Video & Transcript Research : 'consumer services'
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KY
Kentucky 2026 Regular Session
House Legislative Session Day 48 (3-17-26)
Kentucky House Floor Meeting
Transcript Highlights:
- emergency management services. emergency management services.
- taxes and so forth where the services taxes and so forth where the services will<01:35:10.400>
- <01:38:22.480>
The and Kentucky 911 Services Board. The and Kentucky 911 Services Board.- of homeland security and 911 services of homeland security and 911 services board.<01:39:54.560>
- <01:40:05.840>
for respond and they use 911 services for respond and they use 911 services - <01:38:22.480>
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, February 9, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- . consume. consume.
- I may consume. I may consume.
- I may consume. I may consume.
- I may consume. I may consume.
- I may consume. I may consume.
MN
Minnesota 2025 1st Special Session
Transportation committee approves repeal of California clean car standards 2/26/25
Transcript Highlights:
- <00:09:03.120>
are away currently Minnesota consumers are away currently Minnesota consumers - stations bigger hoist larger service stations bigger hoist larger service areas<00:09:42.440>
- there was ever a mandate on consumers there was ever a mandate on consumers that<00:19:15.080>
- consumers consumers and<00:24:29.159>
so <00:24:29.399>that <00:24:29.520>would - It's about consumer choices.
- consumers consumers and<00:24:29.159>
FL
Florida 2025 Regular Session
April 10, 2025 - 09:00 AM
Transcript Highlights:
- . by Representative Gentry, OGSR: Records of Insurers, Department of Financial Services.
- That consumer deserves to know the name, the title, and why that claim was denied.
- Tasha Carter, Florida’s Insurance Consumer Advocate, Office of Insurance Consumer Advocate, DFS, state
- So I appreciate this bill because of what it will be doing for our consumers.
- And it results in 40 to 50 percent of what consumers are paying in their premiums.
Summary:
The Insurance and Banking Committee met with a quorum and heard three bills. HB 487 would authorize the CFO and State Board of Administration to invest up to 10% of certain state funds in Bitcoin, require specified custody methods, allow Bitcoin lending under rule, and create a process for accepting taxes and fees in Bitcoin. The sponsor and several proponents argued it would diversify state investments, hedge inflation, and position Florida as a leader in digital assets. Members raised concerns about volatility, security, valuation, and whether Bitcoin was being singled out over other cryptocurrencies, but the bill was reported favorably after debate and a roll call vote.
The committee then considered HB 7011, an Open Government Sunset Review measure for records of insolvent insurers. The bill would continue some exemptions but make additional records public, including underwriting files, risk-solvency assessments, corporate governance annual disclosures, and the names, benefits, and compensation of insurance executive officers. There was no public testimony, and members discussed privacy and safety concerns, but the bill passed and was reported favorably.
Finally, the committee heard HB 1433 on hurricane mitigation grants and insurer regulation. The bill would tighten restrictions on former executives of failed insurers, raise capital requirements for new insurers, and require mitigation credits when homeowners receive Safe Florida Home funds. An amendment was adopted to require a licensed person to make final claim-denial decisions when AI or automation is used and to prioritize filings that lower rates. Consumer advocates supported the transparency and consumer protections, while industry representatives urged caution on the AI provisions. After debate, the amended bill was reported favorably. The meeting ended with closing remarks from the ranking member, vice chair, and chair reflecting on the committee’s work and likely final meeting of the term.
FL
Florida 2025 Regular Session
Agriculture Mar 3rd, 2025
Transcript Highlights:
- EMERGENCY, IN OTHER WORDS HURRICANES TROPICAL STORMS, TORNADOES DECLARED BY THE NATIONAL WEATHER SERVICE
- THEY'VE ALLOWED US TO CONSUME MORE QUANTITIES OF FOOD BUT ULTIMATELY WE AS A SOCIETY AND FLORIDIANS AND
- MY NAME IS GREG COSTA, SENIOR DIRECTOR OF STATE AFFAIRS WITH CONSUMER BRANDS ASSOCIATION.
- THEY ARE JUST NOT IN THE TASTE OF FOOD CONSUMERS AND BEVERAGE CONSUMERS IN THE EU.
