keeping you and your family safe

social media consumer laws

Most consumers are unaware that there are many federal and state laws that protect them from unfair and unconscionable business practices on social media. These laws are designed to help consumers sue for compensation without having to pay large attorney's fees if they win. In fact, the laws require merchants who lose these consumer cases to pay for the victim's attorney's costs and fees. In some cases, merchants that violate consumer laws are ordered to pay up to three times economic damages and emotional distress damages. For help figuring out what to do about these social media laws, see the Your Options page of this website.

Federal:

  • Uniform Deceptive Trade Practices Act (UDTPA)
  • Federal Trade Commission Act​
  • Fair Debt Collection Practices Act (FDCPA)
  • Liability for Lost or Stolen Credit Card - 15 United States Code § 1643
  • Liability for Unauthorized Credit Card Charge - 12 Code of Federal Regulations § 226.12
  • Liability for Lost or Stolen Debit Card - 15 United States Code § 1693
  • Billing Errors - 15 United States Code § 1666
  • Billing Error Rules - Code of Federal Regulations § 226.13
  • Credit Reporting - 15 United States Code § 1681


State: (Texas example)

  • Deceptive Trade Practices Act (DTPA): Prohibits deceptive trade practices that are false, misleading or deceptive. Consumers who win a DTPA lawsuit, are entitled to attorney's fees. If merchants acted "knowingly" or they can receive up to triple their damages.  Other consumer protections statutes tie in to the DTPA and allow consumers to sue under the DTPA for violation of those other statutes.   
  • Timeshare Act
  • Contest and Gift Giveaway Act
  • Business Opportunity Act
  • Health Spa Act
  • Regulation of Telephone Solicitation Act
  • Regulation of Consumer Reporting Agencies Act
  • Credit Services Organizations Act
  • Texas Insurance Code chapter 541: Prohibits false, deceptive and misleading acts and practices by the insurance industry. People who are injured by a violation of this law may recover damages, possibly up to three times damages, as well as attorneys' fees.
  • Debt Collection Act: Covers any conduct by a person trying to collect a consumer debt. It prohibits practices that are false, deceptive, harassing or abusive.  It supplements the federal Fair Debt Collection Practices Act that applies to only third party debt collectors who are collecting debts for someone else.
  • Motor Vehicle Warranty Performance Obligations (Lemon Law): Requires the manufacturer of that defective car to buy it back. A lemon is defined as a car that has a serious defect that has been reported within the warranty term and has not been repaired in a reasonable number of attempts. 
  • Manufactured Housing Standards Act: Protects consumers of mobile homes. 
  • Finance Code Title 4: Consumer Loans, Pawn Shops, Credit Sales of Goods and Services, Motor Vehicles and Manufactured Housing
  • Property Code Chapter 91 and Chapter 92: Landlord and Tenant
  • Residential Construction Liability Act: Establishes notice requirements that must be met before any lawsuit is filed against a home re-modeler or builder.  
  • Texas Fair Housing Act: Protects consumers in the housing market from unlawful discrimination.
  • Occupations Code: Regulates various professionals and industries, such as acupuncturists, dentists, health spas and credit services.


​​For more options, see the Your Options page of this website.   

All information on this website is for informational purposes only and is not legal advice. Ninomiya Law, PLLC and Kent Ninomiya only provide legal advice to clients when there is a valid engagement agreement signed by both attorney and clients. The principal office of Ninomiya Law, PLLC is located in Round Rock, Texas. Ninomiya Law, PLLC is responsible for the content of this website.