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<CONFORMED-NAME>ACE CASH EXPRESS INC/TX
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<FISCAL-YEAR-END>0630
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<STREET1>1231 GREENWAY DR STE 800
<CITY>IRVING
<STATE>TX
<ZIP>75038
<PHONE>2145505000
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<FORMER-CONFORMED-NAME>ACE CASH EXPRESS INC
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<P align="center" style="font-size: 14pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<P align="center" style="font-size: 18pt"><B>FORM 8-K</B>


<P align="center" style="font-size: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d) of the Securities<BR>
Exchange Act of 1934</B>


<P align="center" style="font-size: 10pt"><B>June&nbsp;30, 2005</B><BR>
(Date of earliest event reported)


<P align="center" style="font-size: 24pt"><B>ACE CASH EXPRESS, INC.</B>


<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>


<DIV align="center">
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<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
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<TR valign="bottom">
    <TD align="center" valign="top"><B>Texas</B><BR>
(State or other jurisdiction of<BR>
incorporation)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>0-20774</B><BR>
(Commission file number)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>75-2142963</B><BR>
(I.R.S. employer<BR>
identification no.)</TD>
</TR>
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</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><B>1231 Greenway Drive, Suite&nbsp;600<BR>
Irving, Texas 75038</B><BR>
(Address of principal executive offices)



<P align="center" style="font-size: 10pt"><B>(972)&nbsp;550-5000</B><BR>
(Registrant&#146;s telephone number,<BR>
including area code)



<P align="center" style="font-size: 10pt"><B>Not Applicable</B><BR>
(Former Name or Former Address,<BR>
if Changed Since Last Report)



<P align="center" style="font-size: 10pt"><DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 100%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>


<P align="left" style="font-size: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy
the filing obligation of the registrant under any of the following provisions (see General
Instruction A.2 below):



<P align="left" style="font-size: 10pt"><FONT face="Wingdings">&#111;</FONT> Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)



<P align="left" style="font-size: 10pt"><FONT face="Wingdings">&#111;</FONT> Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)



<P align="left" style="font-size: 10pt"><FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))



<P align="left" style="font-size: 10pt"><FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule&nbsp;13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))



<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>









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<P align="left" style="font-size: 10pt"><B>Item&nbsp;7.01 Regulation&nbsp;FD Disclosure.</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On June&nbsp;30, 2005, Ace Cash Express, Inc. issued a press release announcing that effective July
1, 2005, it will begin offering a new loan product to Texas consumers. A copy of that press
release is Exhibit&nbsp;99.1 to this report.


<P align="left" style="font-size: 10pt"><B>Item&nbsp;9.01 Financial Statements and Exhibits.</B>


<DIV align="center">
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    <TD width="92%">&nbsp;</TD>
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<TR valign="bottom">
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">(c)
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Exhibits.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Exhibit&nbsp;99.1 Press release dated June&nbsp;30, 2005.</TD>
</TR>
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</DIV>


<P align="center" style="font-size: 10pt"><B>SIGNATURES</B>


<P align="left" style="font-size: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.



<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
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    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>ACE CASH EXPRESS, INC.</B><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">Dated: June 30, 2005&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ WILLIAM S. MCCALMONT
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;William S. McCalmont&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Vice President and<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

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<P align="center" style="font-size: 10pt">2
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    <TD width="1%">&nbsp;</TD>
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    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>

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<P align="center" style="font-size: 10pt"><B>EXHIBIT INDEX</B>


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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><U>Exhibit&nbsp;No.</U>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><U>Description</U></TD>
</TR>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Press release dated June&nbsp;30, 2005.</TD>
</TR>
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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d26735exv99w1.htm
<DESCRIPTION>PRESS RELEASE
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<P align="right" style="font-size: 10pt"><B>Exhibit&nbsp;99.1</B>



<P align="left" style="font-size: 12pt"><B>FOR IMMEDIATE RELEASE</B>



<P align="left" style="font-size: 10pt"><B>Media Contacts:</B>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="45%">&nbsp;</TD>
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    <TD width="45%">&nbsp;</TD>
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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">William S. McCalmont, EVP &#038; CFO
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eric Norrington, VP of Communications</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">972/753-2314
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">972/550-5032</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><u>wmccalmont@acecashexpress.com</u>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><u>enorrington@acecashexpress.com</u></TD>
</TR>
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</DIV>


<P align="center" style="font-size: 10pt"><B>ACE CASH EXPRESS INTRODUCES NEW LOAN PRODUCT<BR>
TO TEXAS CONSUMERS</B>


<P align="left" style="font-size: 10pt">DALLAS&#151; (BUSINESS WIRE)&#151;June&nbsp;30, 2005&#151;ACE Cash Express, Inc. (NASDAQ: AACE) announced that
effective July&nbsp;1, 2005, it will begin offering a new loan product to Texas consumers. This new
product will be in addition to the current loan product offered by Republic Bank and Trust Company.


