Transcript Highlights:

• The Genius Act is very clear that payment stablecoin issuers are subject to state and federal consumer
• Genius Act is very clear that payment Genius Act is very clear that payment stable<00:26:34.720>
• <00:31:29.520> protection even though state consumer protection even though state consumer
• If Wyoming is issuing what is a payment stablecoin but not a permitted payment stablecoin, can it be
• One is like programmable payments.

Keywords: 1189, house, all

Summary: The meeting began with roll call and introductions of commission members and guests, followed by approval of the agenda and a motion to approve the February 10 minutes with a correction clarifying that one quoted statement was misattributed. The commission then moved into presentations. The main presentation came from the Conference of State Bank Supervisors on implementation of the federal GENIUS Act for stablecoins. The speaker reviewed the OCC’s recent 367-page proposed rule, noting it raises many open questions and design choices for states, and discussed expected upcoming rulemaking from the FDIC, Federal Reserve, and Treasury. The presentation focused on six areas: permissible issuer activities, reserve assets and redemption, risk management and supervision, treatment of state-qualified issuers, capital/operational backstops, and foreign issuers. It also flagged unresolved issues around Bank Secrecy Act/AML requirements and the meaning of “digital asset service provider” activities. A substantial portion of the discussion addressed yield restrictions, with the presenter explaining the OCC’s broad definition of yield and its rebuttable presumption against issuer-affiliated or related third-party yield arrangements. The speaker said this likely forecloses many existing white-label structures but leaves some room for third-party payments depending on distance from the issuer, and noted ongoing Senate debate over similar provisions. The presentation also covered reserve valuation, liquidity and diversification requirements, redemption timing, and supervisory expectations such as third-party oversight, IT security, exam cycles, and reporting. No additional votes or formal actions were taken beyond approving the amended minutes.

Transcript Highlights:

• motor vehicle payments.
• card instead of getting behind on their payments due to wait times or slower payment methods.
• Clay Shotsak: To be clear, a Clay Shotsak: one-time payment, they could be making a one-time payment
• of multiple payments if they were behind by multiple months.
• Are you asking like a recurring payment, like an autopay?

Transcript Highlights:

• For the state-directed payments, no.
• The remaining 30% of the cost is borne by the consumer in the form of, say, co-payments, which is a fixed
• consumer.
• Passed by the legislature over the last 10 years, which per month on a consumer, individual consumer
• No, I know, but that's per consumer.

Keywords: 907, all

Summary: The committee held an informational hearing focused first on Oregon Medicaid coordinated care organization (CCO) finances and rate setting. Oregon Health Authority staff explained how 2025 CCO financial results will inform 2027 capitation rates, including reserve requirements, subcapitation arrangements, and major cost drivers such as behavioral health, pharmacy, rural hospital costs, and dental directed payments. They said the Legislature’s added 2025 funding materially improved CCO margins and that, without it, the program would have been negative overall. Members asked about retained earnings, subcapitation, behavioral health utilization, ABA therapy, and whether outcomes are being evaluated; OHA said rate setting is actuarial and that CCOs, OHA, and other partners all play roles in monitoring efficacy and access. OHA also reviewed House Bill 4039 changes intended to increase transparency and give CCOs earlier access to rate information and reconciliation exhibits. CCO representatives then testified that the system is under significant financial pressure and that behavioral health state-directed payments, benefit changes, and federal uncertainty from H.R. 1 are reducing flexibility. CareOregon said it has lost more than $500 million over the last couple of years and is now making provider terminations and other network changes to align spending with available funding, while emphasizing that CCOs must make hard decisions about which services and providers can be sustained. Eastern Oregon CCO said rural and frontier factors, cost-based hospitals, air ambulance needs, and statewide efficiency adjustments are not fully reflected in rates, and that dental funding is especially strained. Trillium similarly warned that state-directed payments and benefit expansion pressures are constraining the global budget model and that H.R. 1 could worsen acuity and volatility. Members pressed the witnesses on who is responsible for evaluating treatment effectiveness, especially for ABA and psychotherapy, and on how utilization limits and reimbursement changes are being used to control costs. The committee then shifted to an overview of the Affordable Care Act and Oregon’s commercial insurance market. Department of Consumer and Business Services staff explained actuarial value, metal tiers, premium tax credits, medical loss ratio rules, and the main drivers of premium rates: cost trend, utilization trend, and administrative costs. They said mandates have likely added only a limited amount to premiums over the past decade, though the exact effect is difficult to isolate, and they gave examples of how high-cost, low-volume services versus broad, high-utilization services can affect rates differently. Staff also noted that Providence Health Plan and PacificSource Health Plans are withdrawing from the individual market, though consumers should still have at least three insurer options in every county and may have four in many counties. The division said it is in the middle of reviewing proposed 2027 rates and will continue its public rate review process, including hearings and written comment.

