Video & Transcript Research : 'electronic documentation'

Page 129 of 500
HI

Hawaii 2025 Regular Session

TOU/EDT Joint Info Briefing - Mon Jun 23, 2025 @ 10:00 AM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • Let me get out another document.
  • looked at and we saw the documents looked at and we saw the documents themselves.<01:55:42.639><
  • <04:01:04.960> needed the time to create the documents needed the time to create the documents
  • <04:21:24.319> called structure of HD was a document called structure of HD was a document
  • <04:21:37.520> our members and staff and it documented our members and staff and it documented
Keywords: 910, house, all
Summary: The joint House and Senate tourism briefing focused on the Hawaii Tourism Authority’s interim action plans, current projects, contract oversight, destination management action plans (DMAPs), and the impact of recent legislation and audit findings. Interim CEO Caroline Anderson said she accepted the temporary role to help address agency challenges, emphasized rebuilding trust, and said HTA is reviewing the state auditor’s concerns and posting its response publicly. She also described HTA’s mission and organizational structure under SB 1571, including reporting lines to the governor, the director, and the board, and outlined staff additions in finance, brand marketing, destination stewardship, and planning. A major topic was the permanent CEO search. HTA board chair Tata Po said the goal is to select a CEO within about four months, with the search firm still engaged, the position description being revised to reflect the new law and compensation changes, and approvals still needed before the job can be reposted. Members expressed frustration that the recruitment had been paused and questioned whether HTA has sufficient qualified leadership and staff during the interim period. Board leadership said the current staff is limited by vacancies but that they have confidence in the team and will add resources if needed. Members also pressed HTA on the role of the destination stewardship team and the CNHA/Kilohana contract, asking how staff oversight works and whether staff members were effectively wearing multiple hats. HTA explained that the stewardship team provides direction to contractors and that the work is divided among specialists overseeing projects such as tour guide certification, technical assistance, community tourism collaboratives, and a destination app. The committee also discussed whether the board can still vote on budgets under the new structure; the Attorney General’s office was cited as confirming that the board may advise, but the department director retains budget authority. HTA said it is working with CNHA and HVCB on contract and budget timing, with a goal of shifting to a calendar-year process so recipients know funding earlier.
NH

New Hampshire 2026 Regular Session

House Municipal and County Government (01/16/2026)

Municipal and County Government

Transcript Highlights:
  • And explain to the committee how that's determined and what inputs are needed and what documentation.
  • and what documentation. and what documentation.
  • blue sheet and the paper the electronic blue sheet and the paper blue<03:23:33.600> sheet.
  • <03:30:55.279> I<03:30:55.520> sometimes law behind those documents.
  • I sometimes law behind those documents.
Keywords: 1189, house, all
MN

