Video & Transcript Research : 'Consumer Protection'
Page 139 of 500
MN
Transcript Highlights:
- . the form of higher prices for consumers.
- Uh, as you to retailers and consumers.
- Unfortunately, this tax will not eliminate consumer demand for products.
- Found its way back to the consumer. And that's just the fact of life.
- have, the benefit for these consumers have, the benefit for these consumers and<00:52:09.599>
MA
Massachusetts 2025-2026 Regular Session
Senate Session (Full Formal with Calendar) Jun 21st, 2026 at 11:00 am
Massachusetts Senate Floor Meeting
Transcript Highlights:
- Enactment: Enhancing Child Welfare Protections, House No. 4646. A bill has been read a third time.
- and the rights of consumers.
- Protection Act, which he sponsored alongside U.S.
- This legislation also created the Consumer Financial Protection Bureau, an independent federal agency
- specifically dedicated to protecting consumers from businesses engaging in unfair and predatory tactics
Summary:
The Senate took up House No. 4646, an act enhancing child welfare protections, and considered a series of amendments focused on child welfare, school discipline, truancy, foster care transparency, and related services. Several amendments were withdrawn, including Senator DiDomenico’s proposal to create a Massachusetts children’s cabinet and Senator Tarr’s amendments on timeout and isolation standards, the best-interest-of-the-child standard, and mandated reporter definitions. Other amendments were adopted, including Senator Rauch’s amendments on student transfers and reasonableness, Senator Tarr’s amendment on information management integrity and youth engagement in the Office of the Child Advocate, and the Senate Ways and Means amendment. Amendments on school compliance before CRA filings, probation certification before accepting a child requiring assistance petition, and statewide truancy and engagement standards were rejected.
After the amendments were resolved, the Senate ordered the bill to a third reading and then passed it to be engrossed by a roll call vote of 39 in the affirmative and none in the negative. The chamber also adopted a motion to adjourn in memory of John Edwards and Hadley Boucher, with moments of silence held for each. Later, the Senate also adjourned in memory of former U.S. Representative Barney Frank, with remarks highlighting his civil rights work, his role in financial reform, and his historic service as the first openly gay member of Congress.
Before adjournment, the Senate took up a House amendment to the Senate bill establishing the Massachusetts Data Privacy Act, voted not to concur, and requested a committee of conference. The chair appointed Senators Creem, Finegold, and O’Connor to the conference committee. The Senate then adopted an order to reconvene on Monday at 11:00 a.m. and dispense with printing a calendar, and finally adjourned.
FL
Florida 2025 Regular Session
Agriculture Mar 3rd, 2025
Transcript Highlights:
- THEY'VE ALLOWED US TO CONSUME MORE QUANTITIES OF FOOD BUT ULTIMATELY WE AS A SOCIETY AND FLORIDIANS AND
- MY NAME IS GREG COSTA, SENIOR DIRECTOR OF STATE AFFAIRS WITH CONSUMER BRANDS ASSOCIATION.
- THEY ARE JUST NOT IN THE TASTE OF FOOD CONSUMERS AND BEVERAGE CONSUMERS IN THE EU.
- AS THIS GOES ON AND CONSUMERS MAKE KNOWN WHAT IT IS THEY WANT IN AND OUT OF FOOD THE INDUSTRY REACTS
- SENATOR COLLINS I TOTALLY SUPPORT YOUR MOTIVATION TRYING TO ATTACK PROTECT FLORIDIANS FROM DANGEROUS
FL
Florida 2026 4th Special Session
February 5, 2026 - 09:00 AM
Transcript Highlights:
- Constitutionally protected, state legal, parity.
- It is illegal to actively consume something.
- there are protections for the victims.
- Our pets are part of our families and protecting them also means protecting the children who witness
- Very intricate, very time-consuming.
CA
California 2025-2026 Regular Session
Assembly Select Committee On Alternative Protein Innovation Jun 25th, 2025
Transcript Highlights:
- It is not just consumers who are benefiting.
- And so what we did was just look at the consumer price index.
- I had authored the original AB 30 to protect 30% of our land and water by 2030.
- So that's, I think, it's really around labeling, help consumers understand.
- Many products are not yet at par with animal-sourced products on price and consumer attributes.