Transcript Highlights:

• It's good for consumers.
• or a City of Boston tax payment. ...a fee at the Registry of Motor Vehicles, or a state tax payment,
• or a City of Boston tax payment.
• And that's one of the things as we move to biometric payments and other forms of payments: security is
• Consumers going to any of these practitioners may ask the questions that they should, as any consumer

Keywords: 995, all

Summary: The committee opened a hearing of the Joint Committee on Consumer Protection and Professional Licensure and reviewed a broad agenda including credit card fees, event ticketing, music therapy licensure, senior psychologist licensure, CPA pathways, school mental health licensure, and a bill regulating alternative healing therapies. The chairs explained hearing logistics, including three-minute testimony limits and submission of written testimony, and noted that more than 70 people had signed up to testify. Legislators and advocates were heard out of order throughout the day. A major portion of the hearing focused on credit card surcharge and interchange legislation. Restaurant owners, the Massachusetts Restaurant Association, NFIB, and other small-business witnesses supported bills allowing merchants to add convenience fees and, in one proposal, preventing card companies from charging fees on tax and tip portions of transactions. They argued that swipe fees are a major and growing cost, especially for restaurants, and that Massachusetts is one of only two states that bars surcharges. Opponents from the Cooperative Credit Union Association, the Electronic Payment Coalition, and the Electronic Transactions Association warned that the proposals would create compliance burdens, fragment the payment system, raise legal preemption issues, and disrupt a system they described as efficient and secure. The committee also heard competing testimony on ticket transferability and ticket resale. Supporters, including the National Consumers League and Sports Fans Coalition, said bills on ticket transferability would protect consumers who cannot attend events and would increase competition and savings in the secondary market. Opponents, including United Musicians and Allied Workers and theater owners, argued that mandatory transferability would weaken artists’ and venues’ ability to prevent scalping and predatory resale, and that some ticket sellers should be exempt from the broader ticketing regulations. Separate testimony supported music therapy licensure, senior psychologist licensure, and new CPA education pathways, with witnesses saying these measures would expand access to care and strengthen the workforce while maintaining professional standards. The hearing also drew extensive opposition to S.261 on alternative healing therapies, with practitioners and clients arguing it would overregulate spiritual and holistic practices and was not an effective response to human trafficking concerns.

Transcript Highlights:

• The default rate against consumers in these cases is unusually high.
• Debt collectors use the threat of civil arrest to obtain payments from unrepresented low-income consumers
• advocates who work directly with consumers.
• Consumers deserve to know who is contacting them and why.
• ...getting payments, you know. How about these late fees?

Keywords: 995, all

Summary: The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens. A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first. The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.

Transcript Highlights:

• and suspend enactment of consumer and suspend enactment of consumer protection<00:02:58.800>
• loan this is why we need the Consumer loan this is why we need the Consumer Financial<00:26:57.159
• /c> Consumer Financial Protection Bureau Consumer Financial Protection Bureau student<00:33:42.039>
• practically no Financial consumer practically no Financial consumer Watchdog<00:50:03.760> to
• Fargo a few years ago had a payment Fargo a few years ago had a payment scheme<00:56:05.960>

Keywords: 1187, senate, all

Transcript Highlights:

• GDP rose 2.5% in 2024, bolstered by resilient consumer spending.
• Consumer Bureau when supervising those large banks, correct?
• One of the things that has also impacted consumers is inflation.
• It's returned $20 billion to consumers.
• It consumes information, but it Never releases it.

Bills: SB257

Keywords: supply chain resilience, critical supply chains, critical goods, manufacturing, domestic manufacturing, reshoring, nearshoring, supply chain security, supply chain shock, supply chain disruption, critical infrastructure, emerging technologies, semiconductors, microelectronics, artificial intelligence, quantum computing, robotics, advanced manufacturing, blockchain, cybersecurity

Transcript Highlights:

• Before consumers can be harmed.
• It strengthens consumer protections.
• The California Consumer Privacy Act, which allows the sale of personal data unless the consumer opts
• And so we need to protect our consumers.
• We know that our consumers want to engage.

