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Texas Statutes (Last Updated: January 4, 2014) |
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FINANCE CODE |
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Title 4. REGULATION OF INTEREST, LOANS, AND FINANCED TRANSACTIONS |
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Subtitle B. LOANS AND FINANCED TRANSACTIONS |
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Chapter 342. CONSUMER LOANS |
| Subchapter A. GENERAL PROVISIONS; APPLICABILITY OF CHAPTER |
| § 342.001. DEFINITIONS |
| § 342.002. INTEREST COMPUTATION METHODS |
| § 342.003. PURCHASE FROM MORTGAGEE |
| § 342.004. CONSTITUTIONAL INTEREST; EXEMPTION FOR LOAN WITH INTEREST RATE OF 10 PERCENT OR LESS |
| § 342.005. APPLICABILITY OF CHAPTER |
| § 342.006. EXEMPTION FOR CERTAIN SECONDARY MORTGAGE LOANS |
| § 342.007. DEFERRED PRESENTMENT TRANSACTION |
| § 342.008. ATTEMPT TO EVADE LAW |
| § 342.009. RETURN OF PROPERTY IN SALE-LEASEBACK TRANSACTION |
| Subchapter B. AUTHORIZED ACTIVITIES; LICENSE |
| § 342.051. LICENSE REQUIRED |
| § 342.0515. RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACTIVITIES |
| § 342.052. ISSUANCE OF MORE THAN ONE LICENSE FOR A PERSON |
| § 342.053. AREA OF BUSINESS; LOANS BY MAIL |
| Subchapter C. APPLICATION FOR AND ISSUANCE OF LICENSE |
| § 342.101. APPLICATION REQUIREMENTS |
| § 342.102. BOND |
| § 342.103. INVESTIGATION OF APPLICATION |
| § 342.104. APPROVAL OR DENIAL OF APPLICATION |
| § 342.105. DISPOSITION OF FEES ON DENIAL OF APPLICATION |
| Subchapter D. LICENSE |
| § 342.151. NAME AND PLACE ON LICENSE |
| § 342.152. LICENSE DISPLAY |
| § 342.153. MINIMUM ASSETS FOR LICENSE |
| § 342.154. ANNUAL LICENSE FEE |
| § 342.155. EXPIRATION OF LICENSE ON FAILURE TO PAY ANNUAL FEE |
| § 342.156. LICENSE SUSPENSION OR REVOCATION |
| § 342.157. CORPORATE CHARTER FORFEITURE |
| § 342.158. LICENSE SUSPENSION OR REVOCATION FILED WITH PUBLIC RECORDS |
| § 342.159. REINSTATEMENT OF SUSPENDED LICENSE; ISSUANCE OF NEW LICENSE AFTER REVOCATION |
| § 342.160. SURRENDER OF LICENSE |
| § 342.161. EFFECT OF LICENSE SUSPENSION, REVOCATION, OR SURRENDER |
| § 342.162. MOVING AN OFFICE |
| § 342.163. TRANSFER OR ASSIGNMENT OF LICENSE |
| Subchapter E. INTEREST CHARGES ON NON-REAL PROPERTY LOANS |
| § 342.201. MAXIMUM INTEREST CHARGE |
| § 342.202. MAXIMUM CHARGE FOR LOAN WITH SINGLE REPAYMENT |
| § 342.203. ADDITIONAL INTEREST FOR DEFAULT: REGULAR TRANSACTION |
| § 342.204. ADDITIONAL INTEREST FOR INSTALLMENT DEFERMENT: REGULAR TRANSACTION |
| § 342.205. COLLECTION OF DEFAULT OR DEFERMENT INTEREST |
| § 342.206. ADDITIONAL INTEREST FOR DEFAULT: IRREGULAR TRANSACTION |
| Subchapter F. ALTERNATE CHARGES FOR CERTAIN LOANS |
| § 342.251. MAXIMUM CASH ADVANCE |
| § 342.252. ALTERNATE INTEREST CHARGE |
| § 342.253. MAXIMUM INTEREST CHARGE FOR LOAN WITH SINGLE REPAYMENT |
| § 342.254. NO OTHER CHARGES AUTHORIZED |
| § 342.255. MAXIMUM LOAN TERM |
| § 342.256. REFUND |
| § 342.257. DEFAULT CHARGE; DEFERMENT OF PAYMENT |
| § 342.258. SCHEDULES FOR WEEKLY, BIWEEKLY, OR SEMIMONTHLY INSTALLMENTS |
| § 342.259. LOANS WITH LARGER ADVANCES |
| Subchapter G. INTEREST AND OTHER CHARGES ON SECONDARY MORTGAGE LOANS |
| § 342.301. MAXIMUM INTEREST CHARGE |
| § 342.302. ADDITIONAL INTEREST FOR DEFAULT: REGULAR TRANSACTION OR TRANSACTION INCLUDING SIMPLE INTEREST |
