Transcript Highlights:

• House Bill 2 includes, I'm proud to say this, $22 million for the aquifer mapping project.
• We don't have a good mapping project for aquifers.

Bills: HB95, HB111, HJR1, HM7, HM17, HM4, HM22, HM3, HM11, HM14, HM15, HM21, HM34, HB2, HB32, HB33, HB61, HJM2, HM23, HM24, HM26

Keywords: HB95, additional judgeship, district court, judicial district, First Judicial District, Second Judicial District, district judges, court administration, judicial staffing, caseload, access to justice, New Mexico courts, judiciary, judge vacancy, court backlog, state courts, water law, state engineer, civil penalty, compliance order

Summary: The House convened with quorum, offered an invocation and pledges, and then moved through a series of memorials, recognitions, and announcements. House Memorial 49, declaring February 4, 2026 UNM Day, was taken from the Speaker’s table, explained, and debated at length. Members from both parties and several guests praised the University of New Mexico for its role in education, health care, research, public service, and workforce development, with special recognition of President Garnett Stokes, interim provost Barbara Rodriguez, and Health Sciences leaders and students. The memorial highlighted UNM’s enrollment, degrees awarded, scholarship support, patent activity, and the UNM Hospital and Health Sciences Center. It passed 70-0. House Memorial 48, declaring February 4, 2026 Valencia County Day, was also brought forward and passed unanimously. Supporters described Valencia County’s history, culture, economic growth, and traditions, including the annual matanza, Route 66 heritage, and major employers and development projects. Members from the county and local officials were recognized, and the memorial emphasized both historic communities and current business and infrastructure expansion. House Memorial 50, declaring Lincoln County Day, was introduced by title and placed on the Speaker’s table, but not taken up for final passage during this segment. The chamber also recognized the Artesia Bulldogs football team for winning another state championship, Del Norte High School’s class of 1966 on its 60th anniversary, and a number of guests tied to nursing, education, and local community service. Several members used announcements to highlight nurses, school programs, and local events, including a Legislative Sportsman’s Caucus invitation and a reminder that the day was the final day to file bills with the clerk. The session closed with continued announcements and guest introductions, reflecting a day focused heavily on community recognition and celebratory memorials rather than substantive legislation beyond the memorial votes.

Transcript Highlights:

• Speaker and members, Assembly Bill 598 seeks to establish school mapping technology, K through 12 campuses
• School mapping technology will allow emergency responders to have access to school layout.

Keywords: 988, house, all

Transcript Highlights:

• Please take a look at the map I provided.
• Jen, who just talked to you, showed you a map.

Bills: SB1, SB 1

Keywords: appropriations, budget, state funding, education, healthcare, infrastructure, campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, 1185, senate, all

Transcript Highlights:

• So if you take a look at the map, right, you have some service deserts, if you will, for a lack of a
• you take a look to build capacity so if you take a look at<01:09:53.279><c> the</c><01:09:53.560><c> map

