Video & Transcript Research : 'Consumer Financial Protection Bureau'

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TX
Transcript Highlights:
  • How is that protecting our? Children, I do not understand.
  • I urge you to vote against this bill and vote to protect Texas children.
  • Senate Bill 18 is not about protecting children.
  • This bill truly does aim to protect children.
  • It's about protecting children. These kinds of things.
TX
Transcript Highlights:
  • It's about protecting children.
  • Adults can do whatever they want to do, but this is about protecting children, and I yield.
  • On Senate Bill 666, by supporting this bill, we can take a meaningful step towards protecting the health
  • Elected or appointed officer in Texas swears an oath to preserve, protect, and defend the laws and the
  • And it's a chilling... effect on local prosecutors protecting Texans when the feds... don't want them
NH

New Hampshire 2026 Regular Session

Senate Energy and Natural Resources (02/10/2026)

Energy and Natural Resources

Transcript Highlights:
  • So again, the intent of this is just to provide some protection to our consumers in terms of electricity
  • So again, the intent of this is just to provide some protection to our consumers in terms of electricity
  • So again, the intent of this is just to provide some protection to our consumers in terms of electricity
  • So again, the intent of this is just to provide some protection to our consumers in terms of electricity
  • So again, the intent of this is just to provide some protection to our consumers in terms of electricity
Keywords: 1191, senate, all
NH

New Hampshire 2026 Regular Session

House Environment and Agriculture (01/13/2026)

Environment and Agriculture

Transcript Highlights:
  • So people can go the general consumer.
  • <01:56:15.840> our can make a difference to protect our can make a difference to protect our
  • express my thoughts on on the financial express my thoughts on on the financial aspects<02:24:15.040
  • <04:20:37.359> invertebrates dedicated to protecting invertebrates dedicated to protecting
  • <04:40:51.360> air narrowing it down to just protect air narrowing it down to just protect
Keywords: 1189, house, all
NH

New Hampshire 2025 Regular Session

House Public Works and Highways (03/10/2025)

Transcript Highlights:
  • resources we are proud to protect resources we are proud to protect promote<03:53:47.439> and
  • , and the Bureau of Historic Sites.
  • Bureau, and civil bureau all make use of these billing and timekeeping functionalities to keep track
  • Bureau, and civil bureau all make use of these billing and timekeeping functionalities to keep track
  • trusts unit uh Environmental Protection trusts unit uh Environmental Protection Bureau<04:32:22.600
Keywords: 928, house, all
Summary: The committee heard a Department of Corrections capital budget presentation on HB 25, focused largely on urgent maintenance and security needs at the New Hampshire State Prison for Men and other DOC facilities. DOC officials described the governor’s proposed priorities: boiler surge and radiator tank replacements, electronic controls and camera upgrades, and replacement of HVAC units using R22 refrigerant. They also outlined additional requested projects totaling $15.4 million, including a body alarm/man-down system at Northern New Hampshire Correctional Facility, steam line and trap repairs, fire alarm replacements, and removal of an underground diesel tank in favor of above-ground storage. DOC testified that many systems are well beyond their expected service life, including 40-year-old boilers, outdated analog cameras, and HVAC equipment using discontinued R22 refrigerant. They said the men’s prison is relying on a leased temporary boiler, has significant steam leaks causing major water loss and reduced boiler efficiency, and is dealing with frequent fire alarm faults and deteriorating wiring. On the body alarm system, they said the vendor no longer supports the equipment and replacement parts are no longer available. On the diesel tank, members questioned whether it could be abandoned in place or whether fuel could be reused; DOC said it had not explored all alternatives and would follow up, while noting the tank is underground and tied into the warehouse system. Members also asked whether some current investments could be reused in the planned new men’s prison. DOC said some items, such as air handlers, might potentially be moved, but most projects are needed to keep the current facility operational and would not be practical to transfer. Questions were also raised about the leased boiler arrangement, the use of the man-down system by staff and visitors, and whether the kitchen project could be converted to a modular unit. DOC said the modular kitchen approach is necessary because the existing kitchen cannot remain fully operational during repairs. The committee then moved to lapse extensions, and DOC identified several projects no longer needing extensions, including items numbered 64, 65, and 66 in HB 25, with the chair noting those balances would be deleted and that the lapse amount was $550,500.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am

