Cleveland Unpaid Wages Demand Letter

Wage theft is a crime. This tool helps you fight back. Serious case? Get a lawyer.

24/7
Available Online
No Cost
Zero BS

What is a Unpaid Wages Demand Letter?

An unpaid wages demand letter is a formal written notice sent to an employer demanding payment of earned but unpaid compensation, including regular wages, overtime, commissions, bonuses, or final paychecks. Wage theft costs workers billions annually, and this letter initiates the legal process for recovery.

Key Points:

  • Documents exact hours worked and amounts owed
  • References state and federal wage and hour laws
  • Sets deadline before filing with labor department
  • Many states allow double or triple damages for violations
Last updated:

Use this unpaid wages guide to build a clear demand letter for Cleveland.

Recovering Unpaid Wages in Cleveland, Ohio

Cleveland workers who have not been paid the wages they earned have strong legal protections under both Ohio and federal law. Whether you're a restaurant server in the Warehouse District whose tips were stolen, a factory worker in the Flats whose overtime was denied, a home health aide in the East Side suburbs who wasn't paid for all hours worked, or a retail employee downtown whose final paycheck was withheld, Ohio law provides clear remedies for recovering the wages you're owed.

The Cleveland metropolitan area, as one of Ohio's largest employment centers, generates thousands of wage disputes annually. From the healthcare workers at the Cleveland Clinic and University Hospitals to manufacturing employees throughout Cuyahoga County, workers in every industry face situations where employers fail to pay required wages. Understanding your rights under Ohio Revised Code Chapter 4113 and the federal Fair Labor Standards Act gives you the knowledge and leverage needed to recover your unpaid compensation.

A well-crafted demand letter is often the most effective first step in recovering unpaid wages. Many employers who ignore informal requests respond promptly to formal written demands that demonstrate knowledge of wage and hour law. Your demand letter creates documentation essential for legal action, establishes your legal position, and frequently motivates employers to pay rather than face court action, regulatory complaints, and potential liquidated damages.

This comprehensive guide covers everything Cleveland workers need to know about recovering unpaid wages. You'll learn the specific requirements of Ohio's wage payment laws, federal overtime and minimum wage protections, and the deadlines and procedures for pursuing claims. With Ohio's small claims court limit of $6,000, the Ohio Department of Commerce wage claim process, and federal court options for larger claims, you have multiple avenues for recovering the wages you've earned.

How to Write an Unpaid Wages Demand Letter in Cleveland

1
Calculate the exact wages owed to you. Review your pay stubs, timekeeping records, and employment agreement. Calculate regular hours not paid, overtime hours not compensated at 1.5 times your regular rate, tips not received or improperly deducted, promised bonuses or commissions not paid, and any unauthorized deductions from your paychecks. Document how you calculated each component of your claim.
2
Gather all documentation supporting your wage claim. This includes your offer letter or employment contract, recent pay stubs showing your pay rate and deductions, timekeeping records or logs of hours worked, communications with supervisors about work schedules or pay disputes, company policies on overtime, tips, or commissions, and any written authorizations for paycheck deductions. If you don't have copies of timekeeping records, note that you can request them from your employer.
3
Determine which laws apply to your situation. Most Cleveland workers are covered by both Ohio wage laws (ORC Chapter 4113) and the federal Fair Labor Standards Act. Some workers may have additional protections under collective bargaining agreements or industry-specific regulations. Identify the relevant legal provisions so you can cite them in your demand letter.
4
Identify the correct recipient for your demand letter. Send your letter to your employer's owner, HR department, or registered agent for service of process. For LLCs and corporations, search Ohio Secretary of State records at businesssearch.ohiosos.gov for current registered agent information. For large employers, send copies to both local management and corporate headquarters.
5
Draft your demand letter with all required elements. Include your name, current address, and contact information. State the date and the employer's complete name and address. Use a clear subject line such as "Demand for Payment of Unpaid Wages." Identify your position, dates of employment, and normal pay rate and schedule.
6
Describe the wage violation in factual detail. State when the unpaid wages were earned, how many hours you worked that were not properly compensated, what your pay rate should have been, and the total amount owed. For overtime claims, show how you calculated hours over 40 per week. For tip claims, detail the tips earned versus received. Be specific about dates, hours, and amounts.
7
Cite the legal basis for your claim. Reference Ohio Revised Code 4113.15 for prompt payment violations, ORC 4111 for minimum wage violations, and the Fair Labor Standards Act for overtime and minimum wage claims. Explain how the employer's conduct violated these statutes. Mention that you may be entitled to liquidated damages (double damages) under the FLSA.
8
State your demand clearly. Specify the exact dollar amount you are demanding, broken down by regular wages, overtime, tips, and other components. Note that you will seek liquidated damages if forced to pursue legal action. Request payment within a reasonable deadline, typically 10-14 days. State that payment should be made by check or other verifiable method.
9
Explain the consequences of non-payment. State that you will file a wage claim with the Ohio Department of Commerce and the U.S. Department of Labor, file a lawsuit in Cleveland Municipal Court or federal court, and seek all remedies available under law including liquidated damages and attorney fees. Be firm but professional in tone.
10
Include information about retaliation protections. Note that both Ohio law and the FLSA prohibit retaliation against employees who assert wage claims. If you are still employed, emphasize that any adverse action in response to your demand letter would be unlawful retaliation entitling you to additional remedies.
11
Attach copies of supporting documentation. Include copies of pay stubs, timekeeping records, employment agreements, and any communications with the employer about the wage dispute. Reference attachments by exhibit number in your letter. Do not send originals.
12
Send your demand letter via certified mail with return receipt requested. Keep the tracking number and delivery confirmation. Also send a copy via email if you have a verified email address for the employer. Retain copies of everything you send for your records.

