Transcript Highlights:

• It applies to not the actual internet service providers, but those websites.
• Is this type of service working? And they like it better than the lawyers, Mr.
• This bill is a safeguard for the judges and attorneys and those seeking legal services.
• I appreciate your important service on this item.
• Of not just customer service, but meeting a constitutional need.

Bills: HB2242 , HB2446 , HB2799 , HB4502 , HB2920 , HB2790 , HB5620 , HB5060 , HB5076 , HB5080 , HB5081 , HB5128 , HB5130 , HB3847 , HB5116 , HB2969 , HB4546 , HB4202 , HB5624 , HB3964 , HB4803 , HB872 , HB4775 , HB4777 , HB4961 , HB5570 , HB2988 , HB4260 , HB1375 , HB5009 , HB5411 , HB5134 , HB4388 , HB3095 , HB1387

Committee: House Judiciary & Civil Jurisprudence

Keywords: constables, civil rights, local government, law enforcement, policy-making authority, affidavit, medical bills, civil actions, reasonable charges, healthcare services, judicial statistics, court performance, family law, civil cases, efficiency reporting, court security, emergency management, harassment penalties, judicial safety, court committee

Summary: The committee heard House Bill 4961, which would bar uninsured motorists from recovering non-economic damages after a collision. The author said the bill is intended to create incentives to maintain insurance and to address what he described as an unfair system for insured drivers. Texans for Lawsuit Reform and Texas Eagle Forum testified in support, while the Texas Trial Lawyers Association opposed it, warning the bill could also affect pedestrians, passengers, children, and others who did not choose whether a vehicle was insured. The bill author clarified that passengers would be included in the bill’s coverage. No vote was taken and the bill was left pending. House Bill 5570 would extend a legislative attorney CLE exemption to attorneys appointed by the governor and confirmed by the Senate to boards or commissions. The author said the measure is meant to ease time burdens and encourage service, and a witness supported it as a modest incentive for public service. A committee member noted a discrepancy in the number of affected attorneys, and the author agreed to verify the correct figure. The bill was left pending. The committee also heard House Bill 2969, which would restrict the State Bar from adopting rules or penalties that unreasonably burden attorneys’ religious exercise or free speech based on sincerely held beliefs. The author and several witnesses from Texas Values, Alliance Defending Freedom, and Cecilia Wood argued the bill protects lawyers of faith from an ABA model rule they described as a speech code. No one testified against the bill, and it was left pending. House Bill 4260, which would prohibit county judges and county commissioners from practicing law in courts over which they have jurisdiction, drew opposition from the County Judges and Commissioners Association, which argued existing ethics rules already address conflicts and that the bill would burden rural officials. The author said the bill was prompted by concerns about judges using their office to pressure others. The bill was left pending. House Bill 5134 would limit Rule 202 pre-suit depositions to people who have suffered or reasonably expect actual damages and would allow attorney’s fees against abusive petitioners. The author said the bill is aimed at preventing harassment and fishing expeditions, especially in family-law disputes. Questions focused on how the standard would work and how it differs from current law; the author said the main change is fee-shifting and a clearer legislative directive. The bill was left pending. House Bill 3095, a committee substitute version of a similar uninsured-motorist bill, would bar uninsured motorists from recovering non-economic damages and limit economic recovery, with several exceptions. Trial lawyers argued it was unconstitutional because it capped economic damages and could unfairly affect innocent drivers, pedestrians, and older people who no longer drive. The author acknowledged constitutional concerns and said the bill would need further work; the committee withdrew the substitute and left the bill pending. Finally, House Bill 4388 would require all judges, including county judges who perform administrative duties, to remain subject to the Code of Judicial Conduct. Supporters said some elected judges avoid accountability by relinquishing judicial functions, while opponents argued the bill is too rigid and unnecessary because existing remedies already exist. House Bill 3964 would limit public nuisance claims to their historical role and bar such claims against lawful conduct, conduct already covered by other remedies, and products. The author and supporters said the bill is meant to prevent courts from using public nuisance to make policy, while opponents argued it would eliminate useful remedies and could affect local actions against environmental or product-related harms. The author said the bill would not affect statutory nuisance claims, private nuisance claims, or other causes of action, and would be amended to clarify some provisions. The bill was left pending.

