OPINION
W. KENNETH LAW, Chief Justice.
We withdraw our opinion and judgment issued on January 8, 2004, and substitute this one in its place, and we overrule the motion for rehearing.
This case concerns the scope of disclosure authority a borrower may give to a lender under article 21.48A of the insurance code. See Tex. Ins.Code Ann. art. 21.48A, §§ 1(1), 2(c) (West Supp.2004). Appellant Bobby Hawthorne granted authority to...
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