2006 Kentucky Revised Statutes - CHAPTER 367 CONSUMER PROTECTION

• .010   Repealed, 1972.
• .020   Repealed, 1972.
• .030   Repealed, 1972.
• .040   Repealed, 1972.
• .050   Repealed, 1972.
• .060   Repealed, 1972.
• .070   Repealed, 1972.

Consumer Protection Act

• .110   Definitions.
• .120   Legislative intent -- Title.
• .130   Consumers' Advisory Council -- Members -- Appointment.
• .140   Consumers' Advisory Council -- Meetings -- Quorum -- Compensation.
• .150   Functions, powers and duties of Department of Law.
• .152   Attorney General's concurrent authority to enforce bait advertising statute.
• .160   Cooperation of state agencies -- Access to material evidence and information by utility and health insurance intervenors.
• .170   Unlawful acts.
• .175   Other unlawful acts.
• .176   Construction of KRS 367.175.
• .180   Knowledge required in violation by publisher.
• .190   Injunction -- Hearing.
• .200   Restoration of property -- Appointment of receiver.
• .210   Powers of receiver -- Distribution of assets.
• .220   Action for recovery of money or property -- When action may be brought.
• .230   Assurance of voluntary compliance.
• .240   Investigation -- Demand for information or evidence.
• .250   Subpoenas -- Oath -- Confidential information.
• .260   Unreasonable investigation.
• .270   Impounding of evidence in matter under investigation.
• .280   Service of subpoena -- Service upon persons outside Commonwealth.
• .290   Failure to obey subpoena or investigative demand of Attorney General -- Revocation of corporate charter -- Revocation of licenses.
• .300   Assistance to Attorney General -- Reporting.
• .310   Consumer reporting agency records restriction.
• .350   Rebate of sale or lease price contingent on referral of additional customer prohibited.
• .360   Subpoenas -- Oaths -- Hearings -- Confidential information.

Placement of Security Freeze on Consumer Reports

• .363   Definitions for KRS 367.363 to 367.365.
• .364   Persons not required to place a security freeze on a consumer report.
• .365   Consumer's election regarding security freeze on consumer report -- Subsequent access -- Duties of consumer reporting agency -- Duration of security freeze -- Inapplicability to certain consumer reports -- Permitted charges for security freeze -- Changes to official consumer report information -- Penalties for section's violation.
• .370   Funds recovered in legal action for state handled in accordance with KRS 48.005.

Sales and Rentals During State of Emergency

• .372   Definitions for KRS 367.372 to 367.378.
• .374   Sale or rental of goods and services during declared state of emergency -- Prohibition against grossly excessive prices -- Application of section.
• .376   Notice of Governor's implementation of KRS 367.372 to 367.378 -- Renewal and termination notice.
• .378   Penalties -- Applicability of chapter -- Powers of Attorney General.

Loan Brokers

• .380   Definitions for KRS 367.380 to 367.389.
• .381   Prohibited acts.
• .383   Liability of loan broker's principal.
• .385   Violation of KRS 367.381 deemed unlawful act under Consumer Protection Act -- Availability of Consumer Protection Act remedies -- Authority to promulgate administrative regulations.
• .387   Remedies for borrower -- Time limitation.
• .389   Nonexclusivity of remedies and penalties.

Consumer Credit Loan or Transaction

• .390   Right to refinance consumer loan or consumer credit transaction -- Conditions -- Exception.

Financial Institutions

• .393   Certificates of deposit -- Renewal term and rate -- Violation and penalties.

Buying Clubs or Vacation Clubs

• .395   Definitions.
• .397   Cancellation of membership.
• .399   Membership contract requirements -- Disclosure of cancellation rights.
• .401   Disclosure of refund requirement and that savings claims are based on comparisons with retailers doing business in area.
• .403   Bond requirement.
• .405   Remedies, powers and duties of Attorney General.
• .407   Exemptions -- Conditions.

Home Solicitation Sales

• .410   Definition of home solicitation sale.
• .420   Buyer's right to cancel home solicitation sale -- Method of cancellation.
• .430   Notice of buyer's right to cancel home solicitation sale -- Emergency sales exempted.
• .440   Return of evidence of sale to buyer after cancellation.
• .450   Return of goods to seller after cancellation -- Time and place of return -- Seller's compensation -- Application of statute.
• .460   Status of waiver of rights provided under KRS 367.410 to 367.450 by buyer.

