The limitations period for a common law tort claim will vary by state and may differ for different types of torts, but will often be one or two years. In some states, the tort limitations period will begin when the liability first arose, not when the consumer discovered or should have discovered the violation. Consequently, in many situations, a tort limitations period will be less than for an FCRA claim, which is two years from the date of discovery, but a maximum of five years from the date of the violation that is the basis for liability.