Transcript Highlights:

• This one is new: a reduced payment in lieu of taxes.
• So right now those payments are about $48 million a year.
• This one is new: a reduced payment in lieu of taxes.
• so right now reduction in pill payments so right now those<00:10:26.880><c> payments</c><00:10:27.240
• </c><01:02:03.440><c> and</c> rely on us to help resolve disputes and rely on us to help resolve disputes

Keywords: 919, house, all

Summary: The committee took up House File 2437, the governor’s proposed tax bill, and first adopted the A25-Z42 amendment to put the bill in the desired shape. Commissioner Paul Marquardt of the Department of Revenue then presented the bill as part of Governor Walz and Lieutenant Governor Flanagan’s budget, describing it as a response to budget pressures that would make the tax system more fair and stable while supporting economic development and jobs. Marquardt walked through the bill’s major provisions. These included sustainable aviation fuel policy, repeal of K-12 education credit assignment, elimination of the political contribution refund, expansion of the research and development credit, short-line railroad infrastructure modernization, changes to the state airport fund levy, replacement of attachments and appearances with distribution systems, a narrow personal property tax exception for low-income housing tenants, reduced aquatic invasive species aid, and a 34% reduction in PILT payments. He then focused on the sales tax article, saying it would lower the statewide rate by 0.75% while expanding the base to selected professional services such as accounting, banking, brokerage, and legal services, with business-to-business transactions exempt. He said the proposal would be effective for sales and purchases after September 30, 2025, and estimated a first-year rate-cut impact of about $99 million versus $215 million from the service expansion, while arguing that most households would see a net tax cut. He also noted other changes such as landlord penalty adjustments, a 30% reduction in sustainable aviation fuel incentive payments, repeal of local government cannabis aid, and repeal of the tax filing modernization account. Public testimony began with Kyle Playford of the Financial Planning Association of Minnesota, who strongly opposed the proposed sales tax on professional services, especially financial planning. He argued that financial planning is an essential service for retirement, investment, and long-term financial security, and said the tax would raise costs for consumers, reduce access for middle-class families, small business owners, and retirees, and put Minnesota firms at a competitive disadvantage. The chair then indicated that additional public testimony would continue before member questions.

Transcript Highlights:

• And then if there are disputes or issues related to the payment of workers' compensation benefits to
• </c> if a injured worker is having a dispute if a injured worker is having a dispute with<01:08:37.359
• </c><01:10:07.199><c> resolution</c> establishes a pray dispute resolution establishes a pray dispute
• They simply need to be connected to resolve either a bill or indemnity payment, cash payments that are
• </c> say in the grand scheme of disputed say in the grand scheme of disputed claims<04:20:24.880><c>

Keywords: 1189, house, all

Transcript Highlights:

• In those six years, 57% increase in individual income tax payments.
• That's a 7.9% compound annual growth rate of individual income tax payments.
• Now, we can dispute whether that was accurate.
• In those six years, 57% increase in individual income tax payments.
• Now, we can dispute whether that was accurate.

Summary: The Senate Local Government and Taxation Committee heard House Bill 559, the annual tax conformity bill, from Representative Jeff Ehlers. He said the bill conforms Idaho tax law to federal changes in the One Big Beautiful Bill, with most benefits going to individuals through provisions such as no tax on tips, no tax on overtime, and an enhanced senior deduction, while also addressing corporate research and experimentation deductions and excluding bonus depreciation. He explained the bill’s fiscal note, argued the estimates were reasonable and transparent, and said the bill would help Idahoans keep more of their money while preserving a positive projected ending balance in the budget picture. Testimony was divided. Supporters, including the Idaho Freedom Foundation, the Idaho Society of CPAs, Associated Taxpayers of Idaho, and some committee members, argued that conformity simplifies filing, avoids two sets of books, helps taxpayers receive refunds on time, and primarily benefits middle- and lower-income Idahoans. Opponents, including the League of Women Voters of Idaho, the American Association of University Women of Idaho, the Idaho Center for Fiscal Policy, and individual citizens, said the bill would reduce state revenue, worsen budget pressures, and likely lead to cuts in education and health care. Several critics also said the fiscal note was incomplete or that the bill’s implementation could create confusion and costs for the Tax Commission and taxpayers. Committee members questioned the fiscal impact, implementation costs, and broader budget consequences, especially in light of recent tax cuts and current state shortfalls. Representative Ehlers responded that the Tax Commission could absorb implementation costs, that some provisions were intentionally not included in conformity, and that the bill did not itself dictate budget cuts. After debate, Senator Groh moved to send House Bill 559 to the Senate floor with a due pass recommendation, Senator Adams seconded, and the motion passed. Senators Taylor and Robbie voted no.

