Transcript Highlights:

• She's the consumer reporter at NBC DFW who brought this issue forward.
• We get questions often from consumers about how to shop the market.
• do have that choice and agents can get the best option for that consumer.
• in, in helping the consumer.
• We support the legislation, strong consumer bill.

Transcript Highlights:

• <00:26:30.399> of<00:26:30.559> the consumers of the consumers of the state<00:26:33.440
• <00:58:50.960> from our ambulance riding consumers from our ambulance riding consumers from
• handles um consumer complaints and those handles um consumer complaints and those come<02:28:58.240>
• and useful for consumers.
• and useful for consumers.

Keywords: 928, house, all

Summary: The committee heard testimony on a non-germane amendment to HB 297 that would create the Granite State Home Mitigation and Resiliency Program. Insurance Commissioner DJ Beton, joined by department staff, explained that the proposal is intended to help homeowners afford insurance by funding proactive home improvements that reduce risk and improve insurability. He said the program would be funded by the first $1 million collected annually from the insurance premium tax, with grants of up to $10,000 available on a first-come, first-served basis. Beton described the problem as rising homeowners insurance premiums, hard-market underwriting, nonrenewals, and the resulting shift to more expensive surplus lines coverage. He said eligible projects could include roof fortification, exterior improvements, flood-related foundation work, and removal of hazardous trees or limbs. He cited similar programs in other states, especially Alabama, Louisiana, and North Carolina, as evidence the model can work and noted that industry representatives were present in support. He also said the program would use means testing aligned with the Department of Energy’s weatherization program to target lower-income applicants. Members asked about the non-germane process, who would administer the program, and how the bill would prevent misuse of grant funds. The commissioner said the department would administer the program using one repurposed existing position, with Treasury handling fund flow through an MOU. Staff explained that applicants would have to show completed work through a signed contract, itemized work, and a sworn contractor affidavit, with some upfront payment allowed for materials and the remainder paid after completion. The chair and members discussed that the amendment is being attached to a different bill only to move the proposal through committee and on to House Finance for further consideration.

Transcript Highlights:

• In the area of insurance and consumer protection, we're going to start with the Division of Consumer
• In the area of insurance and consumer protection, we're going to start with Division of Consumer Services
• In the same area of assisting insurance consumers, we have an insurance consumer advocate, which is appointed
• The impacted areas dealt with thousands of insurance consumers.
• In the same area of assisting insurance consumers, we have an insurance consumer advocate, which is appointed

Summary: The State Administration Budget Subcommittee met for an introductory overview of the agencies under its jurisdiction and their current-year budgets. Chair Vicki Lopez welcomed members and staff, and each member briefly introduced themselves and identified areas of interest, with recurring themes including fiscal restraint, insurance regulation, revenue administration, condominium issues, and government efficiency. The chair then outlined the subcommittee’s overall budget, about $3.1 billion, and noted major recent policy areas affecting the budget such as condominium legislation and emergency communications funding. Agency heads then presented high-level summaries of their missions and budgets. The Department of Revenue described property tax oversight, tax administration, and child support enforcement; the Department of Management Services reviewed state purchasing, telecommunications, fleet, state insurance, retirement, and digital services; DBPR highlighted licensing, enforcement, condominiums, and building code work; DFS covered insurance consumer services, risk management, unclaimed property, fire marshal functions, and criminal investigations; the Gaming Control Commission discussed pari-mutuel and tribal gaming oversight and enforcement; OIR explained insurer solvency and rate review; the Lottery emphasized education funding and record sales; OFR described regulation of banking, securities, lending, and money services; DOAH outlined administrative and workers’ compensation adjudication; PSC covered utility rate regulation and consumer complaints; PERC described labor relations and career service appeals; and FCHR summarized discrimination complaint investigations and outreach. Several members asked questions about utility returns, insurance regulation staffing, DMS’s state employee health plan deficit and prescription drug formulary management, agency recommendations for reducing regulatory burden, and state facilities usage. Responses generally emphasized that utility rates and insurer filings are determined through evidentiary and actuarial processes, that OIR has reduced vacancies but still seeks specialized staff and a Tampa office expansion, and that DMS acknowledged rising health plan costs and said the issue likely requires broader budget-level discussion. The chair also pressed multiple presenters to stay focused on agency operations and budgets rather than broader policy issues. No votes or formal actions were taken in the meeting.

