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This guide discusses state laws which provide a right to cancel certain consumer contracts or return purchases.
Last Updated: Oct 27, 2014 URL: http://guides.sll.texas.gov/right-to-cancel Print Guide RSS Updates
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Resources at the State Law Library

Below are some of the library resources that can provide further guidance on this topic.  The Texas State Law Library has many other resources in addition to the highlights we present below.  Please contact us at (512) 463-1722 if you have any questions about these materials. 

Cover Art
Know your rights! - Richard M. Alderman
Call Number: KFT 387 A4 2010
ISBN: 9781589795235
Publication Date: 2010
Richard Alderman is a University of Houston law professor who answers legal questions on the website The People's Lawyer. This book is a compilation of some of the more popular questions and their plain English answers.

About This Guide

A statutory right to cancel a contract or return a purchase because you change your mind is NOT the norm in Texas.  State law grants a "right of rescission" or "cooling off" period in only a few specific instances. If you do not see a statute that governs your particular situation, you may be bound by your agreement with the seller. Consult an attorney for more information about your right to cancel a contract or purchase. 

Texas Laws

Below you will find references to the Texas laws that govern the right to cancel certain consumer contracts.  If you find these statutes difficult to understand, you may want to look at the "plain English" resources on this page or speak to an attorney.  

Federal Regulations

Below you will find references to some of the federal laws that govern common consumer purchases.  If you find these statutes difficult to understand, you may want to look at the "plain English" resources on this page or speak to an attorney.  

  • 12 CFR 226.23
    This regulation from the Federal Reserve Board is part of the Truth in Lending Regulation Z. It provides for the cancellation information for extensions of credit which will place a lien on the homestead.
  • 16 CFR 429.1
    This regulation from the Federal Trade Commission discusses notice of cancellation for door-to-door purchases.

Explained in "Plain English"

Because Texas and federal law may not be easy to understand, below you'll find a collection of resources that help to explain the law in "plain English."

 

Legal Research Guides from the Texas State Law Library

The Texas State Law Library reference librarians have compiled legal research guides for specific areas of the law. These guides contain resources that can help you research a legal issue. The American Association of Law Libraries has a guide for Non-Lawyers on How to Research a Legal Problem. If you have any questions, please contact us at (512) 463-1722 or at library@sll.texas.gov.

Important:

The information provided on this page has been prepared for general information purposes only and should not be construed as, nor substituted for, legal advice. It is strongly recommended that you contact an attorney for advice specific to your fact situation. Your local bar association or the State Bar of Texas Lawyer Referral Information Service (1-800-252-9690) can assist you with locating an attorney.

Some of the electronic resources we refer to in this guide may be in PDF format. Adobe Reader or similar software is required to view PDFs.
 

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