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CTLast updated: 2026-01
Connecticut Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Connecticut.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General usury limit is 12%. Licensed lenders may charge more under Connecticut Banking Law.
Business Exemption
Business loans are generally exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Residential Property Condition Disclosure
- Lead-based paint disclosure (pre-1978)
- TILA disclosures
Licensing Required
No license required
No license required for infrequent seller financing.
Consumer Protection
Applicable laws protecting buyers
- Connecticut Unfair Trade Practices Act (CUTPA)
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (strict judicial foreclosure)
- Court-supervised foreclosure process
- No redemption after foreclosure sale
Legal Disclaimer
This information about Connecticut regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Connecticut attorney before entering into any seller financing arrangement.