Transcript Highlights:

• This is going to be a direct tax refund, apply towards your income, and get that taken care of.'
• This is going to be a direct<00:21:23.440><c> tax</c><00:21:24.280><c> tax</c><00:21:24.560><c> refund
• ,</c><00:21:25.680><c> apply</c><00:21:26.080><c> towards</c> direct tax tax refund, apply towards direct
• And this bill allows employees to take their own money, allocate it to an employer-sponsored flexible

Bills: HF495, HF4321, HF3902, HF4161, HF3755

Keywords: day care, tax subtraction, child care costs, licensed child care, dependent care assistance, HF4321, dependent care assistance programs, gross income exclusion, federal conformity, Internal Revenue Code, individual income tax, Minnesota tax law, tax conformity, child care assistance, employer-provided dependent care, taxable income, state income tax, retroactive tax change, family care benefits, housing tax credit

Transcript Highlights:

• I just was wanting to connect those dots, that it's where—yes, you don't take direct—but the money that
• It is available on our website, and we are routinely emailing direct targeted communities of interest
• It is available on our website, and we are routinely emailing direct targeted communities of interest
• Speaking from the stance of an employer, this bill is concerning.
• It also removes the fee for an applicant who is transferring a license from one employer to another.

Bills: HB2498, HB2443, HB2567, HB2363, HB2422

Keywords: nursing education, nursing program standards, board of nursing, state board, national accreditation, accreditation body, nursing school, nurse educator, clinical simulation, simulation director, lead nurse educator, NCLEX, licensure exam pass rate, corrective action plan, technical assistance, higher education, program approval, Washington RCW, professional development, nursing licensure

Summary: The committee held courtesy hearings on three bills before moving to executive action on two unrelated measures. House Bill 2443 would create an Armed Forces Reserve post-secondary education grant. Staff explained the bill as written would apply to Army Reserve members and their spouses/dependents, with eligibility tied to Washington domicile or stationing, enrollment in an in-state postsecondary program, and a service obligation or repayment requirement. Rep. DeFoe said the intent was to extend educational support to reservists similar to benefits already available to Washington National Guard members. A reserve ambassador testified in support, emphasizing the role of reserve components in state and national security and disaster response. No vote was taken on the bill during the hearing. House Bill 2567 would restore Washington College Grant and College Bound Scholarship award levels for students attending four-year private, not-for-profit institutions. The sponsor, Rep. Street, said the Legislature had made a budget-driven cut last session and should reinstate the aid as soon as possible. Students and representatives from private colleges testified that the cuts would reduce access, increase debt, and disproportionately harm low-income, first-generation, and students of color; supporters also argued the aid helps students stay in Washington and supports workforce needs, including health care. Public university faculty and some others opposed the bill, arguing state funds should prioritize public institutions and that public higher education has also faced cuts. The committee heard extensive testimony but took no action on the bill in the hearing. House Bill 2498 would change nursing education standards by limiting the Board of Nursing’s authority where programs are nationally accredited, requiring technical assistance for low NCLEX pass rates, and expediting approval for certain programs. The sponsor said the bill was intended to reduce barriers, address perceived overreach by the board, and improve diversity and workforce supply in nursing. Community college leaders and some nursing educators supported the bill, saying current rules create unnecessary delays and hinder expansion, especially in rural areas. The Board of Nursing, nursing education groups, hospitals, clinical placement organizations, and other nurses opposed it, arguing state oversight is needed for patient safety, local workforce needs, and consistent standards; several said the board is already revising its rules through the existing WAC process. After the public hearings, the committee went into executive session and passed Substitute House Bill 2363 and Substitute House Bill 2422 out of committee with do-pass recommendations, each after adopting amendments that delayed implementation dates. The vote on 2422 was 9-7, with one excused member.

