# Financing your own sales in Texas: the OCCC license, rate limits and tax on payments > Texas dealers who finance their own sales need an OCCC license and a Comptroller permit. Add-on rate caps run $7.50 to $15 per $100 a year by model year. - Canonical URL: https://www.leftlanesoftware.com/blog/texas-in-house-financing-occc-license - Language: en-US - Spanish version (Español): https://www.leftlanesoftware.com/blog/financiamiento-propio-en-texas-licencia-occc - State: Texas - Topic: In-house financing - Last verified: 2026-11-09 _Last verified: November 9, 2026. Every rule links to its official source._ To finance your own sales in Texas you need a [Motor Vehicle Sales Finance license](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/mvsf-licensing-forms) from the Office of Consumer Credit Commissioner (OCCC) and the Comptroller's [Seller-Financed Sales Tax Permit](https://comptroller.texas.gov/taxes/publications/96-254/seller-financed-sales.php). [Finance Code Chapter 348](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm) caps the finance charge by vehicle age: an add-on rate of $7.50 to $15 per $100 per year on most contracts, or 18 to 24 percent a year. ## Texas in-house financing at a glance | What | The rule | Source | | -------------------- | ------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------- | | License | Motor Vehicle Sales Finance license, applied for in NMLS, for each location | [OCCC: licensing](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/mvsf-licensing-forms) | | Company license fees | $200 application, $460 license registration, $120 NMLS processing (June 4, 2026 checklist) | [OCCC company license checklist](https://occc.texas.gov/wp-content/uploads/2026/06/Motor-Vehicle-Sales-Finance-Company-License.pdf) | | Term | January 1 to December 31; renew November 1 to December 31 | [OCCC: Motor Vehicle Sales Finance](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf) | | Rate cap | Add-on of $7.50 to $15 per $100 per year by model year, or 18 to 24 percent a year | [Finance Code 348.104 and 348.105](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm) | | Documentary fee | $225 or less is presumed reasonable | [7 TAC 84.205](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-205) | | Sales tax and title | Seller-Financed Sales Tax Permit; title application within 45 days of delivery | [Tax Code 152.069](https://statutes.capitol.texas.gov/Docs/TX/htm/TX.152.htm) | ## Who needs an OCCC license in Texas? You need one if you finance your own sales, hold the contracts, or sign them as seller and pass them on. [Finance Code 348.501](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm) bars anyone from acting as a "holder" (the retail seller, or anyone the contract is assigned to) without it. Banks, savings banks, credit unions and regulated lenders are exempt. The OCCC's [Bulletin B23-1](https://occc.texas.gov/wp-content/uploads/2025/11/b23-1-mvsf-licensing-requirements.pdf) and [program page](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf) spell it out: - **Buy here pay here:** holding your own contracts, or running an acceptance company that buys contracts. - **Zero-interest deals:** a sale paid over time may be considered financed, even with no interest, no lien and no document called a retail installment contract. - **Contracts you assign at once:** signing as seller and assigning to a lender the same day. - **A related finance company:** it must hold its own license. - **Every location** where contracts are made, negotiated, serviced, held or collected. **Financing without the license** costs a $10,000 late filing fee under [Finance Code 349.303](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.349.htm), plus the annual license fees for every year you operated unlicensed. B23-1 also lists an injunction, refunds and an administrative penalty. The same section sets $1,000 to renew an expired license that was in good standing when it expired, within the time allowed, and $10,000 to renew one that does not qualify. In our [Texas startup path](/blog/how-to-start-a-used-car-dealership-in-texas), the OCCC license follows the [dealer license (GDN)](/blog/texas-dealer-license-gdn-step-by-step) and comes before your first financed sale. ## How do you apply for an OCCC license, and what does it cost? You apply in NMLS, the national licensing system the OCCC now uses. The OCCC [generally has up to 60 days](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/mvsf-licensing-forms) to review an application and does not expedite. | License | Fees paid in NMLS | Source | | ---------------------------------------- | ---------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------- | | Company license | $200 application, $460 license registration, $120 NMLS processing | [OCCC checklist, June 4, 2026](https://occc.texas.gov/wp-content/uploads/2026/06/Motor-Vehicle-Sales-Finance-Company-License.pdf) | | Branch license, each additional location | $480 in all: $25 application, $430 license registration, $25 NMLS processing | [OCCC checklist, September 25, 