Transcript Highlights:

• The proposed legislation streamlines the agent registration process by establishing a single transferable
• A single transferable badge would increase job mobility for individual agents, reduce administrative
• Excessive agent fees: annual agent registrations are $115 for recreational agents but cost $500 every
• So let's start by looking at the need for a single agent badge, which I know has come up many times today
• I have two agents.

Keywords: 995, all

Summary: The Joint Committee on Cannabis Policy held its first hearing of the 194th session to take public testimony on 21 cannabis-related bills. Chairs Donahue and Gómez outlined hearing procedures and noted that written testimony would also be accepted. Much of the hearing focused on the Cannabis Control Commission (CCC), with Senator Mike Moore urging support for S. 90 to create an inspector general unit within the CCC. He argued the commission has suffered from dysfunction, workplace harassment allegations, delayed governance reforms, missed fee collections, and high legal costs, and said stronger legislative oversight is needed. Committee members largely agreed the CCC needs reform, though some expressed hope that new leadership would improve operations. A major theme was market structure and business viability. Representative Tyler testified for H. 183 to raise adult-use purchase limits from one ounce to two ounces, saying the change would reduce confusion and help retailers compete with neighboring states. Senator Payano supported S. 100, which would require a study of cannabis supply and demand to guide cultivation licensing, warning that oversupply is driving down prices and threatening cultivators. The Massachusetts Cannabis Coalition, represented by Ryan Dominguez, backed a package of bills aimed at increasing revenue, reducing regulatory burdens, attracting investment, and stabilizing the market, including higher purchase limits, simpler badge and testing rules, and a phased increase in the retail license cap. Attorneys Kevin Conroy and Mike Ross also supported raising the cap, arguing that the industry lacks capital and that more investment and exit opportunities are needed for provisional and distressed licensees. The most contentious issue was whether to raise the retail license cap from three to six. Supporters, including several business owners and industry advocates such as Peyton Shubrick, Tito Jackson, Armani White, Sean Burt, and others, said the current cap traps owners in declining businesses, prevents exits, and limits access to capital. They argued that many social equity and economic empowerment operators are struggling, that oversupply has pushed prices down, and that allowing more ownership could help businesses scale or sell. Opponents, including Senator Liz Miranda and several social equity operators, warned that lifting the cap now would let larger operators and multi-state companies dominate the market and harm equity-owned businesses. Miranda’s S. 88 would instead strengthen enforcement of ownership limits through audits, whistleblower protections, an anonymous tip line, and greater transparency. Another major topic was worker and consumer safety: Laura Bruno, Danny Carson, Al Vega, and others supported H. 194 after the death of Lorna McMurray, arguing for a CCC workplace and consumer safety department, better ventilation and PPE standards, stronger testing oversight, and retaliation protections for workers. The hearing ended without votes, with members thanking testifiers and indicating the committee would continue reviewing the bills.

Transcript Highlights:

• He's a retired captain for Moore and he's my chief law enforcement agent.
• And you know, our agents are in bars at 2 o'clock in the morning.
• I don't have any agent positions now.
• We have an agent that's trained to fly drones, but we don't have a drone.
• We have not done a very good job training our civilian staff or our agents.

Keywords: 914, all

Transcript Highlights:

• And what I heard a lot of was agents, federal agents. And I see that.
• Not only do I see it on social media... ...agents, federal agents. And I see that.
• Like, every single part of our district is targeted every single day, every hour.
• Like, every single part of our district is targeted every single day, every hour.
• SB 805 would require federal law enforcement agents as well as state agents to wear uniforms that properly

