Transcript Highlights:

• First up, we have the Department of Commerce and Consumer Affairs Office of Consumer Protection. that
• won't have certain services. won't have certain services.
• in favor of protection of of consumers. in favor of protection of of consumers.
• It could be community service. service. service.
• Commerce and Consumer Affairs. Commerce and Consumer Affairs.

Keywords: 910, house, all

Summary: The committee heard testimony on SB 83, which would require hotel keepers to give adequate notice of service disruptions to guests and third-party vendors. The Department of Commerce and Consumer Affairs Office of Consumer Protection supported the bill but asked for amendments to restore remedies and add a nonwaiver provision, arguing that without penalties the measure would lack consequences and that consumers should not be able to waive the notice rights. Supporters, including Unite Here Local 5 and individual testifiers, said guests deserve transparency and meaningful recourse when disruptions occur, especially for labor disputes, construction, or other service interruptions that affect the experience they paid for. Hotel industry representatives, including the American Hotel and Lodging Association, the Hawaii Hotel Alliance, and hotel workers/testifiers, opposed the bill in its current form while offering amendments. They said the measure was too broad, difficult to implement, and could interfere with collective bargaining, third-party booking systems, and existing contracts. They also argued that some disruptions are not easily known in advance and that the bill unfairly singles out hotels compared with other industries. One testifier emphasized that notice should be required only for actual, known disruptions rather than potential events, and another raised concerns about applying the bill to properties not directly involved in a labor dispute. After the SB 83 testimony, the committee moved on to SB 2798, which would make permanent and expand statewide the agricultural enforcement pilot program created in 2025 and rename it the agricultural enforcement program. The chair introduced the measure and called on the Hawaii Department of Agriculture and Biosecurity as the first testifier, but the transcript excerpt ends before testimony or any vote on SB 2798.

Transcript Highlights:

• requirements for direct to Consumer requirements for direct to Consumer genetic<00:21:50.320> testing
• <00:21:54.480> genetic specify whether consumers genetic specify whether consumers genetic
• <00:22:03.559> Protection uh dcca Office of Consumer Protection uh dcca Office of Consumer
• good morning uh Office of Consumer good morning uh Office of Consumer Protection<00:22:06.960>
• much uh dcca Office of Consumer much uh dcca Office of Consumer Protection<00:29:12.559> with

Keywords: 912, senate, all

Summary: The Senate Commerce and Consumer Protection Committee held its first hearing of the 2025 session and reviewed several measures. SB 102 would restrict third-party restaurant reservation services from listing or selling reservations without a written agreement from the restaurant; the Attorney General recommended amendments to strengthen the bill against First Amendment and Contracts Clause challenges, and the Hawaii Restaurant Association strongly supported it, saying restaurants should control who represents them. The committee also heard SB 137 on electric utility mergers and acquisitions, with support from Ulupono Initiative and IBW Local 1260. Supporters said the bill would preserve state policy protections, including renewable energy and rate-making goals, and protect workers; IBW also suggested amendments, including a severability clause. The committee discussed a possible alternative approach from the PUC involving solicitation of bids from non-investor-owned utilities, and Ulupono said it would consider that idea but was concerned about preserving time for co-op formation. Members then heard SB 142, which would require insurers paying claims by check to send them by certified mail with restricted delivery and return receipt. The Insurance Division stood on its written testimony, while the Hawaiian Insurers Council, State Farm, NAMIC, and the American Property Casualty Insurance Association opposed the bill. A senator questioned whether the measure was too prescriptive and could create problems for claimants displaced by disasters; the response was that insurers and claimants usually remain in contact and that other payment methods may already be available depending on the carrier. SB 157 would ban algorithmic price setting in Hawaii’s rental market and require a public education program; the committee noted written testimony in support and comment, but no oral testimony was taken before moving on. SB 158 would create a state-owned bank implementation board within DCCA; DCCA’s financial institutions division, the Budget and Finance Department, and the Legislative Reference Bureau submitted comments, while the Hawaii Bankers Association opposed and the Hawaii Credit Union League commented. The committee also heard SB 318, which would require DCCA to adopt privacy rules for direct-to-consumer genetic testing and specify whether genetic information may be used for investigative genetic genealogy. The Office of Consumer Protection and Andrew Crossland opposed the bill, saying federal law and existing state protections already cover much of the area and that rulemaking would be a better way to address it; members raised concerns about federal changes and the need for state protections, but OCP said the bill was not the best approach. SB 332 would prohibit bundling foreclosed homes at public sale and delay finality of sales; L. Strong and written testimony supported it, citing Lahaina’s post-fire foreclosure risks and warning of investors profiting from the disaster. The final measure, SB 525, would require written notice and consent before mortuaries, cemeteries, or pre-need funeral authorities sell or recycle precious metals recovered after cremation. DCCA’s consumer protection and licensing divisions offered comments, while the Hawaii Funeral and Cemetery Association opposed the bill, saying it was surprised by the measure and was unaware of current consumer problems in the industry.

