Tex. Ins. Code Section 559.101
Negative Factors

An insurer may not use any of the following as a negative factor in any credit scoring methodology or in reviewing credit information to underwrite or rate a policy of personal insurance:


a credit inquiry that is not initiated by the consumer;


an inquiry relating to insurance coverage, if so identified on a consumer’s credit report; or


a collection account with a medical industry code, if so identified on the consumer’s credit report.
Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.

Source: Section 559.101 — Negative Factors, https://statutes.­capitol.­texas.­gov/Docs/IN/htm/IN.­559.­htm#559.­101 (accessed Jun. 5, 2024).

Jun. 5, 2024

§ 559.101’s source at texas​.gov