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

Tex. Fin. Code § 392.402 (2026)

Criminal Penalty

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Sec. 392.402. CRIMINAL PENALTY. (a) Except as provided by Subsection (d), a person commits an offense if the person violates this chapter.

(b) An offense under this section is a misdemeanor punishable by a fine of not less than $100 or more than $500 for each violation.

(c) A misdemeanor charge under this section must be filed not later than the first anniversary of the date of the alleged violation.

(d) This section does not apply to a violation of Section 392.307.

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

Amended by:

Acts 2019, 86th Leg., R.S., Ch. 1055 (H.B. 996), Sec. 3, eff. September 1, 2019.

Notes of Decisions
Cited in 3 cases, 2010–2019 · leading case: Simien v. Unifund CCR Partners, 321 S.W.3d 235 (Tex. App.—Houston [1st Dist.] 2010).
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Simien v. Unifund CCR Partners, 321 S.W.3d 235 (Tex. App.—Houston [1st Dist.] 2010). “See Tex. Fin.Code Ann. § 392.304(a)(8) (Vernon 2006) (prohibiting misrepresentation of amount of consumer debt); Tex.”
Dodeka, L.L.C. v. Irma Campos, 377 S.W.3d 726 (Tex. App.—San Antonio 2012). “304(a)(8) (West 2006) (prohibiting consumer debt misrepresentation); Tex. Fin.Code § 392.402 (providing criminal penalties for violations of Chapter 392 of the Texas Finance Code).”
Stevens v. Conn's, Inc., No. 4:16-cv-00309 (E.D. Tex. Aug. 7, 2019). “302 does not prescribe a specific award amount, the TDCA imposes fines for comparative violations to be at least $100 per phone call, see TEXAS FIN. CODE ANN. §§ 392.402(b), 392.403(e) (prescribing fines for threatening to report delinquent payments to a person who is not the…”
Tex. Fin. Code § 392.402(b): 1 case
Stevens v. Conn's, Inc., No. 4:16-cv-00309 (E.D. Tex. Aug. 7, 2019). “302 does not prescribe a specific award amount, the TDCA imposes fines for comparative violations to be at least $100 per phone call, see TEXAS FIN. CODE ANN. §§ 392.402(b), 392.403(e) (prescribing fines for threatening to report delinquent payments to a person who is not the…”
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