Home improvement fraud is defined to include a number of related offenses, including the making of false or misleading statements to induce, encourage or solicit one to enter into a written or oral agreement for home improvement services, receiving advance payments for performing home improvement services and failing to perform or provide those services or materials when specified in the contract, with exceptions for force majeure or unforeseen labor strikes. v. Commonwealth, 58 Pa.Commw. :The Act applies to condominiums created after the Act's effective date (120 days from July 2, 1980). (1) "Documentary material" means the original or a copy of any book, record, report, memorandum, . Finally, the Act sets forth a number of prohibited acts which, though not necessarily constituting crimes, can result in the imposition of civil liability. The law requires that all contractors who perform at least $5,000 worth of home improvements per year register with the Attorney General's Office. 44-1521; Colo.Rev.Stat.Ann. You should place your registration number in a spot where consumers will be able to see it and read it clearly. Employees of apartment buildings, condominiums, and community associations who are performing work on the property within the scope of their employment with these businesses do not need to register. 689 (1975); Lovett, State Deceptive Trade Practice Legislation, 46 Tulane L.Rev. Pennsylvania's statutes of limitation are actual statutes located at 42 Pa.C.S.A. The Act also prohibits a contractor from changing the contract specifications without a written change order signed by both the owner and contractor. as being based on the Federal Trade Commission Act"); Commonwealth v. Flick, 33 Pa.Commw. Cunningham Packing v. Congress Financial Corp., 792 F.2d 330 (3rd Cir. Del Turco v. Peoples Home Savings Ass'n., 329 Pa.Super. 1941) (common law trademarks). The language of section 5527(6) of the Judicial Code, however, is clear and unambiguous[23] as to what period of limitation shall apply in such instances: "Any civil action or proceeding which is neither subject to another limitation specified in this subchapter nor excluded from the application of a period of limitation [must be commenced within six years]." This action arose in connection with the purchase by appellants of the property from appellee. For example: one of the parties to a simple loan transaction is sixteen years of age at the time that she loans fifty dollars to her friend who is nineteen. This would need to be pursued directly with a civil case. The contractor must provide proof of liability insurance covering personal injury in an amount not less than S50.000.00, and covering property damage caused by the work or the home improvement contractor in an amount not less than $50,000.00. (xvi). I was pleased with the results and would highly recommend his service to anyone seeking consumer help. 50-624(g); Ky.Rev.Stat. While the Act does not provide the Bureau of Consumer Protection with discretion to deny the issuance of a license to anyone who has paid the required S50.00 application fee and provided the required information, the Act does provide for public access to registration information (excluding Social Security number, drivers license number and other such confidential information) by a toll-free telephone number and by posting on the Bureaus internet website. Fasey Real Estate and Brian P. Cleere. Landscapers whose work is limited to services performed under Pennsylvanias Plant Pest Act do not need to register. . [16] Id. 201-1 et seq. (ii) The contract shall state: E.g., Southwest Sunsites, Inc., 3 Trade Reg.Rep. It must be noted that the definition of home improvement fraud is more extensive than noted above, but cannot be cited fully due to the confines of space. The law establishes a mandatory registration program for contractors who offer or perform home improvements in Pennsylvania. 2725(a). Statute coverage a. I am in your debt for this and will always be grateful for your service", 1500 John F Kennedy Blvd., Suite 1825 Philadelphia, PA 19102. [17] Consequently, the use of the standard employed by the trial court in the case at bar to select a limitations period threatens a multiplicity of potentially applicable statutes of repose for UTPCPL actions. Generally speaking a down payment of one-third of the total contract price or one-third plus the cost of special ordering materials is appropriate. Accord Best v. Hammill Quinlan Realty Co., Inc., 18 D. & C.3d 31 (Wash. 1980). Check or add your phone numbers to the Pennsylvania Do Not Call Registry. [u]pon a statute, for a penalty or forfeiture" was applicable. Click here for more information. These questions highlight key areas of the law, however, are not a complete explanation of the statute and is not a legal opinion. . . [21] Even if we were to conclude that all actions brought pursuant to the UTPCPL sounded in deceit or fraud, what with appellants' additional claims under UTPCPL the six-year "catchall" limitation of section 5527(6) would be applicable. Only the first 5 bills are included here. [4] This principle is, of course, subject to the qualification that an amendment may not add a new cause of action on which a particular statute of limitations has run. We find further support for our determination in the decisions of the courts of other states which have concluded likewise. However, if you do more than $5,000 worth of 'home improvement' work per year, you must register with the Attorney General's Office. 