Transcript Highlights:

• We want slow, methodical growth. Wild swings up and down don’t help us. We need methodical growth.
• And when you'd say reference payments being made to the high school or the school districts beyond payments
• What are these kind of situations where the higher ed institution is making additional payments to the
• And these students are not just taking courses for the sake of... ...for payments.
• We're simply just saying that if a student has reached six payments and then they move, let's say, into

Summary: The committee met at North Dakota State College of Science for a presentation from President Flanagan and campus leaders on the college’s mission, enrollment growth, workforce programs, facilities needs, and industry partnerships. Flanagan highlighted student success in national competitions, strong placement and retention, the college’s strategic plan, and new or expanding programs such as aviation maintenance, fire science, dental hygiene, community health worker, surgical technology, HVAC/plumbing, and precision agriculture. He also described the need for a new dorm and a remodel of the library into academic and allied health space, including a simulation center, to address capacity limits and support growth. Several committee members asked about program demand, faculty recruitment, pay competitiveness, and how the college shifts resources from lower-demand programs to high-demand ones. Industry partner Jim Albright of Comdell testified that the college has been essential to the local manufacturing workforce and that many employees and interns come from NDSCS. A major topic was dual credit. Flanagan said dual credit is important but financially challenging, noting that only a small share of dual credit students ultimately matriculate to NDSCS and that the college’s dual credit model is close to break-even. He explained that many dual credit credits are general education rather than CTE, and that the college pays instructors, supports high schools, and absorbs indirect costs. Williston State College President Bernal Herning added that his institution loses money on the front end but has shifted toward helping students complete associate degrees before high school graduation because many go directly to work after high school. Committee members questioned how dual credit is delivered, how instructors are qualified, and whether students are truly doing college-level work. The committee then received a University System presentation from Jamie Wilkie on the cost of delivering dual credit statewide. Wilkie explained the methodology used to allocate direct and overhead costs and said the analysis shows dual credit is not profitable at several institutions once tuition, instructor payments, and overhead are included. Members asked how much of the cost is borne by students, families, and the state, and whether K-12 funding should also be considered. Discussion also covered the difference between subsidized and unsubsidized dual credit, payments to high school teachers or schools, and the possibility of waiving tuition in the future. No votes were taken, and the committee mainly gathered information for the ongoing dual credit cost study.

Transcript Highlights:

• We do work with them to make a payment arrangement, whether we are deducting from what their CCAP payment
• <00:26:05.520> arrangement with them to make a payment arrangement with them to make a payment
• set up a long-term payment set up a long-term payment so<00:26:18.480> okay<00:26:18.720>
• <00:31:55.159> is wants to lend me the down payment is wants to lend me the down payment is
• enforcement for our calculation method enforcement for our calculation method uh<01:05:15.520>

Keywords: 958, all

Summary: The committee met with a quorum, approved the minutes, and then reviewed a long agenda of administrative regulations, most of which were advanced with staff-suggested amendments and no objection. Early items included the Kentucky Public Pension Authority’s 105 KAR 1:451, which updates reporting language and adds the contractor wizard for certain employers, and a large package of Board of Veterinary Examiners regulations that revise fees, facility and AHP registration requirements, continuing education, liability, and practice rules. The Board of Speech-Language Pathology and Audiology’s compact-related regulation and the Board of Licensed Professional Counselors’ complaint and compact rules were also reviewed and approved with amendments, along with fish and wildlife rules affecting elk hunting, youth deer season length, bear-dog approvals, and foxhound enclosure permits. The committee also approved transportation, education, workplace standards, horse racing, and several health and human services regulations, including Medicaid waiver reimbursement updates and a child care regulation that sends certain large claims to the Office of Inspector General for review. Several agencies briefly explained their regulations when members asked questions. Fish and Wildlife said the elk population is strong and the baiting change is intended to support harvest monitoring and fair chase, while the longer youth deer season was meant to give young hunters more opportunity. The Department of Community-Based Services said the $10,000 and $5,000 claim thresholds were meant to clarify rare cases involving possible fraud or unresolved recoupment issues. The Department of Financial Institutions’ 808 KAR 5:305 drew the most discussion: it would allow certain state-chartered credit unions with a low-income designation to participate in federal programs, including limited non-member deposits and supplemental capital, but the regulation was deferred again amid continued discussions. The Kentucky Bankers Association testified against the credit union regulation, arguing that allowing non-member deposits conflicts with existing statute limiting credit union deposits to members and other credit unions, and that an administrative regulation cannot override that statutory restriction. Committee members heard the agency’s explanation that the proposal is intended to help underserved communities and that the non-member deposit authority would be limited, but no final action was taken because the item was deferred. The meeting otherwise concluded with the remaining regulations being called, discussed briefly, and approved or advanced without objection.

