Subject search results

17 Document(s) [ Subject: Mortgages ]

Committee:	Senate Business and Commerce
Title:	Interim Report
Subjects:	Electric utilities | Electric utility deregulation | Electric utility rates and charges | Emergency management | Flood insurance | Flood plains | Health insurance | Health insurance exchanges | Home equity lines of credit | Home equity loans | Hurricane Harvey | Mortgages | Natural disasters | Occupational licenses | Patient Protection and Affordable Care Act | Privacy | Social media | Texas Constitution | Wills and estates |
Library Call Number:	L1836.85 B963
Session:	85th R.S. (2017)
Online version:	View report [133 pages]
Charges:	This report should address the charges below.
1.	Study infrastructure security and energy restoration post weather events. Identify ways state government entities can help utilities more effectively stage pre-hurricane mobilization crews for managing resources before an event.
2.	Examine state mortgage requirements regarding the notification of homebuyers on their need for flood insurance in flood plains and flood pool areas and make recommendations on how to better inform consumers.
3.	Examine local government regulations, including occupational licenses, as related to Hurricane Harvey and determine if any are a detriment to rebuilding efforts.
4.	Examine and make recommendations on the need for changes to the Texas Constitution for home equity lenders to offer various forms of relief to Texas homeowners affected by natural disasters including, among others, the authority to enter into deferment agreements. This examination should include a study of home equity rules regarding negotiation, modification and refinancing and whether constitutionally established time periods can be waived in times of disasters.
5.	Free Market Electricity: Examine the competitive nature of the Texas retail electric system and what government competitive intrusions in the free energy markets may have in distorting those markets. Review the impact of competitive versus noncompetitive retail electricity markets across the state in terms of price and reliability. Consider the projected impact of establishing competitive electric retail markets statewide.
6.	Health Insurance Market Stability: Study the factors affecting health insurance markets in Texas, particularly the individual market, including federal and state law. Make recommendations that would result in increased stability in the markets and enhance value and affordability for individual consumers and businesses. Examine what steps the state needs to take to allow out-of-state health insurance sales. In developing its recommendations, the committee should consider the flexibility afforded to states by 1332 "state innovation" waivers, which allow states to modify or eliminate tax penalties associated with individual and employer coverage mandates; modify requirements for benefits and subsidies; and find alternative ways to provide benefit plan choices, determine eligibility for subsidies, and enroll consumers.
7.	Licensing and Fees: Review licensing requirements and fees imposed on entities within the committee's jurisdiction. Make recommendations for state licenses and fees that should be reduced, repealed or transitioned to private-sector enforcement.
8.	Social Media Access: Study access issues regarding digital assets of decedents. Study social media privacy laws and whether job applicants and students' privacy is jeopardized under current law.
9.	Examine the 2018 electric reliability forecasts announced by ERCOT and review how expected diminished reserve markets will impact the rates of residential and business consumers. Monitor current mechanisms available to ERCOT to ensure grid reliability, identify trends in the wholesale electric market, and make recommendations to maintain grid reliability moving forward.
10.	Monitoring Charge: Monitor the implementation of legislation addressed by the Senate Committee on Business and Commerce during the 85th R.S., including: • The implementation of legislation to deregulate occupational licensing; • The settlement of out-of-network health benefit claims involving balance billing and patient's explanation of benefits statements; and • Make recommendations regarding any additional legislation needed to improve, enhance, and/ or complete implementation.
Committee:	House Investments and Financial Services
Title:	Interim Report
Subjects:	Banks and banking | Consumer credit and debt | Credit reports | Credit scoring | Electronic security | Emergency management | Home equity loans | Hurricane Harvey | Mortgage brokers | Mortgages | Natural disasters |
Library Call Number:	L1836.85 In9
Session:	85th R.S. (2017)
Online version:	View report [42 pages]
Charges:	This report should address the charges below.
1.	Review the impact of Hurricane Harvey on financial institutions in Texas and evaluate the response of the state's oversight agencies. Study how Harvey impacted consumers and lenders in the mortgage and home equity markets. Identify opportunities to improve the operational stability of financial institutions and to improve the state's responsiveness following a natural disaster.
