Transcript Highlights:

• These three employment services help people find employment, graduate from unemployment insurance, and
• fraudsters to create a new, less legitimate employer.
• From our experience, these kinds of protections for home solicitations and other direct consumer solicitations
• Today in Texas, this industry of direct consumer solicitation continues to thrive. is a 3.6 billion dollar
• Consumer protections, like the three-day right to cancel, are critical for consumers, including older

Bills: HB 112, HB199, HB621, HB1349, HB2214, HB3466, HB3698, HB3699, HCR9, HB112, HB199, HCR9

Keywords: science park district, economic development, technology innovation, higher education collaboration, infrastructure development, Texas Economic Development Office, workforce development, unemployment benefits, state average unemployment rate, benefit year, economic support, Texas Workforce Commission, property owners' association, free speech, assembly rights, government officials, political candidates, floodplain, landlord, tenant

Transcript Highlights:

• By way of context, last year, the Consumer Protection Division of the Attorney General's Office brought
• The intent of the bill is to make it easier to understand, but also to protect consumers.
• As the prime sponsor mentioned, the concern is not those large employers.
• I soon learned that while employers often did the math wrong, it was not truly their fault.
• , even though employers are supposed to calculate the exemptions on a weekly basis.

Bills: HB2453, HB2590, HB2445, HB2386, HB2585

Keywords: psychiatric pharmacists, mental health, pharmacy regulations, healthcare, pharmacological treatments, limited equity cooperatives, common interest ownership, housing, exemption, community ownership, probate, estate administration, inheritance, heir finder, heir locator, beneficiary interest, transfer of inheritance rights, probate for profit, personal representative, executor

Transcript Highlights:

• set of amendments does the following: It gives LDH more flexibility as to the timing of making the directed
• It gives L.D.H. more flexibility as to the timing of making the directed payments.

Bills: HB1, HB2, HB3, HB312, HB313, HB314, HB383, HB983, HB1126, HCR3

Keywords: state budget, appropriations, education funding, public health, social services, government operations, state institutions, capital outlay, budget, infrastructure, appropriation, general obligation bonds, bond authorization, capital improvement, financial management, state treasury, funding, state general fund, local government, fiscal year

Transcript Highlights:

• Protection, Consumer Fraud Revolving Fund to the Peace Officers Training Fund in fiscal year 2027.
• Protection, Consumer Fraud Revolving Fund to the Gang and Immigration Intelligence Team Enforcement
• I know here at the legislature we've moved in a direction to try to make sure that our firefighters—we
• Now, this isn't a sable round or a heat round directed at any one.
• Now this isn't a sable round or a heat round directed at any one.

Bills: HB2063, HB2271, HB2416, HB2478, HB2593, HB2692, HB2813, HB2992, HB2993, HB4044

Keywords: corrections oversight, appropriation, independent office, public safety, funding, firefighters, insurance rates, workers' compensation, firefighter cancer reimbursement, rate deviations, cost analysis, premiums, border security, drug trafficking, human smuggling, law enforcement funding, Arizona, immigration, education reform, K-12

Transcript Highlights:

• , consumers, and advocacy groups.
• I'm hoping that changes like these will make a stressful situation for consumers a little easier.
• My name is Megan Helling, and I'm here today as a consumer.
• That's already in the consumer rights protection bill.
• Of the consumers and also to meet the animal rights.

Bills: HF2543, HF2566, HF2627

Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits

Transcript Highlights:

• , consumers, and advocacy groups.
• Thank you. 2627 is designed to protect consumers 2627 is designed to protect consumers and<00:20:12.679
• </c> Protections in place and consumer Protections in place and consumer protections<00:31:58.039><c>
• </c><00:33:21.200><c> thank</c> great step in the right direction thank great step in the right direction
• </c><00:57:41.680><c> protection</c> animal welfare and consumer protection animal welfare and consumer

Bills: HF2543, HF2566, HF2627

Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits

Transcript Highlights:

• So if an employer is going through potentially certain stages, if the employer doesn't answer quickly
• And there's another one that there's a consumer-based where you're not dealing with your employer.
• from my employer.
• Or, if I did not have an employer participating in this program, there are consumer sites where you can
• that don't have an employer program.

