All Roll Calls
Yes: 435 • No: 0
TexasHB 423889th Legislature Regular SessionHouse
Relating to the collection of consumer debt incurred by certain individuals as a result of identity theft.
Sponsored By: Stan Lambert, Morgan Meyer, Mihaela Plesa, Judith Zaffirini (Democratic)
Signed by Governor
Crimes--Against Persons--GeneralFinancial--GeneralCRIME VICTIMSDEBTIDENTITY THEFT
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Debt collection protections for identity theft victims
Beginning September 1, 2025, Texas law protects identity theft victims from collection of covered consumer debts. Home loans and debts with an existing judgment are excluded. Creditors and collectors receiving a qualifying Texas or other-state court order cannot collect debt caused by the identity theft it describes. After receiving the required identity theft notice, they must stop collecting the disputed amount within seven business days. They must also tell everyone who received their debt report that the amount is disputed and not collectible from the victim. Sales or transfers for collection are barred, except to collect from the alleged thief or another responsible person. Creditors can still enforce claims against personal property securing the debt, but cannot collect any remaining balance from the victim. The law also lets creditors and collectors sue the alleged thief to recover the disputed debt.
Sponsors & Cosponsors
Sponsors
Stan Lambert
House
Morgan Meyer
House
Mihaela Plesa
House
Judith Zaffirini
Democratic • Senate
Cosponsors
Molly Cook
Democratic • Senate
Lois Kolkhorst
Republican • Senate
Royce West
Democratic • Senate
Roll Call Votes
House vote • 5/23/2025
Record vote
Yes: 135 • No: 0
Senate vote • 5/19/2025
Record vote
Yes: 0 • No: 0
Senate vote • 5/19/2025
Record vote
Yes: 0 • No: 0
House vote • 4/30/2025
Record vote
Yes: 135 • No: 0
House vote • 4/29/2025
Record vote
Yes: 147 • No: 0
Senate vote • Unknown
Committee vote: Business & Commerce
Yes: 11 • No: 0
House vote • Unknown
Committee vote: Pensions, Investments & Financial Services
Yes: 7 • No: 0
Actions Timeline
Effective on 9/1/25
6/20/2025HouseSigned by the Governor
6/20/2025HouseSent to the Governor
5/26/2025HouseSigned in the Senate
5/25/2025SenateSigned in the House
5/25/2025HouseReported enrolled
5/24/2025HouseHouse concurs in Senate amendment(s)-reported
5/23/2025SenateText of Senate Amendment(s)
5/23/2025HouseRecord vote (RV#3429)
5/23/2025HouseHouse concurs in Senate amendment(s)
5/23/2025HouseSenate Amendments Analysis distributed
5/20/2025HouseSenate Amendments distributed
5/20/2025HouseSenate passage as amended reported
5/20/2025HouseCo-sponsor authorized
5/20/2025SenateRecord vote
5/19/2025SenatePassed
5/19/2025SenateRead 3rd time
5/19/2025SenateRecord vote
5/19/2025SenateThree day rule suspended
5/19/2025SenateVote recorded in Journal
5/19/2025SenatePassed to 3rd reading as amended
5/19/2025SenateVote recorded in Journal
5/19/2025SenateAmended
5/19/2025SenateAmendment(s) offered (FA1 Zaffirini)
5/19/2025SenateRead 2nd time
5/19/2025Senate
Bill Text
Engrossed
Enrolled
House Committee Report
Introduced
Senate Committee Report
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