Tex. Ins. Code § 559.101 · Subchapter C. COMPUTING CREDIT SCORE; EVALUATING CREDIT INFORMATION
NEGATIVE FACTORS.
Text — Current through the 89th 2nd Called Legislative Session, 2025
An insurer may not use any of the following as a negative factor in any credit scoring methodology or in reviewing credit information to underwrite or rate a policy of personal insurance:
(1) a credit inquiry that is not initiated by the consumer;
(2) an inquiry relating to insurance coverage, if so identified on a consumer's credit report; or
(3) a collection account with a medical industry code, if so identified on the consumer's credit report.
Notes and commentary — not statutory text
History
Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.
Source of truth
- Edition
- Current through the 89th 2nd Called Legislative Session, 2025
- Official file
- https://statutes.capitol.texas.gov/Docs/IN/htm/IN.559.htm
- Text hash
- sha256 410ee879a53723703bca44a037b4b6ba31ff08b975bf5666e4b67e4d654e341d
- Composed by
- compose_tx.py 2026-10-05: the Legislative Council's chapter files read in document order; verify_tx.py's independent reading (lxml DOM walk) agrees character for character
Procedural information only. Not legal advice and not a substitute for the advice of an attorney. Confirm the current text with the official publisher before relying on it.