Transcript Highlights:

• in the transaction. in the transaction.
• safer transactions.
• transaction is over $6,700. transaction is over $6,700.
• . transactions. transactions.
• consumer sentiment. consumer sentiment.

Keywords: 1187, senate, all

Transcript Highlights:

• So my key priority is putting Texans consumers first and every So my key priority is putting Texans consumers
• with consumer choice.
• This creates a more efficient way for consumers and businesses to transact while continuing to rely on
• transactions, right?
• And then others would say that those that provide a full refund to consumers and have transaction limits

Keywords: 1185, senate, all

Transcript Highlights:

• you go to your favor on the tax and tip portion of a transaction.
• It's good for consumers.
• My name is Wanda Reddick, and I am here as a consumer.
• Consumers going to any of these practitioners may ask the questions that they should, as any consumer
• Consumers going to any of these practitioners may ask the questions that they should, as any consumer

Keywords: 995, all

Summary: The committee opened a hearing of the Joint Committee on Consumer Protection and Professional Licensure and reviewed a broad agenda including credit card fees, event ticketing, music therapy licensure, senior psychologist licensure, CPA pathways, school mental health licensure, and a bill regulating alternative healing therapies. The chairs explained hearing logistics, including three-minute testimony limits and submission of written testimony, and noted that more than 70 people had signed up to testify. Legislators and advocates were heard out of order throughout the day. A major portion of the hearing focused on credit card surcharge and interchange legislation. Restaurant owners, the Massachusetts Restaurant Association, NFIB, and other small-business witnesses supported bills allowing merchants to add convenience fees and, in one proposal, preventing card companies from charging fees on tax and tip portions of transactions. They argued that swipe fees are a major and growing cost, especially for restaurants, and that Massachusetts is one of only two states that bars surcharges. Opponents from the Cooperative Credit Union Association, the Electronic Payment Coalition, and the Electronic Transactions Association warned that the proposals would create compliance burdens, fragment the payment system, raise legal preemption issues, and disrupt a system they described as efficient and secure. The committee also heard competing testimony on ticket transferability and ticket resale. Supporters, including the National Consumers League and Sports Fans Coalition, said bills on ticket transferability would protect consumers who cannot attend events and would increase competition and savings in the secondary market. Opponents, including United Musicians and Allied Workers and theater owners, argued that mandatory transferability would weaken artists’ and venues’ ability to prevent scalping and predatory resale, and that some ticket sellers should be exempt from the broader ticketing regulations. Separate testimony supported music therapy licensure, senior psychologist licensure, and new CPA education pathways, with witnesses saying these measures would expand access to care and strengthen the workforce while maintaining professional standards. The hearing also drew extensive opposition to S.261 on alternative healing therapies, with practitioners and clients arguing it would overregulate spiritual and holistic practices and was not an effective response to human trafficking concerns.

Transcript Highlights:

• Commerce and Consumer Protection.
• involved in the transaction. involved in the transaction.
• the consumer, for the person. the consumer, for the person.
• . transaction. transaction.
• transaction eliminated? transaction eliminated?

Keywords: 910, house, all

Transcript Highlights:

• It's a final transaction.
• about the first transaction. about the first transaction.
• that begins when the transaction that begins when the transaction happens.
• And every single transaction was reviewed, and consumers were actually called by investigators to determine
• And every single transaction was reviewed, and consumers were actually called by investigators to determine

Keywords: 928, house, all

Summary: The subcommittee focused primarily on a bill concerning long-term care insurance rate increases and consumer notice. Members and staff discussed replacing or supplementing a proposed public hearing requirement with annual reporting, website updates, and consumer-facing disclosures about approved rate increases, carriers writing the products, and how the products work. Several participants emphasized that long-term care policies are long-term products, that rate increases can be spread over many years for actuarial reasons, and that consumers need better information about trends and the impact of increases. A major point of disagreement was whether the bill should try to cap premium increases. One member argued the real problem is unexpected increases of 15% to 20% and urged a statutory cap to protect consumers. Insurance department representatives and others responded that hard caps had been struck down in prior case law, that the department’s core responsibility is solvency, and that carriers need sufficient premium to pay future claims. They also said the market is struggling because many carriers stopped selling the product, leaving in-force policies to bear the cost, and that overly restrictive caps could cause insurers to withdraw from the state. The discussion then shifted toward a compromise requiring carriers to notify policyholders before a rate increase is approved and allowing a 60-day comment period. Participants debated whether the notice should come from the carrier, how confidentiality rules would apply before approval, and what the department should do with public comments. The department said it already reviews filings carefully and that submitted rates are often adjusted before approval; lawmakers noted that prior commissioners had pushed back on increases in some cases, including a seven-year moratorium. No final vote was taken in the excerpt, and the chair repeatedly tried to move the subcommittee along to other bills.