Summary: The committee heard several public safety measures, with extensive testimony on firearms regulation, disability and sexual assault, mental health diversion, emergency response, and law enforcement masking. SB 704 by Senator Arreguín would require firearm barrels to be purchased through licensed dealers with a background check, as a response to the rise in ghost guns and 3D-printed firearms; supporters said barrels are a key component of untraceable guns, while opponents argued the bill burdens lawful gun owners and does little to stop criminals. SB 258 by Senator Wahab would eliminate the remaining spousal rape exception for victims unable to consent because of disability; supporters called it a needed closure of an archaic loophole, while disability-rights advocates opposed it unless amended, warning it could worsen misunderstandings about capacity to consent and harm disabled people’s autonomy. After debate, SB 258 passed the committee on a due-pass motion to Appropriations, with several members voting aye and the bill held on call. Senator Umberg presented SB 398, which closes a loophole in the law prohibiting paying or offering money or other value to induce someone to vote or register to vote; there was little opposition, and the bill passed on a due-pass motion to Appropriations and was held on call. He also presented SB 27, a CARE Court cleanup measure that would allow certain misdemeanor defendants found incompetent to stand trial to be routed into CARE Court and would expand eligibility to some people with mood disorders with psychotic features. Supporters said it would improve access to treatment and reduce unnecessary incarceration, while county behavioral health directors and disability advocates warned it could blur the line between voluntary civil treatment and coercive criminal proceedings and expand CARE Court beyond its intended scope. SB 27 passed on a due-pass motion as amended to Appropriations. The committee also heard SB 36 from Senator Umberg, a price-gouging measure tied to wildfire-related emergency conditions that also expands search-warrant authority for certain misdemeanor investigations. Public defenders opposed the search-warrant expansion as unnecessary, while a late supporter from the Los Angeles County District Attorney’s Office spoke in favor; the bill was moved on a due-pass motion as amended to Appropriations and held on call. SB 571 by Senator Arreguín would increase penalties for impersonating emergency personnel and related conduct during disasters; supporters cited post-fire looting and impersonation, while opponents argued longer sentences do not deter crime and that existing law is sufficient. The bill passed on a due-pass motion as amended to Appropriations and was held on call. Finally, Senator Wiener presented SB 627, which would prohibit law enforcement from wearing extreme masks except in limited circumstances, aimed largely at masked federal immigration enforcement operations. Supporters said masked, unidentified officers create fear and undermine trust, while law enforcement groups argued the bill wrongly sweeps in local officers, is too broad, and should instead target federal agents or impersonators. Testimony was still underway when the transcript ended, and no final committee action on SB 627 is shown here.

Transcript Highlights:

• Governor walls has taken those agents Governor walls has taken those agents and<00:01:36.000>
• We have agents that are assigned to Social Security disability insurance, with two agents and an analyst
• We have agents that are assigned to Social Security disability insurance, with two agents and an analyst
• We have agents that are assigned to Social Security disability insurance, with two agents and an analyst
• <01:03:13.359> of the past but um you know the Agents of the past but um you know the Agents

Keywords: 1183, house

Transcript Highlights:

• So we have single-employer programs. We also have plant programs that are single employers.
• A plant program means that they never change locations: single employer, single location.
• If you look at the bottom there, total active training agents — training agents are employers under group
• Those are the training agents.
• We need training agents.

