Frequently asked questions about ALECS and your account creation or renewal process. These questions are broken down by industry as much as possible.

Credit Access Business FAQ

Q: What is a Credit Access Business?
A: Credit access businesses obtain credit for a consumer from an independent third-party lender in the form of a deferred presentment transaction or a motor vehicle title loan, more commonly referred to as “payday loans” or “title loans.”:

Q: What is a Third Party Lender(s) Information?
A: Organization(s) with which the business contracts to provide services described by Section 393.602(a) or from which the business arranges extensions of customer credit described by Section 393.602(a).

Q: What is CSO Information?
A: Each Credit Access Business (CAB) location must be registered with the Texas Secretary of State as a Credit Services Organization.

 

Motor Vehicle Financing FAQ

Q. What documents will I need to upload when I apply?
A. Please See: New Application Checklist

Q. How do I get a Certificate of Good Standing?
A. For a Certificate of Good Standing: search The Texas Comptroller of Public Accounts for your Franchise Tax Account Status 

Q. Who is my Statutory Agent?
A.  The person your company chooses to receive legal correspondence at a physical location other than the licensed location.

Q. Where do I get a copy of an Assumed Name certificate?
A. For Assumed Name Certificate: The Secretary of State Corporations Section

Q. What is a loan document?
A. The retail installment contract you plan to use to finance vehicles. Please upload a sample copy. For software programs have been reviewed for compliance: Reviewed Motor Vehicle Software Vendors

Renewal for Motor Vehicle Sales Finance

Q. How much does the renewal cost?
A. $391 per License Location (1st location) and $365 per Registered Office (Additional locations)

Q. Why is the fee higher than last year?
A.
 $460 is the legally allowed renewal cost. There is a 15% discount this year. Last year there was a greater discount.

Q. I just created an account, but can't renew. Why?
A.
  Please allow 1-3 business days. You will be emailed as soon as your business link is approved.

Detailed Explanation:
Under the dashboard tab, there is a line item that says "claim business". That means you entered either the company FEIN or the sole proprietor's SSN as prompted, and a request was sent to the OCCC to allow you access to the company information. Once the request is approved, you will be able to renew, and when you log in, ou will see your company master file number above the dashboard tab.

Q. I can't pay. I saw the pay option, but I can't see it anymore.
A.
 From dashboard, click on the tab "My Business Transactions". Click on the line item that shows your renewal was initiated. Click on pay to proceed.

Q. What is the Motor Vehicle renewal due date?
A.
 July 1st. However, there is a grace period until July 31st. If licenses are not renewed by July 1st, delinquency notices will be mailed.

 

Regulated Industries FAQ

Q. What is the status of my application?
A.
If you applied online: Please log into ALECS. Your application status is under the dashboard tab.
If you mailed in your application: Please email licensing@occc.texas.gov with the subject line "Application Status". Include any or all of the following:

  1. Master file number
  2. Application ID number
  3. Date you check cleared
  4. Licensee name listed on the application
  5. DBA

 

Registered Creditors FAQ

Q. How do I renew?
A.
Login or create an account at https://alecs.occc.texas.gov/.  From the menu on the left, click “Manage my Business” then under the heading “Registration” click “Registration Renewal.” From the drop down menu at the top next to “Registration Type” select “Registered Creditor.”  Your Registrations will pop up and you can select which ones to renew, click the box accepting terms and conditions then click “Registration Renewal” at the bottom.  You will them be prompted to pay. A renewal packet will be sent to you at the address on file each September. To ensure that you receive this packet, please be sure to login to ALECS and update your address.

Q.  How do I get my certificate and where does it go?
A.
Once you have registered or renewed, you must log into ALECS to print the certificate. Display it in a prominent location, readily visible to consumers.

Q.  I have closed my business and am not selling anymore or I am open but not selling on credit anymore. Do I have to renew my registration?
A.
If you still have any contracts on your books or are collecting on contracts from when you were doing credit business, you do need to renew. If you are not holding or collecting on any contracts, you do not need to renew, but you do need to notify the OCCC in writing that you are no longer selling on credit.

