# Tex. Finance Code § 392.305: DECEPTIVE USE OF CREDIT BUREAU NAME

> Texas · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.305

## Section

- **Citation:** Tex. Finance Code § 392.305
- **Heading:** DECEPTIVE USE OF CREDIT BUREAU NAME
- **Jurisdiction:** Texas
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** TX Code / Code fi / Chapter 392 / Section 392.305

## Text

A person may not use "credit bureau," "retail merchants," or "retail merchants association" in the person's business or trade name unless:

(1) the person is engaged in gathering, recording, and disseminating information, both favorable and unfavorable, relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, persons being considered for credit extension so that a prospective creditor can make a sound decision in the extension of credit; or

(2) the person is a nonprofit retail trade association that:

(A) consists of individual members;

(B) qualifies as a bona fide business league as defined by the United States Internal Revenue Service; and

(C) does not engage in the business of debt collection or credit reporting.

## Nearby sections

- [Tex. Finance Code § 392.001 § 392.001. DEFINITIONS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.001.md)
- [Tex. Finance Code § 392.101 § 392.101. BOND REQUIREMENT.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.101.md)
- [Tex. Finance Code § 392.102 § 392.102. CLAIM AGAINST BOND.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.102.md)
- [Tex. Finance Code § 392.201 § 392.201. REPORT TO CONSUMER.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.201.md)
- [Tex. Finance Code § 392.202 § 392.202. CORRECTION OF THIRD-PARTY DEBT COLLECTOR'S OR CREDIT BUREAU'S FILES.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.202.md)
- [Tex. Finance Code § 392.301 § 392.301. THREATS OR COERCION.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.301.md)
- [Tex. Finance Code § 392.302 § 392.302. HARASSMENT; ABUSE.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.302.md)
- [Tex. Finance Code § 392.303 § 392.303. UNFAIR OR UNCONSCIONABLE MEANS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.303.md)
- [Tex. Finance Code § 392.304 § 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.304.md)
- [Tex. Finance Code § 392.305 § 392.305. DECEPTIVE USE OF CREDIT BUREAU NAME.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.305.md)
- [Tex. Finance Code § 392.306 § 392.306. USE OF INDEPENDENT DEBT COLLECTOR.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.306.md)
- [Tex. Finance Code § 392.307 § 392.307. COLLECTION OF CERTAIN CONSUMER DEBT BY DEBT BUYERS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.307.md)
- [Tex. Finance Code § 392.308 § 392.308. CONSUMER VICTIM OF IDENTITY THEFT.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.308.md)
- [Tex. Finance Code § 392.401 § 392.401. BONA FIDE ERROR.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.401.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TX_Cfi_C392_S392.305. Check the current official text before relying on it. Not legal advice.