Transcript Highlights:

• First of all, security and accessibility.
• Convenience should not come at the expense of security.
• secure. So with that, Mr. secure. So with that, Mr.
• The record that you did vote is a matter of public record, but how you voted is completely secure.
• >> still had to give the social security >> still had to give the social security number

Keywords: Discussion of HR 7 00:05:00, 958, all

Summary: The committee met, established a quorum, and opened with the pledge and prayer. Members then made several brief introductions of interns and guests from the University of Kentucky and the University of Louisville. The chair also reminded members about microphone use, cell phones, and the 24-hour rule for committee amendments and substitutes. The sole substantive item was House Resolution 7, sponsored by Representative Hodgson, which set out guiding principles for Kentucky elections. Hodgson described principles including fair and secure elections, accessibility balanced with security, citizen-only voting, stability and uniformity in election procedures, prompt and accurate results, transparency, accountability, and preservation of state control over elections. Members generally supported the resolution; Representative Marzian asked whether Kentucky already follows these principles and raised the issue of low poll-worker pay, while Representative Hancock asked about protecting voter registration data and privacy. Hodgson responded that transparency applies to the process, not personal information, and that Kentucky protects ballot secrecy and voter data. Representative Chester Burton also asked about election security, and Hodgson said Kentucky’s system relies on bipartisan poll workers and mutual oversight at polling places. Representative Marzian asked whether Social Security numbers are still required for voter registration, and members indicated they are, with a follow-up promised to the committee. The committee then voted 15-0 to pass the resolution with favorable expression. Before adjournment, Hodgson encouraged additional co-sponsors, and the chair noted the committee would likely meet again the following Thursday.

Transcript Highlights:

• The public record aspect of the bill poses significant privacy and data security risks.
• However, both protect data security, requiring that information be housed in a private, secure database
• However, both of them protect data security, requiring that information be housed in a private, secure
• amending TG-501 to strike the public record aspect of the bill and insert data privacy and security
• guardrails to ensure that the DOI reports are housed in a secure database accessible only to government

Keywords: 995, all

Summary: The committee met to hear testimony on House Bill 501, an economic development-related bill concerning beneficial ownership disclosure for domestic and foreign LLCs operating in the Commonwealth. Chair Fiola noted the hearing’s delayed start, introduced members present, and limited testimony to four minutes. The main witness, Alan Stekora of the National Public Records Research Association, testified in opposition to the bill’s public-record provisions, arguing that making beneficial owners’ personal information public would create privacy, identity theft, and cybersecurity risks. He said similar federal and state transparency laws keep such information in secure, nonpublic databases and urged amendments to remove public disclosure and clarify ambiguous terms and reporting requirements. A second witness, Pia Angelicus, attempted to testify remotely but had connection problems and was asked to submit written testimony instead. No other witnesses came forward. After confirming there was no further testimony, the committee adjourned without taking any vote or other action on the bill.

Transcript Highlights:

• It requires that the material focus on information and resources regarding secure storage, written in
• Finally, AB 1943 requires the Department of Education to include secure firearm storage notifications
• Schools can be a key factor in the solution of spreading life-saving information about secure firearm
• And it will encourage schools to provide secure firearm storage information in key moments, like when
• For this reason, the way we communicate about secure storage matters.

Summary: The Assembly Education Committee met without a quorum at first and began as a subcommittee, with the chair outlining hearing procedures and several bills on consent. The committee heard and advanced AB 1581, which would improve collection of tribal affiliation data for California students so Native students are more accurately counted and better served; supporters said current systems undercount Native students and erase their needs. AB 1586 also passed, requiring school resource officers who volunteer to carry naloxone to receive opioid overdose response training every two years; supporters emphasized student safety and the need for rapid response to overdoses on campus, while one school employees’ group raised concerns about retaliation protections for non-volunteers. Both bills were moved do pass as amended to Appropriations, with roll calls held open for absent votes. The committee then approved AB 1943, which updates school notices about secure firearm storage by making the information clearer, more visible, and more likely to reach families at key moments such as counseling or discipline interventions. Supporters from gun violence prevention groups, educators, and parents argued that many school shooters obtain guns from home and that plain-language, digital, and timely notices could help prevent child deaths and suicides; the author shared a personal story about a child accessing a gun at home. AB 1792 also advanced, directing the Instructional Quality Commission to consider updating health education to address digital safety issues such as deepfakes, extortion, grooming, and AI-generated exploitation; supporters said students need instruction that reflects modern online risks, while an opponent objected to language referencing LGBTQIA+ and gender-diverse students. AB 1653 passed as well, adding heat-illness guidance to the health framework after a young Girl Scout described students suffering during extreme heat and not recognizing symptoms. Later, the committee approved AB 1861, which would require the California Department of Education to create a public database of special education investigation reports with personal information redacted; supporters said families need better access to complaint outcomes and accountability, while an opposition witness warned of unintended consequences, misuse of incomplete information, and added burdens on districts. AB 1721 also moved forward, creating a stakeholder work group to review and streamline school safety plan requirements so plans remain practical and focused on emergency preparedness. AB 1631, which would make kindergarten mandatory, received mixed testimony: supporters argued it would help close achievement gaps and improve readiness, while opponents framed it as an intrusion on parental choice; the bill was held on call after a split vote. Finally, AB 1809, extending job order contracting authority for school and community college districts, was also held on call after opposition from contractors who argued project labor agreement requirements raise costs and reduce competition. The committee then began hearing AB 1659, aimed at improving transitions for court school students back to their home districts, with testimony describing re-enrollment barriers and the need for a designated district contact.

Transcript Highlights:

• Certainly security was part of that, making sure that the security required... to cloud assessment back
• Certainly security was part of that, making sure that the security required Certainly, security was part
• The security around this, are we using CrowdStrike?
• We have offerings for digital service to help secure systems and infrastructure.
• Do you have your own secure private network? How is it that that happens? Sorry. Mr.

Summary: The subcommittee first heard a panel on state cloud modernization efforts after canceling an LBR on the Department of Corrections’ OBIS project because the presentation materials were not submitted on time. Florida Digital Service, the Northwest Regional Data Center, and several agencies described how the state is assessing and migrating applications to cloud environments under the cloud-first policy. Northwest explained its 2023 cloud readiness assessment of 890 applications from 24 agencies, the criteria used to rate readiness and risk, and its recommendation to tackle lower-risk applications first. Agency updates covered the Department of Corrections’ modernization of 98 legacy applications tied to OBIS and cloud-native infrastructure, the Department of Elder Affairs’ Microsoft Power Platform modernization, the Department of Health’s health management and child protection systems, and FDOT’s large cloud program for transportation systems. Members repeatedly asked about costs, data ownership, disaster recovery, single sign-on, security tools, and whether cloud migration actually saves money; presenters generally said the focus is more on modernization, resilience, and efficiency than immediate savings, and that cost analyses are often application-specific rather than enterprise-wide. The discussion also covered governance and architecture questions. Florida Digital Service said agencies remain responsible for their own databases and cloud tenants, while FLDS provides advice and an enterprise architecture framework; it does not have statutory oversight over most projects, except for OBIS project oversight due to its size. Northwest said it is acting as a cloud broker for some agencies and is consolidating Azure and AWS payer tenants to seek better pricing, but agencies still make system-by-system decisions based on business needs, risk, latency, and total cost of ownership. Members raised concerns about fragmented data structures, the lack of a complete statewide application inventory, and the need for better interoperability and enterprise standards. Several agencies said disaster recovery is built into their cloud plans, and FDOT and Corrections described ongoing efforts to keep systems current through core platforms, training, and ongoing support. In the second half of the meeting, the Department of State presented two new technology requests. Secretary Byrd described the SunBiz corporate registry system as a 34-year-old platform supporting more than 3.5 million business entities and generating over $575 million in annual general revenue. He said the department had already virtualized the legacy hardware after earlier modernization efforts failed and is now seeking $800,000 recurring for password protection and $5 million nonrecurring to continue procurement for a replacement system. The department also presented the Florida Voter Registration System modernization request, noting that the current system is outdated and requires manual workarounds for some statutory changes. The department requested $2.4948 million nonrecurring and $44,000 recurring to procure a modernized FVRS solution, and staff said the feasibility study recommended a hybrid approach. Members asked about the study’s findings and about creating a database for voter eligibility information for returning citizens; the department said that would require data sharing with all 67 clerks of court and other entities such as DOC.

Transcript Highlights:

• For instance, the Social Security Administration OIG estimated over $7 billion in supplemental security
• Social Security fraud recently, we know that Social Security has been a remarkably effective program
• trillions of dollars of checks consistently, securely, and on time.
• So yeah, the international security data is a little bit different.
• The fact of the matter is, this is more secure than any HIPAA database out there.

Keywords: artificial intelligence, waste reduction, fraud prevention, government efficiency, improper payments, data reliability, oversight

Summary: The meeting was chaired by Chairman Schweikert and involved a comprehensive discussion on how to utilize artificial intelligence (AI) for reducing waste, fraud, and improper payments within federal programs. Key witnesses, including Mr. Andrew Canarsa from the Council of the Inspectors General, provided insights on the potential of AI in enhancing government efficiency. The committee emphasized the importance of reliable data and thorough examination of AI application to avoid unintended consequences while addressing the estimated $162 billion in improper payments reported by the federal government. Concerns were raised regarding the recent firing of inspectors general and the impacts that could have on oversight and accountability processes.

Transcript Highlights:

• Troopers and house security ties.
• This capital complex security upgrades.
• . security. security.
• Summer security events pushed this request to be number one for us.
• Examples of improvements are security kiosks, additional security cameras, enhanced lighting and parking

Keywords: 1183, house

Transcript Highlights:

• To implement security technology to protect their assets and ensure employee safety, the monitored security
• The security technology has secured businesses here in New Mexico since 1998.
• These may be permitted like any other security alarm system.
• It's green security technology, completely off the grid.
• And prevention security solutions.

Transcript Highlights:

• While most security division employees are fantastic, some FBI leaders still remain within the security
• See how removing a security clearance is a tool to retaliate and rule.
• They're security clearance back. President Trump, I hope you hear that.
• And we're about to head to the Munich Security Conference where we are seeing Mr.
• Around the world, our security depends on trust and reliability, and the national security role of the

Bills: SB331

Keywords: fentanyl, controlled substances, drug trafficking, public health, research regulations, law enforcement, Kash Patel, FBI director nomination, S331, Fentanyl Act, committee meeting, legislative discussion

Summary: In this committee meeting, the primary focus was on the nomination of Kash Patel for the position of director of the FBI, which had sparked considerable debate over the past week. Members discussed the extensive vetting process Patel underwent, including a lengthy hearing where he addressed numerous questions, which emphasized his qualifications and the support he received from various law enforcement organizations. The meeting included significant arguments from both sides, reflecting the polarized nature of the nomination, especially regarding the allegations made against Patel by some committee members. As discussions continued, the committee decided to hold off on the Fentanyl Act, listed as S331, until the next meeting, indicating a prioritization of the nomination vote over new legislative measures at this time.

Transcript Highlights:

• you know, safe and secure. you know, safe and secure.
• <00:30:54.880> security?
• issue a secure security? issue a secure security?
• So, um, we issue uh a security. Um the security itself um is um uh a share of a treasury fund.
• <01:40:32.840> And security checks. So, it's software. And security checks.

Keywords: 1189, house, all

Summary: The meeting opened with roll call, confirmation of a quorum, and approval of the April 6 and May 4 minutes, with minor corrections noted to the May minutes. The main presentation came from JD of Link Network, introduced by Dan Cohen, who described Link’s work with crypto.com and other market participants on tokenized money market funds and real-time settlement for institutional clients. JD gave a detailed history of his earlier work developing the Arca U.S. Treasury Fund and ArCoin, emphasizing that the project was built within existing SEC and 1940 Act frameworks and was intended to use blockchain technology for a traditional asset rather than create a crypto product. He said the effort involved years of discussions with the SEC, multiple custodians, and partners such as U.S. Bank, T-Zero Securities, and Tassat, and that the model eventually led to Link’s settlement system. He highlighted concerns that shaped the design, including regulatory compliance, privacy for institutional users, and the need to bridge traditional banking hours with 24/7 digital asset markets. The presentation also described Link’s features, including segregated and bankruptcy-remote fund structures, tokenized deposit and treasury fund settlement, and “yield in transit,” which allows interest to accrue and be distributed daily down to a two-second block. JD said the platform is being expanded for use cases such as exchange liquidity, cross-border capital movement, off-exchange collateral, stablecoin bridging, treasury management, and peer-to-peer settlement. He closed by posing policy questions for the commission about the use cases for stablecoins versus tokenized money market funds in New Hampshire and whether the state could issue or administer a security-based program with appropriate compliance controls.

Transcript Highlights:

• <00:08:29.440> fields a variety of safety and security fields a variety of safety and security
• have read about the cyber security have read about the cyber security clinic<01:03:32.079> we
• 460,000 unfilled cyber security roles. 460,000 unfilled cyber security roles. 5700<01:04:31.760>
• <01:04:38.960> is Labor Statistics, cyber security is Labor Statistics, cyber security is
• applied doctorate in cyber security. applied doctorate in cyber security.

Keywords: 1187, senate, all

Transcript Highlights:

• This ensures that Texas can take proactive steps to address border security challenges without delays
• I am Celine Rodriguez, campaign director for TPPF Secure and Sovereign Texas Initiative, testifying in
• A well-resourced and organized border security apparatus serves all Americans and that is why we support
• Um, Last session, we passed SB 1403, which established the Interstate Compact on Border Security.
• We started investing in border security, specific border security investments back in 2007 and have been

Bills: HB176, HB180

Keywords: tax, ad valorem, voter-approval, local government finance, property tax, repeal, tax rates, school finance, tax reduction, compressed tax rate, education, funding

Transcript Highlights:

• Second one is the security aspect of it. So that's one. Second one is the security aspect of it.
• That's the Department of Homeland Security mission.
• That mission was a request from Homeland Security to all...
• Department of Homeland Security mission.
• or other sources of funding secured.

