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

Tex. Fin. Code § 392.401 (2026)

Bona Fide Error

✓ current as of May 2026
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Sec. 392.401. BONA FIDE ERROR. A person does not violate this chapter if the action complained of resulted from a bona fide error that occurred notwithstanding the use of reasonable procedures adopted to avoid the error.

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

Notes of Decisions
Cited in 6 cases (1 in the last 5 years), 2008–2023 · leading case: Ca Partners v. Spears, 274 S.W.3d 51 (Tex. App. 2008).
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Ca Partners v. Spears, 274 S.W.3d 51 (Tex. App. 2008). · cites it 2× “§ 1692k(c); Tex. Fin.Code § 392.401. Section 1692k provides, A debt collector may not be held liable in any action brought under this sub-chapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error…”
Hare v. Hosto & Buchan, Pllc, 774 F. Supp. 2d 849 (S.D. Tex. 2011). “” Tex. Fin. Code § 392.401. Violations under the TDCA are automatically violations of the Texas Deceptive Trade Practices Act (“TDTPA”), Tex.”
Smith v. Moss Law Firm PC (N.D. Tex. 2020). “” Tex. Fin. Code Ann. § 392.401 (West 2016).”
Alanis v. Nationstar Mortg. LLC (W.D. Tex. 2019). “See Tex. Fin. Code Ann. § 392.401 (West 2019) (“A person does not violate this chapter if the action complained of resulted from a bona fide error that occurred notwithstanding the use of reasonable procedures adopted to avoid the error.”
Reed v. I.Q. Data Int'l, Inc. (W.D. Tex. 2023). “§ 1692k(c); Tex. Fin. Code § 392.401. Section 1692k(c) of the FDCPA provides: A debt collector may not be held liable in any action brought under [the FDCPA] if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a…”
Wallace Roofing, Inc. & Royce Dean Wallace v. Linda Benson (Tex. App. 2013). “” The TDCPA provides a defense for debt collectors accused of statutory violations upon proof that the “violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably calculated to avoid such error.”
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