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State consumer-law reference center

Idaho

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Section inventory25 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

25 section entries
Legal review pending

Idaho Consumer Protection Act

Idaho Code §§ 48-601–48-619

The official Idaho Legislature is the controlling source. Section titles were checked against a current 2025 code publication; direct reading links are supplied for each section, but current text and amendments should be confirmed through the Legislature before reliance.

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Idaho Code § 48-601

Short title and purpose

Names the Idaho Consumer Protection Act and states its remedial consumer-and-business protection purpose.

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Idaho Code § 48-603C

Unconscionable methods, acts, or practices

Declares specified unconscionable consumer practices unlawful.

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Idaho Code § 48-603D

Unfair telephone services; unordered goods and services; disclosure to consumers

Addresses telephone-service charges, unordered goods or services, and required disclosures.

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Idaho Code § 48-603E

Unfair bulk electronic mail advertisement practices

Addresses specified deceptive bulk-email advertising practices.

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Idaho Code § 48-603F

Mortgage loan modification fees

Regulates advance or other fees involving covered mortgage-loan modification services.

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Idaho Code § 48-604

Intent of legislature; attorney general to make rules and regulations

States interpretive intent and authorizes administrative rules.

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Idaho Code § 48-608

Loss from purchase or lease; actual and punitive damages

Addresses private recovery for covered losses, subject to statutory requirements and defenses.

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Idaho Code § 48-611

Investigative demand by attorney general; report required

Authorizes investigative demands and required reports.

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Idaho Code § 48-614

Failure to obey attorney general; application to district court

Addresses court enforcement of investigative demands and related requirements.

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Idaho Code § 48-616

Forfeiture of corporate franchise

Addresses corporate charter or authority consequences for specified violations.

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Idaho Code § 48-619

Limitation of action

Sets a statutory time limit; review current text before calculating a filing deadline.

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Research map

Idaho 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.

  • Idaho Code §§ 48-601–48-619
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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