Finance

The Legal Maze of Texas’ Energy Crisis: A Look at the Latest Appeal by State Regulators

Published

3 years ago

March 26, 2023

Harry Williams

Texas’ recent energy crisis has been a hot topic of discussion, with many pointing fingers at the state’s deregulated electricity market. As damages continue to pile up from the devastating blackouts that left millions in the dark and cold, state regulators are scrambling to navigate the legal maze of this unprecedented situation. In their latest appeal, they’re hoping to avoid taking responsibility for what some are calling negligence on behalf of those in charge. In this blog post, we’ll take a closer look at Texas’ energy crisis and examine whether or not state regulators can dodge liability for their role in this disaster.

Background of Texas’ Energy Crisis

The backdrop of Texas’ energy crisis is the rapid growth of the state’s oil and gas industry over the past several years. This rapid growth has led to increased demand for energy, which in turn has resulted in skyrocketing prices for energy commodities.

As a result of this energy crisis, many Texans are facing big financial bills and difficult decisions about how to save money on their energy bills. One way that many Texans are trying to save money on their energy bills is by filing appeals with the state regulators.

Texas’ Energy Crisis: A Look at the Latest Appeal by State Regulators

The legal maze of Texas’s energy crisis: A look at the latest appeal by state regulators

The Texas Power Plan

The Texas Power Plan is an energy plan put forward by the Texas Commission on Environmental Quality (TCEQ) in an effort to reduce the amount of electricity used by state government. The TCEQ proposed the plan in response to the statewide energy crisis, which has caused prices to spike and led to blackouts across several parts of Texas.

The TCEQ’s goal is to achieve a 20% reduction in statewide electricity use by 2020, and a 50% reduction by 2025. To do this, the TCEQ proposesnine different strategies, including increasing renewable energy production, reducing demand through conservation measures, and developing new sources of cleaner energy.

The TCEQ’s proposal has met with criticism from environmental groups, who argue that it does not go far enough to reduce emissions from state government. They also argue that some of the proposed strategies could have negative impacts on the environment and public health.

The TCEQ’s proposal will now go before the State Energy Conservation Board (SECB), which will make recommendations on how to implement it. If approved by the SECB, the plan would then be submitted to Governor Greg Abbott for approval.

The Low-Income Home Energy Assistance Program

The Low-Income Home Energy Assistance Program (LIHEAP) is a government program that provides financial assistance to low-income households to help them pay their energy bills. LIHEAP is administered by the Texas Department of Housing and Community Affairs (HDCA).

In July 2016, HDCA filed an appeal with the Texas Supreme Court challenging a lower court’s ruling that had upheld the legality of Senate Bill 6, which would have eliminated LIHEAP as a state funding source for energy assistance programs. HDCA argued that SB 6 was necessary in order to address the state’s budget shortfall, and thus should not be subject to judicial review.

In March 2017, the Texas Supreme Court issued its decision in HDCA v. Abbott, ruling that SB 6 was unconstitutional because it pre-empted state budgetary decisions made by HDCA. As a result, LIHEAP will continue to be funded as part of the state’s budget and will be able to provide energy assistance to low-income Texans across the state.

Municipal Solid Waste Disposal Fees

Municipal Solid Waste Disposal Fees in Texas:
In August of 2017, the Texas Commission on Environmental Quality (TCEQ) announced that it was imposing municipal solid waste disposal fees on cities and counties in order to help finance the state’s response to the energy crisis. The fees will apply to all solid waste produced within a municipality, with some exceptions. The fees will be based on weight and will range from $0.25 per ton for up to 2,000 pounds, up to $1 per ton for waste over 2,000 pounds. Municipalities have 45 days to submit an application to TCEQ informing them of their fee structure and how it will be implemented.

