Video & Transcript Research : 'background study'
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MN
Transcript Highlights:
- We would update our systems to ensure that all providers would clear a background study prior to enrolling
- <00:10:58.920>
study <00:10:59.360>prior <00:10:59.600>to would clear a background - study prior to would clear a background study prior to enrolling<00:11:00.160>
in <00:11:00.279 - <00:26:04.080>
to <00:26:04.240>help <00:26:04.440>us would conduct a study - to help us would conduct a study to help us understand<00:26:05.640>
um <00:26:05.919>how
HI
Transcript Highlights:
- It does specifically meet that need, and that could also be in your price and compensation study that
- in your price and >> and that could also be in your price and compensation<00:25:18.480>
study - that you could factor compensation study that you could factor in. in. in.
- These guidelines failed to account for demographics, age, sex, cultural background, and job demands.
- She said the guidelines failed to account for demographics, age, sex, cultural background, and job demands
Summary:
The joint hearing of the Senate Committees on Labor and Technology and Public Safety and Military Affairs considered three bills. SB 2141 would reclassify certain Department of Law Enforcement leadership and employees as Class A members for retirement purposes and adjust retirement benefit calculations. DLE supported the bill, saying it would address retirement classification without enhancing benefits, while the Employees’ Retirement System said it had no formal board position but wanted key provisions preserved. The Deputy Attorney General raised a potential title/subject issue and warned the bill could be vulnerable to challenge because the reclassification, contribution changes, and benefit calculations are in separate statutory sections. After questions about the number of affected employees and possible amendments, the committees deferred the bill.
SB 2593 would exempt certain Law Enforcement Standards Board positions from civil service and collective bargaining. The board’s administrator said the positions would handle sensitive and confidential information and require specialized experience, and the board chair’s representative said the bill was important to meet certification deadlines. Opposition testimony from HGA argued exempt employees are at-will and suggested civil service protections should remain, with any staffing issues handled through reclassification or other personnel tools. Committee members questioned whether the positions could instead be civil service but excluded from bargaining, and staff explained the distinction between civil service exemption and collective bargaining exclusion. The committees ultimately recommended passing SB 2593 with amendments, including a deferred effective date of January 1, 2077, and the recommendation was adopted.
SB 2824 would create a bribery-related reporting duty for public servants. Supporters, including Indivisible Hawaii, said it would establish a clear duty to report known or suspected bribery and strengthen public trust. The Office of the Public Defender opposed the bill, saying it would criminalize an affirmative duty to report another person’s misconduct. After limited discussion, both committees voted to pass SB 2824 with amendments, including a deferred effective date of July 1, 2050, and the recommendation was adopted. The meeting then adjourned.
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 04/14/26
Commerce and Consumer Protection
Transcript Highlights:
- There's a Connecticut study that is a tracking study in Connecticut that shows that they've been doing
- <01:07:46.480>
shows <01:07:46.920>that study in Connecticut that shows that study - <01:15:13.000>
that um you know, research or studies that um you know, research or studies - >
by <01:20:38.560>Siena A study released yesterday by Siena A study released yesterday - referenced this study earlier. referenced this study earlier.
KY
Kentucky 2025 Regular Session
House Standing Committee BR Sub. on Justice, Public Safety, & Judiciary (3-4-25)
Transcript Highlights:
- I know that you don't take lightly that quality representation studies will show that quality representation
- , by its very nature, the way their offices are set up, and this is where a little bit about my background
- As a little bit of background, and I maybe should have started with this, I think the chief and I have
- And I think actually the study from Kenton County came from some inquiries that I asked about a decade
- And I think actually the study from Kenton County came from some inquiries that I asked about a decade
Summary:
The subcommittee met to discuss the guardian ad litem system, including appointment qualifications, training, payment, and whether any changes are needed. Roll was called, the February 25, 2025 minutes were approved, and the chair emphasized that the meeting was informational only and no vote would be taken. Representatives from the Court of Justice, including Chief Justice Deborah Henry Lambert and several family and district judges, testified about how the system has evolved since concerns raised in 2019 about overappointment and fees.