Transcript Highlights:

• Basically, it's protecting the dollars of an existing HSA, and it's basically a consumer protection bill
• Basically, it's protecting the dollars of an existing HSA, and it's basically a consumer protection bill
• Basically, it's protecting the dollars of an existing HSA, and it's basically a consumer protection bill
• Basically, it's protecting the dollars of an existing HSA, and it's basically a consumer protection bill
• Basically, it's protecting the dollars of an existing HSA, and it's basically a consumer protection bill

Bills: HB300, HB40, SB19, HB283, HB179, HB296, HB300, HB40, SB19, HB283, HB179, HB296

Keywords: HB300, Choctaw County, probate court, probate judge, recording fee, filing fee, deed tax, mortgage tax, deeds, mortgages, property records, recordation, county local act, local legislation, technology upgrades, digitalization of records, recordkeeping, county treasury, special fund, court administration

Transcript Highlights:

• As you've heard, this bill requires the makers of connected consumer devices to tell consumers how long
• For consumers, they don't have awareness around their devices' end of life, and that is a consumer protection
• Consumer Reports believes that consumers, when they buy these products, deserve to know how long they
• If the consumer sees an appliance that's close to end of life, it could lead the consumer to think that
• As this bill defines consumer and connected consumer products, it may also blur the line between household

Bills: S3082, S3090, H5425, H5130, H5114

Keywords: animal telehealth, veterinary telemedicine, veterinary telehealth, veterinarian-client-patient relationship, VCPR, animal health, pet care, companion animal, livestock, remote veterinary care, synchronous audio-video, telemedicine, prescription drugs, antimicrobial drugs, controlled substances, xylazine, compounding pharmacy, veterinary practice, Massachusetts Controlled Substances Act, animal owner

Summary: The Joint Committee on Consumer Protection and Professional Licensure held a hearing on late-filed bills, with testimony heard both in person and remotely. The committee reviewed several measures, including H. 355 and S. 3082 on veterinary telemedicine/telehealth, H. 5445 on additional liquor licenses for East Hampton, and S. 3090/H. 5114 on consumer-connected devices and software support disclosure. The chair outlined hearing logistics, including three-minute testimony limits and written testimony submission, and noted that Lawrence High School students were present to observe. On the veterinary bills, supporters of H. 355 argued that allowing veterinarians to establish a client-patient relationship remotely would improve access to care for pets whose owners face transportation, mobility, or anxiety-related barriers, and could help veterinarians continue practicing through telemedicine. Opponents of S. 3082, including the Massachusetts Veterinary Medical Association and several veterinarians, said the initial in-person exam is essential to detect conditions that cannot be seen on video, avoid misdiagnosis, and preserve the standard of care; they emphasized that teletriage and follow-up telemedicine are already used after an in-person relationship is established. Committee members pressed both sides on the distinction between teletriage and establishing the relationship, the timing of annual exams, and whether limited exceptions for sedatives or other pre-visit needs might be workable. Senator Lovely testified in support, citing a recent Lyme case where follow-up telemedicine would have been useful. On H. 5445, Representative Gomez and East Hampton Mayor Salem Derby urged approval of the bill to authorize eight additional liquor licenses, saying the city has reached its current cap, needs economic development, and wants to support downtown revitalization and new restaurant growth. Members asked about public safety and the number of licenses sought; the mayor said local public safety officials support the request and that the licenses would be for restaurants, not bars. On S. 3090 and H. 5114, consumer advocates and cybersecurity experts supported requiring manufacturers of connected devices to disclose software support timelines, arguing it would improve consumer transparency, cybersecurity, and reduce e-waste. Industry groups opposed the bills, saying fixed disclosure requirements could be impractical, create confusion, burden small businesses, conflict with federal efforts, and be difficult to apply to appliances, lighting, and other products with long lifecycles. The committee did not take a substantive vote on the bills during the hearing; at the end, staff announced a forthcoming poll for House members, and the committee voted to adjourn.

