Consumer · Right to Cancel
Right to Cancel a Purchase in Kentucky
How long you have to cancel a door-to-door purchase in Kentucky, the longer windows for timeshares and other categories, and why there is no general three-day right to return a car. Cited to the statute.
When the cooling-off right applies in Kentucky
The door-to-door window, the categories with their own clocks, and the purchases that are not covered.
| When it applies | What it means |
|---|---|
| Three business days after signing | The buyer may cancel until midnight of the third business day after signing, under KRS 367.420(1). Cancellation is by written notice to the address in the agreement, effective on mailing. |
| Ten business days for a home-secured loan | Where the sale is a loan taking a security interest in your principal dwelling, you get ten business days, running from the later of loan consummation or delivery of the TILA disclosures, under KRS 367.420(6). |
| 25 dollar floor, residence only | A 25 dollar minimum applies since July 15, 2024, under KRS 367.450(4)(b). The right is residence-only, so a hotel-seminar or workplace sale falls outside KRS 367.410. |
| No fee for work already done | If the seller performed services before cancellation, it is entitled to no compensation, under KRS 367.450(3). Kentucky allows no cancellation-fee offset either. Goods are yours if unclaimed, with forty days presumed reasonable. |
| When there is no right | What it means |
|---|---|
| Insurance and insurance-affiliate warranties | Since July 2024, any insurance sale is excluded, and so are product service contracts where the seller is or is affiliated with an insurance-regulated person, under KRS 367.450(4)(b). |
| Store and buyer-initiated phone sales | Sales after prior negotiations, sales at a fixed business location, and telephone sales you initiated are excluded, along with anything under 25 dollars. |
| Emergency with a substantial start | Under KRS 367.420(5) there is no cancellation where you requested emergency performance, the seller in good faith substantially began, and the goods cannot be returned in substantially as good condition. |
What you can do right now
Concrete, neutral steps to cancel a covered purchase in Kentucky. This is consumer information, not legal advice.
- Check whether a lien touched your home
If the deal put a security interest on your principal dwelling, you have ten business days, not three, under KRS 367.420(6). Do not assume the shorter window applies.
- Cancel in writing within the window
Send written cancellation to the address in the agreement by midnight of the third business day. Mailed notice counts on deposit.
- If you got no notice, you can cancel any time
Until the seller gives the "BUYER'S RIGHT TO CANCEL" notice, you may cancel by any means, under KRS 367.430(3). There is no deadline until then.
- Complain if a valid cancellation is refused
File a complaint with the Kentucky Office of the Attorney General, Consumer Protection.
If a seller refuses a timely, valid cancellation, a state consumer-protection office can take your complaint and enforce the cooling-off rules.
→ Kentucky Attorney General · Consumer ProtectionThis is general consumer information, not legal advice. The category, the notice, and the deadline all matter, so confirm your right against the statute and use the complaint route if a valid cancellation is refused.
What Kentucky buyers get wrong about cancelling
Kentucky quietly changed its cooling-off law in July 2024, and the change is easy to miss. Under KRS 367.420 you can cancel a home solicitation sale until midnight of the third business day after signing, and you get ten business days instead if the deal put a security interest on your principal dwelling. What most online summaries have not caught up with is the new 25 dollar minimum, added effective July 15, 2024, and buried not in the definition but in the application subsection at the very end, KRS 367.450(4)(b)(1). The same 2024 act carved out insurance sales and product service contracts sold by insurance-affiliated sellers, which narrows the right for home-warranty pitches at your kitchen table. Kentucky is residence-only, so a sale at a hotel presentation or your workplace gets nothing from the state statute and must rely on the federal rule. Where the statute applies it is generous on the back end: if the seller performed services before you cancel, it is entitled to no compensation, and Kentucky allows no cancellation fee either.
Common questions
Kentucky used to have no minimum purchase amount. Does it now?
Yes. A 25 dollar minimum was added by KRS 367.450(4)(b)(1) effective July 15, 2024. A purchase under 25 dollars has no state cooling-off right, so older guides saying there is no threshold are out of date.
The roofer already tore off half my shingles before I cancelled. Do I have to pay?
No. Under KRS 367.450(3), if the seller performed services before cancellation it is entitled to no compensation, and Kentucky allows no cancellation fee.
The salesperson gave me no cancellation notice. How long do I have?
Indefinitely until they comply. Under KRS 367.430(3), until the seller gives the required notice you may cancel by any means at any time.
Someone sold me an insurance-affiliated home warranty at my door. Am I covered?
Probably not since July 2024. KRS 367.450(4)(b) excludes insurance sales and product service contracts sold by insurance-affiliated sellers. Fall back on the federal FTC rule.
Not legal advicePlainStatute provides plain-language summaries of public law for general information only. This is not legal advice. Statutes change; always confirm current requirements with the official source linked above before acting.