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
P.O. Box 839975
San Antonio, TX 78283-3975
FinanceCandR@sanantonio.gov
210.207.5067
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: