reglab/housing_qa huggingface dataset:
TX Fin Code § 281.002 (2021)
2021 Texas Statutes|Finance Code|Title 3 - Financial Institutions and Businesses|Subtitle Z - Miscellaneous Provisions Relating to Financial Institutions and Businesses|Chapter 281 - Protection of Vulnerable Adults From Financial Exploitation|Section 281.002. Reporting Suspected Financial Exploitation of Vulnerable Adults

Sec. 281.002.  REPORTING SUSPECTED FINANCIAL EXPLOITATION OF VULNERABLE ADULTS.  (a)  If an employee of a financial institution has cause to believe that financial exploitation of a vulnerable adult who is an account holder with the financial institution has occurred, is occurring, or has been attempted, the employee shall notify the financial institution of the suspected financial exploitation.(b)  If a financial institution is notified of suspected financial exploitation under Subsection (a) or otherwise has cause to believe that financial exploitation of a vulnerable adult who is an account holder with the financial institution has occurred, is occurring, or has been attempted, the financial institution shall assess the suspected financial exploitation and submit a report to the department in the same manner as and containing the same information required to be included in a report under Section 48.051, Human Resources Code.  The financial institution shall submit the report required by this subsection not later than the earlier of:(1)  the date the financial institution completes the financial institution's assessment of the suspected financial exploitation; or(2)  the fifth business day after the date the financial institution is notified of the suspected financial exploitation under Subsection (a) or otherwise has cause to believe that the suspected financial exploitation has occurred, is occurring, or has been attempted.(c)  A financial institution that submits a report to the department of suspected financial exploitation of a vulnerable adult under Subsection (b) is not required to make an additional report of suspected abuse, neglect, or exploitation under Section 48.051, Human Resources Code, for the same conduct constituting the reported suspected financial exploitation.(d)  Each financial institution shall adopt internal policies, programs, plans, or procedures for:(1)  the employees of the financial institution to make the notification required under Subsection (a); and(2)  the financial institution to conduct the assessment and submit the report required under Subsection (b).(e)  The policies, programs, plans, or procedures adopted under Subsection (d) may authorize the financial institution to report the suspected financial exploitation to other appropriate agencies and entities in addition to the department, including the attorney general, the Federal Trade Commission, and the appropriate law enforcement agency.|Added by Acts 2017, 85th Leg., R.S., Ch. 376 (H.B. 3921), Sec. 1, eff. September 1, 2017.Redesignated from Finance Code, Chapter 280 by Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.001(19), eff. September 1, 2019.|
TX Fin Code § 281.003 (2021)
2021 Texas Statutes|Finance Code|Title 3 - Financial Institutions and Businesses|Subtitle Z - Miscellaneous Provisions Relating to Financial Institutions and Businesses|Chapter 281 - Protection of Vulnerable Adults From Financial Exploitation|Section 281.003. Notifying Third Parties of Suspected Financial Exploitation of Vulnerable Adults

Sec. 281.003.  NOTIFYING THIRD PARTIES OF SUSPECTED FINANCIAL EXPLOITATION OF VULNERABLE ADULTS.  If a financial institution submits a report of suspected financial exploitation of a vulnerable adult to the department under Section 281.002(b), the financial institution may at the time the financial institution submits the report also notify a third party reasonably associated with the vulnerable adult of the suspected financial exploitation, unless the financial institution suspects the third party of financial exploitation of the vulnerable adult. |Added by Acts 2017, 85th Leg., R.S., Ch. 376 (H.B. 3921), Sec. 1, eff. September 1, 2017.Amended by: Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.002(6), eff. September 1, 2019.Redesignated from Finance Code, Chapter 280 by Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.001(19), eff. September 1, 2019.|
TX Fin Code § 281.004 (2021)
2021 Texas Statutes|Finance Code|Title 3 - Financial Institutions and Businesses|Subtitle Z - Miscellaneous Provisions Relating to Financial Institutions and Businesses|Chapter 281 - Protection of Vulnerable Adults From Financial Exploitation|Section 281.004. Temporary Hold on Transactions in Certain Cases of Suspected Financial Exploitation of Vulnerable Adults

