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State consumer-law reference center

Montana

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Section inventory28 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

28 section entries
Source checked

Montana Consumer Protection Act — Core Provisions

Mont. Code Ann. §§ 30-14-101–30-14-144

The complete core Act inventory was checked against the Montana Legislature’s 2025 Part 1 table. Reserved numbering is grouped and labeled. Later Part 1 provisions concern separate or specialized topics and remain outside this core enforcement collection.

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Mont. Code Ann. § 30-14-103

Unlawful practices

Declares unfair methods of competition and unfair or deceptive acts or practices unlawful.

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Mont. Code Ann. § 30-14-104

Federal interpretation and rules

Directs consideration of federal consumer-protection interpretations and authorizes implementing rules.

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Mont. Code Ann. §§ 30-14-106–30-14-107

Reserved

Preserves the Legislature’s reserved numbering for sections 106 and 107.

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Mont. Code Ann. § 30-14-108

Gift certificates

Restricts expiration and fees, provides redemption rules, and requires specified posting.

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Mont. Code Ann. § 30-14-109

Travel credits

Restricts expiration and fees and provides redemption requirements for covered travel credits.

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Mont. Code Ann. § 30-14-111

Department restraint of unlawful acts

Authorizes the Department of Justice to seek orders stopping unlawful practices.

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Mont. Code Ann. § 30-14-112

Assurance of compliance

Allows written assurances resolving alleged violations and related restitution terms.

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Mont. Code Ann. § 30-14-113

Investigative demand

Authorizes demands for testimony, documents, and evidence relevant to suspected violations.

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Mont. Code Ann. § 30-14-114

Department authority

Provides administrative, investigative, and enforcement authority under the Act.

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Mont. Code Ann. §§ 30-14-116–30-14-120

Reserved

Preserves the Legislature’s reserved numbering for sections 116 through 120.

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Mont. Code Ann. § 30-14-121

County attorney duties

Addresses county-attorney duties in local consumer-protection enforcement.

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Mont. Code Ann. § 30-14-122

County attorney investigator

Authorizes a county attorney to employ an investigator for covered matters.

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Mont. Code Ann. §§ 30-14-123–30-14-130

Reserved

Preserves the Legislature’s reserved numbering for sections 123 through 130.

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Mont. Code Ann. § 30-14-131

Restoration — Court orders

Allows courts to restore money or property and enter additional orders needed to remedy violations.

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Mont. Code Ann. § 30-14-132

Receiver powers and consumer losses

Defines receiver powers, proof of damages, and court jurisdiction.

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Mont. Code Ann. § 30-14-133

Damages, construction disputes, notice, and fees

Addresses private damages, residential-construction limits, public-agency notice, attorney fees, and evidentiary effect.

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Mont. Code Ann. § 30-14-134

Enforcement of department orders

Provides court enforcement and contempt consequences for disobeying department orders.

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Mont. Code Ann. § 30-14-135

Statute of limitations

Sets limitations rules for covered actions; confirm current law before calculating a deadline.

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Mont. Code Ann. §§ 30-14-136–30-14-140

Reserved

Preserves the Legislature’s reserved numbering for sections 136 through 140.

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Mont. Code Ann. § 30-14-141

Corporate dissolution or franchise forfeiture

Allows specified organizational consequences following prohibited conduct or court-order violations.

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Mont. Code Ann. § 30-14-143

Disposition of recovered funds

Directs disposition of civil fines, settlements, judgments, costs, and fees.

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Mont. Code Ann. § 30-14-144

Vulnerable-adult penalty

Provides an additional penalty for qualifying unfair or deceptive conduct against a vulnerable adult.

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Research map

Montana 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.

  • Mont. Code Ann. §§ 30-14-101–30-14-144
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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