Transcript Highlights:

• Our consumer protection division.
• to $10 million on behalf of consumers to $10 million on behalf of consumers across<00:04:59.600>
• consumer protection purposes. consumer protection purposes.
• while better serving Kentucky consumers. while better serving Kentucky consumers.
• exceptional service. That's not true. exceptional service. That's not true.

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:15 Department of Insurance Update 00:01:39 Department of Financial Institutions Update 00:37:07 Insurance Industry Update 00:54:50 Credit Union Industry Update 01:10:53, 958, all

Summary: The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them. Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase. Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.

Transcript Highlights:

• Well, what this really was was basically a consumer fraud center.
• We know consumer.
• One, we have a consumer awareness campaign called Banks Never Ask That.
• Services.
• I'm the Director of Consumer Services.

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

Transcript Highlights:

• The LifeSmarts program, run by the National Consumers League, is sponsored in Hawaii by the Department
• environment, technology, and consumer environment, technology, and consumer rights<00:02:35.120>
• <00:03:27.200> Education LifeSmarts Consumer Education LifeSmarts Consumer Education Competition
• <00:04:33.919> Joining Consumer Education Competition.
• Joining Consumer Education Competition.

Keywords: 912, senate, all

Summary: The Senate convened, took roll, approved the previous day’s journal, and spent much of the first portion of the meeting recognizing Education Week honorees. Senators introduced students and coaches from the LifeSmarts Consumer Education Competition, including first-place Iolani School, second-place Kahalani High School, and Oahu teams placing third and fourth. The Senate also recognized 2025 Senate Youth Delegate Wilson Chow and thanked staff and community partners for supporting Education Week 2025. The chamber then moved to executive business, adopting standing committee reports 1210 through 1349 and confirming Governor’s Message No. 644, Steven Logan, as Adjutant General of the Department of Defense by unanimous consent. Senators spoke in support of Logan’s military and public safety experience, and he was confirmed with 23 ayes. The Senate also confirmed Governor’s Message No. 645, Mike Lambert, as Director of the Department of Law Enforcement, with senators citing his HPD background, work on homelessness, vice, agricultural crimes, and school enforcement; the confirmation passed with 22 ayes. After the confirmations, the Senate recognized the newly appointed officials and their families and guests. The body then passed House Bill 991, Senate Draft 1, relating to criminal history record checks, on third reading by unanimous consent with 22 ayes. The session concluded with announcements, including a YWCA clothing drive, a personal letter from Representative Gene Ward announcing his resignation from the House effective at the end of the month due to health issues, and a motion to adjourn until Monday, March 24th at 11:30 a.m., which was adopted without objection.

Transcript Highlights:

• A lot of our consumers do not go to liquor stores. I myself am three years sober.
• And it is quite literally my job as a small business to protect consumers.
• And it is quite literally my job as a small business to protect consumers.
• So, as a consumer, a lifelong consumer, I went to the medical marijuana program.
• That's how I feel as a consumer. Over-regulating, you guys are wasting money.

Summary: The Committee on Agriculture heard a presentation from Florida FFA state officers Gabby Howell and Macy Jordan, who described FFA and agricultural education as a three-part model of classroom instruction, supervised agricultural experience, and leadership development. They highlighted FFA membership growth, Florida’s more than 60,000 members, industry certifications, and state funding that allows all agriculture education students to participate at no cost. Members praised the students and the organization’s role in developing future agricultural leaders. The committee then took up SB 438, which would regulate hemp and hemp extract products, including THC-infused beverages, by adding testing, labeling, retail location, age, and event restrictions, along with penalties and $2 million for testing equipment. Senator Burton said the bill is intended to address public safety, prevent products with illegal THC levels from reaching consumers, and respond to the governor’s prior veto concerns, especially store location and regulation. An amendment clarifying final batch testing was adopted without objection. Testimony was mixed. Supporters, including beverage distributors, law enforcement, and some hemp beverage businesses, backed regulation and said the bill would improve safety and clarity, though some asked for changes to avoid treating specialty beverage retailers like liquor stores. Opponents and some hemp industry representatives argued the bill was too restrictive, would hurt small businesses, and could push products into the black market; they also objected to THC limits, event restrictions, and the proposed regulatory structure. After debate, the committee voted 6-0 to report CS for SB 438 favorably.

