Amends the Credit Repair Organizations Act to expand who counts as a credit repair organization (including certain attorneys working inside firms), ban misleading and abusive credit-repair tactics, require clearer disclosures and recordkeeping, force timely delivery of communications and dispute materials, and add a state-licensing requirement for providers starting January 1, 2026. It also creates new rules and format requirements for disputes sent to data furnishers, imposes a $500 statutory damage per violation, and requires certain certifications for attorney-generated communications.