Transcript Highlights:

• to that because I know there are situations in which when central intake is trying to call police dispatch
• central intake is trying to um call central intake is trying to um call police<02:25:20.560> dispatch
• > at<02:25:21.920> you<02:25:22.080> know<02:25:23.120> whatever police dispatch
• at you know whatever police dispatch at you know whatever time<02:25:24.000> some<02:25:24.240

Keywords: 1191, senate, all

Transcript Highlights:

• >> Except if you put in... whoever puts in last gets cut off first in general with the economic dispatch
• 02:11:25.920> with<02:11:26.159> the<02:11:26.400> economic<02:11:26.880> dispatch
• in general with the economic dispatch in general with the economic dispatch model.<02:11:28.079>

Bills: HB2284

Keywords: energy assistance, low-income households, electricity costs, Hawaii home energy assistance program, energy efficiency, 910, house, all

Summary: The hearing covered House Bill 2284, which would create the Hawaii Home Energy Assistance Program in the Department of Human Services to help qualifying households pay energy bills and direct the Public Utilities Commission’s public benefits fee administrator to provide information and assistance to recipients. Testimony from the Division of Consumer Advocacy, DHS, and the Public Utilities Commission was in support. A committee member asked about how the program would interact with existing TANF-related energy assistance and whether rules could be adjusted to avoid duplicative benefits; DHS said logistics would need to be worked out and that the agencies would make the rules. The committees noted the bill’s $1.5 million appropriation and moved it forward with amendments, including blanking out amounts and noting them in the committee report. Both committees voted to pass HB 2284 with amendments, with the recommendation adopted. The committee then heard House Bill 2486, relating to plug-in or balcony solar. DCCA, the Climate Change Mitigation and Adaptation Commission, and the Public Utilities Commission stood on prior testimony in support of the bill’s intent. Multiple advocates and organizations, including Carbon Cashback Hawaii, 350 Hawaii, Bright Saver, Sierra Club of Hawaii, and others, testified in support, arguing that plug-in solar would lower electricity bills, expand access for renters and condo residents, and reduce emissions. Several speakers urged the committee to remove or avoid registration, reporting, feed-in tariff, interconnection fee, and other requirements they said would create barriers. Bright Saver testified that the systems are safe and would not back-feed during outages. No vote was taken on HB 2486 during the excerpt. Finally, the committee heard House Bill 1568, which would prohibit the importation or storage of LNG in the state and the construction of related infrastructure. State agencies including the Consumer Advocate, Hawaii State Energy Office, Public Utilities Commission, and Hawaiian Electric opposed the bill, with the Energy Office arguing LNG would perpetuate oil use on Oahu and expose the state to price volatility. Supporters included Life of the Land, Sierra Club of Hawaii, Greenpeace Hawaii, 350 Hawaii, Earthjustice, Our Hawaii, and others, who argued LNG would lock Hawaii into another fossil fuel dependency, create major infrastructure costs and safety risks, and undermine the state’s renewable energy goals. Several testifiers cited climate and affordability concerns and urged the committee to reject LNG. The excerpt ends during testimony on HB 1568, before any committee action or vote is shown.

Transcript Highlights:

• Sorry,<01:34:07.040> I<01:34:07.120> gota We have a retention incentive for our dispatchers
• This upcoming fiscal year, we have $1.1 million allotted for retention pay for dispatchers, and that
• I think Chief Okimoto mentioned earlier with dispatchers.
• So dispatchers had a supplemental agreement.

