Kentucky Revised Statutes

Ky. Rev. Stat. § 367.220 (2026)

Action for recovery of money or property -- When action may be brought

✓ current as of May 2026
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(1) Any person who purchases or leases goods or services primarily for personal, family or household purposes and thereby suffers any ascertainable loss of money or property, real or personal, as a result of the use or employment by another person of a method, act or practice declared unlawful by KRS 367.170, may bring an action under the Rules of Civil Procedure in the Circuit Court in which the seller or lessor resides or has his principal place of business or is doing business, or in the Circuit Court in which the purchaser or lessee of goods or services resides, or where the transaction in question occurred, to recover actual damages. The court may, in its discretion, award actual damages and may provide such equitable relief as it deems necessary or proper. Nothing in this subsection shall be construed to limit a person's right to seek punitive damages where appropriate. (2) Upon commencement of any action brought under subsection (1) of this section, the clerk of the court shall mail a copy of the complaint or other initial pleading to the Attorney General and, upon entry of any judgment or decree in the action, shall mail a copy of such judgment or decree to the Attorney General. (3) In any action brought by a person under this section, the court may award, to the prevailing party, in addition to the relief provided in this section, reasonable attorney's fees and costs. (4) Any permanent injunction, judgment or order of the court made under KRS 367.190 shall be prima facie evidence in an action brought under this section that the respondent used or employed a method, act or practice declared unlawful by KRS 367.170. (5) Any person bringing an action under this section must bring such action within one (1) year after any action of the Attorney General has been terminated or within two (2) years after the violation of KRS 367.170, whichever is later. History: Amended 1974 Ky. Acts ch. 308, sec. 62. -- Created 1972 Ky. Acts ch. 4, sec. 12.

