If you aren't using the Texas Mortgage Servicers Payoff Form (7 TAC section 155.2) form for payoff requests from title companies, you aren't in compliance with the law.
Because there's a bunch of stuff on the form that has nothing to do with non-real estate loans, I can't imagine that you are giving that form on all your payoffs.
My core initially didn't have the Mortgage servicers payoff form programmed in, and we had to manually complete a pdf copy, but it wasn't difficult.
The link Randy gave is out of bounds on my firewall -- but this is a fillable pdf from TBA that we used to complete. You can net out the payoff in reductions in amount due. (or not).http://www.texasbankers.com/docs/section_155_2_c_6_payoff_form.pdf