Transcript Highlights:

• I just returned from a research trip to the Museum of Modern Art in New York, where I worked earlier
• The Museum of Modern Art and other employers need critical thinkers who are excellent communicators,
• I mean, to have four former students that are employed at the Museum of Modern Art in New York is huge
• Right now, we are short nearly 5000 licensed social workers, just like my colleagues prior to me have
• My perspective comes from teaching students about the medieval origins of modern institutions in a Western

Bills: SB 37

Keywords: fetal development, education, public health curriculum, middle school, age-appropriate instruction

Transcript Highlights:

• licensed teachers. Thank you. licensed teachers. Thank you.
• harder for people to get their license. harder for people to get their license.
• becoming getting their license. Right. becoming getting their license. Right.
• mean you would know if they get licensed mean you would know if they get licensed because<00:58:
• specialists start licensing licensing specialists start licensing them<01:32:25.920> immediately.

Bills: HB2185, HB2621, HB2179, HB2534, HB2168, HB2427, HB2560, HB2565, HB2172, HB2298, HB2304

Keywords: sports officials, referees, umpires, athletic directors, school administrators, league administrators, coaches, assault, first-degree assault, substantial bodily injury, temporary restraining order, TRO, private counsel, Department of Education, DOE, sports safety, school sports, amateur athletics, professional sports, public schools

Transcript Highlights:

• current license holders are staying up on technologies.
• current license holders are staying up on technologies.
• These are foundational components of modern commerce.
• It will components of modern commerce.
• or professional professional licensing or professional professional licensing requirements. requirements

Keywords: 1187, senate, all

Transcript Highlights:

• The support provided by this bill will allow us to fully fund the equipment, teachers, and licensing
• It has to be a licensed teacher to teach these programs, so that is the bulk of the cost.
• This program has to be a licensed teacher to teach these programs, so that is the bulk of the cost.
• There are certain things that would have to be provided by a licensed teacher.
• of that money is for the licensed of that money is for the licensed teacher<01:36:09.320> to<

Keywords: 1187, senate, all

Transcript Highlights:

• legislatively established many years ago to bring about a statewide solution to school safety and to stay modernized
• Ultimately, a lack of modern fire alarm systems was identified as a major contributing factor for that
• connections to the fire department, no fire-resistant stairwells or heavy-duty fire doors, fire sprinklers, modern
• pain and a little bit of an inconvenience to have somebody meet them at the door and scan a driver's license
• pain and a little bit of an inconvenience to have somebody meet them at the door and scan a driver's license

Summary: The committee heard extensive testimony on Oklahoma school safety from Commissioner Tipton, OSSI director Mike Fike, OACTIC director Alan Young, OSBI lieutenant Isiles Keene, and Rogers County Sheriff Scott Walton. The main focus was a statewide school-safety framework built around response, prevention, and recovery. Witnesses described training law enforcement in the LASER active-shooter response model, adding A-TURK training for coordinated law enforcement/fire/EMS response, expanding run-hide-fight and Stop the Bleed instruction for educators and staff, conducting risk and vulnerability assessments, and using the Rave panic-button system and the ProtectOK tip app to speed reporting and dispatch. They also emphasized behavioral threat assessment and management (BTAM) teams as a prevention tool to identify and support at-risk students before violence occurs. Members asked about administrator and teacher training, school counselor involvement, how apps are deployed on personal versus school devices, and whether schools are actually using the programs. Witnesses said administrators, counselors, and SROs should be part of BTAM, that training is most effective when it is realistic and repeated, and that Rave is geofenced and typically invited onto devices by schools. Several members stressed that school leaders must buy in for safety plans to work, and one member raised concerns about traumatic training and the need for mental-health support as part of prevention. Witnesses said mental-health referral and monitoring are part of BTAM, but the school and local partners must manage the process. OSBI’s lieutenant added broader context, comparing school safety to fire safety and noting that Oklahoma still lacks some statutory requirements for intruder drills and stronger penalties for school threats. He also discussed possible future tools such as surveillance analytics, gunshot detection, ballistic-rated doors and walls, and better access controls, while warning that technology should supplement, not replace, basic safety systems and training. Sheriff Walton closed by describing rural response challenges and his foundation’s effort to place ballistic shields in schools and police cars, arguing that human resources and rapid communication remain the biggest gaps. No votes or formal actions were taken in the meeting.

