Transcript Highlights:

• to what we give to everybody else in the industry on responsible service, um, and also customers consuming
• responsible service. um and also uh com responsible service. um and also uh com customers<01:05:10.400> consuming
• <01:05:12.480> Signage customers consuming responsibly.
• Signage customers consuming responsibly.
• deeply sympathetic to the importance of diabetes management and the value of glucose monitoring technology

Keywords: 928, house, all

Summary: The committee first took up a liquor-related amendment correcting an earlier drafting error that had accidentally removed enhanced penalties for death-related over-service from the statute. Members explained that the language had already been enacted briefly before being deleted by mistake, and the amendment simply restored the prior penalty provisions. The committee voted unanimously in favor. A second liquor amendment followed, concerning VFW and similar veterans’ clubs. The revised language would allow a veteran or member to sign in a limited number of under-21 guests, with testimony emphasizing that this was meant for small events and would mirror existing restaurant rules requiring a parent, legal guardian, or adult spouse. There was extended debate about whether private clubs were sufficiently public, whether towns could tighten liquor rules locally, and whether enforcement would be effective. Liquor enforcement testified that municipalities must approve licenses, only four minors could be signed in at once under a member’s signature, age-restriction signage remains required, and clubs often report violations themselves to protect their licenses. The amendment was ultimately approved unanimously, and the subcommittee then moved into executive session. In executive session, HB 186, relating to cannabis legalization, regulation, and appropriations, was recommended ought to pass on a 10-7 vote, with a minority report noted. HB 241, relating to treatment alternatives to opioids, was then supported with amendment 2990 and recommended ought to pass as amended; the bill was described as expanding access to non-opioid, non-surgical, and non-medication pain treatments, while the amendment clarified Insurance Department procedures and educational materials. That bill was placed on the consent calendar unanimously. HB 297, concerning access by self-funded employer health plans to claims data, was also recommended ought to pass with amendment 2987 and then ought to pass as amended unanimously; supporters said it would let employers opt in to deidentified claims data, improve transparency, and preserve privacy. It too was placed on the consent calendar unanimously. The committee then considered HB 312, dealing with student-athlete name, image, and likeness compensation, and voted to send it to interim study. Members said the issue remained too uncertain because of ongoing federal and NCAA developments, and that interim study would keep the committee’s options open without killing the bill. The motion was supported as a way to continue monitoring the issue for future action.

Transcript Highlights:

• normal consumer normal consumer loans<00:08:31.599> this<00:08:31.800> avoids<00:08
• :32.399> critical<00:08:32.919> consumer loans this avoids critical consumer loans this
• Consumer Consumer Protection<00:11:34.399> okay<00:11:35.399> you<00:11:35.519> can
• can lead to more options for consumers can lead to more options for consumers can<00:27:25.240><
• ability to enforce the consumer ability to enforce the consumer protection<00:30:03.279> act<

