Texas Finance Code — State Law Text

The Texas Finance Code is the official state law that governs banks, credit unions, loans, interest rates, and your rights as a financial consumer in Texas. It is free to read anytime through the Texas Legislature's public website.

The Texas Finance Code is organized into five main titles. Title 1 covers general provisions. Title 2 explains financial regulatory agencies, including the Finance Commission of Texas and the Texas Department of Banking. Title 3 covers financial institutions such as state banks, savings banks, credit unions, and trust companies. Title 4 addresses interest rates, loans, and financed transactions. Title 5 focuses on protecting consumers of financial services, including debt collection rules. The full text is public and free — no account or payment needed.

Start by identifying the topic that applies to your situation. If you received a confusing loan offer, look at Title 4 on interest and loans. If a debt collector contacted you, Title 5 on consumer protections is a good starting point. The law is written in legal language, so consider reading alongside a plain-language summary from a nonprofit legal aid group if you need help interpreting what you find. Houston residents can also reach out to local legal aid organizations for guidance.

No fixed date

Not location-specific

This resource connects to broader topics like consumer financial rights, predatory lending awareness, credit union membership, and debt collection rules — all relevant to everyday financial decisions Houstonians face.

Knowing this law exists — and what it covers — can help you understand your rights when dealing with banks, lenders, debt collectors, or credit unions here in Texas. Whether you are disputing a fee, researching a loan, or just curious about how financial rules work, this is the official source.