Keywords: 912, senate, all

Summary: The Senate Committee on Public Safety and Military Affairs held an informational briefing on violent crime clearance rates and what resources law enforcement and prosecutors need to improve them. Chair and members noted there would be no public testimony. The briefing was led by Marshall Clement of the Council of State Governments’ Justice Center, with later participation expected from state and county law enforcement and prosecutorial agencies. Clement argued that solving violent crime is a systemwide issue, not just a local police function, and said clearance rates have declined nationally over decades for homicide, rape, aggravated assault, and robbery. He said Hawaii’s reported data, limited to Oʻahu and Kauaʻi, shows overall violent crime rates are lower than the national average and have been relatively flat with a pandemic-era spike followed by declines in 2023 and 2024. He reported that Hawaii’s overall violent crime solve rate fell from about 52% in 2014 to about 40% in 2024, with 2024 rates of 50% for homicides, 48% for aggravated assaults, and 26% each for rapes and robberies. He also estimated unsolved cases over the past three years at about 17 homicides, 3,300 aggravated assaults, 1,200 rapes, and 1,700 robberies. Members asked about victim and witness support, staffing shortages, the Denver example, whether clearance rates include cases not prosecuted, and whether HPD’s size or structure might affect solve rates. Clement said support can include victim-witness programs and coordinators that help maintain cooperation and trust, especially where clearance rates are low. He said resources, training, technology, and detective caseloads matter, citing Boston, Denver, and Omaha as cities that improved solve rates through relatively low-cost operational changes; he highlighted Denver’s increase in non-fatal shooting clearance from 39% to 65% in seven months after dedicating more resources. He said he had no research showing that breaking up a large department would improve solve rates, and noted that clearance data can include exceptional clearances such as victim noncooperation, prosecutorial declination, or a suspect’s death. No votes or formal actions were taken during the informational briefing.

Transcript Highlights:

• You make a call, you wait, you make another call, you try to call dispatch, you're calling someone there
• you<01:27:24.400> try<01:27:24.480> to<01:27:24.639> call<01:27:24.880> dispatch
• ,<01:27:25.440> you're<01:27:25.679> calling you try to call dispatch, you're calling
• you try to call dispatch, you're calling someone<01:27:26.320> there.

Keywords: 1189, house, all

Bills: HB816, HB1535, HB1537, HB1541, HB1562, HB1574, HB1591, HB1853, HB1854, HB1871, HB1965, HB1966, HB1969, HB1973, HB1974, HB2315, HB2343, HB2501, HB2505, HB1577, HB2443, HB2498, HB2581, HB2622

Keywords: HB816, Hawaii, opioid overdose, opioid crisis, buprenorphine, naloxone, Narcan, paramedics, emergency medical services, EMS, first responders, substance use disorder, addiction treatment, withdrawal management, overdose reversal, pilot program, Department of Health, DOH, county population under 100,000, rural health

Transcript Highlights:

• Um, we quickly identified and so did our dispatch center that it was a hoax.
• Um, we quickly identified and so did our dispatch center that it was a hoax.
• Um, we quickly identified and so did our dispatch center that it was a hoax.
• Um, we quickly identified and so did our dispatch center that it was a hoax.
• Um, we quickly identified and so did our dispatch center that it was a hoax.

Keywords: 1191, senate, all

Transcript Highlights:

• The simplest things, as dispatching to a fire and knowing The simplest things, as dispatching to a fire

Keywords: 959, house, all

Transcript Highlights:

• So, we have Eddy County, which hosted over the last year, a Dispatch 101 class for their oil and gas
• So, they invited local dispatchers to talk about what sort of questions they would be asking in the event

Keywords: 996, all

Transcript Highlights:

• It removed the compelling factor test for dispatchable generation. from the Texas Jobs, Energy, Technology
• instrumental in passing the Texas Energy Fund last session to incentivize the development of new dispatch

