Sec. 94.052. CONSUMER LOANS. In the case of a consumer loan:
(1) a savings bank may charge a borrower the reasonable value of services rendered in connection with making the loan; and
(2) an expense charged a borrower must be:
(A) necessary and proper for the protection of the lender; and
(B) actually incurred in connection with making the loan.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.