Transcript Highlights:

• ...is that on the vulnerable population side, that who's, even though there is ways to talk about fraud

Bills: SB206 , SB640 , SB667 , SB1344 , SB1380 , SB1423 , SB1425 , SB1436 , SB1484 , SB1500 , SB1502 , SB1503 , SB1557 , SB1562 , SB1572 , SB1644 , SB1645 , SB1794 , SB1796 , SB1806 , SB1849 , SB1984 , SB2007 , SB2074

Committee: House Health and Human Services Oversight

Keywords: SB206, emergency medical services, EMS, ambulance, 911 response, emergency response, essential services, federal funding, grant funding, public health, health care facility, municipality, county, ambulance service district, tribal entity, public entity, contract ambulance service, Oklahoma, 63 O.S. 2021 Section 1-2502, emergency clause

Transcript Highlights:

• We're here to stop the fraud. We want to make Minnesota affordable, safe, and competitive.
• We're here to stop the fraud. We want to make Minnesota affordable, safe, and competitive.
• who allow fraud to occur unchecked.
• who allow fraud to occur unchecked.
• We're also introducing a bill to create statutory guidelines for programs at high risk of fraud.

Summary: House Republican leaders outlined their agenda for the tied legislative session, saying their priorities are to stop fraud, make Minnesota more affordable, safer, and more competitive, and reduce mandates while raising education standards. They highlighted several planned bills, including an independent inspector general (HF 1), a “Fraud Isn’t Free” measure to impose consequences on agencies and commissioners that allow fraud, and statutory guidelines for high-fraud-risk programs. They also said they want to lower health care costs through a permanent reinsurance program and cost defrayal for new mandates, study property tax increases, conform state tax law to federal changes on tips, overtime, and scholarship tax credits, and avoid any tax increases. On public safety, Republicans said they will pursue tougher penalties for repeat offenders and repeat gun crimes, judicial accountability, and a school safety package that would support public and nonpublic schools, school safety personnel, and facility improvements. In education, they emphasized school choice tax credits, reading proficiency, and curriculum focused on basic academic fundamentals. They also said they want to protect and expand mining, reform permitting, end the nuclear moratorium, and make the state more attractive to businesses. On housing, one member said they are working on a more targeted affordable housing package rather than a broad sweeping bill. A substantial portion of the discussion focused on immigration and cooperation with federal authorities. Republicans said they want a statewide framework for local law enforcement cooperation with federal immigration enforcement, referencing House File 16 and saying they are open to changes and bipartisan work. They argued that local and state cooperation would improve safety and prevent situations where criminal suspects are released into the community. They also said Democrats have blocked similar efforts in committee and on the House floor. In response to questions, leaders said there is no current appetite for sports betting, bonding will be discussed but there are no promises, and they do not support the 2024 omnibus bill model. They said they are not interested in vaccine mandates, but will consider Medicaid funding impacts and other health-related proposals if bills are introduced. They also said election integrity measures such as voter ID, provisional ballots, and voter-roll cleanup will remain priorities. Throughout, leaders said they expect a bipartisan process in the tied House and expressed hope that both parties can work together on some issues.

Transcript Highlights:

• </c><00:03:07.360><c> to</c> intelligence governance framework to intelligence governance framework to
• </c> the First Amendment exist such as fraud the First Amendment exist such as fraud and<00:12:48.000
• There is a credit card fraud statute, and gift card tampering would be a Class D felony.
• There is a credit card fraud statute, and gift card tampering would be a Class D felony.
• There is a credit card fraud statute, and gift card tampering would be a Class D felony.

Summary: The committee first took up Senate Bill 4, as amended by a committee substitute, which would create a state artificial intelligence governance framework for Kentucky government agencies and address AI-generated misinformation in campaigns and elections. The bill’s sponsors said it is intended to regulate only state government use of AI, not the private sector, and would require oversight by the Office of Technology, agency reporting, and annual reporting to the General Assembly. They also said the elections provisions were narrowed to focus on AI-generated audio and video, remove image disclosures, eliminate prior restraint and monetary damages, and rely on disclosure requirements modeled on laws they said had survived constitutional review in Texas. Testimony on SB 4 was mixed. Supporters emphasized transparency, human accountability, and the need to prepare state government for rapidly changing AI tools, citing possible uses such as fraud detection, inmate classification, and transportation planning. An opponent from the Foundation for Individual Rights and Expression argued the bill would burden core political speech, create First Amendment problems, and invite litigation and abuse, especially in the election context. Members asked about litigation, constitutional concerns, costs, and whether the bill should be expanded later to cover ordinary citizens harmed by AI-generated content. Several members expressed support but noted reservations about the election sections or the need for future amendments. After discussion, the committee voted on SB 4 and reported it favorably. The roll call showed the measure passing with favorable expression, with some members explaining votes as supportive but cautious, and one member initially passing before later recording a yes vote. The chair then moved to Senate Bill 130, and Senator Scott Maiden and Kentucky Retail Federation representative Shannon Stiglets began presenting it as a response to gift card scams and theft of redemption information, describing recent large-scale supermarket fraud cases in Kentucky and saying the problem is tied to broader organized retail crime.

