Transcript Highlights:

• transaction when they booked the room. transaction when they booked the room.
• I need to report a the consumer.
• <01:58:37.760> that have 6,000 7,000 total transactions that have 6,000 7,000 total transactions
• <01:58:49.679> as does include commercial transactions as does include commercial transactions
• , dimminimous amount of alcohol consumed, dimminimous amount of alcohol consumed, but<03:36:19.680

Keywords: 928, house, all

Summary: The committee first discussed a budget-related issue involving liquor commission enforcement staff and tobacco enforcement funding. A member explained that proposed cuts to “group two” enforcement positions at the liquor commission could jeopardize the tobacco enforcement money that flows to Health and Human Services, and expressed confidence that the enforcement division would ultimately be preserved. The main hearing was on Senate Bill 19, which would modernize hotel and motel statutes by repealing outdated requirements. The sponsor and the New Hampshire Lodging and Restaurant Association said the bill would remove obsolete rules such as the old guest book/card system and antiquated posting requirements for room rates and motel signs. Members questioned whether the bill would eliminate the requirement to record guest departure dates or affect inspection rights, and the witnesses said the intent was only to remove the book-and-card reference while leaving the rest of the recordkeeping requirement in place. Supporters argued the rate-posting rules are widely ignored, hard to enforce, and outdated in an era of digital reservations and variable pricing; the committee also discussed whether any consumer-protection purpose remained. The public hearing on SB 19 was then closed. The committee then heard Senate Bill 280FN, which would require food delivery services to have an agreement with a restaurant or food retail store before offering delivery from that business. The sponsor said the bill restores a prior law that had sunset and was intended to prevent third-party platforms from listing restaurants without consent. Restaurant industry testimony strongly supported the bill, describing problems with unauthorized listings, delayed deliveries, and reimbursement disputes, and saying the agreement requirement protects restaurant brands and consumer expectations. Members shared examples of delivery problems and voiced support for reinstating the safeguard.

Transcript Highlights:

• This incentivizes participation in the program by savings institutions limits the consumer choice of
• or dividend generally available from the institution. 2, it's comparable non I own a business or consumer
• And more day in and day out, we are protecting consumers fighting for veterans assisting children, guiding
• This bill makes gold and silver able to be used transaction Ali with electronic transmission debit card
• Chase Mitchell DFS waiving in support Tasha Carter, Florida's insurance consumer advocate waiving in

Keywords: 999, senate, all

Transcript Highlights:

• SP 3035 relating to real estate transactions. SP 3035 relating to real estate transactions.
• .<01:48:39.520> Um transactions.
• Um transactions. Um >> excuse<01:48:40.320> me.
• relating to real estate transactions. relating to real estate transactions.
• <01:49:04.159> protection move this forward to consumer protection move this forward to consumer

Bills: SB2982, SB2367, SB2818, SB2944, SB2022, SB2240, SB2986, SB2547, SB2401, SB3031, SB3035, SB3032

Keywords: foreign influence, campaign finance, contributions, state elections, transparency, election integrity, Ala Wai Small Boat Harbor, Ala Wai Harbor, DLNR, BLNR, Department of Land and Natural Resources, Board of Land and Natural Resources, state boating facility, small boat harbor, public-private partnership, PPP, marina management, harbor lease, fast lands, submerged lands