Transcript Highlights:

• From my conversation, Chairman Swer and I know we share a commitment to balancing consumer protection
• But we do what we can to actually lower rates for the consumers at the end of the day because they're
• But we do what we can to actually lower rates for the consumers at the end of the day because they're
• If companies overprice, consumers can go elsewhere. Don't change that in the market.
• Their consumer scoring that they put out last year, as to the report of consumer essentially satisfaction

Summary: The committee first took up several bills and voted them out favorably without amendment: SB 2857, relating to prescription drug purchasing proof for certain health benefit plan issuers and employers; SB 1307, relating to the biennial health coverage reference guide; and SB 527, relating to health benefit coverage for general anesthesia for certain pediatric dental services. Each of those motions passed on a 7-0 roll call. The main discussion centered on SB 1643, which would require prior approval from the Texas Department of Insurance for property and casualty rate changes above 10% from a previously filed rate. The chair framed it as a response to rate volatility and rising homeowners and auto premiums, while several members questioned whether it would slow a market that is already stabilizing and could encourage insurers to file repeated increases just under the threshold. Witnesses from consumer groups supported tighter oversight and argued for a lower threshold, while insurance industry representatives opposed the bill, saying Texas’s file-and-use system and competitive market work better and that the proposal could increase costs or create uncertainty. After testimony, SB 1643 was left pending. The committee then heard SB 1642, which would replace the single Texas Department of Insurance commissioner with a three-commissioner structure and an executive director. Supporters said it could improve accountability and transparency, while opponents argued the current single-commissioner model is more efficient and avoids confusion and added cost. Witnesses also raised concerns about open meetings issues, administrative expense, and the lack of a clear model from other states. SB 1642 was also left pending. Finally, the committee heard SB 2530, the Texas Windstorm Insurance Association omnibus bill. The bill would make a number of changes to TWIA’s governance and finances, including exempting TWIA from certain taxes, moving its headquarters to a coastal county, changing board composition and voting rules, and lowering the probable maximum loss standard from 1-in-100 to 1-in-50. Supporters said the bill would strengthen TWIA’s reserve funding and improve local relevance, while opponents warned it could increase assessments, reduce reinsurance protection, and create operational risks by relocating the headquarters to the coast. The bill was left pending, and the committee then adjourned.

Transcript Highlights:

• We also make the grades easy for consumers to see.
• confidence report that already goes out to consumers.
• that already goes out to consumers.
• If the system changes ownership, the new owner, that already goes out to consumers.
• EPA did rewrite the regulations for the Consumer Confidence Report.

Summary: The committee first took up Senate Bill 953, which the chair described as protecting environmental funds and, through a committee substitute, adding provisions from House Bill 1885 and Senate Bill 1397. Members discussed changes to the Clean Water Commission conflict-of-interest rules and a water-storage/right-to-return-flows provision for Corps of Engineers reservoirs. The committee also adopted an amendment from House Bill 1376 that would exempt certain agricultural nonpoint sources and agricultural stormwater discharges from permitting requirements, prompting debate over potential effects on accountability and future litigation. After roll call, the committee voted 6-5-1 to report the House Committee Substitute for Senate Bill 953 do pass. The committee then heard House Bill 3193, a plastic waste reduction bill for Missouri state parks and historic sites. The sponsor and supporters said the bill would phase out certain single-use plastics in parks, including Styrofoam, plastic bags, and plastic water bottles, while allowing exceptions where needed. Supporters included environmental advocates, the Conservation Federation of Missouri, the Missouri Stream Team Watershed Coalition, and Missouri beverage industry representatives who emphasized litter reduction, microplastics, tourism impacts, and the need for reasonable alternatives. Some members raised concerns about disability access and the need for substitutes such as bendy straws or reusable containers, but the hearing concluded without opposition testimony. Finally, the committee heard House Bill 3320, the Drinking Water Transparency and Accountability Act. The sponsor said the bill would require DNR to assign A-F grades to community water systems based on compliance, finances, operations, and infrastructure, post the grades publicly, and impose stronger oversight on systems graded D or F, including limits on new debt and restrictions on using water revenues for unrelated purposes. Supporters said the bill would improve transparency and help communities understand system problems earlier, while opponents from municipal utilities and water associations argued that current consumer confidence reports already provide the information, that a single letter grade oversimplifies a technical field, and that the bill could create confusion or unfairly damage trust. The committee heard both support and opposition, plus informational testimony, and then adjourned without taking final action on HB 3320.

