Scams & Consumer Issues in Tennessee

Tennessee's Consumer Protection Act (TCPA, TCA Section 47-18-101 et seq.) provides a private right of action under TCA Section 47-18-109. Consumers who suffer an ascertainable loss may recover actual damages and, for willful violations, up to three times actual damages. Attorney fees are available in some circumstances. The statute of limitations is one year from when the consumer knew or should have known of the unfair act under TCA Section 47-18-110 — one of the shorter periods nationally. The Tennessee AG enforces the Act and may seek civil penalties up to $10,000 per violation and injunctions. Tennessee requires home improvement contractors performing work with a total cost of $25,000 or more to be licensed by the Tennessee Board for Licensing Contractors. Smaller residential projects may not require state licensing, though local licensing requirements apply.