State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Michigan F&I Product Cancellation Rights
Under Michigan Consumer Protection Act, Michigan gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Actual damages or $250 (whichever is greater) plus attorney fees.
Quick Answer
In Michigan, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $6,500.
Purchased F&I products in Michigan?
Check your rights under Michigan law
Key Michigan Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Protection | Active (MCL 445.903) | Deceptive practices in warranty sales are prohibited |
| Cooling Off Period | 3 business days (home solicitation) | Can cancel purchases over $500 made outside seller's place of business |
| Pro-Rata Refund | Per contract | Entitled to unused portion per contract terms |
| Minimum Damages | $250 | Minimum $250 in damages for violations, even without actual loss |
| AG Enforcement | Active | Michigan AG Consumer Protection Division investigates |
Consumer Protection
Active (MCL 445.903)Cooling Off Period
3 business days (home solicitation)Pro-Rata Refund
Per contractMinimum Damages
$250AG Enforcement
ActiveWhat Michigan Law Requires
Your Cancellation Rights
Under Michigan Consumer Protection Act, Michigan consumers have the right to cancel F&I products purchased from dealers. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
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
"Rust protection and fabric sealant — neither one was worth it in the first place. Cancelled both for $640."
— Detroit, MI
$29 to recover up to $1,000. That's a 34x return.
Frequently Asked Questions
Can I cancel my extended warranty in Michigan?
Yes. Your service contract should include cancellation provisions. Under the Michigan Consumer Protection Act (MCL § 445.903), dealers cannot use deceptive practices regarding warranty sales or cancellations.
What penalties do Michigan dealers face for violations?
Under the Michigan Consumer Protection Act, consumers can recover actual damages or $250 (whichever is greater) plus attorney fees. The Michigan Attorney General can also pursue enforcement actions.
Does Michigan have a cooling-off period?
Michigan provides a 3-business-day cooling-off period for purchases of $500 or more made outside the seller's regular place of business. For in-dealership purchases, check your contract terms.
Where do I file a complaint in Michigan?
Contact the Michigan Attorney General Consumer Protection Division at (877) 765-8388. You can also file in small claims court for amounts up to $6,500.
Michigan 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 Michigan's laws compare to other states:
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Average Michigan recovery: $1,000 · Based on Michigan Consumer Protection Act