STATE PROMOTIONAL CONSUMER INFO

California

California law requires that all sweepstakes and contests must clearly disclose the rules, details of participation, and any consideration required to enter. The state prohibits "consideration" that might turn a sweepstakes into illegal gambling. No purchase or payment is allowed to increase one's chances of winning.

Consumer Protection Laws: The California Consumer Privacy Act (CCPA) gives residents the right to know what personal data is being collected about them, to delete personal data held by businesses, and to opt-out of the sale of personal data. Businesses must disclose their data collection and sharing practices to consumers.

Advertising and Marketing Laws: California's False Advertising Law prohibits misleading or deceptive advertising practices. This includes making false claims about products or services, bait-and-switch tactics, and other deceptive practices.

Online and E-commerce Regulations: The California Online Privacy Protection Act (CalOPPA) requires commercial websites and online services that collect personal information on California residents to post a privacy policy that complies with specific information disclosure requirements.

Florida

Florida strictly prohibits requiring entrants to make a purchase or pay a fee as a condition for participating or winning, distinguishing legal sweepstakes from illegal lotteries.

Consumer Protection Laws: The FDUTPA serves as Florida's primary consumer protection mechanism, prohibiting unfair, deceptive, or unconscionable acts or practices in the conduct of any trade or commerce. This broad statute is designed to protect consumers and legitimate business enterprises from those who engage in unfair methods of competition, or unconscionable, deceptive, or unfair acts or practices in the conduct of any trade or commerce.

Advertising and Marketing Laws: Advertising and marketing in Florida must be truthful and non-deceptive, with all significant conditions and terms of offers clearly disclosed to consumers. The FDUTPA covers advertising practices, ensuring that businesses do not engage in misleading or false advertising, bait-and-switch tactics, or other deceptive practices.

Georgia

In Georgia, sweepstakes and contests must clearly outline the terms and conditions of participation, ensuring transparency and fairness. The state's laws distinguish between legal sweepstakes and illegal lotteries by prohibiting mandatory purchases or payments as a condition to enter or win, except in cases where the promotion is clearly for charitable purposes and complies with the Georgia Charitable Solicitations Act.

Consumer Protection Laws: The Georgia Fair Business Practices Act (FBPA) protects consumers from unfair and deceptive practices in consumer transactions. This includes false or misleading representations about products or services, and it applies broadly to various sales and advertising practices, including promotional giveaways.

Advertising and Marketing Laws: Advertising must not be deceptive or misleading, and claims must be substantiated. Georgia enforces these principles through the FBPA and through specific regulations governing advertising practices, such as the requirement for clear and conspicuous disclosure of material terms in offers.

Kansas

Kansas law mandates clear disclosure of the rules and conditions for sweepstakes and contests, ensuring that no purchase is necessary to enter or win, thereby distinguishing legal promotions from illegal lotteries. The Kansas Consumer Protection Act (KCPA) provides the regulatory framework to prevent deceptive and unfair practices in these promotions.

Consumer Protection Laws: The KCPA is designed to protect consumers from deceptive and unconscionable practices in consumer transactions. It covers a wide range of activities, including advertising, sales, and promotional giveaways, ensuring that businesses operate in a manner that is fair and transparent to consumers.

Advertising and Marketing Laws: In Kansas, advertising must be truthful and non-deceptive, with all material aspects of an offer clearly disclosed. The KCPA, along with specific regulations related to advertising, guides businesses in maintaining honest communication with consumers, prohibiting practices such as bait-and-switch advertising and false claims.

Michigan

Michigan law requires transparency in sweepstakes and contests, mandating clear disclosure of rules, entry conditions, and prize details. The Michigan Penal Code prohibits requiring payment or purchase for participation in such promotions, distinguishing legal sweepstakes from illegal lotteries. The state also has specific regulations under the Michigan Consumer Protection Act to prevent deceptive practices in these promotions.

Consumer Protection Laws: The Michigan Consumer Protection Act (MCPA) is designed to protect consumers from unfair, unconscionable, or deceptive trade practices, including false advertising, fraud, and misrepresentation in consumer transactions. This broad statute covers various aspects of sales practices and promotional activities, ensuring businesses operate with transparency and integrity.

Advertising and Marketing Laws: Advertisements and marketing practices in Michigan must not be misleading or deceptive, with all material terms of offers clearly disclosed. The MCPA and other related statutes provide the framework for what constitutes fair advertising, including guidelines for comparative advertising, endorsement claims, and the availability of advertised products.

