Texas Statutes
Subtitle B - Loans and Financed Transactions
Chapter 345 - Retail Installment Sales

Section 345.008. Applicability of Other Statutes to Retail Installment Transaction - Sec. 345.008. APPLICABILITY OF OTHER STATUTES TO RETAIL INSTALLMENT TRANSACTION....

Section 345.009. Disclosure Requirements if Conflict With Federal Law - Sec. 345.009. DISCLOSURE REQUIREMENTS IF CONFLICT WITH FEDERAL LAW. If...

Subchapter B. Retail Installment Contract

Section 345.051. Retail Installment Contract General Requirements - Sec. 345.051. RETAIL INSTALLMENT CONTRACT GENERAL REQUIREMENTS. (a) A retail...

Section 345.052. Contents of Contract - Sec. 345.052. CONTENTS OF CONTRACT. (a) A retail installment contract...

Section 345.053. Disclosure of Promise to Compensate for Referral - Sec. 345.053. DISCLOSURE OF PROMISE TO COMPENSATE FOR REFERRAL. (a)...

Section 345.054. Time Price Differential for Contract - Sec. 345.054. TIME PRICE DIFFERENTIAL FOR CONTRACT. A retail installment...

Section 345.055. Time Price Differential for Contract Payable in Equal Monthly Payments - Sec. 345.055. TIME PRICE DIFFERENTIAL FOR CONTRACT PAYABLE IN EQUAL...

Section 345.056. Use of Optional Ceiling - Sec. 345.056. USE OF OPTIONAL CEILING. As an alternative to...

Section 345.057. Time Price Differential for Other Contracts - Sec. 345.057. TIME PRICE DIFFERENTIAL FOR OTHER CONTRACTS. A retail...

Section 345.058. Minimum Time Price Differential for Contract - Sec. 345.058. MINIMUM TIME PRICE DIFFERENTIAL FOR CONTRACT. Notwithstanding Section...

Section 345.059. Principal Balance Computation - Sec. 345.059. PRINCIPAL BALANCE COMPUTATION. The principal balance of a...

Section 345.060. Charges for Default in Payment of Installment - Sec. 345.060. CHARGES FOR DEFAULT IN PAYMENT OF INSTALLMENT. (a)...

Section 345.061. Charges for Collecting Debt - Sec. 345.061. CHARGES FOR COLLECTING DEBT. A retail installment contract...

Section 345.062. Acceleration of Debt Maturity - Sec. 345.062. ACCELERATION OF DEBT MATURITY. A retail installment contract...

Section 345.063. Requirements for Contract That Is More Than One Document - Sec. 345.063. REQUIREMENTS FOR CONTRACT THAT IS MORE THAN ONE...

Section 345.064. Completion of Contract - Sec. 345.064. COMPLETION OF CONTRACT. (a) A person may not...

Section 345.065. Delivery of Copy of Contract - Sec. 345.065. DELIVERY OF COPY OF CONTRACT. The retail seller...

Section 345.066. Buyer's Right to Rescind Contract - Sec. 345.066. BUYER'S RIGHT TO RESCIND CONTRACT. Until a retail...

Section 345.067. Buyer's Acknowledgment of Delivery of Contract Copy - Sec. 345.067. BUYER'S ACKNOWLEDGMENT OF DELIVERY OF CONTRACT COPY. (a)...

Section 345.068. Bailment or Lease as Retail Installment Transaction - Sec. 345.068. BAILMENT OR LEASE AS RETAIL INSTALLMENT TRANSACTION. A...

Section 345.069. Deferment of Installment - Sec. 345.069. DEFERMENT OF INSTALLMENT. (a) A holder of a...

Section 345.070. Amendment of Contract - Sec. 345.070. AMENDMENT OF CONTRACT. (a) On request of the...

Section 345.071. Confirmation of Amendment - Sec. 345.071. CONFIRMATION OF AMENDMENT. An amendment to a retail...

Section 345.072. Contract After Amendment - Sec. 345.072. CONTRACT AFTER AMENDMENT. After amendment a retail installment...

Section 345.073. Prepayment of Contract - Sec. 345.073. PREPAYMENT OF CONTRACT. A retail buyer may prepay...

Section 345.074. Refund Credit on Prepayment - Sec. 345.074. REFUND CREDIT ON PREPAYMENT. If a retail buyer...

Section 345.075. Amount of Refund Credit for Monthly Installment Contract - Sec. 345.075. AMOUNT OF REFUND CREDIT FOR MONTHLY INSTALLMENT CONTRACT....

Section 345.076. Amount of Refund Credit for Other Contracts - Sec. 345.076. AMOUNT OF REFUND CREDIT FOR OTHER CONTRACTS. The...

Section 345.077. Reinstatement of Contract - Sec. 345.077. REINSTATEMENT OF CONTRACT. After a demand for payment...

