Credit Access Business - Consumer Information

If your lender has violated provisions of the ordinance, as listed below, for loans after January 1, 2013, you may file a complaint.

  • Credit Access Business does not have a current valid certificate of registration from the City of San Antonio
  • Provided payday loans greater than 20% of the borrower’s gross monthly income or more than 70% of the vehicle value
  • Provided auto title loans that are more than 3% of the borrower’s gross annual income or more than 70% of the vehicle value
  • Provided loans greater than four installments or three rollovers or renewals (a rollover or renewal is defined as an extension of consumer credit made within seven days of the previous extension of credit)
  • Provided installments or renewals which did not reduce the loan principal by 25%
  • Did not provide a contract written in a language the borrower could understand
  • Did not read contract in its entirety to any borrower who cannot read
  • Did not provide to the borrower information on non-profit agencies that provide financial education and agencies with cash assistance programs and general information regarding extensions of consumer credit

The Complaint Form (pdf) must be printed, signed, and notarized. The form and all supporting documentation must be submitted to:

City of San Antonio Credit Access Business Administration

111 Soledad St., 4th Floor,
San Antonio, TX 78205
cabadministration@sanantonio.gov
210.207.1318

CURRENT LICENSED LENDER LISTING

The Current CAB Lender Listing (pdf) provides a list of Credit Access Businesses that have been licensed by the City of San Antonio.

Useful Documents

The information on this site is designed to provide you with information and a variety of resources to help you better understand choices that impact your personal finances. Additional resources are found below:

English Español
Education/Assistance Form (pdf) Formulario de Education/Asistencia (pdf)
Complaint Form (pdf) Formulario de Queja (pdf)
City of San Antonio Ordinance 2012-09-20-0739 (pdf) No Aplicable
Texas Disclosure Forms Formularios
Auto Title Multiple Pay (pdf) Prestamos Sobre Titulo de Auto–Pagos Multiples (pdf)
Auto Title Single Pay (pdf) Prestamos Sobre Titulo de Auto–Un Solo Pago (pdf)
Payday Loan Multiple Pay (pdf) Prestamo de Nomina–Pagos Multiples (pdf)
Payday Loan Single Pay (pdf) Prestamo de Nomina–Un Solo Pago (pdf)