Video & Transcript Research : 'consumer disclosure'
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TX
Transcript Highlights:
- Second, this bill provides more choice in how consumers interact with agents during a showing.
- Under our current laws, that agent who just met this consumer would have to represent them, even if the
- consumer does not want representation.
- Even if the consumer does not want representation, this bill would allow consumers to view that property
- We think what that will do, frankly, is just increase electricity prices on consumers.
Keywords:
electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency
Summary:
The committee first took up pending business and favorably reported several bills without objection or by recorded vote, including SB 783, SB 1238, SB 1706, SB 1791, SB 458, SB 1644, and SB 1810, with some of them also sent to the local and uncontested calendar. The committee then moved into hearings on additional bills.
SB 1968, by Senator Schwertner, would update the Real Estate License Act by repealing subagency, requiring written buyer-agent agreements before showings, and clarifying when a formal buyer representation agreement must be signed. Texas Realtors testified in support, saying the bill modernizes agency rules and increases transparency, while a committee substitute corrected drafting issues. SB 2411, the annual update to the Texas Business Organizations Code, was also laid out and left pending after supportive testimony from the Texas Business Law Foundation and drafting committee representatives.
The committee also heard SB 2321, which would codify ERCOT’s current practice of notifying TCEQ when backup generation needs enforcement discretion for grid reliability; Sierra Club and a chamber of commerce witness supported it with suggestions for clearer emissions reporting, and the bill was left pending. SB 2077 would broaden eligibility for the Texas Mutual Insurance Company board by narrowing conflict restrictions tied to insurance-related interests; Texas Mutual supported the change and the bill was left pending. SB 1405, a broadband bill, would align state law with FCC standards and streamline Broadband Development Office processes; it was left pending after supportive testimony. SB 1299, protecting nonprofit donor privacy, drew support from privacy advocates and concerns from one witness about transparency for publicly funded nonprofit operations; it was left pending.
The committee then heard SB 776, which would bar government construction contracts from shifting delay damages to contractors when delays are caused solely by the public owner. Contractors, surety representatives, and water infrastructure advocates supported the bill, arguing it would improve fairness and reduce inflated bids, while water utilities and critical infrastructure entities opposed it, warning of more litigation and higher costs; the bill was left pending. Finally, SB 715, which would apply reliability requirements retroactively to all generation resources in ERCOT, drew opposition from renewable and storage groups and support from some critics of renewable subsidies, with witnesses split over whether it would improve reliability or raise costs; testimony was underway when the transcript ended.
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Feb 10, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- part of their network, the consumer part of their network, the consumer would<00:14:48.720>
most - Thank you. with Office of Consumer Protection. Um, with Office of Consumer Protection.
- consumer protection. Thank you. consumer protection. Thank you.
- It protects consumer service in Hawaii.
- <00:50:32.720>
Uh relating to consumer protection. Uh relating to consumer protection.
Keywords:
licensing, professional license, individual taxpayer identification number, immigration, state residency, right to repair, wheelchairs, consumer protection, repair providers, device documentation, HB1753, Hawaii Social Media Data Deletion Act, social media, account deletion, data deletion, privacy, consumer privacy, personal information, sensitive personal information, data retention
Summary:
The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown.
The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information.
On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose.
The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.
FL
Transcript Highlights:
- The bill would align certain recordkeeping and disclosure requirements for foreign and alien insurers
- SB 712, cited as the Direct Sales Consumer Protection Act, creates a new section in Chapter 849 to prohibit
- but are not limited to fake or altered paystubs, fake Social Security numbers or synthetic IDs, consumer
- but are not limited to fake or altered paystubs, fake Social Security numbers or synthetic IDs, consumer
Keywords:
unauthorized aliens, commercial motor vehicles, safety regulations, civil penalties, law enforcement, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, pyramid schemes, consumer protection, fraud prevention, legal affairs, penalties, justice, administrative commission, membership, state attorneys, public defenders
Summary:
The committee met with a quorum present and took up a series of bills, beginning with SB 1300 on education and workforce development for current and former inmates. Senator Claudio explained that the bill is intended to expand collaboration between the Department of Transportation and the Department of Corrections to provide training opportunities tied to Florida’s need for CDL drivers. The bill was reported favorably without debate.
Members then considered SB 896 on campus safety, as amended by strike-all and late-filed amendment. The bill would require postsecondary institutions to adopt active assailant response plans, conduct security risk assessments, improve threat reporting and information sharing, and allow voluntary participation in the guardian program; the late-filed amendment removed a prohibition on guardians wearing uniforms. After questions about the firearm-discharge provision near campuses and testimony both for and against, the committee reported the bill favorably. The committee also reported favorably SB 86 on commercial motor vehicles operated by unauthorized aliens, SB 642 on foreign and alien bail bond insurers, and confirmed appointees listed on tabs 10 through 19.