Keywords: 928, house, all

Summary: The committee held a public hearing on HB 733-FN, a bill on third-party litigation financing (TPLF). Representative Cole, the prime sponsor, described TPLF as outside investors financing lawsuits in which they have no personal stake, arguing that the practice is largely unregulated, can involve foreign entities, and contributes to litigation abuse, higher insurance costs, and what he called a “tort tax.” He said the bill is modeled on an NCOIL proposal and would require disclosure of TPLF agreements, with specific references to foreign-entity restrictions, consumer-protection guardrails, and reporting requirements. He also noted a few technical fixes to the draft, including adding the word “knowingly” and restoring a section that had been omitted. Committee members questioned how the bill’s foreign-entity language would work, including whether a governor or the Department of Safety would designate countries of concern, and whether the bill would bar foreign parties from using litigation funding. Cole and others clarified that the bill was intended as a reporting measure, not a ban on litigation funding itself, and that the goal was to disclose who is funding lawsuits and to what extent. Representative Sal asked whether the bill would prevent a litigant from getting outside financing; Cole answered no, emphasizing disclosure rather than prohibition. Brandon Grat of the Attorney General’s Consumer Protection and Antitrust Bureau testified that the bill’s enforcement provisions were too limited. He said the draft appears to give the Attorney General only a civil-penalty remedy, likely too small to deter violations, and not the broader Consumer Protection Act tools such as injunctions, restitution, or investigation authority. He also raised concerns about whether the Attorney General or Insurance Department would have proper jurisdiction, given that the product may be financial or insurance-related. Insurance Commissioner DJ Benton Court said the department sees possible benefits from transparency because disclosure of litigation funding could help insurers assess risk, improve underwriting, and potentially ease hard-market pressures, especially for nonprofits and child care providers. He also said the bill’s language likely needs further work to clarify agency authority and suggested involving the Attorney General, Insurance Department, and banking regulators. Opposition testimony came from the New Hampshire Trial Lawyers Association. Marissa Chase and Samantha Hering argued the bill is one-sided because it requires disclosure only on the plaintiff side and not from defendants or insurers. They said New Hampshire already has court rules and discovery procedures that cover relevant disclosures, making the bill unnecessary, and questioned whether the existence of a funding contract is even relevant in litigation. The hearing ended with the committee continuing to discuss possible revisions and enforcement options, but no vote or final action was taken in the transcript.

Transcript Highlights:

• They compete in price and for consumers.
• That's not always recognized at the consumer level.
• Consumers are consumers.
• Consumers are consumers.
• It's about having consumer awareness so our consumers know where to purchase it legally.

Summary: The joint informational hearing focused on the Department of Cannabis Control’s report on the condition and health of California’s cannabis industry. Department staff reviewed the evolution of state cannabis law, the creation of the current regulatory framework, licensing and compliance efforts, and enforcement against illicit cannabis and hemp-derived intoxicating cannabinoids. The department said the licensed market has grown in production and retail units sold, while active licenses and retail sales value have declined, and that the illicit market remains a major competitive factor. The department also highlighted consumer education efforts, product testing and recalls, and coordination through the state enforcement task force and other agencies. The department’s economist said the data show continued growth in licensed production and a rising share of consumption through the licensed market, but falling wholesale and retail prices have reduced overall industry value. He identified major headwinds as taxes and fees, illicit-market competition, local prohibitions that limit retail access, regulatory costs, and broader business pressures, while noting opportunities in product innovation and possible hemp-market changes. Committee members pressed the department on enforcement, public health concerns, equity ownership and employment, delays in grant administration, pesticide testing, and whether the legal market is truly viable for small businesses and farmers. Several members argued that stronger enforcement and lower costs are needed, while one member raised concerns about cannabis-related health harms and said the hearing focused too narrowly on supply-side issues. Public commenters from industry groups and advocacy organizations largely echoed concerns about high taxes, regulatory burdens, limited retail access, and the size of the illicit market. Many urged the Legislature not to let the excise tax rise from 15% to 19% and called for tax relief, compliance reform, more enforcement, and broader retail access. Some speakers said the report was too optimistic and did not reflect business failures, debt, and closures, while others emphasized the need to protect small farmers, address wildfire insurance, and support equity businesses. No votes or formal actions were taken; the hearing was informational only.

Transcript Highlights:

• Yeah, it's under the consumer protection laws.
• We want consumer transparency.
• And I think consumers are free to make choices, and they do.
• Because the consumers I talk to want their gold close primarily.
• May my consumer...