Transcript Highlights:

• Senate File 97 is referred to as cash payments governmental entities.
• cash payment governmental entities. cash payment governmental entities.
• as payment as payment as<00:09:20.880> a<00:09:20.960> payment<00:09:21.400> option
• , accept cash alongside other methods, accept cash alongside other methods, giving<00:09:36.400><
• Lottery tickets acceptance of debit card payments.

Keywords: 916, all

Transcript Highlights:

• We all know about the payments to state governments.
• a year of those increased payments.
• You know, they haven't even had a full year's payment.
• payment.
• Specific grant guidelines govern the type of grant and the method of payment.

Transcript Highlights:

• You receive payments from taxpayer-funded schools, and then you receive funds through by-board for the
• The method that they utilize at cooperative, like the by-board, is the inter-local agreement method.
• And, and, uh, The impetus for the payment is our billing to them.
• We don't maintain social security numbers as a nation. a method of registration or EINs?
• Generally, it depends on the method in which you submit the filing. online through SOS direct We can

Bills: HB10, HB 12, HB675, HB10, HB12

Keywords: regulatory reform, government efficiency, administrative law, rulemaking, agency deference, judicial review, de novo review, Texas Government Code, Administrative Procedure Act, state agencies, plain language, regulatory burden, regulatory reduction, cost-benefit analysis, fiscal note, public benefits and costs, contested case, rule challenge, Texas Regulatory Efficiency Office, advisory panel

Transcript Highlights:

• The second highest form of payment for scams is now cryptocurrency, with over $1.4 billion...
• Is now cryptocurrency, with over $1.4 billion lost to cryptocurrency-related payment scams.
• seriously address putting a cap on withdrawals from there to protect people and maybe some kind of method
• have quite a bit of elder folks who get taken advantage of, and a lot of the fraudsters use online methods
• HB 97 enables an injunction against unknown scammers by allowing service through the same method that

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

Transcript Highlights:

• Direct payments, payments to state government, and payments to local government.
• So starting kind of in the middle of the chart with payments to state government.
• So then second, I'll talk about direct payments. So that's what's on the left side of the chart.
• Direct payments are monies that go from the federal government to essentially all of the entities that
• And then finally, on the right side of the chart, we have payments to local governments.

Keywords: 988, house, all

Transcript Highlights:

• We believe that the NFQA tax for nursing homes that helps raise money for the M quit payment won't be
• DSH is that the directed payment received the federal match, which matches up with the person.
• payments payments as<00:14:13.120> compared<00:14:13.520> to<00:14:13.600> regular<
• <00:14:53.960> have directed payments have directed payments have exploded,<00:14:55.720><
• the directed payments after our limit the directed payments after our grandfathering<00:15:19.200>

Keywords: 1189, house, all

Summary: The committee met on May 29 and approved the draft minutes. DHHS Commissioner Weaver then opened the department update by asking Medicaid Director Henry Litman to brief members on federal and state Medicaid changes, and later turned to DHHS Chief Operating Officer David Weathers for an update on data governance. Members also asked that acronyms be spelled out in future materials and requested a follow-up on the federal Medicaid rule once it is published. Litman reviewed several federal Medicaid provisions tied to HR 1/"OBBA" and related state implementation issues. He said the first major change would be restrictions on certain non-citizens’ Medicaid coverage, affecting about 400 people in New Hampshire, with notices likely 30 to 60 days before the effective date. He also discussed new work requirements/community engagement rules, saying New Hampshire is on track to implement them and will likely need a state plan amendment rather than an 1115 waiver. Other changes included shorter retroactive coverage periods, a new state option for certain community-based services with an estimated $740,000 in implementation support, a freeze and phased-down reduction in the Medicaid enhancement tax beginning in state fiscal year 2029, and limits on directed payments to hospitals after a grandfathering period. He also noted that Medicaid enrollment has fallen from pandemic-era levels, with about 167,000 people covered as of May 1, and that the department is working with CMS on child premiums and other cost-sharing changes approved in HB 2. Committee members asked how the department could plan for the 2029 changes given the number of elections before then, and Litman said federal rules may be adjusted over time as states and stakeholders raise concerns. He emphasized planning for the worst while hoping for the best, and said rural health care transformation funding would help the state prepare. In the second presentation, Weathers explained that data governance is now embedded in DHHS operations to control access, manage reporting, and respond to risk. He defined it as managing what data is collected, how it is used, who can access it, and what laws apply, and said DHHS has moved from governance as a committee to governance as an operational process. He described privacy impact assessments for new systems going into production, monthly privacy and security training, and ongoing review of access controls and data-sharing rules.

