reglab/housing_qa huggingface dataset:
TX Bus & Com Code § 20.09 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter D. Enforcement|Section 20.09. Civil Liability

Sec. 20.09.  CIVIL LIABILITY.  (a)  A consumer reporting agency that wilfully violates this chapter is liable to the consumer against whom the violation occurs for the greater of three times the amount of actual damages to the consumer or $1,000, reasonable attorney fees, and court or arbitration costs.(b)  A consumer reporting agency that negligently violates this chapter is liable to the consumer against whom the violation occurs for the greater of the amount of actual damages to the consumer or $500, reasonable attorney fees, and court or arbitration costs.  A consumer reporting agency is not considered to have negligently violated this chapter if, not later than the 30th day after the date on which the agency receives notice of a dispute from the consumer under Section 20.06 that clearly explains the nature and substance of the dispute, the agency completes the reinvestigation and sends the consumer and, at the request of the consumer, each person who received the consumer information written notification of the results of the reinvestigation in accordance with Section 20.06(f).(c)  In addition to liability imposed under Subsection (a), a consumer reporting agency that does not correct a consumer's file and consumer report before the 10th day after the date on which a judgment is entered against the agency because of inaccurate information contained in a consumer's file is also liable for $1,000 a day until the inaccuracy is corrected.|Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 5, eff. January 1, 2014.|
TX Bus & Com Code § 20.10 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter D. Enforcement|Section 20.10. Remedies Cumulative

Sec. 20.10.  REMEDIES CUMULATIVE.  An action taken under this chapter does not prohibit a consumer from taking any other action authorized by law except that a credit reporting agency may not be subject to suit with respect to any issue that was the subject of an arbitration proceeding brought under Section 20.08.|Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 5, eff. January 1, 2014.|
TX Bus & Com Code § 20.11 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter D. Enforcement|Section 20.11. Injunctive Relief; Civil Penalty

Sec. 20.11.  INJUNCTIVE RELIEF;  CIVIL PENALTY.  (a)  The attorney general may file a suit against a person for:(1)  injunctive relief to prevent or restrain a violation of this chapter;  or(2)  a civil penalty in an amount not to exceed $2,000 for each violation of this chapter.(b)  If the attorney general brings an action against a person under Subsection (a) and an injunction is granted against the person or the person is found liable for a civil penalty, the attorney general may recover reasonable expenses, court costs, investigative costs, and attorney's fees.(c)  Each day a violation continues or occurs is a separate violation for purposes of imposing a penalty under this section.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 5, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 5, eff. January 1, 2014.|
TX Bus & Com Code § 20.12 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter D. Enforcement|Section 20.12. Deceptive Trade Practice

Sec. 20.12.  DECEPTIVE TRADE PRACTICE.  A violation of this chapter is a false, misleading, or deceptive act or practice under Subchapter E, Chapter 17.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 5, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 5, eff. January 1, 2014.|
TX Bus & Com Code § 20.13 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter D. Enforcement|Section 20.13. Venue

Sec. 20.13.  VENUE.  An action brought under this chapter shall be filed in a district court:(1)  in Travis County;(2)  in any county in which the violation occurred;  or(3)  in the county in which the victim resides, regardless of whether the alleged violator has resided, worked, or done business in the county in which the victim resides.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 5, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 5, eff. January 1, 2014.|
TX Bus & Com Code § 20.21 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.21. Definitions

Sec. 20.21.  DEFINITIONS.  In this subchapter:(1)  "Protected consumer" means an individual who resides in this state and is younger than 16 years of age at the time a request for the placement of a security freeze is made.(2)  "Record," with respect to a protected consumer, means a compilation of information identifying a protected consumer created by a consumer reporting agency solely to comply with this subchapter.(3)  "Representative" means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.(4)  "Security freeze," with respect to a protected consumer, means:(A)  if a consumer reporting agency does not have a consumer file pertaining to the protected consumer, a restriction that:(i)  is placed on the protected consumer's record in accordance with this subchapter; and(ii)  prohibits a consumer reporting agency from releasing a consumer report relating to the extension of credit involving the consumer's record without the express authorization of the consumer's representative or the consumer, as applicable; or(B)  if a consumer reporting agency has a consumer file pertaining to the protected consumer, a restriction that:(i)  is placed on the protected consumer's consumer report in accordance with this subchapter; and(ii)  except as otherwise provided by this subchapter, prohibits a consumer reporting agency from releasing the protected consumer's consumer report relating to the extension of credit involving that consumer file, or any information derived from the protected consumer's consumer report.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.22 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.22. Applicability; Conflict of Law

