Subject search results

4 Document(s) [ Subject: Department of Banking, Texas ]

• Committee:

  House Financial Institutions, 79th R.S. (2005)

  Title:

  Interim Report

  Document type:

  Report

  Subjects:

  Banks and banking | Consumer Credit Commissioner, Office of | Credit Union Department | Department of Banking, Texas | Finance Commission of Texas | Foreclosures | Fraud | Mortgage brokers | Mortgages | Savings and Loan Department, Texas | Subprime lending |

  Library Call Number:

  L1836.79 F49h

  Description:

  [81 pages  File size: 20,202 kb]

  Charges:

  1. Examine the feasibility and impact of consolidating the state financial regulatory agencies which include the Office of the Consumer Credit Commissioner, Texas Department of Banking, Department of Savings and Mortgage Lending (formerly Texas Savings and Loan Department) and the Texas Credit Union Department.
  2. Evaluate predatory lending practices involved with subprime mortgage lending within the state, primarily in the border counties, including: Study the patterns of mortgage fraud and develop statutory changes to reduce incidences of mortgage fraud and punish violators. Study the relationship between mortgage brokers and residential borrowers including: whether or not the mortgage broker is the agent of the residential borrower: the types of disclosures which should be required; and, the sources and nature of compensation.

  ---

• Committee:

  House Financial Institutions, 76th R.S. (1999)

  Title:

  Interim Report

  Document type:

  Report

  Subjects:

  Banks and banking | Bond Review Board, Texas | Consumer credit and debt | Consumer Credit Commissioner, Office of | Consumer protection | Credit service organizations | Credit Union Department | Department of Banking, Texas | Gramm-Leach-Bliley Act of 1999 | Home equity loans | Privacy | Public Finance Authority, Texas | Sale-leaseback agreements | Savings and Loan Department, Texas |

  Library Call Number:

  L1836.76 f49h

  Description:

  [77 pages  File size: 139 kb]

  Charges:

  1. Determine the extent to which personal customer and account information may be accessed or furnished to governmental institutions, other divisions or affiliates of a financial institution, and unrelated commercial or other enterprises. Assess the state's ability to assure customers the privacy of their information.
  2. Research the practices commonly known as "payday loans" and "sale leasebacks" to determine the need to regulate such transactions.
  3. Review the federal "financial services modernization" act (HR 10) to identify necessary changes to state laws and regulations governing insurance and financial institutions. This review is to be conducted jointly with the House Committee on Insurance.
  4. Conduct a review of the home equity lending market, including lender activities and practices, to assess the extent to which the expectations of the 75th Legislature are being met.
  5. Conduct active oversight of the agencies under the committee's jurisdiction.

  ---

• Committee:

  House Financial Institutions, 72nd R.S. (1991)

  Title:

  Interim Report

  Document type:

  Report

  Subjects:

  Banks and banking | Damage awards | Department of Banking, Texas | Funeral industry | Liability | Savings and Loans |

  Library Call Number:

  L1836.72 f249 H

  Description:

  [62 pages  File size: 2,444 kb]

  Charges:

  1. Study the limitation of punitive or exemplary damages against banks as lenders.
  2. Study the creation of limited banking associations.
  3. Study federally mandated interstate branching and its potential impact of deposit concentration and deployment on Texas communities and on the Texas economy in general.
  4. Study the creation of state savings banks in Texas.
  5. Study the withdrawal of funds collected on contracts for prepaid funeral benefits.

  ---

• Committee:

  House Financial Institutions, 71st R.S. (1989)

  Title:

  Interim report

  Document type:

  Report

  Subjects:

  Banks and banking | Business loans | Consumer credit and debt | Department of Banking, Texas | Finance Commission of Texas | Foreclosures | Home equity loans | Interest rates | Mexico | Property values | Reverse mortgages | Savings and Loan Department, Texas | Savings and Loans |

  Library Call Number:

  L1836.71 f49

  Description:

  [58 pages  File size: 3,007 kb]

  Charges:

  1. To monitor all activities and to have budget oversight responsibilities for those agencies, boards and commissions as listed in Rule 3, Section 12.
  2. To study the impact and extent of foreign government ownership of Texas banks and savings and loan institutions.
  3. To study deficiency procedures on debts secured by real property following foreclosure sale of the property.
  4. To study the impact and results of federally promulgated takeovers and consolidations by out-of-state holding companies on the competitiveness of interest rates among all banks in Texas.
  5. To study the responsiveness of holding companies to local, state, small business and agriculture credit needs relative to the availability of capital in Texas' banking markets.
  6. To study the state's role in the changing financial institution structure and potential policies the state can develop to strengthen the dual systems of chartering and supervising banks in Texas.
  7. To study the impact of the "Financial Institutions Reform, Recovery, and Enforcement Act of 1989" on the savings and loan companies in Texas.
  8. To study the need for state chartered financial institutions.
  9. To study the need for a State Chartered Savings Bank.
  10. To study the impact that current law on home equity loans has on savings and loans in Texas under terms of the "good asset" requirements of the "Financial Institutions Reform, Recovery and Enforcement Act of 1989."
  11. To study the impact of the requirements of the Financial Institutions Reform, Recovery and Enforcement Act of 1989 (FIRREA) on real estate appraisers, and the means by which the availability of such required services may be assured throughout Texas.

  ---