(1) An action to enforce any liability under this article 17 may be brought before the later of:
(a) The end of the five-year period beginning on the date of the occurrence of the violation involved; or
(b) In a case in which a collector willfully misrepresentsany information that the collector is required by any provision of this article 17 to disclose to an obligee and the misrepresentation is material to the establishment of the liability of the collector to the obligee under this article 17, five years after the date the obligee discovers the misrepresentation.
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