Indiana law requires that consumers be given a WRITTEN contract for any home improvement project costing $150.00 or more. (Indiana Law # 24-5-11-4).
The FTC's Trade Regulation Rule states that a consumer has three business days to cancel a contract over $25.00 when signed at a private residence or over $130 when signed at any other temporary location that is not the seller's place of business. This cooling off period applies to cash as well as credit transactions. The seller is REQUIRED to provide the buyer "Notice of Cancellation" papers at the time of the transaction. (FTC Rule 16-CFR-429 and IN Code 24-5-10-1 thru 18 and IN Uniform Credit Code 24-4.5-5-2-501 & 502).