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:

• 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:

• 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 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.

Transcript Highlights:

• So I share that goal of stopping fraud.
• So when you ask fraud victims to contact the AG's office, only fraud victims contact you.
• So when you ask fraud victims to contact the AG's office, only fraud victims contact you.
• and consumer harm.
• House Bill 467 is a simple consumer choice bill.

Bills: HB373

Keywords: infused beverages, THC, alcohol control, regulation, non-intoxicating cannabinoids, marijuana, legalization, taxation

Summary: The Senate Banking, Business, Insurance & Technology Committee met in hybrid format and heard testimony on several bills. HB 373, as amended, would regulate hemp-derived THC-infused beverages by defining the products, limiting them to 10 mg of Delta-9 THC per container, restricting sales to package stores and licensed marijuana retail stores, requiring testing and labeling, and imposing a 50-cent per container tax; the sponsor said the bill is intended to create guardrails and protect youth, and a wholesaler representative testified in support. HB 398 would allow racinos to serve alcohol until 2 a.m. and remove local authority to require earlier closing times; the sponsor and Bally’s representative said it would help Delaware remain competitive and increase revenue, and no opposition was heard. HB 433 would let municipalities and counties extend last call for bars, restaurants, and clubs from 1 a.m. to 2 a.m.; a witness from Connect Delaware supported it as a competitiveness and retention measure, emphasizing that it is permissive rather than mandatory. The committee also heard extensive testimony on HB 441, which would ban cryptocurrency kiosks/crypto ATMs in Delaware and require existing machines to be removed within 90 days. The sponsor and supporters, including AARP, the Delaware Department of Justice, and the League of Women Voters, argued the machines are heavily used in scams, especially against older adults, and that regulation has not been effective. CoinFlip opposed the bill, saying it is a regulated operator, that the fraud statistics are overstated or incomplete, and that Delaware should instead adopt a regulatory framework and amendment. HB 465 would update the criminal code to formally define virtual currency and incorporate it into theft, money laundering, racketeering, and search-and-seizure provisions; the sponsor said it would align Delaware law with modern crypto-related crimes, and no opposition was presented. The committee then heard HB 467, which would prevent landlords from requiring renters to buy insurance from a specific company while still allowing them to require coverage meeting lease terms; the sponsor described it as a consumer-choice bill and there was no public opposition. HB 435 would require payment parity for certified registered nurse anesthetists and physicians when the same services are provided; the sponsor, nurse anesthetists, the Delaware Health Care Association, the Department of Insurance, and ChristianaCare supported it as a workforce and access-to-care measure, with no opposition. Finally, HS 1 for HB 450, the Road DE Act, would overhaul permitting and traffic-impact review, emphasize peak-hour traffic, set density standards in growth areas, create a transportation impact fee, and direct some revenue to open space, farmland, and coastal restoration; realtors, builders, environmental groups, engineers, and GEAR supported it as a way to speed permitting, reduce sprawl, and improve infrastructure planning. The committee adjourned after public comment; no votes were recorded in the transcript.

Transcript Highlights:

• A fast-growing fraud industry is stealing billions of dollars from us consumers every year.
• But the Consumer Fraud restitution fund can help in three key ways.
• But the Consumer Fraud restitution fund can help in three key ways.
• The Consumer Fraud restitution fund can help in three key ways.
• Um, and I urge you to consider establishing a consumer fraud restitution fund to support fraud victims

Keywords: 1187, senate, all

Transcript Highlights:

• So often what you'll see is these fraud cases.
• There'll be a Medicare fraud component, a Medicaid fraud component, but then that third component where
• No, I mean if you're committing fraud, you're committing fraud.
• So nothing but fraud.
• It's an important consumer protection bill.

Transcript Highlights:

• I yield myself such time as I may consume.
• I yield myself such time as I may consume.
• I I yield myself such time as I may consume.
• And we CONSUME. >> THE GENTLEWOMAN IS RECOGNIZED.
• fraud head on, Speaker.