Sec. 20.22.  APPLICABILITY; CONFLICT OF LAW.  (a)  This subchapter does not apply to the use of a protected consumer's consumer report or record by:(1)  a person administering a credit file monitoring subscription service to which:(A)  the protected consumer has subscribed; or(B)  the representative of the protected consumer has subscribed on behalf of the protected consumer;(2)  a person providing the protected consumer or the protected consumer's representative with a copy of the protected consumer's consumer report on request of the protected consumer or the protected consumer's representative;(3)  a consumer reporting agency with respect to a database or file that consists entirely of information concerning, and is used solely for, one or more of the following:(A)  criminal history record information;(B)  personal loss history information;(C)  fraud prevention or detection;(D)  tenant screening; or(E)  employment screening; or(4)  an entity described by Section 20.038(11), (12), or (13).(b)  To the extent of a conflict between a provision of this subchapter relating to a protected consumer and another provision of this chapter, this subchapter controls.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.23 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.23. Proof of Authority and Identification

Sec. 20.23.  PROOF OF AUTHORITY AND IDENTIFICATION.  (a)  Documentation that shows a person has authority to act on behalf of a protected consumer is considered sufficient proof of authority for purposes of this subchapter, including:(1)  an order issued by a court; or(2)  a written, notarized statement signed by a representative that expressly describes the authority of the representative to act on behalf of a protected consumer.(b)  Information or documentation that identifies a protected consumer or a representative of a protected consumer is considered sufficient proof of identity for purposes of this subchapter, including:(1)  a social security number or a copy of the social security card issued by the United States Social Security Administration;(2)  a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate;(3)  a copy of a driver's license or identification card issued by the Department of Public Safety; or(4)  any other government-issued identification.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.24 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.24. Use of Record to Consider Creditworthiness or for Other Purposes Prohibited

Sec. 20.24.  USE OF RECORD TO CONSIDER CREDITWORTHINESS OR FOR OTHER PURPOSES PROHIBITED.  A protected consumer's record may not be created or used to consider the protected consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living for any purpose described by Section 20.01(4).|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.25 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.25. Request to Place a Security Freeze; Creation of Record

Sec. 20.25.  REQUEST TO PLACE A SECURITY FREEZE; CREATION OF RECORD.  (a)  Except as provided by Subsection (b), a consumer reporting agency shall place a security freeze on a protected consumer's consumer file if:(1)  the consumer reporting agency receives a request from the protected consumer's representative for the placement of the security freeze as provided by this section; and(2)  the protected consumer's representative:(A)  submits the request to the consumer reporting agency at the address or other point of contact of and in the manner specified by the consumer reporting agency;(B)  provides to the consumer reporting agency sufficient proof of identification of the protected consumer and the representative;(C)  provides to the consumer reporting agency sufficient proof of authority to act on behalf of the protected consumer; and(D)  pays to the consumer reporting agency a fee as provided by Section 20.29.(b)  If a consumer reporting agency does not have a consumer file pertaining to a protected consumer when the consumer reporting agency receives a request under Subsection (a) and if the requirements of Subsection (a) are met, the consumer reporting agency shall create a record for the protected consumer and place a security freeze on the protected consumer's record.(c)  The consumer reporting agency shall place the security freeze on the protected consumer's consumer file or record, as applicable, not later than the 30th day after receiving a request that meets the requirements of Subsection (a).|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.26 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.26. Release of Consumer Report Prohibited

