Idaho contract template and the Idaho Code 45-525 disclosure: what you must include, and how much deposit you can take

Published November 3, 2026 · Idaho Code and IDAPA rules checked November 3, 2026

• Free. The download links come by email.
• Deepsel is our product: free estimate, invoice and scheduling software for contractors (scheduling, quotes, invoicing, card payments). The section before the FAQ says where it fits and where it doesn't.
• Not legal advice. Have a local attorney read the template before you use it.

Idaho has no law that lists what a home improvement contract must say, and no cap on deposits. What it does have is Idaho Code 45-525: before you sign any contract over $2,000 to build, alter or repair a home of one to four units, you hand the homeowner a disclosure statement and get their signed receipt for it. Put your registration number on the contract. If you sign the job at the customer's home, add the three-day cancellation notice.

That's most of it. I wrote this for contractors who registered with DOPL (or got their electrical, plumbing or HVAC licence) in the last few weeks and are about to price their first jobs on their own paper. Every rule below comes from the Idaho Code or the state's administrative rules, which I read on November 3, 2026; the links are in the Sources at the bottom.

The template is free: make your own copy in Google Docs (opens in your Drive), download the Word version (.docx), or download the PDF. Pick a format, enter your email and I'll send the links. Page 1 is the 45-525 disclosure, so it gets signed first.

Does Idaho Code 45-525 apply to you?

It applies when all of these are true:

• The contract is for more than $2,000.
• You contract directly with the homeowner (or with someone buying a newly built home from you). A sub who works for another contractor and has no contract with the homeowner is outside it.
• The job is to "construct, alter or repair any improvements on residential real property," and residential means "not less than one (1) nor more than four (4) dwelling units," owner-occupied or rented.¹

It doesn't apply when the homeowner called you "for purposes of providing repairs necessary to meet a bona fide emergency of the homeowner or to make necessary repairs to an electrical, plumbing or water system of the homeowner."¹ Commercial work and buildings of five or more units are outside it too.

Here's the part people miss. In 45-525, a "general contractor" is anyone "who enters into an agreement in excess of two thousand dollars ($2,000) with a homeowner." It has nothing to do with registration. So an electrician who sells a $6,000 panel upgrade is a general contractor for this one section, even though the Contractor Registration Act doesn't make that electrician register.

By trade

Two things to watch in that table. DOPL's own FAQ says licensed electricians, plumbers and HVAC installers "do not have to register, unless you are engaged in contracting beyond the scope of your license."² An HVAC contractor who also frames and finishes a basement is in that "beyond" zone. And "necessary repairs" isn't defined. A leaking water heater the homeowner called you about looks like a repair. A re-pipe or a panel upgrade you recommended and sold is harder to call one. When I'm unsure, I give the page. It's one sheet of paper, and it protects your lien.

What your Idaho contract must include

Idaho's list is short. No statute or rule I found says a home improvement contract must be in writing or spells out what it must contain. I checked the Contractor Registration Act, the lien law, the Consumer Protection Act, the Contractors Board rules and the Attorney General's consumer protection rules. What the law does require, on paper, is this.

1. The Idaho contractor disclosure statement, signed before the contract

The statute's words: "Prior to entering into any contract in an amount exceeding two thousand dollars ($2,000) ... the general contractor shall provide to the homeowner a disclosure statement." It "shall contain an acknowledgment of receipt to be executed by the homeowner," and you "shall retain proof of receipt and shall provide a copy to the homeowner."¹ The statement covers four rights:

• The homeowner may, "at the reasonable expense of the homeowner," require you to "obtain lien waivers from any subcontractors providing services or materials."
• They may get "proof that the general contractor has a general liability insurance policy including completed operations in effect and proof that the general contractor has worker's compensation insurance for his employees as required by Idaho law."
• They "shall be informed of the opportunity to purchase an extended policy of title insurance covering certain unfiled or unrecorded liens."
• They may require, at their own expense, "a surety bond in an amount up to the value of the construction project."

