Video & Transcript Research : 'content verification'

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MN

Minnesota 2025-2026 Regular Session

House Environment and Natural Resources Finance and Policy Committee 3/3/26

Environment and Natural Resources Finance and Policy

Transcript Highlights:
  • Chair, I'd love to hand it over to my colleague Mike Kana to go over the details, the contents of the
  • 09:12.640> the Mike Kana to go over the details, the Mike Kana to go over the details, the contents
  • contents of the bill. contents of the bill.
Bills: HF3426, HF3428
MN

Minnesota 2025-2026 Regular Session

Committee on Commerce and Consumer Protection - 02/24/26

Commerce and Consumer Protection

Transcript Highlights:
  • other laboratories that are accredited are doing, as you're purporting, a good job of verifying the content
  • <00:09:44.399> uh<00:09:44.560> verifying<00:09:45.040> the<00:09:45.279> content
  • <00:09:45.519> of<00:09:45.680> these of uh verifying the content of these of uh verifying
  • the content of these products,<00:09:46.800> I<00:09:47.040> guess products, I guess products
Keywords: 1187, senate, all
AL

Alabama 2026 Regular Session

Alabama House Education Policy Committee Jan 28th, 2026

Education Policy

Transcript Highlights:
  • A passing score on the appropriate practice content exam, which, uh, we know that you can take that exam
  • 00:40:48.160> practice score on the appropriate practice score on the appropriate practice content
  • 40:50.640> we<00:40:50.960> know<00:40:51.200> that<00:40:51.440> you content
  • exam which uh we know that you content exam which uh we know that you can<00:40:51.920> take<
Keywords: 1136, house, all
FL

Florida 2026 Regular Session

Appropriations Committee on Criminal and Civil Justice Jan 15th, 2025

Appropriations Committee on Criminal and Civil Justice

Transcript Highlights:
  • supplementing that and reinforcing that with the teachers that are online, supporting the kids with that content
  • You know, we've had over 2,000 courses ...content expertise to drive improvement.
  • I'm working with my ESE teacher right now on Zoom, and we're going through my lesson and my content and
  • So while we have the kids on laptops and using the content area instructors and teachers online, there
Summary: The committee met to hear an overview of the Appropriations Committee on Criminal and Civil Justice budget area and then received performance-measure presentations from the Department of Corrections, the Commission on Offender Review, and the Department of Juvenile Justice. Staff reviewed the roughly $7.4 billion criminal justice and judiciary budget, noting major funding areas such as corrections, law enforcement, victim services, courts, and due process, along with recent investments in prison health care, security equipment, fentanyl enforcement, court staffing, and juvenile justice salaries and education programs. Secretary Dixon of the Department of Corrections described staffing and population pressures, including growth in inmate population, overtime-driven deficits, and the opening of additional housing units. He emphasized the department’s use of performance measures and highlighted reforms such as incentivized prisons, administrative management units, reentry planning, faith-based programs, and expanded education and vocational training. Members asked about teacher hiring, public defender pay parity, fentanyl funding, staffing capacity, and the role of the National Guard; Dixon said teacher vacancies had improved, public defenders had received comparable pay increases, fentanyl funding would be addressed further by FDLE, and the Guard had helped stabilize staffing. The Commission on Offender Review reported on parole, conditional release, addiction recovery supervision, and revocations, saying its recidivism/success rates had improved over a three-year measurement period. Senator Rouson pressed the commission on clemency and pardons, saying that work was omitted from the presentation and asking for backlog and case data; the commission said it did not have those figures on hand and would follow up. The committee also discussed a conditional medical release pilot study, and members questioned the report’s conclusion that no suitable elderly inmate population could be identified, asking what criteria were used and whether stakeholders were consulted. Secretary Hall of the Department of Juvenile Justice outlined the agency’s prevention-to-residential continuum and its emphasis on education, data-driven decision-making, and evidence-based programming. He said salary increases had reduced vacancies, juvenile arrests and residential commitments had fallen sharply over time, and tools such as civil citations, risk assessments, and quality-improvement reviews were being used to guide placements and services. Hall also described the department’s use of dashboards, monthly data check-ins, and the dispositional matrix to improve outcomes and reduce recidivism.
KY

Kentucky 2026 Regular Session

Interim Joint Committee on Education (6-2-26)

