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Texas Office of Consumer Credit Commissioner

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Frequently asked questions
help_outline What is a Credit Access Business?
Credit access businesses obtain credit for a consumer from an independent third-party lender in the form of a deferred presentment transaction or a motor vehicle title loan, commonly referred to as payday loans or title loans.
help_outline What are CAB application requirements?
Consult the CAB New Application Checklist for specific details.
help_outline What is a Third Party Lender(s) Information?
This refers to the organization(s) with which the business contracts to provide services described by Section 393.602(a) or from which it arranges extensions of customer credit.
help_outline What is CSO Information?
Each Credit Access Business (CAB) location must be registered with the Texas Secretary of State as a Credit Services Organization.
help_outline How do I add a location in ALECS?
Log into your account, select 'submit application' and then choose your license type.
help_outline How do I change a location address in ALECS?
Under 'Manage My Business', select 'Modify License Location'.
help_outline How do I schedule a fingerprint appointment?
Follow instructions provided in the ALECS portal if needed.
help_outline What is a Motor Vehicle license for?
Required for businesses such as dealers holding contracts (Buy Here Pay Here) or dealers assigning contracts.
help_outline What are the renewal fees for Motor Vehicle Sales Financing?
The renewal fee is $460 annually.
help_outline What are the application requirements for a new pawn shop?
Refer to the Pawn Shop New Application Checklist.
help_outline What are the fees for a new pawnshop application?
The fee is $875 if the applicant does not hold a license in the applying Masterfile.
help_outline What is the net asset requirement for a new pawnshop?
The applicant must maintain net assets of at least $150,000 for use in the business.
help_outline How do I renew my registration as a Registered Creditor?
Login or create an account at ALECS and select 'Registration Renewal'.
help_outline What are the requirements for uploading documents?
Do not use special characters; all uploads must be PDF files and under 5mb.
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AustinTravis Countycredit regulationpawnshop licensingconsumer assistancedebt managementcredit education

What We Offer

Regulatory Services

Publications and Policy
The Office of Consumer Credit Commissioner offers a variety of publications covering material related to financial services regulation, compliance, and legal interpretations.

Financial Reporting

Rate Related Publications
The Texas Credit Letter which reports rate ceilings and financial services activity reports for different consumer credit sectors.

Compliance Monitoring

Enforcement Actions
Reports and documentation on legal actions taken to ensure compliance with Texas law.

Administrative Services

Administrative Reports
Includes documentation on agency budgets, audits, and strategic plans.

Procurement Services

Procurement Related Publications
Manuals and policies related to procurement in the agency to ensure proper contract management and reporting.

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