Transcript Highlights:

• This bill would change the date on which the balance of the oil and gas abandoned well-plugging fund
• changes the date by which the Tax Commissioner must issue an administrative notice regarding the balance

Keywords: 994, senate, all

Transcript Highlights:

• where the first phase of the Science Center's master plan was three-quarters funded by the state, the balance
• but long run, you know, you've got to ask and answer those harder questions about what the right balance

Summary: The subcommittee heard a series of budget proposals, beginning with Exposition Park. Park leadership described the 160-acre state property’s historic role, growing visitation, and major upcoming events, including the FIFA World Cup fan fest and the 2028 Olympics. The governor’s proposal sought $96.5 million for utility replacement, site improvements, code compliance, accessibility, and public safety/traffic systems, plus $1.698 million for operational sustainability. The LAO said the proposals had merit but suggested the Legislature could consider downscaling some work given the budget condition. Members generally supported the requests, emphasizing deferred maintenance, public access, and the park’s statewide importance; both Exposition Park items were held open. The California Science Center requested funding to open and operate the new Air and Space Center, a major expansion featuring the Space Shuttle Endeavour. The LAO supported the proposal but suggested the Legislature consider alternative funding sources such as admission fees, higher parking fees, or private funds. Members debated whether the state should continue to fund operations without charging admission, with the Science Center explaining its public-private funding model and warning that fees could sharply reduce attendance, especially for underserved communities. The item was held open. The committee also reviewed continuation funding for the Department of Financial Protection and Innovation’s consumer protection and debt collection programs. DFPI and Finance said the requests would extend existing expenditure authority and were not General Fund asks. The LAO supported limited-term funding but urged cumulative reporting or a sunset-style review before permanent funding. Members pressed DFPI on outcomes, workload, and the high cost of the debt collection licensing program, noting that the number of licensees was far below early estimates and that assessments on the industry were substantial. Public commenters from the debt collection industry echoed those concerns, while others supported DFPI’s consumer protection work. The committee then heard a Board of Registered Nursing request for $1.4 million to fund eight special investigators. The board said complaint volume has risen with licensee growth and more complex cases, and members asked about complaint outcomes, regional caseloads, med spa oversight, viral complaints, and bias-related complaints. The board explained its investigation, probation, and intervention processes and said most cases reaching the Attorney General result in discipline. That item was also held open. After public comment on additional agenda items, the committee voted on several vote-only items. Items 8, 10, 11, 12, 13, 15, 16, and 17 were approved 4-0. Items 7, 9, and 14 were also approved, with the chair correcting the tally to 4-0. The hearing then adjourned.

Transcript Highlights:

• So we have those checks and balances in place. And you are the executive director? Yes, sir.
• this case, based on research into hiring practices, they believe this board is the only check and balance

Committee: House House Government Committee of Reference

Summary: The committee first heard SB 1078, which would require courts reviewing public-records disputes to apply de novo review rather than deferring to an agency’s decision to withhold records. Senator Kavanaugh and a Goldwater Institute witness argued the bill would restore transparency and independent judicial review. The committee recommended the bill do pass on a 4-3 vote. The committee then considered SB 1184, which would add military division flags approved by the Department of Defense to the list of flags that HOAs and planned communities may not prohibit. Kavanaugh said the bill responds to HOA restrictions on veterans displaying unit flags. Members discussed whether the bill should also cover other flags, including LGBTQ flags, but no amendment was adopted. The bill passed 7-0. SB 1586 followed, requiring Arizona agencies to post federal guidance they create, adopt, or receive. Supporters said it would improve transparency; an opposing member said agencies already post such material and the bill was unnecessary. It passed 4-3. SB 1665, a state agency hiring reform bill, would require standardized hiring scores, interview panel grades, overall grades, and an appeal process for unsuccessful applicants. The State Personnel Board supported it as a merit-based reform, while ADOA opposed it as costly and burdensome, estimating more than $3 million in compliance costs and warning it could slow hiring. After extended testimony, the committee recommended it do pass 4-3. The committee also approved SCR 1024, which would require legislative candidates to reside in their district for one year and, if affiliated, be members of their party for one year before the election; it passed 6-1 after discussion about residency rules and ballot-measure concerns. Later, the committee heard SB 1135, which increases workers’ compensation burial expenses for fallen first responders from $5,000 to $10,000. Family members and first responders testified in support, describing the financial strain after line-of-duty deaths. The bill passed 6-1 with one member present. SB 1136, which allows surviving spouses of first responders to keep death benefits even if they remarry, also drew emotional testimony from widows and supporters and passed 5-2. The committee then took up SB 1435, expanding the existing prohibition on exposing minors to sexually explicit material to public libraries and making violations a class 6 felony; supporters framed it as child protection, while opponents warned it could chill library access and criminalize librarians. The bill passed 4-3. Finally, SB 1567 was introduced as another expansion of the same underlying law, prohibiting government entities and contractors from exposing minors to sexually explicit materials and from using public facilities for filming or facilitating sexually explicit acts; the sponsor described it as part of a broader effort to protect children, and the committee began discussion of the measure.

