Texas Finance Code 345.104 – Use of Optional Ceiling
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(a) As an alternative to the maximum rate or amount authorized for a time price differential under § 345.103, a retail charge agreement may provide for a rate or amount of time price differential that does not exceed the rate or amount authorized by Chapter 303.
(b) The provisions of Chapter 303 applicable to open-end accounts apply to a retail charge agreement to which this section applies.