Telephone Solicitations

• .461   Conditions for use of automated calling equipment.
• .463   Consent to calls made with automated calling equipment -- Written consent -- Withdrawal of written consent -- Period of validity of written consent.
• .465   Prohibitions relating to use of automated calling equipment to solicit calls for telephone fee lines.
• .467   Applicability of remedies of Consumer Protection Act.
• .469   Requirement of permit from Attorney General -- Surety bond -- Authority to promulgate administrative regulations.
• .46951   Definitions for KRS 367.46951 to 367.46999.
• .46953   Requirements for making telephone solicitation.
• .46955   Prohibited telephone solicitation acts and practices.
• .46957   Contract or agreement voidable by consumer if resulting from nonconforming telephone solicitation.
• .46961   Cancellation of contract not reduced to writing -- Exception.
• .46963   Requirements to be met before accepting payment from or charging consumer.
• .46967   Violation as unfair or deceptive trade practice -- Powers of Attorney General.
• .46971   Registration of telemarketing companies doing business in this state -- Filing fee -- Renewal -- Addendum -- Written confirmation of receipt of filing -- Posting of registration statement.
• .46973   Contents of filing.
• .46977   Disclosure requirements for sale presentations.
• .46981   Bond required for telemarketing companies -- Notification to Attorney General of promotion offering premium.
• .46983   Authority for administrative regulations.
• .46987   Person using electronic equipment for solicitation deemed to have accepted Kentucky law.
• .46991   Burden of proving exemption or defense on claimant.
• .46993   Telemarketer prohibited from contacting credit card issuer to obtain account number -- Issuer prohibited from providing account number.
• .46994   Zero call list -- Registration -- Administrative regulations -- Availability of information on list -- Consumer education pamphlet.
• .46995   Claims alleging calls made to persons on zero call list -- Defenses.
• .46999   Penalty for violation -- Concurrent enforcement powers of Attorney General.

Recreation and Retirement Use Land Sales

• .470   Legislative findings.
• .472   Definitions.
• .474   Performance bond by subdivider -- Cash in lieu of bond.
• .476   Offer for sale without bond prohibited.
• .477   Statement of buyer's rights.
• .4771   Cancellation of purchase of an interest from subdivider.
• .4772   Waiver or surrender of cancellation rights prohibited.
• .4774   Maintenance fees on Kentucky recreational and retirement use land.
• .4776   Easement interest.
• .4778   Status of holder or assignee of consumer credit contract -- Limitation on liability.
• .478   Registration of seller -- Fee.
• .479   Return of payments and notes of indebtedness.
• .480   Administrative regulations.
• .482   Road system and grading of lots necessary prior to sale of lots.
• .484   Attorney General's ability to obtain restraining order -- Availability of remedies of Consumer Protection Act -- Authority to promulgate administrative regulations.
• .486   Exemptions for certain subdividers.

Underground Facility Damage Prevention

• .4901   Legislative declaration -- Short title for KRS 367.4901 to 367.4917.
• .4903   Definitions for KRS 367.4903 to 367.4917.
• .4905   Permit not relieving person from complying with provisions of KRS 367.4905 to 367.4917.
• .4907   Responsibility of persons engaging in nonemergency and emergency work.
• .4909   Operator to provide protection notification center access to excavators -- Color coding for temporary underground facility markers.
• .4911   Excavator to notify operator of work schedule -- Responsibilities of excavator.
• .4913   Duties of protection notification center.
• .4915   Activities exempt from provisions of KRS 367.4905 to 367.4917.
• .4917   Penalties.

Subscription Sales of Printed Material

• .510   "Solicitor" defined.
• .513   Registration of solicitor of subscription sales of printed material -- Information required.
• .515   Registration fee -- Display of registration receipt -- Exceptions.  (Effective until January 1, 2007)
• .520   Voidable contracts for sale of printed material.
• .530   Permanent registration books maintained.
• .540   Statement of magazine subscription date.

Negative Option Plan

• .570   Definitions.
• .575   Unfair practices -- Duties of Attorney General.
• .580   Contents of promotional material -- Time limits for mailing.
• .585   Duties of the seller.

Consumer Credit Contracts

• .600   Definitions.
• .610   Assignee of rights of seller or lessor subject to defenses of buyer against seller or lessor -- Exception.

