Transcript Highlights:

• There was still water on the landing from water that came into our building during the storm, and there
• So, they have this framework where the laws regulate how you collect data, protect data, and sell data
• </c><00:50:28.520><c> how</c><00:50:28.640><c> you</c> show I mean they regulate how you show I mean
• they regulate how you collect<00:50:29.120><c> data,</c><00:50:29.400><c> protect</c><00:50:29.800><c
• Um, we recognize that there's currently no statute in HRS that regulates chatbots or conversational AI

Bills: SB2433 , SB2047 , SB2425 , SB3045 , SB2761 , SB3001 , SB2852 , SB2471

Committee: House Consumer Protection & Commerce

Keywords: condominium governance, education trust fund, unit owners, real estate, dispute resolution, financial obligations, community representation, pharmacy benefit managers, maximum allowable cost, transparency, drug pricing, insurance commissioner, contracting pharmacies, healthcare, substance use disorder, SUD, addiction treatment, behavioral health, mental health, rehabilitation

Summary: The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion. The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown. Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing. Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.

Transcript Highlights:

• Chairman, your Committee on Natural Resources, Energy and Water has had consideration of Senate Bill
• And this one concerns me because it has preempted cities or towns from regulating the pricing.
• They help trucking companies meet state and federal safety regulations.
• We regulate each other.
• This bill doesn't regulate charters. Thank you again to my colleague from District 4.

Summary: The House convened, completed roll call, approved the journal, and took up several Senate bills and one Senate concurrent resolution through motions to reconsider, return bills for reconsideration, and refer measures to additional Committee of the Whole sessions for further amendment. Early actions included returning SB 1175 and SB 1198 to the Senate for reconsideration, rescinding passage of SB 1336 so it could be reconsidered, and referring SB 1111 and SB 152 to an additional COW. The House also recognized Representative Travers for a personal privilege statement honoring National Women Veterans Recognition Day and recorded attendance. In Committee of the Whole, members adopted floor amendments and recommended passage for SB 1511, SB 1552, SB 1198, SB 1110, SB 1618, SB 1431, and SCR 1004, with some debate on SB 1110’s home-confinement/reentry program, SB 1618’s Military Affairs Commission changes, and SB 1431’s city and town authority over residential project standards and streetscapes. The House later adopted the COW reports and moved the measures to engrossing or third reading as appropriate. SB 1336 and SB 1519 were also advanced from committee, while SB 1004 was reconsidered and ultimately failed on reconsideration. On third or final reading, the House passed SB 1127, SB 1180, SB 1428, SB 1198, SB 1336, SB 1511, SCR 1004, SB 1552, HB 2104, HB 2105, HB 2114, HB 2311, HB 2729, and HB 4117. SB 1687, SB 1004, SB 1519, and SB 1502 failed. Members explained votes on several measures, including support for tax administration clarity in SB 1180, objections and support for the May primary proposal in SB 1687, concerns about sex offender monitoring in SB 1004, support for the Arizona Beef Council in SB 1198, and debate over the photo enforcement referral in SCR 1004. The session also included recesses for caucuses, lunch, and dinner, plus a brief technical outage of the live stream.

Transcript Highlights:

• Senate Bill 65, an act relating to deficient administrative regulations and declaring an emergency.
• </c><02:04:56.239><c> Um</c><02:04:56.639><c> then</c> comply with federal regulations.
• Um then comply with federal regulations.
• 45.519><c> many</c><02:19:45.679><c> times</c><02:19:45.840><c> he's</c><02:19:46.080><c> come</c> water
• leak, or how many times he's come water leak, or how many times he's come to<02:19:46.559><c> Frankfurt

Bills: SB141 , SB124 , SB56 , SJR116 , SB94 , SB37 , SB127 , SB197 , SB66 , SB70 , SB133 , SB160 , SB214 , SB312 , SB52 , SJR62 , SJR75

Keywords: legal advertisements, tax rates, public hearings, transparency, local government, sick leave, education, teacher retirement, benefits, employee compensation, Medicaid, nonopioid analgesics, pain management, health care regulation, utilization controls, physician shortage, health care access, medically underserved areas, medical education, workforce development

Transcript Highlights:

