What is the role of the Texas Office of the Attorney General in debt collection?

• A. Provides direct debt collection services to consumers.
• B. Sets interest rates for debts.
• C. Issues licenses for debt collection agencies.
• D. Enforces TDCA, investigates complaints, and pursues violations.

Answer: (D)

Consumer protection through enforcement of the Texas Debt Collection Act. The Texas Office of the Attorney General serves to guard consumers by enforcing the TDCA, investigating complaints about debt collectors’ practices, and pursuing violations through enforcement actions, civil penalties, and other remedies to stop illegal collection behavior. This role is about oversight and accountability, not about collecting debts or setting loan terms. The OAG does not provide direct debt collection services, does not set interest rates, and does not issue licenses for debt collection agencies.