Transcript Highlights:

• focus on fostering creativity and imagination in our studio space, but as well as in some other flexible
• focus on fostering creativity and imagination in our studio space, but as well as in some other flexible
• spaces um that we some other flexible spaces um that we have<00:09:47.079> to<00:09:47.279>
• We established a veterans paver program in which anyone can honor U.S. veterans by purchasing a paver
• a p which is then engraved on purchasing a p which is then engraved on Memorial<00:43:35.480> Day

Keywords: 1187, senate, all

Transcript Highlights:

• We have to ask for approval for purchases that we want to make and salary schedules and those types of
• We have to ask for<01:58:14.719> approval<01:58:15.199> for<01:58:15.520> purchases<
• We have rank change their purchases.
• They all belong to what we call Purchase Pros, and that is the DBA of KEEDC.
• points are in there, where flexibility points are in there, where the<02:03:05.360> decisions

Keywords: Call to Order and Roll Call – 0:00:04 Approval of Minutes – 0:03:57 United Way of Southern Kentucky –0:04:30 Preschool Education – 0:36:46 School Safety Updates – 1:01:41 Kentucky Association of School Superintendents – 1:41:47 Educational Cooperatives – 1:55:18 Adjournment – 2:07:37, 958, all

Summary: The committee opened its sixth meeting of the 2025 Interim Joint Committee on Education, confirmed a quorum, recorded attendance votes, and approved the minutes. Chair Lewis reminded presenters to keep remarks brief because of the full agenda and limited time. The first presentation was from United Way of Southern Kentucky, with Anne Puckett, Craig Browning, and Warren County Schools Superintendent Rob Clayton introducing a regional early childhood initiative. The presenters argued that kindergarten readiness and early childhood support are critical to later academic and life outcomes. They cited research and statistics about brain development in the first five years, the effects of unprepared kindergarten entry, and links between low literacy, school discipline, dropout rates, and incarceration. They said their region’s readiness scores fell during COVID and after a tornado, and that the most effective response was in-home parent education to help families support children from birth to age five. They described the model as voluntary, community-based, and not requiring new buildings, and said similar programs have been successful in Missouri. The group said it had already raised more than $1 million in private donations and committed three years of funding for four additional staff, expanding service in Allen, Logan, and Warren counties. They requested $600,000 per year for the next two-year budget cycle to add 12 more educators, serve about 360 families and 660 additional children, and build evidence for a possible statewide model. Members generally expressed support for the concept, with Representative Tipton and Representative Jackson discussing a prior home-based preschool pilot and the importance of starting early. Representative Calloway questioned whether increased family chaos and government involvement justified the approach; presenters responded that the program uses community educators, not a government-run organization, and is aimed at helping overwhelmed families. Representative Stalker asked about eligibility and early intervention, and presenters said the program serves children from birth to age five and can help identify needs early enough to connect families with services such as First Steps.

Transcript Highlights:

• Claims, and ultimately raises the cost to consumers who are forced to purchase surplus lines policies
• They were very uninformed when they purchased this policy.
• When do policyholders usually receive a copy of the policy that they purchased?
• It's where I may be able to go purchase the materials after you get your examination.
• For example, two months ago, one of the largest VBMs in the country purchased a major optical chain.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• Prior to 1990, these retirees were set out on their own to purchase insurance in the individual markets
• that, for a fully subsidized employee, could be up to about $99, but it gives them a little bit of flexibility
• We purchase medical and health benefits together.
• that, we've actually talked to other states that are also looking at where maybe we could combine purchasing

Transcript Highlights:

• leaving service to seeking employment and education, connecting them with benefits, housing, and home purchases
• The home loan program helps veterans purchase market-rate homes and is over a hundred years old.
• So as a consumer, a $100 purchase turns into $146.
• I think a lot of colleagues are flexibly supportive of that.

Summary: The Assembly Budget Subcommittee 5 on State Administration held an informational hearing on budget issues for the Department of Veterans Affairs, the Department of Cannabis Control, the Department of Consumer Affairs, the Commission on the Status of Women and Girls, and the California Arts Council. The chair noted there would be no votes. CalVet gave an overview of its programs serving veterans and families, including transition assistance, county veterans service officers, education approvals, housing and homelessness programs, home loans, long-term care homes, and state veterans cemeteries. Members asked about future long-term care needs for aging veterans, staffing and recruitment challenges at veterans homes, and the Yountville steam infrastructure replacement project, for which CalVet sought a $38.8 million reappropriation and said federal reimbursement was expected. CalVet also discussed the role of county veterans service officers in helping veterans file claims and avoid predatory unaccredited representatives. The Department of Cannabis Control described its regulatory role from seed to sale and requested one position to implement SB 1064’s combined activities license. Members and public witnesses focused heavily on the illicit cannabis market, enforcement staffing, and the impact of taxes and fees on the legal market. DCC said it had roughly 87 enforcement positions with about a 15% vacancy rate and more than 200 compliance staff. Its economist presented the 2024 cannabis market report, which found licensed production and retail quantity were up, but retail value and prices were down, with an estimated 11.4 million pounds of illicit production and about 60% of California consumption still coming from the illicit market. Industry witnesses argued the legal market is in crisis, urged repeal of the scheduled excise tax increase, stronger enforcement against illicit cannabis and hemp-derived intoxicants, and expanded retail access. The Department of Consumer Affairs briefly presented nine budget proposals, including a $2.6 million ongoing request to maintain a business modernization system for several boards and bureaus. The Commission on the Status of Women and Girls described its work on economic and educational equity, health care, violence prevention, student rights, and archival and outreach projects, and said its budget request would convert limited-term positions to permanent. A member urged the commission to narrow its priorities toward current issues such as affordability, child care, and women’s health. The California Arts Council outlined its role as the state’s only statewide arts funder and requested restoration of $5 million in local assistance; supporters testified that the funding would leverage additional local investment and help sustain arts access, especially in rural communities. The hearing ended after the non-presentation items were noted and no further public comment was offered.

Transcript Highlights:

• Did they get this land for free, or did they purchase the land? I believe they purchased the plant.
• Or are we talking about something a university might purchase? Thank you for the question.
• Local jurisdictions, especially those in hurricane-prone areas, require the flexibility to enforce safety

Summary: The committee met with a quorum and considered several bills, reporting each favorably after hearing sponsor presentations, public testimony, and member questions. SB 578 would allow wine to be sold in recyclable containers, aligning wine with beer container rules; it received support from Americans for Prosperity and passed without debate. SB 606 clarified when guests in public lodging or food service establishments may be removed for nonpayment, updated notice and checkout provisions, and removed a mandatory arrest requirement, with support from hotel and restaurant industry groups; it also passed favorably. Members then heard SB 202, which addresses a municipal water utility surcharge issue affecting Miami Gardens and North Miami Beach by requiring the utility to charge residents where the plant sits the same rate it charges its own residents. The sponsor and supporters described it as a fairness issue, while North Miami Beach argued it would shift costs and threaten utility finances; the bill was reported favorably. SB 570 modernized and clarified the scope of work for swimming pool and spa contractors, and SB 928, as amended, regulated non-approved disposable nicotine devices by restricting advertising and display, increasing inspections and penalties, and adding a school-buffer provision; both were reported favorably. The committee also approved SB 346, which repeals state preemption over local regulation of hoisting equipment and cranes, prompted by concerns after Hurricane Milton and a crane collapse in St. Petersburg. Supporters said local governments need authority to address storm-related crane safety, while industry representatives warned against patchwork regulation and said local oversight already exists in some areas. Finally, the committee took up SB 652, creating Veterinary Professional Associates to perform certain tasks, including limited surgeries under veterinarian supervision; animal welfare groups supported it as a way to expand access, while some veterinarians opposed the surgery provisions. The bill was reported favorably after amendment. The committee then began SB 354, a major overhaul of Public Service Commission oversight, including expanding the commission, adding financial expertise, tightening rate-setting and storm-hardening review, and increasing transparency for nonprofit water and wastewater utilities; the substitute amendment was adopted and public testimony was heard from consumer advocates and utility-related groups, but the transcript ends before final action on the bill.

