# Tennessee SB 0766: AN ACT to amend Tennessee Code Annotated, Title 56, Chapter 37, relative to premium finance companies. Tennessee SB 0766, AN ACT to amend Tennessee Code Annotated, Title 56, Chapter 37, relative to premium finance companies., is a 114th General Assembly (2025-2026) Senate bill sponsored by no sponsor on record; status signed, last action 2025-04-29 (Effective date(s) 04/24/2025); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/TN-SB0766-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Tennessee SB 0766 - State: Tennessee - Session: 114th General Assembly (2025-2026) - Title: AN ACT to amend Tennessee Code Annotated, Title 56, Chapter 37, relative to premium finance companies. - Status: signed - Chamber: Senate - Introduced: 2025-02-04 - Last action: 2025-04-29, Effective date(s) 04/24/2025 - Sponsors: no sponsor on record - Cosponsors: 0 - Subjects: Banks and Financial Institutions - Touches household money: yes - Roll calls: 5 (184 yes, 42 no in all) - Economic provisions PRIA read: 2 ## Summary No summary available. ## Bill overview: provisions PRIA read - Electronic payment fees capped for insurance borrowers: mixed, low. Tennessee's licensed premium finance companies can charge convenience fees when borrowers pay electronically, including by credit or debit card. Fees cannot exceed actual third-party processing costs, or the average costs across electronic payment types charged the fee. When a parent company proces… - Insurance borrowers face returned-payment fees: mixed, low. Licensed premium finance companies can charge a handling fee when a bank rejects a payment toward a loan or credit. This covers checks, drafts, card payments, electronic transfers, electronic checks, and other electronic payment instruments. The fee follows Tennessee's existing handling-charge law;… ## Sponsors and cosponsors - (none) ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-14 | House | FLOOR VOTE: REGULAR CALENDAR PASSAGE ON THIRD CONSIDERATION 4/14/2025 | pass | 82 | 12 | | | 2025-04-14 | House | HOUSE CALENDAR & RULES COMMITTEE | pass | 17 | 3 | | | 2025-04-03 | House | FLOOR VOTE: REGULAR CALENDAR PASSAGE ON THIRD CONSIDERATION 4/3/2025 | fail | 48 | 27 | | | 2025-03-10 | Senate | FLOOR VOTE: Motion to Adopt 3/10/2025 | pass | 30 | 0 | | | 2025-03-04 | Senate | SENATE COMMERCE AND LABOR COMMITTEE | pass | 7 | 0 | | ## Actions (22) - 2025-04-29: Effective date(s) 04/24/2025 - 2025-04-29: Pub. Ch. 258 - 2025-04-24: Signed by Governor. (Senate) - 2025-04-21: Transmitted to Governor for action. (Senate) - 2025-04-21: Signed by H. Speaker (House) - 2025-04-17: Signed by Senate Speaker (Senate) - 2025-04-16: Enrolled and ready for signatures (Senate) - 2025-04-14: Passed H., Ayes 82, Nays 12, PNV 0 (House) - 2025-04-10: H. Placed on Regular Calendar for 4/14/2025 (House) - 2025-04-09: Placed on cal. Calendar & Rules Committee for 4/10/2025 (House) - 2025-04-03: Re-ref. Calendar & Rules Committee (House) - 2025-04-03: Subst. for comp. HB. (House) - 2025-03-13: Rcvd. from S., held on H. desk. (House) - 2025-03-10: Engrossed; ready for transmission to House (Senate) - 2025-03-10: Passed Senate, Ayes 30, Nays 0 (Senate) - 2025-03-07: Placed on Senate Consent Calendar 2 for 3/10/2025 (Senate) - 2025-03-04: Recommended for passage, refer to Senate Calendar Committee (Senate) - 2025-02-25: Placed on Senate Commerce and Labor Committee calendar for 3/4/2025 (Senate) - 2025-02-25: Placed on Senate Commerce and Labor Committee calendar for 3/4/2025 (Senate) - 2025-02-12: Passed on Second Consideration, refer to Senate Commerce and Labor Committee (Senate) - 2025-02-10: Introduced, Passed on First Consideration (Senate) - 2025-02-04: Filed for introduction (Senate) ## Bill text - Enrolled / Public Chapter: [PDF](https://publications.tnsosfiles.com/acts/114/pub/pc0258.pdf) - Fiscal Note: [PDF](https://capitol.tn.gov/Bills/114/Fiscal/SB0766.pdf) - Introduced: [PDF](https://capitol.tn.gov/Bills/114/Bill/SB0766.pdf) ## Related bills - SB 0539: AN ACT to amend Tennessee Code Annotated, Title 7; Title 13; Title 48; Title 49; Title 67 and Title 68, relative to low-income housing. (signed) - SB 0254: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Title 55, relative to criminal law. (signed) - SB 0198: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes. (signed) - HB 2670: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 85 of the Private Acts of 2004; and any other acts amendatory thereto, relative t… (signed) - HB 2656: AN ACT to amend Chapter 325 of the Private Acts of 1945; as amended by Chapter 335 of the Private Acts of 1968; Chapter 282 of the Private Acts of 1972; Chapte… (signed) - HB 2666: AN ACT to amend Chapter 131 of the Private Acts of 1969; as amended by Chapter 85 of the Private Acts of 1987; Chapter 74 of the Private Acts of 1995; Chapter… (signed) ## Sources - [Enrolled / Public Chapter (PDF)](https://publications.tnsosfiles.com/acts/114/pub/pc0258.pdf) - [Fiscal Note (PDF)](https://capitol.tn.gov/Bills/114/Fiscal/SB0766.pdf) - [Introduced (PDF)](https://capitol.tn.gov/Bills/114/Bill/SB0766.pdf) ## Related - [SB 0539: AN ACT to amend Tennessee Code Annotated, Title 7; Title 13; Title 48; Title 49…](https://policyrisk.com/state-bill/TN-SB0539-2025-2026) - [SB 0254: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Titl…](https://policyrisk.com/state-bill/TN-SB0254-2025-2026) - [SB 0198: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes.](https://policyrisk.com/state-bill/TN-SB0198-2025-2026) - [HB 2670: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 8…](https://policyrisk.com/state-bill/TN-HB2670-2025-2026) - [HB 2656: AN ACT to amend Chapter 325 of the Private Acts of 1945; as amended by Chapter…](https://policyrisk.com/state-bill/TN-HB2656-2025-2026) - [HB 2666: AN ACT to amend Chapter 131 of the Private Acts of 1969; as amended by Chapter…](https://policyrisk.com/state-bill/TN-HB2666-2025-2026) - [Tennessee bills](https://policyrisk.com/states/tennessee/bills) - [Tennessee state hub](https://policyrisk.com/states/tennessee) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/TN-SB0766-2025-2026 (as of 2026-11-01).