Tex. Fin. Code Section 343.105
Notice of Penalties for Making False or Misleading Written Statement

(a)

A lender, mortgage banker, or licensed mortgage broker shall provide to each applicant for a home loan a written notice at closing.

(b)

The notice must:

(1)

be provided on a separate document;

(2)

be in at least 14-point type; and

(3)

have the following or substantially similar language:
"Warning: Intentionally or knowingly making a materially false or misleading written statement to obtain property or credit, including a mortgage loan, is a violation of Section 32.32, Texas Penal Code, and, depending on the amount of the loan or value of the property, is punishable by imprisonment for a term of 2 years to 99 years and a fine not to exceed $10,000.
"I/we, the undersigned home loan applicant(s), represent that I/we have received, read, and understand this notice of penalties for making a materially false or misleading written statement to obtain a home loan.
“I/we represent that all statements and representations contained in my/our written home loan application, including statements or representations regarding my/our identity, employment, annual income, and intent to occupy the residential real property secured by the home loan, are true and correct as of the date of loan closing.”

(c)

On receipt of the notice, the loan applicant shall verify the information and execute the notice.

(d)

The failure of a lender, mortgage banker, or licensed mortgage broker to provide a notice complying with this section to each applicant for a home loan does not affect the validity or enforceability of the home loan by any holder of the loan.
Added by Acts 2007, 80th Leg., R.S., Ch. 285 (H.B. 716), Sec. 1, eff. September 1, 2007.

Source: Section 343.105 — Notice of Penalties for Making False or Misleading Written Statement, https://statutes.­capitol.­texas.­gov/Docs/FI/htm/FI.­343.­htm#343.­105 (accessed May 26, 2025).

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May 26, 2025

§ 343.105. Notice of Penalties for Making False or Misleading Written Statement's source at texas​.gov