Education

Transcript Highlights:
  • And the right column includes the disciplinary clarification statement that includes ideas and content
  • And the right column includes the disciplinary clarification statement that includes ideas and content
  • And the right column includes the disciplinary clarification statement that includes ideas and content
  • And the right column includes the disciplinary clarification statement that includes ideas and content
  • And the right column includes the disciplinary clarification statement that includes ideas and content
NH
Transcript Highlights:
  • . >> I'm content with changing it to the list of three states. Is that Representative Polls off?
  • Would you be content with those two sentences? >> Yeah, yeah, yes, perfect. >> Okay.
Keywords: 928, house, all
Summary: The Special Committee on COVID Response Efficacy met to review its mission, approve prior minutes at a future meeting, and discuss materials related to COVID-19 vaccination guidance. Members examined a pediatric vaccination handout from a private pediatric practice and compared it with New Hampshire DHHS and AAP/AAFP immunization guidance, focusing on how COVID-19 vaccine recommendations are presented for children and adults. Committee members also discussed the scope and accuracy of the committee’s endnotes and supporting documents. The main business was a draft letter urging the governor to direct state agencies to stop recommending COVID-19 mRNA vaccines. Members revised the letter paragraph by paragraph, including changing wording about age ranges for children, clarifying references to the American Academy of Pediatrics, and adding discussion of vaccine safety concerns, alleged suppression of safety data, and federal investigations. They also debated whether to reference specific reporting systems such as VAERS and V-safe, and whether to include examples from other states, including Tennessee, Arizona, Minnesota, and Florida, as evidence of broader concern about mRNA vaccines. After the edits were completed, Representative Villio moved to accept the letter as amended, Representative Leroy seconded, and the committee approved it by voice vote 4-0. The chair said the revised letter would be finalized and distributed later in the week. The meeting then adjourned at approximately 11:57 a.m.
HI
Transcript Highlights:
  • So, the Chair's recommendation for this bill is to pass it out as an HD1, replacing the contents with
  • So, the Chair's recommendation for this bill is to pass it out as an HD1, replacing the contents with
Keywords: 910, house, all
Summary: The committee heard SB 3263 SD2, which would create a University of Hawaii NIL (name, image, and likeness) endowment trust fund, require UH to establish an NIL program and distribution criteria, allow student athletes to be compensated through registered athlete agents, permit parents or guardians to assist in some areas by agreement, require annual reporting to the legislature, and appropriate funds. UH Athletics Director Matt Helliot testified in strong support, saying NIL funding is critical to recruit and retain athletes and keep UH competitive, especially as the program moves into the Mountain West Conference. He cited the men’s basketball team’s success and said UH had already raised private NIL money for that team. The Iron Workers Stabilization Fund also supported the bill, calling it a modest but important investment in UH athletics and a way to help keep local talent in Hawaii. One supporter said the bill would help UH compete with larger schools and retain athletes amid rising costs and large NIL deals elsewhere. Another supporter, Cliff LaBoy, said the current NIL environment makes funding essential and argued UH needs more money than the bill’s structure provides. A testifier noted the Senate version’s corpus may be insufficient and said they preferred the House version. During questioning, Helliot said UH’s private fundraising target for the current year was $3 million and that the department was already more than two-thirds of the way there. In decision-making, the chair said the committee would move the bill forward as an HD1 replacing the contents with the House version, remove the blank appropriation section because $5 million had already been inserted into the UH budget through HB 1800, and focus the bill on the framework rather than the funding amount. The committee then voted to pass SB 3263 SD2 with amendments, with all voting members present voting in favor and one member excused.
FL

