At a glance
- Breach notice to residents
- Without unreasonable delay
- State regulator notice
- Office of the Attorney General and the Utah Cyber Center
- State consumer privacy law
- Utah Consumer Privacy Act
- Dealer bond
- $75,000
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.
Utah's data breach notice law
Utah's breach notice law is Utah Code § 13-44-202. If personal information of Utah residents is breached, it says to notify them in the most expedient time possible without unreasonable delay, considering law enforcement needs, after determining the scope of the breach and restoring the reasonable integrity of the system.
Who else to tell: the Office of the Attorney General and the Utah Cyber Center. If misuse of personal information of 500 or more Utah residents has occurred or is reasonably likely; same timing as resident notice (consumer reporting agencies too at 1,000+).
The law has a clause for businesses that follow the breach rules of their own federal regulator (Utah Code § 13-44-202(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: "A person required to provide notification under Subsection (1) shall provide the notification in the most expedient time possible without unreasonable delay"
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.
Utah's consumer privacy law
Yes. The Utah Consumer Privacy Act (Utah Code Title 13, Chapter 61) has applied since December 31, 2023.
Who it covers: Controllers or processors that conduct business in Utah or target Utah residents, have annual revenue of $25,000,000 or more, and either control or process personal data of 100,000+ consumers in a calendar year, or derive over 50% of gross revenue from selling personal data and control or process personal data of 25,000+ consumers.
The law exempts both financial institutions subject to the Gramm-Leach-Bliley Act and the data that act covers. A dealer that arranges financing or leases is generally treated as one, so ask your attorney whether that covers your store. (Utah Code § 13-61-102(2))
The law reads: "has annual revenue of $25,000,000 or more"
Whether your store is covered depends on your own numbers, so check them each year, and keep giving financing buyers the federal privacy notice. Make a free GLBA privacy notice.
Utah dealer license and bond
An Utah retail dealer license calls for a $75,000 surety bond; other amounts apply to some license types or sales volumes. Everything about the Utah dealer license: who needs one, the lot rules and the application.
Utah 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 Utah's breach deadline in your incident plan
Notice to residents as the law sets out, plus the Office of the Attorney General and the Utah Cyber Center, 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.
Utah 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.