Transcript Highlights:

• Welcome to the Assembly Privacy and Consumer Protection Committee hearing.
• with regard to their consumer protection laws to start with.
• SB 378 will provide the tools needed to protect legal businesses, workers, and consumers.
• Consumers are not aware of what they're buying.
• It is a good consumer protection bill. I'm very happy to support it today.

Summary: The Assembly Privacy and Consumer Protection Committee heard several bills focused on AI, immigration-related health care protections, digital financial assets, and online cannabis/hemp sales. SB 69 by Senator McNerney would create an AI-focused team within the Department of Justice to build enforcement expertise on civil rights, public safety, and legal issues tied to AI. SB 81 by Senator Arreguín would codify hospital and health facility policies limiting disclosure of patient immigration status and restricting immigration enforcement access without a judicial warrant. SB 97 by Senator Grayson would update and clarify California’s digital financial assets licensing law. SB 243 by Senator Padilla would impose guardrails on AI companion chatbots, including disclosures, anti-addictive design limits, self-harm protocols, and a private right of action. SB 378 by Senator Wiener would allow civil penalties against online marketplaces that advertise illicit intoxicating hemp and unlicensed cannabis products. Testimony on SB 69 emphasized that California needs in-house AI enforcement expertise at the DOJ; supporters said AG offices generally lack tech-policy specialists, while members asked about the Attorney General’s role and noted the office was neutral. SB 81 drew broad support from nurses, immigrant advocates, hospitals, labor, and community groups, who argued that hospitals should remain safe places for care regardless of immigration status; there was no opposition. SB 97 was described as a technical cleanup bill with stakeholder consensus, and the main public comment focused on ensuring blockchain-based nonfinancial products are not unintentionally swept into the law. SB 243 generated the most debate. Supporters, including the mother of a Florida teen who died by suicide after interacting with a chatbot, urged stronger protections for minors and vulnerable users. Opponents argued the bill’s definitions were too broad and could capture general-purpose AI systems, and raised concerns about privacy, cost, and a private right of action. Committee members largely supported the bill’s intent and discussed the need for guardrails without stifling innovation. SB 378 was supported by cannabis workers, retailers, and local government representatives who said online sales of untested intoxicating hemp and illegal cannabis are harming public health and the legal market; opponents from hemp and tech groups argued the bill could sweep in lawful hemp businesses and that definitions need refinement. The committee ultimately passed SB 69, SB 81, SB 97, SB 243, and SB 378, with SB 81 and SB 243 amended, and all five bills were sent onward to their next committees.

Transcript Highlights:

• First, it establishes, as I said, strong consumer protections.
• The unregulated environment creates no protections for consumers.
• Protections for consumers.
• Because first and foremost, I think you heard in my testimony, it's consumer protection.
• It shrinks the black market, it raises new revenue, and it protects the consumer.

Keywords: 995, all

Summary: The committee on Economic Development and Emerging Technologies, chaired by Rep. Carole Fiola and Sen. Barry Finegold, held a lengthy hearing on a range of gambling-related bills. Testimony first focused on H. 496 to allow the Massachusetts Gaming Commission to authorize Plain Ridge Park Casino to add table games and more slot machines. Supporters, including Rep. Jeffrey Roy, Sen. Finegold, Rep. Barry R. Finegold, Rep. Brian Vaughn, and Plainville officials, argued the change was needed to keep Massachusetts gaming dollars from flowing to Rhode Island, protect jobs, and preserve local tax revenue. They described Plain Ridge as a strong community partner and cited host-community benefits such as municipal infrastructure projects and local aid. Opponents or skeptical witnesses later argued that expanded gambling, especially online, would increase harm and cannibalize existing casinos and local economies. The committee also heard testimony on bills related to sports betting restrictions and online gambling. Sen. John Keenan presented a “Better Health Act” proposal to ban prop bets and in-play bets, require affordability checks, prohibit hosts, raise the sports betting excise tax, expand funding for problem-gambling services, and increase research and data sharing. He and supporters framed the bill as a public-health response to addiction, suicide, bankruptcy, and other harms. Rep. David Nangle, speaking from personal experience with gambling addiction, strongly opposed internet gaming, warning that it would intensify addiction and expose children and families to 24/7 gambling on phones. In contrast, Rep. David Moradian and industry witnesses supported H. 4431 to legalize and regulate internet gaming, arguing it would bring illegal activity into a regulated market, generate new revenue, and include consumer protections such as age verification, deposit limits, self-exclusion, and responsible-gaming tools. The committee also took testimony on H. 4238, which would expand fundraising options for fraternal organizations, especially the Elks. Rep. Bruce Ayers and Elks representatives said the bill would help lodges raise money for scholarships, veterans’ services, and community programs after COVID-related losses and declining membership. On H. 480, Rep. Kathleen LaNatra, Rep. Badger, and representatives of veterans organizations and gaming-machine operators urged allowing qualified veterans groups to participate in certain video gaming activity, saying it would provide a sustainable revenue source to keep posts open and support veterans’ services. Dr. Rachel Volberg testified that expanding gambling, especially online gambling and slot machines at veterans organizations, would likely increase gambling harm, and she urged stronger harm-prevention measures, data reporting, and research funding. Other witnesses, including anti-gambling advocates and industry representatives, sharply disagreed over whether legalization would reduce illegal gambling or worsen addiction and social costs. No votes or final actions were taken during the hearing.

