Texas Statutes
Title 4 - Regulation of Interest, Loans, and Financed Transactions
Subtitle A - Interest

Section 302.001. Contracting For, Charging, or Receiving Interest or Time Price Differential; Usurious Interest - Sec. 302.001. CONTRACTING FOR, CHARGING, OR RECEIVING INTEREST OR TIME...

Section 302.002. Accrual of Interest When No Rate Specified - Sec. 302.002. ACCRUAL OF INTEREST WHEN NO RATE SPECIFIED. If...

Subchapter B. Other Rates and Provisions on Loans Secured by Real Property

Section 302.101. Determining Rates of Interest by Spreading - Sec. 302.101. DETERMINING RATES OF INTEREST BY SPREADING. (a) To...

Section 302.102. Prohibition on Prepayment Penalty - Sec. 302.102. PROHIBITION ON PREPAYMENT PENALTY. If the interest rate...

Section 302.104. Loan to Purchase Interest in Entity With Foreign Real Property as Principal Asset - Sec. 302.104. LOAN TO PURCHASE INTEREST IN ENTITY WITH FOREIGN...

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...

Chapter 304 - Judgment Interest

Subchapter A. General Provisions

Section 304.001. Interest Rate Required in Judgment - Sec. 304.001. INTEREST RATE REQUIRED IN JUDGMENT. A money judgment...

Section 304.002. Judgment Interest Rate: Interest Rate or Time Price Differential in Contract - Sec. 304.002. JUDGMENT INTEREST RATE: INTEREST RATE OR TIME PRICE...

Section 304.003. Judgment Interest Rate: Interest Rate or Time Price Differential Not in Contract - Sec. 304.003. JUDGMENT INTEREST RATE: INTEREST RATE OR TIME PRICE...

Section 304.004. Publication of Judgment Interest Rate - Sec. 304.004. PUBLICATION OF JUDGMENT INTEREST RATE. The consumer credit...

Section 304.005. Accrual of Judgment Interest - Sec. 304.005. ACCRUAL OF JUDGMENT INTEREST. (a) Except as provided...

Section 304.006. Compounding of Judgment Interest - Sec. 304.006. COMPOUNDING OF JUDGMENT INTEREST. Postjudgment interest on a...

Section 304.007. Judicial Notice of Judgment Interest Rate - Sec. 304.007. JUDICIAL NOTICE OF JUDGMENT INTEREST RATE. A court...

Subchapter B. Prejudgment Interest in Wrongful Death, Personal Injury, or Property Damage Case

Section 304.101. Applicability of Subchapter - Sec. 304.101. APPLICABILITY OF SUBCHAPTER. This subchapter applies only to...

Section 304.102. Prejudgment Interest Required in Certain Cases - Sec. 304.102. PREJUDGMENT INTEREST REQUIRED IN CERTAIN CASES. A judgment...

Section 304.103. Prejudgment Interest Rate for Wrongful Death, Personal Injury, or Property Damage Case - Sec. 304.103. PREJUDGMENT INTEREST RATE FOR WRONGFUL DEATH, PERSONAL INJURY,...

Section 304.104. Accrual of Prejudgment Interest - Sec. 304.104. ACCRUAL OF PREJUDGMENT INTEREST. Except as provided by...

Section 304.1045. Future Damages - Sec. 304.1045. FUTURE DAMAGES. Prejudgment interest may not be assessed...

Section 304.105. Effect of Settlement Offer on Accrual of Prejudgment Interest - Sec. 304.105. EFFECT OF SETTLEMENT OFFER ON ACCRUAL OF PREJUDGMENT...

Section 304.106. Settlement Offer Requirements to Prevent Prejudgment Interest Accrual - Sec. 304.106. SETTLEMENT OFFER REQUIREMENTS TO PREVENT PREJUDGMENT INTEREST ACCRUAL....