Q.  When would I have to pay the $250 late filing fee?
A.
The $250 fee is due if you fail to renew on time (December 1st of each year). The OCCC mails renewal packets in September of each year.

Q.  What if I have more questions or need more information?
A.
 Contact the OCCC licensing and registration section at 512.936.7605 or email ann.harrington@occc.texas.gov.

 

New Applications FAQ

Q.  What documents will I need to upload when I apply?
A.
 Please see the New Application Checklist under your industry's page.

Q.  What is a principal party?
A.
 Who or what a principal party is varies by entity type, but every license type has the same principal party disclosure requirements. The requirements are in the Texas Administrative Code.

Q.  How do I get a Certificate of Good Standing?
A.
 For a Certificate of Good Standing: search The Texas Comptroller of Public Accounts for your Franchise Tax Account Status.

Q.  Who is my Statutory Agent?
A.
 The person your company chooses to receive legal correspondence at a physical location other than the licensed location.

Q.  Where do I get a copy of an Assumed Name certificate?
A.
 The Secretary of State or your County Clerk.

Q.  What is a loan document? (Specific to Motor Vehicle Sales Finance)
A.
 The retail installment contract you plan to use to finance vehicles. Please upload a sample copy. For software programs have been reviewed for compliance: Reviewed Motor Vehicle Software Vendors.

Q.  I can't pay. The principal party can't create an account, or the account isn't working.
A.
 You will need to email the principal party required forms (see form links above) to an OCCC licensing staff member, who can upload the documents to allow you to pay. Please call the licensing department at 512-936-7605 when you have the required forms, and are ready to email them to be uploaded.

 

Current Licensees with ALECS accounts FAQ

Q.  How do I add a location?
A.
 Log into your account and select "submit application", then select your license type.
Note: The questions about prior financing are specific to the new location, not your current location.

Q.  How do I change a location address?
A.
 Under the tab "Manage My Business", select "Modify License Location".

Q.  How do I change the mailing address?
A.
 Under the tab "Manage My Business", select "Change Master Details" under the heading "Common".

Q.  How do I change the Compliance Officer?
A.
 Under the tab "Manage My Business", select "Change Compliance Details" under the heading "Common".

General

Q.  What is a Statutory Agent?
A.
 The person your company chooses to receive legal correspondence at a physical location other than the licensed location.

  • The person or entity to whom any legal notice may be delivered.
  • The agent must be a Texas resident and list an address for legal service.
  • If the registered agent is a natural person, the address must be a different address than the licensed location address.
  • If the applicant is a corporation or a limited liability company, the registered agent should be the one on file with the Office of the Texas Secretary of State.

Note: The Statutory Agent cannot be the applying entity unless the applicant is a sole proprietor. For more information lookup: TAC Rule §83.3002 (1) (A) (iii)

 

Q.  What is a Principal Party?
A.
 Who or what a principal party is varies by entity type, but every license type has the same principal party disclosure requirements. The requirements are in the Texas Administrative Code.
Specific Rules:

  • TAC Rule §83.3001 Credit Access Business
  • TAC Rule §84.601 Commercial Motor Vehicle Sales Finance
  • TAC Rule §84.601 Motor Vehicle Sales Finance
  • TAC Rule §85.202 Pawnshop
  • TAC Rule §89.301 Property Tax
  • TAC Rule §83.301 Regulated Lender

Q. When and how do I get a fingerprint appointment?
A. See the finger print page for information.

Pawn FAQ

Q.  Can I begin conducting business while my application is being processed?
A.
 No.
Texas Finance Code Sec. 371.051

Q.  What are the fees for a new pawnshop application?
A.
 There is an Investigation Fee of $500 if the applicant does not hold a license, $250 for an additional license or if the application involves substantially identical principals and owners of a licensed pawnshop at a separate location.

