Texas Statutes
Finance Code
Title 5 - Protection of Consumers of Financial Services

Section 392.202. Correction of Third-Party Debt Collector's or Credit Bureau's Files - Sec. 392.202. CORRECTION OF THIRD-PARTY DEBT COLLECTOR'S OR CREDIT BUREAU'S...

Subchapter D. Prohibited Debt Collection Methods

Section 392.301. Threats or Coercion - Sec. 392.301. THREATS OR COERCION. (a) In debt collection, a...

Section 392.302. Harassment; Abuse - Sec. 392.302. HARASSMENT; ABUSE. In debt collection, a debt collector...

Section 392.303. Unfair or Unconscionable Means - Sec. 392.303. UNFAIR OR UNCONSCIONABLE MEANS. (a) In debt collection,...

Section 392.304. Fraudulent, Deceptive, or Misleading Representations - Sec. 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS. (a) Except as...

Section 392.305. Deceptive Use of Credit Bureau Name - Sec. 392.305. DECEPTIVE USE OF CREDIT BUREAU NAME. A person...

Section 392.306. Use of Independent Debt Collector - Sec. 392.306. USE OF INDEPENDENT DEBT COLLECTOR. A creditor may...

Section 392.307. Collection of Certain Consumer Debt by Debt Buyers - Sec. 392.307. COLLECTION OF CERTAIN CONSUMER DEBT BY DEBT BUYERS....

Subchapter E. Defense, Criminal Penalty, and Civil Remedies

Section 392.401. Bona Fide Error - Sec. 392.401. BONA FIDE ERROR. A person does not violate...

Section 392.402. Criminal Penalty - Sec. 392.402. CRIMINAL PENALTY. (a) Except as provided by Subsection...

Section 392.403. Civil Remedies - Sec. 392.403. CIVIL REMEDIES. (a) A person may sue for:...

Section 392.404. Remedies Under Other Law - Sec. 392.404. REMEDIES UNDER OTHER LAW. (a) A violation of...

Chapter 393 - Credit Services Organizations

Subchapter A. General Provisions

Section 393.001. Definitions - Sec. 393.001. DEFINITIONS. In this chapter: (1) "Consumer" means an...

Section 393.002. Persons Not Covered - Sec. 393.002. PERSONS NOT COVERED. (a) This chapter does not...

Section 393.003. Waiver Void - Sec. 393.003. WAIVER VOID. A waiver of a provision of...

Subchapter B. Registration and Disclosure Statements

Section 393.101. Registration Statement - Sec. 393.101. REGISTRATION STATEMENT. (a) Before conducting business in this...

Section 393.102. Update of Registration Statement - Sec. 393.102. UPDATE OF REGISTRATION STATEMENT. A credit services organization...

Section 393.103. Inspection of Registration Statement - Sec. 393.103. INSPECTION OF REGISTRATION STATEMENT. A credit services organization...

Section 393.104. Filing Fee - Sec. 393.104. FILING FEE. The secretary of state may charge...

Section 393.105. Disclosure Statement - Sec. 393.105. DISCLOSURE STATEMENT. Before executing a contract with a...

Section 393.106. Copy of Disclosure Statement - Sec. 393.106. COPY OF DISCLOSURE STATEMENT. A credit services organization...

Subchapter C. Contract for Services

Section 393.201. Form and Terms of Contract - Sec. 393.201. FORM AND TERMS OF CONTRACT. (a) Each contract...

Section 393.202. Notice of Cancellation - Sec. 393.202. NOTICE OF CANCELLATION. (a) The contract must conspicuously...

Section 393.203. Issuance of Contract and Other Documents - Sec. 393.203. ISSUANCE OF CONTRACT AND OTHER DOCUMENTS. A credit...

Section 393.204. Breach of Contract - Sec. 393.204. BREACH OF CONTRACT. The breach by a credit...

Subchapter C. -1. Notice and Disclosure Requirements for Certain Credit Services Organizations

Section 393.221. Definitions - Sec. 393.221. DEFINITIONS. In this subchapter: (1) "Credit access business"...

Section 393.222. Posting of Fee Schedule; Notices - Sec. 393.222. POSTING OF FEE SCHEDULE; NOTICES. (a) A credit...

Section 393.223. Consumer Transaction Information - Sec. 393.223. CONSUMER TRANSACTION INFORMATION. (a) Before performing services described...

Section 393.224. Administrative Penalty - Sec. 393.224. ADMINISTRATIVE PENALTY. The consumer credit commissioner, in accordance...

