The federally mandated right of recission applies to credit transactions:
Electronic Code of Federal Regulations:+
(a)
Consumer's right to rescind. (1) In a credit transaction in which a security interest is or will be retained or acquired in a consumer's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph (f) of this section.47
Try researching
right of recission for RI and MA to see if there is any more comprehensive local laws. You can always try and bluff your way by sending them a cancellation notice as per your Right of Recission.