Attorney General James Uthmeier announced the release of an economic report that has prompted a Consumer Protection investigation into deceptive pet sales practices and high-cost financing arrangements that, according to the study, cost Floridians more than $25.1 million annually.
The report was commissioned by the Office of the Attorney General and conducted by the University of West Florida’s Haas Center. It details widespread concerns involving the sale of sick or misrepresented animals and the use of what investigators describe as predatory lending practices tied to pet purchases.
According to the findings, more than 80% of puppies sold in Florida originate from large, out-of-state breeders, many of which have been linked to so-called puppy mills. The report states that animals are frequently transported long distances in crowded conditions, often without mandatory veterinary examinations upon arrival in Florida. As a result, illnesses can spread undetected, leaving buyers with unexpected and sometimes substantial veterinary costs.
Researchers found that as many as 120 puppies are sometimes transported together in vans across multiple states with limited oversight. The report also estimates that only about 3% of affected consumers file formal complaints, suggesting the true economic impact may exceed the $25.1 million annual estimate.
The study further highlights the role of financing in high-priced pet sales. Large pet retailers commonly promote store-branded credit cards and installment plans that make expensive purchases appear more affordable. Some of these financing products carry annual percentage rates as high as 35.99% and include deferred-interest clauses, fees, and contract terms that limit consumers’ legal rights. The report estimates that a $5,000 pet purchase can ultimately cost families up to $16,000 under certain financing arrangements.
Complaint data analyzed in the report shows higher concentrations in Central and South Florida, particularly in Orange County, Pinellas County, Duval County, Miami-Dade County, Broward County, and Palm Beach County. The report notes that after Orange County enacted retail pet sale restrictions and the Attorney General’s Office obtained a consent judgment against a local Petland franchise, consumer complaints in the area declined by 55%.
Based on its findings, the Haas Center recommends a series of policy changes, including tighter restrictions on high-interest pet financing, increased oversight of breeders and animal transporters, and updates to Florida’s Pet Lemon Law to better reflect current market practices.
The Office of the Attorney General confirmed that the report’s findings have led to a formal investigation into retailers and lenders involved in the pet sales industry.
To read the full report, click here.
