asset: state-consumer-cooling-off-periods

asset_type: rescission-right

body: State-by-state comparison of the cancellation windows consumers have after signing specific types of contracts. Each record is one (state, transaction type) pair with the number of days the consumer has to cancel, the notice method required, refund timeline, and the statute citation. Covers transaction types that commonly carry cooling-off periods: home solicitation sales, health club memberships, timeshare purchases, extended warranties, hearing aid purchases, life insurance policies, dating/social referral services, credit repair services, membership travel, reverse mortgages, and door-to-door sales. The federal FTC cooling-off rule (16 CFR 429, 3 business days for door-to-door sales ≥$25) is the baseline; states add their own transaction types and periods on top. Answers 'how many days do I have to cancel a gym membership in [state]', 'what is the cooling-off period for timeshare purchases in [state]', and 'can I cancel this extended warranty'.

key_field: state

licence: US state government works — public domain. Federal FTC rule is US government work.

title: Consumer contract cooling-off and rescission periods by US state and transaction type

type: dataset


body:
**State:** Minnesota

**Transaction type:** agricultural contract

**Cooling-off period:** 3 business days

**Cancellation method:** mailing a written cancellation notice to the contractor

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> An agricultural producer may cancel an agricultural contract by mailing a written cancellation notice to the contractor within three business days after they receive a copy of the signed contract, or until a later deadline specified in the contract.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cancellation_fee: not specified

cooling_off_days: 3 business days

refund_timeline: not specified

state: Minnesota

statute_citation: not specified

title: Minnesota — Consumer contract cooling-off and rescission periods by US state and transaction type

transaction_type: agricultural contract

type: rescission-right

unverified_fields: cancellation_fee, cooling_off_days, refund_timeline, state, statute_citation


body:
**State:** Minnesota

**Transaction type:** buying club membership

**Cooling-off period:** 3 business days

**Cancellation method:** written notice

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> As a member of a health club, social referral club, or buying club you may cancel your membership in writing within three business days following the date on which the membership was attained.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cancellation_method: written notice

transaction_type: buying club membership

unverified_fields: cancellation_fee, cancellation_method, cooling_off_days, refund_timeline, state, statute_citation


body:
**State:** Texas

**Transaction type:** commercial motor vehicle installment contract

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Fin. Code § 353.111

> Installment contracts for commercial motor vehicles may be cancelled under certain conditions.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

cancellation_method: not specified on this page

cooling_off_days: not specified on this page

refund_timeline: not specified on this page

state: Texas

statute_citation: Tex. Fin. Code § 353.111

title: Texas — Consumer contract cooling-off and rescission periods by US state and transaction type


body:
**State:** Texas

**Transaction type:** condominium unit purchase

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Prop. Code § 82.156

> Provides a right to cancel the purchase of a condominium unit if certain requirements are not met by the seller.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Prop. Code § 82.156

transaction_type: condominium unit purchase


body:
**State:** Minnesota

**Transaction type:** credit services contract

**Cooling-off period:** 5 working days

**Cancellation method:** written notice

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> You may cancel a contract with a credit services organization in writing within five working days from the date the contract was signed.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cooling_off_days: 5 working days

transaction_type: credit services contract


body:
**State:** Minnesota

**Transaction type:** debt management and debt settlement services

**Cooling-off period:** anytime with 10 days written notice

**Cancellation method:** written notice

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> Military Personnel Under a Minnesota law drafted by the Attorney General’s Office, military personnel may cancel cell phone or wireless service contracts without penalty when the service member is called to active duty. Military personnel may also cancel rental contracts, club contracts, service contracts, and membership travel contracts without penalty and receive a full refund of their deposit when a deployment or change in duty prevents the service member from using the service or abiding by the terms of the contract. Debt Management and Debt Settlement Services Contracts You may cancel contracts with debt management and debt settlement services providers at any time without cause by giving the provider ten days’ written notice.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cooling_off_days: anytime with 10 days written notice

unverified_fields: cancellation_fee, cooling_off_days, refund_timeline, statute_citation


body:
**State:** Federal

**Transaction type:** door-to-door sales

**Cooling-off period:** 3 business days

**Cancellation method:** mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram

**Refund timeline:** 10 business days

**Cancellation fee:** none

**Statute:** 16 CFR Part 429

> You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date. If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice

Source: <https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429>

refund_timeline: 10 business days

state: Federal

statute_citation: 16 CFR Part 429

title: Federal — Consumer contract cooling-off and rescission periods by US state and transaction type

transaction_type: door-to-door sales

unverified_fields: cancellation_fee, cancellation_method, cooling_off_days, refund_timeline, state, statute_citation, transaction_type


body:
**State:** Texas

**Transaction type:** door-to-door sales

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Bus. & Com. Code Ch. 601

> Door-to-door sales or sales made at a place other than the seller's place of business.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Bus. & Com. Code Ch. 601


body:
**State:** Texas

**Transaction type:** executory contract (contract for deed / lease to own)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Prop. Code § 5.074

