Transcript Highlights:

• <01:21:15.840> have<01:21:16.000> not consumers or for whom consumers have not consumers
• many of the consumers.
• consumers had gotten loans um forgiven. consumers had gotten loans um forgiven.
• . consumers. consumers.
• proof from consumers.

Keywords: 1183, house

Transcript Highlights:

• <00:37:17.680> consent methods used to secure consumers consent methods used to secure consumers
• genetic<00:38:03.599> testing Direct to to consumer genetic testing Direct to to consumer
• > required<00:40:09.920> if Consumers requ consent is required if Consumers requ consent
• Section 2421BF prohibits discrimination against the consumer because the consumer has exercised their
• with this very important consumer data. with this very important consumer data.

Keywords: 926, house, all

Summary: The House opened with a devotional, the Pledge of Allegiance, and the formal swearing-in and seating of newly appointed Representative Jack Bighgam of St. Albans Town, who was also assigned to the Committee on Agriculture, Food Resiliency, and Forestry. The chamber then introduced House bills 911 and 912 and referred them to the Agriculture, Food Resiliency, and Forestry Committee and the Judiciary Committee, respectively. Several other bills were referred to money committees under House rules, including H.558 and H.775 to Ways and Means and H.632 and H.778 to Appropriations. Members also made announcements recognizing visiting groups, including fire and rescue personnel, community action agencies, 4-H participants, and other guests, along with caucus meeting notices. The House then took up H.907, a Government Operations and Military Affairs Committee bill to review and repeal outdated reporting requirements. The committee explained that the bill categorizes reports into those repealed, those to be reviewed again in four years, and those retained permanently, with an effective date of July 1, 2026. The committee reported unanimous support, and the House ordered the bill to third reading after agreeing to the committee recommendation. Next, the House considered H.205, dealing with agreements not to compete and stay-or-pay provisions. The Commerce and Economic Development Committee described the bill as generally prohibiting non-compete agreements, especially for lower-wage workers, while allowing narrow exceptions, and limiting stay-or-pay provisions to voluntary, reasonable, and clearly disclosed arrangements. During questioning, a member raised concern about a specific carveout for teacher contracts, arguing it could be used to restrict teacher mobility; the presenter said the language was intended to clarify that the bill did not conflict with existing teacher-contract law. The House adopted the committee amendment and ordered the bill to third reading. The House then began second reading of H.639 on genetic data privacy. The committee described the bill as creating strong protections for consumers’ genetic information, requiring express opt-in consent for collection, use, disclosure, transfer, retention, and marketing uses; allowing revocation of consent; requiring deletion of data and biological samples upon request; restricting storage and transfer outside the United States; and prohibiting disclosure to insurers, employers, and most government access without a warrant. The committee also said the bill would impose security requirements and anti-discrimination protections, and the detailed presentation continued as the transcript ended.

Transcript Highlights:

• So my key priority is putting Texans consumers first and every So my key priority is putting Texans consumers
• I also mentioned talking about the protection of consumers two sessions ago, the legislature. of consumers
• with consumer choice.
• Those same rules protect consumers.
• So those things would protect consumers and Texans alike.

Keywords: 1185, senate, all

Transcript Highlights:

• These programs are a win-win for consumers, airlines, and the economy.
• Yeah, certainly change in behavior, consumer behavior. The other, Ms.
• How you consume it has changed. A lot of people consume it at home and don't dine in.
• Some consumers are willing to pay, and this is partly about offering consumers the choice.
• This is also a consumer issue.