Transcript Highlights:

• Kevin Doyle, Consumer Energy Alliance of Florida, waives in support.
• To help attract more airlines and to make the consumer experience better.
• When you use that, the only type of fees are transactional.
• Third, the security of the specie, bullion, and transactional gold and silver.
• But I just think the consumers have to understand what the risks are.

Summary: The Ways and Means Committee met on April 2, 2025, with a quorum present and took up four bills. The committee first heard HB 4041, which would create the Corkscrew Grove Stewardship District in Collier County to finance and maintain infrastructure such as transportation, utilities, and stormwater systems without changing county regulatory authority. The bill drew no opposition, was reported favorably, and passed 14-0. The committee then considered HB 1485, which repeals Florida’s aviation fuel tax provisions. The sponsor argued the change would simplify the tax code, attract airline investment, and support lower fares and more routes. Members raised concerns about the estimated recurring $22.8 million impact on the State Transportation Trust Fund and $2 million on general revenue, and airport representatives warned of reduced grant and development funding, especially for general aviation and municipal airports. Supporters said the change would increase competition and fuel sales in Florida. The bill was reported favorably on a 12-5 vote. Next, the committee heard HB 999, which would recognize gold and silver as legal tender, allow electronic debit access to bullion accounts, and remove tax burdens on transactions involving precious metals. The sponsor and supporters described the bill as a way to protect purchasing power and provide an alternative parallel to the dollar, while opponents and some members raised concerns about consumer protections, predatory practices, privacy, and the role of the Office of Financial Regulation in rulemaking. After extensive testimony, the bill was reported favorably 19-0. Finally, the committee considered PCB WMC 25-01, which would reduce the state sales tax rate from 6% to 5.25% and also lower several related taxes, including the business rent tax, nonresidential electricity tax, mobile home sales tax, and coin-operated amusement machine tax. The proposal was estimated to reduce revenue by about $5.5 billion annually. Members discussed impacts on the budget, education funding, and whether savings would reach consumers, while supporters emphasized relief for Floridians and business competitiveness. The bill passed unanimously 19-0 and was reported favorably. The chair then noted a prior procedural apology on the record, and the meeting adjourned.

Transcript Highlights:

• I am the Director of Consumer Services.
• And then we also have convenience-focused consumers, so users who want quick and easy transactions and
• And then we also have convenience-focused consumers, so users who want quick and easy transactions and
• having transaction fee limits.
• So we have a lot of the consumer ...of some of the CHISA consumers that we talked with here in Washington

Summary: The committee first heard a work session on cryptocurrency kiosks from the Department of Financial Institutions and Spokane City Councilmember Paul Dillon. DFI described crypto kiosks as licensed money transmission terminals that allow cash purchases of virtual currency, and said the main concern is fraud: scammers often pressure victims, especially older adults, to deposit cash into kiosks and send it to wallets controlled by organized crime. DFI cited a sharp increase in kiosk volume, nationwide fraud complaints and losses, and said Washington currently has licensing and disclosure rules but lacks transaction and fee limits. The department said it is seeking stronger disclosures, a $1,000 daily transaction limit, and a fee cap. Spokane described its unanimous ordinance banning new kiosks and removing existing ones after local scam reports, and members asked about how the machines work, whether the fraud is in the hardware or the transaction, and whether stronger warnings or screening could help. The committee then reviewed home equity sharing agreements, or CHISAs, based on a report by Mariana Amaram and testimony from DFI and industry representatives. The report found that CHISAs provide homeowners a lump sum in exchange for a share of future home value or appreciation, with no monthly payments, but that consumers often struggle to understand the products and settlement calculations. The report said the market has grown quickly in Washington, that costs can be hard to predict, and that early uncapped contracts could produce very high settlement amounts, especially during periods of rising home prices. DFI said it views these products as mortgage loans and is moving forward with rulemaking, including counseling and clearer disclosures, while industry witnesses said the products are equity-based rather than debt-based and asked for tailored regulation. Members discussed the need for better consumer education, clearer payoff schedules, and whether the products should be treated as mortgages or a separate category. The final panel focused on Washington’s space economy, with presentations from Amazon Leo, Blue Origin, Stoke Space, Space Northwest, and Green River College. Speakers highlighted major in-state investments in satellite manufacturing, launch systems, and workforce training, including Amazon Leo’s Redmond and Kirkland facilities, Blue Origin’s Kent headquarters, and Stoke Space’s Kent manufacturing and Moses Lake test site. Space Northwest presented data showing the sector’s growing economic footprint, high-wage jobs, and regional clusters in Kent and Redmond, and urged more workforce programs, incentives, infrastructure support, and a state space commission. The companies emphasized local hiring, apprenticeship and certification programs, and the role of Washington’s aerospace supply chain in supporting the broader space industry. No votes were taken during the transcript excerpt.