> Provides for the purchaser's right to cancel an executory contract (also known as an installment land contract, a contract for deed, or "lease to own"). Notice provisions and the time frame for cancellation are covered.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Prop. Code § 5.074


body:
**State:** Minnesota

**Transaction type:** extended car warranty

**Cooling-off period:** 20 days after mailing, or 10 days if delivered at time of sale

**Cancellation method:** return the contract

**Refund timeline:** full purchase price refund if no claim has been made

**Cancellation fee:** none

**Statute:** not specified

> Minnesota law provides that motor vehicle service contracts—commonly referred to as extended car warranties—must allow you to return the contract within 20 days of the date the service contract was mailed to you, or within 10 days if the contract was delivered at the time of sale, or within a longer time period if provided by the contract. Upon return of the contract, the provider must grant you a refund of the full purchase price if no claim has been made under the contract.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cancellation_method: return the contract

transaction_type: extended car warranty

unverified_fields: cancellation_fee, statute_citation


body:
**State:** Minnesota

**Transaction type:** foreclosure consultant contract

**Cooling-off period:** 3 business days

**Cancellation method:** not specified

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> You may cancel contracts with foreclosure consultants within three business days after the day on which the contract was signed.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cancellation_method: not specified

transaction_type: foreclosure consultant contract


body:
**State:** Minnesota

**Transaction type:** health club membership

**Cooling-off period:** 3 business days

**Cancellation method:** written notice

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> As a member of a health club, social referral club, or buying club you may cancel your membership in writing within three business days following the date on which the membership was attained.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

transaction_type: health club membership


body:
**State:** Texas

**Transaction type:** health spa contract

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** fully or partially refunded under certain conditions

**Cancellation fee:** not specified

**Statute:** Tex. Occ. Code §§ 702.307-702.308

> Health spa contracts may be fully or partially refunded under certain conditions.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

transaction_type: health spa contract

unverified_fields: cancellation_fee, cancellation_method, cooling_off_days, state, statute_citation


body:
**State:** Minnesota

**Transaction type:** hearing aid purchase

**Cooling-off period:** 45 days

**Cancellation method:** not specified

**Refund timeline:** not specified

**Cancellation fee:** $250

**Statute:** not specified

> You have the right to cancel the purchase of prescription hearing aids within 45 days after receiving the hearing aids, and may not be charged a cancellation fee of more than $250.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cooling_off_days: 45 days

transaction_type: hearing aid purchase

unverified_fields: cancellation_method, refund_timeline, state, statute_citation


body:
**State:** Texas

**Transaction type:** home equity loan (reverse mortgage)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Const. art. XVI, § 50(a)(6)(Q)(viii)

> Texas homestead protections provide a right to rescind a home equity loan (also known as a "reverse mortgage").

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

transaction_type: home equity loan (reverse mortgage)

unverified_fields: cancellation_fee, cancellation_method, cooling_off_days, refund_timeline, statute_citation


body:
**State:** Minnesota

**Transaction type:** home solicitation sales

**Cooling-off period:** 3 business days

**Cancellation method:** written notice to the specific address provided by the seller

**Refund timeline:** 10 days

**Cancellation fee:** not specified

**Statute:** Minn. Stat. § 325G.08

> Contracts Subject to Cooling-Off Periods Minnesota law requires certain types of contracts to have “cooling-off” periods or cancellation rights. Some of the more common include: Home Solicitation Sales

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

refund_timeline: 10 days

statute_citation: Minn. Stat. § 325G.08

transaction_type: home solicitation sales


body:
**State:** Minnesota

**Transaction type:** life insurance policy

**Cooling-off period:** 10 days

**Cancellation method:** return the policy

**Refund timeline:** refund all premiums paid

**Cancellation fee:** none

**Statute:** not specified

> If you return a life insurance policy within the “free look” period, the insurance company must cancel the policy and refund all the premiums paid. Hearing Aids You have the right to cancel the purchase of prescription hearing aids within 45 days after receiving the hearing aids, and may not be charged a cancellation fee of more than $250. Extended Car Warranties Minnesota law provides that motor vehicle service contracts—commonly referred to as extended car warranties—must allow you to return the contract within 20 days of the date the service contract was mailed to you, or within 10 days if the contract was delivered at the time of sale, or within a longer time period if provided by the contract.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cancellation_method: return the policy

cooling_off_days: 10 days

refund_timeline: refund all premiums paid

transaction_type: life insurance policy

unverified_fields: cancellation_fee, cancellation_method, refund_timeline, statute_citation


body:
**State:** Texas

**Transaction type:** manufactured home sale, exchange, or lease

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Occ. Code § 1201.1521

> Contracts for sale, exchange, or lease of a manufactured home may be cancelled under certain conditions.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Occ. Code § 1201.1521


