Any action to enforce any liability under this subchapter may be
brought before the later of -
(1) the end of the 5-year period beginning on the date of the
occurrence of the violation involved; or
(2) in any case in which any credit repair organization has
materially and willfully misrepresented any information which -
(A) the credit repair organization is required, by any
provision of this subchapter, to disclose to any consumer; and
(B) is material to the establishment of the credit repair
organization's liability to the consumer under this subchapter,
the end of the 5-year period beginning on the date of the
discovery by the consumer of the misrepresentation.
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