Transcript Highlights:

• I'm assuming it would be the patient or the consumer.
• services in a timely manner.
• Today, most consumers manage their auto finance accounts online.
• These claims do not provide meaningful benefits to consumers.
• Scott Jenkins, American Financial Services Association, waiving in support.

Summary: The Senate Committee on Banking and Insurance met with a quorum present and heard a full agenda of bills, most of which were reported favorably. Early in the meeting, SB 1000 on trust fund interest for attorney trust accounts was explained as setting a floor and ceiling tied to the Wall Street Journal prime rate and passed without objection after supportive testimony from banking and credit union groups. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program; the sponsor described it as a way to move emergency out-of-network payment disputes away from costly litigation and into an independent dispute resolution process modeled on the federal No Surprises Act. A proposed amendment drew significant questions from senators and concerns from the Florida Insurance Council about confusion over state versus federal eligibility and possible effects on contracted rates, and the sponsor ultimately withdrew the amendment. The underlying bill was then supported by health care and insurance stakeholders and reported favorably. SB 684 on electronic signatures for total loss vehicles and vessels also passed, with Progressive Insurance waiving in support. The committee next approved CS/SB 158 on pet insurance, which requires continuing education for agents, clearer consumer disclosures, and annual reporting to OIR; the amendment was technical and adopted. SB 1494 on breast cancer screening coverage was presented as expanding required coverage for mammograms and supplemental screenings for certain insurance products, and it passed with support from cancer and radiology groups. CS/SB 314 on digital asset issuers was amended to create a Florida framework for payment stablecoin issuers consistent with the federal GENIUS Act, allowing state-level regulation as an alternative to federal supervision, and was reported favorably. SB 1500 on uncontested probate proceedings, including higher small-estate thresholds and clearer authority for personal representatives, also passed after a banking-related amendment requiring letters of administration for safe deposit box access was adopted. Later, the committee approved CS/SB 618 on workers’ compensation insurance, which raises the consent-to-rate cap for workers’ comp policies from 10% to 20% and adjusts the Florida Workers’ Compensation Guarantee Association board membership; a carrier representative testified that the change would help keep more high-risk accounts in the voluntary market. CS/SB 1568 on a Florida Stable Coin Pilot Program was amended to remove authority for DFS to create a Florida coin, limit the pilot to existing stablecoins with at least $1 billion market capitalization, and require qualified public deposit handling; it then passed. CS/SB 838 on electronic payments for retail installment contracts clarified that convenience fees for electronic payments are permissible while preserving a fee-free option, and it was reported favorably after questions about consumer access to free payment methods. SB 1452, the Department of Financial Services agency bill, made a wide range of administrative changes affecting My Safe Florida Home, unclaimed property, licensing, bail bonds, and other DFS functions; a late-filed amendment on title insurer appointments was adopted, and the bill passed. The committee also approved SB 1706 on the My Safe Florida Condominium Pilot Program, targeting condo hardening assistance to owner-occupied units meeting income and occupancy criteria, and SB 990 on protected cell captive insurance companies, which the sponsor and industry witnesses said would modernize Florida law and promote insurance competition and economic activity. The meeting ended with all bills on the agenda reported favorably and the committee adjourning without objection.

