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Houston Consumer Protection – State Consumer Laws

Hundreds of lenders do business in Texas. Every day, thousands of greater Houston and Galveston residents apply for secured loans, credit cards, personal loans and other credit vehicles. Thus, it is no exaggeration to say that credit plays a central role in the business law, consumer law, real estate law and the broader economy of the state of Texas. Without easy access to credit, business planning would simply grind to a halt.

Unfortunately, creditors that do business in Texas sometimes cut corners or openly violate state consumer protection regulations designed to curtail such behavior. Consumers can protect themselves by learning more about the consumer protection laws and resources at their disposal.

State Consumer Protection Resources in Texas

Texas’s core consumer protection resources include:

  • The Office of Consumer Credit Commissioner, a state agency that enforces applicable statutes and regulations
  • The Texas Deceptive Trade Practices Act, which prohibits certain types of fraudulent or misleading marketing and related activities
  • The Credit Services Organizations Act, a focused law that prohibits malfeasance on the part of credit-providing organizations
  • The Texas Attorney General’s office, which pursues larger-scale instances of illegal credit activity

Although Texas’s various state agencies and regulatory bodies do a commendable job of enforcing state consumer protection statutes, they simply do not have the resources to properly address all commercial, corporate and consumer matters brought to their attention. Even in cases that do receive a full hearing, it is possible for agencies or other authorities to arrive at an incorrect conclusion.

As such, individuals and small business owners facing illegal or abusive practices by their creditors must contact a Houston credit lawyer or business attorney to ensure that their concerns are properly heard – and properly redressed.

Work with a Seasoned Houston Consumer Protection Attorney

At the Law Offices of Lambert & Jakob, our principal attorneys have more than four decades of experience in various aspects of business law, commercial finance and commercial litigation. Simply put, we fully understand and believe in the importance of fair and equitable credit practices. Accordingly, we are committed to aggressively defending the rights of individuals and small business owners in any consumer law or corporate law action.

Whether you have a small Katy business that is under siege by unscrupulous creditors or wish to investigate your options for avoiding foreclosure or vehicle repossession in Stafford, our consummate business lawyers stand ready to investigate your case thoroughly and recommend the appropriate course of action.

Contact Us Today

To learn more about state consumer protection regulations, federal consumer protection regulations and other consumer law and corporate law matters related to mortgage credit and secured credit in Fort Bend, Waller and Harris County or any individual community in the greater Houston area, please call us at (713) 640-5700 or fill out the online contact form at your convenience.