Florida 2026 4th Special Session

February 24, 2026 - 08:30 AM

Education & Employment Committee

Transcript Highlights:
  • Virtual Schools, and military members stationed overseas who are Florida residents can also access that content
  • STATIONED   33 OVERSEAS THAT ARE FLORIDA RESIDENTS CAN  ALSO TAP INTO AND ACCESS THAT CONTENT
Summary: The House Education Employment Committee heard seven bills and reported each favorably. HB 129 on Florida Virtual School would remove a priority system, confirm access for all Florida students and eligible military dependents overseas, clarify teacher retirement status, allow local schools to administer required exams, and authorize direct-support organizations; it passed unanimously after brief questions about audit-related updates and waitlists. HB 423 on student elopement, sponsored by Rep. Eskamani and Rep. Tramont, would require schools to establish safety teams and prevention plans for students who may leave supervised areas; testimony from autism advocates emphasized drowning and other safety risks, and the bill passed 16-0 with strong bipartisan support. The committee also approved CS for CS HB 753 on school counselors, which removes certain certification barriers while keeping the master’s degree requirement and sets evaluation criteria based on state counseling standards. Supporters said the bill would help address counselor shortages and align evaluations with the profession’s actual duties. CS HB 1253 on coach support for student-athletes, as amended, allows coaches to use personal funds up to a capped amount for student needs with written parental consent; members raised concerns about liability, fairness, and the need for clear guardrails, but the bill passed 15-0. CS HB 833 on private school facilities would make small private schools of 100 students or fewer a permitted use in commercial and mixed-use zoning districts and allow use of existing buildings if fire and code standards are met; supporters said it would reduce local barriers while preserving safety, and it passed 15-0. PCS for CS HB 1325 would update the Linking Industry to Nursing Education Fund by clarifying matching contributions, allowing expansion or modernization of existing space but not new construction, and streamlining awards; it passed unanimously with broad college and health system support. Finally, CS HB 1437 on conversion charter schools would create clearer dispute-resolution options for facility maintenance issues and, via amendment, allow capital outlay funds for repairs if the charter assumes full responsibility; after debate over whether the amendment was premature, the bill passed 13-3. The meeting then adjourned.
AZ

Arizona 2026 Regular Session

02/05/2026 - House Rural Economic Development

Rural Economic Development

Transcript Highlights:
  • The bill outlines the contents of the study and requires the Commerce Authority to submit a report of
  • The bill outlines the contents of the study and requires the Commerce Authority to submit a report of
Bills: HB2388, HB2804, HB2926
TX
Transcript Highlights:
  • 1970s, but I think I heard you testify that maybe to your surprise, that has not been an area of contention
  • The contents of the bill in real time here, as far as the change that allows the business court to determine
ND

North Dakota 2025-2026 Regular Session

Senate Appropriations - Human Resources Division Apr 2nd, 2025 at 02:00 pm

Appropriations - Human Resources Division

Transcript Highlights:
  • The content of this service, I believe, mirrors or is very close to the same. Mr. Mather. Mr.
  • The content of this service, I believe, mirrors or is very close to the same.
Keywords: 908, all
Summary: The HR division continued work on the behavioral health budget, with members revisiting several funding items and generally agreeing to hold provider inflation increases until the full division picture is clearer. They tentatively supported additional funding for Community Connect and Free Through Recovery, as well as increases for the drug court program and peer support, while clarifying that some items were already in the House version and others were one-time or grant-related expenditures. The committee spent considerable time on a proposed $2 million behavioral health services program for nursing homes and basic care facilities. Senator Mathern brought revised language to describe a capitated payment model for training, consultation, and direct patient care for residents with medically based behavioral disorders and disruptive behaviors. Some members remained skeptical and wanted to see the amendment before deciding, but the discussion centered on whether the funding would help nursing homes accept patients who otherwise end up in state hospitals or acute care settings. Members also discussed several one-time funding items, including electronic health record and legacy system upgrades, network redundancy for the state hospital, partial hospitalization/intensive day treatment expansion, and a bathroom remodel at the Southeast Human Service Center. The committee restored the bathroom project to the original $972,000 estimate after concerns that the House reduction would not cover the needed ADA and plumbing work. They also debated a $12.96 million behavioral health facility grant for Altru in Grand Forks, with some members opposing it and others supporting it as a regional service expansion, but ultimately set it aside for later consideration. The meeting ended with staff flagging other sections of the bill, including the opioid settlement advisory language, the state hospital steering committee, behavioral health education grants, and the system of care grant. The chair announced that medical services would be taken up the next day, and members agreed to adjourn after planning to revisit unresolved behavioral health items and vote on the held bill later.
MN

Minnesota 2025-2026 Regular Session

Committee on Energy, Utilities, Environment and Climate - 03/25/26

Energy, Utilities, Environment, and Climate

Transcript Highlights:
  • One, you know, one of the um bones of contention is the um what do you call it? Renewed deals.
  • 52.840> the one of the one of the um um um bones<01:01:55.400> of<01:01:55.520> contention
  • 01:02:19.800> of because that seemed to be a bone of because that seemed to be a bone of contention
  • > going<01:02:20.840> forward<01:02:21.720> with<01:02:21.880> lifting contention
  • going forward with lifting contention going forward with lifting the<01:02:22.280> moratorium.
Keywords: 1187, senate, all
FL