Transcript Highlights:

• Thank you. relating to consumer protection. First relating to consumer protection.
• >> Consumer Protection. >> I'm sorry.
• >> Consumer Protection. >> I'm sorry.
• <00:27:27.279> about behalf of their um, consumers about behalf of their um, consumers about
• c><00:27:34.080> those<00:27:34.320> are consumer complaints to us, those are consumer

Keywords: 912, senate, all

Summary: The joint hearing covered SB 2120, which would allow certain state and county employees rehired within one year to transfer accrued vacation and sick leave and extend the break-in-service period for health benefits. Testimony was split: the Department of Human Resources explained current leave payout and pension credit rules and raised concerns about the long transfer window, while labor representatives supported the measure. During decision-making, both committees recommended passage with amendments. The amendments narrowed the bill by changing the break-in-service period to 180 days for leave beginning on or after July 1, 2026, making the benefit transfer voluntary with a 90-day notice deadline, and changing the effective date to January 1, 2077. The recommendations were adopted by vote. The committees also heard SB 2523, an appropriation for the City and County of Honolulu Department of Information Technology to modernize the driver’s license and motor vehicle system. DIT described the current COBOL-based mainframe as decades old, said the project would use a code-share arrangement with Arizona, and estimated a $10 million, two-year conversion and rollout. Members questioned the cost, the city-state funding arrangement, and the feasibility of the project, including whether it would move to a cloud-based system. After testimony, both committees deferred the measure. In the Energy and Intergovernmental Affairs portion, SB 2032 on consumer protection for solar sales drew broad support from the Hawaii Green Infrastructure Authority, the Office of Consumer Protection, the Hawaii Solar Energy Association, and others. Testifiers said the bill was needed in response to misleading solar door-to-door sales and urged amendments to clarify “contractual affiliation,” exclude balcony/portable solar devices, and require disclosure of cash and financed prices. The committee then moved on to SB 2079 on vehicle titles, which had one supporter and one opponent but no testimony in person or online, and SB 2241 on zero-emission vehicles, for which the Hawaii State Energy Office submitted written support. The hearing also began discussion of SB 2579 on water-related grants, where agencies said any program would need clearer statutory standards and likely a feasibility study before implementation.

Transcript Highlights:

• THE CONSUMER REPS THANKS TO FUNDING FROM THE ROBERT WOOD JOHNSON FOUNDATION.
• TIME-CONSUMING. BUT WHAT IS THE BASIS FOR THE COVERAGE DETERMINATION.
• HOW DOES A CONSUMER KNOW WHETHER OR NOT IT AN APPEAL.
• AGAIN, FOR CONSUMERS AND CENSORING THE CONSUMER EXPERIENCE, THAT'S WHAT THIS IS ALL ABOUT.
• SEPARATE FROM THE CONSUMER REPORT MR.

Transcript Highlights:

• Members, this requirement may have at one point been aimed at consumer protection.
• There was the question about, um, Uh, the What, what goes out to a consumer, the, the Consumer Protection
• That, um, that will basically obscure what, what the message is to the consumer.
• A consumer is contacted by telephone.
• Um, again members, HB 3002 is a consumer protection bill.