2.	Study the impact and risks that a large-scale security breach of a credit bureau has on Texans. Identify opportunities to protect Texas consumers and to mitigate the impact of such a breach.
3.	Examine mortgage licensure requirements in Texas and identify opportunities to update statute to fit modern mortgage options.
4.	Study policy challenges in the area of financial technology. Evaluate the concept of a "sandbox" as a regulatory approach for enabling innovation and the feasibility of implementing such in Texas. If appropriate, make recommendations for possible legislative action to foster innovation in the finance industry.
5.	Monitor the agencies and programs under the Committee’s jurisdiction and oversee the implementation of relevant legislation passed by the 85th Legislature.
Supporting documents
Committee:	House Investments and Financial Services
Title:	Committee meeting handouts and testimony, January 31, 2018 (Hurricane Harvey, mortgage licensure)
Library Call Number:
Session:	85th R.S. (2017)
Online version:	View document [73 pages  File size: 5,637 kb]
Committee:	House Business and Industry
Title:	Interim Report
Subjects:	Adverse possession | Construction industry | Consumer credit and debt | Deed restrictions | General contractors | Homeowners' associations | Liens | Mortgages | Property taxes | Statutes of limitation | Subcontractors |
Library Call Number:	L1836.82 B964
Session:	82nd R.S. (2011)
Online version:	View report [49 pages]
Charges:	This report should address the charges below.
1.	Review existing lien laws in Texas and make recommendations for improvement.
2.	Review the current statutory requirements to obtain real property by adverse possession in Texas. Recommend any changes to existing law that may be needed to ensure equitable real estate transfers in the state.
3.	Examine current deed restriction laws and make recommendations to encourage efficiency in homeownership and conveyance.
4.	Monitor the agencies and programs under the committee's jurisdiction and the implementation of relevant legislation passed by the 82nd Legislature, including the amendments to the Texas Property Code regarding homeowners associations.
Committee:	Senate Business and Commerce
Title:	Interim Report
Library Catalog Title:	Report to the 82nd Legislature
Subjects:	Alternative energy | Career preparedness | Electric Reliability Council of Texas | Electric utilities | Electric utility rates and charges | Electricity transmission and distribution | Energy conservation | Homeowners insurance | Job training programs | Liens | Mortgages | Municipally-owned utilities | Natural disasters | Texas Windstorm Insurance Association | Unemployment benefits | Unemployment Compensation Trust Fund | Wind energy | Workforce |
Library Call Number:	L1836.81 B963
Session:	81st R.S. (2009)
Online version:	View report [84 pages  File size: 2,897 kb]
Charges:	This report should address the charges below.
1.	Study the implementation of H.B. 4409 enacted by the 81st Legislature pertaining to the financing of insured losses in excess of premium and other revenue of the Texas Windstorm Insurance Association (TWIA). Assess the coverage and affordability of TWIA policies. Review the claims and payments processes and make recommendations to improve the stability of TWIA while enhancing services to clients.
2.	Study options for reducing demand for electricity, including innovative pricing options relating to the use of smart meters, programmable thermostats, and other demand side management and behavioral response strategies. Review current consumer education programs to reduce demand, decrease energy prices, and improve air quality. Consider benefits and costs of alternative energy sources such as geothermal and solar, and current incentives for electric and plug-in hybrid electric vehicles. The study should include recommendations on improving consumer knowledge and usage of these strategies in lowering overall electric usage, promoting energy efficiency, and improving the reliability of the ERCOT grid.
3.	Study and make recommendations relating to the development and implementation of wind energy. Assess the total impact of wind energy, including additional costs to consumers, if any, buy-back provisions and pricing, the need for alternative energy sources at times when wind does not generate electricity, impact on the ERCOT grid, development of battery storage and other storage methods, and economic development impacts.
