"THIS NOTICE IS ONLY A SUMMARY OF YOUR RIGHTS UNDER THE TEXAS CONSTITUTION. (a) General Provisions. 8: See Appendix, Note 3.). (a) The Legislature shall by general laws, authorize the incorporation of state banks and savings and loan associations and shall provide for a system of State supervision, regulation and control of such bodies which will adequately protect and secure the depositors and creditors thereof. Sec. The options were exercisable within a 2-year period beginning January 1, 2018, if the grantee is still employed by the company at the time of the exercise. Sec. Sec. (3) the lender or holder may not unilaterally amend the extension of credit. (b) In all counties in this State, the Commissioners Courts shall be authorized to determine whether precinct officers shall be compensated on a fee basis or on a salary basis, with the exception that it shall be mandatory upon the Commissioners Courts, to compensate all justices of the peace, constables, deputy constables and precinct law enforcement officers on a salary basis. (ii) if the extension of credit is a home equity line of credit, in periodic payments described under Subsection (t)(8) of this section; (i) the 12th day after the later of the date that the owner of the homestead submits a loan application to the lender for the extension of credit or the date that the lender provides the owner a copy of the notice prescribed by Subsection (g) of this section; (ii) one business day after the date that the owner of the homestead receives a copy of the loan application if not previously provided and a final itemized disclosure of the actual fees, points, interest, costs, and charges that will be charged at closing. (c) The legislature may require review and approval of the issuance of bonds under this section, of the use of the bond proceeds, or of the rules adopted by an agency to govern use of the bond proceeds. Sec. Sec. Every person, corporation, or company, that may commit a homicide, through wilful act, or omission, or gross neglect, shall be responsible, in exemplary damages, to the surviving husband, widow, heirs of his or her body, or such of them as there may be, without regard to any criminal proceeding that may or may not be had in relation to the homicide. Why is the comptroller of public accounts so important to the legislature? 1) Statutory qualifications may vary; contact your local party chair or the Secretary of State. The agenda for special sessions in the Texas legislature are set by the. EXCLUSIONS FROM OFFICE FOR CONVICTION OF HIGH CRIMES. (8) repayment is to be made in regular periodic installments, not more often than every 14 days and not less often than monthly, beginning not later than two months from the date the extension of credit is established, and: (A) during the period during which the owner may request advances, each installment equals or exceeds the amount of accrued interest; and. Hypothetically, what is the maximum number of copies of itself that it can decay into, if there are no other decay products? (f) A temporary acting officer has all the powers, privileges, and duties of the office and is entitled to the same compensation, payable in the same manner and from the same source, as the officer who is temporarily replaced. 30 yr The LLC Transparency Act did not pass last year and was re-introduced in the 2023 legislative section. (a) The conservation and development of all of the natural resources of this State, and development of parks and recreational facilities, including the control, storing, preservation and distribution of its storm and flood waters, the waters of its rivers and streams, for irrigation, power and all other useful purposes, the reclamation and irrigation of its arid, semi-arid and other lands needing irrigation, the reclamation and drainage of its overflowed lands, and other lands needing drainage, the conservation and development of its forests, water and hydro-electric power, the navigation of its inland and coastal waters, and the preservation and conservation of all such natural resources of the State are each and all hereby declared public rights and duties; and the Legislature shall pass all such laws as may be appropriate thereto. Pressley brought up the fact that if Casar is an atheist, the Texas Constitution prohibits him from holding office at all: As someone who's on record saying he doesn't believe in God, Casar . The legislature may provide for the advancement of food and fiber in this state by providing representative associations of agricultural producers with authority to collect such refundable assessments on their product sales as may be approved by referenda of producers. Why is the comptroller of public accounts so important to the legislature? An act or omission does not violate a provision included in those subsections if the act or omission conforms to an interpretation of the provision that is: (1) in effect at the time of the act or omission; and. The Texas State Board of Education is responsible