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HB 21

Relating to housing finance corporations; authorizing a fee.

89th Legislature (2025) Introduced by Daniel Alders and 102 co-sponsors

Texas HB 21 authorizes housing finance corporations to charge fees for services, effective immediately upon gubernatorial signature in May 2025.

Effective immediately
#audits&auditors(s4334) #citygovernment--landuse&zoning(i0064) #countygovernment--landuse&zoning(i0098) #housing&communityaffairs #texasdepartmentof(v0008) #housing--finance(i0407) #housing--general(i0405) #propertyinterests--landlord&tenant(i0610) #taxation--property-exemptions(i0793)
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Bill Summary · HB 21

Legislative bill overview

HB 21 authorizes housing finance corporations in Texas to charge and collect fees for their services. The bill became effective immediately upon the Governor's signature on May 28, 2025, and had bipartisan support from its sponsors.

Why is this important

Housing finance corporations play a role in facilitating residential lending and mortgage services in Texas. Authorizing fees allows these entities to generate revenue for operations, though it may incrementally increase costs for borrowers or homebuyers who utilize their services.

Potential points of contention

  • Fee structure and transparency: The bill authorizes fees but does not specify maximum amounts, structures, or disclosure requirements, raising questions about whether there are adequate consumer protections
  • Impact on housing affordability: Additional fees could increase borrowing costs for homebuyers, potentially affecting affordability in an already tight housing market
  • Regulatory oversight: Unclear whether existing regulatory bodies have sufficient authority to monitor or cap these newly-authorized fees to prevent excessive charges

Compiled from official sources — confirm details with the bill’s official record.

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