Scams & Consumer Issues in Kentucky

By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026

Key Kentucky Law

Kentucky Revised Statutes Section 367.170 (Kentucky Consumer Protection Act)

Kentucky's Consumer Protection Act declares unlawful any unfair, false, misleading, or deceptive acts or practices in the conduct of any trade or commerce.

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Procedural Details in Kentucky

Kentucky's Consumer Protection Act (KRS Chapter 367) provides a private right of action under KRS 367.220. Consumers may recover actual damages or $200 (whichever is greater) plus reasonable attorney fees. For willful violations, courts may award treble damages up to three times actual damages. The statute of limitations is two years from discovery of the violation. The Kentucky AG has broad enforcement authority and may seek injunctions, restitution, and civil penalties up to $2,000 per violation. Kentucky requires residential contractors to register with the Department of Housing, Buildings and Construction under KRS 198B. Home improvement contractors performing work over $1,000 must hold a registration. Kentucky's Home Service Contract laws also protect consumers who purchase extended warranties or service agreements on appliances and home systems.

Kentucky Agencies & Resources

Kentucky Attorney General — Consumer Protection Division

Enforces the Kentucky Consumer Protection Act and accepts consumer fraud complaints.

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Kentucky Department of Housing, Buildings and Construction

Registers residential contractors in Kentucky; handles contractor fraud complaints.

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Frequently Asked Questions

What damages can I recover for consumer fraud in Kentucky?

Under KRS 367.220, consumers may recover actual damages or $200 (whichever is greater) plus attorney fees. For willful violations, courts may award up to three times actual damages.

What is the statute of limitations for Kentucky consumer fraud claims?

Two years from the date you discovered the unfair or deceptive act under KRS 367.220.

Does Kentucky require home improvement contractors to register?

Yes. Kentucky requires residential contractors to register under KRS 198B. Contractors performing home improvement work over $1,000 must hold a registration from the Department of Housing, Buildings and Construction.

How do I report consumer fraud in Kentucky?

File a complaint with the Kentucky Attorney General's Consumer Protection Division at ag.ky.gov/consumer. The AG may take enforcement action against businesses with a pattern of deceptive practices.

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