Transcript Highlights:

• I will say a banking consultant who has a history in the lending side bank stop the deposit size of banks
• Every bank sets its rate according to its market. And there are 170 banks and the state of Florida.
• to bank to bank. >> You know, we're we've offered that floor, by the way we put in there because the
• It depends bank the bank.
• , people who bank with community banks, when we tie these rates to lending when we tie the rates for

Keywords: 999, senate, all

Transcript Highlights:

• Mary's Bank, founded in 1909.
• example, the larger the bank banks, for example, the larger the bank or<00:08:43.760> if<00:08
• other banks.
• She's the bank. A bank overseas the bank. Okay. She's not a bank. She's not a bank.
• regulator the banker's bank. So my regulator the banker's bank.

Keywords: 928, house, all

Summary: The committee held a public hearing on Senate Bill 25, which would allow New Hampshire state-chartered credit unions to choose, by member vote, to compensate their board members. Prime sponsor Senator Dan Innis said the bill is enabling only, does not require compensation, and is intended to align New Hampshire with other states that already permit this. He argued that credit union board service now requires more time and expertise, and that compensation could help attract stronger candidates and improve governance. Representatives from the Cooperative Credit Union Association and St. Mary’s Bank testified in support. They said the change would not create salaries, but could cover modest compensation or reimbursements such as daycare, education, cybersecurity, or accounting training. They emphasized that credit unions remain nonprofit and member-driven, that board members must be credit union members and elected by members, and that any compensation decision would be made by the membership at an annual meeting or through the credit union’s voting process. Witnesses also said the bill would help with recruitment and retention, especially as credit union operations have become more complex and digital, and noted that similar authority exists in 16 other states, including Rhode Island. Committee members asked about the historical reason credit unions were excluded, the amount and structure of compensation, whether there would be a cap, and how voting would work. Witnesses said the bill does not set a statutory maximum, but in practice the amount would be disclosed to members and set through the vote; they also described St. Mary’s Bank’s ballot process and said proxy or ballot procedures depend on each credit union’s bylaws. One witness noted that federally chartered credit unions are subject to different limits. After testimony and questions, the chair closed the public hearing on Senate Bill 25 and then moved on to Senate Bill 26.

Transcript Highlights:

• As of the report date, the bank reversed charges of $1,878, resulting in a loss of $262.
• So the bank recovered $1.5 million, leaving the $204,000, or I guess that—but it doesn't even...
• waiting until they do their bank reconciliation to look at those things, since this has been such a
• waiting until they do their bank reconciliation to look at those things, since this has been such a
• Just waiting until they do their bank reconciliation to look at those things, since this has been such

Summary: The Legislative Audit Education Institution Subcommittee met to adopt the previous minutes and review 57 education audit reports, 52 of which had no findings and were filed as reviewed. The committee heard several findings involving school district spending and internal control issues, including Camden-Fairview’s use of operating funds for an employee awards banquet and unauthorized credit card charges, Forest City’s use of operating funds for an end-of-year celebration and entertainment event, Nettleton’s fraudulent vendor payment scheme involving $1.9 million in attempted transfers, Cedar Ridge’s misallocation of Title I funds and payroll/bank reconciliation errors, and Green County Technical’s diverted vendor check that was recovered. Three of the reports had been referred to the prosecuting attorney and attorney general. Members asked questions about whether district officials were present, how the questionable expenditures were broken down, and whether school boards had prior knowledge or approval. The committee deferred the Camden-Fairview, Forest City, and Nettleton reports to the June meeting and requested district representatives attend to answer questions. Cedar Ridge and Green County Technical were not deferred; Cedar Ridge was filed, and Green County Technical was reviewed without further action. Staff also discussed recurring fraud and banking-control issues seen in school audits, including altered checks, email-based banking changes, and the use of positive pay and in-person verification for deposit changes. Members encouraged better communication with school districts and noted that clean audits should be recognized. The committee then filed the remaining no-finding reports and adjourned with no new business.

Transcript Highlights:

• brokerages to frankly rebuild bank-owned insurance.
• To frankly rebuild bank-owned insurance brokerages, one of a major regional bank, and we rebuilt and
• It's not required, particularly if people take loans and banks.
• And the bank has a substantial financial issue.
• And the bank has a substantial financial issue.

