Bills: HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB627

Keywords: Jefferson County, building regulations, zoning, public health, building commissioner, permits, construction, land use, county tax, lodging tax, Henry County, transient accommodations, hospitality industry, local act, sheriff, sheriff's office, task force, abandoned property, stolen property, unclaimed property

Transcript Highlights:

• you so much for funding us as we continue our research and growing our community partners and our digital
• you so much for funding us as we continue our research and growing our community partners and our digital
• and growing our community partners and and growing our community partners and our<00:16:45.360> digital

Bills: SB342, HB379, HB326, HB233, HB388, SB342, HB379, HB326, HB233, HB388

Keywords: land bank, land bank authority, local land bank authority, Alabama Land Bank Authority, tax delinquent property, tax sale, tax lien, redemption period, quiet title, blight remediation, vacant property, foreclosure, ad valorem tax, property tax exemption, intergovernmental agreement, county government, municipal government, redevelopment, brownfields, floodplain management

Transcript Highlights:

• being um you know maybe missing a digit being um you know maybe missing a digit in<01:02:16.880>
• Part one prohibits certain uses of and mandates disclosure for realistic digital imitations generated
• So, it reads, a realistic digital<02:01:32.320> imitation<02:01:32.880> of<02:01:33.040
• > an<02:01:33.199> individual<02:01:33.679> is digital imitation of an individual
• is digital imitation of an individual is used<02:01:34.239> in<02:01:34.480> violation

Bills: HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.

Bills: SB9, SB7, SB17, SB4, SB1, HB4

Keywords: school assessment, public education, accountability, transparency, education standards, STAAR, Texas Education Agency, TEA, public school accountability, school ratings, A-F ratings, assessment reform, student testing, benchmark tests, interim assessments, through-year assessment, diagnostic reports, college career military readiness, CCMR, local accountability plans

Summary: The Senate briefly convened and received a message from the House stating that the House was taking a vote. No bills, motions, or substantive policy matters were discussed in the exchange. Pursuant to a previously adopted motion, the Senate then adjourned until 7 p.m. on Thursday, August 21.

Bills: SB2784, HB23, HB247, HB1533, HB2011, HB2013, HB2273, HB2421, HB2464, HB3120, HB3424, HB3575, HB3788, HB4370, HB4809, HB5057, HB5084, HB5534, HB5668, HJR34, HB23, HB247, HJR34

Keywords: Somervell County, hospital district, board of directors, elections, local governance, staggered terms, third-party review, property development, local government, permits, construction inspection, regulatory authority, land development, liability, occupancy certificate, border security, tax exemption, ad valorem, real property, infrastructure

Transcript Highlights:

• Benjamin Wolfe was testifying on behalf of the Office of Capital and Forensic Writs and was testifying

Bills: HB115, HB 115, HB507, HB1765, HB1847, HB2046, HB2239, HB2328, HB2309, HB2417, HB2728, HB2794, HB3206, HB3566, HB3694, HB3744, HB4254, HB4697, HB4733, HB4915, HB5465, HB2813

Keywords: public funds, lobbying, political subdivision, government spending, transparency, HB 115, taxpayer-funded lobbying, local government lobbying, county association dues, municipal lobbying, lobbyist registration, Chapter 305, Government Code Section 556.0056, Local Government Code Section 89.002, county government, city government, injunctive relief, attorney's fees, state association of counties, sheriffs association

Transcript Highlights:

• Wolfe, your affirmation shows that you're here testifying on behalf of the office. of capital and forensic

Bills: HB 115, HB507, HB1765, HB1847, HB2046, HB2239, HB2328, HB2309, HB2417, HB2728, HB2794, HB3206, HB3566, HB3694, HB3744, HB4254, HB4697, HB4733, HB4915, HB5465, HB2813, HB115

Keywords: habeas corpus, postconviction, criminal procedure, indigent defense, scientific evidence, legal representation, judicial power, capital felony, criminal law, death penalty, attorney qualification, training standards, law enforcement, no-knock warrant, search warrant, peace officer, attorney workload, criminal justice, caseload limits, fair representation

Bills: SB127, SB456, SB482, SB659, SB739, SB816, SB1234, SB1666, SB1886, SB1980, SB2580, SB2611, SB2693, SB2776

Keywords: child abuse, reporting obligation, statute of limitations, negligence, legal professionals, human organs, criminal penalties, physician license, medical ethics, illegal trade, smuggling, human trafficking, felony offenses, law enforcement, authorized peace officer, peace officer definition, tracking equipment, communications access, electronic surveillance, cell phone records

