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Glossary of Legislative Terms

CS/CS/SB 540: Office of Financial Regulation

GENERAL BILL by Appropriations Committee on Agriculture, Environment, and General Government ; Banking and Insurance ; Martin

Office of Financial Regulation; Requiring the Department of Children and Families to cooperate with and seek cooperation from the Office of Financial Regulation concerning certain protective investigations of suspected financial exploitation of specified adults; requiring loan originators, mortgage brokers, and mortgage lenders to develop, implement, and maintain comprehensive written information security programs for the protection of information systems and nonpublic personal information; providing additional acts that constitute a ground for specified disciplinary actions against loan originators and mortgage brokers; authorizing the office to make investigations and examinations to aid the Department of Children and Families with certain protective investigations; requiring money services businesses to develop, implement, and maintain comprehensive written information security programs for the protection of information systems and nonpublic personal information, etc.

Effective Date: 7/1/2026
Last Action: 2/16/2026 Senate - Now in Rules
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Appropriations Committee on Agriculture, Environment, and General Government (AEG)
  3. Rules (RC)

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  • Bill History

    Date Chamber Action
    11/17/2025 Senate • Filed
    12/1/2025 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
    1/8/2026 Senate • On Committee agenda-- Banking and Insurance, 01/13/26, 4:00 pm, 412 Knott Building
    1/13/2026 Senate • CS by Banking and Insurance; YEAS 10 NAYS 0
    • Introduced
    1/15/2026 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    1/16/2026 Senate • Now in Appropriations Committee on Agriculture, Environment, and General Government
    1/22/2026 Senate • CS by Banking and Insurance read 1st time
    2/9/2026 Senate • On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/12/26, 4:30 pm, 412 Knott Building
    2/12/2026 Senate • CS/CS by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 10 NAYS 0
    2/16/2026 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Rules

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  • CS/CS/SB 540, Committee Substitute 2 (Current Bill Version) Posted 2/16/2026 at 3:30 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1440 (c1) Public Records/Office of Financial Regulation/Cybersecurity Event Martin Linked Last Action: 2/13/2026 S On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/18/26, 10:30 am, 412 Knott Building Track This Bill
    H 381 (c1) Office of Financial Regulation Insurance & Banking Subcommittee Similar Last Action: 2/16/2026 H Now in Commerce Committee Track This Bill
    H 777 Pub. Rec./Office of Financial Regulation Barnaby Compare Last Action: 1/22/2026 H Now in Government Operations Subcommittee Track This Bill

    Citations - Statutes (24)

    Citation Catchline Location in Bill Location In Bill Help
    415.106 Cooperation by the department and criminal justice and other agencies. Page 5 (pdf)
    415.107 Confidentiality of reports and records. Page 7 (pdf)
    494.00123 Page 7 (pdf)
    494.00255 Administrative penalties and fines; license violations. Page 15 (pdf)
    517.021 Definitions. Page 15 (pdf)
    517.061 Exempt transactions. Page 17 (pdf)
    517.12 Registration of dealers, associated persons, intermediaries, and investment advisers. Page 39 (pdf)
    517.201 Investigations; examinations; subpoenas; hearings; witnesses. Page 19 (pdf)
    517.34 Protection of specified adults. Page 19 (pdf)
    520.135 Page 22 (pdf)
    560.114 Disciplinary actions; penalties. Page 23 (pdf)
    560.1311 Page 28 (pdf)
    560.309 Conduct of business. Page 36 (pdf)
    560.405 Deposit; redemption. Page 37 (pdf)
    560.406 Worthless checks. Page 37 (pdf)
    655.0171 Page 38 (pdf)
    655.032 Investigations, subpoenas, hearings, and witnesses. Page 41 (pdf)
    655.045 Examinations, reports, and internal audits; penalty. Page 42 (pdf)
    657.005 Application for authority to organize a credit union; investigation. Page 43 (pdf)
    657.024 Membership meetings. Page 43 (pdf)
    657.042 Investment powers and limitations. Page 44 (pdf)
    658.21 Approval of application; findings required. Page 45 (pdf)
    658.33 Directors, number, qualifications; officers. Page 46 (pdf)
    662.141 Examination, investigations, and fees. Page 46 (pdf)

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  • CS/SB 540, Committee Substitute 1 Posted 1/15/2026 at 4:00 PM

