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9 Document(s) [ Subject: Subprime lending ]

Committee:	House Investments and Financial Services
Title:	Interim Report
Subjects:	Banks and banking | Business climate | Consumer Credit Commissioner, Office of | Credit service organizations | Elder abuse | Electronic security | Financial investments | Fraud | Loans | Senior citizens | Subprime lending |
Library Call Number:	L1836.84 IN9
Session:	84th R.S. (2015)
Online version:	View report [68 pages]
Charges:	This report should address the charges below.
1.	Study the current state of cybersecurity of financial institutions in Texas. Review state and federal laws, and evaluate what additional steps need to be taken to make financial institutions in Texas more secure.
2.	Examine the short-term lending industry in Texas. Study the adequacy of consumer access to credit and the effectiveness of consumer protections, specifically reviewing the consistency and coordination of state law with federal law and local ordinances. Review data-reporting requirements for credit-access businesses and make appropriate recommendations.
3.	Evaluate what policies are currently in place to prevent the financial exploitation and financial abuse of aging Texans, and determine what changes need to be made to strengthen protections for this vulnerable population.
4.	Study the impact on local communities when community banks are consolidated and how this changes the landscape of banking in Texas. Evaluate how the state can help expand charter opportunities in Texas.
5.	Examine the current investment climate and resources available to businesses in Texas. Analyze the effectiveness of existing programs and whether current investment tools are bringing new businesses and new jobs to Texas, and determine whether the current programs are helping established businesses in Texas create jobs. Identify barriers to investment opportunities faced by businesses and investors. This analysis should include but not be limited to: angel investing, crowdfunding, micro-lending, private equity, venture capital, and mezzanine investing. Make appropriate recommendations to ensure investment tools in Texas continue to evolve to help bring jobs to Texas and meet the needs of new and existing businesses in Texas.
6.	Conduct legislative oversight and monitoring of the agencies and programs under the committee's jurisdiction and the implementing of relevant legislation passed by the 84th Legislature. In addition to general oversight, the Committee should specifically: 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 Investments and Financial Services
Title:	Committee meeting handouts and testimony, September 14, 2016 (Short term lending)
Library Call Number:
Session:	84th R.S. (2015)
Online version:	View document [142 pages  File size: 6,951 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:	Senate International Relations and Trade
Title:	Interim Report
Library Catalog Title:	Interim report to the 82nd Legislature
Subjects:	Affordable housing | Bootstrap Self-Help Housing Program | Border crossings | Border economy | Colonias | Contracts for deed | Economic development | International trade | Job training programs | Land use regulations | North American Free Trade Agreement | Sewer service | Subprime lending | Substandard housing | Tourism |
Library Call Number:	L1836.81 IN9
Session:	81st R.S. (2009)
Online version:	View report [85 pages  File size: 6,581 kb]
Charges:	This report should address the charges below.
1.	Review the effectiveness of the Coordination of Colonia Initiatives and related measures addressed by the Committee and develop recommendations to better address substandard communities across the state where no potable water or sewage services are provided. Review state and local laws and policies relating to development and growth in unincorporated regions of the state and develop recommendations aimed at providing local units of government the necessary local control tools to curtail the spread of colonia-like developments in their jurisdictions.
2.	Examine effectiveness of state homeownership programs serving colonia residents. Study the need for contract for deed conversions in the colonias within 150 miles of the Texas/Mexico border. Examine existing statute regarding statewide distribution of the Texas Bootstrap Loan Program and recommend changes to increase the state's ability to expedite allocation of funds. Develop recommendations to address abusive lending practices in distressed areas and fair housing violations in the colonias.
3.	Study and make recommendations for state actions to increase efficiencies and reduce wait times in crossing the Texas-Mexico border, while ensuring proper security. Review initiatives to maximize bridge-crossing revenue.
4.	Assess Texas' trade-related programs and work with the appropriate state and federal agencies to develop initiatives that will increase NAFTA-related commerce in Texas. Make recommendations to encourage communities currently unable to participate in international trade, due to their lack of resources and capacity, to engage in such trade.
5.	Review the state's efforts aimed at helping distressed areas, coastal regions and rural communities to compete in the international marketplace. Work with the appropriate state and federal agencies to develop recommendations to create initiatives that will build regional development and capacity with the goal of better facilitating trade and commerce, as well as tourism, in these communities.
6.	Review the state's efforts and policies aimed at addressing the workforce training needs of trade-displaced citizens. Report on the effectiveness of these programs and develop recommendations to better assist hard to reach populations in distressed areas, including Spanish-predominant speaking displaced citizens along the Texas-Mexico border region.
7.	Monitor the implementation of legislation addressed by the Senate Committee on International Relations and Trade, 81st Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation. Review the housing initiatives addressed by the Committee and work with the appropriate housing officials to develop recommendations to better address the housing needs of smaller and distressed communities in Texas. Develop recommendations for the cost-effective use of existing housing monies, leveraging of funds and initiatives for new funding sources.
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:	Senate Veteran Affairs and Military Installations
Title:	Interim Report
Library Catalog Title:	The Senate Committee on Veteran Affairs and Military Installations report and recommendations to the 80th Texas Legislature
Subjects:	Dental care | Fort Bliss | Job training programs | Military personnel | Subprime lending | Veterans | Veterans cemeteries | Veterans Commission, Texas | Veterans health care | Veterans homes | Voting by mail | Voting rights | Workforce Commission, Texas |
Library Call Number:	L1836.79 V641
Session:	79th R.S. (2005)
Online version:	View report [44 pages  File size: 2,250 kb]
Charges:	This report should address the charges below.
1.	Examine issues and problems with overseas military voting and explore the possibility of establishing a single point of contact for Texas military voters. Consider requirements of the federal Uniformed and Overseas Citizen Absentee Voting Act and review systems established in other states.
2.	Compile an inventory of state veterans' benefits, including health care facilities and nursing homes across the state, the state veteran cemetery system, job training programs, educational benefits, and re-employment rights issues, and the Texas Veterans Land Board Loan Programs, and make recommendations for improving efficiency and effectiveness.
3.	Monitor the implementation legislation transferring the veteran employment programs under the Texas Workforce Commission to the Texas Veterans Commission. Monitor the implementation of legislation establishing a database in the Texas Higher Education Coordinating Board that tracks veterans' usage of the Hazlewood higher education tuition exemption.
4.	Examine other issues facing the 80th Legislature, such as oral health of guardsmen and reservists, Ellington Field and Fort Bliss, predatory lending, TRICARE provider shortages, business and employment issues for veterans, and the need for a VA hospital in the Rio Grande Valley.
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:	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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