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State consumer-law reference center

Missouri

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Section inventory21 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

21 section entries
Source checked

Missouri Merchandising Practices Act — Core Provisions

Mo. Rev. Stat. §§ 407.010–407.145

The complete core inventory was checked against the Missouri Revisor’s official Chapter 407 range on July 23, 2026. Sections 407.010 through 407.130 form the traditional Merchandising Practices Act; sections 407.140 and 407.145 provide the related fund and rulemaking framework. Summaries are educational.

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Mo. Rev. Stat. § 407.010

Definitions

Defines advertisement, merchandise, person, sale, trade, commerce, and investigative terms.

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Mo. Rev. Stat. § 407.020

Unlawful practices — Penalty — Exceptions

Prohibits deception, fraud, false promises, misrepresentation, unfair practices, and concealment in connection with sales or advertisements.

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Mo. Rev. Stat. § 407.023

Wholesale trade-show representation

Requires proof of agency when a person represents a business at specified wholesale shows or markets.

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Mo. Rev. Stat. § 407.025

Civil action and class actions

Addresses private damages, fees, notice, and class-action procedures; review current text before bringing a claim.

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Mo. Rev. Stat. § 407.030

Voluntary compliance assurances

Allows written assurances resolving alleged violations and provides consequences for violating them.

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Mo. Rev. Stat. § 407.040

Attorney General investigations

Authorizes civil investigative demands and specifies their contents and service.

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Mo. Rev. Stat. § 407.045

Self-incrimination protection

Addresses immunity and use of information when a person invokes the privilege against self-incrimination.

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Mo. Rev. Stat. § 407.060

Disclosure and trade-secret protections

Limits disclosure of investigative material and protects qualifying trade secrets.

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Mo. Rev. Stat. § 407.070

Petition to extend return date

Provides a procedure to extend, modify, or set aside an investigative demand.

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Mo. Rev. Stat. § 407.080

Interference with investigative demand prohibited

Prohibits avoiding, obstructing, concealing, altering, or destroying material relevant to a demand.

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Mo. Rev. Stat. § 407.090

Court enforcement of investigative demand

Allows the Attorney General to seek a court order compelling evidence and provides enforcement procedures.

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Mo. Rev. Stat. § 407.095

Attorney General administrative order

Authorizes orders prohibiting unlawful acts and establishes notice, hearing, review, and penalty procedures.

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Mo. Rev. Stat. § 407.100

Injunctions, receivers, and restitution

Authorizes restraining orders, injunctions, receivers, restitution, and related public remedies.

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Mo. Rev. Stat. § 407.105

Receiver powers and duties

Defines the authority and responsibilities of a court-appointed receiver.

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Mo. Rev. Stat. § 407.110

Violation of injunction or restitution order

Provides civil penalties for violating specified court orders.

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Mo. Rev. Stat. § 407.125

Securities Commissioner authority preserved

Clarifies that the chapter does not limit the Commissioner of Securities.

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Mo. Rev. Stat. § 407.140

Merchandising Practices Revolving Fund

Creates the fund and specifies its funding and consumer-protection uses.

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Mo. Rev. Stat. § 407.145

Rulemaking authority and limitation

Authorizes rules for Chapter 407 and sets limits on that authority.

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Research map

Missouri 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.

  • Mo. Rev. Stat. §§ 407.010–407.145
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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