The following publications and rates are issued by the OCCC

Texas Credit Letter

The Texas Credit Letter is published each Tuesday by the Office of Consumer Credit Commissioner and reports rate ceilings for future weeks.  On a quarterly basis (Feb, May, Aug, Nov), the rates below are calculated by the Consumer Credit Commissioner using the formulas found in the Texas Finance Code, and reported in the Texas Credit Letter.

Judgment Rate (current) Retail Credit Card Quarterly Rate
Weekly Rate Lender Credit Card Quarterly Rate
Monthly Rate Standard Annual Rate
Standard Quarterly Rate Retail Credit Card Annual Rate

Rate Bracket Adjustments

The interest rate brackets used by the OCCC licensees are adjusted each year to reflect changes in the Consumer Price Index.  These revised ceilings and brackets are published in the Texas Credit Letter typically in March and go into effect in July. Historical data for maximum ceilings and bracket amounts for Title 4, Subtitle B can be found in these archived Texas Credit Letters

Market Competitive Rate Ceiling

This rate ceiling applies to open-ended retail charge agreements. This rate ceiling structure may be used as an alternative to the maximum rate/amount authorized for a time price differential under Section 345.103.

Rate Charts

As appropriate, rate charts can be found on respective industry pages.