Video & Transcript Research : 'fraud detection'
Page 14 of 281
MN
Minnesota 2025-2026 Regular Session
House Fraud Prevention and State Agency Oversight Policy Committee 7/8/25
Fraud Prevention and State Agency Oversight Policy
Transcript Highlights:
- they are taking and instances when they have detected fraud.
- they are taking and instances when they have detected fraud.
- Detecting, preventing fraud, fighting fraud takes resources.
- Detecting, preventing fraud, fighting fraud takes resources.
- Detecting, preventing fraud, fighting fraud takes resources.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 4 on Climate Crisis, Resources, Energy, and Transportation May 13th, 2026
Transcript Highlights:
- But he's saying this... fraud detection controls in a particular area.
- If I can help, too, in terms of definition, we're not talking about fraud detection and detecting fraud
- It's fraud detection controls.
- So physical security, information security, fraud detection controls.
- So physical security, information security, fraud detection controls.
Summary:
The committee first heard a DMV budget presentation on the state-to-state verification system required for Real ID compliance and the Digital Experience Platform (DXP) modernization project. DMV officials said the state-to-state system is a pointer-based exchange used when a person applies for a license in another state, with only limited identifying data shared initially and the full driver history sent only after a qualified request. Members raised concerns about privacy, possible misuse by other states or federal actors, notification to Californians, hacking, and whether California could detect or stop abusive access. DMV said it can monitor requests, see patterns of access, work with AAMVA and legal counsel, and seek to block or challenge misuse; LAO said California is in a difficult position and should consider guardrails rather than opt out. On DXP, DMV said the project is on its revised schedule and budget, occupational licensing is complete, vehicle registration is expected by the end of calendar year 2026, and the full system should be finished by fiscal year 2028-29, with phased rollout and reappropriated funding to keep costs controlled.
The committee then heard from the California High-Speed Rail Office of Inspector General on a trailer bill and AB 1608. The Inspector General said current law does not clearly authorize public reports or establish a framework for retaining and disclosing work papers, and the proposed trailer bill would create that framework while also adding authority to hire needed classifications and purchase goods and services. He also said the office needs a clearer statutory definition of “proposed agreements” and notice when the High-Speed Rail Authority is reviewing them, so the office can review contracts and related agreements effectively. LAO raised no concerns with the trailer bill language, and Finance said any amendments would come in the May revision.
Members debated the scope of confidentiality in the Inspector General proposal, especially whether reports could be held confidential when they identify weaknesses in fraud controls, security, or other vulnerabilities. The Inspector General said confidentiality would be temporary, tied to articulating the risk, reassessing it every 120 days, and releasing the report once the risk is no longer substantial; he also said the office had already published reports at its discretion and had found at least one procurement violation involving an amendment that added services not in the original contract. Several members pressed for stronger transparency and suggested time limits or broader disclosure, while others argued the bill would improve oversight and make the Inspector General’s authority clearer. No votes were taken during the discussion, and the item was left for further work on the trailer bill and AB 1608 language.
MN
Minnesota 2025-2026 Regular Session
Saving Our Safety Net by Stabilizing HCMC / Serving Minnesota by Modernizing Human Services Systems Apr 24th, 2026
Minnesota Senate Floor Meeting
Transcript Highlights:
- My frustration is the kind of the fraud.
- You know, we're the kind of the fraud.
- , do we make sure we don't have the fraud, do we make sure we don't have the fraud, waste,<00:04:
- We we need it fraud, waste, and abuse.
- programs are are riddled with with fraud programs are are riddled with with fraud and<00:10:37.040
Summary:
The program focused on two major Senate efforts: emergency support for Hennepin County Medical Center (HCMC) and modernization of the state’s human services software systems. On HCMC, Senator Rich Draheim said the hospital is a critical level-one trauma center and a key part of Minnesota’s safety net, warning that its closure would overwhelm the rest of the system. He argued the state should prioritize stabilizing HCMC and other hospitals rather than expanding programs that he считает are not adequately fixed, and he opposed raising taxes such as Hennepin County’s sales tax to fund the hospital, saying property-tax and cost-of-living pressures are already too high.
