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34 Document(s) [ Subject: Consumer credit ]

Committee:	House Pensions, Investments, and Financial Services
Title:	Interim Report
Subjects:	Attorney General of Texas | Consumer credit and debt | Consumer Credit Commissioner, Office of | Consumer protection | Employees Retirement System of Texas | Investment of public funds | Pension liabilities | Private retirement systems | Public retirement systems | Small businesses | Teacher health insurance | Teacher Retirement System of Texas |
Library Call Number:	L1836.86 P387
Session:	86th R.S. (2019)
Online version:	View report [42 pages  File size: 2,254 kb]
Charges:	This report should address the charges below.
1.	Monitor the agencies and programs under the Committee's jurisdiction and oversee the implementation of relevant legislation passed by the 86th Legislature. Conduct active oversight of all associated rulemaking and other governmental actions taken to ensure intended legislative outcome of all legislation, including the following: HB 1442, which is the sunset bill for the Office of Consumer Credit Commissioner (OCCC). The legislation contains provisions relating to the regulation of online lenders. Monitor the OCCC's rules regulating the online lending industry. HB 2945, which relates to consumer protection against credit card skimmers. Monitor the Office of the Attorney General’s (OAG) rules, polices, and procedures regulating the payment terminals on motor fuel dispensers and credit card skimmer violations. Examine the process by which the OAG creates, manages, and utilizes the payment fraud fusion center. SB 322, which relates to the evaluation and reporting of investment practices and performances of certain public retirement systems. Examine the process by which state agencies and public retirement systems collaborate on, plan, and implement the structure necessary to perform these evaluations. SB 2224, which relates to requiring a public retirement system to adopt a written funding policy. Examine the process by which state agencies and public retirement systems collaborate on, plan, and implement the structure necessary to create sound and practical funding policies.
2.	Monitor the Teacher Retirement System's (TRS) actions in implementing high deductible regional plans for certain school districts interested in providing alternatives to the current TRS Active Care options.
3.	Study pension plan and personal retirement savings options for small businesses in order to be competitive with state and larger employers.
4.	Review and evaluate the actuarial soundness of the Employees Retirement System and TRSpension funds. Examine the cost of and potential strategies for achieving and maintaining the actuarial soundness of the funds. Examine the effect the unfunded liabilities could have on the state's credit. Examine the state's investment policies and practices, including investment objectives, targets, disclosure policies, and transparency. (Joint charge with the House Committee on Appropriations)
5.	Monitor the State Auditor's review of agencies and programs under the Committee's jurisdiction. The Chair shall seek input and periodic briefings on completed audits for the 2019 and 2020 fiscal years and bring forth pertinent issues for full committee consideration.
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, April 24, 2018 (cryptocurrency and blockchain, credit bureau security breach, sandbox regulation)
Library Call Number:
Session:	85th R.S. (2017)
Online version:	View document [99 pages  File size: 4,693 kb]
Committee:	House Business and Industry
Title:	Interim Report
Subjects:	Automobile repairs | Consumer credit and debt | Consumer Credit Commissioner, Office of | Electronic security | Employees | Identity theft | Independent contractors | Liens | Theft | Wages | Workers' compensation | Workforce | Workforce Commission, Texas |
Library Call Number:	L1836.83 B964
Session:	83rd R.S. (2013)
Online version:	View report [66 pages]
Charges:	This report should address the charges below.
1.	Study the voluntary nature of workers' compensation in Texas and how it meets the needs of employers and employees.
2.	Review existing lien laws in Texas. Specifically: a. Examine laws concerning the enforcement of contract liens affecting real property. Identify improvements, if any, that will enhance the certainty of title following sale, enhance ability to ensure that sales are conducted by qualified trustees, prevent unnecessary litigation, facilitate loss mitigation between borrowers and sellers, and protect the interests of homeowners, lenders and trustees. b. Study the imposition of mechanics' liens on automobiles and its impact on mechanics, car owners and purchasers, and lenders. c. Review ad valorem tax lien lending after the implementation of SB 247, 83rd R.S. and the impact on homeowners, taxing authorities, mortgage lenders, and tax lien lenders. Review the procedures and powers of the Office of Consumer Credit Commissioner to ensure compliance with SB 247.
