What has changed with the OCCC Annual Report System in 2026?

 


The Texas Office of Consumer Credit Commissioner (OCCC) introduced a new annual report system in 2026 for regulated lenders. This change affects how lenders submit their annual financial and operational information to the OCCC.

Starting March 1, 2026, regulated lenders are required to use the new online reporting system instead of the previous ALECS system. The new process requires lenders to provide financial information, loan activity, and other required details through the online portal.

Lenders should pay close attention to the accuracy and consistency of the information submitted. Financial information reported through the new system should align with the lender’s accounting records and audited financial statements.

Some important areas lenders should review include:

  • Annual report requirements: Understand what information must be submitted through the new system.
  • Financial statements: Make sure financial statements are properly prepared and supported by accounting records.
  • Net assets: Review applicable OCCC net asset requirements and supporting documentation.
  • Loan information: Ensure loan activity and related schedules are complete and accurate.
  • Filing deadlines: Submit the annual report within the required timeframe to avoid potential compliance issues.
  • CPA support: Working with a CPA experienced in OCCC reporting can help ensure that financial statements and reporting information are properly prepared.

The transition to the new system makes it important for regulated lenders to prepare their financial information before beginning the filing process. Reviewing accounting records, audited financial statements, loan activity, and required supporting documents in advance can help make the filing process more efficient.

For a detailed explanation of the 2026 OCCC annual report system, filing requirements, and preparation considerations, see:

OCCC New Annual Report System 2026: What Regulated Lenders Need to Know

Understanding the new reporting requirements early can help regulated lenders avoid errors and maintain compliance with OCCC requirements.


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