Video & Transcript : 'overregulation' :
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AL
Alabama 2025 Regular Session
Alabama House Commerce and Small Business Committee Apr 23rd, 2025
Commerce and Small Business
Transcript Highlights:
- Um, big picture, we believe this is part of a broader problem at the local level on overregulating our
Committee:
House Commerce and Small Business
Keywords:
internet filtering, child protection, obscene content, civil liability, manufacturers, real estate, licensing, brokerage agreements, team structure, penalties, consumer protection, residential construction, architect approval, building regulations, engineering, single family homes, invisible disability, distinctive license plate, specialty plate, motor vehicle registration
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Mar 19th, 2025
Transcript Highlights:
- The right was, “Oh, overregulation.” The left was, “Oh, no, they're all greedy.”
- Isn't it overregulation over the last 30 years that has led to the current crisis?
Summary:
The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0.
The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026.
Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.
MN
Transcript Highlights:
- But right now we know that it is overregulated and underfunded.
- But right now we know that it is overregulated and underfunded.
- But right now we know that it is overregulated and underfunded.
- But right now we know that it is overregulated and underfunded.
- But right now we know that it is overregulated and underfunded.
Committee:
House Education Finance
Keywords:
education, literacy, science of reading, school performance, funding flexibility, innovation zones, equity and inclusion, HF52, New Germany, wastewater treatment, wastewater facility, sewer infrastructure, capital investment, bonding bill, state bonds, Public Facilities Authority, municipal infrastructure, water quality, sanitation, sewage treatment
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/12/25
Commerce Finance and Policy
Transcript Highlights:
- What I don't appreciate, and I'm not making a disparaging remark, is the overregulation that caused those
- What I don't appreciate, and I'm not making a disparaging remark, is the overregulation that caused those
- What I don't appreciate, and I'm not making a disparaging remark, is the overregulation that caused those
- What I don't appreciate, and I'm not making a disparaging remark, is the overregulation that caused those
- What I don't appreciate, and I'm not making a disparaging remark, is the overregulation that caused those
Committee:
House Commerce Finance and Policy
WY
Transcript Highlights:
- It's easy for us to overregulate, if you will, and break this in with us understanding it at the level
- It's easy for us to overregulate, if you will, and break this in with us understanding it at the level
- It's it's easy for us to overregulate<01:08:33.759><c> if</c><01:08:33.880><c> you</c><01:08:34.000><
- c> will</c><01:08:34.839><c> and</c><01:08:35.200><c> break</c><01:08:35.440><c> this</c> overregulate
- if you will and break this overregulate if you will and break this in<01:08:35.920><c> with</c><01:08
Committee:
House Revenue
CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 020 Feb 3rd, 2026
Colorado House Floor Meeting
Transcript Highlights:
- Something we should be doing in this state that's incredibly overregulated.
- Something we should be doing in this state that's incredibly overregulated.
- Something we should be doing in this state that's incredibly overregulated.
- Something we should be doing in this state that's incredibly overregulated.
ID
Transcript Highlights:
- It's overregulation.
- So I don't see where the free market is being overregulated or being put at risk.
Committee:
House Business
NY
Transcript Highlights:
- that we are not limiting consumer access to those things, particularly in New York, because of overregulating
Committee:
Senate Banks
Summary:
The Senate Banking Committee met for its first meeting of the session, with Chair James Sanders Jr. and Ranking Member George Borrello opening the hearing and noting a collaborative approach to committee work. The committee first considered and advanced several bills: S.114, which would prohibit state-chartered banks from investing in or financing private prisons; S.2040, which would require money transmitters to provide a consumer warning; S.5473, which would require disclosures in advertisements involving virtual tokens; and S.8406, Sanders’ bill to amend the community bank deposit program. Each bill was moved and approved by committee, with S.8406 passing unanimously.
The committee then heard from Caitlin Azar, Acting Superintendent of the Department of Financial Services (DFS), who outlined her background and DFS priorities. She emphasized affordability, consumer protection, stability, and innovation, and discussed DFS-led initiatives in the governor’s budget, including Banking Development Districts, non-bank mortgage CRA regulations, CDFI investment guidance, and consumer restitution. She also said DFS plans to issue buy-now-pay-later regulations in February, expand student lending protections and borrower education, and continue work on insurance affordability, including auto and homeowners insurance reforms, anti-fraud efforts, and discounts tied to telematics, dash cameras, and safe-driving courses.
