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  S.B. No. 188
 
 
 
 
AN ACT
  relating to certain insurers' insurance rating and underwriting
  practices based on certain consumer inquiries.
         BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
         SECTION 1.  Section 544.552, Insurance Code, is amended to
  read as follows:
         Sec. 544.552.  APPLICABILITY. This subchapter applies only
  to a standard fire, homeowners, or farm and ranch owners insurance
  policy, including such policies written by:
               (1)  a farm mutual insurance company;
               (2)  a county mutual insurance company;
               (3)  a Lloyd's plan; and
               (4)  a reciprocal or interinsurance exchange.
         SECTION 2.  This Act applies only to an underwriting
  decision made on or after the effective date of this Act or a rate
  for an insurance policy that is delivered, issued for delivery, or
  renewed on or after that date. An underwriting decision made before
  the effective date of this Act or a rate for a policy delivered,
  issued for delivery, or renewed before that date is governed by the
  law as it existed immediately before the effective date of this Act,
  and that law is continued in effect for that purpose.
         SECTION 3.  This Act takes effect September 1, 2015.
 
 
 
 
 
  ______________________________ ______________________________
     President of the Senate Speaker of the House     
 
         I hereby certify that S.B. No. 188 passed the Senate on
  April 7, 2015, by the following vote:  Yeas 28, Nays 3.
 
 
  ______________________________
  Secretary of the Senate    
 
         I hereby certify that S.B. No. 188 passed the House on
  May 24, 2015, by the following vote:  Yeas 89, Nays 51, two
  present not voting.
 
 
  ______________________________
  Chief Clerk of the House   
 
 
 
  Approved:
 
  ______________________________ 
              Date
 
 
  ______________________________ 
            Governor