Transcript Highlights:

• We have a local care in support on Zoom. It's office.
• Aloha care in support on zoom. As in all members.
• I still care brings on you officers in the 26 academy.
• We believe we should take a careful approach at this.
• We already have a shortage of long-term care beds in the community.

Bills: HCR93 , HCR14 , HR85

Committee: House Finance

Keywords: image-based sexual abuse, working group, gender-based violence, Hawaii Commission on the Status of Women, prevention efforts, survivor protections, new technologies, legal reform, HCR14, House Concurrent Resolution, perpetual easement, non-exclusive easement, state submerged lands, submerged lands, shoreline easement, drainage outfall, stormwater outfall, lagoon outfall, pipelines, Kahala Hotel & Resort

Transcript Highlights:

• So this represents state-of-the-art skilled nursing care, memory care as well, with a number of great
• Kobe, would you care to elaborate on that? So...
• about, and I want to just say I care about it too.
• Access to child care is essential for working families and for a functioning economy, but child care
• So please care for us so we can care for our people. Thank you. Thank you.

Keywords: 987, senate, all

Transcript Highlights:

• for our seniors, both the home and community-based care.
• My question, though, as someone who cares about how we're...
• I want to shift gears to the health care budget and health care appropriations.
• And I know that there's a health care committee later today.
• We just don't know where those monies got directed to.

Bills: S7010

Committee: Senate Appropriations

Keywords: Roth contributions, deferred compensation, retirement savings, Florida Statutes, tax benefits

Summary: The Senate Committee on Appropriations met to take up SB 7010 by Senator Mayfield, which would authorize Roth post-tax contribution options in state and local deferred compensation plans. The bill was briefly explained, received one appearance in support, had no debate, and was reported favorably by roll call vote. The committee then heard a lengthy presentation from the Governor’s Office of Policy and Budget on the governor’s recommended $117.4 billion “Floridians’ First Budget.” The presentation highlighted major spending areas including education, health care, public safety, transportation, environmental restoration, and economic development. Key proposals included increased FEFP funding for K-12 schools, teacher salary funding, higher education support, Everglades and water quality funding, emergency preparedness reserves, corrections staffing and pay increases, law enforcement recruitment bonuses, cybersecurity, and affordable housing and infrastructure investments. Members asked extensive questions about property tax reserve planning, litigation funding, emergency response fund balances and expenditures, the use of federal reimbursement for the Everglades detention facilities, the animal abuse hotline, Hope Florida, corrections staffing, and the proposed reduction in ADAP eligibility for HIV/AIDS medication assistance. A member of the public also testified at length about concerns that the ADAP changes would harm access to life-saving medications and alleged improper shifting of program funds. Committee members and the presenter acknowledged follow-up questions on several items, but no additional votes or formal actions were taken beyond the favorable report on SB 7010 and adjournment.

Transcript Highlights:

• And of course, as you guys know, there is a direct correlation between the number of judges that you
• most of the Victims of Crime Act funding that we use, which goes directly, for the most part, to direct
• We cannot mix substance abuse needs with intensive mental health care.
• We are seeing an increased need for intense mental health care.
• Residential programs ensure high quality. and timely medical care for members.

Keywords: 999, senate, all

Transcript Highlights:

• </c><00:36:31.040><c> Uh</c> care. Okay, let's keep rolling then. Uh care.
• </c> resources to take care of these horses. resources to take care of these horses.
• ,</c> through clear statutory direction, through clear statutory direction, national<01:40:20.960><c>
• </c><02:02:03.119><c> of</c> inspector out there to take care of inspector out there to take care of
• </c> but uh uh we always welcome direction but uh uh we always welcome direction from<02:54:36.000><c

Committee: Joint Select Federal Natural Resource Management Committee

Keywords: 916, all

Transcript Highlights:

• Those institutions are now to the point where they are starting to remove teaching faculty and direct
• Those institutions are now to the point where they are starting to remove teaching faculty and direct
• admissions program, now the largest direct admission program in the nation.
• I'm presuming that you're directing that toward me at the Chancellor's Office.
• Campus by offering direct access to a civil rights attorney and specialist.