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, January 20, 2026, 1012, house, all

Transcript Highlights:

• Minnesota from theft by fraud. Minnesota from theft by fraud.
• <00:00:57.680> prevention Our caucus has passed fraud prevention Our caucus has passed fraud
• > consumer Our fraud package strengthens consumer Our fraud package strengthens consumer protections
• well as have a pathway to report fraud. well as have a pathway to report fraud.
• people who are looking to commit fraud. people who are looking to commit fraud.

Keywords: 918, senate, all

Summary: Senate DFL leaders held a press conference outlining a fraud-prevention agenda centered on transparency, accountability, and modernization of state systems. Majority Leader Erin Murphy said Minnesotans are angry about fraud and that the caucus has already passed multiple fraud-prevention measures, but more work is needed. She and other senators emphasized that outdated county and state IT systems leave programs vulnerable to waste and abuse, and said they want to pursue both immediate upgrades and longer-term funding solutions, including possible bonding for technology infrastructure. Senator Zena Mohamed described legislation to overhaul program integrity in Medicaid and human services by adding safeguards before, during, and after provider enrollment and service delivery. She said the goal is to prevent theft before dollars are spent, rein in third-party entities that profit without accountability, and improve consumer protections and reporting pathways. Senator Amanda Hemmingsen-Jaeger highlighted a bill to ban cryptocurrency kiosks, arguing they are heavily used in scams targeting seniors and vulnerable people, and also backed a state consumer financial protection bureau and stronger False Claims Act enforcement. Senator Rob Kupec focused on ethics and conflicts of interest, including a proposal to bar legislative members and certain state employees from quickly moving into jobs tied to entities receiving state appropriations or grants. He also said lawmakers should strengthen penalties for theft of public funds and restrict state contracts for people convicted of fraud. Senator Heather Gustafson promoted her Office of Inspector General bill, saying oversight is fragmented and an independent office is needed for investigations, safeguards, and early detection; she said the Senate passed the bill 60-7 last year and she wants it enacted. In response to questions, Murphy and Gustafson said the OIG should have law-enforcement powers, that bipartisan support exists in principle, and that the House needs to settle on a single proposal. The senators also said prepayment review can be useful but can disrupt services, and they argued agencies must use the tools already given to them while lawmakers continue oversight.

Transcript Highlights:

• It takes $5 million from the Attorney General's Consumer Protection Consumer Fraud Revolving Fund and
• Chair, I'm curious as to why you chose the Consumer Protection Consumer Fraud Revolving Fund.
• The Consumer Protection Consumer Fraud Revolving Fund... Representative Austin. Mr. Chair. Please.
• The consumer protection, consumer fraud, revolving funds.
• The Consumer Protection, Consumer Fraud Revolving Fund goes to help everyday Arizonans.

Keywords: 1182, all

Summary: The Committee on Public Safety and Law Enforcement met and first announced that HB 2691 would be held and not heard further that day. The chair also limited testimony to three speakers for and three against, with two minutes each unless extended by a minority leader. The committee then took up HB 2993, which would allow the Department of Public Safety to spend on legal services independent of the Attorney General and, as amended, redirect $5 million from the Consumer Protection Consumer Fraud Revolving Fund to the Gang and Immigration Intelligence Team Enforcement Mission Fund. Supporters argued the bill would give DPS outside counsel and shift money toward front-line public safety work; opponents said it was political retaliation that would weaken consumer protection enforcement and divert funds from Arizonans who benefit from AG actions. The committee adopted the chairman’s amendment and then approved HB 2993 on an 8-6 vote, with one absent. The committee next heard HB 2231, a clarifying bill updating the list of cancers covered under the occupational disease presumption for firefighters, peace officers, and fire investigators. The sponsor and firefighter testimony said the bill does not expand benefits but fixes a drafting problem, including a disputed comma that had been used by insurers to challenge claims; the Industrial Commission was listed as neutral if needed. Members discussed whether the presumption is rebuttable and how punctuation affected the statute’s meaning. During roll call, several members explained their votes in favor as a matter of grammar and statutory clarity, and the committee passed HB 2231 by a 14-0 vote with one absent. The meeting then adjourned.