Keywords: 995, all

Summary: The commission met for its second hearing to study the future of credit card payments and sales transactions and their impacts on small businesses. Members heard extensive testimony from credit unions, retailers, restaurants, and payment-industry representatives on interchange fees, processing fees, fraud, chargebacks, rewards programs, and the ability of businesses to pass fees on to customers. Several witnesses argued that swipe fees have risen sharply, are especially burdensome for restaurants and other small businesses, and are charged on taxes and tips that are merely pass-through amounts. They urged state action to prohibit fees on tax and tip portions, improve transparency, and allow surcharging or convenience fees, while opponents warned that state regulation could reduce fraud protections, increase compliance costs, and threaten consumer rewards programs. Business owners and trade groups described thin margins, rising costs, and the difficulty of understanding merchant statements or negotiating with processors. Restaurant witnesses said card-not-present and online transactions create the greatest fraud and chargeback risk, with money often removed immediately from merchants’ accounts and disputes rarely resolved in their favor. Retail witnesses gave examples of rising effective rates, higher fees on rewards cards, and the burden of processing fees on low-value transactions. A representative from the Massachusetts Restaurant Association and others said restaurants are effectively paying fees on meals tax and gratuities, which they argued should not be subject to interchange charges. On the other side, the Cooperative Credit Union Association said interchange revenue helps credit unions fund fraud prevention, rapid card replacement, and member protections, and warned that state limits on interchange could weaken those safeguards and lead to higher consumer costs or reduced services. Airlines for America testified that airline credit card rewards are popular, support travel and jobs in Massachusetts, and could be harmed by interchange reform. The National Restaurant Association and a payments-policy attorney countered that interchange fees are set by card networks rather than competitive markets, that banks remain highly profitable even with rewards, and that states can act after recent court decisions. No votes were taken; the hearing consisted of testimony and questions from commissioners.

Transcript Highlights:

• and consumers.
• This new value needs coverage, which results in bigger consumer bills.
• The Consumer Protection Division helps consumers with complaints against their insurance company, their
• We have consumer resources.
• We do a fairly extensive consumer education program, like TDI.

Keywords: 1184, house, all

Transcript Highlights:

• It's a consumer protection bill. You can look at it as a consumer protection bill.
• Consumer legal things along those.
• <00:26:59.679> in very strict consumer protections in very strict consumer protections in
• it's inadmissible against the consumer. it's inadmissible against the consumer.
• You can't use it against the consumer. You can't use it against the consumer.

Keywords: Judiciary, Division A - Room 409, 3 February, 2026; 2:00 P.M., 925, all

Summary: The committee first took up Senate Bill 2893, a municipalities bill on zoning notice requirements. The committee substitute would require notice of proposed zoning changes to be posted on Facebook, Instagram, and X 30 and 15 days before the hearing, while also continuing newspaper publication, posting on a local website if available, making the proposal available at a government office or library, and extending the appeal period for landowners from 10 to 20 days. Members raised concerns about relying on social media for accurate notice and whether local governments would need accounts on those platforms, but the sponsor said the bill was meant to supplement, not replace, newspaper notice. The bill was described as supported by municipal interests, and the committee adopted a motion for a title sufficient, due pass committee substitute. The committee then considered Senate Bill 2027, which creates a rebuttable presumption that joint physical custody is in the best interest of a child. The sponsor and other senators said the bill is intended to add a tool to existing custody law, not replace the Albright factors or other custody standards, and would apply even where the parents were never married. Questions focused on paternity, how the presumption could be rebutted, and whether distance between parents would defeat equal time; the sponsors said paternity rules would remain unchanged and courts could deviate when joint custody is not feasible, such as when parents live far apart. Senators also asked about chancellors’ reactions, and the sponsor said he had discussed the measure with many of them and had revised the bill in response to prior concerns. The committee then passed the bill on a motion for title sufficient, due pass. Finally, the committee began hearing Senate Bill 2747, a consumer legal funding bill. The sponsor and a representative of the industry described the measure as regulating consumer legal funding, which provides small advances to injured plaintiffs for household expenses while litigation is pending, and distinguishing it from litigation financing, which pays litigation costs. They said the bill would impose consumer protections, require attorney review, prohibit quid pro quo arrangements between funders and law firms, bar law firms from operating side funding businesses, and block foreign money from entering the market. The discussion was informational at this stage, with the witness explaining that the bill is intended to regulate an existing practice and protect consumers and the legal system.

Transcript Highlights:

• Consumers are rightly concerned about their... Dropped due to erroneous data.
• And, you know, we always keep the consumer first in our minds, and we all want the same thing.
• The motion is due pass to the Privacy and Consumer Protection Committee. Calderon? Aye.
• The training focuses on real-world decision-making skills that directly benefit consumers.
• Robert Harrell, with the Consumer Federation of California.