body:
**State:** Texas

**Transaction type:** membership camping contract

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Prop. Code § 222.008

> Provides a limited right to cancel a membership camping contract under certain conditions.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Prop. Code § 222.008

transaction_type: membership camping contract


body:
**State:** Minnesota

**Transaction type:** membership travel contract

**Cooling-off period:** 10 days

**Cancellation method:** written notice to the membership travel operator at the operator’s address

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> 10 days if the contract was delivered at the time of sale, or within a longer time period if provided by the contract. Upon return of the contract, the provider must grant you a refund of the full purchase price if no claim has been made under the contract. Military Personnel Under a Minnesota law drafted by the Attorney General’s Office, military personnel may cancel cell phone or wireless service contracts without penalty when the service member is called to active duty. Military personnel may also cancel rental contracts, club contracts, service contracts, and membership travel contracts

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

transaction_type: membership travel contract


body:
**State:** Texas

**Transaction type:** motor vehicle installment contract

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Fin. Code § 348.111

> Motor vehicle installment contracts may be cancelled under certain conditions. Installment sales are between the retail buyer and seller and do not apply to third-party loan providers.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Fin. Code § 348.111

transaction_type: motor vehicle installment contract


body:
**State:** Texas

**Transaction type:** property in public improvement district (purchase contract)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Prop. Code § 5.0141(b)

> Provides a window of time to terminate a purchase contract if the purchaser did not receive proper notice that the property is in a public improvement district.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Prop. Code § 5.0141(b)


body:
**State:** Texas

**Transaction type:** public insurance adjuster contract

**Cooling-off period:** 72 hours

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Ins. Code § 4102.103

> Allows a consumer to cancel a contract with a public insurance adjuster within 72 hours of signature.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

cooling_off_days: 72 hours

statute_citation: Tex. Ins. Code § 4102.103

transaction_type: public insurance adjuster contract

unverified_fields: cancellation_fee, cancellation_method, refund_timeline, state, statute_citation


body:
**State:** Texas

**Transaction type:** residential remodeling contract (homestead lien)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Const. art. XVI, § 50(a)(5)(C)

> Texas homestead protections provide for a limited right to cancel a remodeling contract that would put a lien on the homestead.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Const. art. XVI, § 50(a)(5)(C)


body:
**State:** Minnesota

**Transaction type:** residential roofing and siding contract

**Cooling-off period:** 72 hours after insurance claim denial notification

**Cancellation method:** not specified

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> A person who signs a contract with a residential roofer or siding contractor to provide goods and services to be paid for by their property or casualty insurance policy has the right to cancel the contract within 72 hours after the person has been notified by his or her insurer that their insurance claim for the project was denied.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

transaction_type: residential roofing and siding contract


body:
**State:** Texas

**Transaction type:** retail installment contract (goods and services, excluding motor vehicles)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Fin. Code § 345.066

> Retail installment contracts for goods and services (excluding motor vehicles) may be cancelled under certain conditions. These sales are generally between the retail buyer and seller.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Fin. Code § 345.066


body:
**State:** Minnesota

**Transaction type:** reverse mortgage

**Cooling-off period:** 7 days

**Cancellation method:** not specified

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> Reverse Mortgages Federal regulations allow you to cancel a reverse mortgage within three days of signing the contract. Minnesota

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

cooling_off_days: 7 days

transaction_type: reverse mortgage


body:
**State:** Texas

**Transaction type:** service contract (extended warranty)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Occ. Code § 1304.1581

> Service contracts (also commonly called extended warranties) may be cancelled under certain conditions.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Occ. Code § 1304.1581

transaction_type: service contract (extended warranty)


body:
**State:** Minnesota

**Transaction type:** social referral club membership

**Cooling-off period:** 3 business days

**Cancellation method:** written notice

**Refund timeline:** not specified

**Cancellation fee:** not specified

**Statute:** not specified

> As a member of a health club, social referral club, or buying club you may cancel your membership in writing within three business days following the date on which the membership was attained.

Source: <https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp>

transaction_type: social referral club membership


body:
**State:** Texas

**Transaction type:** telephone solicitation purchase (credit card)

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Bus. & Com. Code § 301.052

> Goods or services purchased with a credit card from a telephone solicitor.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Bus. & Com. Code § 301.052


body:
**State:** Texas

**Transaction type:** timeshare purchase

**Cooling-off period:** not specified on this page

**Cancellation method:** not specified on this page

**Refund timeline:** not specified on this page

**Cancellation fee:** not specified

**Statute:** Tex. Prop. Code § 221.041

> Allows a purchaser to cancel a timeshare contract.

Source: <https://guides.sll.texas.gov/right-to-cancel/general-information>

statute_citation: Tex. Prop. Code § 221.041

transaction_type: timeshare purchase