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

Amend KRS 367.620 to exclude certain activity from the definition of "goods or services relating to real estate"; amend KRS 367.624 to require contractors to furnish a notice relating to assignment of benefits prior to entering into a real estate goods or services contract; amend KRS 367.626 to prohibit requiring a person to pay a cancellation fee or any other fee contained in a contract that is not enforceable against the person; amend KRS 367.628…

Administrative Regulations and Proceedings Attorney General Consumer Protection Contracts Crimes and Punishments Disasters And Recovery Efforts Insurance Local Government Real Estate Trade Practices and Retailing Corrections Impact Local Mandate

In effect since July 15, 2026

Acts from the 2026 Regular Session that don't carry an emergency clause or set their own effective date took effect 90 days after the session adjourned (Ky. Constitution § 55).

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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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