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Title 7 - Part 5 - OFFICE OF CONSUMER CREDIT COMMISSIONER

Chapter 82 - ADMINISTRATION

82.1 - Custody of Criminal History Record Information
82.2 - Public Information Requests; Charges
82.3 - Request for Criminal History Evaluation Letter
82.4 - Consumer Complaint Process

Chapter 83 - REGULATED LENDERS AND CREDIT ACCESS BUSINESSES

Subchapter A - RULES FOR REGULATED LENDERS

83.101 - Purpose and Scope
83.102 - Definitions
83.201 - Responsibility for Acts of Agents
83.202 - Knowledge of Laws and Regulations Required
83.203 - Attempted Evasion of Applicability of Subchapter
83.204 - Multiple Licenses
83.205 - Loans by Mail or Online
83.301 - Definitions
83.302 - Filing of New Application
83.303 - Transfer of License; New License Application on Transfer of Ownership
83.304 - Change in Form or Proportionate Ownership
83.305 - Amendments to Pending Application
83.306 - Updating Application and Contact Information
83.307 - Processing of Application
83.308 - Relocation
83.309 - License Inactivation or Voluntary Surrender
83.310 - Fees
83.311 - Applications and Notices as Public Records
83.401 - Branch Networks
83.402 - License Display
83.403 - License Term, Renewal, and Expiration
83.404 - Denial, Suspension, or Revocation Based on Criminal History
83.406 - Effect of Revocation, Suspension, or Surrender of License
83.407 - Application Process After Surrender or Revocation
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
83.601 - Authorized Charges
83.602 - Default Charges
83.603 - Deferment Charges
83.604 - Payday Loans; Deferred Presentment Transactions
83.605 - Acquisition Charge
83.606 - Maximum Term and Maximum Installment Account Handling Charge
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
83.751 - Scope
83.752 - Specific Application to Subchapter E and G Loans
83.753 - Refund of Precomputed Interest for Regular Subchapter E Loans
83.754 - Refund of Precomputed Interest for Subchapter G Loans
83.755 - Specific Application to Subchapter F Loans
83.756 - Refund of Precomputed Interest for Subchapter F Loans; Prepayment in Full Before the First Installment Due Date
83.757 - Refund of Precomputed Interest for 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 - Collateral Protection 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
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 - Secondary Mortgage Loan Record Retention Requirement
83.831 - Review 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
83.838 - Loans with Multiple Advances
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

Subchapter B - RULES FOR CREDIT ACCESS BUSINESSES

83.1001 - Purpose and Scope
83.1002 - Definitions
83.2001 - Responsibility for Acts of Agents
83.2002 - Knowledge of Laws and Regulations Required
83.2003 - Attempted Evasion of Applicability of Subchapter
83.3001 - Definitions
83.3002 - Filing of New Application
83.3003 - Transfer of License; New License Application on Transfer of Ownership
83.3004 - Change in Form or Proportionate Ownership
83.3005 - Amendments to Pending Application
83.3006 - Updating Application and Contact Information
83.3007 - Processing of Application
83.3008 - Relocation of Licensed Offices
83.3009 - License Inactivation or Voluntary Surrender
83.3010 - Fees
83.3011 - Applications and Notices as Public Records
83.4001 - License Display
83.4002 - License Term, Renewal, and Expiration
83.4003 - Denial, Suspension, or Revocation Based on Criminal History
83.4005 - Effect of Revocation, Suspension, or Surrender of License
83.4006 - Application Process After Surrender or Revocation
83.5001 - Data Reporting Requirements
83.5002 - Follow-up Examination Fees
83.5003 - Examinations
83.5004 - Files and Records Required
83.5005 - Separation Between Credit Access Business and Third-Party Lender
83.6001 - Purpose
83.6002 - Definitions
83.6003 - Posting of Fee Schedule and Notices
83.6004 - Fee Schedule Content
83.6005 - Relationship with Federal Law
83.6006 - Format
83.6007 - Consumer Disclosures
83.6008 - Permissible Changes