Summary: The Assembly Budget Subcommittee on Education Finance met to review CSU and State Library budget issues, enrollment trends, the Capital Fellows program, and a Title IX update. Chair David Alvarez opened by stressing that CSU faces serious financial pressure, including a systemwide deficit and proposed cuts that he and several members said were too large and likely to harm access, course offerings, and student services. Public comment focused heavily on the Braille Institute Library, with patrons, staff, veterans, and advocates urging restoration of funding and warning that the proposed cut would severely affect blind and visually impaired Californians across Southern California. Several CSU faculty, staff, and union representatives also opposed the proposed reductions and warned of larger class sizes, fewer sections, and layoffs. On the CSU core operations item, the Department of Finance explained the Governor’s proposal to reduce ongoing General Fund support by about $375 million and defer a 5% base increase, while the LAO said CSU core funding would be roughly flat once tuition and targeted augmentations were considered, but warned that rising costs and prior shortfalls would still force campuses to cut spending. CSU’s Chancellor’s Office said the proposed cut would deepen existing problems, citing prior-year budget gaps, job losses, reduced course sections, and student-service reductions. Members pressed Finance and the LAO on whether cuts could be made more surgically, especially at the Chancellor’s Office or in institutional support rather than in instruction, and the LAO said the Legislature has flexibility to target cuts more specifically. CSU also described ongoing consolidation efforts, including shared services among campuses and the planned Cal Maritime/Cal Poly San Luis Obispo integration, while cautioning that savings are not yet fully known. The committee then discussed CSU enrollment. The LAO recommended holding enrollment targets flat because the budget does not add new funding, while CSU reported strong recent growth, including more California residents, record first-year enrollment, and expanded direct admissions and transfer pathways. Members questioned why some campuses with high demand turn away many applicants while others continue to lose enrollment, and CSU said it is shifting resources from campuses with sustained declines to those with demand, using a 10% below-target threshold. The committee also discussed whether enrollment declines mirror local population trends, how to improve marketing and program alignment, and whether lessons from Cal Poly Humboldt’s conversion could inform other campuses such as Sonoma State. The Capital Fellows item drew a Finance proposal for a salary increase and an LAO counterproposal for a smaller raise plus future COLA language; the committee kept the item open. Finally, CSU reported progress on Title IX compliance, saying it has completed most State Auditor recommendations, expanded civil rights staffing, and increased training, prevention, and case-management efforts, though members asked how proposed budget cuts might affect those services.

Transcript Highlights:

• Thanks for taking care of me in my absence.
• With that, I'm happy to answer any questions or direct you to the bill's sponsors.
• Members of the Missouri House, please direct your attention to the dais.
• We're taxing people out of their homes, but yet nobody cares.
• Nobody cares that their neighbors down the road are getting taxed out of their house.

Keywords: 959, house, all

Transcript Highlights:

• However, I need to be direct.
• It's alarming to think that from care.
• </c> Senate position related to health care Senate position related to health care facilities<01:40:36.719
• :50.800><c> Cannabis</c><01:42:51.199><c> Management</c> direct the Office of Cannabis Management direct
• Uh and in regards to the direction.

Keywords: 1187, senate, all

Transcript Highlights:

• long-term care uh to quality of care in long-term care settings settings settings uh<00:01:08.640><c
• </c> rather than delivering care rather than delivering care um<00:01:22.720><c> drives</c><00:01:23.320
• </c><00:02:13.760><c> about,</c> that we love and care about, that we love and care about, uh,<00:02:
• </c><00:07:17.919><c> care</c><00:07:18.160><c> of</c> funds received on the direct care of funds received
• on the direct care of residents,<00:07:18.960><c> that</c><00:07:19.160><c> there</c><00:07:19.919><

Committee: Senate Human Services

Keywords: 1187, senate, all

Transcript Highlights:

• First, the legislation directs the State Department of Agriculture to develop a statewide food security
• This legislation is an important step in the right direction.
• They're both directing the state to ignore treaty fishing rights. So we have never abided by them.
• As such, the bill appropriately directs WSDA in leading a coordinated statewide strategy.
• It directs the WSDA to develop this comprehensive strategy.