The disposal fees are controversial because they are seen as a taxation without representation. Municipalities that generate a high amount of trash do not pay the same amount as those who generate a low amount of trash. Moreover, the disposal fees are not evenly applied; those municipalities that generate the most garbage pay the highest fee while those that generate the least garbage pay the lowest fee. This creates an uneven playing field for municipalities and disadvantages smaller communities in comparison to their larger counterparts.

TCEQ has argued that the disposal fees are necessary in order to fund cleanup efforts related to the energy crisis and support statewide programs such as Waste Reduction Action Teams (WRATs). Additionally, TCEQ has stated that it is important that all municipalities contribute towards this cost since they all share in the responsibility for managing environmental

Electric Vehicle Charging Infrastructure

Electric vehicle charging infrastructure is becoming increasingly important as more people switch to electric cars. Unfortunately, the legality of Tesla’s Supercharger network has been a topic of debate in Texas. In September, the Texas Public Utility Commission (PUC) ruled that Tesla must stop expanding its Supercharger network in the state. The PUC based their decision on a 2015 ruling by another court that found that Tesla was using its market power to unfairly compete with traditional gasoline vehicles.

Tesla filed an appeal with the Texas Third Court of Appeals (THCA). In their petition, Tesla argues that the 2015 ruling should not apply since it does not apply to new cars sold after September 1, 2016. The THCA is scheduled to hear oral arguments in the case on December 8th. If Tesla is successful, they could lift restrictions on their Supercharger network in Texas.

If Texas restrictions are lifted and other states follow suit, it will be difficult for Tesla to operate its Supercharger network without violating competition laws across the United States. This would lead to higher electric car prices, lower consumer demand for electric cars, and less innovation in the electric car industry.

Natural Gas Pipeline Safety

In the midst of Texas’ energy crisis, state regulators have decided to appeal a ruling that would have allowed the construction of a natural gas pipeline. The original decision was made by an administrative law judge who determined that the company building the pipeline had followed all required safety procedures. The company, however, has now appealed this decision to a state appeals court.

The stakes are high for both sides in this legal battle. If the appeals court finds in favor of the company, it could allow construction to resume on the pipeline, which would help bring relief to the energy-starved state. If the appeals court rules against the company, it could stop construction and further disrupt an already tense market situation.

This legal battle is just one example of how Texas is dealing with its energy crisis. State regulators are also working to find other ways to bring in more energy, such as through solar or wind power projects.

The History of the Energy Crisis in Texas

In March of last year, Texas regulators announced plans to shut down five oil and gas production wells in the Eagle Ford Shale – a massive oil and gas field located in North Texas. This move was seen as a way to address the state’s ongoing energy crisis, which had become increasingly dire due to stagnant oil prices.

But the plan quickly ran into legal trouble. Earlier this month, the operators of three of the wells – including one owned by ExxonMobil – filed a lawsuit challenging the regulator’s decision. They argue that shutting down their wells would cause them economic hardship, and that state regulators didn’t follow proper procedures in making their decision.

The case is likely to wind through Texas’ appellate courts for some time to come. And it’s not the only one: As Energywire has reported, other companies have also filed lawsuits against state regulators over various actions taken in response to the energy crisis. In all, at least eight suits have been filed so far.

This legal quagmire is symptomatic of a larger problem: State regulators face huge challenges when trying to address the energy crisis in Texas. For one thing, they don’t have much authority over oil and gas production – which is regulated by federal agencies. And even if they did have jurisdiction, managing an energy crisis is complicated and messy business.

There are many factors contributing to the state’s current energy predicament, but one key factor is undoubtedly low oil prices. State regulators were hoping that higher prices

Conclusion

The legal maze of Texas’ energy crisis shows no sign of ending. Just days after the state’s top regulator announced a new settlement with power producers, another group of state regulators has filed an appeal. The latest round in this long-running dispute hinges on what is known as market power: how much control a company has over the price it can charge for its products. In this case, the two main electricity generators in Texas – Reliant Energy and TXU Energy – are arguing that they don’t have enough market power to justify their current prices. If the appellate court agrees, it could mean big changes for how consumers pay for energy in Texas.