• respects consumer choice and the exercising of our freedoms, not a federal government that seeks to regulate
• That's why we're putting forth H.R. 556, which would tear down regulations that have dictated how men
• steps that can be taken right now to increase production and lower prices in California by easing regulations
• lower prices in California<06:14:06.240><c> by</c><06:14:06.480><c> easing</c><06:14:06.958><c> regulations
• </c><06:14:07.680><c> by</c> California by easing regulations by California by easing regulations by

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, March 17, 2026, 1012, house, all

Transcript Highlights:

• </c> municipal and county regulations? municipal and county regulations?
• regulations regulations to<01:06:17.440><c> that</c><01:06:18.079><c> that</c><01:06:18.400><c> load
• </c><02:13:59.440><c> supplies</c> emergency services, water supplies emergency services, water supplies
• find no federal law that actually regulates it.
• I could find no federal law that actually regulates it.

Committee: House Election Law

Keywords: 1189, house, all

Transcript Highlights:

• Madam Chair, Assembly Bill 2406 requires the Department of Environmental Protection to regulate scrap
• And DEP pointed out that they do not regulate scrap metal processors.
• They regulate solid waste facilities. So then we came to the second bill, A. 2406. Bill 2406.
• Our ban was based on the state having the right to regulate professions.
• Is it hot water? You know, how's the property heated?

Keywords: 1146, all

Transcript Highlights:

• for workers and businesses, we should not layer on additional burdensome cost requirements and regulations
• Chair of the San Francisco Soil and Water Conservation District.
• We cannot go on with more taxes and regulations on top of the agriculture community.
• the way our UI fund is. differences in this fund because it wouldn't be federally regulated the way
• And state regulation will also pose harmful challenges to economic growth and job creation.

Committee: House House Health & Human Services

Transcript Highlights:

• It's well regulated a very good thing.
• All right, we have regulations to go over really quickly before we end.
• While the intent of the administrative regulation is very much appreciated, the regulation shows that
• You know, the regulation today is very... You know, the regulation today is very important.
• At this point, we have reviewed these administrative regulations.

Keywords: 1. Call to Order and Roll Call – 00:00:24 2. Discussion of The Center for Courageous Kids – 00:02:46 3. Discussion of Adult Protective Services and State Guardianship Programs – 00:25:22 4. Discussion of Annual Report of the External Child Fatality and Near Fatality Review Panel – 01:00:34 5. Consideration of Referred Administrative Regulations – 01:33:41 6. Adjournment – 01:42:07, 958, all

Summary: The committee’s first interim meeting opened with roll call and a reminder that Kentucky had 8,641 children in out-of-home care with active placements as of June 1, 2025. The first presentation was from the Center for Courageous Kids (CCK), a donor-funded camp in Scottsville that serves children with lifelong illnesses and disabilities at no charge. Representatives described the camp’s history, its year-round family retreats and summer sessions, its medical and accessibility supports, and its impact on campers’ confidence and independence. They said CCK has served more than 43,000 campers from 46 states and 13 countries, including 22,000 from Kentucky, and noted plans to reach all 120 Kentucky counties. CCK also outlined future capital needs: a new art barn and a medical lodge. The organization said the art barn project would cost $2.5 million, with a legislative request of $1.5 million, and the medical lodge would cost $2.875 million, with a legislative request of $1.75 million. Members responded very positively, with several praising the camp’s work and one member asking about operational challenges. CCK said its main challenges are awareness, staff and volunteer recruitment, and expanding medical and housing capacity; it also said it is accredited by the American Camp Association and receives health and safety visits and audits. The committee then moved to a presentation on adult protective services and state guardianship programs from Jessica Wayne and Cliff Bryant of DCBS. They explained the legal framework for guardianship, the difference between full and limited guardianship/conservatorship, emergency appointments, and the state’s role as a last-resort guardian when no family member or private entity is available. They reported 4,464 individuals under state guardianship as of June 1, with most cases involving dementia, developmental disability, intellectual disability, nursing home or long-term care placement, severe mental illness, or brain injury. They also said the division has 89 field workers across 14 regional offices, with an average caseload of 52 and a goal of reducing that into the mid-40s through additional hiring.

