All Roll Calls
Yes: 279 • No: 14
TexasSB 164489th Legislature Regular SessionSenateWALLET
Relating to the use of a consumer's credit score in the underwriting or rating of certain personal lines property and casualty insurance policies.
Sponsored By: Charles Schwertner (Republican), John T. Smithee
Signed by Governor
Insurance--Insurers & AgentsInsurance--Property & CasualtyCREDIT REPORTSCREDIT SCORING
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Fresher credit reports for Texas insurance
The law took effect September 1, 2025, and covers personal property and casualty insurance policies delivered, issued for delivery, or renewed beginning January 1, 2026. Earlier policies remain under prior law. When credit information leads to an unfavorable decision, insurers must use reports issued within 90 days before first issuance or renewal. Within 30 days, insurers must give applicants or policyholders written or electronic notice explaining the action and reasons. Notices must include the credit reporting agency’s name, address, phone number, and toll-free number and website when applicable. They must explain the right to a free report within 60 days after notice and to dispute inaccurate or incomplete information. Insurers may include the right to request a policy review and new price when applicable. Notices no longer must explain that the reporting agency did not make the decision or cannot explain its specific reasons.
Credit reviews can change Texas insurance prices
These rules cover Texas personal property and casualty policies delivered, issued for delivery, or renewed beginning January 1, 2026. Insurers using credit scores must update credit reports at least every 36 months, reassess policy ratings, and adjust premiums. At renewal, you or your agent can request a new coverage and price review using a current credit report. Insurers must honor these requests, but not more than once every 12 months. Updated scores can raise or lower premiums. Insurers need not update scores and ratings for policyholders in the lowest-priced tier across their affiliated insurance companies. Updates also are not required when the policy or coverage type does not use credit scoring. Insurers may obtain credit scores under their underwriting guidelines at renewal before the 36-month period ends.
Sponsors & Cosponsors
Sponsors
Charles Schwertner
Republican • Senate
John T. Smithee
House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 5/28/2025
Record vote
Yes: 131 • No: 10
House vote • 5/27/2025
Record vote
Yes: 129 • No: 4
Senate vote • 4/10/2025
Record vote
Yes: 0 • No: 0
Senate vote • 4/10/2025
Record vote
Yes: 0 • No: 0
House vote • Unknown
Committee vote: Insurance
Yes: 8 • No: 0
Senate vote • Unknown
Committee vote: Business & Commerce
Yes: 11 • No: 0
Actions Timeline
Effective on 9/1/25
6/20/2025HouseSigned by the Governor
6/20/2025HouseSent to the Governor
6/1/2025HouseSigned in the House
6/1/2025HouseSigned in the Senate
5/31/2025SenateReported enrolled
5/29/2025SenateHouse passage reported
5/28/2025SenateRecord vote (RV#3895)
5/28/2025HousePassed
5/28/2025HouseRead 3rd time
5/28/2025HouseStatement(s) of vote recorded in Journal
5/27/2025HouseRecord vote (RV#3792)
5/27/2025HousePassed to 3rd reading
5/27/2025HouseRead 2nd time
5/27/2025HousePlaced on General State Calendar
5/25/2025HouseConsidered in Calendars
5/23/2025HouseConsidered in Calendars
5/22/2025HouseCommittee report sent to Calendars
4/30/2025HouseCommittee report distributed
4/29/2025HouseComte report filed with Committee Coordinator
4/29/2025HouseReported favorably w/o amendment(s)
4/24/2025HouseConsidered in formal meeting
4/24/2025HouseReferred to Insurance
4/17/2025HouseRead first time
4/17/2025HouseReceived from the Senate
4/14/2025House
Bill Text
Engrossed
Enrolled
House Committee Report
Introduced
Senate Committee Report
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