Tex. Codes » Finance Code · TITLE 4. REGULATION OF INTEREST, LOANS, AND FINANCED TRANSACTIONS · SUBTITLE B. LOANS AND FINANCED TRANSACTIONS · CHAPTER 348. MOTOR VEHICLE INSTALLMENT SALES
Texas Codes

Tex. Fin. Code § 348.102 (2026)

Contents Of Contract

✓ current as of May 2026
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Sec. 348.102. CONTENTS OF CONTRACT. (a) A retail installment contract must contain:

(1) the name of the retail seller and the name of the retail buyer;

(2) the place of business or address of the retail seller;

(3) the residence or other address of the retail buyer as specified by the retail buyer;

(4) a description of the motor vehicle being sold;

(5) the cash price of the retail installment transaction;

(6) the amount of any down payment by the retail buyer, specifying the amounts paid in money and in goods traded in; and

(7) each itemized charge.

(b) A charge for insurance, a service contract, or a warranty authorized by Subchapter C may be disclosed as provided by that subchapter.

(c) A retail installment contract that provides for a variable contract rate must set out the method by which the rate is computed.

(d) The contract must contain substantially the following notice in at least 10-point type that is bold-faced, capitalized, or underlined or otherwise conspicuously set out from the surrounding written material:

"NOTICE TO THE BUYER--DO NOT SIGN THIS CONTRACT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES. YOU ARE ENTITLED TO A COPY OF THE CONTRACT YOU SIGN. UNDER THE LAW YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS MAY OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. KEEP THIS CONTRACT TO PROTECT YOUR LEGAL RIGHTS."

Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.

Amended by:

Acts 2009, 81st Leg., R.S., Ch. 238 (S.B. 1965), Sec. 8, eff. September 1, 2009.

Notes of Decisions
Cited in 4 cases, 2008–2009 · leading case: Bledsoe Dodge, L.L.C. v. Kuberski, 279 S.W.3d 839 (Tex. App. 2009).
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Bledsoe Dodge, L.L.C. v. Kuberski, 279 S.W.3d 839 (Tex. App. 2009). “” Tex. Fin.Code Ann. § 348.102(a)(5) (Vernon 2006).”
Gifford v. Don Davis Auto, Inc., 274 S.W.3d 890 (Tex. App. 2009). “The Office of the Consumer Credit Commissioner promulgated regulations detailing what dealers are required to include in motor vehicle installment sales contract. These regulations state that such a contract must have the following disclosures: (4) Itemized charges not included…”
Billy Don Gifford v. Don Davis Auto, Inc. D/B/A Don Davis Toyota & Toyota Motor Credit Corp. (Tex. App. 2008). “These regulations state that such a contract must have the following disclosures: (4) Itemized charges not included in the cash price, as required by Texas Finance Code, §348.102(a)(7). Itemized charges may include, but are not limited to, the following charges as applicable: .”
Billy Don Gifford v. Don Davis Auto, Inc. D/B/A Don Davis Toyota & Toyota Motor Credit Corp. (Tex. App. 2008). “These regulations state that such a contract must have the following disclosures: (4) Itemized charges not included in the cash price, as required by Texas Finance Code, §348.102(a)(7). Itemized charges may include, but are not limited to, the following charges as applicable: .”
Tex. Fin. Code § 348.102(a)(5): 1 case
Bledsoe Dodge, L.L.C. v. Kuberski, 279 S.W.3d 839 (Tex. App. 2009). “” Tex. Fin.Code Ann. § 348.102(a)(5) (Vernon 2006).”
Tex. Fin. Code § 348.102(a)(7): 3 cases
Gifford v. Don Davis Auto, Inc., 274 S.W.3d 890 (Tex. App. 2009). “The Office of the Consumer Credit Commissioner promulgated regulations detailing what dealers are required to include in motor vehicle installment sales contract. These regulations state that such a contract must have the following disclosures: (4) Itemized charges not included…”
Billy Don Gifford v. Don Davis Auto, Inc. D/B/A Don Davis Toyota & Toyota Motor Credit Corp. (Tex. App. 2008). “These regulations state that such a contract must have the following disclosures: (4) Itemized charges not included in the cash price, as required by Texas Finance Code, §348.102(a)(7). Itemized charges may include, but are not limited to, the following charges as applicable: .”
Billy Don Gifford v. Don Davis Auto, Inc. D/B/A Don Davis Toyota & Toyota Motor Credit Corp. (Tex. App. 2008). “These regulations state that such a contract must have the following disclosures: (4) Itemized charges not included in the cash price, as required by Texas Finance Code, §348.102(a)(7). Itemized charges may include, but are not limited to, the following charges as applicable: .”
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