Transcript Highlights:

• navigating the claims process is overwhelming, and they seek help from public insurance adjusters, licensed
• This team verifies contractor and adjuster licenses.
• We also finalized our Fair Plan modernization. We completed the rate application regulation.
• We also finalized our Fair Plan modernization plan.
• Modernizing the Fair Plan is crucial for maintaining a reliable safety net that customers can depend

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Transcript Highlights:

• not for a while now but I was a licensed not for a while now but I was a licensed real<01:01:56.559
• <01:15:49.400> from that they have a driver's license from that they have a driver's license
• If you don't have a driver's license, where would your driver's license be?
• driver and they can't renew licensed driver and they can't renew their<01:39:07.000> license<
• <01:39:16.960> who they don't have a driver's license who they don't have a driver's license

Keywords: 1191, senate, all

Transcript Highlights:

• <00:03:19.480> And license or seeing prosecution. And license or seeing prosecution.
• Why licensed educator? There's a lot of people that would fit this criteria that aren't licensed.
• Why licensed educator? There's a lot of people that would fit this criteria that aren't licensed.
• And I think you have a good point, especially about licensed.
• The move to online license initial license and licensure renewal has been a very big deal for our members

Keywords: 1187, senate, all

Transcript Highlights:

• Modern vehicle glass now has advanced technologies and components that require specialized installation
• Colleagues, in 2012, California led by becoming the first state in the country to ban licensed mental
• Hello, I'm a licensed psychologist. My name is Doug Novotan.
• So the actual associations who represent the licensed mental health professionals who are covered by
• So if a licensed counselor verbally affirms a minor patient's biological sex and discourages medical

Keywords: 988, house, all

Transcript Highlights:

• This bill updates statute to reflect modern terminology found in the American Diabetes Association's
• Madam Chair, members, House Bill 2251 authorizes licensed midwives with specific pharmacology training
• Additionally, the bill requires licensed midwives to disclose their professional liability insurance
• It also establishes annual reporting requirements for licensed midwives to DHS, and the bill creates
• and streamlining the format for reporting births attended by licensed midwives as the primary provider

Keywords: 1182, all

Summary: The committee first took up House Bill 2307, as amended, which would require the Department of Health Services to contract with out-of-state secure mental health facilities when Arizona beds are unavailable for certain involuntary commitment cases involving defendants found dangerous and incompetent. The sponsor and supporters framed it as an emergency stopgap to prevent individuals who are deemed non-restorable from being released because Arizona lacks secure behavioral health beds, while opponents argued it would raise due process, disability rights, family access, and cost concerns, and questioned whether the state could even implement such interstate placements. After debate, the committee adopted the strike-everything amendment and advanced HB 2307 on a 6-5 due pass vote. The committee then heard House Bill 2083, which updates diabetes-related coverage language in health plans to include newer devices and supplies such as continuous glucose monitors, insulin pumps, and smart insulin pens. Supporters said the bill modernizes outdated statutes and improves access and outcomes for people with diabetes, while an insurer representative offered soft opposition, warning that writing these items into statute could create a state mandate and potential cost exposure, especially if the language is read to include GLP-1 medications. The committee adopted the strike-everything amendment and moved HB 2083 forward on an 11-1 due pass vote. Next, House Bill 2673 was heard, addressing mental health screening and treatment for incarcerated people. The sponsor said the bill was being reworked into a study committee concept after stakeholder feedback, but the underlying proposal would require prompt evaluation of prisoners showing mental disorder symptoms and faster referral for treatment. A family member testified about her son’s severe deterioration in jail and death, while an attorney opposed the bill as overbroad and legally problematic. Despite the sponsor’s indication that the bill would become a study committee, the committee voted 12-0 to give HB 2673 a due pass recommendation. The committee also advanced House Bill 2923, which revises timelines, procedures, and notice requirements for judicial review of court-ordered mental health treatment; supporters said it clarifies outdated language and improves communication with families, while opponents argued it shifts burdens onto patients and could prolong confinement. HB 2923 also received a 12-0 due pass vote.

