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Texas Department of Insurance
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Commissioner’s Bulletin # B-0036-20

September 30, 2020

To:   All regulated entities and their agents and representatives

Re:   Insurers’ use of third-party data

The Texas Department of Insurance reminds all regulated entities, their agents, and their representatives that they are responsible for the accuracy of the data used in rating, underwriting, and claims handling – even if the data is provided by a third party. 

The obligations of regulated entities are set out in several Texas Insurance Code provisions. This bulletin does not create a new legal duty, obligation, or standard of care. Regulated entities are encouraged to seek counsel if you have questions about your legal obligations. 

TDI may pursue enforcement action against an insurer if its use of inaccurate data harms policyholders. Insurers are encouraged to provide policyholders with a way to review and correct data being used by the insurer.

For questions about this bulletin, contact the Property and Casualty Actuarial Office at

For more information, contact:

Last updated: 9/30/2020