Legislative Reference Library of Texas About the library Site Index

Legislative Reference Library of Texas
your partner in legislative research

Legislative clips Legislative clips archive Texas media links Current articles Texshare databases New books New & Noteworthy
Legislative Archive System Index to Sections Affected Conference committee reports Constitutional amendments Vetoes State budget Redistricting information Signed copies of bills Statutory revision Texas law timeline Water law timeline Statute publication dates Legislative intent guide
Texas Legislators: Past & Present Governors of Texas Lt. Governors and Speakers Senate Presidents Pro Tempore Senate & House seniority Member statistics Chief Elected Officials Texas legislators on Twitter
Sessions and years Bill statistics Member statistics Bill effective dates Legislative deadlines Session summaries Special sessions Legislative staff lists
Today's meetings Meetings by date Standing committees Committees by session Committee search Legislative reports Committee minutes Standing committee appointments
Library catalog House & Senate Journals House & Senate Rules Parliamentary resources General and Special Laws of Texas Codes of 1856 Paschal's Digest Penal Code revision research guide Code of Criminal Procedure guide Deceptive Trade Practices Act Impeachment of O.P. Carrillo Gubernatorial inauguration materials Water resources research guide School finance litigation archive
Frequently Asked Questions Contacting your legislator Texas bill status State agency hotlines & citizen   assistance Texas legislative agencies &   process Other libraries Public policy resources

LRL Home - Committees - Subject search resultsprinter friendly versionreturn to screen view

Subject search results

7 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: House Business and Industry
Title: Interim Report
Subjects: Automobile repairs | Consumer credit | Consumer Credit Commissioner, Office of | Electronic security | Employees | Identity theft | Independent contractors | Liens | Theft | Wages | Workers' compensation | Workforce | Workforce Commission, Texas |
Library Call Number: L1836.83 B964
Session: 83rd R.S. (2013)
Online version: View report [66 pages]
Charges: This report should address the charges below.
1. Study the voluntary nature of workers' compensation in Texas and how it meets the needs of employers and employees.
2. Review existing lien laws in Texas. Specifically: a. Examine laws concerning the enforcement of contract liens affecting real property. Identify improvements, if any, that will enhance the certainty of title following sale, enhance ability to ensure that sales are conducted by qualified trustees, prevent unnecessary litigation, facilitate loss mitigation between borrowers and sellers, and protect the interests of homeowners, lenders and trustees. b. Study the imposition of mechanics' liens on automobiles and its impact on mechanics, car owners and purchasers, and lenders. c. Review ad valorem tax lien lending after the implementation of SB 247 (83R) and the impact on homeowners, taxing authorities, mortgage lenders, and tax lien lenders. Review the procedures and powers of the Office of Consumer Credit Commissioner to ensure compliance with SB 247.
3. Study the impact of SB 1024,82 R.S. on wage theft and law enforcement's and regulatory agencies' responses to wage theft claims. Recommend changes if necessary.
4. Examine the issue of misclassifying employees as independent contractors on workers, employers, income tax withholding, and the unemployment insurance system. Review current statutory deterrents, including those equired by HB 2015 (83R), and make recommendations for changes if necessary.
5. Study the impact of credit card data theft and other credit or privacy information theft on Texas consumers and businesses.
6. Conduct legislative oversight and monitoring of the agencies and programs under the committee’s jurisdiction and the implementation of relevant legislation passed by the 83rd Legislature. In conducting this oversight, the committee should: 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: House Financial Institutions
Title: Interim Report
Library Catalog Title: House Committee on Financial Institutions, Texas House of Representatives interim report, 2006
Subjects: Banks and banking | Consumer Credit Commissioner, Office of | Credit Union Department | Department of Banking, Texas | Finance Commission of Texas | Foreclosures | Fraud | Mortgage brokers | Mortgages | Savings and Loan Department, Texas | Subprime lending |
Library Call Number: L1836.79 F49h
Session: 79th R.S. (2005)
Online version: View report [81 pages  File size: 20,202 kb]
Charges: This report should address the charges below.
1. Examine the feasibility and impact of consolidating the state financial regulatory agencies which include the Office of the Consumer Credit Commissioner, Texas Department of Banking, Department of Savings and Mortgage Lending (formerly Texas Savings and Loan Department) and the Texas Credit Union Department.
2. Evaluate predatory lending practices involved with subprime mortgage lending within the state, primarily in the border counties, including: Study the patterns of mortgage fraud and develop statutory changes to reduce incidences of mortgage fraud and punish violators. Study the relationship between mortgage brokers and residential borrowers including: whether or not the mortgage broker is the agent of the residential borrower: the types of disclosures which should be required; and, the sources and nature of compensation.
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.
Committee: House Financial Institutions
Title: Interim report
Library Catalog Title: Interim report of the House Financial Institutions Committee, Texas House of Representatives, 70th Legislature.
Subjects: Banks and banking | Consumer credit | Consumer Credit Commissioner, Office of | Financial investments | Franchise taxes | Fraud | Home equity loans | Liens | Public Funds Investment Act | Savings and Loans | Tax deductions |
Library Call Number: L1836.70 f49
Session: 70th R.S. (1987)
Online version: View report [89 pages  File size: 2,838 kb]
Charges: This report should address the charges below.
1. To study the need to clarify and consolidate existing statutes governing the investment of public funds by local and regional governmental entities; and to study the advisability of expanding the investment option of local governments and institutions of Higher Education.
2. To study the problems of unenforceable second liens on a homestead.
3. To study the extent and public benefits of state regulatory authority over the savings and loan industry.
4. To study the equity of imposing the state franchise tax on both a bank holding company and the individual banks and the feasibility of amending state law to resolve the issue.
5. To study the lending practices and procedures of institutions and individuals that contribute to fraud, abuse and deception in the buying and selling of retail installment contracts.
Committee: House Financial Institutions
Title: Interim Report
Library Catalog Title: Interim report of the Financial Institutions Committee, Texas House of Representatives, 64th Legislature.
Subjects: Banks and banking | Consumer credit | Consumer Credit Commissioner, Office of | Interest rates |
Library Call Number: L1836.64 f49
Session: 64th R.S. (1975)
Online version: View report [73 pages  File size: 2,596 kb]
Charges: This report should address the charges below.
1. Study the advisability of studying the advisability of restricting bank holding company growth in the State of Texas.
2. Conduct hearings regarding consumer finance problems in Texas. Consider the maximum interest rate laws, loan ceilings, disclosure guidelines, and the funding of the Consumer Credit Commission. *

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

Information on this website is provided as a public service by the Legislative Reference Library. The Legislative Reference Library makes no representation as to its completeness or accuracy and makes no warranty in regard to its use. Users assume all risk of reliance on the information included on this site.