Video & Transcript : 'banking reform' :

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TX

Texas 89th Regular

Senate Session (Part I) Jul 30th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • And a lot of conversation is relevant to today before the implementation of the teacup reforms, and it
  • Interestingly enough if you propose some of the regulatory reforms that were even in the prior session
  • And most of those business owners are going to sue over both conversations of regulatory reform I've
  • Will not subscribe to any one of the two reform packages that I'm aware of and they will sue over it.
  • Beverages under both reform bills, to remind you today, that they've been discussed, are still legal
Bills: SB5 , SB11 , SB12 , SB9 , SB42 , SB15 , SB5 , SB11 , SB12 , SCR1
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Monday, April 7, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • So he made his case to join the Banking Committee.
  • veterans today because the veterans of tomorrow will not have the program because it'll break the bank
  • veterans today because the veterans of tomorrow will not have the program because it'll break the bank
  • I'm fighting for the food bank in Redmond that can't offer meat in its meals because of funding cuts.
Bills: HCR22 , HR1039 , HR586 , HR970 , HR877 , HR1228 , HR983 , HR981 , HCR9
CA
Transcript Highlights:
  • I've worked on swipe fee reform for a long time, and I know the banks and the credit card companies fight
  • They are not banks.
  • They are not banks.
  • So that would be the bank, because the bank, ultimately, for lack of a better term..."
  • banking card.
Summary: The Assembly Banking and Finance Committee heard several bills, beginning with AB 407, which would expand the California Pollution Control Financing Authority. The author said the measure would increase flexibility and access to resources, and the bill was approved 7-0 and sent to the Committee on Local Government. The committee also adopted the consent calendar, which included AB 76, by a 7-0 vote. A lengthy portion of the meeting focused on AB 1065, which would prohibit swipe fees on the sales tax portion of credit card transactions. Supporters, including small business owners, restaurant and grocery representatives, and a payments-policy expert, argued the bill would reduce costs for merchants and consumers and rein in dominant card networks. Opponents, including banks, credit unions, and payment industry groups, argued the bill is likely preempted by federal law, would be difficult to implement, and could disproportionately affect community banks and credit unions. After extensive questioning about preemption, fraud, implementation, and consumer impacts, the committee rejected the bill on a 6-0 vote, but then granted reconsideration by a 7-1 vote. The committee then heard AB 1365, which would create the Cal Account Program, a zero-fee, zero-penalty state banking account for unbanked and underbanked Californians. Supporters said the program would help low-income households, survivors of abuse, and others facing barriers to traditional banking, while opponents from community banks and credit unions argued existing low-cost accounts and the Bank On program already address the need and raised concerns about cost, feasibility, and duplication. The bill advanced on a 6-0 vote and later received enough votes on the reopened roll to move forward to the Committee on Labor and Employment. The committee also approved AB 1052, which would create a legal framework for digital assets and address unclaimed digital property and restrictions on public officials issuing or promoting digital assets, and AB 1180, which would create a pilot program for paying state fees with digital financial assets and require a report on broader adoption. Both bills passed with broad support after brief testimony and discussion. Final roll calls later confirmed AB 1052 and AB 1180, along with AB 407 and AB 1365, were moved out of committee.
WA

