Subject search results

13 Document(s) [ Subject: Interest rates ]

Committee:	Senate Finance
Title:	Interim Report
Subjects:	Alamo | Alternatives to incarceration | Appropriations bill riders | Business taxes | Criminal justice | Delinquent taxes | Disaster relief | Driver Responsibility Program | Economy | Emergency medical services | Federal aid | Federal funds | Fees | General Land Office, Texas | Hurricane Harvey | Interest rates | Juvenile justice system | Legislative Budget Board, Texas | Natural disasters | Personal property taxes | Probation | Rainy Day Fund | State budget certification | State budgets | Tax refunds | Texas Emissions Reduction Plan |
Library Call Number:	L1836.85 F49
Session:	85th R.S. (2017)
Online version:	View report [64 pages]
Charges:	This report should address the charges below.
1.	Monitor all funds currently being used to address Hurricane Harvey relief and recovery. Identify ways to maximize the use of federal funds and ensure the efficient use of state funds.
2.	Evaluate the long-term impact of Hurricane Harvey on the Texas economy and the gulf coast region.
3.	Alamo Historical Site Renovation: Monitor the expenditures of state funds appropriated to the General Land Office for the preservation, maintenance, and operation of the Alamo historical site. Ensure the funds are spent to emphasize the architectural design and the historical impact the battle had on the development of Texas as a nation and as a state.
4.	Economic Stabilization Fund: Examine options to increase investment earnings of the Economic Stabilization Fund in a manner that mini mizes overall risk to the fund balance. Investment options should ensure the liquidity of a sufficient portion of the balance so that the legislature has the resources necessary to address the needs of the state, including natural disasters. Evaluate how the Economic Stabilization Fund constitutional limit is calculated; consider alternative methods to calculate the limit, and alternative uses for funds above the limit.
5.	Texas Emission Reduction Plan: Review the Texas Emission Reduction Plan (TERP) and its economic benefits to the state. Examine whether the state's investment in TERP, including transfers from the Department of Transportation, are being effectively utilized to comply with federal air quality standards, reduce pollution, and protect the public health of Texans.
6.	Request to Exceed Review: Review all riders requiring interim action by the Legislative Budget Board to reduce the number of times interim budget modification is necessary.
7.	Fee Structure Review: Review state General Revenue - Dedicated fees and make recommendations to reduce fees and lessen reliance on General Revenue - Dedicated fee balances to certify the budget.
8.	Adult and Juvenile Corrections Funding: Examine the funding patterns used to fund the juvenile justice system and adult probation departments. Develop recommendations to ensure the Texas Juvenile Justice Department budget does not dis-incentivize the use of cost-effective best practices such as diverting youth from the juvenile justice system, providing services to youth in their community, and keeping youth closer to home. In addition, review funding to adult probation departments and ensure it provides for an equitable distribution to all Texas Probation Departments.
9.	Trauma Funding: Review revenue sources currently funding the state's trauma system and the impact of declining revenues and balances in General Revenue - Dedicated accounts. Evaluate the impact of statutory changes affecting trauma system funding, including efforts to eliminate the Driver Responsibility Program. Examine ways to ensure sustainability of the trauma system in Texas.
10.	Property Tax on Business Personal Property: Evaluate the property tax as it applies to business personal property and the current $5oo exemption. Quantify the economic effect of taxing business personal property and determine whether the tax places Texas at a competitive disadvantage relative to other states. Evaluate the burden on taxpayers and local governments of administering the property tax on business personal property and determine whether the current $soo exemption should be increased.
11.	Interest Rate Disparity: Evaluate the rate of interest charged on delinquent property taxes and delinquent state taxes, compared to the rate of interest paid on property tax refunds and state tax refunds. • Evaluate the effect of interest rate disparity on the assessment decisions of governments and the payment decisions of taxpayers. • Quantify the amount by which state and local governments profit from interest rate disparity. • Identify best practices among other states regarding interest rates charged and paid. • Recommend a plan and timeline to reduce interest rate disparity.
12.	Monitoring: Monitor the implementation of the following funding initiatives: • CPS Critical Needs - Monitor the impact of salary increases and additional caseworkers allocated to Child Protective Services last interim. • Health Care Costs Across State Agencies - Monitor coordination efforts among state agencies to improve health care and reduce costs pursuant to Article IX, Section 10.06 and Section 10.07. • Behavioral Health - Monitor the state's progress in coordinating behavioral health services and expenditures across state government, pursuant to Article IX section 10.04, including the impact of new local grant funding provided by the 85th Legislatu re. • Sporting Goods Sales Tax - Identify state and local park needs and determine whether the Sporting Goods Sales Tax is meeting those needs.
