Alice M. Wood and Daniel L. Wood v. Hsbc Bank USA, N.a. and Ocwen Loan Servicing, L.L.C.

Summary

The Texas Supreme Court held that a homestead lien securing a constitutionally non‑compliant home‑equity loan is void until the loan’s defects are cured, so no statute of limitations bars a quiet‑title action, and it foreclosed the Woods’ declaratory‑judgment claim for forfeiture. A dissent argued the opposite, contending that the four‑year limitations period applies and that the forfeiture claim should not be barred.