Joint Committee on Financial Services

Transcript Highlights:
  • Murphy, we dealt with a number of consumer protection issues like this all the time.
  • We are an organization dedicated to protecting consumers and fostering innovation through policy.
  • The litigation financing market is largely unregulated, with financiers charging consumers rates that
  • He asked the committee to move forward and help protect consumers and the legal system.
  • We have implemented that voluntarily to protect consumers, so I believe the story that the detective
Keywords: 995, all
Summary: The committee heard testimony on several financial services bills, with the main focus on cryptocurrency kiosk regulation, financial literacy, and earned wage access. Legislators and witnesses described widespread crypto-related scams targeting older adults, often involving impersonation, urgency, spoofed phone numbers, and rapid transfers through kiosks that are difficult to trace or recover. Supporters of the kiosk bills said Massachusetts needs licensing, registration, transaction limits, warning notices, receipts, refund protections, and other safeguards; some also urged a “pause” or hold on transactions to give victims time to reconsider and allow law enforcement to intervene. The Attorney General’s office, AARP, local law enforcement, and several prosecutors and sheriffs backed the consumer-protection approach, while Bitcoin Depot supported a narrower regulatory framework but opposed low fee caps and strict daily limits, arguing they would function like a ban and reduce legitimate use. Witnesses from Waltham police, Middlesex and Essex County law enforcement, and the AG’s office said crypto scams are growing quickly, losses are often unrecoverable once funds move, and current tools are limited. They described cases involving elderly victims losing thousands of dollars, and said warnings alone are not enough because scammers keep victims on the phone and guide them through the process. Some witnesses said a temporary hold or refund mechanism has worked in at least one case, while others emphasized that transaction limits and visible disclosures could reduce harm even if they do not stop fraud entirely. The AG’s office also said it would submit written opposition to separate earned wage advance legislation, while DailyPay testified in support of that bill, saying earned wage access helps workers bridge short-term gaps without debt or credit reporting. The committee also heard support for mandatory financial literacy education from Representative Jim Hawkins, who said high school students need instruction on credit, debt, and inflation before they enter adulthood. In addition, the committee took testimony on litigation financing bills from insurance industry representatives, who argued for disclosure and regulation of predatory litigation lending and warned about foreign interference and reduced plaintiff recoveries. No votes or final actions were taken during the hearing; members asked questions throughout, and the chair noted the need to move testimony along because of time constraints.
MN

Minnesota 2025-2026 Regular Session

Committee on Finance - 04/14/26

Finance

Transcript Highlights:
  • It protects the fund for future generations.
  • It protects the fund for for schools. It protects the fund for future<00:14:47.839> generations.
  • It's a that as a protective element.
  • year-on-year changes in the consumer year-on-year changes in the consumer price<01:09:34.839>
  • 2.3 is in a financial asset. 2.3 is in a financial asset.
Keywords: 1187, senate, all
NH

New Hampshire 2026 Regular Session

House Commerce and Consumer Affairs (01/15/2026)

Commerce and Consumer Affairs

Transcript Highlights:
  • So the penalties of this is 358A:2, the Consumer Protection Act.
  • <00:50:58.319> Um<00:50:58.800> the the Consumer Protection Act.
  • Um the the Consumer Protection Act.
  • :00.480> is<00:51:00.720> a Consumer Protection Act uh is a Consumer Protection Act uh
  • It is intended to be a light-touch bill offering protection from government misuse of AI and consumer
Keywords: 1189, house, all
TX

