All businesses licensed by the Office of Consumer Credit Commissioner (OCCC) are examined on a periodic basis. An examination consists of a review of a representative sample of the licensee’s financing-related documents by an OCCC examiner. Following are some of the most common questions about the examination process.
All businesses licensed by the Office of Consumer Credit Commissioner (OCCC) are examined on a periodic basis. An examination consists of a review of a representative sample of the licensee’s financing-related documents by an OCCC examiner. Following are some of the most common questions about the examination process.
As a supplement to the main motor vehicle rate chart, the OCCC also provides this chart expressing the $12.50 and $15 add-on rates as effective interest rates for contract terms ranging from 1 to 84 months.
| March 9, 2010 | April 13, 2004 | |
| March 10, 2009 | March 25, 2003 | |
| February 18, 2014 | March 25, 2008 | March 25, 2003 |
| February 12, 2013 | May 8, 2007 | March 13, 2001 |
| April 10, 2012 | April 11, 2006 | March 7, 2000 |
| March 15, 2011 | May 10, 2005 | March 9, |
ALECS is an online licensing portal for the Office of Consumer Credit Commissioner's regulated industries. It allows the end user to:
Beginning with Q1 (April 1 – April 30), all future CAB filings will be accomplished in the ALECS system. You can see further information under the CAB section of our homepage at http://occc.texas.gov/industry/cab.
If you have not done so, please create an ALECS account and “Claim my business” so you may file future reports.
As of September 1, 2019, pawnshops are no longer required to license their pawn employees through the OCCC. If a pawnshop opts in (chooses to have their employees to be licensed through the OCCC), then all of its employees must be licensed.
Pawnshops may only opt in or out during the Pawn Shop Renewal period (June of every year) online through the ALECS system by following the 3 steps below:
This page contains the OCCC's official interpretation letters, listed by interpretation number. Note: Many of these interpretations are based on old statutes and have been superseded by statutory amendments.
Please note that you must have an email address to file a complaint online.
In order to avoid any delays in resolving your complaint issue, please answer the following questions.
Do you have a complaint number?
or
Have you already filed this complaint?
Call the consumer assistance helpline at 1-800-538-1579 for further assistance.
Our normal business hours are Monday-Friday, 8:00am-5:00pm
