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Rent to Own State and Federal Regulations
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State = State Abbreviation
Feature = RTO Online has featured this state. Features offer a tremendous amount of information. If your state has been featured, follow the 'feature' link
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Links to State Statutes = Direct links to your states online statutes. These are outside links. Where possible, they take you directly to the RTO statute. Some states do not maintain online access to statutes
 
The following links are to State Statutes and "Proposed" Federal regulations  specifically pertaining to "Rental Purchase", We are making every effort to include all state statutes, but this list may be incomplete. Due diligence should be done by you in your state to insure compliance.
 

Click on your state or scroll through states alphabetically
AL
AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

 
Federal Regulations
Proposed Federal Legislation (H.R. 1701)
Consumer Rental Purchase Agreement Act
 
State Feature Printer
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Links to State Statutes
These links take you directly to the statute on the states website
AL

Feature

Alabama
Section 8-25-1 Definitions.
Section 8-25-2 Disclosures by merchant to consumer; inaccuracy due to acts, etc., after delivery; form of disclosure.
Section 8-25-3 Prohibited provisions.
Section 8-25-4 Reinstatement of agreement after failure to make timely payment.
Section 8-25-5 Required provisions in advertisements.
Section 8-25-6 Damages and fees recoverable for violations of chapter; nonliability where merchant discovers error, gives notice, and makes adjustments.
AK Feature Alaska 
AZ Feature Arizona
AR Feature Arkansas 
4-92-101. Title
4-92-102. Definitions
4-92-103. Liability of lessor
4-92-104. Agreement - Nature
4-92-105. Agreement - Provisions prohibited and required
4-92-106. Agreement - Reinstatement
4-92-107. Advertisements
CA Feature California
MORE:Legal Guide S-10 "RENT-TO-OWN TRANSACTIONS IN CALIFORNIA"
CO Feature Colorado
CT Feature Connecticut
Extra-Bill Analysis
DE     Delaware
7601. Definitions.
7602. Inapplicability of other laws; exempted transactions.
7603. Disclosures.
7604. Form requirements.
7605. Blank spaces.
7606. Advertising.
7607. Lessee's reinstatement rights.
7608. Prohibited provisions.
7609. Early purchase option.
7610. Exempted transaction.
7611. Prohibited provisions in lease-purchase agreement as void.
7612. Receipts; acknowledgement of payment in full for ownership.
7613. Award of reasonable attorneys' fees and court costs to prevailing party.
7614. Waiver prohibited; severability.
7615. Penalties; grace period for compliance; limitation of liability.
7616. Enforcement.
DC District of Columbia
FL Feature Florida 
GA Feature Georgia
HI Feature Hawaii
HRS_481M.htm General
HRS_481M-1.htm Definitions
HRS_481M-2.htm Lease-purchase agreement defined
HRS_481M-3.htm Agreements exempt from other laws
HRS_481M-4.htm Provisions prohibited in agreements
HRS_481M-5.htm Limit on total lease payments
HRS_481M-6.htm Early termination
HRS_481M-7.htm Additional charges
HRS_481M-8.htm Assignee liability and notice ofassignment
HRS_481M-9.htm Unfair or deceptive acts or practices
HRS_481M-10.htm Remedies of lessee
HRS_481M-11.htm Unconscionability
HRS_481M-12.htm Waivers
HRS_481M-13.htm Disclosure of information
HRS_481M-14.htm Information required in disclosure
HRS_481M-15.htm Reinstatement of agreement and repossession
HRS_481M-16.htm Written receipts for cash or money order
HRS_481M-17.htm Renegotiation for new agreement and
HRS_481M-18.htm Advertisement of lease-purchase agreement
ID Feature Idaho
IDAHO LEASE-PURCHASE AGREEMENT ACT
Short Title
Definitions
Exempted Transactions
General requirements of disclosure
Disclosures
Prohibited Practices
Reinstatement
Receipts
Renegotiations
Advertising
Enforcement
IL Feature Illinois
IN Feature Indiana
IA Feature Iowa
537.3601  Short title.
537.3602  Purposes--rules of construction.
537.3603  Exclusions.
537.3604  General definitions.
537.3605  Disclosures.
537.3606  Form requirements.
537.3607  Receipts.
537.3608  Acquiring ownership.
537.3609  Renegotiation.
537.3610  Balloon payments prohibited.
537.3611  Prohibited charges.
537.3612  Additional charges.
537.3613  Reinstatement fees.
537.3614  Taxes and official fees.
537.3615  Advertising.
537.3616  Lessee's reinstatement rights.
537.3617  Unconscionability.
537.3618  Default.
537.3619  Cure of default.
537.3620  Willful and intentional violations.
537.3621  Damages.
537.3622  Effect of correction.
537.3623  Statute of limitations.
537.3624  Enforcement. 
KS Feature Kansas 
Title
Definitions
Lease-purchase agreements
Required disclosures
Required disclosures in agreement
Inapplicable provisions
Right to reinstate agreement
Written receipt required
Renegotiations
Advertisements
Unconscionable act or practice
KY Feature Kentucky (PDF)
976   Definitions for KRS 367.976 to 367.985.
367.977Necessary disclosures for rental-purchase agreement
.978   Form of disclosures -- Receipts for payments made by cash or money order.
.979   Prohibited provisions.
.980   Required provisions.
.981   Renegotiation of rental-purchase agreement.
.982   Advertisement for rental-purchase agreement.
.983   Civil remedies for consumers injured by violations of KRS 367.976 to 367.985.
.984   Limitation of actions.
.985   Effect of unintentional violation and timely adjustment of error.
LA Feature Louisiana Note: (LA site is notoriously unreliable)
RS 9:3351 Short title
RS 9:3352 Definitions
RS 9:3353 Inapplicability of other laws
RS 9:3354 General requirements of disclosure
RS 9:3355 Disclosures
RS 9:3356 Prohibited practices
RS 9:3357 Reinstatement
RS 9:3358 Receipts and accounts
RS 9:3359 Renegotiations and extensions
RS 9:3360 Advertising
RS 9:3361 Enforcement
RS 9:3362 Taxes Rental-purchase agreements

