HB 5173: bill setting deadlines for title insurance data

Caption

relating to annual statistical reports for and the adoption of title insurance premium rates.

Summary

Agents by May 15, companies by July 16, report by September 1.

The bill sets yearly deadlines for the Texas Department of Insurance to request statistical data from title agents (by May 15) and title insurance companies (by July 16), and requires the department to post a summary report of that data on its website by September 1. It also says any title insurance premium rate ordered or adopted that is not already in effect before June 2, 2025, will not take effect, and any new rate must follow this Act. Title agents, title companies, the department and homebuyers who pay title premiums are touched, because a pending rate change is blocked and future rate setting runs on a fixed data calendar with a public summary.

Labels

Labels: STALLED AFTER COMMITTEE. Voted out of the House Insurance committee 7-0 on Apr 24, 2025. Never placed on a calendar. The bill died.

Receipt

The receipt

89R-HB5173 · 2025-03-14

SOLD BY

Rep. Jay DeanRHouse 7

ITEM

relating to annual statistical reports for and the adoption of title insurance premium rates.

WHAT IT DOES

Agents by May 15, companies by July 16, report by September 1.

The bill sets yearly deadlines for the Texas Department of Insurance to request statistical data from title agents (by May 15) and title insurance companies (by July 16), and requires the department to post a summary report of that data on its website by September 1. It also says any title insurance premium rate ordered or adopted that is not already in effect before June 2, 2025, will not take effect, and any new rate must follow this Act. Title agents, title companies, the department and homebuyers who pay title premiums are touched, because a pending rate change is blocked and future rate setting runs on a fixed data calendar with a public summary.

CHARGES

[ ] NONE FOUND

TOTAL

No first-year general revenue figure available here.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 28, 2025

The fiscal implications of the bill cannot be determined due to effects dependent on the implementation date of the bill. Passage of the bill would allow a title insurance company or agent to continue to charge the premium rates in effect on the effective date of the bill until the Texas Department of Insurance takes certain action based on information submitted to the agency as required by the bill. If the bill takes effect September 1, 2025, there would be no effect on premium tax revenue. If the bill takes effect immediately upon enactment, provisions of the bill would prevent the 10 percent reduction in title insurance basic premium rates ordered by the commissioner of TDI, effective July 1, 2025, from taking effect and premium tax revenue would be increased.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

Mar 14, 2025Filed
Apr 7, 2025Read first time
Apr 7, 2025Referred to Insurance
Apr 22, 2025Posting rule suspended
Apr 23, 2025Scheduled for public hearing on . . .
Apr 23, 2025Considered in public hearing
Apr 23, 2025Committee substitute considered in committee
Apr 23, 2025Testimony taken/registration(s) recorded in committee
Apr 23, 2025Left pending in committee
Apr 24, 2025Considered in formal meeting
Apr 24, 2025Committee substitute considered in committee
Apr 24, 2025Reported favorably as substituted
Apr 29, 2025Comte report filed with Committee Coordinator
Apr 29, 2025Committee report distributed
Apr 29, 2025Committee report sent to Calendars

FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

Jay Dean

Donors

Texans for Lawsuit Reform PAC$74K Texas Conservative Majority PAC$47K Texas Sands PAC$42K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Oct 28, 2024 to Oct 23, 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.

Texans for Lawsuit Reform PAC$74,300.00

Texans for Lawsuit Reform PAC

$74,300.00

Cash: $65,000.00
Paid by others: $9,300.00
Total: $74,300.00

polling $9,300.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Jun 24, 2025 to Oct 19, 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: 101007728, 101025857, 101035931, 101070129.

Texas Conservative Majority PAC$46,524.22

Texas Conservative Majority PAC

$46,524.22

Cash: $566.02
Paid by others: $45,958.20
Total: $46,524.22

canvassing $42,750.00printing $3,208.20

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Feb 17, 2026 to Feb 20, 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: 101036566.

Texas Sands PAC$42,166.67

Texas Sands PAC

$42,166.67

Cash: $37,500.00
Paid by others: $4,666.67
Total: $42,166.67

polling $4,666.67

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.

Team

Sources

Derived itemized flow · Dec 11, 2024 to Oct 23, 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: 100989410, 101025857, 101036566, 101070129.

Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Texans for Lawsuit Reform PAC

$74,300.00

Cash: $65,000.00
Paid by others: $9,300.00
Total: $74,300.00

polling $9,300.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Jun 24, 2025 to Oct 19, 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: 101007728, 101025857, 101035931, 101070129.

×

Texas Conservative Majority PAC

$46,524.22

Cash: $566.02
Paid by others: $45,958.20
Total: $46,524.22

canvassing $42,750.00printing $3,208.20

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Feb 17, 2026 to Feb 20, 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: 101036566.

×

Texas Sands PAC

$42,166.67

Cash: $37,500.00
Paid by others: $4,666.67
Total: $42,166.67

polling $4,666.67

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.

Team

Sources

Derived itemized flow · Dec 11, 2024 to Oct 23, 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: 100989410, 101025857, 101036566, 101070129.

Votes

No floor vote loaded for this bill.

Fiscal

No first-year general revenue figure available here.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 28, 2025

The fiscal implications of the bill cannot be determined due to effects dependent on the implementation date of the bill. Passage of the bill would allow a title insurance company or agent to continue to charge the premium rates in effect on the effective date of the bill until the Texas Department of Insurance takes certain action based on information submitted to the agency as required by the bill. If the bill takes effect September 1, 2025, there would be no effect on premium tax revenue. If the bill takes effect immediately upon enactment, provisions of the bill would prevent the 10 percent reduction in title insurance basic premium rates ordered by the commissioner of TDI, effective July 1, 2025, from taking effect and premium tax revenue would be increased.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Mar 14, 2025

04/29/2025 H Committee report sent to Calendars

Texas Legislature Online · Introduced · House Committee Report

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Insurance · Committee vote 7 aye, 0 nay, 2 absent · Out of committee

Companion

SB 1810 by Schwertner (similar)

Subjects

Insurance--Insurers & Agents

INSURANCE RATES

INSURANCE, TEXAS DEPARTMENT OF

Text

The text as introduced · 223 words

By: Dean
H.B. No. 5173

A BILL TO BE ENTITLED

AN ACT

relating to annual statistical reports for and the adoption of

title insurance premium rates.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 2703.153, Insurance Code, is amended by

adding Subsections (a-1) and (c-1) to read as follows:

(a-1) Not later than May 15th of each year, the department

shall issue a call to each title agent and not later than July 16th

to each title company engaged in the business of title insurance for

the statistical report data required under Subsection (a).

(c-1) Not later than September 1 of each year, the

department shall publish on the department's Internet website a

compilation report summarizing the statistical reports submitted

under Subsection (a).

SECTION 2. Any rate ordered or adopted under this Title that

is not in effect before June 2, 2025, shall not become effective.

Any new rate ordered by the department under this Title shall comply

with the changes in law made by this Act.

SECTION 3. This Act takes effect immediately if it receives

a vote of two-thirds of all the members elected in each house, as

provided by Section 39, Article III, Texas Constitution. If this

Act does not receive the vote necessary for immediate effect, this

Act take effect September 1, 2025

Verdict: No flags

The receipt

SOLD BY

ITEM

WHAT IT DOES

CHARGES

TOTAL

HISTORY

Donors

Texans for Lawsuit Reform PAC

Texas Conservative Majority PAC

Texas Sands PAC

Texans for Lawsuit Reform PAC

Texas Conservative Majority PAC

Texas Sands PAC

Companion