Texas Statutes
Subtitle B - Loans and Financed Transactions
Chapter 347 - Manufactured Home Credit Transactions

Section 347.004. Compliance With Federal Consumer Credit Protection Act - Sec. 347.004. COMPLIANCE WITH FEDERAL CONSUMER CREDIT PROTECTION ACT. (a)...

Section 347.005. Federal Residential Mortgage Loans Programs - Sec. 347.005. FEDERAL RESIDENTIAL MORTGAGE LOANS PROGRAMS. (a) A creditor...

Section 347.006. Waiver Not Valid - Sec. 347.006. WAIVER NOT VALID. No act or agreement of...

Section 347.007. Application of Chapter to Commercial Loans - Sec. 347.007. APPLICATION OF CHAPTER TO COMMERCIAL LOANS. This chapter...

Section 347.008. Applicability - Sec. 347.008. APPLICABILITY. Each credit transaction extended to a person...

Subchapter B. Credit Document

Section 347.051. Appearance of Credit Document; Consumer Notice - Sec. 347.051. APPEARANCE OF CREDIT DOCUMENT; CONSUMER NOTICE. (a) The...

Section 347.052. Disclosure of Amount of Delinquency Charge - Sec. 347.052. DISCLOSURE OF AMOUNT OF DELINQUENCY CHARGE. The creditor...

Section 347.053. Provisions Prohibited in Credit Document - Sec. 347.053. PROVISIONS PROHIBITED IN CREDIT DOCUMENT. A credit document...

Section 347.054. Consumer's Acknowledgment of Delivery of Credit Document - Sec. 347.054. CONSUMER'S ACKNOWLEDGMENT OF DELIVERY OF CREDIT DOCUMENT. (a)...

Section 347.056. Authority of Consumer Credit Commissioner Relating to a Credit Document - Sec. 347.056. AUTHORITY OF CONSUMER CREDIT COMMISSIONER RELATING TO A...

Subchapter C. Finance Charge Rates and Adjustments

Section 347.101. Adjustable Rate - Sec. 347.101. ADJUSTABLE RATE. A credit transaction may provide for...

Section 347.102. Requirements for Rate Adjustments - Sec. 347.102. REQUIREMENTS FOR RATE ADJUSTMENTS. (a) The interest rate...

Section 347.103. Rate Adjustment Index Base - Sec. 347.103. RATE ADJUSTMENT INDEX BASE. The index base for...

Section 347.104. Amount of Rate Adjustment - Sec. 347.104. AMOUNT OF RATE ADJUSTMENT. (a) The amount of...

Section 347.105. Maximum Rate Adjustments - Sec. 347.105. MAXIMUM RATE ADJUSTMENTS. (a) The total of the...

Section 347.106. Mandatory Decrease; Optional Increase - Sec. 347.106. MANDATORY DECREASE; OPTIONAL INCREASE. (a) If a computation...

Section 347.107. Notice of Rate Adjustment - Sec. 347.107. NOTICE OF RATE ADJUSTMENT. (a) After the notice...

Section 347.108. Prohibition on Use of Rate Adjustment and Certain Mortgages - Sec. 347.108. PROHIBITION ON USE OF RATE ADJUSTMENT AND CERTAIN...

Section 347.109. Computation of Finance Charge for Disclosure - Sec. 347.109. COMPUTATION OF FINANCE CHARGE FOR DISCLOSURE. (a) This...

Section 347.110. Use of Optional Ceiling - Sec. 347.110. USE OF OPTIONAL CEILING. (a) This section applies...

Subchapter D. Amendment or Prepayment of Credit Transaction

Section 347.151. Amendment of Credit Transaction - Sec. 347.151. AMENDMENT OF CREDIT TRANSACTION. (a) On a consumer's...

Section 347.152. Alternate Method of Amendment of Credit Transaction - Sec. 347.152. ALTERNATE METHOD OF AMENDMENT OF CREDIT TRANSACTION. (a)...

Section 347.153. Requirements for Amendment - Sec. 347.153. REQUIREMENTS FOR AMENDMENT. (a) Before an amendment of...

Section 347.154. Oral Amendment Not Binding - Sec. 347.154. ORAL AMENDMENT NOT BINDING. An oral amendment to...

Section 347.155. Prepayment - Sec. 347.155. PREPAYMENT. (a) A consumer may prepay in full...

