{"data":{"id":"us-ri/r.i.-gen.-laws-6-28.1-3","jurisdiction":"us-ri","citation":"R.I. Gen. Laws § 6-28.1-3","heading":"Home solicitation.","body":"(a) The following unfair methods of competition and unfair or deceptive acts or practices undertaken by any person in a transaction intended to result or which results in the sale or lease of goods or services to any consumer are unlawful:\nThe home solicitation of a consumer who is a senior citizen where a loan is made encumbering the primary residence of that consumer for the purposes of paying for home improvements and where the transaction is part of a pattern or practice in violation of either subsection (h) or (i) of 15 U.S.C. § 1639 or subsection (e) of 12 CFR 226.32.\n(b) A third party shall not be liable under this section unless: (1) There was an agency relationship between the party who engaged in home solicitation and the third party; or (2) The third party had actual knowledge of or participated in the unfair or deceptive transaction. A third party who is a holder in due course under a home solicitation transaction shall not be liable under this section.","path":["Title 6 Commercial Law — General Regulatory Provisions","Chapter 28.1 Unfair Home Improvement Loans to Senior Citizens"],"source_url":"https://webserver.rilegislature.gov/Statutes/TITLE6/6-28.1/6-28.1-3.htm","current_through":"site files published 2025-08-13","vintage":"","retrieved_at":"2026-09-05T17:16:39Z","sha256":"e8c1d39c3c7c75b3fb82d7c2aa3101ac07955ca0c5733168bcbb71e54c4cc032","source_id":"us-ri","stale":true,"prev":"us-ri/r.i.-gen.-laws-6-28.1-2","next":"us-ri/r.i.-gen.-laws-6-28.1-4"},"notice":"GroundRules: Original legal text. Not legal advice."}