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

Section 349.404. Liability Under Subchapter in Lieu of Liability Under Consumer Credit Protection Act - Sec. 349.404. LIABILITY UNDER SUBCHAPTER IN LIEU OF LIABILITY UNDER...

Subchapter F. Criminal Offenses

Section 349.501. Offense of Charges Exceeding Twice Amount Authorized - Sec. 349.501. OFFENSE OF CHARGES EXCEEDING TWICE AMOUNT AUTHORIZED. (a)...

Section 349.502. Offense of Engaging in Lending Business Without Proper Authority - Sec. 349.502. OFFENSE OF ENGAGING IN LENDING BUSINESS WITHOUT PROPER...

Section 349.503. Certain Proceedings in Connection With Sale-Leaseback Transaction - Sec. 349.503. CERTAIN PROCEEDINGS IN CONNECTION WITH SALE-LEASEBACK TRANSACTION. (a)...

Chapter 350 - Requirements and Limitations Applicable to Consumer Creditors Not Licensed or Registered Under This Title

Section 350.001. Applicability - Sec. 350.001. APPLICABILITY. (a) This chapter applies to a person...

Section 350.002. Prevention of Evasion - Sec. 350.002. PREVENTION OF EVASION. A person may not use...

Section 350.003. Compliance With Fair Trade Practices Act - Sec. 350.003. COMPLIANCE WITH FAIR TRADE PRACTICES ACT. A creditor...

Section 350.004. Penalties - Sec. 350.004. PENALTIES. Chapter 349 applies to violations of this...

Chapter 351 - Property Tax Lenders

Subchapter A. General Provisions

Section 351.001. Short Title - Sec. 351.001. SHORT TITLE. This chapter may be cited as...

Section 351.002. Definitions - Sec. 351.002. DEFINITIONS.In this chapter: (1) "Property tax lender" means...

Section 351.0021. Authorized Charges - Sec. 351.0021. AUTHORIZED CHARGES. (a) The contract between a property...

Section 351.0022. Waiver Prohibited - Sec. 351.0022. WAIVER PROHIBITED. Except as specifically permitted by this...

Section 351.0023. Solicitation of Loans; Notice - Sec. 351.0023. SOLICITATION OF LOANS; NOTICE. (a) A property tax...

Section 351.003. Secondary Market Transactions - Sec. 351.003. SECONDARY MARKET TRANSACTIONS. (a) Except as provided by...

Section 351.004. Affiliated Business Arrangements - Sec. 351.004. AFFILIATED BUSINESS ARRANGEMENTS. A property tax lender may...

Section 351.005. Application of Tax Code - Sec. 351.005. APPLICATION OF TAX CODE. This chapter does not...

Section 351.006. Enforcement - Sec. 351.006. ENFORCEMENT. (a) In addition to any other applicable...

Section 351.007. Rules - Sec. 351.007. RULES. The finance commission may adopt rules to...

Section 351.008. Examination of Lenders; Access to Records - Sec. 351.008. EXAMINATION OF LENDERS; ACCESS TO RECORDS. (a) The...

Section 351.009. General Investigation - Sec. 351.009. GENERAL INVESTIGATION. (a) To discover a violation of...

Section 351.010. Refusal to Allow Examination or Inspection - Sec. 351.010. REFUSAL TO ALLOW EXAMINATION OR INSPECTION. A property...

Section 351.011. Verification of Net Assets - Sec. 351.011. VERIFICATION OF NET ASSETS. If the commissioner questions...

Section 351.012. Applicability of Chapter - Sec. 351.012. APPLICABILITY OF CHAPTER. This chapter applies to a...

Subchapter B. Authorized Activities; License

Section 351.051. License Required - Sec. 351.051. LICENSE REQUIRED. (a) A person must hold a...

Section 351.0515. Residential Mortgage Loan Originator License Required - Sec. 351.0515. RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSE REQUIRED. (a) In...

