State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Mississippi F&I Product Cancellation Rights
Under Mississippi Consumer Protection Act, Mississippi gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Actual damages plus AG enforcement actions.
Quick Answer
In Mississippi, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $3,500.
Purchased F&I products in Mississippi?
Check your rights under Mississippi law
Key Mississippi Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Protection | Active (§ 75-24-1) | Service contracts subject to Consumer Protection Act |
| Service Contract Regulation | Miss. Code § 75-24-91 | Service contracts specifically regulated under consumer protection |
| Pro-Rata Refund | Per contract | Entitled to unused portion per contract terms |
| Written Disclosures | Required | All warranty terms must be in writing |
| AG Enforcement | Active | Mississippi AG Consumer Protection Division investigates |
Consumer Protection
Active (§ 75-24-1)Service Contract Regulation
Miss. Code § 75-24-91Pro-Rata Refund
Per contractWritten Disclosures
RequiredAG Enforcement
ActiveWhat Mississippi Law Requires
Your Cancellation Rights
Under Mississippi Consumer Protection Act, Mississippi 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
"Extended warranty and key replacement plan. Neither one made sense for a used car. $1,125 refund."
— Madison, MS
$29 to recover up to $850. That's a 29x return.
Frequently Asked Questions
Can I cancel my extended warranty in Mississippi?
Yes. Under Mississippi Code § 75-24-91, service contracts are subject to the Mississippi Consumer Protection Act. Your contract should include cancellation provisions. Contact the provider to initiate cancellation per your contract terms.
Does Mississippi have a specific service contract statute?
Yes. Mississippi Code § 75-24-91 specifically addresses service contracts and subjects them to the Consumer Protection Act. Providers must comply with disclosure requirements and fair practices.
What if a Mississippi dealer uses deceptive practices?
Under the Mississippi Consumer Protection Act, deceptive trade practices are prohibited. You can file a complaint with the Mississippi Attorney General's Consumer Protection Division for investigation.
Where do I file a complaint in Mississippi?
Contact the Mississippi Attorney General Consumer Protection Division at (601) 359-4230 or toll-free at (800) 281-4418.
Mississippi 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 Mississippi's laws compare to other states:
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Average Mississippi recovery: $850 · Based on Mississippi Consumer Protection Act