Sec. 281.004.  TEMPORARY HOLD ON TRANSACTIONS IN CERTAIN CASES OF SUSPECTED FINANCIAL EXPLOITATION OF VULNERABLE ADULTS.  (a)  Notwithstanding any other law, a financial institution:(1)  may place a hold on any transaction that involves an account of a vulnerable adult if the financial institution:(A)  submits a report of suspected financial exploitation of the vulnerable adult to the department under Section 281.002(b); and(B)  has cause to believe the transaction is related to the suspected financial exploitation alleged in the report; and(2)  must place a hold on any transaction involving an account of a vulnerable adult if the hold is requested by the department or a law enforcement agency.(b)  Subject to Subsection (c), a hold placed on any transaction under Subsection (a) expires on the 10th business day after the date the hold is placed.(c)  The financial institution may extend a hold placed on any transaction under Subsection (a) for a period not to exceed 30 business days after the expiration of the period prescribed by Subsection (b) if requested by a state or federal agency or a law enforcement agency investigating the suspected financial exploitation.  The financial institution may also petition a court to extend a hold placed on any transaction under Subsection (a) beyond the period prescribed by Subsection (b).   A court may enter an order extending or shortening a hold or providing other relief.(d)  Each financial institution shall adopt internal policies, programs, plans, or procedures for placing a hold on a transaction involving an account of a vulnerable adult under this section.|Added by Acts 2017, 85th Leg., R.S., Ch. 376 (H.B. 3921), Sec. 1, eff. September 1, 2017.Redesignated from Finance Code, Chapter 280 by Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.001(19), eff. September 1, 2019.Amended by: Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.002(7), eff. September 1, 2019.Acts 2021, 87th Leg., R.S., Ch. 502 (H.B. 4477), Sec. 2, eff. September 1, 2021.|
TX Fin Code § 281.005 (2021)
2021 Texas Statutes|Finance Code|Title 3 - Financial Institutions and Businesses|Subtitle Z - Miscellaneous Provisions Relating to Financial Institutions and Businesses|Chapter 281 - Protection of Vulnerable Adults From Financial Exploitation|Section 281.005. Immunity

Sec. 281.005.  IMMUNITY.  (a)  An employee of a financial institution who makes a notification under Section 281.002(a), a financial institution that submits a report under Section 281.002(b) or makes a notification to a third party under Section 281.003, or an employee who or financial institution that testifies or otherwise participates in a judicial proceeding arising from a notification or report is immune from any civil or criminal liability arising from the notification, report, testimony, or participation in the judicial proceeding, unless the employee or financial institution acted in bad faith or with a malicious purpose.(b)  A financial institution that in good faith and with the exercise of reasonable care places or does not place a hold on any transaction under Section 281.004(a)(1) is immune from any civil or criminal liability or disciplinary action resulting from that action or failure to act.|Added by Acts 2017, 85th Leg., R.S., Ch. 376 (H.B. 3921), Sec. 1, eff. September 1, 2017.Redesignated from Finance Code, Chapter 280 by Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.001(19), eff. September 1, 2019.Amended by: Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.002(8), eff. September 1, 2019.|
TX Fin Code § 281.006 (2021)
2021 Texas Statutes|Finance Code|Title 3 - Financial Institutions and Businesses|Subtitle Z - Miscellaneous Provisions Relating to Financial Institutions and Businesses|Chapter 281 - Protection of Vulnerable Adults From Financial Exploitation|Section 281.006. Records

Sec. 281.006.  RECORDS.  To the extent permitted by state or federal law, a financial institution shall provide, on request, access to or copies of records relevant to the suspected financial exploitation of a vulnerable adult to the department, a law enforcement agency, or a prosecuting attorney's office, either as part of a report to the department, law enforcement agency, or prosecuting attorney's office or at the request of the department, law enforcement agency, or prosecuting attorney's office in accordance with an investigation. |Added by Acts 2017, 85th Leg., R.S., Ch. 376 (H.B. 3921), Sec. 1, eff. September 1, 2017.Redesignated from Finance Code, Chapter 280 by Acts 2019, 86th Leg., R.S., Ch. 467 (H.B. 4170), Sec. 21.001(19), eff. September 1, 2019.|
TX Fin Code § 301.001 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 301 - General Provisions|Section 301.001. Short Title

Sec. 301.001.  SHORT TITLE.  This title may be cited as the Texas Credit Title.|Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999.|
TX Fin Code § 308.001 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 308 - Consumer Credit Protections|Section 308.001. Applicability

Sec. 308.001.  APPLICABILITY.  This chapter applies to a person regularly engaged in the business of extending credit under this subtitle primarily for personal, family, or household use and not for a business, commercial, investment, or agricultural purpose.  This chapter does not apply to a transaction primarily for a business, commercial, investment, or agricultural purpose.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.01, eff. September 1, 2005.|
TX Fin Code § 308.002 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 308 - Consumer Credit Protections|Section 308.002. False, Misleading, or Deceptive Advertising