Florida 2026 5th Special Session

Judiciary Feb 10th, 2026

Transcript Highlights:
  • a local government, a county or municipality, and they're seeking a permit for an event, that is content
  • That's done on a content-neutral basis.
  • So that would not, I don't believe the content of the music would affect that. Okay. Next area.
  • So that would not, I don't believe the content of the music would affect that. Okay. Next area.
  • That's content neutral. It's not.
Summary: The committee first considered CS/SB 1434 on infill redevelopment. A late-filed strike-all amendment narrowed eligibility to certain contaminated or brownfield properties in Miami-Dade, Broward, and Palm Beach counties, added adjacency and density/intensity limits, and excluded agricultural land, park land, land outside the urban growth boundary, and land near military installations. The amendment was adopted without opposition, and the bill was reported favorably on an 8-0 vote, with limited support and opposition noted in waived appearance forms. Members then took up CS/CS/SB 212 on sexual offenders and sexual predators. The strike-all added public swimming pools and related child-centered locations to residency and presence restrictions. Testimony was sharply divided: proponents argued the bill would help protect children and law enforcement, while opponents, including treatment experts and homelessness advocates, said there was no empirical evidence the restrictions reduce abuse and warned of retroactive punishment and increased homelessness. The amendment was adopted, and the bill passed 8-1. The committee also approved CS/CS/SB 686 on agricultural enclaves after an amendment allowing certain enclaves adjacent to interstates to be developed for commercial, industrial, or single-family residential uses and clarifying exclusions for protected areas. Opponents argued it would weaken zoning and comprehensive plans, while supporters framed it as a property-rights measure; the bill was reported favorably 10-0. SB 554 on nonprofit corporations, a technical update to nonprofit law modeled on prior for-profit corporate revisions, also passed unanimously after supportive waived testimony. Later, the committee approved SB 1338 on charitable giving, which creates a donor remedy for endowment restrictions and limits state reporting burdens on certain regulated or exempt organizations; members discussed cy pres and the sponsor said further changes would be worked out later. CS/SB 532 on court fees was amended to let clerks retain all collections above revenue projections rather than half, with supporters saying clerks have been underfunded for years; it passed 10-0. The committee also favorably reported SB 218 on land use regulations, which restores normal land-use authority to counties not affected by recent hurricanes, and CS/SB 692 on cybersecurity standards and liability, which creates a presumption against liability for entities that comply with cybersecurity frameworks and reporting requirements; the cybersecurity bill drew concerns about retroactivity and the adequacy of compliance incentives but passed 9-2.
CA

California 2025-2026 Regular Session

Assembly Education Committee Apr 9th, 2025

Education

Transcript Highlights:
  • That without changing any curricular content or materials.
  • The Trevor Project, through presenting the suicide prevention resources, promotes content and values
  • that they are okay with their vegetarian food being vegetarian, while still including. high-protein content
  • posts, text messages, and particularly via group chat on Snap, circulating harmful or humiliating content
  • is a co-sponsor of AB 1123 which seeks to add three early childhood education professionals with content
Keywords: 988, house, all
ND