Summary: The Joint Committee on Veterans and Military Affairs met to hear updates from Joint Base Lewis-McChord, the Washington Military Department, the Washington Department of Veterans Affairs, and the Department of Commerce on federal and state impacts affecting veterans, military families, and military installations. JBLM’s garrison commander said the base remains focused on housing, child care, and spouse employment, but is facing workforce reductions tied to federal personnel actions, especially in air traffic control, 911 dispatch, and firefighting. He also said JBLM is preparing for increased mutual-aid needs during fire season, and that the Army Transformation Initiative could change unit composition at JBLM over time without a major overall population shift. He confirmed that the Lewis Army Museum is on a closure list, but said the building will remain in use for training and that the base is exploring partnerships to keep museum functions operating, possibly with volunteers or local partners. The Washington Military Department reported about 400 Guard members deployed on federal missions and described ongoing state missions in cybersecurity and firefighting. The department said the Army National Guard’s 81st Stryker Brigade will transition to a mobile combat team, with associated changes in equipment, manning, and end strength. It also warned that continuing resolutions are delaying funding, limiting new military construction starts, and increasing costs. The Washington Department of Veterans Affairs outlined a $3.2 million reduction from the governor’s budget and related cuts affecting internships, vacant positions, outreach travel, claims support contracts, counseling and wellness, veterans’ innovation assistance, and the military transition and readiness council staff position. WDVA said it is ending or scaling back several programs, including in-house nursing assistant training, the veteran farm at Ordean, Vet Corps due to AmeriCorps funding changes, and the tobacco cessation program, while noting that the legislature funded about $23.7 million in capital projects for veteran homes, cemeteries, and transitional housing. The Department of Commerce presented on the Defense Community Compatibility Account, which funds projects that reduce conflicts between military installations and nearby communities. The program currently has 10 projects across five legislative districts, including school and child care improvements, water wells, land acquisition, and a joint firefighting training center in Everett. The presenter said the main challenge is that DCCA projects often need non-state funding secured before they can compete, which can make it hard to leverage federal Defense Community Infrastructure Program dollars; he recommended more flexible state timing to help projects qualify for federal funding. In closing discussion, members raised possible future agenda items including child care near bases, veteran homelessness, suicide prevention, Navy Day, military family housing, and a possible Department of Licensing issue involving guard and reserve designations on driver’s licenses. No formal votes were taken, and the meeting adjourned after members were invited to suggest topics for the October and December committee meetings.

Transcript Highlights:

• food and water security.
• While food security is a cornerstone of human development, economic development, and national security
• of consumers and the economic security of farmers.
• Elphin Biden in terms of food security as well, right?
• Like, it's a national security issue, but it's national security for every nation.

Summary: The Select Committee on Alternative Protein Innovation held its first informational hearing to examine the state of alternative protein research, industry growth, and policy needs in California. The chair opened by noting California’s $5 million public investment in UC research in 2022 and framed the hearing around three panels: the climate, environmental, and security potential of alternative proteins; industry scaling and commercialization; and university-led research and workforce development. Members emphasized that the committee will continue with site visits and additional hearings across the state. The first panel focused on the case for alternative proteins as a climate, land, water, biodiversity, and food-security solution. Shana Fertig of the Good Food Institute argued that plant-based, fermentation-derived, and cultivated proteins can reduce greenhouse gas emissions, land use, and water use while helping California meet its climate and conservation goals. Zane Swanson of CSIS added that alternative proteins could reduce risks tied to zoonotic disease, antimicrobial resistance, supply-chain disruption, and broader national security concerns. In questions, members discussed the role of pharmaceuticals in animal agriculture and how alternative proteins might complement, rather than replace, traditional farming by creating new markets for California crops and helping farmers diversify. The second panel featured industry leaders Ethan Brown of Beyond Meat, Myra Passick of Upside Foods, and Arye Elfenbein of Wildtype. Brown highlighted plant-based meat’s health and climate benefits, criticized misinformation campaigns against the sector, and urged better labeling, reduced subsidies for factory farming, and more plant-based food in public institutions. Passick described cultivated meat as a scalable food-production technology, said Upside Foods has already produced millions of pounds annually at its Emeryville facility, and asked for grants, low-interest loans, and possible participation in cap-and-trade or similar revenue programs. Elfenbein described cultivated seafood as a way to address overfishing, contamination, traceability problems, and the heavy import dependence of the U.S. seafood supply, while also noting conservation benefits and the need for California to remain a hub for the industry. The final panel centered on research and workforce development. UCLA’s Amy Rowat described state-funded work on technical bottlenecks such as growing fat cells and creating edible scaffolds, along with a Future Food Fellows program that trains students across science, engineering, law, and policy. UC Santa Cruz economist Galina Hale argued that alternative proteins are necessary to meet future protein demand while reducing food-system emissions, and said California must support the sector through grants, loans, procurement, and research centers to avoid losing leadership to other states and countries. The hearing ended with the chair thanking the witnesses, noting that all materials would be posted online, and saying the committee would continue building policy and budget proposals to support the sector.