- AS THIS GOES ON AND CONSUMERS MAKE KNOWN WHAT IT IS THEY WANT IN AND OUT OF FOOD THE INDUSTRY REACTS
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, June 8, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- . consume. consume.
- such time as I may consume. such time as I may consume.
- . consume. consume.
- consume for the purpose of closing. consume for the purpose of closing.
- . consume. consume.
AL
Transcript Highlights:
- consumer by Senator Chamblas relating to consumer protection.
- Mr. consumer protection. B pending. Mr. consumer protection. B pending. Mr.
- services privately highle service services privately highle service services layered on communications
- B provides common services resources. B provides common services resources.
- This is a a volunteer their services. This is a a volunteer their services.
NV
Nevada 2025 Regular Session
Senate Committee on Commerce and Labor Jun 1st, 2025 at 08:00 am
Commerce and Labor
Transcript Highlights:
- Thank you for your time and your service to the state of Nevada.
- And the part of the bill I'm most excited about is the direct-to-consumer shipping out of state.
- That means 98% of beer consumed here comes from outside of our state.
- It is a game changer for local business growth and consumer access.
- We think that this will help us with a lot of our issues with getting our beer to consumers.
CA
California 2025-2026 Regular Session
Assembly Environmental Safety and Toxic Materials Committee Apr 29th, 2025
Transcript Highlights:
- Americans are among the world's biggest consumers of UPFs.
- Americans are among the world's biggest consumers of UPFs, more than half of the calories we consume
- John Hewitt, on behalf of the Consumer Brands Association.
- I wanted to start John Hewitt, on behalf of the Consumer Brands Association.
- You know, the ban on glitter will hit some consumers and retailers hard when consumers come and they're
Summary:
The committee heard a series of environmental safety and toxic materials measures, with several bills moving forward on unanimous or near-unanimous votes to Appropriations. Early in the meeting, the consent calendar was approved, including AB 372, AB 455, AB 1096, AB 1102, and AB 754. AB 362 by Assembly Member Ramos, which would recognize tribal beneficial uses of water and strengthen consultation and protection for tribal water uses, drew strong support from tribes and environmental groups. Water agencies and local government representatives opposed unless amended, raising concerns about CEQA requirements, co-management language, and conflicts with existing water law. The bill advanced to Appropriations, with some members voting aye and others not voting or absent.
AB 728 by Assembly Member Lee would require age verification for the sale of certain anti-aging skin care products to minors. The author and a youth witness described social media-driven use of adult skin products by children and alleged skin damage, while supporters argued age checks are a reasonable consumer protection. Dermatologists and retailers opposed the bill, saying it could restrict legitimate acne and other medical uses of over-the-counter products, create compliance problems, and lacked a clear scientific basis. The committee discussed possible ambiguity in the bill’s definition of anti-aging products, but the measure still passed to Appropriations.
AB 532 on low-income water rate assistance, AB 773 on copper-based anti-fouling paint, AB 998 on household hazardous waste disposal of vape pens, AB 1031 on geothermal hazardous waste fees, and AB 864 on solar panel hazardous waste and recycling all received strong support and advanced to Appropriations. Supporters for AB 532 emphasized water affordability and local program authority; AB 773 supporters said conflicting state water and pesticide rules are creating confusion for harbors and cities; AB 998 was presented as a practical way to let schools and local facilities dispose of confiscated vape devices safely; AB 1031 was framed as reducing DTSC fee burdens on geothermal development in Imperial County; and AB 864 would ease recycling and reuse of end-of-life solar panels. The committee also began hearing AB 1264 on ultra-processed foods in school meals, with the author and supporters arguing it would phase out the most harmful ultra-processed foods from school meals by 2032, but the transcript cuts off before the full discussion and any action on that bill.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, November 19, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- such time as I may consume. such time as I may consume.
- such time as I may consume. such time as I may consume.
- I may consume. I may consume.
- Services. Services.
- Chair, I yield myself such time as I may<04:00:02.960>
consume. may consume. may consume.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Jul 9th, 2025
Transcript Highlights:
- Myra Baena with the Mesa Verde Group, on behalf of the Consumer Federation of California, in support.