Section 304.107. Value of Settlement Offer for Computing Prejudgment Interest - Sec. 304.107. VALUE OF SETTLEMENT OFFER FOR COMPUTING PREJUDGMENT INTEREST....

Subchapter C. Other Prejudgment Interest Provisions

Section 304.201. Prejudgment Interest Rate for Condemnation Case - Sec. 304.201. PREJUDGMENT INTEREST RATE FOR CONDEMNATION CASE. The prejudgment...

Subchapter D. Exceptions to Application of Chapter

Section 304.301. Exception for Delinquent Taxes - Sec. 304.301. EXCEPTION FOR DELINQUENT TAXES. This chapter does not...

Section 304.302. Exception for Delinquent Child Support - Sec. 304.302. EXCEPTION FOR DELINQUENT CHILD SUPPORT. This chapter does...

Chapter 305 - Penalties and Remedies

Subchapter A. Civil Liability; Criminal Penalty

Section 305.001. Liability for Usurious Interest - Sec. 305.001. LIABILITY FOR USURIOUS INTEREST. (a) A creditor who...

Section 305.002. Additional Liability for More Than Twice Authorized Rate of Interest - Sec. 305.002. ADDITIONAL LIABILITY FOR MORE THAN TWICE AUTHORIZED RATE...

Section 305.003. Liability for Usurious Legal Interest - Sec. 305.003. LIABILITY FOR USURIOUS LEGAL INTEREST. (a) A creditor...

Section 305.004. Additional Liability for More Than Twice Authorized Rate of Legal Interest - Sec. 305.004. ADDITIONAL LIABILITY FOR MORE THAN TWICE AUTHORIZED RATE...

Section 305.005. Attorney's Fees - Sec. 305.005. ATTORNEY'S FEES. A creditor who is liable under...

Section 305.006. Limitation on Filing Suit - Sec. 305.006. LIMITATION ON FILING SUIT. (a) An action under...

Section 305.007. Penalties Exclusive - Sec. 305.007. PENALTIES EXCLUSIVE. The penalties provided by this chapter...

Section 305.008. Criminal Penalty - Sec. 305.008. CRIMINAL PENALTY. (a) A person commits an offense...

Subchapter B. Exception From Liability

Section 305.101. Accidental and Bona Fide Error - Sec. 305.101. ACCIDENTAL AND BONA FIDE ERROR. A creditor is...

Section 305.102. Legal Interest During Interest-Free Period - Sec. 305.102. LEGAL INTEREST DURING INTEREST-FREE PERIOD. A person is...

Section 305.103. Correction of Violation - Sec. 305.103. CORRECTION OF VIOLATION. (a) A creditor is not...

Section 305.104. Correction Exception Available to All Similarly Situated - Sec. 305.104. CORRECTION EXCEPTION AVAILABLE TO ALL SIMILARLY SITUATED. If...

Section 305.105. Amounts Payable Pursuant to a Final Judgment - Sec. 305.105. AMOUNTS PAYABLE PURSUANT TO A FINAL JUDGMENT. A...

Chapter 306 - Commercial Transactions

Subchapter A. General Provisions

Section 306.001. Definitions - Sec. 306.001. DEFINITIONS. In this chapter: (1) "Account purchase transaction"...

Section 306.002. Interest; Application of Other Provisions of Subtitle - Sec. 306.002. INTEREST; APPLICATION OF OTHER PROVISIONS OF SUBTITLE. (a)...

Section 306.003. Computation of Loan Terms - Sec. 306.003. COMPUTATION OF LOAN TERMS. (a) In addition to...

Section 306.004. Determining Rates of Interest by Spreading - Sec. 306.004. DETERMINING RATES OF INTEREST BY SPREADING. (a) To...

Section 306.005. Prepayment Premiums and Similar Amounts - Sec. 306.005. PREPAYMENT PREMIUMS AND SIMILAR AMOUNTS. With respect to...

