Chapter

Part 55 Uniform Debt-Management Services Act

Tenn. Code Ann. § 47-18-101— Short title
Tenn. Code Ann. § 47-18-102— Purposes
Tenn. Code Ann. § 47-18-103— Part definitions
Tenn. Code Ann. § 47-18-104— Unfair or deceptive acts prohibited
Tenn. Code Ann. § 47-18-105— [Repealed.]
Tenn. Code Ann. § 47-18-106— Investigations — Requests for information — Penalties for noncompliance
Tenn. Code Ann. § 47-18-107— Assurance of voluntary compliance — Penalty for violation
Tenn. Code Ann. § 47-18-108— Restraining orders or injunctions — Penalty for violation
Tenn. Code Ann. § 47-18-109— Private right of action — Damages — Notice to attorney general
Tenn. Code Ann. § 47-18-110— Limitations of actions
Tenn. Code Ann. § 47-18-111— Exemptions
Tenn. Code Ann. § 47-18-112— Supplementary law
Tenn. Code Ann. § 47-18-113— Waiver of rights — Restrictions on jurisdiction or venue prohibited
Tenn. Code Ann. § 47-18-114— Powers of attorney general
Tenn. Code Ann. § 47-18-115— Construction
Tenn. Code Ann. § 47-18-116— Costs
Tenn. Code Ann. § 47-18-117— Out-of-state liquor advertisers — Warning
Tenn. Code Ann. § 47-18-118— Failure to respond to request for information
Tenn. Code Ann. § 47-18-119— New passenger motor vehicle
Tenn. Code Ann. § 47-18-120— Definitions — Prizes offered as inducements — Unfair or deceptive practices
Tenn. Code Ann. § 47-18-121— Unlicensed motor vehicle dealers to comply with advertising requirements
Tenn. Code Ann. § 47-18-122— Applicability to violations of part 2
Tenn. Code Ann. § 47-18-123— Products, services or memberships purchased by negotiation of unsolicited negotiable instruments
Tenn. Code Ann. § 47-18-124— Prizes — Unfair or deceptive practices
Tenn. Code Ann. § 47-18-125— Protection of elder persons — Cumulative, additional and supplemental penalties
Tenn. Code Ann. § 47-18-126— Electronically printed receipts for credit and debit cards — Violations — Application
Tenn. Code Ann. § 47-18-127— Gift certificates
Tenn. Code Ann. § 47-18-128— Disclosure of holds on debit cards
Tenn. Code Ann. § 47-18-129— Sale or gift of certain novelty lighters prohibited
Tenn. Code Ann. § 47-18-130— Travel promoters — Commingling of funds prohibited — Trust account
Tenn. Code Ann. § 47-18-131— Government Imposter and Deceptive Advertisements Act
Tenn. Code Ann. § 47-18-132— Billing for special healthcare service or costs of supplies, equipment, or other services provided by a healthcare facility
Tenn. Code Ann. § 47-18-201— [Repealed.]
Tenn. Code Ann. § 47-18-202— [Repealed.]
Tenn. Code Ann. § 47-18-203— [Repealed.]
Tenn. Code Ann. § 47-18-204— [Repealed.]
Tenn. Code Ann. § 47-18-205— [Repealed.]
Tenn. Code Ann. § 47-18-206— [Repealed.]
Tenn. Code Ann. § 47-18-207— [Repealed.]
Tenn. Code Ann. § 47-18-208— [Repealed.]
Tenn. Code Ann. § 47-18-209— [Repealed.]
Tenn. Code Ann. § 47-18-210— [Repealed.]
Tenn. Code Ann. § 47-18-301— Part definitions
Tenn. Code Ann. § 47-18-302— [Repealed.]
Tenn. Code Ann. § 47-18-303— Unenforceable health club agreements
Tenn. Code Ann. § 47-18-304— [Repealed.]
Tenn. Code Ann. § 47-18-305— Requirements for valid agreements
Tenn. Code Ann. § 47-18-306— Duration of agreements
Tenn. Code Ann. § 47-18-307— Provisions contrary to public policy
Tenn. Code Ann. § 47-18-308— Applicability of provisions
Tenn. Code Ann. § 47-18-309— [Repealed.]