Transcript Highlights:

• Did they get this land for free, or did they purchase the land? I believe they purchased the plant.
• Or are we talking about something a university might purchase? Thank you for the question.
• Local jurisdictions, especially those in hurricane-prone areas, require the flexibility to enforce safety

Summary: The committee took up several bills and reported each favorably after brief debate and roll call votes. SB 578 would allow wine to be sold in recyclable containers, aligning wine with beer container rules; it had support from Americans for Prosperity. SB 606 clarified when nonpaying guests may be removed from public lodging establishments, updated notice and checkout provisions, and removed a mandatory arrest requirement, with support from Florida Realtors, the Asian American Hotel Association, and the Florida Restaurant and Lodging Association. SB 202 addressed a long-running dispute between Miami Gardens and North Miami Beach over a water utility surcharge, requiring the utility to charge residents in the city where the plant sits the same rate as its own residents; supporters argued it was a fairness issue, while North Miami Beach opposed it as a burden on its residents. All three bills were reported favorably. The committee also approved SB 570, which updates and clarifies the scope of work for swimming pool and spa contractors, and CS/SB 928, which targets non-approved disposable nicotine devices by restricting advertising and display visible to minors, increasing inspections and penalties, and adopting an amendment to clarify the bill does not cover fully unlawful products and to add a 500-foot school buffer for smoke shops. SB 346, dealing with state preemption of local regulation of hoisting equipment, was reported favorably after testimony about the St. Petersburg crane collapse during Hurricane Milton; supporters said local governments need authority to address hurricane-related crane safety, while builders and contractors warned against patchwork regulation and urged a more targeted approach. The committee then considered SB 652, creating Veterinary Professional Associates to perform certain tasks under veterinarian supervision, including limited surgical procedures after an amendment clarified those procedures are limited to spay/neuter and non-cavity surgeries. Supporters said the bill would expand access to veterinary care and help shelters, while some veterinarians expressed concern about training and safety; the bill was reported favorably. Finally, the committee took up SB 354 on the Public Service Commission, adopting a substitute amendment that would expand the commission, require stronger financial expertise and more detailed rate justifications, set rate-filing schedules, tighten storm-hardening review, and add transparency rules for nonprofit water and wastewater utilities; the bill drew support from consumer advocates and AARP, while Florida Rural Water warned of unintended consequences for nonprofit systems. The transcript ends while testimony on SB 354 is still underway, with no final vote shown in the excerpt.

Transcript Highlights:

• I also want to thank the Kentucky Board of Medical Licensure for considering some of the flexibilities
• Jenny Goens, National Alliance of Healthcare Purchaser Coalitions.
• that drug for a hospital can purchase that drug for a 50%<01:16:36.880> discount<01:16:37.400
• Hospitals now have an incentive to go into communities that are higher-income communities and purchase
• Hospitals now have an incentive to go into communities that are higher-income communities and purchase

Keywords: 00:00:00 Call to Order/Roll Call 00:01:19 Discussion of 25RS HB 785 00:30:25 Roll Call Vote on 25RS HB 785 00:32:15 Discussion of 25RS HB 61 00:36:42 Roll Call Vote on 25RS HB 61 00:38:07 Discussion of 25RS HB 788 00:51:01 Discussion of 25RS SB 14 01:11:09 Discussion of 25RS HB 685 01:44:57 Adjournment, 958, all

Summary: The House Standing Committee on Health Services met with a quorum and took up House Bill 785, as amended by a committee substitute that combined language from HB 785 and HB 787. The bill was described as addressing Medicaid managed care organization (MCO) audits, provider contract notice and amendment procedures, mental health parity compliance, and related transparency requirements. Supporters said the measure would tighten notice to providers, limit repeated contract amendments and rate reductions, require more standardized audit procedures, and add reporting on Medicaid claims, appeals, and grievances. It also includes a provision requiring coverage of at least two evaluation-and-management billable services per physician per recipient per date of service, and a section addressing narcotic/opioid treatment program licensing and reimbursement language. Testimony in support came from Representative Kim Moore, John Inman of BrightView Health, Michelle Sandborne of the Children’s Alliance, and Kelly Cormic of RYSE. They argued that MCOs often use audits and recoupments in ways that are burdensome, opaque, and financially damaging to providers, especially smaller and rural ones. They cited examples of multiple audit requests in short timeframes, large record requests with short deadlines, delayed or absent feedback, and recoupments taken before appeals are resolved. They also said parity laws are not being consistently enforced and that the bill would give the Department of Insurance authority to suspend or revoke an MCO certificate of authority for willful or repeated parity violations. Committee members generally expressed support for provider protections and transparency, while asking for clarification on the narcotic treatment and E/M billing provisions. Tom Stevens of the Kentucky Association of Health Plans testified in opposition, saying the bill is complex to implement and should be handled through the broader Medicaid oversight work of House Bill 9, the MOAB. He said the issues raised were better suited for that bipartisan stakeholder process and noted the committee substitute had not yet been fully reviewed by his group. After discussion, the committee adopted the committee substitute and then moved to a vote on the bill; the roll call began, with several members recorded as voting yes, but the transcript cuts off before the final vote result is shown.