Transcript Highlights:

• commitment to service. And I yield, Mr. commitment to service. And I yield, Mr.
• services? So uh with that, uh Mr. services? So uh with that, uh Mr.
• the best form of consumer protection. the best form of consumer protection.
• Consumer protection. You allow what? Consumer protection.
• a necessary medical service. a necessary medical service.

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, May 20, 2025, 1012, house, all

Transcript Highlights:

• One of the terms that I use is a self-service station.
• is an explicit request by the customer for single-use service.
• This has to do with consumer protections regarding third party suppliers.
• This has to do with consumer protections regarding third party suppliers.
• in consumer protection.

Summary: The committee met in hybrid format on June 18, 2026, but initially lacked a quorum, so minutes were not approved until later in the meeting after additional members joined. The committee heard a series of bills, with most receiving supportive testimony from sponsors, agency officials, advocacy groups, and frequent public commenter Robert Overmiller. Several measures focused on transportation and public safety, including HB 363 on residential speed limits, HB 384 extending DelDOT open-end contracts from three to five years, HB 413 allowing green flashing lights on road work and emergency vehicles, HB 456 streamlining subaqueous lands permitting, and HB 388 letting drivers with temporary medical suspensions keep their license for ID purposes while being flagged in the system as not allowed to drive. Members asked questions mainly about implementation, enforcement, and scope, and sponsors or agency witnesses explained that the bills were intended to improve safety, efficiency, and administrative clarity. The committee also took up HB 111, which would require single-use food service items such as utensils, straws, napkins, and condiments to be provided only upon request, with exemptions for schools, nonprofits, health care facilities, correctional facilities, and similar settings. Supporters, including Plastic Free Delaware and the Sierra Club, said the bill would reduce waste and save businesses money, while opponents from the restaurant industry argued it could confuse customers, hurt tourism, and be difficult to enforce. Sponsors emphasized that restaurants could still ask customers if they wanted items and that the bill included a phase-in period and capped penalties. The committee also heard HB 393, a consumer protection bill for third-party electric suppliers that tightens oversight, training, reporting, renewal notices, and rate limits after concerns about misleading sales and unexpectedly high bills; it drew support from environmental advocates and members who had seen constituent complaints. Finally, the committee heard HB 412 on hunting and trapping education and wildlife drug administration, which was described as a safety and modernization measure and supported by the Division of Fish and Wildlife and sportsmen’s groups, and SB 346, which would speed up Environmental Appeals Board hearings and decisions. SB 346 drew broad support from DNREC, the Nature Conservancy, the Sierra Club, and business groups, though one witness asked to clarify that Superior Court appeal rights would remain intact; DNREC confirmed they would. The committee also approved the June 10, 2026 minutes after quorum was established, and the meeting ended with a motion to adjourn and unanimous approval.

Transcript Highlights:

• TO THE SIDEWALK AND CONSUMING THAT PRODUCT IN PUBLIC?
• Is it illegal to consume or to smoke it while you’re driving?
• People have been consuming cannabis for years.
• We dedicate public service, we dedicated public service, should choose to leave the decision carries
• WE DEDICATE PUBLIC SERVICE, WE DEDICATED PUBLIC SERVICE, SHOULD CHOOSE TO LEAVE THE DECISION CARRYS INFORMATION

