Category Archives: Regulatory

The California AB 2905 Trap: Why Mandatory AI Disclosures Are Driving a 40% Hang-Up Rate for ‘Full Bot’ Receptionists

California AB 2905 Forces a Choice: Lose the Lead or Break the Law

A homeowner calls about a $6,000 HVAC system replacement. The first thing they hear: “This call is handled by an artificial intelligence system.” They hang up. That is not a UX problem you can A/B test your way out of. Under California AB 2905, that disclaimer is a legal requirement — and it fires in the first three seconds of every covered call. AI voice agent compliance is no longer optional. For operators running full-bot inbound stacks in California, the law has already created a binary trap: comply and absorb the booking-rate damage, or skip the disclosure and face criminal liability.

Full Article: https://www.tradesly.ai/blog/ai-voice-agent-compliance-california-ab-2905

Right to Repair Legislation

A white paper from Meramec Secure® related to the national landscape on Right to Repair Legislation at the state level.

Right-to-repair legislation has emerged as a significant development in U.S. product regulation, consumer protection, and post-sale service markets. As of mid-2026, eight states have enacted broad consumer-electronics right-to-repair laws, with effective dates in effect or firmly scheduled: New York, California, Minnesota, Oregon, Colorado, Washington, Connecticut, and Texas. In parallel, other states have adopted narrower statutes addressing motor vehicles, agricultural equipment, and wheelchairs, while all fifty states have at least considered some form of right-to-repair proposal.

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Iowa Significantly Revises Service Contract Regulation

Effective January 1, 2027, a new Iowa law under HF2756 brings a comprehensive overhaul of Iowa’s regulation of service companies that offer motor vehicle and residential service contracts.  The law affects new licensing requirements, fees, disclosures, claims handling, and enforcement.

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Extended Warranty & Service Contract Industry Leaders to Gather in Chicago for Premier Innovations Conference

17th Annual Extended Warranty & Service Contract Innovations Conference Scheduled for October 7-9, 2026, at The Drake Hotel, Chicago

As AI, increasing consumer expectations, and evolving business models redefine the warranty and service contract marketplace, leaders from across the automotive, consumer electronics, home, appliance, retail, financial services, legal, and technology sectors will gather October 7-9, 2026, at The Drake Hotel in Chicago for the 17th Annual Extended Warranty & Service Contract Innovations Conference.  www.warrantyinnovations.com 

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Hawaii Bans Deceptive Warranty Mail and eMails

The bill, pending Governor Green’s signature, prohibits unsolicited mail or email that uses high-pressure tactics or is likely to make a consumer believe the sender is affiliated with someone it isn’t and is asking for money.

Full Article: https://natlawreview.com/article/hawaii-bans-deceptive-warranty-mail-and-emails-all-you-need-know-about-hb-1511

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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