Transcript Highlights:

• I serve as the chair of the International Bank and Federation Scam and Fraud Working Group, but I also
• We have to stop these scammers from building this trust with consumers in the first place.
• And their own internal documents say Meta is not— ...take more proactive action.
• And their own internal documents say Meta is not going to act unless regulators or others force them
• We enforce the Arkansas Insurance Fraud Act and the Arkansas Criminal Code.

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.

Transcript Highlights:

• The largest source of California sales taxes is collected by restaurants, car dealers, building supply
• That bill required to recognize the merchant category code that was newly created for gun merchants.
• We’re eager to support new bankers to build their knowledge of Bank On through CalAccount.
• So it is building on those models that we have seen succeed.
• So, having a place for people to start to build that credit.

Keywords: 988, house, all

Transcript Highlights:

• Code 3, 8, 4, 3, 0, 2, You're recognized to explain that. Delete all. Thank you, Mr.
• You're recognized to explain the delete All Amendment bar code 9, 1, 8, 4, 0, 0, Thank you, chair. >>
• Amendment bar code 2, 8, 1, 2, 4, 6, Senator Collins. You're recognized to explain that amendment.
• Bar Code 4, 7, 9, 5, 4, 2, >> Thank you very much. Mister Chair.
• I intern at the National Aeronautics and Space Administration.

Keywords: 999, senate, all

Transcript Highlights:

• I actually was there at the redead or dedication of that building.
• We are building a wonderful new facility in Pfluger.
• Thank you. beautiful building. Yes. Members any other questions? Mr. Vassute.
• old general land office building when the original camp master plan.
• For the capital when they were building this called for that building to be removed and so one of the

Keywords: 1184, house, all

Transcript Highlights:

• amendment reflects as well, the appropriate code section.
• amendment reflects as well, is the appropriate code section.
• § 61-7-4(e) of this code.
• It's in the code section itself: 61-7-7, subparagraph C, new subdivision 5.
• § 61-7-4(e) of this code.

Keywords: 994, senate, all

Summary: The committee considered and advanced several bills. House Bill 4995, concerning video cameras in special education classrooms, was explained as requiring parents to be notified of recording interruptions, providing written notice of the law to parents and school employees, shortening the required random review of recordings from every 90 days to every 30 days, and clarifying that school boards must still conduct independent investigations even if DHS or prosecutors do not act. The committee adopted the motion to report the bill to the full Senate. House Bill 5214, dealing with drug testing in child abuse and neglect cases, would allow courts to order testing of parents in certain cases, require laboratory confirmation of positives, and require DHS to notify the court and other parties; the committee adopted the strike-and-insert amendment, then reported the bill as amended and adopted a title amendment. The committee also advanced House Bill 4025 and House Bill 5441, both restructuring state personnel systems. HB 4025 would exempt employees of the Department of Health, health facilities, and human services from classified civil service and grievance procedures beginning July 1, 2026, while preserving status for some current employees and allowing exemptions to comply with federal requirements; the committee adopted a piecemeal amendment and reported it as amended. HB 5441 would eliminate separate civil service systems for Transportation, Revenue, and the Bureau for Social Services and move classifications and compensation structures to the Division of Personnel, with testimony from the governor’s counsel emphasizing faster hiring and more flexibility; the committee adopted the strike-and-insert amendment and reported the bill as amended. House Bill 4602, a child welfare pilot program creating a private community-based system for post-removal services, drew testimony from DHS about concerns over costs, continuity, oversight, and child well-being outcomes, while supporters argued it could reduce caseloads and improve flexibility. The chair amended the bill to remove one of the two pilot regions, leaving only the Berkeley/Jefferson County pilot, and the committee then reported the bill as amended despite opposition from the senator from Marion. House Bill 4106, removing the provisional concealed handgun license requirement for ages 18 to 21, heard testimony from a pediatrician opposing the change and from a gun rights advocate supporting it; an amendment requiring firearms training for under-21 carriers failed by a 1-14 roll call, and the committee then reported the bill as amended. Finally, House Bill 4198, after a subcommittee rewrite, was advanced with a strike-and-insert amendment that refined E-Verify requirements for public and private employers, added exemptions for certain small or new employers and sole proprietors, clarified recordkeeping and notice requirements, and adjusted penalties and enforcement procedures. After a motion for the previous question, the committee adopted the amendment and reported HB 4198 as amended. House Bill 5319 was removed from the agenda, and the committee adjourned.

Transcript Highlights:

• Bill 2112 suggests improvements to the Massachusetts regulations and associated building codes.
• Bill 2112 suggests improvements to the Massachusetts regulations and associated building codes that will
• codes.
• I just want to emphasize again that the investment that the building trades, Massachusetts building trades
• not touched upon in the building code.