Summary: The committee heard testimony on several measures, beginning with SB 2982 on campaign finance, which would prohibit foreign entities and foreign-influence businesses from making contributions and expenditures. The Attorney General’s office testified first, followed by the Campaign Spending Commission, which supported the bill but asked for clarification on constitutional review authority and additional implementation time for certifications, forms, and procedures. Common Cause also supported the measure, arguing it would help protect elections from dark money and foreign influence. No vote was taken. The committee then took up SB 2367 on a state boating facilities lease program for the Ala Wai small boat harbor. DLNR supported the bill, while UPW opposed it, warning about privatization of a public asset and possible job displacement. Several members of the public supported the concept but urged amendments to protect public access, affordability, youth ocean programs, and state employee jobs. Committee members questioned DLNR about the scope of the lease, the role of the Board of Land and Natural Resources, and whether public access and existing concessions would remain protected. DLNR said current leases would remain, the board would retain approval authority, and employees would not necessarily be displaced, but members indicated more discussion and possible amendments were needed. For SB 2818 on boating penalties, DLNR testified in support and there was no opposition testimony. The committee also heard SB 2944 on conservation, which would require wildlife viewing guidelines that substantially conform to NOAA guidance and reporting requirements; DLNR said it stood on its written testimony. SB 2022 on water code penalties drew support from DLNR’s Commission on Water Resource Management, which said the bill’s two-tiered penalty structure would preserve deterrence while keeping the current $5,000 penalty for first-time or non-harmful violations. The Board of Water Supply submitted comments, and Ulupono Initiative supported the measure as a needed enforcement tool. Committee members discussed whether the higher penalty ceiling should be phased in and asked for stakeholder input on the amount of the penalties. Finally, the committee began SB 2240 on land use, which would require water availability certification from the Commission on Water Resource Management before a district boundary amendment proceeds to the Land Use Commission. DLNR supported the bill and said it often reviews project documents that lack sufficient information on water needs and availability, so the measure would allow earlier review and comment. The committee also indicated it would seek amendments and further feedback on the water penalty bill before it moved to the next committee.

Transcript Highlights:

• want to consume services, and how they want to interact with us.
• They actually can do live transactions in the sandbox environment.
• less than 10 minutes for a normal driver's license transaction.
• Closing a $100 million transaction is a pretty complex deal.
• OK, I mean, yeah, they go double check On the transactions and all that.

Keywords: 914, all

Transcript Highlights:

• And then having a framework that I think works for those who are consuming the services and, obviously
• It would also amend the exemption for certain non-insurer transactions by certain dealers to require
• What about the time, the consuming time, and everything else it comes with the E-Verify?
• It's bad for consumers. It's bad for employees, and it's bad for employers.
• It's bad for consumers. It's bad for employees, and it's bad for employers.

Summary: The committee first took up HB 703 on utility relocation, as amended by a strike-all. The sponsor said the bill would require government authorities that order communication service providers to move infrastructure to pay the relocation costs, clarify expedited timelines, and align the House bill with the Senate version. Supporters argued the communication services tax should help cover these costs, while cities and counties warned the bill would shift major unfunded costs to local governments and taxpayers, especially in fiscally constrained counties. After public testimony from local government and industry representatives and debate over fairness, coordination, and the tax’s intended use, the committee adopted the strike-all and then passed the bill favorably on a roll call vote. The committee then heard and passed CS/HB 379, a securities package updating Chapter 517. The bill and conforming amendment made several technical and policy changes, including expanding certain exemptions, updating foreign jurisdiction and exchange considerations, revising merger-and-acquisition broker rules, aligning fingerprinting requirements with FBI standards, and adding protections related to financial exploitation of specified adults. Industry and Office of Financial Regulation witnesses supported the measure, and the committee adopted the amendment and reported the bill favorably without opposition. Next, the committee passed CS/HB 867 establishing the Coastal Link Commuter Rail Service Act to create a legal framework for commuter rail operations along Florida’s coastal corridor and to help Miami-Dade, Broward, and Palm Beach counties secure insurance and indemnification for service on the Florida East Coast Railway right-of-way. The Florida Chamber supported the bill, and it was reported favorably without debate. The committee also passed CS/HB 1161, which revises Florida’s deepfake law to require covered platforms to remove altered sexual depictions and copies upon request by the victim; the bill drew emotional testimony from a student victim and broad support from members, and a severability amendment was adopted before the bill passed unanimously. The committee then passed CS/HB 453 on pool and spa contractors, which updates Chapter 489 terminology and scope-of-practice rules and, through amendment, limits certain equipment to commercially available products. Finally, the committee passed HB 955 requiring all private employers to use E-Verify for new hires, removing the small-employer exemption. Supporters framed it as workforce integrity and rule-of-law legislation, while opponents warned about labor shortages, burdens on small businesses, and impacts on immigrant workers. After debate, the bill passed 19-3. The committee then began hearing CS/HB 541 on minimum wage requirements, which would allow voluntary waivers of minimum wage for certain internships, pre-apprenticeships, and on-the-job training; the sponsor presented an amendment limiting the duration and clarifying minor waivers, and the committee heard both support from small business groups and opposition from labor, immigrant, and worker advocates before the transcript ended.

