Sen. Charles Schwertner

Maddy summarySB 1644 requires insurers in Texas to provide consumers with specific notices when credit scores affect their home or auto insurance underwriting or pricing. It mandates that insurers give written notice within 30 days explaining adverse credit-based decisions, including how to access their credit report and dispute inaccuracies. The bill also requires insurers to use credit reports no older than 90 days for new policies and update them at least every 36 months, with consumers able to request a re-rating based on a current report. This law directly affects Texas residents applying for or renewing personal property/casualty insurance policies.

Maddy summarySB 17 restricts certain foreign governments and entities from purchasing or acquiring title to specific types of real property in Texas if such ownership poses a risk to public health, safety, or welfare. It prohibits purchases of agricultural land, commercial, industrial, residential property, mines, minerals, or timber by organizations or governments from "designated countries" (identified by U.S. intelligence as national security risks). Exceptions include U.S. citizens/permanent residents, entities owned by them, homestead properties, and leaseholds under 100 years. The law creates a new Property Code Subchapter H (Sections 5.251-5.254) to implement these restrictions.

Maddy summaryHB 4995 allows tactical medical professionals (such as physicians or EMTs employed by law enforcement agencies) to carry handguns while on duty supporting tactical units during high-risk incidents. The bill grants legal immunity from civil lawsuits if these professionals discharge a handgun while licensed under Texas law, provided the action is outside their official duties. It requires a specific training course covering handgun use, including classroom instruction, field practice, and proficiency demonstrations, to maintain certification. This law takes effect September 1, 2025, and directly affects tactical medical personnel who provide medical support to law enforcement during critical operations.

Maddy summaryHB 14 creates the Texas Advanced Nuclear Energy Office within the Governor's office to support the state's nuclear energy industry. The bill defines "advanced nuclear projects" to include facilities using next-generation reactors (like small modular reactors), fuel cycle operations, and associated technologies. The office will provide strategic leadership, develop public outreach programs, and promote job creation in advanced manufacturing while advancing nuclear energy for reliable power generation. This law directly affects Texas nuclear developers, utilities, and communities involved in nuclear facility projects. The office is authorized until September 1, 2040.

Maddy summarySCR 53 is a procedural resolution requesting that the Texas House of Representatives return House Bill 14 to the Texas Senate for further consideration. It does not change any policy or directly affect constituents; instead, it facilitates the legislative process by formally asking the House to send the bill back to the Senate. The resolution was approved by both chambers and signed by the Governor, completing the procedural step. This action is standard for bills needing additional review between chambers.

Maddy summaryThis bill creates new civil remedies for victims of financial exploitation using AI-generated media (like deepfakes) or phishing communications. It allows individuals to sue perpetrators for actual damages - including mental anguish and the perpetrator's profits - and to seek court orders halting further dissemination. The bill also imposes a civil penalty of up to $1,000 per day for violations, enforceable by the Texas Attorney General. Platforms like social media companies are exempt from liability under this law, as they are protected by federal Section 230.

Maddy summaryTexas SB 8 requires sheriffs in counties with 100,000+ residents to request agreements with U.S. Immigration and Customs Enforcement (ICE) that allow local officers to enforce federal immigration law. Smaller counties may voluntarily enter similar agreements. The bill creates a state grant program to cover costs for counties implementing these agreements, including personnel and resources needed for compliance. It directly affects Texas county sheriffs and law enforcement agencies participating in federal immigration enforcement programs.

Maddy summarySB 33 prohibits Texas governmental entities from using taxpayer funds to pay for or facilitate abortion-related services. It bans transactions with "abortion assistance entities" (organizations providing financial help, travel, childcare, or abortion drugs) or abortion providers for abortion procurement. The law specifically prevents government spending on logistical support like travel, lodging, childcare, or food to help individuals access abortion services. This applies to all state and local government entities and takes effect September 1, 2025.

Maddy summaryHB 33, titled the "Uvalde Strong Act," requires Texas public and charter schools to comply with additional safety and operational requirements related to active shooter incidents and emergencies. It amends the Education Code to mandate adherence to existing rules covering student data systems, criminal background checks, discipline practices, health/safety protocols, bullying prevention, and staff reporting obligations. The bill directly affects all public and charter schools by expanding their compliance obligations under current safety frameworks. It does not create new rules but requires schools to follow more existing provisions related to emergency preparedness and student safety. The law took effect on September 1, 2025, after being signed by the governor.

Maddy summarySB 458 requires personal auto and residential property insurance policies in Texas to include a standardized appraisal process when policyholders and insurers disagree on the amount of a loss. The law mandates that policies contain this dispute resolution mechanism, involving qualified appraisers and an umpire to determine the loss value. An appraisal award under this process is binding on both parties, except for fraud, accident, or material mistake. This applies to most standard insurers (like capital stock or mutual companies) but excludes commercial policies and Texas Windstorm Insurance Association coverage.