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DisputeAI

© 2026 Pointify Travel Technologies LLC. All rights reserved.

Part of the DebtShield family of products.

    All states
    NM Consumer Protection

    New Mexico Billing Dispute Laws

    New Mexico residents are protected by the Unfair Practices Act (N.M. Stat. § 57-12-1), plus federal laws like the FCBA, EFTA, and FTC Act. DisputeAI automatically cites the right statutes for your New Mexico dispute.

    Auto-Renewal Law

    Not specifically enacted

    Medical Billing Protection

    Not specifically enacted

    Treble Damages

    Available in New Mexico

    Private Right of Action

    Available in New Mexico

    Key Consumer Protection Laws in New Mexico

    Unfair Practices Act

    N.M. Stat. § 57-12-1

    New Mexico's primary consumer protection statute. Prohibits unfair and deceptive business practices including misleading billing, hidden fees, and unauthorized charges. Allows up to treble (3x) damages in successful claims. Consumers can file private lawsuits under this statute.

    Federal Protections (Apply in New Mexico)

    • Fair Credit Billing Act (15 USC § 1666) — credit card disputes
    • Electronic Fund Transfer Act (15 USC § 1693) — debit card disputes
    • FTC Click-to-Cancel Rule (16 CFR Part 425) — subscription cancellation
    • FTC Act § 5 (15 USC § 45) — unfair/deceptive practices
    • No Surprises Act — medical billing protection
    • FDCPA (15 USC § 1692) — debt collection disputes

    New Mexico Office of the Attorney General — File consumer complaints with your state AG if a company does not respond to your demand letter. DisputeAI can generate a State AG complaint letter as part of the escalation engine.

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    Generate a New Mexico Dispute Letter

    DisputeAI automatically cites N.M. Stat. § 57-12-1 and relevant federal laws