- I also like to mention joining me today is Tony Signorelli, deputy commissioner for consumer services
- The goal of SB 495 is to simplify the process for consumers already facing traumatic experiences.
- Maida Baena with the Mesa Verde group on behalf of the Consumer Federation of California.
- Tony Signorelli, Deputy Commissioner, Consumer Services, Department of Insurance. That's correct.
Summary:
The Assembly Insurance Committee met to hear several bills related to insurance coverage, wildfire risk, workers’ compensation, and paid family leave. SB 8 by Senator Ashby would extend workers’ compensation and disability protections to Sacramento County park rangers, with testimony emphasizing that they perform law-enforcement-like duties and should receive the same protections as comparable officers. SB 429 by Senator Cortese would create a public wildfire catastrophe model and related wildfire safety program, with support from the Department of Insurance and consumer advocates who said public access to modeling data would improve transparency and help evaluate private insurance risk models.
The committee also heard SB 525 by Senator Jones, which would require the FAIR Plan to offer coverage options for manufactured and mobile home owners, including replacement cost coverage. Supporters said the bill would help lower-income residents obtain meaningful insurance protection, while no opposition testified. SB 495 by Senator Allen, as amended, would require insurers to provide a larger contents-coverage advance after a total loss during a declared emergency without requiring an immediate itemized inventory, extend proof-of-loss deadlines, and require insurers to provide catastrophe modeling and reinsurance data to the Department of Insurance. Several insurers withdrew opposition after amendments, and the Department of Insurance and United Policyholders supported the measure.
SB 590 by Senator Durazo would expand paid family leave to cover care for designated persons or chosen family members, with strong support from AARP, labor, civil rights, caregiving, and health organizations, and testimony from a parent describing the need to care for a non-legal family member during surgery recovery. The committee also took up consent items SB 230 and SB 854. After roll calls, SB 8, SB 429, SB 495, SB 525, and SB 590 all received do-pass votes, with SB 429 sent to the Committee on Emergency Management, SB 495 to Judiciary, and SB 525 and SB 590 to Appropriations. The consent calendar bills were also approved, and the committee adjourned.
HI
Hawaii 2026 Regular Session
TRN Public Hearing - Tue Mar 24, 2026 @ 9:00 AM HST
Transcript Highlights:
- rates while costs to provide service rates while costs to provide service rise. rise. rise.
- that it cost on the >> For the consumer that it cost on the consumers. consumers. consumers.
- >> So what services subsidies? >> So what services subsidies?
- continue service to the neighbor island? continue service to the neighbor island?
- Customer Services in support. Customer Services in support.
Summary:
The committee heard SB 2694 SD2, which would authorize the Public Utilities Commission to create automatic adjustment mechanisms for water carriers, including a water carrier inflationary cost index, and to waive certain requirements under the Hawaii Water Carrier Act. Testimony was sharply divided. The Department of Transportation, Young Brothers, and several shipping, harbor, labor, and business-related supporters argued the bill would modernize regulation, reduce the need for large catch-up rate cases, and help keep rates aligned with rising costs. Young Brothers said its current rate-setting process is expensive and delayed, and that annual adjustments with guardrails such as a 5% cap and periodic full reviews would support sustainable operations and the state’s supply chain. Some supporters also said the company’s less-than-container-load service and required inter-island routes create costs that are not fully covered by current rates.
Opponents, including the Consumer Advocate, the Maui Chamber of Commerce, Hawaii Food Industry Association, restaurant and chamber groups, and other businesses, argued the bill would lead to higher costs for consumers and businesses and should not move forward. Several testified that shipping costs already significantly affect pricing and that automatic increases would worsen the cost of living. The Consumer Advocate said Young Brothers should focus on cost control and implementing its business plan rather than automatic rate increases. The Maui Chamber and others pointed to a recent PUC decision that imposed a two-year stay on rate increases and said the bill would undermine that protection. Some opponents urged the committee to defer to the PUC’s regulatory authority.