Transcript Highlights:

• It applies to not the actual Internet service providers, but those websites.
• Is this type of service working? And they like it better than the lawyers, Mr.
• This bill is a safeguard for the judges and attorneys and those seeking legal services.
• I appreciate your important service on this item.
• We are full service. We'll take care of any health needs that you have. Think about this.

Bills: HB2242 , HB2446 , HB2799 , HB4502 , HB2920 , HB2790 , HB5620 , HB5060 , HB5076 , HB5080 , HB5081 , HB5128 , HB5130 , HB3847 , HB5116 , HB2969 , HB4546 , HB4202 , HB5624 , HB3964 , HB4803 , HB872 , HB4775 , HB4777 , HB4961 , HB5570 , HB2988 , HB4260 , HB1375 , HB5009 , HB5411 , HB5134 , HB4388 , HB3095 , HB1387

Committee: House Judiciary & Civil Jurisprudence

Keywords: constables, civil rights, local government, law enforcement, policy-making authority, affidavit, medical bills, civil actions, reasonable charges, healthcare services, judicial statistics, court performance, family law, civil cases, efficiency reporting, court security, emergency management, harassment penalties, judicial safety, court committee

Summary: The committee heard testimony on several bills affecting civil practice, judicial conduct, and attorney regulation. HB 4961 and the similar HB 3095 would bar uninsured motorists from recovering non-economic damages after a collision, with HB 3095 also addressing certain exceptions and limiting economic damages in some cases. Supporters said the measures would encourage insurance coverage and fairness for insured drivers, while opponents argued they would unfairly punish injured people who were not responsible for the lack of insurance, including pedestrians, passengers, children, and others. HB 3095 drew constitutional concerns from witnesses, and the committee later withdrew the committee substitute and left the bill pending; HB 4961 was also left pending after questions about its scope, including passengers. HB 5570 would expand a continuing legal education exemption to attorneys appointed by the governor and confirmed by the Senate who serve on boards or commissions. The author and witness said the bill would free up time for public service while still requiring ethics training. A committee member raised a discrepancy in the number of attorneys covered, and the bill was left pending. HB 2969 would prohibit the State Bar from adopting rules or penalties that unreasonably burden attorneys’ religious exercise or free speech, especially in relation to sincerely held religious beliefs. Supporters framed it as a protection for lawyers of faith against an ABA-style speech code, while no one testified in opposition; the bill was left pending. HB 4260 would prohibit county judges and county commissioners from practicing law in courts over which they have jurisdiction. The author described it as an ethics measure to avoid conflicts of interest, but county officials and the County Judges and Commissioners Association opposed it, saying existing ethics rules already address conflicts and that the bill would impose hardships, especially in rural counties. The bill was left pending. HB 4388 would require all judges, including those who serve only in administrative roles, to remain subject to the Code of Judicial Conduct; supporters said some judges avoid discipline by relinquishing judicial functions, while opponents said the bill was unnecessary and could burden county judges who serve as administrators. It was also left pending. The committee also heard HB 5134, which would limit Rule 202 pre-suit depositions to people who have suffered or reasonably expect to suffer actual damages and allow attorney’s fees against abusive petitioners. The author said the bill would curb harassment and fishing expeditions, but members questioned how the standard would work in practice; the bill was left pending. Finally, HB 3964 would narrow common-law public nuisance claims by barring suits over lawful conduct, conduct already addressed by other remedies, and products, while preserving other causes of action. Supporters said the bill would prevent regulation through litigation and protect legislative authority; opponents said it would eliminate important remedies and that no Texas abuse had been shown. The author indicated he would revise the bill, and it was left pending.

Bills: HB2242 , HB2446 , HB2799 , HB4502 , HB2920 , HB2790 , HB5620 , HB5060 , HB5076 , HB5080 , HB5081 , HB5128 , HB5130 , HB3847 , HB5116 , HB2969 , HB4546 , HB4202 , HB5624 , HB3964 , HB4803 , HB872 , HB4775 , HB4777 , HB4961 , HB5570 , HB2988 , HB4260 , HB1375 , HB5009 , HB5411 , HB5134 , HB4388 , HB3095 , HB1387

Committee: House Judiciary & Civil Jurisprudence

Keywords: constables, civil rights, local government, law enforcement, policy-making authority, affidavit, medical bills, civil actions, reasonable charges, healthcare services, judicial statistics, court performance, family law, civil cases, efficiency reporting, court security, emergency management, harassment penalties, judicial safety, court committee

Transcript Highlights:

• We believe this bill will also help us provide uninterrupted service for our JPs, and with that... ..
• This industry is my home too, supported by 30 years of experience and commitment to public service. was
• You have 14 days to respond to the court or to appear, or they have alternate service. Correct.
• But alternate service also goes through me. I must approve alternate service.

