Video & Transcript Research : 'consumer lending'

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MN

Minnesota 2025-2026 Regular Session

House Energy Finance and Policy Committee 3/10/26

Energy Finance and Policy

Transcript Highlights:
  • <00:16:20.240> Utilities foremost to protect consumers.
  • Utilities foremost to protect consumers.
  • The regulatory compact has consistently delivered good service for consumers.
  • <00:35:40.880> um guiding principle and that consumers um guiding principle and that consumers
  • We are a 501(c)(3) nonprofit consumer advocacy group.
Summary: The committee approved the March 5, 2026 minutes and then took up House File 3458, as amended, which would exempt tribes from utility exclusive rights and assigned service areas. The bill’s author and the Upper Sioux community chairman said the measure was prompted by a dispute over a solar project at the tribal casino and argued the issue is really about tribal sovereignty, not solar, citing tribal civil regulatory authority and prior court cases. The amendment A1 was adopted before testimony. Testimony was split. Chairman Kevin Jensel of the Upper Sioux community strongly supported the bill, saying the tribe should not be forced to follow utility service territories and that the state should correct a long-standing omission in law. Derek Mo of the Minnesota Rural Electric Association opposed the bill, warning it would undermine the regulatory compact, reliability, long-term planning, and financing for electric service, especially in tribal areas. Justin Johns of East Central Energy also opposed the bill, but emphasized that many cooperatives have productive tribal partnerships and said his co-op has worked successfully with the Mille Lacs Band on solar, resilience, and workforce efforts; he cautioned that removing service obligations could leave difficult-to-serve areas underinvested. Members discussed whether the Public Utilities Commission process already underway should be allowed to resolve the dispute and whether the bill’s scope could extend beyond the current solar issue. The chair responded that the bill was a legislative approach to a problem that had not been resolved and said the amendment addressed concerns about removing the obligation to serve. A roll call was requested, and the committee voted to re-refer House File 3458, as amended, to the General Register.
MN

