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[]
[]
["Annual Report Due Date:  March 31, 2016 (§89.404, Texas Administrative Code)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Report Submission"]
["Annual Report must be submitted by March 31, 2016.  You may submit your annual report by email to:"]
["annualreport@occc.texas.gov"]
[" "]
["2015 Property Tax Lender Reporting Document (Excel workbook)"]
["The annual report is to be completed using the provided Excel workbook, which will allow for more efficient data recording and compilation by the agency. The workbook provides working documents for:"]
["\u009f  Annual Report Cover Page"]
["\u009f  Schedules A – I (Main Tab)"]
["\u009f  Forms (worksheets) for any needed supplemental documentation or explanations.    "]
[" "]
["The working forms are provided in an Excel-based workbook.  The workbook is comprised of several worksheets (tabbed pages) that contain worksheets on which to report annual data, figures, and supplemental material.  Specific guidelines for each worksheet are presented in the following paragraphs and illustrations."]
["Once the document has been completed, you may submit the document according to the submission guidelines provided above. "]
[]
["Click on the “Cover Page” tab to respond to general questions regarding business operations.  \n"]
["The Cover Page is a 2-page document. Scroll down on the screen to view the second page.\n"]
["If you need to submit supporting explanations (e.g. for question 3), you may include supporting explanations or lists in the tabs provided."]
[]
["Essential Guidelines for Reporting"]
[]
["Ø  Failure to include your Master File Number and requested license (see Cover Page) will result in your submission not being accepted nor recorded as received by the agency."]
["Ø  Read all instructions before completing and submitting the annual report."]
["Ø  All report data must comply with generally accepted accounting principles (GAAP) and be submitted using OCCC-provided forms. A financial statement will not serve as a valid substitute."]
["Ø  Complete all schedules ensuring all figures and comments are legible. If a specific schedule is not applicable to your report, indicate “Not Applicable” or “N/A” on that specific schedule."]
["Ø  All report data must reflect “net” figures. Do not report gross figures."]
["Ø  Report all figures and monetary amounts as whole dollars. Check final figures and calculations for possible rounding errors and accuracy of totals."]
["Ø  Express all figures as full amounts. Do not report data in terms of hundreds, thousands or similar presentation."]
["Ø  Report all assets, liabilities, realized and accrued income, and expenses as they appear in your accounting records. If your items are recorded in the annual report differently than as they appear in your accounting records, you must include a statement explaining the discrepancy."]
["Ø  No fees are due with the annual report filing."]
[]
["Special Situations & Considerations"]
[]
["Ø  Companies or Individuals Holding Multiple Licenses "]
["\u009f  Each company or individual holding more than one license should file one consolidated report for all licenses under each company and master file license number. "]
["\u009f  Different entity types cannot be combined within a consolidated report (i.e., partnerships and corporations should not be combined in a consolidated report even if one person controls both entities) "]
["\u009f  Each different legal entity is required to file a separate report."]
["Ø  Licensees that had no reportable business during the report year must complete the cover page, and"]
["\u009f  Any applicable parts of Schedule A, to demonstrate net asset requirements have been maintained, and"]
["\u009f  Schedule B, if the licensee had other income and expenses."]
["\u009f  All other schedules should be marked “Not Applicable.” "]
["Ø  Licensees Doing Business Outside the State of Texas "]
["\u009f  Schedules A and B should reflect all of the licensee’s financial activities at the national level."]
["\u009f  Schedules C through I should reflect only business activity within the state of Texas. "]
[]
["\u009f Click on the “Main”” tab to access and complete Schedules A through I."]
["\u009f Complete the remainder of the schedules by entering data and figures as appropriate. This worksheet is a multi-page document; ensure you complete all sections."]
["\u009f If supporting statements or documentation is needed for Schedules E and H, you may include that information in the tabs provided.  "]
[]
["Ø  Publicly-Held Licensees"]
["\u009f  Submit a copy of the Annual Report and any Form 10-K filing for the report year. "]
["\u009f  If the licensee does not prepare the reports, provide the parent company’s annual report or 10-K form."]
