Tex. Fin. Code § 392.404 : FINANCE CODE — PROTECTION OF CONSUMERS OF FINANCIAL SERVICES — DEBT COLLECTION — DEFENSE, CRIMINAL PENALTY, AND CIVIL REMEDIES — Remedies Under Other Law TEXT PDF (a) A violation of this chapter is a deceptive trade practice under Subchapter E, Chapter 17, Business & Commerce Code, and is actionable under that subchapter. (b) This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity. Tex. Fin. Code § 392.404 Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. 9/1/1997.