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State consumer-law reference center

Rhode Island

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Section inventory33 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

33 section entries
Source checked

Rhode Island Deceptive Trade Practices

R.I. Gen. Laws §§ 6-13.1-1–6-13.1-30

All 33 current sections were checked against the Rhode Island General Assembly’s official chapter index updated through November 15, 2025. The current definitions and credit-report definitions reflect versions effective during 2026.

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R.I. Gen. Laws § 6-13.1-1

Definitions

Defines trade and commerce, unfair or deceptive practices, and other chapter terms; the official page includes multiple 2026 effective versions.

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R.I. Gen. Laws § 6-13.1-2

Unlawful acts or practices

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

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R.I. Gen. Laws § 6-13.1-5

Restraining prohibited acts

Authorizes Attorney General actions to restrain prohibited practices and obtain restoration.

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R.I. Gen. Laws § 6-13.1-5.1

Power of receiver

Describes a court-appointed receiver’s authority over property connected with unlawful practices.

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R.I. Gen. Laws § 6-13.1-5.2

Private and class actions

Addresses individual and class remedies, damages, fees, demand procedures, and limitations; review current law before acting.

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R.I. Gen. Laws § 6-13.1-6

Assurances of voluntary compliance

Allows written assurances that challenged conduct will stop and addresses their legal effect.

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R.I. Gen. Laws § 6-13.1-7

Investigations and noncompliance remedies

Provides investigative procedures and court remedies for failure to comply.

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R.I. Gen. Laws § 6-13.1-9

Forfeiture of corporate franchise

Authorizes specified franchise consequences for covered corporate violations.

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R.I. Gen. Laws § 6-13.1-12

Appliance parts and manuals

Addresses availability of parts and service manuals for specified appliances.

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R.I. Gen. Laws § 6-13.1-12.1

Used or rebuilt appliance parts

Requires specified information concerning used or rebuilt appliance parts.

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R.I. Gen. Laws § 6-13.1-14

Penalties

Provides penalties associated with the chapter’s specified price-discrimination provisions.

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R.I. Gen. Laws § 6-13.1-18

Motor-vehicle manufacturer warranties

Provides duties involving manufacturers and motor-vehicle warranties.

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R.I. Gen. Laws § 6-13.1-19

Sale of used motor vehicles

Provides disclosure or other duties for dealers selling used vehicles.

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R.I. Gen. Laws § 6-13.1-20

Credit-report definitions

Defines terms used in the chapter’s credit-report provisions and includes a 2026 effective version.

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R.I. Gen. Laws § 6-13.1-21

Credit-report notices and user requirements

Addresses consumer notices and duties of persons using credit reports.

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R.I. Gen. Laws § 6-13.1-22

Access to credit reports

Provides consumer access rights and related procedures for credit reports.

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R.I. Gen. Laws § 6-13.1-23

Disputed credit report

Addresses procedures when a consumer disputes information in a credit report.

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R.I. Gen. Laws § 6-13.1-24

Registration with secretary of state

Provides registration requirements for covered credit-reporting businesses.

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R.I. Gen. Laws § 6-13.1-27

Employment status information

Addresses specified collection, use, or reporting of employment-status information.

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R.I. Gen. Laws § 6-13.1-28

Motor-vehicle financing displays

Requires prominent display of specified financing term and interest-rate information.

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R.I. Gen. Laws § 6-13.1-30

Cash payment for retail purchases

Addresses acceptance or treatment of cash payments in covered retail purchases.

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Research map

Rhode Island 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.

  • R.I. Gen. Laws §§ 6-13.1-1–6-13.1-30
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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