On October 17, 2024, the Court of Appeals of Texas, Fort Worth in Frost Bank v. Kelley Jr., — S.W.3d — 2024 WL 4509721 overruled a trial court’s decision and found that a lender’s loan documents for a Texas Home Equity loan made under the authority of Article XVI, Section 50(a)(6) of the Texas Constitution were legally sufficient to create a foreclosure-eligible lien. Additionally, in dicta, the appellate court commented that, in the event that the documents were faulty, the lender’s response to the owners’ notice of the alleged faulty documents would have likely cured any defect.