Transcript Highlights:

• So we have those checks and balances in place. And you are the executive director? Yes, sir.
• from other agencies and doing our research on the hiring practices, this board is the only check and balance

Committee: House Government

Keywords: 1182, all

Transcript Highlights:

• a challenge for us, just as frustrating as it can be for you guys to look at our budgets and our balances
• I'm just trying to weigh out that balance. And obviously, you guys have thought about that.

Committee: House Resources and Conservation

Keywords: 989, all

Transcript Highlights:

• So the question now becomes, what's the balance there?
• Permanent standard time balances the morning light, and that morning light is especially important for

Committee: House Government Efficiency

Keywords: 959, house, all

Transcript Highlights:

• 25 years ago, Pima County launched the Pima County Sonoran Desert Conservation Plan, an effort to balance
• The Sonoran Desert Conservation Plan was an effort to balance conservation of the Sonoran Desert with

Summary: The House convened with prayer, the Pledge of Allegiance, approval of the prior journal, and introductions of the Doctor of the Day, Dr. Jane Peterson, and a University of Arizona presentation featuring meteorites and space-related materials. The chamber also adopted a proclamation honoring Mama Luisa’s Italian restaurant for 70 years of family ownership and service. After routine committee and Senate message announcements, the House moved into third reading and floor action on a large number of bills. Several bills passed on third reading, including HB 2041 on child neglect, HB 2128, HB 2251 on midwifery, HB 2342 on planned communities/HOAs, HB 2402 on emergency medical services, HB 2403 appropriating money to AHCCCS, HB 2615 on parenting time, HB 2641 on firefighting foam, HB 2673 on incarcerated persons and mental illness, HB 2700 creating a Technology First Study Committee, HB 2951 on subscription cancellation/consumer protections, HB 2991 on minors’ access to technology content, and HB 4070 on human trafficking. Members’ comments reflected support for maternal care, consumer protection, parental controls, public safety, and services for incarcerated people with mental illness, while some members raised concerns about licensing, overbreadth, or unresolved amendments. HB 4018 on county officers failed on a 26-24 vote. The House then reconsidered and sent HB 4018 back to third reading, but a subsequent motion challenging the chair’s ruling on whether a division had been called failed. The chamber also entered additional Committee of the Whole sessions to amend and recommend passage of HB 2136 and HB 2923, both of which were reported out as amended. In later Committee of the Whole work, the House recommended passage of HB 2188, HB 2239, HB 2437, HB 2445, HB 2502, HB 2620 as amended, HB 2931 as amended, HB 4004, and HB 4064, with some bills retained on the calendar and several measures referred to engrossing. The transcript ended while the House was continuing through consent-calendar and additional Committee of the Whole proceedings.

Transcript Highlights:

• This is one of the recommendations from the governor to balance the budget for this year.
• adults, and unfortunately now we're looking at cutting for the most vulnerable because we have to balance