Summary: The work session focused first on Washington’s apprenticeship system, especially building trades programs and support services. Labor and Industries staff explained how registered apprenticeship works in the state, including the role of the Washington State Apprenticeship and Training Council, the requirements for paid on-the-job training and classroom instruction, and the difference between apprenticeship and pre-apprenticeship. Panelists emphasized that apprenticeship is tied to actual jobs and training agents, and that many waitlists reflect a shortage of job openings and employer participation rather than a lack of interest. They also discussed youth apprenticeship, the growth of apprenticeship and pre-apprenticeship programs, and the use of Career Bridge and L&I’s database to help people find programs. Representatives asked whether the state should expand apprenticeship programs and how people can find openings. Speakers said more programs alone would not solve the backlog without more employers signing on as training agents and more apprenticeship utilization on projects. The panel also highlighted the Constructed Career Initiative, a grant-funded navigation and support program that helps people enter and stay in building trades apprenticeships through outreach, case management, and wraparound aid such as transportation, tools, and work clothes. A related nonprofit, Build Up, described similar support services, including prison-based boot and PPE programs and assistance for reentry participants. The panel said these services are especially important because apprentices often face unstable income, housing, food, and transportation barriers. The panel also discussed House Bill 2084 and the new Construction Training Pathway Oversight Committee, which is examining construction training in correctional facilities and how to create clearer pathways from prison-based training to apprenticeship, college, or work. Speakers said the committee is still in its early stages and will report to the legislature. The session ended with committee members thanking the panel and noting the importance of support services and referral networks for apprentices. The meeting then resumed at Renton Technical College, where college leaders and faculty discussed serving non-traditional students. The college reported strong enrollment growth, a median student age of 30, a diverse student body, and high job placement rates, while also noting significant budget cuts and program reductions from the prior year. Health care and early childhood education programs were highlighted, including efforts to expand access through hybrid scheduling, evening and Saturday classes, Spanish-language offerings, and in-person wraparound support for admissions, financial aid, and registration. Faculty said these changes were driven by student data and were aimed at helping working parents, English learners, and other non-traditional students complete credentials and enter family-wage careers.

Transcript Highlights:

• The Independent Agent Marketplace has been successful because agents leverage their relationships and
• That's what independent agents go through. It's happened to me many times.
• Under deposition, that independent agent said, "Well, they're pressuring us every single day to keep
• My job as an agent is to take care of my customer first.
• However, in general, almost every single definition of artificial intelligence amongst every... single

Bills: HB813, HB1680, HB3569, HB4074, HB4635, HB5178, SB527, SB1307, SB1822

Keywords: autism, health insurance, coverage, medical treatment, health benefit plan, HIV prevention, prescription drug, prior authorization, health benefits, insurance coverage, insurance, contract termination, property and casualty, insurance agents, discrimination, appraiser, umpire, licensing requirements, continuing education, admin penalties

Transcript Highlights:

• Federal agents tackling school staff. They came.
• solves every single possible scenario, a problem.
• That's not going to solve a single problem.
• We can't turn every single building into essentially a jail.
• Every single one in the state of Minnesota.

Keywords: 1183, house

Transcript Highlights:

• Not a single school counselor.
• Afraid a routine traffic stop could... single day. The next week, the numbers single day.
• federal immigration enforcement agents federal immigration enforcement agents violate<00:40:58.480
• Call our agents to wait at the door.
• The agents used trying to go home.

Keywords: 1187, senate, all

Transcript Highlights:

• Allowing the use of agents and brokers would contradict that.
• I see articles, I read them every single morning.
• Again, you've got DFS on agents, at least the OIR, not on agents, but if somebody was acting like an
• I see articles, I read them every single morning.
• Again, you've got DFS on agents, at least the OIR, not on agents, but if somebody was acting like an

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Transcript Highlights:

• Mass agents raided a church.
• <07:28:12.718> Charlotte agents raided a church. Charlotte agents raided a church.
• day. the fear every single day.
• Masked agents are how they look.
• <07:53:26.240> Without unidentified federal agents. Without unidentified federal agents.

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, December 3, 2025, 1012, house, all

Transcript Highlights:

• of ICE agents coming in. of ICE agents coming in.
• <02:29:56.800> and too common, but armed mask agents and too common, but armed mask agents
• <02:36:28.000> up<02:36:28.160> at If mass agents are showing up at If mass agents
• I was raised by a single single that.
• I was raised by a single single immigrant<02:38:50.080> mom. immigrant mom. immigrant mom.

