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Reporting Requirements and Due Dates

Quarterly Report - Reporting period is Jan 1 - Mar 31 - due date is Apr 30th of the current year
Quarterly Report - Reporting period is Apr 1 - Jun 30 - due date is July 31st of the current year
Quarterly Report - Reporting period is Jul 1 - Sep 30 - due date is Oct 31st of the current year
Quarterly* Report - Reporting period is Oct 1 - Dec 31 - due date is Jan 31st of the following year
Annual* Report - Reporting period is Jan 1 - Dec 31 - due date is Jan 31st of the following year

To better serve licensees and conduct examinations in the most efficient manner possible, we ask that you provide on-site examiners with an adequate workspace to include a suitable desk or table and chair, adequate lighting and convenient access to a 110-volt electrical outlet.

If you have additional questions regarding the examination process, please contact our agency at 512.936.7600.

Dealer Education Materials

Module 1: Who is required to be Licensed?

About the OCCC and its Responsibilities

The Office of Consumer Credit Commissioner (OCCC) licenses and regulates non-depository lenders providing consumer loans to Texas residents. We also register creditors who sell goods or services on credit terms.

Exam Process Information

The examination department's main responsibility is to conduct routine examinations of pawnshops to ensure proper record keeping and compliance with the Texas Pawnshop Act. Examinations are approximately once every 18 months for the majority of pawnshops.

Examination Accommodations

When the representative of the commissioner appears at a pawnshop to conduct an examination, the pawnshop must make available adequate work space with:

Annual Report

As part of the annual renewal process, an annual report must be filed online, through ALECS. Annual reports are due July 31st.

These submissions will be collected under the examination authority of the Texas Finance Code,§371.201, and will be treated as confidential under the provisions of Texas Finance Code, §371.206. The commissioner may publish an aggregate report.

A report for each licensed location must be filed for the period of January 1 to December 31 of the preceding year and include:

Annual Reporting Forms

Due March 31
2016 Annual Report Submission will be filed through ALECS.

(Click here to go to ALECS)

• Instructions - Essential Guidelines for reporting
• Instructions - How do I file a report on ALECS?

Leslie Pettijohn was appointed Texas Consumer Credit Commissioner by the Finance Commission of Texas in 1995.  Her experience spans over 30 years in financial regulation along with several years of accounting experience in the private sector.

Examination Process

Non-depository lenders who make consumer loans fall under the Regulated Loan license of this agency are subject to regular examinations by the agency's field examiners. Lenders operating under Subchapter E (large loans) or Subchapter F (small loans) may take a security interest in personal property, motor vehicle title or may only require a signature of the borrower. Also, businesses who make loans under Subchapter G (second lien mortgages) are subject to the provisions of the Texas Finance Code, Chapter 342.  

Thank you for contacting us.  Your form has been sent and you should receive a response shortly.

For more information about the Office of Consumer Credit Commissioner, please visit the homepage.