Transcript Highlights:

• > Data consumer the Kentucky Consumer Data consumer the Kentucky Consumer Data Protection<00:20:30.280
• That was applied to all transactions and not just transactions for new users.
• It requires consumers to provide disclosures about the risk, the terms, and the conditions of each transaction
• . transaction. transaction.
• specific guardrails for transactions. specific guardrails for transactions.

Keywords: 958, all

Transcript Highlights:

• , as opposed to just the ATM transactions.
• People who have had good transactions don't contact you.
• Association says that 94% of our transactions are fraud.
• People who have had good transactions don't contact you.
• House Bill 467 is a simple consumer choice bill.

Bills: HB373

Keywords: infused beverages, THC, alcohol control, regulation, non-intoxicating cannabinoids, marijuana, legalization, taxation

Summary: The Senate Banking, Business, Insurance & Technology Committee met in hybrid format and heard testimony on several bills. HB 373, as amended, would regulate hemp-derived THC-infused beverages by defining the products, limiting them to 10 mg of Delta-9 THC per container, restricting sales to package stores and licensed marijuana retail stores, requiring testing and labeling, and imposing a 50-cent per container tax; the sponsor said the bill is intended to create guardrails and protect youth, and a wholesaler representative testified in support. HB 398 would allow racinos to serve alcohol until 2 a.m. and remove local authority to require earlier closing times; the sponsor and Bally’s representative said it would help Delaware remain competitive and increase revenue, and no opposition was heard. HB 433 would let municipalities and counties extend last call for bars, restaurants, and clubs from 1 a.m. to 2 a.m.; a witness from Connect Delaware supported it as a competitiveness and retention measure, emphasizing that it is permissive rather than mandatory. The committee also heard extensive testimony on HB 441, which would ban cryptocurrency kiosks/crypto ATMs in Delaware and require existing machines to be removed within 90 days. The sponsor and supporters, including AARP, the Delaware Department of Justice, and the League of Women Voters, argued the machines are heavily used in scams, especially against older adults, and that regulation has not been effective. CoinFlip opposed the bill, saying it is a regulated operator, that the fraud statistics are overstated or incomplete, and that Delaware should instead adopt a regulatory framework and amendment. HB 465 would update the criminal code to formally define virtual currency and incorporate it into theft, money laundering, racketeering, and search-and-seizure provisions; the sponsor said it would align Delaware law with modern crypto-related crimes, and no opposition was presented. The committee then heard HB 467, which would prevent landlords from requiring renters to buy insurance from a specific company while still allowing them to require coverage meeting lease terms; the sponsor described it as a consumer-choice bill and there was no public opposition. HB 435 would require payment parity for certified registered nurse anesthetists and physicians when the same services are provided; the sponsor, nurse anesthetists, the Delaware Health Care Association, the Department of Insurance, and ChristianaCare supported it as a workforce and access-to-care measure, with no opposition. Finally, HS 1 for HB 450, the Road DE Act, would overhaul permitting and traffic-impact review, emphasize peak-hour traffic, set density standards in growth areas, create a transportation impact fee, and direct some revenue to open space, farmland, and coastal restoration; realtors, builders, environmental groups, engineers, and GEAR supported it as a way to speed permitting, reduce sprawl, and improve infrastructure planning. The committee adjourned after public comment; no votes were recorded in the transcript.

