Video & Transcript Research : 'transaction security'
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CA
California 2025-2026 Regular Session
Assembly Banking and Finance Committee Apr 21st, 2025
Transcript Highlights:
- Now they're often 3% or more of the transaction amount.
- You're saying if a transaction is fraudulent, but there was a tax to the transaction, and then if it
- So every transaction has a tax, correct?
- , not just the sales tax portion of the transaction.
- transaction?"
Summary:
The Assembly Banking and Finance Committee heard several bills, beginning with AB 407, which would expand the California Pollution Control Financing Authority. The author said the measure would increase flexibility and access to resources, and the bill was approved 7-0 and sent to the Committee on Local Government. The committee also adopted the consent calendar, which included AB 76, by a 7-0 vote.
A lengthy portion of the meeting focused on AB 1065, which would prohibit swipe fees on the sales tax portion of credit card transactions. Supporters, including small business owners, restaurant and grocery representatives, and a payments-policy expert, argued the bill would reduce costs for merchants and consumers and rein in dominant card networks. Opponents, including banks, credit unions, and payment industry groups, argued the bill is likely preempted by federal law, would be difficult to implement, and could disproportionately affect community banks and credit unions. After extensive questioning about preemption, fraud, implementation, and consumer impacts, the committee rejected the bill on a 6-0 vote, but then granted reconsideration by a 7-1 vote.
The committee then heard AB 1365, which would create the Cal Account Program, a zero-fee, zero-penalty state banking account for unbanked and underbanked Californians. Supporters said the program would help low-income households, survivors of abuse, and others facing barriers to traditional banking, while opponents from community banks and credit unions argued existing low-cost accounts and the Bank On program already address the need and raised concerns about cost, feasibility, and duplication. The bill advanced on a 6-0 vote and later received enough votes on the reopened roll to move forward to the Committee on Labor and Employment.
The committee also approved AB 1052, which would create a legal framework for digital assets and address unclaimed digital property and restrictions on public officials issuing or promoting digital assets, and AB 1180, which would create a pilot program for paying state fees with digital financial assets and require a report on broader adoption. Both bills passed with broad support after brief testimony and discussion. Final roll calls later confirmed AB 1052 and AB 1180, along with AB 407 and AB 1365, were moved out of committee.
TX
Bills:
SJR27, SJR39, SB22, SB33, SB34, SB37, SB209, SB310, SB326, SB505, SB605, SB618, SB732, SB762, SB769, SB783, SB819, SB825, SB870, SB964, SB1030, SB1080, SB1085, SB1099, SB1124, SB1208, SB1233, SB1314, SB1320, SB1333, SB1398, SB1405, SB1541, SB1567, SB1596, SB1598, SB1625, SB1646, SB1662, SB1750, SB1758, SB1791, SB1804, SB1810, SB1818, SB1838, SB1855, SB1869, SB1951, SB2024, SB2077, SB2078, SB2252, SB2253, SB2368, SB2411, SB2420, SB2425, SB2569
Keywords:
judicial conduct, state commission, judicial misconduct, commission membership, constitutional amendment, veto override, legislature power, governor, Texas Constitution, Texas, moving image industry, incentive program, film production, grant funding, job creation, economic development, wildfire, wildfire mitigation, wildfire prevention, volunteer fire department
TX
Bills:
SJR27, SJR39, SB22, SB33, SB34, SB37, SB209, SB310, SB326, SB505, SB605, SB618, SB732, SB762, SB769, SB783, SB819, SB825, SB870, SB964, SB1030, SB1080, SB1085, SB1099, SB1124, SB1208, SB1233, SB1314, SB1320, SB1333, SB1398, SB1405, SB1541, SB1567, SB1596, SB1598, SB1625, SB1646, SB1662, SB1750, SB1758, SB1791, SB1804, SB1810, SB1818, SB1838, SB1855, SB1869, SB1951, SB2024, SB2077, SB2078, SB2252, SB2253, SB2368, SB2411, SB2420, SB2425, SB2569
Keywords:
judicial conduct, state commission, judicial misconduct, commission membership, constitutional amendment, veto override, legislature power, governor, Texas Constitution, Texas, moving image industry, incentive program, film production, grant funding, job creation, economic development, wildfire, wildfire mitigation, wildfire prevention, volunteer fire department
FL
Florida 2026 5th Special Session
Commerce and Tourism Feb 4th, 2026
Transcript Highlights:
- Customers to be displayed on the machine before a transaction.