Bills: HB2242 , HB2446 , HB2799 , HB4502 , HB2920 , HB2790 , HB5620 , HB5060 , HB5076 , HB5080 , HB5081 , HB5128 , HB5130 , HB3847 , HB5116 , HB2969 , HB4546 , HB4202 , HB5624 , HB3964 , HB4803 , HB872 , HB4775 , HB4777 , HB4961 , HB5570 , HB2988 , HB4260 , HB1375 , HB5009 , HB5411 , HB5134 , HB4388 , HB3095 , HB1387

Committee: House Judiciary & Civil Jurisprudence

Keywords: constables, civil rights, local government, law enforcement, policy-making authority, affidavit, medical bills, civil actions, reasonable charges, healthcare services, judicial statistics, court performance, family law, civil cases, efficiency reporting, court security, emergency management, harassment penalties, judicial safety, court committee

Transcript Highlights:

• Once a platform becomes aware of CSAM, child sex trafficking, or online enticement on its service, federal

Bills: SB147 , SB414 , HB220 , HB750 , HB799 , HB827 , HB952 , HB953

Committee: Senate Commerce, Consumer Protection, and International Affairs

Keywords: roof standards, construction code, residential property, fortified roofs, insurance, medical debt, interest rate, healthcare services, consumer protection, debt collection, Louisiana Medical Debt Protection Act, child exploitation, online reporting, platforms, cyber crime, PROTECT Act, automatic renewal, cancellation policy, subscription service, transparency

Transcript Highlights:

• competitive bidding requirements, establishing that state agencies do not have to bid professional services

Bills: HB3057 , HB3279 , HB4428 , HB3420

Committee: Senate Retirement and Government Resources

Keywords: government reporting, information technology, child welfare, environmental policy, state agency compliance, employment restrictions, state officers, prohibited acts, government contracts, public service, public finance, pension, pension fund, retirement system, board of trustees, proxy voting, proxy proposal, shareholder vote, shareholder activism, fiduciary duty

Transcript Highlights:

• , hotel shelter programs, eviction court support services, rental assistance, housing support services
• , hotel shelter programs, eviction court support services, rental assistance, housing support services
• </c> funds pay for community service funds pay for community service navigators.<00:02:08.800><c> They
• towards, um, services and increasingly digital<00:55:56.280><c> services.
• </c> sales tax to fund public services. sales tax to fund public services.

Bills: HF4561 , HF4343

Committee: House Taxes

Keywords: homeless prevention aid, homelessness, housing stability, rental assistance, family homelessness, unaccompanied youth, housing navigation, legal representation, family outreach, county aid, Tribal governments, local government aid, general fund appropriation, unspent funds, aid redistribution, sunset repeal, Minnesota property tax aid, services for persons experiencing homelessness, sales tax, use tax

Transcript Highlights:

• service.
• </c> of an essential service. of an essential service.
• </c> intensive service. intensive service.
• </c> providers in those 13 services. providers in those 13 services.
• </c> the 14 services. the 14 services.

Bills: HF3526 , HF3375 , HF3469

Committee: House Human Services Finance and Policy

Keywords: home care, licensing, fines, advisory council, grant program, client safety, healthcare regulation, HF3375, Minnesota disability waiver, waiver rate system, human services, individualized home supports, individualized home supports with training, individualized home supports with family training, positive support services, employment support services, employment development services, employment exploration services, billing limits, service authorization year

Transcript Highlights:

• going to do more harm to people and really tie their hands to not be able to continue to provide the service
• predicament when we create things like this when they're trying to do the best they can to provide services
• predicament when we create things like this when they're trying to do the best they can to provide services
• predicament when we create things like this when they're trying to do the best they can to provide services
• predicament when we create things like this when they're trying to do the best they can to provide services

