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State consumer-law reference center

Wyoming

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Section inventory14 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

14 section entries
Source checked

Wyoming Consumer Protection Act

Wyo. Stat. Ann. §§ 40-12-101–40-12-114

All fourteen sections were checked against Wyoming’s official Title 40 publication, which reflects 2026 Budget Session changes and the statutes as of July 1, 2026. Each section link opens the official Title 40 PDF; use the displayed citation to locate the exact provision.

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Wyo. Stat. Ann. § 40-12-102

Definitions

Defines consumer transactions, merchandise, deceptive practices, enforcing authority, and other key terms.

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Wyo. Stat. Ann. § 40-12-103

Unsolicited merchandise

Addresses a recipient’s obligations and rights concerning specified unordered merchandise.

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Wyo. Stat. Ann. § 40-12-104

Home solicitation sales

Provides requirements and cancellation protections for qualifying home-solicitation sales.

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Wyo. Stat. Ann. § 40-12-106

Restraining unlawful practices

Authorizes public actions to restrain violations and obtain specified court relief.

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Wyo. Stat. Ann. § 40-12-107

Assurances of voluntary compliance

Allows written assurances that challenged conduct will be corrected or discontinued.

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Wyo. Stat. Ann. § 40-12-108

Private remedies

Addresses consumer notice, uncured practices, damages, equitable relief, fees, and other private remedies; review the current statute before acting.

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Wyo. Stat. Ann. § 40-12-109

Limitation of actions

Provides limitation rules for specified claims; obtain legal advice before calculating any deadline.

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Wyo. Stat. Ann. § 40-12-110

Exemptions

Identifies acts, practices, transactions, or parties outside the Act under specified circumstances.

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Wyo. Stat. Ann. § 40-12-111

Violations involving older persons or persons with disabilities

Authorizes an additional civil penalty when statutory requirements involving protected persons are satisfied.

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Wyo. Stat. Ann. § 40-12-112

Investigative powers

Provides investigative authority to the enforcing agency, including demands for information and materials.

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Wyo. Stat. Ann. § 40-12-114

Effect on other remedies

Explains the Act’s relationship to rights and remedies available under other law.

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Research map

Wyoming 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.

  • Wyo. Stat. Ann. §§ 40-12-101–40-12-114
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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