Transcript Highlights:

• ><c> in</c> goals here. uh eliminating fraud in goals here. uh eliminating fraud in Minnesota.<00:00:
• </c><00:02:18.879><c> from</c> possible work to prevent fraud from possible work to prevent fraud from
• </c><01:20:57.120><c> And</c> fraud or we minimize risk in fraud.
• And fraud or we minimize risk in fraud.
• about fraud that the In fact, it's fraud about fraud that the Democrats Democrats Democrats are<01:24

Transcript Highlights:

• However, AB 801 creates a new regulatory framework that we believe is unnecessary and duplicative of
• So AB 871 will strengthen protections against elder fraud and financial crimes by ensuring financial
• We know for a fact that when a report is filed, it doesn't necessarily mean that there's fraud on the
• AB 1842 establishes a clear statewide framework. This concept in this bill.
• We appreciate the progress and believe this bill is much closer to a workable framework.

Committee: Senate Banking and Financial Institutions

Transcript Highlights:

• Investigating and prosecuting as a manager and as a trial attorney, fraud and integrity crimes.
• to workers' comp, EDD, and other frauds.
• To be preventive and being proactive in preventing fraud, and that is identifying.
• This is greater than just workers' compensation fraud.
• We too share your concerns about fraud and abuse.

Summary: The committee heard several bills focused on workplace technology, labor protections, and data center oversight. SB 947, the No Robo Bosses Act of 2026, would require human review before automated systems are used in discipline, termination, or deactivation decisions and would ban predictive behavior analysis in the workplace. Labor groups, worker advocates, and privacy organizations supported the bill, arguing AI can be biased and should not make life-changing employment decisions without human judgment. Business groups opposed it, saying it was broader than prior versions, could interfere with workplace safety tools, and should not include a private right of action or cover independent contractors. After discussion about due process and accountability, the bill passed the committee 3-1 and was sent to the Senate Committee on Privacy, Digital Technologies, and Consumer Protection. SB 978, the Data Center Community Accountability Act, would require data centers to pay upfront for new transmission or distribution infrastructure, create a separate rate structure so costs are not shifted to other ratepayers, and include skilled-and-trained labor standards for construction. Supporters said the bill would protect ratepayers, create good construction jobs, and encourage zero-carbon energy development. Opponents, including the Data Center Coalition and Silicon Valley Leadership Group, argued the CPUC already has ongoing proceedings on these issues and warned the bill could single out one industry and discourage investment. The committee members emphasized labor standards and community concerns, and the bill passed 3-0 to the Senate Committee on Appropriations. SB 951, the California Worker Technological Displacement Act, would expand WARN-style notice requirements for layoffs caused by AI or automation, require reporting to workers, local government, and EDD, and give displaced workers first consideration for other openings. Supporters said the bill responds to rapid AI-driven layoffs and would provide needed transparency and data. Opponents said the definitions were too broad, the notice requirements too burdensome, and the bill conflicted with existing WARN law; they also objected to the private right of action and inclusion of independent contractors. The committee discussed amendments clarifying that an employee may still be discharged for reasonable and substantiated cause during the notice period. The bill passed 3-1 to the Senate Committee on Privacy, Digital Technologies, and Consumer Protection. The committee also approved SB 1032, which would create a licensing and regulatory framework for temporary staffing agencies, and SB 1046, which would direct Cal/OSHA to develop standards to protect lifeguards and park rangers from transboundary pollution in the Tijuana River Valley. SB 1032 drew support from labor and enforcement advocates who said it would help stop staffing fraud, while staffing firms argued the bill was vague and could burden legitimate small businesses; it passed 3-1 to the Senate Committee on Judiciary. SB 1046 was supported by park workers and community groups describing health impacts from pollution and passed 4-0 to the Senate Committee on Appropriations. The committee also took up a consent item, which passed 4-0, and then adjourned.

Transcript Highlights:

• However, AB 801 creates a new regulatory framework that we believe is unnecessary and duplicative of
• So AB 871 will strengthen protections against elder fraud and financial crimes by ensuring financial
• In many cases, reports are filed when there's not fraud on the account because that's the mandate.
• AB 1842 establishes a clear statewide framework. This concept in this bill.
• We appreciate the progress and believe this bill is much closer to a workable framework.

