Video & Transcript Research : 'consumer lending'
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US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, June 23, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- I yield myself such time as I may consume. Mr.
- I now yield as much time as he may consume to the much time as he may consume to the friend and gentleman
- It doesn't expand the scope of federal lending. It expand the scope of federal lending.
- I now yield as much time as he may consume to the as much time as he may consume to the gentleman from
- I yield myself such time as I may consume. Mr.
NH
New Hampshire 2026 Regular Session
Commission to Study Stable Tokens (01/14/2026)
Transcript Highlights:
- <00:43:40.160>
know play. um you know lending you know play. um you know lending you know - <00:44:31.839>
model essentially uh without a lending model essentially uh without a lending - > um, the same consumer protections need um, the same consumer protections need to<00:56:25.760>
be - So the similar... kind of where consumers where where uh kind of where consumers where where uh where
- <02:09:54.560>
these <02:09:54.960>days consumers these days consumers these days >&
Summary:
The commission met to review stable tokens, real-world asset tokenization, and blockchain-based trust, approved the agenda and December 12 minutes, and heard a presentation from Anchorage Digital after postponing a planned Bitco presentation because of its IPO quiet period. Anchorage’s Melinda Delos, Joe Mioli, and Kevin Wasaki introduced the firm, describing it as a global digital assets platform and the first crypto-native institution in the U.S. to receive a federal banking charter. They said their approach emphasizes security, regulated custody and trading services, and responsible innovation for institutional clients, banks, states, and sovereigns.
The presentation focused on post-Genius Act momentum in the stablecoin market. Anchorage said the law provided regulatory clarity and helped spur activity with major clients, including Athena, Tether, and Western Union. The speakers highlighted Western Union’s planned stablecoin as especially significant because it reflects adoption by a long-established traditional payments company, and they said the project illustrates how stablecoins can support programmable, real-time, interoperable payments. They also noted that Anchorage is providing issuance infrastructure for the Western Union project.
The commission and presenters also discussed government uses of tokenized assets, including reserve legislation, digital assets for tax collection and fees, and a Marshall Islands initiative to use a tokenized sovereign bond for direct citizen payments. In response to a question, Anchorage said it would follow up on which states are using digital assets for revenue collection, mentioning Louisiana and Pennsylvania as examples. The banking discussion centered on remittances, instant payments, and interbank settlement, with Anchorage arguing that stablecoins can reduce settlement time, fees, and foreign exchange risk while improving traceability and auditability.
NY
New York 2025-2026 Regular Session
New York State Senate Session - 06/02/2026
New York Senate Floor Meeting
Transcript Highlights:
- Right now our state's consumer protection laws protect none of them.
- RIGHT NOW OUR STATE'S CONSUME PROTECTION LAWS PROTECT NONE OF THEM.
- This is about predatory lending, is what I have heard her say before.
- THIS IS ABOUT PREDATORY LENDING IS WHAT I HAVE HEARD HER SAY BEFORE.
- WHERE WE HAVE PREDATORY LENDING.
Summary:
The Senate convened, approved the prior day’s journal, and then processed a large number of motions to discharge bills from committees and substitute identical Senate or Assembly versions for third reading. The chamber also adopted the resolution calendar with exceptions and took up several resolutions and ceremonial recognitions, including a resolution mourning Hudson Talbott, a Dairy Month resolution highlighting New York’s dairy industry, and introductions honoring Niskayuna academic teams, Gabriella Scheer for receiving the Liberty Medal, the Hartstein family’s civic engagement, and Diana Cochran’s advocacy for safe firearm storage.
The Senate then moved through the calendar and passed many bills on topics including insurance, public health, education, labor, social services, banking, local government, veterans, public service, consumer protection, criminal procedure, cannabis, parks, taxation, election law, and highway matters. Several members explained votes on notable measures: support for acupuncture insurance coverage, consumer protections for doorbell-camera data sharing, expanded protections in debt collection cases, trauma-informed procedures for sexual assault survivors, a Legionnaires’ disease awareness program, changes to mandatory minimum sentencing, and universal safe storage of firearms. A number of home rule and local authorization bills were also approved, including parkland alienation measures and local tax exemption authorizations.
