Transcript Highlights:

• The third project is the Absaroka Front Cheatgrass.
• Uh, BLM has stepped up to pay their share on most of this, but again, that's paying for chemical and
• Uh, BLM has stepped up to pay their share on most of this, but again, that's paying for chemical and
• Uh, BLM has stepped up to pay their share on most of this, but again, that's paying for chemical and
• Has stepped up to pay their share on most of this, but again, that's paying for chemical and airtime.

Keywords: 916, all

Transcript Highlights:

• Fair pay from the start doesn't just affect our paycheck today.
• Pay disparities can have lasting consequences.
• Fair pay from the start doesn't just affect our paycheck today.
• We all pay for it. It's not a victimless crime.
• It would simply ensure that applicants know the policy before they pay to apply.

Summary: The committee heard several bills focused on domestic violence protections, pay equity enforcement, Jewish demographic data collection, court transparency, auto glass insurance practices, pet policy disclosure for renters, and civil rights accountability for federal officers. SB 99 would require courts and law enforcement to better recognize military protective orders in domestic violence cases; supporters from the Department of Defense and military organizations said it would close jurisdictional gaps for military families, and the bill passed to Public Safety. SB 1237 would increase penalties for repeat noncompliance with California pay data reporting laws; supporters said stronger enforcement is needed to address persistent wage gaps, and the bill passed to Appropriations. SB 1387 would allow Jewish identity to be reported as an ethnic category in state demographic data; supporters said better data would improve policy and anti-discrimination efforts, while opponents argued the bill was unnecessary or divisive, and it passed to Privacy. SB 932 would require assignees filing civil actions to identify the original party in the case caption; supporters framed it as a transparency measure, and it passed to Judiciary/Appropriations on call. The committee also took up SB 98, which would regulate auto glass insurance claims by restricting assignment of benefits, requiring clearer estimates and invoices, and limiting inducements to consumers. The sponsor and NICB said the bill would curb fraud and unsafe repairs, while independent glass shops and industry groups argued it could reduce consumer choice and favor insurer-aligned networks; the bill passed to Appropriations. SB 1296 would require landlords to disclose pet policies before collecting application fees and provide refunds if nondisclosure materially affected an applicant’s decision; supporters said it would save renters time and money, while rental housing representatives objected to a provision limiting eviction based solely on failure to sign a pet addendum. The bill passed to Appropriations. Finally, SB 747, the No Kings Act, would create a California cause of action allowing people to sue federal officers for constitutional violations using standards similar to Section 1983. Senator Wiener and a witness who said he was unlawfully detained by Border Patrol argued the bill is needed because federal officers currently lack comparable accountability after the Supreme Court narrowed Bivens remedies. Law enforcement groups opposed the bill, warning that the qualified immunity language is unclear, could create a separate California standard, and might expose officers and governments to retroactive litigation; members discussed possible amendments on qualified immunity and retroactivity, and the bill was moved forward with an urgency amendment while negotiations continued.

Transcript Highlights:

• the services, whether they're paying the services, whether they're paying Kentucky<00:37:07.920>
• all have some postcards in front of you. all have some postcards in front of you. you<00:48:31.520
• Uh, what they collect is pay.
• >> So, they pay the 1% transient tax. >> So, they pay the 1% transient tax.
• >> what they collect is pay. Okay. >> what they collect is pay. Okay.

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:13 Kentucky Small Business Update 00:01:50 Kentucky Angel Investment Tax Credit Program Update 00:14:16 State of the Tourism Industry 00:38:03, 958, all

