Minn. Stat. » CHAPTER 325F. CONSUMER PROTECTION; PRODUCTS AND SALES
Minnesota Statutes

Minn. Stat. § 325F.91 (2026)

Prohibited Practices

✓ current as of May 2026
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Subdivision 1.Prohibited rental agreement provisions.

A rental-purchase agreement may not contain a provision:

(1) requiring a confession of judgment;

(2) authorizing a lessor or an agent of the lessor to commit a breach of the peace in the repossession of property;

(3) waiving a defense, counterclaim, or right the lessee may have against the lessor or an agent of the lessor;

(4) requiring the payment of a late charge unless a lease payment is delinquent for more than two business days for a weekly lease or three business days for a monthly lease, and the charge or fee shall not be in an amount more than the greater of five percent of the delinquent lease payment or $3;

(5) requiring a separate payment in addition to lease payments in order to acquire ownership of the property, other than by exercising an early purchase option pursuant to section 325F.93; and

(6) authorizing a lessor to charge a penalty for early termination of a rental-purchase agreement.

Subd. 2.

[Repealed, 1995 c 202 art 3 s 22]

Subd. 3.Delivery charges; security deposits; collection fees.

A lessor may not charge a delivery charge that is greater than $15 for five items or less or $30 for more than five items. A lessor may not charge a security deposit. A lessor may contract for and receive a charge for picking up payments from the lessee if the lessor is required or requested to visit the lessee's dwelling to pick up a payment. In a consumer rental-purchase agreement with payment or renewal dates which are more frequent than monthly, this charge shall not be assessed more than three times in any three-month period. In consumer rental-purchase agreements with payments or renewal options which are at least monthly, this charge shall not be assessed more than three times in any six-month period. A charge assessed pursuant to this subdivision shall not exceed $7. This charge is in lieu of a late charge assessed for the applicable payment period.

Notes of Decisions
Cited in 3 cases, 1993–1994 · leading case: Miller v. Colortyme, Inc., 518 N.W.2d 544 (Minn. 1994).
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Miller v. Colortyme, Inc., 518 N.W.2d 544 (Minn. 1994). · cites it 2× “90); limits delivery charges, security deposits and collection fees (section 325F.91); authorizes the commissioner of commerce to adopt rules governing cash price limits (section 325.”
Fogie v. Rent-A-Ctr., Inc., 867 F. Supp. 1398 (D. Minn. 1993). · cites it 2× “Minn.Stat. § 325F.91. The disclosure requirements and prohibited clauses in the acts do not conflict and RAC could comply with both.”
Miller v. Colortyme, Inc., 504 N.W.2d 258 (Minn. Ct. App. 1993). · cites it 2× “” Minn.Stat. §§ 325F.91, subd. 2, 325F.84, subd.”
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