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State consumer-law reference center

Arizona

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Section inventory14 entries
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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

14 section entries
Source checked

Arizona Consumer Fraud Act

Ariz. Rev. Stat. §§ 44-1521–44-1534

Section titles and links were checked against the Arizona Legislature’s current online code. Educational summaries do not decide whether an exemption, remedy, or claim applies.

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Ariz. Rev. Stat. § 44-1522

Unlawful practices; intended interpretation of provisions

Declares specified deception, fraud, misrepresentation, and material concealment connected with a sale or advertisement unlawful.

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Ariz. Rev. Stat. § 44-1523

Exemptions

Identifies conduct or transactions excluded from the article under specified circumstances.

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Ariz. Rev. Stat. § 44-1524

Powers of attorney general

Describes investigative powers of the Attorney General when there is reasonable cause to suspect a violation.

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Ariz. Rev. Stat. § 44-1525

Confidentiality of information or evidence

Addresses confidentiality of information or evidence supplied to the Attorney General.

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Ariz. Rev. Stat. § 44-1526

Subpoena; hearing; rules and regulations

Authorizes subpoenas, oaths, investigative hearings, and procedural rules for enforcement.

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Ariz. Rev. Stat. § 44-1527

Failure to supply information or obey subpoena; hearing

Addresses court proceedings when a person does not provide required information or comply with a subpoena.

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Ariz. Rev. Stat. § 44-1528

Remedies; injunction; other reliefs; receiver

Authorizes injunctions and specified relief, including restoration of money or property and appointment of a receiver.

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Ariz. Rev. Stat. § 44-1529

Powers of receiver

Describes a court-appointed receiver’s authority and participation by people who prove covered losses.

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Ariz. Rev. Stat. § 44-1530

Assurance of discontinuance of unlawful practice

Allows the Attorney General to accept a court-filed written assurance that challenged conduct will stop.

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Ariz. Rev. Stat. § 44-1532

Violation of order or injunction; penalty

Provides a penalty when a person violates an order or injunction issued under the article.

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Ariz. Rev. Stat. § 44-1533

Cumulative remedies

States that article remedies supplement other state causes of action, remedies, and penalties.

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Research map

Arizona consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • Ariz. Rev. Stat. §§ 44-1521–44-1534
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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