Summary: The Assembly Insurance Committee met as a subcommittee and heard several bills focused on insurance transparency, wildfire mitigation, market access, and workforce issues. AB 75 would require insurers to give homeowners 30 days’ notice before collecting aerial images of their property and allow homeowners to review those images; supporters said it would improve privacy and prevent inaccurate non-renewals, while consumer and industry groups both sought amendments. AB 234 would add the Assembly Speaker and Senate President pro Tem, or designees, as non-voting members on the California FAIR Plan governing committee; the Department of Insurance supported it as an oversight measure, while Consumer Federation of California said it was only a small first step toward broader transparency reforms. AB 428 would let water corporations join joint powers authorities for pooled insurance, with supporters citing rising insurance costs for small water systems and no remaining opposition after amendments. AB 943 would streamline producer pre-licensing education by removing the 20-hour per-line requirement while keeping ethics training; industry sponsors said it would reduce barriers to entry, while consumer advocates warned it could lower professional standards. AB 1209 would create a pathway for cannabis employers to secure workers’ compensation coverage and related services through a state-coordinated network; supporters said it would help bring the industry into compliance, while one member raised concerns about creating a special carveout for a federally restricted industry. AB 1 would require periodic review of the state’s Safer from Wildfire regulations every five years, and it drew broad support from the department, insurers, local governments, and industry groups as a way to keep wildfire mitigation incentives current. The committee also took up a consent calendar including AB 69, AB 487, and AB 570, all of which were sent to Appropriations. The committee approved AB 75 to Privacy and Consumer Protection, AB 234 to the Assembly Floor, AB 428 to Local Government, AB 943 to Appropriations, AB 1209 to Business and Professions, and AB 1 to Appropriations. Most measures passed on strong or unanimous votes after members added coauthor requests and expressed support for the bills’ consumer protection, transparency, or wildfire-related goals.

Transcript Highlights:

• and consumers.
• This new value needs coverage, which results in bigger consumer bills.
• The Consumer Protection Division helps consumers with complaints against their insurance company, their
• We have consumer resources.
• To benefit Texas consumers.

Transcript Highlights:

• , THE DIVISION RECEIVES INQUIRIES AND COMPLAINTS WITH CONSUMERS.
• WE REALLY DON'T KNOW WHAT CONSUMERS KNOW OR DO NOT KNOW ABOUT AI.
• TO THE INDUSTRY AND THE CONSUMER.
• FROM A CONSUMER SERVICES POINT OF VIEW, OUR GOAL IS TO PROTECT CONSUMERS, RIGHT?
• CONSUMER PROTECTION.

Transcript Highlights:

• Tasha Carter, Florida's Insurance Consumer Advocate, waiving in support.
• I know it was very time-consuming, but I appreciate the effort.
• Tasha Carter, Florida Insurance Consumer Advocate, waiving in support.
• But just from a consumer-adoption standpoint, we found that the consumer would like to have their gold
• or that you would view as there to protect consumers.

Summary: The committee first took up SB 794, as amended by a late-filed strike-all, which would require a human being to make insurance claim denial decisions and prohibit artificial intelligence from being the sole basis for a denial. The sponsor said the bill was intended to preserve human oversight while allowing innovation in claims processing. Public testimony included support from the Florida Insurance Consumer Advocate and the Florida Medical Association, along with one speaker urging additional protections for homeowners. The committee adopted the strike-all and reported SB 794 favorably with committee substitutes. Members then heard SB 134, which removes the $500 threshold on the sales tax exemption for bullion, making sales of gold, silver, and platinum bullion fully exempt and eliminating certain dealer documentation requirements. Supporters argued the change would reduce a regressive tax and help consumers preserve savings; the sponsor estimated a revenue impact of about $300,000. The bill was reported favorably. The committee also adopted a strike-all on SB 888, which directs the Office of Insurance Regulation to create a more consumer-friendly homeowners insurance website with premium comparison information, market data, rate filing access, and educational resources. The sponsor and Leader Boyd said the goal was to improve transparency and help consumers navigate a stabilizing market. SB 888 was reported favorably with committee substitutes. The final bill heard was SB 1578, covering mammograms and supplemental breast cancer screenings. The sponsor said it would expand coverage requirements in ACA plans and private insurance policies, including annual mammograms for women ages 40 to 50 and supplemental screening coverage, while noting Medicaid already provides these services. The Florida Insurance Consumer Advocate waived in support, and the bill was reported favorably. After the bills, the committee held a lengthy panel discussion on gold and silver as legal tender and transactional money, with testimony from officials from Utah and Florida, industry representatives, and advocacy groups. Panelists discussed constitutional authority, consumer protections, depository oversight, taxation issues, and possible transactional platforms for precious metals. No further action was taken after the discussion, and the committee adjourned.