3.	Study the impact of SB 1024,82 R.S. on wage theft and law enforcement's and regulatory agencies' responses to wage theft claims. Recommend changes if necessary.
4.	Examine the issue of misclassifying employees as independent contractors on workers, employers, income tax withholding, and the unemployment insurance system. Review current statutory deterrents, including those equired by HB 2015, 83rd R.S., and make recommendations for changes if necessary.
5.	Study the impact of credit card data theft and other credit or privacy information theft on Texas consumers and businesses.
6.	Conduct legislative oversight and monitoring of the agencies and programs under the committee’s jurisdiction and the implementation of relevant legislation passed by the 83rd Legislature. In conducting this oversight, the committee should: a. consider any reforms to state agencies to make them more responsive to Texas taxpayers and citizens; b. identify issues regarding the agency or its governance that may be appropriate to investigate, improve, remedy, or eliminate; c. determine whether an agency is operating in a transparent and efficient manner; and d. identify opportunities to streamline programs and services while maintaining the mission of the agency and its programs.
Supporting documents
Committee:	House Business and Industry
Title:	Committee meeting handouts and testimony, March 27, 2014 (Texas economy, oil and gas industry, credit card data theft)
Library Call Number:
Session:	83rd R.S. (2013)
Online version:	View document [84 pages  File size: 18,486 kb]
Committee:	House Business and Industry
Title:	Committee meeting handouts and testimony, May 27, 2014 (Existing lien laws: automobile mechanics liens, property tax liens, contractors liens, foreclosure process; wage theft)
Library Call Number:
Session:	83rd R.S. (2013)
Online version:	View document [218 pages  File size: 18,200 kb]
Committee:	Senate Business and Commerce
Title:	Interim Report
Subjects:	Alternative energy | Broadband infrastructure | Building codes | Consumer credit and debt | Consumer Credit Commissioner, Office of | Credit service organizations | Droughts | Electric meters | Electric power plants | Electric Reliability Council of Texas | Electric utilities | Electric utility deregulation | Electricity supplies | Electricity transmission and distribution | Environmental Protection Agency, U.S. | Homeowners insurance | Insurance, Texas Department of | Job training programs | Lifeline | Municipally-owned utilities | Occupational licenses | Rural areas | Subprime lending | Telecommunications | Telecommunications deregulation | Texas Windstorm Insurance Association | Universal Service Fund | Water and wastewater utility rates and charges | Workforce |
Library Call Number:	L1836.83 B963
Session:	82nd R.S. (2011)
Online version:	View report [222 pages]
Charges:	This report should address the charges below.
1.	Study the impact of drought, regulatory changes proposed by the Environmental Protection Agency, and changing market conditions on Texas' electrical market. Make recommendations, if needed to ensure continued access to reliable and affordable electricity. *
2.	Assess the impact of extreme drought conditions on electric generation capacity.
3.	Identify those regions of Texas that will be most affected by a lack of capacity.
4.	Analyze response plans and make recommendations to improve and expedite those plans.
5.	Study and make recommendations for workforce training programs in Texas to ensure that such programs meet business and worker needs. Specifically, study whether such programs target economic growth areas and future workforce needs of the health care, skilled trades, construction, manufacturing, aerospace, and information technology industries and help retain workers in those trades and fields.
6.	Study the state's approach to licensing and regulation of occupations to ensure protection of public welfare, trust, health, and safety and eliminate unnecessary, overly restrictive, or anti-competitive regulation. Review guidelines and other states' approaches for determining when regulation is necessary and make recommendations for improving Texas' regulatory system.
7.	Conduct a broad review of the Texas homeowners insurance market and make recommendations to improve transparency and consumer education, ensure fair practices, and lower rates. Specifically, consider the following: Compare Texas' homeowners insurance premiums with those of other states and identify the factors underlying Texas' premium levels and recommend steps that the Legislature may take to reduce homeowners' rates, if appropriate; Study strategies that increase awareness of state insurance resources to help consumers compare rates and coverage among various insurance providers Study the relationship between insurance premiums and construction costs, especially as associated with recovery from natural disasters, to ensure that consumers are treated fairly; Review the use by insurers, in rating and underwriting decisions, of customer inquiries regarding the general terms or conditions of, or coverage offered under, an insurance policy.