Section 351.052. Issuance of More Than One License for Property Tax Lender - Sec. 351.052. ISSUANCE OF MORE THAN ONE LICENSE FOR PROPERTY...

Section 351.053. Area of Business; Property Tax Loans by Mail or Online - Sec. 351.053. AREA OF BUSINESS; PROPERTY TAX LOANS BY MAIL...

Section 351.054. Notice to Taxing Unit - Sec. 351.054. NOTICE TO TAXING UNIT. (a) A transferee of...

Subchapter C. Application for and Issuance of License

Section 351.101. Application Requirements - Sec. 351.101. APPLICATION REQUIREMENTS. (a) The application for a license...

Section 351.102. Bond - Sec. 351.102. BOND. (a) If the commissioner requires, an applicant...

Section 351.103. Investigation of Application - Sec. 351.103. INVESTIGATION OF APPLICATION. On the filing of an...

Section 351.104. Approval or Denial of Application - Sec. 351.104. APPROVAL OR DENIAL OF APPLICATION. (a) The commissioner...

Section 351.105. Disposition of Fees on Denial of Application - Sec. 351.105. DISPOSITION OF FEES ON DENIAL OF APPLICATION. If...

Section 351.106. License Term - Sec. 351.106. LICENSE TERM. A license issued under this chapter...

Subchapter D. License

Section 351.151. Name and Place on License - Sec. 351.151. NAME AND PLACE ON LICENSE. (a) A license...

Section 351.152. License Display - Sec. 351.152. LICENSE DISPLAY. A license holder shall display a...

Section 351.153. Minimum Assets for License - Sec. 351.153. MINIMUM ASSETS FOR LICENSE. A license holder shall...

Section 351.1535. Grounds for Refusal to Renew - Sec. 351.1535. GROUNDS FOR REFUSAL TO RENEW. The commissioner may...

Section 351.154. License Fee - Sec. 351.154. LICENSE FEE. Not later than the 30th day...

Section 351.155. Expiration of License on Failure to Pay Fee - Sec. 351.155. EXPIRATION OF LICENSE ON FAILURE TO PAY FEE....

Section 351.156. License Suspension or Revocation - Sec. 351.156. LICENSE SUSPENSION OR REVOCATION. After notice and opportunity...

Section 351.157. Corporate Charter Forfeiture - Sec. 351.157. CORPORATE CHARTER FORFEITURE. (a) A license holder who...

Section 351.158. License Suspension or Revocation Filed With Public Records - Sec. 351.158. LICENSE SUSPENSION OR REVOCATION FILED WITH PUBLIC RECORDS....

Section 351.159. Reinstatement of Suspended License; Issuance of New License After Revocation - Sec. 351.159. REINSTATEMENT OF SUSPENDED LICENSE; ISSUANCE OF NEW LICENSE...

Section 351.160. Surrender of License - Sec. 351.160. SURRENDER OF LICENSE. A license holder may surrender...

Section 351.161. Effect of License Suspension, Revocation, or Surrender - Sec. 351.161. EFFECT OF LICENSE SUSPENSION, REVOCATION, OR SURRENDER. (a)...

Section 351.162. Moving an Office - Sec. 351.162. MOVING AN OFFICE. (a) A license holder shall...

Section 351.163. Transfer or Assignment of License - Sec. 351.163. TRANSFER OR ASSIGNMENT OF LICENSE. A license may...

Section 351.164. Reporting Requirement - Sec. 351.164. REPORTING REQUIREMENT. (a) Each year, a license holder...

Chapter 352 - Tax Refund Anticipation Loans

Section 352.001. Definitions - Sec. 352.001. DEFINITIONS. In this chapter: (1) "Borrower" means an...

Section 352.002. Restriction on Acting as Facilitator - Sec. 352.002. RESTRICTION ON ACTING AS FACILITATOR. (a) A person...

Section 352.003. Registration of Facilitators - Sec. 352.003. REGISTRATION OF FACILITATORS. (a) To register as a...