Committee:	Senate Business and Commerce
Title:	Interim Report - Usury Laws and Credit Counseling Services
Library Catalog Title:	Texas usury laws and credit counseling services : interim report to the 79th Texas Legislature
Subjects:	Ameridebt | Business loans | Consumer credit and debt | Interest rates |
Library Call Number:	L1836.78 B963ul
Session:	78th R.S. (2003)
Online version:	View report [53 pages  File size: 2,908 kb]
Charge:	This report should address the charge below.
1.	Study the current structure of Texas' usury laws in order to determine how they are effected by federal law and how state law impacts new economic development and job production in the State. Pay particular attention to the relationship between the Constitutional limits on commercial and consumer lending and the location of new financial services companies within Texas. Make recommendations for improving the structure while increasing economic development and enhancing consumer protections. A thorough assessment of the credit counseling and debt management industry should accompany the Committee's examination of this subject, including recommendations for improving services.
Committee:	Senate Economic Development
Title:	Interim Report - Consumer credit
Library Catalog Title:	Interim report to the 77th Texas Legislature / Senate Committee on Economic Development, Subcommittee on Consumer Credit Laws.
Subjects:	Banks and banking | Consumer credit and debt | Gramm-Leach-Bliley Act of 1999 | Interest rates |
Library Call Number:	L1836.76 ec74c
Session:	76th R.S. (1999)
Online version:	View report [67 pages  File size: 2,469 kb]
Charges:	This report should address the charges below.
1.	Monitor trends affecting the convergence of the banking, securities, and insurance industries, including market forces and federal government activity. The Committee shall make recommendations for statutory or regulatory changes at the state level as necessitated by changes in federal law or industry trends. The Committee shall also evaluate pending federal legislation affecting financial institutions, specifically in the area of bankruptcy, analyzing how potential changes affect Texas law.
2.	Review Article 16, Sec. 11 of the Texas Constitution, relating to the maximum rates of insterest for contracts entered into in the State.
3.	Study the effect of usury limits on the various consumer lending entities in the State.
4.	Evaluate the effect of the pending federal Financial Services Modernization Act on consumer credit laws in Texas.
Committee:	House Financial Institutions
Title:	Interim report
Library Catalog Title:	Committee on Financial Institutions, Texas House of Representatives interim report, 1996 : a report to the House of Representatives, 75th Texas Legislature.
Subjects:	Banks and banking | Business loans | Consumer credit and debt | Interest rates | Statutory revision | Trust companies |
Library Call Number:	L1836.75 f49h
Session:	74th R.S. (1995)
Online version:	View report [60 pages  File size: 2,909 kb]
Charges:	This report should address the charges below.
1.	Conduct active oversight of agencies under the committee's jurisdiction.
2.	Review the laws governing trust companies for necessary revisions and possible incorporation in the Texas Banking Code.
3.	Review the Texas Credit Code to identify areas that may need revision and recomend such revisions.
4.	Review federal legislation affecting the banking, thrift or securities industries to assess impacts on Texas and the need for revising Texas laws.
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 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
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.
Committee:	House Capital Formation, Select, Interim
Title:	Interim Report
Library Catalog Title:	Interim report to the 70th Texas Legislature / Texas House of Representatives, Special Interim House Committee on Capital Formation.
Subjects:	Banks and banking | Business loans | Economic development | Home equity loans | Interest rates | Stock investments |
Library Call Number:	L1836.69 c172
Session:	69th R.S. (1985)
Online version:	View report [91 pages  File size: 4,250 kb]
Charges:	This report should address the charges below.
1.	To analyze Texas' current financial structures and capital needs and examine the state's future financial capital service needs in order to meet desired economic development goals.
2.	The committee will incorporate a thorough study of state and federal statutory and regulatory systems currently in place and alternatives for the future.
3.	The study will include an investigation of opportunities available in the state for capital formation for business and economic development particularly in the area of regional vs. national banking and high-tech venture capital formation.
4.	Also to be studied will be the identification of areas in state and federal laws and regulations which act as barriers to capital formation and the role and scope of state agencies involved in capital formation.
5.	The committee will also look at second lien financing secured by homestead equities.
Committee:	House Judiciary
Title:	Interim report
Library Catalog Title:	To the speaker and members of the Texas House of Representatives, 69th Legislature : report of the Committee on the Judiciary, House of Representatives, state of Texas, 68th Legislature.
Subjects:	Alternative dispute resolution | Attorney General of Texas | Damage awards | Divorce | Interest rates | Juvenile justice system | Law Examiners, Texas Board of | State Bar of Texas | Statutory revision |
Library Call Number:	L1836.68 j898
Session:	68th R.S. (1983)
Online version:	View report [115 pages  File size: 3,481 kb]
Charges:	This report should address the charges below.
1.	To monitor all activities and have budget oversight responsibilities for those agencies, boards and commissions as listed in Rule 3, Section 18.