- It requires refund protections for first-time transactions involved.
- handful of transactions.
- Data security and privacy are major concerns with this policy.
- And it's, and the security issues with all of this are it's a dream for the dark web and security issues
Summary:
The committee first took up SB 1236, which would condition state economic development incentives on employers at subsidized companies using secret-ballot union elections and prohibiting neutrality agreements. The sponsor said the bill is meant to protect workers and taxpayer dollars, and he noted he would amend the Attorney General enforcement language to allow appeals. Supporters argued it protects secret ballots and transparency, while opponents said it is a form of union-busting, could conflict with federal labor law, and would burden contractors and workers. After debate, the committee reported the bill favorably on a roll call vote, with Senators Bracey Davis, Smith, and Errington voting no and the remaining recorded votes in favor.
The committee then heard CS/SB 198, which regulates cryptocurrency kiosks to combat fraud, especially against seniors. The bill requires kiosk registration, fraud warnings, blockchain analytics, transaction limits, receipts, and refund protections for certain first-time transactions involving non-U.S. wallets. Supporters from consumer and senior advocacy groups said the bill would help stop widespread scams, while one industry witness praised the bill’s fraud protections but suggested narrowing the daily limits and new-customer period. The committee reported the bill favorably by roll call vote.
Next, the committee considered CS/SB 1356 on dog breeding, pet sales, and breeder registration. The sponsor described it as a work in progress aimed at ending inhumane breeding conditions, improving consumer disclosures, and creating breeder standards and penalties; an amendment removed state oversight of local animal shelters. Pet store representatives supported many animal welfare provisions but objected to the three-day financing waiting period, shelter-space requirements, expanded reimbursement, and litigation exposure. Animal welfare supporters backed the bill, and the committee reported it favorably.
The committee also heard SB 1722 on app stores and minors’ access to apps. The bill requires age verification, parental consent for minors, notice of app changes, and enforcement by the Department of Legal Affairs. Supporters said it would better protect children online and help enforce existing age-based restrictions, while opponents warned it could require overcollection of personal data, create privacy and constitutional problems, and duplicate tools parents already have. After debate, the committee reported the bill favorably. Finally, the committee took up CS/SB 422, which would bar use of ADS-B aviation data to calculate or collect certain airport fees, with an amendment adding departures to the covered activities. A pilot supported the bill as a safety and privacy measure, while airport advocates opposed it, saying it would undermine airport finances and force less efficient fee collection methods. The transcript ends during testimony on this bill, before final action is shown.
CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 049 Mar 4th, 2026
Colorado House Floor Meeting
Transcript Highlights:
- holds on suspicious transactions. holds on suspicious transactions.
- going on with these transactions. going on with these transactions.
- <01:22:56.000>
She transactions. There's a handful. She transactions. There's a handful. - this transaction?" this transaction?"
- providing from fulfilling a transaction providing from fulfilling a transaction that<01:56:46.320
TX
NM
New Mexico 2026 Regular Session
House - Chamber Meeting Feb 10th, 2026 at 11:16 am
New Mexico House Floor Meeting
Transcript Highlights:
- So these people that you're referring to, they do have some type of work permit and a Social Security
- So these people that you're referring to, they do have some type of work permit and a Social Security
- Visa, you are giving a Social Security number.
- Madam Chair, DACA recipients have a work permit and a Social Security number as well.
- Any U.S. citizen has to present proper documentation as well, as well as their Social Security number
Bills:
HB111, HB103, HB109, HB128, HJM2, HJM3, HM7, HM17, HM4, HM22, HM23, HM24, HM26, HM2, HM16, HM11, HM14, HM21, HM34, HM50, HB49, HB60, HB108, HB120, HB124, HB145, HB154, HB158, HB164, HB180, HB291, HJR6, HJR7, HR1, HJM1, HM13, HM47
Keywords:
water law, state engineer, civil penalty, compliance order, water rights, overdiversion, illegal diversion, groundwater storage and recovery, well license, permit violation, water enforcement, New Mexico water code, irrigation district, conservancy district, water diversion, unauthorized water sales, measuring device, district court appeal, water resources, water compliance
HI
Hawaii 2025 Regular Session
CPC Info Briefing - Wed Dec 3, 2025 @ 10:00 AM HST
Hawaii House Floor Meeting
Transcript Highlights:
- or walk you through what a transaction or walk you through what a transaction would<00:52:20.559
- And then we file currency transaction reports for transactions over $10,000, just like banks do.