Minnesota 2025-2026 Regular Session

House Health Finance and Policy Committee 3/2/26

Health Finance and Policy

Transcript Highlights:
  • I also serve on the advisory council of the Private Equity Stakeholder Project, a consumer watchdog and
  • I direct the public policy program for the National Consumer Voice for Quality Long-Term Care.
Bills: HF3668, HF2779, HF2771
Summary: The House Finance and Policy Committee met on March 2 with a quorum present and heard House File 3668, which would create a state Office of Gun Violence Prevention. The bill author argued the office would treat gun violence as a public health crisis, improve research and coordination, and help reduce deaths and trauma, especially among children. Several supporters testified, including representatives from the Minnesota Medical Association, Protect Minnesota, family medicine, public health, and obstetrics/gynecology, all emphasizing firearm injury and suicide as major public health problems and urging a coordinated, data-driven response. Multiple testifiers shared personal accounts of shootings and their effects on children and families, including the Annunciation shooting, and said the office could help align prevention efforts across health care, law enforcement, and community organizations. Opposition came from the Minnesota Gun Owners Caucus, which argued the bill would create a permanent taxpayer-funded bureaucracy that could be used to shape firearm policy and restrict a constitutional right. The group said Minnesota should focus instead on enforcing existing laws, prosecuting violent offenders, and providing direct victim services. During committee discussion, Vice Chair Nadeau offered an A2 amendment to move the proposed office from the Department of Health to the Department of Public Safety, citing data-sharing, accountability, and examples from other cities and states; after discussion with the bill author, he withdrew the amendment. Chair Becker then noted existing state and local spending on violence prevention and public safety programs and raised concerns about duplication of effort.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Thu Feb 12, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • We are convening the Committee on Consumer Protection and Commerce.
  • coming at the cost of Hawaii consumers coming at the cost of Hawaii consumers and<00:10:53.160><
  • The presence of signage doesn't take away from any other remedies the consumer might have from the consumer
  • consumer might have from the consumer consumer might have from the consumer protection<00:14:26.720
  • and members of the Committee on Consumer and members of the Committee on Consumer Protection<00:
Summary: The committee heard testimony on HB 2614, which would require merchants selling cosmetics to accept returns of newer unopened goods within specified time frames and expand signage requirements for return and refund policies. DCCA’s Office of Consumer Protection strongly supported the bill, citing updated figures of 180 cosmetic complaints from 2020 to 2025, 54 still under investigation, 148 referred to class action litigation, and more than $1.3 million in consumer losses. Members questioned whether the bill was needed given the pending lawsuit and whether bad actors would comply, while the office responded that clearer signage would improve consumer awareness and could reduce complaints without limiting other remedies. No vote was taken. The committee then heard HB 1660 HD1, which would allow counties to require contractors to disclose wage, benefit, hour, and employment-status information and to deny, revoke, or suspend permits for certain labor-law violations. DLIR, the Hawaii Regional Council of Carpenters, Operating Engineers Local 3, and Pacific Resource Partnership testified in support, arguing the measure would help deter cheating contractors, protect law-abiding employers, and keep bad actors from undercutting wages and taxes. One member raised concerns about possible delays to affordable housing projects and whether owners should be held responsible for contractors’ misconduct; supporters replied that compliance is a minimum standard, that county action would be discretionary rather than automatic, and that the bill would not bar counties from working with affordable housing developers. No action was reported. Finally, the committee took up HB 1704, adopting the Psychology Interjurisdictional Compact to allow telepsychology and temporary in-person practice across state lines. The Department of Corrections and Rehabilitation, the State Health Planning and Development Agency, the Hawaii State Association of Counties, and the Hawaii Association of Health Plans supported the measure, saying it would help fill major staffing gaps, especially for forensic evaluations and services in rural and neighbor-island communities. The Board of Psychology raised concerns about the compact’s scope, the need for a study focused specifically on psychologists, background-check requirements, possible loss of regulatory authority and revenue, and the need to update older statutory provisions. Hawaii Association for Justice opposed the immunity language in the compact, and Shawn Scanlon opposed the bill, arguing it could weaken cultural responsiveness and local control and suggesting the state instead improve temporary licensing and other in-state pathways. The committee also questioned the Department of Corrections about its vacancies and whether telehealth could be filled by local providers; no vote was taken in the excerpt.
FL

Florida 2026 Regular Session

Finance and Tax Feb 12th, 2026

Finance and Tax

Transcript Highlights:
  • The second tax is levied when the electricity is instantaneously transferred to the consumer from the
  • sold to an owner or operator of an EV charging station and then transferred instantaneously to a consumer
Summary: The Committee on Finance and Tax met with a quorum present and heard several bills, most of them focused on tax policy and property-related exemptions. CS/SB 118 clarified how non-ad valorem special assessments apply to recreational vehicle parks, and an amendment removed a requirement that local governments consider RV park occupancy rates when apportioning assessments. The bill was supported by a Florida Retail Federation representative and was reported favorably. The committee also reported favorably on SB 1520, which modifies Live Local Act property tax exemption provisions by extending the vesting period for the missing middle exemption and expanding the data used for local government opt-outs; SB 678, which reestablishes the framework allowing distributors to deduct unsellable alcohol from monthly excise tax; and CS/SB 680, which creates a sales tax exemption to address double taxation on electricity used at EV charging stations. Each of these bills had support from industry or trade groups, and CS/SB 680 drew comments from Senator Gaetz praising the bill as a solution to prior tax collection confusion. The committee then approved CS/SB 450, which updates property tax exemption rules for surviving spouses of permanently and totally disabled veterans by allowing transfer of a larger portion of the exemption to a new homestead; an amendment raised the transferable amount to up to 120% of the prior exemption. The final bill, CS/SB 1074, was amended to establish uniform rules for rounding cash transactions to the nearest nickel in light of the Federal Reserve’s suspension of penny distribution, while preserving tax calculations and providing liability protections; it also included safeguards for pawn and recycling transactions. All bills considered were reported favorably, Senator Gaetz asked to be recorded as voting yes on all bills, and the committee adjourned without objection.
OK
Transcript Highlights:
  • I'm also concerned about the impact on consumers.
  • question we have is whether raising what carriers have to pay would cause premiums to increase for consumers
  • You're saying maybe it would affect the consumers, but as far as the individuals seeking optometry care
  • is this a consumer advocate that is Medicaid Medicare?
  • , because they're not a patient when they consume their insurance; they're a consumer at that point,
NM