Transcript Highlights:

• occur that we all have to kind of come together and be flexible.
• occur that we all have to kind of come together and be flexible.
• kind of come together and be flexible kind of come together and be flexible you<00:39:46.880>
• With the back of the budget, that had more flexibility.
• With the back of the budget, that had more flexibility.

Keywords: 1189, house, all

Summary: House Finance Division III convened a work session on the DHHS budget, with the chair noting there would be no votes and that the committee would spend the day hearing from the commissioner’s office. Nathan White, DHHS Chief Financial Officer, opened with the Division of Finance/Office of Business Operations, explaining that the unit supports the department through daily financial management, AP/AR, audit work, expense projections, transfers, and procurement functions such as contracts, amendments, RFPs/RFAs, and grants management. He also described the division’s revenue and reporting work, including federal draws, CMS-64 reporting, and the public assistance cost allocation plan, and said the department had centralized rate-setting work and a small team handling Medicaid rate analysis and nursing facility rebase work. Members asked about vacancies, turnover, and budget changes. White said the division had 18 positions unfunded in the governor’s budget, reducing personal services from about $10.8 million to $9.9 million, and estimated the division’s vacancy rate at about 11 percent, below the department average. He said turnover was relatively low, with one retirement at the manager level and higher turnover mainly at lower AP-level positions. He also explained that some budget lines reflected reallocations rather than new spending, including fringe benefits centralized elsewhere and an EBT card contract moved into this unit because the staff member overseeing it works in Finance. When asked about a rent/lease increase, he said it was due to higher copier leasing costs under a statewide DAS contract. White highlighted several management and technology improvements. He said a business intelligence tool procured in 2022, using Salesforce and Excel-based data, helped DHHS better track federal revenue and maintenance-of-effort spending, reducing FY24 General Fund lapse by about 70 percent and federal/other revenue lapse by 88 percent compared with FY23; he warned that the tool is not funded in the current budget. He also described Lean Six Sigma efforts in the contracts team, training for vendors and nonprofits on procurement and indirect cost rules, and a Finance Academy to standardize policies and procedures. On the contracts side, he said the department uses Smartsheet for project management and DocuSign for electronic signatures, which cut contract execution time dramatically, but noted DocuSign is also not funded in the governor’s budget. The session ended as the committee prepared to move on to the Employee Assistance Program presentation.

Transcript Highlights:

• you might have been shopping on Amazon, and it gives you, 'Welcome back,' based on your previous purchases
• um you might find these items purchases um you might find these items interesting<00:39:09.560> so
• Can you folks give me just an insight on... obviously, a private school has much more flexibility on
• obviously a private school is much on obviously a private school is much more<01:28:04.280> flexibility
• on curriculum but if a more flexibility on curriculum but if a teacher<01:28:06.920> is<01:28

Keywords: 910, house, all

Transcript Highlights:

• It is flexibility. As far as workforce, employers being flexible, they are flexible.
• It is flexibility. As far as workforce, employers being flexible, they are flexible.
• It is flexibility. They're being paid. It is flexibility.
• When you're flexible, they are flexible.
• . flexibility. flexibility.

Bills: HF4110, HF2113, HF4569, HF4414

Keywords: workplace regulations, employee rights, meal breaks, rest breaks, exemptions, paid leave, small employers, employment law, Minnesota Statutes, workforce development, HF4569, Minnesota Paid Leave Law, protected leave, seasonal employee, seasonal worker, hospitality, hospitality industry, DEED, Department of Employment and Economic Development, employer certification

Transcript Highlights:

• I will highlight that in fiscal year 2022, we were appropriated $6 million to purchase a building in
• strategy allows OEQA to meet statutory responsibilities while controlling costs and maintaining flexibility

Keywords: 914, all

Transcript Highlights:

• fallowing crops, they're pooling water between the farms within our district so that they've got more flexibility
• And another thing to thank you all for is the support on the Springwood property purchase.

