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State consumer-law reference center

Arkansas

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Section inventory17 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

17 section entries

Legal review pending

Arkansas Deceptive Trade Practices Act — General Provisions

Ark. Code Ann. §§ 4-88-101–4-88-117

The complete general-provisions inventory was checked against the 2024 Arkansas Code publication. The Arkansas General Assembly is the official source; the individual links provide convenient section-by-section reading. Summaries are educational and require current legal review before reliance.

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Ark. Code Ann. § 4-88-101

Applicability of chapter

Explains which conduct and remedies the chapter reaches and how it relates to other Arkansas law.

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Ark. Code Ann. § 4-88-102

Definitions

Defines key terms used throughout the chapter, including person and deceptive trade practice.

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Ark. Code Ann. § 4-88-103

Penalties

Provides criminal penalties for specified knowing and willful violations.

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Ark. Code Ann. § 4-88-104

Injunctions

Authorizes the Attorney General to seek court orders stopping prohibited conduct.

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Ark. Code Ann. § 4-88-105

Consumer Protection Division

Establishes the Consumer Protection Division within the Attorney General’s office and identifies its responsibilities.

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Ark. Code Ann. § 4-88-106

Consumer Advisory Board

Creates the advisory board and describes its consumer-protection role.

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Ark. Code Ann. § 4-88-107

Deceptive and unconscionable trade practices generally

Lists representative deceptive, false, and unconscionable practices prohibited in business, commerce, or trade.

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Ark. Code Ann. § 4-88-108

Concealment, suppression, or omission of material facts

Prohibits specified concealment, suppression, or omission of material facts in connection with consumer transactions.

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Ark. Code Ann. § 4-88-109

Prohibition of pyramid promotional schemes — Definitions

Defines and prohibits pyramid promotional schemes and distinguishes covered arrangements.

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Ark. Code Ann. § 4-88-110

Repealed

Preserves the statutory numbering and alerts readers that this section has been repealed.

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Ark. Code Ann. § 4-88-111

Investigations — Procedure — Confidential information

Describes investigative demands, procedures, and confidentiality rules used by the Attorney General.

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Ark. Code Ann. § 4-88-112

Failure to cooperate in investigations — Proceedings

Addresses court proceedings and consequences when a person fails to cooperate with an authorized investigation.

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Ark. Code Ann. § 4-88-113

Civil enforcement and remedies — Suspension or forfeiture of charter, franchise, etc.

Provides public civil remedies, including injunctions, restitution, penalties, and specified organizational consequences.

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Ark. Code Ann. § 4-88-114

Voluntary compliance

Allows written assurances that challenged conduct will stop and explains their enforcement effect.

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Ark. Code Ann. § 4-88-115

Statute of limitations

Sets a limitations period for specified public enforcement actions; confirm the current text before calculating any deadline.

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Ark. Code Ann. § 4-88-116

Right to jury trial

Preserves a jury-trial right in specified proceedings under the chapter.

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Ark. Code Ann. § 4-88-117

Durable medical equipment — Definition

Defines durable medical equipment for the chapter’s applicable consumer-protection provisions.

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Research map

Arkansas 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.

Ark. Code Ann. §§ 4-88-101–4-88-117

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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