Transcript Highlights:

• you consider the removal of the front license plate on vehicles?
• That's really not related to this bill. have front license plates.
• I don't see the need for their license plate on the front.
• and transfer of license plates. to Senate Bill 1902.
• So whether all those are licenses sell this or not, probably not.

Bills: SCR5, SCR13, SB3, SB6, SB10, SB12, SB13, SB15, SB17, SB18, SB19, SB24, SB35, SB57, SB65, SB112, SB284, SB290, SB388, SB400, SB402, SB412, SB495, SB499, SB502, SB509, SB621, SB706, SB740, SB815, SB842, SB854, SB875, SB893, SB917, SB974, SB1025, SB1061, SB1073, SB1106, SB1268, SB1281, SB1300, SB1362, SB1379, SB1447, SB1451, SB1555, SB1902, SJR36, SJR12, SCR13, SCR25, SCR5, SCR22, SCR12, SCR24, SB495, SB412, SB10, SB18, SB565, SB372, SB842, SB765, SB62, SB19, SB666, SB707, SB888, SB687, SB706, SB847, SB290, SB13, SB1248, SB740, SB14, SB1006, SB504, SB917, SB925, SB388, SB1902, SB1121, SB995, SB857, SB305, SB296, SB284, SB35, SB6, SB815, SB3, SB1281, SB1379, SB1300, SB1497, SB1499, SB1498, SB1451, SB1061, SB15, SB65, SB241, SB304, SB402, SB499, SB621, SB974, SB1023, SB1024, SB1025, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB17, SB1119, SB1505, SB12, SB24, SB57, SB1194, SB1253, SB1215, SB1532, SB1268, SB1302, SB856, SB650, SB583, SB673, SB840, SJR57, SCR8, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415

Keywords: SCR 5, Senate Concurrent Resolution 5, Texas School for the Deaf, TSD, Robert Rives, gymnasium naming, building naming, honorary resolution, commemorative resolution, deaf education, hard of hearing, Gallaudet University, alumni hall of fame, football coach, school facility naming, education K-16, State Affairs, Texas Legislature, public school tribute, water rights

Bills: SCR5, SCR13, SB3, SB6, SB10, SB12, SB13, SB15, SB17, SB18, SB19, SB24, SB35, SB57, SB65, SB112, SB284, SB290, SB388, SB400, SB402, SB412, SB495, SB499, SB502, SB509, SB621, SB706, SB740, SB815, SB842, SB854, SB875, SB893, SB917, SB974, SB1025, SB1061, SB1073, SB1106, SB1268, SB1281, SB1300, SB1362, SB1379, SB1447, SB1451, SB1555, SB1902, SJR36, SJR12, SCR13, SCR25, SCR5, SCR22, SCR12, SCR24, SB495, SB412, SB10, SB18, SB565, SB372, SB842, SB765, SB62, SB19, SB666, SB707, SB888, SB687, SB706, SB847, SB290, SB13, SB1248, SB740, SB14, SB1006, SB504, SB917, SB925, SB388, SB1902, SB1121, SB995, SB857, SB305, SB296, SB284, SB35, SB6, SB815, SB3, SB1281, SB1379, SB1300, SB1497, SB1499, SB1498, SB1451, SB1061, SB15, SB65, SB241, SB304, SB402, SB499, SB621, SB974, SB1023, SB1024, SB1025, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB17, SB1119, SB1505, SB12, SB24, SB57, SB1194, SB1253, SB1215, SB1532, SB1268, SB1302, SB856, SB650, SB583, SB673, SB840, SJR57, SCR8, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415

Keywords: SCR 5, Senate Concurrent Resolution 5, Texas School for the Deaf, TSD, Robert Rives, gymnasium naming, building naming, honorary resolution, commemorative resolution, deaf education, hard of hearing, Gallaudet University, alumni hall of fame, football coach, school facility naming, education K-16, State Affairs, Texas Legislature, public school tribute, water rights