Court witnesses said the judiciary responded to earlier concerns by requiring open appointment lists of trained and qualified attorneys, improving training, and increasing oversight of fee orders. They reported that statewide GAL fees have fallen from a little over $14 million in 2019 to about $12 million, even as caseloads have grown, and said the average payment works out to about $650 per case, with the statutory cap for trial-level GAL fees still set at $500 since 1986. They argued that the current local appointment model works well, especially in rural areas, and warned that moving to a DPA-style regional model would create serious scheduling and conflict problems because of overlapping dockets and related criminal cases.
Judges from rural districts described shortages of available attorneys, high burnout, travel burdens, and the difficulty of finding enough counsel in smaller counties. They also said the Court of Justice cannot seek certain federal Title IV-E reimbursements, but urged the legislature to encourage the Finance and Administration Cabinet and the Cabinet for Health and Family Services to pursue that funding through an MOU. One judge noted that some appointed attorneys are effectively underpaid relative to private rates and that better compensation would help attract and retain lawyers.
The discussion also covered training standards adopted after the 2019 audit. Witnesses said Rule 37 now requires initial training and four hours of multidisciplinary continuing training every two years, with topics including child development, trauma-informed care, substance use, child welfare, forensics, ethics, and communication with clients. They said the Court of Justice has offered in-person regional trainings and remote options, and that the goal is to keep qualified attorneys on the appointment lists while improving representation for children and parents in dependency, neglect, abuse, and termination-of-parental-rights cases.
MN
Minnesota 2025-2026 Regular Session
Committee on Agriculture, Veterans, Broadband and Rural Development - 03/23/26
Agriculture, Veterans, Broadband, and Rural Development
MN
Minnesota 2025-2026 Regular Session
Committee on State and Local Government - 03/10/26
State and Local Government
Transcript Highlights:
- We can simply do the background check and issue them a license.
- We can simply do the background check and issue them a license.
- So someone's coming in from a member state without the paperwork they could get that background check
- We can simply do the background check and issue them a license.
- paperwork they could get that background paperwork they could get that background check<01:30:40.920
OK
Oklahoma 2026 Regular Session
Rethinking Paying Subminimal Wage to Persons with Disabilities Task Force REVISED- Agenda Added Jun 25th, 2026
Transcript Highlights:
- not too bad, we commissioned a study in Oklahoma to ask lots of different questions about how people
- We commissioned a study in Oklahoma to ask lots of different questions about how a study in Oklahoma
- He's part of these two guy groups and Bible study groups.
- And you are such colorful, great background stories and all these people that you guys work with.
- And you are such colorful, great background stories and all these people that you guys work with.
Summary:
The meeting focused on integrated employment and related services for people with intellectual and developmental disabilities, with testimony from several provider agencies and state officials. Robin Arder and Belinda Stevens of ThinkAbility described how their organization supports people through residential services and self-created businesses because community employers often are not ready to hire people with disabilities. They said rigid service rules, difficulty fitting individuals into existing job definitions, and reimbursement requirements can prevent person-centered employment supports. They also reported that, in their experience, employees had not lost benefits when work was coordinated carefully with Social Security and benefits management.
Tina Hannah of South Central Industries described a broad business model that includes manufacturing, janitorial and highway contracts, state-use products, a food truck, and an entertainment trailer, along with an adult day program and residential services. She said the organization uses a temp-service style model to make employers more comfortable and noted barriers such as employer concerns about productivity, lack of awareness of tax credits and accessibility resources, and the need for consistent job coaches. Miranda Figueroa of A New Leaf said her agency is moving toward a more person-centered model, including a Transition Academy for young adults that combines independent living instruction, community college classes, internships, and follow-along support; she said the program has an 85% placement rate but is expensive and not eligible for traditional student aid because it is not accredited. She also cited barriers including dual diagnoses, workforce readiness, and low reimbursement rates.
