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Rescission Deadlines by State
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The single most important number in a rescission is the deadline, and it varies by state. This article explains how these deadlines work, why they differ, and how to find and confirm yours. It is general information, not legal advice.
How rescission deadlines work
A rescission deadline is the last moment to deliver a valid notice. It is tied to the cooling-off period set by state law and begins running from a defined event, such as the signing or delivery of documents.
Why deadlines differ by state
Each state sets its own cooling-off length and counting rules, which is why rescission rights vary by state. The applicable deadline depends on where you signed and the contract's governing-law terms.
How deadlines are counted
Counting rules matter. Some states measure from the day after signing, some include or exclude weekends and holidays, and some count the postmark while others count delivery. These details are covered in the notice requirements.
Finding and confirming your deadline
We do not publish unverified day counts, because an inaccurate deadline could cause real harm. Confirm yours using your contract, your state's consumer resources, and, if needed, a qualified attorney, then act promptly using how to exercise rescission rights.
Sources & citations
- 1.FTC — Timeshares and Vacation Plans— Federal Trade Commission
- 2.CFPB — Consumer resources— Consumer Financial Protection Bureau
- 3.State consumer-protection & Attorney General resources— National Association of Attorneys General
Written by
Legal Information Desk
Legal Information Research (Non-Advisory)
Reviewed by
Compliance Reviewer
Consumer-Protection & Compliance Review
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