TX HB5198

Texas Department of Insurance must conduct a comprehensive study comparing the state's current title insurance rate-setting system with alternative regulatory models used in other states

Study must analyze how Texas title insurance rates compare to both regulated and deregulated states, and examine claims, premiums, losses, expenses, and investment income data

Assessment required on potential impacts of adopting alternative rate regulatory models on market competition, consumers, title insurers, and the real estate market

Department must submit a report with study conclusions and recommendations for legislative or regulatory changes to the legislature by December 1, 2026

Act takes effect September 1, 2025 and expires January 1, 2027