Regulated consumer loans are made at rates of interest greater than 10%. Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. The most common types of regulated loans are made under one of two rate structures described in Chapter 342 of the texas finance code Resources
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The lender for these loans is the U.S. Department of Education.. Austin College offers a list of recommended lenders as a service to our students who do not.