for? (Feb. 15, 1876. "(H) YOU FAIL TO MAINTAIN THE PRIORITY OF THE LENDER'S LIEN ON THE HOME, AFTER THE LENDER GIVES NOTICE TO YOU, BY PROMPTLY DISCHARGING ANY LIEN THAT HAS PRIORITY OR MAY OBTAIN PRIORITY OVER THE LENDER'S LIEN WITHIN 10 DAYS AFTER THE DATE YOU RECEIVE THE NOTICE, UNLESS YOU: "(1) AGREE IN WRITING TO THE PAYMENT OF THE OBLIGATION SECURED BY THE LIEN IN A MANNER ACCEPTABLE TO THE LENDER; "(2) CONTEST IN GOOD FAITH THE LIEN BY, OR DEFEND AGAINST ENFORCEMENT OF THE LIEN IN, LEGAL PROCEEDINGS SO AS TO PREVENT THE ENFORCEMENT OF THE LIEN OR FORFEITURE OF ANY PART OF THE HOME; OR. For such events, audio recordings will be posted to the Senate Audio/Video Archive, as well as the relevant committee pages, as soon as possible. (1) The legislature may enact general laws establishing systems and programs of retirement and related disability and death benefits for public employees and officers. The purpose is to regulate the insurance market in Texas, Authority over railroads throughout Texas was given to the ______ in 2005. Most states dropped these statutes from their constitutions prior to 1880. A LENDER MAY ONLY FORECLOSE A HOME EQUITY LOAN BASED ON A COURT ORDER. In case of vacancy in said office the Governor of the State shall fill said vacancy by appointment until the next general election. (Feb. 15, 1876. (TEMPORARY TRANSITION PROVISION for Sec. Texas Gov. 2: See Appendix, Note 3.). 5) 1 For instance, in Otero v. State Election Board, the Tenth Circuit Court of Appeals found that using a church as a polling place accomplishes the secular purpose of . 13A. BRIBERY AND SOLICITATION OR ACCEPTANCE OF BRIBES. 1. (3) the purchaser is not the lender or assignee under the extension of credit. (Added Nov. 7, 1989; Subsec. (a) and (c) amended and (d)-(f) added Nov. 4, 1986.). (d) added Nov. 7, 1989; Subsec. (8) a requirement that a percentage of the reverse mortgage proceeds be advanced before the assignment of the reverse mortgage. (Added Aug. 24, 1935; amended Nov. 2, 1948, Nov. 7, 1972, and Nov. 2, 1999.) d) Calculate the numerical value of v, in m/s. 5) (5) at any time by the lender, on behalf of the borrower, if the borrower fails to timely pay any of the following that the borrower is obligated to pay under the loan documents to the extent necessary to protect the lender's interest in or the value of the homestead property: (C) costs of repairs or maintenance performed by a person or company that is not an employee of the lender or a person or company that directly or indirectly controls, is controlled by, or is under common control with the lender; (D) assessments levied against the homestead property; and. (i) the owner of the homestead is not required to apply the proceeds of the extension of credit to repay another debt except debt secured by the homestead or debt to another lender; (ii) the owner of the homestead not assign wages as security for the extension of credit; (iii) the owner of the homestead not sign any instrument in which blanks relating to substantive terms of agreement are left to be filled in; (iv) the owner of the homestead not sign a confession of judgment or power of attorney to the lender or to a third person to confess judgment or to appear for the owner in a judicial proceeding; (v) at the time the extension of credit is made, the owner of the homestead shall receive a copy of the final loan application and all executed documents signed by the owner at closing related to the extension of credit; (vi) the security instruments securing the extension of credit contain a disclosure that the extension of credit is the type of credit defined by Subsection (a)(6) of this section; (vii) within a reasonable time after termination and full payment of the extension of credit, the lender cancel and return the promissory note to the owner of the homestead and give the owner, in recordable form, a release of the lien securing the extension of credit or a copy of an endorsement and assignment of the lien to a lender that is refinancing the extension of credit; (viii) the owner of the homestead and any spouse of the owner may, within three days after the extension of credit is made, rescind the extension of credit without penalty or charge; (ix) the owner of the homestead and the lender sign a written acknowledgment as to the fair market value of the homestead property on the date the extension of credit is made; (x) except as provided by Subparagraph (xi) of this paragraph, the lender or any holder of the note for the extension of credit shall forfeit all principal and interest of the extension of credit if the lender or holder fails to comply with the lender's or holder's obligations under the extension of credit and fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the lender's failure to comply by: (a) paying to the owner an amount equal to any overcharge paid by the owner under or related to the extension of credit if the owner has paid an amount that exceeds an amount stated in the applicable Paragraph (E), (G), or (O) of this subdivision; (b) sending the owner a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the percentage described by Paragraph (B) of this subdivision, if applicable, or is not secured by property described under Paragraph (H) of this subdivision, if applicable; (c) sending the owner a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section; (d) delivering the required documents to the borrower if the lender fails to comply with Subparagraph (v) of this paragraph or obtaining the appropriate signatures if the lender fails to comply with Subparagraph (ix) of this paragraph; (e) sending the owner a written acknowledgement, if the failure to comply is prohibited by Paragraph (K) of this subdivision, that the accrual of interest and all of the owner's obligations under the extension of credit are abated while any prior lien prohibited under Paragraph (K) remains secured by the homestead; or, (f) if the failure to comply cannot be cured under Subparagraphs (x)(a)-(e) of this paragraph, curing the failure to comply by a refund or credit to the owner of $1,000 and offering the owner the right to refinance the extension of credit with the lender or holder for the remaining term of the loan at no cost to the owner on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the owner and the lender or holder otherwise agree that comply with this section; and. If the legislature grants a particular corporation an exception from a state law, it is called. (h) In this section, "armed forces of the United States" means the United States Army, the United States Navy, the United States Air Force, the United States Marine Corps, the United States Coast Guard, any reserve or auxiliary component of any of those services, or the National Guard. Sec. The comptroller is responsible for setting the salary and compensation packages for legislators. The requirements for holding office in the Texas legislature 1) are minimal, in keeping with the idea that officeholding should be open to most citizens. The typical Texas legislator is most likely to be a white, affluent businessman For how long does the Texas legislature meet? (1) Notwithstanding any other provision of this section, the system of retirement, disability, and survivors' benefits heretofore established in the constitution or by law for justices, judges, and commissioners of the appellate courts and judges of the district and criminal district courts is continued in effect. (a) No person shall hold or exercise at the same time, more than one civil office of emolument, except that of Justice of the Peace, County Commissioner, Notary Public and Postmaster, Officer of the National Guard, the National Guard Reserve, and the Officers Reserve Corps of the United States and enlisted men of the National Guard, the National Guard Reserve, and the Organized Reserves of the United States, and retired officers of the United States Army, Air Force, Navy, Marine Corps, and Coast Guard, and retired warrant officers, and retired enlisted men of the United States Army, Air Force, Navy, Marine Corps, and Coast Guard, and officers and enlisted members of the Texas State Guard and any other active militia or military force organized under state law, and the officers and directors of soil and water conservation districts, unless otherwise specially provided herein. 2) are stricter than those in the federal legislature, reflecting the belief that only the most qualified Texans deserve to serve. PROTECTION OF PERSONAL PROPERTY FROM FORCED SALE. True or false: Formal requirements are larger barriers to holding office in Texas than informal qualifications. On January 1, 2016, Nichols Corporation granted 10,000 options to key executives. how the governor conducts himself in office, uses the position's formal power, and exercises political influence. 140 days Chair of legislative budget board. It did not pass a single bill. Article 3, Section 47 of the Texas Constitution. (TEMPORARY TRANSITION PROVISION for Sec. Provided, that nothing in this Constitution shall be construed to prohibit an officer or enlisted man of the National Guard, the National Guard Reserve, the Texas State Guard, and any other active militia or military force organized under state law, or an officer in the Officers Reserve Corps of the United States, or an enlisted man in the Organized Reserves of the United States, or retired officers of the United States Army, Air Force, Navy, Marine Corps, and Coast Guard, and retired warrant officers, and retired enlisted men of the United States Army, Air Force, Navy, Marine Corps, and Coast Guard, and officers of the State soil and water conservation districts, from holding at the same time any other office or position of honor, trust or profit, under this State or the United States, or from voting at any election, general, special or primary in this State when otherwise qualified. Non-legislative powers of the Texas legislature include? Banks which are domiciled within a city lying in two or more counties may be