Transcript Highlights:

• Proof of identity shall be required for any method of voting authorized by law.
• Instead, it places a new constitutional mandate Requiring proof of identity for all methods of voting
• Instead, it places a new constitutional mandate requiring proof of identity for all methods of voting
• Senate Bill 1500 is solving a very specific breakdown in the pharmacy payment pipeline.
• It defines, I'm sorry, it defines the performance service or work for specific payment.

Bills: SB65, SB248, SB330, SB378, SB844, SB1330, SB1410, SB1475, SB1476, SB1565, SB1618, SB1623, SJR39, SJR47, SB2084, SB1655, SB1679, SB2174, SB1775, SB1873, SB1204, SB1884, SB1916, SB1937, SB1447, SB1500, SB2007, SB2074, SB1944, SB2018, SB1984, SB2026, SB2045, SB2049, SB2062, SB2112, SB2118, SB2127, SB2134, SB2135, SB2139, SB2154, SB1195

Keywords: SB65, naloxone, Narcan, opioid overdose, overdose reversal, opioid antagonist, emergency opioid antagonist, substance abuse services, harm reduction, public health, overdose prevention, good samaritan, civil immunity, criminal immunity, controlled substances, addiction treatment, fentanyl, opioid crisis, school overdose response, first aid

Transcript Highlights:

• If funds do get out, it's normally just a first. payment that gets out.
• My constituent didn't get their first payment.
• TWC. has planned to roll out this new platform for delivering payments.
• So, you know, the delay in payment isn't just... that we're missing payments, you know, this past couple
• We've only received two payments out of the allotted 4.

Keywords: 1184, house, all

Transcript Highlights:

• Unlike county governments, there is no state law that mandates payment for the receipt of training.
• state law that mandates payment for the state law that mandates payment for the uh uh uh receipt<00:20
• It simplifies the process for those fiscal courts that choose the alternative method.
• So,<00:24:51.920> I<00:24:52.000> think<00:24:52.760> uh the alternative method
• So, I think uh the alternative method.

Keywords: Meeting Start 00:00:01 Roll Call 00:00:21 SB 141 Discussion 00:03:21 SB 141 Vote 00:10:57 HB 755 Discussion 00:13:08 HB 755 Vote 00:17:55 SB 20 Discussion 00:19:36 SB 20 Vote 00:21:53 SB 40 Discussion 00:23:31 SB 40 Vote 00:26:25 HB 851 Discussion 00:28:53 HB 851 Vote 00:31:53 Adjournment 00:33:26, 958, all

Transcript Highlights:

• And their methods for doing that are confidential. They're not going to share that.
• And their methods for doing that are confidential.
• In response to the bill carrier's question, the original bill was to certify doulas and to start a payment
• come from the Pittman-Robertson Wildlife Restoration Act, while the remaining federal payments come
• -45 of the North Dakota Century Code relating to long-term care insurance policy terms and claim payments