Texas 89th Regular

State Affairs Apr 30th, 2025

State Affairs

Transcript Highlights:
  • The goal is to reduce the energy cost for consumers across the state.
  • It promotes consumer savings as well as environmental stewardship.
  • Almost all of them offer financial assistance.
  • House Bill 4914 seeks to strengthen and protect...
  • All of which benefit the consumer. Thank you for that testimony.
CA
Transcript Highlights:
  • One, starting on the consumer protection side within the Department of Consumer Affairs alone.
  • But on the other side of the house, on the consumer protection side, we've also expanded.
  • Which is now known as the Department of Financial Protection and Innovation, has also gone through a
  • So I'm going to start off by going through the California Consumer Protection Agency.
  • To align regulatory functions with consumer protections to ensure swift, impactful actions to protect
Keywords: 988, house, all
FL

Florida 2026 Regular Session

Banking and Insurance Feb 4th, 2025

Banking and Insurance

Transcript Highlights:
  • it against eyes that shouldn't necessarily see it, but protecting... ...at a parcel level, protecting
  • But protecting, utilizing that to help the consumer ultimately do a couple things.
  • Number one, help the consumer, help us, help everyone gauge that the consumer can have a portal to understand
  • Is there anything that we can do to protect consumers or work with either the insurance companies, the
  • There's a simple fact that consumers—there are some consumers in circumstances that simply can't afford
Summary: The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts. Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work. Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Tuesday, January 13, 2026)

US Federal House Floor Meeting

Transcript Highlights:
  • ability to protect themselves. ability to protect themselves.
  • Speaker, is about protecting these workers. Protecting these workers.
  • We must protect the Department of Education, and we must protect IDEA.
  • We must protect the Department of Education, and we must protect IDEA. We must protect IDEA.
  • services, and due process protections. services, and due process protections.
NH

New Hampshire 2026 Regular Session

House Environment and Agriculture (02/11/2026)

Environment and Agriculture

Transcript Highlights:
  • So I hope we can all protect them and protect the wild eagles of Exeter.
  • Um, I'm here to support consumers.
  • And he's industry to protect.
  • He replied that when Alan Brooks was leading the environmental protection bureau at New Hampshire DOJ
  • He replied that when Alan Brooks was leading the environmental protection bureau at New Hampshire DOJ
Keywords: 1189, house, all
FL

Florida 2025 Regular Session

January 15, 2025 - 09:00 AM

Transcript Highlights:
  • and organized crime, and protective intelligence.
  • Our Protective Services Division protects the Governor and First Family, visiting governors, visiting
  • The Protective Services Division protects the Governor and First Family, visiting governors, visiting
  • We work with our Protective Intel Group and with the Protective Services Division.
  • job is to stop that and get the consumers their money back.
Summary: The Justice Budget Subcommittee met for an introductory overview of the justice budget and the major agencies within it. Chair Maney explained that the committee would hear broad presentations rather than detailed budget questions, and the first panel included the Department of Juvenile Justice, Department of Corrections, Commission on Offender Review, Department of Law Enforcement, Office of the State Courts Administrator, and the Attorney General’s Office. Each agency described its mission, staffing, budget, and major responsibilities, with repeated emphasis on public safety, rehabilitation, staffing shortages, technology needs, and the importance of mental health services and education in reducing recidivism. Secretary Hall described DJJ’s prevention-to-aftercare continuum, including civil citation, detention, probation, and residential commitment programs, and highlighted reductions in juvenile arrests and commitments. Secretary Dixon said DOC’s biggest issues are staffing, overtime, and inflation, while noting progress in education, reentry, and a low recidivism rate. FDLE Commissioner Glass outlined the agency’s investigative, forensic, intelligence, and protective functions, including work on fentanyl enforcement and crime reporting systems. The State Courts Administrator emphasized the judiciary’s constitutional role, case volume, and challenges in providing interpreters, experts, and technology support. Chief Deputy Attorney General Guard described the office’s litigation, criminal appeals, consumer protection, and opioid recovery work, especially defending state laws and recovering opioid settlement funds. Members then asked questions about prison conditions, immigration enforcement, court filing fees, crime reporting, staffing ratios, and transnational gangs. Agency leaders responded that they were not aware of ICE contracts in some cases, that FDLE works with immigration authorities and detention facilities under existing authority, and that filing fees are a legislative policy decision. The committee also heard from the Justice Administrative Commission, prosecutors, public defenders, guardian ad litem, regional conflict counsel, and capital collateral regional counsel, who focused on indigent representation, dependency and death penalty cases, and persistent staffing and retention problems. No votes were taken, and the meeting concluded after the presentations and questions.
NM