["Ø  Mortgage Brokers"]
["\u009f  Complete only the cover page and Schedules A, B, and E, if the broker:"]
["1)      arranges, transacts[1], or negotiates[2] mortgage loans, AND "]
["2)      does not hold, service, or collect any mortgage loans "]
["\u009f  Complete all schedules if the broker does not meet the conditions above. "]
[]
["Instructions for Individual Schedules and Forms"]
[]
["Use these instructions, as needed, to find answers to your questions and help you to complete the annual report forms correctly. "]
[]
["Instructions for Cover Page and Licensee’s Verification"]
["Complete both pages in their entirety.  Incomplete or incorrect reports will be returned for correction."]
["·         Header: Record the master file number, company name, and home office address information related to this annual report filing."]
["·         Line 1:  Indicate whether the report represents a filing for a single regulated lender license, or whether the report represents a consolidated report for multiple regulated lender licenses held under a common master file number. Attach supplementary documents as indicated and appropriate."]
["·         Line 2: Indicate whether the licensee(s) writes or procures insurance products associated with property tax loans. Submit supplementary documents as indicated and appropriate."]
["·         Line 3: Indicate whether a significant change in ownership, management, or organization has occurred during the report year.  Submit supplementary documents as indicated and appropriate."]
["·         Line 4:  Indicate which types of business the licensee(s) was engaged in during the report year."]
["·         Line 5:  Indicate whether any business is conducted at the licensed location by someone other than the licensee(s). Submit supplementary documents as indicated and appropriate."]
["·         Line 6:  Indicate whether the licensee transferred or assigned any property tax loans. Submit supplementary documents as indicated and appropriate."]
["·         Line 7:  Indicate whether the licensee(s) has had a license denied, suspended or revoked during the report year. All licenses that may be issued by a state or federal regulatory agency are to be considered when answering this question (e.g. state driver’s licenses, professional licenses, etc.). Submit supplementary documents as indicated and appropriate."]
["·         Line 8:  Report whether the licensee(s) has entered into a financial settlement as the result of claims relating to extensions of credit or collection activity. Submit supplementary documents as indicated and appropriate."]
["·         Line 9:  Report whether the licensee(s) has been subject to a binding arbitration or civil litigation during the report year. Submit supplementary documents as indicated and appropriate."]
[]
["Instructions for Schedule A: Balance Sheet"]
["ü  Report all figures as net, not gross. "]
["ü  Pre-computed loans: Use the figures that are net of unearned interest and charges. "]
["ü  Lines 9 (Total Assets) and 15 (Total Liabilities and Owner’s Equity) should be equal to each other."]
[]
["Assets"]
["\u009f  Line 1: Enter the total cash on hand and in bank(s) as of December 31st of the report year. "]
["\u009f  Line 2: This figure is specific to loans made in Texas that are regulated according to Chapter 351 of the Texas Finance Code. This figure should equal Line 1 of Schedule C."]
["\u009f  Line 3: Enter the total of all Non-Texas loans and retail accounts receivable as of December 31st."]
["\u009f  Line 4: Enter the estimated losses on loans due to defaults and nonpayment. Line 4 should be recorded as a positive number."]
["\u009f  Line 5: This amount should be the sum of lines 2 through 4."]
["\u009f  Line 6: Enter the value of all other assets that can reasonably expected to be converted into cash within one year. Current assets include cash and cash equivalents, accounts receivable, inventory, marketable securities, prepaid expenses and other liquid assets that can be readily converted to cash.\n"]
["\u009f  Line 7: This amount should be the sum of Lines 1, 5, and 6."]
["\u009f  Line 8: Report the total of all other assets devoted to the business. Report depreciable assets net of depreciation."]
["\u009f  Line 9: Total Lines 7 and 8."]
["Liabilities and Owner’s Equity "]
["\u009f  Line 10: Record borrowed funds for lending as of December 31"]
["\u009f  Line 11: Enter the total company debts or obligations that are due within one year. Current liabilities include short term debt, accounts payable, accrued liabilities and other debts."]
["\u009f  Line 12: Enter the total company debt or obligations that are due in longer than one year."]
["\u009f  Line 13: This amount should be the sum of lines 11 through 12."]
["\u009f  Line 14: Record Owner's Equity.  This figure should be the difference of Line 9 (Total Assets) and Line 13 (Total Liabilities). "]
["\u009f  Line 15: The amount on this line should equal Line 9 (Total Assets). If owner’s equity does not equal or exceed the net assets requirement, submit additional documentation as appropriate and indicated within Schedule A."]