Transcript Highlights:

• Unfortunately, the state has regulated manufacturer-dealer relationships quite extensively.
• And then, you know, they've passed these bills where they said, well, we regulated the bad guy.
• We're going to regulate sugar now, too.
• I understand the need for safety and regulations.
• Do I think it needs to be regulated? Yes. I don't want it to be at the gas station.

Committee: House Emerging Issues and Professional Registration

Summary: The committee first met in executive session and adopted House Committee Substitutes, then passed several bills by roll call vote. HCS for House Bills 1746 and 1769 was adopted and then voted do pass by 10-0. HCS for House Bill 3005 was adopted and passed 10-0 after the sponsor explained it removed a sentence requiring specific local review boards in library appeals processes. HCS for House Bills 1717 and 1643, dealing with alternative therapies, passed 7-2 with two present. HCS for House Bills 2817 and 2961 passed 8-1 with two present. HCS for House Bills 2035 and 2350 passed 10-0 with one present after a brief question about statutory citations. HCS for House Bills 1887, 2361, 1913, 2862, and 2321, a combined bill package, also passed 10-0 after members discussed digital depiction language and written victim request provisions. The committee then held a public hearing on House Bill 1914, which would change Missouri’s franchise law on warranty and recall reimbursement for auto dealers. Rep. David Castile presented the bill as a fairness measure, arguing manufacturers should pay dealers market-rate labor and parts reimbursement and that current warranty work often loses money for dealers and hurts service access. Supporters, including several dealers and technicians, said manufacturer time guides underpay warranty work, that the bill would help retain technicians, and that current appeal processes are cumbersome and time-consuming. They described large gaps between warranty and customer-pay labor times and said technicians often invest heavily in tools and training. Opponents, including the Alliance for Automotive Innovation, Toyota, General Motors, Ford, and business groups, argued the bill would raise costs for consumers, amount to a large increase in dealer compensation, and interfere with existing contracts. They said manufacturers already provide a process for requesting additional time, that most requests are approved, and that warranty work remains a profitable captive source of business for dealers. Several witnesses also argued the bill would not directly raise technician wages because technicians are employed by dealers, not manufacturers, and suggested broader competition or allowing independent repair shops instead. The hearing featured extensive questioning about recall versus warranty work, labor time guides, documentation requirements, and whether the legislature should be involved in these franchise disputes.

Transcript Highlights:

• It simply allows the local government the ability to regulate them.
• It simply just allows the local government the ability to regulate them.
• and do regulate, what typically do they do?
• What restrictions or regulations do they put in place?
• It regulates treatment and assessment of sex offenders. We issue licenses.

Bills: HB240 , HB2097 , HB2731 , HB3087 , HB3234 , HB3319 , HB3394 , HB3687 , HB4105 , HB4205 , HB4350 , HB4462 , HB4642 , HB4801 , HB5403

Committee: House S/C on County & Regional Government

Keywords: quorum, tax levy, county governance, local government, population regulations, quorum requirement, Texas counties, population threshold, deputy sheriff, civil service, law enforcement, appeals process, sheriff's department, HB 2731, roadside vendors, solicitors, county regulation, border counties, Mexico border, Transportation Code

Summary: The subcommittee on county and regional government heard a long agenda of county-related bills, with most measures left pending after testimony. HB 2097, by Rep. Martinez, would let counties that opt in use an independent hearing examiner instead of a civil service commission for certain deputy sheriff discipline appeals; the bill drew support from CLEET’s Robert Leonard, who said it would be fairer and faster, and it was left pending. HB 4642, by Rep. Gonzalez, would require counties that contract with out-of-state jail facilities to include Texas jail-standard protections and oversight; Gonzalez, detainee Jess Hampton, his wife, Texas Jail Project’s Krish Kundu, and TCJS director Brandon Wood all discussed deaths and poor conditions in Louisiana facilities, staffing shortages, and the need for guardrails and data collection. The bill was left pending. The committee also heard HB 4350, by Rep. Capriglione, allowing peace officers to request redaction of personal information from online real property records. Supporters said officers face targeted threats and should have protections similar to judges; a title industry witness warned about preserving the integrity of land records. The bill was left pending. HB 3687, by Rep. Harless, would require county fire marshals in counties over 100,000 to meet training and certification standards within set timeframes; Harris County Fire Marshal Laurie Christensen supported professionalization, and the bill was left pending. HB 4105 would let very large counties give a local-bid preference for construction and infrastructure contracts, and HB 4205 would require pay parity for similar law enforcement ranks within large counties; both were supported by Harris County officials and constables and left pending. Later, the committee heard HB 5403, which would repeal a special rule limiting Dallas and Tarrant county sheriffs’ control over commissary funds; the author said it would remove an outdated population bracket, and the bill was left pending. HB 4462 would require large counties to allow elected officials named in civil suits to seek outside counsel and have a role in settlement decisions; supporters argued county attorneys and commissioners court can have conflicts of interest, while questions focused on who qualifies and whether the bill could complicate settlements. The bill was left pending. Finally, HB 240, by Rep. Swanson, would restore a five-member quorum requirement for Harris County tax levies, effectively preventing tax action without all commissioners present and defaulting to the no-new-revenue rate if quorum is not met; urban counties opposed it as a potential budget obstruction, while supporters said it protects taxpayers and representation. That bill was also left pending. The transcript ends as the committee begins HB 3319, which would create a civil service system for constable department employees in large counties, but the discussion is cut off before testimony or action.

Transcript Highlights:

• And also the superintendent of public instruction may also issue regulations and guidance, so anything
• To clarify that, and also the superintendent of public instruction may also issue regulations and guidance
• Not to muddy the waters anymore, but based on Senator Klein's discussion here, there's a... you have

Committee: Joint Legislative Management

Summary: The Legislative Management Committee met to fill a vacancy created by Representative Jared Hagert’s resignation, and the House majority recommended Representative Berg to replace him on the committee. The motion to appoint Berg was approved unanimously. The committee then took up its assigned task of estimating the fiscal impact of Initiated Constitutional Measure No. 3, the school meals measure, which would require public schools, and optionally nonpublic and tribal schools, to provide breakfast and lunch at no cost to students and reimburse schools through state funds after federal reimbursements are maximized. Legislative Council’s Liz Fordall summarized the measure’s requirements and answered questions about implementation, including the 2027-28 start date, the measure’s interaction with the Legacy Earnings Fund, and the fact that the Legislature would still control the funding source. DPI’s Linnell Johnson then testified at length on current school meal programs, direct certification, CEP and Provision 2 participation, and likely behavioral changes if the measure passed. She estimated the biennial fiscal impact at $124 million to $134 million, with an additional roughly $300,000 in administrative costs, and explained that the estimate assumed higher participation and some schools shifting to CEP/Provision 2 to preserve federal reimbursements. She also noted that if no new applications were filed in non-CEP schools, the cost could be substantially higher. After discussion, Senator Sorvaag moved to report a fiscal impact range of $124,300,000 to $134,300,000 per biennium to the Secretary of State, and the motion carried. The committee also received an informational update from Legislative Council attorney Dustin Richard on the ongoing redistricting litigation, explaining that the U.S. Supreme Court vacated the Eighth Circuit’s prior ruling and remanded the case for further consideration in light of Louisiana v. Callais, leaving the court-imposed map in effect for now. No action was required on that item, and the meeting adjourned after a brief note that the prior minutes would be brought back at a later meeting.

Transcript Highlights:

• front of you today are three rules dockets, all brought forward through the Governor's zero-based regulation
• front of you today are three rules dockets, all brought forward through the Governor's zero-based regulation
• proposed fee caps, being recommended to address the rising service, maintenance, electricity, and water

Committee: Senate Resources and Environment

Keywords: 989, all

Transcript Highlights:

• Would it be the water? Which things should we not do? What bill shouldn't we pay?
• Would that surprise you to know that there are actually different regulations for those two entities?
• Would that surprise you to know that there are actually different regulations for those two entities?