Washington 2025-2026 Regular Session

House Floor Session Feb 16th, 2026 at 09:00 am

Washington House Floor Meeting

Transcript Highlights:
  • Speaker, when we're reforming policy and taking into consideration all...
  • Speaker, when we're reforming policy and taking into consideration all the various opinions and stakeholders
Summary: The House convened with a quorum, offered the Pledge of Allegiance and prayer, approved the prior day’s minutes, and adopted House Resolution 4691 recognizing Presidents’ Day. Supporters of the resolution praised presidential leadership and civic ideals, while one member used the occasion to note the historical harms and contradictions of figures such as Washington, Lincoln, and FDR. The resolution was adopted by voice vote, and the House also recognized visiting former legislators and Black leaders in the chamber. The chamber then took up several bills, often suspending the rules to move measures directly to third reading. Second Substitute House Bill 1923, creating a local option for passenger-only ferry districts, passed 84-11 after debate over ferry reliability, local control, and possible tax “stacking.” Substitute House Bill 2475, requiring language-accessible public programs and services, passed 62-33 amid support for access and safety and opposition over unfunded mandates, overregulation, and concerns about technology and assimilation. Engrossed Substitute House Bill 2508, clarifying the Office of Independent Investigations’ authority, passed 90-6 after a technical amendment; supporters said it would improve police accountability processes, while some noted remaining concerns about investigations. House Bill 2464, requiring reporting and law-enforcement response data for incidents at private detention facilities, passed 58-38, with supporters emphasizing transparency and critics calling it political and questioning the agency chosen to collect the data. Substitute House Bill 2203, creating reckless interference with emergency barricades, passed 94-2 after testimony about flood rescues and the need for stronger deterrence. Second Substitute House Bill 2384, increasing oversight of continuing care retirement communities, passed 78-14; supporters cited senior protections and solvency, while opponents worried about duplicative costs. Second Substitute House Bill 2333, allowing certain campaign funds to be used for security and related protections for elected officials and candidates, passed 71-21 after debate over political violence and concerns about self-dealing. Second Substitute House Bill 1909, creating a Court Unification Task Force, passed 56-36, with supporters citing inconsistent court administration and opponents defending local control. The House also passed Second Substitute House Bill 1906 on water system rate transparency and consumer protection, 91-1; Engrossed Substitute House Bill 2548 on health care market standards and mergers, 53-38; Substitute House Bill 2405 establishing a PTSD pilot program with early treatment and return-to-work provisions, 90-1; and Substitute House Bill 2323 creating a Blue Envelope Program for autistic and neurodiverse drivers during traffic stops, 92-1. Throughout the day, members frequently split along lines of transparency, consumer protection, public safety, local control, and concerns about mandates or regulatory burden.
WA

Washington 2025-2026 Regular Session

House Floor Session Feb 16th, 2026

Washington House Floor Meeting

Summary: The House first considered House Bill 2156, which would authorize investigators in the Attorney General’s Office to serve electronic search warrants in limited economic and financial crime investigations, especially organized retail crime. Members debated a series of amendments on training standards, scope, background checks, warrant service, and definitions of covered crimes. Some amendments were adopted, including changes clarifying training and decertification standards, narrowing the scope of economic and financial crimes, and refining warrant-service language; others were rejected or ruled out of scope. The amended striking amendment passed 52-39, and the bill then passed final reading 54-43. The House then moved through several other measures. House Bill 2219, dealing with child care operational efficiency and licensing, was amended to strengthen safety language around opioids in licensed child care settings and passed 95-1. House Bill 2124, which raises the threshold for lump-sum retirement allowance payments, passed 96-0. House Bill 2266, concerning permanent supportive housing, traditional housing, and indoor emergency housing, was amended to add local-government notice, transparency, community-meeting, and siting provisions, then passed 56-40. Engrossed Second Substitute House Bill 1784, on certified medical assistants and telemedicine-related practice, received a cleanup amendment and passed 96-0. The House also passed House Bill 2523, which codifies the Community Reinvestment Program, after rejecting an amendment that would have redirected some funds to economic development; the bill passed 88-9. House Bill 2113, allowing certain medical supervision of diagnostic radiologic procedures in emergency settings, passed 97-0. House Bill 2632, updating state law terminology from “alien” to “non-citizen,” passed 58-39 after debate over precision versus respectful language. Engrossed Substitute House Bill 2476, expanding seating limits for theaters serving alcohol, passed 81-50. Finally, House Bill 2320, addressing firearms manufacturing involving 3D printers and CNC machines, was heavily amended to narrow and clarify language around code and additive manufacturing before the striker passed. The bill’s supporters framed it as a response to ghost-gun risks and recent incidents involving 3D-printed firearms, while opponents raised constitutional concerns about speech and gun rights. The transcript cuts off before the final vote on HB 2320 is recorded.
CA