Section 352.004. Disclosure Requirements - Sec. 352.004. DISCLOSURE REQUIREMENTS. (a) A facilitator to which Section...

Section 352.005. Investigation by Commissioner - Sec. 352.005. INVESTIGATION BY COMMISSIONER. The commissioner shall: (1) monitor...

Section 352.006. Revocation of Registration - Sec. 352.006. REVOCATION OF REGISTRATION. (a) The commissioner may revoke...

Section 352.007. Administrative Penalty - Sec. 352.007. ADMINISTRATIVE PENALTY. The commissioner may assess an administrative...

Section 352.008. Preemption of Local Ordinance - Sec. 352.008. PREEMPTION OF LOCAL ORDINANCE. This chapter preempts a...

Section 352.009. Applicability of Chapter - Sec. 352.009. APPLICABILITY OF CHAPTER. This chapter applies to a...

Chapter 353 - Commercial Motor Vehicle Installment Sales

Subchapter A. General Provisions

Section 353.001. Definitions - Sec. 353.001. DEFINITIONS. In this chapter: (1) "Commercial vehicle" means...

Section 353.002. Presumption Regarding Noncommercial Vehicles; Exception - Sec. 353.002. PRESUMPTION REGARDING NONCOMMERCIAL VEHICLES; EXCEPTION. (a) A motor...

Section 353.003. Bailment or Lease as Retail Installment Transaction - Sec. 353.003. BAILMENT OR LEASE AS RETAIL INSTALLMENT TRANSACTION. (a)...

Section 353.004. Classification as Retail Installment Transaction Unaffected - Sec. 353.004. CLASSIFICATION AS RETAIL INSTALLMENT TRANSACTION UNAFFECTED. A transaction...

Section 353.005. Cash Price - Sec. 353.005. CASH PRICE. (a) The cash price is the...

Section 353.006. Itemized Charge - Sec. 353.006. ITEMIZED CHARGE. An amount in a retail installment...

Section 353.007. Additional Charges Permitted - Sec. 353.007. ADDITIONAL CHARGES PERMITTED. (a) In addition to the...

Section 353.008. Principal Balance; Inclusion of Documentary Fee - Sec. 353.008. PRINCIPAL BALANCE; INCLUSION OF DOCUMENTARY FEE. (a) The...

Section 353.009. Applicability of Chapter - Sec. 353.009. APPLICABILITY OF CHAPTER. (a) Except as provided by...

Section 353.010. Applicability of Other Statutes to Retail Installment Transaction - Sec. 353.010. APPLICABILITY OF OTHER STATUTES TO RETAIL INSTALLMENT TRANSACTION....

Section 353.011. Federal Disclosure Requirements - Sec. 353.011. FEDERAL DISCLOSURE REQUIREMENTS. If a disclosure requirement of...

Section 353.012. Additional Information Allowed in Contract - Sec. 353.012. ADDITIONAL INFORMATION ALLOWED IN CONTRACT. Information not required...

Section 353.013. Order of Items in Contract - Sec. 353.013. ORDER OF ITEMS IN CONTRACT. Items required by...

Section 353.014. Applicability of Insurance Premium Financing Provisions - Sec. 353.014. APPLICABILITY OF INSURANCE PREMIUM FINANCING PROVISIONS. Chapter 651,...

Section 353.015. Conditional Delivery Agreement - Sec. 353.015. CONDITIONAL DELIVERY AGREEMENT. (a) In this section, "conditional...

Section 353.016. Computation of Time Price Differential Using True Daily Earnings Method - Sec. 353.016. COMPUTATION OF TIME PRICE DIFFERENTIAL USING TRUE DAILY...

Section 353.017. Transaction Conditioned on Purchase of Vehicle Protection Product Prohibited - Sec. 353.017. TRANSACTION CONDITIONED ON PURCHASE OF VEHICLE PROTECTION PRODUCT...

