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Oklahoma

Oklahoma · home improvement

Your rights in Oklahoma

Information, not legal adviceRules checked Oct 4, 2026

3 business days to cancel

If sold at your home on their credit

Cancel in writing by midnight of the third business day. Most cash sales at home get the federal 3-day rule instead.

Some sales are excepted, such as emergency work you ask for, once it has begun.

The 4 exceptions, in the rule's words
  • Emergency (Oklahoma right): you asked the contractor to provide goods or services without delay because of an emergency, and the contractor in good faith made a substantial beginning on the work before you cancelled (for goods, only if they cannot be returned in substantially as good condition).
  • Federal rule: you started the contact because of a real, immediate personal emergency and gave the seller a separate, dated and signed statement in your own handwriting describing the emergency and giving up the right to cancel.
  • Federal rule: you started the contact and asked the seller to come to your home to repair or maintain your personal property. Anything extra the seller sells you beyond the replacement parts needed for that repair is still covered.
  • Federal rule: the deal followed earlier negotiations during your visit to the seller's permanent store or showroom.
Read the full rule

When it applies

A home solicitation sale: the contractor personally solicited the sale and you signed (or made your offer) at your home, AND the contractor itself is extending you credit (a finance charge, or payment in four or more installments after any down payment). It does not cover a deal that follows earlier negotiations at the contractor's fixed place of business, or a sale on an existing revolving charge account.

If a contractor sold you the job at your home and is giving you credit (a finance charge, or four or more payments after any down payment), Oklahoma law lets you cancel in writing, to the address in the agreement, until midnight of the third business day after you sign, and the contractor must return your payments within 10 days. Separately, for most sales of $25 or more made at your home, the federal Cooling-Off Rule gives you 3 business days (Sundays and federal holidays do not count) and requires a full refund within 10 business days.

Okla. Stat. Title 14A · read on oklegislature.gov · checked Oct 4, 2026 (official source, opens in a new tab)

The contract must include

Source: OK law

An estimate isn't the contract. Ask for all 6 in writing before you sign.

  • Buyer's right to cancelIf sold at home on their credit: show the rule's own words

    In the rule's words

    If you signed at home and the contractor is giving you credit: a written agreement you sign, dated with the day you actually sign, showing the seller's name and mailing address and a notice under the caption "BUYER'S RIGHT TO CANCEL" (Oklahoma Consumer Credit Code).

  • 3-day cancel notice & formsMost sales made at your home: show the rule's own words

    In the rule's words

    For a sale of $25 or more made at your home (federal Cooling-Off Rule): a completed copy at signing, in the language used in the sales talk, showing the date and the seller's name and address, a bold statement of your 3-business-day right to cancel next to your signature, and two copies of a Notice of Cancellation form.

  • Roofing: registration #On contracts, bids and ads: show the rule's own words

    In the rule's words

    Roofing: the contractor must use a written contract, and its roofing registration number must appear on contracts, bids and advertising.

  • Roofing: workers' compEveryone on the job covered: show the rule's own words

    In the rule's words

    Roofing: a statement that everyone working under the contract is covered by workers' compensation insurance. If a legitimately exempt person uses an affidavit of exemption instead, the affidavit must be attached to the contract.

  • Roofing: insurance cancel72 hours after a claim denial: show the rule's own words

    In the rule's words

    Roofing paid by an insurance claim: a bold statement (at least 12-point type) of your right to cancel within 72 hours after your insurer tells you in writing that all or part of the claim is denied, plus a detachable Notice of Cancellation form in duplicate.

  • Roofing: no deductible dealsWritten notice with the first estimate: show the rule's own words

    In the rule's words

    Roofing paid by an insurance claim: with its first estimate, the roofer must give you written notice that it may not promise to pay all or part of your deductible or pay you for a service to win the job.

On signing day

  • Keep a signed copy
  • Find the cancel notice
Sources16 official pages · checked Oct 4, 2026