Summary: The committee took up several House measures. HCR 66, as amended, asked Louisiana Economic Development and the Governor’s Office of Rural Development to study rural parish assets, infrastructure, workforce, and development opportunities, and it was moved forward without objection. HB 387, a clarification to allow the fire marshal’s office to review architectural and engineering plans equally, also passed favorably without objection. HB 1223, which would have LED promote Louisiana’s clinical trial capacity and adjust internal review board processes, was amended and moved favorably. HB 950, aimed at helping older adults recognize and avoid fraud through materials and resources from the Office of Elderly Affairs, was reported favorably. HB 975, a routine measure to recreate the Public Service Commission, was also reported favorably. HB 1186, which would create a more uniform statewide building code and licensing system for inspectors, was amended and moved favorably. HB 1222, described as a Grocery Initiative Act to let LED identify ways to address food deserts and food insecurity, was introduced near the end of the meeting. The most extensive debate centered on HB 617, a consumer transparency bill requiring mandatory fees to be included in upfront pricing. The author said the bill was intended to curb hidden fees and help consumers compare prices, with examples such as hotel resort fees and automatic restaurant service charges. Supporters argued it would improve transparency, while opponents from grocery, restaurant, hotel, housing, retail, and business groups said the bill was too broad, vague about terms like “total price,” unclear on enforcement and penalties, and could create compliance burdens and litigation risk, especially for small businesses. Housing advocates opposed the bill’s housing carve-out, arguing it could weaken renters’ ability to bring unfair-practice claims. Senator Morris moved to defer HB 617, and the committee agreed without objection. The committee also heard lengthy testimony on HB 797, which would create a Bayou Gold certification for certain transactional gold vendors that meet state-defined standards such as segregation, insurance, and nearby storage. The sponsor said the goal was to give consumers confidence and encourage vendors to keep gold closer to Louisiana, while critics argued the program would amount to a state endorsement of private companies, create misleading consumer impressions, and expose the state to confusion or liability. The bill drew opposition from the Sound Money Defense League and others, but the committee ultimately reported HB 797 favorably, with the understanding it still had to go to Finance. HB 1228, a hearing-aid cleanup bill updating definitions, contracts, testing periods, and licensing rules, was also moved favorably without objection.

Transcript Highlights:

• Um, I was hired as a chief academic technology innovation officer. >> When was that?
• I also met with the Department of Commerce and Consumer Affairs with the chief data officer here just
• I also met with the Department of Commerce and Consumer Affairs with the chief data officer here just
• I also met with the Department of Commerce and Consumer Affairs with the chief data officer here just
• <01:54:10.000> innovation office of academic technology innovation office of academic technology

Keywords: 912, senate, all

Transcript Highlights:

• <00:04:20.799> pay<00:04:20.959> at consumers pay than what consumers pay at consumers
• The Consumer Grocery their goods.
• , legislation on behalf of consumers, legislation on behalf of consumers, brochers,<00:05:14.400>
• <00:07:49.520> goods powerful retailers and consumer goods powerful retailers and consumer
• Understanding these consumers.

Keywords: 1183, house

Transcript Highlights:

• educational materials and personal development and responsibility, and invest in key workforce training technology
• exploited that they're being financially exploited that is<01:48:53.199> time<01:48:53.560> consuming
• c> is<01:48:54.920> expensive<01:48:55.800> it<01:48:55.920> is is time consuming
• it is expensive it is is time consuming it is expensive it is extremely<01:48:56.880> stressful
• stopped the bleeding in that case, and it would have allowed us to avoid a very expensive and time-consuming

Keywords: 1187, senate, all

Transcript Highlights:

• and keep services. to ensure a quality network of providers for home care consumers and keep services
• Any burdensome or unnecessary regulatory structure runs the risk of pricing out consumers from the ..
• And do you find that the consumers have great difficulty in determining who to hire and just kind of
• There's plenty of choice for consumers. There are many agencies.
• But consumers who call us in other states don't ask about licensure.

