Monitoring the SessionHB 1350
Died in committee
Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade
relating to a restriction on total charges charged for extensions of consumer credit that a credit services organization obtains for a consumer or assists a consumer in obtaining.
Caption from analyzed text · version I.
Every fee counts toward the 36 percent.
The bill caps the annual percentage rate at 36 percent on any consumer loan that a credit services organization arranges or helps a consumer get. The rate must count everything the borrower pays, including interest, lender charges, and any fees the credit services organization or its representative collects. That reaches payday and auto-title style credit access businesses, whose fees become subject to the cap for loans made on or after September 1, 2025.
Labels: ZOMBIE BILL. Died 2 times: 88R HB 2256 (Died in committee) and this bill (Died in committee). Checked against 88R only.BACK FROM THE DEAD. Same text as a bill filed before that died: 88R HB 2256 (Died in committee). Filed in 2 sessions, counting this one. Checked against 88R only.TRY NO. 2. Filed in 2 sessions: 88R and 89R. Checked against 88R only.NEVER GOT A HEARING. Filed Nov 15, 2024 and referred to the House Pensions, Investments & Financial Services committee. No public hearing. The bill died.
89R-HB1350 · 2024-11-15
relating to a restriction on total charges charged for extensions of consumer credit that a credit services organization obtains for a consumer or assists a consumer in obtaining.
Every fee counts toward the 36 percent.
The bill caps the annual percentage rate at 36 percent on any consumer loan that a credit services organization arranges or helps a consumer get. The rate must count everything the borrower pays, including interest, lender charges, and any fees the credit services organization or its representative collects. That reaches payday and auto-title style credit access businesses, whose fees become subject to the cap for loans made on or after September 1, 2025.
[ ] NONE FOUND
No fiscal note in the loaded record.
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
Not tied to this bill.
The author's campaign account only. Own money and internal transfers are separate on the member page.
Derived itemized flow · Oct 27, 2024 to Jun 1, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
$107,500.00
Also funds 137 other sitting lawmakers.
Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamDerived itemized flow · Dec 6, 2024 to Feb 21, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 100985193, 101006969, 101027154, 101035221, 101040103.
$100,389.10
Also funds 140 other sitting lawmakers.
Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamDerived itemized flow · Dec 4, 2024 to Mar 3, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 100985193, 101006969, 101027154, 101040103, 101064980.
$84,000.00
Also funds 121 other sitting lawmakers.
Derived recipient stock · Jul 3, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamDerived itemized flow · Dec 6, 2024 to Feb 6, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 100985193, 101040103.
Missing data does not establish zero giving. Display amounts are rounded.
$107,500.00
Also funds 137 other sitting lawmakers.
Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamDerived itemized flow · Dec 6, 2024 to Feb 21, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 100985193, 101006969, 101027154, 101035221, 101040103.
$100,389.10
Also funds 140 other sitting lawmakers.
Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamDerived itemized flow · Dec 4, 2024 to Mar 3, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 100985193, 101006969, 101027154, 101040103, 101064980.
$84,000.00
Also funds 121 other sitting lawmakers.
Derived recipient stock · Jul 3, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamDerived itemized flow · Dec 6, 2024 to Feb 6, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 100985193, 101040103.
No floor vote loaded for this bill.
No fiscal note in the loaded record.
Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.
Filed 2 times: 88R and 89R. Checked against 88R only.
by Rep. Turner, same lead author · Died in committee · same text
Introduced textLast action, Mar 9, 2023: Referred to Pensions, Investments & Financial Services
Relating to a restriction on total charges charged for extensions of consumer credit that a credit services organization obtains for a consumer or assists a consumer in obtaining.
Caption, 88R bill history
Texas House · Filed Nov 15, 2024
03/10/2025 H Referred to Pensions, Investments & Financial Services: Mar 10 2025 2:24PM
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
House committee · Pensions, Investments & Financial Services · Final status: Died in committee
Financial--General
CREDIT SERVICE ORGANIZATIONS
The text as introduced · 329 words
89R3558 MLH-F By: Turner H.B. No. 1350 A BILL TO BE ENTITLED AN ACT relating to a restriction on total charges charged for extensions of consumer credit that a credit services organization obtains for a consumer or assists a consumer in obtaining. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. Subchapter D, Chapter 393, Finance Code, is amended by adding Section 393.308 to read as follows: Sec. 393.308. RESTRICTION ON CHARGES CHARGED IN CONNECTION WITH EXTENSIONS OF CONSUMER CREDIT. (a) For purposes of this section, the annual percentage rate of an extension of consumer credit is calculated including the total charges charged to the consumer in connection with the extension of consumer credit, including interest, lender charges, and any fees or any other valuable consideration received by the credit services organization or a representative of the organization. (b) The annual percentage rate of an extension of consumer credit that a credit services organization obtains for a consumer or assists a consumer in obtaining may not exceed 36 percent. SECTION 2. Section 393.602(b), Finance Code, is amended to read as follows: (b) Subject to Section 393.308, a [ A ] credit access business may assess fees for its services as agreed to between the parties. A credit access business fee may be calculated daily, biweekly, monthly, or on another periodic basis. A credit access business is permitted to charge amounts allowed by other laws, as applicable. A fee may not be charged unless it is disclosed. SECTION 3. Section 393.308, Finance Code, as added by this Act, applies only to an extension of consumer credit made on or after the effective date of this Act. An extension of consumer credit made before the effective date of this Act is governed by the law in effect on the date the extension of consumer credit was made, and the former law is continued in effect for that purpose. SECTION 4. This Act takes effect September 1, 2025.