Register a Credit Access Business or Credit Services Organization
Payday and auto-title loan businesses in Austin must register each year to operate in the city. This page explains how to apply or renew your certificate, who needs one and the rules you must follow.
How to Register or Renew
To legally operate in Austin, all Credit Access Businesses (CABs) and Credit Services Organizations (CSOs) must have a Certificate of Registration and renew it each year. Whether you’re registering for the first time or renewing your certificate, you will follow the same steps:
Download the Registration Form
Complete the Form
Fill out all required fields.
Submit by Mail
Mail your completed form and the $100 registration fee to:
City of Austin
ATTN: CAB & CSO Compliance
P.O. Box 2920
Austin, TX 78768
Understand Compliance Requirements
To comply with the City’s rules, CABs and CSOs must:
- Display Registration
Place the Certificate of Registration in a visible location in your business.
- Notify the City of Changes
Report any major business changes to Austin Financial Services at least 10 days in advance.
- Keep Loan Records
Maintain records of all loans for at least three years.
- Submit Quarterly Reports
Send reports to the Texas Office of Consumer Credit Commissioner (OCCC).
Email copies to the City at FSDAudit@austintexas.gov within five business days of submission to the OCCC.
- Provide Consumer Documents
Give customers a copy of any contract they are required to sign.
- Follow Loan Restrictions
Ensure all loans meet the terms outlined in the City ordinance.
- Display Borrower’s Rights Poster
Show the poster in a visible area of your business.
Things to Know
- What are Credit Access Businesses (CAB)?
A Credit Access Business (CAB) is a company that helps consumers obtain payday loans or auto title loans. These businesses do not lend money directly but act as intermediaries between consumers and third-party lenders.
- What are Credit Services Organizations (CSO)?
A Credit Services Organization (CSO) provides services related to consumer credit. This may include arranging loans or assisting consumers in obtaining loans from third-party lenders, often with high interest rates.
- Who Needs a CAB and CSO Certificate of Registration?
Any payday or auto title lender operating in Austin must register as a CAB or CSO and comply with the City’s regulations. This includes businesses that:
- Arrange payday loans or auto title loans.
- Assist consumers in obtaining credit from third-party lenders.