Keywords: 912, senate, all

Summary: The Committee on Health and Human Services held an informational briefing on Kupuna Care funding, distribution, utilization, and the status of program rules. The Office of Aging explained that state Kupuna Care funds are distributed using the same federally approved interstate funding formula used for Older Americans Act funds, with eight weighted factors tailored to Hawaii’s conditions: older adults, greatest economic need, low-income minority status, disability, language barriers, geographic isolation, inverse population density, and older adults living alone in poverty. The department said the formula is based on census and American Community Survey data, with current county shares listed as Kauai 7.45%, Honolulu 69.61%, Maui 11.7%, and Hawaii County 17.88%. Officials said the formula is being reviewed with current data and will need federal approval and then public hearing before final adoption. Members questioned how the program works in practice, noting that the statute and eligibility language can sound like direct individual benefits even though services are delivered through area agencies on aging, ADRCs, and contracted providers such as meal and adult day care programs. The Office of Aging said ADRCs determine eligibility and then refer clients to authorized providers, who must meet service standards in their contracts. The chair pressed repeatedly for long-delayed rules, saying the Legislature had expected them years earlier and that clear rules are needed to ensure funds are spent properly and to avoid conflicts of interest. The department acknowledged the delay, said draft rules were written in 2023 after earlier commitments to finish sooner, and said it paused while federal Older Americans Act rules were being updated; it now expects to send the rules to the Deputy Attorney General, then out for public hearing, with a goal of completion in 2025. The department also reported utilization data for the last two fiscal years. In 2023, it expended about 93% of its allocation and served 5,473 older adults at an average annual cost of $1,358; in 2024, it expended about 97% and served 5,520 older adults, with the average cost down by about $200, which officials said may indicate fewer services per person. Eligibility was described as age 60 or older, U.S. citizen or qualified alien, with cognitive impairment or disability and functional deficits, and the statewide profile showed many participants were homebound, living alone, or below poverty. The most-used services were transportation, case management, and home-delivered meals. The chair also asked about the former Kupuna caregiver program; officials said the programs are now combined under Kupuna Care, with most funding going to adult day care to provide respite for working caregivers. County representatives then described local conditions, especially on Hawaii Island. Hawaii County officials said the county covers about 5,000 square miles, has about 208,000 residents, and roughly 24% are age 65 or older. They identified three main challenges: staffing shortages and retention problems among providers, shortages within the county department itself, and the loss of adult day care capacity, with only one center remaining on the island and none on the west side. They said these constraints limit service delivery even as demand grows. At the same time, they highlighted successes such as serving people in the community before they need higher levels of care, providing caregiver counseling and training through adult day care, serving 467 individuals locally, and ensuring the Resource Center answers calls from caregivers seeking help.

Transcript Highlights:

• Emergency Assistance Act to authorize Federal agencies to provide certain essential assistance for hazard
• This is a 15-minute vote. assistance for hazard mitigation for assistance for hazard mitigation for electric

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, January 15, 2025, 1012, house, all

Transcript Highlights:

• </c><01:46:18.800><c> the</c><01:46:18.960><c> department</c><01:46:19.400><c> has</c> as a road map
• the department has as a road map the department has undertaken<01:46:20.239><c> PR</c><01:46:20.599><
• So in order for a project to be capitalized, you know, the business plan has to map out and what you
• So you just have to think about how it scales out. the business plan has to map out and the business
• plan has to map out and what<02:08:09.679><c> you</c><02:08:09.800><c> need</c><02:08:10.000><c> is</

Keywords: 1189, house, all

Transcript Highlights:

• You've given a road map to repeal the law. That's right.
• You've given a road map to repeal the law. That's right.
• You've given a road map to repeal the law. That's right.
• You've<00:18:14.960><c> given</c><00:18:15.200><c> a</c><00:18:15.440><c> road</c><00:18:15.760><c> map
• </c><00:18:16.160><c> to</c> &gt;&gt; You've given a road map to &gt;&gt; You've given a road map to

Keywords: 1189, house, all

Transcript Highlights:

• If you look at the map where all these CME grantees are, you know, they're in every corner of the state

Keywords: 988, house, all

Transcript Highlights:

• If you look at the map where all these CME grantees are, you know, they're in every corner of the state

