{"data":{"id":"us-tx/tex.-finance-code-345.005","jurisdiction":"us-tx","citation":"Tex. Finance Code § 345.005","heading":"ITEMIZED CHARGE.","body":"An amount charged to a retail buyer in a retail installment contract or retail charge agreement is an itemized charge if the amount is not included in the cash price and is the amount of:\n(1) fees prescribed by law for filing, recording, or otherwise perfecting, releasing, or satisfying a security interest created in connection with a retail installment transaction or nonfiling insurance premiums as authorized by Section 345.212;\n(2) fees for registration or a certificate of title;\n(3) any taxes;\n(4) fees or charges prescribed by law and connected with the sale or inspection of the goods or services subject to the contract or agreement;\n(5) premiums and other charges for insurance authorized by Subchapter E;\n(6) official fees for a construction permit or the filing or recording of a construction permit;\n(7) a documentary fee authorized under Section 345.251;\n(8) in a retail installment transaction involving modernization, rehabilitation, repair, alteration, improvement, or construction of real property, reasonable and necessary costs, including amounts, paid by the holder:\n(A) for title insurance or title examination and opinion that does not exceed the amount set by the commissioner of insurance for title insurance for the transaction;\n(B) to a person who is not a salaried employee of the holder for an appraisal or inspection or for investigating the credit standing or creditworthiness of the retail buyer; or\n(C) to an attorney who is not a salaried employee of the holder as a legal fee for the preparation of documents in connection with the transaction; and\n(9) charges for a debt cancellation agreement under Chapter 354.\nActs 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.\nAmended by:\nActs 2017, 85th Leg., R.S., Ch. 183 (S.B. 1052), Sec. 1, eff. September 1, 2017.","path":["FINANCE CODE","TITLE 4. REGULATION OF INTEREST, LOANS, AND FINANCED TRANSACTIONS","SUBTITLE B. LOANS AND FINANCED TRANSACTIONS","CHAPTER 345. RETAIL INSTALLMENT SALES","SUBCHAPTER A. GENERAL PROVISIONS"],"source_url":"https://statutes.capitol.texas.gov/Docs/FI/htm/FI.345.htm#345.005","current_through":"89th 2nd Called Legislative Session, 2025","vintage":"","retrieved_at":"2026-08-27T01:47:13Z","sha256":"5303ea327c6d5ed6b6eefb9876ebbdc4da33dae5a8efd32be9f380e6ed974fbb","source_id":"us-tx","stale":false,"prev":"us-tx/tex.-finance-code-345.004","next":"us-tx/tex.-finance-code-345.006"},"notice":"GroundRules: Original legal text. Not legal advice."}