Summary: The committee first heard House Bill 754, which would add physical therapists to Idaho’s direct primary care statute so they can enter direct payment agreements with patients without those arrangements being treated as insurance contracts. The sponsor and supporters said the bill would improve access, especially for patients who need frequent therapy or live in underserved areas, and emphasized that it would not expand physical therapists’ scope of practice. One member objected that the bill’s wording could blur the definition of primary care and create scope confusion. After testimony from a physical therapy association representative and a small business health care provider, the committee voted to send the bill to the floor with a do-pass recommendation, with several members recording no votes. The committee then took up House Bill 724, which would add and clarify safety-related rights for children in foster care, including safe placement, access to medical and forensic exams after abuse disclosures, basic necessities, and consideration of safety in visitation and placement decisions. The sponsor said the bill is a narrow child-safety measure that does not alter parental rights or removal standards, while foster parents, a psychologist, former foster youth, and others testified in support with accounts of abuse, unsafe placements, and inadequate oversight. Some members raised concerns about enumerating rights in statute and about broad language that could have unintended future consequences; a substitute motion to send the bill to amending order failed on a roll call vote, and the original motion to send the bill to the floor with a do-pass recommendation passed. Finally, the committee heard House Bill 759, a budget-related measure to reduce Medicaid residential habilitation funding and require a new audit/rate study of home and community-based services. The sponsor said the reduction reflects a governor’s budget recommendation and that the audit would help determine appropriate rates and spending. Providers and family members of people with disabilities testified that the bill was too vague, that prior rate studies were not fully followed, and that any reductions could harm staffing and services; they asked for clearer standards, collaboration, and assurance that rate-study results would actually be used. A motion to hold the bill until a later date was offered, but the sponsor opposed delaying the budget item and the committee continued discussion toward a floor recommendation.

Transcript Highlights:

• request to increase the California Library Services Act, which was cut a couple of years ago to help balance
• request to increase the California Library Services Act, which was cut a couple of years ago to help balance

Keywords: 988, house, all

Transcript Highlights:

• And so there's a balance there to be had.
• about some of the finances that the constraints that we're under now, and we always have to make this balance

Bills: SB1632 , SB1594 , SB2045 , SB1251 , SB1884 , SB1250 , SB1630 , SB1262 , SB1374 , SB1292 , SB1432 , SB1199 , SB1790 , SB1481 , SB1614 , SB1734 , SB1437 , SB1489 , SB1718 , SB1778

Committee: Senate Education

Keywords: career readiness, education reform, high school assessments, workplace skills, state education, credentialing, teacher certification, principal requirements, education administration, special education, Oklahoma education law, SB2045, Grow Your Own Educator Program, teacher recruitment, teacher retention, alternative certification, alternative teacher certification, teacher preparation, tuition reimbursement, course fee reimbursement

Transcript Highlights:

• This bill is a balanced approach, again, and worker protections remain fully intact.
• Yet the amendment offered on perfection that I spoke against did not establish a balanced regulatory

Keywords: 959, house, all

Summary: The House opened with prayer, the Pledge of Allegiance, and approval of the previous journal by roll call. Members then offered personal privilege remarks honoring Dr. Penelope Martin Knox of Raytown Schools for Black History Month and introduced guests, including Adeline Overcast, who was made a page for the day, and visitors from a rural hospital in Rolla. Several new bills were first read, including measures on blind pensions, penalties for impeding first responders, and flag display in the state capitol. The chamber then took up multiple third-reading bills. House Bill 2596, dealing with multiple employee self-insured health plans for small businesses, passed unanimously after supporters said it would help small employers offer affordable health coverage. House Bill 1644, addressing franchisor liability and joint-employer issues, passed 103-45 after debate over whether it protected small businesses or limited workers’ ability to sue franchisors. House Bill 2423, increasing funding for the Division of Finance through fee authority, passed 146-0 despite concerns about higher costs being passed on to consumers. House Bill 2641, regulating intoxicating hemp-derived products and aligning state law with federal changes, drew extensive debate over a beverage carve-out, impacts on hemp businesses, and public safety; it passed 109-34. The House also passed House Bills 2498 and the combined House Bills 2637 and 3155. HB 2498, a juvenile justice reform bill shifting some referral responsibilities to prosecutors and expanding information sharing, passed 100-44 after strong debate over whether it would politicize juvenile cases and overburden treatment facilities, versus claims it would improve accountability and public safety. The combined sentencing bill, HB 2637/3155, passed 102-45 amid disagreement over whether it was truly a transparency measure or instead increased mandatory minimums and reduced judicial discretion. Finally, the House considered House Joint Resolution 154, which opponents described as an attack on Medicaid expansion tied to work requirements. Supporters argued it would encourage able-bodied recipients to work, volunteer, or attend school and reduce administrative costs, while opponents warned it would increase bureaucracy and risk coverage losses for vulnerable Missourians. The transcript ends during the procedural vote on the previous question for HJR 154, before the final disposition is shown.

