Regular Session
Government Affairs & Regulatory Compliance Analysis
HB4739 repeals the requirement for holders of retail charge agreements to remit a portion of delinquency fees (specifically the $0. 50 share on fees exceeding $10) to the State Comptroller. This deregulatory measure affects all retailers, finance companies, and servicers managing proprietary credit programs in Texas, allowing them to retain 100% of assessed delinquency fees starting in 2026.
Rep. Charlie Geren·House Bill·Regular Session
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Key implementation requirements and action items for compliance with this legislation
The "Accrual" vs. "Collection" Trap:
The legislation includes a savings clause (Section 2) stating that liability accruing before the effective date remains enforceable. The ambiguity lies in cross-year transactions.
JD Key Consulting specializes in Texas regulatory compliance strategy. Work directly with James Dickey—former Chairman of the Republican Party of Texas—to understand this bill's impact on your operations and develop an actionable compliance plan.
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This bill's path through the Texas Legislature
Explore more bills from this author and on related topics
Common questions about HB4739
HB4739 repeals the requirement for holders of retail charge agreements to remit a portion of delinquency fees (specifically the $0. 50 share on fees exceeding $10) to the State Comptroller. This deregulatory measure affects all retailers, finance companies, and servicers managing proprietary credit programs in Texas, allowing them to retain 100% of assessed delinquency fees starting in 2026.
HB4739 was authored by Texas Representative Charlie Geren during the Regular Session.
HB4739 was signed into law by Governor Greg Abbott on May 29, 2025.
HB4739 is enforced by Comptroller of Public Accounts.
The regulatory priority for HB4739 is rated as "low". Businesses and organizations should review the legislation to understand potential impacts.
The cost impact of HB4739 is estimated as "low". This may vary based on industry and implementation requirements.
HB4739 addresses topics including fees & other nontax revenue, fees & other nontax revenue--state, state finances and state finances--management & control.
Key dates for HB4739: Effective date is 2026-01-01. Consult with legal counsel regarding applicability.
JD Key Consulting is an Austin, Texas-based government affairs firm led by James Dickey, former Chairman of the Republican Party of Texas. We specialize in Texas regulatory compliance and legislative strategy for data centers, energy, banking, and manufacturing.