Keywords: 908, all

Summary: The Senate convened with prayer, pledge, roll call, and a quorum present, then approved a motion to lay over House Bill 1525 for one legislative day. It also voted not to concur with House amendments on Senate Bills 2294, 2297, 2070, 4017, and 2262, appointing conference committees for each. The chamber then took up a series of House bill amendments and final-passage votes. On amendments, the Senate adopted changes to House Bill 1229 on fleeing law enforcement and driving-record transparency after debate over insurance impacts and public safety; House Bill 1510 on teacher retention, on-site child care, and licensure study language; House Bill 1160 to restrict student personal electronic devices during instructional time; House Bill 1429 to address drone harassment and stalking of animals; House Bill 1203 to harmonize medical marijuana provisions; House Bill 1600 to create a UND immigration clinic with reporting requirements; House Bill 1130 to broaden K-12 funding formula changes and reduce state fiscal impact; House Bill 1279 to modify the coal conversion tax exemption; House Bill 1442 to adjust membership and scope of a state task force; and House Bill 1464 to convert a maternal care services proposal into a study and remove the appropriation. The Senate rejected an amendment to House Bill 1022 concerning the Retirement and Investment Office bonus program, then passed the bill. It also passed House Bill 1234 on a $90 million transfer to reduce PERS liability, while rejecting a floor amendment to it. On final passage, the Senate passed House Bills 1008 (Public Service Commission budget), 1218 (temporary moratorium and study on economic analysis for drain projects), 1234 (PERS funding transfer), 1146 (PERS defined contribution cleanup and emergency clause), 1355 (expanded notice for administrative rulemaking), 1470 (Game and Fish fee changes and guide/outfitter updates), 1029 (Capital Grounds Planning Commission duties), 1017 (Game and Fish budget), 1374 (township supervisor open-meeting exemption for on-site inspections), and 1064 (NC-SARA membership and distance education regulation). It defeated House Bill 1583 on false political advertisements with civil-action language and House Bill 1393 on earned wage access provider regulation. The transcript ends as the Senate begins consideration of House Bill 1326 on self-defense and unlawful firearm possession by felons.

Transcript Highlights:

• But also on the Revenue Cabinet, because they're the ones that actually provide the payment of those
• of that actually provide the payment of those<00:18:26.720> credits.
• c> recovery the the KBI and and the kind of recovery the the KBI and and the kind of recovery method
• that the the agreements can be up method that the the agreements can be up to<00:24:13.520> 10
• And that’s a form that’s used relative to making the reimbursement, or the payment to the company, using

Keywords: 958, all

Summary: The speaker outlined Kentucky’s economic development strategy and how the cabinet evaluates and awards incentives. He emphasized using national benchmarks such as Site Selection and Area Development magazines, focusing on real data, competitiveness, and performance-based incentives. He said the state is performing well nationally in investment rankings, and credited the legislature with providing tools that help attract and retain jobs, especially through speed to market, site readiness, transportation, and workforce coordination. A major portion of the remarks described the “anatomy” of an incentive package: first improving sites and infrastructure such as water, sewer, roads, and rail spurs; then using sales tax benefits for construction materials and equipment; then training support through the Bluegrass State Skills Corporation; and finally the Kentucky Business Incentive (KBI) program, which reimburses qualifying expenses from incremental tax revenue. He said incentives are negotiated, data-driven, and targeted toward companies with strong wage levels, training plans, growth potential, and, in some cases, agricultural benefits or industry leadership. He also noted special treatment for heritage communities and said the state has expanded KBI beyond heavy manufacturing to include R&D, headquarters, and service businesses. The speaker also described compliance and oversight. Incentive agreements are written with job, wage, investment, and community-benefit terms, and companies must file regular reports and invoices. Cash incentives can be clawed back if commitments are not met, while tax credits are tied to actual investment and job creation. He said the Revenue Cabinet and Environment and Energy Cabinet play important monitoring roles, and that projects go through application review and preliminary approval by the Kentucky Economic Development Finance Authority before final approval and payment. He closed by thanking legislators for their support and for allowing more flexible, capped, and data-driven incentive tools.

Transcript Highlights:

• House Bill 309 prohibits landlords from taking payments only by electronic means.
• renters based solely on method of payment.
• <00:08:55.200> of solely on method of solely on method of payment.<00:08:57.279> House<
• /c><00:08:57.680> Bill<00:08:58.200> 309<00:08:59.200> supports payment.
• House Bill 309 supports payment.

Keywords: 1191, senate, all

Transcript Highlights:

• We don't have real-time access to payment information to the point that we can run queries on...
• May be probable cause for fraud so that they could, in fact, stop payment.
• Ultimately, the determination of whether to stop payments or not rests with the state agency.
• But can you share what methods of detection your agency uses? Mr.
• payments when, in fact, there's been a search warrant that's been issued.

Bills: HF3043, HF2891

Keywords: public safety, illegal remunerations, healthcare fraud, grants, criminal penalties, state law, grants management, state employees training, certification, monitoring grants, accountability, grant fraud

Transcript Highlights:

• It's also going to require landlords to offer digital payment of rent, to provide alternative methods
• of payment if they can't afford or if they can't figure out how to use the digital methods.

Keywords: 919, house, all

Summary: The House took up Senate File 4171, a housing bill addressing sub-metered utility services and final billing for vacant tenants. Representative Igo explained that the bill allows shared-metered residential buildings to bill the last billing period before a tenant vacates based on estimates, requires landlords to offer digital rent payment with alternative payment methods for tenants who cannot use or afford digital options, and bars extra fees beyond administrative and late fees. Members described the measure as a cleanup bill developed with multiple landlord-tenant stakeholders. Two amendments were adopted. Amendment A2 expanded expedited eviction language to cover threats or harm directed not only at other residents but also at landlords, employees, contractors, and others present at the property, while keeping safeguards such as sworn affidavits, judicial review, service timelines, and penalties for misuse. Amendment A1 protected minor children from appearing in eviction cases and from having eviction records attached to them later, with penalties for noncompliance. Supporters said both amendments were friendly, part of the broader agreement on the landlord-tenant package, and intended to improve safety and protect children. After third reading and brief closing remarks from Representatives Howard and Igo, who thanked committee members, advocates, and stakeholders for bipartisan work, the House took a roll call vote. The bill passed as amended by a vote of 134 yeas and 0 nays, and its title was agreed to.

Transcript Highlights:

• So it's more of an availability payment than it is actual putting more numbers of staff in play?
• So it's more of an availability payment than it is actual putting more numbers of staff in play?
• So it's more of an availability payment than it is actual putting more numbers of staff in play?
• So it's more of an availability payment than it is actual putting more numbers of staff in play?
• So it's more of an availability payment than it is actual putting more numbers of staff in play?

Keywords: 958, all

Summary: The committee approved the January 14 minutes and then considered a large agenda of contracts, including personal services contracts, amendments, memoranda of agreement, and Kentucky Entertainment Incentive Program items. The chair noted the agenda contained 240 items and emphasized the need for transparency in how contract approvals work. Several items were pulled for questions, while the rest were approved without objection. The first major discussion involved seven contingency-fee contracts for the Attorney General’s office. Committee members asked about the apparent $20 million maximum per contract, and staff explained that the amount was a ceiling, not a guarantee, and that under the statutory waterfall in KRS 45A.717 a $20 million fee would require roughly $355 million returned to the Commonwealth. Staff also said the new batch included some new firms, that these contracts are being handled in 6- to 12-month batches, and that no money had yet been spent from the prior cycle. The committee then approved those contracts. Members also questioned a Cabinet for Health and Family Services training contract, which officials said was needed because Finance provides only Kentucky-specific training, while the outside vendor offers broader procurement and federal-funds training; the committee approved that item. A University of Kentucky capital project contract for the State Capitol exterior renovation was approved after questions about the open-ended date, total project cost, and expected completion, with staff saying the overall project is projected for substantial completion by the end of 2026 and final warranty work could extend into 2027. A DCBS amendment for SSI eligibility determinations for children in out-of-home care was explained as an increase caused by a protest, a reissued RFP, and more children entering care; the committee approved it after discussion of the protest and scoring details. The committee also approved a Transportation Cabinet amendment for an I-71 widening and interchange project in Oldham County after staff explained it was a time extension with no additional funds, though the project had evolved due to traffic changes and now includes an eight-lane bridge design. Finally, the committee discussed two Finance Cabinet facilities and support services amendments tied to the Capitol renovation and juvenile justice facility retrofits. Staff said the Capitol project contract covered the full design team, with completion projected around 2029, while the juvenile justice amendments covered additional design work for McCracken and Breathitt facilities, with final bid documents expected in June or July and construction anticipated to begin in the latter half of 2025. Both items were approved.

Transcript Highlights:

• All families to verify continued eligibility prior to each payment.
• As you'll see, we are talking about a payment cycle of every six weeks.
• We do monthly payments, but we frontload and give a two-month payment on the front end to homeschooling
• Give a two-month payment on the front end to homeschooling families.
• Checks that could result in students missing out on funding payments, so that's one concern.

Keywords: 999, senate, all

Transcript Highlights:

• So if any payment is made, they reset the clock every six months and there's no harm.
• And so where are they ever supposed to catch up when they're not having these payments made?
• They can't get the payments because that parent just isn't going to work.
• Judgments for credit cards, judgments for non-payment of taxes, as Ms.
• They made their payments for current child support.

Bills: HB40, HB1916, HB1973, HB2524, HB2530, HB3180, HB3421, HB3783, HB4170, HB4213

Keywords: business court, civil procedure, litigation, jurisdiction, arbitration, divorce, property division, family law, court jurisdiction, marital assets, parent-child relationship, birth certificate, identity proof, Family Code, court process, attorney fees, court costs, legal expenses, dispute resolution, child support

Summary: The committee heard several House bills, most of them relating to family law and court procedure, and left each bill pending after testimony. House Bill 1916 would clarify that the court that issued a final divorce decree retains exclusive jurisdiction over later actions involving undivided property. House Bill 1973 would require a certified birth certificate, if reasonably available, to be filed with a SAPCR petition or allow alternative proof of parentage while keeping the information confidential. House Bill 2530 would add qualifications and procedural safeguards for appointing amicus attorneys in SAPCR cases, including notice and hearing requirements, minimum qualifications, conflict rules, and limits on what amicus attorneys may do. House Bill 2524 would make Family Code references to attorney’s fees consistent by using “reasonable and necessary” language. House Bill 3180 would correct a scrivener’s error in the civil discovery rules by changing “settlement” to “statement.” The committee also heard House Bill 4213, which would change the interest rate on overdue child support from the current 6 percent simple interest to a fixed 5 percent and require the Attorney General to report on the impact of the change. Testimony was sharply divided: supporters argued lower interest could improve collections and help low-income obligors catch up, citing research and the size of child-support arrearages; opponents said lowering the rate would reduce incentives to pay and harm custodial parents and children. The Attorney General’s office raised implementation concerns about a House version that would have created a variable rate, while the committee substitute was described as restoring a simple fixed rate. After testimony, the bill was left pending. The committee also discussed House Bill 40, updating business court provisions and supplemental jurisdiction; House Bill 3421, streamlining probate procedures for original wills and copies; and House Bill 417, clarifying venue for lawsuits involving private transfer fees on real property. Each drew limited testimony and was left pending. Finally, House Bill 3783 drew extensive testimony on court-ordered counseling and reunification therapy in family cases. The sponsor and supporters said the bill would protect children and abuse victims from coercive, unregulated reunification practices, while opponents argued it was too broad, could interfere with legitimate therapy and judicial discretion, and might affect military families and other high-conflict cases. The committee heard testimony from judges, therapists, parents, survivors, and advocates, but took no final action and left the bill pending.

Transcript Highlights:

• , efficient payments for consumers and businesses.
• Today, the payments industry is not simply a financial service.
• These are high-quality jobs that spread across industries, not just in payments.
• Payments operate on a national and global network.
• The payments industry is a strong economic engine for Massachusetts. point of sale.

Keywords: 995, all

Summary: The commission met for its second hearing to study the future of credit card payments and sales transactions and their impacts on small businesses. Members heard extensive testimony from credit unions, retailers, restaurants, and payment-industry representatives on interchange fees, processing fees, fraud, chargebacks, rewards programs, and the ability of businesses to pass fees on to customers. Several witnesses argued that swipe fees have risen sharply, are especially burdensome for restaurants and other small businesses, and are charged on taxes and tips that are merely pass-through amounts. They urged state action to prohibit fees on tax and tip portions, improve transparency, and allow surcharging or convenience fees, while opponents warned that state regulation could reduce fraud protections, increase compliance costs, and threaten consumer rewards programs. Business owners and trade groups described thin margins, rising costs, and the difficulty of understanding merchant statements or negotiating with processors. Restaurant witnesses said card-not-present and online transactions create the greatest fraud and chargeback risk, with money often removed immediately from merchants’ accounts and disputes rarely resolved in their favor. Retail witnesses gave examples of rising effective rates, higher fees on rewards cards, and the burden of processing fees on low-value transactions. A representative from the Massachusetts Restaurant Association and others said restaurants are effectively paying fees on meals tax and gratuities, which they argued should not be subject to interchange charges. On the other side, the Cooperative Credit Union Association said interchange revenue helps credit unions fund fraud prevention, rapid card replacement, and member protections, and warned that state limits on interchange could weaken those safeguards and lead to higher consumer costs or reduced services. Airlines for America testified that airline credit card rewards are popular, support travel and jobs in Massachusetts, and could be harmed by interchange reform. The National Restaurant Association and a payments-policy attorney countered that interchange fees are set by card networks rather than competitive markets, that banks remain highly profitable even with rewards, and that states can act after recent court decisions. No votes were taken; the hearing consisted of testimony and questions from commissioners.