Transcript Highlights:

• So, um, I am actually really happy that we're offering this Paid Family Leave program to Minnesota.
• ><c> in</c> Federal Federation of businesses in Federal Federation of businesses in retail<00:02:19.000
• </c><00:05:01.400><c> report</c> know kind of having both programs report know kind of having both programs
• We are not providing an exemption here at the federal level.
• This is a really important program. It went through a number of iterations.

Bills: HF11

Committee: House Ways and Means

Keywords: Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement

Bills: SSB1205

Committee: Joint Ways and Means

Keywords: Iowa Economic Development Authority, economic development incentives, tax credits, business incentives for growth, BIG program, seed investor tax credit, venture capital, startup investment, research and development tax credit, R&D credit, film production incentive, movie production, sustainable aviation fuel, SAF, renewable fuels, advanced manufacturing, bioscience, technology and innovation, high quality jobs program, Endow Iowa

Transcript Highlights:

• It assumes 22 new programs in different watersheds throughout the state, with an average program size
• necessary funding to keep these programs going.
• Our recent voluntary stewardship program...
• Some brief background on federal lands: there's five federal agencies responsible for wildland fire management
• This legislation seeks stronger federal wildfire response capacity, and that's important, but federal

Bills: SB6104 , SB6241 , SJM8015 , SB6318

Committee: Senate Agriculture & Natural Resources

Keywords: agriculture, protection, state regulation, farmers, land use, sustainability, steelhead, conservation, wildlife, fishing, environmental protection, federal response, wildfire protection, community safety, infrastructure, natural resources, commercial shellfish, fees, fishing industry, regulations

Bills: HB5658 , HB1849 , HB2433 , HJR142 , HB4090

Keywords: universal child care, early learning, affordable child care, school readiness, child development, community involvement, mental health, socioeconomic diversity, disaster mitigation, tax exclusion, state programs, catastrophe loss, property insurance, windstorm, earthquake, wildfire, Medicare, healthcare, authorization, medical necessity