The Senate’s Health and Human Services Supplemental Budget Bill includes a one-time $150 million appropriation to stabilize HCMC, with accountability and reporting requirements. The segment also noted DFL Senator Ann Rest’s bipartisan Senate File 4986, which would direct Hennepin County sales tax revenues to HCMC after certain county obligations are met. Draheim and others emphasized that HCMC’s finances are strained by uncompensated care and low reimbursement rates, and that rural and metro hospitals alike are under pressure.
The second half of the program highlighted Senate File 4719, sponsored by Senator Melissa Wicklund, to create a Human Services Systems Steering Committee. Wicklund said outdated, siloed Department of Human Services systems slow access to SNAP, medical assistance, and other basic-needs programs, create errors and inefficiencies, and make fraud harder to detect. She said the committee would bring counties, state agencies, and IT officials together to prioritize modernization. She also said the upgrades would be expensive, citing a child welfare system replacement estimated at nearly $80 million, but noted federal matching funds are available and that failing to modernize could lead to penalties. Wicklund also discussed a longer-term bill, Senate File 5020, to create an IT funding account and planning process for future system upgrades.
MN
Transcript Highlights:
- <00:09:19.360>
have <00:09:19.600>no fraud detection and that they have no fraud detection - If you go to their website, they will say they're the best at fraud detection.
- If you go to their website, they will say they're the best at fraud detection.
- If you go to their website, they will say they're the best at fraud detection.
- If you go to their website, they will say they're the best at fraud detection.
MN
Minnesota 2025-2026 Regular Session
House Human Services Finance and Policy Committee 2/19/26
Human Services Finance and Policy
Transcript Highlights:
- We need to be making sure that our systems are detecting fraud and we have the tools in place to do that
- We work to detect fraud and waste and make sure that we're identifying that so it's not undermining the
- We have a zero tolerance approach to fraud, and we're really, as I mentioned, trying to detect it early
- detect fraud and waste, um, we work to detect fraud and waste, um, and<00:21:02.640>
make <00: - So, moving to kind of the broader bucket of fraud prevention, detection, and enforcement implementation
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 4 on Climate Crisis, Resources, Energy, and Transportation May 13th, 2026
Transcript Highlights:
- I mean, like, look, we need... ...to be fully focused on fraud detection, right?
- If I can help, too, in terms of definition, we're not talking about fraud detection and detecting fraud
- It's fraud detection controls.
- They want them to talk about the fact that fraud was detected, not how it was detected, and then later
- So physical security, information security, fraud detection controls.
Summary:
The committee heard several budget and policy items, beginning with the DMV’s proposal for the federal state-to-state verification system and the Digital Experience Platform (DXP). DMV officials said the state-to-state system is required for Real ID compliance and functions as a pointer system that shares only limited identifying information to help states verify whether an applicant has records in another jurisdiction. Members pressed hard on privacy, access, hacking, notification, and misuse concerns, including whether other states or federal actors could use the system to target Californians. DMV said access is limited to member jurisdictions, requests are transaction-based, records are encrypted, California can see when its data is requested, and legal remedies would include working through AAMVA and the Attorney General if misuse occurred. On DXP, DMV said the project has been reset, is on its revised schedule and budget, occupational licensing is complete, vehicle registration is targeted for completion by the end of the calendar year, and the full modernization is expected by fiscal year 2028-29.
The committee then took up the High-Speed Rail Office of Inspector General trailer bill and AB 1608. The Inspector General said current law does not clearly authorize public reports or establish a work-paper retention and disclosure framework, and that the trailer bill and AB 1608 would codify those powers, add access to needed job classifications and purchasing authority, and require public reporting with temporary confidentiality only in limited circumstances such as pending litigation, security vulnerabilities, or fraud-detection weaknesses. Members debated how broad the confidentiality language should be, whether reports could remain confidential too long, and whether the bill should define “proposed agreements” and require notice to the Inspector General when agreements are being reviewed. The Inspector General said he had already found at least one procurement-related state law violation involving an amendment that added services not in the original contract, and members discussed the project’s large cost growth and the need for stronger oversight. No vote was taken on the item in the portion provided.
