Section 347.105 - Maximum Rate Adjustments(a) The total of the rate adjustments for any six-month period may not exceed one-half of one percent a year.(b) If the stated interval for rate adjustments is a 12-month period or longer, a rate adjustment may not exceed one percent a year.(c) The total of all rate adjustments over the term of the credit transaction may not exceed the least of: (1) one-half of the initial rate;(3) a rate, expressed as a percentage, computed by dividing the term of the loan in years by two. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. 9/1/1997.