Bills: HB2104 , HB2554 , HB2619

Committee: Senate Agriculture & Natural Resources

Keywords: aviation, wildland fires, funding, disaster relief, emergency response, tribal rights, fishing rights, salmon management, state-tribal agreements, natural resources, agriculture, regulations, farming, compliance, economic impact, 904, all

Transcript Highlights:

• The idea that it's mixed-income is certainly the direction this state should take.
• I can tell you that from direct experience.
• I can tell you that from direct experience.
• They get health care. They get benefits. They get pensions. That's all great.
• They get health care. They get benefits. They get pensions. That's all great.

Summary: The hearing was an outcome review of AB 2011, the Affordable Housing and High Road Jobs Act of 2022, focused on whether the law is being used as intended to speed housing production on commercially zoned land while maintaining labor and affordability standards. Chair Haney and Assembly Member Wicks emphasized that the point of the review was not to relitigate the bill, but to assess implementation and results. The first panel of researchers and policy experts said AB 2011 has had real but still limited uptake so far, with roughly 5,800 homes proposed, entitled, or permitted under the law through 2024, concentrated mainly in San Francisco and Los Angeles counties. They also noted that the broader housing market remains constrained by high construction costs, interest rates, and flat rents, making it hard to isolate the bill’s effects from overall market conditions. Witnesses generally agreed that AB 2011 has been most effective for 100% affordable projects and for projects already using public subsidies or prevailing wage, where the ministerial process and CEQA streamlining help move developments forward. Several speakers described the law as a useful bargaining tool that can push jurisdictions to rezone or approve projects more quickly even when AB 2011 is not formally invoked. At the same time, developers and advocates said the mixed-income pathway is much less usable in most of the state because prevailing wage and the 15% affordability requirement add significant cost, especially in lower-rent markets. They also pointed to implementation issues such as narrow site eligibility rules, the “substantially surrounded by urban uses” test, industrial-use exclusions, and confusion about whether the law applies to homeownership projects. The second panel, made up of practitioners using the law, described specific projects that moved forward under AB 2011, including affordable housing developments in the San Joaquin Valley and large mixed-use projects in San Francisco. They said the law’s biggest benefit is certainty: projects that once took years to entitle can now move in months. However, they repeated calls for changes such as clarifying homeownership eligibility, loosening density and site restrictions, narrowing the industrial-use exclusion, and making the law easier to understand for developers and local staff. Members also raised concerns about uneven use across regions, especially the relative lack of AB 2011 activity in Los Angeles and Santa Clara County, and about the accuracy and lag in annual progress report data. The final panel, including the original sponsors, said they remain supportive of the law but are open to adjustments to reduce costs and improve usability while preserving labor protections and affordability goals.

Transcript Highlights:

• So you just heard about outcomes, something we all care deeply about.
• We get to direct it.
• I'm going to give you two direct stories.
• , including IEPs, evaluations, and ongoing care.
• , as well as including navigating IEPs, evaluations, and ongoing care.

Keywords: 988, house, all

Transcript Highlights:

• brokers collect and sell the personal information of millions of Californians without ever having a direct
• And so this is a small step, I think, in the direction of helping to corral that process.
• Someone hired a firm, signed a contract, and directed the effort.
• They don't care, oftentimes, whose image and whose voice they're going to use.
• Worse, some are delaying or avoiding legitimate medical care because they believe they found a miracle

Committee: Senate Privacy, Digital Technologies, and Consumer Protection

Keywords: 987, senate, all

Transcript Highlights:

• Senators, I direct your attention to a letter that was distributed to all your desks. Mr.
• We can put them in congregate care, take care of them a lot cheaper than you can put them in the emergency
• So I direct a nonprofit. You guys know that.
• So I direct a nonprofit. You guys know that. our economy. So I direct a nonprofit.
• We took care of that.