- believe if it if it's a bank transaction believe if it if it's a bank transaction that<01:30:17.600
- was performed as well as the timing of your transaction that you performed the transaction.
- <01:50:44.560>
in office of homeland security in office of homeland security in partnership
Summary:
The committee held an informational briefing on fraud in the community, with presenters from ARP, CoinFlip, HPD, the Hawaii Bankers Association, DCCA’s Office of Consumer Protection, and the Department of Law Enforcement. The chair described widespread scams targeting kupuna and other residents, including impersonation of grandchildren, lottery/inheritance schemes, romance scams, online shopping fraud, investment scams, and tech-support scams. Members emphasized the emotional manipulation used by scammers, the difficulty of getting victims to report losses, and the need to educate the public on warning signs and available resources.
ARP said scams are an epidemic and highlighted national data showing major losses among older adults, including $4.8 billion lost by people age 60 and over in 2024. ARP focused especially on cryptocurrency kiosks as a growing scam channel in Hawaii, citing 64 complaints totaling $922,000 in 2024 and noting that complaints nearly doubled from the prior year. ARP urged stronger safeguards such as limits on transactions, refunds, live customer support, and a law-enforcement contact for operators, and said its Fraud Watch Network can help victims freeze credit, identify next steps, and track current scams. The chair said he intends to introduce legislation to lower and ultimately eliminate the amount of Bitcoin that can be purchased through ATMs.
CoinFlip said it supports consumer-protection regulation and described its compliance practices, including scam warning screens, anti-money-laundering controls, blockchain analytics, wallet pinning, transaction monitoring, and cooperation with law enforcement. The company said it is registered as a money services business, files suspicious activity and currency transaction reports, and holds money transmitter licenses in many jurisdictions. It also pointed to Illinois-style refund protections for new users and said it refunds fees to scam victims, though not the underlying funds. In response to committee questions, members and the company discussed whether crypto kiosks are necessary, how scams can be traced, and whether banks and kiosks can better intervene when suspicious activity is detected.
HI
Hawaii 2025 Regular Session
EDT-TCA, EDT Public Hearings 04-10-2025
Economic Development and Tourism
Transcript Highlights:
- Well, keep in mind our transactions.
- First up, uh security in the Pacific.
- the head of national security comes from Hawaii.
- the head of national security comes from Hawaii.
- Recommendation security in the Pacific.
Summary:
The Senate Committees on Economic Development and Tourism and on Transportation, Culture, and the Arts heard HCR 142, which urges the Hawaii Tourism Authority and Department of Transportation to expand the airport greetings program to display art in all neighbor island airports. Testimony from CARES supported the measure, emphasizing that public art and youth art competitions help educate keiki, strengthen cultural understanding, and support economic development through Hawaii’s creative industries. No one testified in opposition, and members raised no questions.
Both committees recommended passage of HCR 142 unamended. The measure was adopted by voice vote in each committee, with some members excused.
Later, the Senate Committee on Economic Development and Tourism heard HTR 102, which concerns translating the real estate salesperson exam into Japanese for timeshare-related sales. Supporters, including DBEDT and ARDA Hawaii, argued the change would help Japanese-speaking applicants, improve workforce recruitment, and support Hawaii’s timeshare industry and Japanese visitor market. A representative from APAC Hawaii supported the idea but suggested considering additional languages such as Korean, Chinese, and Filipino. Some senators questioned whether the proposal adequately addressed continuing education and long-term English proficiency, and the Real Estate Commission explained it does not currently issue a limited timeshare salesperson license and that the proposal would not restrict licensees from selling other real estate products.
The committee also heard HCR 156, which asks the Hawaii Technology Development Corporation to increase its focus on advanced manufacturing and cybersecurity to support economic diversification, high-wage jobs, innovation, and national security. HTDC and the Hawaii Military Affairs Council supported the resolution, citing the recent federal discontinuation of the local Manufacturing Extension Partnership program, Innovate Hawaii, and the loss of related staff positions as reasons to reinforce state support. Testimony and discussion stressed cybersecurity, supply-chain resilience, automation, and the need to sustain manufacturing momentum in Hawaii. Both HTR 102 and HCR 156 were recommended for passage as is and were adopted by the committee, with some members excused.