Subchapter B. Retail Installment Contract

Section 353.101. Retail Installment Contract General Requirements - Sec. 353.101. RETAIL INSTALLMENT CONTRACT GENERAL REQUIREMENTS. (a) A retail...

Section 353.102. Contract Conditioned on Subsequent Assignment Prohibited - Sec. 353.102. CONTRACT CONDITIONED ON SUBSEQUENT ASSIGNMENT PROHIBITED. (a) A...

Section 353.103. Time Price Differential for Retail Installment Contract - Sec. 353.103. TIME PRICE DIFFERENTIAL FOR RETAIL INSTALLMENT CONTRACT. (a)...

Section 353.104. Time Price Differential for Contract With Equal Monthly Successive Payments - Sec. 353.104. TIME PRICE DIFFERENTIAL FOR CONTRACT WITH EQUAL MONTHLY...

Section 353.105. Use of Optional Ceiling - Sec. 353.105. USE OF OPTIONAL CEILING. As an alternative to...

Section 353.106. Time Price Differential for Other Contracts - Sec. 353.106. TIME PRICE DIFFERENTIAL FOR OTHER CONTRACTS. A retail...

Section 353.107. Charge for Default in Payment of Installment - Sec. 353.107. CHARGE FOR DEFAULT IN PAYMENT OF INSTALLMENT. (a)...

Section 353.108. Charges for Collecting Debt - Sec. 353.108. CHARGES FOR COLLECTING DEBT. A retail installment contract...

Section 353.109. Acceleration of Debt Maturity - Sec. 353.109. ACCELERATION OF DEBT MATURITY. A retail installment contract...

Section 353.110. Delivery of Copy of Contract - Sec. 353.110. DELIVERY OF COPY OF CONTRACT. A retail seller...

Section 353.111. Buyer's Right to Rescind Contract - Sec. 353.111. BUYER'S RIGHT TO RESCIND CONTRACT. Until the retail...

Section 353.112. Buyer's Acknowledgment of Delivery of Contract Copy - Sec. 353.112. BUYER'S ACKNOWLEDGMENT OF DELIVERY OF CONTRACT COPY. (a)...

Section 353.113. Amendment of Retail Installment Contract - Sec. 353.113. AMENDMENT OF RETAIL INSTALLMENT CONTRACT. On request by...

Section 353.116. Confirmation of Amendment - Sec. 353.116. CONFIRMATION OF AMENDMENT. An amendment to a retail...

Section 353.117. Contract After Amendment - Sec. 353.117. CONTRACT AFTER AMENDMENT. After amendment the retail installment...

Section 353.118. Prepayment of Contract - Sec. 353.118. PREPAYMENT OF CONTRACT. A retail buyer may prepay...

Section 353.119. Refund Credit on Prepayment - Sec. 353.119. REFUND CREDIT ON PREPAYMENT. (a) This section does...

Section 353.120. Amount of Refund Credit for Monthly Installment Contract - Sec. 353.120. AMOUNT OF REFUND CREDIT FOR MONTHLY INSTALLMENT CONTRACT....

Section 353.121. Refund on Contracts Using Scheduled Installment Earnings Method - Sec. 353.121. REFUND ON CONTRACTS USING SCHEDULED INSTALLMENT EARNINGS METHOD....

Section 353.122. Reinstatement of Contract After Demand for Payment - Sec. 353.122. REINSTATEMENT OF CONTRACT AFTER DEMAND FOR PAYMENT. After...

Subchapter C. Insurance

Section 353.201. Property Insurance - Sec. 353.201. PROPERTY INSURANCE. (a) A holder may require a...

Section 353.202. Credit Life and Credit Health and Accident Insurance - Sec. 353.202. CREDIT LIFE AND CREDIT HEALTH AND ACCIDENT INSURANCE....

Section 353.203. Maximum Amount of Credit Life and Credit Health and Accident Coverage - Sec. 353.203. MAXIMUM AMOUNT OF CREDIT LIFE AND CREDIT HEALTH...