Bills: SB1327, SB1372, SB1403, SB1937, SB277, SB2131, SB1749, SB1348, SB1469, SB2018, SB1931, SB1530, SB2155

Keywords: tourism, recreation, economic development, Oklahoma Commission, executive director, probation, credits, educational advancement, Oklahoma Statutes, criminal justice reform, job incentives, tax rebates, Oklahoma Quality Jobs Program, employment growth, wage requirements, labor organization, incentives, employer practices, union neutrality, worker rights

Transcript Highlights:

• And three, you protect employers' rights by disallowing neutrality agreements that restrain employer
• You have an employer-based earned wage access."
• And there's another one that is consumer-based where you're not dealing with your employer.
• Or if I did not have an employer participating in this program, there are consumer sites where you can
• "If I did not have an employer participating in this program, there are consumer sites where you can

Bills: SB1327, SB1372, SB1403, SB1937, SB277, SB2131, SB1749, SB1348, SB1469, SB2018, SB1931, SB1530, SB2155

Keywords: tourism, recreation, economic development, Oklahoma Commission, executive director, probation, credits, educational advancement, Oklahoma Statutes, criminal justice reform, job incentives, tax rebates, Oklahoma Quality Jobs Program, employment growth, wage requirements, labor organization, incentives, employer practices, union neutrality, worker rights

Summary: The committee heard and advanced a series of bills affecting tourism, workforce, economic incentives, labor policy, and housing. Senate Bill 1327 would restore the Oklahoma Tourism and Recreation Commission’s authority by removing language that made it only advisory and returning hiring/firing power over the executive director to the commission; it passed 10-0. Senate Bill 1403, an Incentive Evaluation Commission recommendation, would require rebate claims to be filed within one year and eliminate a statewide wage threshold for certain job-creation rebates; it also passed 10-0. Senate Bill 1937, the Taxpayer Dollars Protect Workers Act, would make employers in certain incentive programs preserve secret-ballot union elections, protect employee privacy, and bar neutrality agreements tied to incentives; after debate over labor rights and free-market concerns, it passed 8-2. The committee also advanced Senate Bill 277, a committee-substituted version of the Oklahoma State Paid Family Medical Leave Act. The author said the bill was still a work in progress, but the sub removed exigency and safe leave, narrowed family definitions to legal relationships, and reduced employer notice/signage requirements; it advanced 8-0 with title off. Senate Bill 2131 would require tourism facilities and reservation confirmations to provide information on made-in-Oklahoma products via QR code or printed card, and it passed 8-0. Senate Bill 1749 would let local propane dealers and LP gas installers perform certain food truck inspections, and it passed 8-0. Additional measures included Senate Bill 1348, which would give the Oklahoma Employment Security Commission enhanced anti-fraud and appeal authority; members raised concerns about broad discretion, but it passed 8-0. Senate Bill 1469 would regulate earned wage access products, including employer-based and consumer-based services, with fee caps and licensing; it passed 7-1. Senate Bill 2018 would require new multifamily residential rental construction of 20 units or more to be assessed at cost for the first two tax years, beginning with 2027 assessments, and it passed 7-1 after debate over tax impacts. Senate Bill 1931 would add three members to the Oklahoma Employment Security Commission and passed 6-2. Senate Bill 1530 would refine the research and development rebate program and add a 2% bump for projects involving higher education institutions, passing 8-0. Senate Bill 2155 would let the Route 66 Commission enter MOUs with other agencies to carry out its work, and it passed 8-0.

