TX SB2700

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, both regulated and deregulated

Study must analyze title insurance claims, premiums, paid losses, incurred losses, expenses, investment income, and other rate factors in Texas compared to other states

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

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

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