Transcript Highlights:

• As you've heard, this bill requires the makers of connected consumer devices to tell consumers how long
• Consumer Reports believes that consumers, when they buy and purchase these products, deserve to know
• about technology consumers purchase.
• If the consumer sees an appliance that's close to end of life, it could lead the consumer to think that
• As this bill defines consumer and connected consumer products, it may also blur the line between household

Bills: S3082, S3090, H5425, H5130, H5114

Keywords: animal telehealth, veterinary telemedicine, veterinary telehealth, veterinarian-client-patient relationship, VCPR, animal health, pet care, companion animal, livestock, remote veterinary care, synchronous audio-video, telemedicine, prescription drugs, antimicrobial drugs, controlled substances, xylazine, compounding pharmacy, veterinary practice, Massachusetts Controlled Substances Act, animal owner

Transcript Highlights:

• Chair and members, Senate Bill 1689 increases the defined loan amounts for consumer loans and consumer
• revolving loans from $10,000 to $50,000 for consumer loans and from $10,000 to $30,000 for consumer
• , from the statutory consumer lender loan requirements.
• and how effectively consumer protections apply.
• So the need of the consumer is still there.

Bills: SB1165, SB1206, SB1212, SB1291, SB1347, SB1516, SB1554, SB1649, SB1689, SB1812

Keywords: breast cancer, screening services, health insurance, cost sharing, preventive care, storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention

Transcript Highlights:

• Senate Bill 1275 is a consumer protection bill dealing with short-term rentals such as Airbnb and VRBO
• So it's straightforward pricing, consumer protection. With that, I move a due pass.
• They either reduced the cost to the individuals, to the consumer, or at least it mitigated, flatlined
• And every one of those dollars comes directly from the consumer.
• It's going to cost consumers. It's going to do things that I'm bad, that I'm taxing the system.

Bills: SB1673, SB1500, SB1447, SB1646, SB2007, SB1275, SB2074

Keywords: prosthetics, health insurance, medical necessity, patient rights, insurance liability, pharmacy benefits manager, healthcare providers, claims processing, reimbursement, insurance regulation, employees insurance, contract awarding, certifications, state procurement, insurance plan, mental health, substance use disorders, utilization review, benefit coverage, pharmacy

Summary: The Senate Business and Insurance Committee met to consider several bills, with the chair emphasizing pharmacy benefit managers (PBMs) and the impact on local and rural pharmacies. Before taking up the bills, the committee announced that Senate Bills 1620 and 1625 would be laid over. The committee also adopted an amendment to Senate Bill 1673 to exempt certain state-funded flexible benefit plans, and then passed the bill, which creates the Prosthetic Access and Accountability Act of 2026 and requires health plans that already cover prosthetic benefits to administer them without disability-based discrimination. The committee then passed several PBM-related measures. Senate Bill 1500 requires PBMs to reimburse rural pharmacies within 30 calendar days. Senate Bill 1447 adds safeguards to the Oklahoma Employee Insurance Plan by restricting PBM contracts, including disfavoring PBMs involved in recent lawsuits or those affiliated with insurers, retail pharmacy chains, specialty pharmacies, mail-order pharmacies, or drug manufacturers. Senate Bill 1646 strengthens utilization review standards for mental health and substance use disorder treatment, and Senate Bill 2007 prohibits PBMs from reducing reimbursement after a successful appeal and adds administrative fees when they fail to make required adjustments. The committee also passed Senate Bill 1275, which requires upfront disclosure of all fees for short-term rental bookings such as Airbnb and VRBO, with only tax added at checkout. Finally, the committee passed Senate Bill 2074 after extensive debate; it would require fairer and more transparent PBM reimbursement using a Medicaid-based methodology and a professional dispensing fee, with supporters arguing it would help independent and community pharmacies and opponents raising concerns about consumer costs and legal issues. All bills considered in the meeting were reported out with favorable votes, and the meeting adjourned after the chair noted one more meeting would be held the following week.

