Texas · Trust Accounting

Texas IOLTA Trust Account Rules

What Texas attorneys must do to keep client trust funds compliant — the governing rule, how often you must reconcile, and how long records must be kept.

Texas Trust Account Requirements at a Glance

Governing rule

Texas Disciplinary Rules of Professional Conduct 1.15 (Safekeeping Property), renumbered from Rule 1.14 effective July 1, 2021

Reconciliation required

Not specified by rule (monthly recommended by the State Bar trust account guide)

Record retention

5 years

Regulator

State Bar of Texas, Office of Chief Disciplinary Counsel

IOLTA program

Texas Access to Justice Foundation

Source: State Bar of Texas, Office of Chief Disciplinary Counsel . Rules change — always confirm against the current text before relying on it.

Three-Way Reconciliation in Texas

Texas's stated reconciliation requirement is: Not specified by rule (monthly recommended by the State Bar trust account guide). A three-way reconciliation compares three totals that must all agree. If they do not, the difference has to be found and resolved before the reconciliation is complete.

1

Adjusted bank balance

Bank statement balance, adjusted for outstanding checks and deposits in transit.

2

Trust register balance

Your internal trust account register as of the same date.

3

Sum of client ledgers

The total of every individual client ledger balance on that date.

For a full walkthrough of the procedure, common violations, and what examiners look for, see our IOLTA compliance guide.

What Texas Attorneys Must Keep, and for 5 Years

Texas requires trust account records to be retained for 5 years. In practice that means keeping:

This page is a summary, not legal advice. IOLTA Guard is not a law firm. Confirm current requirements with the State Bar of Texas, Office of Chief Disciplinary Counsel — rules change, and your obligations as the attorney of record are yours alone.

Trust Account Rules in Other States

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Stay Compliant with Texas Trust Account Rules

IOLTA Guard automates three-way reconciliation, blocks negative client ledgers, and keeps the audit trail Texas attorneys are expected to maintain.

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