[]
["Instructions for Schedule B: Statement of Income and Expenses"]
["ü  Report all figures as net, not gross. "]
["ü  Note that interest income is requested by loan type."]
["Income"]
["\u009f  Line 1: Report the interest income earned from loans regulated according to Chapter 351 (Texas-only transactions). See Schedule A instructions for loan descriptions."]
["\u009f  Line 2:  Report the income earned for any mortgage loans."]
["\u009f  Line 3:  Include other types of income not reported on Lines 1-2 and earned company-wide."]
["\u009f  Line 4:  Total Lines 1-3."]
["Expenses"]
["\u009f  Lines 5-8: Report the expenses specific to your Texas property tax loan operations, and within the categories provided (bad debts, salaries, interest incurred, and other expenses)."]
["\u009f  Line 9: Provide a company-wide total for expenses related to all business activities other than property tax loans in Texas (include bad debts, salaries, interest incurred, and other expenses)."]
["\u009f  Line 10: Total Lines 5-9."]
["\u009f  Line 11: Line 4 minus Line 10.\n\u009f Line 12: Report company-wide federal income tax figures for the report year."]
["\u009f  Line 13: Report the Net Income (Loss). This figure should be difference of Line 11 (Net income before taxes) and Line 12 (Federal income taxes).  "]
[]
["Note:  Schedules C through Schedule I reflect data relative to"]
["business activities conducted within the State of Texas"]
[]
[]
["Schedule C: Loans Receivable Balances"]
["ü  Report dollar figures as net amounts, excluding unearned charges and unearned interest and charges on pre-computed loans. "]
["ü  Dollar value totals for multiple loan products authorized by a single subchapter should match the totals you provided on Schedule A for each subchapter."]
["\u009f  Line 1: Record any loans receivable that are regulated by Chapter 351 of the Texas Finance Code. This figure should equal Line 2 of Schedule A."]
["\u009f  Line 2:  Record other mortgage receivables to include home equity (first and second lien mortgage), home improvement or purchase money loans, and loans made under Chapter 342.G. "]
["\u009f  Line 3:  Total Lines 1-2."]
[]
["Schedule D: Loans Made"]
["ü  Complete Schedule D for both Residential and Non-Residential Loans Transacted in the Calendar Year. "]
["ü  Residential Loans:  \"Category A (Real Property: Single-Family Residential),\" and homesteads designated as \"Category E (Real Property: Farm and Ranch Improvements)\" by the Property Classification Guide published by the Texas Comptroller of Public Accounts."]
["ü  Non-Residential Loans: Loans for properties that are not classified as Category A or Category E by the Property Classification Guide published by the Texas Comptroller of Public Accounts."]
["\u009f  Line 1:  Record the total number of loans (and renewals) made under Chapter 351 and the dollar value of those loans."]
["\u009f  Line 2:  Report the total number and amount of tax lien transfers from taxing units for taxes, penalties, interest, legal fees, and court costs (If multiple taxing units or years are involved in the transaction consider it one transfer. If multiple properties are involved consider them multiple transfers)."]
["\u009f  Line 3:  Report total closing costs in connection with property tax loan closings."]
["\u009f  Line 4: Report the average note rate charged on the principal balance of new loans made or renewed. (Report average as an equal weighting regardless of loan size)"]
[]
["Schedule E: Delinquency and Collections"]
["ü  This schedule requests three types of information related to collection activities. "]
["\u009f  Lines 1-2: Report the number of loans and total loan balances for accounts contractually delinquent by more than 60 and 90 days, respectively. Use figures from after year-end charge-off."]
["\u009f  Lines 3: Regarding foreclosures[3], report the number of loans and total loan balances due that were foreclosed. Proceeds from sales should show the number of loans on which foreclosed collateral was sold and the gross proceeds from the sales."]
["\u009f  Line 4: Report the number of proceeds realized from the sale of collateral and the dollar value of those proceeds."]
[]
["Schedule F: Credit Insurance Sales"]
["ü  Information on credit life data should combine single and joint life policies "]
["\u009f  Line 1: Record the number of policies sold in conjunction with property tax loans.  "]
["\u009f  Line 2: Record the percentage of eligible loans covered.  "]
[]
["Calculation:  "]
["                                                                                                                                                     x   100"]
[]
["\u009f  Line 3:  Record the amount of net premiums for insurance sales."]
