cancellation_fee stringclasses 3
values | cancellation_method stringclasses 9
values | cooling_off_days stringclasses 10
values | id stringlengths 24 77 | refund_timeline stringclasses 7
values | source stringclasses 3
values | source_quote stringlengths 125 741 | state stringclasses 3
values | statute_citation stringlengths 13 56 | transaction_type stringlengths 16 74 | url stringlengths 88 141 | verified_fields listlengths 2 4 ⌀ |
|---|---|---|---|---|---|---|---|---|---|---|---|
none | mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram | 3 business days | door-to-door-sales-federal | 10 business days | https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/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... | Federal | 16 CFR Part 429 | door-to-door sales | https://referencesource.org/state-consumer-cooling-off-periods/door-to-door-sales-federal/ | null |
not specified | mailing a written cancellation notice to the contractor | 3 business days | agricultural-contract-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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. | Minnesota | not specified | agricultural contract | https://referencesource.org/state-consumer-cooling-off-periods/agricultural-contract-minnesota/ | [
"cancellation_method",
"transaction_type"
] |
not specified | written notice | 3 business days | buying-club-membership-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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. | Minnesota | not specified | buying club membership | https://referencesource.org/state-consumer-cooling-off-periods/buying-club-membership-minnesota/ | null |
not specified | written notice | 5 working days | credit-services-contract-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | You may cancel a contract with a credit services organization in writing within five working days from the date the contract was signed. | Minnesota | not specified | credit services contract | https://referencesource.org/state-consumer-cooling-off-periods/credit-services-contract-minnesota/ | null |
not specified | written notice | anytime with 10 days written notice | debt-management-and-debt-settlement-services-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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 membersh... | Minnesota | not specified | debt management and debt settlement services | https://referencesource.org/state-consumer-cooling-off-periods/debt-management-and-debt-settlement-services-minnesota/ | [
"cancellation_method",
"state",
"transaction_type"
] |
none | return the contract | 20 days after mailing, or 10 days if delivered at time of sale | extended-car-warranty-minnesota | full purchase price refund if no claim has been made | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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 prov... | Minnesota | not specified | extended car warranty | https://referencesource.org/state-consumer-cooling-off-periods/extended-car-warranty-minnesota/ | [
"cancellation_method",
"state"
] |
not specified | not specified | 3 business days | foreclosure-consultant-contract-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | You may cancel contracts with foreclosure consultants within three business days after the day on which the contract was signed. | Minnesota | not specified | foreclosure consultant contract | https://referencesource.org/state-consumer-cooling-off-periods/foreclosure-consultant-contract-minnesota/ | null |
not specified | written notice | 3 business days | health-club-membership-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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. | Minnesota | not specified | health club membership | https://referencesource.org/state-consumer-cooling-off-periods/health-club-membership-minnesota/ | null |
$250 | not specified | 45 days | hearing-aid-purchase-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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. | Minnesota | not specified | hearing aid purchase | https://referencesource.org/state-consumer-cooling-off-periods/hearing-aid-purchase-minnesota/ | [
"cancellation_fee",
"cooling_off_days"
] |
not specified | written notice to the specific address provided by the seller | 3 business days | home-solicitation-sales-minnesota | 10 days | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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 | Minnesota | Minn. Stat. § 325G.08 | home solicitation sales | https://referencesource.org/state-consumer-cooling-off-periods/home-solicitation-sales-minnesota/ | [
"state",
"transaction_type"
] |
none | return the policy | 10 days | life-insurance-policy-minnesota | refund all premiums paid | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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 f... | Minnesota | not specified | life insurance policy | https://referencesource.org/state-consumer-cooling-off-periods/life-insurance-policy-minnesota/ | [
"cooling_off_days",
"state",
"transaction_type"
] |
not specified | written notice to the membership travel operator at the operator’s address | 10 days | membership-travel-contract-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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 Attorn... | Minnesota | not specified | membership travel contract | https://referencesource.org/state-consumer-cooling-off-periods/membership-travel-contract-minnesota/ | [
"cooling_off_days",
"state",
"transaction_type"
] |