2026](https://occc.texas.gov/wp-content/uploads/2026/09/Motor-Vehicle-Sales-Finance-Branch.pdf) | A branch license issues only after the company license, and NMLS fees are non-refundable. The OCCC now links a company checklist dated October 2026, so confirm the company amounts in NMLS before you pay. ## What does the OCCC expect each year? | When | What | Source | | ------------------------- | -------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | | November 1 to December 31 | Renew in NMLS. Licenses not renewed by midnight on December 31 expire. | [OCCC: Motor Vehicle Sales Finance](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf) | | January 1 to February 28 | Reinstatement: a $1,000 late filing fee plus the renewal fee for each license, plus NMLS processing fees | [OCCC: licensing](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/mvsf-licensing-forms) | | June 30 | Annual report on the prior calendar year | [OCCC: annual report notice](https://occc.texas.gov/notice-to-motor-vehicle-dealers-annual-report-requirement-begins-june-2026/) | Older materials still describe an October 31 renewal date; the term became January 1 to December 31 under [7 TAC 84.617](https://occc.texas.gov/wp-content/uploads/2026/04/mvsf-licenseterm-adoption-fc-050726.pdf), effective May 7, 2026. Renewal steps: [Texas OCCC license renewal](/blog/texas-occc-license-renewal). The annual report gives the number and dollar amount of Texas contracts you originated, acquired and serviced. Each legal entity files its own in the OCCC's online portal ([7 TAC 84.710](https://occc.texas.gov/wp-content/uploads/2025/11/mvsf-rulereview-adoption-fc-111424-1.pdf)). LeftLane produces the OCCC annual report from live data, for you to file. ## How much can you charge on a buy here pay here contract in Texas? [Finance Code 348.104](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm) caps the finance charge as an add-on rate tied to the model year: | Vehicle | Maximum add-on charge | | --------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------- | | New vehicle of the current or a later model year | $7.50 per $100 per year | | Other new vehicles, and used vehicles of a model year not more than 2 years before the year of sale | $10 per $100 per year | | Used vehicles of a model year not more than 4 years before the year of sale | $12.50 per $100 per year | | Older used vehicles | $15 per $100 per year, or $18 per $100 per year on the principal balance if it does not exceed $300 | The charge is computed on the original principal balance to final maturity, for contracts payable in substantially equal monthly installments starting 1 month after the contract date. A $25 minimum applies when the add-on charge comes to less. If you collect weekly or every 2 weeks, confirm the equivalent limit with the OCCC. The classes count back from the year of sale, so they move every January 1. The 2026 years match the OCCC's [rate chart](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/rate-charts); the 2027 years follow the statute, since the OCCC had not posted its 2027 chart on November 9, 2026. | Add-on class | Used, sold in 2026 | Used, sold in 2027 | | ------------ | ------------------ | ------------------ | | $10 | See the chart | 2025 and newer | | $12.50 | 2022 and 2023 | 2023 and 2024 | | $15 | 2021 and older | 2022 and older | **The alternative ceiling.** A contract may instead use the [Finance Code Chapter 303](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.303.htm) ceiling (348.105), which runs from 18 to 24 percent a year. The OCCC's [Texas Credit Letter](https://occc.texas.gov/publications/interest-rates) showed 18 percent for November 2026. **Add-on against simple interest.** An add-on charge is figured once on the original principal for the whole term, so it does not shrink as the buyer pays down the balance. Simple interest is charged only on the balance still owed, so the same contract shows a higher annual percentage rate than its add-on number. In LeftLane, the deal desk computes the maximum rate for each deal under the Texas cap and lowers a rate above it. You can [try it on your own deals](https://sandbox.leftlanesoftware.com/signup). ## What late charge and documentary fee are allowed? **Late charge.** After the 15th day past due, you may collect one delinquency charge per installment: up to 5 percent of the installment, or interest on it at the contract rate ([Finance Code 348.107](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm)). For a payment due on the 1st, the earliest day is the 17th ([7 TAC 84.202](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-202)). The charge must be in the written contract, and none is allowed on a deferred down payment. **Documentary fee.