Summary: The select committee on Community Economic Mobility and Investment heard testimony on how California can support inclusive economic development through coordinated workforce, education, nonprofit, and industry partnerships. Chair Arambula opened by emphasizing that rural, low-income, and historically underinvested communities often face the greatest barriers to accessing state resources, and that the hearing would focus on successful collaboration models, the role of training and higher education, and future opportunities tied to economic mobility and social determinants of health. Witnesses from the California Workforce Association, Fresno State, and NextGen Policy described local and regional workforce systems in the Central Valley and beyond. They highlighted examples such as apprenticeship and pre-apprenticeship programs, employer-led partnerships, on-the-job training, support for women entering construction, programs for justice-involved and opportunity youth, and the need to braid federal, state, philanthropic, and private funding. Several speakers stressed that local workforce boards, community colleges, adult education, labor organizations, and community-based groups are best positioned to identify regional labor needs and that California should fund systems, not just individual grants, especially as federal workforce funding has declined and new work requirements tied to HR 1 and AI-related labor shifts create added pressure. A second panel focused on the Community Economic Mobility Initiative as a statewide model. Sierra Health Foundation and its partners said CME has helped community organizations build capacity, pursue more than $400 million in grants and contracts, and attract about $178 million back into California communities. Speakers from Siskiyou Economic Development Council, Fresno EDC, Edge Collaborative, and Líderes Campesinas gave examples of place-based projects in rural and urban regions, including business innovation centers, community-owned development, bioeconomy and restoration projects, subsidized employment, and farmworker-led cooperatives. They argued that long-term, locally driven investment produces stronger regional economies and better health outcomes, and urged the Legislature to provide durable funding and policy support rather than short-term extensions. No formal votes or committee actions were taken in the portion provided.

Transcript Highlights:

• And you have a heat map or some sort of GIS that reveals that?

Keywords: 995, all

Summary: The Special Joint Committee on Initiative Petitions held a public hearing on Initiative Petition 25-03, House Bill 5000, which would allow single-family homes on small lots in areas with adequate infrastructure. Committee chairs outlined the Article 48 process and the hearing format, then heard first from two subject-matter experts. Under Secretary Chris Clutchman of Housing and Livable Communities explained that the proposal would amend Chapter 40A’s Section 3 (the Dover Amendment) to require most municipalities, except Boston, to allow single-family homes on residentially zoned lots of at least 5,000 square feet with 50 feet of frontage and access to public water and sewer, while still allowing reasonable local regulations on setbacks, height, bulk, and short-term rentals. He distinguished the proposal from Chapter 40Y starter-home zoning, said implementation would likely require regulations to address issues such as wetlands, infrastructure capacity, and nonconforming lots, and answered committee questions about lot subdivision, MBTA Communities, and the relationship to existing zoning tools. Attorney Susan Murphy testified that the petition would significantly override local zoning and could create conflicts with existing statutes, including Chapter 40A Section 6 protections for certain nonconforming lots, subdivision control law, and other residential zoning districts. She raised concerns about how “access” to water and sewer would be defined, whether the measure could apply in business or industrial districts where residential uses are allowed, and whether the proposal could allow large homes on small lots without any affordability limits. She also warned that the measure could have significant infrastructure impacts and argued that the Legislature should consider broader, more comprehensive housing legislation rather than expanding exceptions to the zoning framework. Committee members asked both experts about frontage, lot size, infrastructure capacity, and how the proposal would interact with 40Y and MBTA Communities. The proponents, led by Andrew McCulla of the Legalized Starter Homes Coalition, argued that Massachusetts faces a severe housing shortage and affordability crisis, citing high home prices, high rents, declining listings, and outmigration of younger residents. They said the measure would legalize modest single-family homes on smaller lots, increase housing supply, and help first-time buyers and downsizing seniors, while leaving most other local rules in place. Other proponents, including representatives from Abundant Housing Massachusetts, the Charles River Regional Chamber, and individual residents, emphasized workforce retention, the need for more starter homes, and the view that large minimum lot sizes are a major barrier to production. Committee members pressed the panel on the lack of any home-size or affordability requirement, possible effects on 40B compliance, the number of new lots and homes that might result, and the fact that the ballot initiative would not be amendable by the Legislature. The hearing then turned to opponents from the Massachusetts Municipal Association, who urged the committee to take no action. MMA leaders said zoning should remain a local decision made by residents and elected local officials, and argued that the proposal would preempt local control with a one-size-fits-all mandate. They also said the measure is impractical because many communities with water and sewer are already at or near capacity, so infrastructure availability does not necessarily mean development capacity. The hearing ended during the MMA’s testimony, with no vote or final committee action taken.