Finally, Caltrans began presenting a trailer bill proposal related to workforce development under SB 150, explaining that it would amend Government Code 14017, which governs use of federal highway formula funds and related workforce development efforts. The transcript cuts off as Caltrans starts its overview, so no further discussion, vote, or action on that item is shown in the provided text.
WY
Wyoming 2026 Regular Session
Senate Minerals, Business & Economic Development Committee, February 25, 2026
Minerals, Business & Economic Development
Transcript Highlights:
- $3 million in fraud. $3 million in fraud.
- from Detective Stuber. from Detective Stuber.
- >
fraud. - Their purpose is fraud.
- Their purpose is fraud.
MN
Minnesota 2025-2026 Regular Session
Committee on State and Local Government - 02/18/25
State and Local Government
Transcript Highlights:
- The request in the Governor's budget proposes a proactive, scalable, data-driven approach to fraud detection
- prevention at the state as the broader industry as it relates to fraud detection and prevention approaches
- prevention at the state as the broader industry as it relates to fraud detection and prevention approaches
- <01:34:51.800>
detection <01:34:52.239>and relates to fraud detection and relates to - fraud detection and prevention<01:34:53.280>
uh <01:34:53.679>approaches <01:34:54.119>
MN
Minnesota 2025-2026 Regular Session
House Fraud Prevention and State Agency Oversight Policy Committee 2/24/25
Fraud Prevention and State Agency Oversight Policy
Transcript Highlights:
- fraud.
- DHS prevents, detects, and investigates fraud in early learning programs, namely the child care assistance
- DHS prevents detects and investigates fraud<00:04:04.239>
in <00:04:04.760>early <00:04 - DHS works to prevent and detect fraud as quickly as possible.
- /c><01:35:55.840>
possible <01:35:56.840>we detect fraud as quickly as possible we detect
MN
Minnesota 2025-2026 Regular Session
House/Senate DFL Media Availability 12/4/25
Minnesota House Floor Meeting
Transcript Highlights:
- Beginning before I was even in the Senate, there was work done to detect and prevent fraud.
- It went over to the House and... done to detect and prevent fraud.
- Um in done to detect and prevent fraud.
- bill is a panacea to stop fraud, okay? bill is a panacea to stop fraud, okay?
- Every single dollar of fraud that fraud.
Summary:
House and Senate DFL leaders Erin Murphy and Zach Stevenson discussed Minnesota’s budget forecast, arguing that rising health care costs, federal policy changes under Trump and congressional Republicans, and cuts to health care, food support, and clean energy are worsening the state’s fiscal outlook and household affordability. They said the state’s economy remains strong but is being undermined by higher premiums, tariffs, canceled projects, and shifting costs to state and local governments, while Republicans are prioritizing tax cuts for the wealthy and large corporations over working families.
A major topic was fraud prevention and oversight. In response to questions, the leaders said every dollar of fraud is unacceptable, but that the budget forecast is not the right tool to measure it. They pointed to existing efforts, including BCA investigators, a governor-ordered and legislature-authorized audit, stronger laws passed in 2023-2025, and work on an independent inspector general proposal. They said the House DFL supports stronger anti-fraud measures and wants fraudsters held accountable, while also protecting services for vulnerable Minnesotans.
The leaders also defended prior DFL budget decisions, saying the 2023 legislative session ended with a $5 billion surplus and rejecting Republican claims that DFL spending drained the state’s coffers. They said Minnesota must still balance its budget, but that the structural deficit is being driven largely by rising medical assistance and health care costs, which they argued are tied to federal actions and broader health system instability. No votes were taken in this transcript; it was a press availability with questions and responses.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, June 9, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- First, fraud is wrong.
- It says fraud should be condemned.
- Fraud is not a victimless crime. truth. Fraud is not a victimless crime.