Evidence Checklist for Cleveland Unpaid Wage Claims

Employment documentation establishes your employment relationship and agreed compensation. Keep copies of your offer letter, employment contract, employee handbook, and any written agreements about pay rates, bonuses, or commissions. These documents show what the employer promised to pay and can contradict claims that you agreed to different terms.

Pay stubs and payment records are essential for proving what you were paid versus what you should have been paid. Save all pay stubs showing gross pay, deductions, hours reported, and net pay. Bank statements showing direct deposits verify actual payment amounts. Year-end W-2 forms show total compensation received. Compare these records against hours worked to identify underpayments.

Timekeeping records document the hours you actually worked. If you have access to employer timekeeping systems, download or print your records before leaving employment. If you kept personal logs of your start times, end times, and breaks, these records support claims that employer records are inaccurate. Time records are particularly important for overtime claims.

Personal hour logs can substitute for or supplement employer timekeeping records. Courts accept credible personal logs when employer records are unavailable or inaccurate. Your log should include the date, start time, end time, meal break duration, and total hours for each workday. Note any occasions when you worked through breaks or off-the-clock. The more contemporaneous and detailed your records, the more credible they are.

Communications about work schedules and pay support your version of events. Save emails, text messages, and written notes from supervisors about when to report, when to leave, expectations about working through breaks, or responses to questions about pay. Communications where supervisors acknowledge you worked certain hours are particularly valuable.

Tip records are essential for restaurant and hospitality workers. Keep personal logs of tips received, tip pool contributions and distributions, and any amounts withheld by management. Credit card tip records from the employer should be available. Compare your personal records against reported tip income on pay stubs to identify discrepancies.

Deduction authorizations document whether paycheck deductions were lawful. Under Ohio law, deductions for business expenses require specific written employee authorization. If deductions were made without authorization, or authorizations were coerced, gather any paperwork you signed and be prepared to explain the circumstances.

Witness information from coworkers who experienced similar violations strengthens your case. Coworkers who can confirm work schedules, off-the-clock work expectations, tip pool practices, or unauthorized deductions provide corroborating evidence. Get names and contact information for potential witnesses.

Company policies about overtime, timekeeping, and pay practices may show that the employer knew the law and violated it anyway, supporting claims for liquidated damages. Employee handbooks, posted workplace policies, and training materials about pay practices are all relevant.

Calculation worksheets showing how you determined the amount owed help courts understand your claim. Create a spreadsheet showing each pay period, hours worked, hours paid, rate owed, amount paid, and shortfall. For overtime claims, show hours over 40 per week and the overtime premium owed. Organized calculations demonstrate credibility.

Organize all evidence chronologically in a dedicated folder. Create a summary of your claim with supporting document references. Make copies of everything and store originals separately. This organization helps you present your case effectively whether negotiating settlement or appearing in court.

