Texas Finance Code — State Law Reference

The Texas Finance Code is the state law that sets the rules for banks, credit unions, mortgage brokers, and other financial companies doing business in Texas. You can read the full text for free — no account or fee needed.

The Texas Finance Code is a set of state statutes first enacted in 1997. It covers how banks, credit unions, savings associations, mortgage brokers, and money services businesses must operate in Texas. The code spells out rules on lending, interest rates, loan disclosures, debt collection, and licensing. It also describes the state agencies that enforce the rules — including the Finance Commission of Texas, the Texas Department of Banking, and the Office of Consumer Credit Commissioner (OCCC). The full text is organized into titles and chapters so you can jump straight to the topic you need.

Start by identifying your question — for example, 'What can a debt collector legally do?' or 'What does a lender have to disclose?' Then go to the Texas Constitution and Statutes website and open the Texas Finance Code. Use the title and chapter structure to find your topic. Title 2 covers the regulatory agencies that enforce the rules. Title 3 focuses on financial institutions — deposits, loans, investments, and enforcement. You do not need to log in or pay anything to read any section. If legal language is hard to follow, jot down the specific statute number and bring it to a free legal aid service or a Houston-area nonprofit financial counselor for help.

No fixed date

Not location-specific

This resource connects to broader topics like consumer financial rights, predatory lending protections, small-business licensing, and how state regulatory agencies work. Houston residents can pair this with free services from nonprofit credit counselors or legal aid organizations that help interpret state law in plain language.

Texas law gives you real protections when it comes to borrowing money, paying interest, and dealing with debt collectors. Knowing where those rules live — and that you can read them yourself — puts you in a stronger position as a consumer, business owner, or student.