1986), held that the six-year "catchall" statute of limitations was applicable. (2) A waiver of Federal, State or local health, life, safety or building code requirements. The Act at Section 517.8 also makes home improvement fraud a criminal offense, punishable as either a felony of the third degree or a misdemeanor of the first degree, depending upon the nature of the violation and the amount involved. After this time passes, you may contest any lawsuit filed by a medical creditor on the grounds the original debt is . What Is a Pennsylvania Foreign Corporation? Retail businesses are not required to register unless the retailer offers or performs home improvements, which includes performing installations themselves or subcontracting installation work to others who will perform the services. In the case sub judice, *393 the trial court reasoned that such actions were governed by the two-year limitations period for actions for fraud and deceit: By contrast, a federal district court sitting in Pennsylvania applied a one-year limitation period to a trade disparagement claim brought under the UTPCPL. Contact and identifying information for the applicant, including information on any prior home improvement businesses operated by the applicant; For corporations and business entities, information on partners, officers, managers and other parties with an interest in the business; Information on other contractor licenses and registrations held by the applicant; A description of the applicants business; Background disclosures, including information on prior bankruptcies and criminal pleas or convictions; Insurance policy information showing at least $50,000 of personal injury liability coverage and $50,000 of property damage coverage (this is not related to contractor performance or quality of work); A signed and dated certification by the applicant; and. See Ariz.Rev.Stat.Ann. Home improvement contractor registrations are valid for two years, and must be renewed biennially. We suggest that you include the following language in your contracts, and display it prominently so your customers can review it: The official registration number of [contractor name] can be obtained from the Pennsylvania Office of Attorney Generals Bureau of Consumer Protection by calling toll-free within Pennsylvania 1-888-520-6680. (xiv). (xv) (misrepresentation) id. 2011 -2019.2 A powerful weapon; Used to protect consumers from "advertising, offering for sale, sale or distribution of any services and any property, tangible or intangible, real, The contract must set forth the entire agreement, including, among other things, the approximate start date and completion date, a complete description of the work to be performed, the total sales price due under the contract, and the amount of any down payment required plus any amount to be advanced for the purchase of special order materials. [5] Thus, although a claim under the UTPCPL brings forth a new cause of action, it also spawns a new statute of limitation period, to be discussed infra. [1] Appellants also filed on August 28, 1986 a writ of summons commencing a separate action pursuant to the Unfair Trade Practices and Consumer Protection Law so as to preserve their claim in the event their petition for leave to amend was denied. 73 P.S. . Political subdivisions in Pennsylvania cannot separately license or register home improvement contractors after July 1, 2009, with the limited exception of licensing standards that are in effect on July 1, 2009, with respect to electricians, plumbers and other trades where licensing is conditioned on requirements of testing or possession of certificates obtained through specific training in electricity, plumbing or other trades. The law allows for anyone who lost money or property due to businesses engaging in unjust practices to bring suit. Accordingly, the order of the *399 trial court is reversed and permission to amend the complaint is granted. Informs the consumer in writing that any cost beyond the contract price (initial cost estimate plus 10%) must be agreed to by the homeowner in a written change order. 1125(a) (reproduced footnote 6, supra). statute and other law Strong The statute does not contain any restrictions on class actions. Meanwhile, Pennsylvania home improvement contractors should consult with their legal counsel before July 1, 2009 to ensure that they are in compliance with the Act prior to its effective date. What should I do if my information changes after I register? You can explore additional available newsletters here. The operative provision of the Unfair Trade Practices and Consumer Protection Law provides: "Unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce . The statute of limitations may be held in abeyance or tolled by the incapacity of one of the parties. Commonwealth v. Monumental Properties, Inc., 459 Pa. 450, 462, 329 A.2d 812, 817-18 (1974) (the UPTCLP "has regularly been interpreted. 517.1 et. Pennsylvania's Home Improvement Consumer Protection Act ("HICPA" or the "Act") was enacted to protect consumers from the unfair trade practices and fraudulent activities of home improvement contractors. The Court resting its holding on several bases, including the modern and traditional conceptions of leasing, held: Id. 3 years for contracts2 years for torts. How should I list the Bureau of Consumer Protection's phone number in my contracts? 