Bill > SB441

This bill creates the Junk Lawsuit Prevention Act of 2025, which amends existing Arkansas law regarding the sale and marketing of healthcare discount cards. The bill strengthens consumer protections by requiring that these cards clearly disclose they are not insurance, provide a 30-day cancellation period, and ensure that advertised discounts are not misleading or deceptive. The legislation allows both consumers and the Attorney General to bring legal actions against businesses that violate these provisions, with potential remedies including injunctions and damages. Notably, the bill introduces a new requirement that consumers must provide a 30-day written notice to a business before filing a lawsuit, giving the business an opportunity to cure any violations. If the business provides a written statement addressing the violations within that period, the consumer cannot pursue individual or class-wide damages. The act applies retroactively, meaning it covers violations that occurred before its effective date. The changes aim to prevent predatory marketing practices and protect consumers from potentially fraudulent discount card schemes by ensuring transparency and providing clear legal recourse.

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https://arkleg.state.ar.us/Bills/Detail?id=sb441&ddBienniumSession=2025%2F2025R