Summary:
The Select Committee on Alternative Protein Innovation held its first informational hearing to examine the state of alternative protein research, industry growth, and policy needs in California. The chair opened by noting California’s $5 million public investment in UC research in 2022 and framed the hearing around three panels: the climate, environmental, and security potential of alternative proteins; industry scaling and commercialization; and university-led research and workforce development. Members emphasized that the committee will continue with site visits and additional hearings across the state.
The first panel focused on the case for alternative proteins as a climate, land, water, biodiversity, and food-security solution. Shana Fertig of the Good Food Institute argued that plant-based, fermentation-derived, and cultivated proteins can reduce greenhouse gas emissions, land use, and water use while helping California meet its climate and conservation goals. Zane Swanson of CSIS added that alternative proteins could reduce risks tied to zoonotic disease, antimicrobial resistance, supply-chain disruption, and broader national security concerns. In questions, members discussed the role of pharmaceuticals in animal agriculture and how alternative proteins might complement, rather than replace, traditional farming by creating new markets for California crops and helping farmers diversify.
The second panel featured industry leaders Ethan Brown of Beyond Meat, Myra Passick of Upside Foods, and Arye Elfenbein of Wildtype. Brown highlighted plant-based meat’s health and climate benefits, criticized misinformation campaigns against the sector, and urged better labeling, reduced subsidies for factory farming, and more plant-based food in public institutions. Passick described cultivated meat as a scalable food-production technology, said Upside Foods has already produced millions of pounds annually at its Emeryville facility, and asked for grants, low-interest loans, and possible participation in cap-and-trade or similar revenue programs. Elfenbein described cultivated seafood as a way to address overfishing, contamination, traceability problems, and the heavy import dependence of the U.S. seafood supply, while also noting conservation benefits and the need for California to remain a hub for the industry.
The final panel centered on research and workforce development. UCLA’s Amy Rowat described state-funded work on technical bottlenecks such as growing fat cells and creating edible scaffolds, along with a Future Food Fellows program that trains students across science, engineering, law, and policy. UC Santa Cruz economist Galina Hale argued that alternative proteins are necessary to meet future protein demand while reducing food-system emissions, and said California must support the sector through grants, loans, procurement, and research centers to avoid losing leadership to other states and countries. The hearing ended with the chair thanking the witnesses, noting that all materials would be posted online, and saying the committee would continue building policy and budget proposals to support the sector.
NH
New Hampshire 2026 Regular Session
House Commerce and Consumer Affairs (04/01/2026)
Commerce and Consumer Affairs
Transcript Highlights:
- considered protected speech? considered protected speech?
- The lobbying is protected speech. Being paid to lobby is not protected speech.
- Uh that protects the state they're in.
- Now I don't personally agree protected.
- That's a very important right that we protect, and all of us on the comfort dog side are trying to protect
HI
Hawaii 2025 Regular Session
CPC Public Hearing - Thu Feb 6, 2025 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- rural<00:20:28.360>
health on consumer protection as a rural health on consumer protection - So really, this is a consumer protection issue.
- So really, this is a consumer protection issue.
- So really, this is a consumer protection issue.
- So really, this is a consumer protection issue.
Summary:
The committee heard testimony on several measures, beginning with HB 205 HD1 and HB 480 HD1 on workers’ compensation. Testifiers from the Department of Labor and Industrial Relations and the Department of Human Resources Development supported the bills, with DLIR saying HB 205 would codify and regulate nonprescription over-the-counter drugs at a reasonable rate, and DHRD saying HB 480 would encourage timely and accurate assessments of injured workers’ physical abilities. No opposition was raised on those measures, and the committee moved on without votes or amendments noted.
On HB 331 HD1 relating to permits, the University of Hawaiʻi, the Department of Education, and the Hawaii School Facilities Authority supported the bill, while the Board of Water Supply and Greg Mikan opposed it. Supporters did not elaborate much beyond standing on written testimony, but the School Facilities Authority asked that renovations be added to the definition of repeatable projects. Opponents argued the Department of Planning and Permitting is understaffed and that bypassing or speeding the permitting review process could create problems, especially for projects requiring proper engineering review. No action was taken beyond hearing testimony.