Most measures passed with broad bipartisan support, though some drew recorded opposition. Notable roll calls included the consumer debt uniformity bill, the mandatory minimum sentencing bill, the safe storage/firearms bill, and the public housing and public health measures, each with more divided votes. The chamber also accepted a lengthy Rules Committee report sending many additional bills directly to third reading, and then began the supplemental calendar, passing at least the first items before the transcript ended.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, June 5, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- I may consume. Gentleoman's recognized. I may consume. Gentleoman's recognized.
- <02:27:03.840>
The such time as he may consume. The such time as he may consume. - <02:27:09.840>
Uh consume. Thank you, Mr. Speaker. Uh consume. Thank you, Mr. Speaker. - The bill was thoughtfully lending.
- Consumer Financial Protection Bureau. Consumer Financial Protection Bureau.
MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses Jun 21st, 2026 at 11:00 am
Transcript Highlights:
- ...directly as an additional cost to the consumer.
- Every time a consumer taps a card to a local business, the consumer believes three things: their information
- It's what feeds the consumer economy.
- It's what feeds the consumer economy.
- Because that's not the way consumers work.
Summary:
The Special Commission on the future of payments and sales transactions by credit card heard extensive testimony from credit union, banking, retail, restaurant, and payments-industry representatives about proposals to limit interchange fees, especially on the tax and tip portions of transactions. Several witnesses opposed state-level restrictions, arguing they would create a patchwork of rules, burden state-chartered institutions, raise compliance complexity, and ultimately reduce resources for fraud prevention, cybersecurity, rewards, and access to credit. Others, including retail and merchant advocates, said swipe fees are a significant and growing cost for small businesses and that states should consider reforms such as limiting fees on taxes and tips, allowing surcharging, improving transparency in merchant contracts, and studying collection costs more closely.
Witnesses also discussed recent legal and regulatory developments, including Illinois’s interchange-fee law, OCC and NCUA interim rules, and the ongoing Visa/Mastercard antitrust settlement. Industry representatives said the Illinois law has been delayed and is likely preempted for most transactions, while merchant advocates argued the state efforts and court rulings show that networks and banks do not set fees competitively. The proposed antitrust settlement was described by some as a meaningful but limited merchant victory, with temporary fee reductions and expanded surcharge/steering rights, while others said it still falls short of structural reform.
The commission members pressed witnesses on the practical effects of fees, the cost of cash, whether merchants can pass costs through, and whether small businesses are actually seeing benefits from the current system. Members repeatedly emphasized the need for a fair middle ground that protects both small businesses and the payment system. No substantive votes or policy actions were taken beyond accepting testimony, and the meeting ended with adjournment after all scheduled witnesses had spoken.
HI
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Hawaii 2026 Regular Session
House Chamber - Fri Apr 24, 2026, 12:00PM HST - Day 51
Hawaii House Floor Meeting
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Hawaii 2026 Regular Session
House Chamber - Thu Apr 23, 2026, 12:00PM HST - Day 50
Hawaii House Floor Meeting
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
HI
Bills:
SCR96, SCR164, SCR172, SCR166, SCR182, SCR7, SCR59, SCR58, SCR60, SCR89, SCR184, SCR11, HB2296, HB2315, HB2343
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, critical infrastructure, foreign influence, local control, energy dependence, economic resilience, energy analysis, cost reduction, financial risk, Hawaii PUC, energy self-sufficiency, natural gas, energy transition, ratepayer protection
FL
Transcript Highlights:
- The new rate disincentivizes participation in the program by savings institutions, limits consumer choice
- So you're getting, when you have less deposits, you have less money to lend out in your community.