Transcript Highlights:

• I'm calling to order this meeting of the Consumer Protection and Business Committee of Wednesday, February
• And last on your agenda is item 8, In Gross Senate Bill 5280, protecting consumers of virtual currency
• And last on your agenda is item 8 in Gross Senate Bill 5,280, protecting consumers of virtual currency
• It would require a disclosure, another disclosure, before the consumer initiates the transaction, that
• Still support this good consumer protection and good for the industry. So please vote yes.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• That's our consumers. They need relief in this as soon as possible.
• on behalf of the consumer, largely because the regulations were violated.
• I'm an assistant attorney general in the consumer protection division.
• The average age of the consumers there was 71.
• ATMs in a similar way will only help consumers.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• There's a Genetic Non-Discrimination Act at the federal level, and that prevents health insurers and employers
• Second, this bill protects consumers from unfair discrimination.

Bills: H5112, S2921, H4914

Keywords: genetic discrimination, genetic testing, genetic information, DNA, hereditary risk, insurance underwriting, life insurance, health insurance, long-term care insurance, disability insurance, medical privacy, consumer protection, anti-discrimination, insurer regulation, Commissioner of Insurance, chapter 176D, underwriting, hereditary disease, genomics, travel insurance

Transcript Highlights:

• Calling to order this meeting of the Consumer Protection and Business Committee on Wednesday, February
• Senator Dozier, welcome to the Consumer Protection and Business Committee.
• and also put contractors on notice that they have to do right by the consumers.
• Under the Consumer Protection Act, consumers are entitled to fair dealing and full disclosure.
• Under the Consumer Protection Act, consumers are entitled to fair dealing and full disclosure.

Bills: SB5831, SB6178

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Transcript Highlights:

• We think it's a consumer-friendly request and a bill, and it really will help people in a, let's be honest

Bills: HB2305, HB2601, HB2604

Keywords: vehicle registration, travel vans, motor homes, transportation regulation, HB2601, motorcycle weight fee, motorcycle registration, vehicle licensing, Department of Licensing, weight-based fee, motor home fee, RV registration, scale weight, vehicle weight, RCW, Washington state, registration fees, license fees, vehicle fee schedule, fee distribution

Summary: The committee held public hearings on three transportation-related bills. House Bill 2305 would exclude travel vans from Sound Transit’s motor vehicle excise tax by distinguishing them from motor homes; staff said the Department of Revenue saw no fiscal impact, while the Department of Licensing estimated a one-time $129,000 system update cost and an indeterminate revenue impact. The sponsor and one testifier argued the bill would correct a classification issue and reduce costs for owners of smaller camper-style vans, especially in the Sound Transit area. House Bill 2601 would create a new motorcycle weight-fee category with a $15 fee instead of the current $35 fee applied under the lowest vehicle weight bracket. Staff estimated about 190,000 annual transactions and roughly $3.8 million per year in lost revenue to multimodal transportation accounts, plus about $20,000 in Department of Licensing programming costs. The sponsor and a motorcycle rights advocate said the bill was a matter of fairness because motorcycles do not weigh anywhere near 4,000 pounds and the lower fee would better match actual road use. House Bill 2604 would remove notarization requirements for documents transferring ownership of totaled vehicles to insurers and for limited powers of attorney used for that purpose, allowing electronic or printed signatures. Staff reported no fiscal impact from the Office of the Insurance Commissioner or the Department of Licensing. The sponsor and three testifiers from Copart said the change would streamline title transfers, reduce delays and travel burdens for consumers, and help people—especially those in rural areas or without easy transportation—get paid faster after a total loss. The public hearings on all three bills were closed, and the committee adjourned to caucuses.

Bills: HB230

Keywords: real estate, brokerage, broker, salesperson, licensee, consumer disclosure, agency disclosure, RECAD, Real Estate Consumers Agency and Disclosure Act, Alabama Real Estate Commission, buyer agreement, listing agreement, transaction broker, single agent, dual agency, compensation disclosure, commission, referral agreement, referral fee, written agreement

Transcript Highlights:

• consumers.
• :09:41.240><c> consumers.
• </c> protecting Hawaii's consumers. protecting Hawaii's consumers.
• </c> interests with the consumer interests. interests with the consumer interests.
• c> targeted, consumer-focused improvements targeted, consumer-focused improvements to<00:31:57.040><c