Transcript Highlights:

• This bill seeks to add consumer protections, important consumer protections for car purchasers and car
• Low Income Consumer Coalition, and Consumer Reports, in strong support.
• of consumers.
• We believe that's not helpful for consumers when it comes to service and operations, and even pricing
• I think it does help the consumer as well.

Summary: The committee heard several AI- and consumer-protection-related bills, with extensive testimony from authors, supporters, and industry opponents. SB 53 by Senator Wiener would create transparency requirements for large AI developers, including disclosure of safety and security protocols, reporting of critical safety incidents, whistleblower protections, and the CalCompute public cloud. Supporters said it is a narrower, transparency-based follow-up to last year’s vetoed AI safety bill, while opponents argued it still relies too much on company size, could expose trade secrets, and should be narrowed further. The committee approved SB 53 on a do-pass-as-amended vote to Appropriations, with the roll held open for absent members. SB 766 by Senator Allen would codify the FTC’s Cars Rule and create a three-day cooling-off period for certain used-car purchases, along with stronger disclosure rules on pricing, add-ons, and government affiliation claims. Supporters said it would save consumers money and time and help buyers avoid bad deals, while dealer and industry groups said amendments addressed many of their concerns. Several former opponents moved to neutral, and the committee passed SB 766 unanimously as amended to Appropriations. SB 7 by Senator McNerney would regulate automated decision-making systems in employment by requiring notice, human review for discipline and termination, and limits on predictive behavior analysis. Labor and consumer advocates supported the bill as a safeguard against biased or overly automated workplace decisions, while employer and industry groups raised concerns about scope, notice burdens, and the predictive-analysis ban. The committee passed SB 7 to Appropriations on a 4-2 vote, with the roll held open. SB 833, also by Senator McNerney, would require human oversight of AI used in critical infrastructure, along with training and system assessments; it drew limited opposition focused on scope, and the committee passed it as amended to Appropriations on a 5-0 vote, also holding the roll open. Later, the committee took up SB 11, which would address AI-generated voice, image, and video cloning and deepfakes by clarifying likeness protections, requiring consumer warnings, and addressing misuse and evidence tampering. Supporters framed it as a targeted response to nonconsensual deepfakes, while industry groups said recent amendments improved the bill but still had concerns about penalties and warning language. The committee also heard SB 720, the Safer Streets Act, which would let cities opt into a revised red-light camera system that shifts from driver to owner liability, removes facial identification, makes violations civil rather than criminal, and directs revenue toward transportation safety projects; the author presented the bill, but the transcript ends before any final action on SB 720.

Transcript Highlights:

• Public service requires integrity, restraint, and respect.
• Increasingly common live-service games rely on ongoing service support and updates, meaning that if a
• practices designed to maximize consumer spending.
• practices designed to maximize consumer spending.
• and a retailer or a consumer and a business.

Summary: The Assembly met in session, established a quorum, approved dispensing with the previous day’s journal, and then took up a long third-reading file. Early procedural actions included moving AB 1589 to the inactive file and continuing reconsideration items. The chamber then considered a series of bills largely focused on immigration enforcement, detention, worker protections, child care, voting access, and related public services. Several immigration-related measures passed, including AB 2393 on damages for false imprisonment/arrest, AB 1994 on an immigrant victims’ rights and resources card, AB 1929 on health plan investment disclosures, AB 1633 imposing a tax on for-profit detention facilities, AB 1650 requiring decals on rental vehicles used for enforcement, AB 1655 protecting CalWORKs benefits when a child is detained, and AB 1896 disqualifying people who participated in immigration enforcement from certain public employment. AB 2230, which would bar immigration enforcement near polling places and child care facilities, also passed after extensive debate. Supporters framed these bills as accountability and protection for vulnerable communities; opponents argued they targeted federal law enforcement, were unnecessary, or raised constitutional concerns. AB 1851 on statewide school mental-health guidance also passed unanimously. After the midday recess, the Assembly returned and continued with more bills tied to immigration impacts and child welfare. AB 2379 passed with urgency, requiring child care providers to be informed of constitutional rights and trained on protections when confronted by immigration enforcement. AB 2460 passed to update school behavioral-health referral protocols for students affected by immigration enforcement trauma. AB 2495 passed to expand prohibitions on employer immigration-related threats, and AB 2662 was presented as a way for California to monitor and document federal enforcement actions and report on their community impacts. Throughout the day, the floor featured repeated exchanges over whether the bills addressed real problems or were political messaging, but the measures that came to a vote generally advanced with majority support.

