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HB3833

Regular Session

Relating to the regulation of money services businesses.

Critical
Medium Cost
Effective:2025-06-20
Enforcing Agencies

Texas Department of Banking

01

Compliance Analysis

Key implementation requirements and action items for compliance with this legislation

Implementation Timeline

  • Effective Date: June 20, 2025 (Immediate effect due to supermajority vote).
  • Compliance Deadline:
  • Vetting: Immediate. Any "Key Individual" designated or hired from today forward must meet the new background check standards.
  • Financial Reporting: The first annual report due after June 20, 2025, must adhere to GAAP standards (due 90 days post-fiscal year).
  • Agency Rulemaking: The Texas Department of Banking (DOB) must prescribe qualifications for "third-party custodians" holding stablecoin reserves. Until these rules are published, a regulatory gray zone exists regarding which custodians are compliant.

Immediate Action Plan

  • 1. HR Audit: Immediately order credit reports and litigation checks for all current leadership to identify potential red flags before the next DOB exam.
  • 2. Accounting Conversion: Currency Exchange licensees must contact external accountants today to initiate the migration to GAAP financial statements.
  • 3. Custody Review: If holding stablecoins, verify your custodian is a chartered trust company or bank; avoid unregulated offshore custodians until rulemaking is finalized.
  • 4. Insurance Review: Check Directors & Officers (D&O) policies for coverage regarding regulatory investigations triggered by executive background issues.

Operational Changes Required

Contracts

  • Employment Agreements: Amend executive contracts to require immediate disclosure of any civil litigation involving fraud, fiduciary breach, or mismanagement. This protects the company’s license if a "Key Individual" becomes a liability.
  • Custodial Agreements: If holding stablecoins as permissible investments, review contracts with third-party custodians. You must ensure they meet the forthcoming Commissioner-approved qualifications.
  • M&A Purchase Agreements: For acquisitions of existing licensees, draft agreements to include an attestation that the buyer will not make "material changes" to the business plan. This triggers a streamlined regulatory approval process (Section 152.152).

Hiring/Training

  • Background Check Protocols: Update HR workflows immediately. Standard criminal background checks are no longer sufficient. You must now procure independent credit reports and litigation history for all "Key Individuals" (formerly principals).
  • Role Definitions: Re-evaluate organizational charts. The shift from "Principal" to "Key Individual" may expand the scope of vetted employees to include regional compliance officers or managers with significant control over funds.

Reporting & Record-Keeping

  • Currency Exchange Accounting: Licensees must transition from tax-basis or cash-basis accounting to United States Generally Accepted Accounting Principles (GAAP).
  • Key Individual Dossiers: Maintain a specific compliance file for every Key Individual containing their fingerprints, credit report, and litigation history attestation for DOB examination.
  • Stablecoin Reserves: If using stablecoins for permissible investments, document proof of "direct" custody or a valid contract with a qualified third-party custodian.

Fees & Costs

  • Audit Fees: Currency Exchange licensees not currently using GAAP will face significant one-time and recurring costs to convert financial systems and engage external auditors.
  • Vetting Costs: Incremental increase in recruitment costs due to mandated credit reporting and deeper investigatory requirements.

Strategic Ambiguities & Considerations

  • "Key Individual" Scope: The statute does not explicitly define the lower bounds of a "Key Individual." Until the DOB issues clarification, the agency may interpret this broadly to include non-executive staff with access to critical systems.
  • Custodian Qualifications: The law permits third-party custody of stablecoins but relies on future rulemaking to define *who* qualifies as a custodian. Using a non-bank crypto custodian presents a compliance risk until the DOB publishes the specific criteria.

Need Help Understanding Implementation?

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Information presented is for general knowledge only and is provided without warranty, express or implied. Consult qualified government affairs professionals and legal counsel before making compliance decisions.

02

Legislative Timeline

This bill's path through the Texas Legislature

Filed
Mar 5, 2025
Passed House
May 16, 2025
Passed Senate
May 25, 2025
Signed
Jun 20, 2025
TopicsBusiness & CommerceBusiness & Commerce--generalFinancialFinancial--banksFinancial--generalCurrency & Currency ExchangeBanking Commissioner of TexasOccupational RegulationOccupational Regulation--other Trades & Professions
03

Official Analysis

View HRO AnalysisView All Bill Documents

BILL ANALYSIS

C.S.H.B. 3833

By: Lambert

Pensions, Investments & Financial Services

Committee Report (Substituted)

BACKGROUND AND PURPOSE

The 88th Texas Legislature passed S.B. 895, which repealed and replaced Chapter 151 of the Texas Finance Code with Chapter 152, also known as the Money Services Modernization Act, as part of a multi-state effort to adopt a modernized money services model law. C.S.H.B. 3833 makes certain revisions to that act as requested by the Texas Department of Banking to clarify statutory language.

CRIMINAL JUSTICE IMPACT

It is the committee's opinion that this bill does not expressly create a criminal offense, increase the punishment for an existing criminal offense or category of offenses, or change the eligibility of a person for community supervision, parole, or mandatory supervision.

RULEMAKING AUTHORITY

It is the committee's opinion that this bill does not expressly grant any additional rulemaking authority to a state officer, department, agency, or institution.

ANALYSIS

C.S.H.B. 3833 amends the Finance Code to make changes to the Money Services Modernization Act as follows:

·revises the statutory provision requiring a money services license applicant that is an individual who is in control of a money services licensee or applicant, who seeks to acquire control of a money services licensee, or who is a key individual to provide additional information to the banking commissioner of Texas or the commissioner's designee, which must include the individual's fingerprints with certain exceptions and specified background information, by doing the following:

omaking the requirement applicable to all such individuals, instead of just license applicants as under current law;

oclarifying that the type of key individual required to provide the applicable information is a key individual of a money services licensee or applicant; and

omaking the fingerprint and background information specified under current law the only type of additional information the individual is required to provide under this statutory provision;

·removes a requirement for an applicant for a currency exchange license to demonstrate that it meets or will meet the requirements of the act relating to the maintenance of permissible investments by a money transmission licensee;

·makes a requirement for the principal of a money services license that has expired or been surrendered that wishes to conduct activities for which such a license is required to file a new license application and satisfy all requirements for licensure that apply at the time the new application is filed applicable instead to a key individual of such a license;

·makes the following changes to the conditions under which the act's requirements relating to the acquisition of control of a money services licensee are inapplicable to a person who has complied with and received approval to engage in money services or was identified as a person in control in a previous application approved by the commissioner or by an applicable state agency for money transmission licensing and supervision under a multistate licensing process:

oremoves the condition that the person acquiring control is the same type of licensee as the person to be acquired; and

omakes the condition that the person acquiring control is projected to meet certain financial requirements applicable to the type of licensee being acquired after the acquisition of control is completed applicable only if that person is the same type of licensee;

·requires the financial statement that a currency exchange licensee must annually file with the commissioner to be prepared in accordance with United States generally accepted accounting principles;

·clarifies a statutory reference in the requirement for the requisite amount of tangible net worth to be demonstrated at the initial application for a money transmission license by the applicant's most recent audited or unaudited financial statements provided with the application;

·specifies that the security a currency exchange licensee is required to maintain consists of a surety bond in a form satisfactory to the commissioner but authorizes the licensee, with the commissioner's approval, to maintain a deposit in lieu of such a bond, thereby aligning the type of security required for such a license with that required for a money transmission license;

·accordingly removes a provision requiring a security that is an irrevocable letter of credit to be issued by a financial institution acceptable to the commissioner;

·conditions an authorization for an applicant for a money services license or a money services licensee, instead of providing all or part of the requisite amount of security, to deposit with an applicable financial institution an aggregate amount of U.S. currency, certificates of deposit, or other cash equivalents that equals the total amount of the required security or the remaining part of the security on the applicant or licensee having the commissioner's prior approval to do so;

·does the following with respect to permissible investments by a money transmission licensee:

ospecifies that the demand deposits and savings deposits that are included as permissible cash investments are deposits held in a federally insured depository financial institution; and

ofor purposes of the inclusion of stablecoin as a permissible investment to the extent of outstanding transmission obligations received by the licensee in the same kind of stablecoin, requires stablecoin to be held, stored, or kept in custody of the licensee directly or by a third-party custodian that meets the qualifications prescribed by the commissioner; and

·replaces references to a principal or responsible person of a licensee or authorized delegate, as applicable, with references to a key individual of a licensee or authorized delegate in the act's provisions governing the following:

othe suspension and revocation of a money services license;

othe suspension and revocation of an authorized delegate designation;

ocease and desist orders for a money services licensee or authorized delegate; and

orequirements and notice and hearing procedures for emergency orders.