Keywords: 995, all

Summary: The Joint Committee on Aging and Independence held a hearing on several bills, led by Chair Tom Stanley and Senate Chair Patricia Jehlen. The committee first heard testimony on H. 765/S. 487, an act relative to councils on aging, which would update outdated statutory language and allow directors of councils on aging to make staffing decisions when a council is structured as an advisory body. Representative Donahue and Betsy Connell of the Massachusetts Association of Councils on Aging said the change reflects how most councils now operate and would resolve conflicts like the one that arose in Sherborn. Members asked about whether the bill would affect town managers, volunteer roles, and whether the language should more clearly exempt informal volunteer help; supporters said the bill is aimed at municipal staffing structures, not unpaid volunteer assistance. The committee then took extensive testimony on H. 789/S. 470, an act to improve Massachusetts home care, which would create a statewide licensure system for non-medical home care agencies and entities. Julie Watt, Jay Krillovich, Betsy Krimmins, Lisa Gargoni, Tim Foley, and several providers and advocates supported the bill, arguing that licensure would establish baseline standards for background checks, training, service plans, insurance, complaint procedures, and labor-law compliance, while helping consumers identify legitimate providers and reducing fraud and abuse. Several witnesses described problems with unlicensed or poorly supervised providers, and family members and dementia advocates emphasized the need for dementia-specific training and better oversight for vulnerable clients. Tim Foley also raised concerns about private equity’s growing role in home care and said stronger regulation is needed to protect consumers and workers. Committee members focused on practical questions about the bill’s scope, including whether it would reach informal paid helpers, volunteers, or people doing occasional household tasks, and what agency would enforce the rules. Supporters said the bill is intended to cover entities advertising home care services, not unpaid volunteer help, though they acknowledged regulators would need to work out details. John Sneeth of Tribute Home Care offered a more cautious view, saying licensure should not unduly burden smaller providers or reduce competition, and that enforcement would be key. The hearing also included testimony from the Alzheimer’s Association and family caregivers, who strongly supported the bill’s dementia-training provisions and described how trained caregivers improved safety and quality of life for people living with Alzheimer’s and dementia. At the end of the hearing, the committee also heard support for H. 778/S. 473, regarding the Commission on LGBTQ Aging, with Lisa Krinsky urging funding for a full-time director and continued support for the commission’s strategic plan. After public testimony concluded, the committee adjourned the hearing by motion and voice vote.

Transcript Highlights:

• So, yes, our focus has been primarily on the commercial area, the consumer insurance, and the consumer
• or the commercial consumer of that insurance product.
• So, yes, our focus has been primarily on the commercial area, the consumer insurance, and the consumer
• or the commercial consumer of that insurance product.
• It could create availability of financing for consumers.

Summary: The committee heard a work session on earthquake insurance, beginning with background from the Office of the Insurance Commissioner. OIC staff explained that earthquake and earth movement are generally excluded from standard property policies, that earthquake coverage is usually purchased through endorsements or standalone policies with high deductibles and relatively high premiums, and that surplus lines are a limited backstop market not covered by the state guarantee fund. They also described parametric insurance and captive insurance as more specialized products generally suited to commercial or governmental buyers rather than ordinary consumers. A second panel of insurance and banking experts focused on commercial earthquake exposure, especially for older buildings, collateralized loans, and potential knock-on effects to banks and consumers if a major quake caused widespread damage. Members asked about consumer impacts, mitigation incentives, inventories of vulnerable buildings, and whether legislation such as prior work on unreinforced masonry could help reduce risk. The Washington Bankers Association said earthquake insurance is expensive and that affordability is a major concern, while also noting banks participate in disaster-recovery planning and would be affected by major regional losses. No votes or formal actions were taken. The committee then received a presentation from the Washington State Institute for Public Policy on its cannabis and Initiative 502 research. WSIPP staff described the agency as a nonpartisan research institute that conducts legislative-directed studies and explained that its long-term I-502 assignment includes periodic reports leading to a final benefit-cost evaluation in 2032. Staff summarized findings from a 2023 report showing that cannabis possession convictions fell sharply after legalization, though some racial disproportionalities persisted, and that closer retail access was associated with higher reported adult cannabis use, more fatal traffic crashes involving drivers from nearby areas, and higher rates of cannabis use disorder diagnoses among Medicaid enrollees. A 2023 youth-focused report found that students attending schools near retailers were more likely to report cannabis use, had more unexcused absences, and were less likely to graduate on time. In the newest 2025 Medicaid study, staff said retail access was associated with higher probabilities of cannabis use disorder diagnoses, related hospitalizations, inpatient treatment, and co-occurring mental health diagnoses, with event-study analysis suggesting the increases appeared after retailers opened rather than before. Members asked about racial disproportionality, the meaning of cannabis use disorder diagnoses, THC and impairment, whether the findings reflected medical versus recreational use, and how the results should be interpreted in light of broader trends and data limitations. No formal committee action was taken.

