SB 912: Mandatory CE Tracking for Texas Agents Starts Sept 1

For years, Texas insurance agents have managed their continuing education (CE) on an informal "honor system." You take a course, you get a certificate, you file it away in a folder. If TDI ever asks to see it, you pull it out and show them.

That system is about to change.

Starting September 1, 2026, a new state mandate will require electronic tracking of CE compliance for licensed professionals in Texas. Here’s what every Texas insurance agent needs to know about Senate Bill 912 — and what it means for your license renewal.

Quick Summary

• SB 912 passed during the 89th Texas Legislative Session
  
• Effective September 1, 2026, CE compliance must be verified through electronic tracking systems
  
• Your CE provider must report your completion electronically — paper certificates won't be enough
  
• Check your CE transcript on Sircon after every course to confirm reporting
  
• Complete CE at least 30 days early — don't wait until the last minute
  
• Same 24-hour requirement still applies — this is a reporting change, not a content change

What Is Changing?

Under Senate Bill 912, passed during the 8.

9th Legislative Session, Texas regulatory agencies are now required to verify CE compliance through electronic tracking systems before processing license renewals.

For Texas insurance agents, this means your CE completion must be verified electronically in the state's system before your renewal can be processed. You can no longer rely solely on paper certificates tucked away in a file folder.

The old way: Take a course, get a certificate, keep it in your records. TDI trusts you to have it if audited.

The new way: Take a course, your provider reports it electronically to the state, and TDI verifies it in their system before your renewal is approved.

What This Means for You

1. Your CE provider must report electronically. Not all providers have been diligent about electronic reporting in the past. Starting September 1, this becomes essential. If your provider doesn't report your completion to the state system, your renewal could be delayed or denied.

2. Check your transcript after every course. Don't trust that your provider reported your hours correctly. Log into your Sircon account and verify that each course appears in your CE transcript after you complete it. If something is missing, contact your provider immediately — not the night before your license expires.

3. Complete CE at least 30 days early. TDI recommends completing your CE at least 30 days before your license expires. With the new electronic verification requirement, this advice is more important than ever. If there's a reporting issue, you need time to resolve it before your deadline.

4. Know your deadline. CE must be completed before the last day of your birth month during each renewal period. There is no grace period. If you miss the deadline, you face a $50 fine for each missing CE hour and a 90-day window to resolve deficiencies.

What Hasn't Changed

The new tracking requirement does not change the actual CE requirements. You still need:

• 24 total CE hours every two years for most licenses
  
• 3 hours of ethics (increased from 2 hours for licenses expiring on or after September 30, 2022)
  
• At least 12 hours in classroom or classroom-equivalent format
  
• No course duplication — you cannot take the same course twice in the same renewal period
  
• No CE carryover — excess hours do not roll over to the next cycle

Annuity and long-term care producers still need their specialty CE on top of the 24-hour requirement.

Why This Matters Now

The shift to electronic tracking is part of a broader trend toward digital compliance across Texas professional licensing. While the "honor system" may have worked in the past, the new mandate ensures that CE compliance is verified before renewal, not after.

For agents who stay on top of their CE, this change should be seamless. Your provider reports your hours, you verify them on Sircon, and your renewal goes through without issue.

For agents who wait until the last minute, this change creates real risk. If your provider hasn't reported your hours, or if there's a technical issue with the electronic verification, you may not have time to fix it before your license expires.

Pro tip: TDI strongly recommends completing all CE at least 30 days before your license expiration date. With the new electronic verification requirement, this advice is more critical than ever.

Frequently Asked Questions

What is SB 912?

SB 912 is a Texas law passed during the 89th Legislative Session that requires CE compliance to be verified electronically before license renewal.

When does it take effect?

September 1, 2026.

Do I need to do anything different?

Yes — make sure your CE provider reports your completion electronically, and check your Sircon transcript after every course to verify that your hours are recorded.

Do I need to use a specific tracking system?

The Texas Department of Insurance already uses the Sircon system for CE tracking. You can check your transcript and view available courses through Sircon.

What if my provider doesn't report my CE?

Contact your provider immediately. If your hours aren't in the system, your renewal may be delayed or denied.

What happens if I miss my deadline?

You face a $50 fine for each missing CE hour and have a 90-day window to resolve deficiencies. After 90 days, your license may be permanently inactivated.

Does this change my CE requirements?

No. The 24-hour requirement (including 3 hours of ethics and at least 12 hours classroom-equivalent) remains the same. This is a tracking change, not a content change.

Stay Ahead of the Change

The new CE tracking requirement is coming September 1, 2026. The smartest move is to complete your CE early, verify your transcript on Sircon, and avoid the last-minute scramble.

Time2Renew offers TDI-approved CE courses that cover everything you need — 24-hour bundles with ethics included, classroom-equivalent courses, and specialty courses for annuities and LTC. All courses are online, self-paced, and built for busy agents.

When you complete a course with Time2Renew, we report your hours directly to the state system — so you can focus on your clients, not your compliance paperwork.

👉 Start your Texas insurance CE with Time2Renew

About Time2Renew: Texas insurance agents trust us for practical, up-to-date continuing education. TDI-approved. Ethics, general, and specialty courses available. Start today.