{
  "name": "Consumer contract cooling-off and rescission periods by US state and transaction type",
  "description": "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 \u2265$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'.",
  "url": "https://referencesource.org/state-consumer-cooling-off-periods/",
  "licence": "US state government works \u2014 public domain. Federal FTC rule is US government work.",
  "last_verified": "2026-08-16",
  "stale_after": "2027-08-16",
  "sources": [
    "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
    "https://guides.sll.texas.gov/right-to-cancel/general-information",
    "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429"
  ],
  "records": [
    {
      "state": "Minnesota",
      "transaction_type": "agricultural contract",
      "cooling_off_days": "3 business days",
      "cancellation_method": "mailing a written cancellation notice to the contractor",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "agricultural-contract-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/agricultural-contract-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "cancellation_method",
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "buying club membership",
      "cooling_off_days": "3 business days",
      "cancellation_method": "written notice",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "buying-club-membership-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/buying-club-membership-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "commercial motor vehicle installment contract",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Fin. Code \u00a7 353.111",
      "id": "commercial-motor-vehicle-installment-contract-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/commercial-motor-vehicle-installment-contract-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Installment contracts for commercial motor vehicles may be cancelled under certain conditions.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "condominium unit purchase",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Prop. Code \u00a7 82.156",
      "id": "condominium-unit-purchase-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/condominium-unit-purchase-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Provides a right to cancel the purchase of a condominium unit if certain requirements are not met by the seller.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "credit services contract",
      "cooling_off_days": "5 working days",
      "cancellation_method": "written notice",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "credit-services-contract-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/credit-services-contract-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "You may cancel a contract with a credit services organization in writing within five working days from the date the contract was signed.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "debt management and debt settlement services",
      "cooling_off_days": "anytime with 10 days written notice",
      "cancellation_method": "written notice",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "debt-management-and-debt-settlement-services-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/debt-management-and-debt-settlement-services-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "cancellation_method",
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Federal",
      "transaction_type": "door-to-door sales",
      "cooling_off_days": "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_citation": "16 CFR Part 429",
      "id": "door-to-door-sales-federal",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/door-to-door-sales-federal/",
      "source": "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429",
      "source_quote": "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"
    },
    {
      "state": "Texas",
      "transaction_type": "door-to-door sales",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Bus. & Com. Code Ch. 601",
      "id": "door-to-door-sales-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/door-to-door-sales-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Door-to-door sales or sales made at a place other than the seller's place of business.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "executory contract (contract for deed / lease to own)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Prop. Code \u00a7 5.074",
      "id": "executory-contract-contract-for-deed-lease-to-own-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/executory-contract-contract-for-deed-lease-to-own-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "extended car warranty",
      "cooling_off_days": "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_citation": "not specified",
      "id": "extended-car-warranty-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/extended-car-warranty-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "Minnesota law provides that motor vehicle service contracts\u2014commonly referred to as extended car warranties\u2014must 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.",
      "verified_fields": [
        "cancellation_method",
        "cooling_off_days",
        "refund_timeline",
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "foreclosure consultant contract",
      "cooling_off_days": "3 business days",
      "cancellation_method": "not specified",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "foreclosure-consultant-contract-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/foreclosure-consultant-contract-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "You may cancel contracts with foreclosure consultants within three business days after the day on which the contract was signed.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "health club membership",
      "cooling_off_days": "3 business days",
      "cancellation_method": "written notice",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "health-club-membership-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/health-club-membership-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "health spa contract",
      "cooling_off_days": "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_citation": "Tex. Occ. Code \u00a7\u00a7 702.307-702.308",
      "id": "health-spa-contract-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/health-spa-contract-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Health spa contracts may be fully or partially refunded under certain conditions.",
      "verified_fields": [
        "refund_timeline",
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "hearing aid purchase",
      "cooling_off_days": "45 days",
      "cancellation_method": "not specified",
      "refund_timeline": "not specified",
      "cancellation_fee": "$250",
      "statute_citation": "not specified",
      "id": "hearing-aid-purchase-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/hearing-aid-purchase-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "cancellation_fee",
        "cooling_off_days",
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "home equity loan (reverse mortgage)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Const. art. XVI, \u00a7 50(a)(6)(Q)(viii)",
      "id": "home-equity-loan-reverse-mortgage-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/home-equity-loan-reverse-mortgage-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Texas homestead protections provide a right to rescind a home equity loan (also known as a \"reverse mortgage\").",
      "verified_fields": [
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "home solicitation sales",
      "cooling_off_days": "3 business days",
      "cancellation_method": "written notice to the specific address provided by the seller",
      "refund_timeline": "10 days",
      "cancellation_fee": "not specified",