Important Deadlines for Cleveland Unpaid Wage Claims

The statute of limitations for Ohio wage claims under ORC 4113.15 is generally six years, consistent with contract claims. However, this long period should not encourage delay. Evidence becomes harder to obtain over time, employer records may be destroyed, and witnesses' memories fade. Pursue your claim promptly for the best chance of full recovery.

Federal wage claims under the Fair Labor Standards Act have a two-year statute of limitations for non-willful violations and three years for willful violations. This means FLSA claims must be filed within two years (or three years for willful violations) of when each wage payment was due. Because the limitations period runs from each pay period, delayed filing loses your ability to recover older wages even while newer claims remain viable.

The FLSA's continuing violation doctrine means each failure to pay proper wages starts a new limitations period. If your employer has been underpaying you for years, you can recover wages from within the limitations period even though earlier violations are time-barred. Calculate your claim from the earliest actionable pay period forward.

Ohio Department of Commerce wage claims should be filed as soon as possible after the violation. While there is no specific deadline for filing administrative complaints, the department's investigation will be limited by the underlying statute of limitations. Administrative claims sometimes take months to resolve, so consider pursuing multiple remedies simultaneously.

U.S. Department of Labor complaints can be filed at any time within the FLSA limitations period. The DOL maintains regional offices that investigate wage complaints. However, DOL investigation timelines are unpredictable, and private lawsuits often achieve faster results.

Demand letter response deadlines should be reasonable but create urgency. For unpaid wage claims, 10-14 days is typically appropriate. Shorter deadlines may be reasonable when wages have been withheld for extended periods or when the employer has already ignored informal requests.

Typical timeline for Cleveland wage recovery: Send demand letter within 2-4 weeks of identifying the violation. Allow 10-14 days for employer response. If no satisfactory response, file an Ohio Department of Commerce complaint and prepare a court filing within 2-4 weeks. Court schedules hearing 30-60 days after filing.

For ongoing employment situations, document violations as they occur but be strategic about timing of formal demands. Ohio and federal law prohibit retaliation, but some employees prefer to wait until leaving employment before asserting claims. If you choose to wait, continue documenting violations and be aware of limitations periods.

Maintain calendar reminders for all deadlines. Missing the FLSA limitations period eliminates federal claims and their valuable liquidated damages provision. Even with Ohio's longer limitations period, prompt action improves your evidence position and overall chance of recovery.

Common Mistakes to Avoid in Cleveland Unpaid Wage Claims

Failing to document hours worked contemporaneously weakens wage claims. Many workers only start keeping records after discovering violations, but courts give more weight to records created at the time work was performed. If you suspect wage problems, start keeping detailed daily logs immediately. Note start times, end times, breaks, and any off-the-clock work requests.

Not understanding the difference between exempt and non-exempt employees leads to missed claims. Many Cleveland employers misclassify workers as exempt from overtime when they don't meet the strict FLSA criteria. Just because your employer calls you "salaried" or "management" doesn't mean you're actually exempt. Review the specific exemption criteria or consult an attorney.

Accepting employer explanations without verification allows violations to continue. When employers claim deductions are lawful or that you're not entitled to overtime, ask for documentation. Employers sometimes rely on employees not knowing their rights. Verify any employer claims against actual legal requirements.

Signing releases or arbitration agreements without understanding their effect may limit your rights. Some employers pressure workers to sign documents waiving claims as a condition of receiving final paychecks. Read anything carefully before signing, and note that many such waivers may be unenforceable for unpaid wages. Consult an attorney before signing releases involving substantial claims.

Waiting too long to pursue claims loses evidence and may exceed limitations periods. Employer payroll records are typically retained for only a few years. Former coworkers move on and become hard to locate. The FLSA's two-year limitation (three for willful violations) runs from each pay period. File claims promptly while evidence is fresh.

Failing to calculate all components of a wage claim results in incomplete recovery. Wage claims may include regular unpaid hours, overtime premiums, tip shortages, commission underpayments, unlawful deductions, and waiting time penalties. Review every aspect of your compensation to identify all potential claims.

Not sending demand letters via certified mail creates proof problems. If you later need to show that the employer received your demand and ignored it, certified mail receipts provide that evidence. Email alone may not be sufficient proof of receipt.