- term waste and fraud. term waste and fraud.
- fraud before taxpayer dollars disappear. fraud before taxpayer dollars disappear.
MN
Minnesota 2025-2026 Regular Session
House Fraud Prevention and State Agency Oversight Policy Committee 1/21/26
Fraud Prevention and State Agency Oversight Policy
Transcript Highlights:
- The oversight, detection, and prosecution of when fraud targets our public programs.
- are actually making it harder for our agencies to oversee and detect and prosecute fraud.
- fraud, to our<01:12:58.800>
work <01:12:59.040>detecting <01:12:59.600>fraud, <01 - :13:00.280>
and <01:13:00.360>that <01:13:00.440>we're our work detecting fraud, - <01:30:08.720>
detection, <01:30:09.200>prevention, are key to fraud detection, prevention
MN
Minnesota 2025-2026 Regular Session
Improving Housing Affordability and Fraud Protections | Senator Zach Duckworth May 29th, 2026
Minnesota Senate Floor Meeting
Transcript Highlights:
- At least I like to think so. ability to protect against fraud really ability to protect against fraud
- through the means of early detection. through the means of early detection.
- I like that early detection aware of.
- I like that early detection and<00:05:11.199>
you've <00:05:11.440>also <00:05:11.680>- and we love all said it was anti-fraud and we love all those<00:05:17.039>
things. - and we love all said it was anti-fraud and we love all those<00:05:17.039>
Summary:
The discussion focused on two Minnesota Senate bills authored by the senator: Senate File 4168 and Senate File 4652. SF 4168 would give buyers of investment properties more flexibility in financing, including the ability to roll certain closing costs and lender fees into the loan, with the senator emphasizing that the measure is limited to investment properties and is not intended for primary residences. He stressed that the bill is meant to provide options, not force borrowers into any particular structure, and repeatedly distinguished it from predatory lending, saying it has nothing to do with fraudulent or abusive mortgage practices.
SF 4652 addresses fraud prevention at banks by allowing account holders to designate an additional contact person who can be notified if a bank suspects suspicious activity and cannot reach the account owner. The senator described it as a common-sense, no-cost, anti-fraud measure aimed at early detection and protecting both banks and customers. He said fraud is a widespread problem and that the bill would help institutions act quickly when something appears wrong.
The senator said both bills moved quickly because he wanted to get them heard and passed this session, and he noted that he was the sole author on each. He said the bills passed unanimously in both the Senate and the House. In broader comments, he credited bipartisan relationships and committee cooperation for helping the bills advance, and said the session showed House-Senate collaboration on practical legislation, with more political items being pushed toward compromise and further discussion.
KY
Kentucky 2025 Regular Session
House Standing Committee on Banking & Insurance (3-5-25)
Transcript Highlights:
- This is a hope to slow down fraud and to stop a little bit of fraud.
- We can do something about fraud. We can put some teeth into this fraud.
- So insurance fraud happens a lot, and so this bill is just basically does it.
- stop a little bit of fraud mainly our stop a little bit of fraud mainly our insurance<00:08:03.639
- practice law because of insurance fraud practice law because of insurance fraud and<00:08:22.400
Keywords:
Meeting Start: 00:00
Roll Call: 00:20
SB18 Discussion: 01:36
SB18 Vote: 05:07
SB24 Discussion: 06:37
SB24 Vote: 10:50
HB524 Discussion: 12:03
HB524 Vote: 13:55
HB421 Discussion: 15:13
HB421 Vote: 20:50
HB236 Discussion: 21:53
HB236 Vote: 23:34
HB210 Discussion: 25:40
HB210 Vote: 29:56, 958, all
Summary:
The committee met with a quorum and took up several insurance and health-related bills, beginning with Senate Bill 18, which was presented by Senator Girdler and insurance witness Adam Sheridan. The bill was described as addressing a shortage of garage liability insurance for used auto dealers in Kentucky, which has left many small dealers with only one or two coverage options and, in some cases, unable to obtain the insurance needed for a dealer license. The committee adopted a motion and second, then passed SB 18 unanimously and reported it favorably with the recommendation that it pass on the House floor.