Minnesota 2025-2026 Regular Session

Committee on Health and Human Services - 03/10/26

Health and Human Services

Transcript Highlights:
  • And what I could see in the documentation, there is no case management.
  • :18.240> no<00:23:18.480> case documentation, there is no case documentation, there is
  • <00:25:50.960> with calling and documenting working with calling and documenting working with
  • > date documentation to valid date documentation to valid date reimbursement<00:27:04.480>
  • service or excessive documentation service or excessive documentation supporting<00:27:08.240>
Keywords: 1187, senate, all
NH
Transcript Highlights:
  • You have to document that.
  • that you have to pro show document that you have to pro show evidence<00:30:54.799> that<00:30
  • , including documentation that has come out of Health Trust saying the same thing.
  • the years of documentation over the years including<01:47:12.080> documentation<01:47:12.800>
  • <02:19:36.240> funds for direct deposit or electronic funds for direct deposit or electronic
Keywords: 928, house, all
Summary: The subcommittee continued work on Senate Bill 297 and a new amendment dealing with pooled risk management programs and whether they should be regulated under the insurance department. Lisa Duket, executive director of SchoolCare, testified at length that the draft language could allow co-mingling of public entity risk funds, could trigger producer-licensing requirements for staff who are not actually brokers, and may not fit public entity risk pools because they are not insurance companies. She also raised concerns about the March 1 reporting deadline, the proposed uniform accounting language, aggregate excess insurance, examination costs being charged to the program, and confidentiality provisions that she argued may conflict with right-to-know principles for public entities. She urged the committee to slow down and consider a study committee or more time for review, saying the regulated entities were not adequately involved in drafting the proposal. Chairman Hunt and the department responded that the bill is intended to create a licensure-based regulatory model, similar to other licensed industries, and that the pooled risk management program would be exempt from producer licensing while anyone else selling or negotiating such coverage would need a producer license. The department said failure to comply would be handled through an administrative licensing process, with denial or nonrenewal of a license and appeal through the department process. On the reporting deadline, the department said March 1 is a standard filing date used for financial analysis and that the filing can be the most recent annual report, regardless of fiscal year end. They also explained that the confidentiality language was taken from existing RSA 5B, that aggregate excess insurance was included as a solvency measure, and that the draft was intended to preserve familiar language while adapting it for pooled risk programs. The discussion did not include a final vote or formal action on the bill in the portion provided. The committee appeared to be compiling follow-up questions for the insurance department and considering whether additional revisions or a slower process would be needed before moving the bill forward.
KY
Transcript Highlights:
  • All materials have been sent electronically to all of the members.
  • In addition, they have to document a lot of data and submit to KDE that we're doing this, we provided
  • Our review of the RTC documentation that was submitted, along with a review of annual reports, found
  • It's a lot of money being spent and a lot of time spent on the staff supplying documentation and KDE
  • OEA staff are here today to present that document, and it looks like they're up at the table.
Summary: The subcommittee heard an Office of Education Accountability report on Kentucky’s early childhood regional training centers (RTCs). OEA said the centers provide valuable training, consultation, technical assistance, and materials for preschool personnel, especially for children with disabilities and at-risk students, and that the services align with state and federal requirements. However, the report found uneven student and teacher populations across regions, wide variation in per-student funding, some staffing data inaccuracies, and several fiscal oversight concerns, including inconsistent indirect cost rates, a building rental charge that may have been duplicative, and host districts recording RTC expenditures in a way that could blur them with district finances. OEA also said some documentation of progress toward goals was incomplete and that the technology lending library appeared underused. The report recommended stronger KDE oversight, uniform coding and accounting practices, review of budgets and expenditures, and an evaluation of whether the current five-center model remains the most efficient structure; OEA also suggested the General Assembly may wish to revisit KRS 157.318. Members asked about KDE’s response, whether the centers are required by federal law, how the centers operate, and whether changing the model would affect federal funding. OEA said KDE had only discussed the findings informally and had not issued a formal response, the centers are required by state law but not federal law, and changing the model would not jeopardize IDEA preschool funds. The committee accepted the report by motion. The subcommittee then approved the minutes from its July 14, 2025 meeting after initially delaying action because quorum was not yet present. After that, members turned to the Office of Education Accountability’s proposed 2026 study agenda. OEA said the three proposed topics are the annual district data profiles, facilities funding, and implementation of early literacy statutes. The district profiles would add an appendix showing the number and percentage of students moving to private school or homeschool by district and another appendix noting data-quality issues that affect comparability. OEA explained that district staffing data can undercount contract staff because those employees are not always entered into the system, and members expressed interest in tracking whether prior recommendations were implemented. One senator also raised a separate interest in reviewing whether KDE created and implemented regulations related to KFIX. The discussion remained informational, with no final vote on the study agenda shown in the transcript excerpt.
MN

Minnesota 2025-2026 Regular Session

Committee on Elections - 01/28/25

Elections

Transcript Highlights:
  • Before any electronic voting system is used in Minnesota, it must first be tested and certified by a
  • Four electronic voting system vendors are currently certified in Minnesota, including Election Systems
  • But there’s a big difference between someone who’s... and documented but sometimes we get back and documented
  • the ballot board and it's documented the ballot board and it's documented there<01:22:12.920>
  • tabulated it would have to be documented tabulated it would have to be documented and<01:22:34.159
Keywords: 1187, senate, all
MN

Minnesota 2025-2026 Regular Session

House Transportation Finance and Policy Committee 3/19/25

Transportation Finance and Policy

Transcript Highlights:
  • <01:19:15.280> 16% you'll see on the documentation 16% you'll see on the documentation 16%
  • This is compounded by the fact of the active use of electronic devices that are going along with this
  • use<01:38:11.360> of by the fact of the active use of by the fact of the active use of electronic
  • 12.960> that<01:38:13.199> are<01:38:13.440> going<01:38:13.600> along electronic
  • devices that are going along electronic devices that are going along with<01:38:14.080> this<
Keywords: 1183, house
MA

Massachusetts 2025-2026 Regular Session

Formal House Session 19 Jun 21st, 2026 at 11:00 am

Massachusetts House Floor Meeting

Transcript Highlights:
  • striking out the text contained therein and inserting in place thereof the text contained in House Document
  • in proposed Joint Rule 1D by inserting at the end thereof the following: If a committee uses an electronic
  • This amendment states that a committee vote that is taken electronically, not in person, must have a
Keywords: 995, all
Summary: The House first took up House Bill 58, a fiscal year 2025 supplemental appropriations bill. The chamber adopted a further amendment offered by Rep. Michael Witts of Boston, then concurred with the Senate as amended after a roll call vote of 128-23. The House then moved to the orders of the day and considered the proposed permanent joint rules for the 2025-2026 session (House No. 2026 / Senate No. 18), with Rep. Moran of Brighton presenting the package as a set of transparency and process reforms, including joint committee procedures, a 60-day reporting deadline, public posting of summaries and testimony, and revised formal session timing. A series of minority amendments offered largely by Rep. Jones of North Reading and others were debated and repeatedly rejected, including proposals to require roll call votes for post-July 31 formal business, require two weeks’ notice for such sessions, publish State Auditor audits on the legislative website, require SJC advisory opinions on constitutional disputes, extend poll windows to two hours, require advance notice of electronic polls, and lengthen amendment filing deadlines. Supporters argued these changes would improve transparency, accountability, and member access; opponents said they would slow the legislative process and reduce flexibility. Most of these amendments failed on roll call votes by margins of 128-23 or similar, while a technical amendment from Rep. Galvin was adopted. The House then adopted the joint rules package by roll call, 128-23. The chamber also adopted the House rules package for the 2025-2026 session (House No. 2024) after debate led by Rep. Galvin of Canton, who emphasized modernization, online transparency, in-person participation, and an outside audit and EEO officer. Additional minority amendments on committee reporting, timing of formal business, and poll procedures were debated and defeated, while one technical amendment was adopted. The House later returned to the issue of legislative audits, rejecting an amendment to require House audits by the State Auditor after a lengthy debate over Question 1, separation of powers, and the scope of the auditor’s authority. The session ended with a memorial tribute to former Rep. Carol Doherty and an order to adjourn until the next day at 11 a.m.
VA
Transcript Highlights:
  • We need to adopt a new electronic meetings policy, and Chandler is going to lead us through that.
  • extends beyond the dollar cuts to include programmatic changes, work requirements, new eligibility documentation
  • provider interoperability initiative, which is thinking about modernizing and connecting systems, electronic
CA
Transcript Highlights:
  • That's a document that's produced by our OPA, our Office of Public Affairs, and it provides an overview
  • The objective of the CARS project is to replace the outdated Cal Access for electronic reporting of campaign
  • The objective of the CARS project is to replace the outdated Cal Access for electronic reporting of campaign
Keywords: 988, house, all
Summary: The Assembly Budget Subcommittee No. 5 on State Administration heard a series of budget proposals and informational items, beginning with the Department of Housing and Community Development’s HCD Connect system. HCD requested permanent authority for seven existing temporary positions to maintain and expand the system, and also sought funding and positions to implement eight 2025 housing-related bills. Members asked about how HCD Connect will interact with programs moving to the new Housing Development Finance Committee and about the revised implementation cost for AB 1053, which HCD said had dropped from about $6 million to $1.9 million because of shared infrastructure with HDFC and CalHFA. The committee also heard Cal ICH’s request for $339,000 to implement AB 678 on LGBTQ+ inclusive and culturally competent homelessness services, with testimony emphasizing the need for better data and training for a population disproportionately affected by homelessness and discrimination. The Department of Financial Protection and Innovation presented three continuation proposals: funding for the California Consumer Financial Protection Law program, the Debt Collector Licensing Act program, and the broker-dealer/investment adviser continuing education program. Members and public commenters focused heavily on the debt collector licensing fees, the number of licensees, and whether assessments were too high compared with other states; DFPI explained that fees are set on a pro rata basis tied to net proceeds and that the workload remains substantial. Public testimony also supported DFPI’s student loan assistance work and raised a separate request for franchise broker registration funding. The committee then took up a mandate suspension item, voting to suspend a new disclosure mandate related to deferred property taxation, and heard trailer bill language from the Department of Finance on AB 91/MENA data collection, aimed at protecting federal funding, ensuring non-disclosure, and allowing more time for implementation. The Secretary of State presented Help America Vote Act funding for VoteCal and the HAVA spending plan, as well as the Cal-Access Replacement System (CARS), the Notary Automation Program Replacement Project (NAP 2.0), and AB 1392 on confidential voter registration for elected officials and candidates. Members asked about project costs, timelines, user testing, and data migration; the Secretary of State said VoteCal funds would be exhausted in 2027–28, CARS is targeted for completion by November 2026, and AB 1392 would require system modifications and new confidentiality procedures. The committee also heard an informational overview from the California Arts Council, which described its 50th anniversary, the economic impact of arts funding, and the cultural districts program; public testimony strongly urged increasing Arts Council grant funding from $24 million to $50 million and adding support for cultural districts. Throughout the hearing, the committee took multiple vote-only actions approving the items before it, with votes recorded on the HCD, Cal ICH, DFPI, HAVA, CARS, NAP 2.0, and AB 1392 proposals, while some items were held open or discussed without a quorum at earlier points in the meeting.
AZ

