State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Maryland F&I Product Cancellation Rights
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
In Maryland, you can cancel dealer add-on products at any time. 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, Maryland consumers have the right to cancel F&I products purchased from dealers. 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.
The law is clear — these products are cancellable and refundable. But dealers count on you not knowing that. Upload your contract to see exactly what you're owed.
How It Works
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State-Specific Citations
Maximum refund amounts
"Paint sealant and key replacement coverage. Neither one worth the paper they were printed on. $725 refund."
— Columbia, MD
$29 to recover up to $1,100. That's a 37x return.
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:
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Average Maryland recovery: $1,100 · Based on Maryland Service Contracts and Consumer Products Guaranty Act