Keywords: 995, all

Summary: The joint committee held a public hearing on several bills covering state administration, land/public housing redevelopment, construction safety, memorialization, records management, rural grant equity, and animal research. Testimony in support of H. 3329 described an inequity in the Governor’s Council reimbursement statute, which currently cuts off travel, meals, and lodging reimbursement after four terms; the witnesses argued this disproportionately burdens members from western Massachusetts and creates geographic and economic barriers to service. The Boston Housing Authority supported legislation for the Brighton/Faneuil Gardens area, saying it would allow a mixed-use redevelopment that replaces all existing public housing units one-for-one, adds new affordable housing, creates replacement rehearsal space for displaced musicians, and preserves prevailing wage standards. A major portion of the hearing focused on S. 2112, a construction safety bill. Suffolk Construction, Boston building trade representatives, and local inspectors testified that the measure would strengthen training, site safety standards, oversight of high-risk work, and enforcement, while helping protect workers and the public and improving retention and recruitment of inspectors. Witnesses said the bill would align Massachusetts more closely with higher safety standards in other states and build on lessons from past construction-related incidents. The committee also heard support for S. 2162, which would create a COVID-19 memorial; the witness emphasized the scale of pandemic deaths in Massachusetts and the educational value of public memorials. Other testimony addressed H. 3321, which would modernize records preservation for registers of deeds by reducing reliance on costly microfilm in an increasingly electronic system; the witness said current law is outdated and expensive. H. 3311, aimed at advancing equity for rural communities receiving state grants, drew support from town officials in Leyden and Ashfield, who said small towns lack staff for grant writing and should be evaluated more on need and regional impact, especially for climate and public safety projects. Finally, S. 2117, concerning animal research, was supported by an animal welfare advocate who urged prohibiting state funds for animal experiments and shifting to non-animal research methods. After the hearing concluded, the chairs noted that additional hearings and polling votes would follow, and the committee then adjourned.

Transcript Highlights:

• We might have defined something to match the Internal Revenue Code right now.
• We could redefine it to match what the Internal Revenue Code said on a different day.
• Especially in coding.
• They want to help a certain thing through the tax code, a certain activity.
• They just picked the wrong code.

Keywords: 996, all

Transcript Highlights:

• I'm the one that got him in the new building.
• But I didn't see, like, you know, let's build our own response team. Let's build.
• Second is our code enforcement.
• Second is our code enforcement.
• We have our Albuquerque building.

Keywords: 996, all

Transcript Highlights:

• , Human Resources Code, and what we know to be- sound correctional practices.
• So for example, we have two counties right now that are looking at building.
• It is a ground-up build. They have to start from scratch.
• So with these two new builds, we're looking at 104 beds each.
• For us, I'm confident in what we're building out as our mom.

Keywords: 1184, house, all

Transcript Highlights:

• Airport, Orlando International Airport, Fort Lauderdale International Airport, and Tampa International
• Airport, Orlando International Airport, Fort Lauderdale International Airport, and Tampa International
• Airport, Orlando International Airport, Fort Lauderdale International Airport, and Tampa International
• So for those who may not be familiar with Orlando International, we really have two main terminal buildings
• So for those who may not be familiar with Orly International, we really have two main terminal buildings

Summary: The Transportation Committee met to consider two bills and then held a lengthy discussion on Florida airport infrastructure. SB 246, presented by Senator Rodriguez on behalf of Senator Gruters, would authorize a UFC specialty license plate, with proceeds supporting the UFC Foundation’s charitable work. A UFC Foundation representative described community beneficiaries and said the plate would help raise funds for local charities. With no questions or debate, the committee voted SB 246 favorably. The committee also took up SPB 7012, a Department of Highway Safety and Motor Vehicles public-records exemption bill that would remove the October 1, 2026 repeal date for certain active investigatory records. Senator Avila moved to submit it as a committee bill, there was no objection, and it was reported favorably as a committee bill. The remainder of the meeting focused on the Comprehensive Airport Infrastructure Program. FDOT Secretary Jared Perdue outlined Florida’s aviation system, the department’s airport funding programs, and the state’s role as a financial partner in safety, capacity, preservation, and economic development projects. He said Florida has 128 public-use airports, 21 commercial-service airports, and four large-hub airports, and noted that airport funding is largely supported by gas-tax-related revenues, with additional support from documentary stamp revenue and other fees. He also discussed the new airport infrastructure planning requirements created last session and said all required airports had submitted plans. Committee members asked about the loss of aviation fuel tax revenue, workforce development, project timelines, and how FDOT prioritizes funding, with Perdue emphasizing safety, preservation, capacity, economic return, and matching funds. A panel from Miami, Orlando, Fort Lauderdale, and Tampa international airports then described major capital programs, passenger growth, and funding needs. The airports highlighted terminal expansions, parking, baggage systems, airfield rehabilitation, people movers, and other modernization projects, along with the importance of maintaining aging facilities while accommodating growth. They said FDOT and FAA grants are helpful but increasingly insufficient for runway and taxiway costs, and several panelists said passenger facility charges and other revenue tools are important to future self-sufficiency. Members also asked about workforce shortages, small-business participation, landing-fee negotiations, and non-aeronautical revenue. The panel said workforce challenges are most acute in trades and maintenance, small-business programs are active at each airport, and landing fees are negotiated with airlines to keep airports competitive while funding needed improvements.

Transcript Highlights:

• So the only odd thing about the area in my ZIP code: there are four Duane Quams.
• > has<00:15:27.720> led lack of internal control is what has led lack of internal control
• If it did not work, she said, the answer is better internal controls.
• He said you do not inspect quality in; you build it into the process.
• The next thing are our performance audits, which are internal control and compliance audits.

Keywords: 1183, house

Summary: The committee met on February 11 and began with introductions from members and staff, who shared brief personal and district facts. Chair Jim Nash then outlined the committee’s goals for the session, emphasizing bipartisan cooperation, the need to address a looming structural deficit, and the committee’s role in moving legislation forward. The committee also reviewed its rules for the year. The main item was House File 3, authored by Chair Nash and referred to Ways and Means. The bill would require the Office of the Legislative Auditor to produce an annual report tracking whether agencies have implemented prior audit and evaluation recommendations, with the goal of improving internal controls, transparency, and accountability and helping legislators make funding decisions. Nash described the bill as a preventative measure to reduce waste, fraud, and abuse, and said it was modeled in part on practices used in Colorado. Legislative Auditor Judy Randall testified that the office already produces similar update reports but lacks resources to independently verify many agency responses; she said the bill would provide a framework for more regular reporting and discussion, not a “shame tool.” Ranna Lee of Americans for Prosperity testified in support, saying the bill would increase accountability and transparency for how public agencies manage taxpayer resources. A letter from the Minnesota Council on Nonprofits was also noted in support. Representative Clardy offered the A7 amendment to add an appropriation matching the fiscal note; Nash accepted it, saying savings could be found later in the process. The committee approved the A7 amendment by voice vote. During discussion, Representative Quam supported the bill’s focus on accountability, and Representative Freiberg questioned the Legislative Auditor about the office’s expertise on a specific ambulance-services recommendation in the report. Randall responded that the office’s staff are policy research generalists who use standards, best practices, interviews, surveys, and site visits to develop recommendations, and that the goal is to prompt further discussion rather than require blind acceptance. The transcript ends during that exchange, with no final committee vote on House File 3 shown.

Transcript Highlights:

• stage collaborating with international stage collaborating with international stage collaborating with
• uh to further provide for the the code uh to further provide for the the code uh to further provide
• code language the current existing code code language the current existing code code language the current
• fees to establish the academy building fees to establish the academy building fees to establish the
• of Alabama 1975 oh that 1520a d44 code of Alabama 1975 oh that 1520a d44 code of Alabama 1975 oh that

Keywords: 1136, house, all

Transcript Highlights:

• eventually started tracking building eventually started tracking building permits<00:19:13.840><
• We're focusing now on the building We're focusing now on the building permits,<00:19:27.480>
• international international visitation.<00:24:21.520> We<00:24:21.680> have<00:24:21.960
• We haven't added build around that.
• I think that it's just difficult to<01:52:15.640> build to build to build and<01:52:16.920>

Keywords: 910, house, all

Transcript Highlights:

• the, uh, zip code of the patient. the, uh, zip code of the patient.
• <00:09:24.000> with constituency, I've got zip codes with constituency, I've got zip codes
• Uh I can represent to you building.
• They know the codes.
• <03:05:28.000> These meet our internal standards. These meet our internal standards.

Keywords: 1191, senate, all

Transcript Highlights:

• The amendment is coded A22.
• <01:45:01.520> our build the system, how to build our build the system, how to build our streets
• We're building roads. We're building roads better.
• We're building roads. We're building roads better.
• build our roads, the workers that build build our roads, the workers that build our roads.<02:10

Keywords: 1183, house

Transcript Highlights:

• , like, our insurance code.
• <00:46:07.520> Can internal like our insurance code.
• Can internal like our insurance code.
• 01:12:05.920> between one, transparency builds trust between one, transparency builds trust between
• Is that something internally on that.