Transcript Highlights:

• The law change in 2014 affected the payment of permanent partial disability claims.
• fund in order for us to pay the benefit payment.
• And then we have an order for payment in terms of who will get paid in what order.
• Next on page 130 is the Employment and Training Payments core.
• Next on page 130 is the Employment and Training Payments Corps.

Keywords: 959, house, all

Transcript Highlights:

• Well, the state of disputes that arose. Well, the state of disputes that arose.
• But but what spurred some disputes too. But but what spurred some disputes too.
• This tax is currently pledged uh for bond payments for the uh for bond payments for the uh for bond payments
• based on something other than payments based on something other than payments based on something other
• I think is using to make those payments I think is using to make those payments I think is a bit of

Bills: HB258, HB324, HB333, SB270, HB258, HB324, HB333, SB270

Keywords: primary election, election calendar, off-presidential year, May primary, second Tuesday in May, fourth Tuesday in May, runoff primary, special primary, presidential primary, election administration, candidate filing, ballot access, political parties, county election officials, state election law, Alabama elections, sheriffs, term of office, Alabama law, local government

Transcript Highlights:

• They pay alternative compliance payments.
• He said the language for the blockchain dispute docket was lifted from the business dispute docket, and
• </c><01:17:27.199><c> So</c> the blockchain dispute docket. So the blockchain dispute docket.
• Um and so business uh dispute docket.
• c> docket</c><01:18:26.000><c> made</c> Um the business dispute docket made Um the business dispute docket

Keywords: 928, house, all

Summary: The committee first took up House Bill 733, a third-party litigation financing reporting bill. Representative Cole explained that the bill shifts reporting from the Secretary of State to the courts, which he said removes the fiscal note and helps insurers obtain information for underwriting and premium-setting. The committee accepted the explanation and voted ought to pass; the roll call was 8-0 in favor, with one member taking a pause. The committee then heard House Bill 219, dealing with the renewable portfolio standard and the renewable energy fund. Representative Bose argued the bill would reduce electricity costs by lowering the REC purchase obligation from 220,000 to 170,000, which he said would reduce payments into the renewable energy fund by roughly $1 million to $2 million and save consumers only pennies a month. After questions about timing and whether to wait for a DOE report, the committee voted to retain the bill for further discussion rather than advance it; the motion to retain passed 5-4. House Bill 365 was then discussed as an election-related bill intended to help verify citizenship for voter registration and create a voucher process for people who cannot afford a birth certificate. The sponsor said the Secretary of State may be able to use federal and state databases to verify citizenship, and if not, indigent applicants could receive a voucher reimbursed by the state, with a $25,000 appropriation included. Members raised concerns about the Secretary of State’s access to databases and the bill’s timing and cost, and the committee decided to hold the bill until Secretary Scanlan could come testify. Finally, the committee heard House Bill 552, which updates retiree health coverage rules so dependent children can remain on the plan until age 26, consistent with the Affordable Care Act. DAS officials said retirees pay the full cost for dependents, about $1,000 per month, while the state covers only the retiree and spouse. The committee voted ought to pass unanimously, 9-0. The committee then began discussion of House Bill 572, a housing bill aimed at missing-middle housing, describing a voluntary program to identify developable public land, support construction, and streamline review, but the transcript cuts off before any action on that bill.