["\u009f  Lines 4-5: Record the number of paid claims and the dollar value of claims paid."]
["\u009f  Line 6: Record the Net Insurance Income/Retained Premium, which is the amount of income you derived from the sale of credit insurance. "]
[]
["Schedule G: Ancillary Products"]
["ü  This schedule requests data related to other products that some licensees sell as part of their property tax loan or mortgage business. "]
["\u009f  Line 1: Record the number of products sold."]
["\u009f  Line 2:  Record the amount of net premiums for products sold."]
["\u009f  Lines 3-4: Record the number of paid claims and the dollar value of claims paid."]
[]
["Schedule H: Escheat Account"]
["\u009f \u009f Line 1: Report the total amount of any refunds sent to the Texas Comptroller’s Unclaimed Property Division"]
["\u009f  Line 2: Record the ending balance of your escheat suspense account. "]
[]
["Schedule I: Payoff Information"]
[" ü Completion is optional for 2015 data but expected to be required for 2016 data."]
["ü  A paid out account is defined as a transaction where the account balance is repaid in full or extinguished but does not include a refinance with the existing property tax lender or an affiliate or a foreclosure by the property tax lender."]
["\u009f\u009f \u009f Line 1: Record the number of payoffs by the borrower or the estate of the borrower."]
[" \u009f Line 2: Record the number of payoffs by the pre-existing lienholders who were notified under the provisions of Texas Tax Code Section 32.06 or 32.065."]
["\u009f Line 3: Record the number of payoffs as a result of either a property sale or a mortgage company refinance."]
["\u009f Line 4: Record the number of payoffs as a result of a foreclosure sale (other than those foreclosed by the property tax lender)."]
["\u009f Line 5: Record the number of payoffs by another property tax lender who is not an affiliate (e.g. the borrower obtained a property tax loan from a different property tax lender and paid off the outstanding loan)."]
["\u009f Line 6: Record all other payoffs which were not reported in a category above."]
[]
[]
[]
["[1]Transacting a Loan: Any of the significant events associated with the lending process through funding, including the preparation, negotiation and execution of loan documents, and an advancement of money on behalf of a borrower by the lender to a third party. This also includes the act of arranging a loan. (§89.102(8), Texas Administrative Code)."]
["[2]Negotiating a Loan: The process of submitting and considering offers between a borrower and a lender with the objective of reaching agreement on the terms of a loan. The act of passing information between the parties can, by itself, be considered \"negotiation\" if it was part of the process of reaching agreement on the terms of a loan. \"Negotiation\" involves acts which take place before an agreement to lend or funding of a loan actually occurs. (§89.102(6), Texas Administrative Code)."]
["[3] A foreclosure is defined as one in which the property has been sold and the sale of that property has been recorded on a foreclosure deed. The ‘number’ of foreclosures reported in Line 3 should equal ‘number’ of sales of collateral reported on Line 4 in which proceeds were received. The dollar value of Lines 3 and 4 do not need to equal each other."]

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[]
[]
[]
[]
["Master File Number:"]
["Company Name:"]
["Home Office Address:"]
[null,null,null,"(Street)",null,null," ","(City, State)","(Zip)"]
[]
["Who may we contact regarding this report?"]
[]
["Name",null,null,null,"Mailing Address"]
["Title"]
["Phone No."]
["Fax No.",null,null,null,"Email Address"]
[]
[]
[1,"This report is for:",null,null,null,"Single License",null,"Lic. #"]
[null,null,null,null,null,"Multiple Licenses",null,"# of Licenses"]
[null,null,null,null,"Attach a list of all licensees that have been consolidated within this report. Include the licensee name, address, contact name, and license number."]
[]
[2,"Does the licensee participate in any way in writing or procuring insurance in connection with property tax lien loans?"]
[]
[null,null,"No",null,null,"Yes    Complete Schedule G, Credit Insurance Sales"]
[]
[3,"Has there been any significant change (5% or more) in ownership, management, or form of organization during the report year?"]
[]
[null,null,"No",null,null,"Yes   "]
[null,null,null,null,null,"If not previously reported to the agency, attach an explanation.  You may use the worksheet entitled \"5%+ Change\" to record your explanation."]