The committee also heard HB 72 HD1 on pharmacy technician regulation, with the Board of Pharmacy offering comments and the Hawaii Pharmacist Association, Walgreens, and Mōʻiliʻili Drugs supporting the measure. Supporters said pharmacy technicians already perform essential duties such as vaccinations, compounding, inventory, and dispensing, and argued Hawaiʻi is the only state without an active managed list of practicing pharmacy technicians. On HB 139 HD1 regarding insurance, the Department of Commerce and Consumer Affairs offered comments, and the Hawaii Society for Clinical Oncologists supported the bill, arguing fertility preservation coverage should not conflict with federal law or the prepaid health care system. On HB 32 HD1 relating to cannabis, the Attorney General and Department of Health raised concerns about allowing purchase before certification is approved, while the Hawaii Cannabis Industry Association supported the bill and suggested lowering the purchase limit from 2 ounces to 1 ounce; the Department of Health said its average turnaround is two to three business days, with about 20% of applications returned for incompleteness and an internal expedited process for certain cases.
Later, the committee heard HB 470 HD1 on noise, with the Department of Health supporting the goal of reducing noise pollution but cautioning that regulating intermittent noise like string trimmers is complicated, while the Retail Merchants of Hawaiʻi opposed the bill as a hardship for small businesses and questioned the practicality of battery-powered equipment. Ted Bolan supported the measure, saying it would not ban gas leaf blowers but would require quieter models over time. The committee then heard HB 534 HD1 on labeling requirements, where DLNR and the Department of Agriculture offered comments and several fishing and consumer groups supported the bill. Testimony focused on seafood origin labeling, especially raw tuna used in poke and sushi, with DLNR explaining the bill was being narrowed to avoid federal preemption and to avoid unintentionally covering canned tuna or other processed products. Finally, the committee heard H47 HD1 on aquaculture, with the Department of Agriculture, the Hawaii Invasive Species Council, and the Agribusiness Development Corporation supporting the measure; no votes were taken on any bill during the hearing.
MN
Minnesota 2025 1st Special Session
Committee on Agriculture, Veterans, Broadband and Rural Development - 04/02/25
Agriculture, Veterans, Broadband, and Rural Development
Transcript Highlights:
- from the general fund for the protect from the general fund for the protect grant<00:23:02.640><
- position that moved to protection position that moved to protection services.<00:26:44.080>
This - <00:33:56.000>
from public health protection from public health protection from unreasonable - <00:42:23.960>
services is going towards a protection services is going towards a protection - So, um, it really doesn't address consumers. We would consider that a retail sale.
NH
Transcript Highlights:
- Conquer passing this bill protects Conquer passing this bill protects future<00:06:28.360>
Merit - With that comes the Consumer Protection Bureau's ability to seek injunctive relief, to seek penalties
- that is housed within the Consumer that is housed within the Consumer Protection<01:44:18.440>
- >
large the Consumer Protection Bureau at large the Consumer Protection Bureau at large with<01- >
uh consumer protection bureau's ability uh consumer protection bureau's ability uh to<01:45: - >
HI
Hawaii 2025 Regular Session
CPC Public Hearing - Thu Apr 10, 2025 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- Convening the Committee on Consumer Protection and Commerce. This is Thursday, April 10th.
- Um, and given that your agency looks at both consumers as well as commerce, the interests of both, um
- I'm executive director of the Office of Consumer Protection at DCCA. updating the landlord tenant code
- as well as commerce, the both consumers as well as commerce, the interests<00:14:37.199>
of <00 - >
Protection <00:15:19.600>at <00:15:20.040>DCCA.
Summary:
The Committee on Consumer Protection and Commerce heard STR 123 SD1, which asks the judiciary to convene a working group to study landlord-tenant issues aimed at increasing rental housing supply and improving landlord-tenant interactions. The Department of Commerce and Consumer Affairs said it had originally asked to defer the measure but was not opposed to the idea of a working group and preferred the Senate bill vehicle already introduced. Hawaii Realtors testified in strong support of the measure.
Members discussed how the working group should be structured, including whether it should have balanced representation from tenant advocates and landlord-side stakeholders, with possible participation from neutral entities such as the judiciary or DCCA. DCCA’s Office of Consumer Protection said the legislature should decide the composition, noted that minority views can still be advanced outside the working group, and deferred to the convenor on whether recommendations would be made by consensus or vote.
