Video & Transcript Research : 'Internal Revenue Code'

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MN

Minnesota 2025-2026 Regular Session

Committee on Capital Investment - 04/23/26

Capital Investment

Transcript Highlights:
  • and a lot of information with codes and a lot of information<00:29:53.880> needs<00:29:54.080
  • <00:44:25.880> care systems, and internal care systems, and internal care documentations<00
  • I don't know what the source of revenue would be in this particular case.
  • I don't know what even revenue bonds.
  • would be in this the source of revenue would be in this particular<00:52:37.280> case.
Keywords: 1187, senate, all
MN

Minnesota 2025-2026 Regular Session

Committee on Taxes - 03/19/25

Taxes

Transcript Highlights:
  • consists of about four different Revenue consists of about four different Revenue sources<00:10:
  • with these four different Revenue with these four different Revenue um<00:11:10.200> areas
  • <00:16:08.160> estimate the um Revenue estimate the um Revenue estimate commissioner<00:16
  • Revenue when the Department<00:26:48.919> of<00:26:49.039> Revenue<00:26:49.360> went
  • > and many many years and revenue notices and many many years and revenue notices and fact<00:
Keywords: 1187, senate, all
MS

Mississippi 2026 Regular Session

MS House Floor - 31 March, 2026; 10:00 AM

Mississippi House Floor Meeting

Transcript Highlights:
  • I know it's in the code book and of me.
  • What is a felony identified in the code What is a felony identified in the code section<01:40:06.560
  • I remember, Chairman, we code section.
  • apparently there's enough revenue, gentlemen.
  • I don't know an international license.
Summary: The House convened with prayer, a guest vocalist, and the Pledge of Allegiance before moving into routine business. Members first recognized several special guests and school groups, including championship teams from Simpson County Academy, New Albany High School, Tougaloo College, Madison-Richland Academy, East Rankin Academy, Morton High School, and others, along with honorees such as Dr. Katrina Cox, Pamela Moody, Joe Helen Joey Walker, and Jimmy Carr. The chamber also noted a prior resolution honoring Reverend Dr. Victor Dixon and the Copiah County Ministerial Alliance, and Dr. Dixon led the opening prayer. On the calendar, the House adopted a conference report on House Bill 1752 dealing with judicial salaries. The report set new salary amounts for state court judges effective January 1, 2027, froze district attorney salary increases until January 1, 2028, and then tied DAs to 95% of circuit and chancery judges’ pay. It also removed mandatory raise language for judges and county court judges, and members briefly discussed the broader issue of legislative compensation. The report passed 115-2. The House then adopted a conference report on House Bill 377, the missing persons bill, which clarified definitions, added forensic genetic genealogy testing provisions, and set timelines for law enforcement to enter credible missing-person reports into NamUs and NCIC. That report passed 120-0. The chamber also adopted a conference report on House Bill 525, changing the penalty for sexual battery in a position of trust or authority from a 0-to-30-year range to a 5-to-30-year range; it passed 112-0. Later, the House adopted a conference report on House Bill 925 after removing veto-message language, and adopted another conference report on House Bill 939 combining a low-sat repealer change and a fire truck acquisition program that creates a Fire Equipment Fund supported by recurring black tag revenue. The House also approved unanimous-consent amendments to Senate Bill 3105 and recommitted Senate Bill 2747 for further work.
NH

New Hampshire 2026 Regular Session

House Resources, Recreation and Development (01/21/2026)

Resources, Recreation and Development

Transcript Highlights:
  • performance or a higher net revenue performance or a higher net revenue rather<01:24:43.600>
  • You know, they lost one-third of their state revenue, their state revenue.
  • >> Revenue.
  • This is not a je general revenue stream. This is not a je general revenue stream.
  • any revenue loss. any revenue loss.
Keywords: 1189, house, all
HI

