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2 Document(s) [ Subject: Credit%20Union%20Department ]

Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2006
Subjects:	Banks and banking | Consumer Credit Commissioner, Office of | Credit Union Department | Department of Banking, Texas | Finance Commission of Texas | Foreclosures | Fraud | Mortgage brokers | Mortgages | Savings and Loan Department, Texas | Subprime lending |
Library Call Number:	L1836.79 F49h
Session:	79th R.S. (2005)
Online version:	View report [81 pages  File size: 20,202 kb]
Charges:	This report should address the charges below.
1.	Examine the feasibility and impact of consolidating the state financial regulatory agencies which include the Office of the Consumer Credit Commissioner, Texas Department of Banking, Department of Savings and Mortgage Lending (formerly Texas Savings and Loan Department) and the Texas Credit Union Department.
2.	Evaluate predatory lending practices involved with subprime mortgage lending within the state, primarily in the border counties, including: Study the patterns of mortgage fraud and develop statutory changes to reduce incidences of mortgage fraud and punish violators. Study the relationship between mortgage brokers and residential borrowers including: whether or not the mortgage broker is the agent of the residential borrower: the types of disclosures which should be required; and, the sources and nature of compensation.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	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.

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