---
type: "Bill"
title: "Relating to residential mortgage loans, including the financing of residential real estate purchases by means of a wrap mortgage loan; providing licensing and registration requirements; authorizing an administrative penalty."
description: "Relating to residential mortgage loans, including the financing of residential real estate purchases by means of a wrap mortgage loan; providing licensing and registration requirements; authorizing an administrative penalty."
jurisdiction: "us/states/tx"
legislature: "Texas Legislature"
session: "87"
identifier: "SB 43"
citation: "Texas SB 43 (87)"
classification: ["bill"]
subjects: ["FINANCE COMMISSION OF TEXAS (V0133)", "Financial--General (I0365)", "LOANS (S0117)", "Property Interests--Mortgages & Liens (I0605)", "Property Interests--Real Property (I0595)", "SAVINGS & MORTGAGE LENDING", "DEPARTMENT OF (V0620)"]
status: "enacted"
primary_sponsors: ["Capriglione", "Muñoz, Jr.", "Ortega", "Parker", "Rodriguez", "Zaffirini"]
version_count: 5
action_count: 54
vote_count: 2
first_action: "2020-11-09"
last_action: "2021-05-24"
source: "openstates"
source_identifier: "ocd-bill/c372c7db-ec38-4916-bb1b-188c0c707563"
source_url: "ftp://ftp.legis.state.tx.us/bills/87R/billhistory/senate_bills/SB00001_SB00099/SB 43.xml"
source_hash: "0ac1fbcaf469f2f8a7bd78bf92122e3d0a32d39903bf3958b6a52153cd375b59"
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 SB 43 (87) — Relating to residential mortgage loans, including the financing of residential real estate purchases by means of a wrap mortgage loan; providing licensing and registration requirements; authorizing an administrative penalty.

## Version chain

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

1. **Introduced** (filed) — [source](http://capitol.texas.gov/tlodocs/87R/billtext/html/SB00043I.HTM)
2. **Engrossed** (committee substitute) — [source](http://capitol.texas.gov/tlodocs/87R/billtext/html/SB00043E.HTM)
3. **House Committee Report** (committee substitute) — [source](http://capitol.texas.gov/tlodocs/87R/billtext/html/SB00043H.HTM)
4. **Senate Committee Report** (committee substitute) — [source](http://capitol.texas.gov/tlodocs/87R/billtext/html/SB00043S.HTM)
5. **Enrolled** (enrolled) — [source](http://capitol.texas.gov/tlodocs/87R/billtext/html/SB00043F.HTM)

## Votes

- passage — **101–46** (pass) · lower
- passage — **91–42** (pass) · lower

## Sponsors

- Capriglione — primary (person)
- Muñoz, Jr. — primary (person)
- Ortega — primary (person)
- Parker — primary (person)
- Rodriguez — primary (person)
- Zaffirini — primary (person)
- Hinojosa — cosponsor (person)
- West — cosponsor (person)

## Timeline

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

- **2020-11-09** Received by the Secretary of the Senate `filing`
- **2020-11-09** Filed `filing`
- **2021-03-03** Read first time `introduction, reading-1`
- **2021-03-03** Referred to Natural Resources & Economic Development `referral-committee`
- **2021-03-18** Scheduled for public hearing on . . .
- **2021-03-18** Considered in public hearing
- **2021-03-18** Testimony taken in committee
- **2021-03-18** Left pending in committee
- **2021-03-25** Considered in public hearing
- **2021-03-26** Reported favorably w/o amendments `committee-passage-favorable`
- **2021-03-26** Recommended for local & uncontested calendar
- **2021-03-26** Committee report printed and distributed
- **2021-03-30** Corrected comm. report printed & distributed
- **2021-03-31** Placed on intent calendar
- **2021-04-06** Co-author authorized
- **2021-04-06** Rules suspended-Regular order of business
- **2021-04-06** Read 2nd time & passed to engrossment
- **2021-04-06** Vote recorded in Journal
- **2021-04-06** Three day rule suspended
- **2021-04-06** Record vote
- **2021-04-06** Read 3rd time `reading-3`
- **2021-04-06** Passed `passage`
- **2021-04-06** Record vote
- **2021-04-06** Reported engrossed
- **2021-04-07** Received from the Senate `introduction`
- **2021-04-12** Read first time `introduction, reading-1`
- **2021-04-12** Referred to Pensions, Investments & Financial Services `referral-committee`
- **2021-04-23** Considered in formal meeting
- **2021-04-23** Reported favorably w/o amendment(s) `committee-passage`
- **2021-05-03** Comte report filed with Committee Coordinator
- **2021-05-03** Committee report distributed
- **2021-05-04** Committee report sent to Calendars
- **2021-05-04** Laid out in lieu of companion
- **2021-05-04** Read 2nd time `reading-2`
- **2021-05-04** Amended `amendment-passage`
- **2021-05-04** Passed to 3rd reading as amended
- **2021-05-04** Record vote
- **2021-05-04** Statement(s) of vote recorded in Journal
- **2021-05-05** Read 3rd time `reading-3`
- **2021-05-05** Passed `passage`
- **2021-05-05** Record vote
- **2021-05-05** Statement(s) of vote recorded in Journal
- **2021-05-05** House passage as amended reported
- **2021-05-10** House amendment(s) laid before the Senate
- **2021-05-10** Read
- **2021-05-10** Senate concurs in House amendment(s)
- **2021-05-10** Record vote
- **2021-05-10** Senate concurs in House amendment(s)-reported
- **2021-05-10** Reported enrolled
- **2021-05-12** Signed in the Senate
- **2021-05-12** Signed in the House
- **2021-05-12** Sent to the Governor `executive-receipt`
- **2021-05-24** Signed by the Governor `executive-signature`
- **2021-05-24** Effective on 1/1/22 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c372c7db-ec38-4916-bb1b-188c0c707563`. Confidence: reported (aggregated from official Texas legislature records).