The Office of Consumer Credit Commissioner regulates the credit industry and educates consumers and creditors. It operates the Consumer Assistance Department, which empowers consumers on credit regulations and practices. The organization also regulates nondepository lenders and provides consumer loans to Texas residents. The Office of Consumer Credit Commissioner additionally registers creditors who sell goods and services on credit terms. It also regulates home equity, home improvement and signature loans, as well as secondary mortgages and retail credit accounts. In addition, the organization provides online brochures and licensing forms. The Office of Consumer Credit Commissioner is located in Austin, Texas.