CHAPTER 83. REGULATED LENDERS AND CREDIT ACCESS BUSINESSES  


SUBCHAPTER A. RULES FOR REGULATED LENDERS
DIVISION 1. GENERAL PROVISIONS
§ 83.101. Purpose and Scope
§ 83.102. Definitions
DIVISION 2. AUTHORIZED ACTIVITIES
§ 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
DIVISION 3. APPLICATION PROCEDURES
§ 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
DIVISION 4. LICENSE
§ 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
DIVISION 5. INTEREST CHARGES ON LOANS
§ 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
DIVISION 6. ALTERNATE CHARGES FOR CONSUMER LOANS
§ 83.601. Authorized Charges
§ 83.602. Default Charges
§ 83.603. Deferment Charges
§ 83.604. Payday Loans; Deferred Presentment Transactions
§ 83.605. Limitation on Acquisition Charge
§ 83.606. Maximum Term and Maximum Installment Account Handling Charge
DIVISION 7. INTEREST AND OTHER CHARGES ON SECONDARY MORTGAGE LOANS
§ 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
DIVISION 8. REFUNDS FOR PRECOMPUTED LOANS
§ 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
DIVISION 9. INSURANCE
§ 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
DIVISION 10. DUTIES AND AUTHORITY OF AUTHORIZED LENDERS
§ 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
DIVISION 11. PROHIBITIONS ON AUTHORIZED LENDERS
§ 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
DIVISION 1. GENERAL PROVISIONS
§ 83.1001. Purpose and Scope
§ 83.1002. Definitions
DIVISION 2. AUTHORIZED ACTIVITIES
§ 83.2001. Responsibility for Acts of Agents
§ 83.2002. Knowledge of Laws and Regulations Required
§ 83.2003. Attempted Evasion of Applicability of Subchapter
DIVISION 3. APPLICATION PROCEDURES
§ 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
DIVISION 4. LICENSE
§ 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
DIVISION 5. OPERATIONAL REQUIREMENTS
§ 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
DIVISION 6. CONSUMER DISCLOSURES AND NOTICES
§ 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