California 2025-2026 Regular Session

Assembly Banking and Finance Committee Apr 21st, 2025

Banking and Finance

Transcript Highlights:
  • Visa and MasterCard fix interchange fee rates on behalf of the banks, so the banks don't have to compete
  • is community banks and state charter banks who have decided. to call California their home, who would
  • banks.
  • banking card.
  • Access to banking is crucial.
KY
Transcript Highlights:
  • ADU reform: two new states this year that have adopted statewide ADU reforms are Arkansas and Iowa.
  • </c> they're essentially rightsbased reforms they're essentially rightsbased reforms and<00:50:23.760
  • </c> So, what what are some of the reforms So, what what are some of the reforms that<00:51:24.800><c
  • ADU reform. Uh, two new active there. ADU reform.
  • </c> actually with a lot of these reforms. actually with a lot of these reforms.
Summary: The Kentucky Housing Task Force met and heard first from the Kentucky Chamber of Commerce, which presented findings from a housing study done with the Home Builders Association. The chamber said housing is now a major economic-development issue, citing survey results that 90% of community leaders said their region could not absorb a major job announcement and 66% said housing is holding back Kentucky’s economy. The chamber described Kentucky’s housing shortage, rising home prices, declining permits since 2008, and the need for more production to support growth. It urged policy changes including zoning and land-use reform, tax incentives, regional approaches, and especially a residential infrastructure fund modeled on Indiana’s low-interest loan program to help communities finance roads and other infrastructure needed for new housing. Members asked about the severity of the problem, workforce shortages in permitting and construction, the loan interest rate, repayment, and whether Kentucky could replicate Indiana’s results; the witness said the issue is a crisis and that the program would be a revolving public-private partnership, likely around 3% interest, with implementation details still to be worked out. The Kentucky Bankers Association then testified that the housing gap is especially acute for households at 80% of area median income and below, which it said represents about 70% of Kentucky’s housing need. It emphasized that the shortage affects both urban and rural counties and pointed to examples such as Rowan County, where workers at major employers must commute long distances because local housing is unavailable or unaffordable. The bankers said high interest rates remain a major barrier and proposed a $20 million bank commitment for a revolving fund tied to tax credits to finance new housing, not refinances. They cited Hope of the Midwest as an example of a successful tax-credit housing model with a long track record and no defaults, and said the proposal would leverage public-private partnerships to create new units. Committee members questioned how the proposed fund would compare with industrial revenue bonds and whether it could be structured like Kentucky’s tobacco settlement fund, with seed money, a review board, scoring criteria, and possible population thresholds to ensure smaller communities benefit. The bankers said the proposal would be another tool for cities and counties, specifically tied to residential infrastructure, and that larger cities should not be able to capture all of the resources. No formal votes or actions were taken during this portion of the meeting.
HI

Hawaii 2026 Regular Session

House Chamber - Thu Apr 16, 2026, 12:00PM HST - Day 45

Hawaii House Floor Meeting

Transcript Highlights:
  • for the next 30 years or so and discount that and convert it into how much money you'd need in the bank
  • for the next 30 years or so and discount that and convert it into how much money you'd need in the bank
AZ

Arizona 2026 Regular Session

02/04/2026 - Senate Health and Human Services

Health and Human Services

Transcript Highlights:
  • And this is happening even as need has surged at food banks and the cost of food and groceries remains
  • The reforms in this bill are proven to work.
  • So I hope you will support this continued reform of the program to make it not only better, but also
  • So I hope you will support this continued reform of the program to make it not only better, but also
  • So I hope you will support this continued reform of the program to make it not only better, but also