Keywords: 910, house, all

Summary: The joint hearing opened with House Bill 1969, which would provide state funding for colorectal cancer screenings for uninsured and underinsured residents. The Department of Human Services said it supports the goal of early screening but would need new administrative capacity, including a program manager and claim pre-screening, to run the program. The Department of Health supported the measure and cited low screening rates in Hawaii, noting an educational campaign to encourage screening. The Insurance Division raised concerns about reliance on federal FAQs, warning that guidance can change and may create state cost exposure. Supporters including the American Cancer Society Cancer Action Network and the Hawaii Medical Association argued the bill would close a preventive-care gap, reduce late-stage diagnoses, and save long-term costs; the committee also discussed implementation costs, estimated by DHS at roughly $1.4 million to $2 million annually plus administrative expenses, and a 6-month to 1-year timeline to establish the program. The committee then took up House Bill 1965, which would require health carriers to spend at least 6% of total medical expenditures on primary care providers. The Insurance Division said several provisions raise technical and legal concerns, including the premium freeze, the medical loss ratio language, the lack of an existing external review process for downcoding claims, and a new mandate for medically necessary inter-island transportation that could trigger an ACA defrayal. The Department of Human Services supported the intent but suggested broader language to include primary care supports and services, and noted that QUEST integration plans already invested at least 9% of total medical expenditures in primary care in 2024, with additional spending on supports and low-value care reductions. State health planning officials strongly supported the bill as an investment in primary care, saying it could improve outcomes and lower long-term costs, though they acknowledged a possible temporary premium increase during the transition. Testimony in support emphasized Hawaii’s physician shortage, especially on Maui, the Big Island, and other neighbor islands, and warned that clinics are under financial strain and may close without higher primary care reimbursement. The Hawaii Healthcare Task Force, AARP Hawaii, and other supporters said the bill would help retain providers, improve access for Medicare and Medicaid patients, and prevent downstream costs from emergency room use and avoidable hospitalizations. No votes or final committee action were taken in the portion of the hearing provided.

Transcript Highlights:

• Some of the adobe structures and building a new entranceway.
• This is a lot of acreage, these are a lot of buildings, and I, the last one I just came from was 13 buildings
• Right next to this building is another small building.
• And that's contained in some special parts of the Internal Revenue Act. new code, sections 103 and 141
• They're used to build hospital wings or buy specialized equipment.

Transcript Highlights:

• Uh, builds um pilot program mandating the builds um pilot program mandating the county<01:43:40.719><
• The names of these state buildings, our buildings, our names should never be for sale.
• The names of these state buildings, our buildings, our names should never be for sale.
• The names of these state buildings, our buildings, our names should never be for sale.
• adding to build these buildings and adding to build these buildings and adding doubling<05:15

Keywords: 910, house, all

Transcript Highlights:

• It’s health information technology; it’s medical coding and stuff.
• And I had one board member ask me, ‘You know, we don’t want to build new or keep adding buildings.
• So that building opened fall of '99.
• So we're not talking about buildings.
• And that happens... ...on Century Code 15-10.1.

Keywords: 908, all

Transcript Highlights:

• Coding and stuff, so that makes sense.
• And I had one board member ask me, you know, we don’t want to build new or keep adding buildings.
• Keep adding buildings. We just need to maximize the use of existing buildings.
• So that building opened fall of '99.
• Non-administrative, so the academic buildings.

Summary: The committee met at North Dakota State College of Science for a presentation from President Flanagan and campus leaders on the college’s mission, enrollment growth, workforce programs, facilities needs, and industry partnerships. Flanagan highlighted student success in national competitions, strong placement and retention, the college’s strategic plan, and new or expanding programs such as aviation maintenance, fire science, dental hygiene, community health worker, surgical technology, HVAC/plumbing, and precision agriculture. He also described the need for a new dorm and a remodel of the library into academic and allied health space, including a simulation center, to address capacity limits and support growth. Several committee members asked about program demand, faculty recruitment, pay competitiveness, and how the college shifts resources from lower-demand programs to high-demand ones. Industry partner Jim Albright of Comdell testified that the college has been essential to the local manufacturing workforce and that many employees and interns come from NDSCS. A major topic was dual credit. Flanagan said dual credit is important but financially challenging, noting that only a small share of dual credit students ultimately matriculate to NDSCS and that the college’s dual credit model is close to break-even. He explained that many dual credit credits are general education rather than CTE, and that the college pays instructors, supports high schools, and absorbs indirect costs. Williston State College President Bernal Herning added that his institution loses money on the front end but has shifted toward helping students complete associate degrees before high school graduation because many go directly to work after high school. Committee members questioned how dual credit is delivered, how instructors are qualified, and whether students are truly doing college-level work. The committee then received a University System presentation from Jamie Wilkie on the cost of delivering dual credit statewide. Wilkie explained the methodology used to allocate direct and overhead costs and said the analysis shows dual credit is not profitable at several institutions once tuition, instructor payments, and overhead are included. Members asked how much of the cost is borne by students, families, and the state, and whether K-12 funding should also be considered. Discussion also covered the difference between subsidized and unsubsidized dual credit, payments to high school teachers or schools, and the possibility of waiving tuition in the future. No votes were taken, and the committee mainly gathered information for the ongoing dual credit cost study.