2025 Texas sessionsRegular and both called sessions have ended. This index covers House and Senate bills, not resolutions. Statuses come from official reports.

2025 · Regular session · House bill

HB2067

HB2067 requires insurers covered by its provisions to explain a rejected completed application, cancellation or nonrenewal without waiting for the customer to request the explanation.

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Official caption: Relating to declination, cancellation, or nonrenewal of insurance policies.

Signed by governorSource-checked explanation published

Official report lists House author(s): Paul, Capriglione. This does not identify sponsors or amendment drafters.

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Bill explanation published · Version and amendment review scope is stated below · Individual amendment records may not be separately annotated.

Bill highlights

Selected points from the published explanation. Follow each point to its source-linked context; conditions and limits may matter.

HB2067 requires insurers covered by its provisions to explain a rejected completed application, cancellation or nonrenewal without waiting for the customer to request the explanation.
Existing standards require the explanation to identify the precise incident, circumstance or risk factors behind the decision and the information source relied on.
Insurers must report their reasons to the Texas Department of Insurance at least quarterly, generally grouped by applicants' and policyholders' ZIP codes.
Notices and statements may be delivered electronically in accordance with Chapter 35, not regardless of other safeguards.
The act applies to applications made and policies delivered, issued for delivery or renewed on or after January 1, 2026.

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What does it do?

HB2067 requires insurers covered by its provisions to explain a rejected completed application, cancellation or nonrenewal without waiting for the customer to request the explanation. It updates Insurance Code Chapter 551, which governs specified property, casualty, liability and related insurance—not every insurance product, and not the denial of an individual claim for payment. Final law; Chapter 551 scope and definitions.

Existing standards require the explanation to identify the precise incident, circumstance or risk factors behind the decision and the information source relied on. HB2067 also expressly requires written declination notices for the covered liability and commercial-property policies. For a completed and submitted commercial-line application, the notice goes to the applicant’s agent, who must disclose the rejection and make the notice available for the applicant to review. The law does not say that every informal quote request triggers a declination statement. Final law, Sections 1–7; existing explanation standards, 551.002(b)–(c).

Insurers must report their reasons to the Texas Department of Insurance at least quarterly, generally grouped by applicants’ and policyholders’ ZIP codes. TDI must publish an aggregated summary that cannot identify any insurer directly or indirectly. Workers’ compensation reporting is statewide rather than by ZIP code; it is not exempt from reporting. Final law, Section 551.006.

Notices and statements may be delivered electronically in accordance with Chapter 35, not regardless of other safeguards. That chapter includes disclosures and consent/nonelectronic-delivery options and preserves content and timing requirements. Its existing Section 35.004(l) requires cancellation or termination notices within its scope in both electronic and paper/other nonelectronic form. HB2067 should not be described as blanket permission to cancel insurance by email alone. Final law, Section 551.008; Chapter 35.

The act applies to applications made and policies delivered, issued for delivery or renewed on or after January 1, 2026. Earlier applications and policies remain governed by the prior law for this purpose. The changes require explanations and reporting; they do not compel an insurer to accept every applicant or renew every policy. Final law, Sections 8–9.

What changed along the way?

The introduced bill focused on automatic explanations and declination notices. The House substitute added quarterly reporting, but excluded workers’ compensation reporting and kept its explanations available on request. It also proposed an agent-delivery arrangement. Adopted House amendment H21 removed that arrangement, clarified the completed-and-submitted application trigger, added aggregated public reporting without insurer identification, permitted electronic declination notices, and moved the effective date to March 1, 2026. Introduced; House substitute; H21; House-passed.

The Senate substitute removed the workers’ compensation exceptions, added the commercial-applicant-agent notice process, and made electronic delivery subject to Chapter 35. It proposed posting insurer reports and a September 1, 2025 effective date. Adopted S2F1 required protection of insurers’ trade secrets, business practices and identity “to the extent possible.” Senate substitute; S2F1; Senate packet.

Conference changed the result: it restored aggregated, non-identifying public summaries, created statewide workers’ compensation reporting, retained the commercial-agent and Chapter 35 provisions, and settled on January 1, 2026. The Senate floor amendment’s separate trade-secrets wording was not retained; neither chamber’s earlier effective date became law. Both chambers adopted the conference report May 31. Conference report and comparison; final law; history; amendment index; all versions.

For the full amendment record, open the official amendment index.

Official bill versions

Compare the published text versions in the official text index. A change is not attributed to a specific amendment here without a verified record.

Who could benefit—and who could bear the costs?

Customers gain information that can help them understand an underwriting decision, correct inaccurate information or shop elsewhere. Public summaries can help identify geographic patterns, although they cannot identify particular insurers and workers’ compensation data will not show ZIP-code patterns. Insurers, agents and TDI take on notice, data-handling and reporting work. These are likely effects of the requirements, not measured outcomes or a promise of lower premiums. Final law.

The final fiscal note anticipated no significant state or local-government fiscal impact, assuming implementation costs could be absorbed using existing resources. It did not quantify private insurers’ compliance costs, customer savings or premium changes. Conference/final fiscal note.

Official sources

Catalog report retrieved 2026-10-25. Check the official record for corrections or later changes.