Notes from our check

  • How the sources were read: the statute text comes from the Oklahoma Legislature's complete-title files on oklegislature.gov (Titles 2, 14A, 15, 59 and 82), downloaded and read again on 2026-10-04. The server reports them last modified 2025-12-30 (Title 2) and 2025-12-31 (the others), so they reflect laws through the 2025 session. Changes from the 2026 session may not appear.
  • The 2026 roofing bills were read in their enrolled (final) versions on oklegislature.gov. HB 3800 takes effect 2027-01-01. It amends many sections of the roofing act, including 1151.7 and 1151.22, but not 1151.21 (insurance-claim cancellation) or 1151.30 (deductible notice). It keeps the duties to use a written contract, to show the registration number on contracts, bids and advertising, and to include a workers' compensation statement. The only new exception to the written-contract rule is for labor-only crews working under an endorsed roofer, which does not affect your contract with the roofer.
  • OSCN (the Oklahoma Supreme Court's statute site) answered every automated request on 2026-10-04 with a human-verification page, so its page for 14A O.S. 2-501 could not be read. It was removed from sources. The same section was read in the Legislature's Title 14A file.
  • Cancellation scope: Oklahoma's own right (14A O.S. 2-501 to 2-505) covers only home solicitation sales that are also consumer credit sales, meaning the seller regularly extends credit and grants it here (14A O.S. 2-104; 'payable in installments' in 1-301(13)). The Code also caps the amount financed with a dollar limit that is adjusted every year; the app should not state that figure. Cash sales, sales paid with a bank credit card, and jobs paid through a separate lender fall outside the state right. For those, the federal FTC Cooling-Off Rule (16 CFR Part 429), not Oklahoma law, gives 3 business days (Sundays and federal holidays do not count) for sales of $25 or more made at the buyer's home, or $130 or more at other places that are not the seller's place of business, and requires a refund of all payments within 10 business days. The federal rule also excludes a deal in which the buyer has the federal Truth in Lending right to rescind (for example when the contractor takes a security interest in the home). The 16 CFR 429 text was read through the eCFR API (title current to 2026-10-01).
  • Cancellation fee conflict: 14A O.S. 2-503 and 2-504(3) let the seller keep a cancellation fee of up to 5 percent of the cash price, never more than the cash down payment, and the required Oklahoma notice says so. The federal rule requires a refund of all payments, and 16 CFR 429.2(b) counts state laws that permit a fee for cancelling as directly inconsistent with it. Because most in-home sales of $25 or more fall under the federal rule, the app should not tell a homeowner that the contractor may keep 5 percent. If a contractor withholds a fee, the app should point to the Attorney General's Consumer Protection Unit.
  • Other parts of the state right: a mailed cancellation notice takes effect when it is mailed (2-502(3)). Until the seller gives the required signed agreement and notice, the buyer may cancel by any means (2-503(3)), and the three days run only from signing an agreement that complies (2-502(1)). A seller that performed services before cancellation is owed nothing beyond the cancellation fee (2-505(3)). 14A does not define 'business day', so the app should not say whether Saturday counts under the state right.
  • Insurance-paid roofing: 59 O.S. 1151.21 lets the insured cancel within 72 hours after receiving written notice from the insurer that all or part of the claim is denied. The contractor must return payments within 10 days (the statute's required notice form says 10 business days). The contractor may keep the reasonable value of emergency work that the insured acknowledged in writing was needed to prevent damage. The section says 'residential contractor' but sits in the Roofing Contractor Registration Act, and 1151.7(12) requires roofing contracts to carry these terms.
  • Roofer not in good standing: under 59 O.S. 1151.5(I), a roofer notified that its registration is not in good standing must tell the homeowner, and the homeowner may then cancel. The roofer is owed the actual cost of materials and the market value of labor already done.
  • Deposit: no Oklahoma statute limiting deposits or down payments on residential home improvement contracts was found in Titles 14A, 15 or 59, and no cap appears on the Construction Industries Board or Attorney General pages. The Attorney General advises caution when a contractor asks for a substantial up-front payment or cash, but that is advice, not a cap. depositCap is null, and the app must not state an Oklahoma cap or borrow one from another state.
  • Price limits after a declared emergency (not a deposit cap): under 15 O.S. 777.4, while a Governor's or President's emergency declaration is in effect and for 30 days afterward, no one may sell or offer goods or services in the emergency area for more than 10 percent above their own price just before the declaration. Increases caused by petroleum or natural gas market prices, or only by factors unrelated to the emergency with no added profit, are allowed. For 180 days after that, the 10 percent limit continues for goods sold for repairing, restoring, remodeling or building homes in the area.
  • The Home Repair Fraud Act (15 O.S. 765.1 to 765.3) makes it a Class D1 felony to enter into a home repair deal while knowingly, or with reason to know, misrepresenting material facts or charging a price that unreasonably exceeds the value of the work and materials. It is not a deposit cap. It excludes carpet work, appliance work done by staff of the merchant that sold the appliance, landscaping, and original construction. Separately, 15 O.S. 765.4 bars anyone who inspects a house for mold from also removing it, unless the total for inspection and removal is $200 or less and the consumer consents.
  • Registration: Oklahoma has no statewide general contractor or home improvement contractor credential. The Construction Industries Board's FAQ says general contractors are not currently required to have a state license, so registration is null. The Board licenses plumbing, electrical and mechanical (heating and air) contractors, registers roofing contractors, and licenses home inspectors. Its FAQ also says cities and counties may have their own licensing, registration and permit requirements.
  • Roofing details: under 59 O.S. 1151.7, the roofer's 'OK'-prefixed registration number must be on both sides of its work vehicles and on contracts, bids and advertising. A new Residential Roofing Endorsement is coming. The enrolled SB 1873 (2026) and the Board's 2026-06-08 notice agree: roofers registered and in good standing on or before 2027-01-01 can be grandfathered in during 2027, and all of them need the endorsement for residential roofing from 2028-01-01. A roofer newly registering after 2027-01-01 may not sell, bid on or do residential roofing until it holds the endorsement. The Legislature's statute file still shows the earlier 2025 text with a 2026-07-01 date, so the app should rely on the dates in SB 1873.
  • Mechanical (HVAC) caveat: 59 O.S. 1850.15 says a person or business licensed by a city or town that works only in that locality does not need the state mechanical license. A valid local license can therefore stand in for the state one.
  • septic-well: 59 O.S. 1158(A) requires anyone who installs more than one individual sewage disposal system (serving a single home or duplex) in a calendar year to first get certification from the Department of Environmental Quality. 82 O.S. 1020.16(A) requires commercial water well drillers and water well pump installers to be licensed by the Oklahoma Water Resources Board. DEQ's web pages describe its Certified Installer Program as letting installers inspect their own installations; the statute's certification requirement is what the app should rely on.
  • smart-home is in neither trade list. The Alarm, Locksmith and Fire Sprinkler Industry Act (59 O.S. 1800.2 and 1800.6) requires a Department of Labor license for alarm systems and electronic security devices such as access control and video surveillance, but it does not reach other smart-home work, such as thermostats or lighting.
  • Written contract: the Board and the Attorney General advise a written contract with start and completion dates, a detailed description of the work, and all guarantees and warranties. That is advice. Apart from roofing and the home-solicitation and federal door-to-door rules, no Oklahoma statute setting the contents of a general home improvement contract was found in Titles 14A, 15 or 59.

General information from official Oklahoma sources. For your situation, ask the state's consumer protection office or a lawyer.

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