Is it a separate form or part of the contract? The statute doesn't say "separate form." It says "prior to entering into any contract," though, and a paragraph buried in the contract gets signed at the same moment as the contract. So the template makes it page 1, with its own signature line, date and time, signed before anyone touches the contract. Same visit is fine. Keep the signed original in the job file, because you'll need it if you ever file a lien (more on that below).

Sample wording for the acknowledgment: "I received this disclosure statement before signing a contract with the contractor named above." Then the homeowner's signature, printed name, date and time.

2. Your registration number

Idaho Code 54-5214(2): a registered contractor "shall prominently display his contractor registration number for public view in his place of business, on advertising, contracts, permits, company or business letterheads, and purchase orders and subcontracts within sixty (60) days of issue of registration."⁴ Sample line for the top of the contract: "[Company Name], Idaho contractor registration # [number]."

Electricians, plumbers and HVAC contractors don't have a registration number. Their boards' rules fine you up to $1,000 for advertising "without including the contractor license number" (or certificate of competency number) "in the advertisement," and the rules count "door-to-door solicitations" as advertising.⁵ Those rules say advertising, not contracts, but a contract is the last thing you hand over after the sales pitch. Put the number on it.

3. No blanks, and a copy when they sign

The Idaho Consumer Protection Act lists two contract habits as unlawful: "Obtaining the signature of the buyer to a contract when it contains blank spaces to be filled in after it has been signed," and "Failing to deliver to the consumer at the time of the consumer's signature a legible copy of the contract."⁶ Fill every field or strike it through, then hand over a full copy before you leave. If you e-sign, send the signed PDF right away.

4. A price you hold, and written approval before extra work

The Attorney General's rules don't force you to give an estimate. If you do give one, it's deceptive to "unreasonably understate or misstate the estimated price," and you must "obtain oral or written authorization in advance of performing additional and related, unforeseen, but necessary" work that "would unreasonably increase the originally estimated price."⁷ Oral approval is legal. Written is what you can prove. The template's change order clause: "Any change to the work, the materials, the price or the schedule must be written on a change order ... and must be signed by both of us before the changed work starts." On a time-and-materials job, the same rules make you give one itemized bill on request.⁷

5. Idaho law, and disputes heard in Idaho

Idaho Code 29-115(6) says any contract for private construction in Idaho "shall be subject to the laws of Idaho" and "shall not require litigation, arbitration, or another dispute resolution process to occur in another state or country."⁸ If you copied a contract from a company in Spokane or Salt Lake City, check the venue clause.

6. If you sign at the customer's home: the cancellation notice

A bold statement next to the homeowner's signature and two copies of a Notice of Cancellation. The wording is fixed, and the cancellation section below has it.

What the Attorney General says a contract should have

The AG's Consumer Protection Manual tells homeowners that "a residential construction or home improvement contract should be in writing" and lists what it should include: the date, your full name, street address and phone, the names of any subcontractors, "a complete description of all work to be done," "the grade and quality of all materials," start and completion dates, the total cost, "a payment schedule showing the amount and date of each payment," copies of warranties, and any financing paperwork.⁹ That's advice to homeowners, not a statute. It's also the checklist a careful customer will hold your contract against, so the template covers every line of it.

Idaho contractor deposit law: no cap, no escrow rule

Someone on r/GeneralContractor asked the question most new contractors have: "are you allowed legally to charge that much deposit?"¹⁰ In Idaho, the law doesn't say. I found no cap on a residential deposit and no rule on how you hold one (no trust account, no escrow, no bond). I checked the Contractor Registration Act, the Contractors Board rules (which cover only registration qualifications and fees),²⁶ the lien chapter, the Consumer Protection Act and the AG's consumer rules. Nothing in them makes you keep a deposit in a separate account.