Section 353.204. Insurance Statement - Sec. 353.204. INSURANCE STATEMENT. (a) If insurance is required in...

Section 353.205. Statement if Liability Insurance Not Included in Contract - Sec. 353.205. STATEMENT IF LIABILITY INSURANCE NOT INCLUDED IN CONTRACT....

Section 353.206. Buyer's Failure to Provide Evidence of Insurance - Sec. 353.206. BUYER'S FAILURE TO PROVIDE EVIDENCE OF INSURANCE. (a)...

Section 353.207. Charges for Other Insurance and Forms of Protection Included in Retail Installment Contract - Sec. 353.207. CHARGES FOR OTHER INSURANCE AND FORMS OF PROTECTION...

Section 353.208. Holder's Duty if Insurance Is Adjusted or Terminated - Sec. 353.208. HOLDER'S DUTY IF INSURANCE IS ADJUSTED OR TERMINATED....

Section 353.209. Gain or Advantage From Insurance Not Additional Charge - Sec. 353.209. GAIN OR ADVANTAGE FROM INSURANCE NOT ADDITIONAL CHARGE....

Section 353.210. Adding to Retail Installment Contract Premiums for Insurance Acquired After Transaction - Sec. 353.210. ADDING TO RETAIL INSTALLMENT CONTRACT PREMIUMS FOR INSURANCE...

Section 353.211. Effect of Adding Premium to Contract - Sec. 353.211. EFFECT OF ADDING PREMIUM TO CONTRACT. If a...

Section 353.212. Financing Entity May Not Require Insurance From Particular Source - Sec. 353.212. FINANCING ENTITY MAY NOT REQUIRE INSURANCE FROM PARTICULAR...

Subchapter D. Acquisition of Contract or Balance

Section 353.301. Authority to Acquire - Sec. 353.301. AUTHORITY TO ACQUIRE. A person may acquire a...

Section 353.302. Lack of Notice Does Not Affect Validity as to Certain Creditors - Sec. 353.302. LACK OF NOTICE DOES NOT AFFECT VALIDITY AS...

Section 353.303. Payment by Buyer - Sec. 353.303. PAYMENT BY BUYER. Unless a retail buyer has...

Subchapter E. Holder's Rights, Duties, and Limitations

Section 353.401. Seller's Promise to Pay or Tender of Cash to Buyer as Part of Transaction - Sec. 353.401. SELLER'S PROMISE TO PAY OR TENDER OF CASH...

Section 353.402. Seller's Action for Incentive Program or to Pay for Buyer's Motor Vehicle - Sec. 353.402. SELLER'S ACTION FOR INCENTIVE PROGRAM OR TO PAY...

Section 353.403. Statement of Payments and Amount Due Under Contract - Sec. 353.403. STATEMENT OF PAYMENTS AND AMOUNT DUE UNDER CONTRACT....

Section 353.404. Receipt for Cash Payment - Sec. 353.404. RECEIPT FOR CASH PAYMENT. A holder of a...

Section 353.405. Outstanding Balance Information; Payment in Full - Sec. 353.405. OUTSTANDING BALANCE INFORMATION; PAYMENT IN FULL. (a) The...

Section 353.406. Liability Relating to Outstanding Balance Information - Sec. 353.406. LIABILITY RELATING TO OUTSTANDING BALANCE INFORMATION. A holder...

Section 353.407. Prohibition on Power of Attorney to Confess Judgment or Assignment of Wages - Sec. 353.407. PROHIBITION ON POWER OF ATTORNEY TO CONFESS JUDGMENT...

Section 353.408. Prohibition on Certain Acts of Repossession - Sec. 353.408. PROHIBITION ON CERTAIN ACTS OF REPOSSESSION. A retail...

Section 353.409. Buyer's Waiver - Sec. 353.409. BUYER'S WAIVER. (a) A retail installment contract may...