Transcript Highlights:

• And services to meet their needs.
• I note on your core values that core services, your practice policyholders, and to ensure Missouri consumer
• I note on your core values that core services, your practice policyholders, and to ensure Missouri consumer
• The division also licenses and regulates consumer credit companies, credit service organizations, money
• Public Service Commission—the Public Service Commission is an independently governed commission that

Keywords: 959, house, all

Transcript Highlights:

• Social media provides free services. Consumers watch it.
• Social media provides free services. Consumers watch it.
• Social media provides free services. Consumers watch it.
• earn and services to consumers to earn and services to consumers to earn profits.<01:04:26.960>
• > will<01:13:09.600> be on consumer legal services which will be on consumer legal services

Transcript Highlights:

• Tim Stevenson, Department of State Health Services, Consumer Protection Division, and on the bill.
• targeted to youth consumers.
• Many of these consumers are service veterans and seniors across this state that tend to vote conservative
• Hemp-derived consumables.
• All they ask in return is for their service. All they ask in return for their service.

Bills: SB3, SB810, SB965, SB1073, SB1119, SB1505, SB 3

Keywords: Texas Education Code, public schools, school district, open-enrollment charter school, teacher speech, employee speech, biological sex, pronouns, gender identity, retaliation, discipline, workplace protections, school personnel, education policy, LGBTQ, transgender, charter schools, SB 965, religious speech, prayer

Transcript Highlights:

• <00:17:26.400> Advocate could request that the consumer Advocate could request that the consumer
• interests that may, in certain cases, be appropriate for the Consumer Advocate.
• interests that may, in certain cases, be appropriate for the Consumer Advocate.
• going to go up, and the Consumer Advocate could still say, 'I'm just not going to even go there.'
• > get enables the consumer Advocate to get enables the consumer Advocate to get involved<00:26:39.440

Keywords: 1191, senate, all

Transcript Highlights:

• So welcome to everybody for our first hearing and committee of financial services.
• disputes with financial services companies.
• I'm a senior attorney at the National Consumer Law Center.
• We're a national advocacy group for low-income people on consumer issues, particularly financial services
• Complemented by its professional development and consumer communities, the Society of Financial Service

Keywords: 995, all

Summary: The committee held an informational opening hearing for the Financial Services Committee, with Chair Murphy and Senator Feeney introducing new and returning members and explaining that no bills were being heard that day beyond brief introductory testimony. Commissioner of Banks Mary Gallagher thanked the committee for last session’s money transmission modernization law, and several members echoed appreciation for her office’s work. The hearing then featured a long series of stakeholder introductions and overviews of their priorities for the session. Testimony covered a wide range of financial, insurance, housing, health care, and consumer issues. Banking and mortgage groups discussed housing affordability, foreclosure delinquencies, flood insurance, regulatory changes, and the impact of federal policy shifts. Insurance representatives raised concerns about auto and homeowners market pressures, labor rates, tariffs, rebates, e-titling, third-party litigation funding, and public adjuster restrictions. Consumer and advocacy groups highlighted debt collection reform, earned wage access, retirement savings access, public banking, and consumer protections in financial services. Several speakers also emphasized the need for committee expertise and offered themselves as resources for future bills. Health-related organizations focused on insurance mandates, prior authorization, behavioral health access, pharmacy benefit manager reform, community health center funding, maternal health and midwifery reimbursement, and anesthesia reimbursement parity. Other groups, including credit unions, retailers, auto dealers, dental and medical associations, and behavioral health providers, described their roles in the Commonwealth and previewed legislation or policy areas they expect to follow this session. No votes were taken; the meeting was informational and ended after testimony from the sign-up list and a few late additions.