Subchapter D. Prohibitions and Restrictions

Section 393.301. Representative - Sec. 393.301. REPRESENTATIVE. In this subchapter, a representative of a...

Section 393.302. Charge or Receipt of Consideration Before Completion of Services - Sec. 393.302. CHARGE OR RECEIPT OF CONSIDERATION BEFORE COMPLETION OF...

Section 393.303. Charge or Receipt of Consideration for Referral - Sec. 393.303. CHARGE OR RECEIPT OF CONSIDERATION FOR REFERRAL. A...

Section 393.304. False or Misleading Representation or Statement - Sec. 393.304. FALSE OR MISLEADING REPRESENTATION OR STATEMENT. A credit...

Section 393.305. Fraudulent or Deceptive Conduct - Sec. 393.305. FRAUDULENT OR DECEPTIVE CONDUCT. A credit services organization...

Section 393.306. Advertising Services Without Filing Registration Statement - Sec. 393.306. ADVERTISING SERVICES WITHOUT FILING REGISTRATION STATEMENT. A credit...

Section 393.307. Causing Waiver Prohibited - Sec. 393.307. CAUSING WAIVER PROHIBITED. A credit services organization may...

Subchapter E. Surety Bond; Surety Account

Section 393.401. Surety Bond - Sec. 393.401. SURETY BOND. (a) The surety bond of a...

Section 393.402. Surety Account - Sec. 393.402. SURETY ACCOUNT. (a) The surety account of a...

Section 393.403. Amount of Surety Bond or Account - Sec. 393.403. AMOUNT OF SURETY BOND OR ACCOUNT. The surety...

Section 393.404. Beneficiary of Surety Bond or Account - Sec. 393.404. BENEFICIARY OF SURETY BOND OR ACCOUNT. The surety...

Section 393.405. Claim Against Surety Bond or Account - Sec. 393.405. CLAIM AGAINST SURETY BOND OR ACCOUNT. (a) A...

Section 393.406. Term of Surety Bond or Account - Sec. 393.406. TERM OF SURETY BOND OR ACCOUNT. The surety...

Section 393.407. Payment of Money in Surety Account to Credit Services Organization - Sec. 393.407. PAYMENT OF MONEY IN SURETY ACCOUNT TO CREDIT...

Subchapter F. Criminal Penalties and Civil Remedies

Section 393.501. Criminal Penalty - Sec. 393.501. CRIMINAL PENALTY. (a) A person commits an offense...

Section 393.502. Injunctive Relief - Sec. 393.502. INJUNCTIVE RELIEF. A district court on the application...

Section 393.503. Damages - Sec. 393.503. DAMAGES. (a) A consumer injured by a violation...

Section 393.504. Deceptive Trade Practice - Sec. 393.504. DECEPTIVE TRADE PRACTICE. A violation of this chapter...

Section 393.505. Statute of Limitations - Sec. 393.505. STATUTE OF LIMITATIONS. An action under Section 393.503...

Subchapter G. Licensing and Regulation of Certain Credit Services Organizations

Section 393.601. Definitions - Sec. 393.601. DEFINITIONS. In this subchapter: (1) "Commissioner" means the...

Section 393.602. Applicability - Sec. 393.602. APPLICABILITY. (a) This subchapter applies only to a...

Section 393.603. License Required - Sec. 393.603. LICENSE REQUIRED. A credit services organization must obtain...

Section 393.604. Application for License - Sec. 393.604. APPLICATION FOR LICENSE. (a) An application for a...

Section 393.605. Bond - Sec. 393.605. BOND. (a) If the commissioner requires, an applicant...

Section 393.606. Investigation of Application - Sec. 393.606. INVESTIGATION OF APPLICATION. On the filing of an...

Section 393.607. Approval or Denial of Application - Sec. 393.607. APPROVAL OR DENIAL OF APPLICATION. (a) The commissioner...

Section 393.608. Disposition of Fees on Denial of Application - Sec. 393.608. DISPOSITION OF FEES ON DENIAL OF APPLICATION. If...

Section 393.6085. License Term - Sec. 393.6085. LICENSE TERM. A license issued under this chapter...

Section 393.609. Name and Place of License - Sec. 393.609. NAME AND PLACE OF LICENSE. (a) A license...

Section 393.610. License Display - Sec. 393.610. LICENSE DISPLAY. A license holder shall display a...

Section 393.611. Minimum Assets for License - Sec. 393.611. MINIMUM ASSETS FOR LICENSE. A license holder shall...

