Consumer credit law reference
Texas Credit Dispute Laws
Texas requires CSO registration with the OCCC, a $10,000 surety bond, and prohibits advance fees. Consumers get a 3-day contract cancellation right.
Primary state statute
Texas Credit Services Organization Act
Tex. Fin. Code § 393.001 et seq.
Regulator: Texas Office of Consumer Credit Commissioner
What Texas adds on top of the federal FCRA
- •OCCC registration
- •$10,000 bond
- •No advance fees
- •3-day cancellation right
- •DTPA damages available
Dispute inaccurate items on your Texas credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Texas residents in minutes, tracks the 30-day bureau reinvestigation window, and escalates unresolved items to the CFPB.
Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Texas.