Transcript Highlights:

• or non-payment, does that amount go to the minor or does that go to the AG's office?
• The trouble is then they may not be able to afford to continue making the... payments.
• Those child support payments could help meet that mortgage.
• So that is a little bit concerning to us with the switch in the priority of payments.
• The mortgage payment comes first and then the child support.

Bills: HB368, HB3311, HB1734, HB2495, HB2716, HB793, HB3376, HB2524, HB3421, HB3446, HB3181

Keywords: electronic devices, family violence, criminal prosecution, protective orders, tracking, harassment, family allowance, decedent's estate, surviving spouse, minor children, inheritance, child support, maintenance, HB 1734, Family Code, Section 155.207, suit affecting the parent-child relationship, SAPCR, continuing exclusive jurisdiction, jurisdiction transfer

Transcript Highlights:

• been approved for subsidy attends at least one day in the calendar month, the provider may claim payment
• DCYF must adopt rules that allow child care providers to accept state subsidy payment to claim a full
• month of payment only if the child is absent for 10 or fewer days in a month.
• If a child is absent for 11 days or more, the provider will receive a half month of payment.
• In addition, prospective and enrollment-based payments are eliminated.

Summary: The House Appropriations Committee held a public hearing on a series of bills, beginning with House Bill 2689 on Working Connections Child Care. Staff explained that the proposed substitute would keep eligibility at 60% of state median income, eliminate scheduled expansions to 75% and 85%, reduce future subsidy rates from the 85th to the 75th percentile of market, end enhanced regional rates, and change reimbursement rules from prospective enrollment-based payments back to attendance-based payments with a reduced monthly payment after 11 absent days. Child care advocates thanked the committee for removing the proposed cap on the program but opposed the cuts to provider rates and eligibility expansions, warning of harm to families and providers. The committee then heard Engrossed Substitute Senate Bill 5124 on Medicaid network adequacy for post-acute care, with staff noting administrative costs and indeterminate fiscal effects; hospitals supported the bill as a way to reduce discharge delays and reliance on single-case agreements. Senate Bill 5832, which would raise the new motor vehicle arbitration fee from $3 to $6 to support the Lemon Law arbitration program, drew support from the Attorney General’s Office and auto dealers, who said the fee had not been updated since 1995 and the program was underfunded. The committee also heard Substitute Senate Bill 5862, providing a one-time 3% COLA for certain PERS 1 and TRS 1 retirees, with retirees testifying in favor and local government representatives warning about added employer costs. The committee next heard Senate Bill 5922, allowing school districts to transfer money from the Transportation Vehicle Fund to other funds if they reduce their fleet and receive OSPI approval; staff said the bill would mainly add administrative work for OSPI, and no one testified. Substitute Senate Bill 5923 would allow a hospital on an island in Skagit County to qualify as a critical access hospital if federally certified; Island Health testified that the designation would help sustain rural services, and a committee member asked about bed count and Medicaid/charity-care pressures. Senate Bill 5944 would require language access providers to bargain over compensation for missed or canceled appointments and clarify that statutes prevail over conflicting contract terms; WFSE supported the bill, saying it would equalize bargaining rights across agencies. Substitute Senate Bill 5972 would extend interest arbitration rights to correctional employees in city and county jails regardless of population size; labor supported the bill as a retention tool, while cities and counties opposed it, arguing it would raise costs and should include ability-to-pay protections. The committee also heard Senate Bill 5988, authorizing the Department of Health to continue accrediting opioid treatment programs and charge accreditation fees, which DOH said was needed to avoid winding down the program. Later, the committee heard Senate Bill 6151, which would move Ecology fee revenues for landfill methane emissions and laboratory accreditation into dedicated accounts; Ecology supported the bill as improving transparency and reinvesting fees into the programs, and staff said the lab fee shift would be offset by a related budget action. Engrossed Substitute Senate Bill 6194 would pay a rural hospital on a federally recognized Indian reservation, specifically Astria Toppenish, at 150% of the Medicaid fee-for-service rate beginning in 2027; hospital leaders and community members testified that the hospital serves a high-Medicaid, rural, and tribal population and faces persistent losses. Finally, Engrossed Substitute Senate Bill 6302 would direct L&I to investigate possible misclassification of independent contractors on public works projects involving multiple workers doing the same finishing work; labor and business representatives both described it as a negotiated compromise to address underground economy abuses. The committee took no final votes during the hearing and ended by reiterating amendment deadlines for bills scheduled for executive session.