ME Feature Maine
Article XI RENTAL-PURCHASE PRACTICES
MD Feature Maryland
 
MA     Massachusetts
MI Feature Michigan
MN Feature Minnesota
325F.84 Definitions.
325F.85 Application of other law.
325F.86 Disclosures.
325F.87 Form requirements.
325F.88 Advertising.
325F.89 Default.
325F.90 Lessee's reinstatement rights.
325F.91 Prohibited practices.
325F.92 Lessor's communications concerning lessee.
325F.93 Early purchase option.
325F.94 Claims and defenses.
325F.95 Liability; liability damage waiver.
325F.96 Exempted transaction.
325F.97 Penalties and remedies.
MS Feature Mississippi
75-24-151.  Short title. 
75-24-153.  Definitions. 
75-24-155.  Applicability of other laws; inapplicability to particular leases. 
75-24-157.  Duties of lessors as to disclosure of information generally. 
75-24-159.  Items to be disclosed in rental-purchase agreements. 
75-24-161.  Provisions not permitted in rental-purchase agreements. 
75-24-163.  Reinstatement of rental agreements after failure to make timely payment; repossession of property during reinstatement period. 
75-24-165.  Written receipts for payments. 
75-24-167.  Renogotiation of rental-purchase agreements. 
75-24-169.  Advertisement of rental-purchase agreements. 
75-24-171.  Liability of lessors for violations generally; availability of offsets; nature of remedies; limitation period. 
75-24-173.  Liability of lessors for unintentional violations or bona fide errors; effect of notification and adjustment of errors by lessors. 
75-24-175.  Signature of provisions of agreements by lessees. 
   