Arizona 2026 Regular Session

02/09/2026 - House Public Safety & Law Enforcement

Public Safety & Law Enforcement

Transcript Highlights:
  • Classification to include the intentional use of directed communication, whether verbally, written, or electronically
  • This bill would include directed communication, online chat rooms, verbal or written electronic communications
  • and lawlessness at the Arizona border was caused by cartels and gangs, and it is extensive, well documented
Bills: HB2665, HB2904, HB2917
Summary: The House Committee on Public Safety and Law Enforcement heard three bills. HB 2665, named Cade’s Law, would expand Arizona’s manslaughter statute to cover intentionally directed communications—verbal, written, or electronic—that encourage a minor to die by suicide, while excluding general public commentary and non-directed discussion of suicide or mental health. The sponsor and several parents and suicide-prevention advocates testified in support, emphasizing teen suicide risks and the need to address online communication. Some members raised concerns about ambiguity, peer-to-peer counseling, and whether minors could be swept into the statute. After a verbal amendment clarifying the communication language, the bill passed 10-4 with several members voting present due to drafting concerns. HB 2904 declared fentanyl trafficking across the Arizona-Mexico border a public health crisis and directed state health officials to act within their authority. The sponsor argued the bill was needed to combat cartels and protect Arizona from fentanyl-related deaths. The ACLU of Arizona opposed it, saying the bill used vague and unprecedented terms such as “unlawful invasion,” could sweep in asylum seekers or low-level drug offenders, and might affect bail and sentencing. After a contentious debate over border security, sovereignty, and the bill’s definitions, the committee gave HB 2904 a do pass recommendation by an 8-6 vote. HB 2917 would create a firefighter cancer registry at the Department of Health Services to collect and analyze data on cancer among Arizona firefighters. Firefighter representatives supported the measure as a way to better understand occupational exposure and improve prevention, but members questioned whether the bill’s reporting requirements were truly voluntary, since the draft appeared to require participation and provider reporting of medical information. The sponsor and supporters said the intent was not to mandate disclosure and were open to amendments to clarify consent and privacy. The committee approved the bill 12-1, with one present vote and one absence, while noting that cleanup amendments would be needed before floor consideration.
MO

Missouri 2026 Regular Session

Government Efficiency Jan 15th, 2026 at 08:00 am

Government Efficiency

Transcript Highlights:
  • You should just ensure that you have completed an electronic verification to finalize and push through
  • they would basically, in some situations, have to do a little bit more work to go and find all the documents
  • I did submit electronically. I made a little tag there in the comment box.
Keywords: 959, house, all
FL