Transcript Highlights:

• Anything or a royalty payment, you know, from, uh, um.
• Um, and now imagine that those payments just stop and you have not received any notification, the payment
• The payments still need to be made.
• If you suspend or stop payment, just provide a reason why.
• Absolutely, and I'm not disputing that in any way.

Transcript Highlights:

• penalties when insurers delay making coverage decisions or issuing payments.
• penalties when insurers delay making coverage decisions or issuing payments.
• Instead of getting payments, we needed to move forward. We have faced delay after delay.
• Instead of getting payments, we needed to move forward. We have faced delay after delay.
• I would, however, like to briefly dispute the characterization of this as a systemic issue.

Keywords: 988, house, all

Transcript Highlights:

• in receiving the majority of that payment in the year subsequent to that payment.
• to a disputed payments account, or even withhold it from the disputed payments account.
• </c> disputed payments account there are disputed payments account there are certain<03:15:20.000><c>
• We're settled through this upcoming payment year, so the April 2025 payment year.
• </c> payment year so the April 2025th payment payment year so the April 2025th payment um<03:16:45.399

Keywords: 928, house, all

Summary: The Department of Safety presented an overview of highway fund and unrestricted revenue collections, focusing on the Division of Administration, the Road Toll Bureau, and the Division of Motor Vehicles. Amy Newbery explained that the main unrestricted funding sources are highway funds and general funds, with highway fund revenue of about $263 million in FY 2024 and a FY 2025 projection of $261.2 million. She said revenue growth has been modest and has not kept pace with costs, creating structural deficits that required general fund transfers of $50 million in FY 2022-23 and another $10 million in FY 2024-25 to balance the fund. Jennifer Hall described Road Toll operations, including motor fuel tax collection at the distributor level, compliance enforcement, and licensing for fuel distributors, transporters, IFTA carriers, and oil discharge/pollution control. Members asked about IFTA, dyed-fuel enforcement, the possibility of using the state forensic lab for dyed-fuel testing, and whether audit positions had been filled; the department said it recently hired a part-time fuel enforcement officer, still uses IRS testing, could explore lab testing, and had no audit vacancies. Hall also discussed factors affecting fuel-tax revenue, including gas prices, crude oil forecasts, weather, tourism, GDP, and inflation, and said FY 2024 road toll revenue was $127.5 million, above plan, with FY 2025 projected at $127.71 million. The committee then turned to DMV-related revenues. Newbery said motor vehicle registration revenue was $93.1 million in FY 2024 and is projected at $90.4 million in FY 2025, with the state share going directly to the highway fund. Members asked about the state/town fee split, the five-year registration cycle dip, the distribution of registration revenue by vehicle weight category, and the impact of electric-vehicle surcharges; the department said the five-year dip is still occurring and will fade over time, and it would follow up on the weight-category breakdown. The presentation also noted that driver-license revenues have stabilized, inspection revenues remain steady, plea-by-mail revenue was added to the highway fund in FY 2024, and general fund revenues tied to the department are relatively small and have declined as some functions moved to OPLC. No votes or formal actions were taken.