Transcript Highlights:

• And just, um, I'm confident that we'll continue to update and refine our consumer data protection act
• That continuation of protecting consumer data is what we're doing today.
• believe that the act of a consumer believe that the act of a consumer purchasing<00:03:08.959>
• consumer must opt in versus opting out. consumer must opt in versus opting out.
• a consumer cannot be collected<00:03:57.040> with<00:03:57.200> the<00:03:57.439> consumer

Keywords: Meeting Start: 00:00 Roll Call: 00:28 HB 692 Discussion: 01:11 HB 692 Voting: 05:01, 958, all

Transcript Highlights:

• He said providers must give that disclosure to consumers.
• He said consumers choose whether to engage, and many people do.
• There is strong consumer protections in place against the ministries, but there's really no consumer
• The use of agents and brokers causes consumer confusion.
• The use of agents and brokers causes consumer confusion, which naturally leads to consumer complaints

Summary: The committee heard and advanced several bills. SB 624, by Senator Yarborough, would allow batterers intervention programs to offer optional supplemental faith-based activities, with no participant required to take part; supporters said it would expand provider options amid a shortage of certified programs, while opponents raised concerns about government speech and mixing religion with court-ordered programming. After debate, the bill was reported favorably 7-2. The committee also considered CS/SB 834, which repeals a 2022 restriction preventing licensed insurance agents from marketing or selling health care sharing ministries; supporters framed it as restoring choice and free speech, while opponents warned about consumer confusion, commissions, and lack of insurance protections. It was reported favorably 8-2. The committee next approved CS/SB 502, via a strike-all amendment, to give Florida concurrent jurisdiction over certain juvenile offenses on military installations so juveniles can be handled in state juvenile court rather than federal court; the amendment and bill both passed unanimously. CS/SB 52 also passed unanimously after testimony from church leaders and security personnel supporting an exemption from Class D/G licensing for unpaid armed security volunteers at places of worship. Supporters said the bill would clarify legal gray areas and help churches afford security, while members noted the broader concern that houses of worship need armed protection at all. Finally, the committee reported favorably SB 840, which revises last year’s emergency/local planning law by narrowing its application after storms from 100 miles to 50 miles of the storm track and exempting certain water, flood, and state/federal planning matters; local government representatives supported the clarification, and the bill passed 9-0. CS/SB 758, as amended, updated the membership of the Justice Administration Commission to better reflect the entities it oversees, and it also passed 9-0. The meeting ended with a recorded affirmative vote from Senator DeSigley on SB 624.

Transcript Highlights:

• These right-to-repair bills are very, very pro-consumer.
• These right to repair bills are very, very pro-consumer.
• For instance, this came to be from a consumer.
• These claims do not provide meaningful benefits to consumers.
• I’m hoping to look at this from a pro-consumer standpoint, that the bill is pro-consumer.

