As new forms of credit become available to Texas consumers, the OCCC helps the public understand their rights and responsibilities.

Common Consumer Tasks

Complaint Resolution Process
The Texas Office of Consumer Credit Commissioner answers questions and assists Texas consumers in resolving issues against regulated companies in Texas concerning pawn transactions, secondary mortgage and home equity loans, motor vehicle sales financing, and property tax loans. We also oversee businesses that offer payday and auto title loans, debt management and debt settlement providers, crafted precious metal dealers, and registered creditors. We protect consumers and assist creditors in resolving complaints and disputes.

Consumer Assistance Helpline
Consumers can contact us with questions by calling our helpline or emailing us.

File a Complaint or Concern with the OCCC
Consumer Assistance (complaints and concerns)This department assists consumers who have experienced misrepresentation, fraud, and deceptive practices on the part of the businesses we regulate.

Consumer Brochures
These brochures are educational tools to assist with understanding consumer rights and responsibilities and are available in English and Spanish for both consumers and licensees.

Consumer Education
Today's consumers face an astonishing array of credit products; a basic education in credit products and principles prepares consumers to better understand their choices and obligations.

Consumer FAQs
Get answers to questions about filing complaints.

Debt Collection Practices
The OCCC frequently receives questions and complaints from consumers about the negative debt collection practices they experience. If you have complaints about the collection practices of an OCCC licensed lender, please call the Consumer Assistance Helpline.

Helpful Links
Various resources are shown here for consumers seeking complaint assistance beyond the OCCC, credit counseling, information on buying a home, industry trade association links and more.

Need A Speaker?
The OCCC can provide your organization with a speaker and/or exhibitor at your next event–at no cost to you! We can make a presentation to your group of at least 15 people (in English or Spanish).

Texas Financial Education Endowment Grant Program (TFEE)
In 2012, the Texas Legislature established the Texas Financial Education Endowment (TFEE) to support statewide financial capability and consumer credit building activities and programs.