Summary: The committee heard a work session on earthquake insurance, beginning with background from the Office of the Insurance Commissioner. OIC staff explained that earthquake and earth movement are generally excluded from standard property policies, that earthquake coverage is usually purchased through endorsements or standalone policies with high deductibles and relatively high premiums, and that surplus lines are a limited backstop market not covered by the state guarantee fund. They also described parametric insurance and captive insurance as more specialized products generally suited to commercial or governmental buyers rather than ordinary consumers. A second panel of insurance and banking experts focused on commercial earthquake exposure, especially for older buildings, collateralized loans, and potential knock-on effects to banks and consumers if a major quake caused widespread damage. Members asked about consumer impacts, mitigation incentives, inventories of vulnerable buildings, and whether legislation such as prior work on unreinforced masonry could help reduce risk. The Washington Bankers Association said earthquake insurance is expensive and that affordability is a major concern, while also noting banks participate in disaster-recovery planning and would be affected by major regional losses. No votes or formal actions were taken. The committee then received a presentation from the Washington State Institute for Public Policy on its cannabis and Initiative 502 research. WSIPP staff described the agency as a nonpartisan research institute that conducts legislative-directed studies and explained that its long-term I-502 assignment includes periodic reports leading to a final benefit-cost evaluation in 2032. Staff summarized findings from a 2023 report showing that cannabis possession convictions fell sharply after legalization, though some racial disproportionalities persisted, and that closer retail access was associated with higher reported adult cannabis use, more fatal traffic crashes involving drivers from nearby areas, and higher rates of cannabis use disorder diagnoses among Medicaid enrollees. A 2023 youth-focused report found that students attending schools near retailers were more likely to report cannabis use, had more unexcused absences, and were less likely to graduate on time. In the newest 2025 Medicaid study, staff said retail access was associated with higher probabilities of cannabis use disorder diagnoses, related hospitalizations, inpatient treatment, and co-occurring mental health diagnoses, with event-study analysis suggesting the increases appeared after retailers opened rather than before. Members asked about racial disproportionality, the meaning of cannabis use disorder diagnoses, THC and impairment, whether the findings reflected medical versus recreational use, and how the results should be interpreted in light of broader trends and data limitations. No formal committee action was taken.

Transcript Highlights:

• So those are fees; that's income earned to a bank, and the bank pays income taxes on its earnings, so
• I look at my banking.
• I look at my banking.
• I look at my banking.
• Trust<01:09:45.679> Services Bank bank service charges Trust Services Bank bank service charges

Keywords: 1183, house

Transcript Highlights:

• supervision to large banks.
• Now, under the law, it is the Federal Reserve Bank that provides that same supervision for small banks
• , community banks, and state-chartered banks, and gives that sort of regulation.
• does is it provides Bank supervision to large<00:03:41.120> Banks<00:03:42.120> now<00
• same supervision for small Banks same supervision for small Banks Community<00:03:52.519> Banks

Keywords: 1187, senate, all

Transcript Highlights:

• power, which benefits our food bank power, which benefits our food bank partners<00:51:45.359>
• So, the regional food bank grant helps food banks keep those essential items in stock.
• <01:02:39.680> So they can take for the food banks. So they can take for the food banks.
• bank grant program.
• Uh these food banks bank grant program.

Bills: HF2078, HF777, HF841, HF1112, HF1098, HF1926

Keywords: child care, day care, child care center, licensing, license requirements, parent access, guardian access, custody order, court order, furnishings, equipment standards, learning materials, early childhood education, infant care, toddler care, preschool, school-age child care, play materials, sensory materials, gross motor equipment

Transcript Highlights:

• Chris Richards, Chief Banking Services Officer at Cape Cod Five Savings Bank and Hyannis.
• Chris Richards, Chief Banking Services Officer at Cape Cod Five-Sense Savings Bank and Hyannis.
• When banks were more local, when banks were part of our community, and the issuing banks were part of
• Processing bank. With the bank. Okay.
• federal banks.