Bills: HB1511, HB1535, HB1642, HB1753, HB1810, HB2282, HB2614

Keywords: consumer protection, unsolicited mail, unsolicited email, junk mail, spam email, deceptive marketing, misleading solicitation, high-pressure sales, vehicle warranty, auto warranty, service contract, home warranty, license renewal, registration renewal, government impersonation, affiliation disclosure, direct mail, email marketing, consumer fraud, refund

Summary: The committee heard several consumer-protection and insurance measures. HB 1511 HD2 would prohibit unsolicited mail or email using high-pressure tactics or falsely implying affiliation with another entity; it drew support from the Office of Consumer Protection, the DCCA Insurance Division, and the Service Contract Industry Council, with some written support and at least one opposition. HB 1535 HD2, concerning automated external defibrillators and a tax-related provision for devices installed in certain public accommodations, received comments from DOTAX and the Tax Foundation, with additional support from the Department of Health and other groups. HB 1642 HD1 would ban ownership or operation of digital financial asset transaction kiosks that accept U.S. currency; it was strongly supported by OCP, the Attorney General, and AARP, while kiosk operators and industry representatives opposed the ban and urged a regulatory approach instead, including licensing, transaction limits, refunds, and other safeguards. Members questioned whether federal action could preempt the bill and whether a licensure regime could be funded through a surcharge, but no action was taken during the discussion. The committee also took up HB 1753 on social media account deletion and permanent erasure of personal information, with OCP standing on its initial comments and TechNet and Will Caron in support. HB 1810 HD2 would impose prompt payment and financial reporting requirements on professional solicitors selling donated tangible property on behalf of charities; Goodwill Hawaii testified in strong support, emphasizing donor trust and transparency, and several nonprofit and business groups submitted supportive testimony. HB 2282 HD1, which would require explanations for premium increases and clarify insurance licensing and cancellation/non-renewal procedures, was supported by the Insurance Division and OCP; a vice chair asked for complaint data related to condo associations, and a member noted that the same agencies had previously opposed similar Senate bills. Finally, HB 2614 HD1 would require cosmetics merchants to accept returns of new or unopened goods within specified time frames and improve signage requirements; OCP said the bill addressed longstanding complaints about high-pressure sales tactics and no-return policies, citing over 180 complaints and survey results showing most complainants did not understand the policy and felt misled.

Transcript Highlights:

• But if the consumer wants to get its credit rechecked, what activity should the consumer be doing to
• We are strong consumer advocates.
• Some body shops have what are called direct repair programs.
• And the bill will raise power prices on all consumers.
• Yeah, could you direct me to that?

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• I'm a direct recipient of the funding that this program provides, and so are my 26 students, on top of
• It's a model incentivized to misrepresent to consumers what they're receiving when in reality they're
• I have been signed, I am my previous employees or employers.
• Chair, would you like me to go through you or answer direct? Okay, thank you so much.
• Davis just said, for the ...rates have gone up for consumers, unfortunately. As Mr.

Bills: AB568, SB90, SB133, SB147, SB229, SB233, SB240, SB245, SB280, SB378, SB393, SB417, SB434, SB494, SB495

Keywords: higher education, Nevada System of Higher Education, operational expenses, instructional expenses, public funding, education funding, teacher grants, classroom supplies, instructional support, specialized personnel, civics education, Nevada Center for Civic Engagement, funding, youth programs, civic involvement, Southern Nevada, Clark County, Las Vegas Valley, regional planning, economic resiliency

Bills: SB2981, SB2982, SB2983, SB2986, SB2991, SB3001, SB3010, SB3014, SB3032, SB3033

Keywords: foreign influence, campaign finance, contributions, state elections, transparency, election integrity, criminal offense, natural resources, tree protection, state property, environment, land use, boundary amendment, administrative fines, Land Use Commission, infrastructure compliance, highway safety, driver's license, administrative revocation, alcohol-related offenses

