§ 4402. Solicitation in the guise of a bill, invoice, or statement of account
(a) In this section:
(1)(A) “Solicitation” means a document that reasonably could be considered a bill, invoice,
or statement of account due, but is in fact an offer to sell goods or services to
a consumer that were not requested by the consumer.
(B) “Solicitation” does not include an offer to renew an existing agreement for the purchase
of goods or services, provided that the offer specifies the date on which the existing
agreement expires.
(2) For purposes of subdivision (1)(A) of this subsection, factors to determine whether
a document “reasonably could be considered to be a bill, invoice, or statement of
account due” may include:
(A) The document is described as a “bill,” “invoice,” “statement,” “final notice,” or
similar title.
(B) The document uses the term “remit” or “pay” with respect to a dollar amount, or similar
wording.
(C) The document purports to impose a kind of late fee or similar penalty for nonpayment.
(D) The document refers to a dollar figure as an “amount due,” “amount owing,” or similar
wording.
(b) It is an unfair and deceptive act and practice in commerce in violation of section 2453 of this title for a person to send to a consumer through any medium a solicitation in violation
of the requirements of this section.
(c)(1) A solicitation shall bear on its face the following disclaimer in conspicuous boldface
capital letters of a color prominently contrasting with the background against which
it appears, including all other print on the face of the solicitation, and that are
at least as large, bold, and conspicuous as any other print on the face of the solicitation
but not smaller than 30-point type: “THIS IS NOT A BILL. THIS IS A SOLICITATION FOR
THE SALE OF GOODS OR SERVICES. YOU ARE UNDER NO OBLIGATION TO PAY THE AMOUNT STATED
UNLESS YOU ACCEPT THIS OFFER.”
(2) For purposes of subdivision (1) of this subsection, “color prominently contrasting”
excludes any color, or any intensity of an otherwise included color, that does not
permit legible reproduction by ordinary office photocopying equipment used under normal
operating conditions and that is not at least as vivid as any other color on the face
of the solicitation.
(d)(1) The disclaimer required in subsection (c) of this section shall be displayed conspicuously
apart from other print on the page immediately below each portion of the solicitation
that reasonably could be construed to specify a monetary amount due and payable by
the recipient.
(2) The disclaimer required in subsection (c) of this section shall not be preceded, followed,
or surrounded by words, symbols, or other matter that reduces its conspicuousness
or that introduces or modifies the required text, such as “Legal Notice Required By
Law” or similar wording.
(3) The disclaimer required in subsection (c) of this section shall not, by folding or
any other means, be made unintelligible or less prominent than any other information
on the face of the solicitation.
(4) If a solicitation consists of more than one page, or if any page is designed to be
separated into portions, the disclaimer required in subsection (c) of this section
shall be displayed in its entirety on the face of each page or portion of a page that
reasonably could be considered a bill, invoice, or statement of account due as required
in this subsection. (Added 2013, No. 44, § 4.)