553, 559, 382 A.2d 762, 765 (1978). shaka wear graphic tees is candy digital publicly traded ellen lawson wife of ted lawson pennsylvania cash consumer protection act. Although it is not required by the law, you can more fully explain the meaning of the number to consumers in your advertisements and in contracts, by displaying the number as: Pennsylvania Home Improvement Contractor Registration Number: PA123456. Please remember to fill in the security code. The definition of home improvement fraud also includes misrepresenting or concealing a contractors identity while soliciting a person to enter into an agreement for home improvement services, damaging a persons property with the intent to induce, encourage or solicit a person to enter into a contract for home improvement services, misrepresenting an item as a special order material or misrepresenting the cost of any special order material, and directly or indirectly publishing a false or deceptive advertisement in violation of the Act. [11] 73 P.S. Appellants contend that, there being no express limitation on private actions under the UTPCPL, and since their claims fall within the ambit of that statute, the six-year "catchall" limitations period of section 5527(6) of the Judicial Code, 42 P.C.S. In the case sub judice, the denial of appellants' petition to amend their complaint to include an UTPCPL claim has the effect of putting appellants out of court on a cause of action they seek to litigate. All Rights Reserved, Disclaimer| Site Map| Privacy Policy |Business Development Solutions by FindLaw, part of Thomson Reuters, Please send all correspondence to Pottstown Office, Pennsylvanias New Home Improvement Consumer Protection Act, Pennsylvanias Breach of Personal Information Notification Act, Statute of Limitations on Contract/Sales in Pennsylvania, Unfair Trade Practices and Consumer Protection, Your Downtown Business Local Compliance. There are a number of federal laws in place that aim to protect homeowners from unscrupulous contractors. with 15 U.S.C. 326, Art. Appellants subsequently paid the full purchase price and took possession at settlement on August 29, 1980. Nor does the term include the sale of appliances, such as stoves, refrigerators, freezers and room air conditioners, which are designed for and are easily removable from the premises without material alteration. The Act, located at 73 Pa.C.S. Please note that this exception is limited to emergencies meeting the criteria set forth in Section 201-7 of the Unfair Trade Practices and Consumer Protection Law and the contractor must obtain the emergency waiver required by the law in each case. [23] "When the words of a statute are clear and free from all ambiguity, the letter of it is not to be disregarded under the pretext of pursuing its spirit." This registration requirement is critical because the information required to be included in an application for registration includes not only the name and home address or any individual applicant or the officers, managers and general partner of any partnership, corporation, limited liability company or limited partnership applicant, but also such additional information as drivers license number, Social Security number, and all prior business names and addresses of home improvement businesses operated by that individual, partner, officer, or manager. Although we have no appellate decision in our courts specifically addressing this issue, our sister courts of common pleas have expressed a view on this question. Appellants argue the sale of real estate falls within the purpose of the UTPCPL. 201-2(3) (emphasis added). A home improvement contract can be voided by the homeowner if it fails to contain required terms, or if it contains prohibited terms. Appellants are individuals and owners of residential property located at 5714 Marshall Street in Philadelphia. Pennsylvania unfair trade practices and consumer protection law (UTPCPL) is used to protect consumers and purchasers of household goods and services. Yes: HICPA was amended on October 22, 2014, to allow contractors to offer time and materials contracts to Pennsylvania consumers, provided the contractor: Informs the consumer in writing that the time and materials contract will not exceed 10% above an initial cost estimate agreed to by the homeowner; and. Since unfair or deceptive acts or practices in the sale of real property are expressly declared unlawful, there is no merit to appellee's assertion to the contrary. In such a case, while the subcontractor who installs materials bought from the large retailer will be governed by the Act, the large retailer, in most particulars, will not be. organizational structure (for instance, an individual has incorporated his or her business operation), the names under which the business operates, the principals and shareholders of the business. Sign up for our free summaries and get the latest delivered directly to you. In short, no home improvement contractor will be permitted to use any form of advertising or promotional material that does not allow the consumer to trace that contractor through a registration number to the Pennsylvania Bureau of Consumer Protection. 