The PUC explained that it regulates water carriers as public utilities under existing statute and said it had recently approved a temporary rate increase while imposing a two-year stayout period on further increases, with emergency relief still possible. PUC members said they were still examining whether they have authority to adopt the proposed WICI mechanism by rule and wanted legislative clarity. In response to questions, the PUC said it prefers the current two-year stayout as reflected in its order. Young Brothers also clarified that it serves less-than-container-load cargo, that some routes and services are cross-subsidized because they are not profitable, and that an independent observer is being put in place to monitor implementation of its updated business plan. The transcript ended with the committee still taking questions; no final vote or disposition on the bill was shown.
VT
Transcript Highlights:
- with the definition of consumer in the data privacy bill S71 that we just passed recently.
- We passed it as a consumer protection bill.
- So, Economic Development said, "Hey, this is a consumer protection bill.
- It belongs here in this consumer protection bill that we're proposing to update."
- Services like specialized supports, transportation, and back office functions.
KY
Kentucky 2026 Regular Session
House Standing Committee on Natural Resources and Energy. (2-17-26)
Natural Resources & Energy
Transcript Highlights:
- always pretty much, PSC has allowed member utilities to pass fuel adjustment increases onto the consumers
- always pretty much, PSC has allowed member utilities to pass fuel adjustment increases onto the consumers
- always pretty much, PSC has allowed member utilities to pass fuel adjustment increases onto the consumers
- make it uh easier for for the consumers. make it uh easier for for the consumers.
- And so what the chairman said this would just simply give the PSC another tool to help out consumers
Summary:
The committee met with a quorum to consider Senate Bill 172, which would address utility fuel adjustment charges and include an emergency clause. The sponsor, Senator Philip Wheeler, explained that the bill is intended to give the Public Service Commission another tool to help consumers by allowing fuel costs from recent winter storm spikes to be spread over several months instead of being collected all at once. He emphasized that the bill does not eliminate the fuel adjustment clause or reduce the total amount owed, but is meant to ease the immediate burden on households facing large charges.
Members asked about how the bill would work and whether other entities, such as the PSC or Attorney General, could already do something similar. Wheeler said utilities have sometimes done this in the past, but the bill would make the process clearer and more usable, especially for investor-owned utilities, and the emergency clause is needed so utilities can request the relief in time for the current situation. Representative Fugate clarified for the public that the bill would not raise rates, but would simply spread a charge like $100 over multiple months. Representative Smith raised a separate issue about a different co-op charge, and Wheeler said that was outside the scope of the bill but reflected a broader need to give the PSC consumer-friendly tools.
The committee then took a roll call vote and reported the bill favorably for passage on the House floor. The motion passed with broad support, with Representative Chester-Burton passing and Representative Watkins voting present. The chair also announced that the committee would not meet again that Thursday and would have no further meetings that week.
MO
Missouri 2026 Regular Session
2026 Legislative Session - Day Sixty - Wednesday, April 29
Missouri House Floor Meeting
Transcript Highlights:
- But there's a provision in here that allows for outpatient mental health services.
- We're wanting to put into statute that. of some consumers in that process.
- But at any rate, invaluable service. Otherwise, we would have to spend time...
- But at any rate, invaluable service.
- And there are other people, too, that use this service. It's just so easy.
Summary:
The House convened with prayer and the Pledge of Allegiance, approved the House Journal for the prior day by a 126-0 roll call, and then moved through several points of personal privilege and guest introductions. Members recognized National Fentanyl Awareness Day, honored journalist Ray Hartman with a moment of silence, and welcomed numerous student groups, interns, and other visitors to the chamber.
The main floor action centered on conference committee report HB 2637/HB 3155, a large public safety package. Members discussed its size and scope, including juvenile justice changes, mental health provisions, cyberstalking language, drone restrictions, prosecutorial salaries, and sex offender registry issues. The House first approved a motion allowing conferees to exceed the differences, then adopted the conference report 124-13, passed the bill 119-18, and adopted an emergency clause for the drone-related sections 125-15. Supporters said the bill improved earlier legislation, while opponents criticized the bill’s length and constitutionality.