Transcript Highlights:

• This bill is a balanced approach, again, and worker protections remain fully intact.
• Yet the amendment offered on perfection that I spoke against did not establish a balanced regulatory

Keywords: 959, house, all

Transcript Highlights:

• It strikes a balance, I think, between the needs of the hospital for maintaining the kinds of regulations
• with the last time we appeared before this committee, endeavoring to work with the bill advocates to balance

Bills: HB2340 , HB2155 , HB2531

Committee: Senate Health & Long-Term Care

Keywords: HB 2340, nursing assistants, nurse aide, substance use disorder monitoring program, monitoring program, credentialing, licensure, disciplinary records, enforcement action, public disclosure, privacy, third-party website, stipend program, financial assistance, treatment costs, drug testing, peer support, recovery, rehabilitation, board-approved program

Transcript Highlights:

• This bill is a balanced approach, again, and worker protections remain fully intact.
• Yet the amendment offered on perfection that I spoke against did not establish a balanced regulatory

Summary: The House convened with prayer and the Pledge of Allegiance, approved the prior day’s journal by roll call, and recognized a Black History Month tribute to Dr. Penelope Martin Knox, superintendent of Raytown C-2 Schools. Members also introduced guests, including the day’s pledge leader Adeline Overcast and visitors from a rural hospital in Rolla. Several new bills were read for the first time, including measures on blind pensions, first responder harassment, and flag display at the state capitol, and committee reports were received recommending passage of several deferred measures. The chamber then took up multiple third-reading bills. House Bill 2596, concerning multiple employee self-insured health plans for small businesses, passed 145-0 after supporters said it would help small employers offer affordable coverage. House Bill 1644, addressing franchise employment liability and joint-employer issues, passed 103-45 after debate over whether it would unfairly limit workers’ rights to sue franchisors. House Bill 2423, dealing with Division of Finance licensing fees and oversight, passed 146-0 despite concerns about fee increases. House Committee Substitute for House Bill 2641, which aligns state law with federal restrictions on intoxicating hemp-derived products, passed 109-34 after extensive debate over whether the bill unfairly carves out beverages and harms hemp businesses. House Bill 2498, a juvenile justice reform measure shifting some certification-related responsibilities and expanding information sharing, passed 100-44 after supporters argued it would improve accountability and opponents warned it would politicize juvenile cases and burden treatment facilities. House Committee Substitute for House Bills 2637 and 3155, a sentencing bill increasing mandatory minimums and clarifying time-served and parole eligibility, passed 102-45 amid debate over whether it was truly a transparency measure or an increase in punishment. The House also debated House Committee Substitute for House Joint Resolution 154, a proposed constitutional amendment tied to Medicaid expansion/work requirements. Supporters said it would encourage work and reduce administrative costs, while opponents argued it would undermine Medicaid expansion and risk coverage for vulnerable residents. After a previous-question motion, the resolution passed 99-48. The session ended with announcements about upcoming committee meetings, a Black History Celebration, and other caucus and committee gatherings, followed by adjournment until Monday afternoon.

Transcript Highlights:

• This bill is a balanced approach, again, and worker protections remain fully intact.
• Yet the amendment offered in perfection that I spoke against did not establish a balanced regulatory

Summary: The House convened with prayer and the Pledge of Allegiance, approved the prior day’s journal by roll call vote, and established a quorum. Members then offered personal privilege remarks recognizing Dr. Penelope Martin Knox for Black History Month and introducing guests, including Adeline Overcast, who was made a page for the day, and visitors connected to a rural hospital in Rolla. Several bills were read for the first time, including measures on blind pension tax levies, penalties for impeding first responders, and flag display in the state capitol, and committee reports recommended passage of multiple deferred measures. The chamber then took up several bills on third reading. House Committee Substitute for HB 2596, concerning multiple employee self-insured health plans for small businesses, passed 145-0. HB 1644, dealing with franchise employment liability and joint-employer issues, passed 103-45 after debate over worker rights and franchisor liability. HB 2423, which would increase funding for the Division of Finance through higher licensing fees, passed 146-0 despite concerns about costs being passed on indirectly. House Committee Substitute for HB 2641, which aligns state law with federal restrictions on intoxicating hemp-derived products, drew extensive debate over hemp, beverages, and the impact on small businesses and consumers; it passed 109-34 with six present. Members also debated HB 2498 on juvenile justice reform, including changes to certification procedures and information sharing. Supporters argued it would improve accountability and public safety, while opponents warned it would politicize juvenile decisions, burden treatment facilities, and push more youth into the adult system. After a successful previous-question motion, the bill passed 100-44 with three present. House Committee Substitute for HB 2637 and 3155, described as a truth-in-sentencing measure that would make parole eligibility and time-served credit clearer, passed 102-45 with two present after debate over whether it effectively increased mandatory minimums. Finally, the House took up House Committee Substitute for HJR 154, a proposed constitutional amendment tied to Medicaid expansion and work requirements. Supporters framed it as encouraging work and reducing dependency, while opponents called it an attack on Medicaid expansion that would increase administrative costs and risk coverage losses for vulnerable residents. The transcript ends during the motion for the previous question on that resolution, before the final vote is shown.