- So you're getting, when you have less deposits, you have less money to lend out in your community.
- When we tie these rates to lending, when we tie the rates for the IOTA accounts to lending rates as opposed
- Tasha Carter, Florida Insurance Consumer Advocate, waiving in support.
Summary:
The committee heard several bills and amendments, beginning with CS/SB 498 on trust fund interest for IOTA accounts. The sponsor said a 2023 Florida Supreme Court rule sharply increased interest paid into legal aid funding, creating a windfall and making participation difficult for banks. An amendment was adopted requiring savings institutions to pay the higher of 0.25% or the highest comparable rate offered on certain non-IOTA accounts, and the bill then passed favorably after testimony from banks, legal aid representatives, and other stakeholders both supporting and opposing the measure.
The committee also approved CS/SB 232, which clarifies Florida’s consumer collection law applies only to phone calls during restricted hours and not emails or text messages, after a delete-all amendment and supportive testimony from industry groups. It then approved SB 132, as amended, to designate gold and silver as legal tender and set rules for custody, audits, electronic transfer, and government acceptance of payments; supporters called it a sound-money measure, while the banking association said it still had unresolved technical concerns.
Later, the committee passed SB 1466 to create a trust fund for the My Safe Florida Home Program, with an amendment funding it from 20% of collected insurance premium tax revenue. It also considered SB 1206 on transportation network company insurance, reducing coverage during the “dead-leg” period before a rider is picked up from $1 million to lower limits; the bill drew sharp opposition from trial lawyers and support from insurers and some business groups, and the committee adopted a clarifying amendment before reporting the bill favorably. Finally, CS/SB 924 on fertility preservation for cancer patients was amended several times to narrow scope and clarify coverage rules, then passed favorably after debate over cost, preauthorization, and post-treatment storage obligations. The committee adjourned after allowing technical and conforming changes to implement the adopted amendments.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am
Joint Committee on Financial Services
Transcript Highlights:
- Each year, professional debt collectors sue tens of thousands of Massachusetts consumers, often on the
- The default rate against consumers in these cases is unusually high.
- are you hearing from consumers who are trapped in this nasty cycle of debt collection?
- advocates who work directly with consumers.
- Consumers deserve to know who is contacting them and why.
Summary:
The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens.
A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first.
The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.
HI
Hawaii 2026 Regular Session
House Chamber - Tue Apr 7, 2026, 12:00PM HST - Day 40
Hawaii House Floor Meeting
Bills:
HR39, HCR43, HR178, HCR188, SB3144, SB3102, SB2053, SB3248, SB2256, SB3118, SB2245, SB2519, SB3055, SB2090, SB2765, SB2169, SB3136, SB2521, SB2851, SB3154, SB3262, SB2387, SB3001, SB2818, SB2972, SB2372, SB2108, SB888, HR63, HCR69
Keywords:
pedestrian safety, crosswalks, traffic calming, school zone, Honolulu, community safety, raised crosswalks, traffic infrastructure, agritourism, agricultural tourism, Hawaii Tourism Authority, HTA, working group, farm tourism, regenerative tourism, working lands, agricultural land use, county ordinances, permitting, farm bureau
OK
Oklahoma 2026 Regular Session
Civil Judiciary REVISION 2: Links added Apr 2nd, 2026 at 10:30 am
Civil Judiciary
Transcript Highlights:
- authority of the corporation commission under Article 9 Title 17, and they already comply with existing consumer
- This bill is a consumer protection act that cleans up. Yielded questions.