Bills: HJR40

Keywords: Medicaid, healthcare access, Affordable Care Act, federal funding, constitutional amendment

Transcript Highlights:

• This section allows financial service providers to communicate with a consumer through a trusted contact
• :02:15.040> communicate<00:02:15.640> with<00:02:16.000> a<00:02:16.080> consumer
• providers to communicate with a consumer providers to communicate with a consumer through<00:02:
• The last section for the consumer protection, insurance, and financial products articles is the same
• things can change, but a consumer things can change, but a consumer deserves<00:52:19.120> the

Keywords: 918, senate, all

Summary: The committee met to walk through nonpartisan side-by-side comparisons of House File 4188, focusing on differences between House and Senate language across consumer protection, insurance, financial services, health, and technical provisions. Staff highlighted numerous Senate-only items, including rules for financial providers communicating through trusted contacts, virtual currency requirements for banks and credit unions, a prohibition on virtual currency kiosks beginning in 2026, mortgage servicing and student loan servicing changes, the Rental Home Marketplace Guarantees Act, insurance and travel-related provisions, scrap metal licensing changes, protections related to minors accessing chatbots and AI companions, and several technical or conforming repealers. Staff also noted that some provisions were identical or substantially similar between the chambers, including mortgage originator standards, student loan borrower protections, securities-related changes, unclaimed property provisions, and technical updates in the bill’s miscellaneous articles. The Senate-only health-related articles were also summarized, including repeal of the prescription drug affordability advisory council, technical changes to the reinsurance program, and a series of health insurance provisions on enrollment-growth notices, limits on officer and director salary increases under certain capital conditions, guaranteed issue rights for certain Medicare supplement enrollees, data-sharing between Commerce and Health, restrictions on using artificial intelligence alone to deny claims, reimbursement for clinical trainees, home care nursing coverage, and PBM transparency. The Senate’s telecommunications article was described as largely technical and conforming, with repeals of obsolete statutes. Staff also noted that some standalone bills had already passed and would be removed from the comparison report. Public testimony followed. Thomas Elness of AARP Minnesota supported inclusion of the cryptocurrency kiosk bill, expressed support for guaranteed issue protections for a narrow group of consumers affected by discontinued plans, and urged adoption of changes to the consumer protection restitution account, including raising the cap to $10 million per fiscal year. Representative Lee testified that the restitution account proposal should be treated as policy rather than finance because it has a zero fiscal note, and said the House would accept the Senate’s $10 million cap. Robin Rowan, representing the Minnesota Insurance and Financial Services Council and the U.S. Travel Insurance Association, urged adoption of Senate travel insurance language, requested a House-style change to lead-generation recordkeeping language, and supported a Senate provision allowing employers and insurers to coordinate notice to employees when group policies are cancelled. The Department of Commerce then responded to questions, explaining that the prescription drug affordability council would be sunset because the board already has other avenues for public input, that the reinsurance changes were technical and did not alter the prior agreement, and that the abandoned cryptocurrency provisions rely on statutory definitions of inactivity and known examples such as keys stored in safes or deposit boxes.

Transcript Highlights:

• And then skip right over to the consumer protections, which is enforced by the AGO.
• And I think it's up to, you know, the consumers are definitely taking a look at it.
• And I think what we hear from our consumers, from our perspective, ...at it.
• We want to be very clear about that to the consumer.
• I don't think everybody should avoid penalties, providers and consumers.

Keywords: 995, all

Summary: The Special Commission on Continuing Care Retirement Communities met for its third meeting, focused on regulations, oversight, and enforcement. Staff and agency presenters reviewed the current framework: the Executive Office of Aging and Independence explained that assisted living regulations generally do not apply to CCRCs unless an assisted living component markets itself separately, and that CCRCs must submit marketing materials, contracts, and disclosure statements for public posting. The Attorney General’s office described Chapter 93A consumer protection standards and noted it is working on draft assisted living-specific regulations. DPH outlined its oversight of licensed nursing facilities associated with some CCRCs, including routine surveys, complaint investigations, and enforcement tools such as admissions freezes, fines, receivership, and license actions, along with federal CMS sanctions for certified facilities. Commission members and presenters then discussed gaps and ambiguities in how CCRCs are defined and regulated, especially whether communities without on-site skilled nursing should still be treated as CCRCs, how assisted living-like services within CCRCs are classified, and whether residents have enough clarity about the services they are buying. A major theme was disclosure: members raised concerns about entrance fees, refund timing and conditions, whether skilled nursing is on-site or provided by contract, and how residents can compare communities. Several participants suggested more standardized disclosure and possibly broader consumer protection rules, while others cautioned that overly rigid requirements could affect community finances and development. The commission also explored enforcement and resident protections. Some members argued that independent living residents are already covered by landlord-tenant law and that existing complaint systems and community education may be sufficient, while others said residents in supported or assisted settings within CCRCs should have clearer access to ombudsman services and oversight. The discussion turned to closure and ownership transfer, with members citing recent national examples of sales and bankruptcies that changed resident terms. DPH explained its closure process for licensed nursing facilities, and members noted that Chapter 197 of 2024 adds oversight for facility transfers and financial disclosures. The meeting ended with logistics for the next session at Brookhaven at Lexington on June 2, a public hearing on June 16, and a request to circulate the hearing notice broadly to residents and stakeholder organizations.