Bills: SJR59, SCR30, SCR46, SB31, SB127, SB324, SB401, SB407, SB467, SB482, SB506, SB529, SB584, SB619, SB636, SB646, SB647, SB659, SB715, SB732, SB735, SB771, SB784, SB800, SB801, SB816, SB1013, SB1026, SB1049, SB1055, SB1065, SB1137, SB1169, SB1181, SB1383, SB1395, SB1410, SB1433, SB1524, SB1531, SB1568, SB1640, SB1666, SB1681, SB1718, SB1754, SB1757, SB1972, SB1980, SB2004, SB2007, SB2041, SB2046, SB2050, SB2075, SB2076, SB2154, SB2173, SB2206, SB2225, SB2253, SB2268, SB2306, SB2308, SB2314, SB2322, SB2330, SB2351, SB2366, SB2371, SB2392, SB2398, SB2476, SB2533, SB2540, SB2544, SB2589, SB2610, SB2623, SB2660, SB2662, SB2693, SB2707, SB2717, SB2722, SB2742, SB2753, SB2779, SB2807, SB2843, SB2844, SB2858, SB2877, SB2880, SB2885, SB2920, SB2938, SB2986, HJR4, HCR35, SJR3, SJR18, SB5, SB260, SB1786, SB914, SB963, SB1197, SB1415, SB1437, SJR36, SJR50, SJR63, SJR84, SJR59, SCR12, SCR39, SCR46, SCR48, SCR19, SCR30, SCR3, SB2023, SB1433, SB2322, SB2877, SB407, SB1718, SB1395, SB62, SB666, SB847, SB284, SB854, SB1073, SB810, SB1505, SB583, SB1502, SB507, SB1026, SB1434, SB1376, SB1585, SB1772, SB2016, SB1163, SB619, SB1122, SB732, SB731, SB397, SB508, SB1436, SB287, SB261, SB1882, SB393, SB1791, SB529, SB209, SB2429, SB1999, SB511, SB2309, SB510, SB2253, SB584, SB1085, SB2314, SB2046, SB1975, SB2717, SB1262, SB1524, SB1137, SB636, SB2056, SB884, SB517, SB1200, SB1410, SB1845, SB1863, SB2681, SB2200, SB2199, SB1757, SB2050, SB2458, SB2201, SB1055, SB2660, SB2662, SB1065, SB801, SB2533, SB3014, SB3013, SB758, SB647, SB1721, SB2268, SB2366, SB1013, SB2797, SB2371, SB2383, SB646, SB1169, SB1754, SB2779, SB2004, SB2119, SB2448, SB1777, SB1283, SB2392, SB2076, SB2786, SB2876, SB2284, SB2225, SB1540, SB2920, SB2929, SB1972, SB2540, SB2742, SB2595, SB2217, SB715, SB2330, SB1383, SB500, SB1640, SB2001, SB2080, SB2722, SB506, SB2514, SB2623, SB2753, SB2398, SB1241, SB2927, SB2173, SB2538, SB898, SB467, SB1449, SB2529, SB1531, SB2846, SB2476, SB986, SB1181, SB2075, SB2154, SB2864, SB31, SB2880, SB1359, SB2386, SB771, SB2844, SB2550, SB1351, SB1423, SB1931, SB2245, SB2589, SB2707, SB2807, SB2351, SB410, SB659, SB816, SB2776, SB2693, SB2580, SB1980, SB1886, SB1234, SB739, SB482, SB456, SB127, SB1666, SB2843, SB2801, SB800, SB2055, SB784, SB2986, SB735, SB1012, SB324, SB2926, SB2938, SB2007, SB2138, SB1242, SB2615, SB1049, SB2310, SB1224, SB2972, SB1568, SB2841, SB2885, SB3016, SB2858, SB2610, SB2139, SB1856, SB2035, SB2308, SB2306, SB2041, SB1528, SB1681, SB1141, SB2401, SB2530, SB2375, SB547, SB1266, SB1373, SB1467, SB2069, SB2269, SB2480, SB2544, SB672, SB904, SB2695, SB2891, SB2422, SB2543, SB1854, SB317, SB2539, SB2532, SB2925, SB1250, SB2082, SB2203, SB457, SB2357, HJR4, HB135, HB1109, HCR35, HCR64, SB2721, SB243, SB1285, SB2568, SB1959, SB1442, SB1454, SB2520, SB2541, SB1708, SB1237, SB1844, SB1586

Keywords: education funding, Texas State Technical College System, capital projects, infrastructure, higher education, Birding Capital, Matagorda County, wildlife, conservation, Texas Legislature, Texas beef, cattle industry, agricultural heritage, Texas strip steak, economic growth, SB 31, Life of the Mother Act, Texas abortion law, medical emergency, reasonable medical judgment

Transcript Highlights:

• grant, provide a little bit of information back on the total number of emergency ambulance calls, dispatch
• grant, provide a little bit of information back on the total number of emergency ambulance calls, dispatch

Keywords: 1187, senate, all

Transcript Highlights:

• If there is a match, it goes to our human dispatch center in Alabama, where a facial analyst looks at

Bills: HB2134, HB2253, HB2270, HB2402, HB2404, HB2673, HB2941

Keywords: critical infrastructure, foreign adversaries, China, communications, security, law enforcement, disciplinary action, administrative appeals, investigative files, due process, retaliation, county seal, law enforcement authority, sheriff's posse, public safety, county governance, ambulance services, certificate of necessity, emergency medical services, state regulations

