Category Archives: Regulatory

UPDATED: Vehicle Value Protection Agreements (VVPAs) Gain Explicit Authorization Across Multiple States

As an update to the previous article below, Kentucky has now passed a New Vehicle Financial Protection Product Law that includes Vehicle Financial Protection Products and Vehicle Value Protection Agreements.

Read a great new article on the New Kentucky Law from Troutman Pepper Locke: https://www.consumerfinancialserviceslawmonitor.com/2026/04/kentucky-passed-a-new-vehicle-financial-protection-product-law/

Meramec Secure® has experience in supporting VVPA and other financial products for its clients, bringing together regulatory expertise, underwriting solutions, actuarial support, claims administration, and technology solutions.

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The landscape for Vehicle Value Protection Agreements (VVPAs) in the United States is rapidly maturing, with a growing number of states enacting statutes that explicitly authorize the sale of these innovative financial protection products.

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The 5th Annual Warranty & Service Contract Innovations for Vehicle, Home, Smart Products & Consumer Goods

Warranty and service contract executives will get more than just presentations at The 5th Annual Warranty & Service Contract Innovations for Vehicle, Home, Smart Products & Consumer Goods,  www.globalwarrantyinnovations.com scheduled for April 28–29, 2026, at the Hyatt Regency Orlando — they’ll experience powerful networking during a fast-paced, insight-driven program designed to spark ideas, share solutions, and spotlight exactly where this rapidly evolving market is headed next.

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Florida Service Contract Statutes and Auto‑Renewal

For service contract sellers and providers in Florida, it is important to review Section 501.165 of the Florida Statutes if you offer programs that automatically renew consumer service contracts.

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What are the Three Viable Options for an OEM or Retailer Service Contract Program

For a new program, there are three basic options for structure and approach. Each option includes many details, and this summary provides a high-level overview of those options.

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2026 Guide: Comprehensive Insurance Solutions for Guarantees, Warranties, and other Specialty Insurance Programs

Originally Published: February 17, 2026

Executive Summary

Meramec Secure® provides end-to-end insurance solutions that help companies find the right insurance products, structure compliant programs, and deliver absolute protection to end clients. With over 25 years of industry expertise, we guide retailers, manufacturers, InsurTech companies, FinTech platforms, and service providers through the complete lifecycle of insurance-backed guarantee and warranty programs—from initial assessment to implementation and ongoing client protection.

The Meramec Secure® Advantage

In today’s competitive marketplace, companies make bold promises through warranties, guarantees, and service level agreements. However, sophisticated clients want to know: “Who backs these promises?” The market is littered with companies that offered incredible guarantees but went out of business, leaving customers without recourse. Meramec Secure® provides the answer. Our platform enables companies to differentiate themselves by demonstrating real financial backing for their commitments, building customer confidence, and gaining a competitive advantage.

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home real estate

Choice Home Warranty to pay Arizona $11.8M in consumer fraud case

Arizona Attorney General Kris Mayes announced Tuesday what she called the biggest settlement ever reached against a home warranty company in state history.

Full Article: https://www.12news.com/article/news/local/arizona/thousands-of-arizonans-may-be-eligible-for-refund-after-12-million-settlement-choice-home-warranty/75-acc24b82-24eb-47d8-857a-994f963c5e7c

Retailers face extended warranty obligations under Quebec law

Québec’s new regulation sets fixed durations for a statutory warranty of good working order covering major appliances and consumer electronics.

Full Article: https://www.retail-insight-network.com/news/retailers-face-extended-warranty-obligations-under-quebec-law/

New Georgia law strengthens HVAC warranty protections for homeowners and buyers

A new Georgia law is changing how HVAC warranties work, giving homeowners and future buyers stronger protections and fewer surprises when costly repairs are needed.

Full Article: https://www.cbsnews.com/atlanta/news/new-georgia-law-hvac-warranty-protections-homeowners-buyers/

FCC Delays the TCPA’s ‘Revoke All’ Rule until January 31, 2027

The FCC has delayed the effective date of the ‘Revoke All’ rule under the Telephone Consumer Protection Act to January 31, 2027.

The Revoke All rule requires that, if a called party uses any reasonable method to revoke consent under the TCPA, such consent is deemed fully revoked. This means the caller may not send additional robocalls or robotexts unless an exemption applies.

The full article is available from the link below. If you are advertising, marketing, or selling service contracts (or other products/services) directly to consumers, you should read this article from Mac Murray & Shuster LLP, a leading expert in these areas.

Full Article: https://mslawgroup.com/delayed-again-fcc-pushes-back-tcpas-revoke-all-rule-to-january-31-2027/

Delaware Service Contract Bill Signed into Law

Delaware’s H 106 exempts service contracts and related products from insurance laws, defining scope and allowable incidental indemnities (e.g., towing, rental).

The bill states, “The offering, sale, or issuance of a service contract, vehicle theft protection product warranty, or maintenance agreement shall not be considered insurance or subject to the insurance laws of this state unless made expressly applicable thereto.”

Click here for the full text of H 106.