Summary: The Judiciary Committee met in decision-making only session and considered several Senate bills, generally following recommendations to pass measures with or without amendments. SB 2981 would prohibit minimum off-street parking requirements for new development in urban districts and was adopted unamended, with Senator Awa voting no. SB 2982, which bars foreign entities and foreign-influence business entities from making election-related contributions or expenditures, was adopted with an amendment adopting Attorney General language for required advertisement statements. The committee also advanced SB 2983, creating a misdemeanor offense for criminal destruction of a tree on state or county property; one member opposed it, suggesting a replanting requirement would be a better environmental remedy, but the bill was still adopted unamended. SB 2986, concerning Land Use Commission authority to amend or revise district boundary amendment decisions when conditions are not met, passed with an amendment addressing a defective effective date. SB 2991, on driver’s license revocations for certain alcohol-related offenses and re-examination requirements, passed with amendments clarifying revocation orders and re-examination procedures. Members then approved SB 3001, which regulates conversational artificial intelligence services by requiring disclosures and protocols to prevent suicidal ideation, with amendments incorporating AG and OCP recommendations, including a personal data definition and broader data minimization language. SB 3010, allowing officials and in some cases private citizens to enter unattended vehicles to protect endangered pet animals, passed with amendments. The committee also adopted SB 3014 on higher fines for taking or harassing protected turtles, SB 3032 clarifying beach and marine deposit prohibitions, and SB 3033 allowing petitions to review beach structure integrity despite a bad effective date; Senator Awa again voted no on SB 3033. The meeting adjourned after the committee noted a later joint hearing with Ways and Means.

Transcript Highlights:

• </c><00:11:40.560><c> Any</c> employers. Thank you. Thank you. Any employers. Thank you. Thank you.
• </c> appropriations for public employment appropriations for public employment cost<00:11:51.839><c>
• :41.280><c> exclusive</c> allows public employers and exclusive allows public employers and exclusive
• </c><00:28:52.080><c> Union</c> relating to the Hawaii Employer Union relating to the Hawaii Employer
• </c> contributions to the Hawaii Employer contributions to the Hawaii Employer Union<00:29:01.679><c>

Bills: SB2119, SB3131, SB3069, SB3180, SB2137, SB2993, SB2778, SB2672, SB2014, SB2967

Keywords: reimbursement, public employees, travel costs, government travel policy, finance management, job title, administrative assistant, executive assistant, state personnel, civil service, modernization, employment standards, DAGS, Department of Accounting and General Services, comptroller, civil service exemption, collective bargaining exemption, public works special project branch, specialized public works, information technology modernization

Transcript Highlights:

• That allows individual consumers to sue and seek statutory damages.
• I don't think 'direct message' might be a more appropriate phrase.
• This bill effectively places public employers in an untenable situation.
• It doesn't really direct the employer on how to not violate, as we would say, the employee's rights on
• direction on how to take it.

Bills: SB20, SB53, SB86, SB96, SB129

Keywords: prior authorization, pharmacy benefits manager, PBM, health insurer, prescription drugs, step therapy, formulary, auto-adjudication, electronic portal, appeals, medical necessity, serious mental illness, mental health, schizophrenia, bipolar disorder, major depression, substance use disorder, addiction treatment, cancer, autoimmune disorder

Transcript Highlights:

• I would like to officially begin this hearing of the Joint Committee on Consumer Protection and Professional
• impacts of electronic textbooks, evaluating the impacts of limited consumer choice...
• It's a win for the municipalities, it's a win for consumers, and a win for the industry.
• I would add, though, that this bill is anti-consumer.
• I would add, though, that this bill is anti-consumer.

Bills: S2636, S2628, S2913, H4907, H4877, H4661, H4662, H4597, H4719, H4019, H559, H4588

Keywords: cosmetology, cosmetologist, beauty industry, hairdresser, esthetician, salon, licensure compact, interstate compact, multistate license, license reciprocity, professional licensure, occupational licensing, workforce mobility, license portability, military spouse, military family, background check, disciplinary action, scope of practice, consumer protection