Transcript Highlights:

• in the letter related to um modernizing in the letter related to um modernizing u<01:11:18.159><
• factors that drive cost um the licensing factors that drive cost um the licensing of<01:12:48.640
• > a really implicit if I were to license a really implicit if I were to license a platform<01:13:
• that cost is is the software licensing that cost is is the software licensing as<01:13:14.080>
• >> I don't believe it's a licensing >> I don't believe it's a licensing function<02:

Keywords: 1189, house, all

Transcript Highlights:

• I'm a licensed professional engineer and director of Austin water on behalf of Mayor Watson and City
• Bill 5320 consolidates and modernizes local water governance in Stark County by merging the Stark County
• will evaluate groundwater production. conditions across across South Texas counties and providing modern

Bills: HB1523, HB2109, HB2694, HB3525, HB3898, HB4646, HB5188, HB5219, HB5320, HB5651, HB5655, HB5659, HB5662, HB5672

Keywords: aquifer conservation, Class V injection well, environmental regulation, groundwater protection, municipal water supply, temporary prohibition, water management, reservoir construction, state water plan, Texas Water Code, environmental impact, Brazoria Drainage District, commissioners, elections, vacancies, resignation, HB 3525, North Texas Groundwater Conservation District, groundwater permit, permit amendment

Transcript Highlights:

• The amendment is similar to the underlying bill and provides guidelines to help modernize and strengthen
• It's a modern-day form of slavery that preys on the vulnerable.
• diagnosis, but also include children with an individual family support plan, documentation from a licensed

Summary: The Appropriations Committee on Pre-K-12 Education met and considered a wide range of education-related bills, with most measures receiving favorable reports. Early in the meeting, the committee approved CS/SB 754 on International Baccalaureate bonus funding, CS/SB 1122 on Florida Virtual School updates, and CS/SB 430 requiring public schools to adopt cardiac emergency response plans, train students and staff in CPR/AED use, and maintain accessible AEDs. Testimony on the cardiac bill came from the American Heart Association and the Florida chapter of the American College of Cardiology in support, and the chair noted a survey suggesting many districts already have AEDs in schools. The committee also approved CS/SB 1528 on educational opportunities for military children, which expands coordination and training under the interstate compact, and CS/SB 364, which would move the Council on the Social Status of Black Men and Boys from the Department of Legal Affairs to Florida Memorial University for research and administrative support. The committee then adopted amendments and favorably reported CS/SB 1590 on educator preparation, which modernizes teacher standards and certification pathways, including updates to FEAPs, a revised teacher exam, and an alternative certification program. The SPLC testified in opposition to part of the bill, arguing that language on historical instruction and systemic racism was contradictory and could limit accurate teaching of history. The committee also approved CS/SB 1702 on education, incorporating a wireless-device-in-schools pilot and other education provisions, with support from the Florida Charter School Alliance and others. CS/SB 444 on human trafficking awareness was amended to require no-cost training for school employees and charter schools; FSU law students testified in support, emphasizing the need for school personnel to recognize trafficking indicators. The committee also approved CS/SB 650 on hazardous walking conditions, expanding transportation eligibility for students walking near limited-access facilities, though members noted the bill carried an indeterminate fiscal impact and no dedicated funding. Later, the committee favorably reported CS/SB 1102 on school readiness, which expands how disabilities can be identified for early learning services and ties additional funding to training on early identification of delays. It also approved SB 1382 on access to school readiness programs for economically disadvantaged households, revising eligibility and priority tiers to use state median income rather than federal poverty level and refining the waitlist and forecasting process. Several members recorded votes on bills they had missed during the meeting, and the committee adjourned after reporting all of the above measures favorably.

