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Kentucky Becomes 15th State to Enact a Comprehensive Consumer Data Privacy Law

Kentucky Consumer Data Protection ActKentucky Gov. Andy Beshear on April 4 signed into law House Bill 15, the Kentucky Consumer Data Protection Act, making Kentucky the 15th state to enact a comprehensive consumer data privacy law following California, Virginia, Colorado, Utah, Connecticut, Iowa, Indiana, Tennessee, Montana, Texas, Oregon, DelawareNew Jersey, and New Hampshire.  The law will go into effect Jan. 1, 2026.


The Act applies to persons that conduct business in Kentucky or produce products or services that are targeted to Kentucky residents and that during a calendar year control or process personal data of at least:

  1. 100,000 consumers; or
  2. 25,000 consumers and derive over 50% of gross revenue from the sale of personal data.

Exemptions include, but are not limited to:

  1. Financial institutions, their affiliates, or data subject to Title V of the Gramm-Leach-Bliley Act, 15 U.S.C. § 6801, et seq.;
  2. Covered entities or business associates governed by the privacy, security, and breach notification rules established pursuant to the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”);
  3. Protected health information under HIPAA;
  4. The collection, maintenance, disclosure, sale, communication, or use of any personal information to the extent that such activity is regulated by and authorized under the Fair Credit Reporting Act, 15 U.S.C. § 1681, et seq.

Consumers have the right to:

  1. Confirm whether a controller is processing their personal data and to access such personal data;
  2. Correct inaccuracies in their personal data, taking into account the nature of the personal data and the purposes of processing the data;
  3. Delete personal data provided by or obtained about the consumer;
  4. Obtain a portable copy of the personal data that they previously provided to the controller;
  5. Opt-out of the processing of the personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer.

A controller may not process sensitive data concerning a consumer without obtaining the consumer’s consent, or, in the case of the processing of sensitive data collected from a known child, process the data [except] in accordance with the federal Children’s Online Privacy Protection Act 15 U.S.C. § 6501, et seq.

“Sensitive data” means a category of personal data that includes:

  1. Personal data indicating racial or ethnic origin, religious beliefs, mental or physical health diagnosis, sexual orientation, or citizenship or immigration status;
  2. The processing of genetic or biometric data that is processed for the purpose of uniquely identifying a specific natural person;
  3. The personal data collected from a known child; or
  4. Precise geolocation data.

A contract between a controller and a processor must govern the processor’s data processing procedures with respect to processing performed on behalf of the controller and clearly set forth instructions for processing personal data, the nature and purpose of processing, the type of data subject to processing, the duration of processing, and the rights and obligations of both parties.  The contract must also require that the processor:

  1. Ensure that each person processing personal data is subject to a duty of confidentiality with respect to the data;
  2. At the controller’s direction, delete or return all personal data to the controller as requested at the end of the provision of services, unless retention of the personal data is required by law;
  3. Upon the reasonable request of the controller, make available to the controller all information in its possession necessary to demonstrate the processor’s compliance with the obligations in the Act;
  4. Allow, and cooperate with, reasonable assessments by the controller or the controller’s designated assessor, or the processor may arrange for a qualified and independent assessor to conduct an assessment of the processor’s policies and technical and organizational measures in support of the obligations under the Act, using an appropriate and accepted control standard or framework and assessment procedure for such assessments. The processor must provide a report of the assessment to the controller upon request;
  5. Engage any subcontractor pursuant to a written contract that requires the subcontractor to meet the obligations of the processor.

A controller must conduct and document a data impact assessment of each of the following processing activities:

  1. The processing of personal data for the purposes of targeted advertising;
  2. The processing of personal data for the purposes of selling personal data;
  3. The processing of personal data for the purposes of certain profiling;
  4. The processing of sensitive data; and
  5. Any processing that presents a heightened risk of harm to consumers.

The Attorney General has exclusive authority to enforce violations. For any violation that is not cured within 30 days of notice, the Attorney General may seek damages up to $7,500 for each violation.


The Kentucky Consumer Data Protection Act is sensible legislation that balances the rights of consumers with the impact on businesses. The Act follows the pattern of many post-California comprehensive data privacy laws and should not present overly burdensome compliance challenges for those that must comply with one or more of the other laws. For a chart comparing the state comprehensive data privacy acts, and more information and insight from Maurice Wutscher on data privacy and security laws and legislation, click here.

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Eric Rosenkoetter is a principal at Maurice Wutscher LLP, where he provides counsel to businesses and consumer financial services firms nationwide. For many years, he has focused his practice on various aspects of financial services law. As a litigation attorney, he has conducted every aspect of the litigation process, including countless depositions, motion proceedings, bench and jury trials, and appeals in various courts. In addition, he has significant experience as a compliance and transactional attorney, providing strategic, business growth, legislative, compliance and regulatory advice to national corporations and trade associations. For example, he has drafted consumer contracts and disclosures designed to state-specific statutory requirements, and developed “Best Practices” guides and state-by-state compliance grids, for national financial services companies. He also conducted research and crafted a metrics report for a national trade association with analysis designed to counter the claims of advocacy groups. Eric’s experience also includes working for a national corporation as Executive Counsel, Chief Compliance and Ethics Officer, and Director of Legislative Affairs, and as a federal lobbyist and Director of Government and Public Affairs for a national financial services trade association. In the government sector, Eric presided over approximately 6,000 state administrative hearings, served as a staff attorney for the Missouri Senate, and handled litigation in 33 counties as a regional managing attorney. Eric frequently speaks to audiences on topics relevant to the financial services industry including regulatory compliance, data privacy law and related advocacy initiatives. For more information, see

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