Notes of Decisions
Cited in 137 cases (57 in the last 5 years), 1978–2026 · leading case: Indiana Ins. Co. v. James Demetre, 527 S.W.3d 12 (Ky. 2017).
Indiana Ins. Co. v. James Demetre, 527 S.W.3d 12 (Ky. 2017). · cites it 6× “170; KRS 367.220. See,- e.g., Stevens v. kMotorists Mut.”
Arnold v. Liberty Mut. Ins. Co., 392 F. Supp. 3d 747 (E.D. Ky. 2019). · cites it 10× “In response, Plaintiffs argue-without relevant supporting authority-that Kentucky statute provides that "a person bringing a claim for violation of the KCPA related to an insurance policy does so under [ Ky.”
Alexander v. S & M MOTORS, INC., 28 S.W.3d 303 (Ky. 2000). · cites it 10× “The issue presented in each of these cases involves a question of first impression concerning the award of attorney fees under the Kentucky Consumer Protection Act (KCPA), KRS 367.220(3). We granted discretionary review to resolve a split of authority in the Kentucky Court of…”
Craig & Bishop, Inc. v. Piles, 247 S.W.3d 897 (Ky. 2008). · cites it 8× “170 and KRS 367.220 — explicitly requires that a binding contract be reached for a purchaser damaged by unlawful trade practices to have a private right of action.”
Foster v. Am. Fire & Cas. Co., 219 F. Supp. 3d 590 (E.D. Ky. 2016). · cites it 10× “Foster’s first amended complaint, he claims he “has ascertained a loss of money” as a result of American Fire’s actions; that he “has suffered inconvenience, and emotional and mental pain and distress;” and that he “faces long term uncertainty as to his financial future and is…”
Stevens v. Motorists Mut. Ins. Co., 759 S.W.2d 819 (Ky. 1988). · cites it 5× “The Kentucky Consumer Protection Act, KRS 367.220, does provide a homeowner with a remedy for the conduct of their own insurance company in denying such a claim because the act has provided a “statutory” bad faith cause of action.”
Tracker Marine, L.P. v. Ogle, 108 S.W.3d 349 (Tex. App. 2003). · cites it 3× “505/10a; Kentucky: Ky.Rev.Stat. § 367.220(1); Missouri: Mo. Rev.”
Ford Motor Co. v. Mayes, 575 S.W.2d 480 (Ky. Ct. App. 1978). · cites it 5× “KRS 367.220(1). Ford asserts that it committed no unfair or unconscionable act which was unlawful under the Consumer Protection Act.”
Online Merchants Guild v. Daniel Cameron, 995 F.3d 540 (6th Cir. 2021). · cites it 2× “See Ky. Rev. Stat. §§ 367.220, 367.378, 367.990.”
Craig v. Keene, 32 S.W.3d 90 (Ky. Ct. App. 2000). · cites it 8× “The Keenes's attorney, William Erwin, filed a motion for attorney fees and costs under KRS 367.220, which authorizes such where there has been a violation of the Kentucky Consumer Protection Act.”
Naiser v. Unilever United States, Inc., 975 F. Supp. 2d 727 (W.D. Ky. 2013). · cites it 3× “§ 367.220. It states: Action for recovery of money or property; tvhen action may be brought — (1) Any person who purchases or leases goods or services primarily for personal, family or household purposes and thereby suffers any ascertainable loss of money or property .”
Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013). · cites it 4× “KRS § 367.220(1). The Kentucky Supreme Court has held that the “purchase of an insurance policy is a purchase of a ‘service’ intended to be covered by the Consumer Protection Act.”
— Ky. Rev. Stat. § 367.220(1) — 68 cases
Stevens v. Motorists Mut. Ins. Co., 759 S.W.2d 819 (Ky. 1988). “The Kentucky Consumer Protection Act, KRS 367.220, does provide a homeowner with a remedy for the conduct of their own insurance company in denying such a claim because the act has provided a “statutory” bad faith cause of action.”
Ford Motor Co. v. Mayes, 575 S.W.2d 480 (Ky. Ct. App. 1978). “KRS 367.220(1). Ford asserts that it committed no unfair or unconscionable act which was unlawful under the Consumer Protection Act.”
Stafford v. Cross Country Bank, 262 F. Supp. 2d 776 (W.D. Ky. 2003).
Arnold v. Liberty Mut. Ins. Co., 392 F. Supp. 3d 747 (E.D. Ky. 2019). “In response, Plaintiffs argue-without relevant supporting authority-that Kentucky statute provides that "a person bringing a claim for violation of the KCPA related to an insurance policy does so under [ Ky.”
Indiana Ins. Co. v. James Demetre, 527 S.W.3d 12 (Ky. 2017). “170; KRS 367.220. See,- e.g., Stevens v. kMotorists Mut.”
— Ky. Rev. Stat. § 367.220(3) — 16 cases
Alexander v. S & M MOTORS, INC., 28 S.W.3d 303 (Ky. 2000). “The issue presented in each of these cases involves a question of first impression concerning the award of attorney fees under the Kentucky Consumer Protection Act (KCPA), KRS 367.220(3). We granted discretionary review to resolve a split of authority in the Kentucky Court of…”
Aesthetics in Jewelry, Inc. v. Est. of Brown Ex Rel. Brown, 339 S.W.3d 489 (Ky. Ct. App. 2011).
Wahba v. Don Corlett Motors, Inc., 573 S.W.2d 357 (Ky. Ct. App. 1978).
Ford Motor Co. v. Mayes, 575 S.W.2d 480 (Ky. Ct. App. 1978). “KRS 367.220(1). Ford asserts that it committed no unfair or unconscionable act which was unlawful under the Consumer Protection Act.”
Craig & Bishop, Inc. v. Piles, 247 S.W.3d 897 (Ky. 2008). “170 and KRS 367.220 — explicitly requires that a binding contract be reached for a purchaser damaged by unlawful trade practices to have a private right of action.”
— Ky. Rev. Stat. § 367.220(5) — 13 cases
Arnold v. Liberty Mut. Ins. Co., 392 F. Supp. 3d 747 (E.D. Ky. 2019). “In response, Plaintiffs argue-without relevant supporting authority-that Kentucky statute provides that "a person bringing a claim for violation of the KCPA related to an insurance policy does so under [ Ky.”
Tracker Marine, L.P. v. Ogle, 108 S.W.3d 349 (Tex. App. 2003). “505/10a; Kentucky: Ky.Rev.Stat. § 367.220(1); Missouri: Mo. Rev.”
Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013). “KRS § 367.220(1). The Kentucky Supreme Court has held that the “purchase of an insurance policy is a purchase of a ‘service’ intended to be covered by the Consumer Protection Act.”
Skilcraft Sheetmetal, Inc. v. Kentucky Mach., Inc., 836 S.W.2d 907 (Ky. Ct. App. 1992).
Deadwyler v. Volkswagen of Am., Inc., 134 F.R.D. 128 (W.D.N.C. 1991).
— Ky. Rev. Stat. § 367.220(a) — 1 case
In re Mercedes-Benz Tele Aid Contract Litig., 257 F.R.D. 46 (D.N.J. 2009).
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