H.B. No. 3109 proposes to transfer and redesignate Chapter 2312 of the Occupations Code to Chapter 426 of the Government Code, establishing the Financial Crimes Intelligence Center. The bill introduces new definitions related to financial crimes, including "check fraud," "electronic fund transfer," and "payment fraud," while also amending existing definitions. The center's purpose is to serve as the primary entity for coordinating law enforcement responses to payment fraud, including the use of skimmers, and to enhance the ability of various agencies to detect and prevent such crimes.

Additionally, the bill outlines the operational framework for the center, including the appointment of a director to oversee its functions and the establishment of agreements with law enforcement agencies. It mandates the center to collaborate with various stakeholders to develop strategies for preventing payment fraud and detecting skimmers. The center is also authorized to accept funding through gifts and grants, with specific provisions to ensure that it does not accept donations from licensed holders as defined in the Occupations Code. The act is set to take effect on September 1, 2025.