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14 Document(s) [ Subject: Home equity loans ]

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 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:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2000 : a report to the House of Representatives, 77th Texas Legislature.
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
Session:	76th R.S. (1999)
Online version:	View report [77 pages  File size: 139 kb]
Charges:	This report should address the charges below.
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
Title:	Interim report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 1998 : a report to the House of Representatives, 76th Texas Legislature.
Subjects:	Automated teller machines | Banks and banking | Federal government | Home equity loans |
Library Call Number:	L1836.76 F49H
Session:	75th R.S. (1997)
Online version:	View report [28 pages  File size: 972 kb]
Charges:	This report should address the charges below.
1.	Conduct active oversight of the agencies under the committee's jurisdiction.
2.	Review the fees charged and availability of automated teller machines (ATM's).
3.	Study the effects of the state opting into, or remaining out of, the federal interstate banking system under the Riegle-Neal Act. Include a detailed review of the potential franchise tax impact, if interstate branch banking is permitted in Texas.
4.	Monitor federal banking reform initiatives to see that state interests in the regulation of financial institutions and insurance companies are protected. (Joint with the House Committee on Insurance)
5.	Subject to passage of the constitutional amendment, monitor actions of the lending industry, the Finance Commission, and the Office of Consumer Credit to implement home equity lending.
Committee:	Senate State Affairs, Interim
Title:	Interim report - Home Equity
Library Catalog Title:	Report to the 76th Legislature : charge five, implementation of the constitutional ammendment allowing home equity lending in Texas.
Subjects:	Consumer credit and debt | Home equity loans | Home improvement loans |
Library Call Number:	L1836.75 st29a 5
Session:	75th R.S. (1997)
Online version:	View report [75 pages  File size: 3,147 kb]
Charge:	This report should address the charge below.
1.	Monitor the implementation of HJR 31, 75th R.S., and approved by the voters, to allow home equity loans under certain conditions and restrictions. If necessary the committee should make recommendations for legislative or regulatory action.
Committee:	Senate Home Equity Lending, Interim
Title:	Interim report
Library Catalog Title:	Final report of the Senate Interim Committee on Home Equity Lending.
Subjects:	Consumer credit and debt | Home equity loans | Home improvement loans |
Library Call Number:	L1836.73 h88me
Session:	73rd R.S. (1993)
Online version:	View report [48 pages  File size: 2,097 kb]
Charge:	This report should address the charge below.
1.	Study the feasibility, desirability and economic benefits, if any, of allowing home equity lending in Texas. Make recommendations regarding whether Texas' statutes or constitutional provisions relating to the homestead should be amended.
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 Financial Institutions
Title:	Interim report
Library Catalog Title:	Interim report of the House Financial Institutions Committee, Texas House of Representatives, 70th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Consumer Credit Commissioner, Office of | Financial investments | Franchise taxes | Fraud | Home equity loans | Liens | Public Funds Investment Act | Savings and Loans | Tax deductions |
Library Call Number:	L1836.70 f49
Session:	70th R.S. (1987)
Online version:	View report [89 pages  File size: 2,838 kb]
Charges:	This report should address the charges below.
1.	To study the need to clarify and consolidate existing statutes governing the investment of public funds by local and regional governmental entities; and to study the advisability of expanding the investment option of local governments and institutions of Higher Education.
2.	To study the problems of unenforceable second liens on a homestead.
3.	To study the extent and public benefits of state regulatory authority over the savings and loan industry.
4.	To study the equity of imposing the state franchise tax on both a bank holding company and the individual banks and the feasibility of amending state law to resolve the issue.
5.	To study the lending practices and procedures of institutions and individuals that contribute to fraud, abuse and deception in the buying and selling of retail installment contracts.
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 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.
Supporting documents
Committee:	Senate State Affairs
Title:	SR 774
Library Call Number:	SR 774
Session:	67th R.S. (1981)
Online version:	View document [3 pages  File size: 781 kb]

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