State Law Guide
Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.
Tennessee Extended Warranty Cancellation Guide
Under Tennessee Consumer Protection Act of 1977, Tennessee gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face A Class B misdemeanor for unfair or deceptive acts (Tenn. Code Ann. § 47-18-104(a)) and, in a private action over a practice listed in § 47-18-104(b), actual damages, up to three times actual damages for a willful or knowing violation, and reasonable attorney's fees and costs (§ 47-18-109(a)(1), (a)(3), (e)(1)).
Quick Answer
Cancellation rights in Tennessee depend on the product and contract. Upload yours to see which add-ons appear cancellable. You can sue in Small Claims Court for up to $25,000.
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Check your rights under Tennessee law
Key Tennessee Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Protection | Active (TCA 47-18-104) | Unfair or deceptive acts in trade or commerce are unlawful; a private suit must rest on a practice listed in § 47-18-104(b), because the catch-all in (b)(27) is enforced only by the Attorney General |
| Treble Damages | Discretionary (TCA 47-18-109(a)(3)) | The court may award up to three times actual damages for a willful or knowing violation, plus reasonable attorney's fees and costs (§ 47-18-109(e)(1)) |
| Criminal Penalties | Class B misdemeanor (TCA 47-18-104(a)) | Unfair or deceptive acts or practices affecting trade or commerce are Class B misdemeanors |
| Small Claims Access | $25,000 limit (TCA 16-15-501(d)(1)) | General sessions courts hear civil claims up to $25,000, not counting attorney fees and court costs |
Consumer Protection
Active (TCA 47-18-104)Treble Damages
Discretionary (TCA 47-18-109(a)(3))Criminal Penalties
Class B misdemeanor (TCA 47-18-104(a))Small Claims Access
$25,000 limit (TCA 16-15-501(d)(1))What Tennessee Law Requires
Your Cancellation Rights
Under Tennessee Consumer Protection Act of 1977, some F&I products sold in Tennessee may be cancellable or refundable, subject to their contract terms. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
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 Tennessee Law
Our tool checks Tennessee Consumer Protection Act of 1977 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
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Frequently Asked Questions
Can I cancel my extended warranty in Tennessee?
Yes. Your service contract should include cancellation provisions. Tennessee's Consumer Protection Act (TCA § 47-18-101) provides strong protections including treble damages and criminal penalties for unfair or deceptive practices.
What makes Tennessee unique for warranty disputes?
Tennessee general sessions courts hear civil claims up to $25,000 (Tenn. Code Ann. § 16-15-501(d)(1)), and a court may award up to three times actual damages for a willful or knowing violation of the Consumer Protection Act (§ 47-18-109(a)(3)). Unfair or deceptive acts are also Class B misdemeanors (§ 47-18-104(a)).
Does Tennessee require online cancellation options?
Only for automatic-renewal or continuous-service offers accepted online, which must be cancellable online (Tenn. Code Ann. § 47-18-133(c)). That section does not apply to service contract providers (§ 47-18-133(e)(7)), so it generally will not cover an extended warranty; follow your contract's cancellation terms.
Where do I file a complaint in Tennessee?
Contact the Tennessee Attorney General Consumer Protection Division at (615) 741-4737 or the Tennessee Division of Consumer Affairs at (800) 342-8385.
Tennessee 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 Tennessee's laws compare to its neighbors and other states:
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20-day free look · 10% of the unearned pro-rata purchase price max fee
· Varies by contract max fee
20-day free look · 10% of gross provider fee max fee
20-day free look · $50 administrative fee max fee
· 10% of pro-rata refund max fee
· Varies by contract max fee
30-day free look · $50 max fee
· Varies by contract max fee
Guides
See What You May Be Owed in Tennessee
Check your contract against Tennessee cancellation rules and see which products appear refundable.
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Optional letter only if you act · Tennessee Consumer Protection Act of 1977