State & Local Data

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State & Local Data

The Office of Consumer Credit Credit Commissioner (OCCC) provides annual and quarterly data on payday and auto title lending for the State of Texas as well as 16 Metropolitan Statistical Areas or Metropolitan Divisions. The following data sheets were created using annual data for the state and each of these 16 areas and provides information on four loan types: Installment Payday Loans, Single Payment Payday Loans, Installment Auto Title Loans, and Single Payment Auto Title Loans.

Metropolitan Statistical Areas or Metropolitan Divisions Represented

Visit our Payday and Auto Title Lending Economic Impact Analyses page here.

New Payday Lending Dashboard: Payday and Auto Title Lending in Texas

For additional data, visit the Texas Office of the Consumer Credit Commissioner (OCCC)

Payday & Auto Title Lending Industry’s Political Contributions

Politicians Cower in Payday-Loan Pockets, Texans for Public Justice (2015).
Texas Legislators Taking Money from Payday Lending Industry, The Baptist Standard (2014).

Additional Background Research on Texas Payday and Auto Title Loans

Thank you for your service: The Effects of Payday and Auto Title Loans on Texas Veterans, United Way of Central Texas, United Way of Greater Houston, and Texas Appleseed (2019)
Pulling Back the Curtain: Shining a Light on Payday and Auto Title Loan Businesses in Texas, Texas Appleseed (2015).
Family Budget Busters: Payday and Auto Title Loans are Getting More Expensive for Texans, Center for Public Policy Priorities (2014).
Why Texas’ Small-Dollar Lending Market Matters, Texas Appleseed, Federal Reserve Bank e-perspective (2012).
Short-term Cash, Long-term Debt: The Impact of Unregulated Lending in Texas, Texas Appleseed (2009).
The Payday Loan Industry of Dallas: Issues, Challenges and Recommendation, Better Business Bureau Investigative Summary (2012).
Thrift or Debt: Which Direction is Right for Texas?, Christian Life Commission of the Baptist General Convention of Texas (2011).
The Case for Payday and Auto Title Loan Reform: Texans’ Stories – Texans share their stories of being caught in the destructive cycle of debt caused by payday and auto title loans (2011).
Texas Fair Lending Alliance and Texas Faith for Fair Lending, Short-Term Lending Survey and Memo; Press Release on Survey (2012).
Catholic Charities Survey on Payday and Auto Title Loan Use (2010).