On June 18, 2026, Pennsylvania Attorney General (AG) Dave Sunday announced a settlement with Infinity Dental Management, LLC, which operated as Alpha Dental Excellence, a southeastern Pennsylvania-based dental group, as well as a related entity and the company’s owner, over alleged deceptive sales practices involving elderly and low-income patients.

The Alleged Conduct

The AG’s investigation, initiated after receiving multiple consumer complaints, allegedly uncovered that Alpha Dental used aggressive marketing and sales tactics, including hosting “free dinner events” to lure elderly consumers into purchasing expensive dental services, while misrepresenting that those services would be covered by Medicare. Traditional Medicare does not cover dental services, and Alpha Dental allegedly either never submitted claims to Medicare for reimbursement, or, when it did, those claims were routinely denied.

The AG also alleged that Alpha Dental was pressuring patients who were unable to afford out-of-pocket payments to take out loans from third-party lenders. According to the AG, the company routinely failed to provide disclosures and notices required by Pennsylvania law, submitted some loan applications without the patient’s knowledge or consent, falsified loan applications, and assessed unlawful cancellation fees.

The Settlement

Under the settlement, Alpha Dental will pay $1 million over time, including approximately $517,017 in restitution to impacted consumers, $232,983 in civil penalties, and $250,000 in investigation costs. An additional $2,462,400 in penalties has been suspended, meaning that the suspended amount will become due only if a court finds a material breach of the settlement agreement.

The settlement also prohibits the defendants from making fraudulent, deceptive, or misleading representations regarding insurance coverage, financing options, payment options, or consumer billing; misrepresenting their status, affiliation, or participation with Medicare or other insurers; falsely advertising or representing the availability of insurance coverage or reimbursements; using high-pressure sales tactics when offering financing; charging consumers cancellation fees if they cancel a contract to finance services within five days; and providing advice or assistance to consumers in obtaining credit beyond informing consumers that such credit is optional and available from third parties. In addition, the defendants must verify consumers’ insurance coverage before providing services, comply with certain processes for presenting financing options, and maintain appropriate records.

The settlement was filed in Bucks County Court of Common Pleas and requires court approval.

Why It Matters

This settlement illustrates how a traditional unfair and deceptive acts and practices (UDAP) action can encompass multiple hot-button issues that AGs across the U.S. are actively scrutinizing. The Alpha Dental matter combines allegations relating to several areas of particular concern: deceptive marketing, exploitation of elderly and vulnerable consumers, assessment of unlawful fees, and misuse of third-party financing arrangements.

AGs have increasingly focused on businesses that allegedly use third-party financing as a tool to push consumers, particularly those of limited means, into debt. The alleged conduct here, including submitting loan applications without patient consent and failing to provide required cancellation rights, signals that regulators view third-party financing not as a neutral payment option, but as a potential vehicle for consumer harm when improperly administered.

Businesses that market to elderly or low-income consumers, make representations about insurance or government program coverage, or facilitate third-party financing arrangements should carefully review their practices. Ensuring that financing options are presented transparently, that consumers provide informed and documented consent, that any fees are properly disclosed and permissible under applicable law, and that all required disclosures and cancellation rights are provided are critical steps to reducing regulatory and legal exposure.