North Dakota 2026 1st Special Session

Administrative Rules Committee Jun 11th, 2026

Administrative Rules Committee

Transcript Highlights:
  • Section 40-7-0508, vacancy announcement contents, we updated the required content to include remote work
  • Under 40-7-12, the topic of annual leave, this has some new content based on changes that we saw in the
Summary: The committee approved the March 12, 2026 minutes and granted the Board of Medicine an extension of time to implement rule changes tied to House Bill 1620/1622, which concern North Dakota’s entry into the physician assistant licensure compact. The Board said it is waiting on compact rules, especially fee structures, before finalizing its own rules. The committee then took up extensive Office of Management and Budget personnel rule revisions, covering salary administration, recruitment, leave policies, funeral leave, service awards, appeals, and shared leave. OMB said the changes modernize HR practices and implement recent legislation, including new hire leave and enhanced annual leave for hard-to-fill positions; the committee raised concerns about the subjectivity and fairness of the hard-to-fill leave provisions, but no action was taken against the rules. The North Dakota Lottery presented emergency and regular rule changes, including updates tied to the Millionaire for Life game and miscellaneous clarifications. The Board of Examiners for Audiology and Speech-Language Pathology described rule updates that add speech-language pathology assistants to the rules, ease continuing education requirements for out-of-state applicants, expand temporary licensure, and clarify supervision standards. The State Electrical Board reviewed numerous code updates, including changes to electrical and fire alarm standards, receptacle labeling, countertop receptacles, and a major new conveyance/elevator inspection program added by the Legislature; the board said it is preparing to begin inspections by August 1. The Industrial Commission’s Geological Survey Division presented new rules implementing House Bill 1459 on critical minerals in coal-bearing formations, including permit, reporting, confidentiality, and royalty-related provisions. The committee asked about confidentiality of exploration data and drilling depth. The Public Employees Retirement System outlined rule changes implementing several bills affecting defined benefit, public safety, defined contribution, insurance, deferred compensation, and retiree health credit programs, and noted possible future proposals to add state EMS or create a LOSAP-style plan. The Department of Health and Human Services presented substance use disorder voucher rules implementing House Bill 1012, including allowing individuals to apply directly and setting reimbursement procedures; the rules were expected to have a $250,000 general fund impact already included in the budget. The longest discussion involved the Gaming Commission rules. Members questioned whether the commission had authority to raise poker tournament buy-ins from $300 to $1,500, viewing it as an expansion of gaming rather than a mere clarification. After debate, the committee voted to void that specific rule section for lack of statutory authority. The rest of the gaming rules covered higher raffle limits from House Bill 1192, the change from “bar” to “alcoholic beverage establishment,” veterans’ organization proceeds, credit ticket voucher kiosks, online raffles, and advertising restrictions; the presenter said several public comments led to revisions or withdrawals of proposed language. The meeting ended with discussion of upcoming Ethics Commission travel-reporting rules and scheduling the next committee meeting in September.
ND

North Dakota 2025-2026 Regular Session

Administrative Rules Committee Jun 11th, 2026

Transcript Highlights:
  • Section 407.0508, vacancy announcement contents, we updated the required content to include remote work
  • Under 407.12, the topic of annual leave, this has some new content based on changes that we saw in the
Summary: The Administrative Rules Committee met on June 11 and first approved the March 12, 2026 minutes by voice vote. It then granted the Board of Medicine an extension of time to implement rules tied to recent legislation, including North Dakota’s participation in the physician assistant licensure compact and a new physician nutrition continuing education requirement. The Board said it was waiting on compact rules and fee information before finalizing its own changes. The committee heard a lengthy presentation from the Office of Management and Budget on broad personnel rule revisions, including salary administration, recruitment, leave, sick leave, funeral leave, service awards, appeals, and shared leave. OMB said the changes modernize HR language and implement recent legislation such as enhanced annual leave for hard-to-fill positions and new hire leave. Members questioned the hard-to-fill leave provisions, but OMB and counsel said those standards come from statute, not the rules. The committee also heard and accepted rule packages from the Lottery, the Board of Examiners for Audiology and Speech-Language Pathology, the State Electrical Board, the Industrial Commission, PERS, and Health and Human Services, with each agency describing mostly technical, clarifying, or statutory-conforming changes and noting the public notice and comment process. The most significant action came during the Gaming Commission rules presentation. After questioning whether the commission had authority to raise the poker tournament buy-in limit from $300 to $1,500, members moved to void Section 99-01.3-09-01 on the ground that the agency lacked statutory authority for that change. The motion passed on a roll call vote. The committee also discussed several gaming-related issues, including online raffles, kiosk use, advertising restrictions, and the broader policy question of whether charities should be allowed to own bars, but took no further formal action on those topics.
LA

