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State consumer-law reference center

Pennsylvania

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Section inventory15 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

15 section entries
Source checked

Pennsylvania Unfair Trade Practices and Consumer Protection Law

73 Pa. Stat. §§ 201-1–201-10

The complete Act 387 table of contents and section text were checked against the Pennsylvania General Assembly’s official publication, including the online-marketplace section 9.4. Section 6 does not appear in the current Act inventory. Summaries are educational and do not determine whether a private claim or cancellation right applies.

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73 Pa. Stat. § 201-2

Definitions

Defines trade, commerce, deceptive practices, and additional terms, including pyramid promotional scheme concepts.

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73 Pa. Stat. § 201-3

Unlawful acts or practices — Exclusions

Declares defined unfair or deceptive conduct unlawful and identifies specified exclusions.

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73 Pa. Stat. § 201-4

Restraining prohibited acts

Allows the Attorney General or a district attorney to seek temporary or permanent injunctions.

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73 Pa. Stat. § 201-4.1

Payment of costs and restitution

Allows a court issuing a permanent injunction to order restoration of money or property.

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73 Pa. Stat. § 201-5

Assurances of voluntary compliance

Allows written court-filed assurances, including consumer restitution terms.

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73 Pa. Stat. § 201-7

Contracts — Effect of rescission

Provides specified three-business-day cancellation rights for covered in-home or telephone sales and required notices.

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73 Pa. Stat. § 201-8

Civil penalties

Provides penalties for violations of injunctions, assurances, and willful unlawful practices.

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73 Pa. Stat. § 201-9

Forfeiture of franchise — Receiver

Allows specified business-right forfeiture and appointment of a receiver after an injunction violation.

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73 Pa. Stat. § 201-9.1

Powers of receiver

Defines receiver powers and consumer participation in distribution of recovered assets.

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73 Pa. Stat. § 201-9.2

Private actions

Addresses private damages, discretionary enhanced damages, costs, fees, and other relief.

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73 Pa. Stat. § 201-9.3

Dog purchaser protection

Establishes health disclosures, remedies, deadlines, and complaint procedures for covered dog purchases.

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73 Pa. Stat. § 201-9.4

Online marketplace seller information

Requires covered marketplaces to collect, verify, disclose, and maintain information about high-volume sellers.

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Research map

Pennsylvania 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.

  • 73 Pa. Stat. §§ 201-1–201-10
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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