Bills:
SB504, SB844, SB1209, SB1266, SB1303, SB1448, SB1496, SB1595, SB1597, SB1655, SB1679, SB1621, SB1716, SB1769, SB1827, SB1876, SB1944, SB2072, SB2084, SB2104, SB2112, SB2170, SB2180, SB2182
Keywords:
charitable organizations, donor restrictions, endowment gifts, Safeguarding Endowment Gifts Act, Oklahoma, donor rights, charitable contributions, forcible entry, detainer, trial period, legal notices, housing law, SB1266, notary public, notaries, legal advice, unauthorized practice of law, misdemeanor, Secretary of State, appointment revocation
AL
Transcript Highlights:
- resilience of services, underscoring the resilience of Alabama's economy; Whereas to meet international consumer
- worldwide demand for quality goods and services, Alabama exports are much sought after by international consumers
Bills:
SJR 3, SB 5, SJR 36, SJR 3, SB 616, SB 565, SB 384, SB 5, SB 21, SB 72, SB 140, SB 262, SB 370, SB 372, SB 495, SB 627, SB 703, SB 764, SB 842, SB 971, SB 790, SB 767, SB 480, SB 1066, SR 44, SR 135, SR 171, SR 180, SR 185, SR 187, SR 188, SR 191, SR 197, SR 198, SR 199, SR 200
Keywords:
dementia, Alzheimer's disease, Parkinson's disease, research funding, state budget, prevention, healthcare, medical research, Dementia Prevention and Research Institute, research institute, funding, grants, state health initiatives, aquifer, water management, Edwards Aquifer, sustainability, regulatory framework, SB 565, Texas Water Code
FL
Bills:
SJR3, SB5, SJR36, SJR3, SB616, SB565, SB384, SB5, SB21, SB72, SB140, SB262, SB370, SB372, SB495, SB627, SB703, SB764, SB842, SB971, SB790, SB767, SB480, SB1066, SR44, SR135, SR171, SR180, SR185, SR187, SR188, SR191, SR197, SR198, SR199, SR200
Keywords:
dementia, Alzheimer's disease, Parkinson's disease, research funding, state budget, prevention, healthcare, medical research, Dementia Prevention and Research Institute, research institute, funding, grants, state health initiatives, aquifer, water management, Edwards Aquifer, sustainability, regulatory framework, SB 565, Texas Water Code
NH
New Hampshire 2026 Regular Session
Commission to Study Stable Tokens (03/10/2026)
Transcript Highlights:
- and then lend it out in in that way. and then lend it out in in that way.
- recently in preempting state consumer recently in preempting state consumer protection<00:27:12.799
- <00:31:29.520>
protection even though state consumer protection even though state consumer - what will be interesting for consumers what will be interesting for consumers and<01:10:01.679><
- would think about the consumer would think about the consumer protection<01:56:17.119>
question
Summary:
The meeting began with roll call and introductions of commission members and guests, followed by approval of the agenda and a motion to approve the February 10 minutes with a correction clarifying that one quoted statement was misattributed. The commission then moved into presentations.
The main presentation came from the Conference of State Bank Supervisors on implementation of the federal GENIUS Act for stablecoins. The speaker reviewed the OCC’s recent 367-page proposed rule, noting it raises many open questions and design choices for states, and discussed expected upcoming rulemaking from the FDIC, Federal Reserve, and Treasury. The presentation focused on six areas: permissible issuer activities, reserve assets and redemption, risk management and supervision, treatment of state-qualified issuers, capital/operational backstops, and foreign issuers. It also flagged unresolved issues around Bank Secrecy Act/AML requirements and the meaning of “digital asset service provider” activities.
A substantial portion of the discussion addressed yield restrictions, with the presenter explaining the OCC’s broad definition of yield and its rebuttable presumption against issuer-affiliated or related third-party yield arrangements. The speaker said this likely forecloses many existing white-label structures but leaves some room for third-party payments depending on distance from the issuer, and noted ongoing Senate debate over similar provisions. The presentation also covered reserve valuation, liquidity and diversification requirements, redemption timing, and supervisory expectations such as third-party oversight, IT security, exam cycles, and reporting. No additional votes or formal actions were taken beyond approving the amended minutes.