Video & Transcript Research : 'consumer lending'

Page 25 of 389
FL

Florida 2026 Regular Session

Appropriations Committee on Agriculture, Environment, and General Government Feb 25th, 2026

Appropriations Committee on Agriculture, Environment, and General Government

Transcript Highlights:
  • Senator Truenow, you have CS for Senate Bill 598 on Funeral, Cemetery, and Consumer Services.
  • Overall, Senate Bill 598 aims to streamline regulation and modernize consumer protections and improve
  • It is about restoring critical consumer protections that were weakened in 2019.
  • The Florida Gaming Control Commission Alana Zimmer: was created to protect consumers and enforcement.
  • It bolsters consumer protections by streamlining the holders and the Department's due diligence before
FL

Florida 2026 Regular Session

Appropriations Committee on Agriculture, Environment, and General Government Feb 25th, 2026

Appropriations Committee on Agriculture, Environment, and General Government

Transcript Highlights:
  • we could go to Tab 3, Senator Trunnell, you have CS for Senate Bill 598 on funeral, cemetery, and consumer
  • we could go to Tab 3, Senator Trunnell, you have CS for Senate Bill 598 on funeral, cemetery, and consumer
  • Really, it's about restoring critical consumer protections.
  • As penalties are diminished, these illegal operators have faced less risk, and the consumers, again,
  • It bolsters consumer protections by streamlining the holders and the department's due diligence before
Summary: The committee first took up appointments, recommending confirmation of James Patrick Grambling and Brian J. Aungst on a single favorable vote. It then heard and approved several committee bills, including CS/CS/SB 1260 on building code inspections, which directs the Department of Management Services to contract with private providers for plan review and inspections; CS/SB 1668 on NICA, which updates benefits, oversight, funding, and immunity language; SB 1300 on a workforce/CDL training program for selected nonviolent inmates; CS/CS/SB 598 on funeral and cemetery services; CS/SB 1580 on illegal gaming enforcement; CS/SB 934 on Florida Keys affordable housing tax exemptions; and CS/CS/SB 1452, an agency bill updating DFS programs and licensing rules. Each of those bills was reported favorably after committee debate and, in several cases, amendments were adopted. The committee spent substantial time on CS/CS/SB 1510, the DEP package, which reorganizes environmental rulemaking and land acquisition authority, expands septic-to-sewer and nutrient-reduction requirements in sensitive areas, updates stormwater and resilience provisions, and revises related permitting and grant programs. Two amendments were adopted, including one adding solar-energy and stormwater-related provisions and another removing septic disclosure reporting language. Testimony included support from DEP and concerns from environmental advocates about septic timelines and implementation. The bill was ultimately reported favorably. The committee also considered CS/CS/SB 1566 on local government budget transparency, requiring counties and municipalities to post budgets and related materials online for extended periods in a standardized format. The League of Cities opposed the bill as an unfunded mandate, while the sponsor argued it would improve taxpayer access and accountability; the bill was reported favorably. Finally, the committee heard SB 7034, a rule ratification for minimum flows and levels for the lower Santa Fe and Ichetucknee rivers and priority springs, with testimony focused on the proposed Water First restoration strategy, conservation measures, and concerns about water quality, funding, and local opposition. The transcript ends during closing remarks on that ratification bill, before a final vote is shown.
HI