Transcript Highlights:

• It heard some really compelling testimony about the failure of digital providers to protect the safety
• Following up on the protections in the SCOPE Act, this bill will mandate that digital service providers
• , contacts, or followers, and prohibiting the use of algorithms to show or promote content on the digital

Bills: SB1065, SB2117, SB2217, SB2363, SB2533, SB2742, SB2743, SB2881, SB2964, SB3013, SB3014

Keywords: SB 1065, handgun carry, license holder, concealed carry, open carry, government contracts, governmental entity, property lease, state agencies, local government, higher education, university, Texas Government Code, Penal Code 30.06, Penal Code 30.07, Penal Code 46.03, Second Amendment, gun rights, firearms, civil penalty

Transcript Highlights:

• Senate Bill 2881 asked the with digital providers and the safety of minors online.
• Following up on the protections in the scope act, this bill will mandate that digital service providers
• , contacts, or followers. and prohibiting the use of algorithms to show or promote content on the digital

Bills: SB1065, SB2117, SB2217, SB2363, SB2533, SB2742, SB2743, SB2881, SB2964, SB3013, SB3014

Keywords: SB 1065, handgun carry, license holder, concealed carry, open carry, government contracts, governmental entity, property lease, state agencies, local government, higher education, university, Texas Government Code, Penal Code 30.06, Penal Code 30.07, Penal Code 46.03, Second Amendment, gun rights, firearms, civil penalty

Bills: SB1065, SB2117, SB2217, SB2363, SB2533, SB2742, SB2743, SB2881, SB2964, SB3013, SB3014

Keywords: SB 1065, handgun carry, license holder, concealed carry, open carry, government contracts, governmental entity, property lease, state agencies, local government, higher education, university, Texas Government Code, Penal Code 30.06, Penal Code 30.07, Penal Code 46.03, Second Amendment, gun rights, firearms, civil penalty

Summary: The Senate State Affairs Committee heard testimony on Senate Bill 1065, which would require government property contracts to prohibit contractors from barring licensed handgun holders from carrying firearms on leased or owned public property, with civil penalties and attorney general enforcement for violations. Senator Hall and invited witnesses from the Texas State Rifle Association, NRA, and Texas Gun Rights argued the bill would close a loophole exposed by the State Fair of Texas gun ban and protect law-abiding Texans’ self-defense rights. Opponents, including Moms Demand Action/Everytown, said the bill would undermine event organizers’ ability to set site-specific safety rules and could increase liability and insurance costs. Public testimony was then closed and the bill was left pending. The committee next took up Senate Bill 2742, which would create civil penalties for independent school districts and officials who use public resources for electioneering, waive immunity defenses, and expand attorney general enforcement. Senator Hagan-Bood said current law bans the conduct but lacks meaningful penalties, making injunctions the only remedy. No public testimony was heard, and the bill was left pending. Finally, the committee heard Senate Bill 2743, also by Senator Hagan-Bood, which would allow a court to disqualify local prosecutors who refuse to prosecute election offenses and appoint the attorney general to handle the case, with a committee substitute adjusting the removal process through an adjacent-county judge. Opponents from the Texas Civil Rights Project argued the bill would undermine prosecutorial discretion and was vague and open to abuse, while a Harris County election official described past instances where alleged voter fraud cases were not pursued. After testimony, public comment was closed and SB 2743 was left pending.

Transcript Highlights:

• users report explicit deepfake material, offering greater protection for individuals from harmful digital

Bills: HB74, HB175, HB460, HB576, HB2271, HB2294, HB2874, HB3016, HB3133, HB3191, HB3458, HB3929, HB4063, HB4115, HB4394, HB74, HB175

Keywords: Puerto Verde, Port Authority, eminent domain, bonds, tax assessments, economic development, infrastructure, transportation, public welfare, child care, certifications, Texas Rising Star Program, grant program, disability inclusion, family income, affordability, economic impact, state study, cost analysis, government support

Transcript Highlights:

• Today, that decision-making is increasingly relies on digital content shared by artificial intelligence
• Of this is like a digital nutrition label, giving users a critical context without censorship. trip.
• respectfully urge your support for this Social Media Content Transparency Act. to help Texas lead in digital

Bills: HB74, HB175, HB460, HB576, HB2271, HB2294, HB2874, HB3016, HB3133, HB3191, HB3458, HB3929, HB4063, HB4115, HB4394, HB74, HB175

