Sec. 14.252.  AMOUNT OF PENALTY.  (a)  The commissioner may assess an administrative penalty for a violation in an amount not to exceed $1,000 for each day of the violation.
(b)  The aggregate amount of penalties under this subchapter that the commissioner may assess against a person during one calendar year may not exceed the lesser of:
(1)  $100,000; or
(2)  an amount that is equal to the greater of five percent of the net worth of the creditor or $5,000.
(c)  In determining the amount of an administrative penalty, the commissioner shall consider:
(1)  the seriousness of the violation, including the nature, circumstances, extent, and gravity of the prohibited act;
(2)  the extent of actual or potential harm to a third party;
(3)  the history of violations;
(4)  the amount necessary to deter future violations;
(5)  efforts to correct the violation;  and
(6)  any other matter that justice may require.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Amended by: 
Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 4.03, eff. September 1, 2005.