Bills: SCR22 , SB53 , SB204 , SB266 , SB268 , SB291 , SB292 , SB296 , SB304 , SB305 , SB413 , SB447 , SB455 , SB462 , SB493 , SB504 , SB519 , SB522 , SB532 , SB541 , SB667 , SB670 , SB673 , SB681 , SB687 , SB711 , SB746 , SB765 , SB783 , SB827 , SB850 , SB860 , SB888 , SB897 , SB901 , SB927 , SB955 , SB963 , SB984 , SB989 , SB993 , SB996 , SB1023 , SB1033 , SB1058 , SB1062 , SB1101 , SB1119 , SB1172 , SB1173 , SB1215 , SB1220 , SB1227 , SB1228 , SB1229 , SB1238 , SB1239 , SB1245 , SB1248 , SB1254 , SB1259 , SB1273 , SB1277 , SB1302 , SB1332 , SB1341 , SB1346 , SB1350 , SB1352 , SB1353 , SB1355 , SB1358 , SB1370 , SB1371 , SB1378 , SB1403 , SB1404 , SB1415 , SB1437 , SB1448 , SB1450 , SB1464 , SB1493 , SB1494 , SB1537 , SB1566 , SB1569 , SB1589 , SB1598 , SB1644 , SB1709 , SB1719 , SB1729 , SB1733 , SB1744 , SB1772 , SB1810 , SB1841 , SB1895 , SB1930 , SB2039 , SB2289 , SB2312 , SCR1 , SCR6 , SCR27 , SCR32 , SB2232 , SJR4 , SJR27 , SJR40 , SB22 , SB33 , SB36 , SB37 , SB38 , SB95 , SB209 , SB249 , SB311 , SB365 , SB605 , SB618 , SB619 , SB732 , SB745 , SB760 , SB762 , SB779 , SB783 , SB785 , SB819 , SB871 , SB883 , SB1057 , SB1059 , SB1067 , SB1080 , SB1171 , SB1210 , SB1255 , SB1265 , SB1271 , SB1313 , SB1314 , SB1316 , SB1318 , SB1320 , SB1332 , SB1365 , SB1426 , SB1470 , SB1494 , SB1541 , SB1559 , SB1567 , SB1592 , SB1596 , SB1598 , SB1677 , SB1706 , SB1750 , SB1758 , SB1786 , SB1791 , SB1810 , SB1818 , SB1841 , SB1851 , SB1871 , SB1967 , SB2024 , SB2077 , SB2148 , SB2321 , SB2365 , SB2420 , SB2425 , SJR36 , SJR50 , SJR4 , SJR40 , SJR27 , SJR39 , SCR22 , SCR12 , SCR39 , SCR38 , SCR37 , SCR1 , SCR27 , SCR32 , SCR42 , SCR6 , SB779 , SB1470 , SB765 , SB62 , SB666 , SB888 , SB687 , SB847 , SB1248 , SB504 , SB305 , SB296 , SB284 , SB304 , SB1023 , SB204 , SB670 , SB850 , SB854 , SB413 , SB1346 , SB1033 , SB1220 , SB1073 , SB810 , SB1539 , SB447 , SB1119 , SB1505 , SB1215 , SB1302 , SB583 , SB673 , SB681 , SB1172 , SB955 , SB957 , SB541 , SB266 , SB1415 , SB53 , SB1352 , SB785 , SB1450 , SB1502 , SB1566 , SB1062 , SB711 , SB746 , SB1404 , SB1448 , SB507 , SB1026 , SB1349 , SB1355 , SB1433 , SB1434 , SB1596 , SB1403 , SB667 , SB1059 , SB1567 , SB310 , SB311 , SB505 , SB1210 , SB264 , SB1358 , SB1364 , SB1569 , SB1376 , SB1228 , SB519 , SB1350 , SB462 , SB827 , SB1585 , SB1273 , SB927 , SB1227 , SB1229 , SB1353 , SB1464 , SB1709 , SB1729 , SB1733 , SB1744 , SB1772 , SB1841 , SB2016 , SB1173 , SB1163 , SB996 , SB1370 , SB1101 , SB860 , SB993 , SB1537 , SB1332 , SB963 , SB493 , SB984 , SB619 , SB1122 , SB455 , SB522 , SB1057 , SB1239 , SB1254 , SB1255 , SB1259 , SB1341 , SB1877 , SB1277 , SB732 , SB731 , SB268 , SB1589 , SB397 , SB1058 , SB1930 , SB532 , SB508 , SB292 , SB291 , SB901 , SB1333 , SB1436 , SB1494 , SB964 , SB1378 , SB2312 , SB1719 , SB287 , SB2143 , SB1245 , SB261 , SB1247 , SB1882 , SB618 , SB38 , SB393 , SB1371 , SB1365 , SB2243 , SB2226 , SB2039 , SB1919 , SB1895 , SB1598 , SB1493 , SB1810 , SB1791 , SB1706 , SB1644 , SB1238 , SB783 , SB22 , SB651 , SB897 , SB1080 , SB745 , SB826 , SB989 , SB1320 , SB1437 , SB2289 , SB1171 , SB1079 , SB1243 , SB1504 , SB1851 , SB1879 , SB2237 , SB1257 , SB2034 , SB1522 , SB883 , SB249 , SB1318 , SB1151 , SB596 , SB1191 , SB226 , SB570 , SB870 , SB991 , SB60 , SB365 , SB1067 , SB1786 , SB326 , SB1401 , SB1592 , SB1728 , SB1265 , SB586 , SB529 , SB217 , SB209 , SB1923 , SB1559 , SB1839 , SB387 , SB1874 , SB1872 , SB1873 , SB1921 , SB1883 , SB1677 , SB95 , SB1620 , SB1838 , SB2024 , SB2429 , SB1999 , SB511 , SB2309 , SB2166 , SB871 , SB510 , SB33 , SB2420 , SB1860 , SB1541 , SB1316 , SB1314 , SB1313 , SB1426 , SB1398 , SB1869 , SB1750 , SB1871 , SB36 , SB855 , SB1233 , SB760 , SB2425 , SB2037 , SB1758 , SB1759 , SB2365 , SB1924 , SB762 , SB1271 , SB1818 , SB605 , SB1405 , SB1762 , SB1968 , SB1977 , SB2077 , SB2148 , SB2321 , SB1967 , SB1662 , SB1663 , SB2124 , SB2204 , SB1855 , SB863 , SB37 , SB2232 , SB819 , SB2078 , SB2252 , SB1962 , SB2253 , SB825 , SB1577 , SB1184 , SB2018 , SB2206 , SB1901 , SB1030 , SB2368 , SB1963 , SB1960 , SB1643 , SB1625 , SB1299 , SB841 , SB668 , SB584 , SB231 , SB2411 , SB1085 , SB2431 , SB2231 , SB1490 , SB530 , SB34 , SB1261 , SB552 , SB1099 , SB1646 , SB2180 , SB1804 , SB1937 , SB1936 , SB2569 , SB1372 , SB1208 , SB1124 , SB1506 , SB1806 , SB1868 , SB2361 , SB2314 , SB769 , SB1409 , SB2122 , SB434 , SB1214 , SB1951 , SB2183 , SB2046 , SB1667 , SB1870 , SB1727 , SB2405 , SB2127 , SB1975 , SB1760 , SB1734 , SB1335 , SB2066 , SB2129 , SB2246 , SB2439

