28 TAC Chapter 5, Subchapter U (Use of Credit Information or Credit Scores), complete
Secs. 5.9940 and 5.9941
Edition and licensing notes
Publisher. Texas Secretary of State, Texas Administrative Code (texas-sos.appianportalsgov.com), rules of the Texas Department of Insurance
Edition. 28 TAC Chapter 5, Subchapter U, as served for queryAsDate 09/18/2026. The publisher prints no subchapter-level currency line; it prints a Source Note per rule, and both are stored verbatim in the text. They read: "The provisions of this §5.9440 adopted to be effective November 30, 2003, 28 TexReg 10765." and "The provisions of this §5.9441 adopted to be effective November 30, 2003, 28 TexReg 10765." The portal also prints "Chapter Review Date 05/07/2025" on every Chapter 5 rule page.
Status. Texas Administrative Code, official text published by the Texas Secretary of State; US state administrative regulation, public domain.
What this document is
28 TAC Chapter 5, Subchapter U (Use of Credit Information or Credit Scores), complete: Secs. 5.9940 and 5.9941 is a regulation published by Texas Secretary of State, Texas Administrative Code (texas-sos.appianportalsgov.com), rules of the Texas Department of Insurance. It is one of the Texas documents that insurance license exam questions are written from, including texas property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- 28 Tex. Admin. Code section 5.9941(a) (Differences in Rates Charged Due Solely to Difference in Credit Scores)
“(a) An insurer may vary its rates charged to applicants or insureds for personal insurance policies due solely to credit scoring. The differences in rates charged due solely to credit scoring shall be based on sound actuarial principles and supported by data filed with the department.”
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