Summary: The Committee on Public Safety met, approved the March 11, 2026 minutes, and heard two presentations before moving to bills. The Arizona Department of Corrections, Rehabilitation and Reentry presented on its K-9 program, describing staffing, dog types, functions such as contraband interdiction, search and rescue, and offender apprehension, and noting aging vehicles and the need for replacement canines. Biometrica then presented a privacy-focused facial recognition/sensor system intended to help law enforcement identify missing persons and known offenders in real time without storing video or audio; members asked questions but took no action on the presentation. The committee then considered HB 2134, which would create the Arizona Critical Infrastructure Protection Act to restrict Chinese-owned or Chinese-produced equipment and software in critical infrastructure and require reporting and oversight by the Corporation Commission. The sponsor said the bill was revised to be prospective and more workable; supporters framed it as a national security measure, while some members raised cost and implementation concerns. The bill passed 4-3. HB 2404, which shifts inter-facility transport of behavioral health patients away from peace officers and toward authorized transporters except in limited circumstances, drew support from a Phoenix police crisis intervention officer and the Arizona Police Association and passed 7-0. HB 2402, dealing with ambulance certificates of necessity for small or underserved areas, was amended to require rather than allow certain certificates and to streamline reporting and application processes; the sponsor and firefighters said it would preserve access and modernize a decades-old system. It passed as amended 7-0. HB 2673, as amended, was reduced to creating a study committee on inmate mental health services after originally proposing broader jail and prison screening and treatment requirements; the sponsor and a victim’s family member described the bill as a response to failures in the mental health and jail systems. It passed 6-0 with one not voting. HB 2253, protecting employees from retaliation for testifying in law enforcement disciplinary appeals, passed 5-0 with two not voting, and HB 2270, expanding county control over use of county seals, logos, and sheriff’s posse names, passed 6-0 with one not voting. Finally, HB 2941, which would make certain motorcycle lane-splitting or passing behavior reckless driving except as allowed by existing lane-filtering rules, drew support from the sponsor and motorcycle advocates who said it targets dangerous high-speed lane splitting, but one speaker warned the language could unintentionally criminalize safe filtering. The bill passed 5-1 with one not voting. The committee then adjourned.

Transcript Highlights:

• I am the Executive Director for the Mesilla Valley Regional Dispatch Authority down in Las Cruces, New

Transcript Highlights:

• Our transit programs also provide jobs for drivers, mechanics, and dispatchers in their communities.

Transcript Highlights:

• Hopefully, that information allows the utility to help re-dispatch sources and mitigate the consequences

Transcript Highlights:

• about the body-worn camera, this is not about the case report, this is not about the call logs from dispatch

Bills: SB 15

Keywords: law enforcement, department file, employee records, misconduct, confidentiality, Texas occupations code, 997, house, all

Transcript Highlights:

• This is not about the, the call logs from dispatch.

Bills: SB 15

Keywords: law enforcement, department file, employee records, misconduct, confidentiality, Texas occupations code

Transcript Highlights:

• Current law requires the state hotline to dispatch county mobile response teams and also limits FERS

Summary: The Assembly met after a quorum call, opened with prayer and the Pledge of Allegiance, approved routine procedural motions, and recognized several guest groups, including First Five California, a fourth-grade class from Gideon Hausner Jewish Day School, visitors from Modoc and Lassen counties, and representatives from the Port of Long Beach. The chamber then moved through second reading and concurrence items, with most bills and resolutions being read, deemed adopted, or passed on file without debate. The main floor action centered on ACR 39, designating May 2025 as Missing and Murdered Indigenous People Awareness Month. Assembly Member Ramos and many caucus members spoke in strong support, describing the crisis as a state of emergency and emphasizing violence against Native women, girls, and two-spirit people, the need for better data collection, agency coordination, tribal sovereignty, and continued action beyond symbolic recognition. The resolution passed concurrence with 67 ayes and 0 noes. The Assembly also passed a series of bills on topics including classified school employee pay stubs (AB 374), allowing voucher preferences in housing (AB 282), authorizing nurse practitioners to sign death certificates (AB 583), student health insurance protections (AB 594), local housing pre-approval programs (AB 1206), veterans education program administration (AB 1509), expanding the Family Urgent Response System (AB 898), Star Wars Day (H.R. 33), local news sale notice requirements (AB 611), mask-wearing protections in public spaces (AB 1326), a Chula Vista university land-use measure (AB 76), undercover officer record protections (AB 1178), and preservation of Clover Valley in Rocklin (AB 1152). Most passed with broad support, though AB 282 and AB 611 drew some opposition. A major debate occurred on AJR 10, which urged the President to reverse cuts to the U.S. Forest Service. Members from both parties discussed wildfire prevention, forest health, staffing, and federal-state responsibility, with some criticizing the administration and others emphasizing forest management and the need for bipartisan cooperation. The resolution was adopted after a co-author roll and final roll vote of 67 ayes and 0 noes. The chamber then adopted the second-day consent calendar, heard an adjournment in memory for Giovanni “Johnny” of East Side Italian Deli, and adjourned until Monday, May 12, 2025.