Summary: The Senate opened with roll call, prayer, the Pledge of Allegiance, and approval of the prior day’s journal. It then moved through routine committee reports and bill referrals, including printing and committee assignments for several Senate bills and House messages. Early action also included referral of Senate Concurrent Resolution 128 and multiple House and Senate bills to the appropriate committees or later orders of business. The chamber then took up several appropriations and policy bills on third reading. Senate Bill 1401, an appropriation to the Department of Health and Welfare for Public Health Services, was debated as a mix of federal pass-through funding, vaccine purchasing, laboratory testing, ARPA grants, HIV/hepatitis prevention, suicide prevention, and a transfer of the Idaho Home Visiting Program; it passed 21-14. Senate Bill 1423, dealing with the FAST Act and a framework for stablecoin payments, drew debate over efficiency, banking costs, state control, and privacy/risk concerns; it passed 22-13. Senate Bill 1429, a behavioral health appropriation and supplemental, was presented as a series of restorations and fund shifts tied to prior budget cuts and settlement obligations, and it passed 21-14. Senate Bill 1431, an appropriation and transfer for the Department of Water Resources, including aquifer monitoring and stream gauging/adjudication staffing, passed 26-7. The Senate also passed House Bill 855, revising lifetime fish and game license residency requirements from six months to five years, by a vote of 23-11. Later, House Bill 752, which would prohibit knowingly entering opposite-sex restrooms or changing rooms in government buildings and public accommodations except under specified exceptions, prompted extensive debate. Supporters argued it protected privacy, children, and women’s safety; opponents argued it criminalized transgender people, was discriminatory, and could harm Idaho’s reputation and economy. The debate continued at the end of the transcript, with the bill still under consideration.

Transcript Highlights:

• It's consistent with Idaho's recent policy direction.
• So we've been able to adjust and take care of that.
• This is really the last direction we should be moving in right now.
• This is really the last direction we should be moving in right now.
• This is really the last direction we should be moving in right now.

Summary: The House convened with a quorum, approved the journal, welcomed a substitute member, and received multiple Senate messages and committee reports. Several bills were introduced and referred, including measures on medical advanced healing, insurance/state property claims, stablecoins, solid waste, public assistance definitions, and foreign ownership of single-family homes. The chamber also advanced a number of bills to second or third reading, and adopted House Concurrent Resolution 32 on energy policy, which urged a focus on baseload energy sources, transmission, ratepayer protection, property rights, and aquifer protection; it passed by voice vote. The House passed a series of bills on the floor, including House Bills 838, 721, 817, 752, 680, 860, 875, 876, 877, 795, 826, 832, 843, and 872, along with Senate Bill 1373. The measures covered topics such as requiring draft policy bills with budget recommendations, plan review timelines for public projects, a mobile cigar business permit, restroom and changing-room restrictions, recorded investigative interviews of child abuse allegations, revisions to medical parental rights and emergency care language, vacancy-based budgeting calculations, the State Board of Education budget, vocational rehabilitation rent, a response to litigation over prior law, honey commission governance, CTE teacher recruitment, homeowners exemption proration, and ballot formatting. Most passed with comfortable margins, though House Bill 875 passed narrowly 35-34 and House Bill 752 drew substantial debate before passing 54-50-1. Debate was especially intense on House Bill 752, with supporters framing it as a protection for women’s privacy and safety and opponents arguing it would criminalize bathroom use and target transgender people. House Bill 875 also drew concern that codifying budget-calculation methods could constrain future budgeting flexibility, while supporters said it would improve transparency and prevent funding vacant positions. House Bill 876, the State Board of Education maintenance budget, prompted criticism over a 6.8% base reduction and warnings about layoffs and program cuts at colleges and universities. House Bill 826, 832, 843, and 872 were all considered under suspended rules and passed, and the House also adopted HJM 18 urging action against geoengineering, with members citing concerns about sky streaks and climate intervention. The House recessed and later returned to continue business, with additional Senate bills and House bills referred for committee action.

Transcript Highlights:

• is Jason Schmeltzer with the California Product Stewardship Council and Randy Pollock, representing CARE
• As the member mentioned, this is a follow-up to AB 863 from last year, taking care of some last final
• I know nobody who likes or who cares more about our 30 by 30 goals than the Assembly Member from San
• The same is true, unfortunately, for a wide range of cosmetics and personal care products, too.
• They have health care benefits. They have full training.