AZ
Transcript Highlights:
- Social Security numbers because that's one of the most important thing on a social security as a Social
- So there is a transactional fee. There is a transactional fee. Mr.
- So each transaction is its own individual transaction, but there's no compounding.
- So each transaction is its own individual transaction, but there's no compounding.
- I can’t complete that transaction.
Bills:
HB2118, HB2181, HB2308, HB2309, HB2402, HB2476, HB2682, HB2698, HB2875, HB2877, HB2903, HB2910
Keywords:
mobile food vendors, licensure, food safety, statewide regulations, health standards, zoning, temporary vendors, HB2181, death certificate, death certificates, vital records, funeral establishment, funeral home, human remains, medical certification of death, death registration, state registrar, local registrar, county medical examiner, alternate medical examiner
LA
Louisiana 2026 Regular Session
Commerce May 20th, 2026
Commerce, Consumer Protection, and International Affairs
Transcript Highlights:
- fee, and that transaction fee can go to the treasurer to actually administer the program.
- And if you want to do transaction with it, you can.
- And if you want to do transaction with it, you can.
- so certain consumers can transact with gold?
- Some company do these transactions so certain consumers can transact with gold.
Summary:
The committee took up several House measures. HCR 66, as amended, asked Louisiana Economic Development and the Governor’s Office of Rural Development to study rural parish assets, infrastructure, workforce, and development opportunities, and it was moved forward without objection. HB 387, a clarification to allow the fire marshal’s office to review architectural and engineering plans equally, also passed favorably without objection. HB 1223, which would have LED promote Louisiana’s clinical trial capacity and adjust internal review board processes, was amended and moved favorably. HB 950, aimed at helping older adults recognize and avoid fraud through materials and resources from the Office of Elderly Affairs, was reported favorably. HB 975, a routine measure to recreate the Public Service Commission, was also reported favorably. HB 1186, which would create a more uniform statewide building code and licensing system for inspectors, was amended and moved favorably. HB 1222, described as a Grocery Initiative Act to let LED identify ways to address food deserts and food insecurity, was introduced near the end of the meeting.
The most extensive debate centered on HB 617, a consumer transparency bill requiring mandatory fees to be included in upfront pricing. The author said the bill was intended to curb hidden fees and help consumers compare prices, with examples such as hotel resort fees and automatic restaurant service charges. Supporters argued it would improve transparency, while opponents from grocery, restaurant, hotel, housing, retail, and business groups said the bill was too broad, vague about terms like “total price,” unclear on enforcement and penalties, and could create compliance burdens and litigation risk, especially for small businesses. Housing advocates opposed the bill’s housing carve-out, arguing it could weaken renters’ ability to bring unfair-practice claims. Senator Morris moved to defer HB 617, and the committee agreed without objection.
The committee also heard lengthy testimony on HB 797, which would create a Bayou Gold certification for certain transactional gold vendors that meet state-defined standards such as segregation, insurance, and nearby storage. The sponsor said the goal was to give consumers confidence and encourage vendors to keep gold closer to Louisiana, while critics argued the program would amount to a state endorsement of private companies, create misleading consumer impressions, and expose the state to confusion or liability. The bill drew opposition from the Sound Money Defense League and others, but the committee ultimately reported HB 797 favorably, with the understanding it still had to go to Finance. HB 1228, a hearing-aid cleanup bill updating definitions, contracts, testing periods, and licensing rules, was also moved favorably without objection.
WY
Wyoming 2026 Regular Session
Senate Minerals, Business & Economic Development Committee, February 25, 2026
Minerals, Business & Economic Development
Transcript Highlights:
- Uh, put transaction limits on, you know, daily transactions, maybe for nonboarded customers and then
- a cash transaction, debit card transaction,<00:17:19.760>
all <00:17:19.919>wallet <00: - 17:20.400>
addresses <00:17:20.799>that transaction, all wallet addresses that transaction - That was multiple transactions.
- <00:32:23.440>
But transactions on our cell phones. But transactions on our cell phones.
TX
Transcript Highlights:
- And security.
- For a debit card transaction?
- And the transaction fee...
- data, all of our transaction records.
- was a concern about this transaction?