Keywords: 993, senate, all

Summary: The Senate first handled routine business, approving the prior journal and taking up several messages and motions. A Rules Committee report was accepted on Senate Print 915, a Cannabis Law bill, and the chamber then moved to debate that measure on the controversial calendar. The bill was described by supporters as clarifying how distances are measured for adult-use cannabis dispensaries near schools and houses of worship, with the sponsor saying it would create statewide consistency and provide clearer direction to the Office of Cannabis Management. Opponents argued it would weaken protections for children and churches, reward agency mistakes, and allow dispensaries to be sited closer to school property than intended. After extended debate, the Senate passed the bill 36-23. The cannabis debate centered on whether the bill merely clarifies legislative intent or substantively changes the law. Supporters said the current language left measurement methods undefined and that the bill would help legal dispensaries, reduce confusion, and push back illicit stores. Opponents said the original law already protected school grounds and houses of worship, and that the new language would allow dispensaries to abut school playgrounds, fields, or church-related property in some cases. Several senators also raised concerns about youth exposure, public consumption, local zoning, and the performance of the Office of Cannabis Management. After the vote, the Senate returned to the calendar and passed additional measures, including Calendar 121 (Public Authorities Law), Calendar 170 (Public Health Law), and Calendar 190 (Labor Law), each by comfortable margins. The chamber also adopted a resolution package honoring Burnt Hills-Ballston Lake High School’s boys cross country team and girls field hockey team for state championships, with Senator Tedisco introducing the guests. Later, the Senate passed Senate Print 6990A, the Civil Voice Law, which requires state agencies to conduct exit interviews for employees who resign or retire. Supporters said the bill would improve accountability, morale, and retention by standardizing a way to hear from departing workers. The bill received affirmative explanations of vote from Senator Jackson and others, and the Senate continued through the calendar after its passage.

Transcript Highlights:

• Kevin Doyle, Consumer Energy Alliance of Florida, waives in support.
• To help attract more airlines and to make the consumer experience better.
• But I just think the consumers have to understand what the risks are.
• But I just think the consumers have to understand, you know, what the risks are.
• But what we are saying is that the taxpayer, every consumer, Well, that's up to them.

Summary: The Ways and Means Committee met on April 2, 2025, with a quorum present and took up four bills. The committee first heard HB 4041, which would create the Corkscrew Grove Stewardship District in Collier County to finance and maintain infrastructure such as transportation, utilities, and stormwater systems without changing county regulatory authority. The bill drew no opposition, was reported favorably, and passed 14-0. The committee then considered HB 1485, which repeals Florida’s aviation fuel tax provisions. The sponsor argued the change would simplify the tax code, attract airline investment, and support lower fares and more routes. Members raised concerns about the estimated recurring $22.8 million impact on the State Transportation Trust Fund and $2 million on general revenue, and airport representatives warned of reduced grant and development funding, especially for general aviation and municipal airports. Supporters said the change would increase competition and fuel sales in Florida. The bill was reported favorably on a 12-5 vote. Next, the committee heard HB 999, which would recognize gold and silver as legal tender, allow electronic debit access to bullion accounts, and remove tax burdens on transactions involving precious metals. The sponsor and supporters described the bill as a way to protect purchasing power and provide an alternative parallel to the dollar, while opponents and some members raised concerns about consumer protections, predatory practices, privacy, and the role of the Office of Financial Regulation in rulemaking. After extensive testimony, the bill was reported favorably 19-0. Finally, the committee considered PCB WMC 25-01, which would reduce the state sales tax rate from 6% to 5.25% and also lower several related taxes, including the business rent tax, nonresidential electricity tax, mobile home sales tax, and coin-operated amusement machine tax. The proposal was estimated to reduce revenue by about $5.5 billion annually. Members discussed impacts on the budget, education funding, and whether savings would reach consumers, while supporters emphasized relief for Floridians and business competitiveness. The bill passed unanimously 19-0 and was reported favorably. The chair then noted a prior procedural apology on the record, and the meeting adjourned.

Transcript Highlights:

• From his teenage years, Kevin devoted his life to public service.
• I rise today as chairman of the Fire Service Caucus.
• I rise today as chairman of the Fire Service Caucus.
• I rise today as chairman of the Fire Service Caucus.
• FROM THE NATIONAL PARK SERVICE TO THE UNITED STATES FOREST SERVICE, TO THE BUREAU OF LAND Often surrounded

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

Transcript Highlights:

• <00:13:01.279> charge not subject to the service charge not subject to the service charge
• <00:15:00.800> price um that amount uh to the consumer price um that amount uh to the consumer
• commerce and consumer protection policy. commerce and consumer protection policy.
• consumer products. consumer products.
• people access emergency phone services people access emergency phone services in<00:28:45.679>

Keywords: 1187, senate, all

Transcript Highlights:

• Service quality.
• For broadband services.
• So then, then those consumers may not be able to purchase the service.
• low Earth orbit satellite service to consumers.
• For consumer service, the innovation there was driving the cost down and the simplicity of the install

Transcript Highlights:

• I just set the page to get computer services. I don't know. Services.
• We believe consumer protection goes hand in hand with consumer education.
• The second prong is consumer education.
• Overall, the board received 599 consumer complaints.
• Overall, the board received 599 consumer complaints.