Summary: The committee heard AB 801, which would require the Department of Financial Protection and Innovation to conduct fair lending examinations of lenders on a regular schedule. The author and supporters, including the Greenlining Institute and several housing and consumer groups, argued the bill was needed because federal fair lending enforcement has weakened and California borrowers of color continue to face lending disparities. Banking and credit union representatives opposed the bill as duplicative and costly, though they acknowledged the author’s amendments and continued negotiations. The bill was approved on a vote and re-referred to Judiciary, with some members voting no or not voting at first and later the measure passing on a fuller roll call. The committee then heard AB 871, which would strengthen elder fraud protections by requiring financial institutions to report suspected financial abuse to the FBI’s Internet Crime Complaint Center and notify customers of the report. The author and county and adult protective services supporters said the bill would improve pattern detection and help stop or reverse scams more quickly. Bankers opposed the customer-notification requirement, warning it could alarm seniors and that the reporting process would add operational burden, but the author and supporters said victim information is important for investigations. The bill passed with committee support and was re-referred to Judiciary. AB 1842 and AB 1847, both related to mortgage forbearance after major disasters and the Eaton and Palisades fires, were also heard. AB 1842 would create a statewide framework for forbearance after federally declared major disasters, and AB 1847 would extend relief for wildfire survivors; both bills were amended to narrow triggers, clarify repayment and documentation issues, and remove some reporting requirements. Supporters included local officials, consumer groups, and housing advocates, while mortgage and banking groups remained in opposition on some implementation points but said they were working toward compromise. Both bills were approved and re-referred to Judiciary. Finally, AB 2116, dealing with merchant cash advances and small business financing transparency, was heard with broad support from small business and consumer advocates and partial support from some industry representatives after amendments; opponents still raised concerns about disclosure authority and unconscionability standards. The bill was also approved and sent to Judiciary. The committee additionally adopted a consent calendar of unrelated bills.

Transcript Highlights:

• CS for CS for SB 1574 establishes... a comprehensive framework to help Florida unleash the energy potential

Bills: HB24 , HB45 , HB15 , HB35 , HB38 , HB47 , HB318 , HB349 , HB554 , HB1359 , HB1373 , HB1647 , HB2254 , HB2259 , HB2853 , HB3073 , HB3088 , HB353 , HB355 , HB786 , HB762 , HB705 , HB932 , HB849 , HB 1160 , HB 1119 , HB1612 , HB3041 , HB713 , HB3104 , HB3970 , HB3962 , HB5061 , HB4042 , HB4115 , HB4490 , HB1731 , HB1705 , HB2607 , HB3556 , HB138 , HB3689 , HB1788 , HB1887 , HB1914 , HB2402 , HB2306 , HB1809 , HB2350 , HB3000 , HB3237 , HB3326 , HB3211 , HB 1056 , HB2081 , HB2187 , HB3092 , HB3308 , HB3526 , HB3750 , HB3527 , HB4219 , HB4230 , HB4290 , HB5238 , HB4804 , HB4749 , HCR6 , HCR12 , HCR34 , HCR50 , HCR55 , HCR58 , HCR70 , HCR71 , HCR72 , HCR74 , HCR75 , HCR78 , HCR80 , HCR93 , HCR100 , HCR107 , HCR116 , HCR117 , HCR90 , SB1806 , SB783 , SB1271 , SB326 , SB1637 , SB769 , SB897 , SB1035 , SB1706 , SB1185 , SB1194 , SB384 , SB1426 , SB1468 , SB1215 , SB1066 , SB599 , SB1930 , SB2065 , SB767 , SB1619 , SB1738 , HB1500 , HB718 , HB23 , HB34 , HB 119 , HB 128 , HB 130 , HB132 , HB2756 , HB166 , HB406 , HB186 , HB331 , HB380 , HB1583 , HB1584 , HB621 , HB303 , HB552 , HB366 , HB463 , HB 1211 , HB1327 , HB1461 , HB923 , HB1760 , HB2467 , HB5333 , HB1592 , HB1576 , HB1552 , HB2018 , HB3511 , HB1781 , HB2013 , HB2340 , HB2508 , HB2970 , HB865 , HB2851 , HB3385 , HB3336 , HB3309 , HB 1127 , HB 1232 , HB1397 , HB4236 , HB4041 , HB1965 , HB2730 , HB3698 , HB3699 , HB163 , HB201 , HB272 , HB405 , HB519 , HB654 , HB694 , HB791 , HB 1136 , HB 1240 , HB 1266 , HB 1275 , HB1437 , HB1532 , HB1675 , HB1842 , HB1868 , HB1894 , HB1943 , HB1990 , HB2029 , HB2061 , HB2286 , HB2523 , HB2622 , HB2652 , HB2692 , HB2842 , HB2885 , HB3016 , HB3096 , HB3248 , HB3255 , HB3479 , HB3611 , HB3623 , HB3803 , HB3804 , HB3805 , HB3806 , HB3810 , HB3816 , HB4129 , HB4163 , HB4187 , HB4238 , HB4454 , HB4588 , HB4643 , HB4738 , HB4739 , HB4945 , HB5015 , HB5616 , HB1749 , HB1775 , HB 118 , HB1762 , HB2520 , HB24 , HB45 , HB15 , HB35 , HB38 , HB47 , HB318 , HB349 , HB554 , HB1359 , HB1373 , HB1647 , HB2254 , HB2259 , HB2853 , HB3073 , HB3088 , HB353 , HB355 , HB786 , HB762 , HB705 , HB932 , HB849 , HB 1160 , HB 1119 , HB1612 , HB3041 , HB713 , HB3104 , HB3970 , HB3962 , HB5061 , HB4042 , HB4115 , HB4490 , HB1731 , HB1705 , HB2607 , HB3556 , HB138 , HB3689 , HB1788 , HB1887 , HB1914 , HB2402 , HB2306 , HB1809 , HB2350 , HB3000 , HB3237 , HB3326 , HB3211 , HB 1056 , HB2081 , HB2187 , HB3092 , HB3308 , HB3526 , HB3750 , HB3527 , HB4219 , HB4230 , HB4290 , HB5238 , HB4804 , HB4749 , HCR6 , HCR12 , HCR34 , HCR50 , HCR55 , HCR58 , HCR70 , HCR71 , HCR72 , HCR74 , HCR75 , HCR78 , HCR80 , HCR93 , HCR100 , HCR107 , HCR116 , HCR117 , HCR90