No cap doesn't mean anything goes. Four things shape what you do with a deposit:

• Do the work you were paid for, or say why not. The AG's rules make it deceptive to "fail to deliver goods or perform services ... within a reasonable time following the receipt of payment." The way out is to show the delay came from circumstances beyond your control that you didn't know about when you took the job, and that you "have given timely notice to the consumer of any such delay."⁷ The template's delay clause makes you tell the customer in writing.
• Refund it if a home-signed contract is cancelled in time. Every payment goes back within 10 business days (the cancellation section has the details).
• The AG is watching big deposits. In 2022 the office said it "has received an increasing number of complaints about contractors accepting large deposits for projects they never complete," and it now tells homeowners to "use an escrow agent to disburse funds to the contractor as work is completed."¹¹ Its consumer manual says: "Don't agree to a large down payment. Payments should be made upon the progress of the work."⁹
• Taking money you never meant to earn is theft. Idaho's theft statute covers getting property "by false promise" as part of "a scheme to defraud." It also says intent can't be inferred "from the fact alone that such promise was not performed,"¹² so a job that goes sideways is a civil fight, not a criminal one.

How to set the payment schedule

Size the deposit to what you'll spend before the first milestone: the materials you order for this job and the crew time you're holding. Then tie every later payment to something the homeowner can see. On a $24,000 bathroom remodel, that could look like this:

• Deposit, $3,600 (15 percent), covering the vanity, tile and fixtures you special-order.
• $8,400 when rough plumbing and electrical pass inspection.
• $8,400 when tile and drywall are done.
• $3,600 at the final walk-through, after you hand over the subcontractor and supplier list 45-525 requires.

Two more things. Idaho caps retention on construction contracts at 5 percent, but that cap "shall not apply" to owner-occupied homes of one to four units,⁸ so a homeowner holdback on a residential job is whatever you agree. And if the contract was signed at the customer's home, wait for the three days to pass before you order special-order materials. Once the window closes, the template makes non-returnable items the customer's cost if they cancel for no fault of yours.

Cancellation: Idaho's 3-day rule and the FTC rule

Two rules can give your customer three business days to back out, and on a job sold at the home both apply.

Idaho's rule. The Attorney General's Consumer Protection Rules (IDAPA 04.02.01) define a door-to-door sale as one for "personal, family, or household purposes, with a purchase price of twenty-five dollars ($25) or more," where you personally solicit the sale, "including solicitations made in response to or following an invitation by the consumer," and the customer agrees "at a place other than the appropriate trade premises of the seller."⁷ The homeowner called you, you came out, you wrote the estimate at the kitchen table, they signed: that's a door-to-door sale. Same at a home show booth.

The FTC rule (16 CFR 429) covers the same kind of sale at $25 or more at the buyer's home, and $130 or more at other temporary locations like hotels, fairgrounds or convention centers.¹³ Idaho's rule has no $130 tier: $25 anywhere that isn't your place of business.

For either one, you:

• Put this statement, in bold type of at least 10 points, next to the customer's signature: "YOU, THE BUYER, MAY CANCEL THIS TRANSACTION AT ANY TIME PRIOR TO MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE OF THIS TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT."⁷
• Attach two completed copies of the Notice of Cancellation, with your name, your street address, the date of the transaction and the deadline filled in.
• Tell the customer about the right out loud when they sign.
• If they cancel, refund all payments within 10 business days and return anything traded in.
• Don't put a waiver of the right in the contract. Including one is a violation in itself.

Count the days carefully. Idaho's rule defines a business day as any day "except Saturday, Sunday," and listed legal holidays. The FTC excludes only Sundays and federal holidays.⁷¹³ Idaho's count runs longer, so use it. Say a homeowner signs on Friday, November 6, 2026. Under the FTC rule the deadline is midnight Tuesday, November 10. Under Idaho's rule it's Monday the 9th, Tuesday the 10th, then Wednesday the 11th is Veterans Day, so the deadline is midnight Thursday, November 12. Write the 12th on the form. The safe habit: count Monday to Friday only and skip federal holidays.

The exceptions are narrow. Neither rule covers a deal you negotiated after the customer came to your shop or office, or one done entirely by phone or mail. Neither covers a repair or maintenance visit the customer asked for on their "personal property," though anything extra you sell during that visit is covered again. And a homeowner with a real emergency who called you can waive the three days, but only with "a separate dated and signed personal statement in the consumer's handwriting describing the situation requiring immediate remedy and expressly acknowledging and waiving the right to cancel."⁷ You can't pre-print it. Appendix D of the template is a blank page with the instructions.

