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

This law strengthens protections for Kentucky homeowners and insurance policyholders against dishonest practices by contractors, particularly after natural disasters or states of emergency. It sets new rules for how contractors must disclose information before signing contracts, bans certain deceptive marketing and financial arrangements, and makes some violations a criminal offense. It also gives the Attorney General new powers to register contractors working in disaster-affected areas and to investigate and prosecute insurance fraud connected to contractor activity. Who it may affect: homeowners and property owners, insurance policyholders, contractors, and local governments in areas affected by declared states of emergency.

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