Transcript Highlights:

• <00:14:26.399> in have Department of Human Services in have Department of Human Services in
• <00:15:23.839> and<00:15:24.000> I'm services they need to thrive. and I'm services
• Thanks for being here. fairness for consumers and in fairness for consumers and in pharmaceutical<00:
• of consumer commerce and consumer<00:40:52.960> affairs<00:40:53.359> to<00:40:53.599>
• establish<00:40:54.000> and consumer affairs to establish and consumer affairs to establish

Keywords: 910, house, all

Summary: The Committee on Health met on April 11, 2025, and heard testimony on a series of Senate concurrent and Senate resolution measures focused on health system oversight, workforce standards, and access to care. Topics included an auditor study on mandated insurance coverage for intravenous ketamine therapy for depression (SCR 8 SD1), a working group on prior authorization reform (STR 10 SD2), a task force on minimum professional standards for community health worker training (STR 16 SD1), a pharmacy benefit manager reform working group (SCR 69 SD1), a pharmacy reimbursement working group (STR 70 SD1), an aeromedical services working group (STR 86 SD1), a catchment-water feasibility study for business use (STR 118 SD1), an auditor study on mandatory coverage for continuous glucose monitors (STR 120 SD1), and a resolution encouraging reduced use of disposable surgical equipment and more sustainable health care practices (STR 194 SD1). Testimony was generally supportive across the measures, with several agencies and organizations noting the need to address complex health policy issues and improve access, transparency, and sustainability. For STR 16 SD1, community health worker advocates strongly supported the resolution but asked for amendments to include the Hawaii Community Health Worker Association on the task force and to require that at least half of the task force members be community health workers. For the PBM-related measures, SHPDA said it was willing to convene the work group and described the issue as complex, while the Pharmaceutical Care Management Association asked that PBMs be included in the working group. For STR 10 SD2, SHPDA supported the effort to reduce prior authorization burdens and said the process is a "black box" that needs reform; the chair later noted the administration’s commitment to the issue. For STR 86 SD1, the Department of Health supported the aeromed working group, and the chair proposed a House Draft 1 with technical changes and added representation from independent provider operators. In decision making, the committee adopted the chair’s recommendations on all measures considered. SCR 8 SD1 was passed as is. STR 10 SD2 was deferred. STR 16 SD1, STR 70 SD1, STR 118 SD1, STR 120 SD1, and STR 194 SD1 were passed as is. SCR 69 SD1 was passed with amendments, and STR 86 SD1 was passed with amendments. The meeting concluded with adjournment after all votes were taken.

Transcript Highlights:

• AB 506 protects consumers by voiding contracts between consumers and brokers that fail to include the
• It also gives consumers a clear remedy. If the contract is deceptive, it's void.
• line with basic consumer protection standards.
• It is a public health concern and a consumer protection issue.
• I'm the Executive Director of Consumer Watchdog.

Keywords: 988, house, all

Transcript Highlights:

• , and determine what students will actually consume.
• We're consuming too many calories, too much saturated fat, too much added sugars.
• that speaks to the most commonly consumed forms of dairy.
• too many refined grains on average, we consume too much added sugars, we consume too much saturated
• I want the whole meal to be consumed. And if kids... Get the options.

Bills: SB222

Keywords: whole milk, school lunch, school meals, National School Lunch Program, Richard B. Russell National School Lunch Act, Child Nutrition Act, USDA, nutrition standards, dairy, nonfat milk, low-fat milk, reduced-fat milk, lactose-free milk, nondairy beverages, plant-based milk, milk substitution, parental consent, legal guardian, food allergies, allergic reaction

Summary: This meeting of the committee focused primarily on the Whole Milk for Healthy Kids Act, S222, which aims to permit schools to offer a fuller range of milk options, including whole, reduced, and low-fat varieties, that have garnered bipartisan support. Chairman Bozeman opened the session by highlighting concerns over children's nutrition and the obesity epidemic, emphasizing the significance of nutritious school meals in addressing these issues. Experts from various organizations were invited to discuss the implications of this bill as well as the current challenges facing school meal programs, including budget constraints and food supply issues. The meeting included passionate testimonies about the direct impacts of current dietary guidelines and federal funding reductions affecting schools' abilities to provide healthy meal options.