Bills: HB128 , SB297 , HB128 , SB297

Committee: Senate Healthcare

Keywords: HB128, Alabama Board of Nursing, Sunset Law, sunset review, nursing board, nurse licensure, registered nurse, RN, licensed practical nurse, LPN, advanced practice nursing, certified registered nurse anesthetist, CRNA, consumer member, board appointments, congressional districts, geographic representation, nursing regulation, nursing education programs, licensure compact

Bills: HJR1032 , SB1273 , SB1433

Committee: Senate Administrative Rules

Keywords: HJR1032, House Joint Resolution 1032, Service Oklahoma, administrative rules, rule repeal, joint resolution, Oklahoma Administrative Code, OAC 670:15-1-10, OAC 670:15-1-14, agency regulation, legislative oversight, Secretary of State, Oklahoma Register, rulemaking, permanent rules, administrative code, state government, task force, agency review, board review

Transcript Highlights:

• House Joint Resolution 1032 aligns Service Oklahoma rules with Senate Bill 1100 that was went into effect

Bills: HJR1032 , SB1273 , SB1433

Committee: Senate Administrative Rules

Keywords: HJR1032, House Joint Resolution 1032, Service Oklahoma, administrative rules, rule repeal, joint resolution, Oklahoma Administrative Code, OAC 670:15-1-10, OAC 670:15-1-14, agency regulation, legislative oversight, Secretary of State, Oklahoma Register, rulemaking, permanent rules, administrative code, state government, task force, agency review, board review

Summary: The Senate Administrative Rules Committee met to discuss upcoming rule-review packets and then considered three measures sponsored by Senator Bergstrom. Chairman Bergstrom said the committee’s first packet covered judiciary rules, a second packet on education would follow, and members were expected to review the materials and raise questions so agencies could provide written responses. Senate Bill 1273 created the Oklahoma State Agency, Board, and Commission Review Task Force to examine the efficiency, effectiveness, and necessity of state agencies, boards, and commissions and recommend legislative action. Members asked about overlap with existing committee work and whether the task force would require staff or create a fiscal impact. Bergstrom said it would use existing House and Senate staff and should have no fiscal impact. The bill passed 9-0. Senate Bill 1433, the Guidance Transparency Act, would require state agencies to publicly disclose guidance documents, memos, bulletins, and similar materials in a searchable database so they cannot function as undisclosed rules. Bergstrom said the measure was intended to prevent agencies from regulating through unofficial guidance and that the governor’s office and Secretary of State supported it. After questions about staffing and whether agencies could evade disclosure, the bill passed 7-2. House Joint Resolution 1032 would align Service Oklahoma rules with existing law and prior executive action regarding changes to birth certificates and state IDs related to sex or gender identity changes; Bergstrom said the rules, not statutes, were being moved. It passed 7-2. The meeting ended with Bergstrom urging members to review the rule packets and submit questions before adjournment.

Transcript Highlights:

• ,</c><01:19:06.320><c> we</c> But if you wanted direct services, we But if you wanted direct services
• </c><01:19:17.679><c> gets</c> done to make sure that service gets done to make sure that service gets
• </c> complex area or service delivered. complex area or service delivered.
• </c> superintendent for fiscal services superintendent for fiscal services testifying<01:20:31.920><c
• </c> the office of student support services the office of student support services or<03:02:30.479><c

Bills: SB2613 , SB2147

Committee: Senate Education

Keywords: public school land transfer, Department of Education, DOE, land conveyance, fee simple title, tax map key, TMK, Act 307, Session Laws of Hawaii 2022, Act 139, Board of Land and Natural Resources, BLNR, Department of Land and Natural Resources, DLNR, Kauai, Maui, Honolulu, Kaimuki Middle School, Wilcox Elementary School, school property