Florida 2026 Regular Session

Transportation Nov 18th, 2025

Transportation

Transcript Highlights:
  • Please silence all electronic devices.
  • respect to working with our We are also eager and looking forward to recommending updates to how we document
  • It then grants authority to allow customers to opt in to receive department notices by electronic means
Summary: The committee held a panel discussion on micro-mobility device regulation and enforcement, focusing on e-bikes and e-scooters. Sheriff Robert Hardwick and Chief Jamie Cruz described serious injuries involving children, including crashes at high speeds, and argued that current law is outdated because it folds e-bikes into the bicycle statute. They urged a separate statewide framework with clearer age limits, licensing or training requirements, helmet rules, and penalties for modifying devices to go faster. Both also emphasized that parents should bear responsibility and that enforcement should include education, progressive discipline, and, if needed, civil citations. FDOT District 6 Secretary Daniel Iglesias and DHSMV representative Lonnie Groner said their agencies are prioritizing education, outreach, and better data collection. They noted that micromobility devices are increasingly common, create safety and accessibility issues on sidewalks and shared-use paths, and are difficult to track because crash reports often do not identify them consistently. Members discussed whether motorized devices should be barred from sidewalks, whether riders should be licensed and insured, and how enforcement could be made uniform statewide. The panel also said manufacturers have not been meaningfully engaged and that local approaches vary widely. The committee then heard 2026 legislative priorities from FDOT Secretary Jared Perdue and DHSMV Executive Director Dave Kerner. Perdue outlined FDOT’s large five-year work program, ongoing congestion-relief projects, investments in ports, airports, rail, workforce, heavy equipment, facilities, and cybersecurity, and the need to do more with flat revenues. Kerner summarized DHSMV’s agency bill priorities, including requiring a Florida address and proof of residence for vehicle registration, updating identification requirements, aligning tank vehicle and motor carrier rules with federal standards, improving IFTA administration, raising the crash-report damage threshold, and allowing electronic notices. No votes were taken, and the meeting adjourned after the presentations and questions.
TX

Texas 89th Regular

Business and Commerce May 8th, 2025

Business & Commerce

Transcript Highlights:
  • public testimony or register a position on a bill from today's posting, please register at the electronic
  • The illegal data collection, unlawful sale of private data, and invasive surveillance have been documented
  • The first two of which are before an electron is even produced.
Summary: The meeting was a thorough exploration of multiple bills, most notably focused on innovative energy solutions and public safety enhancements. Key discussions centered around HB14, which aims to bolster the state's nuclear energy capabilities through the establishment of a Texas Advanced Nuclear Energy Office. Senators and expert witnesses discussed the potential of nuclear power as a clean energy source and a strategic necessity for Texas's growth. There was strong support for the bill, with various stakeholders highlighting its importance for the future energy landscape. Additionally, other bills like HB132 addressed the need for enhanced confidentiality protections regarding sensitive information, while HB1584 sought improvements in power restoration procedures during emergencies. Overall, the committee engaged with multiple viewpoints, balancing innovation with safety and ethical considerations.
TX

Texas 89th 2nd C.S.

Higher Education Apr 29th, 2025

Higher Education

Transcript Highlights:
  • The House Committee on Administration has established, an electronic public comment process for all Texans
  • All public comments submitted through the portal will be posted on electronic legislative information
  • The document would be filed, would be filled out along with other paperwork required when preparing to
Bills: HB232
TX

Texas 89th 2nd C.S.

Intergovernmental Affairs Apr 1st, 2025

Intergovernmental Affairs

Transcript Highlights:
  • To all those wishing to testify in person, please ensure you're registered through the electronic witness
  • It will also remove outdated paper retention policies and allow sellers to maintain records electronically
  • You, you sign all the CO documents, you sign all those sales agreements, you, you know, everything else
Bills: HB303
FL