Hawaii 2025 Regular Session

PBS Public Hearing - Wed Jan 29, 2025 @ 9:00 AM HST

Public Safety

Transcript Highlights:
  • um so it it basically Building Code um so it it basically gives<01:44:11.880> a<01:44:12.119>
  • I haven't set codes or anything like that.
  • <01:46:31.199> that<01:46:31.480> the<01:46:31.880> fire Statewide Fire code
  • um but this bill bill 113 the fire code um but this bill bill 113 does<02:05:20.199> very<02:
  • , and we lack a section of the fire code, which is the Wildland Urban Interface fire code, which dictates
Keywords: 910, house, all
Summary: The committee held its first hearing of the 2025 session and began with housekeeping on testimony deadlines, hybrid participation rules, time management, and expectations for civility. The chair said testimony posted at least 24 hours in advance would be available to members and the public at the same time, late testimony would still be processed, and decision-making would generally be deferred to later in the day so morning hearings could adjourn before the noon floor session. The first bill heard was HB 673 on emergency management. Hawaii Emergency Management Agency administrator James Barros testified in opposition, saying the bill could undermine the executive’s unity of command during emergencies and objecting to provisions allowing the legislature to terminate a state of emergency by a two-thirds vote. Members asked about the difference between an emergency order and a state of emergency, whether other states use legislative checks and balances, and whether long-running emergencies such as COVID-19 or homelessness should have clearer end conditions. Barros said the agency, along with the Attorney General’s office and the governor’s office, would review the language and that the issue is setting conditions for when an emergency ends. The committee then heard HB 596, also on emergency management, which would clarify types of events that count as dangers and emergencies. Barros opposed the bill, saying the current list covers known hazards but should remain open-ended for future threats; he cited COVID-19 as an example of an unforeseen event and said the bill could limit flexibility. Members asked whether the list could be expanded, and Barros said the agency would look at that possibility. Testimony included support from the Grassroots Institute of Hawaii and concerns from the Tax Foundation of Hawaii about the bill’s special fund provisions; the committee also corrected testimony that had been submitted for the wrong bill. The final measure discussed was HB 1060 on emergency preparedness and the Community Readiness Center Program. Barros explained the proposal as part of HEMA’s effort to build local readiness centers and community hubs, with an initial target of 10 communities through a federal grant and a longer-term concept of roughly 100 statewide. The Climate Advisory Team supported the bill’s intent but urged that centers be developed with strong community and nonprofit involvement through the HARRP program. The Department of Taxation offered comments on the special fund, and members raised questions about cost, size, use of existing school facilities, public messaging, and equity across communities. Barros said the centers would provide backup communications, power, water, and food for a community group, would not function as general shelters, and would be designed to help communities hunker down and recover after a disaster.
HI

Hawaii 2026 Regular Session

WAM-AEN, WAM-JDC Informational Briefings 01-09-2026

Hawaii Senate Floor Meeting

Transcript Highlights:
  • <01:00:51.480> things, operational things, the internal things, operational things, the internal
  • But internally, minimal qualifications.
  • internal roads, all that kind of thing. internal roads, all that kind of thing.
  • with the competition of international with the competition of international markets. markets. markets
  • themselves out of the ethics code. themselves out of the ethics code.
Keywords: 912, senate, all
CA
Transcript Highlights:
  • With me today is Shea Brown, the CEO and founder of Babel AI and a member of the International Association
  • My name is Shea Brown, and I’m speaking today on behalf of the International Association of Algorithmic
  • The ISO system, International Standards Organization, has a variety of...
  • Exposed internal studies and documents have revealed that Meta, TikTok, Snapchat, are all undeniably
  • This is the common law tour of negligence and it's codified in the civil code.
Summary: The committee heard several privacy and consumer protection bills, with most of the discussion focused on AI and social media. AB 1405 would create a state registry for AI auditors and set basic transparency, ethics, and qualification standards for those auditors; supporters said it would build trust and provide a foundation for future AI oversight, while some members questioned whether government should define auditor qualifications instead of industry groups. The bill was moved out on a 5-1 vote to Appropriations, with the roll left open. AB 2, by Assemblymember Lowenthal, would impose enhanced financial penalties on large social media companies when their negligence causes harm to children and teens. Supporters, including a grieving parent and Common Sense Media, argued the bill would create accountability for harmful algorithms and design choices, while opponents from TechNet, EFF, CCIA, and CalChamber warned it was vague, could chill speech, invite censorship, and raise Section 230 and First Amendment concerns. Committee members debated private right of action versus public enforcement, possible shakedown lawsuits, and whether the bill should be narrowed; the bill passed 6-0 to Judiciary with the roll left open. AB 410 would expand California’s bot disclosure law so bots must identify themselves up front and truthfully if asked, rather than only prohibiting deceptive bots in limited commercial or election contexts. Supporters said the measure would help users, especially youth and vulnerable people, know when they are interacting with AI and reduce deception online; one privacy group withdrew opposition after amendments, and other industry groups said they were no longer opposed or had no formal position. The bill passed 9-1 to Appropriations with the roll left open. The committee also approved AB 1327, which lets consumers cancel home improvement contracts by email instead of only by mail and requires phone assistance for cancellations; the Contractor State License Board withdrew opposition after amendments, and the bill passed 11-0 to Judiciary with the roll left open.
WA
Transcript Highlights:
  • In 2007, the Legislature clarified the types of activities that could be funded by lodging tax revenue
  • The Department of Revenue collects the lodging tax revenue and distributes it to municipalities.
  • Across both biennia, the majority of OPDP's spending was on internal costs.
  • Statute and grant agreements direct revenue distribution. 53% of the revenues were directed to general
  • revenues generated from the economic impacts of the businesses that use the preference.
Summary: The Joint Legislative Audit and Review Committee met on September 17, 2025, in hybrid format. After roll call, the committee initially lacked a quorum and deferred approval of the July 15 minutes until Representative Berg arrived; the minutes were then adopted. Members also discussed the proposed 2026 JLARC meeting schedule, including possible changes to address crowded July meetings and the annual tax exemption review workload. Staff presented the annual lodging tax expenditures report, noting that 213 municipalities received distributions in 2024, with 91% reporting compliance, $114 million awarded for more than 1,700 activities, and no independent verification of the self-reported data. Several members questioned the value and usefulness of the report, and the executive committee indicated it may recommend removing the statutory reporting requirement. The committee then heard the preliminary performance audit of the Office of Privacy and Data Protection, which found the office meets its statutory responsibilities and has high user satisfaction, but recommended updating the statute to better match the office’s current capacity and focus and improving performance measures to reflect long-term privacy outcomes rather than outputs. Members asked about FERPA and other federal privacy laws, and OPDP staff said they provide general privacy training and consultation but not law-specific training unless requested. The committee adopted the final report on Washington State recreational boating programs without recommendation, after staff reported that boating revenues support both general government and boating activities and that no participating agencies submitted formal comments. Members asked about boater safety education and possible overlap among the six agencies involved; Parks staff said education has reached more than 500,000 boaters and that fatalities and incidents have declined. The committee also reviewed planned study questions for a JLARC review of Labor and Industries’ enforcement of farm worker laws, with members raising scope questions about the term “farm worker” versus “agricultural worker,” and for DNR’s Eastern Washington sustainable harvest calculation, which JLARC will review as DNR completes its recalculation. Finally, staff outlined the 2026 tax preference performance reviews covering seven preferences, and members asked about racial equity, environmental impacts, disclosure of beneficiary savings, and how the reviews will measure effectiveness; the meeting adjourned before noon.
TX
Transcript Highlights:
  • Infrastructure support for all agencies totals $41.1 million in general revenue. revenue, which is an
  • Our total revenue is general revenue, and the other $14 million includes about $12.5 million from the
  • I don't know what the internal conversation has been.
  • TTI's total revenue for the fiscal year was $96 million.
  • UH is now a very selective international institution with an enrollment of almost 40% international students
Bills: SB1, SB 1
CA

