Licensing & registration in Texas

How Quickle Money is structured to operate in Texas, and who regulates that structure.

What's a Credit Access Business?

In Texas, short-term consumer lenders like Quickle Money typically operate as a Credit Access Business (CAB), sometimes called a Credit Services Organization (CSO). A CAB is not the lender. Instead, Quickle Money arranges a loan for you from an unaffiliated third-party lender, and charges its own fee — separate from the lender's — for that service. This is the standard structure Texas payday and installment lenders use, and it's the reason your loan agreement will name both Quickle Money and the third-party lender.

Who regulates this?

Credit Access Businesses in Texas are regulated by the Texas Office of Consumer Credit Commissioner (OCCC). The OCCC requires CABs to register in every county they operate in, post required disclosures, and follow rules around contract terms, fee disclosure, and consumer complaint handling.

Quickle Money's OCCC registration number is #[XXXXX]. You can verify this directly with the OCCC.

Your right to complain

Quickle Money includes the OCCC's consumer complaint contact information in every loan agreement, as required — so any customer who has an unresolved issue with us can escalate it directly to our regulator: [OCCC address] · [OCCC consumer helpline number].

Fees & disclosures

See our Fees & Rates page for a plain-English breakdown of every fee Quickle Money can charge, including the CAB fee referenced above.