Section 306.006. Certain Authorized Charges on Commercial Loans - Sec. 306.006. CERTAIN AUTHORIZED CHARGES ON COMMERCIAL LOANS. In addition...

Section 306.007. Guaranty, Assumption, Payment, or Other Agreement - Sec. 306.007. GUARANTY, ASSUMPTION, PAYMENT, OR OTHER AGREEMENT. With respect...

Subchapter B. Provisions Relating to Specific Types of Commercial Loans or Transactions

Section 306.101. Qualified Commercial Loan - Sec. 306.101. QUALIFIED COMMERCIAL LOAN. (a) The parties to a...

Section 306.102. Asset-Backed Securities Transaction - Sec. 306.102. ASSET-BACKED SECURITIES TRANSACTION. An amount that is paid,...

Section 306.103. Account Purchase Transaction - Sec. 306.103. ACCOUNT PURCHASE TRANSACTION. (a) An amount of a...

Chapter 307 - Collateral Protection Insurance

Subchapter A. General Provisions

Section 307.001. Definitions - Sec. 307.001. DEFINITIONS. In this chapter: (1) "Collateral" means property...

Subchapter B. Requirements for Collateral Protection Insurance

Section 307.051. Collateral Protection Insurance - Sec. 307.051. COLLATERAL PROTECTION INSURANCE. (a) Collateral protection insurance is...

Section 307.052. Creditor Duties - Sec. 307.052. CREDITOR DUTIES. (a) A creditor who requires collateral...

Section 307.053. Amortization of Debt - Sec. 307.053. AMORTIZATION OF DEBT. If any form of amortization...

Section 307.054. Cancellation of Collateral Protection Insurance - Sec. 307.054. CANCELLATION OF COLLATERAL PROTECTION INSURANCE. A debtor may...

Section 307.055. Refund of Unearned Premiums - Sec. 307.055. REFUND OF UNEARNED PREMIUMS. (a) On the date...

Section 307.056. Choice of Carrier - Sec. 307.056. CHOICE OF CARRIER. Collateral protection insurance may be...

Section 307.057. Creditor Liability - Sec. 307.057. CREDITOR LIABILITY. (a) A creditor, its insurer, or...

Section 307.058. Rights of Creditor and Debtor - Sec. 307.058. RIGHTS OF CREDITOR AND DEBTOR. (a) The obligations...

Chapter 308 - Consumer Credit Protections

Section 308.001. Applicability - Sec. 308.001. APPLICABILITY. This chapter applies to a person regularly...

Section 308.002. False, Misleading, or Deceptive Advertising - Sec. 308.002. FALSE, MISLEADING, OR DECEPTIVE ADVERTISING. (a) A creditor...

Section 308.003. No Double Liability or Enforcement for Same Act or Practice - Sec. 308.003. NO DOUBLE LIABILITY OR ENFORCEMENT FOR SAME ACT...

Chapter 339 - Miscellaneous Provisions Relating to Interest

Section 339.002. Billing Cycle Interest Limitation on Open-End Account Without Merchant Discount - Sec. 339.002. BILLING CYCLE INTEREST LIMITATION ON OPEN-END ACCOUNT WITHOUT...

Section 339.003. Sale of Open-End Account Without Merchant Discount - Sec. 339.003. SALE OF OPEN-END ACCOUNT WITHOUT MERCHANT DISCOUNT. A...

Section 339.004. Application of Licensing Requirement and Subtitle B to Credit Union or Employee Benefit Plan - Sec. 339.004. APPLICATION OF LICENSING REQUIREMENT AND SUBTITLE B TO...

Section 339.005. Applicability of Certain Federal Law - Sec. 339.005. APPLICABILITY OF CERTAIN FEDERAL LAW. This title does...

Next >>

Texas Statutes Title 4 - Regulation of Interest, Loans, and Financed Transactions Subtitle A - Interest

Texas Statutes
Title 4 - Regulation of Interest, Loans, and Financed Transactions
Subtitle A - Interest