Tribal Lending in Texas: The Risks Explained
The sovereignty claim is not a technicality — it decides whether Texas protections apply to your loan at all.
Loan Guides
Texas Loan Laws
Guides in this category for El Paso, TX borrowers.
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Why Texas Has No Statewide Payday Loan Cap
The absence of a Texas rate cap is written into the statute, not left out by accident. Here is how…
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Licensed vs Unlicensed Lenders in Texas: How to Tell
Verification takes five minutes and decides which protections you have. Here is exactly what to check.
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How to File a Complaint Against a Texas Lender
What the OCCC can and cannot do about a lender complaint, and exactly what to send them.
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Texas Payday Loan Rollover Rules and How to Escape One
A rollover buys time and costs another full fee. What Texas law does and does not limit, and what to…
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The El Paso Auto Title Loan Ordinance: Rules and Enforcement
The rules the City sets for title lending, how to verify your own loan against them, and where to complain.
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The El Paso Payday Loan Ordinance, Explained
El Paso’s Chapter 5.17 does what Texas law does not. Every limit it sets, in plain terms.
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What Is a Credit Access Business in Texas?
The business you borrow from in Texas usually is not the lender. Here is what a Credit Access Business is…
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Texas Payday Loan Laws: What Actually Applies in 2026
Texas has no statewide fee cap on payday loans. What the law does control, and what your city adds on…