Section 345.078. Consolidation of Contracts - Sec. 345.078. CONSOLIDATION OF CONTRACTS. (a) If a retail buyer...

Section 345.079. Allocation of Payments on Consolidation of Contracts - Sec. 345.079. ALLOCATION OF PAYMENTS ON CONSOLIDATION OF CONTRACTS. (a)...

Section 345.080. Obligation Under More Than One Contract - Sec. 345.080. OBLIGATION UNDER MORE THAN ONE CONTRACT. (a) A...

Section 345.081. Certificate of Completion or Satisfaction of Contract - Sec. 345.081. CERTIFICATE OF COMPLETION OR SATISFACTION OF CONTRACT. (a)...

Section 345.082. Statement of Payments and Amount Due Under Contract - Sec. 345.082. STATEMENT OF PAYMENTS AND AMOUNT DUE UNDER CONTRACT....

Section 345.083. Receipt for Cash Payment - Sec. 345.083. RECEIPT FOR CASH PAYMENT. A holder of a...

Section 345.084. Debt Cancellation Agreement - Sec. 345.084. DEBT CANCELLATION AGREEMENT. A debt cancellation agreement under...

Subchapter C. Retail Charge Agreement

Section 345.101. Making Retail Charge Agreement - Sec. 345.101. MAKING RETAIL CHARGE AGREEMENT. On the request of...

Section 345.102. Agreement General Requirements - Sec. 345.102. AGREEMENT GENERAL REQUIREMENTS. (a) A retail charge agreement...

Section 345.103. Time Price Differential for Agreement - Sec. 345.103. TIME PRICE DIFFERENTIAL FOR AGREEMENT. (a) Notwithstanding any...

Section 345.104. Use of Optional Ceiling - Sec. 345.104. USE OF OPTIONAL CEILING. (a) As an alternative...

Section 345.105. Charges for Collection of Payment of Agreement - Sec. 345.105. CHARGES FOR COLLECTION OF PAYMENT OF AGREEMENT. A...

Section 345.106. Processing Fee for Returned Check - Sec. 345.106. PROCESSING FEE FOR RETURNED CHECK. A retail charge...

Section 345.107. Prohibited Fees - Sec. 345.107. PROHIBITED FEES. An annual, membership, or participation fee...

Section 345.108. Prohibition on Signing of Agreement With Blank Spaces - Sec. 345.108. PROHIBITION ON SIGNING OF AGREEMENT WITH BLANK SPACES....

Section 345.109. Delivery of Copy of Agreement - Sec. 345.109. DELIVERY OF COPY OF AGREEMENT. (a) A retail...

Section 345.110. Buyer's Acknowledgment of Delivery of Agreement Copy - Sec. 345.110. BUYER'S ACKNOWLEDGMENT OF DELIVERY OF AGREEMENT COPY. (a)...

Section 345.111. Statement of Cash Price - Sec. 345.111. STATEMENT OF CASH PRICE. The cash price in...

Section 345.112. Agreement Balance Statement - Sec. 345.112. AGREEMENT BALANCE STATEMENT. (a) At the end of...

Section 345.113. Compliance With Federal Law Considered Compliance With Chapter's Disclosure Requirements - Sec. 345.113. COMPLIANCE WITH FEDERAL LAW CONSIDERED COMPLIANCE WITH CHAPTER'S...

Subchapter D. Alternate Finance Charge Ceiling

Section 345.155. Time Price Differential Computation and Amount - Sec. 345.155. TIME PRICE DIFFERENTIAL COMPUTATION AND AMOUNT. (a) A...

Section 345.156. When Charging of Time Price Differential Prohibited - Sec. 345.156. WHEN CHARGING OF TIME PRICE DIFFERENTIAL PROHIBITED. A...

Section 345.157. Delinquency Charge - Sec. 345.157. DELINQUENCY CHARGE. (a) A retail charge agreement may...

Section 345.158. Retail Charge Agreement to Which Subchapter Does Not Apply - Sec. 345.158. RETAIL CHARGE AGREEMENT TO WHICH SUBCHAPTER DOES NOT...

Subchapter E. Insurance

Section 345.201. Property Insurance - Sec. 345.201. PROPERTY INSURANCE. (a) A holder may request or...

Section 345.202. Credit Life, Credit Health and Accident, and Credit Involuntary Unemployment Insurance - Sec. 345.202. CREDIT LIFE, CREDIT HEALTH AND ACCIDENT, AND CREDIT...

Section 345.203. Maximum Amount of Insurance Coverage - Sec. 345.203. MAXIMUM AMOUNT OF INSURANCE COVERAGE. (a) At any...

Section 345.204. Insurance Statement - Sec. 345.204. INSURANCE STATEMENT. (a) If insurance is required in...

