Terms Used In Texas Agriculture Code Chapter 18 > Subchapter C - Agricultural Production Process Certification Program

• Consumer: means a person to whom credit is extended in a credit transaction. See Texas Finance Code 347.002
• Credit transaction: means :
  (A) any sale, loan, or other transaction involving a retail purchase of a manufactured home and under which a person in a written agreement, including a credit sales contract or loan instrument, grants to another person a purchase money lien on the manufactured home to secure an extension of credit that is:
  (i) subject to a finance charge; or
  (ii) payable in more than four installments, not including a down payment; and
  (B) a lease or bailment described by § 347. See Texas Finance Code 347.002
• Creditor: means a:
  (A) person who extends credit or arranges for the extension of credit in a credit transaction; or
  (B) retailer or broker, as defined by § 1201. See Texas Finance Code 347.002
• Finance charge: The total cost of credit a customer must pay on a consumer loan, including interest. The Truth in Lending Act requires disclosure of the finance charge. ^{Source: OCC}
• Manufactured home: has the meaning assigned by § 1201. See Texas Finance Code 347.002
• Property: means real and personal property. See Texas Government Code 311.005
• Real property: Land, and all immovable fixtures erected on, growing on, or affixed to the land.