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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 345. RETAIL INSTALLMENT SALES |
| Subchapter A. GENERAL PROVISIONS |
| § 345.001. DEFINITIONS |
| § 345.002. GOODS |
| § 345.003. SERVICES |
| § 345.004. CASH PRICE |
| § 345.005. ITEMIZED CHARGE |
| § 345.006. TIME PRICE DIFFERENTIAL NOT INTEREST |
| § 345.007. APPLICABILITY OF CHAPTER |
| § 345.008. APPLICABILITY OF OTHER STATUTES TO RETAIL INSTALLMENT TRANSACTION |
| § 345.009. DISCLOSURE REQUIREMENTS IF CONFLICT WITH FEDERAL LAW |
| Subchapter B. RETAIL INSTALLMENT CONTRACT |
| § 345.051. RETAIL INSTALLMENT CONTRACT GENERAL REQUIREMENTS |
| § 345.052. CONTENTS OF CONTRACT |
| § 345.053. DISCLOSURE OF PROMISE TO COMPENSATE FOR REFERRAL |
| § 345.054. TIME PRICE DIFFERENTIAL FOR CONTRACT |
| § 345.055. TIME PRICE DIFFERENTIAL FOR CONTRACT PAYABLE IN EQUAL MONTHLY PAYMENTS |
| § 345.056. USE OF OPTIONAL CEILING |
| § 345.057. TIME PRICE DIFFERENTIAL FOR OTHER CONTRACTS |
| § 345.058. MINIMUM TIME PRICE DIFFERENTIAL FOR CONTRACT |
| § 345.059. PRINCIPAL BALANCE COMPUTATION |
| § 345.060. CHARGES FOR DEFAULT IN PAYMENT OF INSTALLMENT |
| § 345.061. CHARGES FOR COLLECTING DEBT |
| § 345.062. ACCELERATION OF DEBT MATURITY |
| § 345.063. REQUIREMENTS FOR CONTRACT THAT IS MORE THAN ONE DOCUMENT |
| § 345.064. COMPLETION OF CONTRACT |
| § 345.065. DELIVERY OF COPY OF CONTRACT |
| § 345.066. BUYER'S RIGHT TO RESCIND CONTRACT |
| § 345.067. BUYER'S ACKNOWLEDGMENT OF DELIVERY OF CONTRACT COPY |
| § 345.068. BAILMENT OR LEASE AS RETAIL INSTALLMENT TRANSACTION |
| § 345.069. DEFERMENT OF INSTALLMENT |
| § 345.070. AMENDMENT OF CONTRACT |
| § 345.071. CONFIRMATION OF AMENDMENT |
| § 345.072. CONTRACT AFTER AMENDMENT |
| § 345.073. PREPAYMENT OF CONTRACT |
| § 345.074. REFUND CREDIT ON PREPAYMENT |
| § 345.075. AMOUNT OF REFUND CREDIT FOR MONTHLY INSTALLMENT CONTRACT |
| § 345.076. AMOUNT OF REFUND CREDIT FOR OTHER CONTRACTS |
| § 345.077. REINSTATEMENT OF CONTRACT |
| § 345.078. CONSOLIDATION OF CONTRACTS |
| § 345.079. ALLOCATION OF PAYMENTS ON CONSOLIDATION OF CONTRACTS |
| § 345.080. OBLIGATION UNDER MORE THAN ONE CONTRACT |
| § 345.081. CERTIFICATE OF COMPLETION OR SATISFACTION OF CONTRACT |
| § 345.082. STATEMENT OF PAYMENTS AND AMOUNT DUE UNDER CONTRACT |
| § 345.083. RECEIPT FOR CASH PAYMENT |
| Subchapter C. RETAIL CHARGE AGREEMENT |
| § 345.101. MAKING RETAIL CHARGE AGREEMENT |
| § 345.102. AGREEMENT GENERAL REQUIREMENTS |
| § 345.103. TIME PRICE DIFFERENTIAL FOR AGREEMENT |
| § 345.104. USE OF OPTIONAL CEILING |
| § 345.105. CHARGES FOR COLLECTION OF PAYMENT OF AGREEMENT |
| § 345.106. PROCESSING FEE FOR RETURNED CHECK |
