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5 Document(s) [ Subject: ]

Committee: House Investments and Financial Services
Title: Interim Report
Subjects: Banks and banking | Business climate | Consumer Credit Commissioner, Office of | Credit service organizations | Elder abuse | Electronic security | Financial investments | Fraud | Loans | Senior citizens | Subprime lending |
Library Call Number: L1836.84 IN9
Session: 84th R.S. (2015)
Online version: View report [68 pages]
Charges: This report should address the charges below.
1. Study the current state of cybersecurity of financial institutions in Texas. Review state and federal laws, and evaluate what additional steps need to be taken to make financial institutions in Texas more secure.
2. Examine the short-term lending industry in Texas. Study the adequacy of consumer access to credit and the effectiveness of consumer protections, specifically reviewing the consistency and coordination of state law with federal law and local ordinances. Review data-reporting requirements for credit-access businesses and make appropriate recommendations.
3. Evaluate what policies are currently in place to prevent the financial exploitation and financial abuse of aging Texans, and determine what changes need to be made to strengthen protections for this vulnerable population.
4. Study the impact on local communities when community banks are consolidated and how this changes the landscape of banking in Texas. Evaluate how the state can help expand charter opportunities in Texas.
5. Examine the current investment climate and resources available to businesses in Texas. Analyze the effectiveness of existing programs and whether current investment tools are bringing new businesses and new jobs to Texas, and determine whether the current programs are helping established businesses in Texas create jobs. Identify barriers to investment opportunities faced by businesses and investors. This analysis should include but not be limited to: angel investing, crowdfunding, micro-lending, private equity, venture capital, and mezzanine investing. Make appropriate recommendations to ensure investment tools in Texas continue to evolve to help bring jobs to Texas and meet the needs of new and existing businesses in Texas.
6. Conduct legislative oversight and monitoring of the agencies and programs under the committee's jurisdiction and the implementing of relevant legislation passed by the 84th Legislature. In addition to general oversight, the Committee should specifically: a. consider any reforms to state agencies to make them more responsive to Texas taxpayers and citizens; b. identify issues regarding the agency or its governance that may be appropriate to investigate, improve, remedy, or eliminate; c. determine whether an agency is operating in a transparent and efficient manner; and d. identify opportunities to streamline programs and services while maintaining the mission of the agency and its programs.
Committee: Senate Business and Commerce
Title: Interim Report
Subjects: Alternative energy | Broadband technology | Building codes | Consumer credit | Consumer Credit Commissioner, Office of | Credit service organizations | Droughts | Electric meters | Electric power plants | Electric Reliability Council of Texas | Electric utilities | Electric utility deregulation | Electricity supplies | Electricity transmission and distribution | Environmental Protection Agency, U.S. | Homeowners insurance | Insurance, Texas Department of | Job training programs | Lifeline | Municipally-owned utilities | Occupational licenses | Rural areas | Subprime lending | Telecommunications | Telecommunications deregulation | Texas Windstorm Insurance Association | Universal Service Fund | Water and wastewater utility rates and charges | Workforce |
Library Call Number: L1836.83 B963
Session: 82nd R.S. (2011)
Online version: View report [222 pages]
Charges: This report should address the charges below.
1. Study the impact of drought, regulatory changes proposed by the Environmental Protection Agency, and changing market conditions on Texas' electrical market. Make recommendations, if needed to ensure continued access to reliable and affordable electricity. *
2. Assess the impact of extreme drought conditions on electric generation capacity.
3. Identify those regions of Texas that will be most affected by a lack of capacity.
4. Analyze response plans and make recommendations to improve and expedite those plans.
5. Study and make recommendations for workforce training programs in Texas to ensure that such programs meet business and worker needs. Specifically, study whether such programs target economic growth areas and future workforce needs of the health care, skilled trades, construction, manufacturing, aerospace, and information technology industries and help retain workers in those trades and fields.
6. Study the state's approach to licensing and regulation of occupations to ensure protection of public welfare, trust, health, and safety and eliminate unnecessary, overly restrictive, or anti-competitive regulation. Review guidelines and other states' approaches for determining when regulation is necessary and make recommendations for improving Texas' regulatory system.
7. Conduct a broad review of the Texas homeowners insurance market and make recommendations to improve transparency and consumer education, ensure fair practices, and lower rates. Specifically, consider the following:
  • Compare Texas' homeowners insurance premiums with those of other states and identify the factors underlying Texas' premium levels and recommend steps that the Legislature may take to reduce homeowners' rates, if appropriate;
  • Study strategies that increase awareness of state insurance resources to help consumers compare rates and coverage among various insurance providers
  • Study the relationship between insurance premiums and construction costs, especially as associated with recovery from natural disasters, to ensure that consumers are treated fairly;
  • Review the use by insurers, in rating and underwriting decisions, of customer inquiries regarding the general terms or conditions of, or coverage offered under, an insurance policy.
8. Study the relationship between city governments and municipally-owned utilities, including any duplicative or redundant functions, the amounts and justifications required for transfer payments between the entities, and the benefits and disadvantages of alternative governance structures.
9. Analyze the state of the telecommunications market in Texas, including the costs and benefits of full deregulation of the market; the impact and viability of the Texas Universal Service Fund and Provider of Last Resort requirements; the impact of SB 980, Regular Session, 82nd Legislature, relating to telecommunications regulation and rulemaking; the availability of broadband; telecommunications service discounts; and rights-­of-way charges. Make recommendations to enhance services, support the industry, and ensure adequate and affordable access for consumers.