      "statute_citation": "Minn. Stat. \u00a7 325G.08",
      "id": "home-solicitation-sales-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/home-solicitation-sales-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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",
      "verified_fields": [
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "life insurance policy",
      "cooling_off_days": "10 days",
      "cancellation_method": "return the policy",
      "refund_timeline": "refund all premiums paid",
      "cancellation_fee": "none",
      "statute_citation": "not specified",
      "id": "life-insurance-policy-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/life-insurance-policy-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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\u2014commonly referred to as extended car warranties\u2014must 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.",
      "verified_fields": [
        "cooling_off_days",
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "manufactured home sale, exchange, or lease",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Occ. Code \u00a7 1201.1521",
      "id": "manufactured-home-sale-exchange-or-lease-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/manufactured-home-sale-exchange-or-lease-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Contracts for sale, exchange, or lease of a manufactured home may be cancelled under certain conditions.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "membership camping contract",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Prop. Code \u00a7 222.008",
      "id": "membership-camping-contract-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/membership-camping-contract-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Provides a limited right to cancel a membership camping contract under certain conditions.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "membership travel contract",
      "cooling_off_days": "10 days",
      "cancellation_method": "written notice to the membership travel operator at the operator\u2019s address",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "membership-travel-contract-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/membership-travel-contract-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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",
      "verified_fields": [
        "cooling_off_days",
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "motor vehicle installment contract",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Fin. Code \u00a7 348.111",
      "id": "motor-vehicle-installment-contract-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/motor-vehicle-installment-contract-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "property in public improvement district (purchase contract)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Prop. Code \u00a7 5.0141(b)",
      "id": "property-in-public-improvement-district-purchase-contract-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/property-in-public-improvement-district-purchase-contract-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "public insurance adjuster contract",
      "cooling_off_days": "72 hours",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Ins. Code \u00a7 4102.103",
      "id": "public-insurance-adjuster-contract-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/public-insurance-adjuster-contract-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Allows a consumer to cancel a contract with a public insurance adjuster within 72 hours of signature.",
      "verified_fields": [
        "cooling_off_days",
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "residential remodeling contract (homestead lien)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Const. art. XVI, \u00a7 50(a)(5)(C)",
      "id": "residential-remodeling-contract-homestead-lien-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/residential-remodeling-contract-homestead-lien-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Texas homestead protections provide for a limited right to cancel a remodeling contract that would put a lien on the homestead.",
      "verified_fields": [
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "residential roofing and siding contract",
      "cooling_off_days": "72 hours after insurance claim denial notification",
      "cancellation_method": "not specified",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "residential-roofing-and-siding-contract-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/residential-roofing-and-siding-contract-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "retail installment contract (goods and services, excluding motor vehicles)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Fin. Code \u00a7 345.066",
      "id": "retail-installment-contract-goods-and-services-excluding-motor-vehicles-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/retail-installment-contract-goods-and-services-excluding-motor-vehicles-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "reverse mortgage",
      "cooling_off_days": "7 days",
      "cancellation_method": "not specified",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "reverse-mortgage-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/reverse-mortgage-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "Reverse Mortgages Federal regulations allow you to cancel a reverse mortgage within three days of signing the contract. Minnesota",
      "verified_fields": [
        "state",
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "service contract (extended warranty)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Occ. Code \u00a7 1304.1581",
      "id": "service-contract-extended-warranty-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/service-contract-extended-warranty-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Service contracts (also commonly called extended warranties) may be cancelled under certain conditions.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Minnesota",
      "transaction_type": "social referral club membership",
      "cooling_off_days": "3 business days",
      "cancellation_method": "written notice",
      "refund_timeline": "not specified",
      "cancellation_fee": "not specified",
      "statute_citation": "not specified",
      "id": "social-referral-club-membership-minnesota",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/social-referral-club-membership-minnesota/",
      "source": "https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp",
      "source_quote": "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.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "telephone solicitation purchase (credit card)",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Bus. & Com. Code \u00a7 301.052",
      "id": "telephone-solicitation-purchase-credit-card-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/telephone-solicitation-purchase-credit-card-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Goods or services purchased with a credit card from a telephone solicitor.",
      "verified_fields": [
        "transaction_type"
      ]
    },
    {
      "state": "Texas",
      "transaction_type": "timeshare purchase",
      "cooling_off_days": "not specified on this page",
      "cancellation_method": "not specified on this page",
      "refund_timeline": "not specified on this page",
      "cancellation_fee": "not specified",
      "statute_citation": "Tex. Prop. Code \u00a7 221.041",
      "id": "timeshare-purchase-texas",
      "url": "https://referencesource.org/state-consumer-cooling-off-periods/timeshare-purchase-texas/",
      "source": "https://guides.sll.texas.gov/right-to-cancel/general-information",
      "source_quote": "Allows a purchaser to cancel a timeshare contract.",
      "verified_fields": [
        "transaction_type"
      ]
    }
  ]
}