Lawmakers were concerned about consumers being victimized by high-pressure sales pitches in their homes, perhaps because consumers relax their guard at home. The notice must identify the transaction, disclose the security interest, inform you of your right to rescind, tell you how to exercise that right, and give you the date the rescission period expires. Not that you'd want to cancel a job that's already completed, but you might have some leverage to reduce the final payment. These laws help keep most contractors honest, but they can't keep the bad apples off the streets. Even if you report violations to the Federal Trade Commission in Washington or one of its 10 regional offices, the FTC isn't likely to prosecute a small contractor.
Federal enforcement tends to concentrate on major violations or patterns.
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