Transcript Highlights:

• MAPS course just came out; that's a version of testing.

Keywords: 995, all

Summary: The Joint Committee on Higher Education held its fourth public hearing, opening with remarks about the importance of protecting and expanding access to higher education amid federal disinvestment. The chairs also announced future informational hearings on the impact of federal cuts and on ASAP models. The hearing then focused on several bills, beginning with S. 951/H. 1462, An Act to Support College Students in Recovery, which would require recovery-focused housing on public campuses and expand naloxone access and overdose training. Senator Rausch, medical professionals, students, and advocates testified in support, emphasizing the prevalence of overdose risk among college students, the value of recovery housing, and the need for campus naloxone; committee members asked about implementation details and the existing state pilot program. Deb Schmill and Rep. Tarski gave especially personal testimony in favor of the bill, and the committee discussed broadening the naloxone language to opioid reversal agents. The committee also heard testimony on H. 1461, which would expand MassReconnect scholarships to practical nursing students at vocational and technical schools to help address the long-term care workforce shortage. Rep. Stanley argued that vocational schools graduate more practical nursing students than community colleges and serve many low-income students in areas without nearby community college programs. The committee then took up H. 1433, which would require public higher education institutions to accept IEPs and 504 plans as sufficient documentation for disability accommodations. Advocates from the National Center for Learning Disabilities described the high cost and burden of repeat testing, the lifelong nature of disabilities, and the need for more uniform access across campuses; committee members raised questions about documentation freshness, campus autonomy, and how to preserve the integrity of accommodations. Later, the committee heard S. 919/H. 1454 on modernizing the Community College Endowment Match Program so community colleges could receive state matching funds for current-use donations as well as endowments and capital gifts. Community college foundation leaders said the change would help fund immediate student needs such as food pantries, child care, emergency aid, and equipment. The hearing then moved to faculty-related bills: S. 933 on UMass faculty rights and tenure transparency, S. 930/H. 3948 on contingent faculty rights and career advancement, and S. 940/H. 1429 on an Adjunct Bill of Rights. Testimony from faculty and union representatives focused on low pay, lack of benefits, job insecurity, and the need for clearer pathways to full-time positions and fairer treatment for adjuncts who teach large shares of courses. No votes were taken during the hearing; the committee primarily received testimony and asked clarifying questions.

Transcript Highlights:

• And I think that's the same thing with the map. So that's probably covered in your explanation.

Summary: The committee met to adopt prior minutes and reports from its executive and standing committees, including counties and municipalities, educational institutions, and state agencies. Those reports covered routine audit activity, delinquent private water and sewer audits, municipal accounting compliance issues, education audit findings, and several state agency audit items. The committee also reviewed and adopted the State of Arkansas annual comprehensive financial report for fiscal year 2025 and the related single audit report, both presented by Legislative Audit staff. The state financial report showed unmodified opinions on the state’s financial statements and described total assets of about $41.9 billion and liabilities of about $11.1 billion, along with retirement system assets of $39.9 billion and a net pension liability of $9 billion. Two material weaknesses were identified: insufficient internal controls at the Office of State Technology to monitor threats and unauthorized access, and a Division of Workforce Services methodology change for unemployment-related estimates that was not properly documented or approved. The single audit covered $12.4 billion in federal awards across 469 programs, with 16 major programs reviewed; it resulted in 33 findings, 14 with questioned costs totaling $16.6 million, and qualified opinions for the Summer EBT program, the Coronavirus Capital Projects Fund, and the Child Care Development Fund cluster. Members questioned agency officials in detail about the Summer EBT questioned costs, DHS unresolved findings, broadband grant documentation, cyber security controls, workers’ compensation liabilities, and child care funding and reporting. DHS explained that the Summer EBT issue involved drawing federal funds in advance rather than as benefits were redeemed, and said the process has been corrected. Broadband officials said the questioned $6.6 million reflected documentation-detail disagreements across many invoices rather than missing payments. OST officials described new logging, endpoint detection, and phishing-training efforts, and DFA and Education officials addressed specific audit findings and corrective actions. The committee ultimately moved to hold the two large statewide reports over until the August meeting for further review, with discussion continuing on whether to release some agency staff in the meantime.