Transcript Highlights:

• made is going to have less consumer made is going to have less consumer protection.<00:43:39.920
• The board, not the board, consumer.
• u protection on behalf of consumers. u protection on behalf of consumers.
• chief of the consumer protection bureau. chief of the consumer protection bureau.
• practice as opposed to a service? practice as opposed to a service?

Keywords: 928, house, all

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

Transcript Highlights:

• >> Chair: HEALTH AND HUMAN SERVICES COMMITTEE WILL COME TO ORDER.
• TIME-CONSUMING. BUT WHAT IS THE BASIS FOR THE COVERAGE DETERMINATION.
• HOW DOES A CONSUMER KNOW WHETHER OR NOT IT AN APPEAL.
• AGAIN, FOR CONSUMERS AND CENSORING THE CONSUMER EXPERIENCE, THAT'S WHAT THIS IS ALL ABOUT.
• SEPARATE FROM THE CONSUMER REPORT MR.

Transcript Highlights:

• The consumer, we should pick one.
• That is the consumer benefit of this.
• That is the consumer benefit of this.
• it from the consumer aspect.
• And so we're coming at it from that consumer angle right now.

Summary: The committee heard several bills and took up multiple votes. AB 576, dealing with updates to California’s charitable fundraising platform registry after AB 488, was presented as a technical fix to help charities and platforms more quickly update eligible listings; there was no opposition testimony, and the measure was later moved on a due pass basis. AB 1160, on law enforcement drone programs, was presented with proposed amendments requiring U.S.-based data storage and limits on sharing or selling collected data; supporters said it would protect sensitive drone-collected information while preserving affordable drone use, while there was no opposition testimony, and it was also later passed out on a due pass as amended basis. AB 75, which would require insurers to give notice before collecting aerial images of homes and provide homeowners access to those images, drew support from the Department of Insurance and consumer advocates, while insurers opposed it unless amended, arguing aerial imaging is a cost-saving inspection tool and that the bill could worsen availability and affordability; the bill was moved to Appropriations on a due pass basis, with the roll held open for absent members. The committee spent the most time on AB 325, which would address algorithmic price-fixing and collusion. The author and supporters argued that competitors using the same pricing software or algorithm to set prices can function as collusion even when the agreement is hidden behind code, and cited examples involving housing, frozen potatoes, gas pricing, and other industries. Opponents, including apartment, business, hospital, retail, chamber, and tech groups, said the bill was too broad, could sweep in lawful software and public-data market research, and might chill legitimate pricing tools, especially for small businesses and housing providers. Committee members raised concerns about clarity, intent standards, and whether the bill should focus more narrowly on nonpublic competitor data; despite those concerns, AB 325 was moved to Appropriations on a due pass basis, with the roll held open. Later, AB 1221 was presented as a workplace surveillance bill that would prohibit certain invasive or discriminatory surveillance tools, require notice to workers, limit sharing of worker data, and require corroborating evidence before discipline based on surveillance outputs. Labor and consumer groups supported the bill, saying modern surveillance technologies can track speech, movement, emotion, and other sensitive traits and can be biased or abusive. The Security Industry Association opposed it, warning that the bill’s broad definitions could restrict legitimate security systems, emergency sharing with first responders, and employer responses to misconduct or unsafe behavior. The transcript cuts off before any final vote on AB 1221 is shown.

Transcript Highlights:

• , veteran service, youth programs, and our one-of-a-kind scholarship programs.
• and donated over $56 million in services provided to our deserving veterans.
• First, it establishes, as I said, strong consumer protections.
• The unregulated environment creates no protections for consumers.
• Protections for consumers.