Keywords: SCR 22, Senate Concurrent Resolution 22, official state gun, state symbol, cannon, artillery, Texas Revolution, Battle of Gonzales, Come and Take It, Alamo, San Jacinto, Twin Sisters, Sam Houston, Angelina Eberly, Texas history, historic weapon, commemorative resolution, state emblem, Texas heritage, Gonzales Memorial Museum

Transcript Highlights:

• would do is allow the county commission to grant an exemption to the mandatory solid waste collection program
• fees to any household whose total income does not exceed 75% of the federal poverty level.

Bills: SB293

Committee: House Lee County Legislation

Keywords: SB293, Lee County, solid waste, waste collection fees, garbage fees, trash collection, county commission, fee exemption, low-income households, poverty level, federal poverty level, public sanitation, local act, municipal services, waste management

Transcript Highlights:

• jurisdiction over our university, but if this is like a national accreditation that is part of their programs
• I mean, really, I guess, suppose the program is judged by students whether or not it has certain accreditations

Bills: HB4260 , HB2981 , HB3695 , HB2960 , HB3967 , HB3968 , HB4339 , HB4341 , HB4342 , HB2940 , HB4295 , HB4196 , HB3134 , HB1016

Committee: House Civil Judiciary

Keywords: workers' compensation, first responders, acute myocardial infarction, stroke, health presumption, emergency services, firefighters, peace officers, emergency medical technicians, open meetings, school boards, transparency, public access, education governance, HB3695, Oklahoma, motor vehicles, personal injury accident, traffic offense, DUI

Bills: HB242 , HB342 , HB392 , HB493 , HB521 , HB614 , HB631 , HB 1090 , HB 1091 , HB1477 , HB242

Committee: House Elections

Keywords: voter registration, elections, Election Code, registrar, county clerk, application rejection, rejection notice, voter eligibility, ballot access, transparency, administrative procedure, Texas, voting rights, election administration, notice of rejection, election, poll watcher, conviction, ineligibility, Texas election code

Transcript Highlights:

• </c><00:12:54.320><c> government</c> capabilities of the federal government capabilities of the federal
• </c> attack from the ever growing federal attack from the ever growing federal government<00:40:54.839
• What this bill does is streamline fragmented federal programs and makes the existing tools more flexible
• What this bill does is streamline fragmented federal programs and makes the existing tools more flexible
• </c> is streamline fragmented Federal is streamline fragmented Federal programs<02:48:00.399><c> and<

Bills: SB5 , HR165 , HR53 , HR55 , HR54

Keywords: immigration, detention, theft, security, enforcement, Laken Riley Act, deportation, mandatory detention, ICE detainer, Department of Homeland Security, DHS, noncitizen, alien, inadmissibility, burglary, larceny, shoplifting, assault on law enforcement, serious bodily injury, parole

Transcript Highlights:

• So what we're doing is conforming our definition to the federal definition.
• As stated before, the federal government has stopped producing pennies.
• As stated before, the federal government has stopped producing pennies.
• So my question is: does it conform with federal law?
• And don’t we already have a federal law that covers this? Great.

