TX SB696

Prohibits consumer reporting agencies from including records of arrest, charge, or indictment for alleged crimes that did not result in a conviction or deferred adjudication community supervision in consumer reports

Removes "arrest" and "indictment" from the existing 7-year reporting limitation for criminal records, limiting that timeframe to only apply to conviction records

Maintains existing reporting limitations including 10 years for bankruptcy cases, 7 years for suits/judgments, tax liens, and other items

Continues protection against reporting certain medical collection accounts for out-of-network emergency care when the consumer had health insurance coverage

Takes effect immediately with two-thirds legislative vote, otherwise September 1, 2025