Sec. 14.113.Texas Finance Code. TEXAS FINANCIAL EDUCATION ENDOWMENT. (a) (a) As part of the licensing fee and procedures described under Subchapter G, Chapter 393, each credit access business or holder of a credit access business license shall pay to the commissioner an annual assessment to improve consumer credit, financial education, and asset-building opportunities in this state.
Rate Bracket Adjustments
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This department assists consumers who have experienced misrepresentation, fraud, and deceptive practices on the part of the businesses we regulate. Those businesses consist of Texas non-depository lenders: finance companies, pawnshops, home equity lenders, junior lien mortgage lenders, payday lenders, signature loan companies, and retailers who provide financing for their goods (including motor vehicle and manufactured home dealers).
Below you will find a variety of publications and policy issues that cover material related to the various industries under the Department’s purview as well as material related to the agency and its operations.
This page includes recent and upcoming rules, as well as notices of upcoming stakeholder meetings on rules.
A debt cancellation agreement (DCA) is an agreement that the holder of a retail installment contract will cancel a specified amount owed on the contract if the vehicle is stolen or totaled. Some DCAs require that the retail buyer maintain insurance on the vehicle.
The retail installment contracts in the list below have been accepted as plain language contracts under the provisions of the Texas Finance Code, §341.502. These contracts satisfy the requirements for the Flesch-Kincaid Grade Level score, type size, and typeface as specified under §341.502(a) of the Texas Finance Code and 7 Texas Administrative Code, §84.806. These contracts may be used in connection with Chapter 348 retail installment transactions.