Summary: The meeting began with a quorum call and approval of the August minutes, then moved to an update from the Kentucky Chamber of Commerce on small business conditions. Chamber representatives John Hughes and Amit Patel said Kentucky has benefited from pro-growth policies such as lower income taxes, regulatory modernization, and workforce development, but they emphasized ongoing challenges including workforce shortages, child care access, housing availability, rising insurance costs, and inflation. Patel, speaking as a hotel operator, said recruiting and retaining staff has become difficult and that his company is considering child care stipends and other benefits to help employees. Members asked about child care benefits, community involvement, and health care costs; Patel said the business is discussing additional support for employees and noted that health care costs have tripled over three years. The chamber said it will prioritize child care and housing policy in the upcoming session. The committee then received an update from the Cabinet for Economic Development on the Kentucky Angel Investment Tax Credit program from David Brock of KY Innovation and Matt Wingate. Brock outlined the state’s broader innovation and entrepreneurship programs, including innovation hubs, SBIR/STTR matching funds, the Kentucky Enterprise Fund, SSBCI, and STEP, and said these programs have helped create jobs, raise capital, and support exports. He explained that the angel tax credit is intended to encourage private investment in innovative Kentucky small businesses with high growth potential. The credit is generally 25% of investment in non-enhanced counties and 40% in enhanced counties, with annual and per-investor caps and eligibility rules for both businesses and investors. Brock reported that 317 businesses have been certified, 117 have received at least one investment, 445 investors have made 750 investments, $57.2 million has been invested, $19 million in credits has been awarded, and 373 new jobs have been reported since 2021. Committee members asked about the relationship between the program’s industry verticals and university research, the difference between enhanced and non-enhanced counties, and where investments are occurring geographically. Cabinet staff said the verticals align with the original Innovation Act framework, and that enhanced counties are defined by statute, including distressed and disaster-impacted areas. They said most investments and credits have been in non-enhanced counties, though some examples were cited in Bath County and Auburn. No votes or formal actions were taken during the meeting beyond approval of the minutes.

Transcript Highlights:

• And you have been provided a copy in front of you.
• get in front of these things.
• It's based on ability to pay.
• Water's not paying $2 million; they're paying a small portion of that. But y'all do that, right?
• So on that front, that was a win.

Keywords: 997, house, all

Transcript Highlights:

• us to think long term about how we're going to solve this problem because this is a major issue in front
• pays.
• pays.
• by going into the private-pay industry, where somebody comes in and pays them privately.
• And they can actually pay off their loans and do okay financially. I have never chosen to do that.

Keywords: 919, house, all

Summary: House File 105 was presented by Representatives Beerman and Baker and then laid over for possible inclusion in a future omnibus bill. The bill would implement the remaining mental health and physician service recommendations from DHS’s rate study, including raising certain Medicaid reimbursement rates to at least 100% of Medicare where a Medicare equivalent exists, increasing community-based children’s and adult mental health rates and behavioral health home rates, and phasing in additional increases over three years. The authors said the proposal also addresses master’s-level clinician reimbursement and fee-for-service hospital inpatient mental health services, and they emphasized that the changes are intended to improve access, transparency, and provider stability. Both authors argued that low MA reimbursement rates are driving access problems across Minnesota, especially for children, families, and rural communities. They said providers are struggling to hire and retain staff, clinics are closing or shrinking, and patients are facing long waits, boarding in hospitals, or delayed care. Representative Baker said the issue is personal and described the bill as a phased, long-term approach because of state budget limits and the size of the cost, which he said is in the hundreds of millions but still awaiting a fiscal note. Public testimony was strongly supportive overall. A family physician said higher rates would improve access, keep clinics open, and help patients avoid emergency care, while a Children’s Minnesota mental health leader described more than 1,200 pediatric boarding episodes in 2024 and said outpatient investment is needed to reduce pressure on emergency and inpatient services. A rural provider said her organization had to close an in-home children’s mental health program because of insufficient reimbursement, harming access in underserved counties. A psychologist testifying for the Minnesota Psychological Association supported the bill’s general direction but objected to repealing the pay differential for doctoral-level psychologists, arguing that doctoral training is more extensive and that eliminating the differential could worsen workforce shortages. After testimony and member questions about the bill’s scope and cost, public testimony was closed and the bill was laid over.

Transcript Highlights:

• future and to wind up with jobs that pay future and to wind up with jobs that pay better<00:38:50.280
• legislature, in front of all of the most prominent leaders who run this state.
• In 2014, we were paying $150,000 for the superintendent of our public schools.
• Today, we're paying $240,000 for that same position.
• better we just went from paying better we just went from paying $410,000<01:05:12.599> per

Keywords: Order of the Day: PENDING, 912, senate, all

Transcript Highlights:

• Now our PASSEs pay for that under the managed care organization. They pay for that.
• It's more like a group home, and Medicaid can pay for that as well.
• Medicaid pays for that. There's 16-bed or less units.
• And we're still using state general revenue to pay for empty beds and to pay for uninsured individuals
• for empty beds and to pay for uninsured individuals.