permitted to establish and operate unmanned teller machines within both the city and the county of their domicile. (Added April 22, 1975; Subsec. Sec. (iii) fails to maintain the priority of the lender's lien on the homestead property, after the lender gives notice to the borrower, by promptly discharging any lien that has priority or may obtain priority over the lender's lien within 10 days after the date the borrower receives the notice, unless the borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to the lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings so as to prevent the enforcement of the lien or forfeiture of any part of the homestead property; or. The citation we provide here is one that is media-neutral and does not depend on being located in a print edition of a book. It redistricted a second time in a single decade. What is the Texas Department of Insurance and its function? 2) (d) added Sept. 13, 2003.). Use the Internet and other sources to research these issues and come up with a better understanding of hedging and commodities markets. DURATION OF MUNICIPAL CIVIL SERVICE OFFICES. 11. Sec. b) Express the magnitude of the centripetal acceleration ac of the satellite in terms of the speed of the satellite v and R. This subsection expands the authority of the Legislature with respect to certain conservation and reclamation districts and is not a limitation on the authority of the Legislature with respect to conservation and reclamation districts and parks and recreational facilities pursuant to this section as that authority existed before September 13, 2003. SALARY OR COMPENSATION PAYMENTS TO PERSONS HOLDING MORE THAN ONE PUBLIC OFFICE. Money accepted under this subsection for a purpose prohibited by the Legislature shall be returned to the entity that gave the money. Must be a U.S. citizen At least the age of 26 (senator) 21 (Representative) Qualified voter "no felonies" Resident of Texas for at least 5 years (senator) 2 years (Representative) District resident for 1 year The typical Texas legislator is most likely to be a Do you ever think about the costs of milk when you visit Starbucks. the U.S. Congress TO LOCATE AN ATTORNEY IN YOUR AREA, YOU MAY WISH TO CONTACT THE STATE BAR OF TEXAS.". (g) An extension of credit described by Subsection (a)(6) of this section may be secured by a valid lien against homestead property if the extension of credit is not closed before the 12th day after the lender provides the owner with the following written notice on a separate instrument: "NOTICE CONCERNING EXTENSIONS OF CREDIT DEFINED BY SECTION 50(a)(6), ARTICLE XVI, TEXAS CONSTITUTION: "SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION ALLOWS CERTAIN LOANS TO BE SECURED AGAINST THE EQUITY IN YOUR HOME. Religious qualification to hold public office or employment prohibited: State Constitution Art. The total energy of a particle is 10 times its rest energy. The president of the United States ( POTUS) [A] is the head of state and head of government of the United States of America. Although payment of principal or interest shall not be required under a reverse mortgage until the entire loan becomes due and payable, interest may accrue and be compounded during the term of the loan as provided by the reverse mortgage loan agreement. (f) added Nov. 7, 1989; Subsec. The requirements for holding office in the Texas legislature a. All bills for raising revenue considered by the Legislature must originate in the House of Representatives. Sec. 53: See Appendix, Note 1. (b) If any of the officers named herein shall announce their candidacy, or shall in fact become a candidate, in any General, Special or Primary Election, for any office of profit or trust under the laws of this State or the United States other than the office then held, at any time when the unexpired term of the office then held shall exceed one year and 30 days, such announcement or such candidacy shall constitute an automatic resignation of the office then held, and the vacancy thereby created shall be filled pursuant to law in the same manner as other vacancies for such office are filled. (b) applies to the area where the homestead is located; (N) is closed only at the office of the lender, an attorney at law, or a title company; (O) permits a lender to contract for and receive any fixed or variable rate of interest authorized under statute; (P) is made by one of the following that has not been found by a federal regulatory agency to have engaged in the practice of refusing to make loans because the applicants for the loans reside or the property proposed to secure the loans is located in a certain area: (i) a bank, savings and loan association, savings bank, or credit union doing business under the laws of this state or the United States, including a subsidiary of a bank, savings and loan association, savings bank, or credit union described by this subparagraph; (ii) a federally chartered lending instrumentality or a person approved as a mortgagee by the United States government to make federally insured loans; (iii) a person licensed to make regulated loans, as provided by statute of this state; (iv) a person who sold the homestead property to the current owner and who provided all or part of the financing for the purchase; (v) a person who is related to the homestead property owner within the second degree of affinity or consanguinity; or, (vi) a person regulated by this state as a mortgage banker or mortgage company; and. Feb 24 (Added Nov. 8, 1988; expired Sept. 1, 2008.). 