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Chapter 348

Motor Vehicle Installment Sales

Subchapter A. General Provisions

348.001 Definitions 348.0015 Presumption Regarding Noncommercial Vehicles; Exception 348.002 Bailment or Lease as Retail Installment Transaction 348.003 Classification as Retail Installment Transaction Unaffected 348.004 Cash Price 348.005 Itemized Charge 348.006 Principal Balance; Inclusion of Documentary Fee 348.007 Applicability of Chapter 348.008 Applicability of Other Statutes to Retail Installment Transaction 348.009 Federal Disclosure Requirements Applicable 348.0091 Disclosure of Equity in Trade-in Motor Vehicle 348.010 Additional Information Allowed in Contract 348.011 Order of Items in Contract 348.012 Applicability of Insurance Premium Financing Provisions 348.013 Conditional Delivery Agreement 348.014 Transaction Conditioned on Purchase of Vehicle Protection Product Prohibited

Subchapter B. Retail Installment Contract

348.101 Retail Installment Contract General Requirements 348.1015 Contract Conditioned on Subsequent Assignment Prohibited 348.102 Contents of Contract 348.103 Time Price Differential for Retail Installment Contract 348.104 Time Price Differential for Contract with Equal Monthly Successive Payments 348.105 Use of Optional Ceiling 348.106 Time Price Differential for Other Contracts 348.107 Charge for Default in Payment of Installment 348.108 Charges for Collecting Debt 348.109 Acceleration of Debt Maturity 348.110 Delivery of Copy of Contract 348.111 Buyer's Right to Rescind Contract 348.112 Buyer's Acknowledgment of Delivery of Contract Copy 348.113 Amendment of Retail Installment Contract 348.114 Charges for Deferring Installment 348.115 Charge for Other Amendment 348.116 Confirmation of Amendment 348.117 Contract After Amendment 348.118 Prepayment of Contract 348.119 Refund Credit on Prepayment 348.120 Amount of Refund Credit for Monthly Installment Contract 348.121 Amount of Refund Credit for Other Contracts 348.122 Reinstatement of Contract After Demand for Payment 348.123 Refinancing of Large Installment 348.124 Debt Cancellation Agreements 348.125 Trade-in Credit Agreements Offered in Connection with Retail Installment Contracts

Subchapter C. Insurance

348.201 Property Insurance 348.202 Credit Life and Credit Health and Accident Insurance 348.203 Maximum Amount of Credit Life and Credit Health and Accident Coverage 348.204 Insurance Statement 348.205 Statement If Liability Insurance Not Included in Contract 348.206 Insurance May Be Furnished by Buyer 348.207 Buyer's Failure to Provide Evidence of Insurance 348.208 Charges for Other Insurance and Forms of Protection Included in Retail Installment Contract 348.209 Requirements for Including Insurance Cost in Contract 348.210 Delivery of Insurance Document to Buyer 348.211 Holder's Duty If Insurance Is Adjusted or Terminated 348.212 Gain or Advantage from Insurance Not Additional Charge 348.213 Adding to Retail Installment Contract Premiums for Insurance Acquired After Transaction 348.214 Effect of Adding Premium to Contract 348.215 Financing Entity May Not Require Insurance from Particular Source

Subchapter D. Acquisition of Contract or Balance

348.301 Authority to Acquire 348.302 Lack of Notice Does Not Affect Validity as to Certain Creditors 348.303 Payment by Buyer

Subchapter E. Holder's Rights, Duties, and Limitations

348.403 Seller's Promise to Pay or Tender of Cash to Buyer as Part of Transaction 348.404 Seller's Action for Incentive Program or to Pay for Buyer's Motor Vehicle 348.405 Statement of Payments and Amount Due under Contract 348.406 Receipt for Cash Payment 348.407 Retention or Disposition of Nonattached Personal Property 348.408 Outstanding Balance Information; Payment in Full 348.409 Liability Relating to Outstanding Balance Information 348.410 Prohibition on Power of Attorney to Confess Judgment or Assignment of Wages 348.411 Prohibition on Certain Acts of Repossession 348.412 Buyer's Waiver 348.413 Transfer of Equity 348.414 Automobile Club Membership Offered in Connection with Retail Installment Contract 348.416 Convenience Fee for Processing Electronic Payments Authorized

Subchapter F. Licensing; Administration of Chapter

348.501 License Required 348.5015 Residential Mortgage Loan Originator License Required 348.502 Application Requirements 348.503 Investigation of Application 348.504 Approval or Denial of Application 348.505 Disposition of Fees on Denial of Application 348.5055 License Term 348.506 License Fee 348.5065 Grounds for Refusal to Renew 348.507 Expiration of License on Failure to Pay Fee 348.508 License Suspension or Revocation 348.509 Reinstatement of Suspended License; Issuance of New License After Revocation 348.510 Surrender of License 348.511 Effect of License Suspension, Revocation, or Surrender 348.512 Transfer or Assignment of License 348.513 Adoption of Rules 348.514 Examination; Access to Records 348.515 General Investigation 348.516 Payment of Examination Costs and Administration Expenses 348.517 License Holder's Records; Document Retention Requirements 348.518 Sharing of Information