| § 342.303. ADDITIONAL INTEREST FOR INSTALLMENT DEFERMENT: REGULAR TRANSACTIONS |
| § 342.304. COLLECTION OF DEFAULT OR DEFERMENT INTEREST |
| § 342.305. ADDITIONAL INTEREST FOR DEFAULT: IRREGULAR TRANSACTION |
| § 342.306. DATE OF FIRST SCHEDULED INSTALLMENT |
| § 342.307. AMOUNTS AUTHORIZED TO BE INCLUDED IN CONTRACT |
| § 342.308. AMOUNTS AUTHORIZED TO BE COLLECTED OR ADDED TO LOAN |
| Subchapter H. REFUND OF PRECOMPUTED INTEREST |
| § 342.351. REFUND OF PRECOMPUTED INTEREST: SUM OF THE PERIODIC BALANCES |
| § 342.352. REFUND OF PRECOMPUTED INTEREST ON CONTRACT: SCHEDULED INSTALLMENT EARNINGS |
| § 342.353. NO REFUND ON PARTIAL PREPAYMENT OR OF AMOUNT LESS THAN $1 |
| Subchapter I. INSURANCE |
| § 342.401. REQUIRED PROPERTY INSURANCE |
| § 342.402. CREDIT LIFE INSURANCE, CREDIT HEALTH AND ACCIDENT INSURANCE, OR INVOLUNTARY UNEMPLOYMENT INSURANCE |
| § 342.4021. AGREEMENTS REGARDING DEBT SUSPENSION, DEBT CANCELLATION, AND GAP WAIVER |
| § 342.403. MAXIMUM AMOUNT OF INSURANCE COVERAGE |
| § 342.404. INSURANCE NOTICE |
| § 342.405. INSURANCE MAY BE FURNISHED BY BORROWER |
| § 342.406. BORROWER'S FAILURE TO PROVIDE REQUIRED INSURANCE |
| § 342.407. REQUIREMENTS FOR INCLUDING INSURANCE CHARGE IN CONTRACT |
| § 342.408. FURNISHING OF INSURANCE DOCUMENT TO BORROWER |
| § 342.409. LENDER'S DUTY IF INSURANCE IS ADJUSTED OR TERMINATED |
| § 342.410. PAYMENT FOR INSURANCE FROM LOAN PROCEEDS |
| § 342.411. INSURANCE OR OTHER GAIN NOT INTEREST |
| § 342.412. ACTION UNDER SUBCHAPTER NOT SALE OF INSURANCE |
| § 342.413. REQUIRED AGENT OR BROKER PROHIBITED |
| § 342.414. DECLINATION OF EQUAL INSURANCE COVERAGE PROHIBITED |
| § 342.415. EFFECT OF UNAUTHORIZED INSURANCE CHARGE |
| § 342.416. NONFILING INSURANCE |
| Subchapter J. AUTHORIZED LENDER'S DUTIES AND AUTHORITY |
| § 342.451. DELIVERY OF INFORMATION TO BORROWER |
| § 342.452. RECEIPT FOR CASH PAYMENT |
| § 342.453. ACCEPTANCE OF PREPAYMENT |
| § 342.454. RETURN OF INSTRUMENTS TO BORROWER ON REPAYMENT |
| § 342.455. AGREEMENT FOR MORE THAN ONE LOAN OR CASH ADVANCE |
| § 342.456. AGREEMENT TO MODIFY TERM OF SECONDARY MORTGAGE LOAN CONTRACT |
| § 342.457. AUTOMOBILE CLUB MEMBERSHIP OFFERED IN CONNECTION WITH A LOAN |
| Subchapter K. LIMITATIONS ON AUTHORIZED LENDER |
| § 342.501. OBLIGATION UNDER MORE THAN ONE CONTRACT |
| § 342.502. AMOUNT AUTHORIZED |
| § 342.503. SECURITY FOR LOAN |
| § 342.504. CONFESSION OF JUDGMENT; POWER OF ATTORNEY |
| § 342.505. DISCLOSURE OF AMOUNT FINANCED AND SCHEDULE OF PAYMENTS |
| § 342.506. INSTRUMENT WITH BLANK PROHIBITED |
| § 342.507. WAIVER OF BORROWER'S RIGHT PROHIBITED |
| § 342.508. MAXIMUM LOAN TERM |
| Subchapter L. ADMINISTRATION OF CHAPTER |
| § 342.551. ADOPTION OF RULES |
| § 342.552. EXAMINATION OF LENDERS; ACCESS TO RECORDS |
| § 342.553. GENERAL INVESTIGATION |
| § 342.554. CERTIFICATE; CERTIFIED DOCUMENT |
| § 342.555. TRANSCRIPT OF HEARING: PUBLIC |
| § 342.556. APPOINTMENT OF AGENT |
| § 342.557. PAYMENT OF EXAMINATION COSTS AND ADMINISTRATION EXPENSES |
| § 342.558. AUTHORIZED LENDER'S RECORDS |
| § 342.559. ANNUAL REPORT |
| § 342.560. CONDUCTING ASSOCIATED BUSINESS |
| Subchapter M. DEFERRED PRESENTMENT TRANSACTIONS |
| § 342.601. DEFINITIONS |
| § 342.602. DISCLOSURES TO MILITARY BORROWERS |
| § 342.603. PROHIBITED PRACTICES |
| § 342.604. MILITARY BORROWER |
| § 342.605. REPAYMENT AGREEMENT |