Administrative Rules for Regulated Lenders
Rules, Texas Administrative Code
These are direct links to the Secretary of State's Website.
Title
7. Banking and Securities
Part
1. Finance Commission of Texas
Chapter
1. Consumer Credit Regulation
Subchapter
B. Interpretations and Advisory Letters
§1.201
Part
5. Office of Consumer Credit Commissioner
Chapter
82. Administration
82.2. Public Information Requests; Charges
Chapter
83. Consumer Loans
Subchapter
A. General Provisions
§83.101. Purpose and Scope
§83.102. Definitions
Subchapter B. Authorized Activities
§83.201. Responsibility for Acts of Agents
§83.202. Knowledge of Laws and Regulations Required
§83.203. Attempted Evasion of Applicability of Chapter
§83.204. Multiple Licenses
§83.205. Loans by Mail
Subchapter C. Application Procedures
§83.301. Definitions
§83.302. Filing of New Application
§83.303. Transfer of License
§83.304. Change in Form or Proportionate Ownership
§83.305. Amendments to Pending a Application
§83.306. Reportable Actions After Application
§83.307. Processing of Application
§83.308. Relocation
83.309. License Status
§83.310. Fees
§83.311. Applications and Notices as Public Records
§83.401. Branch Networks
§83.402. License Display
§83.403. Notice of Delinquency in Payment of Annual Fee
§83.404. Effect of Criminal History Information on Applicants and Licensees
§83.405. Crimes Directly Related to Fitness for Licensees; Mitigating Factors
§83.406. Effect of Revocation; Suspension or Surrender of License
§83.407. Application Process after Surrender or Revocation
§83.408. License Reissuance
Subchapter E. Interest Charges on Loans
§83.501. Maximum Interest Charge
§83.502. Treatment of Periods Less Than a Full Month Before the First Installment Date
§83.503. Administrative Fee
§83.504. Default Charges
§83.505. Deferment
Subchapter F. Alternate Charges for Consumer Loans
§83.601. Authorized Charges
§83.602. Default Charges
§83.603. Deferment Charges
§83.604. Payday Loans; Deferred Presentment Transactions
§83.605. Limitation on Acquisition Charge
Subchapter G. Interest and Other Charges on Secondary Mortgage Loans
§83.701. Maximum Interest Charge
§83.702. Treatment of Periods Less Than a Full Month
§83.703. Default Charges §83.704. Deferment
§83.705. Amounts Authorized To Be Charged After Consummation
§83.706. Amounts Authorized To Be Collected on or Before Closing
§83.707. Other Fees §83.708. Balloon Payments
Subchapter H. Refunds for Precomputed Loans
§83.751. Scope
§83.752. Specific Application to Subchapter E and G Loans
§83.753. Refund of Precomputed Interest in Regular Subchapter E
§83.754. Refund of Precomputed Interest in Subchapter G Loans
§83.755. Specific Application to Subchapter F Loans
§83.756. Refund of Precomputed Interest in Subchapter F Loans; Prepayment in Full Before the First Installment Due Date
§83.757. Refund of Precomputed Interest in Subchapter F Loans; Prepayment in Full After the First Installment Due Date and Before the Final Installment Due Date
§83.758. Excess Refunds
§83.801. Definitions
§83.802. Authorized Property Insurance
§83.803. Limitations on Property Insurance
§83.804. Claim Provisions for Property Insurance Other Than Insurance Covering Motor Vehicles
§83.805. Authorized Credit Insurance
§83.806. Provision of Policy or Certificate
§83.807. Single-Interest Insurance
§83.808. Termination and Refund
§83.809. Prepayment of Loan from Insurance Proceeds
§83.810. Evidence of Equal Insurance Coverage
§83.811. Nonfiling Insurance
§83.812. Gap Waiver Agreement
Subchapter J. Duties and Authority of Authorized Lenders
§83.826. Quotation of Net Pay-Offs
§83.827. Return of Instruments to Borrower
§83.828. Files and Records Required (Subchapter E and F Lenders)
§83.829. Files and Records Required. (Subchapter G Lenders)
§83.830. Files and Records Required. (Subchapter G Mortgage Brokers)
§83.831. Approval of Electronic Recordkeeping Systems and Optical Imaging Systems
§83.832. Review of Records
§83.833. Correction of Errors or Violations
§83.834. Unclaimed Funds
§83.835. Annual Report
§83.836. Follow-Up Examination Fees
§83.837. Disclosure When Automobile Club Membership Offered in Connection with Loan
Subchapter K. Prohibitions on Authorized Lenders
§83.851. Duplication of Loans
§83.852. Loan Size, Duration, and Schedule of Installments: Limitation
§83.853. Misleading Advertising
§83.854. Conditional Offers of Credit
§83.855. Advertisements in Form of Negotiable Instruments
§83.856. Use of State Agency Name
§83.857. Full Disclosure Requirements-Other Than Open-End or Revolving Loan Plans
§83.858. Full Disclosure Requirements-Open-End and Revolving Loan Plans
§83.859. Collection Practices
§83.860. Collection Contacts
§83.861. Simulated Legal Process or Documents Prohibited
§83.862. Impersonation and Fictitious Names Prohibited