Transcript Highlights:

• Will they halt Social Security payments that seniors count on next?
• And even threaten U.S. national security.
• Our security is also supported by our fortunate geostrategic position.
• Our economic strength is also a key cause of our security.
• The safety and financial security of American people.

Keywords: fiscal responsibility, government waste, foreign aid, funding resolution, legislative oversight

Summary: The committee meeting addressed government spending and foreign aid, with a particular emphasis on perceived wasteful expenditures. A significant portion of the meeting was dedicated to discussing a funding resolution for the committee, which received unanimous support from the members present. The chair noted a quorum at the beginning of the meeting, signaling that the committee was ready to conduct its business. Discussions highlighted ongoing debates concerning fiscal responsibility and the necessity of legislative oversight, notably regarding foreign aid allocations and their implications for domestic fiscal health.

Transcript Highlights:

• It's called the Secure Data Act.
• Security helps drive the business value, providing secure solutions to the business, and ultimately the
• Security helps drive the business value, providing secure solutions to the business, and ultimately the
• Is it secure? Making sure that we're delivering secure solutions.
• Is it secure?

Summary: The committee held its first meeting on artificial intelligence and data centers, establishing its purpose as a study and policy-development body rather than one aimed at producing many bills. Majority Leader Hogue urged members to move quickly, focus on federal and other states’ AI laws, consider possible federal preemption, child protections, and the siting and economic impacts of data centers. Committee leadership echoed that the goal is practical, balanced governance that protects North Dakota while allowing innovation to continue. Legislative Council staff provided a background memo and NCSL presented a detailed overview of AI concepts and the current state legislative landscape. The presentations distinguished narrow AI, generative AI, agentic AI, and theoretical AGI/ASI, and summarized major state policy themes: comprehensive AI laws in states such as Utah, Colorado, Texas, California, and Illinois; targeted laws on deepfakes, chatbots, health, education, notifications, and digital likeness; and growing use of appropriations and agency inventories. Members asked about Colorado’s repeal and reenactment, Texas’s sandbox and training provisions, oversight structures, and whether AI regulation is bipartisan; presenters said most issues cut across party lines, with broad agreement on child safety and deepfakes but more division on broader regulatory approaches. The federal update focused on executive orders, preemption, and congressional activity. NCSL described a White House framework favoring a single federal standard, a DOJ litigation task force, Commerce Department review of state laws, and possible funding conditions tied to state AI policy, though no formal state-law challenge had yet occurred. The presentation also covered a recent executive order creating a voluntary federal vetting process for advanced frontier models after safety concerns, and congressional proposals including a failed 10-year state moratorium, Senator Blackburn’s child-safety bills, the Kids Online Safety Act, a House-passed children’s digital safety package, a Senate data center moratorium proposal, and a House ratepayer/data-center bill. The committee took no formal action beyond receiving testimony and asking questions.

Transcript Highlights:

• Speaker, I yield back. transparency, and national security. In transparency, and national security.
• Congressional Border Security Caucus. Congressional Border Security Caucus.
• <07:52:39.200> Zero, National security experience. Zero national security experience.
• security versus constitutional rights. security versus constitutional rights.
• first. national security first.

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, June 10, 2026, 1012, house, all

Transcript Highlights:

• He's in a facility, but it's not secure.
• He's in a facility, but it's not secure.
• So it will be at the state hospital in a secure facility.
• This will be a secured facility where they will be housed under our state care. Madam Whip.
• This will be a secured facility where they will be housed under our mistake care. Madam one.

