Jpmorgan Chase Bank, N.A. v. City of Corsicana and Navarro County

CourtTexas Supreme Court
DecidedMay 8, 2026
Docket24-0102
StatusPublished
AuthorBlacklock

This text of Jpmorgan Chase Bank, N.A. v. City of Corsicana and Navarro County (Jpmorgan Chase Bank, N.A. v. City of Corsicana and Navarro County) is published on Counsel Stack Legal Research, covering Texas Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Jpmorgan Chase Bank, N.A. v. City of Corsicana and Navarro County, (Tex. 2026).

Opinion

Supreme Court of Texas ══════════ No. 24-0102 ══════════

JPMorgan Chase Bank, N.A., Petitioner,

v.

City of Corsicana and Navarro County, Respondents

═══════════════════════════════════════ On Petition for Review from the Court of Appeals for the Tenth District of Texas ═══════════════════════════════════════

Argued September 11, 2025

CHIEF JUSTICE BLACKLOCK delivered the opinion of the Court.

Justice Lehrmann and Justice Devine did not participate in the decision.

Several clauses of the Texas Constitution require that public money be used only for public purposes. Known as the Gift Clauses, these nineteenth-century provisions arose from skepticism about entanglement between public funds and private enterprise. This Court has derived three principles from the text and history of the Gift Clauses. A grant of money to a private entity must not be gratuitous; its predominant objective must be to accomplish a legitimate public purpose; and the government must retain control over the funds to ensure that the public purpose is served. See Borgelt v. Aus. Firefighters Ass’n, 692 S.W.3d 288, 301 (Tex. 2024). In 1987, Texans ratified article III, section 52-a, which authorizes the legislature to permit “loans and grants of public money” for, as relevant here, “the public purposes of development and diversification of the economy.” Until today, this Court had not addressed the provision. This case asks whether our longstanding Gift Clause precedents continue to govern the economic-development grants and loans authorized by section 52-a. The answer is yes. Economic- development grants authorized by section 52-a remain subject to the Gift Clauses’ requirements. As explained below, section 52-a was adopted primarily to establish that “development and diversification of the economy” would qualify as a legitimate public purpose under this Court’s pre-existing Gift Clause cases. Nothing in section 52-a’s text or history indicates a desire to exempt economic-development projects from the kind of constitutional scrutiny to which the Gift Clauses subject all public expenditures in Texas. The Gift Clauses’ prohibition on gratuities and requirement of adequate controls therefore continue to apply when state and local governments spend public funds on economic development. The court of appeals resolved this threshold legal question correctly. We disagree, however, with its application of our Gift Clause precedent to the circumstances of this case. To spur development of a large new shopping center, the City of Corsicana and Navarro County

2 pledged future sales-tax revenues to finance the construction of a Gander Mountain store to anchor the shopping center. When the Gander Mountain store closed after eleven years in business, the City and the County stopped making payments under the theory that the store’s closure extinguished the public purpose of the economic- development agreements. The lower courts agreed with the City and County and granted summary judgment. We take a different view. The City and County could have negotiated an agreement that made continued payments contingent on continued operation of the planned Gander Mountain store. They did not. Even so, the government cannot make an unconstitutional payment merely because a contract purports to require it. But the constitutional question in this case, as distinct from the contractual question, cannot be neatly reduced to whether a particular Gander Mountain store continued to operate throughout the life of the parties’ agreements. What matters for constitutional purposes is whether: (1) the expenditure is not gratuitous but instead brings a public benefit; (2) the predominant objective is to accomplish a legitimate public purpose, not to provide a benefit to a private party; and (3) the government retains control over the funds to ensure that the public purpose is in fact accomplished. Borgelt, 692 S.W.3d at 301. This constitutional inquiry does not ask whether the parties’ economic expectations for the project have come to pass precisely as initially envisioned. Instead, courts assessing the constitutionality of an economic-development deal must take into account not merely the parties’ contractual goals but also any other facts indicating whether the deal was genuinely designed to, and

3 actually did, advance the public purpose of economic development, which the people of Texas have declared a valid public purpose. In this case, despite the Gander Mountain store’s eventual failure, the disputed grants apparently facilitated the development of a shopping center that has generated considerable economic activity and tax revenue both during and after Gander Mountain’s eleven-year occupancy of the site. The closure of the particular business envisioned at the outset of the arrangement does not, as a constitutional matter, establish that the project serves no public purpose or that its controls were constitutionally inadequate. Summary judgment for the City and County was therefore improper. The judgments below are reversed, and the case is remanded to the district court for further proceedings consistent with this opinion.

I.

In December 2003, the Corsicana Chamber of Commerce pitched now-defunct outdoor retailer Gander Mountain on a $16 million incentive package to develop a flagship store in Corsicana. The Gander Mountain, together with a planned Home Depot, would anchor a 132-acre business park called “Corsicana Crossing.” In return, Gander Mountain would receive 2% of the sales tax from its store and the Home Depot and 1% of the sales tax from any new development, among other incentives. Within a few months, the City of Corsicana and Navarro County authorized agreements with the Corsicana Industrial Foundation—a nonprofit corporation that owned the project site—to build the Gander Mountain facility. The City granted the Foundation 1.5% of the sales

4 tax generated by Gander Mountain and Home Depot and 0.75% from other businesses in the shopping center. Navarro County granted 0.5% and 0.25%, respectively. The Foundation agreed to use the dedicated funds solely to repay debt incurred for the facility’s construction. To that end, the agreements required the City and County to deposit the pledged sales-tax proceeds into a “Grant Fund,” into which all grant proceeds were placed and from which funds could be withdrawn only to pay the construction-loan debt. The agreements’ stated purpose was “to facilitate the development of the Retail Center and assist in the implementation of the economic-development objectives of the” City and County. A few months later, the City, County, Foundation, and Gander Mountain executed another agreement. This agreement stated that it was “in the public interest to promote the economic development of the Gander Mountain Facility” and to commit portions of sales-tax revenue “to facilitate such economic development.” Payments would begin “following the completion and opening of Gander Mountain.” In return, the Foundation agreed to take out a $10 million construction loan—with the tax payments pledged as security—and to use the money solely for constructing the facility. At the same time, the Foundation and Gander Mountain executed a lease for the site. The base rent equaled the quarterly loan payment minus the sales-tax grants. Gander Mountain could purchase the premises for $1 once the loan was paid off or the lease expired. The lease

5 also anticipated a separate development agreement that would set out each party’s obligations concerning the project.1 The store opened in August 2004, and things worked as planned for the next eleven years. Gander Mountain operated continuously; the City and County together paid about $150,000 per quarter in sales-tax revenues to the Foundation; and the Foundation used the money to service the loan.

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Jpmorgan Chase Bank, N.A. v. City of Corsicana and Navarro County, Counsel Stack Legal Research, https://law.counselstack.com/opinion/jpmorgan-chase-bank-na-v-city-of-corsicana-and-navarro-county-tex-2026.