Keywords: 995, all

Summary: The committee on Economic Development and Emerging Technologies, chaired by Rep. Carole Fiola and Sen. Barry Finegold, held a lengthy hearing on a range of gambling-related bills. Testimony first focused on H. 496 to allow the Massachusetts Gaming Commission to authorize Plain Ridge Park Casino to add table games and more slot machines. Supporters, including Rep. Jeffrey Roy, Sen. Finegold, Rep. Barry R. Finegold, Rep. Brian Vaughn, and Plainville officials, argued the change was needed to keep Massachusetts gaming dollars from flowing to Rhode Island, protect jobs, and preserve local tax revenue. They described Plain Ridge as a strong community partner and cited host-community benefits such as municipal infrastructure projects and local aid. Opponents or skeptical witnesses later argued that expanded gambling, especially online, would increase harm and cannibalize existing casinos and local economies. The committee also heard testimony on bills related to sports betting restrictions and online gambling. Sen. John Keenan presented a “Better Health Act” proposal to ban prop bets and in-play bets, require affordability checks, prohibit hosts, raise the sports betting excise tax, expand funding for problem-gambling services, and increase research and data sharing. He and supporters framed the bill as a public-health response to addiction, suicide, bankruptcy, and other harms. Rep. David Nangle, speaking from personal experience with gambling addiction, strongly opposed internet gaming, warning that it would intensify addiction and expose children and families to 24/7 gambling on phones. In contrast, Rep. David Moradian and industry witnesses supported H. 4431 to legalize and regulate internet gaming, arguing it would bring illegal activity into a regulated market, generate new revenue, and include consumer protections such as age verification, deposit limits, self-exclusion, and responsible-gaming tools. The committee also took testimony on H. 4238, which would expand fundraising options for fraternal organizations, especially the Elks. Rep. Bruce Ayers and Elks representatives said the bill would help lodges raise money for scholarships, veterans’ services, and community programs after COVID-related losses and declining membership. On H. 480, Rep. Kathleen LaNatra, Rep. Badger, and representatives of veterans organizations and gaming-machine operators urged allowing qualified veterans groups to participate in certain video gaming activity, saying it would provide a sustainable revenue source to keep posts open and support veterans’ services. Dr. Rachel Volberg testified that expanding gambling, especially online gambling and slot machines at veterans organizations, would likely increase gambling harm, and she urged stronger harm-prevention measures, data reporting, and research funding. Other witnesses, including anti-gambling advocates and industry representatives, sharply disagreed over whether legalization would reduce illegal gambling or worsen addiction and social costs. No votes or final actions were taken during the hearing.

Transcript Highlights:

• I yield myself such time as I may consume.
• I yield myself such time as I may consume.
• I I yield myself such time as I may consume.
• And we CONSUME. >> THE GENTLEWOMAN IS RECOGNIZED.
• CONSUMER PROTECTION BUREAU, THE RESULTS OF PROTECTING MILITARY SERVICE MEMBERS AND VETERANS BY THAT PARTICULAR

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, January 20, 2026, 1012, house, all

Transcript Highlights:

• I am the Director of Consumer Services.
• They're regulated by the Uniform Money Services Act, so that's the state law.
• to see if it varied by consumers' credit scores, for example.
• So we have a lot of the consumer ...of some of the CHISA consumers that we talked with here in Washington
• Of all the HISA consumers, yet we believe it's a very diverse sample of HISA consumers with varied experiences