Using emotional or threatening language in communications undermines credibility. Courts expect professional conduct. Frustration is understandable, but stick to factual statements about hours worked, wages owed, and legal requirements. Let the legal consequences speak for themselves.

Failing to preserve evidence when leaving employment is a critical error. Before your last day, gather copies of pay stubs, timekeeping records, personnel files, employment agreements, and any communications about pay. Once you leave, access to employer records becomes much more difficult.

Not consulting with an attorney for substantial claims may result in underrecovery. For claims involving thousands of dollars, particularly FLSA claims with potential liquidated damages and attorney fees, a consultation is worthwhile. Many employment attorneys offer free consultations and take cases on contingency.

Frequently Asked Questions: Unpaid Wages in Cleveland, Ohio

Q How long does my Cleveland employer have to pay me after I quit or am fired?
A

Under Ohio Revised Code 4113.15, when your employment ends, all earned wages must be paid on the next regular payday or within 15 days, whichever comes first. This applies whether you resigned or were terminated. Your employer cannot withhold your final paycheck to pressure you into signing a release, returning equipment, or completing exit procedures. If your final check is not provided on time, you can pursue legal remedies including filing a demand letter and potential court action.

Q What is the statute of limitations for wage claims in Ohio?
A

Ohio wage claims under ORC 4113.15 generally have a six-year statute of limitations. However, federal claims under the Fair Labor Standards Act have a two-year limitation for non-willful violations and three years for willful violations. Because the FLSA provides valuable remedies including liquidated damages and attorney fees, its shorter limitations period is practically significant. File claims promptly to preserve all available remedies and maximize recovery.

Q Can I recover double damages for unpaid wages in Cleveland?
A

Yes, under the Fair Labor Standards Act, workers who prove wage violations can recover liquidated damages equal to the unpaid wages, effectively doubling the recovery. Employers can avoid liquidated damages only by proving the violation was in good faith and they had reasonable grounds to believe their conduct was lawful. Courts routinely award liquidated damages when employers knew or should have known they were violating wage laws. Ohio law may provide additional remedies in certain circumstances.

Q Is my employer allowed to deduct money from my paycheck for shortages or damaged merchandise?
A

Under Ohio Revised Code 4113.15(B), employers cannot make deductions from wages for cash register shortages, damaged merchandise, or other business expenses without specific written authorization from the employee for each deduction. Even with authorization, deductions cannot reduce pay below minimum wage. Broad authorization clauses in employment agreements do not satisfy this requirement. If your employer made unauthorized deductions, you can demand full repayment of the amounts deducted.

Q What should I do if my Cleveland employer owes me overtime pay?
A

Document the hours you worked over 40 in each workweek and calculate the overtime premium owed (half your regular rate for each overtime hour). Send a formal demand letter to your employer citing the Fair Labor Standards Act and requesting payment within 10-14 days. If the employer doesn't respond, file a complaint with the U.S. Department of Labor's Wage and Hour Division and consider filing a lawsuit. Under the FLSA, you may recover the unpaid overtime plus liquidated damages equal to that amount, plus attorney fees.

Q Can my employer retaliate against me for filing a wage claim?
A

No. Both Ohio law and the federal Fair Labor Standards Act prohibit retaliation against employees who assert wage claims. This includes protection against termination, demotion, reduced hours, harassment, or any other adverse action taken because you complained about unpaid wages. If your employer retaliates, you may have an additional claim for damages, including reinstatement, back pay, and compensatory damages for retaliation. Document any adverse actions that follow your wage complaint.

Q What is the small claims limit for wage cases in Cleveland?
A

Ohio small claims courts handle cases up to $6,000. This covers many unpaid wage disputes, particularly for individual employees with limited periods of underpayment. For claims exceeding $6,000, you can reduce your claim to fit within small claims limits, file in Cuyahoga County Common Pleas Court, or file in federal court for FLSA claims. Federal court may be preferable for substantial wage claims because it allows attorney fee recovery, making it easier to find representation.

Q How do I file a wage complaint with the Ohio Department of Commerce?
A

You can file a wage complaint with the Ohio Department of Commerce's Bureau of Wage and Hour Administration online through their website at com.ohio.gov, by mail, or by phone. Provide details about your employer, dates of employment, hours worked, wages owed, and any documentation you have. The department will investigate and may pursue recovery on your behalf. However, administrative processes can be slow, so consider pursuing demand letters and court action simultaneously for faster results.