Summary: The House Health Services Subcommittee met to approve the October 7, 2024 minutes and then shifted to a broad discussion of behavioral health policy, taking up work previously handled by a behavioral health working group. Representatives Wooldridge and Vaught described major gaps in Arkansas behavioral health care, emphasizing access problems, workforce shortages, rural service barriers, low reimbursement, and the need to move from a reactive crisis system to more proactive community-based care. Members discussed possible 2027-session priorities such as reducing red tape, improving provider licensing and supervision pathways, expanding billing codes and reimbursement structures, and considering interstate compacts and other workforce fixes. A major focus was the state’s crisis and forensic system, including long waits for competency evaluations, the backlog at the Arkansas State Hospital, and the use of county jails for people awaiting treatment. DHS Director Paula Stone explained that Medicaid pays for most behavioral health services, but cannot pay for services in jails or state hospitals because those individuals are treated as inmates of public institutions, leaving state general revenue to cover much of that cost. She outlined DHS efforts including secured restoration beds, therapeutic communities, community mental health center contracts for jail-based services, and plans for an institution-for-mental-disease waiver that could allow Medicaid payment for certain hospital-based services. Members also discussed crisis stabilization units, with DHS noting that Fort Smith and Jonesboro have been more successful than Fayetteville and Little Rock, largely because of location, partnerships, and law enforcement coordination. Questions covered reimbursement for county jails, step-down facilities, civil commitment options, non-emergency behavioral health transportation, and whether DHS should create a bed-availability dashboard similar to hospital systems. DHS said it does not currently have such a dashboard but is exploring the idea. The meeting ended with a commitment to continue the work, with more detailed discussion planned for August, and the subcommittee adjourned.

Transcript Highlights:

• He's paying market rent.
• They paying fair market value for his property that he can barely probably pay, so that's not fair to
• They paying fair market value for his property that he can barely probably pay, so that's not fair to
• They paying fair market value for his property that he can barely probably pay, so that's not fair to
• They paying fair market value for his property that he can barely probably pay, so that's not fair to

Keywords: 912, senate, all

Summary: The joint Ways and Means and Hawaiian Affairs committee heard a budget presentation from the Department of Hawaiian Home Lands on its biennium requests for critical projects, repairs and maintenance, and operations. DHHL described its role in administering the Hawaiian Home Lands Trust, noted the large beneficiary wait list, and said prior funding, including Act 279, has helped the department accelerate land development and reduce vacancies. Officials said they have about 47,219 applications involving 29,548 Native Hawaiians, roughly 28 projects underway, and that about $471 million of a $600 million appropriation has been encumbered, with the remaining lapse-fix funds expected to be resolved before the June 30, 2026 deadline. DHHL emphasized that its current request would support additional lot development and could help produce roughly 6,000 units from the existing project pipeline, with another phase of requests potentially adding about 2,000 more units. The department said it is prioritizing shovel-ready projects, accelerating lease awards and orientations, and using a mix of approaches including paper leases, rental-with-option-to-purchase, owner-builder, and loan programs. Officials also discussed a shift toward denser urban development, citing projects in West Oahu and Honolulu, and said the department is working to reduce its vacancy rate and move beneficiaries onto the land more quickly. Members questioned why Oahu, despite having the largest wait list, was receiving comparatively lower amounts, and DHHL responded that land availability and cost drive those decisions, with Oahu having limited developable land and very high acquisition costs. The department pointed to land acquisition on Kauai and other islands, and to urban high-rise projects that can yield far more units on small parcels. Members also raised long-term maintenance and wildfire risk, asking whether current acquisition and development choices account for future infrastructure costs; DHHL said maintenance is a growing concern, especially on large unused or isolated lands, and that it is pursuing Firewise planning, federal funds, and partnerships to reduce risk. The discussion also touched on mixed-use and community-led development, with DHHL explaining that it leases land to nonprofit homestead associations under general leases with milestones, business-plan requirements, and land-use restrictions to support local services and community goals.

Transcript Highlights:

• L&I, or the self-insured employer, pays for that. And talk about what those numbers mean.
• L&I, or the self-insured employer, pays for that. Paid for services.
• A lot of that happened up front where providers may have been denied entry into the network.
• It allows you not to pay workers' compensation taxes or unemployment insurance taxes.
• The non-compliant ones should be the ones paying the penalties. Thank you. Thank you.

Summary: The committee first received an update from the Attorney General’s office on a new workers’ rights unit and two request bills. The office said the unit will focus on wage theft and civil rights enforcement, using existing resources for a small staff. It also described a bill to expand civil investigative demand authority for labor, wage theft, prevailing wage, and discrimination investigations, and an Immigrant Worker Protection Act that would require employer notice when federal immigration authorities request employee records, limit access to nonpublic work areas without a warrant, and restrict disclosure of employee data without proper legal process. Senators asked about costs, funding sources, and the scope of the proposed authority, and the office said it would follow up with more detail. The committee then heard a detailed presentation on Washington’s workers’ compensation system from Labor and Industries, including how claims are filed, how the medical provider network works, and how treatment authorizations and utilization review are handled. L&I said the network was created to improve care quality and return workers to work, and explained that most routine care is automatically authorized while certain procedures require prior approval or review. A question from Senator Conway focused on the role of the medical director and the appeals process; L&I said decisions can be protested and reconsidered, with exceptions reviewed through a complex treatment unit and medical staff. An experience panel followed with testimony from labor representatives, physicians, and an injured-worker attorney, who argued that the medical provider network and treatment guidelines can delay or deny needed care, especially in complex cases such as PTSD, brain injuries, and serious orthopedic injuries. They described long appeals, utilization review barriers, provider shortages, and the impact on injured workers and families, while L&I’s presentation emphasized the system’s structure and review safeguards. The committee then heard a report from the Underground Economy Task Force in the construction industry. L&I summarized the task force’s findings on worker misclassification, unregistered contractors, and unpaid taxes and premiums, and outlined consensus and majority recommendations, including better interagency communication, stronger penalties for repeat offenders, more authority to address successorship, possible contractor notice requirements, and further study of cash payments. The Attorney General’s office, labor, and business representatives generally supported the report’s goals but differed on some recommendations, especially those affecting independent contractors, contractor liability, and administrative burdens. The chair and Senator Conway thanked participants and said the report would inform future legislation.

Transcript Highlights:

• If an entity doesn't plan on using any of the water, they don't pay for anything.
• Can you stand up here in front of us and try to come up with an answer, but I would like to know what
• What I'm going to tell you is that the money to pay the big-ticket cost is associated with the water
• And they've been paying for it, as Ms. McKee pointed out.
• You can see it in front of you. I can go ahead and read it. But you have a district may.

Bills: HB29, HB685, HB1633, HB1689, HB1690, HB1918, HB2010, HB2500, HB2608, HB2626, HB29

Keywords: water audit, water loss, water loss mitigation plan, municipally owned utility, municipal utility, water conservation, Texas Water Development Board, TCEQ, Texas Commission on Environmental Quality, water leakage, leak detection, billing data accuracy, utility validation, water audit validation, water scarcity, water management, infrastructure, public utility, conservation plan, administrative penalty

Transcript Highlights:

• Um, so here's our general pay schedule for DPA.
• Um, so here's our general pay schedule for DPA.
• <00:36:33.680> for example um an individual would pay for example um an individual would pay
• So I'd love to pay all of our lawyers 106,000.
• <00:46:55.680> equity different places without pay equity different places without pay equity

Keywords: 0:00:04 Call to Order 0:00:50 Dept for Public Advocacy 0:51:31 Life Learning Center 1:21:06 Adjournment, 958, all

Summary: The Budget Review Subcommittee on Justice and Judiciary heard testimony from the Department of Public Advocacy (DPA) on attorney compensation and alternatives to incarceration. Because the committee lacked a quorum, the chair skipped formal roll call and minutes approval, then invited DPA Public Advocate Damon Preston, Deputy Public Advocate Melanie Lowe, and alternative sentencing worker Cena/Tina Mills to present. Preston said DPA is fully state-funded, has 698 funded positions, and was near full staffing with 673 filled positions and 42 new law graduates expected to join in August. He argued that DPA’s resources lag behind those of prosecutors, noting that local prosecutorial offices receive substantially more total funding and have additional revenue sources beyond the state budget. Preston focused on salary disparities and turnover. He said DPA trial-office attorneys total about $26 million in salaries, compared with about $41.9 million for prosecutors on publicly listed state funding, and estimated that more than 100 additional prosecutors are paid through other sources, bringing total prosecutor compensation to a little over $50 million versus DPA’s $26 million. He said starting DPA attorney pay is $58,200, experienced attorney pay averages about $73,000, and that these levels are too low given law school debt and the state’s constitutional obligation to provide defense counsel. He also said DPA attorney turnover is about 20%, median service time before separation was 15 months in 2024, and exit interviews often cite salary as the main reason for leaving. He gave examples of former DPA attorneys moving to prosecutor offices for raises ranging from 12% to 50%. Committee members asked about how often defendants are represented by private counsel versus DPA and how that affects workload. Preston said a 2017 study found about 50% of misdemeanor cases and about 75% of circuit court cases were handled by DPA, with DPA handling most of the most labor-intensive cases. He said DPA will step aside when a defendant hires private counsel or is found ineligible, and he acknowledged the system historically erred by denying counsel in some cases, though he said the current concern is whether DPA is now appointed too broadly. Members requested updated trend data on appointments over the past decade. Preston also described DPA’s pay scale and said the agency’s compensation structure makes retention difficult. Mills then described DPA’s alternative sentencing worker program, which she said has operated for about 20 years and has received national recognition. She shared a case example involving a client named Patrick, who faced a prison sentence on a possession charge and was referred to a horse-based treatment and certification program in Shelbyville. She said the client wanted treatment and a fresh start, a bed became available, and she and the client’s attorney presented an alternative sentencing plan to the court. The presentation was interrupted briefly by a technical issue, but the testimony continued.

Transcript Highlights:

• Residents in those neighborhoods say the kids spend less time playing in the front yard.
• They get my front desk to answer the phone, and I can talk to my patients directly.
• No bill is ever perfect when you first bring it forward in front of committee.
• Patients pay for their health insurance, and part of what they're paying for is access to an accurate
• Thanks to the Medi-Cal expansion, I was able to stop paying out of pocket.

Summary: The Assembly Health Committee heard a long series of health-related bills, with most measures focused on access to care, administrative simplification, and behavioral health. Early items included AB 583, allowing nurse practitioners to sign death certificates; AB 492, requiring DHCS to notify local governments when new alcohol or drug recovery facilities are licensed; and AB 280, which would tighten provider directory accuracy requirements, add enforcement benchmarks, and allow use of a centralized database. Testimony on AB 280 highlighted the harms of “ghost networks,” while insurers and some provider groups opposed the bill as written, arguing it placed too much responsibility on plans and did not fully address provider-side data problems. AB 280 passed on a roll call vote, and several other bills were placed on consent and approved. The committee also advanced AB 636, expanding Medi-Cal coverage for medically necessary diapers for children up to age 21 and lowering the age threshold for access; AB 1041, streamlining physician credentialing with a uniform form and 90-day review deadline; and AB 787, requiring health plans to help enrollees find in-network providers quickly when directories fail. Supporters of these bills emphasized family financial strain, delays in care, and the burden of administrative red tape, while opponents of AB 1041 and AB 280 raised concerns about provider participation, accuracy, and liability. All three measures were approved and sent to Appropriations. The committee then took up AB 4 and AB 29. AB 4 would allow income-eligible Californians to buy Covered California coverage regardless of immigration status, and AB 29 would authorize Medi-Cal reimbursement for community health workers and doulas conducting ACE screenings. Both bills drew strong support from immigrant-rights, health access, and community-based organizations, and both passed on roll call votes, with AB 4 receiving some no votes. The committee also approved AB 416, which would allow emergency physicians to place 5150 holds in certain circumstances; supporters said it would reduce delays and overcrowding in emergency departments, while Disability Rights California and others warned it could increase unnecessary involuntary hospitalization and transfers to locked facilities. Despite those concerns, the bill passed and was sent onward for further consideration.

Transcript Highlights:

• <01:05:00.000> I list of testifiers in front of us. I list of testifiers in front of us.
• County yet we're being required to pay County yet we're being required to pay for<01:15:46.679><
• offer EV chargers would not pay the tax. offer EV chargers would not pay the tax.
• They pay it by the month.
• front of us until uh June 2nd when u Mr. front of us until uh June 2nd when u Mr.

Keywords: 1187, senate, all

Transcript Highlights:

• ICE does not pay their time.
• if they're not paying now?
• Thank you. their ability to pay changes. The their ability to pay changes.
• paying back that how would that work? paying back that five<02:10:55.199> million.
• for not paying your fine.

Keywords: 1189, house, all

Transcript Highlights:

• pay, they don't want it.
• it in front of me. It doesn't matter. it in front of me. It doesn't matter.
• is paying $4,300. is paying $4,300.
• they were paying $4,300 a month. they were paying $4,300 a month.
• I<04:06:39.840> was<04:06:40.000> paying I was paying I was paying $7,400<04:06:42.960>

Keywords: 1187, senate, all

Transcript Highlights:

• You pay 25%, and the federal government pays 75%.
• > patients, When combined with self-pay patients, When combined with self-pay patients, more<01
• now the only debt that the hospital pays now the only debt that the hospital pays is<01:20:39.160
• And when they come in, they cannot pay And when they come in, they cannot pay for<01:35:07.320><
• <01:45:43.840> rate million loss in directed pay rate million loss in directed pay rate because

Keywords: 1187, senate, all

Transcript Highlights:

• So that that's c front of mind in in it.
• pay for crack sealing and seal coating. pay for crack sealing and seal coating.
• <01:04:58.559> of and counties sitting up at the front of and counties sitting up at the front
• Uh we did information in front of you.
• That was something that was front of me.

Keywords: 1183, house

Transcript Highlights:

• You should have in front of you a packet that looks like this.
• If Adrian's not paying attention, make sure that we schedule that. Will do.
• The departments pay that money to the General Services Department.
• Chair, moving on to—pay, dope, sorry, Senator Woods.
• Quantum is an industry that may help pay for it.

Keywords: 996, all

Transcript Highlights:

• teacher pay raise.
• From teacher pay raises?
• pay $30,000.
• , that our neighbors pay, that our friends pay, that our family pays, that will be given not only to
• We all pay for that.

Bills: SB2, HB2, HB2000, HB2196, HB213, HB222, HB645, HB1458, HB 1022, HB141, HB502, HB643, HB3093, HB1700, HB 117, SB503, SB2, HB 120, HB20, HB150, HB6, HB 100, HB210, HB215, HB1393, HB 1151, HB 1268, HB142, HB451, HB 124, HB2, HB2000, HB2196, HB213, HB222, HB645, HB1458, HB 1022, HB141, HB502, HB643, HB3093, HB1700, HB 117

Keywords: public education, teacher compensation, certification, funding, school finance, educator rights, education funding, charter schools, staff compensation, state aid, retention allotment, child grooming, sex offender registration, criminal justice, reportable conviction, law enforcement, virtual education, hybrid learning, school funding, average daily attendance

Transcript Highlights:

• My name is Elise Hicks and I serve as senior manager of public policy at Daily Pay.
• I'm here today in support and support. access their pay when they need it.
• They don't have to pay for rent for the user's phone. You know, we have to pay the store.
• The two- and four-week pay cycle is a 150-year-old relic of the past.
• The two and four-week pay cycle is a 150-year-old relic of the past.

Keywords: 995, all

Summary: The committee heard testimony on several financial services bills, with the main focus on cryptocurrency kiosk regulation, financial literacy, and earned wage access. Legislators and witnesses described widespread crypto-related scams targeting older adults, often involving impersonation, urgency, spoofed phone numbers, and rapid transfers through kiosks that are difficult to trace or recover. Supporters of the kiosk bills said Massachusetts needs licensing, registration, transaction limits, warning notices, receipts, refund protections, and other safeguards; some also urged a “pause” or hold on transactions to give victims time to reconsider and allow law enforcement to intervene. The Attorney General’s office, AARP, local law enforcement, and several prosecutors and sheriffs backed the consumer-protection approach, while Bitcoin Depot supported a narrower regulatory framework but opposed low fee caps and strict daily limits, arguing they would function like a ban and reduce legitimate use. Witnesses from Waltham police, Middlesex and Essex County law enforcement, and the AG’s office said crypto scams are growing quickly, losses are often unrecoverable once funds move, and current tools are limited. They described cases involving elderly victims losing thousands of dollars, and said warnings alone are not enough because scammers keep victims on the phone and guide them through the process. Some witnesses said a temporary hold or refund mechanism has worked in at least one case, while others emphasized that transaction limits and visible disclosures could reduce harm even if they do not stop fraud entirely. The AG’s office also said it would submit written opposition to separate earned wage advance legislation, while DailyPay testified in support of that bill, saying earned wage access helps workers bridge short-term gaps without debt or credit reporting. The committee also heard support for mandatory financial literacy education from Representative Jim Hawkins, who said high school students need instruction on credit, debt, and inflation before they enter adulthood. In addition, the committee took testimony on litigation financing bills from insurance industry representatives, who argued for disclosure and regulation of predatory litigation lending and warned about foreign interference and reduced plaintiff recoveries. No votes or final actions were taken during the hearing; members asked questions throughout, and the chair noted the need to move testimony along because of time constraints.