Transcript Highlights:

• If a consumer is currently in arbitration, that does not change.
• Clients, consumers now have an option where they currently don't.
• Because I'm all about consumer. The consumer needs to be protected.
• Your bill a much better bill to protect the consumer.
• You even said we go through a lot of effort to protect our consumers.

Summary: The committee met with a quorum and heard several insurance- and trust-related bills. CS/HB 265, relating to post-judgment execution proceedings involving terrorism, was presented as a measure to help victims enforce long-standing judgments against terrorist assets; it received no opposition in testimony and was reported favorably. CS/HB 1173, concerning the Florida Trust Code, clarified that the Florida Attorney General is the only public official with standing to enforce charitable trusts administered in Florida; members discussed that it was intended to resolve ambiguity identified by a court decision, and it also passed favorably. The committee then took up PCS/HB 643 on residual market insurers. The bill would remove the “diligent effort” requirement for surplus lines placements, revise surplus lines eligibility, and let Citizens policyholders elect arbitration through DOAH or the courts at renewal or issuance. The sponsor argued the changes would reduce red tape and give consumers more options, while an opponent from the Florida Justice Association warned that removing diligent-search protections could push more policyholders into higher-cost, less-regulated surplus lines coverage and that arbitration could favor insurers. Committee members raised concerns about the lack of premium credits for arbitration, the effect on Citizens, and the loss of consumer protections, but the bill was reported favorably. Finally, PCS/HB 1047 on insurance regulation generated extensive debate. The bill would reduce pre-licensure hours for general lines agents from 200 to 60, clarify restrictions on public adjuster conduct, require claims-handling manuals only for active residential property insurers, and define “sufficient evidence” for bad-faith claims with examples and a 10-day objection/response process. Supporters said it would streamline claims handling and clarify timelines; opponents and several members argued it could burden policyholders, especially after disasters, and might make it easier for insurers to delay or deny claims. There was also concern about the reduced training hours for new agents and the lack of detail on what constitutes sufficient evidence or a specific objection. After a divided debate, the bill was reported favorably by a 12-6 vote. The meeting then adjourned.

Transcript Highlights:

• I'm the manager of the Consumer Protection Division at the Attorney General's Office.
• The Attorney General's Office administers the Consumer Protection Restitution Account.
• closed, leaving consumers in the lurch with large deposits and unfinished dental work.
• And so, uh, just as an other consumers.
• existing fund for for all consumers existing fund for for all consumers across<00:03:35.760>

Keywords: 1183, house

Summary: The committee heard House File 4867, a bill from Representative Lee to make changes to the Consumer Protection Restitution Account created the prior year to help victims of fraud. The Attorney General’s Office testified that the fund has already received more than $4.5 million and is beginning its first distributions, including payments to victims of the closure of Woodbury Dental. The office said the bill would remove the current $5 million annual deposit cap and establish a more equitable distribution formula so large claims would not exhaust the fund and prevent other victims from receiving restitution. Public testimony strongly supported the bill. A Woodbury Dental victim described paying $25,000 upfront, losing her dental work when the clinic abruptly closed, and having to start over with another dentist; she said reimbursement would help her recover from the loss. An AARP Minnesota representative also supported the measure as a cleanup bill that improves the new restitution program. Members asked about how the bill would handle large claims, whether the Attorney General could still pursue defendants for additional recovery, and whether restitution payments would be taxable. The Attorney General’s Office said it would continue collection efforts and reimburse the fund if later recoveries are made, and Representative Lee said the bill includes a provision making payments non-taxable. The chair then moved that House File 4867 be laid over, and the bill was laid over without a vote on passage.