8.	Study the relationship between city governments and municipally-owned utilities, including any duplicative or redundant functions, the amounts and justifications required for transfer payments between the entities, and the benefits and disadvantages of alternative governance structures.
9.	Analyze the state of the telecommunications market in Texas, including the costs and benefits of full deregulation of the market; the impact and viability of the Texas Universal Service Fund and Provider of Last Resort requirements; the impact of SB 980, Regular Session, 82nd Legislature, relating to telecommunications regulation and rulemaking; the availability of broadband; telecommunications service discounts; and rights-­of-way charges. Make recommendations to enhance services, support the industry, and ensure adequate and affordable access for consumers.
10.	Review current and pending ERCOT protocols as they apply to all generation technology, and identify those protocols that may provide operational, administrative, or competitive advantages to any specific generation by fuel type. Consider the impact any revisions to the protocols may have on grid reliability and electricity rates. Make recommendations for revisions or statutory changes to limit distortions in the Texas electrical market.
11.	Monitor the implementation of legislation addressed by the Senate Committee on Business & Commerce, 82nd Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation. Specifically, review the implementation of HB 2592 and HB 2594 relating to payday lending, and make recommendations relating to consistency and coordination with local ordinances and federal law.
12.	Study whether advanced meters, or smart meters, that have been, and will be, installed in Texas have harmful effects on health. Report findings on whether an independent testing company perform an analysis on the safety of advanced meters should be commissioned and the appropriate organization to conduct such a study.
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 State Affairs
Title:	Interim Report
Subjects:	Consumer credit and debt | Eminent domain | Employee Retirement Income Security Act of 1974 | Employees Retirement System of Texas | Federal government | Firefighters | Forest Service, Texas A&M | Health insurance | Health insurance exchanges | Liability | Medicaid | Military personnel | Municipalities | Patient Protection and Affordable Care Act | Peace officers | Primary elections | Property rights | Public retirement systems | Public Safety, Texas Department of | State employee benefits | State employee turnover | States' rights | Statutes of limitation | Teacher Retirement System of Texas | Voting by mail | Voting systems | Wildfires | Workers' compensation | Zoning |
Library Call Number:	L1836.82 St29a
Session:	82nd R.S. (2011)
Online version:	View report [177 pages]
Charges:	This report should address the charges below.
1.	Study the policies and actions the State can pursue to preserve state authority and protect Texas citizens from federal overreach in the form of conditional federal grants, conditional federal preemption, and excessive legislation and regulation interfering with states' enumerated powers by Congress.
2.	Examine the Texas Workers' Compensation system and make recommendations for changes to meet the needs of Texas employers and employees. Specifically, review the following: the dispute resolution process and benefits available from employers that do not subscribe to workers compensation; the adequacy of income benefits in the workers’ compensation system, specifically on high?wage earners receiving the maximum compensation rate; identify and report on fatalities in the Workers’ Compensation System, including the amount of death and burial benefits paid to beneficiaries and the Subsequent Injury Fund since 2000; the return-­to-­work numbers and results for injured employees in the Workers’ Compensation System that are referred to the Department of Assistive and Rehabilitative Services.
3.	Study the feasibility and fiscal impact to consumers of altering the insurance code to allow for the purchase of health insurance across state lines.
4.	Monitor the potential impact of the Patient Protection and Affordable Care Act (PPACA) on insurance regulations, Medicaid and CHIP, health care outcomes and overall health of all Texans, and the state budget in Texas. Additionally, monitor the current constitutional challenges to PPACA and other court cases associated with PPACA, and ensure that the state does not expend any resources until judicial direction is clear. (Joint charge with Senate Health & Human Services Committee)
5.	Study and make recommendations on statutory provisions and judicial decisions relating to the statute of limitations on a cause of action relating to consumer debt.