Keywords: 981, all

Summary: The House convened with a quorum, approved the journal, and then moved out of order to consider Senate Joint Resolution 006 on immigration. The resolution reaffirmed support for immigrant Coloradans, emphasized their economic and cultural contributions, and called for transparent, accountable federal immigration enforcement, including an end to masked or unidentified enforcement tactics and limits on actions near schools, clinics, courthouses, faith spaces, and other sensitive locations. It also urged humane federal immigration reform, stronger state transparency tools, and protection of First Amendment rights and peaceful protest. Representative Joseph and Representative Brics spoke in strong support of the resolution, arguing that immigrants are integral to Colorado and that aggressive enforcement has caused fear, family separation, and harm in communities. They cited examples of alleged federal overreach and personal stories of affected constituents to argue for dignity, accountability, and reform. Representative Baron opposed the resolution as written, saying some parts were acceptable but others were too partisan; he offered an amendment that would emphasize legal immigration, federal authority over immigration enforcement, and a more bipartisan framing. The amendment debate centered on whether the proposal was truly bipartisan and whether the resolution should be narrowed to focus on legal immigration and federal jurisdiction. Supporters of the amendment said it better reflected shared values and legal realities, while resolution sponsors rejected the changes and asked for a no vote. The transcript ends during continued debate over the amendment, with no final vote on the resolution or amendment shown in the excerpt.

Transcript Highlights:

• They're happening every single day.
• It generates more money than the NBA and the MLB every single year.
• But the agents themselves, every one of them I've dealt with, we've dealt with their agents, that they
• The Miller-A-Cox Sports Agent Act of 1996.
• It regulates the conduct of agents in the professional space.

Summary: The committee held an informational hearing on name, image, and likeness (NIL) and financial literacy for student athletes, with members framing California as a national leader on NIL but emphasizing the need for stronger protections and more consistent education. The chair and witnesses discussed how NIL opportunities now include both third-party endorsement deals and school revenue-sharing arrangements, and how the current landscape varies widely by institution, leaving athletes with a patchwork of rules and support. Several witnesses argued that student athletes, especially younger ones and those from low-income or first-generation backgrounds, are vulnerable to predatory contracts, tax problems, and pressure from family, agents, or lenders. The first panel featured Tyree Dillingham and Brandon Copeland, who called for standardized financial literacy, better guardrails against predatory NIL advances, and a player-led association or similar collective voice for athletes. They described examples of athletes not understanding paychecks, taxes, or contract terms, and warned that some schools and collectives blur the line between education and marketing. Copeland also argued that college athletics now functions like a professional business and that athletes need representation and a standard contract structure to protect them. The second panel focused on lived experience, including testimony from attorney Anthony Coronae and student athlete Mikey Williams. Coronae described reviewing a contract that he said functioned like a predatory loan disguised as marketing support, with the company taking exclusive rights to Williams’ NIL and requiring repayment far beyond the advance. Williams testified that he signed without a lawyer, later lost endorsements, scholarship, and housing stability, and only later learned the contract’s consequences. He said a required financial literacy course at Sacramento State helped him begin to understand budgeting, taxes, and contracts, and he urged the legislature to require legal review or stronger safeguards for athletes. The third panel, from San Diego State University, highlighted a more structured institutional model. Athletic director Brendan Hill described a mandatory four-year life-skills program that includes financial literacy, resume workshops, internships, and branding education, while student athlete Sloan Benchoff said the program helped her manage money and prepare for post-college life. Witnesses agreed that support is uneven across schools, that some agents and lenders are exploiting athletes, and that California should consider standardized financial education and agent regulation while also being careful not to create rules that unintentionally restrict athlete rights. No formal vote or bill action was taken at the hearing.

