Category Archives: Regulatory

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.

See Who’s Coming to the 16th Annual Extended Warranty & Service Contract Innovations Conference!

250+ Warranty Executives Already Registered

www.warrantyinnovations.com

The only event where innovation meets impact in extended warranties and service contracts. Whether you are focused on vehicles, homes, appliances, electronics, mobile, or other specialty markets, this is where leaders gather to share the strategies that future-proof products and services. Meet 250+ executives to learn who’s doing what and how!

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Auto-Renewal Laws: 2025 Round Up

State and federal regulation updates: States such as Minnesota, Utah, and California have tightened rules on automatic renewals for service contracts, requiring clearer consent and consumer notices. Meanwhile, Florida mandates specific disclosures and notifications.

Here is an excellent article from law firm Kelley Drye & Warren LLP on the fast-changing status of auto-renewal programs in the US

Full Article: https://www.kelleydrye.com/viewpoints/blogs/ad-law-access/auto-renewal-laws-2025-round-up

The 16th Annual Extended Warranty & Service Contract Innovations Conference

The 16th Annual Extended Warranty & Service Contract Innovations Conference https://www.warrantyinnovations.com/ returns to Chicago, hosted at the legendary Drake Hotel on October 27-28, 2025. 

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The Iowa Insurance Division Publishes Consumer Guidance on Service Contracts

The Iowa Insurance Division has published consumer guidance on service contracts (motor vehicle and residential), emphasizing the need to research providers, coverage limitations, and claim processes; awareness is recommended due to persistent marketing via calls and mailers.

The Iowa Insurance Division regulates two types of service contracts: motor vehicle and residential service contracts, also known as home warranties.  The article lists websites a consumer may use to confirm a seller is licensed.

Full Article: https://iid.iowa.gov/consumer-connection/2025-07-02/july-consumer-connection-service-contracts