Tenn. Code Ann. § 47-18-310— [Repealed.]
Tenn. Code Ann. § 47-18-311— [Repealed.]
Tenn. Code Ann. § 47-18-312— Penalty for violations
Tenn. Code Ann. § 47-18-313— Responsibility for compliance
Tenn. Code Ann. § 47-18-314— Compliance exemption — Requirements
Tenn. Code Ann. § 47-18-315— [Repealed.]
Tenn. Code Ann. § 47-18-316— [Repealed.]
Tenn. Code Ann. § 47-18-317— Violations — Penalties and remedies
Tenn. Code Ann. § 47-18-318— Surety bond — Applicability — Filing of audited financial statement
Tenn. Code Ann. § 47-18-319— [Repealed.]
Tenn. Code Ann. § 47-18-401— Short title
Tenn. Code Ann. § 47-18-402— Part definitions
Tenn. Code Ann. § 47-18-403— Applicability of part
Tenn. Code Ann. § 47-18-404— Persons subject to part to disclose name, address and telephone number on website — Issuance of subpoena to suspected violators
Tenn. Code Ann. § 47-18-405— Action by attorney general and reporter or district attorney general to enforce part
Tenn. Code Ann. § 47-18-406— Civil penalties
Tenn. Code Ann. § 47-18-407— Applicability of Tennessee Consumer Protection Act of 1977 — Action by attorney general
Tenn. Code Ann. § 47-18-501— Part definitions
Tenn. Code Ann. § 47-18-502— Cancellation of membership
Tenn. Code Ann. § 47-18-503— Contracts — Notice of right to cancel
Tenn. Code Ann. § 47-18-504— Contracts — Nondelivery of goods — Savings claims
Tenn. Code Ann. § 47-18-505— Contracts — Duration
Tenn. Code Ann. § 47-18-506— Exemptions
Tenn. Code Ann. § 47-18-507— Required disclosures — Unfair or deceptive trade practices
Tenn. Code Ann. § 47-18-508— Requirements nonwaivable
Tenn. Code Ann. § 47-18-509— Violations of part — Penalties
Tenn. Code Ann. § 47-18-601— Short title
Tenn. Code Ann. § 47-18-602— Legislative findings and purpose
Tenn. Code Ann. § 47-18-603— Part definitions
Tenn. Code Ann. § 47-18-604— Required disclosures
Tenn. Code Ann. § 47-18-605— Form of disclosures
Tenn. Code Ann. § 47-18-606— Prohibited terms of agreement
Tenn. Code Ann. § 47-18-607— Termination and reinstatement provisions
Tenn. Code Ann. § 47-18-608— Receipts for payments
Tenn. Code Ann. § 47-18-609— Renegotiations — Extensions
Tenn. Code Ann. § 47-18-610— Advertisements
Tenn. Code Ann. § 47-18-611— Civil liability
Tenn. Code Ann. § 47-18-612— Limitation of actions
Tenn. Code Ann. § 47-18-613— Liability — Good faith defenses
Tenn. Code Ann. § 47-18-614— Criminal liability
Tenn. Code Ann. § 47-18-701— Short title
Tenn. Code Ann. § 47-18-702— Part definitions
Tenn. Code Ann. § 47-18-703— Cancellation — Buyer's rights — Exceptions
Tenn. Code Ann. § 47-18-704— Cancellation — Notice to buyer of rights
Tenn. Code Ann. § 47-18-705— Cancellation — Refund of payments — Lien pending refund
Tenn. Code Ann. § 47-18-706— Cancellation — Return of goods — Compensation for services
Tenn. Code Ann. § 47-18-707— Misrepresentation of seller's identity
Tenn. Code Ann. § 47-18-708— Nonwaivable buyer's rights
Tenn. Code Ann. § 47-18-801— Short title
Tenn. Code Ann. § 47-18-802— Unlawful discrimination
Tenn. Code Ann. § 47-18-803— Damages and attorney's fees
Tenn. Code Ann. § 47-18-804— Jurisdiction and limitation of actions
Tenn. Code Ann. § 47-18-805— Liability of spouse
Tenn. Code Ann. § 47-18-901— Rights of recipient
Tenn. Code Ann. § 47-18-902— Defense against action for value or return of goods