Minnesota

Minnesota statutes require clear and conspicuous disclosure of the rules, terms, and conditions for sweepstakes and contests, ensuring that such promotions are not deceptive and do not constitute illegal lotteries. The Minnesota Prevention of Consumer Fraud Act, along with the Deceptive Trade Practices Act, mandates that no purchase or payment is necessary to enter or win, safeguarding the integrity of promotional activities.

Consumer Protection Laws: The Minnesota Prevention of Consumer Fraud Act, together with the Uniform Deceptive Trade Practices Act, provides broad protections against fraudulent, deceptive, and misleading practices in consumer transactions. This includes regulations that impact advertising, sales practices, and promotional activities, ensuring that businesses engage in fair and transparent dealings with consumers.

Advertising and Marketing Laws: Advertising in Minnesota must be truthful and not misleading, with all significant terms of an offer clearly presented to avoid deception. The state's consumer protection laws strictly regulate these practices, prohibiting false advertising, bait-and-switch tactics, and other forms of deceptive marketing.

Missouri

Missouri law requires that sweepstakes and contests clearly disclose the rules, terms, and conditions of participation, ensuring fairness and transparency. The state differentiates between lawful sweepstakes and illegal gambling by prohibiting the requirement of a purchase or payment as a condition of entry or winning, in line with the Missouri Merchandising Practices Act (MMPA).

Consumer Protection Laws: The MMPA protects consumers against deceptive, fraudulent, and unfair business practices. This act covers a broad spectrum of consumer transactions, including promotional activities, advertising, and sales practices, ensuring that businesses conduct themselves in a manner that is not misleading to consumers.

Advertising and Marketing Laws: Advertising in Missouri must be truthful and non-deceptive, with all material terms of an offer clearly disclosed to consumers. The MMPA governs these practices, prohibiting false promises, misrepresentations, and other deceptive practices in advertising and marketing.

Nevada

Nevada law requires that all sweepstakes and contests clearly disclose their rules, eligibility requirements, and terms of participation to ensure fairness and transparency. The Nevada Deceptive Trade Practices Act (NDTPA) prohibits practices that would render a sweepstakes or contest deceptive, such as requiring a purchase or payment as a condition for entry or winning, effectively distinguishing legal promotional activities from illegal lotteries.

Consumer Protection Laws: The NDTPA protects consumers from deceptive and unfair business practices in a broad range of transactions, including advertising, sales, and promotional activities. This includes protections against false advertising, bait-and-switch tactics, and other forms of deceptive marketing.

Advertising and Marketing Laws: In Nevada, advertising and marketing communications must be truthful, non-deceptive, and clearly disclose all material terms and conditions of an offer. The NDTPA enforces these standards, ensuring that businesses provide consumers with clear and accurate information to make informed decisions.

New York

New York law requires clear disclosure of sweepstakes and contest rules, ensuring that no purchase or payment is necessary to enter or win, thereby distinguishing these promotions from illegal gambling. The New York General Business Law governs games of chance and skill, imposing specific requirements for registration and bonding for certain types of sweepstakes and contests, especially those involving large prizes.

Consumer Protection Laws: The New York State Consumer Protection Act prohibits deceptive acts and practices in the conduct of any business, trade, or commerce or in the furnishing of any service in the state. This includes a broad range of unfair or misleading practices in advertising, sales, and promotional activities, ensuring that consumers are treated fairly and honestly.

Advertising and Marketing Laws: New York enforces strict standards for advertising and marketing to ensure they are not deceptive or misleading. Material terms of offers must be clearly and conspicuously disclosed. The Attorney General’s office actively pursues cases against false advertising and misleading marketing practices under both the Consumer Protection Act and other relevant statutes.

Tennessee

Tennessee law requires that sweepstakes and contests clearly disclose their rules, terms, and conditions, ensuring transparency and fairness. The Tennessee Consumer Protection Act (TCPA) prohibits deceptive acts in these promotions, such as requiring a purchase or payment as a condition of entry or winning, which would classify the promotion as an illegal lottery.

Consumer Protection Laws: The TCPA is designed to protect consumers from unfair and deceptive business practices across a wide range of transactions, including sales, advertising, and promotional activities. This act provides a legal framework to address issues such as false advertising, misleading representations, and other deceptive practices.

Advertising and Marketing Laws: In Tennessee, advertising and marketing efforts must be truthful and non-deceptive, with all material terms of an offer clearly disclosed. The TCPA addresses these requirements by prohibiting false, misleading, or deceptive acts or practices in the conduct of any trade or commerce.

Texas

Texas law stipulates that sweepstakes and contests must transparently disclose their rules, terms, and eligibility criteria to avoid being classified as illegal lotteries. The Texas Deceptive Trade Practices-Consumer Protection Act (DTPA) ensures that these promotions do not involve deceptive practices. Entrants should not be required to make a purchase or payment as a condition for participation or winning, safeguarding the legality of such promotional activities.