Keywords: 1182, all

Summary: The House Commerce Committee of Reference heard sunset reviews and a performance audit presentation for the Arizona Department of Gaming, the Racing Commission, the Boxing and MMA Commission, and later the Arizona Barbering and Cosmetology Board. The Auditor General reported that the Department of Gaming and the commissions generally met some statutory duties, but identified several problems: the department did not consistently obtain and review independent audits for event wagering and fantasy sports operators; the department and commissions had gaps in conflict-of-interest disclosures; the department and Boxing and MMA Commission lacked comprehensive complaint-handling processes; the department was late distributing some compact trust fund payments; and there were additional issues involving IT security, horse-racing license checks, fee reviews, public records practices, and licensing compliance. The Auditor General said the department agreed to implement all 36 recommendations, the Racing Commission agreed to six recommendations, and the Boxing and MMA Commission agreed to 13 recommendations. The department director said many fixes were already underway, including updated guidance, complaint tracking improvements, and a historical look-back on operator reporting, and she also discussed efforts to combat illegal gambling and educate minors and families about gambling risks. Committee members questioned the department about third-party audits, penalties for underpayments, public records handling, conflict-of-interest screening, and the department’s position on prediction markets and suitability standards for licensees. The director said the department would review past reports, could assess fines if violations were found, and would generally wait for final adjudication or final action in other jurisdictions before taking Arizona licensing action. After discussion, the committee voted to recommend the Department of Gaming be continued for two years until July 1, 2028, the Racing Commission for six years until July 1, 2032, and the Boxing and MMA Commission for six years until July 1, 2032. The Department of Gaming motion passed 7-4, the Racing Commission motion passed 10-1, and the Boxing and MMA Commission motion passed unanimously. The committee then heard the Auditor General’s report on the Arizona Barbering and Cosmetology Board. The audit found the board timely processed many licenses and complaints and had adopted curriculum rules, but it inconsistently applied its disciplinary guidelines, sometimes issuing different sanctions for similar violations without documenting the reasons for deviation. The report also found problems with reciprocity education requirements, application review controls, inspections, and compliance with open meeting, public records, and conflict-of-interest requirements, and it suggested possible statutory changes on aesthetics scope of practice, cease-and-desist authority, and training standards for I-LEST technicians. The board agreed with the findings and said it had already updated disciplinary parameters and documentation policies, with more recommendations in progress; committee members asked about discretion in discipline, audit funding, and service efficiency, and the board highlighted its licensing volume, call response, inspections, and complaint handling performance.

Transcript Highlights:

• to the real price that consumers pay.
• Robert Harrell with the Consumer Federation of California.
• We don't get to make up new charges on consumers.
• But there's a psychology to the consumer experience, and the more clicks that a consumer makes as they're
• The consumer experience and the more clicks that a consumer makes as they're going through the process

Summary: The Assembly Privacy and Consumer Protection Committee heard several bills on AI, social media, rental cars, and account deletion. AB 316 by Assemblymember Krell would bar defendants from avoiding liability by claiming an AI system autonomously caused harm. Supporters argued it would preserve accountability as AI grows more powerful, especially in cases involving children, while opponents said existing tort law already covers these issues and warned the bill could create uncertainty and overbroad liability. The bill passed the committee 8-1. AB 656 by Assemblymember Schiavo, sponsored by Consumer Federation of California, would make it easier for users to delete social media accounts and personal information, with amendments shifting the deletion prompt into settings rather than on every screen. Supporters said platforms use dark patterns and make deletion unnecessarily difficult; opponents raised concerns about unintended deletions and possible conflicts with existing privacy law, though the author said the bill was being aligned with CCPA. The bill passed 9-0. The committee also approved the consent calendar. AB 1197 by Assemblymember Calderon would address rental car theft and misuse by allowing limited geofencing in specific situations and revising rules around renter liability when keys are returned and a police report is filed. Rental car companies and other supporters said the bill would help recover stolen or abandoned vehicles, while an opponent warned about privacy and possible consumer harms in edge cases. The bill passed 11-0. AB 1374 by Assemblymember Berman would require more upfront disclosure of the total price of rental cars, including mandatory fees, to curb hidden charges; supporters said consumers still face surprise costs, while opponents argued current law already requires disclosure and that the bill’s new wording could invite litigation. It passed 13-0.