Keywords: Puerto Verde, Port Authority, eminent domain, bonds, tax assessments, economic development, infrastructure, transportation, public welfare, child care, certifications, Texas Rising Star Program, grant program, disability inclusion, family income, affordability, economic impact, state study, cost analysis, government support

Bills: SB 1079, SB 1243, SB 1504, SB 1579, SB 1708, SB 1844, SB 1851, SB 1879, SB 1921, SB 1951, SB 2237, SB 2238, SB 2406, SB 2407

Keywords: SB 1079, Texas, county government, commissioners court, Local Government Code, Chapter 263, surplus property, salvage property, data storage device, hard drive, electronic media, digital records, confidential information, protected information, privacy, records retention, information security, data destruction, device disposal, sensitive data

Summary: The meeting of the Senate Committee on Local Government was marked by significant discussions on multiple bills aimed at enhancing governance and protecting taxpayer interests. Among the notable legislations was SB1951, where Senator Paxton emphasized reforms to reduce erroneous penalty notices imposed by appraisal districts, eliminating the financial incentive for such penalties. The session concluded with public testimonies that highlighted the importance of transparency and accountability in taxpayer dealings. Additionally, Senator Middleton presented SB1504 and SB2237, focusing on the operational frameworks of local authorities and executive severance payments, respectively, both of which sparked considerable debate among committee members.

Transcript Highlights:

• The only really addition to what we funded was we did find some money for upping the pay of these forensic
• the<00:08:38.800> pay<00:08:39.200> of<00:08:39.440> these<00:08:39.839> forensic
• the pay of these forensic um examiners. the pay of these forensic um examiners.
• :55.440> And<00:08:55.760> one<00:08:56.000> of<00:08:56.080> the of forensic
• And one of the of forensic um examiners.

Keywords: 1183, house

Transcript Highlights:

• I was a student at the University of Illinois in the clinical forensic program and eventually got a PhD
• in clinical forensic psychology.
• I still participated in a lot of forensic-type activities and overseeing them, and then the funding ran
• I think it's important to get a forensic clinic going at both of those facilities, where they would be
• So, I do recommend that we try to bring in the UNM Forensic Group. I think I mentioned, Mr.

Transcript Highlights:

• independent interview rooms much like an independent interview rooms much like an independent digital
• audio recording device the file digital audio recording device the file from<02:04:22.280> the
• Our suspect was a 19-year-old young woman who we believed, based on what we thought was solid forensic
• Chairman, if I may, when it talks about new evidence, it does say, you know, forensic testing, a new
• testing a new scientific about forensic testing a new scientific understanding<03:14:12.560> sure

Keywords: 1191, senate, all

Transcript Highlights:

• law enforcement agency, especially under the Department of Law Enforcement—for example, there's a forensics
• department under the Florida Department of Law Enforcement—the forensic analysts there don't have arrest
• For example, there's a forensics department under the Florida Department of Law Enforcement.
• The forensic analysts there don't have arrest powers.

Bills: S0086, S0642, S0712, S0758, S0896, S1224, S1300, S1370, S1712

Keywords: unauthorized aliens, commercial motor vehicles, safety regulations, civil penalties, law enforcement, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, pyramid schemes, consumer protection, fraud prevention, legal affairs, penalties, justice, administrative commission, membership, state attorneys, public defenders

Summary: The committee met with a quorum present and took up a series of bills, beginning with SB 1300 on education and workforce development for current and former inmates. Senator Claudio explained that the bill is intended to expand collaboration between the Department of Transportation and the Department of Corrections to provide training opportunities tied to Florida’s need for CDL drivers. The bill was reported favorably without debate. Members then considered SB 896 on campus safety, as amended by strike-all and late-filed amendment. The bill would require postsecondary institutions to adopt active assailant response plans, conduct security risk assessments, improve threat reporting and information sharing, and allow voluntary participation in the guardian program; the late-filed amendment removed a prohibition on guardians wearing uniforms. After questions about the firearm-discharge provision near campuses and testimony both for and against, the committee reported the bill favorably. The committee also reported favorably SB 86 on commercial motor vehicles operated by unauthorized aliens, SB 642 on foreign and alien bail bond insurers, and confirmed appointees listed on tabs 10 through 19. The committee next heard SB 712 on pyramid promotional schemes, which would create a new prohibition and increase penalties while preserving legitimate direct sales plans. Members raised concerns about whether participants in such schemes might themselves be victims, and the sponsor said prosecutorial discretion would distinguish victims from primary wrongdoers; the bill was reported favorably. SB 1224 on rental housing application fraud was also amended and reported favorably after testimony from apartment and realtor groups in support. In the latter part of the meeting, Chair Martin presented SB 1370 to expand habitual traffic offender status to repeated unlicensed driving, and SB 1712 to create a statewide FDLE counterintelligence and counterterrorism unit. SB 1370 was reported favorably unanimously. SB 1712 drew extensive questioning and public opposition over concerns about broad language, surveillance, and possible impacts on speech and protest, but the sponsor said the unit would focus on protecting the state from adversary intelligence threats and operate within constitutional limits; it was reported favorably. Finally, SB 758 on the Justice Administrative Commission was amended to adjust commission membership and reported favorably unanimously. The committee then recorded additional votes for members and adjourned.