Chapter 84 - MOTOR VEHICLE INSTALLMENT SALES

Subchapter A - GENERAL PROVISIONS

84.101 - Purpose and Scope
84.102 - Definitions
84.103 - Responsibility for Acts of Agents
84.104 - Knowledge of Laws and Regulations Required
84.105 - Indigency Affidavit for Appeal of Conditional Delivery Determination

Subchapter B - RETAIL INSTALLMENT CONTRACT

84.201 - Time Price Differential
84.202 - Default Charge
84.203 - Deferment Charge
84.204 - Disclosure of Equity in Retail Buyer's Trade-in Motor Vehicle
84.205 - Documentary Fee

Subchapter C - INSURANCE AND DEBT CANCELLATION AGREEMENTS

84.301 - Definitions
84.302 - Authorized Credit Insurance and Debt Cancellation Agreements
84.303 - Provision of Policy or Certificate
84.304 - Evidence of Equivalent Insurance
84.305 - Collateral Protection Insurance
84.307 - Prepaid Maintenance Agreements
84.308 - Debt Cancellation Agreements Not Requiring Insurance
84.309 - Debt Cancellation Agreements Requiring Insurance

Subchapter D - ACQUISITION OF CONTRACT OR BALANCE

84.401 - Acquisition of Contract or Balance

Subchapter E - HOLDER'S RIGHTS, DUTIES, AND LIMITATIONS

84.501 - Payoff Statement or Statement of Payments
84.503 - Collection Practices
84.504 - Collection Contacts

Subchapter F - LICENSING

84.601 - Definitions
84.602 - Filing of New Application
84.603 - New Registered Offices
84.604 - Transfer of License; New License Application on Transfer of Ownership
84.605 - Change in Form or Proportionate Ownership
84.606 - Amendments to Pending Application
84.607 - Updating Application and Contact Information
84.608 - Processing of Application
84.609 - Relocation of Licensed Offices
84.610 - License Inactivation or Voluntary Surrender
84.611 - Fees
84.612 - Implementation Provisions of Licensing
84.613 - Denial, Suspension, or Revocation Based on Criminal History
84.615 - Applications and Notices as Public Records
84.616 - License Display
84.617 - License Term, Renewal, and Expiration

Subchapter G - EXAMINATIONS

84.702 - Prohibited Advertising
84.703 - Review of Records
84.704 - Correction of Errors or Violations
84.705 - Unclaimed Funds
84.706 - Follow-up Examination Fees
84.707 - Files and Records Required (Retail Sellers Assigning Retail Installment Sales Contracts)
84.708 - Files and Records Required (Retail Sellers Collecting Installments on Retail Installment Sales Contracts)
84.709 - Files and Records Required (Holders Taking Assignment of Retail Installment Sales Contracts)
84.710 - Annual Report

Subchapter H - RETAIL INSTALLMENT SALES CONTRACT PROVISIONS

84.801 - Purpose
84.802 - Non-Standard Contract Filing Procedures
84.803 - Relationship with Federal Law
84.804 - Disclosures and Contract Provisions Required by Texas Finance Code
84.805 - Other Disclosures Required by Commission Rule
84.806 - Format
84.807 - Contract Provisions
84.808 - Model Clauses
84.809 - Model Contract; Permissible Changes

