Tex. Codes » Finance Code · TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES · CHAPTER 392. DEBT COLLECTION
Texas Codes

Tex. Fin. Code § 392.102 (2026)

Claim Against Bond

✓ laws through the 89th Legislature (2025)
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Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.

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

SUBCHAPTER C. INFORMATION IN FILES OF CREDIT BUREAU OR DEBT COLLECTOR


Notes of Decisions
Cited in 3 cases (3 in the last 5 years), 2021–2026 · leading case: Hunsinger, No. 3:25-cv-01880 (N.D. Tex. Jan. 13, 2026).
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Hunsinger, No. 3:25-cv-01880 (N.D. Tex. Jan. 13, 2026). · cites it 3× “at 5 (citing Tex. Fin. Code § 392.102.) But Plaintiff does not assert any cause of action against USFIC in his Complaint.”
Lemuel David Hogan v. Stephanie Montagne Zoanni, 627 S.W.3d 163 (Tex. 2021). “121(a) (permitting person to “maintain an action” against proprietary career school or college); TEX. FIN. CODE § 392.102 (permitting person to “maintain an action” against debt collector and its surety); T EX.”
Black v. Trust Bank, No. 4:21-cv-04231 (S.D. Tex. May 5, 2022). “” Tex. Fin. Code Ann. § 392.102 . Thus, it appears that in some cases a “credit bureau” could be held liable under the statute.”
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