Brian Ethridge, who runs the Baylor 24/7 board, is a well respected guy. Multiple people I have spoken with, that don't even know each other, have told me they know his sources are legit based on information they know to be true. An SEC contact of his told him that the agreement between the SEC & Big 12 for the Champions Bowl requires the Big 12 to have a conference title game......and that isn't happening without 12 teams per NCAA rules.
Brian had tipped me off to this before & asked me to keep it quiet until he confirmed it through a 2nd source & he just tweeted it out this morning.