California 2025-2026 Regular Session

Senate Labor, Public Employment and Retirement Committee Apr 22nd, 2026

Labor, Public Employment and Retirement

Transcript Highlights:
  • Connor Gussman, on behalf of Unite Here International Union and Teamsters California, in support.
  • The original legislation, in 2011, the International Code of the International Residential Code, and
  • therefore the California Residential Code, was amended to require fire sprinklers in all occupancies,
  • And the last item in the set of amendments, we are adding a new Labor Code provision, which of course
  • And the last item in the set of amendments, we are adding a new Labor Code provision, which of course
Keywords: 987, senate, all
Summary: The committee heard SB 921, which would create a tax credit tied to agricultural overtime wages. Senator Grove argued the measure is intended to help farmworkers recover take-home pay lost after California’s agricultural overtime law reduced hours, and said the credit would apply only after overtime is paid and would not change existing overtime rules. Supporters included farmworkers, the California Farm Bureau, Western Growers, and other agricultural groups, who said the bill would help workers get more hours and more pay while helping employers afford overtime. Labor groups opposed the bill, arguing it would subsidize employers with taxpayer money and undermine the principle that employers, not the public, should bear overtime costs. The bill was held in subcommittee until more members arrived. The committee then took up SB 1083, a follow-up to last year’s school employee misconduct database law. The bill would add an administrative law judge review for classified school employees before they are placed in the statewide egregious misconduct database, require notice when an employee leaves during an investigation, and extend related vetting to certain contractors and non-permanent workers. Supporters, including the California School Employees Association and the California Federation of Teachers, said the measure adds needed due process and parity with certificated employees while preserving student safety. School business officials, administrators, and other education employer groups opposed it, warning that the bill could add duplicative procedures, delay investigations, and weaken the protections created by SB 848. The committee passed SB 1083 on a 3-0 vote, with the bill sent to Appropriations and placed on call. The committee also heard SB 1089, which would require CalPERS health plans to offer GLP-1 medications and expand access through CalRx. The author described the bill as a response to personal experience with obesity treatment costs and argued that broader access could improve health outcomes and reduce long-term costs. The American Diabetes Association and other medical groups supported the bill, saying GLP-1s are effective tools for preventing and managing type 2 diabetes and that access is often limited by insurance coverage and cost. A pharmaceutical industry representative expressed concerns but said discussions were ongoing. The committee approved SB 1089 on a 4-0 vote and sent it to Appropriations. Finally, the committee heard SB 954, which would revise last year’s CEQA exemption for advanced manufacturing by narrowing the exemption and adding environmental, labor, and community protections, including prevailing wage, skilled-and-trained workforce requirements, and review for projects near disadvantaged communities. Labor and environmental groups supported the bill, saying the prior exemption was too broad and could cover highly polluting activities without adequate review. Business and manufacturing groups opposed it, arguing the added restrictions would make the exemption ineffective and push projects and jobs out of California. Members debated the balance between environmental review, labor standards, and manufacturing competitiveness. The bill was passed on a 3-1 vote, with Senator Strickland voting no, and was sent to Appropriations.
MO

Missouri 2026 Regular Session

2026 Legislative Session - Day Fifty Nine - Tuesday, April 28

Missouri House Floor Meeting

Transcript Highlights:
  • To your left, my right, under the column of justice, under the virtue of justice, we have my two interns
  • Removing those from the books is going to save the Department of Revenue...
  • Removing those from the books is going to save the Department of Revenue some time and money.
  • The Department of Revenue treats SALT as a deduction.
  • What the bill does, it just clarifies somewhat more for the Department of Revenue.
Summary: The House opened with prayer and the Pledge of Allegiance, then approved the House Journal for the 58th day by roll call vote, 123-1. Members also introduced a number of special guests, including physicians, sheriffs, students, interns, and a police chief, before moving to third reading and perfection of bills. House Bill 1758, dealing with permanent daylight saving time in Missouri, was debated at length. Supporters said it would end the twice-yearly clock changes and argued it could benefit children, productivity, and quality of life. Opponents warned it would create darker morning commutes, safety concerns, and health issues tied to circadian rhythms. The bill passed third reading by a vote of 107-31 with two present. The chamber then perfected and printed House Bill 3329, which repeals expired or unused tax credits, and House Bill 3405, which clarifies that SALT/pass-through entity provisions are deductions rather than tax credits for Department of Revenue processing. Both bills were described as cleanup and efficiency measures, with supporters emphasizing accountability and reduced manual work at DOR; both moved forward without opposition in committee and were approved on the floor. Finally, House Bill 2426, a parental rights bill, drew extensive debate and an amendment. The bill would elevate parents’ rights in education, medical, privacy, and related decisions to a fundamental-rights standard and add provisions on school records, recordings, evaluations, and certain health-care decisions. Critics argued it was overly broad, could interfere with school operations and existing protections, and might create problems in areas such as IEPs, truancy, and medical consent; supporters said it simply codified and strengthened parental authority. House Amendment 1, focused on IEP procedures and requiring parental consent for major changes, was adopted 98-25 with six present, and debate on the underlying bill continued.
FL

