Dallas Business Owners Gain New Leverage Against Merchant Cash Advance Lenders Under Texas HB 700
A 2026 Texas law requires MCA funders to register with the state &mdash; and a large share of them haven't. For Dallas businesses, that single fact is becoming a first line of defense.
DALLAS &mdash; Dallas business owners fighting merchant cash advance (MCA) debt have a new starting point that did not exist a year ago: checking whether their funder is even legally allowed to operate in Texas.
Under HB 700, which created the Texas Commercial Sales-Based Financing Law codified as Texas Finance Code Chapter 398, every MCA provider and broker operating in Texas must now register with the Office of Consumer Credit Commissioner (OCCC). There is no grace period. A funder that failed to register may be operating illegally &mdash; and for a Dallas business, that can become grounds to challenge the agreement and halt collection. Verifying a lender's status through the OCCC registration database has become a logical first step in evaluating a case.
The law's disclosure mandate compounds the exposure. For commercial financing under $1 million, funders must disclose the total financing amount, the finance charge, the total repayment amount, an estimated APR, and the payment schedule. Attorneys reviewing DFW-area agreements are finding that a significant share fail to meet these requirements &mdash; creating defenses where the disclosures were absent or inaccurate.
Then there is the usury argument, which Texas law sharpens. If a court finds an MCA functioned as a disguised loan &mdash; because it demanded fixed repayments, lacked genuine reconciliation, or shifted no real risk to the funder &mdash; Texas's usury provisions can apply. Texas recognizes a criminal usury ceiling, and when MCA agreements carry effective APRs of 80%, 150%, or higher, a declining-principal audit can demonstrate a rate far beyond the legal limit. Where a court agrees, the funder can forfeit interest and face additional penalties.
The exposure runs across Dallas's economy: trucking fleets in the DFW Airport corridor, warehouse operations in Grand Prairie, construction firms in Mesquite, and startups along the North Dallas technology corridor all share the volatile-cash-flow, equipment-heavy profile that MCA funders target &mdash; and that suffers most when fixed daily withdrawals continue through a slow month.
As with any MCA dispute, timing controls the outcome. Once a funder secures a judgment and moves to freeze accounts or enforce a UCC lien, options narrow sharply.
Dallas business owners facing MCA collections, a frozen account, or an unregistered funder can review their options and connect with an experienced attorney through CredibleLaw's Dallas network at&nbsp;<a href="https://crediblelaw.com/dallas-mca-defense-attorney/" rel="noopener nofollow" target="_blank">crediblelaw.com/dallas-mca-defense-attorney/</a>&nbsp;<a href="https://crediblelaw.com/dallas-mca-defense/" rel="noopener nofollow" target="_blank"></a>.
Credible Law Phone: <a href="tel:888-201-0441" rel="noopener nofollow" target="_blank">(888) 201-0441</a> <a href="https://crediblelaw.com/about/" rel="noopener nofollow" target="_blank">crediblelaw.com/about/</a>Credible Law is a national legal resource and referral network. It is not a law firm and does not provide legal advice.

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Hooters is partnering with Dallas Hope Lodge for dinner and providing an evening activity for guests battling cancer and their caregivers. On June 10 Hooters kicked off their &lsquo;Wingo&rdquo; initiative for 40 participants in the Hope Lodge&rsquo;s community dining room. &ldquo;Wingo&rdquo; is Hooters version of the game Bingo. Going forward, the Dallas area Hooters locations will be volunteering and providing dinner on the second Wednesday of every month. 

The Hooters West End location prepared this special meal consisting of boneless wings, wings, grilled chicken sliders and salad. West End Hooters Girls Judy Pham and Destiny Cuellar volunteered to serve the dinner and run the games of &ldquo;Wingo&rdquo;. Participants had the opportunity to play several rounds and win a selection of prizes. 

The American Cancer Society Hope Lodge program provides a free home away from home for guests battling cancer and their caregivers. More than just a roof over their heads, it&rsquo;s a nurturing community that helps guests access the care they need. 
&ldquo;Hooters is proud to expand its partnership with Hope Lodge to the Dallas community. By hosting monthly dinners along with competitive activities, our goal is to provide comfort, connection, and a sense of home for guests during their treatment. We are truly privileged to support these resilient individuals every month,&rdquo; said Andrea Hill HMC Hospitality Group Executive Vice President. Hooters West End is located at 2201 North Lamar in Dallas. 
About HMC Hospitality Group
HMC Hospitality Group., founders of the Original Hooters concept, own and operate over 75 Hooters locations in Florida (Tampa Bay, Central Florida, and Jacksonville to Palm Bay), Chicagoland, Texas, Northern Indiana, and Georgia and two Hoots locations in Chicagoland. For over 40 years, the Original Hooters group has been known for its World Famous Chicken Wings, electric atmosphere, and legendary service from its proud and iconic Hooters Girls. As Hooters undergoes a strategic transformation, the brand is returning to the core principles that defined its early success &mdash; neighborhood hospitality, fresh and craveable food, and a one-of-a-kind dining experience. Original Hooters, along with their partners from Hoot Owl Restaurants LLC, will now operate the majority of domestic locations across the US. For more information about Hooters please visit <a href="https://www.originalhooters.com/" target="_blank" rel="noopener nofollow">www.originalhooters.com</a> or follow them at Instagram @originalhooters and Facebook <a href="https://www.facebook.com/originalhooters" target="_blank" rel="noopener nofollow">https://www.facebook.com/originalhooters</a>.

Hooters Brings Wingo to Hope Lodge in Dallas

Hooters is partnering with Dallas Hope Lodge for dinner and providing an evening activity for guests battling cancer and their caregivers. On June...

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