Transcript Highlights:

• So, you can see where this becomes a problem where we have real consumer fraud and consumer protection
• Um, but like I said, this is a top priority for addressing consumer fraud at these crypto kiosk machines
• <01:27:44.159> kiosk consumer fraud at these crypto kiosk consumer fraud at these crypto kiosk
• stopping the fraud. stopping the fraud.
• You know, so often we get confused about fraud and consumer protection.

Keywords: 1187, senate, all

Summary: The Senate opened with a prayer, pledge, and roll call, confirmed a quorum, and then moved through routine business including first reading and referral of Senate File 5019 to the Health and Human Services Committee, along with referral of Senate resolutions 73 to 75 to Rules and Administration. Senator Westrom’s motion to withdraw Senate File 3893 from Finance, give it a second reading, and place it on general orders was adopted. The chamber then took up House File 3556, which renames Minnesota’s Community Solar Garden Program as the Melissa Hortman Community Solar Garden Program. Senator Hoffman presented the bill as a tribute to Speaker Melissa Hortman’s role in creating and advancing community solar in Minnesota, with Senator Marty and others supporting the recognition. The bill was read a third time and passed on final passage by a vote of 59-7, with the title agreed to. Senate File 1251 followed, a bipartisan bill to remove the June 2026 sunset on crossbow use during archery season and make the allowance permanent. Senator Pa and supporters cited a DNR study showing no negative impact on deer or turkey populations and argued the change would improve participation among women, youth, and older hunters. An A3 technical amendment was adopted, and the bill passed 67-0. The Senate then considered Senate File 3868, a bill to ban cryptocurrency kiosks in Minnesota due to fraud concerns. The author and supporters described widespread scams targeting seniors and others, citing losses in Minnesota and national fraud data. An A2 amendment requiring lawful-presence verification for foreign remittance transfers was ruled not germane, and the chair’s ruling was upheld on a 34-33 appeal. Debate then began on an A3 amendment related to cash transfers through airports, with members arguing over germaneness and the scope of the fraud-prevention bill.

Transcript Highlights:

• and investigating fraud.
• 55.040> fraud<01:24:55.880> and constitute insurance fraud and constitute insurance fraud
• Commerce and Consumer Affairs. Commerce and Consumer Affairs.
• So, the fraud<01:25:48.440> branch<01:25:48.880> does fraud branch does fraud branch does
• <01:25:59.600> fraud.

Keywords: 910, house, all

Summary: The committee heard testimony on SB 83, which would require hotel keepers to give adequate notice of service disruptions to guests and third-party vendors. The Department of Commerce and Consumer Affairs Office of Consumer Protection supported the bill but asked for amendments to restore remedies and add a nonwaiver provision, arguing that without penalties the measure would lack consequences and that consumers should not be able to waive the notice rights. Supporters, including Unite Here Local 5 and individual testifiers, said guests deserve transparency and meaningful recourse when disruptions occur, especially for labor disputes, construction, or other service interruptions that affect the experience they paid for. Hotel industry representatives, including the American Hotel and Lodging Association, the Hawaii Hotel Alliance, and hotel workers/testifiers, opposed the bill in its current form while offering amendments. They said the measure was too broad, difficult to implement, and could interfere with collective bargaining, third-party booking systems, and existing contracts. They also argued that some disruptions are not easily known in advance and that the bill unfairly singles out hotels compared with other industries. One testifier emphasized that notice should be required only for actual, known disruptions rather than potential events, and another raised concerns about applying the bill to properties not directly involved in a labor dispute. After the SB 83 testimony, the committee moved on to SB 2798, which would make permanent and expand statewide the agricultural enforcement pilot program created in 2025 and rename it the agricultural enforcement program. The chair introduced the measure and called on the Hawaii Department of Agriculture and Biosecurity as the first testifier, but the transcript excerpt ends before testimony or any vote on SB 2798.

