1. A person shall not engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentation, concealment, suppression, or omission of a material fact, with the intent that others rely upon the unfair practice, deception, fraud, false pretense, false promise, misrepresentation, concealment, suppression, or omission in connection with the advertisement, sale, or lease of consumer merchandise, or the solicitation of contributions for charitable purposes. For the purposes of this chapter, a claimant alleging an unfair practice, deception, fraud, false pretense, false promise, or misrepresentation must prove that the prohibited practice related to a material fact or facts. “Solicitations of contributions for charitable purposes” does not include solicitations made on behalf of a political organization as defined in section 13C.1, solicitations made on behalf of a religious organization as defined in section 13C.1, solicitations made on behalf of a state, regionally, or nationally accredited college or university, or solicitations made on behalf of a nonprofit foundation benefiting a state, regionally, or nationally accredited college or university subject to section 509(a)(1) or 509(a)(3) of the Internal Revenue Code of 1986.
2. A person shall not engage in any practice or act that is in violation of any of the following:
a. Section 321.69.
b. Section 321.71A.
c. Chapter 516D.
d. Section 523C.7 or 523C.13.
e. Section 554I.2.
f. Chapter 555A. \n Tue Dec 09 21:56:12 2025 Iowa Code 2026, Chapter 714H (25, 1) §714H.3, CONSUMER FRAUD — PRIVATE ACTIONS 2\n\n g. Section 714.16, subsection 2, paragraphs “b” through “n”.
h. Chapter 714A. 2009 Acts, ch 167, §3, 9; 2015 Acts, ch 72, §3, 4; 2020 Acts, ch 1063, §375; 2025 Acts, ch 126, §6 Subsection 2, NEW paragraph e and former paragraphs e – g redesignated as f – h \n
Notes of Decisions
Cheryl Albaugh v. The Reserve, 930 N.W.2d 676 (Iowa 2019).
· cites it 4× “Iowa Code section 714H.3(1) provides, A person shall not engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentation, concealment, suppression, or omission of a…”
In re Chrysler-Dodge-Jeep Ecodiesel Mktg., 295 F. Supp. 3d 927 (N.D. Cal. 2018).
“See Iowa Code § 714H.3(1) (providing that "[a] person shall not *1019 engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentations, concealment, suppression, or…”
Senahid Becirovic & Hajreta Becirovic v. Nedzad Malic & Aisa Malic (Iowa Ct. App. 2024).
· cites it 6× “In August 2022, the Becirovics filed suit against Malic, claiming breach of contract, breach of implied warranty of fitness for a particular purpose, breach of implied warranty of workmanlike construction, negligence, breach of express warranty, fraudulent misrepresentation,…”
John Dostart & Deena Dostart v. Columbia Ins. Grp. (Iowa Ct. App. 2024).
· cites it 5× “See Iowa Code §§ 714H.3(1), 714H.5. That statute—unlike common-law fraud—they contended, does not require an intent to deceive or even knowledge of a misrepresentation or omission.”
Bradshaw Renovations, LLC v. Barry Graham & Jacklynn Graham (Iowa 2025).
· cites it 4× “The homeowners’ evidence of consumer fraud did not meet the statutory definition of a “prohibited practice” under Iowa Code section 714H.3(1) (2020). The contractor may be guilty of sloppy billing practices, but the evidence presented at trial fails to demonstrate that he…”
John Dostart v. Columbia Ins. Grp. (Iowa 2025).
· cites it 3× “§ 714H.3(1) (“A person shall not engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentation, concealment, suppression, or omission of a material fact, with the intent…”
John Dostart v. Columbia Ins. Grp. (Iowa 2025).
· cites it 3× “§ 714H.3(1) (“A person shall not engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentation, concealment, suppression, or omission of a material fact, with the intent…”
— Iowa Code § 714H.3(1) — 16 cases
Cheryl Albaugh v. The Reserve, 930 N.W.2d 676 (Iowa 2019).
“Iowa Code section 714H.3(1) provides, A person shall not engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentation, concealment, suppression, or omission of a…”
In re Chrysler-Dodge-Jeep Ecodiesel Mktg., 295 F. Supp. 3d 927 (N.D. Cal. 2018).
“See Iowa Code § 714H.3(1) (providing that "[a] person shall not *1019 engage in a practice or act the person knows or reasonably should know is an unfair practice, deception, fraud, false pretense, or false promise, or the misrepresentations, concealment, suppression, or…”
— Iowa Code § 714H.3(2) — 1 case
John Dostart & Deena Dostart v. Columbia Ins. Grp. (Iowa Ct. App. 2024).
“See Iowa Code §§ 714H.3(1), 714H.5. That statute—unlike common-law fraud—they contended, does not require an intent to deceive or even knowledge of a misrepresentation or omission.”
— Iowa Code § 714H.3(2)(d) — 1 case
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