In decision-making, the committee recommended passing the measure as a House Draft 1 with amendments that narrow the scope of the working group and conform it to House-Senate Bill 822. A member expressed a reservation that the bill should explicitly require equal numbers of tenant and landlord representatives to bolster community credibility. The motion passed, with one member voting aye with reservations and the recommendation adopted.
MN
Minnesota 2025-2026 Regular Session
House/Senate Press Conference 2/26/25
Transcript Highlights:
- protections for homeowners and solid guardrails to set associations, boards, and property managers up
- protections for homeowners, placing people at the center of our work.
- <00:02:44.760>
protections balances to provide consumer protections balances to provide consumer - for consumers and for associations.
- <00:18:45.280>
uh of gives another level of protection uh of gives another level of protection
Summary:
Legislators unveiled the Master Common Interest Community and Homeowner Association Policy Reform Bill, describing it as a comprehensive package built from a 14-meeting interim work group and public listening sessions. Speakers said the bill is intended to update Minnesota law with clearer standards for governance, open meetings, governing documents, dispute resolution, fines and fees, foreclosure procedures, conflicts of interest, and the roles of municipalities and civil rights protections. They framed the measure as a bipartisan effort aimed at consumer protections, transparency, fairness, and clearer expectations for both homeowners and volunteer board members.
Much of the discussion focused on complaints from constituents about excessive fines, unexplained fees, lack of access to financial documents, weak dispute processes, and conflicts of interest involving property managers and contractors. Examples included a small trash-can violation escalating to foreclosure and a roof-repair contract steered to a subsidiary of the property management company. Senators and representatives said the bill would require associations to adopt written fine policies, provide notice and time to cure violations, and create internal dispute-resolution procedures so homeowners are not forced immediately into costly legal fights.
A key policy question was Article 3, which would bar cities and municipalities from conditioning approval of new developments on amenities or features that require an HOA, while still allowing voluntary HOAs. Sponsors said this would reduce the number of homeowners pushed into associations and prevent local governments from shifting costs onto residents. They also said the bill is part of a broader package that includes separate measures on registration requirements, attorney general enforcement, an ombudsman office, and a task force to study insurance costs.
No formal votes were taken in the transcript. The speakers said the Senate bill was expected to have a housing committee hearing the following week, with additional committee stops likely in state and local government and judiciary, and that House-side negotiations were ongoing. They also said the bill could still be refined as testimony continues and stakeholders raise concerns.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, May 5, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- myself as much time as I may consume. myself as much time as I may consume.
- myself as much time as I may consume. myself as much time as I may consume.
- much time as I may consume. much time as I may consume.
- consume. Gentleman's recognized. Mr. consume. Gentleman's recognized. Mr.
- How can you protect our Constitution, protect our economy, protect our way of life, our freedoms, our
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, June 3, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- Trump stepped up to the plate to protect Trump stepped up to the plate to protect a<00:06:36.479
- myself such time as I may consume. myself such time as I may consume.
- may consume. The gentleman's recognized. may consume. The gentleman's recognized.
- Equal protection clause. that trend. Equal protection clause.
- violence, and protect all Americans. violence, and protect all Americans.
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/17/26
Commerce and Consumer Protection
Transcript Highlights:
- Welcome to the Minnesota Senate Commerce and Consumer Protection Committee, March 17th, 2026.
- Um, so, again, as I stated at the outset, the attempt is to protect consumer privacy, protect legitimate
- <00:24:53.640>
consumer uh the attempt is to protect consumer uh the attempt is to protect - This is a consumer protection issue.
- This is a consumer protection issue. This is a consumer protection issue.
MD
Transcript Highlights:
- Consumer protection, retail transaction for essential consumer goods, cash payments.
- >
disclosure consumer protection and disclosure consumer protection and disclosure requirements - Protection Act and under the Consumer Protection Act and subject<00:31:17.720>
to <00:31:17.880 - House Bill 895, the Speaker, Consumer Protection; Price of Setting Consumer Goods.
- Senate Bill 582, Senator Jennings, Consumer Protection, Unsolicited Loans.
Summary:
The Senate reconvened with a quorum and began by reading House messages and first-reading bills, including SB 8 on identity fraud and deepfakes and HB 145 on election misinformation and deepfakes, which was referred to Rules. The chamber then handled several concurrence and conference matters. On HB 154, the Open Meetings Act bill for county boards of education, the Senate initially moved to recede from its amendments and accept the House version, but debate centered on a Senate transparency amendment limiting school boards’ ability to censor recordings. A motion to reconsider the amendments was laid over for 15 minutes. On SB 514, a third-degree assault bill, the House refused to recede and a conference committee was appointed. A guest introduction also welcomed a 10-month-old visitor to the gallery.
In second-reader business, the Senate adopted committee amendments and advanced SB 504, which strengthens data privacy protections and limits use of personal data for immigration enforcement, and SB 790, the Public Health Reform Act, which revises the Commission on Public Health, updates the Maryland Medical Reserve Corps, adds health equity review processes, and makes related administrative changes. Both bills were reported favorably with technical and conforming amendments and ordered printed for third reading. The chamber then took up HB 191, which would require merchants to accept cash for essential consumer goods and set related rules and exceptions; members questioned its scope, exemptions, and enforcement, and the bill was laid over pending clarification about whether stadiums are covered. Finally, HB 564 on pet cremation and burial services added consumer protection and disclosure requirements for pet cremation providers; its technical amendment was adopted and the bill was ordered passed for third reading.
DE
Delaware 2025-2026 Regular Session
House of Representatives Legislative Session - Session 2 - 38th Legislative Day Jun 18th, 2026
Delaware House Floor Meeting
Transcript Highlights:
- So HB 439 is actually a consumer protection and public safety bill.
- So HB 439 is actually a consumer protection and public safety bill.
- I work with the Department of Transportation, and I also work with consumer protection on this piece
- I have Jane. ...and I'll also work with consumer protection on this piece of legislation.
- This promotes competition, protects consumer choice, and maintains the right of landlords to require
Summary:
The House received a series of Senate communications and committee reports, then took up a long consent calendar and several individual measures. Early actions included passing consent calendar items, recognizing Freedom of Speech Week and Juneteenth, and hearing numerous introductions and tributes, including remarks honoring House fellows, Father’s Day, and Representative Mara Gorman. The chamber also adopted several procedural motions and recesses, with roll calls recorded throughout.
Among the bills considered, the House passed House Bill 134 on animal cruelty, increasing penalties for repeat offenses; House Bill 131 with Senate Amendment 1 on pet stores and animal welfare; House Substitute 1 for House Bill 320 on technical corrections to the Delaware Constitution; House Substitute 1 for House Bill 407 on technical updates to the Hazardous Substance Control Act; House Substitute 1 for House Bill 425 on salary supplements for certain school employees; House Substitute 1 for House Bill 450, the Road Delaware Act, on land use and permitting reform; House Bill 459 on restricting energy drink sales in schools; House Substitute 1 for House Bill 439 on electric moped and motorcycle disclosures; and House Bill 444, the Delaware John Lewis Voting Rights Act, after amendment delaying its effective date to July 1, 2027. House Amendment 1 to House Bill 459 was adopted, and House Amendment 1 to House Bill 444 was adopted before final passage.
The House also rejected House Amendment 1 to House Substitute 1 for House Bill 425 after debate over salary supplement policy for school-related certifications, then passed the substitute bill itself. House Bill 407 prompted questions about the increase in civil penalties, which DENREC said was intended to update outdated fines and align the penalty structure with other laws. House Bill 444 drew floor speeches emphasizing voting rights protections and concerns about voter suppression and dilution. The session ended with the House moving to recess after continuing consideration of House Bill 355, the Speaker Truth Act, which had just adopted an amendment changing damages language to attorney’s fees and costs.
CA
California 2025-2026 Regular Session
Assembly Natural Resources Committee Apr 7th, 2025
Transcript Highlights:
- our nature and protecting certainly our coast.
- our nature and protecting certainly our coast.
- Microplastics are released in consumer products in staggering amounts.
- Microplastics are released in consumer products in staggering amounts.
- To ban microplastics in common consumer products starting in 2027.
