Are any types of consumer notices exempt?
Federal: Yes. The federal Act exempts these consumer notices: Default, acceleration, repossession, foreclosure or eviction, or a right to cure, under a rental agreement or a mortgage on a principal residence Cancellation or termination of health insurance or benefits, and of life insurance benefits (except annuities); Product recall or material failure of a product that risks endangering health and safety. 101(3)(b)(2) UETA: No. UETA leaves it to each state to decide what consumer law provisions, if any, should be exempted. It is unclear whether federal exemptions automatically apply in a state that has enacted UETA. To avoid questions, a state which enacts UETA should enact UETA exemptions to match the federal exemptions. Exemptions from UETA which match the federal exemptions are not preempted. Section 102(a)(1). Q: Does either statute contain a loophole which allows posting rather than sending of notices required by law? A: Federal: No. The federal statute defers to other law on whe