Transcript Highlights:

• Good morning, and welcome to this Hawaii State Senate Committee on Commerce and Consumer Protection,
• This is our Hawaii State Senate Committee on Commerce and Consumer Protection, Tuesday, February 25,
• We will adopt the proposed amendments from the Department of Human Services and the proposed amendments
• Commerce and consumer protection Tuesday February<00:02:14.080> 25th<00:02:14.879> 2025
• amendments of the Office of Consumer amendments of the Office of Consumer Protection<00:04:17.320

Keywords: 912, senate, all

Summary: The Senate Committee on Commerce and Consumer Protection held decision-making and hearing sessions on February 25, 2025, on several measures. In decision-making, the committee passed with amendments SP 588 SD1, SP 1245 SD1 (pharmacists), SB 1287 (transparency), and SP 1298 SD1 (recycling), generally adopting agency-requested or technical amendments and in several cases pushing the effective date far into the future to keep the bills moving. The committee deferred SP 1149 SD1 and SP 281 SD1 for one day, and indefinitely deferred SP 1286 SD1 on motor vehicles after noting no supportive or opposing testimony and that the Office of Consumer Protection wanted to work further with the introducer. In the later hearing on consumer-protection-related measures, the committee heard testimony on SB 419 (insurance), SB 942 (rental applications), and SB 1142 (insurance proceeds). SB 419 would require auto insurance to cover replacement of a damaged child passenger restraint system; the Attorney General’s office suggested language to avoid contract impairment, and the measure was advanced with amendments. SB 942 would bar landlords from rejecting applicants solely for lack of a recent paycheck if they can show sufficient liquid assets or unearned income; testimony was largely supportive, with Realtors asking for clarifying amendments to protect their fiduciary duties, while a witness opposed those changes as an unnecessary burden on retirees and elders. SB 1142 would impose requirements on mortgage services for disbursing insurance proceeds after damage to residential property; DCCA and the Council for Native Hawaiian Advancement supported it, and the committee advanced it with technical amendments and a defective effective date. Across the actions, the committee repeatedly voted to pass measures with amendments, with the chair voting aye and, on SB 942, the vice chair voting with reservations over the Realtors’ amendments. No measures were rejected in the portions provided, and the committee adjourned after adopting the recommendations.

Transcript Highlights:

• So, while I appreciate the fact that it seems to be consumer-friendly, it is not consumer-friendly because
• <00:47:03.800> protection explain that as a consumer protection explain that as a consumer
• , it is not seems to be consumer-friendly, it is not consumer-friendly<00:48:52.000> because<00
• :48:52.360> we're consumer-friendly because we're consumer-friendly because we're regulated<00
• <00:51:28.000> protection<00:51:29.120> act consumer protection act consumer protection

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:11 Discussion HB 527 00:02:29 Vote HB 527 00:08:02 Discussion HB 627 00:09:09 Vote HB 627 00:24:29 Discussion HB 355 00:25:59 Vote HB 355 00:34:28 Discussion HB 568 00:35:18 Vote HB 568 01:12:10, 958, all

