reglab/housing_qa huggingface dataset:
TX Fin Code § 345.069 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.069. Deferment of Installment

Sec. 345.069.  DEFERMENT OF INSTALLMENT.  (a)  A holder of a retail installment contract, on request of the retail buyer, may agree to defer the scheduled due date of all or part of one or more installments.(b)  A holder may collect from the retail buyer for deferment of an installment:(1)  a charge that is a part of the time price differential and computed on the amount deferred for the period of deferment at the monthly rate of 15 cents for each $10;  and(2)  the amount of the additional cost to the holder for:(A)  premiums for continuing in force any insurance provided for by the contract;  and(B)  additional necessary official fees.(c)  The minimum charge under Subsection (b)(1) is $1.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.070 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.070. Amendment of Contract

Sec. 345.070.  AMENDMENT OF CONTRACT.  (a)  On request of the retail buyer, the holder of a retail installment contract may:(1)  amend the contract to renew, restate, or reschedule the unpaid balance of the contract;  and(2)  collect an amount computed on the principal balance of the amended contract for the term of the amended contract at the applicable rate under Section 345.055, 345.056, 345.057, or 345.058.(b)  The principal balance of the amended contract is computed by:(1)  adding:(A)  the amount of the unpaid balance on the date of the amendment;(B)  the cost of insurance;(C)  the amount of each additional necessary official fee;  and(D)  the amount of each accrued delinquency charge;  and(2)  subtracting from the total computed under Subdivision (1) an amount equal to the minimum refund credit that would be required under Section 345.075 or 345.076 for prepayment in full on the date of the amendment.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.071 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.071. Confirmation of Amendment

Sec. 345.071.  CONFIRMATION OF AMENDMENT.  An amendment to a retail installment contract must be confirmed in a writing signed by the retail buyer.  The holder shall deliver a copy of the confirmation to the buyer at the time it is executed.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.072 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.072. Contract After Amendment

Sec. 345.072.  CONTRACT AFTER AMENDMENT.  After amendment a retail installment contract is the original contract and each amendment to the original contract.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.073 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.073. Prepayment of Contract

Sec. 345.073.  PREPAYMENT OF CONTRACT.  A retail buyer may prepay the unpaid time balance of a retail installment contract in full at any time before the contract's final due date.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.074 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.074. Refund Credit on Prepayment

Sec. 345.074.  REFUND CREDIT ON PREPAYMENT.  If a retail buyer prepays a retail installment contract in full or if the holder demands payment of the unpaid balance of the contract in full before the contract's final installment is due, the buyer is entitled to receive a refund credit as provided by Section 345.075 or 345.076, as applicable.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.075 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.075. Amount of Refund Credit for Monthly Installment Contract

Sec. 345.075.  AMOUNT OF REFUND CREDIT FOR MONTHLY INSTALLMENT CONTRACT.  (a)  The minimum amount of a refund credit on prepayment of a contract that is payable in substantially equal successive monthly installments beginning one month after the date of the contract is computed by:(1)  subtracting an amount equal to the minimum charge authorized by this chapter for that contract from the original time price differential;  and(2)  multiplying the amount computed under Subdivision (1) by the percentage computed by dividing the sum of all of the monthly balances under the contract's schedule of payments into the sum of the unpaid monthly balances under the contract's schedule of payments beginning on:(A)  the first day, after the date of the prepayment or demand for payment in full, that is the date of a month that corresponds to the date of the month that the first installment is due under the contract;  or(B)  if the prepayment or demand for payment in full is made before the first installment date under the contract, the next monthly anniversary date of the contract occurring after prepayment or demand.(b)  A refund credit is not required if the amount of the refund credit is less than $1.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.076 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.076. Amount of Refund Credit for Other Contracts

Sec. 345.076.  AMOUNT OF REFUND CREDIT FOR OTHER CONTRACTS.  The refund credit on a contract to which Section 345.075 does not apply shall be computed in a manner proportionate to the method set out by that section, having due regard for:(1)  the amount of each installment;  and(2)  the irregularity of the installment periods.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.077 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.077. Reinstatement of Contract

Sec. 345.077.  REINSTATEMENT OF CONTRACT.  After a demand for payment in full under a retail installment contract, the retail buyer and holder may agree to reinstate the contract and may amend the contract under Section 345.070.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.078 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.078. Consolidation of Contracts

Sec. 345.078.  CONSOLIDATION OF CONTRACTS.  (a)  If a retail buyer purchases goods or services in a retail installment transaction from a retail seller from whom the buyer has previously purchased goods or services under one or more retail installment contracts and the amounts under those contracts have not been paid in full, the seller may consolidate the subsequent purchase with one or more of the contracts.(b)  If a purchase is consolidated with a retail installment contract under this section, the retail seller may prepare a written memorandum of the subsequent purchase instead of executing a retail installment contract for the purchase.  Sections 345.051, 345.052, 345.053, 345.065, 345.066, and 345.067 do not apply to the memorandum.  The seller shall deliver a copy of the memorandum to the retail buyer before the date on which the first installment under the consolidated contract is due.(c)  Each subsequent purchase that is consolidated with a retail installment contract is a separate retail installment contract under this chapter.  The provisions of this chapter relating to a retail installment contract apply to the subsequent purchase except as provided by Subsection (b).|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.079 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.079. Allocation of Payments on Consolidation of Contracts