Sec. 20.26.  RELEASE OF CONSUMER REPORT PROHIBITED.  Unless a security freeze on a protected consumer's consumer file or record is removed under Section 20.28 or 20.30, a consumer reporting agency may not release any consumer report relating to the protected consumer, any information derived from the protected consumer's consumer report, or any record created for the protected consumer.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.27 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.27. Period of Security Freeze

Sec. 20.27.  PERIOD OF SECURITY FREEZE.  A security freeze on a protected consumer's consumer file or record remains in effect until:(1)  the protected consumer or the protected consumer's representative requests that the consumer reporting agency remove the security freeze in accordance with Section 20.28; or(2)  a consumer reporting agency removes the security freeze under Section 20.30.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.28 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.28. Removal of Security Freeze

Sec. 20.28.  REMOVAL OF SECURITY FREEZE.  (a)  A protected consumer or a protected consumer's representative may remove a security freeze on a protected consumer's consumer file or record if the protected consumer or representative:(1)  submits a request for the removal of the security freeze to the consumer reporting agency at the address or other point of contact of and in the manner specified by the consumer reporting agency;(2)  provides to the consumer reporting agency:(A)  in the case of a request by the protected consumer:(i)  sufficient proof of identification of the protected consumer; and(ii)  proof that the sufficient proof of authority for the protected consumer's representative to act on behalf of the protected consumer is no longer valid; or(B)  in the case of a request by the representative of a protected consumer:(i)  sufficient proof of identification of the protected consumer and the representative; and(ii)  sufficient proof of authority to act on behalf of the protected consumer; and(3)  pays to the consumer reporting agency a fee as provided by Section 20.29.(b)  The consumer reporting agency shall remove the security freeze on the protected consumer's consumer file or record not later than the 30th day after the date the agency receives a request that meets the requirements of Subsection (a).|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.29 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.29. Fees

Sec. 20.29.  FEES.  (a)  A consumer reporting agency may not charge a fee for any service performed under this subchapter other than a fee authorized by this section.(b)  Except as provided by Subsection (c), a consumer reporting agency may charge a reasonable fee in an amount not to exceed $10 for each placement or removal of a security freeze on the protected consumer's consumer file or record.(c)  A consumer reporting agency may not charge a fee for the placement of a security freeze under this subchapter if:(1)  the protected consumer's representative submits to the consumer reporting agency a copy of a valid police report, investigative report, or complaint involving the commission of an offense under Section 32.51, Penal Code; or(2)  at the time the protected consumer's representative makes the request for a security freeze:(A)  the protected consumer is under the age of 16; and(B)  the consumer reporting agency has created a consumer report pertaining to the protected consumer.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.30 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.30. Effect of Material Misrepresentation of Fact

Sec. 20.30.  EFFECT OF MATERIAL MISREPRESENTATION OF FACT.  A consumer reporting agency may remove a security freeze on a protected consumer's consumer file or record, or delete a record of a protected consumer, if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protected consumer's representative.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 20.31 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter E. Security Freeze for Child|Section 20.31. Remedy for Violation

Sec. 20.31.  REMEDY FOR VIOLATION.  Notwithstanding Subchapter D or any other law, the exclusive remedy for a violation of this subchapter is a suit filed by the attorney general under Section 20.11.|Added by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 1, eff. January 1, 2014.|
TX Bus & Com Code § 21.001 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 21 - Regulation of Certain Residential Foreclosure Consulting Services|Subchapter A. General Provisions|Section 21.001. Definitions

Sec. 21.001.  DEFINITIONS.  (a)  In this chapter:(1)  "Foreclosure consultant" means a person who makes a solicitation, representation, or offer to a homeowner to perform for compensation, or who for compensation performs, a service that the person represents will do any of the following:(A)  prevent or postpone a foreclosure sale;(B)  obtain a forbearance from:(i)  a mortgagee;(ii)  a beneficiary of a deed of trust; or(iii)  another person who holds a lien secured by the residence in foreclosure;(C)  assist the homeowner:(i)  to cure the default giving rise to the foreclosure action; or(ii)  to exercise the right of reinstatement of the homeowner's obligation secured by the residence in foreclosure;(D)  obtain an extension of the period within which the homeowner may reinstate the homeowner's obligation secured by the residence in foreclosure;(E)  obtain a waiver of an acceleration clause contained in a promissory note or contract secured by a deed of trust or mortgage on a residence in foreclosure or contained in the deed of trust or mortgage;(F)  assist the homeowner to obtain a loan or advance of funds to prevent foreclosure;(G)  avoid or ameliorate the impairment of the homeowner's credit resulting from the recording of a notice of default or the conduct of a foreclosure sale;(H)  save the homeowner's residence from foreclosure; or(I)  assist the homeowner in obtaining excess proceeds from a foreclosure sale of the homeowner's residence.(2)  "Homeowner" means a person that holds record title to a residence in foreclosure at the time the foreclosure action has been commenced.(3)  "Mortgage servicer" has the meaning assigned by Section 51.0001, Property Code.(4)  "Residence in foreclosure" means residential real property consisting of not more than four single-family dwelling units, at least one of which is occupied as the property owner's principal place of residence, and against which a foreclosure action has been commenced.(b)  For purposes of Subsections (a)(2) and (4), a foreclosure action has been commenced if:(1)  notice of sale has been filed under Section 51.002(b), Property Code; or(2)  a judicial foreclosure action has been commenced.|Added by Acts 2011, 82nd Leg., R.S., Ch. 902 (S.B. 767), Sec. 1, eff. September 1, 2011.|
TX Bus & Com Code § 21.003 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 21 - Regulation of Certain Residential Foreclosure Consulting Services|Subchapter A. General Provisions|Section 21.003. Conflict With Other Law

Sec. 21.003.  CONFLICT WITH OTHER LAW.  To the extent of a conflict between this chapter and Chapter 393, Finance Code, this chapter controls.|Added by Acts 2011, 82nd Leg., R.S., Ch. 902 (S.B. 767), Sec. 1, eff. September 1, 2011.|
TX Bus & Com Code § 21.051 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 21 - Regulation of Certain Residential Foreclosure Consulting Services|Subchapter B. Contract for Services|Section 21.051. Form and Terms of Contract

Sec. 21.051.  FORM AND TERMS OF CONTRACT.  Each contract for the purchase of the services of a foreclosure consultant by a homeowner of a residence in foreclosure must be in writing, dated, and signed by each homeowner and the foreclosure consultant.|Added by Acts 2011, 82nd Leg., R.S., Ch. 902 (S.B. 767), Sec. 1, eff. September 1, 2011.|
TX Bus & Com Code § 21.052 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 21 - Regulation of Certain Residential Foreclosure Consulting Services|Subchapter B. Contract for Services|Section 21.052. Required Disclosure

Sec. 21.052.  REQUIRED DISCLOSURE.  Before entering into a contract with a homeowner of a residence in foreclosure for the purchase of the services of a foreclosure consultant, the foreclosure consultant shall provide the homeowner written notice stating the following, in at least 14-point boldfaced type:NOTICE REQUIRED BY TEXAS LAW_______ (Name) or an associate of _________ (Name) cannot ask you to sign or have you sign any document that transfers any interest in your home or property to __________ (Name) or ___________ (Name's) associate._______ (Name) or ________ (Name's) associate cannot guarantee you that they will be able to refinance your home or arrange for you to keep your home.You may, at any time, cancel or rescind this contract, without penalty of any kind.If you want to cancel this contract, mail or deliver a signed and dated copy of this notice of cancellation or rescission, or any other written notice, indicating your intent to cancel or rescind to _________________ (Name and address of foreclosure consultant) at ________________________ (Address of foreclosure consultant, including facsimile and electronic mail address).As part of any cancellation or rescission, you (the homeowner) must repay any money spent on your behalf by _____________________ (Name of foreclosure consultant) prior to receipt of this notice and as a result of this agreement, within 60 days, along with interest calculated at the rate of eight percent per year.|Added by Acts 2011, 82nd Leg., R.S., Ch. 902 (S.B. 767), Sec. 1, eff. September 1, 2011.|