Bills: HB3147, HB4453, HB3369, HB3660, HB3498, HB3260, HB3081, HB3127, HB3673, HB2293, HB3545, HB3546, HB2035

Keywords: special license plates, Route 66, Oklahoma, funding, community support, health care, transparency, primary care, cost analysis, insurance, all payer claims database, spending benchmarks, HB3369, food truck, food truck fire suppression, mobile food establishment, mobile food preparation vehicle, mobile food vendor, automatic fire extinguishing system, fire suppression

Transcript Highlights:

• oriented. transactions.
• , it's not clearly defined, merely referencing transactions that involve a material.
• That is a single transaction, but it also could be a series of transactions.
• So for a lot of these independent doctors, consumer price index inflation.
• So the material change transactions that. lead to consolidation and concentration are often elusive to

Bills: HB5141, HB4638, HB2264, HB2035, HB4813, HB4408, HB2684, HB1621, HB2300, HB216, HB3829, HB4466, HB1747, HB2284, HB3614, HB2587, HB3219, HB3318, HB5147, HB4014, HB216

Keywords: lease, state property, public purpose, Travis County, Health and Human Services, pharmaceutical initiative, drug distribution, healthcare services, generic drugs, advanced pharmaceuticals, cost savings, mental health, patient discharge, medical records, health care professionals, substance use, family involvement, chemical dependency, treatment facilities, minor admissions

Transcript Highlights:

• We're alarming consumers, potentially.
• Charles Contra Becky, intern at Stone Advocacy, on behalf of Consumer Watchdog, in support.
• Danny Kando-Kazer on behalf of the California Low-Income Consumer Coalition in support.
• Charles Contrabecky, intern, Stone Advocacy, on behalf of Consumer Watchdog, in support.
• Robert Horrell, Executive Director of Consumer Federation of California, in support.

Keywords: 987, senate, all

Transcript Highlights:

• And those costs are only going to then be passed on to the consumer.
• FAPIA's number one goal is and has always been to protect consumers, most importantly consumers who many
• Thank you. 1175 How will consumers safe 1176 money as a result 1177 How will consumers save money as
• satisfy a transaction.
• satisfy a transaction.

Summary: The committee met with a quorum and heard several insurance and banking bills. HB 1399, relating to property insurance affiliates, would increase Office of Insurance Regulation oversight of transactions between property insurers and affiliates, require fair-and-reasonable documentation, review of dividends and asset pledges, contract termination clauses, affiliate registration, and penalties for violations. Members from both parties generally supported the goal of transparency and accountability, though some raised concerns about costs and whether the bill would actually return money to insureds. The bill was reported favorably. HB 427, on public adjuster contracts, would allow vulnerable adults or their legal representatives to rescind public adjuster contracts without penalty, reflecting the sponsor’s personal concerns about protecting elderly and otherwise vulnerable family members from predatory contracting. Public testimony included support from several industry and elder-law groups, while the public adjuster association warned the bill could unfairly target one profession and urged broader language. Members debated whether the bill should be expanded to cover other solicitations and whether legal representatives should be treated differently, but the bill was ultimately reported favorably. The committee also approved HB 893, which aligns bank handling of law-firm trust accounts with Florida Supreme Court rules and supports legal aid funding, and HB 767, a transparency bill requiring insurers to provide consumers with plain-language explanations of rate increases and related factors. Members emphasized consumer education and clearer disclosures, and HB 767 passed 2-0. Later, HB 381, the Office of Financial Regulation agency bill, was amended and reported favorably; it updates financial regulation provisions including cybersecurity-related requirements, money services business rules, credit union and financial institution provisions, and fee timing. HB 777, a related public-records bill protecting nonpublic personal information submitted to OFR, was also heard and moved forward without opposition.

Transcript Highlights:

• importantly, uh there's consumer importantly, uh there's consumer protection<00:10:58.560> there.
• And this is the largest transaction.
• 46.640> counsel,<00:11:47.440> they consumer has to retain counsel, they consumer has to
• So if the transaction goes ary, state.
• transaction transaction um<00:16:38.959> still<00:16:39.199> have<00:16:39.360> to<

Bills: SB274, HB586

Keywords: cannabis, psychoactive cannabinoids, CBD, delta-8 THC, delta-9 THC, delta-10 THC, criminal penalties, youth protection, medical cannabis, HB586, Cullman, Cullman County, City of Cullman, annexation, municipal boundaries, corporate limits, local legislation, boundary adjustment, city limits, municipal expansion

Transcript Highlights:

• It does have quite a bit of consumer protection and warnings.
• It does have quite a bit of consumer protection and warnings.
• if that bank sees a nefarious transaction occurring.
• They don't transact with a bank. There's no transaction between the kiosks and a bank.
• We are advocating for as many consumer protections on this as possible, including things like daily transaction

Summary: The committee met with a quorum and heard five bills. HB 1097 would rename the Florida Catastrophic Storm Center at FSU as the Florida Center for Excellence in Insurance and Risk Management, transfer the public hurricane loss projection model from FIU to FSU, and provide recurring and nonrecurring appropriations to support independent insurance research and collaboration with OIR and other universities. Members discussed university roles, model oversight, independence from industry funding, and student/workforce benefits. The bill passed favorably on a roll call vote. HB 319 would create a regulatory framework for virtual currency kiosk businesses, requiring registration with the Office of Financial Regulation, consumer disclosures, and penalties for violations. Much of the discussion focused on fraud prevention, especially for seniors, and whether the bill should include transaction caps or stronger recovery tools; AARP supported the bill but urged additional protections. The bill passed favorably. CS/HB 385 made technical changes to the Florida Trust Code and Community Property Trust Act, including decanting, trustee claims, redemption by satisfaction, and homestead transfer treatment; an amendment conforming to the Senate version was adopted, and the bill passed favorably. CS/HB 97 would allow service of process for exploitation injunctions against unascertainable scammers through the same communication method used to contact the victim, such as text or social media, and would let courts freeze funds temporarily while the matter is heard. Testimony from elder law practitioners and AARP supported the bill as a tool against scams, while some members raised due process and overreach concerns; the bill passed favorably. HB 839 would shorten the overpayment recovery window for claims submitted to psychologists and HMOs to match other health providers, with the goal of improving parity and access to mental health care; an amendment was adopted, and the bill passed favorably. The meeting concluded with adjournment after the final roll call votes.

Transcript Highlights:

• It's also a consumer protection bill.
• This is about protecting consumers and protecting jobs.
• Because, you know, we've watched the transaction.
• Because, you know, we've watched the transaction.
• Manufacturers continue to make changes to address consumer demand while offering consumers a safe and

Keywords: 995, all

Summary: The committee heard testimony on House Bill 452, a right-to-repair bill for agricultural equipment. Farm Bureau and several manufacturers’ representatives opposed the bill, arguing that existing memorandums of understanding already provide farmers access to parts, diagnostics, and repair information, and warning that broader software access could increase emissions tampering and safety risks. Supporters, including repair advocates, a legislator, and a farmer representative, argued that the MOUs are not binding, that farmers need enforceable repair rights to avoid costly delays during critical harvest periods, and that owners should be able to repair equipment they bought without dealer lock-in. No vote was taken during the hearing. The committee also heard testimony on bills to limit or eliminate “grab-and-go” alcohol sales at large venues, including House Bill 325 and Senate Bill 225. Union workers from Fenway Park and the TD Garden described self-checkout alcohol kiosks as creating public safety and compliance problems, including underage access, over-serving, theft, and difficulty monitoring intoxication in crowded settings. They said workers are often understaffed and bear discipline when violations occur. In contrast, the Boston Red Sox and Aramark defended the supervised self-checkout model, saying it speeds service, is widely used, and operates with multiple layers of supervision, training, and regulatory oversight; they said they had not received violation notices and that any incidents are isolated. Senator Edwards also testified in support of House Bill 369, aimed at restricting marketing of certain harsh cosmetic products to children, and in support of the grab-and-go bill. She argued that children should not be targeted with products containing toxic chemicals and that alcohol service should remain supervised by trained staff to protect consumers and jobs. Senator Collins and other legislators also spoke in favor of restricting grab-and-go alcohol service, citing concerns about underage drinking and overconsumption. The hearing additionally included a separate bill on Sunday morning alcohol service, with Representatives Scanlon and Lewis arguing for allowing sales beginning at 8 a.m. on Sundays rather than 10 a.m., but that bill was only discussed briefly and no action was taken.

Transcript Highlights:

• And and again, maybe you clarify your saying regular cash transactions, you mean for are there transaction
• Also, it changes the refund requirement from the infant entire first transaction to all transaction fees
• were over the course of multiple transactions.
• , the 3rd, the 4th transaction.
• And so yet having these limitations per transaction for existing yet having these limitations per transaction

Transcript Highlights:

• If left unchecked, it can bring serious risks of harm to consumers.
• This bill ensures that the decision is left up to the consumer.
• Credit unions support financial wellness and education for consumers, and consumer choice is part of
• And, you know, there were about two million transactions..."
• (OCCC) and the volume of transactions. "...complaints, and you know, there were about two million transactions

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

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

Summary: The Senate Committee on Business and Commerce heard testimony on HB 149, the Artificial Intelligence Governance Act. Senator Schwertner described the bill as an outcomes-based AI framework that would require disclosure when people interact with AI, prohibit manipulative or social-scoring systems, address biometric capture, discrimination, and deepfake child exploitation, and give the Attorney General enforcement authority. It would also create an AI Sandbox and AI Council. Witnesses from the Texas Public Policy Foundation, a Houston attorney, TechNet, and the Texas Association of Business strongly supported the bill, praising its stakeholder process and pro-innovation approach, while Texas Appleseed suggested regulators should have more examination authority over sandbox participants. The bill was left pending. The committee then heard SB 229, which would prohibit motor vehicle dealers from conditioning a sale on dealer-offered financing or charging more because a buyer uses outside financing or cash. Senator West said the bill is meant to stop forced financing and bait-and-switch pricing, and he noted the bill passed the committee and Senate in the prior session. The Texas Automobile Dealers Association opposed the bill, arguing it would force dealers to accept any third-party lender or cash transaction on terms they cannot control. The Texas Credit Union Association supported the bill, saying consumers should be able to choose outside financing without hidden fees or pressure. After questions about cash purchases and dealer practices, the bill was left pending. The committee also took up SB 2566, which would clarify legislators’ access to information from executive agencies, including confidential information, by setting response deadlines, limiting confidentiality agreements to statutory terms, requiring a standard AG form, and creating a complaint and penalty process for noncompliance. No witnesses testified, and the bill was left pending. Finally, SB 1749, as substituted, would let certain court-related employees and judicial conduct commission personnel keep personal information such as home addresses and phone numbers confidential, with work addresses used in place of home addresses for certain purposes. District clerk and judicial conduct commission witnesses described threats and harassment as the reason for the bill, and a court administration witness answered questions about how the address protections would work with voter registration and precinct records. That bill was also left pending, and the committee recessed without further business.

Transcript Highlights:

• > who<00:06:05.600> thought transactions for people who thought transactions for people
• <00:06:11.600> and and they go through a transaction and and they go through a transaction
• This is a consumer protection bill.
• <00:12:21.680> are circle of love so that consumers are circle of love so that consumers are
• The consumer in the forefront.

Bills: HB586

Keywords: 923, senate, all

Transcript Highlights:

• the first meeting, an organizational meeting today, regarding the future of payments and sales transactions
• This is a special initiative commission to study the future of payments and sales transactions by credit
• the first meeting, an organizational meeting today, regarding the future of payments and sales transactions
• This is a special initiative commission to study the future of payments and sales transactions by credit
• with consumers using credit cards or other means of payment, including, without limitation, cash, check

Keywords: 995, all

Summary: The House and Senate chairs opened the first organizational meeting of the special initiative commission created by Chapter 238 of the Acts of 2024 to study the future of payments and sales transactions by credit card and the impacts on small businesses. They explained that no testimony would be taken at this meeting; instead, the commission would begin its work, introduce members, and prepare for future hearings and a final report with recommendations on credit cards and other payment methods. The chairs outlined the commission’s charge: to examine payment trends, cashless transactions, credit card fees, mobile payments, buy now, pay later financing, and the effects of section 28A of chapter 140D on small businesses. They said the commission would likely organize hearings around business and consumer impacts, the legal and regulatory landscape, and policy options such as transparency measures, reporting requirements, and possible limits. Members discussed the importance of hearing from retailers, restaurants, banks, small businesses, and possibly experts, and suggested considering cryptocurrency and whether hearings should be held outside the State House or include regional access. Several commissioners and stakeholders introduced themselves, including representatives from the Attorney General’s office, the House, the Executive Office of Economic Development, the Commissioner of Banks, retail and restaurant associations, a banking representative, and two small business owners. The chairs said interested parties could sign up to testify or receive notices, written testimony would be accepted, and the first hearing was tentatively set for April 8 in Gardner Auditorium. The meeting ended with a motion to close, which passed unanimously.