If a Texas Finance Code, Chapter 342 loan is renewed and a charge was assessed for nonfiling insurance in the original loan, a new charge for nonfiling insurance may not be assessed or contracted for in the renewed loan unless the term of the renewed loan extends more than five years after the date of the original loan. If different collateral is substituted or added to a loan, then a new charge for nonfiling insurance may be assessed.
7 Tex. Admin. Code § 83.811