<P align="left" style="font-size: 10pt">This new loan product will allow consumers who exceed the maximum allowable loans under the FDIC
Guidance to still have access to short-term credit. The new loan is regulated under Subchapter F
of Chapter&nbsp;342 of the Texas Finance Code.


<P align="left" style="font-size: 10pt">Allen Klose, Chief Marketing Officer, commented, &#147;We believe our customers will benefit from having
both of these loan products. Consumers often need help with unexpected expenses and we want to
ensure that their needs can be met through quick and convenient access to short-term credit.&#148;


<P align="left" style="font-size: 10pt">In addition to this new product in Texas, ACE continues to evaluate and consider other alternative
products for Pennsylvania, Arkansas, and Texas. Among other products under evaluation are
installment loans from FDIC insured banks. ACE is also considering possibly registering as a
Credit Services Organization in Texas.


<P align="left" style="font-size: 10pt"><U><B>About ACE Cash Express</B></U><BR>
ACE Cash Express, Inc. is a leading retailer of financial services, including check cashing,
short-term consumer loans and bill payment services, and the largest owner,



<P align="center" style="font-size: 10pt">&nbsp;
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<P align="left" style="font-size: 10pt">operator and franchisor of check cashing stores in the United States. As of March&nbsp;31, 2005, ACE
had a network of 1,331 stores in 37 states and the District of Columbia, consisting of 1,118
company-owned stores and 213 franchised stores. ACE focuses on serving consumers, many of whom
seek alternatives to traditional banking relationships in order to gain convenient and immediate
access to check cashing services and short-term consumer loans. ACE&#146;s website is found at
<U>http://www.acecashexpress.com</u>.


<P align="left" style="font-size: 10pt"><U><B>Forward-Looking Statements</B></U><BR>
This release contains certain &#147;forward-looking statements&#148; within the meaning of Section&nbsp;27A
of the Securities Act of 1933, as amended, and Section&nbsp;21E of the Securities Exchange Act of 1934,
as amended. These statements are generally identified by the use of words such as &#147;expect,&#148;
&#147;anticipate,&#148; &#147;estimate,&#148; &#147;believe,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;target,&#148; &#147;goal,&#148; &#147;should,&#148; &#147;would,&#148; and
terms with similar meanings.


<P align="left" style="font-size: 10pt">Although ACE believes that the current views and expectations reflected in these forward-looking
statements are reasonable, these views and expectations, and the related statements, are inherently
subject to risks, uncertainties, and other factors, many of which are not under ACE&#146;s control and
may not even be predictable. Any inaccuracy in the assumptions, as well as those risks,
uncertainties and other factors could cause the actual results to differ materially from these in
the forward-looking statements. These risks, uncertainties, and factors include, but are not
limited to, matters described in ACE&#146;s reports filed with the Securities and Exchange Commission,
such as:



<div>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>ACE&#146;s relationships with Republic Bank &#038; Trust Company, with Travelers Express and its
affiliates and with its bank lenders;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>ACE&#146;s relationships with providers of services or products offered by ACE or property
used in its operations;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>federal and state governmental regulation of check cashing, short-term consumer lending
and related financial services businesses;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any impact on the loans offered by Republic Bank &#038; Trust Company at ACE&#146;s stores in
Texas, Pennsylvania and Arkansas from the implementation of the revised Guidelines for
Payday Lending announced on March&nbsp;1, 2005 by the</TD>
</TR>

</TABLE>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Federal Deposit Insurance Corporation, which revised Guidelines provide guidance to banks
that engage in payday lending, and include a requirement that such banks develop procedures
to ensure that a payday loan is not provided to any customer with payday loans outstanding
from any lender for more than 3&nbsp;months in the previous 12&nbsp;months;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any litigation regarding ACE&#146;s short-term consumer lending activities;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>theft and employee errors;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the availability of adequate financing, suitable locations, acquisition opportunities
and experienced management employees to implement ACE&#146;s growth strategy;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>increases in interest rates, which would increase ACE&#146;s borrowing costs;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the fragmentation of the check cashing industry and competition from various other
sources, such as banks, savings and loans, short-term consumer lenders, and other similar
financial services entities, as well as retail businesses that offer services offered by
ACE;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the terms and performance of third-party services offered at ACE&#146;s stores; and</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>customer demand and response to services offered at ACE&#146;s stores.</TD>
</TR>

</TABLE>

<P align="left" style="font-size: 10pt">ACE expressly disclaims any obligation to update or revise any of these forward-looking
statements, whether because of future events, new information, a change in ACE&#146;s views or
expectations, or otherwise. ACE makes no prediction or statement about the performance of its
common stock.



<P align="center" style="font-size: 10pt">###




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