Transcript Highlights:

• identification cards, to authorize each secondary management board to make student ID cards available as digitized
• These activities include forensic interviews, medical exams, advocacy notes, mental health records, case
• Confidential information, as opposed to work product, is more appropriate because forensic interviews

Bills: HR223, HR224, HR225, HR226, HR227, HR228, HR229, HR230, HR231, HR232, HR233, HR234, HR235, HR236, HR237, HR238, HR239, HR240, HR241, HR242, HR243, HCR94, HCR95, HCR96, HCR97, HCR98, HCR99, HCR100, HR218, HR219, HR220, HR221, HR222, HCR91, HCR92, HCR93, SCR41, SCR42, SCR43, SCR44, SCR45, SCR46, SCR47, SCR48, SCR49, SCR50, SCR51, SCR52, SB259, SB347, SB398, SB469, SB483, SB518, HR37, HCR64, SCR11, SCR22, HB89, HB341, HB451, HB456, HB541, HB579, HB595, HB621, HB818, HB841, HB1064, HB1101, HB1165, HB1191, SB1, SB23, SB32, SB42, SB43, SB46, SB51, SB110, SB113, SB150, SB154, SB161, SB218, SB220, SB221, SB253, SB289, SB310, SB351, SB399, SB404, SB502, SB123, SB125, SB387, SB401, HB730, HCR41, HCR76, HCR77, HCR63, HCR69, HCR86, HR171, HCR49, HCR65, HCR72, SCR19, SCR3, SCR6, SCR18, HB64, HB68, HB92, HB130, HB175, HB198, HB437, HB457, HB488, HB646, HB763, HB909, HB971, HB981, HB1066, HB1089, HB1125, HB1154, HB1231, HB1246, HB1248, HB1249, HB276, HB508, HB512, HB599, HB632, HB656, HB998, HB1052, HB1084, HB1171, HB1193, HB1194, HB1204, HB1209, HB1250, SB47, SB82, SB106, SB206, SB210, SB248, SB305, SB376, SB397, SB441, SB2, SB19, SB24, SB50, SB70, SB96, SB101, SB103, SB104, SB114, SB122, SB159, SB160, SB173, SB180, SB182, SB260, SB412, SB418, SB424, SB442, SB460, SB476, HCR32, HB911, HB1223, HB798, HB824, HB989, HB1140, HB1166, HB1244, HB459, HB617, HB804, HB926, HB225, HB955, HB901, HB79, HR20, HR74, HB59, HB284, HB306, HB366, HB393, HB458, HB577, HB582, HB605, HB614, HB682, HB733, HB752, HB773, HB996, HB1035, HB1069, HB1113, HB1180, HB1203, HB1234, HB1240, SB89

Keywords: Southern Soul, Shreveport, tourism, economic development, cultural preservation, music history, Paul Hollis, United States Mint, Louisiana House of Representatives, commendation, honorary resolution, ceremonial resolution, public service, State Board of Elementary and Secondary Education, BESE, former legislator, Louisiana politics, recognition, tribute, House Resolution 224