Transcript Highlights:

• Members, this bill excludes dispatchable energy generation facilities from the compelling factor test

Summary: The Senate first adopted a motion to move the intent calendar deadline to 4 p.m. and then took up several bills by suspending the regular order of business. Senate Bill 2031, concerning removal of high fences around breeder deer release sites, passed after an amendment shortened the testing period from five years to three, tied visible identification requirements to the date Parks and Wildlife began requiring them, and made the bill effective immediately. Senate Bill 1490, a cleanup to adult charter high school funding, and Committee Substitute Senate Bill 2227, creating a process for delayed birth certificates and renamed the Charles E. Barton Act, both passed unanimously after floor amendments. Committee Substitute Senate Bill 1964, regulating artificial intelligence systems used by state agencies, also passed unanimously after the author described guardrails for high-risk AI and disclosure requirements. The Senate then considered Senate Bill 2877, which increases penalties for election fraud and related attempts; after debate over whether existing law already covers some conduct and whether the bill was necessary given the small number of convictions, it passed to engrossment and later final passage on a 21-10 vote. Committee Substitute Senate Bill 2658, on brackish groundwater production and study, passed after four amendments, including one giving water districts authority to stop production if monitoring shows harm to freshwater supplies or subsidence and another returning a portion of transported water revenue to districts. Committee Substitute Senate Bill 648, strengthening recording requirements for real property instruments to help prevent deed theft, also passed on a 26-4 vote. Other measures approved included Committee Substitute Senate Bill 401, making it easier for homeschool students to participate in UIL activities through local district opt-in/nearest-district participation rules; Committee Substitute Senate Bill 407, requiring health care facilities to honor conscience or religious vaccine exemptions for employees, despite extensive questioning about patient safety and immunocompromised patients; Committee Substitute Senate Bill 2117, creating a Texas Committee on Foreign Investment to review risky foreign acquisitions; Senate Bill 1718, adding the NRA annual meeting to the major events reimbursement program after a failed amendment seeking equal space for gun-control advocacy; Committee Substitute Senate Bill 1626, clarifying limits on censorship and interference with digital expression by social media platforms; and Senate Bill 2206, updating the state R&D franchise tax credit and related sales tax treatment, which passed 31-0. The chamber also debated Senate Bill 1395 on school health advisory councils. An initial amendment to restore voting seats for teachers and school employees failed, but a later amendment by Senator West added students back in an advisory, non-voting capacity. The Senate then handled routine motions, committee scheduling, first-reading referrals, and adjourned until April 29, with the session ending in memory of two constituents.

Transcript Highlights:

• Transit supervisors and police are dispatched.

