Information from third parties must follow the state’s consumer report rules.
The bill makes a consumer reporting agency responsible for making sure that information it buys or gets from another reporting agency or a third party follows the state's rules on what can go into a consumer report. It touches credit bureaus and other consumer reporting agencies that resell or repackage data from other sources, and the consumers whose reports they build. Starting with reports furnished on or after September 1, 2025, an agency can no longer pass along outside information that breaks Section 20.05 and point to its source.
Labels
Labels: QUICK READ: 141 WORDS. The bill as filed runs 141 words, counting the existing law it amends and the text it strikes. The median 89R bill as filed runs 441 words (derived, 8,702 graded bills, snapshot Oct 19, 2026).GOT HALFWAY. Passed the Senate on Apr 30, 2025. Died in the House: voted out of the Trade, Workforce & Economic Development committee 10-0, no floor vote.
relating to the responsibility of consumer reporting agencies to
ensure compliance with certain consumer reporting laws.
WHAT IT DOES
Information from third parties must follow the state’s consumer report rules.
The bill makes a consumer reporting agency responsible for making sure that information it buys or gets from another reporting agency or a third party follows the state's rules on what can go into a consumer report. It touches credit bureaus and other consumer reporting agencies that resell or repackage data from other sources, and the consumers whose reports they build. Starting with reports furnished on or after September 1, 2025, an agency can no longer pass along outside information that breaks Section 20.05 and point to its source.
CHARGES
[ ] NONE FOUND
TOTAL
No significant fiscal implication to the State is anticipated.
Senator West moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that SB 584 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 29, Nays 2.
Published stock of positions for this vote, except where marked derived.
Yea: 29 (published)
Nay: 2 (published)
Present, not voting: Not printed
Absent: 0 (derived from named list)
Excused: 0 (derived from named list)
Senate journal. Source snapshot 2026-10-19, Central time.
Names were not printed for yea. Only the named positions are included in member records.
Voice vote. No numeric tally or individual yeas are inferred.
Sources
Senator West moved to suspend the regular order of business to take up for consideration SB 584 at this time on its second reading: SB 584, Relating to the responsibility of consumer reporting agencies to ensure compliance with certain consumer reporting laws. The motion prevailed. Senators Hughes and Schwertner asked to be recorded as voting "Nay" on suspension of the regular order of business. The bill was read second time and was passed to engrossment by a viva voce vote.
Published stock of positions for this vote, except where marked derived.
Yea: Not printed
Nay: Not printed
Present, not voting: Not printed
Absent: Not printed
Excused: Not printed
Senate journal. Source snapshot 2026-10-19, Central time.
Witnesses4
For
4
Against
0
On
0
Names
For
Self1 registration
Self; Texas Appleseed2 registrations
Texas Consumer Association1 registration
Sources
4 parsed registrations across the loaded witness lists.
Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.
House committee · Trade, Workforce & Economic Development · Committee vote 10 aye, 0 nay, 1 absent · Out of committee
Senate committee · Business & Commerce · Committee vote 10 aye, 0 nay, 1 absent · Out of committee
Subjects
Business & Commerce--General
Financial--General
CONSUMER REPORTING AGENCIES
Text
The text as introduced · 141 words
89R574 MLH-D
By: West
S.B. No. 584
A BILL TO BE ENTITLED
AN ACT
relating to the responsibility of consumer reporting agencies to
ensure compliance with certain consumer reporting laws.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1. Section 20.05, Business & Commerce Code, is
amended by adding Subsection (c-1) to read as follows:
(c-1) A consumer reporting agency that prepares a consumer
report using information obtained from another consumer reporting
agency or a third party shall ensure that the information obtained
is compiled and furnished by the agency in a consumer report in a
manner that complies with this section.
SECTION 2. The change in law made by this Act applies only
to a consumer report furnished on or after the effective date of
this Act.
SECTION 3. This Act takes effect September 1, 2025.
Monitoring 