What to Expect: Unpaid Wage Settlements in Cleveland

Realistic settlement expectations for Cleveland unpaid wage cases depend on the clarity of the violation, documentation quality, and amounts involved. When employers clearly owe documented wages, the prospect of liquidated damages, attorney fees, and regulatory complaints often motivates settlement. Most employers would rather pay what they owe than face double liability plus legal costs.

Negotiation typically begins after the employer receives your demand letter. Initial responses may include partial payment offers, disputes about hours worked or pay rates, or requests for documentation. Evaluate any offers against your calculated damages including potential liquidated damages. A partial offer may be reasonable if there's genuine dispute about some hours; a lowball offer on clearly documented wages is not.

The FLSA's liquidated damages provision significantly increases your leverage. An employer who owes $3,000 in unpaid overtime faces potential liability of $6,000 plus attorney fees if the case goes to court. Many employers settle for the full unpaid amount to avoid the additional exposure. Use this leverage strategically while being willing to negotiate reasonably.

Settlement timing varies based on case complexity and employer responsiveness. Simple cases involving clearly documented underpayments often resolve within weeks of demand letters. Complex cases involving disputed hours, exemption status arguments, or multiple employees may take months. Employers in financial distress may be unable to pay immediately, requiring negotiation of payment plans.

Factors affecting settlement value include the certainty of your hours documentation, the employer's apparent ability to pay, whether other employees have similar claims, the strength of any employer defenses, and the cost of continued litigation. Cases with ironclad time records and clear violations typically settle at or near full value; cases with disputed facts may settle at discounts.

For substantial claims, particularly those involving ongoing violations affecting multiple employees, class or collective action may be appropriate. Employment attorneys can evaluate whether your situation justifies a broader action that could benefit other workers while potentially increasing your recovery through representative plaintiff premiums.

Typical outcomes in Cleveland wage cases range from full payment of demanded amounts when violations are clear, to negotiated settlements at 70-90% of full value when there are legitimate factual disputes, to judgment after court hearing when employers refuse to negotiate. Cases with strong documentation and clear legal violations generally achieve good outcomes.

Get settlement agreements in writing specifying the amount, payment method, payment date, and scope of the release. Be cautious about signing broad releases that affect claims beyond the specific wages at issue. Wait for payment to clear before considering the matter resolved.

After Sending Your Cleveland Unpaid Wages Demand Letter

Track your certified mail delivery through the USPS tracking system and retain the green return receipt card when it arrives. Note the exact date the employer received your demand, as this starts your response deadline. If delivery fails, research alternative addresses using Ohio Secretary of State records and resend. Document any delivery problems for potential evidence of employer evasion.

During the response period, continue organizing your evidence and preparing for potential escalation. If you're still employed, document any changes in treatment that might constitute retaliation. If you've left employment, ensure you have copies of all relevant records before employer access is completely lost.

If the employer contacts you to negotiate, listen to their position but maintain your claim for the full amount owed. Get any settlement offers in writing before agreeing. Don't accept partial payments as full settlement unless you're willing to close the matter. If you accept a partial payment, document clearly whether it's a full settlement or partial payment toward a larger obligation.

When your response deadline passes without satisfactory resolution, implement your escalation plan. File a wage complaint with the Ohio Department of Commerce online at com.ohio.gov. For FLSA claims, file with the U.S. Department of Labor's Wage and Hour Division. These administrative filings create pressure while you prepare court action.

For amounts up to $6,000, consider filing in Cleveland Municipal Court's small claims division. The court is at Justice Center, 1200 Ontario Street. Filing fees are approximately $45-85 depending on the claim amount. Bring copies of your demand letter with delivery confirmation, employment records, pay stubs, time records, and calculations showing amounts owed.

For larger claims or to access FLSA remedies including attorney fee recovery, consider filing in federal court or consulting an employment attorney. Many employment lawyers take wage cases on contingency, meaning you pay nothing unless you win. The FLSA's attorney fee provision makes even moderate-sized claims attractive to attorneys.

Prepare for court by organizing evidence in presentation order. Be ready to explain your employment, pay rate, hours worked, and how you calculated amounts owed. Bring documents proving each element of your claim. Dress professionally and address the court respectfully. Judges are familiar with wage cases and appreciate organized, factual presentations.