Transcript Highlights:

• Thank you for your interest in learning about the nation's first consumer fraud restitution fund of its
• Thank you for your interest in learning about the nation's first consumer fraud restitution fund of its
• The impact of scams and consumer fraud is profound, especially when older adults are at a time in their
• AARP is helping to lead the effort to protect Minnesotans from consumer fraud through community education
• Minnesota's new consumer fraud restitution fund is already helping to address this problem in three key

Keywords: 919, house, all

Summary: The committee heard an update on the Consumer Protection Restitution Account, also called SPRA, from the Minnesota Attorney General’s office and AARP Minnesota. AARP described the fund as a first-of-its-kind consumer fraud restitution program that should encourage scam reporting, give the AG’s office more incentive to pursue cases, and provide financial recovery to victims, especially older adults. The AG’s office explained that the fund is financed by 50% of consumer enforcement recoveries up to $5 million per year, plus unclaimed or undistributable restitution, and said about $4.6 million had been deposited since July 1, 2025, largely from a Johnson & Johnson settlement. Jessica Whitney outlined how claims are processed: consumers file complaints, the office obtains a court order, then determines whether defendants have collectible assets before distributing funds in chronological order based on the date of the court order. She said the first major case is Woodbury Dental Arts, a defunct dental clinic whose patients filed more than 300 claims; the office estimates about 75% are likely valid, is reviewing them, and hopes to issue checks within a month. She also described upcoming cases involving High Road Builders and another home remodeling contractor, along with more than 100 individual fraud complaints, including nine claims totaling more than $5.2 million. Committee members raised concerns about delays, communication with constituents, and whether victims know if their cases are being processed. Whitney said the office is trying to improve outreach through press releases, community visits, senior centers, AARP, and Commerce senior outreach. She also flagged two possible legislative issues: restitution that cannot be distributed may not be subject to the $5 million cap, and the statute’s prohibition on pro rata payments may need reconsideration because available funds appear insufficient to pay all claims in full. The office said it would provide a fuller report in October and continue processing claims this fiscal year.

Transcript Highlights:

• Fraud Watch Network. ARP has a fraud network. We have volunteers who are trained.
• thing is if you sign up for the Fraud thing is if you sign up for the Fraud Watch<00:39:42.960><
• That is a fraud. So, never believe you. That is a fraud.
• Consumer Affairs.
• Consumer Protection. Consumer Protection.

Keywords: 910, house, all

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.

Transcript Highlights:

• . fraud. fraud.
• /c> frankly I think fraud is fraud and as frankly I think fraud is fraud and as long<00:06:41.759>
• <00:07:25.919> Hard<00:07:26.240> fraud<00:07:26.639> is fraud and soft fraud
• Hard fraud is fraud and soft fraud.
• consumer protection purposes. consumer protection purposes.

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:15 Department of Insurance Update 00:01:39 Department of Financial Institutions Update 00:37:07 Insurance Industry Update 00:54:50 Credit Union Industry Update 01:10:53, 958, all

Summary: The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them. Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase. Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.

Transcript Highlights:

• But a Consumer Fraud restitution fund can help address that problem in three key ways.
• <00:10:46.279> Fraud<00:10:46.680> restitution scams but a Consumer Fraud restitution
• I urge you to consider establishing a Consumer Fraud restitution fund to support fraud victims.
• <00:19:45.120> Fraud consider establishing a Consumer Fraud consider establishing a Consumer
• I urge you to consider establishing a Consumer Fraud restitution fund to support victims of fraud.

Keywords: 1187, senate, all

Bills: SB 2, SB 3, SB 10, SB 16, SB 5, SB 9, SB 7, SB 17, SB 4, SB 19, SB 54, HB23, HB17, HB16, SB19, SB53, SB54, HB16, HB17, HB23, HB27, SB9, SB7, SB17, SB4, SB2, SB3, SB10, SB16, SB5

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 2, SB 3, SB 10, SB 16, SB 5, SB 9, SB 7, SB 17, SB 4, SB 19, SB 54, HB23, HB17, HB16, SB19, SB53, SB54, HB16, HB17, HB23, HB27, SB9, SB7, SB17, SB4, SB2, SB3, SB10, SB16, SB5

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 2, SB 3, SB 10, SB 16, SB 5, SB 9, SB 7, SB 17, SB 4, SB 19, SB 54, HB23, HB17, HB16, SB19, SB53, SB54, HB16, HB17, HB23, HB27, SB9, SB7, SB17, SB4, SB2, SB3, SB10, SB16, SB5

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:

• bad actors and protect consumers.
• That's how commonplace freight fraud is becoming in trucking.
• Truckload freight, we know, is overwhelmingly the primary target of fraud.
• Fraud detection tools and greater inter-agency collaboration with law enforcement to identify these frauds
• They also impact consumer prices, which are currently on the rise. Mr.

Keywords: Committee, Transportation, aviation safety, confirmation, Lieutenant Commander, Deputy Secretary, Bradbury, Hafensteiner, aircraft incidents

Summary: The Senate Committee on Commerce, Science, and Transportation convened to consider the promotion of Coast Guard Lieutenant Samuel Hafensteiner to Lieutenant Commander and the nomination of Stephen Bradbury as Deputy Secretary of Transportation. The meeting highlighted ongoing concerns regarding aviation safety, especially in light of recent aircraft incidents. Members discussed the critical need for knowledgeable leadership within the Department of Transportation to address these safety challenges effectively. Mr. Bradbury's background as a former General Counsel of the Department was presented as a strong asset for the role he seeks.

Transcript Highlights:

• that is happening on our public programs and consumers.
• Uh, Sarah" "Misclassification fraud is growing.
• that is happening on our public programs and consumers.
• that is happening on our public programs and consumers.
• that is happening on our public programs and consumers.

Keywords: 1187, senate, all

Transcript Highlights:

• and address consumer protection and address instances<00:05:02.000> of<00:05:02.160> fraud
• ,<00:05:02.639> misrepresentation, instances of fraud, misrepresentation, instances of fraud
• , to save you money, consumer, to save you money, consumer, if<00:08:16.400> you<00:08:16.560
• fraud doesn't happen in a Walmart. fraud doesn't happen in a Walmart.
• So how is this going to stop fraud?

Keywords: 1189, house, all

Transcript Highlights:

• These bills enhance consumer protection and prevent fraud, requiring that warnings be placed on cryptocurrency
• These bills enhance consumer protection and prevent fraud, requiring that warnings be placed on cryptocurrency
• Require some consumer disclosures and warnings, create anti-fraud measures, and full refunds for customers
• Fourth, consumer education is critical.
• You know, it requires a consumer protection officer, a chief compliance officer, anti-fraud policy, enhanced

Keywords: 995, all

Summary: The committee heard testimony on several financial services bills, with the main focus on cryptocurrency kiosk regulation, financial literacy, and earned wage access. Legislators and witnesses described widespread crypto-related scams targeting older adults, often involving impersonation, urgency, spoofed phone numbers, and rapid transfers through kiosks that are difficult to trace or recover. Supporters of the kiosk bills said Massachusetts needs licensing, registration, transaction limits, warning notices, receipts, refund protections, and other safeguards; some also urged a “pause” or hold on transactions to give victims time to reconsider and allow law enforcement to intervene. The Attorney General’s office, AARP, local law enforcement, and several prosecutors and sheriffs backed the consumer-protection approach, while Bitcoin Depot supported a narrower regulatory framework but opposed low fee caps and strict daily limits, arguing they would function like a ban and reduce legitimate use. Witnesses from Waltham police, Middlesex and Essex County law enforcement, and the AG’s office said crypto scams are growing quickly, losses are often unrecoverable once funds move, and current tools are limited. They described cases involving elderly victims losing thousands of dollars, and said warnings alone are not enough because scammers keep victims on the phone and guide them through the process. Some witnesses said a temporary hold or refund mechanism has worked in at least one case, while others emphasized that transaction limits and visible disclosures could reduce harm even if they do not stop fraud entirely. The AG’s office also said it would submit written opposition to separate earned wage advance legislation, while DailyPay testified in support of that bill, saying earned wage access helps workers bridge short-term gaps without debt or credit reporting. The committee also heard support for mandatory financial literacy education from Representative Jim Hawkins, who said high school students need instruction on credit, debt, and inflation before they enter adulthood. In addition, the committee took testimony on litigation financing bills from insurance industry representatives, who argued for disclosure and regulation of predatory litigation lending and warned about foreign interference and reduced plaintiff recoveries. No votes or final actions were taken during the hearing; members asked questions throughout, and the chair noted the need to move testimony along because of time constraints.