Summary: The Assembly Insurance Committee heard several bills, with most of the discussion focused on insurance transparency, claims handling, privacy, and regulatory enforcement. SB 877 and SB 878 by Senator Pérez addressed post-disaster claims practices: SB 877 would require insurers to disclose original and revised loss estimates and related claim materials to policyholders, while SB 878 would add automatic interest penalties for delayed claim decisions or payments and require written identification of disputed items. Fire survivors, consumer groups, AARP, the Department of Insurance, and other advocates supported both bills, while insurer groups moved to neutral after amendments. Both bills were voted out on roll call and reported to the Committee on Appropriations. The committee also considered SB 1054 by Senator Cabaldon, which would expand data sharing and reporting to improve workforce program evaluation and help counties verify work requirements for Medi-Cal and CalFresh using employer-reported hours worked. County officials, workforce advocates, and the Department of Insurance supported the measure, and no opposition was heard. The bill passed on a due-pass-as-amended motion to the Committee on Labor and Employment. SB 1209 by Senator Allen, presented with Insurance Commissioner Ricardo Lara, would give the commissioner stronger enforcement tools to require insurers to carry out corrective actions identified in market conduct examinations, including fines and hearings for noncompliance. The commissioner and author said the bill would close an enforcement gap and improve accountability; there was no opposition testimony, but the bill was left on call after the roll. The committee also heard SB 354 on insurance privacy, presented by Senator Padilla on behalf of Pro Tem Limón, which would modernize insurance privacy rules by expanding consumer rights over personal data, limiting sale and use of sensitive information, and increasing disclosure requirements. Supporters said the bill updates outdated 1980s-era rules, while insurers, agents, and business groups raised concerns about scope, compliance burdens, and small-business impacts. Members indicated the bill was still being negotiated and would return in a revised form in the Privacy Committee.

Transcript Highlights:

• Payments from the department.
• over consumer interests.
• One, training providers helps them take effective care of consumers, which will help consumers remain
• be they family members or someone from the registry, could help consumers ...help consumers connect
• a one-time payment.

Summary: The joint Assembly Budget Subcommittee hearing focused first on long-term services and supports for older adults, especially the “forgotten/overlooked middle” who earn too much for Medi-Cal but cannot afford private long-term care. Administration witnesses from DHCS, the Department of Aging, and Social Services described Medicare’s limited long-term care coverage, Medi-Cal’s role, the elimination of the Medi-Cal asset test, and ongoing state studies and listening sessions on financing options. Testimony from advocates and researchers emphasized rising homelessness among older adults, the need for better navigation and coordination across health, aging, housing, and social service systems, and short-term policy steps such as share-of-cost reform, housing stability supports, and protecting home- and community-based services. Members highlighted the need for a coordinated, no-wrong-door approach and asked for the most impactful budget investments to address affordability and homelessness risk. The second major topic was the Community-Based Adult Services (CBAS) program. CDA reported that CBAS helps participants remain in the community, that 304 centers operate statewide serving about 42,000 people, and that demand is stable but access gaps remain in some regions. DHCS explained that a 2024 rate increase authorized by SB 159 became inoperative after Proposition 35, and that a separate 10% rate change on the fee schedule was the result of a DHCS system error; the department said it would not require recoupment, though managed care plans may act under their contracts. CBAS providers and advocates warned that reimbursement rates have not kept pace with costs, that several centers have closed, and that clawbacks could trigger more closures. They requested $74.8 million ongoing General Fund to close part of the rate gap and preserve the program, while members expressed concern about closures and the cost savings of keeping people out of more expensive institutional care. The hearing then moved to In-Home Supportive Services (IHSS) and statewide collective bargaining. CDSS reviewed provider recruitment and retention efforts, including electronic timesheets, direct deposit, and the now-completed IHSS Career Pathways program, which trained more than 59,000 providers. CDSS also summarized its AB 102 workgroup report on statewide versus regional bargaining, saying the final report would be sent to the Legislature soon and that statewide bargaining appeared more viable than regional bargaining, though it would require clear statutory scope and major fiscal changes. The department estimated that each $1 per hour statewide wage increase would cost at least $1.3 billion to $1.5 billion annually. Labor advocates argued that IHSS wages, benefits, and training are too inconsistent across counties and called for statewide bargaining, consumer participation, and ongoing state funding. County representatives supported stronger wages but cautioned that counties need protection from new costs and administrative burdens, and consumer advocates warned that moving bargaining to the state could weaken local consumer control and the program’s consumer-driven structure.