Summary: The Commerce and Tourism Committee heard and reported favorably several bills. SB 386, by Sen. Trumbull, would create consumer rights and manufacturer obligations for defective farm equipment, modeled on lemon-law concepts, and passed without opposition. SB 528, also by Sen. Trumbull, would strengthen Florida’s manufacturing sector through Department of Commerce responsibilities, a chief manufacturing officer role, workforce grants, and reporting requirements; it drew questions about whether it differed from last year’s bill and was supported by several appearance forms before passing favorably. SB 806, a right-to-repair bill for portable wireless devices and agricultural equipment, drew the most testimony: supporters said it would expand consumer choice and repair access, while dealers and industry representatives argued existing manufacturer agreements already provide access and warned the bill could disrupt dealer/manufacturer relationships and future technology; it nevertheless passed favorably. The committee also approved SB 696 on trademark registration, which would modernize the trademark classification system, allow online applications, and clarify document verification procedures, and SB 930, which creates a 15-member Florida Retirement Savings Task Force to study retirement coverage gaps and recommend policy options without imposing employer mandates. SB 826, by Sen. Leak, would address reward cards that function like gift cards but expire, while excluding loyalty programs; the Florida Restaurant and Lodging Association raised concerns about unintended consequences and the need for tighter definitions, but the bill was reported favorably after the sponsor said the language would be refined. SB 874 would expand professional licensure reciprocity for experienced out-of-state surveyors and mappers to address workforce shortages, and it also passed favorably. After a pause, the committee took up CS/SB 838 on electronic payments of retail installment contracts. Sen. Yarbrough said the bill clarifies that reasonable convenience fees for optional electronic payments are permissible, provided they are disclosed and a fee-free option remains available, to reduce ambiguity and litigation. Members questioned whether the bill could authorize or expand fees and whether the “reasonable” standard was sufficiently clear; the sponsor said the fees are tied to processor costs and are not intended as revenue. An amendment adding the word “retail” was adopted, and the committee substitute was reported favorably. Several members later asked to be recorded as voting in the affirmative on bills they had missed, and the meeting adjourned.

Transcript Highlights:

• Annalia Augustine here on behalf of Consumer Brands Association also adding on. opposition.
• We are working on what we call maximum use trials, and these are consumer hand washes.
• There's no absorption of the active ingredient through the skin in a consumer hand wash.
• But not with consumer washes. So those are sort of the points that I wanted to make.
• Consumer monograph, healthcare monograph, and the food handler monograph.

Keywords: 988, house, all

Transcript Highlights:

• And we have the consumer protection market conduct exams: are they following consumer protection laws
• And so that's the consumer protection side.
• I'm Executive Director of Consumer Watchdog.
• Jenna Price, on behalf of the Consumer Federation, in support.
• Christopher Assange is with the Consumer Federation.

Summary: The committee heard testimony on several insurance-related bills. SB 1209 by Senator Allen, sponsored by Insurance Commissioner Ricardo Lara, would give the Department of Insurance stronger enforcement tools when insurers fail to implement corrective actions identified in market conduct or financial examinations. Supporters said the bill would close gaps that allow repeated violations, improve solvency oversight, and protect policyholders; opponents argued CDI already has broad authority and raised concerns about duplicative penalties, due process, and the bill’s scope. Members discussed amendments to limit the bill to legal violations rather than recommendations, apply penalties per exam rather than per policy, and clarify accounting language. The committee voted to send SB 1209 to Appropriations, with the bill placed on call after a roll vote that included one no vote from Senator Niello. The committee also considered SB 1301, which would require more detailed non-renewal notices for residential property insurance, give policyholders time and information to address correctable issues, and restrict certain non-renewal reasons such as claims below deductible or not covered by the policy. Support came from homeowners, fire survivors, and consumer groups who said notices are often vague and leave families unable to keep coverage; insurers opposed the bill, warning that California’s notice period is already among the longest in the country and that the bill could worsen availability and add burdensome reporting requirements. The author said he was willing to reduce the notice period from 180 days to about three months and work on a mitigation-based process. The committee passed the bill to Appropriations, with Senator Niello voting no and the item placed on call. SB 1026 by Senator Gonzalez would tighten regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without a criminal conviction, adding conduct restrictions, and requiring continuous liability coverage and proper appointment notices. Supporters, including Commissioner Lara, said the bill addresses serious misconduct and loopholes that have led to unsafe conduct and weak oversight. Bail industry representatives and crime victims’ advocates opposed the measure, arguing that the required insurance coverage is unavailable or unlawful as written, that the bill would be hard to comply with, and that it could reduce the number of recovery agents and delay justice. The committee moved SB 1026 to Appropriations, with Senator Niello voting no and the bill placed on call. The committee then heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would authorize the Attorney General to sue fossil fuel companies to recover costs tied to climate disasters and insurance losses, with supporters framing it as a way to shift some climate-related costs away from policyholders and taxpayers. The author said amendments would remove retroactivity and delay liability until 2032, while supporters from flood and wildfire survivor groups and climate organizations said the bill would help fund recovery and stabilize insurance costs. Opponents from industry and building trades argued the bill was legally vulnerable, would create a de facto tax or liability scheme, and could harm jobs, energy production, and affordability. Testimony on SB 982 was extensive, but the transcript ends before any committee vote or final action on that bill.