374, 477 A.2d 491 (1984) (Public Adjuster Law); Pennsylvania Bankers Ass'n. Do hardware stores or businesses that supply products and equipment used in home improvements need to register? property, tangible or intangible, real, personal or mixed. 59.1-198; Wash. Rev.Code Ann. 6 years (from earliest of various dates specified in the statute) No. On July 1, 2009, a new consumer protection law goes into effect. If there are subcontractors that are going to be working on the project, and are known at the time the contract is executed, their names, addresses, and phone numbers should be included as well. . However, landscapers who perform other work at private residences including, but not limited to: the placement of retaining walls, fountains or drainage systems, or the construction, replacement, installation or improvement of buildings, driveways, swimming pools, porches, garages, roofs, siding, insulation, solar energy systems, security systems, flooring, patios, non-decorative fences, doors, lighting systems, concrete walkways and windows must register and comply with the act. The law exempts from the registration requirements contractors who perform less than $5,000 worth of home improvements in a calendar year. While it is likely take years for the courts to flesh out the details of the Act and interpret its many provisions, there can be no doubt that the Act will have broad consequences for both home improvement contractors and home owners. 259 S.E.2d at 6. The law does not dictate where registration numbers must appear, however they must be clearly and conspicuously displayed. Yes. . All rights reserved. Your professionalism and understanding that bad things sometimes happen to good people along with understanding relationships were key elements in convincing Judge Thomasine Tynes to dismiss my case. While it is rare that the court awards an amount over the actual damages sustained, the threat of this occurring will often help to resolve the case outside of court, as businesses don't want to risk this ruling. Section 517.8 - Home improvement fraud (a) Offense defined.-- A person commits the offense of home improvement fraud if, with intent to defraud or injure anyone or with knowledge that he is facilitating a fraud or injury to be perpetrated by anyone, the actor: The statute of limitations . Definitions As used in this act. 417, 404 A.2d 720 (1979) (Usury Statute). 459 Pa. at 467-70, 329 A.2d at 820-23 (citations omitted). . See also Pennsylvania Retailers Ass'n. [6] The UTPCPL was designed to promote full disclosure of information to consumers and "to equalize market position and strength of the consumer vis-a-vis the seller." 1409, No. pennsylvania cash consumer protection act pennsylvania cash consumer protection act (No Ratings Yet) . The Act drastically alters the regulatory environment of the home . 5524(7). Although the decision to grant or deny a petition to amend a pleading is a matter of judicial discretion, we have held that "[a]mendments should be allowed with great liberality at any stage of the case unless they violate the law or prejudice the rights of the opposing party. 1982); Cameron v. Terrell & Garrett, Inc., 618 S.W.2d 535 (Tex. See Zerpol Corp. v. DMP Corp., 561 F. Supp. Section 517.6 - Proof of registration. II, 201, 42 P.C.S. Stat. The UTPCPL is also based on the Lanham Trademark Act, 15 U.S.C. Registration does not imply endorsement.. In Anderson v. Kessler, 32 D. & C.3d 623 (Allegh. Consequently, the impact of unfair or deceptive practices is greatest in this type of transaction. four-year limitation). 282, 286, 507 A.2d 1230, 1232 (1986) (citations omitted). Specifically, under HICPA, a contractor is anyone who undertakes or agrees to perform home improvement work, including: Improvement. The Home Improvement Consumer Protection Act only applies to work done in connection with a private residence, which term includes a single family dwelling, a multifamily dwelling consisting of not more than two units, or any single unit located within any multifamily dwelling, including condominiums and co-op units. 4. Under the Home Improvement Consumer Protection Act, every contract for home improvements needs to be written, legible and signed by the consumer and the contractor (or their representatives). The Court of Common Pleas for Philadelphia County denied appellants' petition by order of September 15, 1986 on the *386 grounds that the statute of limitations which governs private civil actions under the UTPCPL had run. No sweeping changes in legal relationships were occasioned by the CPL, since prevention of deception and the exploitation of unfair advantage has always been an object of remedial legislation. 1984), it was held that "[i]f a leasehold of real estate is covered by the Consumer Protection Law, there is no reason why guarantees given in connection with the sale of real estate should not also be covered." any home improvement without first registering with the bureau, as provided for in this act. Co. v. Greenspan, 360 Pa. 542, 63 A.2d 72 (1949). Specifications without a written change order signed by both the owner and contractor No. Do if my information changes after I register in abeyance or tolled by the incapacity one! This time passes, you may contest any lawsuit filed by a medical creditor on the Lanham Act! Possession at settlement on August 29, 1980 ( 1949 ) Marshall Street in.! Law Strong the statute ) No on August 29, 1980, 507 A.2d 1230 1232. 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