Summary: The committee heard SB 2613, a cleanup bill relating to public school land transfers under Act 307 (2022), which revises tax map key references and the conveyance process for properties transferred to the Department of Education. The Hawaii State Public Library System supported the measure, saying it would complete the long-unfinished separation of the library system from DOE property control and make future building projects more efficient and cost-effective. DOE also supported the bill and requested an amendment to remove TMK 43-62 parcel 10, the Wilcox Elementary School parcel, so that it could instead be transferred to the county for use with the adjacent park and tennis courts. Members focused heavily on why land transfers and construction approvals have been slow, especially the need for right-of-entry documents and an MOA for a library construction project. Library and DOE witnesses said the delays stemmed from site-control issues and confusion over property status, and that the bill would clarify which parcels are transferred by operation of law and remove the need for additional transactional documents in many cases. Several members questioned whether the bill actually changes authority or simply clarifies existing practice, and DOE said it wanted legislative clarity so the transfers are unmistakably effective on a date certain. The committee also discussed a separate section of the bill dealing with public use of school facilities after hours, including parking fees on property under DOE jurisdiction. DOE explained that any parking charges would apply only to property it controls, not county roads, and that fees are set through existing facility-use procedures. Members raised concerns about the pace of land transfers generally and urged DOE to move more expeditiously on pending parcels. The hearing then moved on to SB 2147, which would designate the first Friday in February as Love My Library Day; the library system testified in support as the committee began that measure.

Bills: HB0034 , HB0035 , HB0036 , HB0106

Committee: House Appropriations

Keywords: HB0034, Wyoming retirement system, Wyoming Retirement Act, firefighter retirement, public employee retirement, retirement benefits, state pension, wildland firefighting, wildland firefighter, crash and rescue, Wyoming National Guard, Office of State Lands and Investments, Wyoming Retirement Board, correctional forestry crew, correctional crew supervisor, correctional forestry crew manager, general fund appropriation, state agency employees, service credit, benefit eligibility

Bills: HB0034 , HB0035 , HB0036 , HB0106

Committee: Senate Appropriations

Keywords: HB0034, Wyoming retirement system, Wyoming Retirement Act, firefighter retirement, public employee retirement, retirement benefits, state pension, wildland firefighting, wildland firefighter, crash and rescue, Wyoming National Guard, Office of State Lands and Investments, Wyoming Retirement Board, correctional forestry crew, correctional crew supervisor, correctional forestry crew manager, general fund appropriation, state agency employees, service credit, benefit eligibility

Transcript Highlights:

• If you want to do it, take over the service.
• Senator Benke, I miss you in human services. Miss you, too.
• So we want to start there. in the specifics of the bill. educational services.
• The claims shall be subject to verification by the Department of Enterprise Services.
• Appreciate your service, and thank you for your testimony. Thank you, ma'am. Okay.

Bills: SB6052 , SB6051 , SB5907 , SB5860 , SB5574

Committee: Senate Early Learning & K-12 Education

Keywords: digital transcript, transcript sharing, student records, education data exchange, K-12, higher education, community colleges, universities, school districts, charter schools, state-tribal education compact schools, educational service districts, data interoperability, secure platform, student consent, FERPA, privacy, education technology, records management, transcript standard

Transcript Highlights:

• </c><00:02:15.120><c> We</c> obligation to provide these services.
• We obligation to provide these services.
• </c><00:03:11.200><c> both</c> required court interpreter services both required court interpreter services
• Those are the ones we were going to cover from the mandated services. That's about 90%.
• . services. services.

Keywords: 00:10 Call to order and Roll Call 01:06 Information Items and Introduction of Kentucky Court of Justice 03:02 Discussion of Interpreter State and National Contractor Rates 06:35 Discussion of Certifications 08:44 Discussion of AI use in Interpretation 13:56 Software Service Initiatives 16:47 Data Security and AV system Upgrades 24:38 Drug Court Issues 28:43 Discussion of Jefferson County Record Storage 35:33 Boyle County Courthouse Construction 39.26 KY State Police Driver Testing 45:22 Adjournment, 958, all

