The short answer

Kansas has required commercial financing disclosures on transactions of $500,000 or less since 1 July 2024.

Checked 30 August 2026. This is a summary of what the rules are, not legal advice on what to do about them — and secondary sources disagree on several of these effective dates, usually because a statute’s own effective date and the date compliance is actually required are different. Confirm against the statute.

The disclosure requirement

Statute

Kansas Commercial Financing Disclosure Act

In force

1 July 2024

Reaches

Commercial financing transactions of $500,000 or less

Must contain

Total amount financed, disbursement amount, total repayment, total dollar cost, payment amount and frequency, and prepayment terms.

Annualised rate

Dollar-cost disclosure rather than an annualised rate.

Calling into Kansas

Federal TCPA plus the Kansas no-call provisions. No mini-TCPA damages regime.

What changes for a broker

• One of the two disclosure states with no registration to file, which makes the operational cost of compliance close to zero once your paperwork is right.
• The template is close enough to Kansas’s neighbours that a provider compliant in Missouri is most of the way there — but Missouri adds a broker registration Kansas does not.

What Kansas files look like

Agriculture and agricultural services are genuinely material here in a way they are not in most states, alongside trucking along the I-70 and I-35 corridors, and a solid base of small manufacturing. Agricultural files carry seasonality that no daily-remittance model reads well.

Questions