[]
[]
[4,"Indicate all applicable types of business transacted, serviced, or brokered by licensee."]
[null,null,"Property Tax Loan",null,null,"Home Improvement",null,"Purchase Money - secondary lien"]
[null,null,"Home Equity - first lien",null,null,"First Mortgage",null,"Refinance with no cash out"]
[null,null,"Home Equity - second lien",null,null,"Other:"]
[]
[5,"Is any business transacted by someone other than the licensee at the licensed location(s)?"]
[null,null,"No",null,null,"Yes   Indicate type of business: "]
[]
[]
[6,"Do you transfer or assign property tax loans?"]
[null,null,"No",null,null,"Yes   "]
[null,null,null,null,null,"Attach a list of legal entities to which you transfer(ed) or assign(ed) property tax lien loans. Include entity name, address, and contact information.  You may use the worksheet entitled \"Trans or Assign\" to record the information."]
[]
[]
[]
[]
[]
[]
[]
[7,"During the report year, has the licensee or any affiliate had any type of license denied, suspended or revoked?  All licenses that may be issued by a state or federal agency are to be considered in this when answering this question (e.g. driver's license, professional license, etc.)"]
[]
[]
[null,null,"No",null,null,"Yes    Attach a complete explanation"]
[null,null,null,null,null,"You may use the worksheet entitled \"License\" to record your explanation."]
[]
[8,"During the report year, has the licensee or any affiliate, or any agent thereof made a financial settlement with any person as a result of any claim relating to any extension of credit or collection activity?"]
[]
[null,null,"No",null,null,"Yes    Attach a report to explain any settlement in excess of $5000"]
[null,null,null,null,null,"You may use the worksheet entitled \"Fin Settle\" to record your explanation."]
[]
[9,"During the report year, has the licensee, any affiliate, or any agent thereof been subject to binding arbitration or been the subject of civil litigation with relation to any loan, extension of credit, or collection activity?"]
[]
[null,null,"No",null,null,"Yes    Attach a report detailing any Texas-based settlement or claims paid"]
[null,null,null,null,null,"You may use the worksheet entitled \"Arb-Lit\" to record your explanation."]

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[]
[null,"Property Tax Lender Verification Form"]
[]
[null,"Statement of Verification"]
[]
[null,"The undersigned officer or member swears that all statements made in this report or any attachments to this report are true, correct and complete. The undersigned officer or member acknowledges that submitting false, misleading, or incomplete answers in this report or any attachments to this report is grounds for license suspension or revocation."]
[]
[null,null,"  Checking this box serves as the electronic signature of the undersigned officer or member. \n            Note: Your annual report will not be considered complete if this box is not checked."]
[]
[]
[]
[null,"Name of Officer or Member"]
[]
[]
[null,"Title"]
[]
[]
[null,"Date  "]
[null,null,null,null,null,null,null,null," "]
[]
[null,"Master File Number"]
[]
[]
[null,"Company Name"]
[]
[]
[null,"Home Office Address    (Street, City, State, ZIP Code)"]
[]
[]
[null,"WARNING: Under Section 37.10 of the Texas Penal Code, knowingly making a false entry in this report is a third degree felony offense. Under Section 12.34 of the Texas Penal Code, a third degree felony offense is punishable by 2 to 10 years' imprisonment and up to a $10,000 fine."]