Troutman Pepper Locke State Attorneys General Team

	Ashley Taylor – Co-leader and Firm Vice Chair Ashley is co-leader of the firm’s nationally ranked State Attorneys General practice, vice chair of the firm, and a partner in its Regulatory Investigations, Strategy + Enforcement (RISE) Practice Group. He helps his clients navigate the complexities involved with multistate attorneys general investigations and enforcement actions, federal agency actions, and accompanying litigation.
	Clay Friedman – Co-leader Clay co-leads the firm’s State Attorneys General practice and is nationally ranked by Chambers USA for AG Government Relations and in Best Lawyers for Advertising Law. He has dedicated his entire career to state attorney general and federal work, serving for nearly a decade in a senior role and more than 25+ years in private practice. Clay focuses his practice on helping industry-leading companies mitigate the risks associated with state and federal regulatory investigations and associated litigation.
	Chris Carlson Chris advises clients on regulatory, civil, and criminal investigations and litigation. With a background as an assistant attorney general, he provides practical guidance to clients with matters involving state attorneys general and federal regulatory agencies.
	Lauren Fincher Lauren has vast experience handling state attorneys general investigations, navigating complex regulatory compliance matters, and providing strategic counsel in enforcement actions across various industries. She helps clients manage high-stakes regulatory matters and guides them through complex legal landscapes.
	Stephen Piepgrass Stephen leads the firm’s Regulatory Investigations, Strategy + Enforcement (RISE) Practice Group, representing clients in single and multistate enforcement actions, including inquiries and investigations, as well as litigation involving state attorneys general and other state and federal governmental enforcement bodies. He has significant experience handling actions with federal agencies, including the CFPB and FTC, as well as single plaintiff and class action litigation for clients in highly regulated sectors such as financial services, health care, pharmaceutical, and education.
	Michael Yaghi Mike handles high-profile state attorneys general, FTC, and CFPB investigations by advising clients through these complex government inquiries. He assists clients through the entire life cycle of investigations, from regulatory enforcement through formal litigation.
	Matthew J. Berns Drawing on his experience in senior leadership roles in the New Jersey Attorney General’s and Governor’s Offices and as a trial attorney for the U.S. Department of Justice, Matt provides an insider’s perspective when guiding clients through complex government investigations, litigation, and other actions.
	Samuel E. “Gene” Fishel Gene is a former regulator with two decades of experience who has overseen state privacy and cybersecurity regulation enforcement, led national, multistate attorneys general privacy investigations, and prosecuted computer crimes at the state and federal levels. He has served at the forefront of state attorney general and federal enforcement, and utilizes this experience to proficiently represent client interests.
	Jeff Johnson Jeff helps clients navigate complex regulatory and litigation challenges with local, state, and federal authorities. His clients benefit from his decade of broad litigation experience, understanding of emerging state and federal regulatory issues, and strong relationships with attorneys general across the U.S. In addition to handling cases from trial through state or federal appeals, Jeff serves as amicus counsel in advancing legal rules to support his clients’ vital interests.
	Jay Myers Jay assists clients in heavily regulated industries, including health care, energy, insurance, emerging industries, and data privacy. He provides both regulatory legal advice and government relations strategies. Jay’s past and current clients include Fortune 10 companies, startups, nonprofits, industry associations, and advocacy groups. Recognizing that state government matters are often complex and multifaceted, he utilizes regulatory guidance, government advocacy, or both in tandem to deliver tailored solutions for each client’s unique needs.
	Zoe Schloss Zoe represents clients in litigation and government investigations. As former deputy attorney general for the Delaware Department of Justice, she is an experienced litigator who understands the enforcement priorities that impact her clients. Zoe works with individuals and corporate entities in highly regulated industries, including financial services, health care, and energy.
	Jessica Birdsong Jessica is an associate in the firm’s Regulatory Investigations, Strategy + Enforcement Practice Group. She received her J.D. from the University of Richmond School of Law, magna cum laude, where she served as associate articles editor of the Journal of Law & Technology.
	Sydney Goldberg Sydney is an associate in the firm’s Regulatory Investigations, Strategy + Enforcement (RISE) Practice Group. She has additional experience assisting with corporate transactions and finance matters.
	Troy Homesley Troy is an accomplished litigator who has represented and defended clients across a wide range of complex, high-stakes disputes at both the trial and appellate levels. He has represented technology companies, business executives, law firms, investment funds, high-ranking federal officials, international non-profits, and asylum seekers. Troy draws on his broad litigation experience to advise clients before litigation arises, while claims are pending or threatened, and leading up to and through trial and appeals.
	Namrata Kang Namrata (Nam) is an associate in the firm’s Regulatory Investigations, Strategy + Enforcement (RISE) Practice Group, based in the Washington, D.C. office. She routinely advises clients on a wide variety of state and federal regulatory matters, with a particular emphasis on state consumer protection laws relating to consumer financial services and marketing and advertising. Nam’s experience transcends multiple industries, including financial services, telecommunications, media, and sports betting.
	Michael Lafleur Michael is an associate in the firm’s Regulatory Investigations, Strategy, and Enforcement Practice Group. Based out of the firm’s Boston office, Mike has deep experience in litigation, investigations, and other regulatory matters involving state-level regulators and state attorneys general.
	William LaRosa Bill represents clients in complex regulatory investigations, state attorneys general matters, and enforcement proceedings, drawing on his experience as a former assistant U.S. attorney and private sector litigator in high stakes, multistate AG and regulatory matters.
	Philip Nickerson Philip represents clients in sectors such as financial, tech, real estate, and energy in a range of litigation matters. He is experienced in matters involving trade secrets, government investigations, commercial contracts, construction and product defect.
	Lane Page Lane specializes in federal and state regulatory investigations and complex civil litigation. He focuses on representing financial institutions and other businesses, with a particular emphasis on consumer protection and fair lending issues.
	Dascher Pasco Dascher is an attorney within the Regulatory Investigations, Strategy, and Enforcement practice, based in the Richmond office. She joined our firm after working in personal injury and medical malpractice for a Virginia trial law firm. Dascher brings varied legal experience to the firm with strong litigation and regulatory strategy capabilities.
	Kyara Rivera Rivera Kyara is an associate in the firm’s Regulatory Investigations, Strategy + Enforcement Practice Group. She received her J.D. from the University of Richmond School of Law, cum laude, where she served as publications and online editor of the Public Interest Law Review.
	Timothy Shyu Timothy is an associate in the firm’s Regulatory Investigations, Strategy + Enforcement Practice Group.
	Trey Smith Trey focuses his practice on representing and advising regulated utilities before state public utility commissions. He routinely helps clients obtain certificates of public convenience and necessity for transmission infrastructure. In this role, Trey works with his clients’ subject-matter experts to manage administrative proceedings, including by preparing initial filings; responding to discovery requests; drafting rebuttal testimony; and litigating any disputed issues.
	Daniel Waltz Dan helps clients navigate all aspects highly regulated relationships between industry participants and federal, state and local governments. Whether engaging with regulators, negotiating transactions or representing clients in the courtroom, he delivers solutions that help his clients achieve their strategic goals.
	Stephanie Kozol Stephanie is Troutman Pepper Locke’s senior government relations manager in the state attorneys general department.