Relating to the regulation of state banks.

HB 3804 amends Texas Finance Code definitions to clarify what constitutes a "deposit" for state bank regulation. It specifically defines "deposit" to include common banking arrangements like checking/savings accounts and checks, while explicitly excluding obligations like immediate payment reductions toward debt. The bill also updates exemptions for securities acquisitions by controlling persons of state banks. These changes directly affect how Texas state banks categorize and report financial liabilities under regulatory requirements. The bill became law on June 20, 2025, after passing both chambers and receiving gubernatorial approval.