Transcript Highlights:

• Allowing the use of agents and brokers would contradict that.
• I see articles, I read them every single morning.
• Again, you've got DFS on agents, at least the OIR, not on agents, but if somebody was acting like an
• I see articles, I read them every single morning.
• Again, you've got DFS on agents, at least the OIR, not on agents, but if somebody was acting like an

Summary: The Committee on Banking and Insurance met with a quorum present and took up several bills, beginning with SB 834 on health care sharing ministries and insurance agents. Senator Yarbrough presented the bill to repeal a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing consumer protections; opponents said the bill was unnecessary and could increase confusion or misuse of agents and brokers. The committee adopted a title amendment and then reported the bill favorably after debate, with Senator Pizzo raising concerns about consumer reliance and lack of guaranteed coverage. The committee then approved SB 642 on foreign and alien bail bond insurers, SB 394 on reinsurance intermediary managers, and SB 266 on public adjuster contracts. SB 266 would let vulnerable adults rescind public adjuster contracts at any time without penalty; it drew support from consumer and industry groups, with some discussion about estimates and claim work product. The committee also passed SB 832 on residential property insurance transparency, which requires rate transparency reports and a consumer resource center at OIR, and adds a provision excluding land value from homeowners coverage calculations in most cases. Testimony on SB 832 was generally supportive of the transparency goal, though insurers said some of the required cost breakdowns may be difficult to produce as written. The committee next considered SB 1028 on Citizens Property Insurance Corporation, which would create a commercial lines clearinghouse to move eligible policyholders into the private market and reduce Citizens’ commercial exposure. Supporters said it would lower taxpayer risk and improve competition; a speaker suggested additional changes to deductibles, water-damage caps, and repair practices. The bill was reported favorably after a delete-all amendment and supportive debate from Senator Boyd. Finally, the committee passed SB 540 on the Office of Financial Regulation, which adds cybersecurity requirements for certain licensees, updates oversight of investment advisers and money service businesses, adjusts some charter and meeting rules for financial institutions and credit unions, and includes amendments clarifying repossession/deficiency claims, family office exemptions, and virtual credit union meetings. The meeting ended with all of the considered bills reported favorably and the committee adjourned.

Transcript Highlights:

• , Agent Kohler and Agent Williams.
• The line agents, the brick agents who are trained to bring investigations on behalf of the FBI, will
• Having one agent prevent one homicide, and having one agent in Washington prevent one rape.
• Do you think it is appropriate for the FBI to be sending agents, including counterterrorism agents, to
• As my FBI agents, the BRIC agents told me when I was running cases with them across this country and

Transcript Highlights:

• In 2023, there were over 2,300 rate filings, and not a single one of them was disapproved.
• It's much better with a single commissioner.
• We moved to a single commissioner.
• Albert Betts, Executive Director, Independent Insurance Agents of Texas.
• I haven't moved to the agents yet. I'm with the insurance counsel.

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Transcript Highlights:

• If we have respect for these agents, show it.
• They want to be an agent. An FBI agent.
• So hundreds or thousands of line prosecutors and FBI special agents. agents and analysts, may be purged
• We have credible evidence that he is already enacting this idea of revenge against FBI agents. agents
• The jury found him guilty on every single charge.

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:

• insurance with more than one insurance company—independent agents.
• the agent on Main Street in Ione, California.
• insurance with more than one insurance company—independent agents.
• the agent on Main Street in Ione, California.
• They want to talk to an agent. They want to go into a brick-and-mortar. That’s fine.