Hawaii 2026 Regular Session

ECD Public Hearing - Wed Feb 18, 2026 @ 9:30 AM HST

Economic Development & Technology

Transcript Highlights:
  • And this will actually impact the renter or the consumer, the end user at the end of the day.
  • c><00:52:22.720> renter<00:52:23.119> or<00:52:23.359> the<00:52:23.520> consumer
  • ,<00:52:24.079> the impact the renter or the consumer, the impact the renter or the consumer
  • >> Just thinking that through, because I mean the tax itself is passed on to the consumer, so they're
  • there for decades, you know, and it's basically to, you know, the indirect effect is to help out the consumer
Summary: The committee heard testimony on several measures, beginning with HB 2410 relating to the Hawaii Technology Development Corporation. Testifiers from HTDC and the Hawaii Food Industry Association stood on written testimony, and members discussed the funding request, which was described as $1 million each for three programs, for a total of $3 million. The measure appeared to have broad support, with no opposition noted. The committee then took up HB 2235 HD1 on the military and community relations office, where Lori Moore of MACC asked for additional funding to support local businesses and education-to-career initiatives statewide. Members asked about the amount, and the request was identified as $1.3 million total. HB 904 on space operations followed, with three supporters and one opponent, though no substantive testimony was captured beyond the vote counts. HB 2201 on state enterprise zones drew testimony from Georgia Skinner of DBEDT’s Creative Industries division, who said the measure would build on a well-run enterprise zone program and help make Hawaii’s film industry more competitive. Tom Yamashita of the Tax Foundation also provided comments. The committee then considered HB 2349 relating to DCCA and DBEDT coordination; DCCA explained it already provides links and information to DBEDT programs, while DBEDT argued that direct data sharing would allow more proactive outreach. Members raised privacy and cost concerns, and DBEDT said it would consider opt-in collection and acknowledged system changes and possible funding needs. The committee also heard two tax credit bills. HB 1972 HD1, on a caregiver tax credit, received strong support from AARP, the Hawaii Public Health Institute, the Hawaii Children’s Action Network, and others, who described caregivers as an “invisible workforce” and argued the credit would help families keep loved ones at home and reduce financial strain. The Tax Foundation suggested a grant or subsidy program might be more efficient than a tax credit and raised concerns about debarment provisions. HB 20007 HD1, on the household and dependent care services tax credit, also drew strong support from public health and family advocacy groups, who said Hawaii families face some of the nation’s highest child care costs and that the bill would better reflect current expenses; the Tax Foundation again raised technical concerns about complexity and debarment. Members asked about fiscal impacts, and testimony indicated the current credit costs about $6 million, with the bill expected to increase that amount. The committee then moved on to HB 2385 HD1 on housing, where the Deputy Attorney General began presenting written comments on whether the bill limits county authority.
HI

Hawaii 2026 Regular Session

AGR Public Hearing - Wed Feb 11, 2026 @ 9:30 AM HST

Agriculture & Food Systems

Transcript Highlights:
  • recent years to ensure that there is effective labeling, which is critical to both industry and consumer
  • 00:55:12.400> both<00:55:12.640> industry<00:55:13.040> and<00:55:13.359> consumer
  • critical to both industry and consumer critical to both industry and consumer protection.<00:55:
AZ

Arizona 2026 Regular Session

02/10/2026 - Senate Appropriations, Transportation and Technology

Appropriations, Transportation and Technology

Transcript Highlights:
  • fraud office to bring legal claims against entities suspected of violating consumer fraud laws in the
  • In my practice in consumer fraud, this bill will give the Attorney General some additional tools to set
  • The existing consumer protection law protects against this, and this bill simply gives resources to the
  • And it occurs to me that if we’re not going to encourage the Attorney General for legitimate consumer
  • product protection... “...consumer product protection.
Summary: The committee first approved the February 3, 2026 minutes and reordered the agenda to accommodate sponsors and speakers. SB 1114, which would appropriate $1 million to the Maricopa County Attorney’s Office to investigate behavioral health patient brokering statewide, was presented as a response to Medicaid fraud and exploitation of vulnerable Native American patients. After brief questions about why Maricopa County would handle statewide oversight, the bill received a do pass recommendation on a 9-0 vote with one member not voting. The committee then took up SB 1111, as amended by a strike-everything amendment regulating automated license plate readers. The amendment limited use to specified law enforcement purposes, required verification of alerts when feasible, imposed data-retention and handling responsibilities on agencies, and created a misdemeanor penalty for unauthorized release of data. Supporters from Phoenix, Tempe, Prescott Valley, the Arizona Chiefs of Police, and the Arizona Sheriffs’ Association argued the bill provides needed statewide guardrails while preserving a valuable investigative tool for missing persons, stolen vehicles, and serious crimes. Opponents from the ACLU, Institute for Justice, and private citizens raised privacy and Fourth Amendment concerns, warning about dragnet surveillance, unclear terms like “legitimate” law enforcement purposes, lack of public access to records, and the risk of misuse for immigration or abortion-related tracking. The committee adopted the amendment and then gave SB 1111 as amended a do pass recommendation on a 7-2 vote, with one not voting. Next, SB 1116, as amended, was approved. The bill requires appeals or adverse determinations on behavioral health claims under AHCCCS fee-for-service to be reviewed by someone with relevant clinical experience, and the amendment broadened the requirement to include medical-necessity denials and specified at least two years of similar clinical experience. Senator Werner said the measure was intended to curb inappropriate denials and improve payment for behavioral health providers serving Native communities. Access was neutral but said the bill’s terms were too broad and could require additional staff; the committee nonetheless adopted the amendment and passed the bill 10-0. Finally, SB 1122, as amended, was approved 10-0. The bill bars AHCCCS from requiring prior authorization for behavioral health services under the American Indian Health Plan, while the amendment prohibited 100% prepayment review and adjusted the corrective-action language. Senator Werner and provider representatives said the measure was needed because providers were being delayed or denied payment, contributing to closures, workforce shortages, and patient brokering. The committee then began hearing SB 1072, a major appropriation to increase reimbursement rates for home- and community-based services for individuals with intellectual and developmental disabilities, with testimony focused on severe caregiver shortages, overtime costs, and unassigned service authorizations.
FL

Florida 2026 Regular Session

Rules Jan 27th, 2026

Rules

Transcript Highlights:
  • Recent statutory language intended to protect consumers has created ambiguity that could be used to challenge
  • SB 288 narrows the statute to remove that unintended exposure while preserving core consumer protections
  • Recent statutory language intended to protect consumers has created ambiguity that could be used to challenge
  • SB 288 narrows the statute to remove that unintended exposure while preserving core consumer protections
  • Tab 6, CS for CS for SB 290 on Department of Agriculture and Consumer Services by Senator Trumbull.
Summary: The Senate Committee on Rules met with a quorum present and considered a long agenda of bills, many of which were reported favorably. Early action included CS for SB 62 on candidate qualification, which would create an enforcement mechanism for party-affiliation qualification requirements, and CS for SB 156, the Officer Jason Raynor Act, which would clarify resistance-to-officer language and add mandatory life imprisonment for manslaughter committed against a law enforcement officer. SB 156 drew strong support from the City of Daytona Beach and law enforcement groups, while the Florida Association of Criminal Defense Lawyers opposed parts of the bill, arguing it removed useful limits on force and imposed overly rigid sentencing. The committee also approved several open-government sunset review bills, including measures extending exemptions for social media platform investigations, small business loan program records, Department of Highway Safety and Motor Vehicles investigatory records, emergency shelter recipient information, Department of Military Affairs records, conviction integrity unit reinvestigation information, Public Service Commission records and meetings, and Florida Gaming Control Commission records and meetings. The committee also advanced CS for SB 624, allowing batterers’ intervention programs to offer optional faith-based activities, with supporters saying faith-based counseling can help reduce domestic violence and no participant would be required to take part. Other approved measures included HB 167 on former phosphate mining lands, which limits certain liability claims if notice and survey requirements are met; CS for SB 48 on housing, which requires local governments to allow accessory dwelling units and was amended to remove hearing and variance requirements and clarify local ordinance obligations; SB 288 on rural electric cooperatives, described as a negotiated glitch bill preserving co-op authority over generation and power purchases; and CS for SB 364 on public accountancy, which creates additional CPA licensure pathways and mobility provisions. The committee also approved SB 292 creating a public records exemption for appellate court clerks and their families, despite some opposition votes. Later, the committee passed CS for SB 296 and CS for SB 298, which expand protections for victims of domestic violence and dating violence by creating a feasibility study for a secure web-based 911 alert platform and extending address confidentiality and public records protections to dating violence, stalking, and aggravated stalking victims. SB 386 on farm equipment, described as a “lemon law” for tractors and similar equipment, also passed. Additional open-government bills were approved for emergency shelter recipients, military affairs records, conviction integrity unit materials, PSC records, and gaming commission records. SB 168 on public nuisances was reported favorably as well. One bill, CS for CS for SB 290 on the Department of Agriculture and Consumer Services, was temporarily postponed after extensive stakeholder testimony; the chair allowed public comment but no vote was taken, and the sponsor indicated ongoing discussions and possible changes. At the end of the meeting, senators recorded several individual votes for the record, and the committee adjourned.
TX