Author

Harry Williams

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Business

RBI Gold Loan Guidelines 2025: What Borrowers Must Know

Published

2 days ago

November 21, 2025

ishasingh1699

Reviewed
By Elena Avery

Introduction

Gold Loans continue to be one of the most accessible credit options in India. With their quick processing and security-backed nature, they’ve helped millions manage short-term financial needs. In 2025, the Reserve Bank of India (RBI) introduced a revised set of Gold Loan guidelines to improve transparency, borrower protection, and uniformity in lending practices. These updates are particularly relevant for anyone considering a Gold Loan, whether for personal emergencies, minor business requirements, or planned expenses.

Understanding RBI’s Tiered LTV Policy

RBI now follows a tiered loan-to-value (LTV) ratio based on the total loan amount. The LTV ratio indicates the percentage of the gold’s value that can be sanctioned as a loan. As per the latest framework:

Loans up to ₹2.5 Lakh: Maximum LTV capped at 85%
Loans between ₹2.5–₹5 Lakh: Maximum LTV capped at 80%
Loans above ₹5 Lakh: LTV restricted to 75%

This change encourages responsible lending and ensures that smaller borrowers can access slightly higher loan amounts relative to the value of gold pledged.

Assessment of Borrower Creditworthiness

While smaller loans up to ₹2.5 Lakh may be offered without detailed credit appraisals, any loan amount exceeding this threshold requires a thorough credit assessment of the borrower’s repayment capacity. This step protects financial institutions and borrowers alike by aligning loan disbursements with the borrower’s ability to repay. Loan renewals or top-up loans can only be sanctioned following such credit assessments and must remain within permissible LTV limits. Bullet repayment loans may only be renewed after accrued interest has been paid.

Valuation and Purity Checks

RBI mandates a standardised process for assaying the gold pledged as collateral. The valuation of the pledged metal must be based solely on its intrinsic value without including stones, gems, or other embellishments. The price used to assess the value of the collateral should reflect its actual purity (caratage). This value must be based on the lower of either the average closing price over the past 30 days or the closing price from the previous day. These prices should be sourced from either the India Bullion and Jewellers Association Ltd. (IBJA) or a commodity exchange regulated by the Securities and Exchange Board of India (SEBI).

If prices for a specific purity are unavailable, valuation should be adjusted proportionately based on the nearest available purity. The assaying procedure and valuation methodology must be consistent across all branches of a lender, and borrowers must be present during assaying. Deductions related to non-metallic components, such as stones or lac, should be explained and documented in a certificate issued to the borrower. The lender is required to issue this certificate in duplicate, one for its records and one for the borrower’s acknowledgement.

Ownership Documentation and Anti-Money Laundering Measures

Lenders are required to ascertain that the ownership of the pledged collateral is not doubtful. Where ownership documents such as purchase bills are unavailable, lenders should obtain a declaration from the borrower affirming rightful ownership. Further, multiple or frequent loans granted to a single borrower aggregating beyond a certain threshold must be closely monitored under anti-money laundering (AML) regulations to prevent misuse or fraud.

Restrictions on Collateral Use and Loan Tenure

The RBI prohibits lending against primary gold, such as financial assets backed by gold ETFs or mutual funds. Collateral that has been pledged to a lender must not be repledged or used to secure loans from other institutions. Additionally, the tenure of consumption loans structured as bullet repayments is capped at 12 months, though renewals are permissible by appropriate regulations.

Collateral Limits for Ornaments and Coins

To mitigate risks linked to collateral management, the maximum aggregate weight of gold ornaments pledged by a borrower should not exceed 1 kilogram. Similarly, limits apply to coins: 50 grams for gold coins.