Florida 2026 Regular Session

Agriculture Mar 25th, 2025

Agriculture

Transcript Highlights:
  • Please silence all electronic devices.
  • manufacturers are not required to disclose trade secrets except when necessary to provide mandated documentation
  • It's called an electronic service tool.
Summary: The Committee on Agriculture met with a quorum present and first heard SB 1826 by Senator Martin, which would restrict ultra-processed foods served to public school students during the school day. Senator Martin said the bill is aimed only at government-purchased food in public schools, not parents’ lunches or after-school sales, and argued it is intended to protect children’s health and school performance. Members questioned the bill’s definition of ultra-processed food, its scope during the school day, and possible cost and compliance issues. Senator Rouson offered a friendly amendment extending the compliance date from July 1, 2025 to July 1, 2026, and the committee adopted it. Several industry groups and associations spoke against the bill, citing lack of a clear definition, FDA preemption concerns, costs, and the risk of a state-by-state patchwork; Moms for Liberty waived in support. Senator Martin then temporarily postponed the bill for further work. The committee next took up CS for SB 1132 by Senator Truenow on consumers’ right to repair certain equipment, including agricultural equipment and portable digital devices. An amendment by Senator Boyd was adopted to exclude security and life-safety systems and remove automobile-related provisions. Public testimony included opposition from TechNet, which said the bill is unnecessary because repair parts, tools, and manuals are already available and asked for changes to make the bill prospective and remove the private right of action. Agricultural equipment dealers and manufacturers testified against the bill, arguing that current repair resources and a memorandum of understanding with the Farm Bureau already address repair access, while warning that the bill could undermine dealer margins, parts inventory, training programs, safety, cybersecurity, and emissions compliance. Some members supported the concept but noted the bill still needed work. The committee voted 4-0 to report CS for SB 1132 favorably. The meeting concluded with a presentation from Florida 4-H youth leaders on the organization’s impact and goals. The presenters described 4-H’s role in leadership, agriculture, STEM, and healthy living, highlighted statewide participation and camp programs, and asked for continued support for camp improvements, especially the Camp Cherry Lake revitalization effort. Senators praised the students’ presentations and the value of 4-H before the committee adjourned.
FL

Florida 2026 Regular Session

Fiscal Policy Mar 20th, 2025

Fiscal Policy

Transcript Highlights:
  • Please silence all electronic devices.
  • Please silence all electronic devices.
  • report, so districts would be in compliance with this law if they submit a report that includes documentation
Summary: The committee heard and approved several bills. CS for CS for CS SB 138, Trenton’s Law, would broaden DUI and boating-under-the-influence laws to cover any impairing substance, increase penalties for refusal to submit to breath or urine testing, allow blood warrants in misdemeanor DUI/BUI cases, enhance penalties for DUI with death or vehicular homicide involving prior convictions, and authorize DUI diversion programs. Supporters included law enforcement and prosecutors, who said the bill addresses gaps involving over-the-counter drugs and refusal cases; the Florida Association of Criminal Defense Lawyers raised concerns about the breadth of the “any impairing substance” language and record consequences for first refusals. The bill was reported favorably. The committee also reported favorably SB 400, which removes the repeal date from Florida’s Interstate Compact on Educational Opportunities for Military Children, and CS for SB 102, which creates a workforce credentialing program for exceptional student education students, especially those with autism, to earn badges for job skills and safety-related competencies. SB 102 drew questions about fiscal impact and teacher training, with supporters emphasizing workforce readiness and parent involvement while some members raised concerns about costs and implementation. SB 130, which updates compensation for wrongfully incarcerated people found factually innocent, was also reported favorably after supporters argued Florida’s current law is too restrictive and too few exonerees have been compensated. The committee then approved CS for CS for SB 296, which repeals the statewide mandate for later middle and high school start times and returns the decision to local districts, while requiring districts to document their analysis of sleep, safety, transportation, and other impacts. An amendment added a reporting requirement to show how districts considered later start times and any unintended consequences. The bill drew broad support from school officials and education groups, with members noting transportation and extracurricular challenges. Finally, SB 234, dealing with criminal offenses against law enforcement officers, was reported favorably after debate over whether the bill should retain “good faith” language and how it would affect defenses and officer accountability. The committee also passed CS for SB 274, designating a portion of International Drive as Harris Rosen Way and adding a memorial designation for the late Senator Geraldine Thompson near the Wells Built Museum; members praised both honorees and the bill was reported favorably. The committee adjourned after recording one member’s request to be shown voting yes on the first bill.
TX
Transcript Highlights:
  • Witnesses, please be sure to register using the electronic witness registration system accessible on
  • bills, my committee subs aren't even back yet, so we'll, so they're given that we don't have final documents
  • To your electronic inboxes as well, but we do have physical copies for you.
TX
Transcript Highlights:
  • epidemic of theft involving organized retail crime by criminal gangs and cartels, sophisticated electronic
  • authority to respond to various types of financial fraud such as check fraud fraud, unauthorized electronic
  • Criminals exploit gaps in the law to steal financial documents from mailboxes. identity theft, financial