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Amend CSSB 1007 (committee printing) as follows:                             
	(1)  Insert a new ARTICLE in the bill, appropriately 
numbered, to read as follows:

ARTICLE ____.  CREDIT SCORING
	SECTION ____.001.  Section 559.001, Insurance Code, is 
amended by amending Subdivision (10) and adding Subdivision (12) to 
read as follows:
		(10)  "Insurer" means an insurer authorized to write 
property and casualty insurance in this state, including an 
insurance company, reciprocal or interinsurance exchange, mutual 
insurance company, capital stock company, county mutual insurance 
company, farm mutual insurance company, association, Lloyd's plan, 
or other entity writing personal insurance in this state.  The term 
includes an affiliate, as described by this code, if that affiliate 
is authorized to write personal insurance in this state.  The term 
does not include [a farm mutual insurance company or] an eligible 
surplus lines insurer under this code.
		(12)  "Underwriting" means the selection of the risk 
that will be assumed by an insurer, and specifically the decision 
whether to accept, deny, renew, nonrenew, reduce, or increase the 
amount of benefits payable under an insurance policy or the types of 
coverages available under an insurance policy.
	SECTION ____.002.  Section 559.002, Insurance Code, is 
amended to read as follows:
	Sec. 559.002.  APPLICABILITY OF CHAPTER.  This chapter 
applies to an insurer that writes personal insurance coverage [and 
uses credit information or credit reports for the underwriting or 
rating of that coverage].
	SECTION ____.003.  Section 559.004, Insurance Code, is 
amended to read as follows:
	Sec. 559.004.  RULES.  [(a)]  The commissioner may adopt 
rules in the manner prescribed by Subchapter A, Chapter 36, as
necessary to implement this chapter.
	[(b)  The commissioner shall adopt rules that prescribe the 
allowable differences in rates charged by insurers due solely to 
the difference in credit scores.]
	SECTION ____.004.  The heading to Subchapter B, Chapter 559, 
Insurance Code, is amended to read as follows:

SUBCHAPTER B.  PROHIBITED USE OF CREDIT SCORING AND

CREDIT INFORMATION
	SECTION ____.005.  Section 559.051, Insurance Code, is 
amended to read as follows:
	Sec. 559.051.  PROHIBITION ON CERTAIN [PERMISSIBLE] USE OF 
CREDIT SCORING BY INSURERS.  With respect to a line of insurance 
subject to this chapter, an [An] insurer may not:
		(1)  refuse to underwrite, cancel, or refuse to renew a 
risk based, in whole or in part, on the credit report or credit 
score of an insured or an applicant for insurance coverage; or
		(2)  rate a risk based, in whole or in part, on the 
credit report or credit score of an insured or an applicant for 
insurance coverage in any manner, including:
			(A)  the provision or removal of a discount;                          
			(B)  assignment of an insured or an applicant for 
insurance coverage to a rating tier; or
			(C)  placement of an insured or an applicant for 
insurance coverage with an affiliate [use credit scoring, except 
for factors that constitute unfair discrimination, to develop 
rates, rating classifications, or underwriting criteria regarding 
lines of insurance subject to this chapter].
	SECTION ____.006.  The following laws are repealed:                            
		(1)  Sections 559.001(1) and (2), Insurance Code;                             
		(2)  Section 559.003, Insurance Code;                                         
		(3)  Sections 559.052, 559.053, 559.054, 559.055, 
559.056, and 559.057, Insurance Code; and
		(4)  Subchapters C and D, Chapter 559, Insurance Code.                        
	SECTION ____.007.  (a)  Chapter 559, Insurance Code, as 
amended by this article, applies only to a personal insurance 
policy:
		(1)  that is delivered, issued for delivery, or renewed 
on or after January 1, 2010; or
		(2)  the application for which is submitted on or after 
January 1, 2010.    
	(b)  A personal insurance policy delivered, issued for 
delivery, or renewed before January 1, 2010, or the application for 
which is submitted before January 1, 2010, is governed by the law as 
it existed immediately before January 1, 2010, and that law is 
continued in effect for that purpose.
	(2)  Renumber the ARTICLES of the bill accordingly.