Sec. 345.079.  ALLOCATION OF PAYMENTS ON CONSOLIDATION OF CONTRACTS.  (a)  If a subsequent purchase is consolidated with a contract and the retail seller retains title or takes a security interest, including a lien, in any of the goods purchased under one of the contracts:(1)  the total of all payments made before the subsequent purchase is considered to have been applied to the previous purchases;  and(2)  each payment made on the consolidated contract after the subsequent purchase is considered to be allocated to each purchase in the same ratio as the original cash price of the purchase bears to the total of the original cash prices of all purchases under the contract.(b)  All of a down payment on a subsequent purchase shall be allocated to that purchase.(c)  If the amount of installment payments is increased after a subsequent purchase, the retail seller may elect to allocate:(1)  an amount of the payment equal to the original periodic payment to the previous purchase;  and(2)  the remainder of the payment to the subsequent purchase.(d)  This section does not apply if the previous and subsequent purchases involve:(1)  goods, including equipment or parts, attached or affixed to goods previously purchased and for which full payment has not been made;  or(2)  services rendered by the retail seller at the retail buyer's request in connection with goods described by Subdivision (1).|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.080 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.080. Obligation Under More Than One Contract

Sec. 345.080.  OBLIGATION UNDER MORE THAN ONE CONTRACT.  (a)  A retail seller may not induce a person or a husband and wife to become obligated at substantially the same time under more than one retail installment contract with the same seller for the deliberate purpose of obtaining a greater amount of time price differential than is permitted under this chapter for one retail installment contract.(b)  A contract made by a retail buyer and retail seller after the 30th day after the date of a contract between that buyer and seller is presumed not to violate this section.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.081 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.081. Certificate of Completion or Satisfaction of Contract

Sec. 345.081.  CERTIFICATE OF COMPLETION OR SATISFACTION OF CONTRACT.  (a)  A retail seller who has entered into a retail installment transaction under a retail installment contract to perform services or install goods for the modernization, rehabilitation, repair, alteration, improvement, or construction of improvements on real property shall obtain a certificate of completion or certificate of satisfaction signed by the retail buyer when all of the services have been performed or goods have been installed as required under the contract.  A certificate is required regardless of whether a guaranty or warranty of the services or goods remains in force.(b)  A certificate of completion or certificate of satisfaction must be a separate writing and must have at the top in at least 10-point type that is bold-faced, capitalized, or underlined or otherwise conspicuously set out from the surrounding written material:WARNING TO BUYER--DO NOT SIGN THIS CERTIFICATE UNTIL ALL SERVICES HAVE BEEN SATISFACTORILY PERFORMED AND MATERIALS SUPPLIED OR GOODS RECEIVED AND FOUND SATISFACTORY.(c)  The retail seller shall keep the signed certificate or a copy of the signed certificate until the second anniversary of the date of the certificate's execution.(d)  If performance of the services or installation of the goods required by the retail installment contract is not complete, a retail seller may not knowingly:(1)  induce a retail buyer to sign a certificate;  or(2)  take or accept from the retail buyer an executed certificate.(e)  Execution of a certificate by the retail buyer is not a waiver of any guaranty or warranty made by the retail seller or a manufacturer or supplier.(f)  A retail buyer's failure or refusal to execute a certificate, without good cause, does not affect the validity of the retail installment contract.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.082 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.082. Statement of Payments and Amount Due Under Contract

Sec. 345.082.  STATEMENT OF PAYMENTS AND AMOUNT DUE UNDER CONTRACT.  (a)  On written request of a retail buyer, the holder of a retail installment contract shall give or send to the buyer a written statement of the dates and amounts of installment payments and the total amount unpaid under the contract.(b)  A retail buyer is entitled to one statement without charge during a six-month period.  The charge for each additional requested statement during the period may not exceed $1.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.083 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.083. Receipt for Cash Payment

Sec. 345.083.  RECEIPT FOR CASH PAYMENT.  A holder of a retail installment contract shall give to the retail buyer a written receipt for each cash payment.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.084 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter B. Retail Installment Contract|Section 345.084. Debt Cancellation Agreement

Sec. 345.084.  DEBT CANCELLATION AGREEMENT.  A debt cancellation agreement under Chapter 354 may be offered in connection with a retail installment contract for a covered vehicle to which this chapter applies.  For purposes of this section, "covered vehicle" has the meaning assigned by Section 354.001.|Added by Acts 2017, 85th Leg., R.S., Ch. 183 (S.B. 1052), Sec. 2, eff. September 1, 2017.|
TX Fin Code § 345.101 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.101. Making Retail Charge Agreement

