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State consumer-law reference center

Kentucky

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Section inventory24 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

24 section entries
Source checked

Kentucky Consumer Protection Act

Ky. Rev. Stat. §§ 367.110–367.300

The complete Consumer Protection Act inventory was checked against the Kentucky Legislature’s Chapter 367 publication, updated July 23, 2026. The official-source button leads to the current state chapter; individual links provide convenient section reading. Summaries are educational and do not determine whether a remedy, exemption, or deadline applies.

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Ky. Rev. Stat. § 367.130

Consumers’ Advisory Council — Members — Appointment

Creates the council and establishes its membership and appointment process.

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Ky. Rev. Stat. § 367.140

Advisory Council meetings, quorum, and compensation

Sets meeting, quorum, and compensation rules for the council.

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Ky. Rev. Stat. § 367.150

Department of Law functions, powers, and duties

Assigns consumer-protection responsibilities and powers to the Department of Law.

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Ky. Rev. Stat. § 367.152

Attorney General authority over bait advertising

Provides concurrent Attorney General authority to enforce the bait-advertising statute.

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Ky. Rev. Stat. § 367.160

State-agency cooperation and access to evidence

Requires cooperation and addresses access to evidence by specified utility and health-insurance intervenors.

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Ky. Rev. Stat. § 367.170

Unlawful acts

Declares unfair, false, misleading, or deceptive acts or practices in trade or commerce unlawful.

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Ky. Rev. Stat. § 367.176

Construction of KRS 367.175

Explains how the additional-unlawful-acts provision must be interpreted.

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Ky. Rev. Stat. § 367.180

Knowledge required in violation by publisher

Addresses publisher liability and the knowledge required for covered advertising violations.

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Ky. Rev. Stat. § 367.200

Restoration of property — Receiver

Allows restoration of money or property and appointment of a receiver.

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Ky. Rev. Stat. § 367.210

Receiver powers — Distribution of assets

Describes a receiver’s authority and distribution of recovered assets.

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Ky. Rev. Stat. § 367.220

Action for recovery of money or property

Addresses private recovery actions and the conditions for bringing them; review current law before filing.

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Ky. Rev. Stat. § 367.230

Assurance of voluntary compliance

Allows written assurances resolving alleged violations and explains their effect.

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Ky. Rev. Stat. § 367.240

Investigation — Demand for information or evidence

Authorizes investigations and demands for relevant information or evidence.

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Ky. Rev. Stat. § 367.250

Subpoenas — Oath — Confidential information

Provides subpoena, testimony, oath, and confidentiality procedures.

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Ky. Rev. Stat. § 367.260

Unreasonable investigation

Provides a court remedy against an investigation alleged to be unreasonable or improper.

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Ky. Rev. Stat. § 367.270

Impounding evidence

Authorizes specified court-controlled impoundment of evidence during an investigation.

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Ky. Rev. Stat. § 367.290

Failure to obey subpoena or investigative demand

Provides enforcement consequences that can include charter or license revocation.

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Ky. Rev. Stat. § 367.300

Assistance to Attorney General — Reporting

Addresses assistance from public officials and reporting connected with enforcement.

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Research map

Kentucky 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.

  • Ky. Rev. Stat. §§ 367.110–367.300
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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