Section 345.205. Insurance May Be Furnished by Buyer - Sec. 345.205. INSURANCE MAY BE FURNISHED BY BUYER. (a) If...

Section 345.206. Buyer's Failure to Provide Evidence of Insurance - Sec. 345.206. BUYER'S FAILURE TO PROVIDE EVIDENCE OF INSURANCE. (a)...

Section 345.207. Charges for Other Insurance Included in Retail Installment Contract - Sec. 345.207. CHARGES FOR OTHER INSURANCE INCLUDED IN RETAIL INSTALLMENT...

Section 345.208. Requirements for Including Insurance Charge in Contract or Agreement - Sec. 345.208. REQUIREMENTS FOR INCLUDING INSURANCE CHARGE IN CONTRACT OR...

Section 345.209. Delivery of Insurance Document to Buyer - Sec. 345.209. DELIVERY OF INSURANCE DOCUMENT TO BUYER. A holder...

Section 345.210. Holder's Duty if Insurance Is Adjusted or Terminated - Sec. 345.210. HOLDER'S DUTY IF INSURANCE IS ADJUSTED OR TERMINATED....

Section 345.211. Gain or Advantage From Insurance Not Additional Charge - Sec. 345.211. GAIN OR ADVANTAGE FROM INSURANCE NOT ADDITIONAL CHARGE....

Section 345.212. Nonfiling Insurance - Sec. 345.212. NONFILING INSURANCE. (a) Instead of charging fees for...

Section 345.213. Inclusion of Insurance Premiums - Sec. 345.213. INCLUSION OF INSURANCE PREMIUMS. A retail seller may...

Section 345.214. Adding to Retail Installment Contract Premiums for Insurance Acquired After Transaction - Sec. 345.214. ADDING TO RETAIL INSTALLMENT CONTRACT PREMIUMS FOR INSURANCE...

Section 345.215. Effect of Adding Premium to Contract or Agreement - Sec. 345.215. EFFECT OF ADDING PREMIUM TO CONTRACT OR AGREEMENT....

Subchapter F. Special Fees and Finance Rates

Section 345.251. Documentary Fee for Certain Vehicles - Sec. 345.251. DOCUMENTARY FEE FOR CERTAIN VEHICLES. (a) A retail...

Section 345.252. Time Price Differential for Certain Prepaid Funeral Benefits - Sec. 345.252. TIME PRICE DIFFERENTIAL FOR CERTAIN PREPAID FUNERAL BENEFITS....

Section 345.253. Time Price Differential for Medical and Dental Services - Sec. 345.253. TIME PRICE DIFFERENTIAL FOR MEDICAL AND DENTAL SERVICES....

Subchapter G. Acquisition of Contract, Agreement, or Balance

Section 345.301. Authority to Acquire - Sec. 345.301. AUTHORITY TO ACQUIRE. Notwithstanding any other law, a...

Section 345.302. Lack of Notice Does Not Affect Validity as to Certain Creditors - Sec. 345.302. LACK OF NOTICE DOES NOT AFFECT VALIDITY AS...

Section 345.303. Payment by Buyer - Sec. 345.303. PAYMENT BY BUYER. Unless a retail buyer has...

Section 345.304. Preservation of Buyer's Right of Action or Defense - Sec. 345.304. PRESERVATION OF BUYER'S RIGHT OF ACTION OR DEFENSE....

Subchapter H. Other Provisions Applicable to Contracts and Agreements

Section 345.351. Registration of Holder - Sec. 345.351. REGISTRATION OF HOLDER. (a) A holder who is...

Section 345.352. Seller's Promise to Pay or Tender of Cash to Buyer as Part of Transaction - Sec. 345.352. SELLER'S PROMISE TO PAY OR TENDER OF CASH...

Section 345.353. Making of Contract or Agreement by Mail or Telephone - Sec. 345.353. MAKING OF CONTRACT OR AGREEMENT BY MAIL OR...

Section 345.354. Prohibition on Power of Attorney to Confess Judgment and Assignment of Wages - Sec. 345.354. PROHIBITION ON POWER OF ATTORNEY TO CONFESS JUDGMENT...

Section 345.355. Prohibition on Certain Acts of Repossession - Sec. 345.355. PROHIBITION ON CERTAIN ACTS OF REPOSSESSION. A retail...

Section 345.356. Buyer's Waiver - Sec. 345.356. BUYER'S WAIVER. (a) A retail installment contract or...

Section 345.357. Prohibition on Certain Liens - Sec. 345.357. PROHIBITION ON CERTAIN LIENS. A retail installment contract...

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Texas Statutes Subtitle B - Loans and Financed Transactions Chapter 345 - Retail Installment Sales

Texas Statutes
Subtitle B - Loans and Financed Transactions
Chapter 345 - Retail Installment Sales