New Mexico 2026 Regular Session

House - Judiciary Feb 4th, 2026 at 06:03 pm

House Judiciary

Transcript Highlights:
  • In Section 14, we. remove reference to the consumer advocate.
  • Within their PRC, this was intended to fill the gaps advocacy gaps for consumers and residential. customers
  • But we have taken that out and next year I might bring back another bill dealing with consumer protection
AZ

Arizona 2026 Regular Session

02/04/2026 - House Judiciary

Judiciary

Transcript Highlights:
  • It has been traditionally used for fatigue and pain relief and is usually consumed in tea.
  • Due to the lack of regulation, consumers do not know the potential effects of ingesting kratom products
  • They look similar to what you would see in other products that you could consume like energy drinks and
  • We represent consumers and responsible trade.
  • I do not believe that this is going to be able to make... ...decisions on what they're consuming.
Summary: The committee first heard HB 2415, which would tighten Arizona’s regulation of kratom by treating synthetic or highly concentrated 7-OH products as narcotic drugs, raising the legal sale age to 21, and imposing criminal penalties for prohibited sales or preparation. Supporters, including the sponsor, a recovering user, the American Kratom Association, and the Attorney General’s Office, argued the bill targets dangerous synthetic products while preserving natural kratom leaf products. Opponents, including the Arizona Attorneys for Criminal Justice, warned the amendment could sweep in users and create harsh felony penalties for possession. The committee adopted the Wynn amendment and then gave HB 2415 as amended a 6-3 do-pass recommendation. The committee then considered HB 2870, which would bar multiple Level 2 or Level 3 registered sex offenders from living together in the same residence unless they are related by blood, marriage, or adoption. The sponsor and neighborhood witnesses described a local home with six or seven offenders and said the arrangement frightened nearby families and children. Opponents argued the bill would destabilize housing for people on probation, increase homelessness, and interfere with supervision and rehabilitation; some also noted existing probation oversight and low sexual recidivism rates. After debate over whether the bill should instead target only certain housing settings, the committee voted 5-4 to give HB 2870 a do-pass recommendation. Next, HB 2413 was heard, requiring GPS or electronic monitoring for registered sex offenders who do not have a fixed address until one is established. Supporters said the bill would close a gap for homeless or transient registrants who otherwise report only every 90 days, while opponents raised due process, cost, and implementation concerns, noting that some offenders are already monitored through probation and that DPS does not itself supervise offenders. The committee passed HB 2413 on a 5-4 vote. The committee also heard HB 2720, which increases the penalty for purchasing prostitution to a class 6 felony and directs a $200 assessment to the anti-human trafficking fund. Supporters said it targets buyers and helps deter trafficking demand; opponents argued the bill could still ensnare trafficking victims and sex workers. The committee adopted a Bliss amendment clarifying the affirmative defense and use of funds, then approved HB 2720 as amended by an 8-0 vote with one member present. Finally, HB 2418, appropriating $600,000 from the General Fund to the Arizona Criminal Justice Commission for five major incident division task forces, was supported by county sheriffs’ representatives and passed unanimously by the committee.
NM

New Mexico 2026 Regular Session

Senate - Conservation Jan 31st, 2026 at 09:07 am

Senate Conservation

Transcript Highlights:
  • Little Green Bucket, a small business in Albuquerque, which also serves Santa Fe, and I am a consumer
  • If it's a response to a consumer complaint, it might be a specific distribution center.
  • And so I'm assuming that that cost can be absorbed by the consumer that comes in there.
  • And so I'm assuming that cause can be absorbed by the consumer that comes in there.
  • I just don't want to go overzealous here in a way that's going to affect the consumer negatively.
Bills: SB47, SB110, SB122, SB143, SB168
TX

