Who We Are

Who We Are

Who is C.A.B. Consulting and Brokerage?

C.A.B. Consulting and Brokerage is a payday industry based business that assists other companies in the traditional consulting sense as they operate in the dynamic financial services sector.  We learn needs and call on our industry knowledge and relationships to provide solutions to our clients.

Also, we operate as a broker who facilitates new relationships between companies and collaborate to help them execute deals.

Our strengths are centered around payday industry licensing, compliance, capital, acquistions, procedures, and operations in the payday and auto title loan industy. It is our goal to build relationships, understand needs, and provide pathways to achieving goals.

C.A.B. Consulting is headed by Michael Brown.  Michael attended high school at W.B. Ray in Corpus Christi, Texas.  He later attended the University of Texas at Austin and graduated with a degree Radio Television and Film in 1996.  In his later years at Texas he began focusing on Advertising Sales and started his career by working for several Radio and Television stations.  In early 2003 Michael and a trusted partner started an online payday loan website named My Cash Time.com.  Starting with just an online lending operation, the company eventually grew into the retail sector where they operated stores in Utah, New Mexico, and Texas.

Michael is married to a stunningly beautiful, intelligent, and wonderful woman named Amanda. Together they have two children, Dylan and Amelia.

C.A.B. Consulting and Brokerage — Texas Credit Access Business Resources — Page 2

Silicon Valley FinTech “Earnin” may need to buckle up for a bumpy ride.

September 11, 2019

The New York Times ran a bit of an “expose” on “Earnin,” an online lending FinTech that may need to buckle up for a bumpy ride… It seems like each week there is a new Silicon Valley FinTech anti-payday loan venture that is launched with millions in funding and all the slick PR you can […]

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Back to School is here is your small business ready?

August 13, 2019

Did you know that for many the Back to School season each August is the second highest seasonal demand period for the payday industry?  Only the Christmas and New Year Holiday time frame beats Back to School in terms of seasonal demand. For Texas Credit Access Businesses offering cash advances, payday loans, or title loans, […]

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A new tool for payday borrowers that may or may not be a good thing for loan defaults.

August 6, 2019

Recently another new dynamic in our industry has surfaced and this is reminder that as a small business owner in the payday loan-cash advance-installment loan industry, everyone on your team needs to continually study and learn customer behaviors.  What is this new dynamic? It is the borrower habit of switching their debit card “on” “off” […]

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Retail “brick and mortar” businesses across many industries continue to shutter. Why?

July 29, 2019

In today’s world of the smart phone, apps, and Amazon, every retail “brick and mortar” business needs to evolve around the newer consumer behaviors in the virtual marketplace.  As surprising as it is, many companies like Toys R’ Us and Sears with decades of brand loyalty just could not make their model compete and evolve in […]

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Strong job market could mean small employers are getting “ghosted” how can you prevent it?

July 24, 2019

This week an interesting article came out in Fox Business (written in Motley Fool) titled “4 reasons hourly workers reject jobs – and what to do about them.”   Many of small business owners in Texas could be seeing a rise in the so-called millennial generation phenomenon of “ghosting.” According to the Urban Dictionary “Ghosting” means the shutdown/ceasing […]

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Texas Debt Buyer Bill is set to be signed by Governor Abbott

June 19, 2019

House Bill 996 a “Debt Buyer Bill” is set to be signed by Governor Abbott.  This particular bill limits when a debt buyer can initiate legal action or arbitration to collect consumer debt. It also requires specific notices to be provided to the consumer with respect to out-of-statute debt.  The new provisions are effective Sept. 1, […]

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AOC and Bernie get slam dunked over their anti-payday loan act.

May 24, 2019

Chris Talgo, a columnist at Townhall.com did a phenomenal job on his recent column regarding Bernie Sanders and AOC’s Loan Shark Prevention Act.  I would say he slam dunked the pair’s “Act” quite nicely.  Within the piece, several hard-hitting facts & statistics were used to counter many assertions made by the two in their recent […]

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Sunset process continues with the OCCC next up is the Stakeholder Meeting to discuss rule amendments.