6.	Examine establishing a workforce retention program or deferred retirement option plan (DROP) for Texas Department of Public Safety commissioned peace officers and whether any plan can be built with actuarially sustainable factors while meeting the needs of officers.
7.	Examine the feasibility of implementing Health Reimbursement Accounts and Medicare exchanges for Medicare eligible participants currently covered by and receiving health coverage through the Employees Retirement System, the Teachers Retirement System, the University of Texas, and Texas A&M University. Identify any cost savings to the state and to retirees that would occur under such a plan.
8.	Consider the costs and benefits of the creation of liability protection for private companies and individuals when commissioned by the Texas Forest Service to assist in fighting a fire that is not on the company's or individual's own land. Examine whether state policy should prohibit an employer from terminating an employee who is a volunteer firefighter on the grounds that the employee missed work because the employee was responding to an emergency. Identify any appropriate limitations that should apply to such a policy.
9.	Examine the effectiveness of the Private Real Property Rights Preservation Act (Chapter 2007, Government Code), and whether it should apply to municipalities.
10.	Monitor the implementation of legislation addressed by the Senate Committee on State Affairs, 82nd Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation. Specifically, monitor the following: implementation of SB 100, relating to the implementation of the MOVE Act, and the impact on local and statewide elections and military voters; implementation of the Interstate Health Care Compact.
Committee:	Senate Jurisprudence
Title:	Interim Report
Library Catalog Title:	Report to the 82nd Legislature
Subjects:	Adult Protective Services | Aging and Disability Services, Texas Department of | At-risk youth | Child custody | Consumer credit and debt | Credit service organizations | Guardianship | Parents | Personally identifiable information |
Library Call Number:	L1836.81 J979
Session:	81st R.S. (2009)
Online version:	View report [36 pages  File size: 932 kb]
Charges:	This report should address the charges below.
1.	Study the effectiveness of current regulation and practices of debt management providers in Texas, including credit service organizations, and assess the extent to which individuals' estates are protected in transactions with debt management providers. Make recommendations to enhance protections.
2.	Study the guardianship program implemented by the Department of Aging and Disabilities and the Department of Adult Protective Services, including the efficiency and effectiveness of the program, the relationship between the two agencies, the appropriate rights for parents, and whether clients and their assets are adequately protected.
3.	Study and make recommendations to promote and enable confidential information sharing among state agencies and courts serving at-risk children and youth to ensure that comprehensive and appropriate services are being provided. The study should focus on the technological, legal, and fiscal barriers that prevent information sharing among these entities regarding affected children and youth.
4.	Evaluate the voluntary relative placement process in issues of guardianship and the ability of nonparent relatives to make decisions for children under their care. Monitor the progress and implementation of SB 1598 relating to an agreement authorizing a nonparent relative of a child to make certain decisions regarding the child.
5.	Monitor the implementation of legislation addressed by the Senate Committee on Jurisprudence, 81st Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation.
Committee:	House Pensions, Investments, and Financial Services
Title:	Interim Report
Library Catalog Title:	House Committee on Pensions, Investments, and Financial Services, Texas House of Representatives interim report, 2010 : a report to the House of Representatives, 82nd Texas Legislature
Subjects:	Consumer credit and debt | Economic development | Public retirement systems | School administration | Teacher retirement |
Library Call Number:	L1836.81 P387
Session:	81st R.S. (2009)
Online version:	View report [37 pages  File size: 868 kb]
Charges:	This report should address the charges below.
1.	Study the impact of the debt relief industry, including debt management and debt settlement organizations, and the implications of regulating that industry.
2.	Examine Texas school districts' administration of their employees' optional retirement investments.
3.	Review and study the overall history, goals, and performances of the state's economic development program, Certified Capital Company. Identify and recommend changes as necessary.