Florida 2026 Regular Session

FL House Floor Session - 2026-03-11 (10:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • She is an intern from UCF.
  • She is an intern from UCF.
  • This bill authorizes clerks to retain the full amount of revenue collected above the Article V Revenue
  • collected above the Article V Revenue Estimating Conference annual revenue projections.
  • She interned for Representative Andrade in the House and also interned for the Southern Group based in
Summary: The Florida Senate convened with a quorum, opened with a prayer and Pledge of Allegiance, and heard several member introductions recognizing guests, interns, public servants, and a resolution honoring Indiana University quarterback Fernando Mendoza for winning the Heisman Trophy. The chamber then moved to the special order calendar and took up a series of bills, with some measures temporarily postponed and others advanced after brief debate and, in several cases, substitution of House companions for Senate bills. The first major bill passed was CS/CS/HB 355 on health care patient protection, which requires hospitals with emergency departments to have pediatric emergency care policies, training, equipment, and a designated pediatric coordinator; it passed 36-0. The Senate also passed CS/HB 1113 on public records, expanding confidentiality protections for victims and temporarily protecting the name of a law enforcement officer who becomes a victim in the line of duty; it passed 33-4. CS/CS/HB 1085 on local government cybersecurity was amended to place the program under the Florida Digital Service and to adjust grant timing, then passed 37-0. CS/CS/HB 925 on clerks of court passed 38-0 after amendments affecting revenue retention, legal notices, traffic citation distributions, and municipal fee sharing. CS/CS/HB 679 on trademark registration modernization and CS/CS/HB 589 on septic permit timing also passed unanimously. The most extensive debate centered on CS/CS/HB 991 / SB 1334, an elections bill that would use Real ID data to verify citizenship, change voter ID rules, alter candidate qualifying requirements, and revise election administration procedures. Senators offered and debated numerous amendments on documentation fees, senior exemptions, human review versus automated systems, student and retirement-center IDs, and effective dates; most were defeated, though one amendment adding stock-trading disclosure language for candidates was adopted. The bill’s sponsor cited election-crimes reports and specific prosecutions involving non-citizens as justification for the measure, while opponents argued it could disenfranchise eligible voters, especially students and seniors. The transcript ends during continued questioning and debate on that elections bill, before final disposition is shown.
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/20/25

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • Since 2012, there have been over 3,000 interns placed.
  • Statewide in 2024 alone 255 interns were Statewide in 2024 alone 255 interns were placed<00:27:45.880
  • code with three coding learned how to code with three coding languages<00:37:34.480> learned<00
  • I also share that the city hosts many interns, and so this year we've committed to hosting 15 interns
  • I also share that the city hosts many interns, and so this year we've committed to hosting 15 interns
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Thursday, May 1, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • chapter 8 of title 5, United States Code chapter 8 of title 5, United States Code of<00:57:44.240
  • internally that now we got to pay back. internally that now we got to pay back.
  • I would like to zero out the tax code, eliminate the income tax, get rid of the IRS.
  • Revenues are projected to do what they do.
  • <04:22:05.920> and those things in terms of revenues and those things in terms of revenues
MN

Minnesota 2025-2026 Regular Session

Committee on Jobs and Economic Development - Part 2 - 04/02/25

Jobs and Economic Development

Transcript Highlights:
  • Senator Latz said that job seekers are often told to scan a QR code and apply online, so being in person
  • inflation they generate crucial Revenue inflation they generate crucial Revenue pay<00:14:54.440
  • <00:54:15.240> since live in a certain zip code since live in a certain zip code since testifying
  • Um, all games are coded, and there's errors in those codes that makes you better, and so taking that
  • <02:02:16.840> and great Gamers um all games are coded and great Gamers um all games are coded
Keywords: 1187, senate, all
MN

Minnesota 2025 1st Special Session

House Education Finance Committee 2/18/25

Education Finance

Transcript Highlights:
  • The next column adds the revenue amounts up, which include the transportation sparsity revenue as well
  • as sparsity Revenue as well as 4.66%<00:15:45.600> of<00:15:45.759> the<00:15:45.920><
  • <00:16:03.160> and $393 million of qualifying revenue and $393 million of qualifying revenue
  • So, out of that $99 million of total transportation sparsity revenue, currently 35% of the qualifying
  • So, out of that $99 million of total transportation sparsity revenue, currently 35% of the qualifying
Bills: HF6, HF52, HF53
MN

Minnesota 2025-2026 Regular Session

Committee on Energy, Utilities, Environment and Climate - 04/08/26

Energy, Utilities, Environment, and Climate

Transcript Highlights:
  • Um he has a Code Co-ops and Munis.
  • NEC for consideration in their next code NEC for consideration in their next code review.<00:48:
  • And then for the RDA, it's $36 million of spending, and then $4 million of lost revenue.
  • And then for the RDA, it's $36 million of spending, and then $4 million of lost revenue.
  • Um that is dollars of uh lost revenue.
Keywords: 1187, senate, all
NH

New Hampshire 2025 Regular Session

House Transportation (04/22/2025)