Transcript Highlights:

• SO DEFINING THE ROLE OF MANAGEMENT COMPANIES OVER 63% OF THE LICENSED CCRC'S IN FLORIDA HAVE A MANAGEMENT
• ARE UTILIZED BY OUR DEPARTMENTS, THEIR EMBRACE BY LABOR, MANAGEMENT AND SO AS IT BECAME TIME TO MODERNIZE
• MAIN CAUSES, IF NOT THE MAIN CAUSE OF CANCER SCOURGE AMONG FIREFIGHTERS WHEN THEY BECOME TIME TO MODERNIZE

Keywords: 999, senate, all

Transcript Highlights:

• 42:31 that requires anyone in the state to make it over $100,000 that you have to get a driver's license
• at such salary, provide proof to the public employer that he has been issued a Louisiana driver's license
• at such salary, provide proof to the public employer that he has been issued a Louisiana driver's license
• This is about modern... This is not about removing oversight.
• This is about modernizing delivery while keeping every safeguard in place.

Bills: HB248, HB249, HB997, HB1052, HB1193, SB1, SB161, SB218, SB220, SB289, SB435

Keywords: Compensation Commission, elected officials, salary evaluation, government accountability, Louisiana legislature, compensation, independent commission, salary adjustment, consumer price index, official journal, public notices, government transparency, local government, municipal website, school board notices, parish council, police jury, special districts, levee district, drainage district

Summary: The committee first heard Senate Bill 1, which would authorize electronic voting by public bodies under the Open Meetings Law and apply the change retroactively to validate prior electronic votes. Senator Jenkins said the bill would align the law with current practice and reduce litigation risk; members asked about best practices for announcing votes and recording them in minutes. The committee reported SB 1 favorably without objection. House Bill 1052 by Representative Spell was then heard and reported favorably. The bill would exempt certain child advocacy center and multidisciplinary investigative team records—such as forensic interviews, medical records, and related work product—from public records disclosure. Testimony from child advocacy advocates emphasized protecting sensitive child abuse investigation materials, limiting disclosure through in-camera review and protective orders when records are needed in court, and preventing misuse of records in civil or custody disputes. The committee also considered Senate Bill 289, as amended, dealing with confidentiality of certain university records in public records requests. Senator Abraham’s amendments narrowed and clarified protections for applicant materials, donor confidentiality, proprietary research, and industry negotiations, while preserving disclosure of top finalists and limiting confidentiality periods for some negotiations. The amended bill was reported favorably. Senate Bill 218, allowing the State Board of Election Supervisors to approve alternative election-official certification training programs, and Senate Bill 220, a technical correction regarding the official journal of the state, were also reported favorably. Senate Bill 161, repealing a 2013 requirement that certain high-salary unclassified state employees register vehicles in Louisiana, was reported favorably after questions about its scope. House Bill 1193, authorizing CPRA to use indefinite delivery/indefinite quantity construction contracts for smaller maintenance and emergency-related coastal projects, was amended to make proposal materials unavailable for public inspection until selection is complete and to clarify the bill does not apply to design-build contracting; it was then reported favorably as amended. House Bill 249, which would have created a constitutional compensation commission to set compensation for elected officials with CPI-based adjustments, failed on a roll-call vote of 6 yeas and 9 nays. Because the constitutional amendment failed, the companion enabling bill, House Bill 248, was deferred. The committee also heard House Bill 997 on local government public notices on websites; after amendments narrowing the bill to parishes, municipalities, and school boards, members continued debating it, with supporters arguing it would reduce duplicate publication costs and opponents raising concerns about public notice transparency and newspaper access.

Transcript Highlights:

• license regime since 2015. no surprise. license regime since 2015. no surprise.
• digital asset kiosk licensing regime. digital asset kiosk licensing regime.
• We are not sure who would take a Hawaii license versus a New York license or an OCC license. our examiners
• <01:18:03.199> or<01:18:03.440> an license versus a New York license or an license
• versus a New York license or an OC<01:18:04.159> license.