Tenn. Code Ann. § 47-18-1001— Short title
Tenn. Code Ann. § 47-18-1002— Part definitions
Tenn. Code Ann. § 47-18-1003— Prohibited practices
Tenn. Code Ann. § 47-18-1004— Information statement required — Record on file
Tenn. Code Ann. § 47-18-1005— Contents of information statement
Tenn. Code Ann. § 47-18-1006— Contract — Cancellation notice
Tenn. Code Ann. § 47-18-1007— Violations — Proof of exemption
Tenn. Code Ann. § 47-18-1008— Damages, private actions
Tenn. Code Ann. § 47-18-1009— Limitation of actions
Tenn. Code Ann. § 47-18-1010— Violation of Consumer Protection Act — Institution of proceedings
Tenn. Code Ann. § 47-18-1011— Bond
Tenn. Code Ann. § 47-18-1101— Part definitions
Tenn. Code Ann. § 47-18-1102— Knowingly establishing, promoting, or operating pyramid promotional scheme — Offense
Tenn. Code Ann. § 47-18-1103— Authority to proceed against pyramid promotional schemes for any other violations of state law not limited
Tenn. Code Ann. § 47-18-1104— Enforcement of part — Civil penalties
Tenn. Code Ann. § 47-18-1105— Violation of part is misdemeanor
Tenn. Code Ann. § 47-18-1106— Participants in scheme not subject to prosecution under part
Tenn. Code Ann. § 47-18-1201— Part definitions
Tenn. Code Ann. § 47-18-1202— Prohibited acts
Tenn. Code Ann. § 47-18-1203— Prohibited practices under Consumer Protection Act
Tenn. Code Ann. § 47-18-1301— Short title
Tenn. Code Ann. § 47-18-1302— Legislative intent
Tenn. Code Ann. § 47-18-1303— Part definitions
Tenn. Code Ann. § 47-18-1304— Labeling and posting — Standards — Waiver of standards or alternative standards
Tenn. Code Ann. § 47-18-1305— Inspections and testing
Tenn. Code Ann. § 47-18-1306— Samples for testing — Testing of ethanol or methanol
Tenn. Code Ann. § 47-18-1307— Sanctions for violations — Penalties
Tenn. Code Ann. § 47-18-1308— Officials or employees administering or enforcing part — Reports of interests in conveyances — Restrictions on use of samples
Tenn. Code Ann. § 47-18-1309— Rules and regulations — Contested cases
Tenn. Code Ann. § 47-18-1310— Report to governor and general assembly
Tenn. Code Ann. § 47-18-1311— Funding
Tenn. Code Ann. § 47-18-1401— Short title
Tenn. Code Ann. § 47-18-1402— Warranty extension period
Tenn. Code Ann. § 47-18-1403— Working days — Definition
Tenn. Code Ann. § 47-18-1404— Applicability
Tenn. Code Ann. § 47-18-1501— Short title — Part definitions
Tenn. Code Ann. § 47-18-1502— Unlawful use of ADAD equipment — Consent to calls
Tenn. Code Ann. § 47-18-1503— Registration requirements — Issuance and revocation of permits
Tenn. Code Ann. § 47-18-1504— Unlawful to connect ADAD equipment to telephone line without permit — Renewal of permit
Tenn. Code Ann. § 47-18-1505— Unlawful use of telephone access line
Tenn. Code Ann. § 47-18-1506— Telephone companies and cooperatives — Withdrawal of access to a telephone access line
Tenn. Code Ann. § 47-18-1507— Permissible use of ADAD equipment
Tenn. Code Ann. § 47-18-1508— Penalty — Criminal
Tenn. Code Ann. § 47-18-1509— Injunctive relief — Recovery of damages
Tenn. Code Ann. § 47-18-1510— Penalty — Civil
Tenn. Code Ann. § 47-18-1511— Offense of using ADAD equipment to intentionally conceal or misrepresent telephone number of the equipment — Exceptions
Tenn. Code Ann. § 47-18-1512— — 47-18-1525. [Reserved.]