** It is optional. If you charge one, it applies to cash and credit buyers alike and may not exceed a reasonable amount you and the buyer agree on ([Finance Code 348.006](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm)). A fee of $225 or less is presumed reasonable ([7 TAC 84.205](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-205)); older materials still give $150, but $225 has applied since July 11, 2024. To charge more, you must first file a written notification with a cost analysis for each location in the OCCC's ALECS system ([Bulletin B16-5](https://occc.texas.gov/wp-content/uploads/2025/11/b16-5-mvsf-doc-fee-filing-instructions-7-2-24_0.pdf)). The OCCC does not pre-approve the amount, and you may not charge more than you filed. Section 348.006 also sets the exact wording of a notice that opens "A DOCUMENTARY FEE IS NOT AN OFFICIAL FEE". It goes in the buyer's order and the contract, and must be posted where each sale is finalized, in the language mainly used in the sales presentation. ## What must a Texas retail installment contract include? Each financed sale needs a written, dated retail installment contract, signed by you and the buyer and complete as to all essential provisions before the buyer signs, with the printed part in at least 8-point type ([Finance Code 348.101](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm)). Federal Truth in Lending disclosures apply (348.009). The contract must use the OCCC's model provisions or be a plain-language contract it has accepted, both on its [contracts page](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/motor-vehicle-sales-finance-contracts). LeftLane is on the OCCC's [list of reviewed motor vehicle software vendors](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/software-vendors/), evaluated March 4, 2025. The OCCC says its review covered a limited sample of contracts, so the listing is not an approval or a certification. [Finance Code 348.005](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm) defines itemized charges, the amounts outside the cash price. They are registration, title and license fees (including a deputy's additional registration fees), taxes, fees prescribed by law for the sale or inspection, and charges for insurance, service contracts, warranties, auto club memberships, trade-in credit agreements or a debt cancellation agreement, as Subchapter C allows. The documentary fee is added under 348.006. Background: our older post on [debt cancellation vs GAP in Texas](https://www.leftlanesoftware.com/blog/debt-cancellation-vs-gap-how-to-ensure-compliance-in-texas). A Vehicle Inventory Tax (VIT, or special inventory tax, SIT) reimbursement must be [listed separately](https://comptroller.texas.gov/taxes/publications/96-254/vit.php), outside the sales price; see the [inventory tax guide](/blog/texas-vehicle-inventory-tax-vit-sit). With a trade-in on a financed sale, you must give the buyer the completed Disclosure of Equity form before they sign ([Finance Code 348.0091](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm); [OCCC form](https://occc.texas.gov/wp-content/uploads/2025/11/mvsf-equity-disclosure-form.pdf)). ## How does sales tax work when you finance the sale yourself? You remit the [6.25 percent motor vehicle sales tax](https://statutes.capitol.texas.gov/Docs/TX/htm/TX.152.htm) either up front or to the Comptroller as payments come in. Either way you need the permit, applied for on Form AP-169 ([Comptroller forms](https://comptroller.texas.gov/taxes/motor-vehicle/forms/)). The collection rule for cash and outside-lender sales does not apply to a seller-financed sale (Tax Code 152.0411). - **Option 1:** collect and remit tax on the total consideration when you present [Form 130-U](https://comptroller.texas.gov/taxes/publications/96-254/seller-financed-sales.php), the title application. - **Option 2**, which many dealers call deferred sales tax: put your permit number on Form 130-U and remit to the Comptroller as payments are received. The lienholder must be you or a qualifying related finance company. Under Option 2, [Tax Code 152.047](https://statutes.capitol.texas.gov/Docs/TX/htm/TX.152.htm) requires the tax as you receive the proceeds of the sale, and the [Comptroller](https://comptroller.texas.gov/taxes/motor-vehicle/seller-financed.php) puts it at 6.25 percent of gross receipts. If the note bears interest, the Code presumes interest is paid on a straight-line basis; ask your accountant how that applies to your schedule. Report on [Form 14-117](https://comptroller.texas.gov/taxes/motor-vehicle/forms/), monthly if you collect more than $500 a month and otherwise quarterly, by the 20th of the month after each period ends. Filing and paying on time earns a 0.5 percent discount, plus 1.25 percent for prepaying. A late report costs $50 even with no tax due, and late tax adds 5 percent, or 10 percent after 30 days. | Deadline | What the Tax Code requires | | -------------------------- | --------------------------------------------------------------------------------------------------------------------------------------- | | 45 days after delivery | Apply for the buyer's title and registration, giving the county a joint statement with your permit number in place of the tax (152.069) | | 60 days after delivery | If you have not applied, all unpaid tax on the total consideration is due with your next report (152.047(f)) | | When you sell the contract | All unreported tax on the total consideration is due, with no deduction for a discount (152.047(g)) | TxDMV