Keywords: 1182, all

Summary: The caucus briefly reviewed House Bill 2307, which addresses the placement and treatment of dangerous, incompetent defendants when no secure mental health beds are available in Arizona. Staff explained the Senate amendments would allow one such defendant to be housed temporarily at the Arizona State Hospital in a secure setting, require DHS to study the cost of building or converting a secure facility on ASH grounds, create a study committee on long-term secure mental health facility options, and include an emergency clause. The sponsor said the bill is intended as a temporary fix while the state works toward a permanent secure facility, and noted the individual would receive mental health treatment aimed at restoring competency to stand trial. Members asked about where the person would be housed, whether treatment would be provided, and whether out-of-state compacts might be used if needed. The group then discussed House Bill 272, which as passed the House would have created an optional state certification program for lactation care providers and a related advisory committee under the Arizona Department of Health Services. Staff reported that the Senate adopted a strike-everything amendment turning the bill into an emergency measure repealing Dr. Cesar Estrada Chavez Day. The sponsor, Representative Fink, was reported to concur with the Senate amendments. No votes were taken during the caucus discussion.

Transcript Highlights:

• Notice is about secure firearm storage and relevant firearm laws.
• So I get a 20-year-old security forces there.
• So I have a security forces member, 20 years old, at Kirtland Air Force Base.
• , vendors who provide, you know, CCTV or some of these security features.
• It's not in the building for security.

Bills: SB4, SB7, SB9, SB17

Keywords: Medicaid, healthcare, medical education, salaries, graduate education, clinician pay, health sciences, education funding, faculty salary, University of New Mexico, healthcare funding, general fund, state budget, New Mexico legislation, gun control, firearm safety, dealer regulation, illegal trade, background checks, 996

Transcript Highlights:

• purchases, and possessions of firearm, creating criminal offense referred to the Committee on Homeland Security
• prohibiting the transfer of firearms to certain recipients referred to the Committee on Homeland Security
• Referred to the Committee on Homeland Security, Public Safety and Veterans Affairs for 397 Lilani.
• Been referred to the Committee on Homeland Security, Public Safety and Veterans Affairs, HB 444 by Moody
• HB 462 by gain relating to the armed security officers required to be present in public schools and the

Transcript Highlights:

• This is the last four of your Social Security number.
• And BSA for First Security Bank.
• Karen Tierney with Arkansas Security Department.
• Karen Tierney with Arkansas Security Department.
• department department and state securities department Karen Tierney with Arkansas Security Department

Keywords: 1204, all

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, the Attorney General’s office, the state bank and securities commissioner, the insurance department, AARP, and mortgage industry representatives. Witnesses described fraud as increasingly organized, technology-driven, and often transnational, with common schemes including spoofed bank calls and texts, fake websites and social media impersonations, business email compromise, gift card and wire scams, crypto kiosk fraud, check fraud, and mortgage/real estate fraud. Several witnesses emphasized that seniors are disproportionately targeted and that losses are often underreported because victims feel embarrassed or do not know where to report incidents. Testimony highlighted both state and national responses. Bankers and regulators pointed to Arkansas’s 2025 actions on crypto ATMs and elder-fraud education, including training for gift-card sellers and safe-harbor protections for banks under the Safe AR Act. The Attorney General’s Consumer Protection Division described its complaint process, a new financial fraud task force, and examples of recovered funds, including quick recoveries from Bitcoin kiosk scams and wire fraud cases. The American Bankers Association and others urged stronger accountability for telecoms and social media platforms, citing spoofed caller ID, impersonation ads, Section 230 issues, and the need for a national scam-prevention strategy or federal office. Artificial intelligence was identified as a major emerging risk because it can generate convincing scam emails, websites, and impersonation content at scale. Members asked about reporting procedures, whether banks reimburse fraud losses, how crypto affects recoverability, the safety of tap-to-pay versus chip use, and whether public online records contribute to fraud. Witnesses generally advised victims to report scams through the proper channels, avoid clicking links or responding to suspicious messages, and verify requests independently by contacting institutions directly. The committee also heard that banks and regulators are already sharing information and educating consumers, but that more legislative and cross-agency action may be needed. No formal vote or bill action was taken beyond approval of the November 3, 2025 minutes.