4.	Study the generation costs of municipally owned electric utilities' planned generation portfolios. Consider the impact of planned generation costs on electric rates for residential and commercial customers. Solicit input on the impact of future electric rates on charitable and non-profit organizations, and the impact on such organizations' cash assistance programs to indigent customers. Consider the merits of a justifiable planned generation cost standard, and whether a deviation above the standard should be subject to approval by a vote of all customers of a municipally owned utility's service area.
5.	Study and make recommendations relating to the Texas Unemployment Compensation Insurance system, including, but not limited to, the following: The capacity and efficiency of the claims filing and benefits delivery system as well as the ability of the agency to meet the needs of the clients it serves given the transition to call centers and web based filing; The current financing scheme for the Unemployment Compensation Trust Fund, and any options to improve the long term financial health and stability of the Fund; The use of debit cards for delivery of UI benefits, including ways to limit user fees to access payments; and Improving public access to local and statewide data on current and historical UI claims.
6.	Study and make recommendations regarding career-focused education and workforce training programs in Texas to insure that such programs meet business and worker needs. Specifically, study whether such programs: meet the current and future workforce needs of health care, skilled trades, construction, manufacturing, aerospace, information technology and green jobs; help retain workers in such trades and fields; retrain and update the skills and education of workers in such trades and fields; and foster and encourage collaboration between the State, education, labor and business to provide education and training.
7.	Study the effectiveness of Chapter 557 of the Insurance Code, relating to insured property subject to a security interest, in setting forth the obligations of a lender and a residential real property insured resulting from an insurer's payment of a claim for damage to the residential real property caused by a natural disaster. Consider the legislation's requirements for release of the insurance proceeds, lienholder's approval of payment of the insurance proceeds, accrual and payment of interest on such proceeds and penalties provided by the statute. Make recommendations for any needed refinements of the legislation.
8.	Monitor the implementation of legislation addressed by the Senate Committee on Business & Commerce, 81st Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2008
Subjects:	Automobiles | Consumer credit and debt | Consumer protection | Financial investments | Foreclosures | Fraud | Funeral industry | Marketing | Mortgage brokers | Mortgages |
Library Call Number:	L1836.80 F49h
Session:	80th R.S. (2007)
Online version:	View report [70 pages  File size: 10,026 kb]
Charges:	This report should address the charges below.
1.	Monitor federal rules and regulations on lending and determine the state's role in regulating issues that relate to the mortgage foreclosure process, disclosures for loan terms, home equity, mortgage brokers, mortgage bankers, consumer protections, and counseling for mortgage products.
2.	Monitor the implementation of HB 716, 80th R.S., to determine if there is a need to further legislate the protection of homebuyers in mortgage fraud schemes, emphasizing the impact in the foreclosure process.
3.	Study the adequacy and effectiveness of existing regulation of prepaid funeral benefits that are funded by insurance or annuity products and make recommendations for statutory changes necessary to further strengthen the regulatory system for protecting customers.
4.	Study practices involved in the sale and financing of a motor vehicle, including conditional delivery, negative equity, and retirement of existing debt on vehicle trade-in.
5.	Study whether the state financial regulatory agencies should assist consumers in the investigation and correction of credit card billing errors.
6.	Assess the extent of consumer protections in state regulations of short-selling of commodities, with a particular emphasis on the state's enforcement authority and ways to ensure reliability in the short-selling market.
7.	Examine the practice of marketing variable annuities and determine whether certain sales practices constitute fraud.
8.	Monitor the agencies and programs under the committee's jurisdiction.
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 Urban Affairs
Title:	Interim Report
Library Catalog Title:	House Committee on Urban Affairs, Texas House of Representatives interim report, 2006 : a report to the House of Representatives, 80th Texas Legislature
Subjects:	Affordable housing | Food safety | Foreclosures | Homeownership | Housing and Community Affairs, Texas Department of | Houston, Texas | Low Income Housing Tax Credit program | Mobile food vendors | Mortgages | Private activity bonds | Rural issues | Subprime lending | Substandard housing |
Library Call Number:	L1836.79 Ur1
Session:	79th R.S. (2005)
Online version:	View report [70 pages  File size: 12,788 kb]
Charges:	This report should address the charges below.
