Scams & Consumer Issues in Massachusetts
Key Massachusetts Law
Massachusetts General Laws Chapter 93A (Consumer Protection Act)
Massachusetts General Laws Chapter 93A prohibits unfair or deceptive acts or practices in trade or commerce. It is one of the strongest consumer protection statutes in the United States, allowing mandatory treble damages and attorney fees for knowing or willful violations.
View official statuteProcedural Details in Massachusetts
Massachusetts Agencies & Resources
Massachusetts Attorney General — Consumer Protection Division
Enforces Chapter 93A and accepts consumer fraud complaints from Massachusetts residents.
Massachusetts Office of Consumer Affairs and Business Regulation (OCABR)
Administers the Home Improvement Contractor (HIC) registration program and handles contractor complaints.
Frequently Asked Questions
What makes Massachusetts Chapter 93A exceptional?
Chapter 93A requires sending a 30-day demand letter before filing suit, which often leads to early settlement. More significantly, knowing or willful violations result in mandatory treble damages (2-3x actual damages) — not discretionary as in most states. Attorney fees are also mandatory for prevailing consumers, making legal representation accessible for smaller cases.
What is the 30-day demand letter requirement in Massachusetts?
Before filing a Chapter 93A lawsuit, consumers must send a written demand letter to the business describing the unfair act and the relief sought. The business has 30 days to make a reasonable offer to settle. If the offer is reasonable and the consumer rejects it, the consumer's recovery may be limited. If no reasonable offer is made, treble damages remain available.
Does Massachusetts require home improvement contractors to register?
Yes. Under MGL Chapter 142A, home improvement contractors must be registered with OCABR. Registered contractors (HIC program) must provide written contracts for work over $1,000 and give consumers a 3-day cancellation right. Verify HIC registration at mass.gov/ocabr.
What is the statute of limitations for Chapter 93A claims?
Four years from the date of the deceptive act under MGL Chapter 260 Section 5A.
Related Scams & Consumer Issues Scenarios
Can I sue if I was scammed in an online purchase?
Understanding your options when you've been defrauded in an online transaction.
Can I sue a contractor who took money and disappeared?
Understanding your options when dealing with fraudulent or disappearing contractors.
Can I sue for investment or securities fraud?
Legal options for investors who lost money due to fraudulent investment advice or schemes.
Can I sue when VA benefits claims are wrongly denied?
Legal options when veterans receive improper denials of VA benefits or face delays in processing.
Have a Specific Situation in Massachusetts?
Every situation is unique. Try our educational assessment tool for guidance based on your specific circumstances.