Consider whether other employees have similar claims. If multiple workers were affected by the same violations, a collective action may be more effective than individual claims. Employment attorneys can evaluate class action potential and often handle such cases without upfront costs to workers.

Cleveland Unpaid Wage Resources and Contacts

The U.S. Department of Labor's Wage and Hour Division maintains a regional office serving the Cleveland area. The Cleveland District Office handles FLSA complaints including minimum wage, overtime, and child labor violations. Contact them at the federal building in Cleveland or through the national WHD hotline at 1-866-4US-WAGE. They investigate complaints and can pursue back wages and civil penalties.

The Ohio Department of Commerce Bureau of Wage and Hour Administration enforces state wage laws. File complaints online at com.ohio.gov, by phone at 614-644-2239, or by mail. The bureau investigates wage complaints and can pursue administrative remedies. Response times vary; consider this one part of a multi-pronged approach.

Cleveland Municipal Court handles small claims cases up to $6,000 for Cleveland residents. The court is at Justice Center, 1200 Ontario Street, Cleveland, Ohio 44113. The clerk's office phone is 216-664-4882. Small claims provides an accessible venue for individual wage disputes without requiring attorney representation.

Cuyahoga County Common Pleas Court handles larger civil claims. The courthouse is at 1 Lakeside Avenue, Cleveland, Ohio 44113. For wage claims exceeding $6,000, this court provides full civil trial procedures. Consider attorney representation for substantial claims.

The Northern District of Ohio federal court handles FLSA claims. Federal court provides advantages including attorney fee recovery for prevailing workers. The Cleveland courthouse is at 801 West Superior Avenue. Many employment attorneys prefer federal court for wage cases due to FLSA's remedies structure.

The Legal Aid Society of Cleveland provides free legal services to low-income Cuyahoga County residents, including assistance with employment and wage matters. Contact them at 216-687-1900 or lasclev.org. They can provide advice, referrals, and representation for qualifying individuals.

The Employment Law Center and similar worker advocacy organizations provide resources for Cleveland workers with wage claims. The Cleveland chapter of the National Employment Law Project and similar groups offer educational materials and referrals.

The Cleveland Metropolitan Bar Association Lawyer Referral Service helps workers find qualified employment attorneys. Call 216-696-3525 for referrals. Many employment lawyers offer free consultations and take wage cases on contingency, meaning no upfront cost to workers.

Ohio Legal Help (ohiolegalhelp.org) provides free legal information and forms for Ohioans handling civil matters without attorneys. Their website includes guides about wage rights, sample demand letters, and information about the complaint process.

The Wage War Playbook

Know the Deadlines

Most states give employers a limited time to fix wage violations. Know your state's laws.

Document the Theft

Timesheets, emails, texts, promises… gather every shred of evidence.

Calculate *Everything*

Regular hours, overtime, breaks, commissions. Don't let them shortchange you a single cent.

Wage War FAQ

When should I send a demand letter?

The moment they miss a payment or short your check. Don't let it slide - delays can hurt your claim.

What if they retaliate?

Retaliation for wage complaints is illegal in most states. Document everything and consider filing with your state labor board.

Can I recover unpaid overtime?

Yes. If you worked over 40 hours/week and weren't paid time-and-a-half, you may recover the unpaid amount plus penalties.

What about my final paycheck?

Most states require final paychecks within days of termination. Late payment often triggers automatic penalties.

How far back can I claim unpaid wages?

Typically 2-3 years for federal claims, but state laws vary. Some states allow claims going back further.

Do I need to prove my hours?

Any evidence helps: timecards, emails with timestamps, text messages, witness statements, or reconstructed schedules.

Can I file anonymously?

Not typically, but there are strong anti-retaliation protections. Some claims through labor boards offer more privacy than lawsuits.

About FreeDemandLetter

FreeDemandLetter provides free, AI-powered demand letter generation with location-specific legal citations. Our content is reviewed by subject matter specialists and regularly updated to reflect current laws. We help thousands of people resolve disputes effectively—but we're not lawyers, and this isn't legal advice. For complex situations, consult a licensed attorney in your jurisdiction.

Ready to Collect?

Your work has value. Demand your pay.

Generate Your Demand Letter Now

Legal Information Verified: January 2026. Sources include official state statutes and government consumer protection agencies. Laws change—verify current requirements with official sources for your jurisdiction.