Texas Deceptive Trade Practices Consumer Protection Act was created to protect consumers from any false, misleading, and deceptive business practices. If your bank and credit union has engaged in deceptive overdraft fee practices, you may have a legal claim.Texas has a set of laws that protect consumers called the "deceptive trade practices act (DTPA). The primary purpose of the DTPA is to protect consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and. Legislative Materials. Which they are made, not misleading, or engaging in an act, practice or course of business which operates or would operate as a fraud or deceit upon any person. Perform a contract between TCU and you. Perform a contract between TCU and you. The FTC's primary legal authority comes from Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices in the marketplace.