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State consumer-law reference center

Louisiana

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Section inventory30 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

30 section entries
Legal review pending

Louisiana Unfair Trade Practices and Consumer Protection Law

La. Rev. Stat. §§ 51:1401–51:1429

All thirty current entries were checked against the Louisiana Legislature’s official Title 51 table of contents. Direct reading links use a current code publication; confirm the official section and 2026 Acts before relying on remedies, exceptions, or prescription.

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La. Rev. Stat. § 51:1402

Definitions

Defines consumer transactions, trade or commerce, consumer interests, older persons, persons with disabilities, and other terms.

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La. Rev. Stat. § 51:1404

Powers and duties

Assigns investigation, education, hearing, and enforcement responsibilities to the Attorney General’s consumer-protection section.

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La. Rev. Stat. § 51:1405

Unfair acts or practices

Declares unfair methods of competition and unfair or deceptive acts unlawful and addresses interpretation and rulemaking.

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La. Rev. Stat. § 51:1406

Exemptions

Identifies transactions, persons, or conduct outside the chapter under specified circumstances.

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La. Rev. Stat. § 51:1408

Additional relief

Provides additional court relief involving restoration, receivership, or related remedies.

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La. Rev. Stat. § 51:1409

Private actions

Addresses qualifying private actions, damages, fees, notice, and prescription; review current law before asserting a claim.

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La. Rev. Stat. § 51:1409.1

Electronic deceptive practices affecting protected persons

Addresses deceptive telephone, email, or text practices involving older persons or persons with disabilities and related private actions.

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La. Rev. Stat. § 51:1410

Assurances of voluntary compliance

Allows written assurances that challenged conduct will stop and addresses their legal effect.

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La. Rev. Stat. § 51:1411

Investigative demands

Provides procedures for demanding documents and information in consumer-protection investigations.

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La. Rev. Stat. § 51:1413

Enforcement of demands and subpoenas

Provides court procedures for enforcing investigative demands and subpoenas.

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La. Rev. Stat. § 51:1414

Other investigative and subpoena authority

Preserves or provides additional investigative and subpoena powers.

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La. Rev. Stat. § 51:1417

Duties of district attorneys

Assigns specified assistance and enforcement duties to district attorneys.

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La. Rev. Stat. § 51:1419

Service-charge disclosures

Requires specified service-charge disclosures and provides forfeiture consequences.

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La. Rev. Stat. § 51:1420

Telephone-directory and database practices

Addresses deceptive practices involving telephone directories or databases and provides penalties.

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La. Rev. Stat. § 51:1421

Personal information in cash sales

Restricts requests for specified personal information during qualifying cash sales.

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La. Rev. Stat. § 51:1422

Unsolicited motor-vehicle service agreements

Regulates unsolicited offers to sell extended motor-vehicle service agreements, including requirements, exceptions, and penalties.

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La. Rev. Stat. § 51:1423

Gift-certificate expiration dates

Addresses expiration dates and related practices involving gift certificates.

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La. Rev. Stat. § 51:1424

Commercial laundromats

Treats specified commercial-laundromat conduct as unfair or deceptive and provides additional enforcement.

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La. Rev. Stat. § 51:1425

Internet service provider disclosures

Restricts specified disclosures by internet service providers and provides penalties.

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La. Rev. Stat. § 51:1427

Misappropriated computer software

Addresses unfair or deceptive conduct involving stolen or misappropriated computer software.

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La. Rev. Stat. § 51:1428

Bad-faith patent assertions

Addresses unfair or deceptive bad-faith assertions of patent infringement.

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La. Rev. Stat. § 51:1429

Residential real-estate service agreements

Prohibits specified long-term real-estate service agreements and their recordation against residential property.

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Research map

Louisiana 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.

  • La. Rev. Stat. §§ 51:1401–51:1429
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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