The House then passed Senate Bill 834, a consumer protection measure combining mortgage modification rules with protections against predatory residential sale-leaseback transactions, by 139-1. Members said it would help homeowners and small businesses and improve transparency. The chamber also passed Senate Bill 937, a land transfer bill authorizing the governor to dispose of certain state properties, by 137-2-1 after a minor amendment, and Senate Bill 938, which raises recording-related fees from $4 to $6 to fund the land survey program and recorder of deeds offices, by 121-21-2. Finally, the House passed House Committee Substitute for Senate Bill 973, a wholesaler/consumer protection bill that was amended to remove a school property right-of-first-refusal provision and add land bank language, by 110-36. The House then announced upcoming committee meetings, noted bills moving to the informal calendar, and adjourned until April 30, 2026.
CA
California 2025-2026 Regular Session
Senate Banking and Financial Institutions Committee Apr 15th, 2026
Banking and Financial Institutions
Transcript Highlights:
- Protection and Innovation to conduct examinations remotely unless an on-site review is needed for consumer
- The bill also... ...unless an on-site review is needed for consumer protection.
- The consumer protection functions in place.
- I'm here on behalf of Danny Kando Kaiser on behalf of the California Low-Income Consumer Coalition.
- These are structural failures in communication, accountability, and basic customer service.
Summary:
The Senate Committee on Banking and Financial Institutions heard SB 1131, which would update the Debt Collection Licensing Act by directing the Department of Financial Protection and Innovation to conduct examinations remotely unless an on-site review is needed, and by allowing the department to rely on recent audits or examinations from other regulators or approved third parties. The bill’s supporters, including representatives of the debt collection industry, said it would reduce duplicative work and lower compliance costs while preserving consumer protections. One opposition witness from the California Low-Income Consumer Coalition said there were still concerns, and the chair noted the need to protect the underlying consumer policy goals. The committee voted do pass and re-refer the bill to Appropriations; it was later confirmed out of committee on a 7-0 vote with absent members added on call.
The committee also heard SB 1291, the “Shine Act,” which would increase transparency and accountability for mutual water company boards by eliminating 24-hour written notice requirements for board meetings, requiring websites with basic information and water quality reports, and directing a comparative analysis of mutual water companies serving disadvantaged communities. Supporters, including community and public health advocates, described problems in Southeast Los Angeles and other areas where residents said they lacked access to board information, notices, and timely water quality disclosures. The California Association of Mutual Water Companies opposed the bill unless amended, arguing it imposed unfunded mandates, assumed broadband and administrative capacity that many small systems do not have, and could push consolidation. After discussion about transparency and the needs of small systems, the committee voted do pass and re-refer the bill to Environmental Quality; it was later confirmed out of committee on a 7-0 vote.
MN
Minnesota 2025-2026 Regular Session
House Energy Finance and Policy Committee 2/19/26
Energy Finance and Policy
Transcript Highlights:
- <01:09:10.640>
for utilities or a defined service area for utilities or a defined service area - running a utility and providing service running a utility and providing service to<01:15:45.600>
- reliable service to Minnesota customers. reliable service to Minnesota customers.
- Uh we've reduced utility consumers.
- service or billing assistance that Mr. service or billing assistance that Mr.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am
Joint Committee on Financial Services
Transcript Highlights:
- I missed my time on Financial Services, which I thought was fantastic.
- Consumers deserve rights that are uniform and enforceable by law.
- Seeing none, thank you for today and for your service on the Newton City Council. Thanks, Seth.
- We bring people in to help with the emergency services, the contractors, et cetera.
- We bring people in to help with the emergency services, the contrast contractors, et cetera.
Summary:
The Joint Committee on Financial Services heard testimony on a wide range of insurance-related bills, with much of the discussion focused on affordable housing insurance, homeowners insurance practices, climate resilience, and consumer protections after property losses. Senators and representatives testified in support of a resolve to create a commission on affordable housing insurance (S. 768/H. 1279), arguing that rising premiums and deductibles are threatening the viability of affordable housing properties and new development. Supporters also backed bills to establish private flood insurance standards (S. 719), create climate-resilient home retrofit grants (S. 720), expand the MVP climate resilience program (H. 1310/S. 686), and protect urban trees and limit insurer-driven tree removals (H. 1316). Several lawmakers and advocates said these measures would help reduce risk, preserve insurability, and address the effects of increasingly severe storms and flooding.