Transcript Highlights:

• consumer comprehensive federal consumer protection<00:04:47.920> frameworks.
• It requires ongoing transaction.
• This program is self-funded through a small transaction fee baked into the advertised price that a consumer
• more useful for consumers. more useful for consumers.
• provide education for consumers. provide education for consumers.

Keywords: 926, house, all

Summary: The House first suspended the rules briefly to make announcements, including welcoming former representative Doug Gage to the gallery. It then returned to House Bill 211 on data brokers and personal information, where the Appropriations Committee explained a $50,000 appropriation to the Secretary of State for a consultant-led study on an accessible deletion mechanism for consumers to delete personal data held by data brokers, with interim and final reports due in 2027 and 2028. The committee reported a 9-0-2 vote in favor, and the House agreed to the Commerce and Economic Development Committee’s amendment and ordered third reading. Floor debate on H. 211 focused heavily on the bill’s deletion and exemption framework. Supporters argued the bill is needed to give Vermonters meaningful control over their data and to prevent data brokers from commingling information for unrelated uses. Opponents warned the bill could conflict with existing federal frameworks such as the Fair Credit Reporting Act, Gramm-Leach-Bliley, and the Driver’s Privacy Protection Act, and could make credit, banking, insurance, fraud prevention, and identity verification harder. In response, the sponsor said the bill uses use-case-based exemptions rather than broad entity-level exemptions, noted testimony from banks, insurers, a data broker, a former data broker employee, and the Attorney General, and said no constitutional concerns were raised. The House ultimately adopted the amendment and advanced the bill. After H. 211, the House moved to House Bill 577, establishing the Vermont Prescription Drug Discount Card Program. Committee reports from Health Care, Ways and Means, and Appropriations were read into the record, and the Colchester member described the bill as a way to lower prescription drug costs by joining the multi-state Array Rx program. The bill would let any Vermont resident obtain a free discount card for FDA-approved prescription drugs, with claimed savings up to 80% on generics and 20% on brand-name drugs. The House then proceeded to second reading on H. 577.

Transcript Highlights:

• And merchant cash advances are a sales-based financing transaction repaid over time as a percentage of
• So it doesn't ban these types of transactions, but it requires licensure and regulation by DFR.
• <00:58:56.480> repaid salesbased financing transaction repaid salesbased financing transaction
• but it requires lensure and transactions but it requires lensure and regulation<01:00:09.200> by<
• <01:34:19.600> genetic uh of the uh direct to consumer genetic uh of the uh direct to consumer

Keywords: 927, senate, all

Transcript Highlights:

• I'd just say this is good consumer protection language.
• But other than that, good consumer protection legislation here.
• But other than that, good consumer protection legislation here. Thank you both for your work on it.
• That is a 72-hour hold or a full refund of transactions for new users, those users who are in within
• >> Mhm. or a full refund of transactions >> Mhm. or a full refund of transactions for

Keywords: Meeting Start 00:00 Call to Order and Roll Call 00:11 Discussion SB 97 01:06 Vote SB 97 12:42 Discussion SB 189 14:11 Vote SB 189 18:12, 958, all

Transcript Highlights:

• The new rate disincentivizes participation in the program by savings institutions, limits consumer choice
• rate or dividend generally available from the institution to its comparable non-IOTA business or consumer
• To its comparable non-IOTA business or consumer accounts or non-matured deposit accounts, provided that
• Much lower for CDs than for a checking account that has 1,800 wires and 200 check transactions, right
• Tasha Carter, Florida Insurance Consumer Advocate, waiving in support.