Keywords: 995, all

Summary: The commission met for its second hearing to study the future of credit card payments and sales transactions and their impacts on small businesses. Members heard extensive testimony from credit unions, retailers, restaurants, and payment-industry representatives on interchange fees, processing fees, fraud, chargebacks, rewards programs, and the ability of businesses to pass fees on to customers. Several witnesses argued that swipe fees have risen sharply, are especially burdensome for restaurants and other small businesses, and are charged on taxes and tips that are merely pass-through amounts. They urged state action to prohibit fees on tax and tip portions, improve transparency, and allow surcharging or convenience fees, while opponents warned that state regulation could reduce fraud protections, increase compliance costs, and threaten consumer rewards programs. Business owners and trade groups described thin margins, rising costs, and the difficulty of understanding merchant statements or negotiating with processors. Restaurant witnesses said card-not-present and online transactions create the greatest fraud and chargeback risk, with money often removed immediately from merchants’ accounts and disputes rarely resolved in their favor. Retail witnesses gave examples of rising effective rates, higher fees on rewards cards, and the burden of processing fees on low-value transactions. A representative from the Massachusetts Restaurant Association and others said restaurants are effectively paying fees on meals tax and gratuities, which they argued should not be subject to interchange charges. On the other side, the Cooperative Credit Union Association said interchange revenue helps credit unions fund fraud prevention, rapid card replacement, and member protections, and warned that state limits on interchange could weaken those safeguards and lead to higher consumer costs or reduced services. Airlines for America testified that airline credit card rewards are popular, support travel and jobs in Massachusetts, and could be harmed by interchange reform. The National Restaurant Association and a payments-policy attorney countered that interchange fees are set by card networks rather than competitive markets, that banks remain highly profitable even with rewards, and that states can act after recent court decisions. No votes were taken; the hearing consisted of testimony and questions from commissioners.

Transcript Highlights:

• In a fairly short period of time, Regional Farm to Food Bank has proven to be a strong and effective
• Regional Farm to Food Bank demonstrated that when food banks partner directly with New Mexico livestock
• Regional Farm to Food Bank created an additional viable market for ranchers while allowing food banks
• These are all items that are incredibly hard to get a hold of for food banks oftentimes.
• So we look forward to your support of the Regional Farm to Food Bank program. Thank you.

Keywords: 996, all

Transcript Highlights:

• Mary's Bank, founded in 1909.
• example, the larger the bank banks, for example, the larger the bank or<00:08:43.760> if<00:08
• banks.
• where the bank is located. where the bank is located.
• She's the bank. A bank overseas the bank. Okay. She's not a bank. She's not a bank.

Keywords: 928, house, all

Summary: The committee first held a public hearing on Senate Bill 25, which would allow state-chartered credit unions to compensate board members if the membership approves it. Prime sponsor Senator Dan Innis said the bill is enabling only, intended to help credit unions recruit and retain qualified directors and align New Hampshire with other states that already allow such compensation. Credit union representatives from the Cooperative Credit Union Association and St. Mary’s Bank supported the bill, saying board service has become more complex because of cybersecurity, asset-liability management, and other regulatory demands, and that compensation could be modest and take forms such as meeting fees or educational reimbursement. In response to committee questions, they said compensation would be set by the membership, disclosed in advance, and subject to bylaws and internal policies; they also noted that board members must be credit union members and that voting procedures vary by institution, with some using mailed ballots rather than proxy voting. Members raised questions about why credit union boards were historically excluded, what kinds of compensation were contemplated, whether there would be a cap, and how voting and confidentiality would work. Testimony explained that the historical rationale was the nonprofit, volunteer mission of credit unions, but witnesses argued that the modern environment and competition for talent justify a change. They also said the bill would not mandate compensation and would not create a salary structure comparable to banks, but would allow members to approve modest compensation or reimbursements. After no further testimony, the chair closed the public hearing on Senate Bill 25. The committee then opened a public hearing on Senate Bill 26, sponsored by Senator Howard Pearl, concerning the definition of deposits in land sales and escrowed accounts. Pearl said the bill would clarify that buyer funds for upgrades and luxury items in new-home construction are not treated as refundable deposits that must be held in escrow, arguing that the current Attorney General interpretation raises builder costs, increases home prices, and can limit buyer choices. He said the proposal would allow those upgrade funds to be paid directly to builders for construction, with signed disclosures making clear that the buyer requested the items and bears the risk if financing falls through. The hearing on Senate Bill 26 had just begun when the transcript ended.

Transcript Highlights:

• a bank or credit card or debit card.
• Banks and financial institutions are...
• They don't have a bank.
• bank, it would have a 4% fee.
• account or from some account tied... a bank account or from some account tied to a bank account to the

Bills: HB297

Keywords: cash transactions, money transmission, regulatory compliance, criminal penalties, Alabama Securities Commission, 1136, house, all

Transcript Highlights:

• The food bank is a nonprofit organization, and this bill will add the food bank to the list of other
• bank that can answer.
• Food Bank, and the Frio County Food Bank.
• Food Bank and the Frio County Food Bank, and you were here to testify for the bill.
• We... ...Food Bank and the Frio County Food Bank, and you were here to testify for the bill.

