TX-OCCC license and registration applications are completed and submitted online through the electronic licensing system. Paper application forms are not available.
For access to the application licensing system, application checklists, resources, and other items you may need to enter or upload during the application process, please select your industry below:
Commercial Motor Vehicle Sales Finance
A commercial motor vehicle installment sale is a financed commercial vehicle sale that is not primarily for personal, family, or household use. Both the retail seller and any subsequent holder of the retail installment contract must be licensed. A sale may be considered financed when the buyer agrees to pay over time, even if no finance charge is assessed.*
Anyone operating as a crafted precious metal dealer in the State of Texas must register with the Office of Consumer Credit Commissioner (OCCC).*
Credit Access Businesses
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.”*
Debt Management & Settlement Providers
A motor vehicle sales finance license is required for sellers and holders of retail installment contracts, including Buy Here Pay Here dealers, dealers assigning contracts, and acceptance companies. A sale may be considered financed when the buyer agrees to pay over time, even without interest or finance charges. See the laws, statutes, and rules below for more information, including resale exceptions.*
Pawn Shops
A pawn shop is a business that gives customers short-term loans in exchange for personal property used as collateral.*
A property tax lender provides or negotiates loans to help property owners pay due or delinquent property taxes and may charge authorized fees, interest, or other expenses in connection with the loan.*
Retailers that finance the sale of goods or services by allowing customers to pay over time must register with the OCCC within 60 days of beginning financing. This includes retailers that originate, service, or collect retail installment agreements, as well as retailers that offer financing through third-party lenders.*
Refund anticipation lenders provide loans against anticipated tax refunds and must be engaged in the business of preparing tax returns. They must also display and discuss applicable fee schedules and may use a federal preemption structure.*
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. *
An individual who takes a residential mortgage loan application and offers or negotiates terms of a residential mortgage loan for compensation or gain is considered a RMLO. *
Please note that TX-OCCC staff are unable to determine or advise which license or registration a business should apply for. This determination must be made by the applicant based on its own assessment of its business activities and applicable regulatory requirements.
If you have specific legal questions, please seek the advice of an attorney.
*This is a brief description of the industry and is provided for general informational purposes only. Additional requirements, definitions, and compliance obligations may be found in the applicable statutes and rules.
If a background check is required, your reviewer will send you instructions electronically via the licensing system.