    Bill Text:   Web Page | PDF
    Analyses:   Appropriations Committee on Agriculture, Environment, and General Government (Pre-Meeting) 2/11/2026 (pdf)
    Appropriations Committee on Agriculture, Environment, and General Government (Post-Meeting) 2/16/2026 (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1440 (c1) Public Records/Office of Financial Regulation/Cybersecurity Event Martin Linked Last Action: 2/13/2026 S On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/18/26, 10:30 am, 412 Knott Building Track This Bill
    H 381 (c1) Office of Financial Regulation Insurance & Banking Subcommittee Similar Last Action: 2/16/2026 H Now in Commerce Committee Track This Bill
    H 777 Pub. Rec./Office of Financial Regulation Barnaby Compare Last Action: 1/22/2026 H Now in Government Operations Subcommittee Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    704244 - Amendment
    Delete lines 96 - 971 and insert:     		Appropriations Committee on Agriculture, Environment, and General Government
    (Martin)     		2/12/2026
    1:13 PM     		Replaced by Committee Substitute
    2/12/2026     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    2/12/2026 4:30 PM Appropriations Committee on Agriculture, Environment, and General Government 10 Yeas - 0 Nays

    Citations - Statutes (16)

    Citation Catchline Location in Bill Location In Bill Help
    494.00123 Page 4 (pdf)
    494.00255 Administrative penalties and fines; license violations. Page 13 (pdf)
    517.021 Definitions. Page 13 (pdf)
    517.061 Exempt transactions. Page 15 (pdf)
    517.12 Registration of dealers, associated persons, intermediaries, and investment advisers. Page 39 (pdf)
    520.135 Page 17 (pdf)
    560.114 Disciplinary actions; penalties. Page 17 (pdf)
    560.1311 Page 22 (pdf)
    655.0171 Page 30 (pdf)
    655.045 Examinations, reports, and internal audits; penalty. Page 33 (pdf)
    657.005 Application for authority to organize a credit union; investigation. Page 34 (pdf)
    657.024 Membership meetings. Page 35 (pdf)
    657.042 Investment powers and limitations. Page 35 (pdf)
    658.21 Approval of application; findings required. Page 36 (pdf)
    658.33 Directors, number, qualifications; officers. Page 37 (pdf)
    662.141 Examination, investigations, and fees. Page 38 (pdf)

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  • SB 540, Original Filed Version Posted 11/17/2025 at 4:48 PM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 1/12/2026 (pdf)
    Banking and Insurance (Post-Meeting) 1/15/2026 (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1440 Public Records/Office of Financial Regulation/Cybersecurity Event Martin Linked Last Action: 2/13/2026 S On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/18/26, 10:30 am, 412 Knott Building Track This Bill
    H 381 Office of Financial Regulation Insurance & Banking Subcommittee Identical Last Action: 2/16/2026 H Now in Commerce Committee Track This Bill
    H 777 Pub. Rec./Office of Financial Regulation Barnaby Compare Last Action: 1/22/2026 H Now in Government Operations Subcommittee Track This Bill

    Committee Amendments (4)

    Amendment Sponsor Filed Last Committee Action Format
    686220 - Amendment
    Between lines 435 and 436 insert:     		Banking and Insurance
    (Martin)     		1/12/2026
    3:58 PM     		Replaced by Committee Substitute
    1/15/2026     		Web Page
    PDF
    465000 - Amendment
    Delete lines 436 - 879.     		Banking and Insurance
    (Martin)     		1/12/2026
    4:01 PM     		Replaced by Substitute Amendment
    1/15/2026     		Web Page
    PDF
    hierarchy 151196 - Substitute Amendment (465000)
    Delete lines 425 - 879 and insert:     		Banking and Insurance
    (Martin)     		1/13/2026
    1:24 PM     		Replaced by Committee Substitute
    1/15/2026     		Web Page
    PDF
    820822 - Amendment
    Delete line 1413 and insert:     		Banking and Insurance
    (Martin)     		1/12/2026
    3:52 PM     		Replaced by Committee Substitute
    1/15/2026     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    1/13/2026 4:00 PM Banking and Insurance 10 Yeas - 0 Nays

    Citations - Statutes (15)

    Citation Catchline Location in Bill Location In Bill Help
    494.00123 Page 4 (pdf)
    494.00255 Administrative penalties and fines; license violations. Page 13 (pdf)
    517.021 Definitions. Page 13 (pdf)
    517.12 Registration of dealers, associated persons, intermediaries, and investment advisers. Page 53 (pdf)
    559.952 Financial Technology Sandbox. Page 16 (pdf)
    560.114 Disciplinary actions; penalties. Page 31 (pdf)
    560.1311 Page 36 (pdf)
    655.0171 Page 45 (pdf)
    655.045 Examinations, reports, and internal audits; penalty. Page 48 (pdf)
    657.005 Application for authority to organize a credit union; investigation. Page 49 (pdf)
    657.024 Membership meetings. Page 49 (pdf)
    657.042 Investment powers and limitations. Page 49 (pdf)
    658.21 Approval of application; findings required. Page 50 (pdf)
    658.33 Directors, number, qualifications; officers. Page 51 (pdf)
    662.141 Examination, investigations, and fees. Page 52 (pdf)

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