2.	To study the necessity and desirability of revising Title 3 of the Family Code to conform with the federal Juvenile Justice and Delinquency Prevention Act.
3.	To study the adversarial system of adjudicating divorce and related issues, and possible available alternatives to that system.
4.	To study the organization, administration, and procedures of the Office of the Attorney General.
5.	To study the funding, procedures, and processes of the Board of Law Examiners, and a review of the qualifications necessary for admittance to the State Bar.
6.	To study the necessity and desirability of allowing prejudgment interest in civil suits.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report of the Financial Institutions Committee, Texas House of Representatives, 66th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Credit unions | Interest rates | Investment of public funds | Mortgages |
Library Call Number:	L1836.66 f49
Session:	66th R.S. (1979)
Online version:	View report [71 pages  File size: 2,145 kb]
Charges:	This report should address the charges below.
1.	Report on the status of the mortgage loan business in view of the change in usury limits enacted by the 66th Regular Session of the Legislature.
2.	Compare the interest rate structures permitted by law for all lending institutions in Texas and compare these structures with those in selected states with similar regional and economic status to determine the impact of Texas usury ceilings and recommend revisions if needed.
3.	Review the differences in state-chartered banks, national banks and the bank holding companies as they relate to competition in the money market.
4.	Study the status of credit unions in Texas, particularly with respect to their expansion, financial stability and service to consumers.
5.	Review the possible effects of the Depository Institutions Deregulation and Monetary Control Act of 1980 on state chartered and federally chartered financial institutions in Texas.
6.	Review the authority of the state and its political subdivisions regarding the receipt, deposit, investment and disposition of public funds in state and federally chartered financial institutions.
Committee:	Senate Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report / Senate Committee on Financial Institutions, Senate of the state of Texas, 67th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Interest rates | Mortgages |
Library Call Number:	L1836.66 f50
Session:	66th R.S. (1979)
Online version:	View report [51 pages  File size: 1,705 kb]
Charge:	This report should address the charge below.
1.	Study the current financial market and its effect on the housing situation in Texas; the study shall include, but not be limited to, examination of the lending practices of financial institutions, assessment of the resources available for financing home purchases and home rehabilitation projects, and determination of ways of improving the housing money market in Texas.
Supporting documents
Committee:	Senate Financial Institutions
Title:	SR 668
Library Call Number:	SR 668
Session:	66th R.S. (1979)
Online version:	View document [3 pages  File size: 1,215 kb]
Committee:	Senate Jurisprudence
Title:	Interim report
Library Catalog Title:	Report to the Senate Committee on Jursiprudence.
Subjects:	Child support | Consumer credit and debt | Court congestion | Interest rates |
Library Call Number:	L1836.66 j979s
Session:	66th R.S. (1979)
Online version:	View report [135 pages  File size: 3,956 kb]
Charges:	This report should address the charges below.
1.	Review preferential setting clauses which allow particular kinds of lawsuits or causes of action to take precedence over all other lawsuits pending on a court's docket at the time the lawsuit is filed. Study the problems which these clauses create, and propose solutions. *
2.	Review state interest rate regulation and usury laws, and study the nature and extent of Federal intervention in regulating the availability and cost of credit. *
3.	Research problems with enforcing child support orders; make recommendations for improving the enforcement process. *
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report of the Financial Institutions Committee, Texas House of Representatives, 64th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Consumer Credit Commissioner, Office of | Interest rates |
Library Call Number:	L1836.64 f49
Session:	64th R.S. (1975)
Online version:	View report [73 pages  File size: 2,596 kb]
Charges:	This report should address the charges below.
1.	Study the advisability of studying the advisability of restricting bank holding company growth in the State of Texas.
2.	Conduct hearings regarding consumer finance problems in Texas. Consider the maximum interest rate laws, loan ceilings, disclosure guidelines, and the funding of the Consumer Credit Commission. *
Committee:	Joint Loan Company Legislation
Title:	Report
Library Catalog Title:	Small Loan Legislation
Subjects:	Consumer credit and debt | Consumer protection | Interest rates | Subprime lending |
Library Call Number:	S.J. of Tex., 41st Leg., R.S. 669 (1929)
Session:	40th R.S. (1927)
Online version:	View report [12 pages  File size: 548 kb]
Charge:	This report should address the charge below.
1.	Investigate the necessity for any additional laws intended to eliminate loan sharks from Texas and to make such suggestions as may be necessary of the passage of a law whereby proper banking or loan companies may be organized to operate for the lending of money to salaried employees.

* This represents an abstract of the report contents. Charge text is incomplete or unavailable.

Information on this website is provided as a public service by the Legislative Reference Library. The Legislative Reference Library makes no representation as to its completeness or accuracy and makes no warranty in regard to its use. Users assume all risk of reliance on the information included on this site.