Angela Decker and Deborah Copeland of DRTC described their long-running enclave contracts and a new Community Skills and Connection program that uses interest-based cohorts, community exploration, and volunteer experiences to build skills and networks tied to employment. They said the agency is phasing out its 14(c) subminimum wage certificate by the end of the year and is trying to expand community-based opportunities. DRTC and other providers emphasized the need to blend DDS and DRS services more effectively, reduce restrictive rules such as line-of-sight requirements, and better support people in congregate living settings. DRS representatives said the agency does provide school-based transition services, employer accommodations, and job carving support, and noted federal reporting requirements tied to wage outcomes.
Members also discussed safety concerns, employer education, data collection, ABLE accounts, and the role of schools in preparing students for work and community life. The co-chairs proposed organizing the task force into three working groups: in-school/transition services, program support and service blending, and community integration/employer engagement. No votes were taken, and the meeting ended with plans for further working-group discussion and follow-up on data and policy ideas.
TX
Transcript Highlights:
- Our groundwater study shows that our wells are going to dry up by 2042, half of them, if we don't stop
- I mean, have you all done a study or anything to suggest that?
- With the University of Texas, studying the relationship between different types of housing typologies
- And these policies have a really dark background.
- To address more than a third of the supply shortage we have, that AEI study found that in Dallas, we
Keywords:
affordable housing, land use, zoning, urban planning, community development, housing crisis, mixed-use development, sustainability, municipal utility district, board of directors, qualifications, land ownership, Texas, taxation, residency, municipal approval, subdivision plans, local governance, plats, local government
MN
Minnesota 2025-2026 Regular Session
High Subsidy Transit Routes report 2/18/26
Minnesota House Floor Meeting
Transcript Highlights:
- This study then, as the chair mentioned, is a product of the transportation bill in 2025.
- <00:03:07.360>
This <00:03:07.599>study <00:03:08.000>then <00:03:08.720> - This study then uh our transit system.
- Uh high subsidy tabulated in this study.
- Um and I mean this is a first stab study Um and I mean this is a first stab study and<00:53:58.720
Summary:
The committee heard a Met Council report from Charles Carlson on high-subsidy transit route analysis required by the transportation bill. Carlson explained that the study uses per-passenger operating subsidy, compares routes by type and service day, and is intended to help providers improve cost-effectiveness while recognizing transit’s importance for access, affordability, safety, and the region’s economy. He noted that routes more than 60% above peer averages are considered the highest-subsidy tier, and that the report also estimates the cost of Metro Mobility associated with those routes.
Members asked several questions about why contracted service can cost less than directly operated service, whether contracting affects wages, union membership, or service quality, and why the Met Council targets about 20% of regular route service for contracting. Carlson said contracted service can be cheaper because of lower overhead and other market factors, that the council sets minimum wage and service-quality requirements in contracts, and that customers should not notice a quality difference. He also said the 20% target is meant to balance cost-effective service, geography, and a mix of providers, and that some routes may become more cost-effective with more frequent service depending on local demand.
Carlson reported that in 2024, 206 of 264 routes met guidelines, 16 were in the lowest intervention tier, 14 in the middle tier, and 28 were in the highest-subsidy tier. He said the regional share of high-subsidy service was about 4.1%, but the share varied widely by provider, with some at 0% and others much higher. He estimated that discontinuing the highest-subsidy routes would save about $23 million annually and up to $72 million in capital costs. For Metro Mobility, he said the cost associated with trips tied to high-subsidy routes rose from about $368,000 in 2023 to about $6.1 million in 2024, largely because the mix of routes triggering federally mandated paratransit service changed, especially in the Shakopee area.
TX
Transcript Highlights:
- But I can tell you with certainty, some of those conversations and you hear the background noise, you
- Years in the pandemic, they they've done several studies through their universities just. to figure out
- I couldn't agree with you more and I am glad you brought that study up. It's going to grow.
- But a Creighton pointed out, it's been studied and studied by a lot of people, that there's not much
- Just a little bit of background between 2019 and 2023.