Transcript Highlights:

• Mayra Baena with the Mesa Verde Group on behalf of the Consumer Federation of California in support.
• We don't think it reduces costs for affordability for consumers or to help drivers. Thank you.
• One, we have been discussing all these issues with our friends at the consumer attorneys for several
• There's still data that I know that's been requested by our side, by the consumer attorneys, as well
• And I also think about the consumer protection piece around this.

Keywords: 988, house, all

Transcript Highlights:

• <00:26:30.399> of<00:26:30.559> the consumers of the consumers of the state<00:26:33.440
• <00:58:50.960> from our ambulance riding consumers from our ambulance riding consumers from
• We have a consumer division. We have the ability to process complaints.
• Um, we have, as I mentioned, the Consumer Services Division that handles consumer complaints, and those
• file for which consumers can go and get price estimates on their own.

Keywords: 928, house, all

Summary: The committee took up HB 297 with a non-germane amendment proposed by the Insurance Department to create the Granite State Home Mitigation and Resiliency Program. Commissioner DJ Beton explained that the program is intended to help homeowners reduce rising insurance premiums and avoid surplus lines coverage by funding proactive home and property improvements such as roof fortification, exterior and foundation work, flood protection, and tree removal. He said the proposal was developed after leadership asked for more statutory detail and for the idea to be vetted through policy committees rather than handled only in the budget process. Beton said the program would be funded by the first $1 million collected annually from the insurance premium tax, with grants of up to $10,000 awarded on a first-come, first-served basis. He described the program as modeled on similar efforts in other states, with means testing tied to the Department of Energy’s weatherization/home heating assistance criteria. He also said the department would administer the program using one existing staff position, with coordination through Treasury, and that unspent funds would roll over for several years before reverting to the general fund. Members asked about the unusual use of a non-germane amendment and how the bill would be handled procedurally, since the underlying bill and the new insurance proposal were unrelated. The chair explained that the amendment was being used as a vehicle to move the department’s proposal through the committee process and that the committee could later accept one part, both parts, or neither. No vote was taken in the portion of the meeting shown; the discussion ended with questions about administration, staffing, and the relationship between the underlying bill and the amendment.

Transcript Highlights:

• made is going to have less consumer made is going to have less consumer protection.<00:43:39.920
• The board, not the board, consumer.
• u protection on behalf of consumers. u protection on behalf of consumers.
• under New Hampshire's Consumer under New Hampshire's Consumer Protection<01:19:57.920> Law
• chief of the consumer protection bureau. chief of the consumer protection bureau.

Keywords: 928, house, all

Summary: The committee first held a public hearing on Senate Bill 25, which would allow state-chartered credit unions to compensate board members if the membership approves it. Prime sponsor Senator Dan Innis said the bill is enabling only, intended to help credit unions recruit and retain qualified directors and align New Hampshire with other states that already allow such compensation. Credit union representatives from the Cooperative Credit Union Association and St. Mary’s Bank supported the bill, saying board service has become more complex because of cybersecurity, asset-liability management, and other regulatory demands, and that compensation could be modest and take forms such as meeting fees or educational reimbursement. In response to committee questions, they said compensation would be set by the membership, disclosed in advance, and subject to bylaws and internal policies; they also noted that board members must be credit union members and that voting procedures vary by institution, with some using mailed ballots rather than proxy voting. Members raised questions about why credit union boards were historically excluded, what kinds of compensation were contemplated, whether there would be a cap, and how voting and confidentiality would work. Testimony explained that the historical rationale was the nonprofit, volunteer mission of credit unions, but witnesses argued that the modern environment and competition for talent justify a change. They also said the bill would not mandate compensation and would not create a salary structure comparable to banks, but would allow members to approve modest compensation or reimbursements. After no further testimony, the chair closed the public hearing on Senate Bill 25. The committee then opened a public hearing on Senate Bill 26, sponsored by Senator Howard Pearl, concerning the definition of deposits in land sales and escrowed accounts. Pearl said the bill would clarify that buyer funds for upgrades and luxury items in new-home construction are not treated as refundable deposits that must be held in escrow, arguing that the current Attorney General interpretation raises builder costs, increases home prices, and can limit buyer choices. He said the proposal would allow those upgrade funds to be paid directly to builders for construction, with signed disclosures making clear that the buyer requested the items and bears the risk if financing falls through. The hearing on Senate Bill 26 had just begun when the transcript ended.

Transcript Highlights:

• Consumer protection is one of the key factors that policymakers take into account.
• And these unregulated operators provide none of the consumer protections that the legal market does,
• Importantly, consumers currently engaged with offshore sports books are not provided with responsible
• and consumer protection. And so, Mr. and consumer protection. And so, Mr.
• There's also [clears throat] consumers.

Bills: SCR145, SCR132, SCR31, SCR110

Keywords: traffic violations, demerit point system, driver license points, traffic safety, hit and run, reckless driving, repeat offenders, recidivism, Department of Transportation, DOT, task force, traffic enforcement, road safety, vehicle code, license suspension, county police, Hawaii transportation, SCR132, Senate Concurrent Resolution, Makakilo Drive Extension

Transcript Highlights:

• employee salaries for consumer employee salaries for consumer protection.<00:14:54.399> We
• done to protect consumers in the state. state. state.
• ,<00:17:16.640> support worked to educate consumers, support worked to educate consumers,
• Our data shows that only 40% to 48% of consumers receive any refund.
• <01:04:44.240> in concerned about protecting consumers in concerned about protecting consumers

Keywords: 1183, house

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.

Transcript Highlights:

• The office of consumer protection with comments.
• Next measure is SP 2495 relating to consumer protection.
• We'll adjourn this agenda. measure is to provide consumers with the measure is to provide consumers with
• chair, member Mickey for the consumer chair, member Mickey for the consumer advocate.<00:30:42.399
• <01:10:45.840> and operating um well for consumers and operating um well for consumers and

Bills: SB3326, SB2911

Keywords: renewable energy, energy storage, cost reduction, public utilities commission, Hawaii energy policies, intoxicating liquor, direct shipment, breweries, distilleries, Hawaii, 912, senate, all

Summary: The committees heard SB 3001 on artificial intelligence in a joint Commerce and Consumer Protection/Labor and Technology hearing. Testimony included support from the Department of Education and Google, comments from the Office of Consumer Protection and the Attorney General’s office, and late opposition from Agentic LLC. The Attorney General raised constitutional and vagueness concerns and suggested clarifying amendments, while Google said the bill’s risk-based approach and proposed amendments could help establish industry-wide safety standards for minors. The committees recessed and then voted to pass SB 3001 with amendments, adopting DCCA/OCP recommendations on data minimization for minors and UDAP clarity, the Attorney General’s proposed clarifications and deletions, and Google’s nonconflicting amendments; the effective date was deferred to July 1, 2050. The vote passed unanimously among members present, with some members excused. The Commerce and Consumer Protection committee then took up several previously heard measures in decision-making. SB 2045 on combat sports passed with amendments reflecting DCCA and boxing commission recommendations, including clarifying the on-site medical professional requirement, reporting duties, promoter payment, removal of the combat sports registry and ambulance requirement, and other technical changes; the effective date was deferred to July 1, 2050. SP 2347 on the residential landlord-tenant code passed with amendments striking landlord requirements so OCP could work on a multilingual tenant-rights notice, and SP 2495 on consumer protection passed with amendments requiring OCP to publish an annual report on potential code violations. SB 2777 on insurance was deferred to February 17, 2026 for further decision-making. At a later CPN decision-making agenda, SB 2471 and SB 2829, both relating to the powers of artificial persons, passed with amendments clarifying the preamble, removing language about foreign artificial persons, and making other consistency and non-substantive changes; both effective dates were moved to January 1, 2027. SP 2033 on renewable energy also passed with amendments clarifying the definition of grid-ready homes, cost-sharing provisions, applicability to interconnecting customers, and safety/certification compliance, with the effective date deferred to July 1, 2050. In each case, the committee voted to adopt the recommendations without objections from members present. The committees also heard SB 3000 on insurance, which would authorize the Attorney General to bring civil actions to recover costs and losses tied to climate-attributable harm and future climate risk, including costs incurred by state insurance-related entities. The Insurance Division and Attorney General’s office offered comments seeking clarification and warning about redundancy, implementation issues, possible representation of private insurers, and concurrent litigation concerns. Supporters, including the Center for Climate Integrity, a resident testifier, Sierra Club, and Green America, argued the bill would help shift insurance costs to fossil fuel companies responsible for climate harms and address rising premiums and nonrenewals in Hawaii. Opponents, including the American Petroleum Institute, argued the bill singled out one industry, raised constitutional concerns, and should be deferred because related climate litigation is already pending. The transcript ends with the committee continuing testimony and discussion on SB 3000 and then moving into SB 3326 on energy, where the consumer advocate and Hawaiian Electric opposed the bill’s proposed separation of generation from transmission and distribution, while the PUC stood on written testimony, Retail Merchants of Hawaii supported it, and Life of the Land raised concerns about assumptions and the need for more substance.