The committee next heard SB 712 on pyramid promotional schemes, which would create a new prohibition and increase penalties while preserving legitimate direct sales plans. Members raised concerns about whether participants in such schemes might themselves be victims, and the sponsor said prosecutorial discretion would distinguish victims from primary wrongdoers; the bill was reported favorably. SB 1224 on rental housing application fraud was also amended and reported favorably after testimony from apartment and realtor groups in support.
In the latter part of the meeting, Chair Martin presented SB 1370 to expand habitual traffic offender status to repeated unlicensed driving, and SB 1712 to create a statewide FDLE counterintelligence and counterterrorism unit. SB 1370 was reported favorably unanimously. SB 1712 drew extensive questioning and public opposition over concerns about broad language, surveillance, and possible impacts on speech and protest, but the sponsor said the unit would focus on protecting the state from adversary intelligence threats and operate within constitutional limits; it was reported favorably. Finally, SB 758 on the Justice Administrative Commission was amended to adjust commission membership and reported favorably unanimously. The committee then recorded additional votes for members and adjourned.
AL
Alabama 2025 Regular Session
Alabama House Ethics and Campaign Finance Committee Feb 19th, 2025
Ethics and Campaign Finance
Transcript Highlights:
- Would it be beneficial for them to have that information, their economic disclosures, before the election
- Well, the reason for the disclosures is so that...
- The reason for the disclosures is so that individuals have an understanding of the economic conflicts
Bills:
HB250
Keywords:
HB250, Alabama Ethics Commission, statement of economic interests, financial disclosure, candidate ethics, campaign finance, candidate filing deadline, qualifying papers, declaration of candidacy, independent candidate, ballot access, election law, ethics reform, public officials, public employees, asset disclosure, income disclosure, real estate holdings, indebtedness disclosure, late filing penalty
TX
Transcript Highlights:
- Again, these agents, their number one responsibility is to that client, to the consumer, and we lose
- They're your liaison to that consumer, that the agent is, and there are better ways to work situations
- These mandatory disclosures apply only to health care insurance determinations.
- We are... ...representing providers and consumers of Applied Behavior Analysis services here in the state
- Senate Bill 1307, Section 107, consolidates the complicated topic of health insurance into a consumable
Keywords:
autism, health insurance, coverage, medical treatment, health benefit plan, HIV prevention, prescription drug, prior authorization, health benefits, insurance coverage, insurance, contract termination, property and casualty, insurance agents, discrimination, appraiser, umpire, licensing requirements, continuing education, admin penalties
LA
Keywords:
home inspectors, board membership, licensing, term limits, Louisiana State Board, utility, reimbursement, overcharges, consumer protection, economic relief, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, unfair trade practices, advertising disclosures, total price, service fees
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/18/26
Commerce Finance and Policy
Transcript Highlights:
- Um, there are also three disclosure pieces added in under the bylaws, disclosure and resale regarding
- disclosure pieces added in under the bylaws,<00:04:18.079>
disclosure <00:04:18.560>and - harm consumers. harm consumers.
- result in higher prices for consumers. result in higher prices for consumers.
- . consumers. consumers.
Keywords:
common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2025-03-27
Commerce Finance and Policy
Transcript Highlights:
- My example would be seven and a half percent, and that's not uncommon for the protection of consumers
- Think about a consumer-to-consumer versus consumer-to-business or business-to-business.
- When it's entity to consumer, the consumer is at a disadvantage, and so that's where the loans that are
- is not pointed to anybody in particular, but when people do experience something, and they're a consumer
- And that's been a challenge, you know, as we've added disclosures on insurers for years to get people
Keywords:
financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate
AL
Alabama 2026 1st Special Session
Alabama Senate Agriculture, Conservation, and Forestry Committee Apr 1st, 2026
Agriculture, Conservation and Forestry
Keywords:
HB444, vaccines, vaccine exemption, religious exemption, religious liberty, private school, church school, faith-based school, parochial school, school immunization, testing requirement, disease testing, parental rights, school enrollment, attendance requirements, CHOOSE Act, school choice, education funding, tax exemption, corporate income tax
HI
Bills:
SB2444, SB2446, SB2450, SB2453, SB2461, SB2457, SB2462, SB2313, SB2528, SB2532, SB2571, SB2678, SB2529
Keywords:
real property, exemption, attachment, execution, consumer protection, financial security, inflation adjustment, head of family, senior citizens, Intermediate Court of Appeals, judges, Hawaii judiciary, court membership, legal system, presidential preference primary, elections, political parties, Hawaii voting, 2028 election, voting
Summary:
The Judiciary Committee heard testimony on several bills. SB 2444 would raise the real property exemption amount for attachment or execution, which the Attorney General said could create vague retroactivity language and litigation risk; the committee noted the exemption had last been adjusted around 1978. SB 2446 would add a seventh associate judge to the Intermediate Court of Appeals. Judiciary staff testified in opposition, saying recent internal restructuring and a pending vacancy had improved output and that it would be prudent to wait and see the effect before adding another judge. The Public Defender supported the goal of faster appellate resolution but said it would defer to the court’s assessment and had no objection to revisiting the issue later. The committee also discussed current appellate timelines, with staff saying at least 225 days is built into the process before a case reaches a merit panel, and that a two-year delay from panel assignment was realistic under the current structure.
The committee then heard SB 2450, which would establish a presidential preference primary for the 2028 cycle. The Chief Election Officer said the election would cost about $4 million, less if combined with the regular primary. Several opponents argued the bill would add bureaucracy, duplicate or undermine party-run processes, and waste taxpayer money; one speaker estimated the total cost could be closer to $6 million when county costs are included. Supporters and committee members discussed that the measure would not require parties to use the results and that Hawaii remains one of the few states still using caucuses. The committee also asked whether counties could staff the election and whether the results would be useful given Hawaii’s current primary timing.
SB 2453 would require the Office of Elections to include a notice with each ballot that a digital and printed voter information guide is available, with the notice in 32-point font as a separate insert. The Chief Election Officer said the insert would cost about $90,000 and asked for an effective date of January 1, 2027 because mailing preparations for the primary would already be underway. The Disability and Communications Access Board, League of Women Voters, National Federation of the Blind of Hawaii, and others supported the bill. The committee also began hearing SB 2461, which would have the Office of Elections prepare a questionnaire for candidates and publish responses online and in the voter guide; the Chief Election Officer said the office did not think it should be the agency to shape campaign questions, though he said it could work if the questions were specified in statute.
Finally, the committee heard SB 2457, which would require a criminal conviction before seized property could be forfeited. The Attorney General and Honolulu Police Department opposed the bill, arguing it would prolong cases, increase storage costs, and make forfeiture less effective against crime, especially where owners flee, die, or hide assets through shell companies. The Public Defender strongly supported the measure, saying forfeiture should be tied to convictions and that people challenging forfeiture often lack counsel. The Honolulu Prosecutor also opposed the bill, but said it supported transparency, due process, and even a right to counsel; it argued conviction-only forfeiture would fail in cases involving fugitives, deceased suspects, or hidden ownership structures. The committee questioned what would happen to property if an owner could not be found, and the prosecutor said the outcome would depend on the type of property and could involve abandonment or interpleader proceedings.
MN
Keywords:
omnibus, state government, local government, elections, campaign finance, voter registration, absentee voting, election administration, electronic rosters, lobbying, lobbyist disclosure, state budget, appropriations, biennial budget, Minnesota Secretary of State, Minnesota Management and Budget, state personnel, civil service, affirmative action, disability employment
HI
Transcript Highlights:
- requires operators of conversational artificial intelligence services in the state to issue certain disclosures
- 00:04:14.400>
to <00:04:14.560>issue <00:04:14.799>certain <00:04:15.120>disclosures - <00:04:15.599>
to state to issue certain disclosures to state to issue certain disclosures
Keywords:
foreign influence, campaign finance, contributions, state elections, transparency, election integrity, criminal offense, natural resources, tree protection, state property, environment, land use, boundary amendment, administrative fines, Land Use Commission, infrastructure compliance, highway safety, driver's license, administrative revocation, alcohol-related offenses
Summary:
The Judiciary Committee met in decision-making only session and considered several Senate bills, generally following recommendations to pass measures with or without amendments. SB 2981 would prohibit minimum off-street parking requirements for new development in urban districts and was adopted unamended, with Senator Awa voting no. SB 2982, which bars foreign entities and foreign-influence business entities from making election-related contributions or expenditures, was adopted with an amendment adopting Attorney General language for required advertisement statements.
The committee also advanced SB 2983, creating a misdemeanor offense for criminal destruction of a tree on state or county property; one member opposed it, suggesting a replanting requirement would be a better environmental remedy, but the bill was still adopted unamended. SB 2986, concerning Land Use Commission authority to amend or revise district boundary amendment decisions when conditions are not met, passed with an amendment addressing a defective effective date. SB 2991, on driver’s license revocations for certain alcohol-related offenses and re-examination requirements, passed with amendments clarifying revocation orders and re-examination procedures.