Transcript Highlights:

• yield myself such time as I may consume. yield myself such time as I may consume.
• <03:39:52.239> Consumers bargain. And that's not fair. Consumers bargain.
• I may consume. Gentleman is recognized. I may consume. Gentleman is recognized.
• myself as much time as I may consume. myself as much time as I may consume.
• <04:35:56.160> Thank consume. Gentleman is recognized. Thank consume.

Keywords: U.S. House of Representatives Floor Proceedings on Monday, April 28, 2025, 1012, house, all

Transcript Highlights:

• And those costs are only going to then be passed on to the consumer.
• FAPIA's number one goal is and has always been to protect consumers, most importantly consumers who many
• How will the rate transparency report help consumers? >> You're recognized.
• Thank you. 1175 How will consumers safe 1176 money as a result 1177 How will consumers save money as
• But are we prioritizing innovation over consumer safety protections?

Summary: The committee met with a quorum and heard several insurance and banking bills. HB 1399, relating to property insurance affiliates, would increase Office of Insurance Regulation oversight of transactions between property insurers and affiliates, require fair-and-reasonable documentation, review of dividends and asset pledges, contract termination clauses, affiliate registration, and penalties for violations. Members from both parties generally supported the goal of transparency and accountability, though some raised concerns about costs and whether the bill would actually return money to insureds. The bill was reported favorably. HB 427, on public adjuster contracts, would allow vulnerable adults or their legal representatives to rescind public adjuster contracts without penalty, reflecting the sponsor’s personal concerns about protecting elderly and otherwise vulnerable family members from predatory contracting. Public testimony included support from several industry and elder-law groups, while the public adjuster association warned the bill could unfairly target one profession and urged broader language. Members debated whether the bill should be expanded to cover other solicitations and whether legal representatives should be treated differently, but the bill was ultimately reported favorably. The committee also approved HB 893, which aligns bank handling of law-firm trust accounts with Florida Supreme Court rules and supports legal aid funding, and HB 767, a transparency bill requiring insurers to provide consumers with plain-language explanations of rate increases and related factors. Members emphasized consumer education and clearer disclosures, and HB 767 passed 2-0. Later, HB 381, the Office of Financial Regulation agency bill, was amended and reported favorably; it updates financial regulation provisions including cybersecurity-related requirements, money services business rules, credit union and financial institution provisions, and fee timing. HB 777, a related public-records bill protecting nonpublic personal information submitted to OFR, was also heard and moved forward without opposition.

Transcript Highlights:

• franchise system has served consumers franchise system has served consumers well<00:48:51.119>
• Department of Justice—they're all completely aligned here, saying direct-to-consumer harms consumers,
• the expense of competition consumer the expense of competition consumer choice<00:52:30.920>
• to take that choice away from consumers to take that choice away from consumers by<00:53:08.640>
• <00:53:58.319> harms here stying direct to Consumer harms here stying direct to Consumer harms