New Mexico 2026 Regular Session

House - Appropriations and Finance Feb 14th, 2026 at 10:04 am

House Appropriations & Finance

Transcript Highlights:
  • growers, consumers, and our state's signature crop.
  • Why would it not carry forward to consumers?
  • The Council would be charged, as defined in the statute, with identifying solutions to protect consumers
  • It signals our strong support for protecting consumers and businesses while addressing the urgent energy
  • This is intended to evaluate the strategies to protect consumers and maintain affordable electric and
Keywords: 996, all
Summary: During the legislative meeting, House Bill 287 was discussed, which proposes the establishment of a permanent Health and Human Services Committee to oversee the state's $14.4 billion expenditure in this area. An amendment to the bill was adopted, which clarified funding and operational details. Public comments were solicited, but no one spoke in opposition. The committee ultimately voted, with some members expressing concerns about budget implications, but the motion to pass the bill as amended was made and seconded, with several members opposing it. House Bill 371 was also addressed, which focuses on creating an Acequia Infrastructure Fund to support land grant and Acequia communities. The bill aims to provide a financial mechanism for these communities to access funds for infrastructure projects without relying on capital outlay requests. The committee discussed the bill's implications, potential funding sources, and the need for further amendments regarding representation and oversight. A motion to pass the bill was made, with some opposition noted, particularly regarding the lack of specificity in the bill's provisions. Lastly, Senate Bill 143 was presented, which seeks to raise the caps on inspection fees under the Egg Grading Act, among other agricultural regulations. Supportive testimony was provided by representatives from agricultural organizations, emphasizing the need for updated fee structures. The committee engaged in discussions about the bill's implications for consumers and the agricultural sector, ultimately moving towards a vote to pass the bill.
FL