Summary: The committee heard several bills and amendments, beginning with CS/SB 498 on trust fund interest for IOTA accounts. The sponsor said a 2023 Florida Supreme Court rule sharply increased interest paid into legal aid funding, creating a windfall and making participation difficult for banks. An amendment was adopted requiring savings institutions to pay the higher of 0.25% or the highest comparable rate offered on certain non-IOTA accounts, and the bill then passed favorably after testimony from banks, legal aid representatives, and other stakeholders both supporting and opposing the measure. The committee also approved CS/SB 232, which clarifies Florida’s consumer collection law applies only to phone calls during restricted hours and not emails or text messages, after a delete-all amendment and supportive testimony from industry groups. It then approved SB 132, as amended, to designate gold and silver as legal tender and set rules for custody, audits, electronic transfer, and government acceptance of payments; supporters called it a sound-money measure, while the banking association said it still had unresolved technical concerns. Later, the committee passed SB 1466 to create a trust fund for the My Safe Florida Home Program, with an amendment funding it from 20% of collected insurance premium tax revenue. It also considered SB 1206 on transportation network company insurance, reducing coverage during the “dead-leg” period before a rider is picked up from $1 million to lower limits; the bill drew sharp opposition from trial lawyers and support from insurers and some business groups, and the committee adopted a clarifying amendment before reporting the bill favorably. Finally, CS/SB 924 on fertility preservation for cancer patients was amended several times to narrow scope and clarify coverage rules, then passed favorably after debate over cost, preauthorization, and post-treatment storage obligations. The committee adjourned after allowing technical and conforming changes to implement the adopted amendments.

Transcript Highlights:

• <00:43:14.560> The with fewer consumer protections. The with fewer consumer protections.
• <00:44:25.440> that destabilized by the transactions that destabilized by the transactions
• :35.279> are And typically these transactions are And typically these transactions are being<01
• uh a park transacts. uh a park transacts. >> Thank<01:12:29.440> you.
• to a very small number of transactions to a very small number of transactions that<01:27:25.280>

Bills: HF4234, HF484, HF483, HF2614

Keywords: HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, natural gas, gas hookups, residential construction, energy policy, local control, state preemption

Transcript Highlights:

• So we'll consume. Was that participate in news have the same quality?
• All all of the relative things that any consumer would want. >> When they're purchasing health insurance
• But, you know, consumers, it's still we want to make sure that they're getting the best plans available
• this bill creates an efficient, effective regulatory framework for pet insurance, other benefit consumers
• And I think, you know, prophylactic sense, exercising caution to delay disbursement transaction from

Keywords: 999, senate, all

Transcript Highlights:

• <00:04:35.280> uh<00:04:35.400> for<00:04:35.639> cost helpful for consumers
• uh for cost helpful for consumers uh for cost savings<00:04:36.800> and<00:04:37.000> for<
• Choice when the people denying consumer Choice when the people affected<00:05:10.039> must<00
• So energy choice and freedom will provide essential life-saving energy options for consumers.
• so all of those services transactions so all of those transactions<01:05:03.680> through<01:05

Bills: HF484, HF483, HF1447, HF1496, HF554

Keywords: natural gas, gas hookups, residential construction, energy policy, local control, state preemption, municipal regulation, county ordinance, electrification, climate policy, housing development, building codes, energy source, utility infrastructure, Minnesota Statutes chapter 326B, propane, utility service, building permits, local government, energy choice

Transcript Highlights:

• During his service as Attorney General, Mark championed consumer protection in Arizona, securing over
• And the consumer rights advocate that he was, and I agreed with him because I ran the bill, we were able
• House Bill 2290, amending Section 42540, A.R.S., relating to transaction privilege tax.
• House Bill 2290, amending Section 42540, A.R.S., relating to transaction privilege tax.
• audited by two different locations with regard to one particular transaction.

Keywords: 1182, all

Summary: The House convened with prayer, the Pledge of Allegiance, guest introductions, and recognition of Arizona School Board Association members and local school board representatives visiting the Capitol for Advocacy Day. Members also honored the House Doctor of the Day, Dr. Heather Serran, and approved the journal and attendance. The chamber then moved through a large number of Senate messages and House calendar items, including committee assignments and first and second readings of many bills. A major floor action was the unanimous adoption of SCR 1054 honoring former Arizona Attorney General Mark Brnovich, followed by remarks remembering his public service and consumer-protection work. The House also agreed to return SB 1278 to the Senate for reconsideration and referred several House bills to an additional Committee of the Whole for further amendment. In Committee of the Whole, members considered and advanced numerous bills, including HB 2055, 2150, 2426, 2456, 2457, 2728, 2755, 2918, and 2923, with several floor amendments adopted. HB 2728 drew the most debate over Department of Economic Security continuation and added policy changes affecting SNAP, unemployment, and eligibility verification; after a divided question and recorded vote, it received a do-pass recommendation by 32-25. The House also advanced HB 2134, 2142, 2289, 2290, 2331, 2379, 2397, 4026, and 4033 in later Committee of the Whole sessions, with discussion focused on school safety funding and governance, school board training, HOA disclosure reforms, tax sourcing clarity, and bond disclosure language. Several bills were retained on the calendar, including HB 4041, HB 2444, HB 4018, and HB 4070. In final third-reading votes, HB 2053, HB 2327, and HB 2416 passed; HB 2175 and HB 2492 failed; and HB 2805, which would make school board races partisan, was under debate at the end of the transcript amid strong arguments both for and against increasing partisanship in school board elections.

