Scams & Consumer Issues in Missouri

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

Key Missouri Law

Missouri Revised Statutes Section 407.020 (Missouri Merchandising Practices Act)

Missouri's Merchandising Practices Act (MMPA) broadly prohibits deception, fraud, false pretense, misrepresentation, and unfair practice in connection with the sale or advertisement of merchandise in trade or commerce.

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Procedural Details in Missouri

Missouri's MMPA (RSMo Section 407.010 et seq.) is notable for its breadth and private right of action. Under RSMo Section 407.025, consumers who suffer an ascertainable loss may sue and recover actual damages plus punitive damages and attorney fees. Missouri courts have held that the MMPA is broader than federal FTC standards and does not require proof of scienter (intent) for some violations. However, 2020 amendments to the MMPA added requirements that make claims somewhat harder to bring, including requiring that losses be "out of pocket" and limiting recovery for intangible harms. The statute of limitations is five years under RSMo Section 516.120. The Missouri AG enforces the MMPA and may seek civil penalties, injunctions, and restitution. Missouri requires electrical, plumbing, and HVAC contractors to be licensed through relevant state boards, but there is no comprehensive statewide residential general contractor licensing program.

Missouri Agencies & Resources

Missouri Attorney General — Consumer Protection Division

Enforces the Missouri Merchandising Practices Act and accepts consumer fraud complaints.

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Missouri Division of Professional Registration

Licenses specialty contractors including electricians and plumbers in Missouri.

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Frequently Asked Questions

What is distinctive about Missouri's Merchandising Practices Act?

Missouri's MMPA is broadly written and historically plaintiff-friendly. It does not require proof of intent for many violations and provides for punitive damages and attorney fees. However, 2020 amendments added requirements that consumers show "out-of-pocket" losses, which may limit recovery for some types of deception.

What is the statute of limitations for MMPA claims in Missouri?

Five years from the date of the deceptive act under RSMo Section 516.120.

Does Missouri require general contractor licensing?

Missouri does not have a comprehensive statewide residential general contractor licensing program. Electrical, plumbing, and HVAC contractors must hold state or local licenses. Many municipalities (St. Louis, Kansas City) impose local contractor registration requirements.

What remedies are available under the MMPA?

Actual damages, punitive damages, and attorney fees for prevailing consumers. The Missouri AG may also seek civil penalties, injunctions, and restitution through separate enforcement proceedings.

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