Resources / Laws and compliance
PDF
Required Disclosures and Cancellation Notice Checklist
A step-by-step checklist for the CROA disclosure, the written contract and the Notice of Cancellation.
What is inside
- Order of documents before any payment
- Contract elements required by 15 U.S.C. 1679d
- How the 3-business-day cancellation right works in practice
Who it is for: Credit repair owners building or auditing their onboarding packet for new clients.
Questions
Can I send the disclosure and contract in one packet?
The disclosure must be given before the contract is signed and should stay a separate document. Structure the signing flow so it comes first.
What if a client cancels after day 3?
The statutory 3-business-day right has passed, but your contract and state law may give more. Ask counsel before you refuse.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.