Bills: SB1108 , SB1205 , SB1241 , SB1286 , SB1366 , SB1431 , SB1473 , SB1477 , SB1478 , SB1479 , SB1492 , SB1517 , SB1563 , SB1586 , SB1665 , SB1671

Committee: Senate Regulatory Affairs and Government Efficiency

Keywords: cash transactions, mandatory rounding, swedish rounding, public notice, Arizona Revised Statutes, motor vehicle booting, private property, fees, dispute process, regulations, SB1241, private permitting provider, private permit, private certificate of completion, building permit, building plan review, inspection, single-trade residential construction, residential construction, municipal permitting

Transcript Highlights:

• With TDLR and have instruction by an approved program.
• Would that be presumptively not a DEI program?
• If a program has one African male in it, would that be... Presumed to be a DEI program?
• Yeah, it's really depending on the program. It could be difficult for the program.
• access to out-of-school programs across the state.

Bills: HJR144 , HJR218 , HB40 , HB 101 , HB 112 , HB146 , HB168 , HB214 , HB413 , HB1523 , HB493 , HB521 , HB594 , HB557 , HB305 , HB549 , HB854 , HB 1057 , HB 1052 , HB842 , HB3174 , HB3311 , HB2486 , HB3196 , HB824 , HB 1039 , HB2529 , HB2713 , HB4936 , HB4995 , HB4830 , HB4864 , HB5219 , HB5263 , HB5154 , HB2674 , HB5525 , HB5623 , HB2545 , HB2587 , HB2625 , HB5520 , HB5436 , HB4926 , HB1573 , HB5165 , HB4811 , HB5081 , HB4755 , HB3179 , HB4310 , HB4611 , HB2159 , HB4626 , HB3637 , HB3153 , HB3066 , HB2786 , HB2966 , HB638 , HB640 , HB876 , HB497 , HB5539 , HB4809 , HB5308 , HB4687 , HB4070 , HB4421 , HB4412 , HB3284 , HB3369 , HB3420 , HB3449 , HB4098 , HB4281 , HB4120 , HB4504 , HB4370 , HB 1106 , HB2370 , HB2404 , HB3863 , HB2407 , HB2253 , HB2273 , HB2040 , HB1586 , HB3788 , HB3993 , HB4690 , HB4309 , HB4696 , HB2308 , HB 1142 , HB1533 , HB1621 , HB2242 , HB2012 , HB2193 , HB2442 , HB2464 , HB2348 , HB2313 , HB2289 , HB1942 , HB2011 , HB1629 , HB2993 , HB3592 , HB3824 , HB4076 , HB4535 , HB4623 , HB4773 , HB 1091 , HB5115 , HB5515 , HB3372 , HB5659 , HCR118 , HB 1233 , HB2239 , HB2379 , HB2863 , HB3368 , HB3787 , HB3815 , HB3898 , HB4023 , HB4285 , HB4329 , HB4331 , HB4429 , HB4646 , HB4904 , HB5200 , HB5320 , HB5651 , HB5662 , HB5668 , HB5670 , HB5672 , HB5674 , HB5676 , HB5679 , HB5688 , HCR108

Keywords: regional mobility, transportation authority, local law, constitutional amendment, public projects, Texas energy fund, energy efficiency, retail electric customers, electric generating facilities, business court, civil procedure, litigation, jurisdiction, arbitration, Texas State Guard, task force, professionalization, state missions, critical infrastructure, science park district

Transcript Highlights:

• , and the administration should make the recommendation.
• Let's not let them engage in after-school programming or sports.
• I want us to work together to build interventions that are ...programming or sports.
• Washington state public schools do not currently operate on medication administration protocols.
• I am also a retired school nurse corps administrator and school nurse here in Washington state.

Bills: HB2246 , HB2360

Committee: House Education

Keywords: firearm violations, education, student discipline, school policies, safety measures, albuterol, asthma, inhaler, rescue inhaler, respiratory emergency, school nurse, student medication, self-administration, anaphylaxis, public schools, private schools, charter schools, tribal compact schools, K-12 health, medication policy

Transcript Highlights:

• to reduce in health care costs in the State Employees Group Benefits Program.
• Well, is this about a cap-and-trade program?
• Carbon tax programs. and regulations that are either a direct carbon tax or a cap-and-trade. trade program
• I do know about that program.
• Do you think... think that the federal government or any of the agencies in the federal government would