1.	Evaluate the alternative approaches and implications of short-term restrictions on new construction in Houston, Dallas-Fort Worth and Austin for the Texas Department of Housing and Community Affairs 4 percent tax credit-private activity bond program as well as its 9 percent tax credit program.
2.	Consider the implications of eliminating the lottery system for allocating 4 percent housing tax credit awards through the state's Private Activity Bond Program and replacing it with an alternative allocation system.
3.	Examine the home ownership rate for low-income Texans, and recommend suggestions on how home ownership rates can be improved for underserved populations.
4.	Compare and contrast Texas Department of Housing and Community Affairs administration of the Housing Tax Credit program with best practices around the country.
5.	Review the manner and procedures for the determination by the Texas Department of Housing and Community Affairs of the annual Low Income Housing Tax Credits statewide including the 4 percent and 9 percent housing tax credit programs.
6.	Evaluate the effectiveness of current underwriting methods of Texas Department of Housing and Community Affairs for its programs.
7.	Examine municipal regulation of mobile food vending vehicles.
8.	Monitor the agencies and programs under the committee's jurisdiction.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2002 : a report to the House of Representatives, 78th Texas Legislature.
Subjects:	Agriculture | Banks and banking | Business loans | Consumer credit and debt | Credit service organizations | Gramm-Leach-Bliley Act of 1999 | Mortgages | Pawnshops | Privacy | Sale-leaseback agreements |
Library Call Number:	L1836.77 f49h
Session:	77th R.S. (2001)
Online version:	View report [61 pages  File size: 284 kb]
Charges:	This report should address the charges below.
1.	Review the mortgage lending industry in Texas to determine whether the expectations of the Mortgage Broker Licensing Act of 1999 and subsequent related legislation are being met.
2.	Research trends and practices in the sub-prime lending market in Texas and identify any issues of public concern in those markets.
3.	Review the practices of financial institutions to comply with consumer privacy provisions of the Gramm-Leach-Bliley Act, and assess the ease and convenience afforded customers in exercising their choices.
4.	Evaluate the ability of the Texas agricultural community to gain access to capital markets throughout the state. Identify barriers to financing of viable agricultural and value-added enterprises. Review and evaluate the finance programs administered by the Texas Department of Agriculture. (Joint with House Committee on Agriculture and Livestock)
5.	Study the methods currently used to report pawnshop transaction data between pawn shops and law enforcement agencies.
6.	Actively monitor agencies and programs under the committee's oversight jurisdiction.
Committee:	House Urban Affairs
Title:	Interim Report
Library Catalog Title:	House Committee on Urban Affairs, Texas House of Representatives interim report, 2002 : a report to the House of Representatives, 78th Texas Legislature.
Subjects:	Affordable housing | Colonias | Fire Protection, Texas Commission on | Home equity loans | Homeownership | Housing and Community Affairs, Texas Department of | Mortgages | Municipal employees | Organized labor | Welfare-to-work |
Library Call Number:	L1836.77 ur1
Session:	77th R.S. (2001)
Online version:	View report [134 pages  File size: 4,431 kb]
Charges:	This report should address the charges below.
1.	Review the roles of the state and of local public housing authorities in increasing access to housing assistance for the state's poorest families and in supporting families making the transition from welfare to work.
2.	Examine the definition and roles of community housing development organizations (CHDOs) and non-profit housing entities. Assess standards they should meet in order to qualify for set-asides, tax exemptions and other forms of special consideration.
3.	Study the potential for improving the performance of public institutions by fostering cooperative efforts among employees and employers, including the long-standing controversies related to various forms of bargaining by groups that do not advocate the right to strike.
4.	Actively monitor agencies and programs under the committee's oversight jurisdiction, including implementation of sunset legislation, and specifically including requirements to target single family mortgage loans to underserved geographic and economic populations and new Section 8 home ownership initiatives.
Committee:	Senate International Relations, Trade and Technology
Title:	Interim report
Library Catalog Title:	Committee interim report : a report to the 75th Legislature.