TX
Transcript Highlights:
- Madam Chair and members, Senate Bill 1908 relates to a study by the Coordinating Board on the feasibility
- This study reflects a recommendation of the board's Texas Healthcare Workforce Task Force, and the bill
- generally would direct the Higher Education Coordinating Board to study the feasibility of developing
- all private school employees rather than just educators and remove the reference to disclosing background
- , others' cultural backgrounds, that were the reason for that shift over time, and we will not be able
Summary:
The Committee on Education K-16 heard several bills focused largely on special education transparency, school safety, and student support services. Senate Bill 1908, by Senator Zaffirini, would direct the Higher Education Coordinating Board to study the feasibility of a statewide system for coordinating clinical training placements, including regional portals for healthcare clinical slots, with a report due by December 1, 2026. A representative of the Texas Nurses Association and the Nursing Legislative Agenda Coalition testified in support. The bill was left pending subject to the call of the chair.
The committee then took up Senate Bill 111, by Senator Hall, which in its committee substitute was narrowed to a reporting bill requiring school districts to disclose legal proceedings involving special education due process complaints when legal fees exceed $10,000, rather than capping spending. Several parents and advocates testified that districts spend large sums on litigation against families of children with disabilities and that greater transparency is needed; some senators raised concerns about unintended consequences, including possible pressure to settle cases. The committee adopted the substitute and left the bill pending. The committee also heard Senate Bill 1551 on automated external defibrillators in public schools, Senate Bill 865 on CPR instruction requirements for certain volunteers, Senate Bill 1032 on the Governor’s University Research Initiative, and Senate Bill 571 on school employee misconduct reporting and access to the Do Not Hire Registry; each was reported favorably after committee substitute adoption and roll-call votes.
Additional bills discussed included Senate Bill 1884, which would formalize and expand dedicated staff support for the State Board of Education and give the board chair hiring authority over that staff; members questioned whether it duplicated TEA functions, while a witness argued the workload increase justified the change, and the bill was left pending. Senate Bill 625 would replace the current half-credit economics requirement with a half-credit in personal financial literacy; educators and advocates strongly supported making the course required, and the bill was left pending. Senate Bill 582 would make TEA settlement agreements in special investigations publicly available when sanctions are imposed, and Senate Bill 2600 would bar transportation fees for students living within two miles of campus unless districts do not receive state transportation funding; both were left pending. The committee also heard Senate Bill 2751, which would require TEA inspections of non-public special education programs to consider medical standards of care and crisis-prevention training; testimony from a program operator described severe student behaviors and the need for more flexibility, and the bill was left pending after the substitute was adopted.
CA
California 2025-2026 Regular Session
Assembly Human Services Committee Apr 29th, 2025
Transcript Highlights:
- A 2023 Little Hoover Commission study highlighted the lack of consistency in the vendorization process
- , as there is a precedent for any additional certification cost to be covered in the provider rate study
- check process and fee may discourage participation and The requirement for an additional background
- And I always think that when someone could get a background check or screening, especially someone who
- And so looking ahead, we've included a feasibility study to ensure that we keep improving this program
Summary:
The committee heard a series of child care, social services, immigrant support, disability services, and language access bills, with many measures drawing strong support and no opposition. Early in the hearing, AB 450 proposed a Department of Aging task force to study and recommend policies for undocumented adults age 55 and older; AB 593 would let CDSS identify data-sharing opportunities to improve CalFresh administration and participation; and AB 904 would clarify child care subsidy eligibility so families do not lose care during pregnancy leave, family leave, caregiving, or job search periods. All three were presented as ways to reduce barriers and improve access to essential services, and AB 904 was moved out on a 1-0 call after support testimony from child care advocates and a member of the public. AB 617, which would expand and standardize respite care access for people with intellectual and developmental disabilities by requiring licensing and registry participation, drew both support and significant opposition from respite providers and disability service organizations concerned about added regulation, cost, and possible delays; the author said she would continue working with opponents, and the bill was moved out on a 2-0 call.