4.	Examine the performance and accountability of the Texas public pension funds and make recommendations as needed.
5.	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, 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 Border and International Affairs
Title:	Interim Report
Library Catalog Title:	House Committee on Border and International Affairs, Texas House of Representatives interim report, 2004 : a report to the House of Representatives, 79th Texas Legislature
Subjects:	Border economy | Border education | Border health | Border issues | Border transportation | Consumer credit and debt | Higher education | Job training programs | Mexico | Subprime lending | U.S. - Mexico Water Treaty of 1944 |
Library Call Number:	L1836.78 B644h
Session:	78th R.S. (2003)
Online version:	View report [81 pages  File size: 4,001 kb]
Charges:	This report should address the charges below.
1.	Identify specific areas of government effort that are lacking in coordination and develop strategies to improve communications between agencies of state government, the state and the federal government and between the Texas and Mexico governments.
2.	Assess the feasibility of collaborative scientific and technological research projects between Texas and Mexico universities.
3.	Identify areas of health care need that specifically affect the border region or that disproportionately affect the border region, and develop strategies to improve conditions and reduce demand on the health care system.
4.	Monitor the dispute on Mexico's water debt. Explore ways to continue planning cooperation of sister cities for water and waste water.
5.	Assess job training and retraining efforts in border areas and identify needs and solutions specific to this region of the state.
6.	Study the issues relating to lending practices on the border, including the prevalence of subprime and predatory lending along the border.
7.	Review and study all existing legislation affecting the development of transportation infrastructure in areas adjacent to the Texas-Mexico border. Study international trade issues as they relate to transportation, the adequacy of existing infrastructure to facilitate international traffic related to trade, the potential for development of inter-modal hubs and other mixed use facilities which promote more efficient trade and economic development, and the opportunities for contracting with Mexico or any of the Mexican states for joint development of transportation infrastructure. (Joint interim charge with House Transportation Committee.)
8.	Monitor agencies and programs under the committee's jurisdiction.
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:	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:	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:	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:	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:	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:	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:	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 State Affairs
Title:	Interim report
Library Catalog Title:	Committee on State Affairs, Texas House of Representatives interim report, 1994 : a report to the House of Representatives, 74th Texas Legislature.
Subjects:	Consumer credit and debt | Consumer protection | Databases | Internet | Open government | Open records requests and decisions | Public information | Public Information Act, Texas | Public Utility Commission of Texas | Public Utility Regulatory Act | Rental companies | Sale-leaseback agreements | State agency mandated reports | Websites |
Library Call Number:	L1836.73 st29
Session:	73rd R.S. (1993)
Online version:	View report [103 pages  File size: 3,584 kb]
Charges:	This report should address the charges below.
1.	Conduct active oversight of agencies under the committee's jurisdiction, including a study of mandated reports to the legislature and legislative agencies. The study should consist of a review of the legislative reporting requirements of all agencies to identify areas where reporting obligations could be streamlined and agency accountability improved. The committee shall make specific recommendations about the continuation, modification or elimination of required legislative reports.
2.	Consider revisions to the Open Records Act to clarify its meaning and utility in light of the number of information files now maintained on computers.
3.	Study the feasibility of a consolidated Texas state government database to improve electronic access to legislative information, information maintained by state agencies, the Texas Register and other information of public interest and importance.
4.	Examine the laws related to consumer finance and installment purchases to determine whether changes in the laws, their interpretation or enforcement are necessary to protect the public interest.
5.	Evaluate the public benefits of requiring the Public Utilities Commission to grant incentive rates of return to electric and telecommunications utilities that exceed certain efficiency thresholds, and to levy a rate of return penalty on utilities that fail to achieve established efficiency standards.
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 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 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:	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. *
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. *
Supporting documents
Committee:	Senate Consumer Protection
Title:	Minutes, Summary of Testimony, Committee Documentation, June 12, 1972, Waco
Library Catalog Title:	Minutes
Library Call Number:	L1836.62 C766M 6/72
Session:	62nd R.S. (1971)
Online version:	View document [23 pages  File size: 621 kb]
Committee:	Senate Consumer Protection
Title:	Transcript, July 20, 1972, San Antonio
Library Catalog Title:	Minutes
Library Call Number:	L1836.62 C766M 7/20/72
Session:	62nd R.S. (1971)
Online version:	View document [37 pages  File size: 18,774 kb]
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.

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