(a) This chapter does not apply to:
(1) a person:
(A) authorized to make a loan or grant an extension of consumer credit under the laws of this state or the United States; and
(B) subject to regulation and supervision by this state or the United States;
(2) a lender approved by the United States secretary of housing and urban development for participation in a mortgage insurance program under the National Housing Act (12 U.S.C. § 1701 et seq.);
(3) a bank or savings association the deposits or accounts of which are eligible to be insured by the Federal Deposit Insurance Corporation or a subsidiary of the bank or association;
(4) a credit union doing business in this state;
(5) a nonprofit organization exempt from taxation under Section 501(c)(3), Internal Revenue Code of 1986 (26 U.S.C. § 501(c)(3));
(6) a real estate broker or salesperson licensed under Chapter 1101, Occupations Code, who is acting within the course and scope of that license;
(7) an individual licensed to practice law in this state who is acting within the course and scope of the individual’s practice as an attorney;
(8) a broker-dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation;
(9) a consumer reporting agency;
(10) a person whose primary business is making loans secured by liens on real property;
(11) a mortgage broker or loan officer licensed under Chapter 156, Finance Code, who is acting within the course and scope of that license; or
(12) an electronic return originator who:
(A) is an authorized Internal Revenue Service e-file provider; and
(B) makes, negotiates, arranges for, or transacts a loan that is based on a person’s federal income tax refund on behalf of a bank, savings bank, savings and loan association, or credit union.
(b) In an action under this chapter, a person claiming an exemption under this section has the burden of proving the exemption.