Subchapter E. Insurance

Section 347.201. Property Insurance - Sec. 347.201. PROPERTY INSURANCE. (a) A creditor may require a...

Section 347.202. Statement of Required Insurance - Sec. 347.202. STATEMENT OF REQUIRED INSURANCE. (a) If insurance is...

Section 347.203. Consumer's Failure to Obtain Required Insurance - Sec. 347.203. CONSUMER'S FAILURE TO OBTAIN REQUIRED INSURANCE. (a) If...

Section 347.204. Purchase of Additional Insurance After Date of Credit Document - Sec. 347.204. PURCHASE OF ADDITIONAL INSURANCE AFTER DATE OF CREDIT...

Section 347.205. Statement for Purchase of Optional Insurance - Sec. 347.205. STATEMENT FOR PURCHASE OF OPTIONAL INSURANCE. (a) A...

Section 347.206. Requirements for Insurance Charge in Credit Transaction - Sec. 347.206. REQUIREMENTS FOR INSURANCE CHARGE IN CREDIT TRANSACTION. Insurance...

Section 347.207. Insurance Disclosures in Credit Document - Sec. 347.207. INSURANCE DISCLOSURES IN CREDIT DOCUMENT. A credit document...

Section 347.208. Creditor May Refuse to Accept Policy - Sec. 347.208. CREDITOR MAY REFUSE TO ACCEPT POLICY. (a) If...

Section 347.209. Creditor's Duty if Insurance Is Canceled, Adjusted, or Terminated - Sec. 347.209. CREDITOR'S DUTY IF INSURANCE IS CANCELED, ADJUSTED, OR...

Section 347.210. Single Interest Policy Prohibited - Sec. 347.210. SINGLE INTEREST POLICY PROHIBITED. Insurance that protects only...

Section 347.211. Gain or Advantage From Insurance Not Charge - Sec. 347.211. GAIN OR ADVANTAGE FROM INSURANCE NOT CHARGE. Any...

Subchapter F. Payment of Insurance and Taxes

Section 347.251. Financing Insurance - Sec. 347.251. FINANCING INSURANCE. (a) A creditor may finance as...

Section 347.252. Payment of Insurance Premiums With Installments - Sec. 347.252. PAYMENT OF INSURANCE PREMIUMS WITH INSTALLMENTS. For insurance...

Section 347.253. Adjustment of Amounts Paid to Creditor for Insurance - Sec. 347.253. ADJUSTMENT OF AMOUNTS PAID TO CREDITOR FOR INSURANCE....

Section 347.254. Payment of Taxes Through the Creditor - Sec. 347.254. PAYMENT OF TAXES THROUGH THE CREDITOR. (a) Except...

Section 347.255. Adjustment of Amounts Paid to Creditor for Taxes - Sec. 347.255. ADJUSTMENT OF AMOUNTS PAID TO CREDITOR FOR TAXES....

Section 347.256. Creditor's Action on Consumer's Failure to Pay Taxes - Sec. 347.256. CREDITOR'S ACTION ON CONSUMER'S FAILURE TO PAY TAXES....

Section 347.257. Agreement to Include Taxes in Credit Transaction - Sec. 347.257. AGREEMENT TO INCLUDE TAXES IN CREDIT TRANSACTION. (a)...

Section 347.258. Deposit Amounts Paid for Taxes or Insurance - Sec. 347.258. DEPOSIT AMOUNTS PAID FOR TAXES OR INSURANCE. (a)...

Subchapter G. Miscellaneous Fees and Charges

Section 347.301. Fees for Transactions Without Real Property - Sec. 347.301. FEES FOR TRANSACTIONS WITHOUT REAL PROPERTY. (a) This...

Section 347.302. Charge Prohibited - Sec. 347.302. CHARGE PROHIBITED. A creditor may not charge a...

Section 347.307. Charges on Repossession - Sec. 347.307. CHARGES ON REPOSSESSION. A credit document may provide...

Section 347.308. Fee for Transfer of Obligor on Debt - Sec. 347.308. FEE FOR TRANSFER OF OBLIGOR ON DEBT. A...

Subchapter H. Actions on Default

Section 347.351. Delinquency Charge on Default - Sec. 347.351. DELINQUENCY CHARGE ON DEFAULT. (a) On each installment...