Transcript Highlights:

• Others are balancing service with raising families or caring for aging parents.
• It's designed to balance state authority with national defense requirements.

Keywords: 926, house, all

Transcript Highlights:

• So I think that's okay, but it's the balance between local control and making sure if there's any type
• So I think that's okay, but it's the balance between local control and making sure if there's any type

Keywords: 959, house, all

Summary: The House opened with prayer, the Pledge of Allegiance, and approval of the prior day’s journal by a 134-0 roll call vote. Members then moved through a series of personal privileges and introductions of guests, including Turning Point USA chapters, CASA volunteers and staff, JAG students, university students, nursing students, interns, and other visitors recognized from across the state. On third reading, House Bill 1766, dealing with personal property tax treatment and new construction, was debated as a taxpayer relief measure. Supporters said it would treat personal property more like real estate under Hancock-style limits, while opponents warned it could reduce revenue for taxing districts. The bill passed 94-50. The House then took up House Committee Substitute for House Bill 2989, a major gaming bill aimed at cracking down on illegal “gray market” machines while creating a regulated local-option video lottery terminal system. Debate focused on enforcement, local control, consumer protection, revenue for education, veterans, and disability programs, and whether the bill effectively legalized gambling in a new form. A motion to send it to Fiscal Review failed 69-44, and the bill ultimately passed 83-66 with one present. The chamber next considered House Committee Substitute for House Bill 2014, the supplemental appropriations bill. The sponsor said it provides a little over $3 billion in additional authority for the rest of FY2026, including tax refunds, disaster response, St. Louis tornado relief, Medicaid-related spending, and Missouri Department of Transportation operations. Members discussed the size of supplemental spending, the use of federal and general revenue funds, and the first-time use of general revenue for the adult expansion Medicaid population. The House adopted an amendment reducing some unused Medicaid authority, then adopted the bill as amended and perfected it for printing. The session ended with announcements, including a notice that the Super Committee on Tourism would meet immediately in Hearing Room 6.

Transcript Highlights:

• The balancing that we have on the longer term for criminal liability is counterbalanced through, again
• House Bill 2206 is a practical balance and focused on preventing theft before more Missourians become

Committee: House Judiciary and Civil and Criminal Jurisprudence

Summary: The Judiciary Committee met in executive session and approved House Committee Substitute for House Bill 2765, which was amended to revise hemp beverage retailer delivery language, adjust retailer fees and renewals, require product registration, and remove residency requirements. The substitute was adopted and the bill was reported do pass by a 10-0 vote. The committee also voted House Bill 2848, relating to mass intimidation offenses, do pass by a 9-0 vote. In public hearing, the committee took testimony on House Joint Resolution 130, which would ask Missouri voters to authorize retrospective civil laws for child sexual abuse claims. The sponsor and survivor advocates argued the measure is needed to allow revival windows and address delayed disclosure, while opponents from the insurance, tort reform, and business communities warned it could expose third parties such as schools, churches, nonprofits, and employers to broad, open-ended liability and higher insurance costs. No vote was taken on the resolution. The committee also heard House Bill 2254, which would speed capital post-conviction review by requiring earlier appointment of counsel and aligning Missouri procedures with federal standards. Supporters, including victims’ family members and the Attorney General’s office, said it would reduce years of delay and bring closure, while opponents raised concerns about wrongful convictions, conflicts from simultaneous representation, and increased public defender workload. Finally, House Bill 2206 on catalytic converter theft was heard; the sponsor and law enforcement supported stronger recordkeeping and licensing rules, while scrap/recycling and press representatives objected to added paperwork and a separate provision affecting public notice for self-storage sales. The hearing on HB 2206 was interrupted by the floor schedule and not completed in the transcript.

