no u cannot get banned for textures/skins. steam allows it and so does aIW. use a program like winrar or (recommended) pakscape to put the files u downloaded into the specific .iwd file from yer mw2/main folder.
sir i do it with winrar and put in the folder but nothing come in the game.
first i .rar it whit winrar then i put as u siad in the mian folder but nothing comes.