Transcript Highlights:

• This is consumer protection.
• This is consumer protection.
• Instead, they risk destabilizing a payment ecosystem. ...benefit consumers.
• We see consumer spending.
• The risk of non-payment, a consumer defaulting on their credit card payment, transfers from the merchant

Keywords: 995, all

Summary: The Joint Committee on Financial Services heard testimony on several bills focused on financial security, banking regulation, and payment-card fees. Treasurer Deborah Goldberg supported the Massachusetts baby bonds proposal (H. 48) and also endorsed bills on matched savings (H. 1158/S. 737) and retirement planning/Secure Choice (H. 1143/S. 722), arguing these measures would help address wealth inequality, build assets, and improve retirement readiness. Supporters of baby bonds included policy experts and health advocates from Children’s Health Watch and Boston Medical Center, who said early-life asset building could improve long-term economic and health outcomes for children in low-income families. AARP also urged passage of the retirement planning bill, citing the large share of private-sector workers without access to an employer retirement plan. Representative Donato testified for H. 1143, describing it as a voluntary retirement-savings opportunity for workers at small employers. The committee also heard testimony on H. 3933, concerning the Massachusetts Credit Union Share Insurance Corporation, from former Bank Commissioner Mike Hanson, who defended the state’s full deposit insurance system for credit unions and savings institutions as a longstanding consumer-protection model. The Massachusetts Bankers Association raised concerns about the bill’s technical provisions and broader credit union/bank competitive issues, while the Cooperative Credit Union Association supported related legislation allowing modest compensation for credit union directors (S. 821/H. 1338) and flexibility for state financial institutions to grow through partnerships (S. 723). Bankers opposed those credit union bills, arguing they would upset a level playing field and blur long-standing distinctions between banks and credit unions. A major portion of the hearing focused on H. 1259/S. 688, which would prohibit card interchange fees on the tax and gratuity portions of restaurant transactions. Restaurant owners and the Massachusetts Restaurant Association testified in favor, saying the fees are a significant and growing expense, especially as most customers now pay by card; they argued the bills would save restaurants money without affecting state revenue. Credit union, banking, and payments-industry representatives opposed the bills, saying interchange helps fund fraud protection and payment infrastructure, that the proposal would create compliance burdens and likely litigation, and that it would mainly affect Massachusetts-chartered institutions while national banks could be preempted. Committee members noted that a commission on payment-card fees is being established and said the issue would be studied further. The hearing also included support for a separate bill on virtual credit cards for dental providers, with dentists saying automatic virtual-card payments impose hidden processing fees and fraud risks.

Transcript Highlights:

• and instead move toward value-based payments, population-based payments, and episodes of care.
• Value-based payments, population-based payments, and episodes of care are designed to incentivize quality
• They only want to do value-based payment.
• You cannot be an educated consumer.
• get a bonus payment.

Keywords: 1184, house, all

Transcript Highlights:

• THE NEXT ONE IS NURSING HOME CONSUMER SATISFACTION SURVEY.
• ENABLES A METHODOLOGY FOR QUALITY INCENTIVE PAYMENTS AND IMPROVES CONSUMER UNDERSTANDING FOR BETTER CARE
• WE ATE CONSUMERS MAKING INFORMED HEALTHCARE CHOICES.
• LASTLY WE HAVE OUR HOSPITAL DIRECTED PAYMENT PROGRAM.
• WHICH COULD INCLUDE SYSTEMIC ISSUES WHEN THE PLANS DO NOT UPDATE PAYMENT AMOUNT OR CODES CAUSING PAYMENT

Transcript Highlights:

• Members, House Bill 2933 is an omnibus insurance consumer protection bill.

Bills: HB1322, HB2015, HB2933, HB2941, HB2959, HB2977, HB2981, HB3040, HB3055, HB3062, HB3087, HB3115, HB3134, HB3244, HB3297, HB3298, HB3299, HB3304, HB3319, HB3321, HB3322, HB3323, HB3345, HB3407, HB3471, HB3497, HB3500, HB3505, HB3544, HB3581, HB3648, HB3755, HB3764, HB3765, HB3767, HB3906, HB3974, HB3982, HB4104, HB4105, HB4106, HB4107, HB4108, HB4126, HB4130, HB4139, HB4144, HB4170, HB4202, HB4226, HB4227, HB4236, HB4260, HB4343

Keywords: domestic violence, offenders registry, public safety, law enforcement, victim protection, conviction records, landlord, tenant rights, rental agreement, housing safety, tenant protections, insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, fentanyl, overdose, first responders, drug reporting

Transcript Highlights:

• It's used around the world; over six billion doses have been consumed by humans around the world.
• Okay, so you want consumers in your community to be able to go to a pharmacy and take a very dangerous