| § 345.107. PROHIBITED FEES |
| § 345.108. PROHIBITION ON SIGNING OF AGREEMENT WITH BLANK SPACES |
| § 345.109. DELIVERY OF COPY OF AGREEMENT |
| § 345.110. BUYER'S ACKNOWLEDGMENT OF DELIVERY OF AGREEMENT COPY |
| § 345.111. STATEMENT OF CASH PRICE |
| § 345.112. AGREEMENT BALANCE STATEMENT |
| § 345.113. COMPLIANCE WITH FEDERAL LAW CONSIDERED COMPLIANCE WITH CHAPTER'S DISCLOSURE REQUIREMENTS |
| Subchapter D. ALTERNATE FINANCE CHARGE CEILING |
| § 345.155. TIME PRICE DIFFERENTIAL COMPUTATION AND AMOUNT |
| § 345.156. WHEN CHARGING OF TIME PRICE DIFFERENTIAL PROHIBITED |
| § 345.157. DELINQUENCY CHARGE |
| § 345.158. RETAIL CHARGE AGREEMENT TO WHICH SUBCHAPTER DOES NOT APPLY |
| Subchapter E. INSURANCE |
| § 345.201. PROPERTY INSURANCE |
| § 345.202. CREDIT LIFE, CREDIT HEALTH AND ACCIDENT, AND CREDIT INVOLUNTARY UNEMPLOYMENT INSURANCE |
| § 345.203. MAXIMUM AMOUNT OF INSURANCE COVERAGE |
| § 345.204. INSURANCE STATEMENT |
| § 345.205. INSURANCE MAY BE FURNISHED BY BUYER |
| § 345.206. BUYER'S FAILURE TO PROVIDE EVIDENCE OF INSURANCE |
| § 345.207. CHARGES FOR OTHER INSURANCE INCLUDED IN RETAIL INSTALLMENT CONTRACT |
| § 345.208. REQUIREMENTS FOR INCLUDING INSURANCE CHARGE IN CONTRACT OR AGREEMENT |
| § 345.209. DELIVERY OF INSURANCE DOCUMENT TO BUYER |
| § 345.210. HOLDER'S DUTY IF INSURANCE IS ADJUSTED OR TERMINATED |
| § 345.211. GAIN OR ADVANTAGE FROM INSURANCE NOT ADDITIONAL CHARGE |
| § 345.212. NONFILING INSURANCE |
| § 345.213. INCLUSION OF INSURANCE PREMIUMS |
| § 345.214. ADDING TO RETAIL INSTALLMENT CONTRACT PREMIUMS FOR INSURANCE ACQUIRED AFTER TRANSACTION |
| § 345.215. EFFECT OF ADDING PREMIUM TO CONTRACT OR AGREEMENT |
| Subchapter F. SPECIAL FEES AND FINANCE RATES |
| § 345.251. DOCUMENTARY FEE FOR CERTAIN VEHICLES |
| § 345.252. TIME PRICE DIFFERENTIAL FOR CERTAIN PREPAID FUNERAL BENEFITS |
| § 345.253. TIME PRICE DIFFERENTIAL FOR MEDICAL AND DENTAL SERVICES |
| Subchapter G. ACQUISITION OF CONTRACT, AGREEMENT, OR BALANCE |
| § 345.301. AUTHORITY TO ACQUIRE |
| § 345.302. LACK OF NOTICE DOES NOT AFFECT VALIDITY AS TO CERTAIN CREDITORS |
| § 345.303. PAYMENT BY BUYER |
| § 345.304. PRESERVATION OF BUYER'S RIGHT OF ACTION OR DEFENSE |
| Subchapter H. OTHER PROVISIONS APPLICABLE TO CONTRACTS AND AGREEMENTS |
| § 345.351. REGISTRATION OF HOLDER |
| § 345.352. SELLER'S PROMISE TO PAY OR TENDER OF CASH TO BUYER AS PART OF TRANSACTION |
| § 345.353. MAKING OF CONTRACT OR AGREEMENT BY MAIL OR TELEPHONE |
| § 345.354. PROHIBITION ON POWER OF ATTORNEY TO CONFESS JUDGMENT AND ASSIGNMENT OF WAGES |
| § 345.355. PROHIBITION ON CERTAIN ACTS OF REPOSSESSION |
| § 345.356. BUYER'S WAIVER |
| § 345.357. PROHIBITION ON CERTAIN LIENS |