Section 393.6115. Grounds for Refusal to Renew - Sec. 393.6115. GROUNDS FOR REFUSAL TO RENEW. The commissioner may...

Section 393.612. License Fee - Sec. 393.612. LICENSE FEE. Not later than the 30th day...

Section 393.613. Expiration of License on Failure to Pay Fee - Sec. 393.613. EXPIRATION OF LICENSE ON FAILURE TO PAY FEE....

Section 393.614. License Suspension or Revocation - Sec. 393.614. LICENSE SUSPENSION OR REVOCATION. (a) After notice and...

Section 393.615. License Suspension or Revocation Filed With Public Records - Sec. 393.615. LICENSE SUSPENSION OR REVOCATION FILED WITH PUBLIC RECORDS....

Section 393.616. Reinstatement of Suspended License; Issuance of New License After Revocation - Sec. 393.616. REINSTATEMENT OF SUSPENDED LICENSE; ISSUANCE OF NEW LICENSE...

Section 393.617. Surrender of License - Sec. 393.617. SURRENDER OF LICENSE. A license holder may surrender...

Section 393.618. Effect of License Suspension, Revocation, or Surrender - Sec. 393.618. EFFECT OF LICENSE SUSPENSION, REVOCATION, OR SURRENDER. (a)...

Section 393.619. Moving an Office - Sec. 393.619. MOVING AN OFFICE. (a) A license holder shall...

Section 393.620. Transfer or Assignment of License - Sec. 393.620. TRANSFER OR ASSIGNMENT OF LICENSE. A license may...

Section 393.621. Administration - Sec. 393.621. ADMINISTRATION. The office shall administer this subchapter. Added...

Section 393.622. Rules - Sec. 393.622. RULES. (a) The finance commission may: (1) adopt...

Section 393.623. Providing or Advertising Services Without License Prohibited - Sec. 393.623. PROVIDING OR ADVERTISING SERVICES WITHOUT LICENSE PROHIBITED. A...

Section 393.624. Restrictions on Off-Site Advertising - Sec. 393.624. RESTRICTIONS ON OFF-SITE ADVERTISING. (a) A credit access...

Section 393.625. Military Borrowers - Sec. 393.625. MILITARY BORROWERS. An extension of consumer credit described...

Section 393.626. Debt Collection Practices - Sec. 393.626. DEBT COLLECTION PRACTICES. A violation of Chapter 392...

Section 393.627. Quarterly Report to Commissioner - Sec. 393.627. QUARTERLY REPORT TO COMMISSIONER. A credit access business...

Section 393.628. Texas Financial Education Endowment - Sec. 393.628. TEXAS FINANCIAL EDUCATION ENDOWMENT. (a) As part of...

Chapter 394 - Debtor Assistance

Subchapter A. Debt Counseling and Education

Section 394.001. Duties of Commissioner - Sec. 394.001. DUTIES OF COMMISSIONER. The consumer credit commissioner shall...

Subchapter C. Consumer Debt Management Services

Section 394.201. Purpose; Construction - Sec. 394.201. PURPOSE; CONSTRUCTION. (a) The purpose of this subchapter...

Section 394.202. Definitions - Sec. 394.202. DEFINITIONS. In this subchapter: (1) "Advertising" means information...

Section 394.203. Applicability - Sec. 394.203. APPLICABILITY. (a) Except as otherwise provided by this...

Section 394.204. Registration - Sec. 394.204. REGISTRATION. (a) A person, regardless of whether located...

Section 394.205. Records - Sec. 394.205. RECORDS. (a) A provider shall keep and use...

Section 394.206. Bond; Insurance - Sec. 394.206. BOND; INSURANCE. (a) A provider shall, at the...

Section 394.207. Advertising - Sec. 394.207. ADVERTISING. A provider may not engage in false...

Section 394.208. Required Actions by Provider - Sec. 394.208. REQUIRED ACTIONS BY PROVIDER. (a) A provider may...

Section 394.209. Written Debt Management Services Agreement - Sec. 394.209. WRITTEN DEBT MANAGEMENT SERVICES AGREEMENT. (a) A debt...

Section 394.2095. Cancellation of Agreement by Either Provider or Consumer - Sec. 394.2095. CANCELLATION OF AGREEMENT BY EITHER PROVIDER OR CONSUMER....

Section 394.210. Permitted Fees - Sec. 394.210. PERMITTED FEES. (a) With respect to the provision...

Section 394.2101. Adjustment of Amounts of Fees or Other Charges - Sec. 394.2101. ADJUSTMENT OF AMOUNTS OF FEES OR OTHER CHARGES....

