Regulated consumer loans are made at rates of interest greater than 10%. Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. The most common types of regulated loans are made under one of two rate structures described in Chapter 342 of the Texas Finance Code


Effective September 1, 2015, all applications for a new license or registration must be submitted through the online system "ALECS" (Application, Licensing, Examination, Compliance System). Any paper application received that is postmarked September 1, 2015 or later will be returned to the applicant with instructions for re-filing.

Licensing Forms

Advisory Bulletins


Examination Process

Approved Regulated Loan Software Vendors


Statutes & Rules

These are the primary statutes and rules that apply to regulated lenders. This is not a complete list of laws that regulated lenders are required to comply with.

Primary State Statute
Chapter 342, Texas Finance Code: Consumer Loans

OCCC's Rules
Title 7, Chapter 83, Texas Administrative Code

Other State Statutes
Texas Legislature Online 

Federal Statutes & Rules
U.S. Government Publishing Office