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 Notices

Pawnshop Rule Review (posted March 6, 2026)
The OCCC intends to conduct a rule review regarding pawnshops. The OCCC will accept informal comments on the rule review until April 2, 2026.

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 (published March 6, 2026)

The Finance Commission voted to publish these rules for comment at its February 20, 2026 meeting. The OCCC will accept official comments on the rules until 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.

Motor Vehicle License Term Adjustment (published March 6, 2026)

The Finance Commission voted to publish these rule amendments for comment at its February 20, 2026 meeting. The OCCC will accept official comments on the rule amendments until 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.

Regulated Lender Rule Review (published March 6, 2026)

The Finance Commission voted to publish these rule amendments for comment at its February 20, 2026 meeting. The OCCC will accept official comments on the rule amendments until 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.

Recently Adopted Rules (2025-2026)