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State consumer-law reference center

South Dakota

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Section inventory61 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

61 section entries
Source checked

South Dakota Deceptive Trade Practices and Consumer Protection

S.D. Codified Laws §§ 37-24-1–37-24-58

The complete Chapter 37-24 inventory was checked against the South Dakota Legislature and its Consumer Protection Division’s chapter PDF. Repealed ranges are consolidated and labeled. Summaries are educational and do not determine criminal exposure or civil remedies.

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S.D. Codified Laws § 37-24-1

Definitions

Defines advertising, merchandise, trade, commerce, seller, unordered goods, and other chapter terms.

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S.D. Codified Laws § 37-24-2

Unordered merchandise

Treats qualifying unordered merchandise as a gift and provides refusal rights and exceptions.

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S.D. Codified Laws § 37-24-5.3

Notice of cancellation right

Makes failure to disclose the buyer’s cancellation right deceptive.

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S.D. Codified Laws § 37-24-5.4

Cancellation notice form

Requires the seller to furnish and complete the statutory cancellation notice.

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S.D. Codified Laws § 37-24-5.5

Judgment confession and waiver prohibited

Prohibits covered contracts from waiving buyer rights or confessing judgment.

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S.D. Codified Laws § 37-24-5.6

Honoring cancellation

Requires refunds and notice concerning repossession or abandonment after cancellation.

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S.D. Codified Laws § 37-24-5.7

Alternative compliance

Explains when broader return or refusal rights satisfy notice requirements.

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S.D. Codified Laws § 37-24-6

Deceptive acts and penalties

Lists deceptive practices and provides misdemeanor or felony consequences.

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S.D. Codified Laws § 37-24-6.1

Electronic cash registers

Requires transaction displays and receipts and provides a petty-offense consequence.

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S.D. Codified Laws § 37-24-6.2

Regular-price advertising

Clarifies that advertising merchandise at its regular price is not prohibited.

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S.D. Codified Laws § 37-24-7

Other remedies and chapter limits

Preserves other remedies while limiting chapter actions to practices declared unlawful by section 6.

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S.D. Codified Laws § 37-24-8

Prima facie knowledge

Addresses evidence of knowledge in public actions without limiting civil relief.

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S.D. Codified Laws § 37-24-10

Lawful practices unaffected

Excludes conduct required or permitted by other law or authoritative rules and interpretations.

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S.D. Codified Laws § 37-24-11

Advertising-media exemption

Protects media that disseminate another’s material without knowledge of unlawfulness.

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S.D. Codified Laws § 37-24-12

Attorney General investigative demand

Authorizes demands for reports, testimony, documents, and evidence.

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S.D. Codified Laws § 37-24-14

Subpoenas, hearings, forms, and rules

Describes Attorney General investigative and rulemaking powers.

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S.D. Codified Laws § 37-24-15

Compelled self-incriminating evidence

Addresses compelled evidence after a promise of immunity.

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S.D. Codified Laws § 37-24-21

Effect of assurance

States an assurance is not an admission while noncompliance may evidence a violation.

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S.D. Codified Laws § 37-24-22

Reopening closed matters

Allows matters resolved by assurance to be reopened in the public interest.

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S.D. Codified Laws § 37-24-24

State’s attorney assistance

Requires assistance and allows approved local enforcement actions.

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S.D. Codified Laws § 37-24-33

Limitation of actions

Provides a four-year occurrence-or-discovery rule; confirm current law before calculating a deadline.

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S.D. Codified Laws § 37-24-43

Provider email policies

Allows internet access providers to maintain restrictive email policies.

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S.D. Codified Laws § 37-24-44

Email-address collection

Prohibits collecting addresses to initiate prohibited commercial email.

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S.D. Codified Laws § 37-24-45

Automated address harvesting

Prohibits automated acquisition of addresses for prohibited email.

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S.D. Codified Laws § 37-24-46

Automated account registration

Prohibits automated creation of multiple accounts for prohibited email.

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S.D. Codified Laws § 37-24-50

Insurance-deductible rebate

Prohibits covered roofing contractors from rebating insurance deductibles.

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S.D. Codified Laws § 37-24-51

Storm-damage roofing cancellation

Provides cancellation rights for covered storm-damage roofing contracts.

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S.D. Codified Laws § 37-24-57

Financial exploitation reports

Permits financial institutions to report suspected exploitation of an elder or adult with a disability.

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S.D. Codified Laws § 37-24-58

Financial-institution cooperation

Requires cooperation with qualifying exploitation investigations and provides immunity.

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Research map

South 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.

  • S.D. Codified Laws §§ 37-24-1–37-24-58
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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