At a glance
- Breach notice to residents
- Without unreasonable delay
- State regulator notice
- Attorney General and the Director of the Office of Consumer Affairs and Business Regulation (plus consumer reporting agencies and state agencies the Director identifies)
- 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.
Massachusetts's data breach notice law
Massachusetts's breach notice law is Mass. Gen. Laws ch. 93H, § 3. If personal information of Massachusetts residents is breached, it says to notify them as soon as practicable and without unreasonable delay after knowing or having reason to know of a breach of security or unauthorized acquisition or use.
Who else to tell: the Attorney General and the Director of the Office of Consumer Affairs and Business Regulation (plus consumer reporting agencies and state agencies the Director identifies). Any breach requiring notice to Massachusetts residents; as soon as practicable and without unreasonable delay; a sample copy of the consumer notice must also be provided.
The law has a clause for businesses that follow the breach rules of their own federal regulator (Mass. Gen. Laws ch. 93H, § 5). Some clauses like this cover only banks and credit unions, so don't count on it: plan to meet the state deadline as well as the FTC's.
The law reads: "shall provide notice, as soon as practicable and without unreasonable delay, ... to the attorney general, the director of consumer affairs and business regulation and to such resident, in accordance with this chapter."
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 Massachusetts have a consumer privacy law?
Massachusetts 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.
Massachusetts dealer license and bond
A Massachusetts retail dealer license calls for a $25,000 surety bond. Everything about the Massachusetts dealer license: who needs one, the lot rules and the application.
Massachusetts 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 Massachusetts's breach deadline in your incident plan
Notice to residents as the law sets out, plus the Attorney General and the Director of the Office of Consumer Affairs and Business Regulation (plus consumer reporting agencies and state agencies the Director identifies), 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.
Massachusetts 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.