Chapter 85 - PAWNSHOPS AND CRAFTED PRECIOUS METAL DEALERS

Subchapter A - RULES OF OPERATION FOR PAWNSHOPS

85.101 - Purpose and Scope
85.102 - Definitions
85.103 - Attempted Evasion of Subchapter
85.104 - License Term, Renewal, and Expiration
85.201 - Engaging in Business
85.202 - Filing of New Application
85.203 - Relocation
85.204 - Temporary and Permanent Operation of Facility
85.205 - Transfer of License; New License Application on Transfer of Ownership
85.206 - Processing of Application
85.207 - Bond
85.208 - Change in Form or Proportionate Ownership
85.209 - Updating Application and Contact Information
85.210 - License Inactivation or Voluntary Surrender
85.211 - Fees
85.212 - Application and Notices as Public Records
85.301 - Filing of New Application
85.302 - Notification of Termination
85.303 - Notification of Hiring
85.304 - Processing of Application
85.305 - Updating Application and Contact Information
85.306 - Fees
85.307 - Applications and Notices as Public Records
85.308 - Availability of Pawnshop Employee License Information
85.309 - Military Licensing
85.401 - Hours and Days of Operation
85.402 - Recordkeeping
85.403 - Insurance
85.404 - Security of Pledged Goods
85.405 - Pawn Transaction
85.406 - Law Enforcement Reporting
85.407 - Memorandum of Extension
85.408 - Presentation of Pawn Ticket
85.410 - Lost or Destroyed Pawn Ticket
85.411 - Modification of Pledged Goods
85.412 - Redemption by Mail
85.413 - Lost or Damaged Goods
85.414 - Forfeiture of Pledged Goods
85.415 - Proper Identification Tags Required
85.416 - Advertisements
85.417 - False, Misleading, or Deceptive Advertising
85.418 - Acceptance of Goods
85.419 - Hold Orders
85.420 - Purchase Transactions
85.421 - Consumer Information
85.422 - Unclaimed Funds
85.423 - OCCC Notice
85.501 - Examination Accommodations
85.502 - Annual Report
85.503 - Follow-Up Examination Fees
85.601 - Denial, Suspension, or Revocation Based on Criminal History
85.603 - Reinstatement of an Expired Pawnshop License
85.604 - Enforcement Action Against Pawnshop License or Pawnshop Employee License
85.605 - Redemption of Goods after License Revocation or Suspension
85.606 - Surrender of License
85.607 - Hearings
85.608 - Certificate of Standing; Copies
85.701 - Failure to Timely File a Pawnshop Employee Application
85.702 - Accepting Prohibited Merchandise
85.703 - Savings Clause

Subchapter B - RULES FOR CRAFTED PRECIOUS METAL DEALERS

85.1001 - Definitions
85.1002 - Filing of New Application
85.1003 - Processing of Application
85.1004 - Relocation of Registered Location
85.1005 - Contact Information and Notice
85.1006 - Registration Display
85.1007 - Registration Term, Renewal, and Expiration
85.1008 - Temporary Location Amendments
85.1009 - Revocation
85.1010 - New Registration After Revocation
85.1011 - Fees
85.2001 - Transaction Report Form and Records
85.2002 - Submission of Transaction Report Form and Records

Chapter 86 - RETAIL CREDITORS

Subchapter A - REGISTRATION OF RETAIL CREDITORS

86.101 - Consumer Notifications
86.102 - Fees
86.103 - Registration Term, Renewal, and Expiration

Subchapter B - RETAIL INSTALLMENT CONTRACT

86.201 - Documentary Fee
86.202 - Debt Cancellation Agreements

Chapter 87 - TAX REFUND ANTICIPATION LOANS

Subchapter A - REGISTRATION PROCEDURES

87.102 - Filing of New Application
87.103 - Completion of Application and Effective Period of Registration
87.104 - Relocation of Registered Location
87.105 - Fees
87.106 - Applications and Notices as Public Records
87.107 - Registration Term, Renewal, and Expiration

Subchapter B - DISCLOSURES

87.201 - OCCC Notice

Chapter 88 - CONSUMER DEBT MANAGEMENT SERVICES

Subchapter A - REGISTRATION PROCEDURES

88.101 - Definitions
88.102 - Filing of New Application
88.103 - Processing of Application
88.104 - Updating Application and Contact Information
88.105 - Relocation of Registered Provider Location
88.107 - Fees
88.108 - Applications and Notices as Public Records
88.109 - Applicability
88.110 - Denial, Suspension, or Revocation Based on Criminal History

Subchapter B - ANNUAL REQUIREMENTS

88.201 - Registration Term, Renewal, and Expiration
88.202 - Annual Report

Subchapter C - OPERATIONAL REQUIREMENTS

88.302 - Recordkeeping
88.304 - Credit Counseling Standards
88.305 - Prohibited Acts and Practices
88.306 - Fees for Debt Management Services
88.307 - Consumer Education