Transcript Highlights:

• That is not consumer protection.
• That is not consumer protection.
• choice<00:42:51.680> in consumers, takes away consumer choice in consumers, takes away consumer
• consumers very seriously. consumers very seriously.
• the consumer like I'm able to. the consumer like I'm able to.

Keywords: 1187, senate, all

Transcript Highlights:

• It takes $5 million from the Attorney General's Consumer Protection Consumer Fraud Revolving Fund and
• Chair, I'm curious as to why you chose the Consumer Protection Consumer Fraud Revolving Fund.
• The Consumer Protection Consumer Fraud Revolving Fund... Representative Austin. Mr. Chair. Please.
• The consumer protection, consumer fraud, revolving funds.
• The Consumer Protection, Consumer Fraud Revolving Fund goes to help everyday Arizonans.

Keywords: 1182, all

Summary: The Committee on Public Safety and Law Enforcement met and first announced that HB 2691 would be held and not heard further that day. The chair also limited testimony to three speakers for and three against, with two minutes each unless extended by a minority leader. The committee then took up HB 2993, which would allow the Department of Public Safety to spend on legal services independent of the Attorney General and, as amended, redirect $5 million from the Consumer Protection Consumer Fraud Revolving Fund to the Gang and Immigration Intelligence Team Enforcement Mission Fund. Supporters argued the bill would give DPS outside counsel and shift money toward front-line public safety work; opponents said it was political retaliation that would weaken consumer protection enforcement and divert funds from Arizonans who benefit from AG actions. The committee adopted the chairman’s amendment and then approved HB 2993 on an 8-6 vote, with one absent. The committee next heard HB 2231, a clarifying bill updating the list of cancers covered under the occupational disease presumption for firefighters, peace officers, and fire investigators. The sponsor and firefighter testimony said the bill does not expand benefits but fixes a drafting problem, including a disputed comma that had been used by insurers to challenge claims; the Industrial Commission was listed as neutral if needed. Members discussed whether the presumption is rebuttable and how punctuation affected the statute’s meaning. During roll call, several members explained their votes in favor as a matter of grammar and statutory clarity, and the committee passed HB 2231 by a 14-0 vote with one absent. The meeting then adjourned.

Transcript Highlights:

• And, um, the advisory board already recommends whether to retain the consumer advocate when the term
• I am the current occupant of the position of consumer advocate.
• I am the current occupant of the position of consumer advocate.
• I am the current occupant of the position of consumer advocate.
• Uh, for one thing, it consumer advocate.

Keywords: 928, house, all

Summary: The House Executive Departments and Administration Committee met in executive session on November 5, 2025, to consider House Bills 244, 610, and 727, and Senate Bills 94 and 193. On HB 244, which recodifies municipal enforcement of the building and fire code, the committee adopted amendment 2025-2952H by a 16-0 vote, then voted 16-0 to report the bill ought to pass as amended and placed it on the consent calendar. The discussion emphasized that the bill reorganizes building code statutes into a single chapter and was the product of substantial subcommittee work. On HB 610, concerning repeal of the Office of the Consumer Advocate, the committee adopted amendment 2025-3076H by a 16-0 vote. The amendment narrowed the office’s charge to residential utility customers, added duties for the Residential Ratepayer Advisory Board, allowed a two-thirds board recommendation to remove a consumer advocate for failing to perform duties, and broadened the qualifications pool for the position while retaining attorney eligibility. The current consumer advocate, Donald Crease, testified that he still preferred the existing statute but appreciated the committee’s effort to preserve a vigilant, independent ratepayer voice; members generally described the amendment as a more focused, less drastic approach. The committee then voted 16-0 to report HB 610 ought to pass as amended and placed it on consent. For HB 727, relating to the New Hampshire retirement system, the committee voted to inexpediently legislate by a 15-0 vote, with one member recused, explaining that the bill’s subject matter had already been addressed in House Bill 2 and signed by the governor. The bill was also placed on the consent calendar. On Senate Bill 94, prohibiting municipal amendments to the state building code, the committee heard extensive explanation from Mr. Sherman about a substitute amendment, 2025-2972H, which would preserve the prohibition on technical municipal amendments and avoid an unintended trigger that could reopen technical amendments across the code if the state falls behind on model code updates. The committee adopted the amendment 15-1 and then moved toward an ought to pass as amended recommendation; the transcript cuts off before the final disposition on SB 94 is fully completed. Senate Bill 193 was listed at the start of the meeting, but no discussion of it appears in the provided transcript.

