Bankers' Resource
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Home Equity
Home Equity Information
- Home Equity Q & A
- Home Equity LOC Q & A
- Regulatory Guidance
- Home Equity Rules
- Home Equity Interpretive Letter
- Finance Commission Resources
- Finance Commission – Official Spanish Disclosure (See 7 TAC §153.51(3))
- Office of Consumer Credit Commissioner - FAQs
- Office of Consumer Credit Commissioner – FAQs (Spanish language brochure)
- Texas Department of Banking – Home Equity Modification Advisory Bulletin (2009)
- Texas Department of Banking – Loan Worksheet #10 – Home Equity Lending
- Texas Rules of Civil Procedure Related to Home Equity Loan Foreclosure
Consumer Credit Law
The Texas Credit Title provides for different fees and different late charges depending on the type of loan. This chart provides a quick guide.
Compliance Bulletins Archives
Read the Compliance Bulletins Archives.
CANS
Your bank must register for CANS with the Department of Banking.
Publications
Code of Ethics
IBAT Services and its General Counsel Karen Neeley have made compliance simple for your bank. Code of Ethics is our latest value package offering, including a handbook with plain language explanation of relevant laws and regulations, sample policy, and text of pertinent bulletins, laws, and regulations. As a special bonus, the program includes a CD with the sample policy ready for your bank to customize plus a power point for internal training! Purchase Information.
IBAT Services and its General Counsel Karen Neeley have made compliance simple for your bank. Code of Ethics is our latest value package offering, including a handbook with plain language explanation of relevant laws and regulations, sample policy, and text of pertinent bulletins, laws, and regulations. As a special bonus, the program includes a CD with the sample policy ready for your bank to customize plus a power point for internal training! Purchase Information.
