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State consumer-law reference center

North Dakota

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Section inventory16 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

16 section entries
Source checked

North Dakota Unlawful Sales or Advertising Practices

N.D. Cent. Code §§ 51-15-01–51-15-12

All sixteen current sections were checked against the North Dakota Legislative Branch’s official four-page Chapter 51-15 publication. Each section link opens that short official chapter; use the displayed citation to locate the exact provision.

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N.D. Cent. Code § 51-15-01

Definitions

Defines advertisement, Attorney General, merchandise, person, and sale for the chapter.

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N.D. Cent. Code § 51-15-02

Unlawful practices; fraud; misrepresentation; unconscionable conduct

Declares specified deceptive, fraudulent, false, misleading, unconscionable, or substantially injurious sales and advertising practices unlawful.

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N.D. Cent. Code § 51-15-02.1

Check endorsements for advertising obligations prohibited

Treats offering a check whose endorsement creates an advertising obligation as a deceptive practice.

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N.D. Cent. Code § 51-15-02.2

Solicitation of payment by bill, invoice, or account statement

Prohibits specified bill-like solicitations for goods not ordered or services not ordered and not performed.

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N.D. Cent. Code § 51-15-02.3

Facilitating and assisting

Addresses knowing assistance to another person’s violation and reserves enforcement of this section to the Attorney General.

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N.D. Cent. Code § 51-15-03

Advertising media excluded

Provides a limited exclusion for specified media owners or operators lacking knowledge of an advertiser’s intent, design, or purpose.

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N.D. Cent. Code § 51-15-04

Powers of attorney general

Authorizes reports, sworn examinations, document review, merchandise examination, and court-ordered impoundment in investigations.

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N.D. Cent. Code § 51-15-06

Failure to supply information or obey subpoena

Addresses court relief when a person fails to provide a required report or comply with an Attorney General subpoena.

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N.D. Cent. Code § 51-15-06.1

Assurance of voluntary compliance

Allows a written, court-approved assurance of compliance and treats violation of an approved assurance as contempt.

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N.D. Cent. Code § 51-15-07

Remedies and enforcement

Addresses injunctions, restoration, receivers, cease-and-desist orders, civil penalties, hearing requests, and recoverable adjudicative costs.

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N.D. Cent. Code § 51-15-08

Powers of receiver

Describes a court-appointed receiver’s authority over property derived from unlawful practices and participation by persons proving losses.

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N.D. Cent. Code § 51-15-09

Claims not barred

Preserves qualifying claims and addresses enhanced damages, costs, and attorney fees for knowing conduct, subject to statutory requirements.

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N.D. Cent. Code § 51-15-10

Costs recoverable

Requires specified Attorney General fees and investigation or action costs to be awarded and deposited in the designated fund.

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N.D. Cent. Code § 51-15-11

Civil penalties

Authorizes state civil penalties for specified violations in addition to other available remedies.

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N.D. Cent. Code § 51-15-12

Limitation of actions

Provides a four-year limitation framework with a discovery rule; confirm current text and obtain legal advice before calculating a deadline.

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Research map

North Dakota 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.

  • N.D. Cent. Code §§ 51-15-01–51-15-12
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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