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Bill

SB 807

Relating to the prosecution of the offense of fraudulent use or possession of credit card or debit card information.

89th Legislature (2025) Introduced by Judith Zaffirini

SB 807 modifies Texas criminal penalties for fraudulent credit and debit card use and possession, affecting how these offenses are prosecuted and classified.

Referred to Criminal Justice
#credit&debitcards(s0388) #crimes--againstproperty(i0175) #criminalprocedure--general(i0208) #fraud(s0166) #financial--general(i0365) #protectionofpersonalinformation(i0003)
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Bill Summary · SB 807

Legislative bill overview

SB 807 modifies Texas law governing criminal penalties for fraudulent use or possession of credit card and debit card information. The bill adjusts how these offenses are prosecuted and classified under the state's penal code, likely addressing gaps or inconsistencies in current fraud statutes.

Why is this important

Credit card and debit card fraud costs consumers and financial institutions billions annually. Clear, updated legal frameworks ensure consistent prosecution of offenders and provide appropriate penalties that reflect the severity and frequency of different fraud schemes in the modern financial landscape.

Potential points of contention

  • Penalty escalation vs. proportionality: Changes to penalty levels could either be viewed as necessary enhancement for deterrence or as potentially excessive punishment that doesn't match offense severity
  • Scope of applicability: Unclear whether amendments apply only to possession/use of stolen card data versus broader identity theft scenarios, potentially affecting which cases prosecutors prioritize
  • Burden on retailers and processors: Depending on implementation, enhanced prosecution frameworks may require businesses to maintain additional documentation or reporting mechanisms to support cases

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

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