Texas § 559.101 NEGATIVE FACTORS.

Texas Statutes

§ 559.101 — NEGATIVE FACTORS.

Texas § 559.101

Code INInsurance Code

This text of Texas § 559.101 (NEGATIVE FACTORS.) is published on Counsel Stack Legal Research, covering Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Tex. Insurance Code Code Ann. § 559.101 (2026).

Text

Sec. 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:

(1)a credit inquiry that is not initiated by the consumer;

(2)an inquiry relating to insurance coverage, if so identified on a consumer's credit report; or

(3)a collection account with a medical industry code, if so identified on the consumer's credit report.

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Sec. 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:
(1) a credit inquiry that is not initiated by the consumer;
(2) an inquiry relating to insurance coverage, if so identified on a consumer's credit report; or
(3) a collection account with a medical industry code, if so identified on the consumer's credit report.