TX SB1644

Insurers using credit scores for personal lines property and casualty insurance must use credit reports issued within 90 days of policy issuance or renewal when taking adverse action against an insured

Insurers must review and update an insured's credit report at least every 36 months and adjust premiums based on the updated credit score

Insureds or their agents may request the insurer re-underwrite and re-rate their policy based on a current credit score once per 12-month period upon renewal

Insurers must notify consumers of their right to request policy re-rating when adverse action is taken based on credit information

Credit score update requirements do not apply if the insured is already in the most favorable pricing tier or if credit scoring is not used for that policy type; applies to policies issued or renewed on or after January 1, 2026