Chapter 89 - PROPERTY TAX LENDERS

Subchapter A - GENERAL PROVISIONS

89.101 - Purpose, Scope, and Applicability
89.102 - Definitions

Subchapter B - AUTHORIZED ACTIVITIES

89.201 - Responsibility for Acts of Agents
89.202 - Knowledge of Laws and Regulations Required
89.203 - Attempted Evasion of Applicability of Chapter
89.204 - Multiple Licenses
89.205 - Loans by Mail or Internet
89.206 - Application for Exemption
89.207 - Files and Records Required
89.208 - Advertising

Subchapter C - APPLICATION PROCEDURES

89.301 - Definitions
89.302 - Filing of New Application
89.303 - Transfer of License; New License Application on Transfer of Ownership
89.304 - Change in Form or Proportionate Ownership
89.305 - Amendments to Pending Application
89.306 - Updating Application and Contact Information
89.307 - Processing of Application
89.308 - Relocation of Licensed Offices
89.309 - License Inactivation or Voluntary Surrender
89.310 - Fees
89.311 - Applications and Notices as Public Records
89.312 - Property Tax Employee License Under Nationwide Mortgage Licensing System and Registry

Subchapter D - LICENSE

89.401 - Branch Networks
89.402 - License Display
89.403 - License Term, Renewal, and Expiration
89.404 - Annual Report
89.405 - Denial, Suspension, or Revocation Based on Criminal History
89.407 - Effect of Revocation, Suspension, or Surrender of License
89.408 - Application Process After Surrender or Revocation

Subchapter E - DISCLOSURES

89.501 - Purpose
89.502 - Definitions
89.503 - Format
89.504 - Requirements for Disclosure Statement to Property Owner
89.505 - Requirements for Notice of Delinquency to Transferee
89.506 - Disclosures
89.507 - Permissible Changes

Subchapter F - COSTS AND FEES

89.601 - Fees for Closing Costs
89.602 - Fee for Filing Release
89.603 - Fee for Payoff Statement or for Information on Current Balance Owed

Subchapter G - TRANSFER OF TAX LIEN

89.701 - Sworn Document Authorizing Transfer of Tax Lien
89.702 - Certified Statement of Transfer of Tax Lien

Subchapter H - PAYOFF STATEMENTS

89.801 - Requests for Payoff Statements
89.802 - Payoff Statements
89.803 - Model Forms
89.804 - Permissible Changes
89.805 - Payoff for Property Tax Loan Secured by Multiple Properties

Chapter 90 - CHAPTER 342, PLAIN LANGUAGE CONTRACT PROVISIONS

Subchapter A - GENERAL PROVISIONS

90.101 - Definitions
90.102 - Relationship with Federal Law
90.103 - Format
90.104 - Non-Standard Contract Filing Procedures
90.105 - OCCC Notice

Subchapter B - SECURED CONSUMER INSTALLMENT LOANS (SUBCHAPTER E)

90.201 - Purpose
90.202 - Contract Provisions
90.203 - Model Clauses
90.204 - Model Contracts; Permissible Changes

Subchapter C - SIGNATURE LOANS (SUBCHAPTER F)

90.301 - Purpose
90.302 - Contract Provisions
90.303 - Model Clauses
90.304 - Model Contracts; Permissible Changes

Subchapter D - SECOND LIEN HOME EQUITY LOANS (SUBCHAPTER G)

90.401 - Purpose
90.402 - Contract Provisions
90.403 - Model Clauses
90.404 - Model Contracts; Permissible Changes

Subchapter E - SECOND LIEN PURCHASE MONEY LOANS (SUBCHAPTER G)

90.501 - Purpose
90.502 - Contract Provisions
90.503 - Model Clauses
90.504 - Model Contracts; Permissible Changes

Subchapter F - SECOND LIEN HOME IMPROVEMENT CONTRACTS (SUBCHAPTER G)

90.601 - Purpose
90.602 - Contract Provisions
90.603 - Model Clauses
90.604 - Model Contracts; Permissible Changes

Subchapter G - SPANISH DISCLOSURES

90.701 - Applicability
90.702 - Negotiation in Spanish
90.703 - Form of Disclosure
90.704 - Items Excluded From Translation Requirement
90.705 - Multiple-Party Transactions
90.706 - Legal Document