The OCCC promotes the highest principles of professional conduct, ethics, and sensitivity to cultural diversity issues. The agency aims for high quality standards to: Regulate fairly, efficiently, and effectively, addressing both consumers and creditors by enforcing Texas credit laws and licensing qualified lenders; Educate consumers and credit providers about their rights, remedies, and responsibilities; Communicate collaboratively with and encourage communication among the credit industry, consumer public, and the agency; Protect and safeguard consumers against abusive and deceptive lending practices.