Consumer Protection - As introduced, increases, from 30 to 45 days, the amount of time a person who purchases, subscribes to, or receives products, services, or membership in an organization by negotiating an unsolicited negotiable instrument has from the date of the first statement or bill for the purchase, subscription, service, product, or membership to cancel the services, subscription, or membership, or return the product. - Amends TCA Title 9 and Title 47.

HB 668 extends the cancellation period for consumers from 30 to 45 days after receiving the first bill for unsolicited services, products, or memberships paid via checks or similar negotiable instruments. It directly affects individuals who accidentally agree to recurring charges through unsolicited payment methods, such as signing a check for a "verification" service. The bill amends Tennessee Code Section 47-18-123(a) to provide this longer window to cancel or return the product without penalty.