Summary: The committee heard a long series of bills, most of them expanding or adjusting hotel occupancy tax or qualified hotel project authority for specific local governments. Measures discussed included HB 2404 for Childress County; HB 3066 for Allen’s Kalahari resort project; HB 4682 for Plano; HB 4683 for Anna; HB 3076 creating a project finance zone in Frisco; HB 3567 for Wichita County; HB 3715 for McAllen; HB 1039 for Alpine; HB 3182 for Burleson; HB 4926 for Grimes County; HB 4222 for Victoria County; HB 3377 for Katy; HB 4659 for Addison; HB 3241 for Georgetown; HB 4098 for Taylor; HB 3178 for Kerr County; HB 3179 for Mason County; HB 2289 for New Braunfels; HB 4412 for Kermit; HB 5165 for Monahans; HB 3500 for Bastrop; and HB 3169 for Carrollton. In each case, authors and local officials described tourism, convention, hotel, airport, or mixed-use development needs and argued the bills would help attract visitors, investment, and jobs. One non-hotel-tax bill, HB 4226, would exempt Texas food banks from sales tax on vehicle purchases and rentals, with testimony emphasizing the scale of food bank operations and the savings’ impact on meal delivery and disaster response. Testimony was generally supportive from city officials, economic development representatives, and industry groups such as the Texas Hotel and Lodging Association. Several witnesses described major private projects, including Kalahari in Allen, a proposed hotel and conference center in Addison, a mixed-use project in Georgetown, and a large development tied to Samsung growth in Taylor. For HB 4226, food bank representatives said the bill would help them purchase refrigerated trucks and other delivery vehicles, while an opponent questioned the fiscal note and the scope of the exemption. HB 4926 drew opposition from Camp Allen, whose representative argued a new county hotel tax would raise costs for guests and could hurt the retreat center’s operations. HB 3178 also drew an objection from a Kerr County resident who argued the tax would grow county government and pointed to event center losses, though the author said the revenue would support tourism-related county uses. The committee took no final votes on the bills in this transcript. After each bill was laid out and testimony concluded, the chair repeatedly asked whether there was objection to leaving the bill pending; in each instance, no objection was heard, and the bills were left pending. Several committee substitutes were offered and then withdrawn or noted as conforming drafts, but no bill was reported out or otherwise acted on beyond being left pending.

Transcript Highlights:

• to the community bank deposit program.
• I also coordinated between the 12 banks, the 12 district banks, as well as the OCC and the FDIC in that
• First is the Banking Development District Program, or BDD.
• I know this is the Banks Committee, but insurance.
• Who would know where the banking development deserts are more than DFS?

Keywords: 993, senate, all

Summary: The Senate Banking Committee met for its first meeting of the session, with Chair James Sanders Jr. and Ranking Member George Borrello opening the hearing and noting a collaborative approach to committee work. The committee first considered and advanced several bills: S.114, which would prohibit state-chartered banks from investing in or financing private prisons; S.2040, which would require money transmitters to provide a consumer warning; S.5473, which would require disclosures in advertisements involving virtual tokens; and S.8406, Sanders’ bill to amend the community bank deposit program. Each bill was moved and approved by committee, with S.8406 passing unanimously. The committee then heard from Caitlin Azar, Acting Superintendent of the Department of Financial Services (DFS), who outlined her background and DFS priorities. She emphasized affordability, consumer protection, stability, and innovation, and discussed DFS-led initiatives in the governor’s budget, including Banking Development Districts, non-bank mortgage CRA regulations, CDFI investment guidance, and consumer restitution. She also said DFS plans to issue buy-now-pay-later regulations in February, expand student lending protections and borrower education, and continue work on insurance affordability, including auto and homeowners insurance reforms, anti-fraud efforts, and discounts tied to telematics, dash cameras, and safe-driving courses. Members questioned Azar about the balance between regulation and access, especially in crypto, buy-now-pay-later, and insurance markets. She said DFS aims to preserve competition while preventing discriminatory or excessive practices, and described existing oversight of virtual currency, including coordination with federal regulators. Another member asked about AI in auto insurance underwriting and pricing; Azar said DFS requires transparency, bias review, governance controls, and consumer recourse, and that credit scores cannot be used to deny or increase rates. The chair also raised concerns about foreclosure in Southeast Queens, improving BDD paperwork and data collection, and increasing the number of state-chartered credit unions. Azar said DFS is working on process improvements, community input, and maintaining open communication with the committee, but no additional votes or formal actions were taken during the DFS hearing.

Transcript Highlights:

• But banks didn't offer that.
• To increase access to low-cost bank accounts for Californians, community banks and credit unions are
• customers out of the existing bank and of banks and credit unions that are chartered here continues
• good access to banking.
• at a community bank, a credit union, any bank, right?

Summary: The committee heard several labor-related bills, with AB 1424, AB 1340, AB 288, and AB 746 all advancing on due-pass motions to Appropriations after testimony and roll calls. AB 1424 would require climate resiliency and extreme-heat protections in CDCR facilities; supporters described dangerous heat conditions for incarcerated workers and staff, while no opposition testified. AB 1340 would allow rideshare drivers to unionize and collectively bargain; drivers, labor groups, and researchers testified that app-based work is low-paid and unstable, while TechNet, Uber, Lyft, and other business groups argued the bill conflicts with Proposition 22 and could raise costs. AB 288 would let PERB step in when federal labor remedies are unavailable; supporters said it is needed because of NLRB dysfunction, while the Chamber of Commerce raised preemption and enforcement concerns. AB 746 would create an inmate cooperative program and a green reentry reserve; supporters framed it as a recidivism-reduction and reentry strategy, and there was no opposition testimony. The committee also heard AB 858, which would extend hotel and hospitality worker recall rights after declared emergencies and extend existing COVID-era protections. Hospitality workers and unions supported the bill as a way to protect jobs after pandemics, wildfires, and other disasters, while hotel, chamber, retail, restaurant, trucking, travel, and attractions groups opposed it, saying the current recall rules were meant to sunset and that the bill would create broad liabilities and hiring complications. The bill was moved to Appropriations but remained on call after the roll. AB 291, creating a credentialed educator apprenticeship program to address teacher shortages and improve diversity, drew support from education groups and stakeholders who said apprenticeships could lower preparation costs and provide better support; it was also moved to Appropriations and placed on call. Later, the committee took up AB 1104, a solar-energy bill intended to clarify that private solar customers are not “awarding bodies” and to ease certain business-to-business solar transactions while preserving prevailing wage and apprenticeship requirements for contractors. Supporters said the current interpretation has chilled commercial solar adoption and harmed jobs, while opponents from electrical workers, PG&E, and others warned about expanded “over-the-fence” power sales and the need for clearer limits. Members questioned the lack of a definition of “small,” and the bill was held without a second. The committee also heard AB 338, which seeks $50 million for Los Angeles and Ventura wildfire workforce recovery; the author and county officials described major job loss and business destruction and said the funds would support displaced workers and rebuilding, with the testimony continuing beyond the excerpt provided.

Transcript Highlights:

• This is something that we discuss a lot among the food banks.
• You've probably heard recently that food banks have been saying, you know, food banks can't replace SNAP
• When that happens, we see an increase at the food bank level.
• to be, food banks are income and economy neutral.
• Okay, so this is where people can go to shop for a food bank.

Transcript Highlights:

• So it stuck as the West Bank. Today Israel owns that. They control that.
• So it stuck as the West Bank. Today Israel owns that. They control that.
• So it stuck as the West Bank. Today Israel owns that. They control that.
• So it stuck as the West Bank. Today Israel owns that. They control that.
• Now, why is this of West Bank. Now, why is this important?

Bills: SB8, SB22, SB137, HB295, HB2, HB343, HB220, HB303, HB81, SB8, SB22, SB137, HB295, HB2, HB343, HB220, HB303, HB81

Keywords: emergency management, public funds, educational materials, state legislation, disaster response, uniformity, state laws, legislative commission, appointments, government structure, resilience, natural disasters, risk management, Alabama Resilience Council, Chief Resilience Officer, state planning, environmental protection, community preparedness, Alabama Office of Civic Engagement, Alabama Office of Minority Affairs

Transcript Highlights:

• I spent the first 10 in banking, in proper banking.
• c> F FIS um plus plus bank plus a bank on F FIS um plus plus bank plus a bank on chain.<00:16:45.279>
• bank, the bank holds the money to the bank, the bank holds it,<00:36:52.000> they<00:36:52.240
• , Neora, Standard Bank, Shinhan Bank, and EDF.
• I'm with Pumpsk Bank and represent banking. banking. banking.

