State Law Guide · Updated January 2026
Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.
Maryland Extended Warranty Cancellation Guide
Under Maryland Service Contracts and Consumer Products Guaranty Act, Maryland gives you the right to cancel and receive refunds on F&I products. You have a 20 days free look period for full refunds. Dealers who fail to comply face Consumer Protection Act penalties — actual damages plus attorney fees.
Quick Answer
Cancellation rights in Maryland depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 20 days, you receive a full refund (minus up to $0 during free look fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $5,000.
Purchased F&I products in Maryland?
Check your rights under Maryland law
Key Maryland Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 20 days | Full refund within 20 days if no claims filed |
| Refund Deadline | 45 days | Refund must be processed within 45 days |
| Required Disclosures | Mandatory | Contract must disclose duration, terms, and cancellation provisions |
| Pro-Rata Refund | Required after free look | Entitled to unused portion after free look period |
| Consumer Protection | Active | Maryland Consumer Protection Act provides additional remedies |
Free Look Period
20 daysRefund Deadline
45 daysRequired Disclosures
MandatoryPro-Rata Refund
Required after free lookConsumer Protection
ActiveWhat Maryland Law Requires
Your Cancellation Rights
Under Maryland Service Contracts and Consumer Products Guaranty Act, some F&I products sold in Maryland may be cancellable or refundable, subject to their contract terms. During the free look period (20 days), you receive a full refund. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Timeline
Once you submit your request, the dealer or administrator has 45 days to respond. Failure to comply may result in Consumer Protection Act penalties — actual damages plus attorney fees.
Your contract may include cancellation rights that are easy to overlook. We identify the products, check the applicable terms and rules, and estimate what may be refundable.
A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.
How It Works
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See What You May Be Owed Under Maryland Law
Our tool checks Maryland Service Contracts and Consumer Products Guaranty Act and state-specific provisions against your paperwork for free — then generates a formal f&i product cancellation letter if you want one.
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State-Specific Citations
Maximum refund amounts
What you'll see before you decide
A document-specific answer, not a generic promise:
- The amount at issue, itemized
- The rules or contract terms that appear applicable
- What looks strong, weak, or needs more evidence
Free analysis first. The optional letter comes after you see the result.
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Check each charge and see an itemized estimate before deciding whether to buy a letter.
Frequently Asked Questions
Can I cancel my extended warranty in Maryland?
Yes. Under the Maryland Service Contracts and Consumer Products Guaranty Act, you can cancel within 20 days of receipt (or delivery) for a full refund if no claims were made. After that, you are entitled to a pro-rata refund.
How long does a Maryland dealer have to refund me?
Maryland law requires providers to refund the full purchase price within 45 days of cancellation during the free look period. After the free look, a pro-rata refund must also be processed within 45 days.
What disclosures are required in Maryland?
Service contracts must disclose duration, terms, purchase price, covered services, claims procedures, limitations, and cancellation provisions. All terms must be clearly stated in writing.
Where do I file a complaint in Maryland?
Contact the Maryland Attorney General Consumer Protection Division at (410) 528-8662 or toll-free at (888) 743-0023.
Maryland Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Maryland's laws compare to other states:
See What You May Be Owed in Maryland
Check your contract against Maryland cancellation rules and see which products appear refundable.
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Optional letter only if you act · Maryland Service Contracts and Consumer Products Guaranty Act