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Committee: House Financial Institutions
Title: Interim Report
Library Catalog Title: House Committee on Financial Institutions, Texas House of Representatives interim report, 2008
Subjects: Automobiles | Consumer credit and debt | Consumer protection | Financial investments | Foreclosures | Fraud | Funeral industry | Marketing | Mortgage brokers | Mortgages |
Library Call Number: L1836.80 F49h
Session: 80th R.S. (2007)
Online version: View report [70 pages  File size: 10,026 kb]
Charges: This report should address the charges below.
1. Monitor federal rules and regulations on lending and determine the state's role in regulating issues that relate to the mortgage foreclosure process, disclosures for loan terms, home equity, mortgage brokers, mortgage bankers, consumer protections, and counseling for mortgage products.
2. Monitor the implementation of HB 716, 80th R.S., to determine if there is a need to further legislate the protection of homebuyers in mortgage fraud schemes, emphasizing the impact in the foreclosure process.
3. Study the adequacy and effectiveness of existing regulation of prepaid funeral benefits that are funded by insurance or annuity products and make recommendations for statutory changes necessary to further strengthen the regulatory system for protecting customers.
4. Study practices involved in the sale and financing of a motor vehicle, including conditional delivery, negative equity, and retirement of existing debt on vehicle trade-in.
5. Study whether the state financial regulatory agencies should assist consumers in the investigation and correction of credit card billing errors.
6. Assess the extent of consumer protections in state regulations of short-selling of commodities, with a particular emphasis on the state's enforcement authority and ways to ensure reliability in the short-selling market.
7. Examine the practice of marketing variable annuities and determine whether certain sales practices constitute fraud.
8. Monitor the agencies and programs under the committee's jurisdiction.

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