Keywords: zoning, public notice, local government, residential development, protests, peer support, first responders, mental health, confidentiality, emergency services, information network, health services, client referral, data privacy, disaster preparedness, accreditation, community services, sexual assault, victim rights, forensic examination

Summary: The Florida House conducted legislative business including prayer, pledge, and voting on multiple bills. Key legislation included land development and wetlands mitigation (SB 492), renewable natural gas infrastructure investment (SB 1574), local government regulation (SB 1080), housing and accessory dwelling units (SB 184), recovery residences (SB 954), and various health, education, and criminal justice measures. The session also addressed returning messages from the Senate with amendments, transportation facility designations, and claims bills for wrongfully convicted individuals. Several bills passed unanimously while others faced structured debate.

Transcript Highlights:

• SB 2877 by Hughes relating to the penalty for the crime of election fraud, increasing criminal penalties
• SB 2877 by Hughes relating to the penalty for the crime of election fraud, increasing criminal penalties
• Members, SB1271 creates a legal framework for handling juvenile delinquency cases on military bases.
• Develop that framework that is important, most importantly safe, and develop the... ...framework to allow
• We have worked on fraud and abuse.

Bills: HB24 , HB45 , HB15 , HB35 , HB38 , HB47 , HB318 , HB349 , HB554 , HB1359 , HB1373 , HB1647 , HB2254 , HB2259 , HB2853 , HB3073 , HB3088 , HB353 , HB355 , HB786 , HB762 , HB705 , HB932 , HB849 , HB 1160 , HB 1119 , HB1612 , HB3041 , HB713 , HB3104 , HB3970 , HB3962 , HB5061 , HB4042 , HB4115 , HB4490 , HB1731 , HB1705 , HB2607 , HB3556 , HB138 , HB3689 , HB1788 , HB1887 , HB1914 , HB2402 , HB2306 , HB1809 , HB2350 , HB3000 , HB3237 , HB3326 , HB3211 , HB 1056 , HB2081 , HB2187 , HB3092 , HB3308 , HB3526 , HB3750 , HB3527 , HB4219 , HB4230 , HB4290 , HB5238 , HB4804 , HB4749 , HCR6 , HCR12 , HCR34 , HCR50 , HCR55 , HCR58 , HCR70 , HCR71 , HCR72 , HCR74 , HCR75 , HCR78 , HCR80 , HCR93 , HCR100 , HCR107 , HCR116 , HCR117 , HCR90 , SB1806 , SB783 , SB1271 , SB326 , SB1637 , SB769 , SB897 , SB1035 , SB1706 , SB1185 , SB1194 , SB384 , SB1426 , SB1468 , SB1215 , SB1066 , SB599 , SB1930 , SB2065 , SB767 , SB1619 , SB1738 , HB1500 , HB718 , HB23 , HB34 , HB 119 , HB 128 , HB 130 , HB132 , HB2756 , HB166 , HB406 , HB186 , HB331 , HB380 , HB1583 , HB1584 , HB621 , HB303 , HB552 , HB366 , HB463 , HB 1211 , HB1327 , HB1461 , HB923 , HB1760 , HB2467 , HB5333 , HB1592 , HB1576 , HB1552 , HB2018 , HB3511 , HB1781 , HB2013 , HB2340 , HB2508 , HB2970 , HB865 , HB2851 , HB3385 , HB3336 , HB3309 , HB 1127 , HB 1232 , HB1397 , HB4236 , HB4041 , HB1965 , HB2730 , HB3698 , HB3699 , HB163 , HB201 , HB272 , HB405 , HB519 , HB654 , HB694 , HB791 , HB 1136 , HB 1240 , HB 1266 , HB 1275 , HB1437 , HB1532 , HB1675 , HB1842 , HB1868 , HB1894 , HB1943 , HB1990 , HB2029 , HB2061 , HB2286 , HB2523 , HB2622 , HB2652 , HB2692 , HB2842 , HB2885 , HB3016 , HB3096 , HB3248 , HB3255 , HB3479 , HB3611 , HB3623 , HB3803 , HB3804 , HB3805 , HB3806 , HB3810 , HB3816 , HB4129 , HB4163 , HB4187 , HB4238 , HB4454 , HB4588 , HB4643 , HB4738 , HB4739 , HB4945 , HB5015 , HB5616 , HB1749 , HB1775 , HB 118 , HB1762 , HB2520 , HB24 , HB45 , HB15 , HB35 , HB38 , HB47 , HB318 , HB349 , HB554 , HB1359 , HB1373 , HB1647 , HB2254 , HB2259 , HB2853 , HB3073 , HB3088 , HB353 , HB355 , HB786 , HB762 , HB705 , HB932 , HB849 , HB 1160 , HB 1119 , HB1612 , HB3041 , HB713 , HB3104 , HB3970 , HB3962 , HB5061 , HB4042 , HB4115 , HB4490 , HB1731 , HB1705 , HB2607 , HB3556 , HB138 , HB3689 , HB1788 , HB1887 , HB1914 , HB2402 , HB2306 , HB1809 , HB2350 , HB3000 , HB3237 , HB3326 , HB3211 , HB 1056 , HB2081 , HB2187 , HB3092 , HB3308 , HB3526 , HB3750 , HB3527 , HB4219 , HB4230 , HB4290 , HB5238 , HB4804 , HB4749 , HCR6 , HCR12 , HCR34 , HCR50 , HCR55 , HCR58 , HCR70 , HCR71 , HCR72 , HCR74 , HCR75 , HCR78 , HCR80 , HCR93 , HCR100 , HCR107 , HCR116 , HCR117 , HCR90

