3 Finance Code §342.201 et seq.  Subchapter E applies to a loan contract under Chapter 342 that is a regular transaction and is not secured by real property.  Section 342.001(2) defines a "regular transaction" to mean a loan that is payable in installments that are consecutive, monthly and substantially equal in amount, and the first installment of which is due within one month and fifteen days of the date of the loan.