Summary: The committee heard a long agenda of natural resources and related bills, with several measures taken up as the committee reached quorum and many others moving on consent or with due-pass recommendations. Early items included AB 80 on carpet recycling, AB 452 creating a local process for state surf reserves, and AB 823 restricting microplastics in personal care and cleaning products. AB 80 drew broad support from recycling, labor, and environmental groups and was described as a follow-up to earlier carpet recycling reforms. AB 452 was backed by surf, tourism, environmental, and local government interests as a voluntary, community-driven way to recognize and protect surf breaks. AB 823 generated the most extensive debate, with supporters citing public health and environmental harms from microplastics and opponents warning the bill’s language could sweep in products such as sunscreens, cosmetics, and fragrance-encapsulation materials; the committee discussed possible ambiguity and EU comparisons before voting the bill out on a due-pass-as-amended basis to Environmental Safety and Toxic Materials. The committee also advanced AB 1046, which would create a narrow exemption from SB 1383 organic-waste requirements for certain crop preparers and tree nut processors that do not send organic waste to landfills. Agricultural witnesses said the bill would clarify that their operations already reuse byproducts and should not face duplicative reporting, and the measure passed with support from agricultural and rural county representatives. AB 252, the “Stop Laying Off Firefighters Act,” proposed year-round Cal Fire staffing; the author and Cal Fire supporters argued that wildfire conditions are now year-round and that maintaining trained crews would improve response and prevention, and the bill was sent to Appropriations. AB 571, a targeted CEQA exemption for the Southern California Veterans Cemetery in Anaheim, drew strong bipartisan and veterans’ support and also passed out. Later, the committee approved AB 1455, which would authorize emergency rulemaking and streamline future updates for ember-resistant building regulations after recent wildfire emergencies, and AB 687, which would let public agencies use forest-practice rules and timber-harvest plans for certain publicly funded fuel-reduction projects; AB 687 drew some opposition over scope and enforceability concerns but was still advanced. The committee also moved AB 652, allowing alternate members on the San Diego County Air Pollution Control District board to prevent quorum problems, and AB 317, a first-time homebuyer housing bill that would exempt certain small, lower-cost homes from CEQA and defer some property taxes; AB 317 prompted discussion about guardrails to avoid unintended use on larger subdivisions. Finally, AB 900, requiring the Natural Resources Agency to develop a stewardship plan for 30-by-30 lands, was heard with broad support from land trusts and conservation groups and advanced on a due-pass recommendation, and AB 738, a wildfire-rebuild bill easing solar requirements for certain disaster survivors, was introduced and discussed with questions about its narrow scope and the number of homes affected.

Transcript Highlights:

• They may train the care providers on linguistic competency, cultural competency.
• Colin presented on how health care for people with disabilities changed during COVID.
• management and how health care was provided, and not for the better.
• , and individuals caring for older adults with disabilities.
• Take care of yourselves. Thank you. Hi. Thank you all.

Keywords: 995, all

Summary: The Massachusetts Permanent Commission on the Status of Persons with Disabilities met virtually and in person for its June meeting. Members approved the March meeting minutes and heard a chair’s report on recent “Meeting the Moment” community conversations, including the successful Lowell event and plans for a July 14 Northampton event and an October National Disability Employment Awareness Month celebration at the State House. The October event will include a panel with MassAbility on artificial intelligence and its impacts on people with disabilities, with discussion of both accessibility benefits and risks such as bias and discrimination. A major presentation came from the Supplier Diversity Office on its Empowering Abilities in Contracting and Employment (EAC) program. Staff described the program’s evolution from a pilot launched after 2016 legislation to a statewide policy now included in new state contracts. The program aims to increase certification of disability-owned and service-disabled veteran-owned businesses, expand workforce participation by people with disabilities, and use vendor reporting to track progress toward a 3% workforce goal. The office reported about 292 active certified businesses, roughly 40 vendors currently on EAC contracts, and expectations that the number of participating vendors will grow to about 130 by November. Commissioners praised the program and asked about its reach, data, and potential replication in other states or institutions. The advisory council update highlighted broad engagement across topics including accessibility, employment, youth transition, housing, health equity, transportation, technology, AI, and supported decision-making. Members were asked to share fact sheets and resources for posting on the commission website, and two council members will help plan the October employment event. Subcommittee reports followed: the employment subcommittee reviewed transition-to-employment barriers, the disability employment tax credit, veteran services, and a SEED policy brief; the workforce supports subcommittee discussed apprenticeships and a May webinar on addressing workforce barriers through apprenticeships; and the long-term services and supports/health equity subcommittee heard about care coordination training resources and a presentation on post-COVID health care inequities for people with disabilities. The executive director also reported on ongoing work with state agencies, MassHealth-related conversations, caregiver and aging issues, and AI planning. The meeting ended with commissioner announcements on the Paul Spooner Generational Leadership Summit and a Medicaid summit, followed by adjournment by vote.

