{"data":{"id":"us-mo/mo.-rev.-stat.-407.2045","jurisdiction":"us-mo","citation":"Mo. Rev. Stat. § 407.2045","heading":"Debt waiver disclosure requirements.","body":"Debt waivers shall disclose in writing and in clear, understandable language that is easy to read the following:\n(1) The name and address of the initial creditor and the borrower at the time of sale, and the identity of any administrator if different from the creditor;\n(2) The purchase price, if any, and the terms of the debt waiver including, but not limited to, the requirements for protection, conditions, or exclusions associated with the debt waiver;\n(3) A statement that the borrower may cancel the debt waiver within a free-look period as specified in the debt waiver and, if so cancelled, shall be entitled to a full refund of the purchase price paid by the borrower, if any, so long as no benefits have been provided;\n(4) The procedure the borrower is required to follow, if any, to obtain debt waiver benefits under the terms and conditions of the debt waiver, including, if applicable, a telephone number or website and address where the borrower may apply for debt waiver benefits;\n(5) The terms and conditions governing cancellation consistent with all applicable Missouri laws; and\n(6) A statement that any extension of credit, terms of the credit, or terms of the related motor vehicle sale or lease shall not be conditioned upon the borrower's purchase of a debt waiver.","path":["Title XXVI - TRADE AND COMMERCE","Chapter 407 - Merchandising Practices"],"source_url":"https://revisor.mo.gov/main/OneSection.aspx?section=407.2045","current_through":"2026 legislative session (floor)","vintage":"","retrieved_at":"2026-09-03T22:23:28Z","sha256":"603c938fcf1ed3bed3621c8c991ef07952de84f1afb7e8a057e04d43bcf598f0","source_id":"us-mo","stale":false,"prev":"us-mo/mo.-rev.-stat.-407.2040","next":"us-mo/mo.-rev.-stat.-407.2050"},"notice":"GroundRules: Original legal text. Not legal advice."}