Tenn. Code Ann. § 47-18-1526— Telephone solicitations prohibited
Tenn. Code Ann. § 47-18-1527— Credit card charges by telephone solicitation permitted — Unauthorized charges — Refund
Tenn. Code Ann. § 47-18-1601— Short title
Tenn. Code Ann. § 47-18-1602— Part definitions
Tenn. Code Ann. § 47-18-1603— Licensure of fantasy sports operator — Application — Records of player accounts
Tenn. Code Ann. § 47-18-1604— Duties of secretary of state
Tenn. Code Ann. § 47-18-1605— Requirements for fantasy sports operators
Tenn. Code Ann. § 47-18-1606— Violations — Investigative and enforcement authority — Costs
Tenn. Code Ann. § 47-18-1607— Fantasy sports fund
Tenn. Code Ann. § 47-18-1608— Suspension, refusal to renew, or revocation of license and/or fine for violations — Ineligibility to apply for license
Tenn. Code Ann. § 47-18-1609— Cumulative and supplemental powers and remedies
Tenn. Code Ann. § 47-18-1610— Inapplicable provisions
Tenn. Code Ann. § 47-18-1611— Continued operation as fantasy sports operator without license — Violation
Tenn. Code Ann. § 47-18-1612— Promulgation of rules — Carrying out provisions
Tenn. Code Ann. § 47-18-1701— Short title
Tenn. Code Ann. § 47-18-1702— Part definitions
Tenn. Code Ann. § 47-18-1703— Prohibited acts
Tenn. Code Ann. § 47-18-1704— Refund of fees paid in event of termination
Tenn. Code Ann. § 47-18-1705— Exemptions
Tenn. Code Ann. § 47-18-1706— Investigators
Tenn. Code Ann. § 47-18-1707— Enforcement actions
Tenn. Code Ann. § 47-18-1708— Violations — Penalties
Tenn. Code Ann. § 47-18-1801— Short title
Tenn. Code Ann. § 47-18-1802— Part definitions
Tenn. Code Ann. § 47-18-1803— Administration
Tenn. Code Ann. § 47-18-1804— Labeling requirements
Tenn. Code Ann. § 47-18-1805— Injunctive relief
Tenn. Code Ann. § 47-18-1806— Civil penalties
Tenn. Code Ann. § 47-18-1807— Civil actions — Damages — Declaratory judgments — Costs
Tenn. Code Ann. § 47-18-1808— Statute of limitations
Tenn. Code Ann. § 47-18-1809— Construction with federal law
Tenn. Code Ann. § 47-18-1901— Minimum service periods — Disclosure required
Tenn. Code Ann. § 47-18-1902— Penalties
Tenn. Code Ann. § 47-18-1903— Applicability to regulated utilities
Tenn. Code Ann. § 47-18-1904— Applicability to personal, family and household uses
Tenn. Code Ann. § 47-18-1905— Applicability to contracts executed after effective date
Tenn. Code Ann. § 47-18-2001— Short title
Tenn. Code Ann. § 47-18-2002— Part definitions
Tenn. Code Ann. § 47-18-2003— Minimum package contents
Tenn. Code Ann. § 47-18-2004— Purpose — Liberal construction
Tenn. Code Ann. § 47-18-2005— Violation of Consumer Protection Act
Tenn. Code Ann. § 47-18-2006— Institution of proceedings — Costs of actions
Tenn. Code Ann. § 47-18-2101— Short title
Tenn. Code Ann. § 47-18-2102— Definitions
Tenn. Code Ann. § 47-18-2103— Prohibited practices
Tenn. Code Ann. § 47-18-2104— Private rights of action
Tenn. Code Ann. § 47-18-2105— Civil penalties and remedies
Tenn. Code Ann. § 47-18-2106— Violation of Tennessee Consumer Protection Act
Tenn. Code Ann. § 47-18-2107— Release of personal consumer information
Tenn. Code Ann. § 47-18-2108— Security freeze at the request of the consumer
Tenn. Code Ann. § 47-18-2109— Notice to consumer regarding security freeze
Tenn. Code Ann. § 47-18-2110— Protecting social security numbers from disclosure
Tenn. Code Ann. § 47-18-2111— Protected consumer security freeze
Tenn. Code Ann. § 47-18-2201— Short title