Bills: SB 3, SB 16, SB 2, SB 5, SB 10, HB17, SB 54, SB 9, SB 7, SB 17, SB 4, HB8, HB25, HB26, HB192, HB8, HB25, HB26, HB48, HB149, HB192, HB254, HB17, SB54, SB9, SB7, SB17, SB4, SB3, SB16, SB2, SB5, SB10

Keywords: flash flood, flood warning, outdoor warning siren, emergency alert, disaster preparedness, flood mitigation, Hill Country floods, Texas Water Development Board, municipalities, counties, local government mandate, public safety, grant program, backup power, weather siren, emergency management, flood-prone area, warning system, real property theft, real property fraud

Bills: SB 3, SB 16, SB 2, SB 5, SB 10, HB17, SB 54, SB 9, SB 7, SB 17, SB 4, HB8, HB25, HB26, HB192, HB8, HB25, HB26, HB48, HB149, HB192, HB254, HB17, SB54, SB9, SB7, SB17, SB4, SB3, SB16, SB2, SB5, SB10

Keywords: flash flood, flood warning, outdoor warning siren, emergency alert, disaster preparedness, flood mitigation, Hill Country floods, Texas Water Development Board, municipalities, counties, local government mandate, public safety, grant program, backup power, weather siren, emergency management, flood-prone area, warning system, real property theft, real property fraud

Bills: SB 3, SB 16, SB 2, SB 5, SB 10, HB17, SB 54, SB 9, SB 7, SB 17, SB 4, HB8, HB25, HB26, HB192, HB8, HB25, HB26, HB48, HB149, HB192, HB254, HB17, SB54, SB9, SB7, SB17, SB4, SB3, SB16, SB2, SB5, SB10

Keywords: flash flood, flood warning, outdoor warning siren, emergency alert, disaster preparedness, flood mitigation, Hill Country floods, Texas Water Development Board, municipalities, counties, local government mandate, public safety, grant program, backup power, weather siren, emergency management, flood-prone area, warning system, real property theft, real property fraud

Transcript Highlights:

• Um, modernizing payments.
• Um, modernizing payments.
• Um modernizing payments. We've had side. Um modernizing payments.
• rules around those payment stable coins. rules around those payment stable coins.
• They can use it for payments. They don't care what the payments are done for.

Keywords: 1189, house, all

Summary: The commission met to review stable tokens, real-world asset tokenization, and blockchain-based trust, approved the agenda and December 12 minutes, and heard a presentation from Anchorage Digital after postponing a planned Bitco presentation because of its IPO quiet period. Anchorage’s Melinda Delos, Joe Mioli, and Kevin Wasaki introduced the firm, describing it as a global digital assets platform and the first crypto-native institution in the U.S. to receive a federal banking charter. They said their approach emphasizes security, regulated custody and trading services, and responsible innovation for institutional clients, banks, states, and sovereigns. The presentation focused on post-Genius Act momentum in the stablecoin market. Anchorage said the law provided regulatory clarity and helped spur activity with major clients, including Athena, Tether, and Western Union. The speakers highlighted Western Union’s planned stablecoin as especially significant because it reflects adoption by a long-established traditional payments company, and they said the project illustrates how stablecoins can support programmable, real-time, interoperable payments. They also noted that Anchorage is providing issuance infrastructure for the Western Union project. The commission and presenters also discussed government uses of tokenized assets, including reserve legislation, digital assets for tax collection and fees, and a Marshall Islands initiative to use a tokenized sovereign bond for direct citizen payments. In response to a question, Anchorage said it would follow up on which states are using digital assets for revenue collection, mentioning Louisiana and Pennsylvania as examples. The banking discussion centered on remittances, instant payments, and interbank settlement, with Anchorage arguing that stablecoins can reduce settlement time, fees, and foreign exchange risk while improving traceability and auditability.

Transcript Highlights:

• of payments received by consumers prior to entering into a contract with a public adjuster.
• Key actions I took to safeguard consumers during the fires included advance payments on claims.
• ensure fair payments according with our law.
• Are you going to protect consumers for a year?
• is exceeding their mortgage payments, right?

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Transcript Highlights:

• It strengthens consumer protections.
• for her leadership in ensuring consumers are protected.
• Unlike the California Consumer Privacy Act, which allows the sale of personal data unless the consumer
• And so we need to protect our consumers.
• We know that our consumers want to engage.

Keywords: 988, house, all

Transcript Highlights:

• That will continue to be done by our Consumer Affairs Division.
• The division also licenses and regulates consumer credit companies.
• fund in order for us to pay the benefit payment.
• Next on page 130 is the Employment and Training Payments core.
• Next on page 130 is the Employment and Training Payments Corps.

Keywords: 959, house, all