# 7 Tex. Admin. Code § 90.304: 7 TAC § 90.304. Model Contracts; Permissible Changes

> Texas · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_TX_TAC_T7_P5_C90_S90_304

## Section

- **Citation:** 7 Tex. Admin. Code § 90.304
- **Heading:** 7 TAC § 90.304. Model Contracts; Permissible Changes
- **Jurisdiction:** Texas
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Texas Administrative Code / Title 7 BANKING AND SECURITIES / Part 5 OFFICE OF CONSUMER CREDIT COMMISSIONER / Chapter 90 CHAPTER 342, PLAIN LANGUAGE CONTRACT PROVISIONS / 7 TAC § 90.304

## Text

(a) A licensee may consider making the following types
 of changes to the signature loans plain language model clauses:
(1) Adding information related to information set forth
 in the model clauses that is not otherwise prohibited by law;
(2) Substituting another term for "Lender" or "Borrower"
 that has the same meaning, or using pronouns such as "you," "we,"
 and "us";
(3) Presenting model clauses in any order, and combining
 or further segregating the model clauses;
(4) Inserting descriptive headings or number provisions;
(5) Changing the case of a word if otherwise permitted
 by the Texas Finance Code; or
(6) Making other changes that do not affect the substance
 of the disclosures.
(7) A sample model contract using the add-on method
 is presented in the following example:
Attached Graphic
(8) A sample model contract using the scheduled installment
 earnings method is presented in the following example:
Attached Graphic
(9) A sample model contract using the true daily earnings
 method is presented in the following example:
Attached Graphic
(10) A sample model security agreement is presented
 in the following example.
Attached Graphic
(b) A licensee has considerable flexibility to arrange
 the format of the model form if the revised format does not significantly
 adversely affect the substance, clarity, or meaningful sequence of
 the disclosures.

## Nearby sections

- [7 Tex. Admin. Code § 90.301 7 TAC § 90.301. Purpose](https://www.frixlaw.com/law-library/statutes/STATE_TX_TAC_T7_P5_C90_S90_301.md)
- [7 Tex. Admin. Code § 90.302 7 TAC § 90.302. Contract Provisions](https://www.frixlaw.com/law-library/statutes/STATE_TX_TAC_T7_P5_C90_S90_302.md)
- [7 Tex. Admin. Code § 90.303 7 TAC § 90.303. Model Clauses](https://www.frixlaw.com/law-library/statutes/STATE_TX_TAC_T7_P5_C90_S90_303.md)
- [7 Tex. Admin. Code § 90.304 7 TAC § 90.304. Model Contracts; Permissible Changes](https://www.frixlaw.com/law-library/statutes/STATE_TX_TAC_T7_P5_C90_S90_304.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TX_TAC_T7_P5_C90_S90_304. Check the current official text before relying on it. Not legal advice.