TX HB3527

Aligns Texas state definitions of "manufactured home" and "HUD-code manufactured home" with federal law by adopting the definition in 42 U.S.C. Section 5402(6), replacing detailed state-specific criteria

Allows licensees to maintain required records at any designated location rather than only within Texas, and permits electronic recordkeeping if records can be produced upon department request

Modifies consumer disclosure timing requirements by requiring retailers to provide written disclosures before credit application completion or before entering a non-financed sale agreement, removing the previous "more than one day" advance requirement

Eliminates the 24-hour advance contract delivery requirement for financed transactions not subject to federal RESPA regulations

Simplifies the process for consumers to waive their right of rescission in bona fide personal emergencies, removing references to waiving "notice periods" while retaining the waiver process and department verification requirement

Updates regulatory citation for recreational vehicle exclusion from 24 C.F.R. Section 3282.8(g) to 24 C.F.R. Section 3282.15(b)

Takes effect September 1, 2025