[]
[]
[]
[null,"Master File #:",{"$f":"B20","v":0},null,null,null,"Company Name:",{"$f":"B23","v":0}]
[]
[null,"Schedule A:  Balance Sheet    (Figures are company-wide)"]
[null,"More Information"]
[null,null,"Assets"]
[null,1,"Cash (Company-Wide)"]
[null,2,"Property tax loans receivable for Ch 351 transactions in Texas"]
[null,3,"Other accounts receivable (company-wide)"]
[null,4,"Less reserve for loan losses (company-wide)"]
[null,null,null,"(or allowance for doubtful accounts)"]
[null,5,"Net accounts receivable (company-wide)"]
[null,6,"Other current assets"]
[null,7,"Total current assets"]
[null,8,"Other business assets (company-wide)"]
[null,null,9,"Total Assets",null,null,null,{"$f":"H47+H46","v":0}]
[]
[null," ","Liabilities & Owner's Equity"]
[null,10,"Warehouse line of credit/borrowed funds for lending (company-wide)"]
[null,11,"Total current liabilities (company-wide)"]
[null,12,"Other liabilities (company-wide)"]
[null,null,13,"Total Liabilities",null,null,null,{"$f":"SUM(H52:H53)","v":0}]
[null,14,"Owner's equity (company-wide)"]
[null,null,15,"Total Liabilities & Owner's Equity",null,null,null,{"$f":"SUM(H54:H55)","v":0}]
[]
[null,"NET ASSETS REQUIREMENT: $25,000 PER LICENSE, whether active or inactive.\nIf the equity does not equal or exceed the net assets requirement and the business is a:\n\nProprietorship or General Partnership: attach owner's personal financial statement(s) to demonstrate adequate net assets.\n\nCorporation: if a more current financial statement shows adequate net assets, attach that report and explain any variances between that statement and Schedule A. "]
[]
[]
[]
[]
[]
[null,"Schedule B:  Statement of Income & Expenses    (Figures are company-wide)"]
[null,"More Information"]
[null,null,"Income"]
[null,1,"Interest earned on Ch 351 loans in Texas"]
[null,2,"Other mortgage loan income (company-wide)"]
[null,3,"Other business income"]
[null,null,4,"Total Income",null,null,null,{"$f":"SUM(H67:H69)","v":0}]
[null," ","Expenses"]
[null,5,"Bad debts incurred in connection with Texas property tax loan activity"]
[null,6,"Salaries incurred in connection with Texas property tax loan activity"]
[null,7,"Interest incurred in connection with Texas property tax loan activity"]
[null,8,"Other expenses incurred in connection with Texas regulated loan activity"]
[null,9,"Other business expenses (company-wide)"]
[null,null,10,"Total Expenses",null,null,null,{"$f":"SUM(H72:H76)","v":0}]
[null,11,"Net income before taxes (company-wide)",null,null,null,null,{"$f":"H70-H77","v":0}]
[null,12,"Federal income taxes (company-wide)"]
[null,null,13,"Net Income (Loss)",null,null,null,{"$f":"H78-H79","v":0}]
[]
[]
[null,"Schedules C through H:  Report data relative to business activities conducted within the State of Texas only."]
[]
[null,"Schedule C:  Loans Receivable    (Net of Unearned Charges)"]
[null,"More Information"]
[]
[null,null,null,null,null,null,null,"No. of Loans Receivable",null,"Amount Loaned"]
[null,1,"Property tax loans (Ch 351)"]
[null,2,"Other mortgage loans"]
[null,null,3,"Total",null,null,null,{"$f":"SUM(H89:H90)","v":0},null,{"$f":"SUM(J89:J90)","v":0}]
[null," ",null,null,null,null,null,null,null,null," "]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule D:  Loans Made    (Net of Interest or Other Finance Charges)"]
[null,"More Information"]
[]
[null," "," ",null,null,null,null,"No. of Loans Made",null,"Amount Loaned"]
[null,1,"Property tax loans (Ch 351)"]
[null,null,"A.  Residential"]
[null,null,"B.  Non-residential"]
[null,2,"Property Tax Lien Transfers"]
[null,null,"A.  Residential"]
[null,null,"B.  Non-residential"]
[]
[null,3,"Total Closing Costs"]
[null,null,"A.  Residential"]
[null,null,"B.  Non-residential"]
[null,4,"Average Interest Rate"]
[null,null,"A.  Residential"]
[null,null,"B.  Non-residential"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing.  "]
[]
[null,"Schedule E:  Delinquency and Collections"]
[null,"More Information"]
[]
[null,null,null,null,null,"Property Tax Loans",null,null,null,"Other Mortgage Loans"]
[]
[null,null,null,null,null,"Number",null,"Amount",null,"Number ",null,"Amount"]
[null,1,"60 - 89-day accounts"]
[null,2,"90-day accounts"]
[null,3,"Foreclosure of collateral"]
[null,4,"Proceeds from sales of collateral"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule F: Credit Insurance Sales"]
[null,"More Information"]
[]
[null,1,"Number of policies sold"]
[null,2,"Percentage of eligible loans covered"]
[null,3,"Net Premiums"]
[null,4,"Number of claims paid"]
[null,5,"Amount of claims paid"]
[null,6,"Net insurance income/retained premium"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule G: Ancillary Products"]
[null,"More Information"]
[]
[null,null,null,null,null,"Non-Credit Insurance*",null,"Misc*"]
[null,1,"Number Sold"]
[null,2,"Net Premiums"]
[null,3,"Number of claims paid"]
[null,4,"Amount of claims paid"]
[]
[null,"*Attach a list identifying type of non-credit insurance or miscellaneous products you sold. If multiple products are sold, list and report each separately."]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule H: Escheat Account"]
[null,"More Information"]
[]
[null,1,"Funds remitted to State of Texas"]
[null,2,"Escheat account balance, end of year"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule I: Payoff Information (Optional)"]
[null,"More Information"]
[null,"Completion is optional for 2015 data but expected to be required for 2016 data."]