Summary:
The committee heard a long agenda of natural resources and related bills, with several measures taken up as the committee reached quorum and many others moving on consent or with due-pass recommendations. Early items included AB 80 on carpet recycling, AB 452 creating a local process for state surf reserves, and AB 823 restricting microplastics in personal care and cleaning products. AB 80 drew broad support from recycling, labor, and environmental groups and was described as a follow-up to earlier carpet recycling reforms. AB 452 was backed by surf, tourism, environmental, and local government interests as a voluntary, community-driven way to recognize and protect surf breaks. AB 823 generated the most extensive debate, with supporters citing public health and environmental harms from microplastics and opponents warning the bill’s language could sweep in products such as sunscreens, cosmetics, and fragrance-encapsulation materials; the committee discussed possible ambiguity and EU comparisons before voting the bill out on a due-pass-as-amended basis to Environmental Safety and Toxic Materials.
The committee also advanced AB 1046, which would create a narrow exemption from SB 1383 organic-waste requirements for certain crop preparers and tree nut processors that do not send organic waste to landfills. Agricultural witnesses said the bill would clarify that their operations already reuse byproducts and should not face duplicative reporting, and the measure passed with support from agricultural and rural county representatives. AB 252, the “Stop Laying Off Firefighters Act,” proposed year-round Cal Fire staffing; the author and Cal Fire supporters argued that wildfire conditions are now year-round and that maintaining trained crews would improve response and prevention, and the bill was sent to Appropriations. AB 571, a targeted CEQA exemption for the Southern California Veterans Cemetery in Anaheim, drew strong bipartisan and veterans’ support and also passed out.
Later, the committee approved AB 1455, which would authorize emergency rulemaking and streamline future updates for ember-resistant building regulations after recent wildfire emergencies, and AB 687, which would let public agencies use forest-practice rules and timber-harvest plans for certain publicly funded fuel-reduction projects; AB 687 drew some opposition over scope and enforceability concerns but was still advanced. The committee also moved AB 652, allowing alternate members on the San Diego County Air Pollution Control District board to prevent quorum problems, and AB 317, a first-time homebuyer housing bill that would exempt certain small, lower-cost homes from CEQA and defer some property taxes; AB 317 prompted discussion about guardrails to avoid unintended use on larger subdivisions. Finally, AB 900, requiring the Natural Resources Agency to develop a stewardship plan for 30-by-30 lands, was heard with broad support from land trusts and conservation groups and advanced on a due-pass recommendation, and AB 738, a wildfire-rebuild bill easing solar requirements for certain disaster survivors, was introduced and discussed with questions about its narrow scope and the number of homes affected.
NM
New Mexico 2026 Regular Session
House - Energy, Environment and Natural Resources Jan 27th, 2026 at 08:32 am
House Energy, Environment & Natural Resources
Transcript Highlights:
- They don't consume or combust any fossil fuels. There is no fuel use.
- They don't consume or combust any fossil fuels. There is no fuel use.
- A new tax on renewables will be passed on to consumers.
- So when we talk about suffering, we also need to understand, Who consumes energy.
- The taxes that we could levy on the consumer, it is just, it's not apples to apples.
MN
Minnesota 2025 1st Special Session
Committee on Energy, Utilities, Environment and Climate - 03/12/25
Energy, Utilities, Environment, and Climate
Transcript Highlights:
- Data is widely used and consumed by everyone in our nation, and the growth of data centers is something
- uh by everyone uh in used and consumed uh by everyone uh in our<00:12:03.600>
in <00:12:03.720 - It protects our schools, community, and economy while maintaining environmental responsibility.
- It protects our schools, community, and economy while maintaining environmental responsibility.
- It protects our schools, community, and economy while maintaining environmental responsibility.
CA
California 2025-2026 Regular Session
Assembly Floor Session Apr 21st, 2025
California House Floor Meeting
Transcript Highlights:
- AB 637 Flora from the Privacy and Consumer Protection Committee to the Insurance Committee.
- consumers from unreasonable and unjustified rate increases.
- There's a reason why we protect the rights of minorities.
- This bill is a common sense consumer protection measure that adopts local rules for the regulation of
- To ensure that these vital financial products remain available while protecting consumers, this bill