counts the same 45 days from the sale date ([43 TAC 215.144](https://www.law.cornell.edu/regulations/texas/43-Tex-Admin-Code-SS-215.144)), so you should count from whichever comes first. For cash and outside-lender deadlines, see [After the sale in Texas](/blog/texas-dealer-after-the-sale-deadlines). Selling the paper has two exceptions (152.047(g-1)). One is a transfer to a related finance company with at least 80 percent identical ownership, registered with the Comptroller on Form AP-222 ([Publication 98-820](https://comptroller.texas.gov/taxes/publications/98-820.php)). The other is a pledge where you keep custody and control of the account and the right to the payments. ## What records must you keep, and what does an OCCC exam look at? You must keep each financed deal's records for 4 years from the contract date or 2 years from the final entry, whichever is later ([7 TAC 84.708](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-708)). Credit applications are kept 25 months after you notify the applicant of the decision (12 months for business credit) under [Regulation B](https://www.consumerfinance.gov/rules-policy/regulations/1002/12/). If you hold customer information on 5,000 or more consumers, you must keep a written incident response plan ([OCCC rule adoption](https://occc.texas.gov/wp-content/uploads/2025/11/mvsf-rulereview-adoption-fc-111424-1.pdf)). The OCCC examines every licensee periodically ([Finance Code 348.514](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm)), after 1 to 4 weeks' notice. Its [exam page](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/MV-exam) says the examiner samples your financing documents: retail installment contracts most heavily, plus title transfers, credit insurance sales and fee records. If changes are needed, you get written instructions and 60 days to act. Other agencies' visits are in [Who can inspect a Texas dealership](/blog/who-can-inspect-a-texas-dealership). ## What are the Texas repossession rules? After default you may repossess without going to court if there is no breach of the peace ([Business and Commerce Code 9.609](https://statutes.capitol.texas.gov/Docs/BC/htm/BC.9.htm)), and your contract may not authorize one (Finance Code 348.411). We found no automatic right to cure or pre-repossession notice in Finance Code Chapter 348. Texas law lets you and the buyer agree to reinstate the contract (348.122), and the buyer may redeem the vehicle (9.623). Ask counsel before you rely on more. After the repossession: 1. **Personal property:** send notice within 15 days of finding it in the vehicle; the buyer may claim it before the 31st day after the notice (348.407). 2. **Notice of disposition:** send a reasonable authenticated notification (9.611). For a consumer it must describe any deficiency liability and give a phone number for the redemption amount (9.614). 3. **Surplus and deficiency:** pay the buyer any surplus; the buyer owes any deficiency (9.615), and you explain the calculation (9.616). 4. **Expenses:** the contract may provide for reasonable out-of-pocket repossession expenses (348.108). The OCCC's [7 TAC 84.708](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-708) has you keep the notice or a waiver signed after default, expense receipts, proof of a commercially reasonable sale, the bill of sale, the surplus check and the surplus or deficiency explanation. **GPS and starter-interrupt devices.** Ask a Texas attorney before you install either one. ## What trips people up - **Thinking zero interest needs no license.** A sale paid over time may be considered financed; financing unlicensed costs a $10,000 late filing fee plus back fees. - **Thinking a lender's contract covers you.** Signing as seller needs the license, even if you assign the contract the same day. - **Charging a late fee too early.** None before the 17th on a payment due the 1st, and none on a deferred down payment. - **A doc fee over $225 with no filing.** Restitution can reach the amount above $225 for each buyer. - **Letting the 45 days run.** At 60 days after delivery with no title application, all unpaid tax is due with your next report. - **Missing December 31.** Reinstating costs a $1,000 late filing fee on top of the renewal fee. ## What changed recently - **January 1, 2027 (coming).** The used-vehicle rate classes move forward a year. - **November 1, 2026.** The first renewal window under the calendar-year term opened. It closes December 31, 2026. - **October 30, 2026.** The OCCC published [proposed licensing and recordkeeping rules](https://occc.texas.gov/wp-content/uploads/2026/10/mvsf-licensing-recordkeeping-proposal-texreg-103026.pdf). They are proposed, not adopted; the earliest possible adoption date is November 29, 2026. - **May 7, 2026.