Relating to the use of a consumer's credit score in the underwriting or rating of certain personal lines property and casualty insurance policies.

This bill requires Texas insurers to use credit reports no older than 90 days when setting rates for personal property and casualty insurance (like home or auto policies). Insurers must update credit data every 36 months, notify policyholders of any premium changes tied to credit score updates, and allow annual re-evaluations upon request. Consumers can opt out of credit score updates or request a rate review, with exceptions for policies not using credit scoring. The rules apply to policies delivered, issued, or renewed on or after January 1, 2026.