Summary: The committee first heard a work session on cryptocurrency kiosks from the Department of Financial Institutions and Spokane City Councilmember Paul Dillon. DFI described crypto kiosks as licensed money transmission terminals that allow cash purchases of virtual currency, and said the main concern is fraud: scammers often pressure victims, especially older adults, to deposit cash into kiosks and send it to wallets controlled by organized crime. DFI cited a sharp increase in kiosk volume, nationwide fraud complaints and losses, and said Washington currently has licensing and disclosure rules but lacks transaction and fee limits. The department said it is seeking stronger disclosures, a $1,000 daily transaction limit, and a fee cap. Spokane described its unanimous ordinance banning new kiosks and removing existing ones after local scam reports, and members asked about how the machines work, whether the fraud is in the hardware or the transaction, and whether stronger warnings or screening could help. The committee then reviewed home equity sharing agreements, or CHISAs, based on a report by Mariana Amaram and testimony from DFI and industry representatives. The report found that CHISAs provide homeowners a lump sum in exchange for a share of future home value or appreciation, with no monthly payments, but that consumers often struggle to understand the products and settlement calculations. The report said the market has grown quickly in Washington, that costs can be hard to predict, and that early uncapped contracts could produce very high settlement amounts, especially during periods of rising home prices. DFI said it views these products as mortgage loans and is moving forward with rulemaking, including counseling and clearer disclosures, while industry witnesses said the products are equity-based rather than debt-based and asked for tailored regulation. Members discussed the need for better consumer education, clearer payoff schedules, and whether the products should be treated as mortgages or a separate category. The final panel focused on Washington’s space economy, with presentations from Amazon Leo, Blue Origin, Stoke Space, Space Northwest, and Green River College. Speakers highlighted major in-state investments in satellite manufacturing, launch systems, and workforce training, including Amazon Leo’s Redmond and Kirkland facilities, Blue Origin’s Kent headquarters, and Stoke Space’s Kent manufacturing and Moses Lake test site. Space Northwest presented data showing the sector’s growing economic footprint, high-wage jobs, and regional clusters in Kent and Redmond, and urged more workforce programs, incentives, infrastructure support, and a state space commission. The companies emphasized local hiring, apprenticeship and certification programs, and the role of Washington’s aerospace supply chain in supporting the broader space industry. No votes were taken during the transcript excerpt.

Transcript Highlights:

• for those in recording, because of the internet outage this morning, we do not have live streaming services
• Consumers really want these types of products. The industry knows the value of this.
• And again, the biggest thing we're seeing is safety issues for our workers and consumers.
• This preserves a consistent and fair standard for all consumers and retailers alike.
• , adult consumers, and retailers.

Keywords: 995, all

Summary: The committee heard testimony on several bills, with the longest discussion focused on House Bill 426 and Senate Bill 263, which would prohibit the sale in Massachusetts of cosmetics known to rely on vertebrate animal testing. Supporters from Animal Defenders International, Humane World for Animals, and the Animal Rescue League said animal testing is cruel, outdated, and unreliable, and pointed to non-animal alternatives and similar laws in other states and countries. No opposition was heard on that bill during the excerpt, and witnesses urged the committee to report it favorably. The committee also took testimony on House Bill 4543, which would clarify an existing pipe-fitting exemption for certain work performed on property owned by industrial plants, utilities, colleges, and similar institutions. A representative for Construction Industries of Massachusetts supported the bill, saying it would preserve longstanding practice for outside contractors doing yard piping work. Pipefitters Local 537 opposed it, arguing the work is properly licensed pipefitting and that the bill would weaken licensing standards and undermine state inspectors. Another major topic was Senate Bill 237 on regulating self-checkouts in grocery establishments. The Mass AFL-CIO and UFCW Local 1445 supported the bill, saying self-checkout has reduced staffing, increased worker stress and customer conflict, and contributed to theft and safety problems. Workers described being responsible for multiple machines at once, verbal abuse, and even assaults, and said the bill’s staffing and machine limits would improve safety and customer service. The committee also heard extensive testimony on House Bill 355, which would allow veterinarians to establish a client-patient relationship via telehealth; ASPCA, MSPCA, and several veterinarians supported it as a way to expand access to care, while the Massachusetts Veterinary Medical Association and several veterinarians opposed it, arguing that an in-person exam is essential for proper diagnosis and that telemedicine should only follow an in-person VCPR. Finally, the committee heard testimony on House Bill 330, Senate Bill 221, and House Bill 371, which would preempt local boards of health from adopting tobacco-related age or sales restrictions beyond the statewide standard. Public health advocates opposed the bills, arguing they would block local innovation and undermine nicotine-free generation policies adopted by municipalities, while retailers and tobacco trade groups supported them as necessary to preserve a uniform statewide age-21 standard and avoid confusion for consumers and businesses. No votes or final actions were taken during the excerpt.