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TEXAS OFFICE of CONSUMER CREDIT COMMISSIONER

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  • Property Tax Lenders

Property Tax Lenders

A property tax lender makes loans to property owners to pay delinquent or due property taxes. The lender receives a superior tax lien allowing it to foreclose on the property if the loan is not repaid on time.

A property tax lender is a person who engages in the business of making, transacting, or negotiating property tax loans; or contracts for, charges, or receives, directly or indirectly, in connection with a property tax loan subject to chapter 351 of the Finance Code, a charge, including interest, compensation, consideration, or another expense, authorized under this chapter.  

These lenders facilitate loans to property owners to pay off property taxes when the property owner can't pay. Property tax lenders will make loans against due or delinquent property taxes. 

Resources

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

Reporting

 

Administrative Action Report

Property Tax Lender Administrative Action Report - Fiscal Year 2018

Statutes & Rules

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

Primary State Statute
Chapter 32, Texas Tax Code: Tax Liens and Personal Liability 
Chapter 351, Texas Finance Code: Property Tax Lenders

OCCC's Rules
Title 7, Chapter 89, Texas Administrative Code

Other State Statutes
Texas Legislature Online

Federal Statutes & Rules
U.S. Government Publishing Office

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Licensee Portal 

ALECS(New Applications/Existing Licensees)


Step by step guides:

Create ALECS Account 

File  Annual Report


Licensee Search 

Important Dates

December 1 - Renewal Opens
December 31 - Renewal Closes 
   ****Licenses not renewed by midnight will Cancel***
January 1- Reinstatement* period opens
Licenses not renewed by Dec 31, have 180 days after the cancellation date at midnight to reinstate* their cancelled license(s). Licenses not reinstated not later than the 180th day after its expiration date (Dec 31) will Cancel-Non Renewable and you will need to reapply.

*Reinstatement - $1,000 late filing fee + the renewal fee for each license you are reinstating.

Annual Report-Due March 31st

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