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State consumer-law reference center

Minnesota

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Section inventory13 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

13 section entries
2026 change review required

Minnesota Prevention of Consumer Fraud provisions

Minn. Stat. §§ 325F.68–325F.71

The section inventory and direct links were checked against the Minnesota Revisor’s official 2025 statutes. The official chapter reports 2026 session-law activity, so amendments and effective dates must be checked before relying on any provision.

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Minn. Stat. § 325F.69

Unlawful practices

Prohibits specified fraud, misrepresentation, deceptive practices, and misleading conduct connected with the sale of merchandise.

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Minn. Stat. § 325F.691

Unreasonable delay in mortgage loan closing

Addresses specified unreasonable delays in closing mortgage loans.

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Minn. Stat. § 325F.692

Fraudulent telephone services; billing

Addresses billing practices involving specified fraudulent telephone services.

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Minn. Stat. § 325F.693

Fraudulent telephone services; slamming

Addresses unauthorized changes involving specified telephone services.

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Minn. Stat. § 325F.694

False or misleading commercial electronic mail messages

Restricts specified false or misleading information in commercial electronic mail.

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Minn. Stat. § 325F.6945

Internet service providers; prohibited actions

Addresses specified prohibited actions involving Internet service providers.

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Minn. Stat. § 325F.695

Expired provision

The official Revisor marks this provision expired; it is listed so readers do not mistake the missing operative text for an omission.

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Minn. Stat. § 325F.696

Liability for unauthorized use of cellular telephones

Addresses liability involving specified unauthorized cellular-telephone use.

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Minn. Stat. § 325F.698

Smartphone antitheft protection

Addresses antitheft functionality and related obligations for covered smartphones.

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Minn. Stat. § 325F.70

Remedies

Addresses public enforcement and remedies for violations of the covered consumer-fraud provisions.

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Minn. Stat. § 325F.71

Senior citizens and disabled persons; additional civil penalty

Authorizes an additional civil penalty for deceptive acts committed against senior citizens or persons with disabilities when statutory requirements are met.

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Research map

Minnesota 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.

  • Minn. Stat. §§ 325F.68–325F.71
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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