Sec. 345.101.  MAKING RETAIL CHARGE AGREEMENT.  On the request of a retail buyer or prospective buyer, a retail seller or credit card issuer may establish a retail charge agreement.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.102 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.102. Agreement General Requirements

Sec. 345.102.  AGREEMENT GENERAL REQUIREMENTS.  (a)  A retail charge agreement must be in writing and signed by the retail buyer.(b)  An agreement must contain substantially the following notice printed or typed in at least 10-point type that is bold-faced, capitalized, underlined, or otherwise conspicuously set out from the surrounding written material:"NOTICE TO THE BUYER--DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS BLANK SPACES.  YOU ARE ENTITLED TO A COPY OF THE AGREEMENT YOU SIGN.  KEEP THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS."|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.103 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.103. Time Price Differential for Agreement

Sec. 345.103.  TIME PRICE DIFFERENTIAL FOR AGREEMENT.  (a)  Notwithstanding any other law a retail charge agreement may provide for a time price differential for the payment in installments under the agreement.(b)  The time price differential may not be more than the amount computed on the unpaid amount under the retail charge agreement at a rate equal to:(1)  15 cents per $10 per month on the part of the unpaid balance that is equal to or less than the amount computed under Subchapter C, Chapter 341, using the reference amount of $500;  and(2)  10 cents per $10 per month on the part of the unpaid balance that is more than the amount computed for Subdivision (1).(c)  If the amount computed under Subsection (b) for any month for which a balance is due is less than 75 cents, the time price differential for that month may be 75 cents.(d)  If the period between installment payments is not a month, the time price differential shall be computed proportionately.(e)  The time price differential may be computed for all unpaid balances within a $10 range by applying the amount of the time price differential for the median amount within the range to those unpaid balances.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.104 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.104. Use of Optional Ceiling

Sec. 345.104.  USE OF OPTIONAL CEILING.(a)  As an alternative to the maximum rate or amount authorized for a time price differential under Section 345.103, a retail charge agreement may provide for a rate or amount of time price differential that does not exceed  the rate or amount authorized by Chapter 303.(b)  The provisions of Chapter 303 applicable to open-end accounts apply to a retail charge agreement to which this section applies.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.Amended by: Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 2.16, eff. September 1, 2005.|
TX Fin Code § 345.105 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.105. Charges for Collection of Payment of Agreement

Sec. 345.105.  CHARGES FOR COLLECTION OF PAYMENT OF AGREEMENT.  A retail charge agreement may provide for the payment of:(1)  an attorney's reasonable fee if the agreement is referred for collection to an attorney who is not a salaried employee of the holder;  and(2)  court costs and disbursements.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.106 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.106. Processing Fee for Returned Check

Sec. 345.106.  PROCESSING FEE FOR RETURNED CHECK.  A retail charge agreement may provide that the holder of the agreement may:(1)  charge the retail buyer, on return of a dishonored check given in payment under the agreement, a reasonable processing fee that is not more than $15;  and(2)  add the fee to the unpaid balance under the agreement.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.107 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.107. Prohibited Fees

Sec. 345.107.  PROHIBITED FEES.  An annual, membership, or participation fee may not be charged to or collected from a retail buyer in connection with a retail charge agreement.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.108 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.108. Prohibition on Signing of Agreement With Blank Spaces

Sec. 345.108.  PROHIBITION ON SIGNING OF AGREEMENT WITH BLANK SPACES.  A retail buyer may not sign a retail charge agreement that contains blank spaces.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.109 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.109. Delivery of Copy of Agreement

Sec. 345.109.  DELIVERY OF COPY OF AGREEMENT.  (a)  A retail seller or credit card issuer shall deliver or mail a copy of the executed retail charge agreement to the retail buyer before the date on which the first payment under the agreement is due.(b)  If a copy of the retail charge agreement is not retained by the retail seller, a notation in the seller's permanent record showing that the agreement was mailed and the date of mailing is presumptive proof of the mailing.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|
TX Fin Code § 345.110 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 345 - Retail Installment Sales|Subchapter C. Retail Charge Agreement|Section 345.110. Buyer's Acknowledgment of Delivery of Agreement Copy

Sec. 345.110.  BUYER'S ACKNOWLEDGMENT OF DELIVERY OF AGREEMENT COPY.  (a)  Any retail buyer's acknowledgment of delivery of a copy of a retail charge agreement that is contained in the body of the agreement must:(1)  be in at least 10-point type that is bold-faced, capitalized, or underlined or otherwise conspicuously set out from the surrounding written material;  and(2)  appear directly above the buyer's signature.(b)  A retail buyer's acknowledgment, conforming to this section, of delivery of a copy of the agreement is, in an action or proceeding, presumptive proof that:(1)  the copy was delivered to the buyer;  and(2)  the agreement did not contain a blank space when it was signed by the buyer.|Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.|