The committee then considered Senate Bill 24, also presented by Senator Girdler with testimony from Eric DeCampo of the National Insurance Crime Bureau. The bill was framed as an anti-fraud measure that would expand the definition of a fraudulent insurance act to cover misrepresentations about property damage and repair costs in property insurance claims. Testimony emphasized that insurance fraud raises premiums for consumers and that the bill would help deter inflated or fabricated claims. After a brief question about whether the bill created new felonies, the committee voted to pass SB 24 unanimously and report it favorably.
House Bill 524, presented by Rep. Aaron Thompson with officials from the Office of the Controller and State Risk, would extend reinsurance requirements for the state’s fire and tornado/self-insurance fund from July 1 of this year to July 1, 2030, and rename the fund the Commonwealth’s Property and Casualty Insurance Fund. The bill was moved, seconded, and passed unanimously. House Bill 421, presented by Rep. Amy Neighbors, would require full coverage of FDA-approved bowel preps without out-of-pocket cost or prior authorization issues and update colorectal cancer screening coverage rules for high-risk patients by incorporating multisociety task force guidelines. Members discussed the bill’s personal importance and its minimal fiscal impact; it passed unanimously with a committee substitute. House Bill 236, presented by Rep. Adam Moore and Commissioner Sharon Clark, would cap annual out-of-pocket costs for epinephrine at $100. Members spoke in support, including personal remarks about the importance of access to epinephrine, and the bill passed unanimously with a favorable recommendation.
Finally, House Bill 210, presented by Rep. Michael “Sarge” Pollock and Dr. Steve Robertson of the Kentucky Dental Association, addressed dental limited benefit plans and direct payment to dentists. Members asked whether the bill also affected vision/hearing arrangements or third-party administrators; the witness said it was intended for non-ERISA dental plans in Kentucky and suggested follow-up with the commissioner for further clarification. The committee adopted the committee substitute and then passed HB 210 favorably, with 15 yes votes and no votes against. The meeting then adjourned, with a reminder about the Banking and Insurance dinner later that evening.
MN
Minnesota 2025-2026 Regular Session
Banning cryptocurrency kiosks 2/26/26
Minnesota House Floor Meeting
Transcript Highlights:
- people being fraud frauded is um aging people being fraud frauded is um aging individuals.<00:03
- AARP has long worked to educate consumers, support fraud victims, and improve fraud detection and prevention
- fraud victims, and improve fraud fraud victims, and improve fraud detection<00:17:20.640>
and - As a result, criminals to detect fraud.
- devastating fraud. devastating fraud.
Summary:
The committee heard House File 3642, as amended by the DE1, which would prohibit virtual currency kiosks in Minnesota. The author, Chair Kaggel, said the bill is intended to stop scammers from using crypto kiosks to defraud vulnerable people, especially older adults, because the transactions are often irreversible and hard to trace. Representative Perryman spoke in support, describing local fraud cases and saying the issue had come to her attention through St. Cloud residents and police. The bill was laid over for further work with the Department of Commerce and other interested members.
Testimony from law enforcement and advocates strongly supported the ban. A St. Cloud police sergeant said the problem is statewide and described a case in which a 78-year-old woman lost $80,000 after being directed to a kiosk. A Woodbury detective said current safeguards, including warnings, limits, and refund provisions, have not stopped weekly victimization and that scammers coach victims to bypass protections. An AARP Minnesota volunteer said kiosks are a preferred vehicle for scammers because they move stolen funds quickly and are especially harmful to older adults, and he noted that the 2024 consumer protections have not been enough.
The Department of Commerce also supported the bill, saying crypto kiosks are a growing fraud vector and citing 120 complaints over three years, nearly $1 million in reported losses, and 70 cases with $540,000 in losses already in 2025. The department said many victims do not report losses, so the true amount is likely higher. In contrast, Coinflip’s general counsel opposed a ban and argued that fraud should be addressed through stronger regulation, refunds, blockchain analytics, and customer-service requirements rather than prohibiting a legal product. He said scams would continue through other channels if kiosks were banned. In discussion, members asked about the number of kiosks, how long they have been operating in Minnesota, and the scale of losses; the department said there are about 350 licensed kiosks operated by 8 to 10 operators, though the total number may be higher.