Settlement, Auction Procedures, and Borrower Protection

Upon full repayment or settlement, lenders must release the pledged collateral within seven working days immediate release on the same day is encouraged wherever possible. Before auctioning pledged items due to non-repayment, lenders are required to notify borrowers or legal heirs, allowing a reasonable time for settlement. Auctions must be conducted transparently with adequate public notice, including advertisements in a regional language newspaper and a national daily. The collateral’s reserve price at auction must not fall below 90% of its current value, except after two failed auctions, where it may be reduced to 85%.

In instances of collateral loss, damage, or discrepancies observed during audits or returns, lenders are mandated to compensate borrowers or their legal heirs promptly. Moreover, if collateral release is delayed due to the lender’s reasons, compensation at the rate of ₹5,000 per day of delay must be made.

Lender Obligations and Disclosure

Loan agreements must comprehensively describe collateral, auction procedures, borrower rights for settlement, timelines for releasing collateral, and applicable charges related to assaying or auctioning. Communication must be provided in the borrower’s regional or preferred language. Lenders must also maintain proper infrastructure and security protocols to store collateral safely and restrict handling to authorised personnel. Periodic internal audits, surprise verification of pledged items, and regular reporting to supervisory boards on unclaimed collateral are essential components of compliance.

Ensuring Borrowers Benefit from Competitive Gold Loan Rates

For borrowers, obtaining the lowest Gold Loan rate requires careful attention to lender policies, transparency in valuation, and adherence to prescribed limits. A practical approach includes using an interest calculator for a Gold Loan to estimate monthly repayments and total interest payable based on the loan amount, LTV ratio, and tenure. This tool helps borrowers compare offers across lenders and choose the most economical option while ensuring loan terms comply with RBI regulations.

Conclusion

The RBI’s updated gold loan guidelines for 2025 contribute to a regulated, transparent, and secure credit system for pledged gold collateral. By setting clear limits on LTV ratios, collateral valuation, borrower assessment, equitable auction processes, and borrower protection measures. The Reserve Bank promotes trust and stability in gold-backed lending. Borrowers are advised to understand these provisions fully and utilise tools such as the interest calculator for a Gold Loan to make prudent borrowing decisions. Adhering to the RBI’s framework will help borrowers secure the lowest Gold Loan rate while protecting their interests throughout the loan lifecycle.

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ishasingh1699

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Finance

FAQs List of Coinbase Support SERVICE (24/7 Talk)

Published

2 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Lucy Coll

Coinbase-Customer-Service-Support-by-Phone-1858-765-8486

Introduction

In the event that one encounters difficulties with their Coinbase account be it transactional anomalies, access impediments, or concerns regarding digital security it becomes imperative to ascertain the proper channels through which support may be expeditiously solicited. Coinbase affords users a multiplicity of remedial avenues, encompassing a continuous, 24-hour telephonic assistance service.

A recurrent query among users pertains to the operational mechanics of this support, the optimal junctures for engagement, and the anticipated procedural outcomes. This compendium of frequently asked questions endeavors to furnish lucid elucidations to the most prevalent inquiries surrounding Coinbase’s customer service apparatus. Regardless of whether one is a neophyte to the cryptographic domain or a seasoned practitioner, this guide is designed to facilitate the acquisition of assistance with both alacrity and security.

Frequently Asked Questions (FAQs) About Coinbase Support Service (24/7 Talk)

Q1. What Is Coinbase’s 24/7 Talk Support?

Coinbase’s 24/7 talk support allows users to call a support agent at any time, day or night. This means if you have trouble with your account, a payment, or need help with security, you can reach a live person who can guide you through the issue. This service is useful for urgent matters that cannot wait for email or chat replies.

Q2. How Do I Reach Coinbase Support by Phone?

To call Coinbase support, you usually go through the Help Center on the Cryptocurrency exchange

website. There, you may find an option to “Request a Call” if phone support is available for your account and region. Once you click that, Coinbase arranges a support agent to call you back. This method ensures you are reaching the real support team and not giving your number to a random person.

Q3. Is the Coinbase 24/7 Number the Same for Everyone?

