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State consumer-law reference center

New Mexico

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Section inventory23 entries
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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

23 section entries
Legal review pending

New Mexico Unfair Practices Act

N.M. Stat. Ann. §§ 57-12-1–57-12-22

The complete 23-entry inventory was checked against a current 2025 code publication. Direct links provide section-level reading access, but the New Mexico Compilation Commission’s official current text and 2026 session changes must be confirmed before reliance.

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N.M. Stat. Ann. § 57-12-2

Definitions

Defines unfair or deceptive trade practices, unconscionable trade practices, goods, services, and other terms.

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N.M. Stat. Ann. § 57-12-3

Unfair, deceptive, and unconscionable practices prohibited

Declares covered unfair, deceptive, and unconscionable trade practices unlawful.

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N.M. Stat. Ann. § 57-12-3.1

Unauthorized use of delivery containers

Prohibits specified unauthorized possession or use of marked delivery containers.

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N.M. Stat. Ann. § 57-12-4

Interpretation

Addresses interpretation of the Act in relation to federal consumer-protection decisions.

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N.M. Stat. Ann. § 57-12-6

Motor-vehicle misrepresentation

Addresses specified motor-vehicle misrepresentations and related penalties.

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N.M. Stat. Ann. § 57-12-8

Restraint and public remedies

Authorizes actions to restrain prohibited conduct and obtain specified relief.

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N.M. Stat. Ann. § 57-12-10

Private remedies

Provides qualifying private damages, injunctive relief, fees, and class-action rules; review current law before asserting a claim.

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N.M. Stat. Ann. § 57-12-12

Civil investigative demand

Authorizes and regulates investigative demands for documents, answers, and testimony.

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N.M. Stat. Ann. § 57-12-16

Advertising media excluded

Provides a limited exclusion for specified advertising media without knowledge of unlawful content.

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N.M. Stat. Ann. § 57-12-17

Issuance of ne exeat

Addresses court process intended to prevent a covered person from leaving the jurisdiction under specified circumstances.

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N.M. Stat. Ann. § 57-12-19

Hearing after incarceration

Provides a hearing procedure following incarceration under specified Act enforcement process.

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N.M. Stat. Ann. § 57-12-21

Door-to-door sales

Provides contract, disclosure, cancellation, and prohibited-practice rules for qualifying door-to-door sales.

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N.M. Stat. Ann. § 57-12-22

Telephone solicitation sales

Regulates automated dialing and telephone solicitations, disclosures, and prohibited conduct.

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Research map

New Mexico consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • N.M. Stat. Ann. §§ 57-12-1–57-12-22
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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