Consumer Protection Laws: The DTPA is the primary statute in Texas aimed at protecting consumers from false, misleading, or deceptive business practices, unconscionable actions, and breaches of warranty. This broad legislation covers various aspects of consumer transactions, including advertising, sales, and promotional activities, to ensure fair and honest dealings.

Advertising and Marketing Laws: In Texas, advertising and marketing must be truthful and not misleading, and all material terms of an offer should be clearly and conspicuously disclosed. The DTPA addresses these concerns by prohibiting false, misleading, or deceptive acts or practices in the conduct of any trade or commerce.

Washington DC

In Washington D.C., the Consumer Protection Procedures Act (CPPA) governs the conduct of sweepstakes and contests, requiring clear and conspicuous disclosure of all terms, conditions, and rules. The law distinguishes legal sweepstakes from illegal lotteries by prohibiting the requirement of a purchase or payment as a condition of participation or winning. This ensures that promotions are conducted fairly and transparently.

Consumer Protection Laws: The CPPA is a comprehensive statute designed to protect consumers from a wide range of deceptive, unfair, and unconscionable business practices. This includes, but is not limited to, fraudulent misrepresentations, bait-and-switch advertising, and other deceptive marketing and sales tactics. The Act provides broad protection to consumers in transactions for goods and services within the District.

Advertising and Marketing Laws: Advertising and marketing practices in D.C. must adhere to the CPPA's prohibition against deceptive and misleading practices. Advertisers must ensure that all material information about products or services is clearly and accurately presented, avoiding any practices that could mislead or deceive consumers.

Massachusetts

Massachusetts law requires clear and detailed disclosure of the rules for sweepstakes and contests, ensuring that participants are fully informed about entry methods, eligibility, and prize details. The Massachusetts Attorney General's regulations on games of chance distinguish legal sweepstakes from illegal lotteries by prohibiting mandatory purchases or payments as a condition of entry or winning.

Consumer Protection Laws: The Massachusetts Consumer Protection Act, known as Chapter 93A, prohibits unfair or deceptive acts or practices in trade or commerce. This broad statute covers a wide range of consumer transactions, including promotional activities, advertising, and sales practices, to ensure fairness and transparency for consumers.

Advertising and Marketing Laws: Under Chapter 93A and related regulations, advertising and marketing in Massachusetts must be truthful and not misleading. This includes clear disclosure of all material terms of an offer and prohibitions against deceptive practices such as bait-and-switch tactics, false claims, and misleading representations.

Connecticut

The CUTPA serves as the primary statute to protect consumers against unfair and deceptive practices in commerce and trade. This includes a wide range of consumer transactions, covering sales, advertising, and promotional activities, ensuring businesses conduct themselves in a manner that is fair and not misleading to consumers.

Advertising and Marketing Laws: In Connecticut, advertising and marketing must be truthful and non-deceptive, with all material terms of an offer clearly disclosed. CUTPA enforces these standards, prohibiting false, misleading, or deceptive acts or practices in advertising and marketing, including bait-and-switch tactics and false claims.

Online and E-commerce Regulations: While Connecticut does not have a comprehensive state-specific law like the California Consumer Privacy Act (CCPA) for online privacy, businesses must still adhere to federal privacy laws and best practices. This includes transparent privacy policies, secure handling of consumer data, and compliance with e-commerce regulations.

Additional State & Federal Guidelines

We have only listed a small number of the state regulations - please refer to your own state's guidelines for guidance on any sales, marketing, or other activity you may have questions about.

ALL STATE AND FEDERAL AGENCIES RECOMMEND:

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USA.Gov

USA.gov A consumer protection site that provides information on scam types, fraud protection resources, and action steps for qualifying consumer problems.

Consumer.gov

Provides basic consumer protection information.

Helpwithmybank.gov

A website that offers answers to common questions, complaint filing, and other assistance.

NCLC.org

A website provides answers on loan and interst usury issues

OCC.org

A website that offers answers to common questions, complaint filing, and other assistance.

consumerfinance.gov

You can find your state or local agency that receives and investigates reports of suspected elder financial exploitation by using the online Eldercare Locator

Dept of Justice https://www.justice.gov/civil/consumer-protection-branch

The Consumer Protection Branch leads Department of Justice efforts to enforce laws that protect Americans' health, safety, economic security, and identity ...

State Offices - Attorney General

If you feel you have exhausted the above item(s), various state attorneys general offices are always available to assist.