H.B. No. 3109 proposes to transfer the Financial Crimes Intelligence Center from Chapter 2312 of the Occupations Code to Chapter 426 of the Government Code, along with several amendments to its provisions. The bill introduces new definitions related to financial crimes, including "check fraud," "electronic fund transfer," and "payment fraud," while also updating existing definitions. The center's purpose is expanded to focus on payment fraud, including the use of skimmers, and it is tasked with enhancing collaboration among law enforcement and other governmental agencies to detect and prevent such crimes.

Additionally, the bill outlines the operational structure of the center, including the appointment of a director to oversee its functions, and allows for the solicitation of funding through gifts and grants, with specific restrictions on sources. The center is also authorized to award grants aimed at reducing payment fraud and enhancing public outreach and training. The Texas Commission of Licensing and Regulation is required to adopt necessary rules to implement these changes by September 1, 2025.