If you finance jobs yourself (payments with a finance charge, or four or more installments after the down payment), Idaho's Credit Code adds its own three-day right for credit sales signed at the home. The FTC notice satisfies its notice requirement, so the same form covers it.¹⁴

Signed at your office after the customer came in? No cooling-off period. The AG's manual says it directly: "There is no 3-day right to cancel in Idaho. Except for telemarketing and certain door to door sales."⁹

One more rule if you knock on doors: before anything except a greeting, say your name, your company's trade name and what you're selling, and show ID with your name, trade name and business address.⁷

Other Idaho notices: the subcontractor list, insurance and liens

The subcontractor and supplier list. 45-525 has a second half. Before the final payment, you give the homeowner a list "signed by the general contractor listing the business names, addresses and telephone numbers of all subcontractors, materialmen and rental equipment providers" you hired directly who supplied work or materials "of a value in excess of five hundred dollars ($500)." The people on the list are then "authorized to disclose balances owed" to the homeowner.¹ Appendix B of the template is that list.

Insurance. To register, you show a general liability policy "including products and completed operations insurance ... in the sum of not less than three hundred thousand dollars ($300,000) single limit," plus workers' comp or a statement of why you don't need it.¹⁵ The disclosure statement gives the homeowner the right to see proof, so keep certificates ready to send.

Idaho mechanics lien deadlines. If you aren't paid, a claim of lien "shall be filed within ninety (90) days after the completion of the labor or services, or furnishing of materials," and a copy must be served on the owner within five business days of filing.¹⁶ You then have six months to start the court case or the lien lapses.¹⁷ Here's why the disclosure page matters so much: for work covered by 45-525, the claim of lien itself must contain "the required proof of disclosure and acknowledgment of receipt."¹⁶ No signed page, and your lien claim is missing something the statute requires.

Registration and subcontractors. A contractor who should be registered and isn't "shall be denied and shall be deemed to have conclusively waived any right to place a lien." And you can't hire a sub who must be registered unless they give you "satisfactory proof" that they are.¹⁸ Get a copy of each sub's registration before they start.

Roofers on insurance jobs. If you help with the claim ("preparing, processing, presenting or negotiating an insurance claim"), Idaho Code 41-348 bars "a regular practice of waiving, rebating, giving, paying, or offering to waive, rebate, give or pay all or part of a claimant's deductible."¹⁹ Don't advertise "we cover your deductible." Idaho has no assignment-of-benefits law for roofers; a 2021 bill for one failed in the Senate, 11 to 24.²⁰

What happens if you get it wrong

• Missing disclosure. 45-525 says failing to give complete disclosures "shall constitute an unlawful and deceptive act or practice" under the Idaho Consumer Protection Act.¹
• What the customer can do. Treat the contract "as voidable," or sue for "actual damages or one thousand dollars ($1,000), whichever is the greater," plus attorney fees if they win. Punitive damages are possible for "repeated or flagrant violations." If the customer is 62 or older or disabled and loses, say, their home to a lien, the floor becomes "fifteen thousand dollars ($15,000) or treble the actual damages, whichever is greater."²¹
• The Attorney General. Civil penalties "of up to five thousand dollars ($5,000) per violation," plus restitution and the AG's costs.²²
• The Contractors Board. A reprimand, a civil penalty up to $1,000, or suspension or revocation of your registration for a Consumer Protection Act violation.²³
• Your lien. A claim of lien without the signed disclosure is missing a required part (see above).
• Working unregistered. A misdemeanor (up to $1,000 or six months in jail), no lien rights, and no lawsuit to collect "without alleging and proving that he was a duly registered contractor."¹⁸

If a customer hasn't paid, the Idaho mechanics lien guide has the steps, every deadline and a demand letter.

