Recent and Upcoming Rules

Below you will find copies of recent and upcoming rules, as well as notices of upcoming stakeholder meetings on rules. Video of stakeholder webinars is available here. Rules that have gone into effect are available in the Texas Administrative Code.

If you’d like to be included on an email list for OCCC rule updates, send an email to rule.comments@occc.texas.gov, stating which industry you’d like rule updates on (e.g., motor vehicle sales finance, credit access businesses).

Rule Review Notice

RMLO Rule Review (published Feb. 6, 2026)
The OCCC is conducting a rule review regarding residential mortgage loan originators (RMLOs). The OCCC will accept official comments on the rule review until March 8, 2026.

Proposals

Commercial Sales-Based Financing Rules (posted Feb. 11, 2026)

The Finance Commission voted to publish these rules for comment at its February 20, 2026 meeting. The official comment period will begin on March 6 (when the rules are published in the Texas Register) and will end on April 5. Video of the OCCC’s January 28 webinar on the rules is available here.

Summary: These proposed rules contain requirements for commercial sales-based financing providers and brokers to implement Chapter 398 of the Texas Finance Code and HB 700 (2025).

• Registration: The rules require providers and brokers to register through the Nationwide Multistate Licensing System (NMLS).
• Disclosures: The rules require providers to provide accurate disclosures including the OCCC’s contact information.
• Recordkeeping: The rules require providers and brokers to maintain a transaction file for each recipient and other business records.
• Unfair, deceptive, and abusive practices: The rules prohibit unfair, deceptive, and abusive practices, including false, misleading, or inaccurate statements, failure to perform contracted services, and charges that were not disclosed.
• Prohibition of certain automatic debits: The rules prohibit a provider from making certain automatic debits of a recipient’s deposit account.
• Administration and enforcement: The rules authorize the OCCC to take complaints, conduct investigations, and take enforcement actions, including injunctions, penalties, and revocations.

Resumen en español: Estas reglas propuestas contienen requisitos para que los proveedores y corredores de financiamiento de ventas comerciales implementen el Capítulo 398 del Código Financiero de Texas y HB 700 (2025).

• Registro: Las reglas exigen que los proveedores y corredores se registren a través del Sistema Nacional de Licencias Hipotecarias y Registro (NMLS).
• Divulgaciones: Las reglas exigen que los proveedores proporcionen información precisa, incluyendo la información de contacto de la OCCC.
• Mantenimiento de registros: Las reglas exigen que los proveedores y corredores mantengan un archivo de transacciones para cada beneficiario y otros registros comerciales.
• Prácticas injustas, engañosas y abusivas: Las reglas prohíben las prácticas injustas, engañosas y abusivas, incluyendo declaraciones falsas, engañosas o inexactas, el incumplimiento de los servicios contratados y los cargos no divulgados.
• Prohibición de ciertos débitos automáticos: Las reglas prohíben que un proveedor realice ciertos débitos automáticos de la cuenta de depósito de un beneficiario.
• Administración y cumplimiento: Las reglas autorizan a la OCCC a recibir quejas, realizar investigaciones y tomar medidas de cumplimiento, incluidas medidas cautelares, sanciones y revocaciones.

Motor Vehicle License Term Adjustment (posted Feb. 11, 2026)

The Finance Commission voted to publish these rule amendments for comment at its February 20, 2026 meeting. The official comment period will begin on March 6 (when the rules are published in the Texas Register) and will end on April 5.

Summary: These proposed amendments would adjust the license term for a motor vehicle sales finance license and a commercial vehicle sales finance license. Currently, these licenses have a one-year term and expire on October 31. These amendments would adjust the license term to expire on December 31.

Resumen en español: Estas enmiendas propuestas ajustarían la vigencia de las licencias de financiamiento de ventas de vehículos automotores y de vehículos comerciales. Actualmente, estas licencias tienen una vigencia de un año y vencen el 31 de octubre. Estas enmiendas ajustarían la vigencia de las licencias para que venza el 31 de diciembre.

Regulated Lender Rule Review (posted Feb. 11, 2026)

The Finance Commission voted to publish these rule amendments for comment at its February 20, 2026 meeting. The official comment period will begin on March 6 (when the rules are published in the Texas Register) and will end on April 5. 

Summary: The Finance Commission reviewed its rules for regulated lenders. These proposed amendments are based on the rule review. Proposed amendments to recordkeeping requirements would require licensees to maintain information security procedures and data breach notifications. The amendments would make other technical changes and updates.

Resumen en español: La Comisión de Finanzas revisó sus reglas para los prestamistas regulados. Estas enmiendas propuestas se basan en la revisión de las reglas. Las enmiendas propuestas a los requisitos de registro exigirían que los licenciatarios mantengan procedimientos de seguridad de la información y notificaciones de violación de datos. Las enmiendas harían otros cambios técnicos y actualizaciones.

Recently Adopted Rules (2025-2026)