Transcript Highlights:

• <00:31:30.640> that<00:31:30.799> we've fraud but all types of fraud that we've fraud
• > that<00:32:02.559> we the fraud report, fraud reports that we the fraud report, fraud
• than insurance fraud.
• than insurance fraud.
• than insurance fraud.

Keywords: 1183, house

Transcript Highlights:

• and the amount of the likely unpaid consumer enforcement.
• <00:44:10.920> and<00:44:11.040> fraud spent nearly 10 years in fraud and fraud spent
• nearly 10 years in fraud and fraud prevention<00:44:12.240> yes<00:44:12.760> uh<00:44
• I had to estimate fraud losses.
• <00:56:21.520> against publicly um as committing fraud against publicly um as committing fraud

Keywords: 1187, senate, all

Transcript Highlights:

• credible allegation of fraud is. credible allegation of fraud is.
• <01:49:46.639> Um do to consumer complaint data. Um do to consumer complaint data.
• upon us to do consumer protection. upon us to do consumer protection.
• This is relating to consumer protection, specifically Medicaid fraud. distributed.
• <02:45:28.560> fraud.

Keywords: 1187, senate, all

Transcript Highlights:

• and, frankly, our consumer fraud, all fraud, but the fraud that's actually, um, the ongoing programs
• and, frankly, our consumer fraud, all fraud, but the fraud that's actually, um, the ongoing programs
• and, frankly, our consumer fraud, all fraud, but the fraud that's actually, um, the ongoing programs
• and, frankly, our consumer fraud, all fraud, but the fraud that's actually, um, the ongoing programs
• and, frankly, our consumer fraud, all fraud, but the fraud that's actually the ongoing programs that

Keywords: 1183, house

Transcript Highlights:

• the sale of ungraded eggs to include not only on the farm but also farmers' market or directed to consumers

Bills: SB3, SB1346, SB1509, SB1928, SB2028, SB2071, SB2110, SB2117, SB2127, SB2134, SB259, SB1191, SB1246, SB1314, SB1439, SB1613, SB1930, SB1976, SB330, SB2069, SB2095, SB3, SB1346, SB1509, SB1928, SB2028, SB2071, SB2110, SB2117, SB2127, SB2134, SB259, SB1191, SB1246, SB1314, SB1439, SB1613, SB1930, SB1976, SB330, SB2069, SB2095

Keywords: industrial hemp, program licensing, agriculture, cannabinoids, state regulation, water infrastructure, wastewater, investment program, loans, local government, SB1509, groundwater, water wells, well spacing, water rights, Oklahoma Water Resources Board, OWRB, basin, subbasin, maximum annual yield

Transcript Highlights:

• We're going to show Senator Havilaugh, um, representing Texas Consumer Association for the bill not testifying

Bills: HB 45, HB 755, HB 1232, HB 1555, HB 2460, HB 2702, HB 2973, HB 3120, HB 3225, HB 3314, HB 3356, HB 3371, HB 3634, HB 3638, HB 4247, HB 4283, HB 4290, HB 4302, HB 4503, HB 4511, HB 4565, HB 4581, HB 4627, HB 4632, HB 4660, HB 4668, HB 4960, HB 5042

Keywords: housing, affordable housing, rent control, landlord-tenant laws, housing rights, lobbying, public entities, expenditures, government code, transparency, Texas Ethics Commission, government regulation, lobbying restrictions, government accountability, taxpayer money, HB 1232, whistleblower, whistleblower protection, public employee, retaliation

Transcript Highlights:

• But to everybody else's, your consumers are paying those costs currently.
• So, consumer complaints, a lot...
• We are one division at the agency that takes consumer complaints; those are public.
• It is the Consumer Protection Division of the Attorney General's Office.
• So if this bill doesn't pass, the consumers still have that option, correct?