EFFECTIVE DATE

September 1, 2025.

COMPARISON OF INTRODUCED AND SUBSTITUTE

While C.S.H.B. 3833 may differ from the introduced in minor or nonsubstantive ways, the following summarizes the substantial differences between the introduced and committee substitute versions of the bill.

Both the introduced and the substitute revise the list of individuals connected to a money services licensee or applicant who are required to provide additional information to the commissioner, including specified fingerprint and background information. However, the substitute also limits the type of information the individual must provide to the information specifically described in current law, whereas the introduced did not.

House Authors

Rep. Stan LambertRepublican · Primary Author
Coauthors (1)

Senate Sponsor

Sen. Nathan JohnsonDemocrat · Primary Sponsor

Bill Text(with markup)

H.B. No. 3833
AN ACT
relating to the regulation of money services businesses.
       BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
       SECTION 1.  Sections 152.105(a) and (b), Finance Code, are
amended to read as follows:
       (a)  An [In addition to the requirements of Section 152.104,
an applicant shall provide additional information to the
commissioner if the applicant is an] individual who[:
             [(1)]  is in control of a money services licensee or
applicant, who[;
             [(2)]  seeks to acquire control of a money services
licensee,[;] or who
             [(3)]  is a key individual of a money services licensee
or applicant shall provide[.
       [(b)  Additional information provided] to the commissioner
[by an individual under this section must include] the
individual's:
             (1)  fingerprints for submission to the Federal Bureau
of Investigation and the commissioner for purposes of a national
criminal history background check unless the person currently
resides outside of the United States and has resided outside of the
United States for the 10-year period preceding the submission of
the application; and
             (2)  personal history and experience, in a form and
medium prescribed by the commissioner, that contains the following
information:
                   (A)  if the individual has a social security
number, an independent credit report for the individual from a
consumer reporting agency;
                   (B)  information related to any criminal
convictions or pending charges against the individual; and
                   (C)  information related to any regulatory or
administrative action and any civil litigation against the
individual involving claims of fraud, misrepresentation,
conversion, mismanagement of funds, breach of fiduciary duty, or
breach of contract.
       SECTION 2.  Section 152.106(c), Finance Code, is amended to
read as follows:
       (c)  A determination by the commissioner under Subsection
(a) that an application is complete and is accepted for processing
is not an assessment of the substance of the application or of the
sufficiency of the information provided, and means only that the
application, on its face, appears to include all of the items,
including the national criminal history background check response
from the Federal Bureau of Investigation under Section 152.105
[152.105(b)], and address all of the matters that are required
under Sections 152.104 and 152.105.
       SECTION 3.  Sections 152.107(c) and (i), Finance Code, are
amended to read as follows:
       (c)  An applicant for a currency exchange license must
demonstrate that it meets or will meet the requirements in Sections
152.353 and[,] 152.354[, and 152.355].  A currency exchange
licensee must at all times continue to meet the requirements of
those sections.
       (i)  The holder, a key individual [principal], or a person in
control of the holder of a license issued under this chapter that
has expired or that the holder has surrendered under Section
152.108 that wishes to conduct activities for which a license is
required under this chapter must file a new license application
under Section 152.104 and satisfy all requirements for licensure
that apply at the time the new application is filed.
       SECTION 4.  Section 152.152(a), Finance Code, is amended to
read as follows:
       (a)  The requirements of Section 152.151 do not apply to a
person who has complied with and received approval to engage in
money services under this chapter or was identified as a person in
control in a previous application filed with and approved by the
commissioner or by an MSB-accredited state under a multistate
licensing process, provided that:
             (1)  the person has not:
                   (A)  had a money services license revoked or
suspended; or
                   (B)  controlled a money services licensee that has
had a money services license revoked or suspended while the person
was in control of the licensee in the previous five years;
             (2)  if the person is a money services licensee, the
person:
                   (A)  is well managed; and
                   (B)  if a rating for compliance has been given to
the person by an MSB-accredited state, received a satisfactory
rating in its most recent examination;
             (3)  in the case of a money transmission licensee, the
person to be acquired is [and the person acquiring control are both
money transmission licensees] projected to meet the requirements of
Sections 152.351, 152.352, 152.354, and 152.355, and if the person
acquiring control is a money transmission licensee, that person
acquiring control is also projected to meet the requirements of
those sections, after the acquisition of control is completed;
             (4)  in the case of a currency exchange licensee, the
person to be acquired is [and the person acquiring control are both
currency exchange licensees] projected to meet the requirements of
Sections 152.353 and 152.354, and if the person acquiring control
is a currency exchange licensee, that person acquiring control is
also projected to meet the requirements of those sections, after
the acquisition of control is completed;
             (5)  the money services licensee to be acquired will
not implement any material changes to the licensee's business plan
as a result of the acquisition of control, and if the person
acquiring control is a money services licensee, the acquiring
licensee also will not implement any material changes to its
business plan as a result of the acquisition of control; and
             (6)  the person provides notice of the acquisition in
cooperation with the money services licensee and attests to
Subdivisions (1) through (5), as applicable, in a form and medium
prescribed by the commissioner.
       SECTION 5.  Section 152.203(a), Finance Code, is amended to
read as follows:
       (a)  A money services licensee shall, not later than the 90th
day after the end of each fiscal year, or within an extended time
prescribed by the commissioner, file with the commissioner:
             (1)  for a money transmission licensee, an audited
unconsolidated financial statement of the licensee for the fiscal
year prepared in accordance with United States generally accepted
accounting principles;
             (2)  for a currency exchange licensee, a financial
statement, audited or unaudited, dated as of the last day of the
licensee's fiscal year that ended in the immediately preceding
calendar year, prepared in accordance with United States generally
accepted accounting principles; and
             (3)  any other information as the commissioner may
reasonably require.
       SECTION 6.  Section 152.351(b), Finance Code, is amended to
read as follows:
       (b)  Tangible net worth under this section must be
demonstrated at the initial application by the applicant's most
recent audited or unaudited financial statements pursuant to
[under] Section 152.104(c)(6) or (7).
       SECTION 7.  Section 152.353(a), Finance Code, is amended to
read as follows:
       (a)  A currency exchange licensee shall at all times maintain
security in the amount applicable to the licensee under this
section consisting of a surety bond in a form satisfactory to the
commissioner.  The security must satisfy the requirements of and is
subject to Section 152.354.  With the commissioner's approval, a
currency exchange licensee may maintain a deposit in lieu of a bond
under this section.
       SECTION 8.  Sections 152.354(a) and (g), Finance Code, are
amended to read as follows:
       (a)  In addition to the requirements of Section 152.352 or
152.353, a security under this subchapter must:
             (1)  be in a form satisfactory to the commissioner;
             (2)  be payable to any claimant or to the commissioner,
on behalf of a claimant or this state, for any liability arising out
of a money transmission licensee's money transmission business in
this state, incurred under, subject to, or by virtue of this
chapter; and
             (3)  if the security is a bond, be issued by a qualified
surety company authorized to engage in business in this state and
acceptable to the commissioner [or, if the security is an
irrevocable letter of credit, be issued by a financial institution
acceptable to the commissioner].
       (g)  Instead of providing all or part of the amount of the
security required by this section, an applicant for a money
services license or a money services licensee may, with the prior
approval of the commissioner, deposit, with a financial institution
possessing trust powers that is authorized to conduct a trust
business in this state and is acceptable to the commissioner, an
aggregate amount of United States currency, certificates of
deposit, or other cash equivalents that equals the total amount of
the required security or the remaining part of the security.
       SECTION 9.  Section 152.356, Finance Code, is amended by
amending Subsections (a) and (b) and adding Subsection (a-1) to
read as follows:
       (a)  The following investments are permissible under Section
152.355:
             (1)  cash, including:
                   (A)  demand deposits held in a federally insured
depository financial institution;
                   (B)  savings deposits held in a federally insured
depository financial institution;
                   (C)  funds in accounts under Paragraphs (A) and
(B) held for the benefit of the [a] money transmission licensee's
customers in a federally insured depository financial institution;
                   (D)  cash equivalents, including automated
clearing house items:
                         (i)  in transit to the money transmission
licensee; and
                         (ii)  in transit to a payee;
                   (E)  international wires in transit to a payee;
                   (F)  cash in transit via armored car;
                   (G)  cash in smart safes;
                   (H)  cash in money transmission licensee-owned
locations;
                   (I)  debit card or credit card-funded
transmission receivables owed by a bank; or
                   (J)  money market mutual funds rated "AAA" by S&P
Global or an equivalent rating from an eligible rating service;
             (2)  certificates of deposit or senior debt obligations
of an insured depository institution, as defined by Section 3,
Federal Deposit Insurance Act (12 U.S.C. Section 1813) or the
Federal Credit Union Act (12 U.S.C. Section 1781);
             (3)  an obligation:
                   (A)  of the United States or a commission, agency,
or instrumentality of the United States;
                   (B)  that is guaranteed fully as to principal and
interest by the United States; or
                   (C)  of a state or a governmental subdivision,
agency, or instrumentality of the United States;
             (4)  the full drawable amount of an irrevocable standby
letter of credit for which the stated beneficiary is the
commissioner that stipulates that the commissioner need only draw a
sight draft under the letter of credit and present it to obtain
funds up to the letter of credit amount on presentation of the items
required by Subsection (f);
             (5)  100 percent of the surety bond or deposit provided
for under Section 152.352 that exceeds the average daily money
transmission liability in this state; or
             (6)  stablecoin, to the extent of outstanding
transmission obligations received by the licensee in the same kind
of stablecoin.
(a-1)  For purposes of Subsection (a)(6), stablecoin must be
held, stored, or kept in custody of the licensee directly or by a
third-party custodian that meets the qualifications prescribed by
the commissioner.
       (b)  Unless permitted by the commissioner to exceed the limit
provided, the following investments are permissible under Section
152.355 to the extent specified:
             (1)  receivables that are payable to a money
transmission licensee from its authorized delegates in the ordinary
course of business that are less than seven days old are permissible
up to the amount of 50 percent of the aggregate value of the
licensee's total permissible investments;
             (2)  receivables under Subdivision (1) that are payable
to a money transmission licensee from a single authorized delegate
in the ordinary course of business are permissible up to the amount
of 10 percent of the aggregate value of the licensee's total
permissible investments;
             (3)  the following investments are permissible up to
the amount of 20 percent of the aggregate value of a money
transmission licensee's total permissible investments for the
amount under each paragraph and the amount of 50 percent of the
aggregate value of the licensee's total permissible investments for
the total amount under this subdivision:
                   (A)  a short-term investment of not more than six
months bearing an eligible rating;
                   (B)  commercial paper bearing an eligible rating;
                   (C)  a bill, note, bond, or debenture bearing an
eligible rating;
                   (D)  a United States tri-party repurchase
agreement collateralized at 100 percent or more with United States
or agency security, municipal bonds, or other security bearing an
eligible rating;
                   (E)  a money market mutual fund rated less than
"AAA" and not less than "A-" by S&P Global, or the equivalent from
an eligible rating service; and
                   (F)  a mutual fund or other investment fund
composed solely and exclusively of one or more permissible
investments listed in Subsections (a)(1)-(3); and
             (4)  cash, including demand deposits, savings
deposits, and funds in an account held for the benefit of the [a]
money transmission licensee's customers at a foreign depository
institution is permissible up to the amount of 10 percent of the
aggregate value of the licensee's total permissible investments if:
                   (A)  the licensee has received a satisfactory
rating in its most recent examination; and
                   (B)  the foreign depository institution:
                         (i)  has an eligible rating;
                         (ii)  is registered under the Foreign
Account Tax Compliance Act (Pub. L. No. 111-147);
                         (iii)  is not located in a country subject to
sanctions from the Office of Foreign Assets Control; and
                         (iv)  is not located in a jurisdiction
designated high-risk or uncooperative by the Financial Action Task
Force.
       SECTION 10.  Section 152.403(b), Finance Code, is amended to
read as follows:
       (b)  The commissioner may suspend or revoke a money services
license or order a money transmission licensee to revoke the
designation of an authorized delegate if the commissioner has
reason to believe that:
             (1)  the money services licensee has violated this
chapter, a rule adopted or order issued under this chapter, a
written agreement entered into with the department or commissioner,
or any other state or federal law applicable to the licensee's money
services business;
             (2)  the money services licensee has refused to permit
or has not cooperated with an examination or investigation
authorized by this chapter;
             (3)  the money services licensee has engaged in fraud,
knowing misrepresentation, deceit, or gross negligence in
connection with the operation of the licensee's money services
business or any transaction subject to this chapter;
             (4)  an authorized delegate of the money transmission
licensee has knowingly violated this chapter, a rule adopted or
order issued under this chapter, or a state or federal
anti-money-laundering or terrorist funding law, and the licensee
knows or should have known of the violation and has failed to make a
reasonable effort to prevent or correct the violation;
             (5)  the competence, experience, character, or general
fitness of the money services licensee or the authorized delegate
of a money transmission licensee, or a key individual [principal]
of or[,] person in control [of, or responsible person] of a money
services licensee or authorized delegate of a money transmission
licensee, indicates that it is not in the public interest to permit
the licensee or authorized delegate to provide money services;
             (6)  the money services licensee has engaged in an
unsafe or unsound act or practice or has conducted business in an
unsafe or unsound manner;
             (7)  the money services licensee has suspended payment
of the licensee's obligations, made a general assignment for the
benefit of the licensee's creditors, or admitted in writing the
licensee's inability to pay debts of the licensee as they become
due;
             (8)  the money transmission licensee has failed to
terminate the authority of an authorized delegate after the
commissioner has issued and served on the licensee a final order
finding that the authorized delegate has violated this chapter;
             (9)  a fact or condition exists that, if it had been
known at the time the money services licensee applied for the
license, would have been grounds for denying the application;
             (10)  the money services licensee has engaged in false,
misleading, or deceptive advertising;
             (11)  the money services licensee has failed to pay a
judgment entered in favor of a claimant or creditor in an action
arising out of the licensee's activities under this chapter not
later than the 30th day after the date the judgment becomes final or
not later than the 30th day after the date the stay of execution
expires or is terminated, as applicable;
             (12)  the money services licensee has knowingly made a
material misstatement or has suppressed or withheld material
information on an application, request for approval, report, or
other document required to be filed with the department under this
Showing first 50k characters.

View bill text in multiple formats on Texas Legislature website

Fiscal NoteView Original

LEGISLATIVE BUDGET BOARD
Austin, Texas
FISCAL NOTE, 89TH LEGISLATIVE REGULAR SESSION
April 4, 2025

TO:
Honorable Stan Lambert, Chair, House Committee on Pensions, Investments & Financial Services
FROM:
Jerry McGinty, Director, Legislative Budget Board
IN RE:
HB3833 by Lambert (Relating to the regulation of money services businesses.), As Introduced

No significant fiscal implication to the State is anticipated.

The Department of Banking is a self-directed, semi-independent agency that is responsible for its costs of operations, prohibited from causing the General Revenue Fund to incur any cost, and not subject to the legislative budgeting process. It is assumed that any costs associated with the bill for the Office of Attorney General could be absorbed using existing resources.

Local Government Impact

No significant fiscal implication to units of local government is anticipated.


Source Agencies:
302 Office of the Attorney General, 451 Department of Banking
LBB Staff:
JMc, FV, GDZ, KSi

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Quick Reference

Frequently Asked Questions

Common questions about HB3833

Q

What does Texas HB3833 do?

HB3833 is effective immediately (June 20, 2025), fundamentally altering the vetting process for Texas Money Services Business (MSB) leadership and modernizing investment reserve standards. The law replaces "principals" with "Key Individuals," mandating credit reports and deeper background checks for all control persons, while simultaneously requiring Currency Exchange licensees to adopt GAAP accounting standards. Failure to align executive vetting with these new standards grants the Banking Commissioner broad authority to revoke corporate licenses.

Q

Who authored HB3833?

HB3833 was authored by Texas Representative Stan Lambert during the Regular Session.

Q

When was HB3833 signed into law?

HB3833 was signed into law by Governor Greg Abbott on June 20, 2025.

Q

Which agencies enforce HB3833?

HB3833 is enforced by Texas Department of Banking.

Q

How urgent is compliance with HB3833?

The compliance urgency for HB3833 is rated as "critical". Businesses and organizations should review the requirements and timeline to ensure timely compliance.

Q

What is the cost impact of HB3833?

The cost impact of HB3833 is estimated as "medium". This may vary based on industry and implementation requirements.

Q

What topics does HB3833 address?

HB3833 addresses topics including business & commerce, business & commerce--general, financial, financial--banks and financial--general.

Legislative data provided by LegiScanLast updated: November 25, 2025

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