State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Montana F&I Product Cancellation Rights
Under Montana Unfair Trade Practices and Consumer Protection Act, Montana gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Actual damages plus attorney fees; AG enforcement.
Quick Answer
In Montana, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $7,000.
Purchased F&I products in Montana?
Check your rights under Montana law
Key Montana Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Service Contract Regulation | Active (MCA 30-14-1301) | Service contracts specifically regulated under state law |
| Required Disclosures | Mandatory (MCA 30-14-1304) | Contract must disclose all obligations and cancellation terms |
| Cancellation Notice | Required | Cancellation notice must state effective date and reason |
| Pro-Rata Refund | Per contract | Entitled to unused portion per contract terms |
| Telephone Sale Cancellation | Anytime with 10-day refund | Can cancel phone sales anytime; refund within 10 business days |
Service Contract Regulation
Active (MCA 30-14-1301)Required Disclosures
Mandatory (MCA 30-14-1304)Cancellation Notice
RequiredPro-Rata Refund
Per contractTelephone Sale Cancellation
Anytime with 10-day refundWhat Montana Law Requires
Your Cancellation Rights
Under Montana Unfair Trade Practices and Consumer Protection Act, Montana 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
"GAP insurance made no sense after my down payment — I was never upside down. Cancelled and $1,375 went right to my loan."
— Flathead Valley, MT
$29 to recover up to $950. That's a 32x return.
Frequently Asked Questions
Can I cancel my extended warranty in Montana?
Yes. Under MCA § 30-14-1301 et seq., service contracts must include cancellation provisions. Your contract should specify the terms and any notice must include the effective date and reason for cancellation.
What disclosures are required in Montana?
Under MCA § 30-14-1304, service contracts must set forth all obligations and duties of the holder, including duty to protect against further damage and any owner's manual requirements.
Can I cancel a warranty purchased over the phone in Montana?
Yes. Montana law allows you to cancel telephone sales at any time, and the seller must return payments within 10 business days of receiving your written cancellation notice.
Where do I file a complaint in Montana?
Contact the Montana Attorney General Consumer Protection Office at (406) 444-4500 or toll-free at (800) 481-6896.
Montana 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
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Average Montana recovery: $950 · Based on Montana Unfair Trade Practices and Consumer Protection Act