Section 394.211. Trust Account - Sec. 394.211. TRUST ACCOUNT. (a) A provider must use a...

Section 394.212. Prohibited Acts and Practices - Sec. 394.212. PROHIBITED ACTS AND PRACTICES. (a) A provider may...

Section 394.213. Duties of Proper Management - Sec. 394.213. DUTIES OF PROPER MANAGEMENT. A provider has a...

Section 394.214. Additional Enforcement Powers - Sec. 394.214. ADDITIONAL ENFORCEMENT POWERS. (a) The finance commission may...

Section 394.215. Private Remedies - Sec. 394.215. PRIVATE REMEDIES. (a) An agreement for debt management...

Chapter 395 - Community Reinvestment Work Group

Subchapter A. Composition and Operation

Section 395.001. Composition - Sec. 395.001. COMPOSITION. The community reinvestment work group is composed...

Section 395.002. Officers - Sec. 395.002. OFFICERS. The representative of the comptroller's office serves...

Section 395.003. Meetings - Sec. 395.003. MEETINGS. The work group shall meet quarterly and...

Section 395.004. Term of Office; Removal - Sec. 395.004. TERM OF OFFICE; REMOVAL. A member of the...

Section 395.005. Expenses; Compensation - Sec. 395.005. EXPENSES; COMPENSATION. The appointing authority is responsible for...

Subchapter B. Duties

Section 395.101. General Duties - Sec. 395.101. GENERAL DUTIES. The work group shall work in...

Section 395.102. Developing Strategies - Sec. 395.102. DEVELOPING STRATEGIES. In developing the strategies required by...

Chapter 396 - Private Child Support Enforcement Agencies

Subchapter A. General Provisions

Section 396.001. Definitions - Sec. 396.001. DEFINITIONS. In this chapter: (1) "Child support enforcement"...

Subchapter E. Required Business Practices

Section 396.202. Records - Sec. 396.202. RECORDS. (a) A private child support enforcement agency...

Section 396.203. Contract for Services - Sec. 396.203. CONTRACT FOR SERVICES. (a) A private child support...

Subchapter F. Prohibited Practices

Section 396.251. Threats or Coercion - Sec. 396.251. THREATS OR COERCION. (a) In enforcing a child...

Section 396.252. Fraudulent, Deceptive, or Misleading Representations - Sec. 396.252. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS. In enforcing a...

Subchapter H. Civil Remedies

Section 396.351. Civil Action - Sec. 396.351. CIVIL ACTION. (a) In addition to any other...

Section 396.352. Service of Process Outside State - Sec. 396.352. SERVICE OF PROCESS OUTSIDE STATE. (a) A private...

Section 396.353. Remedies Under Other Law - Sec. 396.353. REMEDIES UNDER OTHER LAW. (a) A violation of...

Chapter 397 - Debt Cancellation Agreements for Certain Vehicle Leases

Section 397.001. Definitions - Sec. 397.001. DEFINITIONS. In this chapter: (1) "Covered vehicle" includes...

Section 397.002. Applicability - Sec. 397.002. APPLICABILITY. This chapter does not apply to a...

Section 397.003. Relationship to Insurance - Sec. 397.003. RELATIONSHIP TO INSURANCE. A debt cancellation agreement to...

Section 397.004. Limitation on Certain Debt Cancellation Agreements - Sec. 397.004. LIMITATION ON CERTAIN DEBT CANCELLATION AGREEMENTS. (a) This...

Section 397.005. Debt Cancellation Agreements Exclusion Language - Sec. 397.005. DEBT CANCELLATION AGREEMENTS EXCLUSION LANGUAGE. (a) In addition...

Section 397.006. Required Debt Cancellation Agreement Language - Sec. 397.006. REQUIRED DEBT CANCELLATION AGREEMENT LANGUAGE. A debt cancellation...

Section 397.007. Additional Requirements for Debt Cancellation Agreements - Sec. 397.007. ADDITIONAL REQUIREMENTS FOR DEBT CANCELLATION AGREEMENTS. (a) If...

Section 397.008. Refund for Debt Cancellation Agreements - Sec. 397.008. REFUND FOR DEBT CANCELLATION AGREEMENTS. (a) A refund...

Section 397.009. Enforcement - Sec. 397.009. ENFORCEMENT. (a) If the attorney general has reason...

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Texas Statutes Finance Code Title 5 - Protection of Consumers of Financial Services

Texas Statutes
Finance Code
Title 5 - Protection of Consumers of Financial Services