Transcript Highlights:

• money lost to fraud? money lost to fraud?
• That's what I support is getting to the bottom of the fraud, holding those causing fraud and doing fraud
• That's what I support is getting to the bottom of the fraud, holding those causing fraud and doing fraud
• <01:18:44.480> and fraud, holding those causing fraud and fraud, holding those causing fraud
• Every single dollar of fraud that fraud.

Keywords: 1187, senate, all

Bills: HR133, HR134, HR135, HR136, HR137, HR138, HR139, HR140, HR141, HR142, HR143, HR144, HR145, HR146, HR147, HR148, HR149, HR150, HR151, HR152, HR119, HR120, HR121, HR122, HR123, HR125, HR126, HR127, HR128, HR129, HR130, HR131, HR132, HCR53, HCR54, HCR55, HCR56, SCR3, SCR22, SB4, SB18, SB66, SB106, SB201, SB256, SB274, SB292, SB326, SB386, SB406, SB422, SB423, SB456, SB475, HCR3, HB1, HB3, HB27, HB71, HB214, HB225, HB241, HB244, HB306, HB312, HB313, HB314, HB345, HB366, HB383, HB446, HB473, HB511, HB514, HB655, HB730, HB743, HB836, HB983, HB1027, HB1037, HB1043, HB1082, HB1091, HB1096, HB1103, HB1126, HB1167, HB1174, HB1175, HB1230, HB1237, HB1238, SB162, SB349, SB350, SB382, SB383, HB76, HB132, HB181, HB210, HB250, HB265, HB275, HB291, HB322, HB342, HB475, HB486, HB616, HB635, HB639, HB690, HB740, HB757, HB761, HB774, HB808, HB855, HB872, HB883, HB886, HB903, HB949, HB962, HB996, HB1003, HB1036, HB1054, HB1071, HB1076, HB1078, HB1113, HB1132, HB1146, HB1232, HB1233, HB21, HB24, HB29, HB31, HB39, HB45, HB77, HB136, HB150, HB263, HB273, HB299, HB315, HB376, HB377, HB431, HB444, HB450, HB519, HB533, HB538, HB559, HB562, HB663, HB664, HB715, HB717, HB805, HB822, HB823, HB834, HB864, HB867, HB1017, HB1018, HB1068, HB1134, HB1137, HB1234, HB1235, HB1236, HB961, HB399, HB868, HB905, HB180, HB192, HB284, HB476, HB915, HB952, HB1006, HB401, HB51, HB58, HB140, HB982, HB1010, HB750, HB911, HB977, HB901, HR20, HR74, HB9, HB151, HB193, HB310, HB393, HB459, HB577, HB582, HB605, HB614, HB615, HB682, HB733, HB773

Keywords: commendation, leadership, energy sector, Shell USA, Louisiana pride, House Resolution 134, HR134, honorary resolution, Bob Lupo, Robert E. Smith Lupo, Lakeview, New Orleans, civic service, philanthropy, real estate development, Hurricane Katrina recovery, community service, charitable giving, public recognition, Louisiana House of Representatives

Transcript Highlights:

• So my key priority is putting Texans consumers first and every So my key priority is putting Texans consumers
• with consumer choice.
• Those same rules protect consumers.
• You will never make fraud go away.
• fraud.

Keywords: 1185, senate, all

Transcript Highlights:

• And so, uh, just as an other consumers.
• existing fund for for all consumers existing fund for for all consumers across<00:03:35.760>
• lost money to fraud for many years to come.
• I mean, it's fraud, but does that not apply?
• , it's fraud, but does that not apply?