MN
Minnesota 2025-2026 Regular Session
Casting provisional ballot requirement 3/9/26
Minnesota House Floor Meeting
Transcript Highlights:
- When I had an elections supervisor tell me that, you know, if there's going to be fraud happening, the
- When I had an elections supervisor tell me that, you know, if there's going to be fraud happening, the
- If there's going to be fraud happening, the most likely place it'll be happening in our elections is
- , voter registration fraud.
- , voter registration fraud.
MN
Minnesota 2025-2026 Regular Session
House Fraud Prevention and State Agency Oversight Policy Committee 9/17/25
Fraud Prevention and State Agency Oversight Policy
Transcript Highlights:
- I will do everything in my power to detect and prevent fraud.
- power to detect and prevent fraud. power to detect and prevent fraud.
- I want to make sure that they are doing everything they can to prevent and detect fraud.
- Fraud is going on,” we refer that to UKare, who is responsible for detecting and preventing fraud and
- and detecting and preventing fraud and detecting and preventing fraud and taking<01:05:19.119>
MN
Minnesota 2025-2026 Regular Session
Fraud Committee Meeting - 2025-09-17
Fraud Prevention and State Agency Oversight Policy
Transcript Highlights:
- fraud, and DHS hates fraud.
- I will do everything in my power to detect and prevent fraud.
- As for Housing Stabilization Services fraud schemes, I have not seen any unified HSS fraud scheme.
- I want to ensure that they are doing everything they can to prevent and detect fraud, including the investigative
- fraud.
AZ
Transcript Highlights:
- unit and the prosecution of insurance fraud.
- Fraud is not a victimless crime.
- This is a modest increase to the fraud unit assessment, ...which has also not been increased in quite
- Fraud impacts not only our companies, but also our clients, the insured.
- So in order to keep up with some of the sophistication of some of these fraud schemes, we're asking for
Bills:
HB2091, HB2140, HB2320, HB2384, HB2398, HB2502, HB2780, HB2918, HB2939, HB2950, HB2999, HB4020, HB4026, HB4029
Keywords:
insurance, financial surveillance, regulations, assessments, Arizona Revised Statutes, investment, state treasurer, gold bullion, treasury management, financial regulations, school districts, bonds, financial advisors, elections, municipal advisors, cost of borrowing, lease agreements, school property, tax exemptions, impact aid revenue bonds
Summary:
The Senate Finance Committee approved the minutes from March 16, 2026, then heard testimony on a series of bills, with the chair noting that testimony and votes would be handled in batches because members were coming and going. HB 2939 would raise the rural qualified facilities tax credit from $20,000 to $25,000 per job for certain projects with initial investment under $2 billion. Lucid Motors supported the change as a tool to attract manufacturing jobs to rural Arizona, while opponents questioned whether the higher credit would actually create new jobs and pointed to a fiscal note that could reach $48 million. The committee later passed the bill 5-2.
HB 2950 would authorize municipalities and counties to form tourism improvement areas funded by lodging business assessments for marketing and tourism promotion. The Arizona Lodging and Tourism Association and Visit Phoenix supported the measure, describing TIAs as voluntary, locally controlled tools already used in other states and useful for rural destinations; senators pressed on whether the assessments were truly voluntary and how the districts would be formed and administered. The bill passed 5-2. HB 2780, a technical cleanup bill related to property tax lien foreclosure and excess proceeds sales, was described as conforming changes to a prior law creating a mechanism for delinquent taxpayers to recover equity; it passed 6-1.