Transcript Highlights:

• If they continue to work past that, they would still be getting their check for employment.
• the pension system whole, we have made... ...to keep the pension system whole, we have made the employer
• still being paid into it, but they won't receive any benefits from any new contributions from the employer
• This bill affects the Oklahoma law enforcement employer retirement system.
• that newer recruits get the full pension as the older recruits, and those that stick with the OHP employment

Bills: HB1784, HB1245, HB1268, HB2116, HB2193, HB2206, HB1739, HB1889, HB1904, HB3172, HB4225, HB4352, HB3625, HB4263

Keywords: education reform, local control, student outcomes, curriculum changes, school funding, retirement, pension, public employees, Oklahoma Public Employees Retirement System, benefits, survivorship, contribution rates, disability retirement, deferred option plan, service credit, contributions, distributions, HB2116, Oklahoma Law Enforcement Retirement System, OLERS

Transcript Highlights:

• If they continue to work past that, they would still be getting their check for employment.
• If they continue to work past that, they would still be getting their check for employment.
• In other pension systems, to keep the pension system whole, we have made the employer continue to pay
• This bill affects the Oklahoma law enforcement employer retirement system.
• And those that stick with the OHP employment for their career will get the full retirement benefits.

Bills: HB1784, HB1245, HB1268, HB2116, HB2193, HB2206, HB1739, HB1889, HB1904, HB3172, HB4225, HB4352, HB3625, HB4263

Keywords: education reform, local control, student outcomes, curriculum changes, school funding, retirement, pension, public employees, Oklahoma Public Employees Retirement System, benefits, survivorship, contribution rates, disability retirement, deferred option plan, service credit, contributions, distributions, HB2116, Oklahoma Law Enforcement Retirement System, OLERS

Summary: The Banking, Financial Services and Pensions Committee heard a series of retirement, banking, and school finance bills after announcing that several measures would be laid over or sent back to Rules and that the committee would recess briefly because of quorum and scheduling conflicts. The chair also explained the committee’s OPLA/safe-harbor process for pension bills and noted that many of the measures would still need oversight and floor consideration. Among the bills advanced were HB 1245, allowing certain DHS CLEET-commissioned agents to join the law enforcement retirement system; HB 4352, helping people refinance homes or businesses while protecting lenders; HB 4263, giving certain retired teachers who go to work for CareerTech a choice between TRS and OPERS; HB 1268, creating a five-year DROP option for EMTs and county sheriffs in OPERS; HB 1739, reinstating a half-pay provision in the law enforcement retirement system for OHP recruitment and retention; HB 2116, expanding OLERS eligibility to certain Office of State Fire Marshal officers; HB 2206, allowing newly hired school resource officers into OLERS; HB 3625, expanding school district investment options; HB 1889, providing a catch-up COLA for older police and fire retirees; and HB 1784, requiring TRS’s assumed rate of return not fall below its past 20-year annualized return. HB 3172, the “Fair Banking Act,” would restrict adverse actions by very large financial institutions based on lawful economic activity and require explanations on request; members asked whether it would affect Oklahoma banks and whether it mirrored a presidential executive order. HB 2193 proposed a COLA for state retirement systems with caps on eligible benefits and salaries, and members raised concerns about differing actuarial estimates and the need for more work before oversight. Most bills were reported out by committee votes ranging from 8-0 to 4-3. The chair and members repeatedly noted that several measures, especially the pension bills, would need further work with actuaries and oversight committees. The meeting ended with a brief acknowledgment of committee staff and support personnel before adjournment.

Transcript Highlights:

• </c> consumer rights request within 45 days. consumer rights request within 45 days.
• </c> tell the consumer that. tell the consumer that.
• </c> businesses and consumers benefit. businesses and consumers benefit.
• </c> information out there to the consumers? information out there to the consumers?
• </c> direction things are moving in. direction things are moving in.

Bills: HF3794, HF3408

Keywords: surveillance, price discrimination, wage discrimination, automated decision systems, consumer protections, data privacy, biometrics, consumer protection, price setting, biometric data, retail, privacy, 1183, house

Transcript Highlights:

• This bill allows the employer to reduce the employee's wages for the time missed.
• So, it does protect the employer as well.
• And, again, this is not anti-employer.
• That is the reimbursement from TIFMAS to the employer.
• Those are used to cite employers for violating OSHA's rules.