Transcript Highlights:

• community colleges, actually just released the press release around it, and part of it was completely mapping

Summary: The committee first heard AB 402, which would increase Cal Grant award amounts for students attending private nonprofit colleges and extend transfer entitlement eligibility to those institutions. The author and supporters argued the bill would improve affordability and access for low- and middle-income, working, military, and transfer students, while some senators emphasized the need to pair any increase with broader Cal Grant reform and funding. The bill drew support from private nonprofit universities, community college districts, and student advocates, and no opposition was presented. It passed on a due pass motion to Senate Appropriations and was placed on call. The committee then took up AB 2067, a sunset extension for the competitive lease-lease-back process for TK-12 school construction through July 1, 2032. Supporters from school facilities groups, school districts, and contractors said the method provides flexibility, early contractor involvement, cost control, and legal certainty for school construction projects. Some senators questioned how often the method is used and raised concerns about the bill’s skilled-and-trained workforce provisions, with one senator opposing on the grounds that such requirements limit contractor participation. The bill passed on a due pass motion and was placed on call. Next, AB 1204 proposed changes to the Local Control Funding Formula, including a lower concentration-grant threshold, regional cost adjustments, a minimum annual COLA, and other equity-focused revisions. Supporters said the bill would better reflect regional costs and student need, while opponents—especially several school district leaders—argued it would shift money away from the base grant, widen disparities, and create new fiscal cliffs. Committee members raised concerns about the scale of the rewrite, the lack of a broader funding strategy, and the proposed 4% COLA guarantee, though the author said the bill was intended as a phased update to improve equity. The bill was supported by the chair and several members, then passed on a due pass motion to Appropriations and was placed on call. Finally, the committee heard AB 1235, which would require a skilled-and-trained workforce process for CSU design-build projects. Supporters said it would align CSU with other segments and promote quality training, while opposition from contractor groups argued it would add liability, reduce competition, and increase costs without evidence of better outcomes. Senators again focused on the effect of skilled-and-trained requirements on contractor participation, with one member stating opposition to limiting who can work in California and another noting the bill’s broader policy implications. The transcript ends during committee discussion of AB 1235, without a recorded final vote.

Transcript Highlights:

• exam room... ...years ago, I slid my feet into a pair of stirrups in an exam room for my scars to be mapped

Summary: The committee first heard Senate Bill 476, which would add clearer warning language for garnishees responding to interrogatories and create a limited procedure for a new trial when a garnishee can show it never held property or owed the debtor during the garnishment period. After brief questions about how garnishment works, the bill was reported favorably without objection. Senate Bill 260, a youth athletics coaches training bill, was then amended to remove language about the department using donated funds to purchase courses and was reported as amended. House Bill 79, by Chairman Carter, would remove the damages cap for carbon capture release claims. Carter argued carbon capture should be treated like other industries and not receive special liability protection, and the committee reported the bill favorably without objection. The committee also took up Senate Bill 424, which clarifies that electronic service applies only to counsel of record representing a party, and Senate Bill 180, a constitutional amendment allowing a surviving spouse of a deceased disabled veteran to make a one-time transfer of an expanded property tax exemption to another qualifying homestead. SB 180 received a ballot-language amendment and a 6.88 report before being reported as amended. The longest discussion centered on House Bill 1089, which creates “care accounts” for future medical damages in delictual actions. Supporters said the bill would ensure future medical awards are used for medical care, reduce abuse, and function like a restricted account with a card or similar payment mechanism; opponents raised concerns about the account being owned by the judgment debtor, possible reversion of unused funds to the wrong party, administrative confusion, and impacts on survivors of trafficking and sexual abuse who may need flexible, trauma-informed care outside standard billing codes. After extensive testimony and debate, the committee adopted an amendment set and reported the bill favorably by a 6-1 vote, with Representative Carter voting no. Finally, House Bill 437 was heard and amended. The bill would prohibit expert witnesses from having a pecuniary interest in the outcome of the case, while still allowing inquiry into an expert’s prior testimony history. An amendment excluded criminal traffic and juvenile proceedings, and the committee continued discussion with testimony from supporters and opponents as the transcript ended.

Transcript Highlights:

• happened several years ago, I slid my feet into a pair of stirrups in an exam room for my scars to be mapped

Bills: HB79, HB437, HB646, HB1089, HB1099, SB173, SB180, SB260, SB424, SB476

Keywords: carbon capture, damages, environmental liability, legal liability, site restoration, expert witness, expert testimony, witness fees, pecuniary interest, conflict of interest, civil procedure, evidence law, Louisiana evidence code, Louisiana civil litigation, expert report, discovery, pretrial disclosure, litigation transparency, settlement, damages award

Transcript Highlights:

• the risk is located, is also an element that should be excluded, because we all know how to Google Maps

Keywords: 965, house, all

Transcript Highlights:

• Where my thought is going is if we line it up with the alcohol outlets, then we have a map that shows

Summary: The committee heard several health-related bills, beginning with SB 1124 on lung cancer screening awareness. The author and supporters said the bill would require CDPH signage about lung cancer screening eligibility at tobacco point-of-sale locations to address low awareness and low screening rates. Support came from medical students, physicians, and the California Academy of Family Physicians, while retailers raised concerns about sign size, retailer notification, and implementation. Committee members generally supported the bill and noted the need to work through those concerns. SB 1150 sought to require clearer patient notice when cancer cases are reported to the California Cancer Registry. The author described the bill as a response to inconsistent notification practices and privacy concerns, and the chair and other members shared personal stories about learning they or family members were in the registry without knowing it. Cancer registry and university stakeholders expressed appreciation for amendments but continued to have concerns or wanted more time to review the language. The bill was discussed as a patient-awareness measure rather than a change to reporting requirements. The committee also heard SB 1400 on Alameda Health System governance, SB 1094 on biosimilar substitution and health plan policies, SB 1314 on smoke shop regulation and nitrous oxide restrictions, and SB 1309 on eliminating cost-sharing for medically necessary follow-up after lung cancer screening. SB 1400 and SB 1314 drew support from local officials, labor, and public health advocates, with members emphasizing youth protection and local oversight. SB 1094 passed after extensive debate over pharmacist substitution authority and notification requirements, with a 6-0 vote and opposition from biotechnology and physician groups. SB 1309 also passed after members discussed the cost of follow-up care and the value of early detection, despite opposition from health plans over premium impacts; it received a 7-0 vote and was placed on call.

Transcript Highlights:

• Where my thought is going is if we line it up with the alcohol outlets, then we have a map that shows