Solicitation for Charitable and Civic Purposes

• .650   Definitions for KRS 367.650 to 367.670.
• .652   Registration of professional solicitors and fundraising consultants -- Prohibitions -- Background check.
• .653   Contracts -- Requirements -- Filing of contract and promotion registration statement -- Violability of contract with unregistered party.
• .655   Repealed, 1994.
• .656   Nonacceptance, revocation, suspension, or refusal to renew registration -- Judicial review -- Civil action.
• .657   Filing of federal Form 990 fulfills reporting requirement.
• .658   Financial report of campaign -- Filing -- Audit.
• .660   Exempt solicitations.
• .665   Applicability of remedies, powers, and duties of Attorney General provided by KRS 367.190 to 367.300 or by other provisions of law.
• .666   Interstate reciprocal agreements on exchanging information -- Fiscal records -- Contribution deposit requirements -- Maintenance of records.
• .667   Prohibited acts and practices in charitable solicitations.
• .668   Disclosure requirements.
• .669   Local ordinances, rules, and regulations.
• .670   Powers of Attorney General not limited or restricted.

Sale of Contact Lenses

• .680   Definitions for KRS 367.680 to 367.690.
• .681   Contents of contact lens prescription.
• .682   Expiration of contact lens prescription.
• .683   Verification of contact lens prescription.
• .684   Responsibility for accurate dispensing of contact lens prescription -- Limitation of liability.
• .685   Prerequisites for writing contact lens prescriptions.
• .686   Restrictions on sale or delivery of contact lenses to Kentucky residents by nonresidents.
• .687   Registration of nonresident mail order contact lens sellers with Attorney General.
• .688   Investigation and registration of nonresident dispensers of contact lenses by Attorney General -- Fee.
• .689   Administrative regulations to be promulgated by Attorney General.
• .690   Penalties -- Hearing -- Appeals.

Mobile Home Sales

• .710   Definitions.
• .715   Presumption of nonmerchantability.
• .720   Rebuttal of presumption of nonmerchantability.
• .725   Notice by owner of nonmerchantability.
• .730   Examination by manufacturer, dealer or wholesaler and notification to owner of result.
• .735   Owner to make mobile home available for repair.
• .740   Equivalent accommodation or compensation to be supplied to owner during repair.
• .745   Return of purchase price or supplying of new mobile home in lieu of repairs.
• .750   Action to recover purchase price.
• .755   Warranties not excluded -- Procedure to justify price increase.
• .760   Description of defect repaired on new mobile home.
• .765   Information to be furnished purchaser by seller.
• .770   Warranties.
• .775   Rights and remedies.

Sale of Business Opportunities

• .801   Definitions for KRS 367.801 to 367.819 and KRS 367.990.
• .803   Repealed, 1994.
• .805   Registration of persons engaged in sale of business opportunities -- Authority for administrative regulations.
• .807   Exemptions from registration -- Authority for administrative regulations.
• .809   Registration number -- Inclusion in advertising.
• .811   Representation regarding potential sale, income, or profit.
• .813   Display of registration.
• .815   Liability for false, misleading, or deceptive representations -- Bond or deposit to insure veracity of statements -- Maintenance of records.
• .816   Agreement or arrangement for a business opportunity -- Requirements -- Effect of noncompliance -- Nonwaiverability.
• .817   Restraining order.
• .819   Cancellation by purchaser.

Health Care Practitioners

• .825   Definitions.
• .826   Accredited degree required.

Health Discount Plans

• .828   Health discount plan -- Penalties.

Pyramid Sales

• .830   Definitions.
• .832   Pyramid distribution plan prohibited.
• .834   Powers of Attorney General -- Powers of Commonwealth or its agencies not limited.
• .836   Short title.

Defective New Cars

• .840   KRS 367.841 to 367.844 to be construed liberally -- Purposes.
• .841   Definitions.
• .842   Options of buyer if manufacturer unable to repair nonconformity in new motor vehicle -- Rights of lienholder -- Resolution of disputes -- Dealer not liable.
• .843   Action for relief by purchaser.
• .844   Manufacturer prohibited from exposing franchised dealer to liability.
• .845   Enforcement of provisions of KRS 367.842 to 367.844 by Attorney General.
• .846   Application of KRS 367.840 to 367.845.

Kosher Meats or Meat Preparations

• .850   False representation of kosher meats or meat preparations -- Advertising -- Sale.

Fresh Meat or Meat Products Produced Outside United States

• .855   Sign to indicate fresh meat or fresh meat product produced outside United States -- Exemptions.
• .857   Wholesalers, distributors or processors to indicate in writing the place of origin.