Summary: The Assembly Public Safety Committee met to consider several bills, with six measures approved on consent, including bills on background checks, female offender prison facilities, a juvenile justice hunger survey, protective orders and firearms, a youth offender camp pilot, and peace officer behavioral health training. AB 710 and AB 848 were pulled by the authors. The committee also took up AB 458, AB 394, AB 1094, AB 1092, and AB 1036, with extensive testimony on each. AB 458, by Assembly Member Stephanie, would require state agencies purchasing firearms, ammunition, or accessories to vet vendors for compliance with firearms laws and procurement standards. Supporters, including Brady and the California Police Chiefs Association, said taxpayer funds should not go to dealers with serious violations; opponents argued the bill added burdens and vague standards. The committee approved the bill as amended and sent it to Appropriations. AB 394, by Assembly Member Wilson, would expand protections for transit workers and riders by broadening enhanced battery penalties, clarifying who may seek temporary restraining orders in the transit context, and making those orders system-wide. Transit agencies, labor groups, and law enforcement supported the bill, while public defender and civil liberties groups raised concerns about vagueness, duration, and impacts on access to transit. The committee passed AB 394 to Judiciary as amended. AB 1094, by Assembly Member Baines, would raise the minimum parole eligibility term for child torture convictions involving a child under 14 in the perpetrator’s care or custody from seven years to 20 years. Prosecutors, sheriffs, and police groups supported the bill, citing the severity of the abuse and the need to protect child victims; opponents argued the parole system already screens for risk and that harsher sentences do not improve public safety. The committee approved the bill as amended to Appropriations. AB 1092, by Assembly Member Castillo, would extend concealed carry weapon license renewals from two years to four years; supporters said it would reduce costs and administrative burdens, while the chair and others opposed it as unnecessary. The committee ultimately voted the bill down. AB 1036, by Assembly Member Schultz, would expand post-conviction discovery access for people convicted of felonies with sentences of one year or more, including Brady materials and jury selection notes. Innocence organizations and defense groups supported it, while district attorneys opposed the broader discovery obligations; the committee passed it to Appropriations as amended.

Transcript Highlights:

• Senator Brodeur: We will do that as soon as we dispatch the bill. Please stay close.

Bills: SJR37, SJR57, SCR8, SB8, SB108, SB125, SB251, SB318, SB378, SB379, SB396, SB472, SB487, SB503, SB533, SB565, SB583, SB608, SB650, SB686, SB689, SB707, SB710, SB763, SB854, SB875, SB916, SB924, SB925, SB958, SB961, SB965, SB987, SB988, SB1006, SB1019, SB1021, SB1024, SB1026, SB1038, SB1146, SB1185, SB1194, SB1202, SB1252, SB1253, SB1330, SB1343, SB1362, SB1497, SB1498, SB1499, SB1527, SB1547, SB1596, SB1697, SJR36, SJR12, SJR57, SJR37, SCR22, SCR12, SCR8, SB925, SB1362, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB504, SB857, SB305, SB296, SB284, SB1497, SB1499, SB1498, SB241, SB304, SB621, SB1023, SB1024, SB686, SB371, SB204, SB609, SB670, SB850, SB854, SB413, SB1346, SB1033, SB1220, SB1073, SB810, SB1539, SB447, SB875, SB406, SB985, SB965, SB1119, SB1505, SB1194, SB1253, SB1215, SB1302, SB856, SB583, SB673, SB681, SB1172, SB1252, SB378, SB608, SB955, SB957, SB988, SB1019, SB1021, SB1120, SB251, SB541, SB379, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB1352, SB785, SB710, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB961, SB1038, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB1146, SB763, SB667, SB1059, SB617, SB1567, SB503, SB16, SB310, SB311, SB396, SB505, SB1209, SB1210, SB1470, SB264, SB924, SB1029, SB1185, SB1202, SB1358, SB1364, SB1569, SB1697, SB1376, SB1228, SB519, SB878, SB1350, SB462, SB1535, SB827, SB1585, SB207, SB1207, SB1619, SB1396, SB920, SB1484, SB1273, SB1741, SB7, SB927, SB1227, SB1229, SB1353, SB1366, SB1464, SB1709, SB1729, SB1733, SB1744, SB1772, SB1816, SB1841, SB2188, SB1147, SB879, SB1008, SB378, SB710, SB916, SB1019, SB1146, SB1194, SB1253, SB1499, SB213, SB925, SB1362, SR263, SR311, SR333, SCR8, SB2407, SB2722, SB2949, SB2407, SB2722, SB2949

Keywords: voter ID, citizenship, election integrity, constitutional amendment, voting rights, central bank digital currency, CBDC, Federal Reserve, digital dollar, digital currency, cashless payments, financial privacy, cybersecurity, government surveillance, financial surveillance, money laundering, terrorism financing, illicit finance, banking policy, monetary policy