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State consumer-law reference center

Utah

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Section inventory19 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

19 section entries
2026 change review required

Utah Consumer Sales Practices Act

Utah Code §§ 13-11-1–13-11-23

All nineteen current numbered sections were checked against the Utah Legislature’s official chapter directory. Section 13-11-6 has a replacement version effective October 1, 2026, and other provisions reflect 2026 amendments; effective-date labels must be checked before reliance.

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Utah Code § 13-11-2

Construction and purposes

States how the Act should be interpreted and identifies its consumer-protection purposes.

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Utah Code § 13-11-3

Definitions

Defines consumer transaction, supplier, deceptive act, unconscionable act, and other important terms.

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Utah Code § 13-11-4

Deceptive act or practice by supplier

Prohibits deceptive supplier conduct before, during, or after a consumer transaction and lists statutory examples.

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Utah Code § 13-11-4.1

Targeted solicitations involving financial information

Restricts specified solicitations that use or refer to a consumer’s financial information.

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Utah Code § 13-11-5

Unconscionable act or practice by supplier

Prohibits unconscionable supplier conduct and identifies circumstances relevant to that determination.

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Utah Code § 13-11-6

Service of process

Addresses service of process; the official page includes a version superseded and replaced on October 1, 2026.

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Utah Code § 13-11-7

Division duties and injunction penalties

Assigns enforcement duties and provides a civil penalty for violating specified restraining or injunctive orders.

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Utah Code § 13-11-8

Powers of division

Describes the Utah Division of Consumer Protection’s administrative and enforcement authority.

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Utah Code § 13-11-16

Investigatory powers of the division

Authorizes investigations, demands, testimony, documents, and related procedures.

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Utah Code § 13-11-17

Actions by the division

Authorizes declaratory, injunctive, disgorgement, restitution, and fine remedies in public enforcement actions.

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Utah Code § 13-11-18

Suppliers subject to other state supervision

Addresses noncompliance involving regulated suppliers and cooperation between the division and other agencies.

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Utah Code § 13-11-19

Actions by consumer

Addresses private actions, notice, damages, equitable relief, and attorney fees; review current requirements before acting.

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Utah Code § 13-11-21

Settlement and notice in class actions

Addresses class-action settlement and delivery of the complaint to the enforcing authority.

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Utah Code § 13-11-23

Other remedies available

Preserves other remedies while limiting class actions to those authorized by the Act.

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Research map

Utah 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.

  • Utah Code §§ 13-11-1–13-11-23
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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