Texas Finance Code - FIN § 347.106. Mandatory Decrease;  Optional Increase

(a) If a computation under Section 347.104 results in a decrease, the creditor shall decrease the credit transaction's rate.  If the creditor has agreed to impose periodic or aggregate limitations on rate adjustments that are smaller or more restrictive than the limitations prescribed by Section 347.105, those limitations apply to the decrease.

(b) A creditor may waive an increase that results from a computation under Section 347.104.