Louisiana 2026 Regular Session

Education May 12th, 2026

Education

Transcript Highlights:
  • against a K-12 student with the intent to harass, coerce, intimidate, or maliciously spread that content
  • It carves out appropriate exceptions for satire, parody, and clearly labeled content, which I believe
  • I think that's also a concern or in contention for why it's being brought to that particular mechanism
Summary: The House Education Committee met on May 12, 2026, and first approved SB 518, which gives LSU limited authority to buy and sell certain real estate within one mile of campus as a two-year pilot program. Supporters said the bill would let LSU respond more quickly to deteriorating properties near campus and improve the student experience, while keeping protections such as appraisals and fair-market-value requirements. Members asked about whether the authority would affect residential property or be expanded to other universities, and the bill was reported favorably without objection. The committee then advanced SCR 33, creating a one-year Work-Based Learning Coordination Task Force to study and better align apprenticeships, internships, job shadowing, and related programs across state agencies and employers. Testimony emphasized the need to reduce duplication and improve coordination so students and employers can more easily connect. HR 168 also passed, directing the Board of Regents to study collegiate athletic program funding after concerns raised by athletic directors about deficits and accounting practices. Members next approved SB 488, establishing a school safety drone response pilot program to supplement school crisis plans. The bill drew detailed testimony from a vendor describing drone deployment, response times, and coordination with law enforcement; an amendment was adopted to require coordination with the Department of Education, State Police, and the Sheriffs’ Association. The committee also favorably reported HCR 97, asking BESE and Wildlife and Fisheries to study adding age-appropriate hunting, conservation, and shooting sports education in grades 5-12, with members clarifying that no live firearms would be used on campus. Finally, the committee approved SB 112, allowing local school boards to adopt parental-consent release-time policies for religious instruction, with amendments adding instructor qualifications, reporting requirements, electronic delivery flexibility, and constitutional safeguards. It also reported SB 504, expanding individual graduation plans to include vocational options and apply to charter schools, with an amendment for standalone elementary charters. The committee then passed SB 346 and SB 347, both dealing with deepfakes—one prohibiting their use against K-12 students and the other adding unlawful deepfakes to campus power-based violence rules—and SB 353, authorizing postsecondary systems to digitize student IDs for use in LA Wallet. Several members raised concerns about naming LA Wallet specifically, but the bill was still reported favorably. The meeting ended with adjournment.
MN

Minnesota 2025-2026 Regular Session

House Public Safety Finance and Policy Committee 3/11/26

Public Safety Finance and Policy

Transcript Highlights:
  • The volume and content of the communication alarmed me.
  • Currently, when a prosecutor notifies the victim of the contents of a proposed plea agreement, they must
  • Currently, when a prosecutor notifies the victim of the contents of a proposed plea agreement must also
AR
Transcript Highlights:
  • That's a specific part of the law that shields internet companies from liability for user-posted content
  • That's a specific part of the law that shields internet companies from liability for user-posted content
  • We don't believe that ads that you take money for are the same thing as user-posted content, and that's
Keywords: 1204, all
AR
Transcript Highlights:
  • That's a specific part of the law that shields internet companies from liability for user-posted content
  • "Companies from liability for user-posted content.
  • We don't believe that ads that you take money for are the same thing as user-posted content, and that's
Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members and witnesses describing scams targeting seniors, small businesses, and working families. The committee first approved the November 3, 2025 minutes, then heard from the Arkansas Bankers Association, the American Bankers Association, banks, the Attorney General’s Consumer Protection Division, the Arkansas Mortgage Bankers Association, the State Bank and Securities Department, the Insurance Department, and AARP. Witnesses described common schemes including spoofed bank calls and texts, government imposter scams, romance and investment scams, business email compromise, fake job postings, gift card scams, check fraud, wire fraud, reverse mortgage scams, identity theft, and insurance fraud. Several witnesses emphasized that cryptocurrency kiosks and crypto transfers make recovery difficult or impossible, and that artificial intelligence is making scams more convincing and scalable. Witnesses repeatedly stressed education, verification, and coordination among banks, law enforcement, regulators, and consumers. Bank and mortgage representatives urged consumers to slow down, independently verify wire instructions, avoid clicking unexpected links, use tap-to-pay rather than chip or swipe when possible, and never share account credentials or one-time codes. The Attorney General’s office said it investigates consumer complaints, mediates disputes, works with social media platforms to remove scam ads, and recently created a Financial Fraud Task Force with bankers and other stakeholders. The State Bank and Securities Commissioner highlighted the Safe AR Act, the state’s crypto kiosk framework, and fraud education efforts such as “fraud bingo,” while the Insurance Department described its law-enforcement role and a range of insurance-related fraud schemes it prosecutes. AARP said fraud is widespread and underreported, especially among older adults. Members asked about reporting scams, how losses are handled, whether tap is safer than chip, how crypto fraud works, whether Arkansas has model legislation to address telecom and social media impersonation, and how local law enforcement and state agencies coordinate investigations. Witnesses said banks generally absorb much of the financial loss under federal rules, while consumers bear the inconvenience and account changes. Several witnesses said Arkansas should consider additional legislation to hold telecom companies and social media platforms accountable for spoofed caller IDs and impersonation ads, and one witness said a federal Scam Act is moving in Congress. No additional votes or formal actions were taken beyond approval of the minutes, but witnesses agreed to share consumer education materials and model legislation with committee staff.