Bills: HB446, HB1609, HB4443, HB4464, HB4735, HB5476

Keywords: heat illness prevention, workplace safety, Texas Workforce Commission, advisory board, employee rights, administrative penalties, training requirements, employee training, occupational health, employer penalties, worker rights, heat illness, volunteer firefighter, volunteer emergency responder, emergency medical services volunteer, EMS volunteer, firefighter, fire department, emergency services, declared disaster

Transcript Highlights:

• It also establishes student consumer protection-related requirements for institutions of higher education
• protections, or the Student Achievement Council's authority to investigate and enforce student consumer
• tribal reservation operated by a federally recognized Indian tribal government from the student consumer
• protections, or the Student Achievement Council's authority to investigate and reinforce student consumer
• about institutions granted an exemption from requirements that institutions have various student consumer

Bills: HB2438, HB2422, HB2525, HB2586, HB2427, HB2458, HB2474, HB2540, HB2589

Keywords: education, scholarship, early childhood, funding, higher education, early education, support, degree seekers, private security, security guard, armed security guard, security company, licensing fees, license renewal, endorsement fee, fingerprints, background check, workforce retention, low-wage workers, public safety

Transcript Highlights:

• House Bill 2102 moves us in a better direction.
• The scope of this bill also covers all employment law, and that's why we're here.
• Retail is the second largest private employer. law, and that's why we're here.
• vendors should not have direct access to data.
• The Driver Privacy Act is a strong step in the right direction.

Bills: HB2161, HB2332, HB2102

Keywords: attorney general, legal authority, state powers, judiciary, civil rights, driver privacy, data protection, personal information, surveillance, consumer rights, legal obligations, financial responsibility, debt management, consumer protection, court systems, 904, all

Transcript Highlights:

• And they do consume it.
• The bill allows health insurers to waive employer premiums for the employer who provides late notification
• The bill aims to protect consumers, but allows an employer who attempted to notify the health insurance
• of employment.
• both the employee and the employer.

Bills: SB95, SB268, SB493, SB619, SB660, SB922, SB984, SB1098, SB1188, SB1307, SB1332, SB1822

Keywords: immunization, written informed consent, civil liability, health care provider, vaccine compensation, administrative penalty, health care, licensing, complaint procedure, disciplinary action, law enforcement, pharmacy benefit manager, PBM, gag clause, prescription drug pricing, out-of-pocket cost, cash price, pharmacist, pharmacy, prescription drug benefit

Transcript Highlights:

• These organizations want direction. They want to know how to help.
• These organizations want direction. They want to know how to help.
• These organizations want direction. They want to know how to help.
• These organizations want direction. They want to know how to help.
• were in there saying we want direction.

Bills: HF3727, HF3684, HF3467

Keywords: veterans property tax, homestead exclusion, disabled veteran, totally and permanently disabled, service-connected disability, property tax relief, market value exclusion, surviving spouse, family caregiver, county veterans service officer, Minnesota property tax, assessment year 2027, homestead tax benefit, veterans tax exemption, DD214, VA disability rating, veterans, veterans affairs, Department of Veterans Affairs, grant standards

Transcript Highlights:

• Benefit plan issuers and employers.
• I just hope we wouldn't go that direction. Okay, members, questions?
• If companies overprice, consumers can go elsewhere. Don't change that in the market.
• of consumer satisfaction with the TDI.
• In fact, I think it goes the opposite direction a little bit. I'm not following that question.

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Transcript Highlights:

• about their website and some of their mission statement: harness economic power that can strengthen consumers
• businesses, and the marketplace to create a socially just and environmentally sustainable Society: consumers
• It increases the savings by slightly raising the employee and employer contributions.
• You know, what as far as like what's being contributed from both the employer and the employee?

Bills: HB3041, HB4428, HB4429, HB1064, HB3265, HB3721, HB3028, HB3313, HB3588, HB3020

Keywords: credit card transactions, payment methods, service charge, consumer rights, financial regulation, public finance, pension, pension fund, retirement system, board of trustees, proxy voting, proxy proposal, shareholder vote, shareholder activism, fiduciary duty, pecuniary factors, nonpecuniary factors, ESG, environmental social governance, social goals

Transcript Highlights:

• about their website and some of their mission statement: harness economic power, the strength of consumers
• Consumers are the pressure point for economic change. So we want to use our collective power.
• It increases the savings by slightly raising the employee and employer contributions.
• closer to the defined benefit percentage, you know, as far as what's being contributed from both the employer
• closer to the defined benefit percentage, you know, as far as what's being contributed from both the employer

Bills: HB3041, HB4428, HB4429, HB1064, HB3265, HB3721, HB3028, HB3313, HB3588, HB3020

Keywords: credit card transactions, payment methods, service charge, consumer rights, financial regulation, public finance, pension, pension fund, retirement system, board of trustees, proxy voting, proxy proposal, shareholder vote, shareholder activism, fiduciary duty, pecuniary factors, nonpecuniary factors, ESG, environmental social governance, social goals

Summary: The Banking, Financial Services and Pensions Committee met and announced that several bills would be laid over, including HB 4225 and HB 4263, while also noting that actuarial follow-up reports on prior referrals were still being revised. The committee then worked through a long agenda, with members frequently noting schedule conflicts and the chair alternating between bills and committee business. The meeting adjourned after the agenda was completed, with the chair saying the committee would return the following week with a longer agenda, likely including additional pension bills. Several bills related to payment processing and pension governance were heard and passed. HB 3041 would allow merchants to pass along credit card surcharges up to the amount charged by the card company, with the author noting some businesses face fees of 4% to 5%; it passed 9-0. HB 4428 and HB 4429, both dealing with shareholder proxy advisors for pension funds, passed 8-1 and 9-0 respectively; supporters said the bills would require fiduciary standards and transparency, while the speaker referenced opposition from GreenAmerica.org as evidence of the bill’s value. HB 3028, which lets technology center districts and public schools pass on credit card service fees, also passed 7-0. The committee also advanced several pension-related measures. HB 3265, requested by the Police Pension Board, defines who qualifies as a mental health specialist for disability evaluations; testimony explained the change would let the board use psychologists because psychiatrists are harder to contract with, and the bill passed 7-0. HB 3721 would adjust the DROP benefit for public safety officers so surviving spouses can claim it if the officer dies before electing the option; the author said it has no actuarial cost, and it passed 7-0. HB 3313, a defined contribution retirement bill, would raise contribution levels, eliminate vesting delays, and add retirement planning and lifetime income options; members questioned whether it would affect retention or other retirement plans, and it passed 8-0. Other bills addressed creditors, housing, and financial exploitation. HB 3588, a Uniform Law Commission request bill on assignment for the benefit of creditors, was described as codifying existing case law and passed 8-0. HB 1064, which would restrict large institutional investors from buying single-family homes in Oklahoma, was amended in concept during discussion to narrow the hedge fund definition and remove a resale requirement; supporters framed it as protecting homeownership, while opponents raised concerns about restricting sales and the evidence for housing impacts, and it passed 5-2. Finally, HB 3020, the Protections for Financial Exploitation of Protected Adults Act, would let financial institutions place temporary holds and act in good faith when they suspect fraud against vulnerable adults; members asked about training and safeguards, and it passed 9-0.

Transcript Highlights:

• Would this, generally speaking, overall, lower rates for consumers, raise rates for consumers, or would
• As a result of the use of scores, higher risk consumers pay higher premiums." ...and lower risk consumers
• . employers.
• it can hurt the consumer, right?
• This is a consumer choice. If you take this away, consumers will not have the option to have this.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury