States / Texas
TX · South
Texas is a four-desk state for these verticals: SML (mortgage), OCCC (lending), Department of Banking (money transmission), and the Secretary of State (collector bonding).
Consumer and some commercial lending licenses
Official site →Third-party debt collector bond/registration under Occupations Code Chapter 396
Official site →Who needs the license and which desk takes the filing. No fee table — confirm costs with the agency or a filer.
State license generally required
Third-party debt collector bond / registration (Occupations Code Ch. 396)
Texas Secretary of State
Who needs it, where to file →State license generally required
Regulated lender or other OCCC license
Texas Office of Consumer Credit Commissioner
Who needs it, where to file →State license generally required
Money transmission license
Texas Department of Banking
Who needs it, where to file →State license generally required
Mortgage company / banker / broker / servicer license
Texas Department of Savings and Mortgage Lending
Who needs it, where to file →Insurance producer and adjuster licenses usually file with the Texas department of insurance (often through NIPR). Contractor licenses, if the state has them, file with the contractor board or a city or county. Charitable solicitation registration, where it exists, files with the attorney general or secretary of state. See the insurance, contractor, and charity overviews.
Also useful: How NMLS works and multi-state licensing.
Agency names and filing paths are public facts from state regulator sites, the NMLS / CSBS agency directory, and published statutes. License categories and exemptions change. Confirm the current checklist on the official site before you apply. This is not legal advice and not a fee schedule.