Texas dealer doc fee: the $225 rule
Under Texas rules, a documentary fee of $225 or less is presumed reasonable, for both cash and financed sales. To charge more, a dealer must first file written notice and a cost analysis with the Office of Consumer Credit Commissioner (OCCC).
What the rule says
Texas Administrative Code, Title 7, § 84.205 says a documentary fee of $225 or less is presumed reasonable. The threshold was raised from $150 in an amendment effective July 11, 2024. To charge more than $225, the seller must notify the OCCC in writing of the maximum fee and provide a cost analysis showing the fee covers document preparation and processing costs.
If your Texas doc fee is above $225
- Ask whether the dealership filed a cost analysis with the OCCC for its higher fee.
- Ask what the fee covers.
- If the dealer says the fee is fixed, ask for the selling price to come down by the difference.
Other states
Doc fee rules vary widely. Some states set a cap and others don't regulate the amount. Wherever you buy, compare out-the-door prices, because a high doc fee can be offset by a lower selling price.
Buying in Texas? We'll check the doc fee and every other line on your worksheet.
Check my deal · $125This guide is general consumer information, not legal or financial advice. Rules vary by state and change over time; check the sources below and your own documents.