These cases happen. In 2022 the AG settled with a Coeur d'Alene pole-barn builder after 17 complaints alleging $790,000 in losses; his registration was revoked and he was barred from construction in Idaho.¹¹ In 2025 a Kootenai County builder agreed to stop contracting with Idaho consumers after seven complaints and more than $325,000 in reported losses; customers said he "accepted payments for home additions, decks, sheds, and other structures" that were never delivered or only partly built.²⁴ Both cases were about money taken up front for work that never got finished.

The free Idaho contract template

A commenter on r/Contractor put the problem with a generic contract well: "just googling a contract and hoping for the best won't get one that's written specifically for the state he works in."²⁵ This one is built around Idaho's rules, and the disclosure comes first. What's in it:

• Page 1, the Idaho Contractor Disclosure Statement, with the four rights in the statute's words, a plain-English line under each, an insurance box, and the acknowledgment with date and time.
• The contract: your registration or trade licence number, a "where the owner signed" checkbox that tells you whether the cancellation pages apply, scope and materials with a special-order column, schedule and delay notice, price, a payment schedule with a deposit line and milestone payments, what the deposit pays for and when it comes back, change orders, lien waivers, insurance, a one-year workmanship warranty, the cancellation section, Idaho law and an Idaho venue.
• Signatures, with the bold cancellation statement next to the homeowner's line.
• Appendix A1 and A2, two Notice of Cancellation forms, each on its own page.
• Appendix B, the subcontractor, supplier and rental equipment list for final payment.
• Appendix C, a change order form. Appendix D, the emergency waiver page. Appendix E, a one-page checklist for you; delete it before you send the contract.

Copy it in Google Docs, or download the Word file or the PDF. Then pay an Idaho construction attorney for an hour to read it against the way you sell.

Where Deepsel fits

Deepsel is the field service software I build, and it covers the quote side of this. You write the quote, with options if you want them, and a shop-wide terms text is copied onto every quote, so the Idaho clauses from this template (your registration number, the payment terms, the change order rule) can sit there. The customer approves the quote online and signs on screen. You can ask for a deposit, a percent or a fixed amount, that they pay by card when they approve, and it's credited on the final invoice. On Pro, this Idaho contract is built in. Attach it to the estimate, and the customer reads it on the quote page, with the 45-525 disclosure page and the cancellation forms, and signs it when they approve; your saved signature goes on when you send, and you both get the signed copy to print or save as PDF. Template, not legal advice. Have it reviewed for your business. What it won't do: Deepsel doesn't know Idaho law. The terms text alone won't add the 45-525 disclosure or the Notice of Cancellation forms. With the contract attached, the customer signs the disclosure page and the contract in one go, so get the disclosure signed on paper before you send the quote. Deepsel also won't hold a deposit until the three days are up or stop a deposit above a cap (Idaho has none, but your customer might still balk at a big one). Free covers 30 estimates and 30 invoices a month for your whole team, with scheduling and dispatch, quotes, invoicing, card payments and customer and equipment records; Pro is $29 a month with unlimited estimates and invoices. Prices are on the pricing page.

Frequently asked questions

Do contractors have to be licensed in Idaho?

Idaho registers contractors instead of licensing them. If you take a construction job worth more than $2,000 in labor and materials, you register with the Idaho Contractors Board through DOPL, show at least $300,000 of general liability insurance and workers' comp (or say why you don't need it), and pay the fee. Electricians, plumbers and HVAC contractors hold their own trade licences and don't register unless they contract beyond them. Working unregistered when you should be registered is a misdemeanor, and you lose your lien rights and your right to sue for payment.

How much deposit can a contractor ask for in Idaho?

Idaho sets no limit. I checked the Contractor Registration Act, the lien law, the Consumer Protection Act and the Attorney General's consumer protection rules, and none of them caps a residential deposit or says how it must be held. The limits are practical. If you sold the job at the customer's home, they can cancel within three business days and get every dollar back within 10 business days. An AG rule makes it a deceptive practice to take payment and then not perform within a reasonable time without a good reason you told the customer about. And the AG tells homeowners not to agree to a large down payment.

Do you legally have to give a deposit back?