not specified | not specified | 72 hours after insurance claim denial notification | residential-roofing-and-siding-contract-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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 projec... | Minnesota | not specified | residential roofing and siding contract | https://referencesource.org/state-consumer-cooling-off-periods/residential-roofing-and-siding-contract-minnesota/ | null |
not specified | not specified | 7 days | reverse-mortgage-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | Reverse Mortgages Federal regulations allow you to cancel a reverse mortgage within three days of signing the contract. Minnesota | Minnesota | not specified | reverse mortgage | https://referencesource.org/state-consumer-cooling-off-periods/reverse-mortgage-minnesota/ | [
"state",
"transaction_type"
] |
not specified | written notice | 3 business days | social-referral-club-membership-minnesota | not specified | https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp | 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. | Minnesota | not specified | social referral club membership | https://referencesource.org/state-consumer-cooling-off-periods/social-referral-club-membership-minnesota/ | null |
not specified | not specified on this page | not specified on this page | commercial-motor-vehicle-installment-contract-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 353.111 of the Texas Finance Code This link opens in a new window Installment contracts for commercial motor vehicles may be cancelled under certain conditions. | Texas | Section 353.111 of the Texas Finance Code | commercial motor vehicle installment contract | https://referencesource.org/state-consumer-cooling-off-periods/commercial-motor-vehicle-installment-contract-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | condominium-unit-purchase-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 82.156 of the Texas Property Code This link opens in a new window Provides a right to cancel the purchase of a condominium unit if certain requirements are not met by the seller. | Texas | Section 82.156 of the Texas Property Code | condominium unit purchase | https://referencesource.org/state-consumer-cooling-off-periods/condominium-unit-purchase-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | door-to-door-sales-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Chapter 601 of Texas Business & Commerce Code This link opens in a new window Door-to-door sales or sales made at a place other than the seller's place of business. | Texas | Chapter 601 of Texas Business & Commerce Code | door-to-door sales | https://referencesource.org/state-consumer-cooling-off-periods/door-to-door-sales-texas/ | [
"state",
"statute_citation",
"transaction_type"
] |
not specified | not specified on this page | not specified on this page | executory-contract-contract-for-deed-lease-to-own-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 5.074 of the Texas Property Code This link opens in a new window 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. | Texas | Section 5.074 of the Texas Property Code | executory contract (contract for deed / lease to own) | https://referencesource.org/state-consumer-cooling-off-periods/executory-contract-contract-for-deed-lease-to-own-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | health-spa-contract-texas | fully or partially refunded under certain conditions | https://guides.sll.texas.gov/right-to-cancel/general-information | Sections 702.307 - 702.308 of the Texas Occupations Code This link opens in a new window Health spa contracts may be fully or partially refunded under certain conditions. | Texas | Sections 702.307 - 702.308 of the Texas Occupations Code | health spa contract | https://referencesource.org/state-consumer-cooling-off-periods/health-spa-contract-texas/ | [
"refund_timeline",
"state",
"statute_citation",
"transaction_type"
] |
not specified | not specified on this page | not specified on this page | home-equity-loan-reverse-mortgage-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Texas Constitution art. 16 sec. 50(a)(6)(Q)(viii) This link opens in a new window Texas homestead protections provide a right to rescind a home equity loan (also known as a "reverse mortgage"). | Texas | Texas Constitution art. 16 sec. 50(a)(6)(Q)(viii) | home equity loan (reverse mortgage) | https://referencesource.org/state-consumer-cooling-off-periods/home-equity-loan-reverse-mortgage-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | manufactured-home-sale-exchange-or-lease-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 1201.1521 of the Texas Occupations Code This link opens in a new window Contracts for sale, exchange, or lease of a manufactured home may be cancelled under certain conditions. | Texas | Section 1201.1521 of the Texas Occupations Code | manufactured home sale, exchange, or lease | https://referencesource.org/state-consumer-cooling-off-periods/manufactured-home-sale-exchange-or-lease-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | membership-camping-contract-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 222.008 of the Texas Property Code This link opens in a new window Provides a limited right to cancel a membership camping contract under certain conditions. | Texas | Section 222.008 of the Texas Property Code | membership camping contract | https://referencesource.org/state-consumer-cooling-off-periods/membership-camping-contract-texas/ | [
"state",
"statute_citation",
"transaction_type"
] |