May 20, 2019

Laurie Hobbs at the OCCC sent out an email to industry “Stakeholders” on Tuesday regarding the continuation of the Sunset process at the OCCC.  Next up is the Stakeholder Meeting to discuss rule amendments.  See below for OCCC’s comments on what will be done and how you can participate. “OCCC would like to inform us […]

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Snapshot on the progress of a five-location retail chain’s Search Engine Marketing Campaign after six months.

May 10, 2019

For the benefit of those who read our posts we are sharing a snapshot on the progress of a five-location retail chain’s Search Engine Marketing Campaign after six months.  This particular business offers cash advances and title loans in the Central Texas area.  What do you think?  Is it doing well with SEO? Room for […]

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Submit your comments to the CFPB by May 15th

May 3, 2019

CFSA has been urging industry stakeholders to submit a comment letter to the CFPB regarding the  “CFPB Rule Proposal to Reconsider the 2017 Payday Lending Rule.”   Again, right now the CFPB ATR and Payment Provisions are on hold which is referred to as a “stay.”  See below for what CFSA is saying we need to do, go […]

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The “Lend 360” Conference is coming up in Dallas on the 25th here are the summary details.

The “Lend 360” Conference is coming up in Dallas on the 25th here are the summary details.

by The CAB Man Texas on September 24, 2019

The “Lend 360” Conference is coming up in Dallas, September 25-27.  Since it is in our back yard versus Florida or California wanted to discuss it a bit and give you some information for you to better decide on whether you will or will not attend. 

Many of our vendor and TOFSC sponsor companies will be there so that is a great reason to go out of the gate. (Microbilt, Clarity, Leads Market, Factor Trust Trans Union, Dot 818, Payliance, Repay, Zero Parallel, Infinity, and Loan Payment Pro) along with many others.

Looking at the schedule over the 3-day period…it starts at 1p on Wednesday, goes until 5p. Thursday is 8a-5p, and Friday is 8a-1130a.  The format appears to be traditional conference presentation style, in 8-10 different rooms of the Fairmont Hotel in downtown Dallas along with a larger vendor / sponsor booth gathering area.

Summary of presentation topics:

  • Federal law – conversation around lending.
  • Small business customer acquisition (could be very relevant to our group).
  • All parts and pieces of the “FinTech” industry – this is the major component of the conference.
  • 2020 election impact on FinTech.
  • Investor outlook on Fintech.
  • Conversation on moving into “alternative credit market” and products / services in the “non-prime market.
  • How FinTechs work with banks, there is more than one of these, so it appears to be a big part of FinTech operations…interesting.
  • How to use multiple domain names for your business online to drive traffic to your business (could be very relevant to our group).
  • Staying ahead of fraudsters (could be very relevant to our group).
  • Data security.
  • FinTech investors and other capital providers will be in attendance and will speak.
  • Advertising and marketing round table (could be very relevant to our group).
  • Making your business recession proof.
  • Optimizing debt selling and collections strategies.

Costs $2,600 to attend and here is a link to more information:  https://www.lend360.org/schedule/

This blog post was written by Michael Brown, President of CAB Consulting and the Texas Organization of Financial Service Centers.  He can be reached at 214-293-8676, or Michael@CreditAccessBusiness.com.

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See below for PDF’s of the Payday Loan and Auto Title Loan related bills that have been proposed this year in Texas’ 83rd Legislative session. On the home page of www.CreditAccessBusiness.com, detailed “blog-style” summaries have been done on each. It is the pleasure of CAB Consulting to provide you with this online resource.

CAB Consulting has retained Keefer Strategies and is actively participating in the legislative conversation this year. We have aligned with many clients and TOFSC to get informed, have our voice heard, and impact the conversation in a positive way. If you would like to learn more about what our group of small to mid-size Credit Access Businesses in Texas are up to, please call Michael Brown at 214-293-8676, or contact him via email at Michael@CreditAccessBusiness.com













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