At a glance
- Breach notice to residents
- Without unreasonable delay
- State regulator notice
- Attorney General
- State consumer privacy law
- None
- Dealer bond
- $25,000
On this page
Federal rules every dealer follows
These apply in every state. Each links to a free tool or guide.
- FTC Safeguards Rule (16 CFR Part 314): a written security plan, a Qualified Individual, a risk assessment, MFA, encryption and the FTC breach notice. Safeguards checklist.
- Red Flags Rule (16 CFR 681): a written identity theft program; most dealers who arrange financing treat themselves as covered. Red Flags program.
- Privacy notice (Gramm-Leach-Bliley Act): give it to buyers who finance or lease. GLBA privacy notice.
- OFAC: never sell to someone on the Treasury's sanctions lists; keep records 10 years. Free OFAC search.
- Form 8300: report cash over $10,000 within 15 days. Form 8300 worksheet.
- Credit notices: adverse action within 30 days, and risk-based pricing notices. Adverse action notice.
- Used Car Rule: the Buyers Guide on every used car for sale. Buyers Guide.
- Advertised prices: include doc fees and other required fees, per the FTC's September 2026 FAQs. Ad and price check.
Arkansas's data breach notice law
Arkansas's breach notice law is Ark. Code Ann. § 4-110-105. If personal information of Arkansas residents is breached, it says to notify them in the most expedient time and manner possible and without unreasonable delay, consistent with the legitimate needs of law enforcement or measures necessary to determine the scope of the breach and restore system integrity.
Who else to tell: the Attorney General. If the breach affects the personal information of more than 1,000 individuals; at the same time individuals are notified or within 45 days after determining there is a reasonable likelihood of harm, whichever occurs first (§ 4-110-105(b)(2), added by Act 1030 of 2019). Written breach determination must be kept 5 years and sent to the AG within 30 days of a written request.
The law reads: "The disclosure shall be made in the most expedient time and manner possible and without unreasonable delay, consistent with the legitimate needs of law enforcement"
This is on top of the federal rule. Under the FTC Safeguards Rule, a dealer must tell the FTC within 30 days of discovering a breach of unencrypted information about 500 or more consumers. How the FTC notice works.
Does Arkansas have a consumer privacy law?
Arkansas has no comprehensive consumer privacy law like California's as of October 31, 2026. The federal privacy rules still apply: a dealer that arranges financing or leases gives each of those buyers a privacy notice under the Gramm-Leach-Bliley Act. Make a free GLBA privacy notice.
Arkansas dealer license and bond
An Arkansas retail dealer license calls for a $25,000 surety bond; other amounts apply to some license types or sales volumes. Everything about the Arkansas dealer license: who needs one, the lot rules and the application.
Arkansas dealer compliance checklist
Write and sign your security plan
Name your Qualified Individual, do the risk assessment and turn on MFA for every system with customer data.
Adopt a Red Flags program
Check the buyer's ID on every deal and log what you checked.
Give the privacy notice
To every buyer who finances or leases, at or before signing.
Check every buyer against the OFAC lists
Keep the dated result in the deal jacket for 10 years.
Track cash
Add up related cash payments and file Form 8300 when they pass $10,000.
Train your staff on security
The Safeguards Rule asks for security awareness training for everyone who handles customer data. Keep a record of who finished it.
Put Arkansas's breach deadline in your incident plan
Notice to residents as the law sets out, plus the Attorney General, and the FTC within 30 days at 500 or more consumers.
Check your ads
Advertised prices include doc fees and every fee all buyers pay.
Rules checked and limits
Rules checked October 31, 2026. We read every rule on this page in the eCFR or on the agency's own site, and each is linked in the sources below. We re-check them every quarter.
Arkansas laws checked October 31, 2026 on the official sources linked below.
Templates and tools, not legal advice. CarShots is software, not a law firm. For a question about your own dealership, ask your attorney or your state dealer association.