The Texas Finance Code contains provisions relating to certain consumer loans secured by real estate, principally those which are not first lien residential purchase money loans. For example, second lien home improvement loans. See Chapter 15, “Home Construction and Improvement Lending.” Additionally, the Finance Code contains regulations governing mortgage fraud in Texas, providing penalties for making false or misleading statements to a Bank in connection with a mortgage loan. A same Texas Mortgage Fraud Notice appears at the end of Chapter 14, “Residential Purchase Money Lending.” The Bank and its counsel should be familiar with the Texas Finance Code provisions applicable to residential real estate lending.