Florida 2025 Regular Session

February 12, 2025 - 03:30 PM

Transcript Highlights:
  • There are also highly skilled positions such as tax... ...entry-level financial analyst.
  • I'm the Deputy Chief Financial Officer for the Department of Financial Services.
  • We have a brand new deputy secretary, division director, and all three new bureau chiefs.
  • We have a brand new deputy secretary, division director, and all three new Bureau Chiefs.
  • So let's move on to the Office of Financial Regulation.
Summary: The subcommittee met to review agency vacancy reports and agency-requested budget reductions, with Chair Lopez framing the discussion around stewardship of taxpayer dollars, agency efficiency, and whether long-vacant positions should be cut or repurposed. Members were given vacancy summaries and asked to focus on how agencies are functioning with current staffing, which positions are mission critical, and whether some vacancies reflect market pay issues, re-engineering of work, or true excess capacity. The chair also noted that agency heads had been asked to provide follow-up information on current openings, average vacancy duration, mission-critical roles, and reasons for vacancies. The Department of Revenue was the first major agency reviewed because it had the largest number of vacancies. Its leadership said vacancies had improved from pandemic-era highs due to market pay adjustments, but that some areas—especially general tax and audit—still had long-term openings. The department explained that some positions are intentionally frozen while work is restructured, that it hires above minimum salary in some cases to stay competitive, and that it is using automation and process changes to reduce backlogs. Members raised concerns about vacancies outside Leon County, out-of-state auditor positions, salary compression, and whether the department should provide a list of frozen positions and the salaries actually needed to recruit. The Department of Financial Services said its long vacancies were concentrated in risk management, law enforcement, and the general counsel’s office, where salaries and competition from private employers and other agencies make hiring difficult. DFS said it was using outside vendors in some areas, had reduced vacancies in its general counsel office significantly, and was willing to identify positions that could be cut, including some from treasury and OAT. The Department of Business and Professional Regulation reported progress in lowering vacancies through statewide recruiting, centralized legal hiring, automation in service operations, and leadership changes in alcoholic beverages and tobacco; it said one recommended cut could be achieved by combining two half-time positions. The Florida Lottery reported a low vacancy rate, said all positions were critical, and explained its longer onboarding time due to extensive background checks; members discussed sales reps, incentives, and the agency’s field-office structure. The Office of Financial Regulation said many of its vacancies were already in the hiring pipeline, with recent vacancies tied to promotions, a death, and internal moves, and noted that it often serves as a training ground for federal agencies. The Office of Insurance Regulation, which had a high vacancy rate concentrated in Leon County, said it had been reducing vacancies from a much higher level and was still working through hiring and administrative constraints.
CA
Transcript Highlights:
  • This is about protecting workers.
  • Motion is do pass and re-refer to the Committee on Privacy and Consumer Protection. Ortega? Aye.
  • Motion is due pass and re-referred to Committee on Privacy and Consumer Protection. Ortega? Aye.
  • Motion is do pass and re-refer to Committee on Privacy and Consumer Protection. Chen? Not voting.
  • Motion is do pass and re-refer to Committee on Privacy and Consumer Protection. Chen?
Summary: The Assembly Labor and Employment Committee heard several bills focused on worker protections, AI in the workplace, bereavement leave, and construction labor standards. SB 909 by Senator Smallwood-Cuevas would increase public works contractor registration fees, raise prevailing wage and related penalties, and direct half of collected penalties back into the Public Works Enforcement Fund. Supporters said the bill would help combat wage theft and misclassification and strengthen enforcement; opponents argued the higher fees and penalties would burden contractors without fixing enforcement backlogs. The committee voted the bill out on a due pass motion to Appropriations. The committee also approved SB 951 by Senator Reyes, which would require 60-day notice when 25 or more workers are displaced by technology and require reporting on AI-related job impacts. Supporters framed it as a response to rapid AI-driven layoffs and a way to gather real-time data; opponents raised concerns about small employers, proprietary information, and litigation. SB 947 by Senator McNerney, the “No Robo Bosses Act,” would require human review of automated discipline, termination, or deactivation decisions and restrict predictive behavior analysis. Supporters said it would prevent biased or mistaken automated decisions; opponents objected to the inclusion of independent contractors, private rights of action, and other provisions. Both bills were advanced to the Committee on Privacy and Consumer Protection. The committee also passed SB 1149 by Senator Durazo, which would expand bereavement leave to cover a “designated person,” including chosen family relationships. Supporters, including AARP and a witness who described losing a long-term partner, said the bill reflects modern family structures; there was no opposition. In addition, SB 1185 by Senator Cortese, applying skilled and trained workforce standards to pharmaceutical facility construction, was approved despite opposition from business and construction groups who said there was no demonstrated safety problem and that the mandate could raise costs and reduce competition. Several other bills on the consent calendar were also approved, and all measures were reported out of committee.
MN