The committee also heard AB 1220, which would require regional centers to document denials, notices of action, and appeals in individual program plans and include that data in annual reports to improve transparency and equity in developmental services. The bill drew extensive public support from parents, advocates, and disability organizations, with no opposition, and passed 5-0. AB 752 would make child care centers by right in certain residential zones when co-located with multifamily housing or institutional uses, and supporters argued it would reduce zoning barriers and help expand child care capacity; it also passed 5-0. AB 1242 would create a CalHHS language access director, require human review of machine translation, and improve language coverage determinations for state and local agencies; supporters emphasized health equity and the need for better access for limited-English communities, and the bill was moved out on a 4-0 call.
Later, AB 548 would continue and expand the Asylee and Vulnerable Non-Citizen Program, which provides case management and integration services for asylees and certain visa holders; supporters said the program had been effective but had run out of funding, and the bill passed 4-0. AB 495, the Family Preparedness Plan Act, would strengthen family safety planning for immigrant families, standardize acceptance of caregiver authorization affidavits, and create a joint guardianship process for temporary separations; testimony focused on fear of family separation and the need for clear school and medical procedures, and the bill passed 4-0. AB 1357 would exclude guaranteed income payments from being counted as income for state public assistance eligibility, with supporters arguing it would prevent recipients from falling off the “benefits cliff”; it passed 4-1. Finally, AB 1201, the Reunity Act, was introduced to require individualized court assessments before denying reunification services to parents with certain violent felony convictions after a five-year period, with the author and a witness describing the bill as a trauma-informed approach to family reunification.
WA
Washington 2025-2026 Regular Session
Select Committee on Pension Policy Jun 17th, 2025
Select Committee on Pension Policy
Transcript Highlights:
- And that is the actuarial study—the left one study plan in the House. A lot of us didn't...
- one study plan...
- With the actuarial study of the left one study plan. Mr.
- Vice Chair, may I ask exactly which study you're referring to?
- Some of them are thinking COLA in terms of the study that we have, but COLA is not included in that study
Summary:
The committee approved the May minutes by roll call vote and then received brief updates from the Attorney General’s office and the Office of the State Actuary. The AG’s office said it would handle legal analysis related to the committee’s work, while the actuary reported that staff were at capacity this summer due to annual valuation work, experience studies, and other retirement system projects, but would have more capacity in the fall. Members also requested access to fiscal note and actuarial materials related to the LEOFF 1 study and related legislation.
The main discussion focused on the LEOFF 1 study, including actuarial funding, a proposed merger/termination/restatement approach, and the possibility of a permanent COLA for Plan 1 members. Several members supported keeping COLA recommendations in the committee’s work, while others raised concerns about whether merging or restating plans could affect benefits, legal status, or IRS tax treatment. The actuary explained that the temporary pause in certain funding rates reflected prior overfunding buffers and assumptions about future investment returns, and said future base-rate funding could still be needed depending on experience.
Members also discussed constituent correspondence, which staff said largely fell into four categories: the LEOFF 1 study, Plan 1 benefits and COLAs, fossil fuel divestment, and ESSB 5357. The committee agreed that divestment concerns are more appropriately directed to the State Investment Board, not this committee. In reviewing the draft interim work plan, members added or adjusted several topics for future meetings, including a July educational briefing on LEOFF 1 history and tax/IRS issues, a September discussion of COLAs, and a December placeholder for excess compensation/pension spiking, pending coordination with the LEOFF 2 Board. The committee then approved the July agenda and adjourned.
MN
Transcript Highlights:
- Teachers Association, and the Minnesota Council for the Social Studies to spread information through
- Teachers Association uh the studies Teachers Association uh the Minnesota<00:26:16.919>
Council - Minnesota Council for the social studies Minnesota Council for the social studies to<00:26:19.039
- As you said, I'm a co-author, and I have a lot of background with, well, Reading Core, but Math Core
- through their through their studies through their through their studies through<01:13:39.199>
Keywords:
HF1966, Minnesota Association of Alternative Programs, STARS program, alternative education, alternative programs, education finance, general fund appropriation, student support services, career readiness, employment skills, academic skills, social skills, student conferences, training grants, Minnesota Department of Education, specialized education, at-risk students, nontraditional education, HF54, Silver Lake
NH
Transcript Highlights:
- So when I think vetted fully studied.
