How long does it take?

Typical end-to-end: 10 to 21 weeks. Our team works ahead of every preconditional step (entity, fingerprints, bond) so the application opens on day one.

State Laws

Texas debt collection licensing laws

What Texas requires to run a debt collection business: licensing, bonding, timelines, and renewals.

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← Debt collection state laws

Quick answers for Texas

Do I need a license to operate a debt collection business in Texas?: Yes. Comprehensive guide to debt collection licensing requirements, regulations, and filing obligations in Texas.
Is a surety bond required?: Bond required: $10,000.
How long does it take?: Typical end-to-end: 10 to 21 weeks. Our team works ahead of every preconditional step (entity, fingerprints, bond) so the application opens on day one.
What about renewals?: Renews annually.

This guide covers 1 regulated activity in Texas: Texas Debt Collection Laws & Regulations. For each one, the summary below names the state agency in charge. It shows whether a license or registration is required. It also shows whether Texas calls for a surety bond before you can operate.

Oversight in Texas runs through Texas Secretary of State. This filing needs a surety bond before you can operate. The bond protects the state and your customers if you break the rules tied to your license.

States change their statutes and fee schedules often. Treat the details below as a starting point. Confirm the current rule with the regulator before you file. When you are ready, Cornerstone Licensing can prepare and submit the Texas filings for you. We track every renewal date and keep your license in good standing year after year.

debt collection

Texas Debt Collection Laws & Regulations

Comprehensive guide to debt collection licensing requirements, regulations, and filing obligations in Texas. Learn about licensing fees, bond requirements, key statutes, and regulatory bodies governing third-party debt collectors in Texas.

Application process

To obtain a debt collection license in Texas, applicants generally need to submit a completed application to the Texas Secretary of State, provide a surety bond of $10,000, pass background checks for all control persons, and meet net worth or financial requirements. The application review typically takes 30-90 days.

Renewals

Debt collection licenses in Texas generally require annual renewal. Renewal generally involves submission of a renewal application, payment of renewal fees, updated surety bond confirmation, and any required annual reports. Late renewals may incur additional penalties.

Third-party debt collectors operating in Texas are also generally expected to comply with the federal Fair Debt Collection Practices Act (FDCPA). Texas may impose additional requirements beyond federal standards, including restrictions on communication methods, required disclosures, and limitations on fees that may be collected.

Need help meeting requirements in Texas?

We file in Texas every week. Start your application and an expert handles the rest.

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State Laws

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