Bills: HB3622 , HB3621 , HB3151 , HB3882 , HB3661 , HB4273 , HB3644 , HB3706 , HB3708 , HB2021 , HB3986 , HB3972

Committee: House Appropriations and Budget

Keywords: HB3622, 2030 Census, Decennial Census, U.S. Decennial Census Revolving Fund, Oklahoma Department of Commerce, Commerce Department, census preparation, federal census, state treasury fund, revolving fund, continuing fund, deemed appropriated, technology upgrades, census outreach, redistricting, population count, Title 74, OMES, State Treasurer, budgeting

Transcript Highlights:

• It does not mean that we can't meet the requirements of that regulation by Ecology.
• That trend line does not mean that we can't meet the requirements of that regulation by Ecology going
• programmatic environmental impact statement: we're talking about natural environmental resources such as air, water

Summary: The Senate Transportation Committee held a work session on electric vehicles, renewable fuels, hydrogen, and related transportation investments, followed by public hearings on several bills. Agency presenters from WSDOT, Commerce, and Ecology described the Electric Vehicle Coordinating Council’s work, Washington’s slowing EV adoption growth, charging infrastructure gaps, and programs such as NEVI, ZEVIP, and a new medium- and heavy-duty incentive program. Members asked about fast-charging standards and whether higher-capacity chargers could be supported. Commerce also outlined renewable fuels and sustainable aviation fuel efforts, including the Office of Renewable Fuels, hydrogen and SAF modeling, technical assistance, and the Cascadia Sustainable Aviation Accelerator’s partnerships and funding. WSDOT then discussed hydrogen investments in transit, aviation, backup power, and corridor planning, while Ecology explained the alternative jet fuel programmatic environmental impact statement, its scope, timeline, and how it will support future project review. In the public hearing on Substitute House Bill 2114, the committee heard testimony supporting a no-fee replacement process for defective license plates within two years of issuance, with optional fee waivers later; the sponsor and county auditors said peeling or unreadable plates are a real customer-service problem, especially in eastern Washington. The hearing on House Bill 2111 concerned allowing the I-5 Bridge Replacement Project toll facility bond retirement account to keep its interest earnings instead of sending them to the general fund; the prime sponsor said it is a straightforward fix requested by the state treasurer. Substitute House Bill 1823 would update Transportation Improvement Board statutes by replacing “non-motorized” with “active transportation” and removing obsolete references; TIB said it is a cleanup bill that aligns statutes with current grant practices and complete streets policy. The committee also heard House Bill 2495, which would let the City of Seattle direct immediate impoundment of unattended vehicles blocking streetcar operations, similar to existing authority for Sound Transit. Seattle’s streetcar manager said blocked tracks cause frequent delays and that the bill would reduce waits for police authorization and restore service faster. Public testimony and sign-in counts were noted for each bill, but no votes were taken in the transcript, and the meeting concluded after the final public hearing.

Transcript Highlights:

• We adhere to all of the rules and regulations and work very closely with our tribal partners.
• Who knows where we'll be watered down in the next year?
• Is this through RLD, Regulation Licensing Department Division. Who oversees this particular entity?

Committee: Senate Senate Health & Public Affairs

Keywords: 996, all

Transcript Highlights:

• And so the Tobacco Control Act granted the FDA the power to regulate these e-cigarettes.
• The manufacturer is in compliance with federal regulations and state laws.
• </c> granted the FDA the power to regulate granted the FDA the power to regulate these<02:56:35.279><
• </c><02:58:50.640><c> And</c><02:58:50.800><c> as</c> regulation for tobacco products.
• And as regulation for tobacco products.

Committee: House Judiciary & Hawaiian Affairs

Keywords: 910, house, all

Summary: The House Committee on Judiciary and Hawaiian Affairs heard testimony on two immigration-enforcement bills: HB 1886 HD1 and HB 2540 HD1. HB 1886 would limit state and federal collaboration in immigration enforcement, require visible identification and restrictions on facial coverings for law enforcement officers, and create offenses for improper masking, lack of identification, and unauthorized civil immigration interrogation, arrest, or detention. HB 2540 would also limit state and federal collaboration, require law enforcement agencies to adopt and publicly post written civil immigration enforcement policies, prohibit stops or arrests based solely on immigration status, and restrict state and county participation in civil immigration enforcement in certain places. Most testimony supported both measures. The Office of Hawaiian Affairs, the Office of the Public Defender, the ACLU of Hawaii, the Hawaii Coalition for Immigrant Rights, the Legal Clinic, and several private individuals said the bills would increase transparency, accountability, and community trust, and would help protect constitutional rights and reduce fear among immigrants and other community members. Several testifiers emphasized Hawaii’s history and the need to keep local law enforcement separate from federal immigration enforcement, while others said the bills would help people feel safer going to court, school, work, or public protests. A retired police officer also supported visible identification and uniform standards for officers, including federal agents operating in Hawaii. A few testifiers opposed the use of masked or unidentified officers and argued that local police should not be diverted from ordinary public safety duties to immigration enforcement. One ACLU witness noted that the federal government has increasingly used local and state agencies to expand immigration enforcement, and said the task-force provisions in the bills are important to prevent blurred lines between agencies. The committee did not take a final vote in the portion of the meeting provided, but it recorded very large numbers of supportive testimonies for both bills, with only a small number in opposition.

