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2 Document(s) [ Subject: Finance Commission of Texas ]

Committee: House Financial Institutions
Title: Interim Report
Library Catalog Title: House Committee on Financial Institutions, Texas House of Representatives interim report, 2006
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
Session: 79th R.S. (2005)
Online version: View report [81 pages  File size: 20,202 kb]
Charges: This report should address the charges below.
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
Title: Interim report
Library Catalog Title: Interim report from the House Committe[e] on Financial Institutions, 71st Legislature : to the speaker and members of the Texas House of Representatives, 71st Legislature.
Subjects: Banks and banking | Business loans | Consumer credit | 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
Session: 71st R.S. (1989)
Online version: View report [58 pages  File size: 3,007 kb]
Charges: This report should address the charges below.
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.

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