Keywords: 912, senate, all

Summary: The Hawaii State Senate Committee on Commerce and Consumer Protection held an informational briefing on digital assets, blockchain, and related regulatory developments. Chair Jarrett Keohoko said the committee was focusing on national and state policy issues around digital assets, while leaving the separate issue of Bitcoin kiosks and fraud to the House Consumer Protection Committee, which had already noticed a similar briefing. No public testimony was taken; the session was for informational updates and member questions. Representatives from the Aptos Foundation, including JC Yun and Michael Cheng, gave a detailed presentation on blockchain basics and Aptos’s technology. They described blockchain as a tamper-resistant digital ledger, explained proof-of-work and proof-of-stake systems, and argued that proof-of-stake networks are faster, cheaper, and more environmentally friendly. They also emphasized smart contracts and potential uses beyond speculation, such as car titles, college transcripts, collectibles, digital IDs, real estate, and other tokenized assets. The presenters highlighted Aptos’s Hawaii connections and said the technology could help local residents and businesses participate in the digital economy. They cited adoption statistics, including billions of transactions on Aptos, tokenized money market funds from major financial firms, micro-lending applications, decentralized cloud infrastructure, and the rapid growth of stablecoins. They acknowledged concerns about scams and consumer protection, but argued that the answer is stronger regulation and education rather than avoiding the technology altogether.

Transcript Highlights:

• Uh, Senate File 4540,<00:01:30.240> uh,<00:01:30.400> licensing<00:01:30.880> and
• ><00:01:31.040> enforcement 4540, uh, licensing and enforcement 4540, uh, licensing and enforcement
• <00:03:35.599> So,<00:03:35.840> we licensing. That's in finance.
• So, we licensing. That's in finance.
• that's the first step in modernizing that's the first step in modernizing telephone<00:10:35.279

Keywords: 1187, senate, all

Transcript Highlights:

• But when the DIF needs to modernize, we support it, and when we need to modernize, we support it too,
• And if we're going to survive for another 65 years, we need to modernize our statute and we need every
• And if we're going to survive for another 65 years, we need to modernize our statute and we need every
• We have done, over the years, as you know, banking modernization bills, credit union modernization bills
• That allowed me to reinstate my driver's license after 15 years of not being able to drive.

Keywords: 995, all

Summary: The Joint Committee on Financial Services heard testimony on several bills focused on financial security, banking regulation, and payment-card fees. Treasurer Deborah Goldberg supported the Massachusetts baby bonds proposal (H. 48) and also endorsed bills on matched savings (H. 1158/S. 737) and retirement planning/Secure Choice (H. 1143/S. 722), arguing these measures would help address wealth inequality, build assets, and improve retirement readiness. Supporters of baby bonds included policy experts and health advocates from Children’s Health Watch and Boston Medical Center, who said early-life asset building could improve long-term economic and health outcomes for children in low-income families. AARP also urged passage of the retirement planning bill, citing the large share of private-sector workers without access to an employer retirement plan. Representative Donato testified for H. 1143, describing it as a voluntary retirement-savings opportunity for workers at small employers. The committee also heard testimony on H. 3933, concerning the Massachusetts Credit Union Share Insurance Corporation, from former Bank Commissioner Mike Hanson, who defended the state’s full deposit insurance system for credit unions and savings institutions as a longstanding consumer-protection model. The Massachusetts Bankers Association raised concerns about the bill’s technical provisions and broader credit union/bank competitive issues, while the Cooperative Credit Union Association supported related legislation allowing modest compensation for credit union directors (S. 821/H. 1338) and flexibility for state financial institutions to grow through partnerships (S. 723). Bankers opposed those credit union bills, arguing they would upset a level playing field and blur long-standing distinctions between banks and credit unions. A major portion of the hearing focused on H. 1259/S. 688, which would prohibit card interchange fees on the tax and gratuity portions of restaurant transactions. Restaurant owners and the Massachusetts Restaurant Association testified in favor, saying the fees are a significant and growing expense, especially as most customers now pay by card; they argued the bills would save restaurants money without affecting state revenue. Credit union, banking, and payments-industry representatives opposed the bills, saying interchange helps fund fraud protection and payment infrastructure, that the proposal would create compliance burdens and likely litigation, and that it would mainly affect Massachusetts-chartered institutions while national banks could be preempted. Committee members noted that a commission on payment-card fees is being established and said the issue would be studied further. The hearing also included support for a separate bill on virtual credit cards for dental providers, with dentists saying automatic virtual-card payments impose hidden processing fees and fraud risks.