Keywords: zoning, public notice, local government, residential development, protests, peer support, first responders, mental health, confidentiality, emergency services, information network, health services, client referral, data privacy, disaster preparedness, accreditation, community services, sexual assault, victim rights, forensic examination

Transcript Highlights:

• They do fraud monitoring and chargebacks, and we can talk about chargebacks with Keeley and fraud.
• The fraud problem facing this commission is not marginal.
• Today's fraud is digital and AI-enabled.
• We heard a lot about fraud.
• It's what lets fraud protection work.

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Business held a public hearing focused on credit card interchange fees, cashless transactions, chargebacks, fraud, and possible reforms affecting small businesses in Massachusetts. Chair Paul Feeney opened the meeting, outlined the commission’s charge, and noted that the hearing would hear from small business owners, industry representatives, and others on the effects of payment trends and proposed policy changes. Representative Sean Garballey testified first, arguing that universal card acceptance and the current interchange system are important to Massachusetts tourism and should not be disrupted ahead of a busy summer season. A large portion of the hearing featured independent restaurant owners and advocates, who said processing fees are especially burdensome because restaurants operate on very thin margins and are charged fees on sales tax and tips that are not retained as revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, and Kerry Colzer described rising operating costs and gave examples of annual or monthly fee totals, urging relief from fees on tax and gratuity amounts. Ryan Lotz also asked for chargeback reforms, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, proportional fees, and safeguards against repeat abuse. Several witnesses, including Dan Swanson, argued that states have authority to regulate aspects of the payment system and cited the Illinois litigation and federal court rulings as support for state action. Opposing testimony came from credit unions, banks, payment industry representatives, and policy groups, who warned that changing interchange rules could create compliance burdens, reduce rewards, raise account fees, and shift costs elsewhere. Witnesses such as Alex Vereen, Brad Popolado, Keely McEwen, David Montero, Hunter Hamburlin, and Luke Bondar emphasized fraud prevention, network security, consumer protections, and the need for a stable, uniform payment system. Some suggested alternatives such as vendor compensation, surcharging, instant payments, or QR pay code standards, while others argued that sales tax and tip amounts cannot easily be separated within current card-network architecture. The chairs said the commission is still exploring options, discussed possible state-level solutions, and announced plans for one more public hearing before moving toward recommendations and a report. The commission then voted to adjourn.

