---
type: "Bill"
title: "Relating to methods of computing interest charges on certain consumer loans."
description: "Relating to methods of computing interest charges on certain consumer loans."
jurisdiction: "us/states/tx"
legislature: "Texas Legislature"
session: "86"
identifier: "HB 3855"
citation: "Texas HB 3855 (86)"
classification: ["bill"]
subjects: ["Financial--General (I0365)", "LOANS (S0117)"]
status: "enacted"
primary_sponsors: ["Creighton", "Longoria", "Murphy"]
version_count: 1
action_count: 46
vote_count: 1
first_action: "2019-03-07"
last_action: "2019-06-14"
source: "openstates"
source_identifier: "ocd-bill/2a2f4b08-7841-4d78-9e7b-f0c9feaacf86"
source_url: "ftp://ftp.legis.state.tx.us/bills/86R/billhistory/house_bills/HB03800_HB03899/HB 3855.xml"
source_hash: "1555cffae2c539dfde1f5a52d120baf2a233eb45da7cb91d3a2c740b3309e141"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-tx"]
---

# Texas HB 3855 (86) — Relating to methods of computing interest charges on certain consumer loans.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](http://www.legis.state.tx.us/tlodocs/86R/billtext/html/HB03855I.HTM)

## Votes

- passage — **136–4** (pass) · lower

## Sponsors

- Creighton — primary (person)
- Longoria — primary (person)
- Murphy — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2019-03-07** Filed `filing`
- **2019-03-19** Read first time `introduction, reading-1`
- **2019-03-19** Referred to Pensions, Investments & Financial Services `referral-committee`
- **2019-04-11** Considered in public hearing
- **2019-04-11** Testimony taken/registration(s) recorded in committee
- **2019-04-11** Left pending in committee
- **2019-04-18** Considered in public hearing
- **2019-04-18** Reported favorably w/o amendment(s) `committee-passage`
- **2019-04-23** Comte report filed with Committee Coordinator
- **2019-04-23** Committee report distributed
- **2019-04-24** Committee report sent to Calendars
- **2019-05-03** Considered in Calendars
- **2019-05-06** Placed on General State Calendar
- **2019-05-07** Read 2nd time `reading-2`
- **2019-05-07** Passed to engrossment
- **2019-05-08** Read 3rd time `reading-3`
- **2019-05-08** Passed `passage`
- **2019-05-08** Record vote
- **2019-05-08** Statement(s) of vote recorded in Journal
- **2019-05-08** Reported engrossed
- **2019-05-08** Received from the House `introduction`
- **2019-05-10** Read first time `introduction, reading-1`
- **2019-05-10** Referred to Business & Commerce `referral-committee`
- **2019-05-16** Scheduled for public hearing on . . .
- **2019-05-16** Considered in public hearing
- **2019-05-16** Left pending in committee
- **2019-05-17** Considered in public hearing
- **2019-05-20** Reported favorably w/o amendments `committee-passage-favorable`
- **2019-05-20** Recommended for local & uncontested calendar
- **2019-05-20** Committee report printed and distributed
- **2019-05-22** Placed on local & uncontested calendar
- **2019-05-22** Laid before the Senate
- **2019-05-22** Read 2nd time & passed to 3rd reading
- **2019-05-22** Vote recorded in Journal
- **2019-05-22** Three day rule suspended
- **2019-05-22** Record vote
- **2019-05-22** Read 3rd time `reading-3`
- **2019-05-22** Passed `passage`
- **2019-05-22** Record vote
- **2019-05-23** Senate passage reported
- **2019-05-23** Reported enrolled
- **2019-05-24** Signed in the House
- **2019-05-25** Signed in the Senate
- **2019-05-26** Sent to the Governor `executive-receipt`
- **2019-06-14** Filed without the Governor's signature
- **2019-06-14** Effective on 9/1/19 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/2a2f4b08-7841-4d78-9e7b-f0c9feaacf86`. Confidence: reported (aggregated from official Texas legislature records).