Transcript Highlights:

• And that really is consumer protection.
• I will tell you, one that I'm concerned about right now is consumer complaints.
• We get about 20,000 consumer complaints per year. We have a small staff.
• We get about 20,000 consumer complaints per year. We have a small staff.
• And granted, maybe it's not a way that's going to satisfy the consumer because there are issues.

Keywords: 1182, all

Transcript Highlights:

• <00:32:49.519> decision Consumer Protection 10:05 a.m. decision Consumer Protection 10:05
• in the arts and commerce and consumer in the arts and commerce and consumer protection<00:36:13.200
• the Office of Consumer the Office of Consumer Protection.<00:36:57.920> Good<00:36:58.160
• state consumer protection laws. Um, we state consumer protection laws.
• So we require, we rely on the consumers to make the complaints to us.

Keywords: 912, senate, all

Summary: At a joint Senate hearing on SCR 198 and SR 178, the committees considered resolutions urging Hawaii insurers and the Hawaii Property Insurance Association to seek subrogation claims against polluters linked to worsening climate impacts and higher insurance costs. Testimony was overwhelmingly supportive, with 47 written testimonies in support and additional oral support from former Honolulu chief resilience officer Josh Tamro. The committees recommended passage with amendments, narrowing the language to refer specifically to polluters who knowingly engaged in misleading and deceptive practices about the connection between their products and climate change, along with technical non-substantive edits. Both committees adopted the amended resolutions by vote. At a separate joint hearing on STR 226 and SR 201, which urged changes to Medicaid 1915 home and community-based services waiver eligibility criteria, supporters argued the current rules and administrative guidance were inconsistent and left some people with intellectual and developmental disabilities, including those with mental health dual diagnoses, without proper access. The Hawaii State Council on Developmental Disabilities and Hawaii Disability Rights Center supported the intent but noted factual issues and said a memo from the department addressed only part of the problem, not the mental health-related concerns. After discussion, the chair concluded the resolution was not the best vehicle and deferred it, suggesting a more comprehensive bill would be needed. The Commerce and Consumer Protection committee also took up HB 799 HD2 SD1 on healthcare and recommended passage with amendments, including striking a written transfer-agreement requirement, shortening the sunset to June 30, 2028, removing a related timeline, and making technical corrections. In another joint hearing, SCR 222 and SR 197, which would have urged towing companies to have on-site ATMs for vehicle owners, drew opposition from the Office of Consumer Protection, which said Act 60 already requires credit and debit card acceptance and that ATMs could let companies evade the law. Members noted ongoing complaints and weak enforcement, and the chair recommended turning the issue into a task force for further study, with decision-making deferred because of quorum issues. The committee also heard several other resolutions: STR 57 and SR 41, urging Congress to create a national reinsurance program, received only supportive testimony; STR 70 and SR 54, calling for a pharmacy reimbursement working group, also drew support; and STR 123, proposing an attorney general-led landlord-tenant working group, received comments from the Attorney General’s Office suggesting a more appropriate lead agency and noting the Legislative Reference Bureau may be better suited to assist. No final adverse action was taken on those measures during the hearing segment described.