Residential Disclosures From Sellers And Lenders Page 49
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100Residential Disclosures From Lenders
TABLE OF CONTENTS
RESIDENTIAL DISCLOSURES FROM LENDERS
I. INTRODUCTION AND SCOPE…………………………………………………………………………
II. TEXAS DISCLOSURES
A. Texas Statutes
1. Business & Commerce Code
a. Chapter 9-Secured Transactions
Section 9.334(h) ………………………………………………………………………….…
b. Chapter 26-Statute of Frauds
1) Section 26.02(e)………………………………………………………………………..…
2) Section 26.02(g)……………………………………………………………………..……
c. Chapter 39-Cancellation of Certain Consumer Transactions
Section 39.004 Notice By Merchant…………..
2. Finance Code
a. Chapter 14-Consumer Credit Commissioner
Sec. 14.104………………………………………………………………………………..…
b. Chapter 156-Mortgage Brokers
1) Sec.156.004.Mortgage Broker/Loan Officer Disclosure…………………………..………
2) Sec.156.303 (13) Disclosure of Multiple Roles in a Consumer Real Estate Transaction…
c. Chapter 303-Optional Rate Ceilings
Sec. 303.015 Variable Rate…………………………………………………………………
d. Chapter 307-Collateral Protection Insurance
Sec.307.052…………………………………………………………………………………...
e. Chapter 342-Consumer Loans
1) Sec. 342.152 License Display………………………………………………………………
2) Sec. 342.404 Insurance Notice………………………………………………………….…..
3) Sec. 342.451 Delivery of Information to Borrower …………………………………
4) Sec. 342.452 Receipt for Cash Payment…………………………………………………
5) Sec. 342.505 Disclosure of Amount Financed and Schedule of Payments…………….
f. Chapter 343-Home Loans
Sec. 343.104.Restrictions on Single Premium Credit Insurance……….…
3. Insurance Code
Article 21.50 Mortgage Guaranty Insurance………………………………....
4. Property Code
a. Chapter 11-Provisions Generally Applicable To Public Records
Sec. 11.008 Confidential Information in Real Property Records………..
b. Chapter 27-Residential Construction Liability
Sec. 27.007 Disclosure Statement Required…………………………
c. Chapter 41-Interests in Land
Sec. 41.007 Home Improvement Contract………………………………………
d. Chapter 53-Mechanic’s, Contractor’s or Materialman’s Lien
1) Sec. 53.255 Disclosure Statement Required for Residential Contract……………
…
2) Sec. 53.257 Provisions Related to Closing of Loan for Construction of Improvements
of Funds…………
3) Sec. 53.258 Disbursements
e. Chapter 162-Construction Payments, Loan Receipts, and Misapplication of Trust Fund
s
Sec. 162.006 Construction Account Required In Certain Circumstances……………….
B. Texas Constitution
1. Article 16-Section 50 Home Equity-Open [HELOC] and Closed End Notices
a. Subsection (a)(6)(Q)(vi)-Security Instrument Disclosure………………….
b. Subsection (a)(6)(Q)(viii)-Right to Rescind………………………………….
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