Texas Office of Consumer Credit Commissioner

The OCCC’s mission is accomplished by promoting the highest principles of professional conduct, ethics, stewardship, and conservation of funds, while engaging in limited, balanced, and effective regulation. To fulfill the agency’s mission, the OCCC observes the following four-part philosophy: • Regulate fairly, efficiently, and effectively, balancing the needs of both consumers and financial service providers by enforcing Texas credit laws and licensing qualified financial service providers. • Educate consumers about rights, responsibilities, and remedies, and financial service providers about rights and responsibilities • Communicate collaboratively, encouraging communication among the financial services industry, consumer public, and the OCCC. • Protect and safeguard consumers against unlawful lending practices.