Texas Statutes
Subtitle A - Interest
Chapter 303 - Optional Rate Ceilings

Subchapter A. Rate Ceilings: Applicability, Computation, and Publication

Section 303.001. Use of Ceilings - Sec. 303.001. USE OF CEILINGS. (a) Except as provided by...

Section 303.002. Weekly Ceiling - Sec. 303.002. WEEKLY CEILING. The parties to a written agreement...

Section 303.003. Computation of Weekly Ceiling - Sec. 303.003. COMPUTATION OF WEEKLY CEILING. (a) The weekly ceiling...

Section 303.004. Monthly Ceiling - Sec. 303.004. MONTHLY CEILING. (a) The monthly ceiling may be...

Section 303.005. Computation of Monthly Ceiling - Sec. 303.005. COMPUTATION OF MONTHLY CEILING. (a) The consumer credit...

Section 303.006. Quarterly Ceiling - Sec. 303.006. QUARTERLY CEILING. (a) A written contract, including a...

Section 303.007. Annualized Ceiling - Sec. 303.007. ANNUALIZED CEILING. The annualized ceiling may be used...

Section 303.008. Computation of Quarterly and Annualized Ceiling - Sec. 303.008. COMPUTATION OF QUARTERLY AND ANNUALIZED CEILING. (a) On...

Section 303.009. Maximum and Minimum Weekly, Monthly, Quarterly, or Annualized Ceiling - Sec. 303.009. MAXIMUM AND MINIMUM WEEKLY, MONTHLY, QUARTERLY, OR ANNUALIZED...

Section 303.010. Computation of Ceiling if Information Unavailable - Sec. 303.010. COMPUTATION OF CEILING IF INFORMATION UNAVAILABLE. If any...

Section 303.011. Publication of Rate Ceilings - Sec. 303.011. PUBLICATION OF RATE CEILINGS. (a) The consumer credit...

Section 303.012. Judicial Notice - Sec. 303.012. JUDICIAL NOTICE. A court may take judicial notice...

Section 303.013. Determination of Ceiling for Contract to Renew or Extend Debt Payment - Sec. 303.013. DETERMINATION OF CEILING FOR CONTRACT TO RENEW OR...

Section 303.014. Rate for Lender Credit Card Agreement With Merchant Discount - Sec. 303.014. RATE FOR LENDER CREDIT CARD AGREEMENT WITH MERCHANT...

Section 303.015. Variable Rate - Sec. 303.015. VARIABLE RATE. (a) The parties to a contract,...

Section 303.016. Charging of Rate Lower Than Agreed Rate - Sec. 303.016. CHARGING OF RATE LOWER THAN AGREED RATE. A...

Section 303.017. Various Charges on Consumer Loans Made by Particular Lenders - Sec. 303.017. VARIOUS CHARGES ON CONSUMER LOANS MADE BY PARTICULAR...

Subchapter B. Open-End Accounts

Section 303.101. Open-End Account: Ceilings - Sec. 303.101. OPEN-END ACCOUNT: CEILINGS. (a) To use the quarterly...

Section 303.102. Variable Rate Open-End Account: Ceilings - Sec. 303.102. VARIABLE RATE OPEN-END ACCOUNT: CEILINGS. The applicable rate...

Section 303.103. Open-End Account: Change of Agreement Term - Sec. 303.103. OPEN-END ACCOUNT: CHANGE OF AGREEMENT TERM. (a) An...

Section 303.104. Disclosure of Decrease in Interest Rate Not Required on Open-End Accounts Involving Credit Card Transaction or Merchant Discount - Sec. 303.104. DISCLOSURE OF DECREASE IN INTEREST RATE NOT REQUIRED...

Section 303.105. Open-End Account: Disclosure of Certain Rate Variations - Sec. 303.105. OPEN-END ACCOUNT: DISCLOSURE OF CERTAIN RATE VARIATIONS. (a)...

Section 303.106. Open-End Account: Ceiling for Plan or Arrangement - Sec. 303.106. OPEN-END ACCOUNT: CEILING FOR PLAN OR ARRANGEMENT. If...

Subchapter C. Provisions Applicable to Certain Consumer Loans and Secondary Mortgage Loans

Section 303.201. License Required - Sec. 303.201. LICENSE REQUIRED. A person engaged in the business...

Section 303.202. Applicability of Subtitle B - Sec. 303.202. APPLICABILITY OF SUBTITLE B. Except as inconsistent with...

Section 303.203. Automobile Club Membership Offered in Connection With a Loan - Sec. 303.203. AUTOMOBILE CLUB MEMBERSHIP OFFERED IN CONNECTION WITH A...

Subchapter D. Limitations on Applicability of Chapter

Section 303.301. Agreement to Which Chapter Does Not Apply - Sec. 303.301. AGREEMENT TO WHICH CHAPTER DOES NOT APPLY. The...

Section 303.302. Requirements Inconsistent With Federal Law - Sec. 303.302. REQUIREMENTS INCONSISTENT WITH FEDERAL LAW. (a) A person...

Subchapter E. Enforcement

Section 303.401. When Act or Omission Not Violation - Sec. 303.401. WHEN ACT OR OMISSION NOT VIOLATION. An act...

Section 303.402. Penalty for Violation of Chapter for Certain Contracts Subject to Subtitle B - Sec. 303.402. PENALTY FOR VIOLATION OF CHAPTER FOR CERTAIN CONTRACTS...

Section 303.403. Penalty for Violation of Ceiling in Certain Contracts - Sec. 303.403. PENALTY FOR VIOLATION OF CEILING IN CERTAIN CONTRACTS....

Section 303.404. Enforcement by Consumer Credit Commissioner - Sec. 303.404. ENFORCEMENT BY CONSUMER CREDIT COMMISSIONER. Subject to Subchapter...

Section 303.405. Examination of Records; Inspections; Rules - Sec. 303.405. EXAMINATION OF RECORDS; INSPECTIONS; RULES. (a) Section 342.552...

Section 303.406. Enforcement by Credit Union Commissioner - Sec. 303.406. ENFORCEMENT BY CREDIT UNION COMMISSIONER. The credit union...

Section 303.407. Enforcement by Texas Department of Insurance - Sec. 303.407. ENFORCEMENT BY TEXAS DEPARTMENT OF INSURANCE. The Texas...

Subchapter F. Effect on Other Statutes of Using Optional Rate

Section 303.501. Applicability of Credit Union Act - Sec. 303.501. APPLICABILITY OF CREDIT UNION ACT. Except as inconsistent...

Section 303.502. Applicability of Chapter 24, Insurance Code - Sec. 303.502. APPLICABILITY OF CHAPTER 24, INSURANCE CODE. (a) Except...