Transcript Highlights:

• And this will just all shift, then, and these folks have to have care.
• of these people and be able to make sure that they need that level of care.
• Managed care is the law of the land.
• We have to take care of the problem.
• ResHab area, there are three different levels of care and the highest level of care is, you know, a

Summary: The House Health and Welfare Committee approved the February 2, 2026 minutes and then introduced RS 33180, the Prior Authorization Reform Act, sponsored by Representative Wheeler. Wheeler said the bill would set enforceable standards for insurer prior authorization, including public disclosure of criteria, electronic processes, decision timelines, specialty-appropriate reviews, and protections against retroactive denials. Members raised questions about whether the bill’s physician language could exclude advanced practice providers, and Wheeler said that language may need to be revisited before a full hearing. The bulk of the meeting was a wide-ranging budget discussion ahead of Health and Welfare’s budget presentation. Members debated possible Medicaid and department savings, including trimming optional services, reducing provider reimbursement cuts, using reserves, delaying or renegotiating contracts, expanding audits, and improving department efficiency. Several members argued against cutting disability, home- and community-based, and other vulnerable-population services, while others supported looking at Medicaid expansion, ResHab, and administrative overhead as places to find savings. There was also discussion of hospital rate reductions, work requirements, improper payments, and the use of Millennium Fund dollars. Representative Kaler presented specific ideas for the youth safety and permanency budget, including repealing the extended foster care expansion if participation remains low, reducing FTEs, and moderating benefit increases. Other members emphasized the need for evidence-based budgeting and stronger oversight of contracts and program integrity. No budget votes were taken; the committee mainly gathered ideas and directed members to provide more detailed numbers before the Health and Welfare budget hearing the next day.

Transcript Highlights:

• If you only care about the Jews that you agree with, is that actually fighting anti-Semitism?
• Shouldn't anti-Semitism care about all Jews?
• I work for a senior care organization, and I'm Jewish.
• I'm horrified by Israel's targeted attacks on hospitals and health care workers.
• So I urge you: let's be careful with our definitions. Reject the IHRA definition.

Keywords: 995, all

Summary: The commission held a public comment hearing as it continued work toward a November 30 statutory deadline for its final report. The co-chairs reviewed logistics for the hybrid format, two-minute testimony limit, respectful conduct, and the plan to alternate between in-person and virtual speakers. The commission approved the minutes from its previous September 8 meeting by motion and vote, with no nays. Much of the testimony focused on how the commission should define antisemitism, especially whether to adopt the IHRA definition and whether it improperly conflates antisemitism with criticism of Israel or Zionism. Many speakers, including Jewish educators, rabbis, academics, students, and legislators, described personal experiences with antisemitism and urged the commission to address hate while protecting free speech, academic freedom, and the ability to criticize Israeli government policy. Several called for the commission to reject or narrow the IHRA definition and instead consider the Jerusalem Declaration or other frameworks that distinguish antisemitism from anti-Zionism. Others emphasized that antisemitism should be addressed alongside racism, Islamophobia, white nationalism, and other forms of bias, and some urged broader anti-bias training in schools. A smaller number of speakers supported stronger action against antisemitism in schools and public institutions, including concerns about antisemitic materials in education and about organizations or events they viewed as promoting hate. A recurring theme was the conflict in Gaza and its impact on the debate: some speakers condemned Israel’s military actions as genocide, apartheid, or colonialism and said criticism of those actions should not be treated as antisemitic, while others defended Israel, rejected genocide claims, and argued that anti-Israel activism can fuel antisemitism. Several speakers also raised concerns about campus discipline, union materials, and state facility rentals, and one speaker asked that state resources not be used by groups they viewed as inciting hate. No additional votes or formal actions were taken beyond approving the prior minutes and hearing public testimony.

Transcript Highlights:

• “I particularly care for all this digitization, you know.
• The cost of them may not always be direct.
• The cost to them may not always be direct.
• So every direct deposit that they have set up, every direct ACH payment that they have set up for their
• We try to take care of them.

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.