Senate Bill 99 amends the Business & Commerce Code to prohibit a person from denying an extension of credit, including a loan, or restricting the amount of credit extended to an individual solely because the individual has been a victim of identity theft. The bill makes a license issued under the Finance Code that is held by a person who violates this prohibition subject to revocation or suspension. The bill also amends the Insurance Code to authorize a property and casualty insurer in this state to offer and issue insurance coverage for a loss suffered by a policyholder who is the victim of identity theft or attempted identity theft. The coverage may be offered as a separate insurance policy or as a rider or endorsement to certain other policies and may be underwritten and issued as an individual or group insurance policy. The commissioner of insurance is authorized to adopt rules as necessary to implement the chapter.