Section 393.602 - Applicability(a) This subchapter applies only to a credit services organization that, with respect to a consumer who is located in this state at the time of the transaction, obtains for a consumer or assists a consumer in obtaining an extension of consumer credit in the form of:(1) a deferred presentment transaction; or(2) a motor vehicle title loan.(b) A credit access business may assess fees for its services as agreed to between the parties. A credit access business fee may be calculated daily, biweekly, monthly, or on another periodic basis. A credit access business is permitted to charge amounts allowed by other laws, as applicable. A fee may not be charged unless it is disclosed.(c) A person may not use a device, subterfuge, or pretense to evade the application of this subchapter. A lawful transaction governed under another statute, including Title 1, Business & Commerce Code, does not violate this subsection and may not be considered a device, subterfuge, or pretense to evade the application of this subchapter.Amended by Acts 2019, Texas Acts of the 86th Leg.- Regular Session, ch. 767,Sec. 82, eff. 9/1/2019.Added by Acts 2011, 82nd Leg., R.S., Ch. 1302, Sec. 2, eff. 1/1/2012.