not specified | not specified on this page | not specified on this page | motor-vehicle-installment-contract-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 348.111 of the Texas Finance Code This link opens in a new window 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. | Texas | Section 348.111 of the Texas Finance Code | motor vehicle installment contract | https://referencesource.org/state-consumer-cooling-off-periods/motor-vehicle-installment-contract-texas/ | [
"state",
"statute_citation",
"transaction_type"
] |
not specified | not specified on this page | not specified on this page | property-in-public-improvement-district-purchase-contract-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 5.0141(b) of the Texas Property Code This link opens in a new window 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. | Texas | Section 5.0141(b) of the Texas Property Code | property in public improvement district (purchase contract) | https://referencesource.org/state-consumer-cooling-off-periods/property-in-public-improvement-district-purchase-contract-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | 72 hours | public-insurance-adjuster-contract-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 4102.103 of the Texas Insurance Code This link opens in a new window Allows a consumer to cancel a contract with a public insurance adjuster within 72 hours of signature. | Texas | Section 4102.103 of the Texas Insurance Code | public insurance adjuster contract | https://referencesource.org/state-consumer-cooling-off-periods/public-insurance-adjuster-contract-texas/ | [
"cooling_off_days",
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | residential-remodeling-contract-homestead-lien-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Texas Constitution art. 16 sec. 50(a)(5)(C) This link opens in a new window Texas homestead protections provide for a limited right to cancel a remodeling contract that would put a lien on the homestead. | Texas | Texas Constitution art. 16 sec. 50(a)(5)(C) | residential remodeling contract (homestead lien) | https://referencesource.org/state-consumer-cooling-off-periods/residential-remodeling-contract-homestead-lien-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | retail-installment-contract-goods-and-services-excluding-motor-vehicles-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 345.066 of the Texas Finance Code This link opens in a new window 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. | Texas | Section 345.066 of the Texas Finance Code | retail installment contract (goods and services, excluding motor vehicles) | https://referencesource.org/state-consumer-cooling-off-periods/retail-installment-contract-goods-and-services-excluding-motor-vehicles-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | service-contract-extended-warranty-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 1304.1581 of the Texas Occupations Code This link opens in a new window Service contracts (also commonly called extended warranties) may be cancelled under certain conditions. | Texas | Section 1304.1581 of the Texas Occupations Code | service contract (extended warranty) | https://referencesource.org/state-consumer-cooling-off-periods/service-contract-extended-warranty-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | telephone-solicitation-purchase-credit-card-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 301.052 of the Texas Business & Commerce Code This link opens in a new window Goods or services purchased with a credit card from a telephone solicitor. | Texas | Section 301.052 of the Texas Business & Commerce Code | telephone solicitation purchase (credit card) | https://referencesource.org/state-consumer-cooling-off-periods/telephone-solicitation-purchase-credit-card-texas/ | [
"state",
"statute_citation"
] |
not specified | not specified on this page | not specified on this page | timeshare-purchase-texas | not specified on this page | https://guides.sll.texas.gov/right-to-cancel/general-information | Section 221.041 of the Texas Property Code This link opens in a new window Allows a purchaser to cancel a timeshare contract. | Texas | Section 221.041 of the Texas Property Code | timeshare purchase | https://referencesource.org/state-consumer-cooling-off-periods/timeshare-purchase-texas/ | [
"state",
"statute_citation"
] |
Consumer contract cooling-off and rescission periods by US state and transaction type
Canonical, always-current version: https://referencesource.org/state-consumer-cooling-off-periods/ Machine-readable: https://referencesource.org/state-consumer-cooling-off-periods/data.json — this mirror is a point-in-time copy.
- Last verified: 2026-08-16
- Stale after: 2027-08-16 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
- Records: 31
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'.
Provenance — what every record carries
Every record carries source (the URL the value was read from) and
source_quote (a verbatim quote from that page stating it). A value you
cannot check against its page is indistinguishable from an invented one;
these can all be checked. Each record is also individually addressable on
the canonical site at its url.
Licence position
US state government works — public domain. Federal FTC rule is US government work.
Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.
Sources
- https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429
- https://www.ag.state.mn.us/consumer/publications/CoolingOffPeriod.asp
- https://guides.sll.texas.gov/right-to-cancel/general-information
Fields
See any record in data/records.jsonl — field names are self-describing,
and the canonical page for each record renders them with labels:
https://referencesource.org/state-consumer-cooling-off-periods/
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