The committee also heard testimony on bills addressing insurer use of aerial imagery (H. 1242/H. 2142) and notice periods for nonrenewals or repairs (H. 4042 and related measures). Supporters said insurers should be allowed to use drones and satellite images but with stronger guardrails, including current photos, disclosure of risk factors, an appeals process, and time to cure defects. They argued that homeowners are sometimes blindsided by nonrenewals based on inaccurate aerial photos or given too little time to make repairs. Opponents from the insurance industry said aerial imagery is already regulated by the Division of Insurance, that additional statutory requirements could create confusion and litigation, and that existing notice rules already provide 45 days for nonrenewals and 60-day limits on cancellations. Industry witnesses also warned that some proposed timelines conflict with current law and could restrict useful underwriting tools.
Another major topic was H. 1077, which would restrict solicitation by restoration companies and public adjusters at fire scenes. A homeowner described being approached immediately after a house fire by restoration and public-adjuster representatives and said the experience was intrusive and overwhelming; supporters said homeowners need time and space to make informed decisions after a disaster. Public adjusters and restoration contractors opposed the bill, saying they provide needed guidance, emergency mitigation, and claims assistance when homeowners are under stress, and that some existing protections already allow consumers to cancel contracts. The hearing ended after all listed witnesses testified, and the committee voted to close the hearing; no bill dispositions were taken during the session.
TX
Transcript Highlights:
- In food delivery, we as consumers can pay extra for priority delivery of 15 to 20 minutes.
- We are one of the country's largest automotive retailers and account servicers.
- . safeguards for consumers while streamlining the obligations placed on service providers, many of whom
- It doesn't have to appoint an agent for service of process.
- Service. Thank you, Senator Blanco. Thank you, Senator.
Bills:
HB111
CA
California 2025-2026 Regular Session
Assembly Governmental Organization Committee Apr 22nd, 2026
Transcript Highlights:
- This is misleading for consumers, and it is also inconsistent.
- Today's consumers demand transparency.
- I'm the Executive Director of the Consumer Federation of California, and we support this bill as a consumer
- Print a different label and let consumers have clarity in what they're buying.
- AB 1585 will give consumers confidence that they are getting what they paid for.
Summary:
The committee heard several bills, with extensive testimony and debate. AB 2507 by Assembly Member Wynn would strengthen state consultation with federally recognized tribal governments by requiring clearer tribal liaison roles, a tribal advisory committee, and more consistent early engagement across agencies. Support came from Wilton Rancheria and the California Tribal Business Alliance, with members praising the bill as improving respect, coordination, and outcomes for tribes. AB 2024, also by Wynn, would require the Outdoor Advertising Act permitting process to reach a determination on submitted applications, aimed at reducing delays and uncertainty; it drew support from the outdoor advertising industry and the California Association of Realtors, with members describing it as a technical cleanup measure. Both bills were later moved to Appropriations, along with a consent calendar of several other measures.
AB 1585 by Assembly Member Connolly would require wine labeled as American to be made from 100% American-grown grapes, aligning the federal “American” label with California’s existing 100% state-origin standard. Supporters, including California wine grape growers, family wineries, consumer advocates, and several local agricultural groups, argued the bill would improve truth in labeling and help struggling growers. Opponents from major wine companies and industry groups warned it could reduce flexibility, create labeling complications, and limit the ability to list varietal and vintage on some blended wines. After a lengthy debate over labeling standards, consumer expectations, and impacts on interstate wine sales, the committee passed the bill to Appropriations.
AB 1605 by Assembly Member Ransom would allow judges to place a no-alcohol-sales notice on the licenses of repeat or serious DUI offenders, restricting their ability to purchase alcohol as a preventive measure. Supporters, including the California Police Chiefs Association, the Safe California Roads Coalition, and the California Association of Highway Patrolmen, said the bill would give courts another tool to reduce recidivism and save lives. Retailers and restaurant representatives raised concerns about implementation and ID-checking burdens, but the bill was amended and passed to Appropriations. AB 2211 by Assembly Member Hoover, which would allow craft distillers to operate a second tasting room, also advanced with support from the California Distillers Association. Finally, AB 1578 by Assembly Member Jackson, presented by Assembly Member Solache, would require anti-hate speech training for local and state elected officials; it drew strong opposition over First Amendment and definitional concerns, and members pressed for a clearer definition of hate speech before further action.