Summary: The committee first took up House Bill 527, a cleanup bill related to insurance matters and the Strengthen Kentucky Homes program. The committee substitute removed language that would have repealed the workers’ compensation deductible range, added a one-time grant/reimbursement provision for contractor fortified-roofing certifications, and added an emergency clause. The Department of Insurance said the bill also updates licensing language, addresses issues with unlicensed pharmacy benefit managers, and supports contractor training tied to the roof grant program. The commissioner noted the program is set to go live March 1 and asked members to inform constituents about possible roof grants of up to $10,000. House Bill 527 received a favorable report after the committee adopted the substitute and title amendment by voice vote and then approved the bill on a roll call vote. The committee then heard House Bill 627, a PIP reform bill. The sponsor and State Farm’s legislative agent said the substitute clarified language so the Attorney General can prosecute insurance fraud and reflected negotiations with hospitals, the Kentucky Hospital Association, the Kentucky Justice Association, chiropractors, and physical therapists. The bill would apply the workers’ comp fee schedule to most PIP claims, require bills within 180 days, prohibit balance billing and credit impairment, raise funeral benefits to $5,000 and weekly wage benefits to $500, require an annual fraud report, and give the Attorney General concurrent jurisdiction over insurance fraud cases. A physician testifying in opposition argued the bill would cut reimbursement for non-hospital providers, shift costs to hospitals and other payers, reduce access to care, and create an uneven playing field that favors hospitals. Committee members asked about the lack of a PIP fee schedule and the effect of the workers’ comp schedule relative to Medicare and commercial insurance. After debate, the committee adopted the substitute and then passed House Bill 627 with favorable expression on a roll call vote, with one member voting no. The committee also considered House Bill 355 on real estate appraisers. The sponsor said the bill would restore an independent board, allow evaluations under federal guidelines, and move Kentucky from a voluntary to a mandatory appraisal state. Testimony from insurance and appraisal representatives said the bill would require licensure for real property damage appraisers, exempt insurance agents and claims adjusters licensed under the insurance code, and create clearer standards and oversight. Members asked about the cost of an executive director and whether the board could sustain itself through fees; the sponsor said the board had historically been self-sustaining. The committee adopted the substitute and then gave House Bill 355 a favorable report by roll call vote. Finally, the committee began House Bill 568, which would prohibit new public adjuster licenses while allowing current licensees to renew. The sponsor said the bill responds to ongoing complaints and investigations in the industry and noted that most licensed public adjusters in Kentucky are not residents of the state. The transcript cuts off as the bill’s presentation was beginning.

Transcript Highlights:

• And I think, you know, there's a lot of customer service that we need to focus on.
• My parents... dedicated their lives to public service.
• So, the Office of OPUC doesn't represent individual consumers. We represent consumers as a class.
• Them as an agency, but you as an individual consumer can also intervene in the case.
• The dollars that consumers had to pay if the rate was not approved. Yes, that's correct.

Keywords: 1185, senate, all

Transcript Highlights:

• Second, Tony Signorelli, my Deputy Commissioner of Consumer Services and Market Conduct Branch.
• Second, Tony Signorelli, my Deputy Commissioner of Consumer Services and Market Conduct Branch.
• Tony Signorelli, Deputy Commissioner, Consumer Services, Market Conduct.
• Are they following consumer protection laws?
• And so that's the consumer protection side.