Transcript Highlights:

• Let me—give me just an example of what auto glass fraud would be.
• It also addresses auto glass fraud, which I will address in a moment.
• A.O.B. is a major contributor in auto glass fraud. This is how it works.
• A.O.B is a major contributor in auto glass fraud. This is how it works.
• Insurance fraud is what it's called. 4830A is insurance fraud.

Bills: SB5871 , SB5919

Committee: Senate Business, Trade & Economic Development

Keywords: motor vehicle, glass repair, insurance claims, consumer protection, regulations, fire safety, insurance incentives, best practices, community protection, voluntary measures

Transcript Highlights:

• </c> close out the 13 policy framework close out the 13 policy framework established<00:03:08.040><c>
• </c><00:06:33.479><c> waste</c> alleviate the potential for fraud waste alleviate the potential for fraud
• those frameworks?
• </c> you have talked about the kind of fraud you have talked about the kind of fraud red<00:49:00.680
• looks like um what that what that fraud looks like um what that fraud<00:53:51.599><c> looks</c><00:

Committee: House Fraud Prevention and State Agency Oversight Policy

Transcript Highlights:

• And without any advanced notice, these employees received word of their termination over alleged fraud
• I would note that neither the<02:57:45.439><c> GAO</c><02:57:46.000><c> nor</c><02:57:46.160><c> the<
• the GAO nor the Senate parliamentarian get<02:57:47.359><c> a</c><02:57:47.520><c> vote.
• </c><03:15:49.920><c> of</c> ineffectiveness, the waste, the fraud of ineffectiveness, the waste, the
• But let's be honest, the CMS itself said that there is less than 1% of fraud in the system.

Bills: HJR60 , HB1442 , HR859 , HR1402 , HR354

Keywords: Glen Canyon, National Park Service, environmental regulation, motor vehicles, congressional disapproval, sodium nitrite, poisoning prevention, consumer product safety, banned hazardous product, youth poisoning, public health, toxic chemicals, online sales, retail regulation, industrial chemicals, food additives, meat curing, poultry products, egg products, FDA

Transcript Highlights:

• c><01:06:59.800><c> while</c> pre-risk assessment framework while pre-risk assessment framework while
• Misclassification fraud is fraud, and it cheats workers, and it also, and I think importantly to this
• or no, or welfare fraud and then transactional fraud.
• c> frauding um frauding um transactional<01:14:01.680><c> fraud.
• </c> transactional fraud. transactional fraud.

Bills: HF3643 , HF4470 , HF4462 , HF4366 , HF4172 , HF3629 , HF4356 , HF3093

Committee: House State Government Finance and Policy

Transcript Highlights:

• </c> to our insurance fraud division. to our insurance fraud division.
• </c><01:04:12.040><c> for</c> licensing and regulatory framework for licensing and regulatory framework
• </c><01:04:38.040><c> to</c> comprehensive licensing framework to comprehensive licensing framework to
• Um, my question is, uh, on the kind of the framework for the virtual currency kiosks.
• anti-fraud and information security<01:15:00.880><c> policy.

Summary: The committee met in a special-called session of the Interim Joint Committee on Banking and Insurance and first took up three Department of Insurance regulations tied to House Bill 256, the Strengthen Kentucky Homes program: 806 KAR 22:00, 22:10, and 22:20. Commissioner Sharon Clark said the program would provide $5 million in grants to help homeowners strengthen roofs, with regulations covering eligibility and operations, contractors and evaluators, and reinspections in cases of suspected fraud. A committee substitute to 806 KAR 22:10 was explained as a technical correction to conform to the statutory preference for in-state contractors and evaluators. Representative Hampton moved and Representative Rudy seconded approval of the substitute, and it was adopted by voice vote; the amended regulations were then reviewed. Clark also said the grant money would be distributed statewide rather than targeted to storm-prone areas. The committee then heard an update from Commissioner Clark on mental health parity in response to questions from Representative Pollock. Clark said the department reviews insurer filings and conducts market conduct examinations, but does not have authority over provider reimbursement rates or to require providers to join insurer networks. She said complaints are investigated and, when needed, teams review claims and data on site to check compliance with parity requirements. No action was taken on that discussion. After approving the November 4 meeting minutes, the committee heard testimony on a proposed PIP reform package from Representative Josh Bray, the Kentucky Hospital Association, the Kentucky Justice Association, and State Farm. Supporters said the bill would apply the workers’ compensation fee schedule to most PIP medical claims, keep the $10,000 PIP limit in place while stretching benefits further, reduce balance billing, modernize benefit amounts, and address fraud and delayed billing. They noted hospitals would be exempt from the fee schedule, while hospital-based physical therapy would be included, and said the compromise reflected negotiations among stakeholders. Some members questioned whether exempting hospitals undercut the bill’s purpose and asked about possible rate effects; proponents said they had not done a rate analysis and that the bill could lead to more treatments within the existing PIP limit. No vote was taken on the PIP proposal during this meeting.

