KentuckySB 1532026 Regular SessionSenateWALLET

AN ACT relating to the prevention of harmful and fraudulent practices.

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Stronger rights on home repair contracts

Before you sign, the contractor must give contact details, a clear cancellation notice, and a detachable form. You can cancel within five business days after you receive written notice from your insurer. Contractors cannot take any payment until that window ends. If you cancel, they must return your money and deposits within 10 days; penalty or cancellation fees in the contract do not apply. Contractors cannot act as your insurance adjuster or claim insurer ties. If you are harmed, you can sue for twice your actual economic damages, and the Attorney General can seek $5,000 per violation.

Tougher rules on insurance-claim work

If insurance will pay for repairs, contractors cannot cause damage to raise a claim, rebate deductibles, pay you over $100, or file liens for insurer-paid amounts. Causing damage to boost a claim is a crime and can be first-degree criminal mischief. The law expands insurance-fraud crimes and scales penalties by claim size: $500–$9,999 (Class D felony), $10,000–$999,999 (Class C felony), $1,000,000+ (Class B felony). Victims get restitution equal to actual loss or twice the wrongdoer’s gain, and can recover investigation and court costs. The Attorney General can also investigate and prosecute these fraud offenses.

Emergency rules for disaster-area contractors

During a declared emergency that damages property, the Attorney General can require contractors in the area to register. To get a nontransferable certificate, you must provide liability insurance or a bond, workers’ comp proof, and business details. You must post and share proof of registration and avoid in-person solicitation for 90 days unless the owner invites you. If you follow the Attorney General’s registration rules, local governments cannot require another emergency license.

Sponsors & Cosponsors

Sponsor

Greg Elkins
Republican • Senate

Cosponsors

Amanda Mays Bledsoe
Republican • Senate
Aaron Reed
Republican • Senate
Brandon J. Storm
Republican • Senate
Jared Carpenter
Republican • Senate
Matthew Deneen
Republican • Senate
Matt Nunn
Republican • Senate
Rick Girdler
Republican • Senate
Robby Mills
Republican • Senate
Walker Thomas
Republican • House
Steve Rawlings
Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 128 • No: 0

House vote • 3/26/2026

3rd reading, passed

Yes: 90 • No: 0

Senate vote • 2/12/2026