Monitoring the Session

SB 229

car dealers can’t charge more for outside loans

Died in committee

Verdict: No flags

No flagsInitial review
Sen. Royce WestDSenate 23

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

Caption

relating to prohibiting a retail seller of motor vehicles from imposing certain restrictions on the purchase of a motor vehicle.

Caption from analyzed text · version I.

Summary

No higher price for paying with your own money either.

The bill bars car dealers from charging a higher price to buyers who pay with their own money or bring a loan from an outside lender. It also bars dealers from refusing those payment methods and from making false or misleading statements that conflict with these rules. Car buyers and retail motor vehicle sellers are affected for agreements made on or after September 1, 2025.

Labels

Labels: ZOMBIE BILL. Died 2 times: 88R SB 1464 (Did not pass) and this bill (Died in committee). Checked against 88R only.DO-OVER. Reworked text of a bill filed before that died: 88R SB 1464 (Did not pass). 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.PENDING FOREVER. Heard by the Senate Business & Commerce committee on May 1, 2025 and left pending. Never voted out. The bill died.

Receipt

The receipt

89R-SB229 · 2024-11-12

SOLD BY

+ 12 coauthors

ITEM

relating to prohibiting a retail seller of motor vehicles from imposing certain restrictions on the purchase of a motor vehicle.

WHAT IT DOES

No higher price for paying with your own money either.

The bill bars car dealers from charging a higher price to buyers who pay with their own money or bring a loan from an outside lender. It also bars dealers from refusing those payment methods and from making false or misleading statements that conflict with these rules. Car buyers and retail motor vehicle sellers are affected for agreements made on or after September 1, 2025.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version I · source

Sources

Fiscal note · version I · April 30, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

  1. Received by the Secretary of the Senate
  2. Filed
  3. Read first time
  4. Referred to Business & Commerce
  5. Co-author authorized
  6. Co-author authorized
  7. Co-author authorized
  8. Co-author authorized
  9. Scheduled for public hearing on . . .
  10. Considered in public hearing
  11. Testimony taken in committee
  12. Left pending in committee
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Donors

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 · Jul 1, 2024 to Jun 30, 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.

Skyview Development LLC$36,332.00

Skyview Development LLC

$36,332.00

Cash
$0.00
Paid by others
$36,332.00
Total
$36,332.00
Other filed descriptions $32,032.00fundraiser $4,300.00

Also funds 0 other sitting lawmakers.

Derived recipient stock · Jul 1, 2024 to Jun 1, 2026. State data as of Nov 4, 2026.

Name match, not a verified identity: normalized filed name and state.

Sources

Derived itemized flow · Jul 1, 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.

Report IDs: 100987569, 101009506, 101058878, 101063137.

Texas Trial Lawyers Association PAC$20,000.00

Texas Trial Lawyers Association PAC

$20,000.00

Cash
$20,000.00
Paid by others
$0.00
Total
$20,000.00

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.

Team
Sources

Derived itemized flow · Oct 11, 2024 to Oct 10, 2025. 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: 100987569, 101063137.

Erle Allen Nye Jr.$15,000.00
Money

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

×

Skyview Development LLC

$36,332.00

Cash
$0.00
Paid by others
$36,332.00
Total
$36,332.00
Other filed descriptions $32,032.00fundraiser $4,300.00

Also funds 0 other sitting lawmakers.

Derived recipient stock · Jul 1, 2024 to Jun 1, 2026. State data as of Nov 4, 2026.

Name match, not a verified identity: normalized filed name and state.

Sources

Derived itemized flow · Jul 1, 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.

Report IDs: 100987569, 101009506, 101058878, 101063137.

×

Texas Trial Lawyers Association PAC

$20,000.00

Cash
$20,000.00
Paid by others
$0.00
Total
$20,000.00

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.

Team
Sources

Derived itemized flow · Oct 11, 2024 to Oct 10, 2025. 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: 100987569, 101063137.

Votes

No floor vote loaded for this bill.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version I · source

Sources

Fiscal note · version I · April 30, 2025

No first-year general revenue figure available here.

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.

FILED BEFORE

Filed 2 times: 88R and 89R. Checked against 88R only.

88R SB 1464

by Sen. West, same lead author · Did not pass · reworked

Introduced text

Last action, May 23, 2023: Placed on General State Calendar

Relating to prohibiting a retail seller of motor vehicles from imposing certain restrictions on the purchase of a motor vehicle.

Caption, 88R bill history

Sources

Texas Senate · Filed Nov 12, 2024

05/01/2025 S Left pending in committee

Texas Legislature Online · Introduced

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

Coauthors

Senate committee · Business & Commerce · Final status: Died in committee

Subjects

Financial--General

Occupational Regulation--Other Trades & Professions

Vehicles & Traffic--General

MOTOR VEHICLE DEALERS

Text

The text as introduced · 232 words

89R1347 SRA-D

By: West
S.B. No. 229

A BILL TO BE ENTITLED

AN ACT

relating to prohibiting a retail seller of motor vehicles from

imposing certain restrictions on the purchase of a motor vehicle.

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

SECTION 1. Subchapter E, Chapter 348, Finance Code, is

amended by adding Section 348.415 to read as follows:

Sec. 348.415. RESTRICTIONS ON MOTOR VEHICLE PURCHASES

FUNDED OR FINANCED USING PROSPECTIVE BUYER'S OWN MONEY OR

THIRD-PARTY FINANCING PROHIBITED. (a) A retail seller may not

increase the sale price of a motor vehicle for a prospective buyer

who purchases a motor vehicle with:

(1) the prospective buyer's own money; or

(2) a loan from a third-party lender who is neither the

retail seller nor affiliated with the retail seller.

(b) A retail seller may not prohibit a prospective buyer

from paying the sale price at the time of sale with:

(1) the prospective buyer's own money; or

(2) a loan from a third-party lender who is neither the

retail seller nor affiliated with the retail seller.

(c) A retail seller may not make a false or misleading

representation that is inconsistent with this section.

SECTION 2. The changes in law made by this Act apply only to

an agreement entered into on or after the effective date of this

Act.

SECTION 3. This Act takes effect September 1, 2025.