[]
[null,null,"Property tax loan payoffs* by source"]
[null,1,"Borrower"]
[null,2,"Pre-existing lienholder"]
[null,3,"Property sale/Borrower refinance with mortgage company"]
[null,4,"Foreclosure sale (other than those foreclosed by the property tax lender)"]
[null,5,"Different property tax lender"]
[null,6,"Other"]
[]
[null,"* A paid out account is defined as a transaction where the account balance is repaid in full or extinguished but does not include a refinance with the existing property tax lender or an affiliate or a foreclosure by the property tax lender."]
[]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]

{"sheet":"5%+ Change","index":3,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"Main!B20","v":0},null,"Company Name:",null,{"$f":"Main!B23","v":0}]
[]
[]
["In response to Question 3 of the Cover Page questionnaire, the explanation for the company's"]
["significant change in ownership, management or form of organization is explained below."]

{"sheet":"Trans or Assign","index":4,"n_rows":8,"n_cols":6,"rows_kept":8,"cut":false,"hidden":false,"merged":[[41,0,43,2],[41,3,43,4],[41,5,43,7],[35,0,37,2],[35,3,37,4],[35,5,37,7],[38,0,40,2],[38,3,40,4],[38,5,40,7],[29,0,31,2],[29,3,31,4],[29,5,31,7],[32,0,34,2],[32,3,34,4],[32,5,34,7],[23,0,25,2],[23,3,25,4],[23,5,25,7],[26,0,28,2],[26,3,28,4],[26,5,28,7],[17,0,19,2],[17,3,19,4],[17,5,19,7],[20,0,22,2],[20,3,22,4],[20,5,22,7],[11,0,13,2],[11,3,13,4],[11,5,13,7],[14,0,16,2],[14,3,16,4],[14,5,16,7],[8,5,10,7],[8,0,10,2],[8,3,10,4],[1,5,1,7],[7,0,7,2],[7,3,7,4],[7,5,7,7]]}
[]
["Master File #",{"$f":"Main!B20","v":0},null,"Company Name:",null,{"$f":"Main!B23","v":0}]
[]
[]
["In response to Question 6 of the Cover Page questionnaire, the entities to which our company"]
["transfers or assigns property tax lien loans are provided below."]
[]
["Entity Name",null,null,"Address",null,"Contact Information"]

{"sheet":"License","index":5,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"Main!B20","v":0},null,"Company Name:",null,{"$f":"Main!B23","v":0}]
[]
[]
["In response to Question 7 of the Cover Page questionnaire, the explanation for any denial,"]
["suspension, or revocation of a license is provided below."]

{"sheet":"Fin Settle","index":6,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"Main!B20","v":0},null,"Company Name:",null,{"$f":"Main!B23","v":0}]
[]
[]
["In response to Question 8 of the Cover Page questionnaire, the explanation for the company's"]
["financial settlements is provided below."]

{"sheet":"Arb-Lit","index":7,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"Main!B20","v":0},null,"Company Name:",null,{"$f":"Main!B23","v":0}]
[]
[]
["In response to Question 9 of the Cover Page questionnaire, the explanation for any instances of"]
["arbitration or civil litigation."]

{"sheet":"Sched G Supp","index":8,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"Main!B20","v":0},null,"Company Name:",null,{"$f":"Main!B23","v":0}]
[]
[]
["The types of non-credit insurance or other miscellaneous product sold as reported in Schedule G"]
["is shown below."]