Texas 89th Regular

Trade, Workforce & Economic Development Apr 30th, 2025

Trade, Workforce & Economic Development

Transcript Highlights:
  • And I don't see anything as far as consumer protection.
  • American consumers can only consume about 1.6 billion pounds. So there's two.
  • Because if they don't label it, consumers are going to think it's wild-caught.
  • This lack of transparency can erode consumer trust and make it difficult.
  • Members, this bill strengthens consumer protection and addresses emergency.
TX

Texas 89th Regular

Insurance Apr 23rd, 2025

Insurance

Transcript Highlights:
  • Recently, OPIC made a legislative recommendation to preserve consumer rights to... ...to invoke appraisal
  • I appreciate all the stakeholders coming together with a policy that I think is good for Texas consumers
  • Less litigation means lower costs for all of us consumers.
  • The only thing I would add is that... ...on appraisals that shows, I think, consumers that it tends to
  • increase the awards made to consumers.
TX

Texas 89th Regular

Insurance Apr 23rd, 2025

Insurance

Transcript Highlights:
  • The chair lays out his pending business, SB916 by Zafiropoulos, relating to consumer protections against
  • Let's see here, Senate Bill 1264, which passed during the 86th legislative session, prevents consumers
  • Situations arise where the consumer has no choice over who provides their care and cannot be surprised
  • Shortening that and getting this delayed isn't just about that; it's been the consumer that has been
TX

Texas 89th Regular

Pensions, Investments & Financial Services Apr 7th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • This ensures that consumers are well-informed about their digital assets.
  • Such transparency is essential for fostering trust and enabling consumers to make informed financial
  • In conclusion, House Bill 4233 represents a significant advancement in safeguarding consumers. ...and
  • There are levels that are going to be more consumer protection-based.
  • So, we put in quite a lot of consumer protection. Last session.
NH

New Hampshire 2025 Regular Session

House Finance Division I (09/18/2025)

Transcript Highlights:
  • And I I asked that have on consumers?
  • . the cost of energy to consumers.
  • It's just a more straightforward process that lends itself to this kind of a solution.
  • It's just a more straightforward process that lends itself to this kind of a solution.
  • straightforward process that lends straightforward process that lends itself<00:42:38.640> to
Keywords: 928, house, all
Summary: The committee first took up House Bill 219, which would revise the renewable portfolio standard by changing several class definitions, eliminating Class 2, lowering the utility obligation for Class 1 thermal renewable energy certificates from 2.2% to 1.7%, and adjusting alternative compliance payments. Representative Vose said the bill would save ratepayers an estimated $5.7 million annually, arguing that Class 2 is already saturated and that the changes would not materially affect renewable energy development. Members questioned the fiscal impact, with an amended fiscal note cited as showing a $1.2 million reduction in general fund revenue, and some members raised concerns that the bill could weaken one of the remaining incentives for renewable investment. The committee also reviewed the bill’s history, including that it had been added to HB 2 and then removed in conference committee. No vote was taken in the work session. The committee then heard House Bill 164, concerning local records retention and the creation of a local records manager position. Secretary of State David Scanlan testified that the position has existed in statute for years but has never been funded, and said the need has grown as records management has become more digital and ADA accessibility has become more important. He described the bill as a way to help towns preserve and digitize records, especially for smaller communities with limited resources, while keeping records locally when possible. Members asked about the fiscal note, the potential cost of a public website and storage system, and whether the state could start by funding the position alone; the secretary said the staffing cost estimate remained accurate but that storage costs could rise over time. Several members expressed support and suggested further discussion with the Department of Information or other agencies. The work session was then closed without action. Finally, the committee opened House Bill 365, which would provide proof of U.S. citizenship assistance for indigent voters. Secretary Scanlan said the bill is intended to help voters comply with the new voter registration documentation requirements by allowing the state to verify eligibility through federal, private, and other state databases, and by providing vouchers to cover the cost of obtaining documents such as birth certificates. He compared the proposal to the earlier voter ID law, which he said was successfully implemented with accommodations for voters lacking acceptable ID. Members asked how “indigent” would be defined and how the process would work for out-of-state-born applicants; the secretary said indigency would likely be based on a voter’s statement of inability to pay and that the state would help identify where to obtain records and, if necessary, verify them through outside databases. The discussion continued as the transcript ended, with no vote recorded.
CA

