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Chapter 345

Retail Installment Sales

Subchapter A. General Provisions

345.001 Definitions 345.002 Goods 345.003 Services 345.004 Cash Price 345.005 Itemized Charge 345.006 Time Price Differential Not Interest 345.007 Applicability of Chapter 345.008 Applicability of Other Statutes to Retail Installment Transaction 345.009 Disclosure Requirements If Conflict with Federal Law

Subchapter B. Retail Installment Contract

345.051 Retail Installment Contract General Requirements 345.052 Contents of Contract 345.053 Disclosure of Promise to Compensate for Referral 345.054 Time Price Differential for Contract 345.055 Time Price Differential for Contract Payable in Equal Monthly Payments 345.056 Use of Optional Ceiling 345.057 Time Price Differential for Other Contracts 345.058 Minimum Time Price Differential for Contract 345.059 Principal Balance Computation 345.060 Charges for Default in Payment of Installment 345.061 Charges for Collecting Debt 345.062 Acceleration of Debt Maturity 345.063 Requirements for Contract That Is More Than One Document 345.064 Completion of Contract 345.065 Delivery of Copy of Contract 345.066 Buyer's Right to Rescind Contract 345.067 Buyer's Acknowledgment of Delivery of Contract Copy 345.068 Bailment or Lease as Retail Installment Transaction 345.069 Deferment of Installment 345.070 Amendment of Contract 345.071 Confirmation of Amendment 345.072 Contract After Amendment 345.073 Prepayment of Contract 345.074 Refund Credit on Prepayment 345.075 Amount of Refund Credit for Monthly Installment Contract 345.076 Amount of Refund Credit for Other Contracts 345.077 Reinstatement of Contract 345.078 Consolidation of Contracts 345.079 Allocation of Payments on Consolidation of Contracts 345.080 Obligation under More Than One Contract 345.081 Certificate of Completion or Satisfaction of Contract 345.082 Statement of Payments and Amount Due under Contract 345.083 Receipt for Cash Payment 345.084 Debt Cancellation Agreement

Subchapter C. Retail Charge Agreement

345.101 Making Retail Charge Agreement 345.102 Agreement General Requirements 345.103 Time Price Differential for Agreement 345.104 Use of Optional Ceiling 345.105 Charges for Collection of Payment of Agreement 345.106 Processing Fee for Returned Check 345.107 Prohibited Fees 345.108 Prohibition on Signing of Agreement with Blank Spaces 345.109 Delivery of Copy of Agreement 345.110 Buyer's Acknowledgment of Delivery of Agreement Copy 345.111 Statement of Cash Price 345.112 Agreement Balance Statement 345.113 Compliance with Federal Law Considered Compliance with Chapter's Disclosure Requirements

Subchapter D. Alternate Finance Charge Ceiling

345.155 Time Price Differential Computation and Amount 345.156 When Charging of Time Price Differential Prohibited 345.157 Delinquency Charge 345.158 Retail Charge Agreement to Which Subchapter Does Not Apply

Subchapter E. Insurance

345.201 Property Insurance 345.202 Credit Life, Credit Health and Accident, and Credit Involuntary Unemployment Insurance 345.203 Maximum Amount of Insurance Coverage 345.204 Insurance Statement 345.205 Insurance May Be Furnished by Buyer 345.206 Buyer's Failure to Provide Evidence of Insurance 345.207 Charges for Other Insurance Included in Retail Installment Contract 345.208 Requirements for Including Insurance Charge in Contract or Agreement 345.209 Delivery of Insurance Document to Buyer 345.210 Holder's Duty If Insurance Is Adjusted or Terminated 345.211 Gain or Advantage from Insurance Not Additional Charge 345.212 Nonfiling Insurance 345.213 Inclusion of Insurance Premiums 345.214 Adding to Retail Installment Contract Premiums for Insurance Acquired After Transaction 345.215 Effect of Adding Premium to Contract or Agreement

Subchapter F. Special Fees and Finance Rates

345.251 Documentary Fee for Certain Vehicles 345.252 Time Price Differential for Certain Prepaid Funeral Benefits 345.253 Time Price Differential for Medical and Dental Services

Subchapter G. Acquisition of Contract, Agreement, or Balance

345.301 Authority to Acquire 345.302 Lack of Notice Does Not Affect Validity as to Certain Creditors 345.303 Payment by Buyer 345.304 Preservation of Buyer's Right of Action or Defense

Subchapter H. Other Provisions Applicable to Contracts and Agreements

345.351 Registration of Holder 345.352 Seller's Promise to Pay or Tender of Cash to Buyer as Part of Transaction 345.353 Making of Contract or Agreement by Mail or Telephone 345.354 Prohibition on Power of Attorney to Confess Judgment and Assignment of Wages 345.355 Prohibition on Certain Acts of Repossession 345.356 Buyer's Waiver 345.357 Prohibition on Certain Liens