Tenn. Code Ann. § 47-18-2202— Legislature findings and intent
Tenn. Code Ann. § 47-18-2203— Part definitions
Tenn. Code Ann. § 47-18-2204— Disclosure by seller or service provider of personally identifiable information concerning consumers
Tenn. Code Ann. § 47-18-2205— Liability for damages
Tenn. Code Ann. § 47-18-2301— Part definitions
Tenn. Code Ann. § 47-18-2302— Offense of caller identification spoofing
Tenn. Code Ann. § 47-18-2303— Acts not prohibited or restricted
Tenn. Code Ann. § 47-18-2304— Action for injunctive relief and civil penalty by attorney general and reporter
Tenn. Code Ann. § 47-18-2305— Private action for injunctive relief and damages
Tenn. Code Ann. § 47-18-2401— Notice requirements for unsolicited loans
Tenn. Code Ann. § 47-18-2402— Failure to provide notice a defense to collection action
Tenn. Code Ann. § 47-18-2403— Violation of part constituting unfair or deceptive trade practice
Tenn. Code Ann. § 47-18-2404— Notices and obligations — Application — Damages
Tenn. Code Ann. § 47-18-2501— Regulation of unsolicited electronic advertising — Falsification of electronic mail transmission information prohibited — Institution of actions and damages
Tenn. Code Ann. § 47-18-2502— Part definitions
Tenn. Code Ann. § 47-18-2601— Short title
Tenn. Code Ann. § 47-18-2602— Part definitions
Tenn. Code Ann. § 47-18-2603— Transfer agreement — Requirements
Tenn. Code Ann. § 47-18-2604— Circuit court jurisdiction — Requirements for notice — Best interest standard — Fees
Tenn. Code Ann. § 47-18-2605— Waiver — Failure to satisfy conditions
Tenn. Code Ann. § 47-18-2606— Other statutory provisions remain valid
Tenn. Code Ann. § 47-18-2607— Applicability
Tenn. Code Ann. § 47-18-2701— Prohibited activities
Tenn. Code Ann. § 47-18-2702— Jurisdiction
Tenn. Code Ann. § 47-18-2703— Application
Tenn. Code Ann. § 47-18-2704— Compliance by issuers
Tenn. Code Ann. § 47-18-2801— Public policy
Tenn. Code Ann. § 47-18-2802— Prohibited acts during medical emergency — Defenses
Tenn. Code Ann. § 47-18-2803— Violations
Tenn. Code Ann. § 47-18-2804— Provisions of part supplemental
Tenn. Code Ann. § 47-18-2805— Rules and regulations
Tenn. Code Ann. § 47-18-2901— Safeguards and procedures for ensuring that confidential information protected on laptop computers and other removable storage devices — Claim for damages
Tenn. Code Ann. § 47-18-3001— Part definitions
Tenn. Code Ann. § 47-18-3002— Prohibitions on legal advertisement
Tenn. Code Ann. § 47-18-3003— Prohibited uses of protected health information for purpose of soliciting individual for legal services
Tenn. Code Ann. § 47-18-3004— Requirements for words and statements and disclosures
Tenn. Code Ann. § 47-18-3005— Violations — Investigative and enforcement authority
Tenn. Code Ann. § 47-18-3006— Effect of part
Tenn. Code Ann. § 47-18-5001— Office of the attorney general and reporter — Director of consumer affairs
Tenn. Code Ann. § 47-18-5002— Power to employ personnel
Tenn. Code Ann. § 47-18-5003— Plan to receive and disseminate on attorney general and reporter's website reports of scams, schemes, swindles, and other frauds that target adults
Tenn. Code Ann. § 47-18-5101— Legislative intent
Tenn. Code Ann. § 47-18-5102— Part definitions
Tenn. Code Ann. § 47-18-5103— Prohibited acts during declaration of abnormal economic disruption
Tenn. Code Ann. § 47-18-5104— Violation — Unfair or deceptive act or practice — Penalties cumulative
Tenn. Code Ann. § 47-18-5201— Short title