California 2025-2026 Regular Session

Senate Privacy, Digital Technologies, and Consumer Protection Committee Jun 8th, 2026

Privacy, Digital Technologies, and Consumer Protection

Transcript Highlights:
  • The Senate Committee on Privacy, Digital Technologies, and Consumer Protection will come to order.
  • Good afternoon, Jackie, on behalf of the Consumer Technology Association, respectfully opposed.
  • And I know some of the amendments may lend to that, but how do you...
  • And I know some of the amendments may lend to that, but how do you feel that this would be a bit easier
  • AB 2561 would ensure consumers maintain control over their preferred privacy settings by prohibiting
Keywords: 987, senate, all
Summary: The Senate Committee on Privacy, Digital Technologies, and Consumer Protection heard three Assembly bills. AB 412, the AI Copyright Transparency Act by Assembly Member Bauer-Kahan, would require developers to let copyright holders query whether their works were used to train generative AI systems. Supporters, including voice actors, artists, labor groups, and Professor Ben Zhao, argued the bill is a narrow transparency measure that helps creators protect their rights and that the underlying technology is feasible. Opponents, including business and tech groups, argued the bill goes ahead of unsettled copyright law, is technically difficult to implement at scale, and could burden startups. The author accepted committee amendments narrowing the bill, and the committee voted 6-2 to pass it as amended to the Judiciary Committee. AB 2448 by Assembly Member Berman would require electronic health record vendors to implement technical safeguards that help providers protect sensitive reproductive and gender-affirming care information. Planned Parenthood affiliates, the Attorney General’s office, and other supporters said the bill clarifies existing law and strengthens patient privacy amid threats to reproductive care access. There was no opposition testimony. The committee voted 7-1 to pass the bill to the Health Committee. AB 2561 by Assembly Member Valencia would prohibit changes to consumers’ privacy settings without their consent, aiming to prevent apps and software updates from resetting user preferences. CalChamber and TechNet representatives said they now supported the bill after the author accepted their amendments. The committee voted 8-0 to pass AB 2561. The hearing included multiple roll calls as quorum was established and bills were held on call before final votes were taken, and the committee then adjourned.
KY
Transcript Highlights:
  • it does it have other things that lend to<00:13:27.519> that<00:13:27.760> being<00:13
  • not every project is going to lend not every project is going to lend itself<00:15:43.279> well
  • That's a time-consuming process.
  • That's a time-consuming process.
  • That's a that's a time-consuming That's a that's a time-consuming process.<00:21:15.440> um
Summary: The Budget Review Subcommittee on Transportation met without a quorum, so it could not approve the minutes. The chair announced an Eastern Kentucky University health forum later that day and then proceeded with testimony on alternative delivery methods for road projects. Jason Sawala of the Kentucky Transportation Cabinet and Chad Laroo of the Kentucky Association of Highway Contractors were sworn in and introduced themselves. Sawala explained KYTC’s use of alternative delivery tools, including design-build, construction manager/general contractor (CMGC), and public-private partnerships (P3s). He said the cabinet’s goal is to deliver the best value to taxpayers in terms of quality, cost, and time, and emphasized that alternative delivery is most useful on projects with special circumstances such as innovation needs, specialized technology, complex constructibility, schedule pressure, or early contractor input. He cited the cabinet’s wrong-way driving prevention project as an example where design-build helped evaluate technologies and coordinate with stakeholders such as EMS and first responders. He also outlined the main tradeoffs: alternative delivery can improve collaboration and sometimes accelerate schedules, but it also brings risks related to right-of-way acquisition, utility relocation, changing scope, and the need for dedicated staff and compressed decision-making. He stressed that these methods are not a cure-all and are not appropriate for every project, while noting that traditional design-bid-build remains effective for most of KYTC’s work. Representative Branscum responded favorably, saying early contractor involvement is valuable and consistent with his experience in the vertical construction world. No votes or formal actions were taken because the committee lacked a quorum.
CA

