Refund Anticipation Loan Facilitators
If you have specific legal questions, please seek the advice of an attorney.
Refund anticipation lenders facilitate loans against anticipated tax refunds. They also:
Registered Creditors
Main industry page for Registered Creditors Registrations.
Motor Vehicle Sales Finance: Advisory Bulletins & Disclosures
Fees and Charges
Inspection Program Replacement Fee & Emissions Inspection Fee (Jan. 30, 2025)
Documentary Fee Filing Instructions (Revised July 2, 2024)
Deferment Charges (Revised Sept. 5, 2017)
About Us
Overview & Key Responsibilities
Since Texas’ existence as an independent republic, some form of consumer credit regulation has existed in the state. Since its creation in 1963, the Office of Consumer Credit Commissioner (OCCC) has seen the depth and breadth of its regulatory oversight increase to encompass the expanding financial marketplace in Texas, and each segment, with its own unique and specific benefits and compliance concerns. The agency works to ensure that the non depository financial services industry that it regulates provides compliant financial products.
Compact with Texans
The Office of Consumer Credit Commissioner (OCCC) supervises the consumer credit industry in its aim toward achieving and sustaining a fair, lawful, and healthy credit environment for social and economic prosperity in Texas. Regulating non-depository creditors and educating both consumers and creditors alike, are vital functions in pursuit of this goal.
The agency encourages communication and collaboration between industry, consumers, and regulators by:
Helpful Links for Consumers and Licensees
Financial Literacy and Education Resources
The OCCC’s guide to financial literacy and education resources is a one-stop shop for all demographics seeking personal financial literacy information. This site is updated periodically and is also posted on the Texas Department of Health and Human Services website.
Manufactured Housing Creditors
Manufactured Housing Creditors
Manufactured housing creditors that do not hold a Chapter 342 Regulated Loan License with our agency are required to obtain a registration and an NMLS license if they extend or arrange (broker) a credit transaction with a consumer to include a purchase money lien on the manufactured home. To require a registration, these loans also must be subject to a finance charge or payable in four or more installments.
Mar 17 - May 17
Multiple
The OCCC will begin transitioning Property Tax Lenders to the Nationwide Multistate Licensing System (NMLS) on March 17, 2025.The transition period will last until May 17.
We recommend beginning the process of obtaining IRS paperwork that has the entity name and Federal Employer Identification Number(FEIN) with an exact match, if you do not already have these documents. Click on this link for an NMLS resource with quick tips on setting up your NMLS account.
Regulated Loan Software Vendors
Chapter 342.E Loans: Secured Consumer Installment Loans
The following computer software products have been reviewed for use by licensed lenders making loans in the State of Texas under the provisions of Chapter 342, Subchapter E (formerly Art 3.15 and Art. 3A, Subchapter E) of the Texas Finance Code.
Current Employment Opportunities
A State of Texas Job Application is required to apply for a position. Positions currently open at the Office of Consumer Credit Commissioner are listed below:
Current Vacancies