Sec. 94.052.  CONSUMER LOANS.  In the case of a consumer loan:
(1)  a savings bank may charge a borrower the reasonable value of services rendered in connection with making the loan;  and
(2)  an expense charged a borrower must be:
(A)  necessary and proper for the protection of the lender;  and
(B)  actually incurred in connection with making the loan.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.