Transcript Highlights:

• concept that in terms of consumer concept that in terms of consumer protection,<00:40:33.760>
• investigators um follow up on consumer investigators um follow up on consumer complaints.<00:56:
• This is about consumer protection.
• Um, and and about consumer protection.
• I think it'll be consumer protection.

Keywords: 1189, house, all

Summary: The committee met in a transportation work session and executive session, with the chair explaining the format change to allow fuller discussion and possible expert input before votes. The committee first took up House Bill 209, which would have allowed a new vehicle purchased in the model year or before to be inspected in the second year after purchase. Members said the bill was rendered unnecessary by the broader repeal of vehicle inspections, and the committee voted 16-0 to deem it inexpedient to legislate (ITL), with consent. The same outcome followed for House Bill 212, which would have allowed a 180-day operation waiver when a motor vehicle failed an emissions control test, and House Bill 533, which concerned civilian employees and commercial truck inspections. In both cases, members said the inspection repeal made the bills unnecessary, and in the commercial truck bill there were also concerns that the language did not fit federal requirements and referenced state inspection laws rather than federal ones. Both bills were voted ITL 16-0 and adopted by consent. House Bill 298, dealing with vehicle identification number-related issues and antique vehicle authenticity, also received an ITL recommendation 16-0. Members said the proposal raised fraud concerns and could affect the value and authenticity of antique vehicles, and several said the bill needed more work before any future consideration. The committee then moved to Senate Bill 150, which would define electric vehicle charging stations and establish annual testing fees for the Division of Weights and Measures. That bill drew the most discussion: Representative Sykes described a personal experience with a malfunctioning charging station and a large, unclear bill, arguing that consumer protection regulation is needed. Representative Miller said the fee structure seemed high compared with other inspections and that third-party inspectors were not allowed, though he acknowledged some need for consumer protection. Senator David Watters, the sponsor, said the bill should be improved and suggested a lower annual fee and a fund-based approach to build an inspection program over time. Cheryl, the director of Weights and Measures, testified that the division needs authority, staffing, licensing categories, and expensive test equipment to oversee EV chargers, and that current rules do not adequately cover this emerging technology.

Transcript Highlights:

• We would be forced as assessors to interpret intent behind complex, multi-step transactions designed
• This opens a door additionally for step transactions, which would increase appeals, legal reviews, and
• additional administrative burdens. step transactions, which would increase appeals, legal reviews, and
• It goes from 5% of every transaction to 10%.
• So large energy consumers, one thing they all share, are all a part of the base interruptible program

Summary: The Assembly Committee on Revenue and Taxation heard a series of tax-related bills, with several measures referred to suspense and a few advancing. SB 284 would clarify Proposition 19 rules for inherited family homes in probate, including when the one-year residency clock starts and whether title consolidation among siblings triggers reassessment; supporters included the California Association of Realtors, while county assessors opposed the sibling-transfer language as creating ambiguity. The bill was sent to suspense. SB 863 was taken up on the consent calendar and passed 6-0 to the Assembly floor. SB 333 would let San Luis Obispo County voters consider raising a local tax rate limit to fund transportation projects; supporters said it would help the county become self-help for major road needs, while opponents argued it would make it easier to raise regressive sales taxes. The committee approved the bill 5-2, as amended with a five-year sunset. SB 376, which clarifies that charitable remainder trusts are not treated as incomplete gift non-grantor trusts for California income tax purposes, drew support from the California Lawyers Association and no opposition, and passed 5-2 to Appropriations as amended. The committee also heard SB 591, which would replace steep penalties for failing to use electronic funds transfer with fixed penalties of $100 for a first violation and $500 thereafter; supporters said current penalties can be excessive and out of proportion, and the bill was sent to suspense. SB 419 would partially exempt hydrogen fuel from the state sales and use tax while leaving the existing road fee in place; supporters said it would help hydrogen adoption and parity with other clean fuels, while one environmental group opposed unless amended, and the bill went to suspense. SB 587 proposed a state tax credit for local sales tax paid on manufacturing equipment to encourage investment and jobs; it had broad business support and no opposition, but was also sent to suspense. SB 710 would extend and update the property tax exclusion for solar installations, with broad support from clean energy and local government groups and some opposition from large energy consumers; it too was referred to suspense. Finally, SB 663 would extend deadlines and exemptions for wildfire victims and certain nonprofit and disabled veteran properties; it received support from assessors and committee members but was also sent to suspense for further work.