10. Review current and pending ERCOT protocols as they apply to all generation technology, and identify those protocols that may provide operational, administrative, or competitive advantages to any specific generation by fuel type. Consider the impact any revisions to the protocols may have on grid reliability and electricity rates. Make recommendations for revisions or statutory changes to limit distortions in the Texas electrical market.
11. Monitor the implementation of legislation addressed by the Senate Committee on Business & Commerce, 82nd Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation. Specifically, review the implementation of HB 2592 and HB 2594 relating to payday lending, and make recommendations relating to consistency and coordination with local ordinances and federal law.
12. Study whether advanced meters, or smart meters, that have been, and will be, installed in Texas have harmful effects on health. Report findings on whether an independent testing company perform an analysis on the safety of advanced meters should be commissioned and the appropriate organization to conduct such a study.
Committee: Senate Jurisprudence
Title: Interim Report
Library Catalog Title: Report to the 82nd Legislature
Subjects: Adult Protective Services | Aging and Disability Services, Texas Department of | At-risk youth | Child custody | Consumer credit | Credit service organizations | Guardianship | Parents | Personally identifiable information |
Library Call Number: L1836.81 J979
Session: 81st R.S. (2009)
Online version: View report [36 pages  File size: 932 kb]
Charges: This report should address the charges below.
1. Study the effectiveness of current regulation and practices of debt management providers in Texas, including credit service organizations, and assess the extent to which individuals' estates are protected in transactions with debt management providers. Make recommendations to enhance protections.
2. Study the guardianship program implemented by the Department of Aging and Disabilities and the Department of Adult Protective Services, including the efficiency and effectiveness of the program, the relationship between the two agencies, the appropriate rights for parents, and whether clients and their assets are adequately protected.
3. Study and make recommendations to promote and enable confidential information sharing among state agencies and courts serving at-risk children and youth to ensure that comprehensive and appropriate services are being provided. The study should focus on the technological, legal, and fiscal barriers that prevent information sharing among these entities regarding affected children and youth.
4. Evaluate the voluntary relative placement process in issues of guardianship and the ability of nonparent relatives to make decisions for children under their care. Monitor the progress and implementation of SB 1598 relating to an agreement authorizing a nonparent relative of a child to make certain decisions regarding the child.
5. Monitor the implementation of legislation addressed by the Senate Committee on Jurisprudence, 81st Legislature, Regular and Called Sessions, and make recommendations for any legislation needed to improve, enhance, and/or complete implementation.
Committee: House Financial Institutions
Title: Interim Report
Library Catalog Title: House Committee on Financial Institutions, Texas House of Representatives interim report, 2002 : a report to the House of Representatives, 78th Texas Legislature.
Subjects: Agriculture | Banks and banking | Business loans | Consumer credit | Credit service organizations | Gramm-Leach-Bliley Act of 1999 | Mortgages | Pawnshops | Privacy | Sale-leaseback agreements |
Library Call Number: L1836.77 f49h
Session: 77th R.S. (2001)
Online version: View report [61 pages  File size: 284 kb]
Charges: This report should address the charges below.
1. Review the mortgage lending industry in Texas to determine whether the expectations of the Mortgage Broker Licensing Act of 1999 and subsequent related legislation are being met.
2. Research trends and practices in the sub-prime lending market in Texas and identify any issues of public concern in those markets.
3. Review the practices of financial institutions to comply with consumer privacy provisions of the Gramm-Leach-Bliley Act, and assess the ease and convenience afforded customers in exercising their choices.
4. Evaluate the ability of the Texas agricultural community to gain access to capital markets throughout the state. Identify barriers to financing of viable agricultural and value-added enterprises. Review and evaluate the finance programs administered by the Texas Department of Agriculture. (Joint with House Committee on Agriculture and Livestock)
5. Study the methods currently used to report pawnshop transaction data between pawn shops and law enforcement agencies.
6. Actively monitor agencies and programs under the committee's oversight jurisdiction.
Committee: House Financial Institutions
Title: Interim Report
Library Catalog Title: House Committee on Financial Institutions, Texas House of Representatives interim report, 2000 : a report to the House of Representatives, 77th Texas Legislature.
Subjects: Banks and banking | Bond Review Board, Texas | Consumer credit | Consumer Credit Commissioner, Office of | Consumer protection | Credit service organizations | Credit Union Department | Department of Banking, Texas | Gramm-Leach-Bliley Act of 1999 | Home equity loans | Privacy | Public Finance Authority, Texas | Sale-leaseback agreements | Savings and Loan Department, Texas |
Library Call Number: L1836.76 f49h
Session: 76th R.S. (1999)
Online version: View report [77 pages  File size: 139 kb]
Charges: This report should address the charges below.
1. Determine the extent to which personal customer and account information may be accessed or furnished to governmental institutions, other divisions or affiliates of a financial institution, and unrelated commercial or other enterprises. Assess the state's ability to assure customers the privacy of their information.
2. Research the practices commonly known as "payday loans" and "sale leasebacks" to determine the need to regulate such transactions.
3. Review the federal "financial services modernization" act (HR 10) to identify necessary changes to state laws and regulations governing insurance and financial institutions. This review is to be conducted jointly with the House Committee on Insurance.
4. Conduct a review of the home equity lending market, including lender activities and practices, to assess the extent to which the expectations of the 75th Legislature are being met.
5. Conduct active oversight of the agencies under the committee's jurisdiction.

* This represents an abstract of the report contents. Charge text is incomplete or unavailable.

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