Summary: The committee heard several health-related bills, beginning with SB 1124, which would require the California Department of Public Health to create and post lung cancer screening eligibility signage at tobacco point-of-sale locations. The author and supporters said the bill is intended to raise awareness of a screening that many eligible Californians do not know exists; retailers raised concerns about signage size, distribution, and notice to stores. The bill was presented while the committee lacked quorum, so no vote was taken at that time. Members then heard SB 1150, which would require clearer patient notice when cancer cases are reported to the California Cancer Registry. The author and committee chair emphasized patient awareness and privacy, while registry and university stakeholders said they appreciated the amendments and would continue working on the language. SB 1400 followed, proposing changes to Alameda Health System governance to give Alameda County more flexibility and direct oversight; county and labor supporters said the current structure is too rigid for today’s health care environment, and no opposition was heard. The committee also heard SB 1094, which would expand substitution of biosimilars and generics to lower prescription drug costs. Supporters, including health plans and Sharp Health Care, said the bill would reduce premiums and out-of-pocket costs, while opponents from biotechnology and rheumatology groups raised concerns about pharmacist substitution, patient switching, and therapeutic equivalence. After quorum was established, SB 1094 passed 6-0 and was re-referred to Appropriations. The committee then heard SB 1314, which would create a statewide definition for smoke shops, impose a 600-foot buffer from sensitive sites, and restrict nitrous oxide sales; it drew broad support from local government, pediatric, and law enforcement groups and passed 6-0 on call. SB 1309, which would eliminate cost-sharing for medically appropriate lung cancer screening follow-up care, also passed 7-0 and was re-referred to Appropriations after testimony from clinicians, advocates, and insurers. Finally, SB 1199 was introduced to ban copay accumulators, with the sponsor and author arguing it would ensure patient assistance counts toward out-of-pocket maximums and improve medication access.

Transcript Highlights:

• That's map. Additional questions on the bill.

Bills: HB4030, HB4031, HB4032, HB4033, HB4034, HB4035, HB4036, HB4037, HB4038, HB4039, HB4040, HB4041, HB4042, HB4043, HB4044, HB4045, HB4046, HB4047, HB4048, HB4049, HB4050, HB4051, HB4052, HB4053, HB4054, HB4056, HB4057, HB4065, HB4067, HB4071, HB4072, SB1144, SB1145, SB1146, SB1147, SB1148, SB1149, SB1156, SB1157, SB1158, SB1159, SB1161, SB1162, SB1163, SB1164, SB1165, SB1166, SB1167, SB1174, SB1175, SB1176

Keywords: education funding, budget appropriations, public schools, teachers' retirement, early childhood education, aeronautics, infrastructure, funding, sustainability, Oklahoma, mining, operator fees, coal production, noncoal mining, department of mines, revenue, state budget, budgetary reform, financial legislation, fiscal accountability

Transcript Highlights:

• My team is very proud of that; they have a little map to be able to see that from our small business

Summary: The commission met to hear testimony on the future of credit card payments and swipe fees, with a focus on impacts to small businesses, especially restaurants and retailers. Members and witnesses discussed interchange fees, processing fees, chargebacks, fraud risk, rewards programs, and the growing use of card-not-present and digital wallet transactions. Several witnesses urged the commission to support legislation that would prohibit fees on the tax and tip portions of transactions and allow businesses to pass credit card fees on to customers if they choose, while others warned that state regulation of interchange could reduce fraud protections and harm consumer rewards programs. Small business owners and trade groups described rising costs and thin margins, saying card fees are now among their largest expenses and are often charged on money that is merely passing through the business, such as sales tax and gratuities. Restaurant representatives said the current system shifts fraud and chargeback losses onto merchants, with little ability to negotiate rates or recover disputed funds, and argued that transparency and fee relief would help keep independent businesses open. Retailers gave similar testimony, citing rising swipe fees, complex statements, and the burden of online and phone transactions. A representative from the airline industry opposed interchange reform, arguing that airline credit card rewards are popular with consumers and support travel and jobs in Massachusetts. Credit union representatives cautioned that state-level interchange limits could weaken fraud prevention and force higher rates or reduced services, while the National Restaurant Association and a payments-policy attorney countered that banks and networks already operate under fee caps in other contexts and that interchange rates are fixed rather than competitive. Commission members asked questions about how chargebacks work, how fees are broken down, whether businesses can negotiate with processors or POS providers, and how consumer behavior has shifted toward cards, online ordering, and delivery since the pandemic. No votes or formal actions were taken during the hearing.