Transcript Highlights:

• He is a senior at Brewbaker Technology here in Montgomery and is the guest of Representative Sellers.
• to call the next bill: House Bill 347, with substitute, by Representative Harrison, relating to consumer
• <03:04:50.240> that<03:04:50.440> are<03:04:50.520> designed, technologies that
• <03:05:37.840> of<03:05:38.240> artificial with the technology of artificial with the
• technology of artificial intelligence.<03:05:39.680> Right.

Keywords: 1136, house, all

Transcript Highlights:

• This harmful practice is known as speculative ticketing and is inherently anti-consumer.
• Robert Harrell, executive director of the Consumer Federation of California.
• that is actually more focused on protecting consumers.
• Federation and others because his perspective is about consumers.
• And what's unfortunate for consumers is before a show is even on...

Summary: The California Assembly Judiciary Committee met as a subcommittee because quorum was initially lacking, then heard AB 1349, a consumer-protection bill aimed at stopping speculative ticketing. The author said the bill would require ticket sellers to own or have a contractual right to sell tickets before listing them, require disclosure of seat locations, maintain records and refund capability on secondary platforms, and ban fake websites that mimic official event pages. Supporters included California Arts Advocates, the Music Artist Coalition, the National Independent Venue Association, Live Nation, the San Francisco Symphony, the American Conservatory Theater, and several sports teams, who argued the bill would protect fans, artists, venues, and nonprofit arts organizations from fraud and price gouging. Opposition came from the Consumer Federation of California, StubHub, SeekGeek/TickPick, and Vivid Seats. They said they supported the goal of stopping speculative ticketing but argued the bill’s language could create implementation problems, interfere with legitimate ticket transfers, and overlap with issues already being addressed in federal legislation and litigation involving the ticketing industry. They also raised concerns about terms-and-conditions restrictions and the potential effect on consumers’ ability to resell or transfer tickets they already purchased. Committee members largely expressed support for the bill’s consumer-protection goals while noting the need to continue working on amendments and unresolved issues. The author said he was committed to working with the opposition. The committee then approved AB 1349, as amended, on a do-pass motion to Appropriations by unanimous roll call vote, and the bill was reported out of committee.

Transcript Highlights:

• general any comment on the consumer general any comment on the consumer protection<00:44:06.480>
• consumer that and so the consumer consumer that and so the consumer receives<01:03:40.559> that
• That reassures the consumer this good.
• Um, and so consumers, if they can come—if consumers believe that they've been victimized by this and
• Consumer protections apply to those who Consumer protections apply to those who are<01:08:52.560>

Keywords: 1191, senate, all

Transcript Highlights:

• But it's graduated, and even at 10 million consumers, it would be about $5.60 per consumer.
• But it's graduated, and even at 10 million consumers, it would be about $5.60 per consumer.
• Of consumers is a proxy for the value that consumers are providing by giving up their data.
• Consumers watch it. They watch advert. Consumers watch it. They watch advert.
• consumer data tax. consumer data tax.