Transcript Highlights:
  • is going to have that international is going to have that international symbol<00:11:32.880>
  • So he was losing revenue.
  • Now, in my making up with revenues.
  • see that it's producing more revenue see that it's producing more revenue that<02:44:20.000>
  • going to lose out on all that revenue. going to lose out on all that revenue.
Keywords: 928, house, all
Summary: The hearing began with SB 12, which would let certain veterans who already qualify for a disabled veteran license plate use that VA disability determination to obtain a walking disability placard without having to undergo a second physical or submit additional proof. Senator Waters, the prime sponsor, said the bill was prompted by a constituent and would reduce redundant paperwork. Melinda Sims of United Spinal and Leo Pacquin of the State Veterans Advisory Committee both supported the bill, saying veterans already go through an extensive VA certification process and should not have to repeat it for the state. A DMV representative said the department had no known objection and explained that the change would let the placard travel with the veteran in another vehicle. The hearing on SB 12 was then closed. The committee then took up SB 40, which would allow safe boater education certificates to be completed and tested online, rather than requiring an in-person final exam. Representative Coker and Senator Tim Lang described the bill as a cleanup measure to make a COVID-era online process permanent and said it would improve convenience and keep more revenue in New Hampshire. Tom Praol, representing the vendor, said the state lost significant revenue when the online option ended and argued that online proctoring can verify identity and prevent cheating. The New Hampshire Marine Trades Association supported the bill, saying it would help boaters learn New Hampshire-specific laws and keep dollars in-state. The Department of Safety Marine Patrol was neutral: Captain Tim Dunlvy said the current system includes classroom and online coursework followed by an in-person proctored final exam, and he raised concerns about safety, exam integrity, and lower scores in computer-only testing, while noting New Hampshire’s strong boating safety record. Committee members asked about reciprocity, proctoring methods, costs, and crash data, but no vote was taken in the portion of the transcript provided.
NH

New Hampshire 2026 Regular Session

House Transportation (01/13/2026)

Transportation

Transcript Highlights:
  • Back when the Morse code was still Yeah. Back when the Morse code was still required.
  • So the revenue would come from the sale of the plates. We don't have any revenue.
  • It seems to me as though it's merely a loss in revenue, and that revenue they probably shouldn't have
  • It seems to me as though it's merely a loss in revenue, and that revenue they probably shouldn't have
  • Chair: Thank you, guys, very much. loss in revenue, and that revenue they loss in revenue, and that revenue
Keywords: 1189, house, all
AR
Transcript Highlights:
  • I serve as the chair of the International Bank and Federation Scam and Fraud Working Group, but I also
  • what your bank will and won't ask, such as, you know, we'll never ask you for that one-time security code
  • And their own internal documents say Meta is not— Taken more proactive action.
  • And their own internal documents say Meta is not going to act unless regulators or others force them
  • We enforce the Arkansas Insurance Fraud Act and the Arkansas Criminal Code.
Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, regulators, law enforcement, AARP, and mortgage and insurance industry representatives. Witnesses described a wide range of scams, including spoofed bank calls and texts, fake websites and social media impersonation, romance and investment scams, business email compromise, gift card fraud, check fraud, wire fraud, reverse mortgage scams, and crypto kiosk schemes. Several speakers emphasized that fraud is increasingly organized, technology-driven, and amplified by artificial intelligence, and that seniors are disproportionately targeted and often suffer the largest losses. Testimony highlighted both prevention and recovery efforts. Bankers said institutions spend heavily on training, customer education, and fraud detection, but often cannot stop losses once customers have been convinced to authorize transfers. The Attorney General’s office described its Consumer Protection Division, a new Financial Fraud Task Force, and examples of recovering funds quickly from crypto kiosk and wire fraud cases. The State Bank Department and Securities Department said Arkansas’s 2025 crypto ATM legislation and related education requirements have helped, and they urged continued public education. The Insurance Department reported major insurance-fraud trends, including fake insurance cards, forged policies, premium-finance schemes, and staged auto accidents, and said it prosecutes these cases aggressively. Members asked about reporting scams, the security of tap payments, how fraud losses are tracked, the role of crypto kiosks, and whether Arkansas should pursue model legislation or stronger action against telecom and social media companies. Witnesses said tap payments are generally safer than chip or swipe, that crypto transfers are often unrecoverable, and that spoofed caller ID and impersonation ads remain major problems. Paul Benda of the American Bankers Association urged state and federal action against telecom and social media platforms and supported national scam legislation. No new bills were voted on at the meeting, but members approved the November 3, 2025 minutes and several witnesses offered to share model legislation, consumer education materials, and state-by-state fraud data with the committee.