Keywords: 910, house, all

Summary: The joint hearing covered HB 1484 on transit-oriented development and HB 157 on transportation. For HB 1484, testimony included a request from the Hoi Community Development Authority to be removed from the measure while offering to assist if the transit-oriented development law is implemented, along with testimony in opposition and support from several individuals. The committees later recommended HB 1484 be passed with amendments, including an HD1, a defective date, deletion of a reference to section 225 on page 11, adoption of H-CDA’s proposed amendment, and related committee report changes. The vote was adopted in both committees, with Representatives Cochran and Lee excused and Representative Mora voting with reservations. HB 157 concerned the transfer and acceptance of roads in the Villages of Kapolei. HHFDC supported the bill’s intent and explained that the roads were originally self-permitted, the city had not accepted dedication, and HHFDC has been maintaining and upgrading the roads under an MOA that requires improvements to city standards before transfer. Testimony from the Villages of Kapolei Association and others described ongoing problems with non-emergency police services, illegal parking, abandoned vehicles, and the need for city enforcement on roads that are open to the public. Committee members asked about the current holdup, the possibility of transferring roads in segments, and whether a cash settlement could resolve the issue; HHFDC said it was working in segments and that the city had mentioned a $60 million figure. The committees then recommended HB 157 pass with amendments, noting they were awaiting an Attorney General opinion on authority to compel the transfer and that the matter would continue to the Committee on Water and Land. The Transportation Committee also heard several additional bills. HB 1083, concerning vessels in state commercial harbors, drew support from the Department of Transportation and some industry groups and opposition from charter operators; HB 1159, which would require compliance with harbor master evacuation orders and increase penalties, drew DOT support and opposition from multiple vessel operators, who argued the bill was too broad and should define emergencies more clearly and use tiered penalties. HB 58, limiting civil liability for firefighting at commercial harbors, received DOT and Maritime Group support. HB 1165, on county disposal of ocean-bordering property and state highway acquisition, received DOT support. HB 938, a broad motor vehicle franchise and EV-related bill, drew support from the Hawaii Automobile Dealers Association and the Motor Vehicle Industry Licensing Board, but strong opposition from the Alliance for Automotive Innovation, Tesla, Rivian, Scout Motors, and others; opponents argued it would restrict direct-to-consumer EV sales and innovation, while dealers said the bill was too broad and needed further stakeholder work. No final votes were taken on the Transportation Committee’s remaining measures in the portion provided, and the joint hearing was adjourned after decision-making on HB 1484 and HB 157.

Transcript Highlights:

• And it usually moves to places that are harder to regulate and less safe for consumers.
• And it usually moves to places that are harder to regulate and less safe for consumers.
• Both the state's consumer safeguards.
• <00:14:39.839> even bill could actually hurt consumers even bill could actually hurt consumers
• to regulate and less safe for consumers. to regulate and less safe for consumers.

Keywords: 1187, senate, all

Transcript Highlights:

• ...directly as an additional cost to the consumer.
• Every time a consumer taps a card to a local business, the consumer believes three things: their information
• It's what feeds the consumer economy.
• It's what feeds the consumer economy.
• Because that's not the way consumers work.

Keywords: 995, all

Summary: The Special Commission on the future of payments and sales transactions by credit card heard extensive testimony from credit union, banking, retail, restaurant, and payments-industry representatives about proposals to limit interchange fees, especially on the tax and tip portions of transactions. Several witnesses opposed state-level restrictions, arguing they would create a patchwork of rules, burden state-chartered institutions, raise compliance complexity, and ultimately reduce resources for fraud prevention, cybersecurity, rewards, and access to credit. Others, including retail and merchant advocates, said swipe fees are a significant and growing cost for small businesses and that states should consider reforms such as limiting fees on taxes and tips, allowing surcharging, improving transparency in merchant contracts, and studying collection costs more closely. Witnesses also discussed recent legal and regulatory developments, including Illinois’s interchange-fee law, OCC and NCUA interim rules, and the ongoing Visa/Mastercard antitrust settlement. Industry representatives said the Illinois law has been delayed and is likely preempted for most transactions, while merchant advocates argued the state efforts and court rulings show that networks and banks do not set fees competitively. The proposed antitrust settlement was described by some as a meaningful but limited merchant victory, with temporary fee reductions and expanded surcharge/steering rights, while others said it still falls short of structural reform. The commission members pressed witnesses on the practical effects of fees, the cost of cash, whether merchants can pass costs through, and whether small businesses are actually seeing benefits from the current system. Members repeatedly emphasized the need for a fair middle ground that protects both small businesses and the payment system. No substantive votes or policy actions were taken beyond accepting testimony, and the meeting ended with adjournment after all scheduled witnesses had spoken.