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subject to regulation and supervision by this state or the United States.

authorized to make a loan or grant an extension of consumer credit under the laws of this state or the United States and.

The following persons, however, are exempt from Chapter 393, Finance Code, and are not required to register with the secretary of state: Each registration is effective for one year and may be renewed. A registration must be accompanied by proof of security or a statement explaining why proof of security is not required and the registration fee.

Yes, § 393.101, Finance Code, provides that before conducting business in Texas, a CSO must register with the secretary of state. What if the CSO is not registered or engages in fraudulent or deceptive practices?.How do I determine whether a CSO is registered?.May a consumer waive any of the provisions of Chapter 393, Finance Code?.What are the requirements for a CSO’s contract with a consumer?.May a CSO charge fees in advance of rendering services?.What if the CSO has multiple locations?įAQs for Credit Services Organization Consumers.How much does it cost to obtain a bond?.What is the cost of obtaining a CSO certificate of registration from the secretary of state?.Are CSOs required to register with the secretary of state?.

providing advice or assistance to a consumer with regard to Paragraph (A) or (B).ĬSOs are often identified as credit repair companies.obtaining an extension of consumer credit for a consumer or.improving a consumer's credit history or rating.What is a credit services organization (“CSO”)?Ī person who provides, or represents that the person can or will provide, for the payment of valuable consideration any of the following services with respect to the extension of consumer credit by others: In Texas, credit service organizations are governed by Chapter 393 of the Finance Code and the secretary of state's administrative rules found in 1 Texas Administrative Code Chapter 74, as well as any other applicable state or federal law. If you have specific legal questions, consult your attorney. The answers to our Frequently Asked Questions are provided for informational purposes and are not intended to provide legal advice or to substitute for the advice of an attorney. SOSDirect: Business Searches & Formations.

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