Texas 89th Regular

Intergovernmental Affairs Apr 1st, 2025

Intergovernmental Affairs

Transcript Highlights:
  • It would be a time-consuming process, really.
  • Y'all actually send out the bills to all of the consumers?
  • It is a consumer notice that the state promulgates; it's a state promulgated form.
  • It's a two-and-a-half-page consumer disclosure.
  • I can go through the whole lending provisions. I'm happy to talk to you.
TX

Texas 89th Regular

Business and Commerce May 20th, 2025

Business & Commerce

Transcript Highlights:
  • This statute allowed the PUC to represent Texas and its electric consumers in matters before entities
  • In the interest of increasing efficiency and enhancing consumer protection, ensuring consumers throughout
  • Consumer protections like the three-day right to cancel are crucial for consumers, including older adults
  • If HB 3466 becomes law, consumers who enter into a service contract with one of the 500-plus exempted
  • If HB 3466 becomes law, consumers who enter into a service contract with one of the 500-plus exempted
Summary: The committee took up several pending business items and reported a series of House bills out of committee, including HB 2467, HB 2468, HB 2518, HB 4310, HB 4386, HB 4490, HB 5323, and HB 149. Most of these were advanced on committee substitute motions and sent to the local and uncontested calendar or reported favorably to the full Senate. HB 2467 drew one nay vote, while the others were approved without opposition. HB 4310 and HB 4386 were described as committee-substitute versions with changes narrowing disclosure requirements and preserving attorney-client privilege in certain circumstances. A major portion of the meeting focused on HB 149, an AI governance bill. The substitute was explained as addressing biometric identifier capture and storage, exempting certain AI uses for security and fraud prevention, clarifying definitions, restricting AI systems that simulate explicit child sexual content, adjusting Attorney General investigative authority, refining sandbox program waivers, reducing Texas AI Council powers and membership, and adding DIR coordination provisions. The committee adopted the substitute and reported the bill favorably. The committee then heard extensive testimony on HB 1500, the DIR sunset bill. The author said the bill would continue DIR for 12 years, restructure its board, update advisory committees, require regular cybersecurity assessments and penetration testing for state agencies, improve IT procurement training, and transfer the e-grants program to the Comptroller. A Texas 2036 witness supported the bill as a way to strengthen governance, procurement, and cybersecurity. Members asked detailed questions about the bill’s structure and then left HB 1500 pending. The committee also heard a lengthy presentation on HB 150, which would create the Texas Cyber Command as a component of the University of Texas System, administratively attached to UTSA and located in San Antonio. The author argued the command would centralize cyber threat intelligence, incident response, and digital forensics, and would be able to support state and local entities, with optional services for local governments. Members raised concerns about university mission drift, governance, security, chain of command, procurement authority, gifts and donations, and civil liberties implications of proactive cyber monitoring. Witnesses from UTSA/NSCC and SecurityScorecard testified in support, emphasizing the security of the downtown San Antonio facility, the existing cyber ecosystem there, and the need for a dedicated cyber capability. The bill remained under discussion with no final committee action announced in the excerpt.
TX

Texas 89th Regular

Insurance Apr 30th, 2025

Insurance

Transcript Highlights:
  • Some of your members are requiring consumers when they purchase...
  • She's the consumer reporter at NBC-DFW who brought this issue forward.
  • We get questions often from consumers about how to shop the market.
  • And I think they'd be missing out on one heck of a consumer opportunity.
  • Okay, we support the legislation on consumer bill.
TX