Keywords: 919, house, all

Summary: The committee heard testimony on House File 5055, the governor’s supplemental tax budget. Commissioner of Revenue Paul Marquart outlined the proposal as a balanced budget package that would leave a positive bottom line in the current biennium and beyond. He emphasized family-focused tax relief, especially a new refundable young child credit for children ages 0 to 4, which would provide up to $3,000 for one child or $6,000 for two or more, benefit about 104,000 families, and phase out at higher incomes. He also described federal conformity changes, including updates to business interest deductions, dependent care credits, and Section 179 expensing, along with omitted federal items such as research expensing and opportunity zones due to cost and policy concerns. Marquart also defended broader tax modernization proposals, including expanding the sales tax to selected consumer services such as accounting, banking, brokerage, and legal services while lowering the statewide sales tax rate, and creating a social media tax on consumer data collection that would fund an AI readiness special revenue fund rather than the general fund. He said these changes would make the sales tax less regressive and better aligned with the modern economy. Additional provisions mentioned included a gun-related gross receipts tax on firearms and ammunition, cannabis tax technical changes, historic structure rehabilitation conformity, and added auditors for tax compliance. Testimony from outside groups was mixed. Nan Madden of the Minnesota Budget Project supported the governor’s approach as a response to federal tax and spending changes, praised the decision not to conform to opportunity zones or federal no-tax-on-tips/overtime provisions, and urged even stronger revenue measures. Brian Lake of the Minnesota State Bar Association strongly opposed the proposed sales tax on consumer legal services, arguing it would burden low- and middle-income people in sensitive cases and create unfairness when individuals litigate against the state. Tanner Fritsinger of the Minnesota Association of Professional Employees supported the sales tax base expansion and the social media tax as ways to broaden revenue without raising the base rate. The committee chair thanked the commissioner and then began hearing public testimony, with additional testifiers queued up.

Transcript Highlights:

• If it's going to be your smaller direct-to-consumer type consumer interaction...
• If it's going to be your smaller, direct-to-consumer-type consumer interaction points, it's generally
• We've collected $14.5 million that has gone back directly to consumers in the form of consumer restitution
• pass immediately to consumers.
• being passed on in any way to consumers.

Summary: The Senate Committee on Banking and Insurance convened with a quorum present, and Commissioner Michael Yaworsky of the Office of Insurance Regulation delivered a broad update on Florida’s property insurance market. He outlined the division of responsibilities between OIR and the Department of Financial Services, then reported market indicators including 7.61 million residential policies in force, an average premium of $2,755, 1.5 million Citizens takeout approvals, and recent negative trends in homeowners rate requests. He credited recent legislative reforms, especially tort reform and the Insurer Accountability Act, with improving market stability, increasing competition, and allowing the office to conduct more examinations and investigations, recover consumer restitution, and fine insurers for misconduct tied to recent hurricanes. Yaworsky emphasized that Citizens Property Insurance has been rapidly depopulating from its 2022 peak and may fall below 300,000 policies, while cautioning that over-depopulation could create residual-market risks and assessments if a major storm hits. He also discussed the distinction between admitted and surplus lines markets, the role of reinsurance in Florida pricing, and the effect of inflation on total insured values and premiums. He said Florida has seen comparatively modest property rate increases relative to other states and noted that recent hurricanes did not produce the kind of rate spikes seen in prior years, which he attributed to a more stable market and reduced fraud and litigation pressure. In response to a question from Senator Martin, Yaworsky explained that California’s wildfire crisis and regulatory structure are not a direct one-to-one comparison for Florida, but that California’s market problems can affect global reinsurance capacity and serve as a cautionary example of regulatory missteps. He also highlighted a recent Progressive auto insurance excess-profits refund of about $1 billion to policyholders, discussed possible federal changes to the National Flood Insurance Program, and urged greater home resiliency and code-plus adoption. The commissioner closed by calling for clearer consumer disclosures and responsible oversight of AI use in insurance filings. No bills were considered and no votes were taken; Senator Hooper moved to adjourn, and the committee adjourned without objection.

Transcript Highlights:

• Ultimately, the inspection is booked and paid for by the consumer right now.
• Ultimately, the inspection is booked and paid for by the consumer right now.
• Number one, help the consumer, help us, help everyone gauge that the consumer can have a portal to understand
• Is there a cost to the consumer for those inspections? There is.
• There's a simple fact that consumers—there are some consumers in circumstances that simply can't afford

Summary: The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts. Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work. Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.