Bills: HB45, HB755, HB 1232, HB1555, HB2460, HB2702, HB2973, HB3120, HB3225, HB3314, HB3356, HB3371, HB3634, HB3638, HB4247, HB4283, HB4290, HB4302, HB4503, HB4511, HB4565, HB4581, HB4627, HB4632, HB4660, HB4668, HB4960, HB5042, HB45

Keywords: housing, affordable housing, rent control, landlord-tenant laws, housing rights, lobbying, public entities, expenditures, government code, transparency, Texas Ethics Commission, government regulation, lobbying restrictions, government accountability, taxpayer money, HB 1232, whistleblower, whistleblower protection, public employee, retaliation

Transcript Highlights:

• Okay, we're going to show Sandra Haverlock representing the Texas Consumer Association. for the bill,

Bills: HB45, HB45, HB755, HB 1232, HB1555, HB2460, HB2702, HB2973, HB3120, HB3225, HB3314, HB3356, HB3371, HB3634, HB3638, HB4247, HB4283, HB4290, HB4302, HB4503, HB4511, HB4565, HB4581, HB4627, HB4632, HB4660, HB4668, HB4960, HB5042

Keywords: flooding, disaster response, emergency preparedness, state guidance, public safety, housing, affordable housing, rent control, landlord-tenant laws, housing rights, lobbying, public entities, expenditures, government code, transparency, Texas Ethics Commission, government regulation, lobbying restrictions, government accountability, taxpayer money

Transcript Highlights:

• I am the Director of Consumer Services.
• So one of the issues we're seeing is scams and fraud.
• fraud, but just fraud generally, Washington is number 10 in fraud with $368 million lost to fraud, and
• So we have a lot of the consumer ...of some of the CHISA consumers that we talked with here in Washington
• Of all the HISA consumers, yet we believe it's a very diverse sample of HISA consumers with varied experiences

Summary: The committee first heard a work session on cryptocurrency kiosks from the Department of Financial Institutions and Spokane City Councilmember Paul Dillon. DFI described crypto kiosks as licensed money transmission terminals that allow cash purchases of virtual currency, and said the main concern is fraud: scammers often pressure victims, especially older adults, to deposit cash into kiosks and send it to wallets controlled by organized crime. DFI cited a sharp increase in kiosk volume, nationwide fraud complaints and losses, and said Washington currently has licensing and disclosure rules but lacks transaction and fee limits. The department said it is seeking stronger disclosures, a $1,000 daily transaction limit, and a fee cap. Spokane described its unanimous ordinance banning new kiosks and removing existing ones after local scam reports, and members asked about how the machines work, whether the fraud is in the hardware or the transaction, and whether stronger warnings or screening could help. The committee then reviewed home equity sharing agreements, or CHISAs, based on a report by Mariana Amaram and testimony from DFI and industry representatives. The report found that CHISAs provide homeowners a lump sum in exchange for a share of future home value or appreciation, with no monthly payments, but that consumers often struggle to understand the products and settlement calculations. The report said the market has grown quickly in Washington, that costs can be hard to predict, and that early uncapped contracts could produce very high settlement amounts, especially during periods of rising home prices. DFI said it views these products as mortgage loans and is moving forward with rulemaking, including counseling and clearer disclosures, while industry witnesses said the products are equity-based rather than debt-based and asked for tailored regulation. Members discussed the need for better consumer education, clearer payoff schedules, and whether the products should be treated as mortgages or a separate category. The final panel focused on Washington’s space economy, with presentations from Amazon Leo, Blue Origin, Stoke Space, Space Northwest, and Green River College. Speakers highlighted major in-state investments in satellite manufacturing, launch systems, and workforce training, including Amazon Leo’s Redmond and Kirkland facilities, Blue Origin’s Kent headquarters, and Stoke Space’s Kent manufacturing and Moses Lake test site. Space Northwest presented data showing the sector’s growing economic footprint, high-wage jobs, and regional clusters in Kent and Redmond, and urged more workforce programs, incentives, infrastructure support, and a state space commission. The companies emphasized local hiring, apprenticeship and certification programs, and the role of Washington’s aerospace supply chain in supporting the broader space industry. No votes were taken during the transcript excerpt.