Members then approved SB 3001, which regulates conversational artificial intelligence services by requiring disclosures and protocols to prevent suicidal ideation, with amendments incorporating AG and OCP recommendations, including a personal data definition and broader data minimization language. SB 3010, allowing officials and in some cases private citizens to enter unattended vehicles to protect endangered pet animals, passed with amendments. The committee also adopted SB 3014 on higher fines for taking or harassing protected turtles, SB 3032 clarifying beach and marine deposit prohibitions, and SB 3033 allowing petitions to review beach structure integrity despite a bad effective date; Senator Awa again voted no on SB 3033. The meeting adjourned after the committee noted a later joint hearing with Ways and Means.
TX
Texas 89th Regular
Senate Committee on Health and Human Services Mar 18th, 2025
Health & Human Services
Transcript Highlights:
- It's really about transparency and disclosure.
- Leading to this, you're just saying transparency; you have to be full disclosure.
- ...And will those costs be passed on to health care consumers?
- And they do consume it.
- We still don't have full disclosure of the effects of this proposed vaccine.
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
LA
Keywords:
transfer on death, TOD, beneficiary designation, investment accounts, brokerage accounts, securities, nonprobate transfer, estate planning, succession, probate, community property, forced heirship, financial advisor, broker-dealer, custodian, transfer agent, banking, wealth transfer, inheritance, Louisiana Revised Statutes
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/27/25
Commerce Finance and Policy
Transcript Highlights:
- And that's not uncommon for the protection of consumers.
- Think about a consumer-to-consumer versus consumer-to-business or business-to-business.
- When it's entity-to-consumer, the consumer is at a disadvantage.
- Think about a consumer-to-consumer versus consumer-to-business or business-to-business.
- When it's entity-to-consumer, the consumer is at a disadvantage.
Keywords:
financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/24/26
Commerce Finance and Policy
Transcript Highlights:
- consumer protection bill. consumer protection bill.
- which directly addresses the consumer which directly addresses the consumer protection<00:18:47.280
- Thank you very much for your consideration. the very consumers that it seeks to the very consumers that
- /c><00:47:47.599>
due transparency and disclosure and due transparency and disclosure and due - just say this is a good consumer just say this is a good consumer protection<01:38:20.880>
bill
Keywords:
common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan
TX
Bills:
HB 12, HB 149, SB 229, SB 1361, SB 1749, SB 1897, SB 2113, SB 2566, SB 2677, SB 1652, SB 2327, SB 2344, SB 2696
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing
MN
Transcript Highlights:
- In that time, the value of property and homesteads has increased greatly according to the Consumer Price
- 01:14:04.920>
according <01:14:05.239>to <01:14:05.400>the <01:14:05.560>Consumer - <01:14:06.040>
Price greatly according to the Consumer Price greatly according to the Consumer
Keywords:
HF169, Minnesota insurance, health plan, summary of benefits and coverage, SBC, patient assistance program, deductible, health insurer, consumer disclosure, out-of-pocket costs, medical assistance funds, copay assistance, health coverage transparency, chapter 62Q, enrollee, HF195, Fairmont, street reconstruction, bonding bill, capital investment
TX
Transcript Highlights:
- something that might cause your property tax bill to be less, but then your valuation goes way up and it consumes
- hold as true no matter what anybody says. because of literally how we were raised, what things we consumed
- Dutton if that wasn't clear enough. but I think it should be more reader-friendly for the public to consume
Bills:
HB 1181, HB3704, HB1363, HB1610, HB1615, HB1620, HB3223, HB1317, HB2884, HB2176, HB4027, HB1664, HB933, HB2613, HB3353, HB2086, HB4101, HB3441, HB4145, HB3455
Keywords:
judiciary, judges, justices, retired, legal assignments, judicial conduct, notary public, criminal offense, education requirements, official documents, record retention, implicit bias, bias training, judicial training, judge education, court personnel, continuing legal education, CLE, state bar, Texas Court of Criminal Appeals
TX
Transcript Highlights:
- They actively... advertise their products through sophisticated multimedia campaigns, targeting consumers
- This liability exemption undermines consumer individuals with limited recourse, relying solely on the
- I urge you to support this bill to protect consumers, promote transparency, and promote transparency,
- We appreciate Chairman Anchia's dedication to fighting fraud and creating strong consumer protections
- Full disclosure, my family owned a funeral home, and I'm a shareholder in one.
Bills:
HB 1181, HB3704, HB1363, HB1610, HB1615, HB1620, HB3223, HB1317, HB2884, HB2176, HB4027, HB1664, HB933, HB2613, HB3353, HB2086, HB4101, HB3441, HB4145, HB3455
Keywords:
judiciary, judges, justices, retired, legal assignments, judicial conduct, notary public, criminal offense, education requirements, official documents, record retention, implicit bias, bias training, judicial training, judge education, court personnel, continuing legal education, CLE, state bar, Texas Court of Criminal Appeals