Transcript Highlights:

• </c> filing such as using the UCCC framework. filing such as using the UCCC framework.
• </c> new model of insurance fraud reporting. new model of insurance fraud reporting.
• </c> interested in the Crago framework. interested in the Crago framework.
• </c> that is helpful in in rooting out fraud. that is helpful in in rooting out fraud.
• </c> We have had fraud loss We have had fraud loss as<01:34:43.280><c> a</c><01:34:43.360><c> result.

Summary: The chairman opened by explaining that the committee would hear proposed interim topics and then rank them by written submissions rather than debating them one by one. The Public Service Commission presented two topics: an educational session on small water utilities, citing maintenance needs, water-quality compliance, and difficulty accessing capital, and a review of civil penalties for pipeline safety violations because Wyoming’s statutory penalties are far below federal levels and could affect compliance and funding. Members and outside presenters then outlined a range of additional topics. Representative Campbell proposed work on fire protection districts and EMS districts, focusing on financial stability, mill levies, and possible county authority to combine districts and levies. He also raised public records at meetings, corporate filing fees, and fraudulent corporate filings. The Community College Commission proposed updating annexation statutes so communities can join community college districts more easily, especially where current mill-levy rules create funding issues. Senator Crago supported the fraudulent corporate filings topic and noted related technology-based solutions and overlap with blockchain issues. Other proposals included CPA “Pathways” licensing changes to address a shortage of accountants, a review of public meetings and public records laws, continuation of the electricity study with emphasis on grid reliability and large-load capacity constraints, and a broader review of the public meetings and records act. Ashley Harpstreith of the Wyoming Association of Municipalities supported extending municipal audit deadlines and described a statewide shortage of auditors and CPAs. Healthy Wyoming proposed studying health coverage options for low-income working adults, including state-sponsored or cooperative models. Representative Chestek proposed making most nonpartisan county offices elected on a nonpartisan basis. No votes or final selections were taken in the portion provided; the committee mainly heard testimony and discussed whether topics should be assigned to this committee or another one.

Transcript Highlights:

• They do fraud monitoring and chargebacks, and we can talk about chargebacks with Keeley and fraud.
• Card fraud is systemic and growing.
• Today's fraud is digital and AI-enabled.
• We heard a lot about fraud.
• It's what lets fraud protection work. It's what lets fraud protection work in real time.

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing focused on interchange fees, sales tax and tip processing, chargebacks, fraud, surcharging, and the broader future of payment systems. Chair Paul Feeney and co-chair Rep. Jamie Murphy opened by explaining the commission’s charge and inviting testimony from small businesses, industry groups, banks, and policy experts. Representative Sean Garballey testified first, arguing that Massachusetts tourism depends on universal card acceptance and stable interchange, and urging the commission not to disrupt the current system ahead of major events expected to bring millions of visitors to the Commonwealth. A large portion of the hearing featured independent restaurant owners and advocates describing thin margins and the burden of paying percentage-based processing fees on sales tax and tips that are not business revenue. Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others said restaurants often operate on very small profits and that processing fees on taxes and gratuities can amount to tens or hundreds of thousands of dollars annually. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, and limiting repeat abuse. Commission members pressed witnesses on whether tax and tip amounts could be separated at the point of sale, and several witnesses said current consumer card systems do not transmit that level of detail. Testimony from credit union, banking, and payments representatives largely opposed state-level changes that would carve out taxes or tips from interchange, warning of compliance burdens, higher costs, reduced rewards, and possible effects on fraud protection and access to credit. Alex Verine of America’s Credit Unions and Deb Peters and Keely McEwen of the Electronic Payments Coalition said the payment system is complex, that interchange funds fraud prevention and network infrastructure, and that new state mandates could create operational and legal uncertainty. Dan Swanson argued states have authority to act and pointed to Illinois litigation and federal court rulings, while Julian Morris and Brad Popolado emphasized the benefits of card acceptance, the decline of cash, and the need to consider other payment methods and check fraud as well. Several witnesses discussed international payment systems, instant payments, and QR standards as possible future directions. The chairs and members engaged in extended back-and-forth with witnesses about whether Massachusetts could exempt sales tax from swipe fees, whether surcharging should be revisited, and whether vendor compensation or other targeted relief might be more workable than broad changes to interchange. No votes were taken. At the close of the hearing, the chairs said the commission would hold one additional public hearing date to be determined, after which members would begin developing next steps and a report.

Transcript Highlights:

• They do fraud monitoring and chargebacks, and we can talk about chargebacks with Keeley and fraud.
• Today’s fraud is digital and AI-enabled.
• And if I could add, from a bank perspective, that fraud.
• We heard a lot about fraud.
• It's what lets fraud protection work in real time.

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing chaired by Senator Paul Feeney and Representative Jamie Murphy. The commission reviewed its charge to gather input on payment trends, cashless transactions, credit card fees, mobile payments, buy now/pay later, and related issues affecting small businesses. Representative Sean Garballey testified in support of maintaining the current card system, emphasizing tourism’s importance to Massachusetts and arguing that universal card acceptance and interchange stability are especially important with major upcoming events and visitors. A large portion of the hearing focused on independent restaurants and small businesses arguing that credit card processing fees are burdensome and unfair when applied to sales tax and gratuities that are not business revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others described razor-thin margins and said restaurants pay fees on money passed through to the state or employees. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses first, and making fees proportional. In response, credit union and banking representatives, including Alex Vereen, Brad Popolado, Deb Peters, and Keely McEwen, argued that interchange funds fraud protection, card infrastructure, and consumer protections, and warned that state-specific changes could create compliance burdens, higher costs, or reduced access to services. Several witnesses addressed legal and policy questions. Dan Swanson and David Montero said states have authority to regulate aspects of the payment system, but Montero warned that state-specific rules could create uncertainty and conflict with federal banking law. Julian Morris and other industry witnesses argued that card payments benefit consumers and merchants by reducing cash-handling costs and increasing spending, while critics of reform said changes could shift costs into bank fees or reduced rewards. Commission members questioned whether sales tax could be separated from card transactions, whether surcharging should be considered, and whether vendor compensation or other state-level relief might be more workable. The chairs said they were exploring a narrower, targeted approach rather than a broad overhaul, and announced plans for one additional public hearing to allow further testimony.

Transcript Highlights:

• These conflicting frameworks could create compliance issues, increase litigation exposure, and leave
• to workers' comp, EDD, and other frauds.
• This is greater than just workers' compensation fraud.
• This fraud is absolutely corrosive to the business environment. You're about eight seconds over.
• We too share your concerns about fraud and abuse.

Committee: Senate Labor, Public Employment and Retirement

Transcript Highlights:

• to workers' comp, EDD, and other frauds.
• . ...to being preventive and being proactive in preventing fraud, and that is identifying.
• This is greater than just workers' compensation fraud.
• This fraud is absolutely corrosive to the business environment. You're about eight seconds over.
• We, too, share your concerns about fraud and abuse.

Committee: Senate Labor, Public Employment and Retirement

Summary: The committee heard several labor-related bills focused on workplace technology, data centers, staffing agencies, and environmental health. SB 947, the “No Robo Bosses Act,” would require human review before automated systems can be used in discipline, termination, or deactivation decisions and would ban predictive behavior analysis; labor groups and worker advocates supported it, while business and industry groups opposed it as overbroad and litigation-prone. After extended discussion about due process, human oversight, and private rights of action, the bill passed 3-1 and was sent to the Senate Privacy, Digital Technologies, and Consumer Protection Committee. SB 978, the Data Center Community Accountability Act, would require data centers to pay for new infrastructure costs, create a separate rate structure to protect other ratepayers, and impose skilled-and-trained labor standards for construction. Supporters said it would prevent cost shifts to households and ensure good jobs, while opponents argued the CPUC already has ongoing proceedings and that the bill unfairly singles out one industry. The committee discussed balancing economic growth with labor and ratepayer protections, and the bill passed 3-1 to Senate Appropriations. SB 951, the California Worker Technological Displacement Act, would expand WARN-style notice requirements for AI-related layoffs and require reporting on displaced jobs and first consideration for openings; supporters said it would improve transparency and help policymakers respond to AI-driven job loss, while opponents warned it was too broad and conflicted with existing WARN law. It passed 3-1 to Senate Privacy, Digital Technologies, and Consumer Protection. The committee also considered SB 1032, which would create a licensing and registration framework for temporary staffing agencies. Supporters said it would curb fraud and protect workers from illicit staffing operators, while opponents—many from the staffing industry—said the bill was vague, burdensome, and could hinder small and minority-owned businesses. The bill passed 3-1 to Senate Judiciary. Finally, SB 1046, dealing with protections for lifeguards and park rangers exposed to transboundary pollution in the Tijuana River Valley, would direct Cal/OSHA to develop standards for exposure, PPE, training, and incident reporting. With support from park workers and community groups and no opposition, it passed unanimously 4-0 to Senate Appropriations. The committee also approved a consent calendar item and adjourned after completing the agenda.