Summary: The Joint Committee on Water Supply During Drought opened its 2025 meeting by electing new leadership. After brief discussion of the committee’s membership and the usual practice of alternating leadership between chambers and parties, members unanimously elected Senator Ron Mazzal as chair and Representative Christine Reeves as vice chair. The outgoing chair, Representative Ybarra, continued presiding for the remainder of the meeting at Senator Mazzal’s request. The committee then heard a presentation from Sage Park of the Rosa Irrigation District on the severe 2025 water year. Park said Rosa is facing very low reservoir levels, declining water supply forecasts, and an earlier-than-planned end to the irrigation season. She described the district’s conservation and drought response measures, including canal shutdowns, pump-backs, leased water, on-farm fallowing and water pooling, emergency well permits, and long-term investments in piping, sealant, drip irrigation, and storage. Park also urged continued emergency drought funding, more efficient state lease funding processes, and support for water releases that benefit fish during drought conditions. Urban Eberhard then presented on the Kittitas Reclamation District and the Yakima Basin Integrated Plan. He described widespread on-farm conservation, reduced acre allocations, early shutoffs expected in late summer, and ongoing infrastructure work such as piping, lining, telemetry, and the Springwood reservoir project. He emphasized that these projects are intended to improve water delivery, support fish flows, and provide future storage, including possible hydroelectric generation as part of feasibility work. In response to a question, he said the districts are monitoring aquifer impacts from canal lining and are working on managed aquifer recharge to direct conserved water to beneficial groundwater areas. No additional votes or formal actions were taken after the leadership elections.

Transcript Highlights:

• TALKED ABOUT TO MAKE SURE I'M UNDERSTANDING WHEN YOU TALKED ABOUT THE TEMPORARY PERMIT ON PROPERTY PURCHASE
• BRINGS IMPORTANT UPDATES TO THE WAY CHARTER SCHOOLS ARE GOVERNED AND OPERATED CRICKETS EXTEND HAS A FLEXIBILITY

Keywords: 999, senate, all

Transcript Highlights:

• The bill we have in front of us provides some funding flexibility; we can carry funds over from this
• I was talking with the General, and we were discussing what What would it take to purchase a point from

Transcript Highlights:

• This would enhance local government's flexibility and possibly improve voter participation by allowing
• appraisals for property it seeks to acquire is required by law to disclose, at the time of the offer to purchase

Bills: SB38, SB287, SB291, SB292, SB508, SB618, SB901, SB1436, SB1494, SB1626, SB1719, SB1999, SB1333, SB 38

Keywords: evictions, property law, tenant rights, landlord responsibilities, justice court, court rules, SB 287, Texas Alcoholic Beverage Code, sexually oriented business, adult entertainment, strip club, nude entertainment, live nude performance, alcohol prohibition, alcohol consumption, possession of alcohol, criminal offense, Class A misdemeanor, state jail felony, third degree felony

Transcript Highlights:

• as a as in department on the purchasing as a as in department on the purchasing side<00:43:53.119
• It's not that flexible, and it's very precise.
• it's not that flexible and and it's very it's not that flexible and and it's very very<00:56:04.359><
• And what flexibility is there to those? They are normally listed most of the time.
• It's a leased facility, and that facility has been purchased.

Keywords: 928, house, all

Summary: The Department of Administrative Services presented its capital budget process and priorities, explaining that it maintains and operates 96 state buildings and uses annual facility walkthroughs, condition assessments, and rough cost estimates to rank projects for the governor’s capital budget. Officials described how requests are triaged, how the governor’s office and Public Works refine estimates, and how the resulting capital budget book serves as legislative intent for approved projects. They also noted that this year the governor’s office asked for estimates on all selected projects, which increased workload but reduced detail. The department highlighted several requested projects, including $1.5 million for the ERP system sustainability fund, which officials said is critical because the state is upgrading its core financial, HR, and budget system to the cloud. Other priorities included courthouse HVAC and boiler work, brick repointing at the State House annex/main building, window replacement at the Spalding building, and elevator replacement on the hospital campus. Officials also said the governor’s proposed capital budget included fewer DAS projects than in past years and asked the committee to consider funding closer to historic levels. The committee then reviewed lapse and reallocation items. DAS said most older projects are still in design, bid, or construction because projects now take four to six years rather than two to three, in part due to ARPA-related workload and post-COVID construction backlogs. Members discussed lapsing $81,000 from the completed Spalding roof project and redirecting small remaining balances from several 2019 projects toward the Hillsboro County South cell block project through the Capital Project Overview Committee. Officials also confirmed ARPA-funded projects are expected to be completed before the December 2026 deadline and explained that the ERP system is the main state IT exception outside DOIT’s usual centralized control, though it still requires DOIT consultation and approval.

