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Payday Loan Rules in Texas
Allowed – CAB / broker model
| Maximum amount | No single simple statewide payday max in CAB model |
|---|---|
| Loan term | Varies by structure; regulated lender rules include minimum terms for certain products |
| Rate / fee rule | No single statewide cap on CAB service fee; underlying lender charges + CAB fee must be disclosed |
| Regulatory basis | Tex. Fin. Code Chs. 342, 393; 7 TAC Ch. 83 |
Key Rules
- CAB obtains third-party credit
- CAB licensed by OCCC under Finance Code Ch. 393
- local ordinances may impose additional rules
Regulatory reference: review the cited regulator or statute summary. · NCSL 50-state payday lending summary State rules can change; confirm current terms before borrowing.
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