Keywords: 1183, house

Summary: The committee heard House File 4867, a bill from Representative Lee to make changes to the Consumer Protection Restitution Account created the prior year to help victims of fraud. The Attorney General’s Office testified that the fund has already received more than $4.5 million and is beginning its first distributions, including payments to victims of the closure of Woodbury Dental. The office said the bill would remove the current $5 million annual deposit cap and establish a more equitable distribution formula so large claims would not exhaust the fund and prevent other victims from receiving restitution. Public testimony strongly supported the bill. A Woodbury Dental victim described paying $25,000 upfront, losing her dental work when the clinic abruptly closed, and having to start over with another dentist; she said reimbursement would help her recover from the loss. An AARP Minnesota representative also supported the measure as a cleanup bill that improves the new restitution program. Members asked about how the bill would handle large claims, whether the Attorney General could still pursue defendants for additional recovery, and whether restitution payments would be taxable. The Attorney General’s Office said it would continue collection efforts and reimburse the fund if later recoveries are made, and Representative Lee said the bill includes a provision making payments non-taxable. The chair then moved that House File 4867 be laid over, and the bill was laid over without a vote on passage.

Transcript Highlights:

• when fraud occurs, why does it occur? when fraud occurs, why does it occur?
• It's anti-consumer because you're giving consumers fewer choices.
• There's a consumer instantaneously. There's a consumer complaint<01:57:08.960> process.
• would minimize the fraud? would minimize the fraud?
• We would get consumer complaints.

Keywords: 1191, senate, all

Transcript Highlights:

• It's raised 25% in the last year just consumer fraud.
• It's raised 25% in the last year just consumer fraud.
• It's raised 25% in the last year just consumer fraud.
• It's raised 25% in the last year just consumer fraud.
• consumers, fraud on Minnesotans.

Keywords: 1183, house

Transcript Highlights:

• It requires important consumer protections to ensure that consumers have the information they need to
• Construction industry workers' compensation fraud and tax fraud have a price, as Rep.
• Construction industry workers' compensation fraud and tax fraud have a price, as Rep.
• and tax fraud.
• the fraud model.

Keywords: 995, all

Summary: The Joint Committee on Financial Services held a public hearing with about 43 witnesses and a 1:00 p.m. hard stop, and the chair repeatedly asked speakers to keep testimony to three minutes. Much of the hearing focused on S. 747/H. 1336, which would extend paid family and medical leave and unemployment insurance to graduate student workers. Supporters included legislators, union leaders, graduate workers from MIT, Harvard, BU, WPI, UMass Lowell, and others, and legal advocates. They argued graduate workers perform full-time teaching and research work, pay taxes, and should not be excluded from basic safety-net benefits; several witnesses described personal hardships involving childbirth, serious illness, mental health crises, funding cuts, or fear of losing income. Testifiers also said the change would be revenue-neutral or revenue-generating and would not create major administrative burdens for universities, which already provide similar benefits to other employees. The committee also heard testimony on insurance-related bills. Christopher Stock of the Massachusetts Insurance Federation supported H. 1113 on public adjusters and H. 1345/S. 753 on flood-zone notifications for homebuyers, but opposed H. 4112, which would add a $2 surcharge on home insurance policies to fund fire cistern programs. The Metropolitan Area Planning Council strongly supported H. 1345, saying flood disclosure is needed because Massachusetts lacks statewide flood-notification requirements and flooding risks are increasing. Karen Alvarado supported H. 4352 on travel insurance, and John Fielding supported H. 1186 on pet insurance; both said the bills would create uniform regulatory frameworks and consumer protections. Rep. LeBoeuf testified for H. 4061 on workers’ compensation premium fraud, describing the bill as a transparency measure to combat fraud in construction by creating a public certificate-of-insurance database and QR-code verification system. Joe Bright of the carpenters’ union also supported H. 4061, citing fraud, misclassification, and the harm to injured workers. The hearing also included testimony on H. 4112, a bill to create a statewide fire suppression water resource fund and cistern program. Rep. Hogan and a Stowe fire chief described drought, brush fires, and the need for dedicated cisterns in communities without municipal water systems, saying the tanks provide reliable water for firefighting and are relatively low-tech once installed. Committee members asked questions about tank capacity, siting, maintenance, and funding. No votes or formal actions were taken during the hearing.