Tenn. Code Ann. § 47-18-5202— Part definitions
Tenn. Code Ann. § 47-18-5203— Violation of part
Tenn. Code Ann. § 47-18-5204— Persons allowed to bring an action for damages
Tenn. Code Ann. § 47-18-5205— Violation of part constituting violation of the Tennessee Consumer Protection Act — Application and construction
Tenn. Code Ann. § 47-18-5301— Short title
Tenn. Code Ann. § 47-18-5302— Part definitions
Tenn. Code Ann. § 47-18-5303— Prohibited musical performance or production
Tenn. Code Ann. § 47-18-5304— Violations — Application and construction
Tenn. Code Ann. § 47-18-5401— Part definitions
Tenn. Code Ann. § 47-18-5402— Marketing of foreclosure-related rescue services — Agreements and cancellation rights
Tenn. Code Ann. § 47-18-5501— Short title
Tenn. Code Ann. § 47-18-5502— Part definitions
Tenn. Code Ann. § 47-18-5503— Exempt agreements and persons
Tenn. Code Ann. § 47-18-5504— Registration required — Maintenance and publication of list of registered providers
Tenn. Code Ann. § 47-18-5505— Application for registration — Form, fee, and accompanying documents
Tenn. Code Ann. § 47-18-5506— Application for registration — Required information
Tenn. Code Ann. § 47-18-5507— Obligation to update information in application for registration
Tenn. Code Ann. § 47-18-5508— Public information in application for registration
Tenn. Code Ann. § 47-18-5509— Issuance or denial of certificate of registration
Tenn. Code Ann. § 47-18-5510— Timing of certificate of registration
Tenn. Code Ann. § 47-18-5511— Renewal of registration
Tenn. Code Ann. § 47-18-5512— Registration in another state
Tenn. Code Ann. § 47-18-5513— Bond requirement
Tenn. Code Ann. § 47-18-5514— Substitute for bond requirement
Tenn. Code Ann. § 47-18-5515— Requirement of good faith
Tenn. Code Ann. § 47-18-5516— Customer service
Tenn. Code Ann. § 47-18-5517— Prerequisites for providing debt-management services
Tenn. Code Ann. § 47-18-5518— Communication by electronic or other means
Tenn. Code Ann. § 47-18-5519— Form and contents of agreement
Tenn. Code Ann. § 47-18-5520— Cancellation of agreement — Waiver
Tenn. Code Ann. § 47-18-5521— Required language
Tenn. Code Ann. § 47-18-5522— Trust account
Tenn. Code Ann. § 47-18-5523— Fees and other charges
Tenn. Code Ann. § 47-18-5524— Voluntary contributions
Tenn. Code Ann. § 47-18-5525— Voidable agreements
Tenn. Code Ann. § 47-18-5526— Termination of agreements
Tenn. Code Ann. § 47-18-5527— Periodic reports and retention of records
Tenn. Code Ann. § 47-18-5528— Prohibited acts and practices
Tenn. Code Ann. § 47-18-5529— Notice of litigation
Tenn. Code Ann. § 47-18-5530— Advertising
Tenn. Code Ann. § 47-18-5531— Liability for the conduct of other persons
Tenn. Code Ann. § 47-18-5532— Powers of administrator
Tenn. Code Ann. § 47-18-5533— Administrative remedies
Tenn. Code Ann. § 47-18-5534— Suspension, revocation or nonrenewal of registration
Tenn. Code Ann. § 47-18-5535— Private enforcement
Tenn. Code Ann. § 47-18-5536— Violation of Consumer Protection Act
Tenn. Code Ann. § 47-18-5537— Statute of limitations
Tenn. Code Ann. § 47-18-5538— Uniformity of application and construction
Tenn. Code Ann. § 47-18-5539— Relation to Electronic Signatures in Global And National Commerce Act
Tenn. Code Ann. § 47-18-5540— Transitional provisions — Application to existing transactions
Tenn. Code Ann. § 47-18-5541— Severability
Tenn. Code Ann. § 47-18-5542— Transfer of administration to division of regulatory boards