Minnesota 2025-2026 Regular Session

Committee on Commerce and Consumer Protection - 03/13/25

Commerce and Consumer Protection

Transcript Highlights:
  • [Music] Welcome to the Commerce and Consumer Protection Committee, dated March 13th, 2025.
  • Cloud Area Convention visitors bureau Cloud Area Convention visitors bureau both<00:43:17.800>
  • It helps consumers get the right product in the right place at the right time.
  • It helps consumers get the right product in the right place at the right time.
  • Thank you. retailers who in turn sell the consumers retailers who in turn sell the consumers through<
Keywords: 1187, senate, all
NH
Transcript Highlights:
  • , pork, lamb, and goat meat can be sold as individual cuts directly from the producer to the end consumer
  • He said the 1,500-foot setback is really for a surface spill and is meant to protect that.
  • confident that our food protective confident that our food protective services<00:42:09.200>
  • or put into protective or put into protective custody<01:36:00.880> uh<01:36:01.000> we
  • <01:36:46.040> in<01:36:46.520> uh Protections in uh Protections in uh 6448<01:36:48.239
Keywords: 928, house, all
Summary: The committee opened a hearing on HR 18, a resolution urging New Hampshire’s congressional delegation to seek federal changes that would let very small slaughter plants use custom-exempt inspection criteria with a third-party inspector present, so beef, pork, lamb, and goat could be sold as individual cuts directly to consumers. Representative Judy Aron said the resolution was drafted in lieu of state legislation because the issue is governed by USDA rules, and she noted she was also working on an amendment to ensure the measure covered federal “very small” plants. Representative Miner asked for clarification about custom slaughter versus retail sales, and Representative Scully supported the resolution while suggesting language to make clear it applied only to local end consumers. Joyce Brady of the New Hampshire Farm Bureau testified in support, saying the state’s four USDA slaughterhouses and the bottleneck in custom cutting made the issue important. After no further testimony, the chair closed the hearing. The committee then moved into a work session on several bills. For HB 616, members discussed an amendment that had been revised after public comments and Commissioner Jasper’s feedback; Representative Guber said it balanced the competing positions, and Representative Penza and Representative Ger said the language now addressed concerns about animal suffering by allowing euthanasia if a treating veterinarian determines the animal is in extreme suffering. The committee then discussed HB 77, with Representative Penza describing changes to landfill-related standards, including replacing aquifer references with drinking water wells, removing a penalty section, changing discretionary language to mandatory language for the department, and adjusting an in situ soils standard. Members praised the compromise, though Representative Scully raised concerns about the 1,500-foot setback and suggested engineering controls such as berms; Penza responded that current rules do not include such controls and that the setback was intended to address surface spills. Several members said the bill reflected a hard-fought balance and should not be rewritten at the last minute. For HB 505, the freeze-dried food bill, Representative Aron explained that the amendment replaced a simple exemption with a requirement that homestead food operations selling freeze-dried foods from a farm stand, farmers market, or retail food store obtain a homestead food license under RSA 143-A:4. She said the amendment defines freeze-dried foods as fruits, vegetables, and commercially prepared dairy products, and delays the effective date 120 days to allow rulemaking. Members generally supported the approach as a light-touch oversight mechanism for potentially hazardous foods, though Representative Ktoa asked for clarification about how the amendment interacts with existing licensing and inspection exemptions, and Aron clarified that these products would not be exempt from licensing under the relevant law. The committee then turned to HB 250, concerning local authority over dog muzzling, where members broadly supported the amendment as a simple solution, while Representative Ktoa asked about the underlying definition of a vicious dog and whether all listed behaviors would warrant muzzling. The discussion noted that the amendment would allow towns to require muzzling for dogs meeting the statutory definition, while excluding hunting, working, herding, and similar dogs.
NM

New Mexico 2025 Regular Session

IC - Water and Natural Resources Jul 2nd, 2025

Water & Natural Resources Committee

Transcript Highlights:
  • We don't have an emergency response team out of the Drinking Water Bureau.
  • And it's to take available technical, financial, and educational resources.
  • If we can protect the homes and the people who live in the communities, we're protecting the community
  • Those are in protected areas of protection classes one through seven.
  • I think there are protections built into the existing fare plan.