Texas 89th Regular

Public Health Mar 31st, 2025

Public Health

Transcript Highlights:
  • It doesn't tell the consumer; it's up to the consumer.
  • It's direct to consumer.
  • This is a direct-to-consumer sale.
  • Coordinators are agents for the consumers. So the consumer says, "I want you, Ms.
  • I want informed consumers. I just get tired of government insulting the intelligence of consumers.
OK
Transcript Highlights:
  • not be liable for any incidental illness due to the consumption of raw, unpasteurized milk by a consumer
  • producer, but does a producer, is there going to be some kind of signage or anything so that the consumer
  • Is there going to be some kind of signage or anything so that the consumer knows up front the producer
  • How is the consumer going to know that the producer is not liable so we can protect our producers?
  • This helps improve animal welfare, helps deter unlicensed breeding, and lets consumers verify breeding
TX

Texas 89th Regular

Trade, Workforce & Economic Development Mar 19th, 2025

Trade, Workforce & Economic Development

Transcript Highlights:
  • And we have always aimed to reach people where they want to consume us, a lot of which is on our phones
  • The tax bill does not require anyone to buy a CDW, it simply ensures consumers... have a choice.
  • And subject to action by the Consumer Protection Division of the AG's office under several sections here
FL

Florida 2026 Regular Session

Appropriations Feb 18th, 2026

Appropriations

Transcript Highlights:
  • At the Department of Agriculture and Consumer Services, we have over $100 million for the Florida Forest
  • , vulnerable adults, and consumers.
  • , vulnerable adults, and consumers.
  • , vulnerable adults, and consumers.
  • This bill also creates due consumer protections.
Summary: The committee heard presentations on the Senate’s proposed 2026-2027 budget, SPB 2500, with chairs outlining major spending in K-12 education, higher education, health and human services, criminal and civil justice, transportation/tourism/economic development, and agriculture/environment/general government. Highlights included a $115 billion overall budget, pay raises for state employees and public safety workers, major K-12 funding increases and enrollment supplements, higher education workforce and nursing investments, expanded Medicaid/KidCare and behavioral health funding, corrections and law enforcement operational funding, transportation and housing investments, and significant environmental and water quality spending. Members asked about civic education funding, declining enrollment, professor retention, APD waiver waitlists, cultural grant allocations, and other line items. Public testimony also addressed HIV/AIDS drug assistance funding and prison air conditioning. SPB 2500 was adopted as a committee bill after amendment consideration and a roll call vote. The committee then took up implementing and related budget bills, including SPB 2502 (implementing the General Appropriations Act), SPB 2504 (state employee bargaining placeholder), SB 7028 (Florida Retirement System contribution rates and related retirement changes), SPB 2506 (fuel tax distributions), SPB 2508 (state agency law enforcement radio system surcharge), SPB 2510 (termination of an unused court trust fund), SPB 2512 (new judgeships), SPB 2514 (K-12 conforming changes), SPB 2516 (higher education conforming changes), and SPB 2518 (health conforming changes). Most were explained as technical or conforming measures tied to the budget, and all were reported favorably as committee bills, with SB 7028 amended to direct a portion of increased contributions to disability and line-of-duty death benefits in the FRS investment plan. The committee also heard and passed several member bills, including CS for SB 1074 on rounding rules for cash transactions in a world without pennies, CS for SB 678 restoring the alcohol loss deduction framework for distributors, and SB 964 on firefighter cancer benefits and prevention. SB 964 drew the most discussion, with questions about the one-year death-benefit window, the separate $25,000 cancer diagnosis payment, and whether the bill could create gaps in coverage for firefighters diagnosed or dying just outside the new time limits. Firefighter representatives testified in support, saying the bill would provide clearer protections for members and families. All of these measures were reported favorably.
TX
Transcript Highlights:
  • We don't have an understanding of what we're putting out to our consumers.
  • It could potentially cause an issue with the consumers. We've had issues.
  • To you guys, because it's about public safety here, the consumer going to decide this, truthfully.
  • We're going to get it from you, the consumer, the patient.
  • I'm speaking today on behalf of 2.5 million members in Texas, consumers and patients.