Code of Massachusetts Regulations 940 CMR - OFFICE OF THE ATTORNEY GENERAL
Here’s a refined overview of 940 CMR—the Office of the Attorney General regulations under Massachusetts General Law Chapter 93A (Consumer Protection) and related statutes:
📋 Main Titles Under 940 CMR
According to the Trial Court Law Libraries, 940 CMR occupies Titles 1 through 38 and includes a diverse range of consumer protection regulations (mass.gov). Here's a breakdown of the most important chapters:
🏛️ 940 CMR 2.00
Regulations of the Director of Public Charities.
⚖️ 940 CMR 3.00 – General Regulations
Defines unfair or deceptive business practices, terminology, and representations under M.G.L. c. 93A, § 2(a) (mass.gov, mass.gov).
🧓 940 CMR 4.00 – Long‑Term Care Facilities
Protects residents in nursing homes and similar institutions from unfair or deceptive practices, supplementing state and federal laws .
🚗 940 CMR 5.00 – Motor Vehicle Regulations
Regulates consumer protections in motor vehicle sales, advertising, and servicing.
🛍️ 940 CMR 6.00 – Retail Advertising
Sets standards for retail advertisements to eliminate misleading representations, under M.G.L. c. 93A, § 2(c) (sec.state.ma.us, mass.gov).
📞 940 CMR 7.00 – Debt Collection
Defines unfair or deceptive debt collection practices (under M.G.L. c. 93A) (mass.gov).
🏦 940 CMR 8.00 – Mortgage Brokers and Lenders
Protects consumers during mortgage origination or refinancing by defining prohibited practices (mass.gov).
⚡ 940 CMR 19.00 – Retail Marketing & Sale of Electricity
Covers deceptive practices in electricity marketing; aimed at consumer protection in energy markets (mass.gov).
💸 940 CMR 38.00 – Unfair & Deceptive Fees (“Junk Fees”)
Took effect March 14, 2025. Requires clear, upfront disclosure of total cost (fees, interest, charges) and addresses auto-recurring charges/trial offers (mass.gov).
🔎 Other Notable Titles
According to the comprehensive listing, additional chapters include regulations governing health insurers (9.00), housing communities (10.00), open meetings (29.00), tobacco sales (21–22.00), earned sick time (33.00), domestic workers (32.00), daily fantasy sports (34.00), handgun sales (16.00), and more (mass.gov).
📥 Accessing the Regulations
You can access each title's full text (PDF) via the Massachusetts Trial Court Law Libraries or purchase printed versions from the State Bookstore. For example:
940 CMR 3.00, 6.00, 7.00, 8.00, 19.00, 38.00 available online (mass.gov).
The State Bookstore lists consolidated volumes for 940 CMR 1.00–38.00 (sec.state.ma.us).
✔️ Quick Summary
| Title | Focus Area |
|---|---|
| 3.00 | Consumer protection – general |
| 4.00 | Long‑term care facilities |
| 5.00 | Motor vehicle transactions |
| 6.00 | Retail advertising |
| 7.00 | Debt collection practices |
| 8.00 | Mortgage brokers & lenders |
| 19.00 | Electricity sales & marketing |
| 38.00 | “Junk fee” disclosures & recurring charges |
| 9.00, 10–38 | Insurance, housing, employment, meetings, etc. |
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