Informal Dispute Resolution System

• .860   Definitions for KRS 367.865.
• .865   Informal dispute resolution system.
• .867   Other dispute resolution system satisfies requirements of KRS 367.865.
• .870   Enforcement of informal dispute resolution system.

Gift Cards

• .890   "Gift card" defined -- Earliest permissible expiration dates -- Extra charges and fees prohibited -- Liability of violator.

Health Spas

• .900   Definitions.
• .905   Registration of health spa -- Annual registration statement and fee -- Surety bond -- Separate locations.
• .906   Form and amount of surety bonds -- Exemptions from bonding requirement -- Effect of change in membership, ownership.
• .910   Written contract -- Contents.
• .911   Term of contract.
• .912   Noncomplying contract void and unenforceable -- Waiver deemed void.
• .913   Member's cancellation rights.
• .915   List of membership plans.
• .920   Prohibited activities.
• .925   Remedies.
• .930   Action in Circuit Court -- Attorney's fees -- Effect of judgment -- Statute of limitations.

Preneed Funeral Service, Burial, or Cemetery Merchandise Contracts

• .932   Definitions.
• .934   Preneed payments and increments as trust funds -- Conditions required for disbursements.
• .936   Refund to persons making payments.
• .937   Permissibility of irrevocable trust provision -- Effect on determining eligibility for entitlement programs -- Required form for application.
• .938   Trust funds, how kept and deposited -- Separate accounting record for each contract.
• .940   License as agent required -- Fee -- Service charge -- Annual report to Attorney General -- Report not available to general public.
• .942   Records of licensee -- Examination by Attorney General.
• .944   Attorney General may hire independent auditor -- Cost incurred to be included in court costs.
• .946   Registration of person selling cemetery merchandise and every cemetery company -- Fee -- Annual report.
• .948   Records of registrants.
• .950   Audit by special auditor hired by Attorney General -- Cost of audit to be taxed as court costs.
• .952   Perpetual care and maintenance.
• .954   Forty percent of funds paid for cemetery merchandise to be held in trust for purchaser until delivery -- Bond in lieu of trust fund.
• .956   Return of deposits, plus income thereon, in cases of default on part of seller.
• .958   Sale of mausoleum or underground crypts or columbaria.
• .960   Temporary facilities.
• .962   Allocation of payments -- Increase of gross sale price prohibited.
• .964   Consumer security account.
• .966   Contract waiving statutory provisions null and void.
• .968   Liability of officers, owners, directors and shareholders of companies subject to KRS 367.932 to 367.974 and 367.991.
• .970   Ninety-day completion date on installing foundations -- Excusable delay.
• .972   Powers of Attorney General.
• .973   Disciplinary powers of Attorney General -- Hearing -- Appeal.
• .974   Disposition of fees collected under KRS 367.932 to 367.972.

Crematoria and Crematory Operators

• .97501   Definitions for KRS 367.97501 to 367.97537.
• .97504   Crematory authority license -- Fees -- Operations procedures -- Records -- Annual report.
• .97507   Identification requirements.
• .97511   Holding restrictions.
• .97514   Processing procedures and restrictions.
• .97517   Disposition of cremated remains.
• .97521   Closed container for cremated remains -- Temporary container.
• .97524   Cremation authorization form required -- Disposal or delivery of cremated remains.
• .97527   Preneed cremation authorization form -- Procedure in event of conflict.
• .97531   Facsimile-transmitted cremation authorization form.
• .97534   Denial, suspension, or revocation of license -- Hearing -- Appeal -- Availability of Consumer Protection Act remedies -- Authority of Attorney General under other laws and to promulgate administrative regulations.
• .97537   Crematory licensure and regulation fund.

Rental-Purchase Agreements

• .976   Definitions for KRS 367.976 to 367.985.
• .977   Necessary disclosures for rental-purchase agreement.
• .978   Form of disclosures -- Receipts for payments made by cash or money order.
• .979   Prohibited provisions.
• .980   Required provisions.
• .981   Renegotiation of rental-purchase agreement.
• .982   Advertisement for rental-purchase agreement.
• .983   Civil remedies for consumers injured by violations of KRS 367.976 to 367.985.
• .984   Limitation of actions.
• .985   Effect of unintentional violation and timely adjustment of error.

Penalties

• .990   Penalties.
• .991   Penalty for violation of KRS 367.932 to 367.974.
• .992   Penalty for violation of KRS 367.826.
• .993   Penalty for violations of KRS 367.4774 and 367.381.