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The Office of Consumer Credit Commissioner computes maximum interest rate ceilings in accordance with state law and publishes those ceilings on a weekly basis. Creditors may contract for, charge, or receive a rate or amount that does not exceed the applicable rate ceiling unless other law authorizes a higher rate or amount. The maximum rate ceilings are filed with the Texas Register in accordance with Texas Finance Code ยง303.011 and published in the Texas Credit Letter. These summaries show applicable interest rates for specific time periods.