Summary: The Assembly Insurance Committee heard several bills, with most of the discussion focused on insurance transparency, claims handling, privacy, and regulatory enforcement. SB 877 and SB 878 by Senator Pérez addressed post-disaster claims practices: SB 877 would require insurers to disclose original and revised loss estimates and related claim materials to policyholders, while SB 878 would add automatic interest penalties for delayed claim decisions or payments and require written identification of disputed items. Fire survivors, consumer groups, AARP, the Department of Insurance, and other advocates supported both bills, while insurer groups moved to neutral after amendments. Both bills were voted out on roll call and reported to the Committee on Appropriations. The committee also considered SB 1054 by Senator Cabaldon, which would expand data sharing and reporting to improve workforce program evaluation and help counties verify work requirements for Medi-Cal and CalFresh using employer-reported hours worked. County officials, workforce advocates, and the Department of Insurance supported the measure, and no opposition was heard. The bill passed on a due-pass-as-amended motion to the Committee on Labor and Employment. SB 1209 by Senator Allen, presented with Insurance Commissioner Ricardo Lara, would give the commissioner stronger enforcement tools to require insurers to carry out corrective actions identified in market conduct examinations, including fines and hearings for noncompliance. The commissioner and author said the bill would close an enforcement gap and improve accountability; there was no opposition testimony, but the bill was left on call after the roll. The committee also heard SB 354 on insurance privacy, presented by Senator Padilla on behalf of Pro Tem Limón, which would modernize insurance privacy rules by expanding consumer rights over personal data, limiting sale and use of sensitive information, and increasing disclosure requirements. Supporters said the bill updates outdated 1980s-era rules, while insurers, agents, and business groups raised concerns about scope, compliance burdens, and small-business impacts. Members indicated the bill was still being negotiated and would return in a revised form in the Privacy Committee.

Bills: SB15, SB65, SB241, SB304, SB402, SB413, SB427, SB499, SB583, SB621, SB673, SB840, SB850, SB854, SB974, SB1023, SB1024, SB1025, SB1106, SB 15

Keywords: SB 15, Texas Local Government Code, zoning preemption, housing affordability, small lots, lot size, lot density, single-family zoning, residential subdivision, municipal land use, local control, state preemption, parking requirements, setbacks, infill development, missing middle housing, lot width, lot depth, homebuilders, housing supply

Transcript Highlights:

• sprayed by federal agents?
• Now they're witnessing masked agents Now they're witnessing masked agents with<00:04:19.760>
• Um, and those were federal agents.
• agents tackling school staff. They came. agents tackling school staff. They came.
• ,<00:28:13.200> like And if you're one of the agents, like And if you're one of the agents

Keywords: 1183, house

Transcript Highlights:

• estimated that the cost to a single estimated that the cost to a single family<00:03:29.360>
• Dustin Miller, retained legislative agent for Big I Kentucky.
• The value that the agent plays in that transaction, ultimately, is that they're not regulated.
• And so I guess what you're telling me is the buck stops with the agent because you're saying the agent
• You're telling me the buck stops with the agent because you're saying the agent takes on the responsibility

Keywords: Meeting Start: 00:00 Roll Call: 00:06 SB24 Discussion: 01:08 SB24 Vote: 13:22 SB18 Discussion: 14:40 SB18 Vote: 21:54, 958, all

Summary: The committee met with a quorum and first took up Senate Bill 24, a measure aimed at combating property and casualty insurance fraud. Senator Girdler and witnesses from the Insurance Institute of Kentucky and the National Insurance Crime Bureau said the bill would expand the definition of a fraudulent insurance act to cover statements that misrepresent the scope of property damage or repair costs, with the goal of addressing inflated storm-damage claims and out-of-state bad actors. Members discussed whether existing prosecutors were already handling these cases, the role of Commonwealth’s attorneys versus the Attorney General, and the need to keep the bill narrowly tailored to criminal intent rather than negligence or ordinary disputes over value. The committee substitute was adopted, the bill received favorable expression, and a title amendment was also adopted. The committee then heard Senate Bill 18, which would address a shortage of insurance options for automobile dealers by allowing nonadmitted carriers to provide garage liability coverage in Kentucky. Testimony from an insurance agent and a legislative agent for Big I Kentucky described a shrinking market in which some small dealers cannot find coverage at all, risking closure. Members asked about the meaning of garage liability, consumer protections, solvency concerns, and whether more competition could lower prices; witnesses said surplus lines carriers already operate in Kentucky, agents play an important vetting role, and errors-and-omissions coverage would apply to the agent. The bill was supported as a way to preserve dealer businesses and expand coverage options, and it passed the committee with favorable expression after roll call.