The Assessment fee for a pawnshop is $625.
Texas Finance Code Sec. 371.055

Q.  What are the distance requirements for a new pawnshop?
A.
 TAC Rule §85.202 (c) defines distance requirements for a new pawnshop based on the population of the county according to the most recent decennial census.
A county with a population of less than 250,000 can operate within the county regardless of distance from another operating pawnshop;
A county with a population of 250,000 or more cannot be approved if less than two miles from another operating pawnshop.

Q.  What are the distance requirements for pawnshop relocations?
A.
 TAC Rule §85.203 (f) states the distance requirements based upon the size of the county for the proposed facility, whether the pawnshop was in operation, and length of time that the pawnshop was operating continuously at the current location.

Q.  How are distances measured?
A.
 Texas Finance Code Sec. 371.059 (d), TAC Rule §85.202 (c), TAC Rule §85.203 (f) Distances will be measured in a direct line despite travel patterns and natural or manmade obstacles and will be measured from front door to front door.

Q.  How do I measure distance for a facility not in existence?
A.
 Texas Finance Code Sec. 371.059 (d) For a facility not in existence at the time the application is filed, the location of the front door of the proposed facility must be indicated on architectural drawings or comparable professionally prepared drawings depicting the facility and the entire boundary of the lot or parcel of land to which the facility is to be attached.

Q.  Are surveys required?
A.
 The Commissioner may require a survey to determine distances from the proposed pawnshop to existing Active pawnshops.

Q.  What is a pawn notice?
A.
 Texas Finance Code Sec. 371.057 requires notification to the Department of Public Safety of the State of Texas, each local law enforcement agency in the county in which the business is to be conducted; and each pawnbroker in the county in which the applicant pawnshop is to be located.

Q.  What is the fee for a pawn notice?
A.
 The fee is determined by the number of pawnshops in the county in which the business is to be conducted.

Q.  What is the net asset requirement for a new pawnshop?
A.
 Texas Finance Code Sec. 371.072 (a) The applicant must maintain net assets of at least $150,000 that are used or readily available for use in the business of each pawnshop.

Q.  Does the net asset requirement remain the same for licenses being transferred?
A.
 Yes. Texas Finance Code Sec. 371.72 (b) The net assets requirement of this subsection remains in effect without regard to a change in ownership or relocation of the license.

 

Pawnshop Employee FAQ

Q.  My employee isn’t listed to be renewed. What do I do?
A.
 Do an advanced search in ALECS to be sure the employee is listed at your company here. If the employee isn’t listed at your company, they need to update employment. A guide is here.

Q.  How do I print my employee's license?
A.
 You cannot. Employees can print their license from their own account. A guide for them to create one is here.

Q.  Employee status is canceled in a search, but the license was renewed last year. What do I do?
A.
 Email proof last year’s payment cleared with the employee license number to JMcClain@occc.texas.gov.

Q.  I show pawn employees who don't work for me anymore available to renew. What do I need to do?
A.
 List them as inactive under “Manage My Business”.

Q.  Do the employees need to sign the renewal forms or answer questions like previous years?
A.
 No.

Q.  Employee who applied isn't licensed yet. Do they need to renew?
A.
 No.

Q.  When is the fee due?
A.
 No later than June 30th.

 

 

Finger Print FAQ

Q.  When do I get a fingerprint appointment?
A.
 After you submit your application.

Q.  How do I get a fingerprint appointment?
A.
 Instructions are on the form provided on this website. Click Here

Q.   I think my prints are on file. Do I need an appointment?
A.
 If your OCCC license expired, you never had an OCCC license, or you had a print appointment that was not specifically for the OCCC, you need an appointment.
2 Exceptions:

  1. If you have a current OCCC license, you don’t need an appointment.
  2. If you have a current application, and had a finger print appointment for that application.

 

 

 

Q.  What do I do after the appointment?
A.
  Just keep proof of the appointment(s) until you are licensed.

Q.  What do I send the OCCC after the appointment?
A.
 Nothing.

Q.   I had the print appointment. When will I have a license?
A.
  After the application is assigned to a reviewer, determined complete by the reviewer, submitted to final review, and it is determined by final review that you qualify for a license.

  • You will be emailed if further information is needed.
  • You will be emailed if your application is approved.