Summary: The subcommittee heard a budget overview from the Kentucky Court of Justice focused on mandated services and several growth items in the judicial branch budget. Court officials said the requests were driven by legal and contractual obligations, including higher contractor rates for court interpreters and IT support, annual software-as-a-service costs, and upgrades to the court’s audiovisual record system (JAVS). They also discussed local facilities needs tied to Jefferson County lease space and the Boyle County Courthouse, though the bulk of the presentation centered on the court’s technology and service-delivery costs. Members asked detailed questions about interpreter services, including whether services are provided in person, by phone, or by Zoom, and whether Kentucky could train and certify more local interpreters instead of relying on contractors from around the country. Court officials said the certification process is rigorous, that the branch is working with the National Center for State Courts on an apprenticeship program, and that they believe Kentucky may have flexibility to develop state-level certification if it meets court needs. They also said they are exploring technology and AI tools for translation, but have not found a solution that reliably handles complex courtroom context. Representative Sharp asked whether cases had been delayed for lack of interpreters; officials said they could provide aggregated data later. The court also described its major IT modernization effort, including a statewide case management system, e-filing, and maintenance of many legacy applications. Officials said contractor rates need to be raised to compete for skilled labor during the implementation phase, but that those costs should decline once the new systems are fully built and only maintained. They explained that part of the request covers three SaaS initiatives: ongoing subscription costs for existing systems, annual fees for the CaseWorks system used in pretrial and specialty courts after federal grant funding ends, and adoption of DocuSign to streamline invoicing, procurement, and contract execution. In response to questions from Representative KC Carney, they said cybersecurity is taken seriously, that they recently conducted a tabletop exercise, and that some risk shifts to cloud vendors under contract, though no separate cybersecurity line item was included. A substantial portion of the discussion focused on the JAVS audiovisual court-record system. Court officials said not all courtrooms are on the same version, and they want funding to bring all locations up to the current version and prepare for version 9, which they said would standardize the system statewide and support the official court record. When asked about costs, they said each upgrade can cost about $70,000 to $80,000 per system, that they aim to upgrade about 50 per year, and that the request reflects the need to keep pace with a four-year refresh cycle. No votes or formal actions were taken during the meeting.

Bills: HB1237 , HB2663 , HB3071 , HB4384

Committee: Senate Natural Resources

Keywords: occupational licenses, renewal, Texas Commission on Environmental Quality, registration, license expiration, HB 2663, inactive well, plugging extension, Railroad Commission of Texas, RRC, oil and gas, orphan wells, well cleanup, well plugging, abandoned wells, surface equipment removal, electric service termination, administrative penalty, Natural Resources Code, Section 89.029

Transcript Highlights:

• and gas wells that have been inactive for 10 or more years to... ...to affirm that all electrical service
• violation when an operator falsely affirms compliance or fails to properly decommission electrical service
• And we thank you for your service. I'm glad you're still here. Thanks. Thank you.
• rating, affecting their ability to reinvest in products that ensure safe, reliable, and affordable services
• carrying costs, known as PISCC. and property taxes for newly placed in-service infrastructure that has

Bills: HB1237 , HB2663 , HB3071 , HB4384

Committee: Senate Natural Resources

Keywords: occupational licenses, renewal, Texas Commission on Environmental Quality, registration, license expiration, HB 2663, inactive well, plugging extension, Railroad Commission of Texas, RRC, oil and gas, orphan wells, well cleanup, well plugging, abandoned wells, surface equipment removal, electric service termination, administrative penalty, Natural Resources Code, Section 89.029

Transcript Highlights:

• Again, our company only services law enforcement agencies and doesn't engage in any activities outside
• We would prefer that Lomita PD not have to develop their own facial recognition services or anything,
• would be beneficial. ...or if governmental agencies could contract with a provider that offers these services
• I wouldn't think you'd want to force any kind of lending service that you'd have to take.
• serve on the commission, because it is a voluntary duty, and the staff that is working to provide service

Bills: HB12 , HB149 , HB12 , HB149 , SB229 , SB1361 , SB1749 , SB1897 , SB2113 , SB2566 , SB2677 , SB1652 , SB2327 , SB2344 , SB2696

Committee: Senate Business & Commerce

Keywords: election law, attorney general, prosecution, criminal offenses, law enforcement, jurisdiction, voter fraud, local prosecuting attorney, public safety, communication, governor approval, interoperability, political subdivision, radio systems, artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance

Transcript Highlights:

• It also authorizes the Health and Human Services.
• Services Commission Executive Commissioner or designee to obtain criminal history record information
• Brad Davenport, assistant director with the City of San Antonio Animal Care Services.
• After that, I moved on to Athens Animal Services.
• SB 2113 is in service of this provision.

Bills: HB12 , HB149 , SB229 , SB1361 , SB1749 , SB1897 , SB2113 , SB2566 , SB2677 , SB1652 , SB2327 , SB2344 , SB2696 , HB12 , HB149

Committee: Senate Business & Commerce

Keywords: artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing