Understanding Funeral Home Pricing: FTC Funeral Rule

The Federal Trade Commission's "Funeral Rule" is one of the most important consumer protections in the funeral industry. Understanding it can save you thousands.

What Is the Funeral Rule?

Enacted in 1984 and updated since, the FTC Funeral Rule requires funeral providers to give consumers accurate, itemized price information and prohibits certain deceptive practices. It applies to all funeral homes, whether they handle burials, cremations, or both.

Your Key Rights

• General Price List (GPL): Funeral homes must give you an itemized price list when you inquire in person. They must also provide prices over the phone.
• Itemized selection: You can choose individual items and services — you don't have to buy a "package."
• Third-party caskets: Funeral homes must accept caskets purchased elsewhere (e.g., online retailers) without charging a handling fee.
• No embalming requirement: Embalming is almost never required by law. Funeral homes cannot claim it's legally required unless it truly is in your situation.
• Alternative containers: For direct cremation, you must be offered an unfinished wood box or alternative container instead of a casket.

Common Violations

Despite the rule, some practices persist: bundling required services with optional ones, inflating casket prices to compensate for lower service fees, and applying pressure during emotional moments. Always request the GPL and take it home to review before committing.

How to File a Complaint

If a funeral home violates the Funeral Rule, you can file a complaint with the FTC at ftc.gov/complaint or call 1-877-FTC-HELP. State attorney general offices also handle funeral-related complaints.