- We have studied this bill to make sure that the costs are reasonable and that the sending school and
- We need time to study it. Forty-six states have open enrollment laws.
- <01:23:57.600>
it uh a new idea we need time to study it uh a new idea we need time to study - A study on detoxification cost savings.
NH
New Hampshire 2025 Regular Session
House Ways and Means (01/22/2025)
Transcript Highlights:
- There are several studies that actually show it's 40% to 45%.
- Dr. you know what... have the committee to study this oh oh have the committee to study this oh oh yeah
- look at that uh during the study look at that uh during the study committee<01:40:17.159>
this - So that’s the background.
- I urge you to look at this social impact study and think about it.
Summary:
The public hearing focused on HB 290, which would raise cigarette and e-cigarette/vaping taxes and create a committee to study tobacco and nicotine tax policy. Representative Jerry Stringham introduced the bill as both a public health and revenue measure, arguing that nicotine use causes health harms and public costs, and that New Hampshire’s cigarette tax has been unchanged at $1.78 per pack since 2013. He said the bill would raise the cigarette tax by $1 per pack to $2.78, still below most New England states, and would also adjust vaping taxes, which he described as having been set as placeholder rates in 2019. He said the bill would also establish a study committee to review broader tobacco and nicotine taxation, including products such as premium cigars.
In response to questions, Stringham said the proposed cigarette tax would be roughly equal in real dollars to the 2008 rate after inflation, and he suggested that a smaller annual increase could be considered, though he believed a larger increase would have a stronger public health effect. He explained that the vaping tax structure differs between closed and open systems because one taxes a fixed hardware product while the other taxes reusable liquid, and he said the proposal would move the rates toward a more uniform approach. He also said New Hampshire would remain below neighboring states even after the increase, though members raised concerns about cross-border shopping, business impacts, and preserving the state’s competitive advantage.
Several members questioned whether the bill’s main purpose was revenue or reducing smoking and vaping. Stringham said he viewed it primarily as a public health bill, but also as a revenue measure, and said he would consider it successful even if consumption fell enough to reduce revenue. Other members emphasized personal freedom and argued the committee should focus on taxation rather than cessation, while some supported the bill as a way to capture revenue from out-of-state buyers and keep New Hampshire’s rates below surrounding states. The hearing consisted of testimony and questions only; no vote or final action was taken in the excerpt provided.
MN
Transcript Highlights:
- year it's grown and drawn more people from around the state and truly brings people from various backgrounds
- Most of these soldiers came with little or no educational background.
- this results in educational background this results in less<00:30:39.240>
than <00:30:39.399>< - Richard Florida, an American urban studies theorist, once said, 'Where creativity goes, economic growth
- Richard Florida, an American urban studies theorist, once said, 'Where creativity goes, economic growth
MN
Minnesota 2025-2026 Regular Session
House Human Services Finance and Policy Committee 3/26/25
Human Services Finance and Policy
Transcript Highlights:
- Chair, I'd like to turn it over to Cameo Zender to give you some more background and to get into the
- A study by the National disabled.
- A study by the National Disability<01:09:42.319>
Institute <01:09:42.719>in <01:09:43.040 - She said she would provide background on the proposals in the bill.
- Um, our association along background.
NH
New Hampshire 2026 Regular Session
House Health, Human Services and Elderly Affairs (01/28/2026)
Health, Human Services and Elderly Affairs
Transcript Highlights:
- So far, we are aiming for clinical studies, but let me explain the background a little bit. >> Sure.
- That's a very clinical studies. That's a very important<00:23:08.320>
point. - <02:21:09.200>
So <02:21:09.359>you from patient patient background. - So you from patient patient background.
- <04:24:07.840>
in there been any step any studies in there been any step any studies in Oklahoma
NY
Transcript Highlights:
- So I wanted to start giving you a little bit of background.
- But with the appropriate consumer protections and privacy—I have a privacy background, so I understand—and
- That's my background. That's what I'm going to bring to DFS.
- Really, the focus on kind of the excess profit pieces are the authorities we have, but to study and to
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.