Section 347.352. Acceleration of Debt Maturity - Sec. 347.352. ACCELERATION OF DEBT MATURITY. A creditor may accelerate...

Section 347.353. Computing Amount Owed for Purpose of Acceleration - Sec. 347.353. COMPUTING AMOUNT OWED FOR PURPOSE OF ACCELERATION. In...

Section 347.354. Accrual of Interest on Acceleration - Sec. 347.354. ACCRUAL OF INTEREST ON ACCELERATION. If payment of...

Section 347.355. Repossession on Default - Sec. 347.355. REPOSSESSION ON DEFAULT. (a) If a consumer is...

Section 347.356. Requirements for Action to Repossess, Foreclose, or Accelerate Payment of Entire Debt - Sec. 347.356. REQUIREMENTS FOR ACTION TO REPOSSESS, FORECLOSE, OR ACCELERATE...

Section 347.357. Disposal of Insurance and Tax Escrow Account on Default - Sec. 347.357. DISPOSAL OF INSURANCE AND TAX ESCROW ACCOUNT ON...

Subchapter I. Security Interests in Manufactured Homes

Section 347.401. Priority of Security Interest for Unpaid Rental of Real Property - Sec. 347.401. PRIORITY OF SECURITY INTEREST FOR UNPAID RENTAL OF...

Section 347.402. Possessory Lien - Sec. 347.402. POSSESSORY LIEN. (a) The owner of the real...

Section 347.403. Amounts That May Be Recovered by Real Property Owner - Sec. 347.403. AMOUNTS THAT MAY BE RECOVERED BY REAL PROPERTY...

Section 347.404. Liability of Real Property Owner for Refusal to Allow Creditor to Repossess Manufactured Home - Sec. 347.404. LIABILITY OF REAL PROPERTY OWNER FOR REFUSAL TO...

Subchapter J. Rights and Duties of Creditor and Residential Mortgage Loan Originator

Section 347.451. Registration of Certain Creditors - Sec. 347.451. REGISTRATION OF CERTAIN CREDITORS. (a) A creditor who...

Section 347.4515. Residential Mortgage Loan Originator License Required - Sec. 347.4515. RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSE REQUIRED. (a) In...

Section 347.452. Acquisition and Transfer of Credit Transaction or Balance - Sec. 347.452. ACQUISITION AND TRANSFER OF CREDIT TRANSACTION OR BALANCE....

Section 347.453. Effect of Disclosure by One of Several Creditors - Sec. 347.453. EFFECT OF DISCLOSURE BY ONE OF SEVERAL CREDITORS....

Section 347.454. Disclosure if More Than One Consumer - Sec. 347.454. DISCLOSURE IF MORE THAN ONE CONSUMER. In a...

Section 347.455. Real Property in Credit Transaction - Sec. 347.455. REAL PROPERTY IN CREDIT TRANSACTION. (a) A creditor...

Subchapter K. Creditor's Liability; Penalties

Section 347.501. Creditor's Liability Related to Deposit - Sec. 347.501. CREDITOR'S LIABILITY RELATED TO DEPOSIT. A creditor is...

Section 347.502. Liability for Charge Exceeding Amount Authorized - Sec. 347.502. LIABILITY FOR CHARGE EXCEEDING AMOUNT AUTHORIZED. (a) Notwithstanding...

Section 347.503. Creditor's Liability for Error in Pay-Off Quotation - Sec. 347.503. CREDITOR'S LIABILITY FOR ERROR IN PAY-OFF QUOTATION. Notwithstanding...

Section 347.504. Creditor's Liability for Oral or Unsolicited Written Statement of Amount Owed - Sec. 347.504. CREDITOR'S LIABILITY FOR ORAL OR UNSOLICITED WRITTEN STATEMENT...

Section 347.505. Penalty for Failure to Register - Sec. 347.505. PENALTY FOR FAILURE TO REGISTER. (a) The commissioner...

Section 347.506. When Act or Omission Not Violation - Sec. 347.506. WHEN ACT OR OMISSION NOT VIOLATION. (a) An...

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Texas Statutes Subtitle B - Loans and Financed Transactions Chapter 347 - Manufactured Home Credit Transactions

Texas Statutes
Subtitle B - Loans and Financed Transactions
Chapter 347 - Manufactured Home Credit Transactions