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State consumer-law reference center

Mississippi

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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

Obligations of Consumer Reporting Agencies

Miss. Code Ann. §§ 75-24-201–75-24-217

Section inventory checked against a 2025 secondary code publication. Confirm current text through the Mississippi Legislature before relying on a deadline, fee, remedy, or procedure.

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Miss. Code Ann. § 75-24-201

Security freeze; consumer request; process and timing

Addresses a Mississippi consumer’s request to place a security freeze and the reporting agency’s related process.

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Miss. Code Ann. § 75-24-203

Notice of specified file-information changes

Addresses notice to a consumer when specified identifying information in the consumer’s file changes.

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Miss. Code Ann. § 75-24-205

Notice to a person requesting a frozen consumer report

Addresses the notice provided when a requester encounters a security freeze.

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Miss. Code Ann. § 75-24-207

Removal or temporary lifting of a security freeze

Addresses consumer requests to remove or temporarily lift a freeze and related timing.

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Miss. Code Ann. § 75-24-209

Consumer reports outside specified freeze requirements

Identifies reports or uses to which the security-freeze provisions do not apply.

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Miss. Code Ann. § 75-24-211

Entities not required to place a security freeze

Identifies specified entities outside the freeze-placement duty.

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Miss. Code Ann. § 75-24-213

Honoring another agency’s security freeze

Addresses recognition of a freeze placed through another consumer reporting agency.

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Miss. Code Ann. § 75-24-215

Treatment of a credit application while a freeze applies

Addresses when an application may be treated as incomplete because access to a frozen report is unavailable.

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Legal review pending

Mississippi Consumer Protection Act — General Provisions

Miss. Code Ann. §§ 75-24-1–75-24-29

The section inventory is provided for research orientation. Whether a private claim, exemption, remedy, or enforcement provision applies requires the current text and individualized legal review.

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Miss. Code Ann. § 75-24-1

Office of Consumer Protection

Establishes the state consumer-protection office described by the statute.

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Miss. Code Ann. § 75-24-5

Prohibited acts or practices

Addresses unfair or deceptive trade practices prohibited by the chapter.

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Miss. Code Ann. § 75-24-11

Additional orders or judgments

Addresses additional court-ordered relief and specified licensing consequences.

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Miss. Code Ann. § 75-24-15

Individual action or counterclaim

Addresses specified actions or counterclaims by an individual suffering a loss, subject to the section’s limits.

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Miss. Code Ann. § 75-24-17

Proceedings to compel compliance

Addresses proceedings involving reports, subpoenas, investigative demands, or court orders.

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Miss. Code Ann. § 75-24-21

Local prosecutor assistance and education

Addresses assistance to the Attorney General and consumer-education programs.

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Miss. Code Ann. § 75-24-23

Additional remedies

Addresses the relationship between chapter remedies and other available remedies.

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Miss. Code Ann. § 75-24-25

Emergency price restrictions

Addresses specified pricing conduct during a declared state of emergency.

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Miss. Code Ann. § 75-24-27

Additional Attorney General powers

Addresses additional enforcement powers assigned to the Attorney General.

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Miss. Code Ann. § 75-24-29

Personal-information breach notice

Addresses notice involving a security breach affecting covered personal information.

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2026 change review required

Debt Management Services Act

Miss. Code Ann. § 81-22-1 et seq.

The Mississippi Department of Banking and Consumer Finance identifies this Act for debt-management service providers, but 2026 repeal or reenactment status must be resolved section by section before publication or operational reliance.

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Section-level review is not complete.

The Act is identified by an official state regulator, but individual section summaries will remain unpublished until current text and 2026 changes are verified.

Legal review pending

Mississippi Credit Availability Act

Miss. Code Ann. § 75-67-601 et seq.

The Mississippi Department of Banking and Consumer Finance identifies this Act and regulates credit-availability licensees. A section-level inventory remains pending current-code verification.

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Section-level review is not complete.

The Act is identified by an official state regulator, but individual section summaries will remain unpublished until current text and 2026 changes are verified.

Research map

Mississippi consumer-credit categories

Authority identified

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

  • Miss. Code Ann. § 81-22-1 et seq.
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
Authority identified

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

  • Miss. Code Ann. §§ 75-24-201–75-24-217
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.

  • Miss. Code Ann. §§ 75-24-1–75-24-29
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
Authority identified

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

  • Miss. Code Ann. § 75-67-601 et seq.
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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