Keywords: 987, senate, all

Summary: The committee first heard SB 1209, which would give the Insurance Commissioner new authority to require insurers to carry out corrective actions identified in market conduct and financial examinations, and to impose penalties when companies fail to comply. Supporters, including Commissioner Ricardo Lara and his deputies, said the bill would close an enforcement gap that lets harmful practices continue and would help ensure insurers provide requested financial records and fix violations. Industry opponents argued the bill expands CDI authority too far, could duplicate existing penalties, and should be limited to legal violations rather than recommendations; members and the author discussed amendments to narrow the bill to legal violations, apply penalties per exam rather than per policy, and clarify other language. The committee then voted the bill out on a due pass motion to Appropriations, with some no votes and the item placed on call. The committee next took up SB 1301, which would require more detailed and earlier notice before a homeowner, condo owner, or renter policy is non-renewed, give policyholders an opportunity to fix correctable property issues, and prohibit certain non-renewal reasons such as claims below deductible or claims not covered by the policy. The author and supporters, including a consumer who described spending thousands on roof repairs before being dropped anyway, said the bill would improve transparency and give families a real chance to keep coverage. Opponents said California already has long notice periods, that the bill could force insurers to make decisions too early, and that some underwriting factors are not property-specific; they also raised concerns about roof-age standards and reporting burdens. The author indicated willingness to reduce the notice period to three months and work on a bifurcated process for mitigation, and the committee passed the bill on a due pass motion to Appropriations, with the item placed on call. The committee then heard SB 1026, a bill to reform regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without waiting for a criminal conviction, tightening conduct rules, and requiring continuous liability coverage and proper notice of appointment. The author and Commissioner Lara said the measure responds to complaints about bounty hunters breaking into the wrong homes, impersonating law enforcement, and operating without adequate oversight. Opponents from the bail industry and related groups said the bill is not workable as written, especially provisions requiring insurance for willful acts, use of admitted carriers, and a residency requirement they said is unconstitutional; they also warned it could reduce the availability of recovery agents and delay justice for crime victims. The department said it was still working on language changes, and the committee passed the bill to Appropriations on a due pass motion, with the item placed on call. Finally, the committee began hearing SB 982, which would authorize the Attorney General to seek recovery from fossil fuel companies for climate-related costs affecting the FAIR Plan and private policyholders, with the author framing it as a way to shift some wildfire and flood costs from Californians to the industry that helped drive climate change. Supporters, including flood and wildfire survivors, climate advocates, and an economist, said Californians are bearing rising insurance and disaster costs and that the bill would help fund recovery and resilience. Opponents argued the bill imposes unfair strict liability, raises due process and preemption concerns, and could harm the broader business climate and energy sector. The transcript cuts off before the committee completed action on SB 982.

Transcript Highlights:

• or service, the conditioning of the sale of a good or service upon the consumer agreeing to mandatory
• > agreeing<01:32:34.640> to or service upon the consumer agreeing to or service upon the consumer
• , which simply says you cannot condition the sale of a consumer good or service on the consumer signing
• <01:37:07.760> good<01:37:08.040> or<01:37:08.200> service, consumer good or service
• , consumer good or service, um,<01:37:09.920> on<01:37:10.240> the<01:37:10.480> consumer

Keywords: 1187, senate, all

Transcript Highlights:

• But there's no question it would help consumers.
• But there's no question it would help consumers.
• And that goes to the cost-of-service model.
• It's not good for consumers.
• And protecting consumers.

Keywords: 988, house, all

Summary: The Assembly Committee on Utilities and Energy held a hearing on California’s petroleum supply and price volatility amid the Iran conflict and Strait of Hormuz disruptions. Committee members and administration witnesses focused first on short-term supply conditions: the California Energy Commission said crude and refined-product imports were still arriving at healthy levels, West Coast inventories were generally adequate, and there was no expected near-term supply shortfall, though diesel inventories were tighter than gasoline or jet fuel. Officials said California’s reliance on imports has grown as in-state refining capacity has declined, and they described ongoing work to track import flows, inventories, refinery outages, and pricing. The Division of Petroleum Market Oversight said the conflict was driving real price increases, but also highlighted California’s persistent branded-gasoline premium and unusually wide station-to-station price dispersion. DPMO reported that some major-brand stations were charging far above the statewide average, that several outlier stations reduced prices after contact from the division, and that investigations and subpoenas were ongoing. Professor Severin Borenstein argued that while crude oil is a global price driver, much of California’s higher retail price gap is a downstream “mystery gasoline surcharge,” not explained by crude costs alone, and he said the state should focus on imports, port and storage capacity, and competition rather than expecting refinery subsidies or an E15 blend to solve the problem. Industry and labor witnesses took different positions on the causes and solutions. The Western States Petroleum Association said state policy had weakened California’s refining system, making it more dependent on long, fragile supply chains and vulnerable to global shocks, and urged the state to protect remaining refining capacity and reduce regulatory burdens. United Steelworkers Local 675 emphasized that refinery reliability and staffing matter for market stability. Members pressed witnesses on whether California should set fuel-supply targets, how to prepare beyond the next six weeks, whether more import dependence increases risk, and what additional data or authority the state needs. No formal votes or actions were taken during the hearing.

Transcript Highlights:

• I may consume. I may consume.
• I may consume. I may consume.
• . consume. consume.
• . consume. consume.
• . consume. consume.

Keywords: U.S. House of Representatives Floor Proceedings on Monday, December 1, 2025, 1012, house, all