HB 2502 would allow certain ASRS members who are elected officials to retire at normal retirement age without resigning their elected office, with the employer paying the alternate contribution rate. ASRS said it was neutral, and the sponsor and a lobbyist argued the bill would create parity with non-elected members who can retire and return to work; the committee passed it 5-2. HB 2140, as amended by a striker, would let the state treasurer invest up to 10% of trust and treasury monies in physical gold or silver bullion held in secure U.S. depositories. The sponsor and Sound Money Defense League supported it as a diversification and inflation hedge, while opponents argued gold is volatile, costly to store, and not a better use of taxpayer funds; the committee adopted the striker and passed the bill 4-2.
HB 2398 would require commercial liability insurance for watercraft rented or hired in Arizona, including peer-to-peer boat-sharing programs, while not affecting ordinary personal boat ownership. The sponsor, insurers, and rental operators said the bill responds to uninsured boats being rented through apps and to safety and liability problems; some members said training should also be addressed. The committee adopted an amendment and passed the bill 6-1. Finally, HB 2999 would create state affordable infrastructure districts to finance public infrastructure for housing through bonds, taxes, and assessments, with unanimous landowner consent and disclosure requirements. Home builders and contractors said the districts could lower upfront housing costs and improve financing, but contractors sought stronger payment protections and some senators worried the bill could add red tape and costs without guaranteeing savings to homebuyers. After adopting a large amendment, the committee passed HB 2999, though at least one member voted no and another passed on the vote.
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Wed Mar 18, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- Make certain software to prevent fraud.
- showing losses experienced by victims of this type of kiosk fraud.
- But what what really of kiosk frauds.
- But we know now that we can control the fraud and still stay in business.
- :51:23.440>
an non-legitimate fraud victim has an non-legitimate fraud victim has an opportunity
Keywords:
insurance, climate change, responsible parties, damages, Hawaii Property Insurance Association, Hurricane Relief Fund, civil action, climate disasters, extreme weather, SB888, Hawaii, consumer protection, smart home security, smart household security device, home security camera, video doorbell, Ring, Nest, connected devices, internet of things
Summary:
The committee heard SB 1166 SD2, a bill on insurance and climate-related damages that would authorize the Hawaii Property Insurance Association and, in amended versions discussed during testimony, other public and private entities to pursue civil actions to recover losses tied to climate disasters and extreme weather. DCCA’s Insurance Division and the Department of the Attorney General raised legal concerns, saying the bill’s scope may not fit the insurance code section being amended, that it could create subject-matter and title issues, and that some subrogation language may be duplicative of existing rate-filing practice. Lawyers for Justice opposed the measure, arguing it conflicts with existing subrogation law and recent Hawaii Supreme Court rulings that treat the judicial lien process as the exclusive remedy. The American Petroleum Institute also opposed, warning the bill would add liability and litigation risk for companies operating under existing permits and could undermine energy reliability and investment.
Supporters said the bill would help shift climate-related insurance costs away from residents and onto fossil fuel companies and other responsible parties. Testimony in support came from the Polluters Pay Hawaii Coalition, Center for Climate Integrity, Hawaii Island Council, Our Hawaii, Sierra Club of Hawaii, and others, who described recent flooding, storm damage, rising premiums, non-renewals, and underinsurance as evidence of a worsening climate-driven insurance crisis. Several supporters urged amendments to give the Attorney General explicit authority to recover insurance-related losses for the Hurricane Relief Fund, HPIA, and private insurers, and to ensure recovered amounts benefit policyholders. Committee members questioned whether HPIA is a private entity, whether the Attorney General could represent it, whether the bill could create double recovery or affect pending climate litigation, and whether insurers would have standing or damages if they are only paying contractual claims.
The committee then took up SB 888 SD2, a consumer protection bill that would restrict smart household security device operators from sharing user data with law enforcement without consent or a judicial order, and would bar conditioning device use on such consent. The Office of Consumer Protection testified in support and said an Illinois law could serve as a useful template for exceptions to the warrant requirement. An individual supporter said the measure would protect immigrant communities, judges, and others from surveillance and misuse of private data. No vote was taken during the portion of the meeting provided, and the chair noted additional written testimony submitted in support of SB 1166.