Section 353.410. Transfer of Equity - Sec. 353.410. TRANSFER OF EQUITY. (a) With the written consent...

Subchapter F. Licensing; Administration of Chapter

Section 353.501. License Required - Sec. 353.501. LICENSE REQUIRED. (a) A person may not act...

Section 353.502. Application Requirements - Sec. 353.502. APPLICATION REQUIREMENTS. (a) The application for a license...

Section 353.503. Investigation of Application - Sec. 353.503. INVESTIGATION OF APPLICATION. On the filing of an...

Section 353.504. Approval or Denial of Application - Sec. 353.504. APPROVAL OR DENIAL OF APPLICATION. (a) The commissioner...

Section 353.505. Disposition of Fees on Denial of Application - Sec. 353.505. DISPOSITION OF FEES ON DENIAL OF APPLICATION. If...

Section 353.5055. License Term - Sec. 353.5055. LICENSE TERM. A license issued under this chapter...

Section 353.506. License Fee - Sec. 353.506. LICENSE FEE. Not later than the 30th day...

Section 353.5065. Grounds for Refusal of Renewal - Sec. 353.5065. GROUNDS FOR REFUSAL OF RENEWAL. The commissioner may...

Section 353.507. Expiration of License on Failure to Pay Fee - Sec. 353.507. EXPIRATION OF LICENSE ON FAILURE TO PAY FEE....

Section 353.508. License Suspension or Revocation - Sec. 353.508. LICENSE SUSPENSION OR REVOCATION. After notice and opportunity...

Section 353.509. Reinstatement of Suspended License; Issuance of New License After Revocation - Sec. 353.509. REINSTATEMENT OF SUSPENDED LICENSE; ISSUANCE OF NEW LICENSE...

Section 353.510. Surrender of License - Sec. 353.510. SURRENDER OF LICENSE. A license holder may surrender...

Section 353.511. Effect of License Suspension, Revocation, or Surrender - Sec. 353.511. EFFECT OF LICENSE SUSPENSION, REVOCATION, OR SURRENDER. (a)...

Section 353.512. Transfer or Assignment of License - Sec. 353.512. TRANSFER OR ASSIGNMENT OF LICENSE. A license may...

Section 353.513. Adoption of Rules - Sec. 353.513. ADOPTION OF RULES. (a) The finance commission may...

Section 353.514. General Investigation - Sec. 353.514. GENERAL INVESTIGATION. To discover a violation of this...

Section 353.515. Sharing of Information - Sec. 353.515. SHARING OF INFORMATION. To ensure consistent enforcement of...

Chapter 354 - Debt Cancellation Agreements for Certain Retail Vehicle Installment Sales

Section 354.001. Definitions - Sec. 354.001. DEFINITIONS. In this chapter: (1) "Contract" means a...

Section 354.002. Limitation on Certain Debt Cancellation Agreements - Sec. 354.002. LIMITATION ON CERTAIN DEBT CANCELLATION AGREEMENTS. (a) This...

Section 354.003. Debt Cancellation Agreements Exclusion Language - Sec. 354.003. DEBT CANCELLATION AGREEMENTS EXCLUSION LANGUAGE. (a) In addition...

Section 354.004. Required Debt Cancellation Agreement Language - Sec. 354.004. REQUIRED DEBT CANCELLATION AGREEMENT LANGUAGE. A debt cancellation...

Section 354.005. Approval of Forms for Debt Cancellation Agreements - Sec. 354.005. APPROVAL OF FORMS FOR DEBT CANCELLATION AGREEMENTS. (a)...

Section 354.006. Additional Requirements for Debt Cancellation Agreements - Sec. 354.006. ADDITIONAL REQUIREMENTS FOR DEBT CANCELLATION AGREEMENTS. (a) If...

Section 354.007. Refund for Debt Cancellation Agreements - Sec. 354.007. REFUND FOR DEBT CANCELLATION AGREEMENTS. (a) A refund...

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

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