** The license term changed from November 1 to October 31 to January 1 to December 31. ## Frequently asked questions ### Who needs a Motor Vehicle Sales Finance license in Texas? Any dealer who finances its own sales, holds retail installment contracts, or signs them as seller and assigns them needs the OCCC's Motor Vehicle Sales Finance license. Zero-interest deals count. Banks, savings banks, credit unions and regulated lenders are exempt. Each location needs a license. ### How long does the OCCC application review take? The OCCC says it generally has up to 60 days to review an application submitted through NMLS, and it does not expedite. Apply early enough to hold the license before your first financed sale or the first contract you sign as seller. ### What is the maximum rate a Texas dealer can charge on a used car? The cap is an add-on charge, not an annual percentage rate: $10, $12.50 or $15 per $100 per year, by the used vehicle's model year. A contract may instead use the Chapter 303 ceiling, 18 to 24 percent a year (18 percent in November 2026). ### How much can a Texas dealer charge as a documentary fee? A documentary fee of $225 or less is presumed reasonable. To charge more, you must first file a written notification with a cost analysis with the OCCC through ALECS; you cannot charge more than the filed amount. The fee applies to cash and credit buyers alike. ### What happens to the sales tax if I sell my contracts? All unpaid tax on the total consideration becomes due when you factor, assign or transfer the contracts, with no reduction for a discount. The exceptions are a transfer to a registered related finance company, or a pledge where you keep custody and control of the account. ## Your next step Before your first financed sale, put the contract, signatures, payments and reminders in one system. LeftLane's deal desk checks each rate against the Texas cap, card and ACH payments post on their own, and reminder texts carry a payment link. [Start a free trial](https://sandbox.leftlanesoftware.com/signup) or [book a LeftLane demo](https://meetings.hubspot.com/greg954/leftlane-request-demo?uuid=b03d2fbc-01be-4deb-8a2a-bf6c5ff6943d) and call 512-222-9549; a real person will help you set it up. ## Sources - [OCCC: Motor Vehicle Sales Finance](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf) and [licensing](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/mvsf-licensing-forms) - [OCCC: Bulletins B23-1](https://occc.texas.gov/wp-content/uploads/2025/11/b23-1-mvsf-licensing-requirements.pdf) and [B16-5](https://occc.texas.gov/wp-content/uploads/2025/11/b16-5-mvsf-doc-fee-filing-instructions-7-2-24_0.pdf) - [OCCC: company](https://occc.texas.gov/wp-content/uploads/2026/06/Motor-Vehicle-Sales-Finance-Company-License.pdf) and [branch](https://occc.texas.gov/wp-content/uploads/2026/09/Motor-Vehicle-Sales-Finance-Branch.pdf) license checklists - [OCCC: license term adoption](https://occc.texas.gov/wp-content/uploads/2026/04/mvsf-licenseterm-adoption-fc-050726.pdf), [annual report notice](https://occc.texas.gov/notice-to-motor-vehicle-dealers-annual-report-requirement-begins-june-2026/) and [rule review adoption](https://occc.texas.gov/wp-content/uploads/2025/11/mvsf-rulereview-adoption-fc-111424-1.pdf) - [OCCC: rate charts](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/rate-charts) and [interest rate ceilings](https://occc.texas.gov/publications/interest-rates) - [OCCC: contracts](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/motor-vehicle-sales-finance-contracts), [trade-in equity form](https://occc.texas.gov/wp-content/uploads/2025/11/mvsf-equity-disclosure-form.pdf), [examinations](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/MV-exam) and [reviewed software vendors](https://occc.texas.gov/industry/motor-vehicle-sales-finance-mvsf/software-vendors/) - [OCCC: proposed rules, October 30, 2026](https://occc.texas.gov/wp-content/uploads/2026/10/mvsf-licensing-recordkeeping-proposal-texreg-103026.pdf) - [Texas Finance Code Chapters 348](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.348.htm), [349](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.349.htm) and [303](https://statutes.capitol.texas.gov/Docs/FI/htm/FI.303.htm) - [Texas Tax Code Chapter 152](https://statutes.capitol.texas.gov/Docs/TX/htm/TX.152.htm) and [Business and Commerce Code Chapter 9](https://statutes.capitol.texas.gov/Docs/BC/htm/BC.9.htm) - [Texas Administrative Code: 7 TAC 84.202](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-202), [84.205](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-205), [84.708](https://www.law.cornell.edu/regulations/texas/7-Tex-Admin-Code-SS-84-708) and [43 TAC 215.144](https://www.law.cornell.edu/regulations/texas/43-Tex-Admin-Code-SS-215.144) - [Comptroller: seller-financed sales](https://comptroller.texas.gov/taxes/publications/96-254/seller-financed-sales.php), [seller-financed tax](https://comptroller.texas.gov/taxes/motor-vehicle/seller-financed.php), [forms](https://comptroller.texas.gov/taxes/motor-vehicle/forms/), [VIT](https://comptroller.texas.gov/taxes/publications/96-254/vit.php) and [related finance companies](https://comptroller.texas.gov/taxes/publications/98-820.php) - [CFPB: Regulation B, 12 CFR 1002.12](https://www.consumerfinance.gov/rules-policy/regulations/1002/12/) _This guide is general information for dealers, not legal advice. Rules and fees change. Confirm with the agency or a licensed attorney in your state before you act._