Figure: 7 TAC §90.503(c)(14)

"If an Applicable Law that sets a maximum charge is finally interpreted so that the interest, loan, charges, or fees collected or to be collected with the Loan Agreement exceed the permitted amount, then you will:

     a.     reduce the amount to the amount permitted; or
     b.     refund the excessive amount to me.

You may choose to apply this refund to the amount I owe or pay it directly to me. If you apply the refund to the amount I owe, the refund will be treated as a partial payment.

If I default, you will be able to charge me reasonable fees paid to an attorney who is not your employee to protect your interest in the Property."