Transcript Highlights:

• How are we going to continuously verify that the individuals that have purchased this house are still
• Now they are able to purchase a home because we are providing this assistance. Mr.
• You only get to purchase a brand new home.
• I do prioritize loans to purchase starter homes. That's correct.
• But that does not mean that's the only home that they can purchase.

Bills: HB111, HB108, HB145, HB164, HB291, HJR6, HR1, HB63, HB64, HB165, HB184, HB200, HB4, HB7, HB20, HB65, HB66, HB80, HB88, HB96, HB166, HB285, HB295, HB306, SB29, SB37, HJM2, HJM3, HJM1, HM7, HM17, HM4, HM22, HM23, HM24, HM26, HM2, HM16, HM32, HM13, HM47, HM20, HM51, HM1, HM31, HM35, HM36, HM46, HM53, HM54, HM11, HM14, HM21, HM34, HM50

Keywords: water law, state engineer, civil penalty, compliance order, water rights, overdiversion, illegal diversion, groundwater storage and recovery, well license, permit violation, water enforcement, New Mexico water code, irrigation district, conservancy district, water diversion, unauthorized water sales, measuring device, district court appeal, water resources, water compliance

Transcript Highlights:

• It also provides greater flexibility to dishes and setting rules for enforcement by removing the prohibition
• You know, this has to do with, uh, purchasing a very safe and effective drug over the counter.
• Are you OK with them requiring an ID to purchase ivermectin?
• You won't send your child in, but you're OK if your child did purchase it.
• So what do you know what the protocol is when you purchase or when you go to purchase over the counter

Bills: HB 265, HB25

Keywords: youth camp, safety regulations, advisory committee, child welfare, health standards, summer camp, camp safety, child abuse reporting, child neglect, mandatory reporting, background check, criminal history check, sex offender registry, CPR training, first aid, public health, child protection, camp operator, camp counselor, Health and Safety Code

Transcript Highlights:

• Under current state law, customers can only purchase cannabis through a licensed retailer.
• The purchase was declined. Press this number or call us to report this.'
• You get that every time when a suspicious purchase shows up on your credit card.
• We also purchase third-party solutions. They are expensive, and they do work.
• Washington State's law, however, because it was drafted in a way that is so flexible that it allows individuals

Summary: The committee began with a work session on the Joint Legislative Audit and Review Committee’s cannabis market study, presented by JLARC staff member Susanna Pratt. The report found Washington’s cannabis production in 2023 was likely two to three times higher than retail sales, with production estimated at 292,000 to 443,000 pounds of THC versus 139,000 pounds sold. Pratt explained that canopy data are inconsistent and that the Liquor and Cannabis Board’s traceability system is incomplete and unreliable, limiting data-driven regulation, tax verification, recall tracking, and diversion enforcement. JLARC recommended that LCB submit a plan by the end of 2025 for obtaining accurate licensee data by the end of 2026; LCB partially concurred and said a 2027 timeline may be more realistic. JLARC also concluded that the social equity producer licenses would likely have only a minimal effect on statewide production capacity, and suggested the legislature consider broader ways to increase equity in the industry. Members asked about the slow issuance of social equity licenses and about comparable traceability systems in other states. The committee then heard a series of presentations on fraud and scam prevention. Paul Benda of the American Bankers Association described the scale of fraud losses, the role of telecom spoofing, social media scam ads, SIM farms, and crypto ATMs, and argued for a shared-responsibility approach involving banks, telecoms, and platforms. Katie Clark of IQ Credit Union described member-to-member fraud, romance scams, and the operational and financial impacts on credit unions, and recommended better information sharing, safe harbors for returning scam-related funds, and stronger fraud education. Kyle Innes of SIFMA highlighted investor fraud and Washington’s 2009 report-and-hold law, which he said helped shape similar protections in most states, and emphasized the need for better communication among financial firms, APS, and law enforcement. Brian Gerard and Ali Higgs from the Department of Financial Institutions discussed “pig butchering” and other investment scams, focusing on how scammers build trust through social media, dating apps, fake websites, and crypto schemes before extracting funds. Across the fraud presentations, witnesses repeatedly stressed consumer education, interagency information sharing, and stronger controls on telecom, social media, and crypto ATM activity. Members asked about model laws from other states, the role of financial education in schools, and whether crypto ATMs should be regulated or banned. No votes or formal committee actions were taken during the meeting.