Summary: The House convened with a quorum, prayer, pledge, and a series of personal privileges recognizing visitors and honorees, including Northside High students, the YMCA’s 175th anniversary, Literacy Day, Special Olympics Louisiana, a 75th wedding anniversary, police jurors, Young Marine Sergeant Valerie Uitt, Elmer’s, and other community guests. The chamber also received Senate messages, including refusal to concur in House amendments to SB 149, concurrence in several House measures, adoption of Senate resolutions, and passage of multiple Senate bills. House resolutions were introduced and many were adopted without objection, including measures honoring local events, organizations, and individuals, as well as resolutions on literacy, municipal day, firefighters appreciation, and sports-related commendations. Committee reports moved numerous House and Senate bills and resolutions forward, and members were urged to monitor the Senate calendar to ensure House bills had Senate sponsors before being returned late in session. Several bills were debated and passed. HB 175 created a Veterans Service Grant Fund funded by $500,000 annually from Louisiana Lottery net proceeds, overseen by a board within the Department of Veterans Affairs to award grants to eligible veteran-serving nonprofits, colleges, JROTC programs, veteran courts, and local governments; it passed after questions about the use of lottery proceeds and the role of nonprofits. HB 198 authorized ambulatory surgical centers to perform certain procedures and be reimbursed at Medicare rates, and HB 437 restricted expert witnesses from receiving contingency-style compensation tied to case outcomes after debate over ethics and whether the bill was necessary. HB 488 created the Bell Chase Bridge Merit-Based Special Fund to support the bridge toll buyback effort. HB 763 required a centralized public database of government settlement agreements and consent decrees, with confidentiality protections preserved, and passed after questions about sensitive cases. HB 989 required commercial health coverage for behavioral health crisis services, HB 971 addressed Medicaid reimbursement parity for rural health clinics, HB 981 created a law enforcement recruitment/retention incentive stipend for campus police at public postsecondary institutions, HB 1066 clarified that campus police are not eligible for state supplemental pay, and HB 1089 established care accounts for future medical expense awards, with amendments limiting certain case types and providing for reversion of unused funds. The House also reconsidered and defeated HB 225, a constitutional amendment to impose a lifetime gubernatorial term limit, and HB 730, concerning airport authority regulation of automatic dependent surveillance broadcast systems. Several resolutions were adopted, including HCR 76 continuing a health inequities task force, HJR 77 urging federal action on H-2B seasonal employer designation for the crawfish industry, HJR 67 creating a task force on military drivers without civilian licenses, and HCR 69 urging DOTD to study Interstate 12 safety improvements. The chamber adopted numerous additional commemorative resolutions and concurred in Senate resolutions recognizing sports figures, Mental Health Awareness Month, state observances, and school achievements. Overall, the day featured a mix of ceremonial recognitions, committee reporting, and floor action on veterans, health care, transparency, labor, transportation, law enforcement, and court-related legislation.

Transcript Highlights:

• offering survivors the opportunity to have a trained rape crisis center, advocate, present. during the forensic
• In closing, this bill reaffirms a parent's right to have a child. right to access all physical or digital
• It had to be with forensic evidence. that she was sexually assaulted by her killers and the additional

Bills: SJR57, SCR8, SB8, SB14, SB24, SB108, SB112, SB125, SB213, SB251, SB315, SB318, SB371, SB378, SB379, SB472, SB487, SB502, SB513, SB565, SB621, SB650, SB689, SB707, SB710, SB761, SB763, SB815, SB854, SB875, SB896, SB916, SB925, SB958, SB961, SB965, SB973, SB987, SB990, SB995, SB1006, SB1018, SB1019, SB1024, SB1026, SB1146, SB1194, SB1198, SB1253, SB1330, SB1343, SB1362, SB1379, SB1497, SB1498, SB1527, SB1532, SB1547, SB1596, SJR36, SJR12, SJR57, SCR22, SCR12, SCR8, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB14, SB1006, SB504, SB925, SB995, SB857, SB305, SB296, SB284, SB815, SB1379, SB1497, SB1499, SB1498, SB241, SB304, SB621, SB1023, SB1024, SB686, SB112, SB371, SB204, SB609, SB670, SB502, SB850, SB854, SB413, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB447, SB875, SB406, SB985, SB965, SB1119, SB1505, SB24, SB1194, SB1253, SB1215, SB1532, SB1302, SB856, SB650, SB583, SB673, SB213, SB681, SB1172, SB1252, SB378, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB761, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB896, SB1352, SB973, SB785, SB710, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB1547, SB961, SB1038, SB513, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB1198, SB1146, SB763, SB667, SB1059, SB617, SB1567, SB503, SJR37, SB16, SB310, SB311, SB396, SB505, SB1209, SB1210, SB1470, SB264, SB924, SB1029, SB1185, SB1202, SB1358, SB1364, SB1569, SB1697, SB1376, SB1228, SB519, SB878, SB1350, SB462, SB1535, SB827, SB1585, SB207, SB1207, SB1619, SB1396, SB920, SB1484, SB1273, SB1741

Keywords: central bank digital currency, CBDC, Federal Reserve, digital dollar, digital currency, cashless payments, financial privacy, cybersecurity, government surveillance, financial surveillance, money laundering, terrorism financing, illicit finance, banking policy, monetary policy, payments system, commercial banks, Texas Legislature, concurrent resolution, federal reserve digital currency