Sec. 308.002.  FALSE, MISLEADING, OR DECEPTIVE ADVERTISING.  (a)  A creditor may not, in any manner, advertise or cause to be advertised a false, misleading, or deceptive statement or representation relating to a rate, term, or condition of a credit transaction or advertise credit terms that the person does not intend to offer to consumers who qualify for those terms.(b)  This section does not create a private right of action.(c)  In interpreting this section, an administrative agency or a court shall be guided by the applicable advertising provisions of:(1)  Part C of 15 U.S.C. Chapter 41, Subchapter I (15 U.S.C. Section 1601 et seq.);(2)  12 C.F.R. Part 226 adopted by the Board of Governors of the Federal Reserve System; and(3)  the Official Staff Commentary and other interpretations of that statute and regulation by the Board of Governors of the Federal Reserve System and its staff.(d)  If a requirement of this section and a requirement of a federal law, including a regulation or an interpretation of federal law, are inconsistent or in conflict, federal law controls and the inconsistent or conflicting requirements of this chapter do not apply.(e)  A creditor who complies with the Truth in Lending Act (15 U.S.C. Section 1601 et seq.) and Federal Reserve Regulation Z (12 C.F.R. Part 226) in advertising a credit transaction is considered to have fully complied with this section.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.01, eff. September 1, 2005.|
TX Fin Code § 308.003 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 308 - Consumer Credit Protections|Section 308.003. No Double Liability or Enforcement for Same Act or Practice

Sec. 308.003.  NO DOUBLE LIABILITY OR ENFORCEMENT FOR SAME ACT OR PRACTICE.  A judgment, consent decree, assurance of compliance, or other resolution of a claimed violation asserted by a federal agency under the Consumer Credit Protection Act (15 U.S.C. Section 1601 et seq.) bars a subsequent action or other enforcement under this chapter with respect to the same act or practice.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.01, eff. September 1, 2005.|
TX Fin Code § 339.002 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 339 - Miscellaneous Provisions Relating to Interest|Section 339.002. Billing Cycle Interest Limitation on Open-End Account Without Merchant Discount

Sec. 339.002.  BILLING CYCLE INTEREST LIMITATION ON OPEN-END ACCOUNT WITHOUT MERCHANT DISCOUNT.  (a)  This section applies to an open-end account agreement that provides for credit card transactions:(1)  in which the creditor relies on one of the ceilings authorized by Chapter 303 for the rate of interest;  and(2)  in connection with which the creditor does not impose or receive a merchant discount.(b)  Interest or time price differential may not be charged for a billing cycle of an open-end account credit agreement if:(1)  the total amount of the obligor's payments during the cycle equal or exceed the balance owed under the agreement at the end of the preceding billing cycle;  or(2)  an amount is not owed under the agreement at the end of the preceding billing cycle.|Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999.|
TX Fin Code § 339.003 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 339 - Miscellaneous Provisions Relating to Interest|Section 339.003. Sale of Open-End Account Without Merchant Discount

Sec. 339.003.  SALE OF OPEN-END ACCOUNT WITHOUT MERCHANT DISCOUNT.  A seller or lessor may sell an open-end account credit agreement described by Section 339.002(a) or any balance under that agreement to a purchaser who purchases a substantial part of the seller's or lessor's open-end account credit agreements or balances under those agreements in accordance with Subchapter G, Chapter 345.  A charge, fee, or discount on that sale:(1)  is not a merchant discount;(2)  does not disqualify the open-end account credit agreement or a balance under that agreement from being subject to Chapter 303 or from coverage under this section;  and(3)  does not subject the account to the limitations provided by Section 303.006(c).|Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999.|
TX Fin Code § 339.004 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 339 - Miscellaneous Provisions Relating to Interest|Section 339.004. Application of Licensing Requirement and Subtitle B to Credit Union or Employee Benefit Plan

Sec. 339.004.  APPLICATION OF LICENSING REQUIREMENT AND SUBTITLE B TO CREDIT UNION OR EMPLOYEE BENEFIT PLAN.  (a)  A credit union is not subject to Subtitle B  and is not required to obtain a license under this title.(b)  With respect to a loan that an employee benefit plan that is subject to Title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. Sections 1001-1114) makes to a participant in the plan or a participant's beneficiary, the plan is not subject to Subtitle B and is not required to obtain a license under this title.|Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999.|
TX Fin Code § 339.005 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle A - Interest|Chapter 339 - Miscellaneous Provisions Relating to Interest|Section 339.005. Applicability of Certain Federal Law

Sec. 339.005.  APPLICABILITY OF CERTAIN FEDERAL LAW.  This title does not override or restrict the applicability of 12 U.S.C. Section 1735f-7a.|Added by Acts 2001, 77th Leg., ch. 916, Sec. 9, eff. Sept. 1, 2001.|
TX Fin Code § 350.001 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 350 - Requirements and Limitations Applicable to Consumer Creditors Not Licensed or Registered Under This Title|Section 350.001. Applicability

Sec. 350.001.  APPLICABILITY.  (a)  This chapter applies to a person who extends credit primarily for personal, family, or household use and not for a business, commercial, investment, or agricultural purpose.  For the purposes of this chapter, credit means the right granted to a debtor to defer payment of debt or to incur debt and defer its payment.  A creditor is subject to this chapter if the creditor charges a finance charge or extends credit payable in one or more installments.(b)  This chapter does not apply to a person who is:(1)  licensed or registered under this title or Title 3; or(2)  exempt from licensing or registration under this title.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.04, eff. September 1, 2005.|
TX Fin Code § 350.002 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 350 - Requirements and Limitations Applicable to Consumer Creditors Not Licensed or Registered Under This Title|Section 350.002. Prevention of Evasion

Sec. 350.002.  PREVENTION OF EVASION.  A  person may not use any device, subterfuge, or pretense to evade the application of this section.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.04, eff. September 1, 2005.|
TX Fin Code § 350.003 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 350 - Requirements and Limitations Applicable to Consumer Creditors Not Licensed or Registered Under This Title|Section 350.003. Compliance With Fair Trade Practices Act

Sec. 350.003.  COMPLIANCE WITH FAIR TRADE PRACTICES ACT.  A creditor who is not licensed, registered, or otherwise exempt under this title must comply with the requirements of 15 U.S.C. Section 45.  An enforcement action to compel compliance under this section may include an action to enjoin illegal activities or order restitution.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.04, eff. September 1, 2005.|
TX Fin Code § 350.004 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 350 - Requirements and Limitations Applicable to Consumer Creditors Not Licensed or Registered Under This Title|Section 350.004. Penalties

Sec. 350.004.  PENALTIES.  Chapter 349 applies to violations of this chapter and the rules adopted under this chapter.|Added by Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 1.04, eff. September 1, 2005.|
TX Fin Code § 352.001 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 352 - Tax Refund Anticipation Loans|Section 352.001. Definitions

Sec. 352.001.  DEFINITIONS.  In this chapter:(1)  "Borrower" means an individual who receives the proceeds of a refund anticipation loan.(2)  "Facilitator" means a person who processes, receives, or accepts for delivery an application for a refund anticipation loan, delivers a check in payment of refund anticipation loan proceeds, or in any other manner acts to allow the making of a refund anticipation loan.(3)  "Lender" means a person who extends credit to a borrower in the form of a refund anticipation loan.(4)  "Refund anticipation loan" means a loan borrowed by a taxpayer based on the taxpayer's anticipated federal income tax refund.(5)  "Refund anticipation loan fee" means a fee imposed or other consideration required by the facilitator or the lender for a refund anticipation loan.  The term does not include a fee usually imposed or other consideration usually required by the facilitator in the ordinary course of business for services not related to the making of loans, including a fee imposed for tax return preparation or for the electronic filing of a tax return.|Added by Acts 2007, 80th Leg., R.S., Ch. 135 (H.B. 1344), Sec. 1, eff. September 1, 2007.Renumbered from Finance Code, Section 351.001 by Acts 2009, 81st Leg., R.S., Ch. 87 (S.B. 1969), Sec. 27.001(17), eff. September 1, 2009.|
TX Fin Code § 352.002 (2021)
2021 Texas Statutes|Finance Code|Title 4 - Regulation of Interest, Loans, and Financed Transactions|Subtitle B - Loans and Financed Transactions|Chapter 352 - Tax Refund Anticipation Loans|Section 352.002. Restriction on Acting as Facilitator

Sec. 352.002.  RESTRICTION ON ACTING AS FACILITATOR.  (a)  A person may not, individually or in conjunction or cooperation with another person, act as a facilitator unless the person is:(1)  engaged in the business of preparing tax returns, or employed by a person engaged in the business of preparing tax returns;(2)  primarily involved in financial services or tax preparations;(3)  authorized by the Internal Revenue Service as an e-file provider; and(4)  registered with the commissioner as a facilitator under Section 352.003.(b)  This section does not apply to:(1)  a bank, thrift, savings association, industrial bank, or credit union operating under the laws of the United States or this state;(2)  an affiliate that is a servicer of a person described by Subdivision (1) operating under the name of that person; or(3)  any person who acts solely as an intermediary and does not interact directly with a taxpayer in the making of the refund anticipation loan.|Added by Acts 2007, 80th Leg., R.S., Ch. 135 (H.B. 1344), Sec. 1, eff. September 1, 2007.Renumbered from Finance Code, Section 351.002 by Acts 2009, 81st Leg., R.S., Ch. 87 (S.B. 1969), Sec. 27.001(17), eff. September 1, 2009.Amended by: Acts 2009, 81st Leg., R.S., Ch. 87 (S.B. 1969), Sec. 27.002(4), eff. September 1, 2009.|