MO Feature Missouri
407.660  Short Title
407.661 Definitions407.662 Prohibited provisions and Required provisions
407.663 Advertisement
407.664 Reinstatement of agreement
407.665
Violations, penalties
MT Feature Montana
NE Nebraska
NV     Nevada
Chapter_597  (Lease purchase agreements) Miscellaneous Trade Regulations and Prohibited Acts
NH Feature New Hampshire
Section 358-P:1 Short Title
Section 358-P:2 Definitions
Section 358-P:3 General Requirements of Disclosure
Section 358-P:4 Disclosures
Section 358-P:5 Advertising
Section 358-P:6 Inapplicability of Other Laws; Exempted Transactions
Section 358-P:7 Prohibited Practices
Section 358-P:8 Reinstatement
Section 358-P:9 Receipts
Section 358-P:10 Renegotiations and Extensions
Section 358-P:11 Enforcement; Penalties
Section
358-P:12 Rent-to-Own Dealer's Defenses
NJ     New Jersey +
NM Feature New Mexico
57-26-1. Short title.
57-26-2. Definitions
57-26-3. Exempted transactions; relationship to other laws
57-26-4. General requirements of rental-purchase agreements
57-26-5. Disclosures
57-26-6. Prohibited provisions
57-26-7. Reinstatement
57-26-8. Receipts
57-26-9. Renegotiations and extensions
57-26-10. Advertising
57-26-11. Enforcement; remedies; limitations
57-26-12. Lessor's defenses
 
NY Feature New York
NC     North Carolina
ND     North Dakota
OH Feature Ohio
Lease Purchase Act
More
OK     Oklahoma  Follow this link and continue through each section by clicking "next" (59-1950 through 59-1957)
OR     Oregon (click on the link and scroll down to the appropriate section)
ORS 646.245 through 646.259
Penalty Section ORS 646.608
PA Feature Pennsylvania
RI     Rhode Island Click HERE for index or below for individual sections
6-44-1 Short title.
6-44-2 Definitions.
6-44-3 General requirements of disclosure.
6-44-4 Prohibited provisions.
6-44-5 Reinstatement.
6-44-6 Early purchase option.
6-44-7 Exempted transactions.
6-44-8 Advertisements.
6-44-9 Enforcement.
6-44-10 Severability.
SC Feature South Carolina
SD     South Dakota
54-6A-1.      Definitions.
54-6A-2.      Lease-purchase agreement defined.
54-6A-3.      Agreements exempt from other laws.
54-6A-4.      Disclosure of information.
54-6A-5.      Information required in disclosure.
54-6A-6.      Provisions prohibited in agreements.
54-6A-7.      Reinstatement of agreement -- Repossession.
54-6A-8.      Written receipts for cash or money order.
54-6A-9.      Renegotiation for new agreement -- Extensions.
54-6A-10.      Advertisement of lease-purchase agreement.
 
TN Feature Tennessee 
47-18-601 Short title.
47-18-602 Legislative findings and purpose.
47-18-603 Definitions.
47-18-604 Required disclosures.
47-18-605 Form of disclosures.
47-18-606 Prohibited terms of agreement.
47-18-607 Termination and reinstatement provisions.
47-18-608 Receipts for payments
47-18-609 Renegotiations - Extensions.
47-18-610 Advertisements.
47-18-611 Civil liability.
47-18-612 Limitation of actions.
47-18-613 Liability - Good faith defenses.
47-18-614 Criminal Liability
TX Feature Texas
35.71. Definitions
35.72. Form
35.73. Advertisement
35.74. Enforcement
UT     Utah
15-8-1    Short title.
15-8-2    Purpose -- Rules of construction.
15-8-3    Definitions.
15-8-4    Inapplicability of other laws -- Exempted transactions.
15-8-5    General requirements of disclosure.
15-8-6    Disclosures.
15-8-7    Prohibited practices.
15-8-8    Reinstatement.
15-8-9    Receipts and accounts.
15-8-10    Renegotiations and extensions.
15-8-11    Enforcement -- Penalties.
15-8-12    Lessor's defenses.
VT Vermont
VA Feature Virginia
59.1-207.17 Title
59.1-207.18 Definitions
59.1-207.19 Inapplicability of other laws; exempted transactio...
59.1-207.20 General requirements of disclosure
59.1-207.21 Disclosures
59.1-207.22 Prohibited practices
59.1-207.23 Reinstatement
59.1-207.24 Receipts and accounts
59.1-207.25 Renegotiations and extensions
59.1-207.26 Advertising
59.1-207.27 Enforcement; penalties
WA     Washington
WV Feature West Virginia
WI Wisconsin
Proposed NOTE: This legislation was VETOED
WY Wyoming