Keywords:
lottery, gambling, internet gaming, mobile application, criminal offenses, SB 687, land surveyor, land surveying, surveying services, construction contract, anti-indemnity, indemnity, hold harmless, defense obligation, standard of care, professional negligence, civil practice and remedies code, local government code, governmental agency, public contracts
Summary:
The meeting was a crucial session for discussing several important bills including SB992, which aims to establish a clear time frame for the Attorney General's approval on outside legal counsel for state agencies. Senator Nichols presented the bill, emphasizing its necessity for timely responses to ensure efficient legal processing. Another notable discussion centered around SB523, which seeks to allow parole and probation officers to use a business address on their driver's licenses for safety and security purposes. This bill passed favorably out of the committee, with public testimony supporting the need for such provisions due to the risks these officers face.
AL
Alabama 2026 Regular Session
Alabama Senate Fiscal Responsibility and Economic Development Committee Apr 1st, 2026
Fiscal Responsibility and Economic Development
Transcript Highlights:
- I have had to straighten up transactions for people who thought wholesalers was realtors because they
- >
who <00:06:05.600>thought transactions for people who thought transactions for people - <00:06:11.600>
and and they go through a transaction and and they go through a transaction - of some of those transactions.
- We regulate folks those transactions.
Bills:
HB586
NM
New Mexico 2025 Regular Session
IC - Investments and Pensions Oversight Aug 13th, 2025
Investments & Pensions Oversight Committee
Transcript Highlights:
- So, all the transactions on a Bitcoin network are auditable.
- And to bundle the transactions. Every 10 minutes, those transactions are bundled into a block.
- The miner that solves the puzzle adds those transactions to all historical transactions before it.
- Every transaction is verified and locked.
- So, there were a lot of security concerns initially.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, June 26, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- <03:11:10.640>
This security. That's plain and simple. This security. - assessment of the security situation. assessment of the security situation.
- jeopardize homeland security. jeopardize homeland security.
- national security. national security.
- Fact is that border is not secure. Fact is that border is not secure.
TX
Transcript Highlights:
- transactions or an occupation tax on a registered securities market operator.
- These are generally referred to as financial transaction taxes.
- H.J.R. 4 would ban the legislature from ever taxing securities transactions or market operators, ever
- Because actual working Texans aren't making $10 million transactions.
- This amendment would sunset the ban on occupation and transaction taxes related to security markets as
Keywords:
occupation tax, securities, financial regulation, tax exemption, legislative amendment, capital gains tax, realized gains, unrealized gains, investment income, asset sale, capital assets, wealth tax, estate tax, trust tax, tax limitation, constitutional amendment, Texas Constitution, Article VIII, property tax, sales tax
MN
Minnesota 2025-2026 Regular Session
House Transportation Finance and Policy Committee 3/9/26
Transportation Finance and Policy
Transcript Highlights:
- So, it adds convenience, security, safety. It adds convenience, security, safety.
- 20:56.960>
safety, it adds convenience, security, safety, it adds convenience, security, safety - steps forward to better secure steps forward to better secure our<00:27:11.240>
industry < - are all online or virtual transactions are all online or virtual transactions that<00:38:00.720>
- uh transaction between two individuals. uh transaction between two individuals.
Keywords:
veterans benefits, Secret War, Laos veterans, eligibility process, burial fees, veteran designation, electronic license, driver's license, digital credential, transportation, data privacy, authentication, license plates, vehicle registration, validation stickers, Minnesota statutes, transportation policy, aeronautics, transponder, aircraft safety
WY
Wyoming 2026 Regular Session
House Travel, Recreation, Wildlife & Cultural Resources Committee, February 19, 2026
Travel, Recreation, Wildlife & Cultural Resources
Transcript Highlights:
- electronic um means of transacting electronic um means of transacting business<00:04:38.880>
- whatsoever. this is strictly a security whatsoever. this is strictly a security issue<00:04:55.919
- The transaction fees are too high.
- The transaction fees are too high. it.
- <00:15:00.320>
of <00:15:00.560>our the safety and security of our the safety and security
Bills:
SF0024
Keywords:
lottery, debit card payments, gambling regulations, state revenue, financial transactions, 916, all
NM
New Mexico 2025 Regular Session
IC - New Mexico Finance Authority Oversight Aug 11th, 2025
New Mexico Finance Authority Oversight Committee
Transcript Highlights:
- Don't use the secure one because that is our webcast.
- Although municipal bonds are considered to be securities, they are exempt from most securities laws that
- We then work with them throughout the transaction.
- So, the different kinds of security pledges, the NMFA has a number—basically every Type of security pledge
- Between the state and the IRS in that transaction.