Subjects:	Affordable housing | Attorney General of Texas | Border economy | Border environment | Border health | Border issues | Border transportation | Colonias | Consumer credit and debt | Contracts for deed | Housing and Community Affairs, Texas Department of | International trade | Mortgages | North American Free Trade Agreement | Private activity bonds | Real estate development | Sewer service | Wastewater management | Water Development Board, Texas | Water supplies |
Library Call Number:	L1836.74 in9
Session:	74th R.S. (1995)
Online version:	View report [173 pages  File size: 11,680 kb]
Charges:	This report should address the charges below.
1.	Monitor the enforcement of HB 1001, 74th R.S., the colonias bill, and identify any provisions that need to be clarified or strengthened.
2.	Assess the progress of the Texas Water Development Board's "economically distressed areas program" with regards to the number of applications received and the number of water and waste water projects actually implemented in the colonias.
3.	Assess the effect of NAFTA on Texas' infrastructure including transportation, housing, education and the environment, with special attention to its impact along the Texas/Mexico border.
4.	Monitor implementation of, and make recommendations for any needed changes in, legislation passed by the 74th Legislature to address the problems of colonias, specifically SB 336, 74th R.S., SB 1509, 74th R.S., and HB 2726, 74th R.S..
5.	Study and make recommendations regarding methods and programs to expand international trade, with particular focus on the use of technology.
Committee:	House Constitutional Amendments
Title:	Interim Report
Library Catalog Title:	To the speaker and members of the Texas House of Representatives, 68th Legislature : report / of the Consitutional Amendments Committee, Texas House of Representatives, 67th Legislature.
Subjects:	Constitutional amendments | Home equity loans | Mortgages | Political advertising | Primary elections | Voter education | Voter turnout |
Library Call Number:	L1836.67 c766
Session:	67th R.S. (1981)
Online version:	View report [47 pages  File size: 1,569 kb]
Charges:	This report should address the charges below.
1.	Study the concept of numerous resolutions versus single resolutions on ballots submitted to voters.
2.	Should single submissions prove more favorable in response to public education of the issue, determine what impact might be felt if amendments were also submitted at the time of primary elections by both parties holding such elections.
3.	Determine if there is a more clear and concise method to inform voters on proposed legislation via new advertising as it currently exists under law versus other media forms.
4.	Determine the need for expanding the permissible scope of homestead encumbrancing, particularly including secondary financing of the residential homestead.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report of the Financial Institutions Committee, Texas House of Representatives, 67th Legislature.
Subjects:	Affordable housing | Business taxes | Consumer credit and debt | Debt collection | Franchise taxes | Home equity loans | Housing Agency, Texas | Mortgages | Stock investments |
Library Call Number:	L1836.67 f49
Session:	67th R.S. (1981)
Online version:	View report [67 pages  File size: 1,761 kb]
Charges:	This report should address the charges below.
1.	Examine the possibility of allowing home owners to mortgage homesteads.
2.	Study the operation of collection agencies in Texas in order to determine the extent of extortionate and abusive collection tactics.
3.	Study money market funds and their impact on the financial markets of Texas.
4.	Study the Texas Housing Agency's on-going loan program and financial benefits to homeowners to determine if changes need to be made.
5.	Study and report on the feasibility of repealing the present bank shares tax in its entirety and imposing a corporate franchise tax or some other equitable tax on banking corporations doing business in Texas.
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 Human Resources Subcommittee on Consumer Affairs
Title:	Interim Report - Redlining
Library Catalog Title:	Report on redlining : final report / Senate Subcommittee on Consumer Affairs.
Subjects:	Consumer credit and debt | Home improvement loans | Mortgages | Redlining |
Library Call Number:	L1836.65 c765rr
Session:	65th R.S. (1977)
Online version:	View report [62 pages  File size: 2,381 kb]
Charge:	This report should address the charge below.
1.	Study the social and economic impact of the practice of redlining on older neighborhoods. Consider ways to increase the availability of mortgage and home improvement loans in areas where credit is expensive or unavailable. *

* 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.