Transcript Highlights:

• So in the case of some claims, you might receive a dispute of that payment years later, even after the
• </c> an unlimited amount of time to dispute an unlimited amount of time to dispute those<01:43:14.520
• of that that might receive a dispute of that that payment<01:43:23.920><c> years</c><01:43:24.360><c
• It doesn't alter the 30-day deadline for payment; it just simply addresses the time limit to file a dispute
• </c><01:46:36.599><c> uh</c> results in obviously lower payments uh results in obviously lower payments

Keywords: 1191, senate, all

Transcript Highlights:

• Um, beginning January 1st, 2027, establishes the prompt payment and financial reporting requirements
• , financial reporting, and contract term requirements. establishes the prompt payment and establishes
• the prompt payment and financial<00:02:01.840><c> reporting</c><00:02:02.200><c> requirements</c><00
• , you know, over the last owners disputes, you know, over the last several<00:25:21.679><c> years.
• </c><00:27:44.920><c> On</c> alternative dispute resolution. On alternative dispute resolution.

Bills: SB2057, SB2109, SB2400, HB1752, SB2599, SB2930

Keywords: immigration enforcement, sanctuary policy, detainer, ICE, federal immigration authorities, 8 U.S.C. 1357(g), 8 U.S.C. 1373, 8 U.S.C. 1644, deportation, undocumented immigrants, noncitizen, migrant rights, local police cooperation, law enforcement cooperation, hold request, judicial warrant, probable cause, civil immigration enforcement, county police, state police

Transcript Highlights:

• However, the department has not timely made payments to some of these tribes.
• Unfortunately, when people use unlicensed or unregulated gaming operators, there is no patron dispute
• In those cases, the department has no authority to intervene or help resolve this dispute.
• The division teams are already handling the industry-specific complaints and disputes.
• There's one that's still going through a dispute process right now.

Keywords: 1182, all

Transcript Highlights:

• There is a provision in the No Surprises Act called independent dispute resolution.
• One of the two can petition a federally certified independent dispute entity with the price that they
• These 280 disputed claims solely come from freestanding emergency rooms.
• Number one, it only addresses payments for emergency services at freestanding emergency rooms.
• Number one, it only addresses payments for emergency services at free-standing emergency rooms.

Keywords: 989, all

Transcript Highlights:

• For these reasons, SB 2037 disputes.
• And so payments received from an owner under the current statute cannot be applied to a judgment.
• applying payments first to a money judgment.
• applying payments first to a money judgment.
• that I felt was a valid dispute and he withheld some maintenance fees.

Keywords: 912, senate, all

Summary: The committee heard testimony on SB 2294, which would require condominium associations, boards, and managing agents to comply with declarations, bylaws, county ordinances, and state and federal laws, including mortgage lending requirements. The Community Associations Institute opposed the bill as redundant, arguing existing law already requires compliance and provides penalties. Supporters, including condominium owners and board members, said the measure would clarify that associations are not “self-governing” in a way that exempts them from outside laws, and cited examples where local officials or police told residents to take issues back to their boards. Several supporters said the bill would reinforce board responsibility for permits, safety, and legal compliance. The committee noted 27 pieces of testimony, with 10 in support and 17 in opposition, and then moved on without taking a vote on the measure in the transcript provided. The committee also took up SB 2298, which would require common interest community proxy forms to include additional language explaining proxy selection options. The Community Associations Institute opposed the bill, saying the proposed language was inaccurate and would not improve consumer clarity unless significantly revised. Supporters argued that proxy forms are confusing and that clearer instructions would help homeowners understand how their votes are being used. Opponents said the added language would make the forms longer and more confusing, and suggested a separate instruction sheet or other educational material instead. Testimony also raised broader concerns about proxy voting being misused in some associations, with one witness urging that proxy voting be eliminated altogether. The committee reported 29 written testimonies, including seven in support, 19 in opposition, and three with comments, and again did not record a final vote in the excerpt. For SB 2300, which would shorten condominium reserve cash-flow projections from 30 years to 25 years, the Community Associations Institute opposed the bill, saying it would not make housing more affordable, would reduce transparency, and would increase the annual burden by giving associations less time to save for long-life components. The group suggested that if affordability is the goal, lawmakers should consider allowing future loans or special assessments with guardrails. Supporters of the bill said the shorter projection period would better reflect practical budgeting and help associations plan more realistically, though some supporters also warned against relying too heavily on loans and emphasized accountability and fiduciary responsibility. Other testimony stressed that the impact of changing the projection period would vary by association and that many owners are already struggling with rising fees. The discussion remained focused on testimony and policy concerns, with no final action on SB 2300 shown in the transcript.