California 2025-2026 Regular Session

Assembly Appropriations Committee Mar 19th, 2025

Transcript Highlights:
  • Robert Harrell, Executive Director of the Consumer Federation of California, in strong support of this
  • market, driving up costs for both the state and for consumers as well.
  • AB 597 is a bill that strengthens consumer protections for Californians after disasters.
  • It's critical to ensure a reliable yet temporary safety net that is there when consumers need it and
  • It's critical to ensure a reliable yet temporary safety net that is there when consumers need it and
Summary: The Assembly Appropriations Committee met on March 19, 2025, adopted its committee rules unanimously, and then heard a series of housing, insurance, and disaster-recovery bills. Early bills focused on wildfire relief and insurance issues, including AB 238 on mortgage forbearance for Los Angeles County wildfire survivors, AB 493 on insurance payout interest for homeowners, AB 597 on consumer protections after disasters, and AB 226 on strengthening the California FAIR Plan’s liquidity tools. Supporters generally framed these measures as necessary protections for disaster survivors and market stability, while opponents and concerned witnesses raised issues such as investor guidelines, compliance conflicts, and market disruption. Several members also noted equity concerns and the need to balance relief with consistency across the state. The committee also heard a cluster of housing-production bills. AB 306 proposed a six-year pause on new state building code updates affecting residential construction and limits on local code modifications, drawing strong support from housing and building industry groups who argued it would reduce costs and improve predictability. It also drew opposition from code, environmental, and clean-energy advocates, who warned about safety, local control, and the loss of important code updates. AB 253 would allow licensed third-party professionals to perform plan checks if local review takes 30 days or more, and AB 301 would impose state-agency permitting timelines similar to those already applied to local governments; both were presented as ways to reduce delays and speed housing development. AB 462 would exempt ADU construction from coastal development permit requirements in Los Angeles County, especially to aid fire recovery and expand housing supply. After hearing testimony and brief member discussion on each measure, the committee placed the bills on suspense or advanced them as appropriate. In the suspense hearing at the end of the meeting, the committee took up the suspense-file bills and reported AB 226, AB 238, AB 301, and AB 306 out with due pass recommendations on roll call votes. The meeting then adjourned.
MN

Minnesota 2025-2026 Regular Session

House Elections Finance and Government Operations Committee 3/18/26 - Afternoon Meeting

Elections Finance and Government Operations

Transcript Highlights:
  • how libraries can purchase, use and lend how libraries can purchase, use and lend ebooks.<00:03:
  • It weakens markets and reduces consumer welfare.
  • It weakens markets and reduces<00:10:33.200> consumer<00:10:33.600> welfare.
  • <00:10:34.240> Supporting reduces consumer welfare. Supporting reduces consumer welfare.
  • The fact of the consumer is paying $15.