Yes, in two cases: when the customer cancels a contract signed at their home inside the three-business-day window (a full refund within 10 business days), and when your contract says you will. If you take a deposit and don't do the work, the customer can sue under the Idaho Consumer Protection Act for actual damages or $1,000, whichever is more, plus attorney fees, and the Attorney General has shut down contractors who took deposits and didn't build. Outside those cases, what happens to a deposit after a customer cancels depends on what your contract says, which is why the template spells it out.

What does Idaho Code 45-525 require?

Before a contract over $2,000 with a homeowner to build, alter or repair a home of one to four units, the contractor gives a disclosure statement covering four rights: to require lien waivers from subcontractors, to get proof of liability insurance (with completed operations) and workers' comp, to buy extended title insurance covering unrecorded liens, and to require a surety bond at the homeowner's expense. The homeowner signs an acknowledgment of receipt and you keep it. Before final payment you give a signed list of the subcontractors, suppliers and rental companies you hired who supplied more than $500 of work or materials. Skipping it is a Consumer Protection Act violation, and a claim of lien on the job has to include the signed acknowledgment.

Is there a 3-day right to cancel in Idaho?

Only for some sales. The Attorney General's rules give a three-business-day right to cancel when a consumer buys $25 or more of goods or services somewhere other than the seller's place of business, and that includes their own home after they invited you over. The FTC's Cooling-Off Rule says the same for sales at the home. A contract signed at your office, after the customer came in to talk about the job, has no cooling-off period. The AG's consumer manual puts it plainly: 'There is no 3-day right to cancel in Idaho,' except for telemarketing and certain door-to-door sales.

Is there a Google Docs, Word or PDF version?

All three, and all of them free. The Google Docs link makes a copy in your own Drive, the .docx opens in Word, and the PDF prints as is. The 45-525 disclosure statement prints as its own first page so the homeowner can sign it before the contract, and the two Notice of Cancellation copies print on separate pages so they tear off.

Sources

1. Idaho Code 45-525, "General contractors, residential property, disclosures" - the disclosure before any contract over $2,000, the four rights, the acknowledgment of receipt, the subcontractor list over $500 before final payment, the Consumer Protection Act penalty, the definitions and the emergency and repair exception. legislature.idaho.gov, read November 3, 2026.
2. Idaho Division of Occupational and Professional Licenses, Contractors Board, "Frequently Asked Questions (FAQ)" - who must register ("a construction job with a dollar amount exceeding $2000.00"), licensed trades exempt "unless you are engaged in contracting beyond the scope of your license," registration number on contracts, and the Board's 45-525 guidance. dopl.idaho.gov, page updated March 19, 2026, read November 3, 2026.
3. Idaho Code 54-5205(1), exemptions from registration for "persons licensed pursuant to chapters 3, 10, 12, 19, 26, 45 and 50, title 54" (chapter 10 electrical, 26 plumbing, 50 HVAC, per the Title 54 index). legislature.idaho.gov and Title 54 index, read November 3, 2026.
4. Idaho Code 54-5214(2), registration number on "advertising, contracts, permits, company or business letterheads, and purchase orders and subcontracts." legislature.idaho.gov, read November 3, 2026.
5. IDAPA 24.39.10 (Electrical Board), 24.39.20 (Plumbing) and 24.39.70 (HVAC), Rule 300.09 in each - civil penalty up to $1,000 for advertising without the contractor licence or certificate of competency number; advertising includes "door-to-door solicitations." 243910.pdf, 243920.pdf, 243970.pdf, read November 3, 2026.
6. Idaho Code 48-603(12) and (13), Idaho Consumer Protection Act, unfair methods and practices (blank spaces; copy at signature). legislature.idaho.gov, read November 3, 2026.
7. IDAPA 04.02.01, Idaho Rules of Consumer Protection, Office of the Attorney General - Rule 020.04 (appropriate trade premises), 020.09 (business day), 020.22 (door-to-door sale and exclusions), Rules 120 to 122 (estimates), 131 (itemized billing), 140 (time of performance), 160 (solicitation disclosures) and 170 (cooling-off period, required statement and Notice of Cancellation text). adminrules.idaho.gov, read November 3, 2026.
8. Idaho Code 29-115, construction contracts - retention cap and its exception for owner-occupied homes of one to four units; Idaho law and no out-of-state dispute forum (amended 2025). legislature.idaho.gov, read November 3, 2026.
9. Office of the Attorney General, "Idaho Consumer Protection Manual" (current edition, Attorney General Raúl Labrador) - what a residential construction contract should include, "Don't agree to a large down payment," the door-to-door cancellation right and "There is no 3-day right to cancel in Idaho." ag.idaho.gov, read November 3, 2026.
10. r/GeneralContractor thread, "are you allowed legally to charge that much deposit?" reddit.com.
11. Office of the Attorney General, "Wasden Announces Settlement with North Idaho Contractor" - 17 complaints, over $790,000 alleged losses, registration revoked; "an increasing number of complaints about contractors accepting large deposits for projects they never complete"; advice to use an escrow agent. ag.idaho.gov, May 18, 2022, read November 3, 2026.
12. Idaho Code 18-2403(2)(d), theft by false promise. legislature.idaho.gov, read November 3, 2026.
13. Federal Trade Commission, Rule Concerning Cooling-Off Period for Sales Made at Homes or at Certain Other Locations, 16 CFR Part 429 - the $25 and $130 thresholds, exclusions including the emergency waiver, business day, the required statement and Notice of Cancellation, the 10-business-day refund. ecfr.gov, text current as of October 30, 2026, read November 3, 2026.
14. Idaho Credit Code, home solicitation sales, Idaho Code 28-43-401 to 28-43-405 (a "regulated consumer credit sale" solicited and agreed at the buyer's residence; cancel until midnight of the third business day; the FTC notice satisfies 28-43-403(2)(a)), and 28-41-301(36) ("regulated credit sale" means the debt "is payable in installments or a finance charge is made"). 28-43-401, 28-43-403, 28-41-301, read November 3, 2026.
15. Idaho Code 54-5210(1)(d) and (e), application for registration (workers' comp; general liability "not less than three hundred thousand dollars ($300,000) single limit"). legislature.idaho.gov, read November 3, 2026.
16. Idaho Code 45-507, claim of lien (90 days; proof of 45-525 disclosure in the claim; service within five business days). legislature.idaho.gov, read November 3, 2026.
17. Idaho Code 45-510, duration of lien (six months to start proceedings). legislature.idaho.gov, read November 3, 2026.
18. Idaho Code 54-5208 (denial of lien rights), 54-5217 (penalties: misdemeanor, no action to collect) and 54-5204(2) (proof of a subcontractor's registration). 54-5208, 54-5217, 54-5204, read November 3, 2026.
19. Idaho Code 41-348, prohibited acts by service providers (deductible waivers and rebates; "services" includes presenting or negotiating an insurance claim). legislature.idaho.gov, read November 3, 2026.
20. Idaho Legislature, Senate Bill 1057 (2021), Insured Homeowner Protection Act - "FAILED - 11-24-0" on the third reading as amended, March 18, 2021. legislature.idaho.gov, read November 3, 2026.
21. Idaho Code 48-608, private remedies under the Consumer Protection Act (voidable contract, actual damages or $1,000, punitive damages, attorney fees, enhanced penalty for elderly or disabled consumers). legislature.idaho.gov, read November 3, 2026.
22. Idaho Code 48-606(1)(e), Attorney General civil penalties up to $5,000 per violation. legislature.idaho.gov, read November 3, 2026.
23. Idaho Code 54-5215(2), Contractors Board discipline, including for Consumer Protection Act violations. legislature.idaho.gov, read November 3, 2026.
24. Office of the Attorney General, "AG Labrador Announces Settlement with Kootenai County Contractor." ag.idaho.gov, May 29, 2025, read November 3, 2026.
25. r/Contractor thread, "just googling a contract and hoping for the best won't get one that's written specifically for the state he works in." reddit.com.
26. IDAPA 24.21.01, Rules of the Idaho State Contractors Board (registration qualifications and fees only; nothing on contracts or deposits). adminrules.idaho.gov, read November 3, 2026.