(a) A retail installment contract must contain:
(1) the name of the retail seller and the name of the retail buyer;
(2) the place of business of the retail seller;
(3) the residence or other address of the retail buyer as specified by the retail buyer;
(4) the cash price;
(5) the amount of the retail buyer's down payment, specifying the amount paid in money and the amount allowed for goods traded in; and
(6) each itemized charge.
(b) A charge for insurance authorized under Subchapter E may be disclosed as provided by that subchapter.
(c) A retail installment contract must reasonably identify the goods sold or services furnished under the contract. Multiple items of goods or services may be described in a separate writing in detail sufficient to identify them.
(d) The contract must contain substantially the following notice printed or typed in at least 10-point type that is bold-faced, capitalized, or underlined or otherwise conspicuously set out from the surrounding written material:
"NOTICE TO THE BUYER. DO NOT SIGN THIS CONTRACT BEFORE YOU READ IT OR IF IT CONTAINS BLANK SPACES. YOU ARE ENTITLED TO A COPY OF THE CONTRACT YOU SIGN. UNDER THE LAW YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS MAY OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. KEEP THIS CONTRACT TO PROTECT YOUR LEGAL RIGHTS."
Official text of the Texas Finance Code as published by the Texas Legislative Council.