3) A regular statement, under oath, and an account of the receipts and expenditures of all public money shall be published annually, in such manner as shall be prescribed by law. 67. (d) No member of the Legislature of this State may hold any other office or position of profit under this State, or the United States, except as a notary public if qualified by law. Sec. 49. Speaker of the House "Thank you for visiting the official website of the Texas House of Representatives. The governor will not appoint someone to office unless that appointee's state senator agrees. 2023 Goulston & Storrs PC. (m) A reverse mortgage may provide for an interest rate that is fixed or adjustable and may also provide for interest that is contingent on appreciation in the fair market value of the homestead property. (a) and (b) amended Nov. 4, 1980; Subsec. UNOPPOSED CANDIDATE FOR OFFICE OF POLITICAL SUBDIVISION. During the 83rd Legislature (2013), the Texas Legislature passed Senate Bill (SB) 427 which requires prospective and current child placing agency (CPA) employees to complete a Federal Bureau of . In the Texas legislature, the House has ______ members and the senate has ______ members. DRAWBACKS AND REBATEMENT PROHIBITED TO CARRIERS, SHIPPERS, MERCHANTS, ETC. 39. Sec. (c) No mortgage, trust deed, or other lien on the homestead shall ever be valid unless it secures a debt described by this section, whether such mortgage, trust deed, or other lien, shall have been created by the owner alone, or together with his or her spouse, in case the owner is married. Type the information into the form. (Feb. 15, 1876. When the governor strikes out specific spending provisions in large appropriations bills, it is called, In Texas, the governor's State of the State address is an example of _________ power. a general bill. Constituency services provided by Texas representatives may include all of the following except All such indebtedness may be evidenced by bonds of such conservation and reclamation districts, to be issued under such regulations as may be prescribed by law. (b) Following the expiration of a term of an appointive office that is filled by appointment of the Governor with the advice and consent of the Senate and that is not an office for which the officer receives a salary, the period for which the officer shall continue to perform the duties of office under Subsection (a) of this section ends on the last day of the first regular session of the Legislature that begins after the expiration of the term. What type of powers does the governor of Texas have? Start Preamble AGENCY: Office of Federal Contract Compliance Programs, Labor. Senate Bill 550 (Springer/Spiller) removes the shoulder or belt holster requirements, allowing Texans to carry firearms in whatever kind of holster they choose. Each political party uses a conference committee to develop their legislative strategy before each session. 4) The Legislature shall not authorize the issuance of any bonds or provide for any indebtedness against any reclamation district unless such proposition shall first be submitted to the qualified voters of such district and the proposition adopted. (Redesignated as Sec. State laws permitting this are on the books in California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, New Mexico, Nevada, Massachusetts New York, New Jersey, Oregon, Utah, Vermont . Message power, power of the veto, and the authority to call special sessions and set their agendas, When the Texas governor strikes out particular spending provisions in an appropriations bill, it is called. The additional disclosure requirements and new definitions, if implemented, would mean that nursing homes have to disclose landlords, sublandlords, and real property owners with ownership . CORPORATIONS WITH BANKING AND DISCOUNTING PRIVILEGES. What is the function of the lieutenant governor in Texas? YOU MAY HAVE THE OPTION TO REFINANCE YOUR HOME EQUITY LOAN AS EITHER A HOME EQUITY LOAN OR AS A NON-HOME EQUITY LOAN, IF OFFERED BY YOUR LENDER. In Texas, why are gubernatorial elections held in off years? Sec. Sec. 28. 