Transcript Highlights:

• They have daily activity, monthly activity, and it could be anywhere from 100 transactions a month to
• 2,500 transactions.
• It removes permits that delay consumers from obtaining critical coverage in the marketplace.
• paperwork that they have to do in this streamlined process, and it makes it hopefully easier for consumers
• We have Kevin Doyle waiving in support from the Consumer Energy Alliance.

Keywords: 999, senate, all

Transcript Highlights:

• . that gives consumer the bill of sale. that gives consumer protection<00:08:50.320> to<00:08:
• Um, right. it on a $1,200 transaction.
• :36.399> is The consumer protection basically is The consumer protection basically is still<00
• So that consumer national database.
• Um we were just in the the c consumer.

Keywords: 1189, house, all

Transcript Highlights:

• <00:17:42.720> So transactions and other forms. So transactions and other forms.
• It's used for redemption and clearing of transactions, and that it is a blockchain-based asset.
• It's used for redemption and clearing of transactions, and that it is a blockchain-based asset.
• <01:57:32.159> of But in the everyday transaction of But in the everyday transaction of individuals
• protection. to security um and consumer protection.

Keywords: 1189, house, all

Summary: The commission met on November 12 and first approved the September 17 and October 15 draft minutes unanimously after brief discussion. Members also identified themselves for the record, including a new member from Bumpsk Bank, a staff attorney from the Secretary of State’s Bureau of Securities Regulation, a prior crypto commission participant, and a uniform law commissioner involved in tokenization projects. The main presentation was by UNH law professor Seth Orinberg, who discussed the federal GENIUS Act and the pending Clarity Act and how they affect New Hampshire’s options in the digital asset space. He described the GENIUS Act as governing payment stablecoins/stable tokens, defining them as blockchain-based assets used primarily for payments, redeemable for a fixed amount of national currency, and required to maintain stable value. He said the law creates three possible state roles: hosting federally qualified issuers, becoming a state qualifier for issuers up to a $10 billion threshold, or exploring state-backed issuance as a sovereign. He noted that the state-qualification path would require conforming legislation, examination capacity, and coordination with Treasury, while the sovereign-issuer theory is legally uncertain and may become a test case. Orinberg also outlined the core compliance framework he said applies to covered issuers: 100% reserve backing in high-quality liquid assets, monthly public reserve reporting, no yield or interest-like rewards, segregation of reserve assets, immediate redemption at face value, and anti-money-laundering/know-your-customer obligations. He then turned to the Clarity Act, describing it as a broader market-structure bill that would create categories such as digital asset, digital commodity, digital security, and ancillary asset, with self-certification procedures for issuers. He said the two federal laws together would separate payments from investments, preempt inconsistent state standards for covered payment stablecoins, and likely reshape the boundaries of state authority over digital assets.

Transcript Highlights:

• In a recent viral Instagram post, which is how many of us consume our news, unfortunately, a local California
• And that transaction comes with human responsibility and a moral commitment.
• Carmen Bulber on behalf of Consumer Watchdog in support.
• witnesses in terms of the price being the same, you know, There are a lot of other things in a transaction
• That's not a phrase that we generally see used in commercial transactional law dealing with duty of care

Keywords: 988, house, all

Transcript Highlights:

• HB 4233 is focused on clarity, accountability, and efficiency and maintains strong safeguards for consumers
• The bill ensures that consumers are well informed about their digital assets.
• Such transparency is essential for fostering trust and enabling consumers to make informed financial
• Texas is at the forefront with this legislation, setting a framework that not only enhances consumer
• So we put in quite a lot of consumer protections last session.