Transcript Highlights:

• We take it very seriously, and we cannot parcel out what stuff we can accept for payment.
• With me here... ...arising out of a labor dispute.
• They walk away, let the community absorb the damage, dispute the bill, move on.
• I don't care what the dispute is, the trash gets picked up.
• Yeah, I would just say that the whole purpose of this is to shorten labor disputes.

Summary: The committee heard several bills focused on wildfire resilience, land use, and local government authority. SB 911 would require notification to fire agencies when a home in a high fire severity zone is sold under an agreement to complete defensible space compliance; the California Association of Realtors said it would drop opposition if the bill is amended to use the preliminary change of ownership report, and the bill passed 4-0 to Appropriations. SB 994 would bar local officials from entering nondisclosure agreements that prevent them from sharing information with the elected decision makers of their jurisdiction; supporters framed it as a transparency measure, and it passed 4-0 as amended. The consent calendar, including SB 958 and several other bills, was also adopted 4-0. The committee then took up SB 1041, which would expand PACE financing for wildfire home-hardening improvements statewide and add consumer protections, hardship provisions, and reporting requirements. Supporters, including Renew Financial and Cal Fire Local 2881, argued it would help homeowners finance fire-resistant roofs, vents, and other upgrades. Opponents, including homeowner advocates, county tax collectors, mortgage lenders, and consumer groups, warned that PACE has a history of contractor abuse, high costs, liens that survive bankruptcy, and risks to vulnerable homeowners. After extended debate, the bill advanced 3-2 to Appropriations and remained on call. SB 1075 would require local governments in AB 617 communities to consider air-quality impacts and community emissions reduction plans when approving certain commercial and industrial projects. Environmental justice supporters said the bill would help implement long-promised pollution reductions in heavily burdened communities, while business, local government, planning, and industry groups argued it duplicated CEQA and existing permitting processes, created litigation risk, and could deter investment and jobs. The bill passed 3-2 and remained on call. SB 958, relating to the Midway Rising redevelopment project in San Diego, was presented as a path for a long-planned housing and entertainment project with at least 4,250 homes, including 2,000 affordable units, and it passed 3-0 to Appropriations. Finally, SB 1182 would require local governments to consider insurance availability in safety planning for development in high fire hazard areas. The author said the bill responds to rising insurance costs and the Fair Plan’s growth, while supporters said it would better align land-use decisions with wildfire risk. Opponents and some committee members argued the bill was too vague, could burden cities, and would not solve the underlying insurance market problem. The discussion was ongoing when the transcript ended.

Transcript Highlights:

• We did you file accurately uses to correct payment.
• If we don't hear from you, it says automatically send a notice out for late payment.
• The few we hang out primarily an internal dispute.
• Property Insurance claims disputes unit within the education of disputes program and all of the positions
• That's an internal dispute resolution.

Transcript Highlights:

• But I'd like to pursue, if I could, the value-based payment arrangements that you're working on.
• Are there specific requirements for value-based payment plans that are sort of part of the template that
• That was an incentive payment, as Centene called it, that they were giving to all states to As Centene
• Most of them are employment disputes. They are labor disputes of some type that come before PERC.
• Nevertheless, I recuse myself on their union disputes as well.

Summary: The committee met to consider a large slate of appointments, with the main discussion centered on the confirmation of Chavon Harris as Secretary of the Agency for Health Care Administration (AHCA). Harris testified about her background in state service and outlined agency priorities including Medicaid financial accountability, transparency, managed care oversight, behavioral health redesign, rural health access, workforce recruitment, and use of technology and AI. Senators questioned her extensively about the Hope Florida/Medicaid settlement controversy, opioid settlement-funded advertising campaigns tied to marijuana prevention and the 2024 Amendment 3 election, public records compliance, abortion reporting and enforcement under the Heartbeat Protection Act, managed care denials, value-based purchasing, and Medicaid funding pressures. After debate, the committee voted to recommend her confirmation, with Senator Polsky voting no. The committee then considered Anna Ortega and Robert Payne for the Florida Public Service Commission. Ortega, a current PSC commissioner and former staff advisor, discussed utility regulation, data center load issues, ratepayer protections, transparency in PSC decisions, and lessons from other states. Payne, a former legislator and longtime utility co-op employee, emphasized his technical background and the need to balance utility returns with consumer affordability. Both nominees were confirmed by unanimous or near-unanimous votes and recommended favorably to the full Senate. Next, the committee heard from Jeffrey Aaron for reappointment to the Public Employees Relations Commission. Aaron described PERC’s role in public-sector labor disputes and said his work had been upheld in appellate courts without reversal. Senators questioned him about his law firm’s state contracts, his role as chairman of Attorney General James Uthmeier’s PAC, and his connection to the Hope Florida Foundation matter; he declined to discuss the pending investigation. Public testimony included opposition from Florida Voice for the Unborn. The committee nevertheless recommended his confirmation, with several no votes. Finally, the committee approved the remaining appointees on tabs 5 through 46 in a single vote, postponing Dr. John Littell and DCF Secretary Hatch, and then adjourned.

Transcript Highlights:

• Sources of payment for anyone that you need to pay. Thank you, Brandon.
• And gift cards is one way that the scammers do ask for payment.
• The impact to the consumer is estimated at $400 or $700 in increased premium payments.
• They get a commission, and then later on that policy cancels for non-payment.
• Reg E gives us specific guidelines on how we manage disputes and how we pay.

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members and witnesses describing scams targeting seniors, small businesses, and working families. The committee first approved the November 3, 2025 minutes, then heard from the Arkansas Bankers Association, the American Bankers Association, banks, the Attorney General’s Consumer Protection Division, the Arkansas Mortgage Bankers Association, the State Bank and Securities Department, the Insurance Department, and AARP. Witnesses described common schemes including spoofed bank calls and texts, government imposter scams, romance and investment scams, business email compromise, fake job postings, gift card scams, check fraud, wire fraud, reverse mortgage scams, identity theft, and insurance fraud. Several witnesses emphasized that cryptocurrency kiosks and crypto transfers make recovery difficult or impossible, and that artificial intelligence is making scams more convincing and scalable. Witnesses repeatedly stressed education, verification, and coordination among banks, law enforcement, regulators, and consumers. Bank and mortgage representatives urged consumers to slow down, independently verify wire instructions, avoid clicking unexpected links, use tap-to-pay rather than chip or swipe when possible, and never share account credentials or one-time codes. The Attorney General’s office said it investigates consumer complaints, mediates disputes, works with social media platforms to remove scam ads, and recently created a Financial Fraud Task Force with bankers and other stakeholders. The State Bank and Securities Commissioner highlighted the Safe AR Act, the state’s crypto kiosk framework, and fraud education efforts such as “fraud bingo,” while the Insurance Department described its law-enforcement role and a range of insurance-related fraud schemes it prosecutes. AARP said fraud is widespread and underreported, especially among older adults. Members asked about reporting scams, how losses are handled, whether tap is safer than chip, how crypto fraud works, whether Arkansas has model legislation to address telecom and social media impersonation, and how local law enforcement and state agencies coordinate investigations. Witnesses said banks generally absorb much of the financial loss under federal rules, while consumers bear the inconvenience and account changes. Several witnesses said Arkansas should consider additional legislation to hold telecom companies and social media platforms accountable for spoofed caller IDs and impersonation ads, and one witness said a federal Scam Act is moving in Congress. No additional votes or formal actions were taken beyond approval of the minutes, but witnesses agreed to share consumer education materials and model legislation with committee staff.