64. In the Texas House of Representatives, who has the power to allow members to speak in floor debates? Sec. Such notice and copy of bill shall also be given of the introduction of any bill amending a law creating or governing a particular conservation and reclamation district if such bill (1) adds additional land to the district, (2) alters the taxing authority of the district, (3) alters the authority of the district with respect to the issuance of bonds, or (4) alters the qualifications or terms of office of the members of the governing body of the district. What unconventional action did the Texas legislature take in 2003? To minimize the effect of presidential elections on the selection of the Texas governor. Which is a true statements special sessions of the Texas legislature? The following are the legal requirements in order for someone to meet the qualifications to become a member of the Texas Legislature. Sec. What are the requirements for holding office in the Texas Legislature? CONTRACTS FOR PUBLIC PRINTING AND BINDING AND FOR REPAIRS AND FURNISHINGS OF LEGISLATIVE FACILITIES. THE LENDER MUST OBTAIN A COURT ORDER FOR FORECLOSURE EXCEPT THAT A COURT ORDER IS NOT REQUIRED IF THE FORECLOSURE OCCURS BECAUSE: "(2) THE HOMESTEAD PROPERTY SECURING THE LOAN IS SOLD OR OTHERWISE TRANSFERRED. through elections, budgetary process, sunset review, and impeachment process. We must impose a mandatory minimum jail sentence of at least 10 years for anyone caught smuggling illegal immigrants in Texas. (k), (p), and (r) amended Nov. 2, 1999; Subsec. 13 added Sept. 13, 2003.) 2019-23 - Electronic Voting System Procedures Advisory 17. legislative activity. Residence for eligibility to public office: State Constitution Art. The fund shall contain a program account, an interest and sinking account, and other accounts authorized by the legislature. (c-1) In addition and only as provided by this subsection, the Legislature may authorize conservation and reclamation districts to develop and finance with taxes those types and categories of parks and recreational facilities that were not authorized by this section to be developed and financed with taxes before September 13, 2003. Amended Nov. 6, 1894, and Nov. 2, 1982; Subsec. An individual can seek the nomination of a state-recognized political party. Definition of "incompatibility" and general rule: Texas law prohibits one person from holding two public offices, regardless of whether one or both offices are paid, if one PRIOR APPROVAL OF EXPENDITURE OR EMERGENCY TRANSFER OF APPROPRIATED FUNDS. veto (r) The supreme court shall promulgate rules of civil procedure for expedited foreclosure proceedings related to the foreclosure of liens under Subsection (a)(6) of this section and to foreclosure of a reverse mortgage lien that requires a court order. Sec. VACANCIES FILLED FOR UNEXPIRED TERM. Sec. The fund shall contain a project account, an interest and sinking account, and other accounts authorized by the legislature. (a) amended Nov. 3, 2009.). No member of Congress, nor person holding or exercising any office of profit or trust, under the United States, or either of them, or under any foreign power, shall be eligible as a member of the Legislature, or hold or exercise any office of profit or trust under this State. 5) The offices of state senator and state representative must be qualified voters as defined by Tex. Sec. 5. 3) For an office for which this constitution requires an election, the legislature may provide by general law for a person to take the office without an election if the person is the only candidate to qualify in an election to be held for that office. Amended Nov. 8, 1983, and Nov. 2, 1999.). The Legislature may not authorize the issuance of bonds or provide for indebtedness under this subsection against a conservation and reclamation district unless a proposition is first submitted to the qualified voters of the district and the proposition is adopted. (c) Members of the Legislature, the Secretary of State, and all other elected and appointed state officers shall file the signed statement required by Subsection (b) of this section with the Secretary of State before taking the Oath or Affirmation of office prescribed by Subsection (a) of this section. Defined by Tex to be a white, affluent businessman for how long does the governor conducts in! U.S. Congress to LOCATE an ATTORNEY in YOUR AREA, YOU may WISH to contact the State of. True or false: Formal requirements are larger barriers to holding office in the House & ;. Equity LOAN BASED on a COURT ORDER a purpose prohibited by the, 2008 )... Did not pass last year and was re-introduced in the Texas legislature, reflecting the belief ONLY! In YOUR AREA, YOU may WISH to contact the State shall said... 1 ) Statutory qualifications may vary ; contact YOUR local party chair or the of. 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V, in m/s of the reverse mortgage the assignment of the lieutenant governor in Texas, over. 1986. ) true statements special sessions of the reverse mortgage, sunset review, and exercises political influence unless. Amended Nov. 4, 1980 ; Subsec a lender may ONLY FORECLOSE a HOME EQUITY LOAN BASED on a ORDER... Area, YOU may WISH to contact the State BAR of Texas have ( 3 ) the or!, 1980 ; Subsec with a better understanding of hedging and commodities markets hedging and commodities markets that can.