Bills: HJR34 , HB 113 , HB184 , HB198 , HB247 , HB367 , HB449 , HB1778 , HB514 , HB576 , HB632 , HB1395 , HB2225 , HB2582 , HB2494 , HB766 , HB2715 , HB2712 , HB3069 , HB3505 , HB 1269 , HB4224 , HB3609 , HB5032 , HB2240 , HB5180 , HB3348 , HB4668 , HB4909 , HB4665 , HB4895 , HB3395 , HB3157 , HB4762 , HB4395 , HB4325 , HB4952 , HB4386 , HB4273 , HB2760 , HB2697 , HB2820 , HB1828 , HB1768 , HB1579 , HB1773 , HB1871 , HB2035 , HB2448 , HB2492 , HB1411 , HB4753 , HB4666 , HB4529 , HB1499 , HB1610 , HB2028 , HB1506 , HB886 , HB3546 , HB796 , HB223 , HB1475 , HB3556 , HB4638 , HCR126 , HB38 , HB 104 , SB1008 , SB1106 , SB1172 , SB2629 , SB2964 , SB616 , HB2214 , SB552 , HB3181 , HB3628 , HB589 , HB3529 , HB3354 , HB333 , HB2914 , HB4130 , HB4131 , HB24 , HB 1160 , HB3962 , HB4115 , HB2295 , HB5398 , HB1407 , HB3800 , HB2613 , HJR138 , HB42 , HJR34 , HB 129 , HB677 , HB426 , HB668 , HB1699 , HB2017 , HB2128 , HB2038 , HB3783 , HB3717 , HB2316 , HB3686 , HB2563 , HB3883 , HB4021 , HB2788 , HB2663 , HB3305 , HB3173 , HB3474 , HB 1105 , HB3531 , HB3490 , HB3597 , HB 1295 , HB3512 , HB3010 , HB3112 , HB4215 , HB3223 , HB3464 , HB3120 , HB4214 , HB4511 , HB3704 , HB4081 , HB4783 , HB4063 , HB2783 , HB4937 , HB5085 , HB2510 , HB3426 , HB4361 , HB 1169 , HB2516 , HB2347 , HB4034 , HB4700 , HB3560 , HB5150 , HB3860 , HB3146 , HB3924 , HB 113 , HB184 , HB198 , HB247 , HB367 , HB449 , HB1778 , HB514 , HB576 , HB632 , HB1395 , HB2225 , HB2582 , HB2494 , HB766 , HB2715 , HB2712 , HB3069 , HB3505 , HB 1269 , HB4224 , HB3609 , HB5032 , HB2240 , HB5180 , HB3348 , HB4668 , HB4909 , HB4665 , HB4895 , HB3395 , HB3157 , HB4762 , HB4395 , HB4325 , HB4952 , HB4386 , HB4273 , HB2760 , HB2697 , HB2820 , HB1828 , HB1768 , HB1579 , HB1773 , HB1871 , HB2035 , HB2448 , HB2492 , HB1411 , HB4753 , HB4666 , HB4529 , HB1499 , HB1610 , HB2028 , HB1506 , HB886 , HB3546 , HB796 , HB223 , HB1475 , HB3556 , HB4638 , HCR98 , HCR92 , HCR126

Keywords: HJR 34, constitutional amendment, Texas Constitution, ad valorem tax, property tax exemption, real property, border counties, U.S.-Mexico border, United Mexican States, border security, border security infrastructure, landowner, county tax base, local government, tax relief, property value increase, infrastructure improvements, voter approval, November 2025 ballot, statutory construction

Transcript Highlights:

• “House Joint Memorial 4009 is about recent federal orders to consolidate federal wildland firefighting
• programs.
• It could be federal, it could be a state agency, federal agency, or it could be Congress or the executive
• So please let’s keep this program.
• We need more at the federal level, and we're concerned about the federal government's actions diminishing

Bills: HB2131 , HB2221 , HJM4009 , HB2619

Committee: House Agriculture & Natural Resources

Keywords: sea lion, predation control, salmon preservation, fishing industry, voluntary donations, ungulate, wildlife conservation, ecosystem management, population sustainability, environmental impact, wildfire, federal response, community protection, natural resources, firefighter safety, agriculture, regulations, farming, compliance, economic impact

Transcript Highlights:

• There has been some, I wouldn't consider it to be like an administrative rule or something like that,
• PFML rates and will ask for a four-month reserve, which we think will be very important to put the program
• The federal law does that, so the bill essentially aligns with federal law.

Bills: SB6134

Committee: House Labor & Workplace Standards

Keywords: unemployment insurance, UI benefits, striking workers, strike, labor dispute, retroactive wages, overpayment assessment, overpayment recovery, Employment Security Department, ESD, claimant notice, benefit recoupment, Washington unemployment law, worker notice, federal unemployment tax credit, state unemployment fund

Transcript Highlights:

• And I would say I think that's true with the other benefits programs as well.
• You're going to have an arbitrary administrative decision.
• It creates a significant administrative hurdle. So I kind of weighed these two things.
• operating, administrative, and management staff.
• House Bill 2160 would increase costs to a program that's already underfunded.

Bills: HB2124 , HB2125 , HB2160 , HB2179

Committee: House Appropriations

Keywords: retirement, lump sum payment, financial security, pension reform, monthly benefits, retirement system, investment earnings, trust funds, public pensions, financial management, education, benefits, school employees, membership eligibility, employment, public employees, port workers, federal retirement plan, pension

Transcript Highlights:

• been operated through administrative regulations into a program with well-defined criteria and safeguards
• Chairman and Senator Munoz, there are 13 different federal programs that are available right now.
• There are 13 different federal programs that are available right now.
• That's a federal nutrition program that helps support nutritious food in child care programs. Mr.
• Federal programs are usually gone through because they're usually competitive programs.

Bills: SB204 , SB241 , HB34 , HB2 , SB204 , SB241 , HB34

Committees: Senate Senate Education , Senate House Education

Keywords: higher education, research funding, federal funding, New Mexico, appropriation, University of New Mexico, New Mexico State University, New Mexico Institute of Mining and Technology, child care, child care assistance, child care subsidy, early childhood education, early childhood care, daycare, preschool, pre-K, Head Start, Early Head Start, Children's Code, early childhood education and care department

Transcript Highlights:

• And my kids are thriving in this program. It's a fantastic program.
• capacity to run these kinds of programs as well. ...educators and additional administrative capacity
• online program.
• Because of a rapid change in the administration of this one particular program from one district... .
• ..administration of this one particular program from one district to two other districts that we could

Bills: HB2 , SB204 , SB241 , HB34

Committee: House House Education

Keywords: general appropriation, budget, Medicaid, education funding, public safety, higher education, research funding, federal funding, New Mexico, appropriation, University of New Mexico, New Mexico State University, New Mexico Institute of Mining and Technology, child care, child care assistance, child care subsidy, early childhood education, early childhood care, daycare, preschool

Transcript Highlights:

• administration.
• administration.
• It would be naive of us not to prepare for a possibility of federal administration.
• of the federal courts and the federal law enforcement agencies.
• the federal courts and the federal law enforcement agencies.

Bills: HB2217 , HB2558 , HB2641 , HB2648 , HB1239 , HB1591 , HB2209 , HB2310 , HB2526

Committee: House Community Safety

Keywords: rehabilitation, felony offenses, criminal justice reform, first-time offenders, pathways to rehabilitation, mental health, sentencing alternative, criminal justice, diversion programs, HB 2641, ICE out act, law enforcement hiring, immigration and customs enforcement, ICE officers, former federal employees, sworn officer, police staffing, general authority law enforcement agency, limited authority law enforcement agency, immigration enforcement

Transcript Highlights:

• the amount and collection method for its administrative fee.
• have the money as far as Washington State, we can at least capture some federal dollars.
• This is an easy program. This is low-hanging fruit.
• The right only applies to victims under the federal Uniform Code of Military Justice.
• The Uniform Code of Military Justice, that federal law, only applies.

Bills: HB2397 , HB2417 , HB2157 , HB2186 , HB2225 , HB2351

Committee: House Technology, Economic Development, & Veterans

Keywords: fire services, reimbursement, state agencies, local jurisdictions, mobilization plan, military justice, victims' rights, militia, Washington code, legal protections, artificial intelligence, AI regulation, algorithmic discrimination, high-risk AI, machine learning, generative AI, synthetic content, impact assessment, risk management policy, consumer protection