Transcript Highlights:

• </c> increased water increased water consumption<00:48:34.960><c> under</c><00:48:35.200><c> current<
• hogs causing both water pollution and water depletion.
• </c> also water Hogs causing both water also water Hogs causing both water pollution<01:03:04.680><c>
• </c> our increased electric bills or water our increased electric bills or water bills<01:05:38.200><
• With respect to water, it would require a certification from the DNR that the water that's going to be

Committee: Senate Taxes

Keywords: 1187, senate, all

Transcript Highlights:

• River, river, water, water is what has brought everybody here to this area.
• Again, because water is life and water is gold here, that reservoir is very important.
• Lake Farmington provides 49% of that water for the city; 51% is contracted out and supplies water all
• Of the water runs through San Juan County.
• Every time the waters drop, so do our revenues.

Committee: House Economic & Rural Development & Policy Committee

Transcript Highlights:

• House Bill 1145 by Representatives Velasco and Fields and Senators Cutter and Mullica, concerning water
• Representatives Maybury and Soper and Senators Baum and Weissman, concerning the continuation of the regulation
• of bail bonding agents regulated by Article 23 of Title 10, Colorado Revised Statutes, by the Division
• It was recommended that we continue to regulate this space.
• It's important that we regulate this space to ensure that we have a place that can adjudicate disputes

Keywords: 981, all

Transcript Highlights:

• And their own internal documents say Meta is not going to act unless regulators or others force them
• I do applaud this legislature for your passage on regulation on crypto ATMs.
• this problem with Congress and the administration concerning AI, since they want to nationalize regulation
• it's a necessary step to have a coordinated approach that would help us look at how AI could be regulated
• every direct deposit that they have set up, every direct ACH payment that they have set up for their water

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, regulators, law enforcement, AARP, and mortgage and insurance industry representatives. Witnesses described a wide range of scams, including spoofed bank calls and texts, fake websites and social media impersonation, romance and investment scams, business email compromise, gift card fraud, check fraud, wire fraud, reverse mortgage scams, and crypto kiosk schemes. Several speakers emphasized that fraud is increasingly organized, technology-driven, and amplified by artificial intelligence, and that seniors are disproportionately targeted and often suffer the largest losses. Testimony highlighted both prevention and recovery efforts. Bankers said institutions spend heavily on training, customer education, and fraud detection, but often cannot stop losses once customers have been convinced to authorize transfers. The Attorney General’s office described its Consumer Protection Division, a new Financial Fraud Task Force, and examples of recovering funds quickly from crypto kiosk and wire fraud cases. The State Bank Department and Securities Department said Arkansas’s 2025 crypto ATM legislation and related education requirements have helped, and they urged continued public education. The Insurance Department reported major insurance-fraud trends, including fake insurance cards, forged policies, premium-finance schemes, and staged auto accidents, and said it prosecutes these cases aggressively. Members asked about reporting scams, the security of tap payments, how fraud losses are tracked, the role of crypto kiosks, and whether Arkansas should pursue model legislation or stronger action against telecom and social media companies. Witnesses said tap payments are generally safer than chip or swipe, that crypto transfers are often unrecoverable, and that spoofed caller ID and impersonation ads remain major problems. Paul Benda of the American Bankers Association urged state and federal action against telecom and social media platforms and supported national scam legislation. No new bills were voted on at the meeting, but members approved the November 3, 2025 minutes and several witnesses offered to share model legislation, consumer education materials, and state-by-state fraud data with the committee.