Keywords: 1189, house, all

Summary: The commission met with a quorum, approved the agenda, and approved the November 12 minutes after a motion, second, and unanimous voice/online consent. The chair said the meeting would include two presentations—one from Noah Herman of Fortress Global and one from John Kicko and team from Hedera—followed by discussion of the commission’s next steps and public comment. The chair also noted he was still seeking a clerk for note-taking. Herman’s presentation focused on stablecoins, blockchain use cases, and operational considerations for states and other institutions. He described Fortress as an enterprise crypto-wallet and treasury platform serving corporates, governments, and nonprofits, and used examples such as Save the Children and a large global commodities firm to illustrate custody and treasury management on blockchain rails. He said stablecoins are designed to maintain a U.S. dollar peg, are increasingly backed by treasuries and subject to greater transparency, and are being adopted by major firms and payment companies because they can improve speed, reduce cost, and simplify payments. He also highlighted market growth, including claims that stablecoins now represent a significant share of on-chain activity and are a major holder of U.S. Treasuries. He identified custody as a key issue for state and institutional use, outlining qualified custody, managed custody, and self-custody models. He said the main practical challenge for the commodities client was moving funds safely and quickly across global time zones and that blockchain rails could solve problems that traditional banking rails could not. He framed the broader trend as one of accelerating institutional adoption, citing recent acquisitions and product launches by Visa, Stripe, Citi, and PayPal as evidence that stablecoin infrastructure is becoming mainstream.

Transcript Highlights:

• The DOT will basically forward the requests on to the bank, and then the bank will administer the money
• The DOT will basically forward the requests on to the bank, and then the bank will administer the money
• And then we'll move on from the bank.
• Okay, that's just a bank buy-down.
• The bank determines, okay, in this, so that basically economic impacts, it gives the bank the buy-down

Keywords: 908, all

Summary: The committee heard House Bill 2014, the budget for the Industrial Commission, with Representative Kempenich walking through the agency’s major components: the administrative office, Bank of North Dakota, housing finance, Department of Mineral Resources, and the State Mill and Elevator. He described mostly special-fund operations, including bond payments, economic development programs, the rail loan program, the Rebuilder’s Loan Program, housing incentive funding, abandoned well reclamation work, lignite research, litigation reserves, and a capacity purchase arrangement for a future natural gas pipeline. He also explained several one-time funding items, such as grid resiliency grants, housing-related transfers from the Strategic Investment Fund, and enhanced oil recovery funding repurposed from a prior salt cavern study. Members asked about the reduction in housing incentive funding from the Senate version, the use of one-time Strategic Investment Fund dollars for ongoing housing programs, and whether a trigger should be added to increase housing funding later. Kempenich said no trigger was discussed and emphasized that housing needs vary widely across the state. Another exchange focused on the enhanced oil recovery grant program, which he said would be driven largely by the Energy and Environmental Research Center and would use repurposed funds. A longer discussion covered the natural gas pipeline capacity purchase, including its purpose, possible routes, and the idea that the state would be buying capacity rather than immediately building a pipeline. The committee adopted Amendment 25.0181.0207 on a 21-1 vote, with one member absent and not voting. The committee then passed HB 2014 as amended on a 21-1 vote, with one member absent and not voting. Representative Kempenich was designated to carry the bill. The chair then noted this was the final budget hearing for the committee, with one bill remaining to be heard later.

Transcript Highlights:

• The Senate Committee on Banking and Financial Institutions will come to order.
• They will call their bank. They will be frustrated.
• That's the other piece of the information that the bank may not have.
• Having her repeat it to me and then repeat it to a bank, and then that bank then repeat it to IC3, I
• Sometimes they send the information to the banking institutions, but the banking institutions don’t let

Keywords: 987, senate, all

Transcript Highlights:

• Association of the Nation represents nearly 400 banks, with our membership inclusive of banks from..
• The number one complaint of our banks across the state.
• Stuller Bank and the Texas.
• Banks, consumers, and law enforcement need the state to act.
• And they were able to go to the bank and cash it.

Bills: SB1281, SB1300, SB1379, SB1451, SB1497, SB1498, SB1499

Keywords: mail theft, postal theft, package theft, identity theft, negotiable instrument, check theft, mail receptacle key, mailbox lock, postal key, delivery service, courier, USPS, United States Postal Service, fraud, property crime, elderly victims, disabled victims, identity information, rebuttable presumption, felony enhancement