No, it may not be the same for every user. The number or call-back method you get depends on:

Your geographic location
Your account type (regular user, Coinbase Pro, Coinbase One)
The type of issue you raise
Because of this, Cryptocurrency exchange often uses dynamic call‑back options rather than listing a single global number for all users.

Q4. Is There a Direct Public Phone Number Listed for Coinbase 24/7 Support?

Coinbase no longer widely publishes a fixed public phone number for all customer service calls. Instead, it prefers users to go through its Help Center to request a call. This helps reduce fraud risk and ensures users connect with genuine support agents. Be careful of unofficial numbers circulating online, as they may be scams.

Q5. How Do I Request a Support Call Back From Coinbase?

To request a call back:

Go to Coinbase Help Center while logged into your account.
Find the category that matches your problem (for example, account issues, security, transactions).
Click on “Contact Us” or “Get Help.”
Select “Request a Call” if available for your issue.
Provide your phone number and submit the request.

Coinbase support will then call you back, usually within a short time.

Q6. Do I Need to Pay for Coinbase 24/7 Support Calls?

No, Coinbase does not charge users for support calls. The call-back service is part of its customer support, and legitimate calls from Coinbase support agents are free. But you should always make sure you are calling or receiving calls from the correct source to avoid fraudulent calls that may try to scam you.

Q7. What Kind of Issues Can Be Handled Over a 24/7 Call?

You can get help for many different issues:

Account access or login problems
Identity verification or KYC issues
Payment or deposit problems
Withdrawal delays or errors
Security concerns, like 2FA or phishing
Transaction status checks
Any urgent or complicated issue that needs live assistance

Some very technical questions might be escalated, but a 24/7 agent can help guide you or pass the case on as needed.

Q8. Is 24/7 Support Available for All Coinbase Users?

Not necessarily. While Coinbase does offer 24/7 support in many places, it depends on:

Your country or region
Your user level (some features may be limited for free or new accounts)
The type of support plan you have (for example, Coinbase One or premium users may get faster service)

Always check in the Help Center to confirm whether 24/7 call-back is offered for your account.

Q9. How Can I Prepare Before the Support Call?

Preparing well can make the call faster and more effective. Here are some tips:

Write down your issue clearly (what happened, when, and how)
Have your Coinbase-registered email or phone ready
Note any transaction IDs, transaction dates, or screenshots if you can
Keep your device nearby in case you need to log in or share information
Never share your password, private keys, or one-time codes

Being ready helps you get a helpful response faster.

Q10. How Long Does It Usually Take for the Support Agent to Call Back?

The wait time for a callback can vary based on how many users are asking for help, where you are, and what kind of problem you have. In many cases, you may get a return call within minutes or up to a few hours. For urgent or high-severity cases, the response tends to be faster.

Q11. What Should I Do If the Agent Asks for My Password or Private Key?

You should never share sensitive data like your password, private keys, or wallet seed phrase. Real Coinbase support agents will never ask for this kind of personal or security information. If anyone asks for these details, it is a red flag for fraud. Politely end the call and report the number or incident to Coinbase directly via their official help portal.

Q12. Can I Use 24/7 Support for Fraud or Scam Reports?

Yes. If you believe you are being targeted by a scam or if your account has been compromised, contacting Coinbase support via the call-back option is one of the best steps to take. A support agent can help you secure your account, pause transactions, or escalate the matter to Coinbase’s security team.

Conclusion

Coinbase’s 24/7 talk support is a vital lifeline for users who need help with urgent account issues, security concerns, or transaction problems. By understanding how the call-back system works, preparing in advance, and recognizing genuine agents, you can get the help you need quickly and safely. Remember never to share passwords or private keys, and always use Coinbase’s official Help Center to start the support process. With the right approach, you can navigate issues with confidence and make full use of Coinbase’s round‑the‑clock service.

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coinbasetollfree

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Finance

Full List of Coinbase Help Desk Number USA Numbers

Published

2 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Mila Parker

Introduction

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