Transcript Highlights:

• And the fourth issue are uncertain timelines to work with non-CAISO and non-CPUC jurisdictional balancing
• at stake, we didn't talk about the dollar value of the federal tax credits that are hanging in the balance

Summary: The Assembly Committee on Utilities and Energy held an oversight hearing on accelerating clean energy development and helping projects capture expiring federal tax credits. The chair framed the hearing around federal actions under HR 1, which sharply shortens the timeline for wind and solar projects to qualify for tax credits, and Governor Newsom’s Executive Order N-3325, which directs state agencies to speed siting, permitting, and construction. Sarah Fitzsimmons of the Independent Energy Producers Association explained the federal deadlines, the shift from the 5% safe-harbor test to a physical-work test, and the main bottlenecks California projects face, especially interconnection delays, environmental review, and limited transparency around self-build options for network upgrades. Panelists from the Union of Concerned Scientists, Southern California Edison, and EDF Power Solutions largely agreed that transmission constraints, permitting, and queue management remain the biggest barriers. UCS emphasized long-standing transmission delays, the need for more accountability and standardized reporting, and the importance of keeping reforms focused on the projects most likely to reach completion. SCE said it has increased interconnection throughput through process changes, digital tools, and coordination with regulators, while noting that developers and utilities must work closely together on project-specific issues. EDF described how overlapping permitting, interconnection, and procurement timelines create risk, and argued that clearer policies on self-builds, equipment standards, and affected-system studies could help reduce delays. State agency representatives from the CPUC, CAISO, and Go-Biz reported strong recent clean energy progress, including record levels of new capacity and battery storage coming online, and described ongoing efforts such as the Integrated Resource Planning process, General Order 131-E updates, the Transmission Project Review Process, the Transmission Development Forum, and the TED Task Force. They said these efforts are helping identify delays, improve transparency, and coordinate solutions, including possible self-build arrangements and local permitting reforms. Committee members pressed the agencies on who is ultimately in charge of the effort, whether the state has quantified the ratepayer impact of losing federal tax credits, and whether the 90-day report required by the executive order is complete; the agencies said the report is still in development. Public commenters echoed the need to move beyond monitoring toward stronger prioritization and accountability to meet the 2029 and 2030 project deadlines.

Transcript Highlights:

• Failure to pay the balance by February 6th may result in continued noncompliance and suspension of driving
• You might be able to, but there are some checks and balances there, but I’m afraid I can’t answer that

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, regulators, law enforcement, AARP, and mortgage and insurance industry representatives. Witnesses described a wide range of scams, including spoofed bank calls and texts, fake websites and social media impersonation, romance and investment scams, business email compromise, gift card fraud, check fraud, wire fraud, reverse mortgage scams, and crypto kiosk schemes. Several speakers emphasized that fraud is increasingly organized, technology-driven, and amplified by artificial intelligence, and that seniors are disproportionately targeted and often suffer the largest losses. Testimony highlighted both prevention and recovery efforts. Bankers said institutions spend heavily on training, customer education, and fraud detection, but often cannot stop losses once customers have been convinced to authorize transfers. The Attorney General’s office described its Consumer Protection Division, a new Financial Fraud Task Force, and examples of recovering funds quickly from crypto kiosk and wire fraud cases. The State Bank Department and Securities Department said Arkansas’s 2025 crypto ATM legislation and related education requirements have helped, and they urged continued public education. The Insurance Department reported major insurance-fraud trends, including fake insurance cards, forged policies, premium-finance schemes, and staged auto accidents, and said it prosecutes these cases aggressively. Members asked about reporting scams, the security of tap payments, how fraud losses are tracked, the role of crypto kiosks, and whether Arkansas should pursue model legislation or stronger action against telecom and social media companies. Witnesses said tap payments are generally safer than chip or swipe, that crypto transfers are often unrecoverable, and that spoofed caller ID and impersonation ads remain major problems. Paul Benda of the American Bankers Association urged state and federal action against telecom and social media platforms and supported national scam legislation. No new bills were voted on at the meeting, but members approved the November 3, 2025 minutes and several witnesses offered to share model legislation, consumer education materials, and state-by-state fraud data with the committee.