Members questioned Azar about the balance between regulation and access, especially in crypto, buy-now-pay-later, and insurance markets. She said DFS aims to preserve competition while preventing discriminatory or excessive practices, and described existing oversight of virtual currency, including coordination with federal regulators. Another member asked about AI in auto insurance underwriting and pricing; Azar said DFS requires transparency, bias review, governance controls, and consumer recourse, and that credit scores cannot be used to deny or increase rates. The chair also raised concerns about foreclosure in Southeast Queens, improving BDD paperwork and data collection, and increasing the number of state-chartered credit unions. Azar said DFS is working on process improvements, community input, and maintaining open communication with the committee, but no additional votes or formal actions were taken during the DFS hearing.
MN
Minnesota 2025-2026 Regular Session
Common interest communities provisions modified 2/24/26
Minnesota House Floor Meeting
Transcript Highlights:
- that this addresses some of the concerns that the legislative working group uncovered without overregulating
- group um the legislative working group uncovered<00:51:53.040><c> without</c><00:51:53.680><c> overregulating
- </c><00:51:54.960><c> I</c> uncovered without overregulating. I uncovered without overregulating.
AZ
Transcript Highlights:
- being in the compacts because their spouses in the military can't get jobs because of the onerous overregulation
- So this is going to relieve some of that government overregulation.
- So this is going to relieve some of that government overregulation.
- So I think I understand the intent of Representative Carter's bill in that we don't want to overregulate
MN
Transcript Highlights:
- because of their fault but because they were not properly trained, and the READ Act is already overregulated
- because they were not properly trained, and that the READ Act is trying to be implemented while overregulated
- We do not have an educated society without being literate, and we're seeing it work, but it is overregulation
- 00:56:06.640><c> is</c> and we're seeing it work but it is and we're seeing it work but it is overregulation
- and underfunded and so I overregulation and underfunded and so I want<00:56:09.880><c> us</c><00:56:
Committee:
House Education Policy
MA
Massachusetts 2025-2026 Regular Session
Formal House Session 51 Jun 21st, 2026 at 11:00 am
Massachusetts House Floor Meeting
Transcript Highlights:
- mature, facing a myriad of mounting challenges from raising new capital to increasing costs to overregulation
Summary:
The House opened with the Pledge of Allegiance and welcomed students from the Frederick C. Murphy School in Weymouth, along with other guests introduced by members. The chamber then suspended Joint Rule 12 to allow several petitions to be referred, including proposals on alcohol labeling for beers consumed on premises, parity in funding for regional vocational and traditional public schools, and legal protections for victims of childhood sexual abuse.
The main floor business was House No. 4187, An Act Modernizing the Commonwealth’s Cannabis Laws, reported by Ways and Means as a substitute bill. Members speaking in support described it as a comprehensive overhaul of the Cannabis Control Commission and the state’s cannabis and hemp regulatory framework. The bill would reduce and restructure the CCC, expand options for cannabis businesses and social equity operators, raise license and ownership caps, remove the vertical integration requirement for medical marijuana, and create stronger rules for hemp and CBD products, including a ban on unregulated intoxicating hemp products and a new regulatory structure for allowable hemp beverages and CBD items.
Several amendments were offered and adopted by roll call, including changes narrowing the hemp beverage ban from 11 ounces to 7.5 ounces, requiring out-of-state testing labs to be certified in good standing with the commission, and other technical revisions. After debate, the House passed H. 4187 to be engrossed by a roll call vote of 153-0. The chamber also passed to be engrossed two sick leave bank bills, for Andrew Satara and Dana Johnson, and ordered House No. 1590, establishing a sick leave bank for Eric J. Wenaka, to a third reading. The House then adopted an order to meet the next day at 11 a.m. and adjourned.
ID
Transcript Highlights:
- So we didn't want to overregulate or overinclude establishments.
Committee:
House Agricultural Affairs
FL
Florida 2025 Regular Session
Education Pre-K - 12 Mar 3rd, 2025
Transcript Highlights:
- WE TEND TO THINK MOST SCHOOLS, PERHAPS ALL SCHOOLS ARE OVERREGULATED TO 1° OR ANOTHER SO THERE ARE MANY
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/20/25
Commerce Finance and Policy
Transcript Highlights:
- So, I think the market is doing it fine now and I think when we try to overregulate it, we're going to
- So, I think the market is doing it fine now and I think when we try to overregulate it, we're going to
- when<01:02:35.520><c> we</c><01:02:35.680><c> try</c><01:02:35.760><c> to</c><01:02:35.920><c> overregulate
- </c><01:02:36.480><c> it,</c><01:02:36.640><c> we're</c> when we try to overregulate it, we're when we
- try to overregulate it, we're going to<01:02:37.040><c> get</c><01:02:37.520><c> the</c><01:02:37.760
Committee:
House Commerce Finance and Policy
MN
Transcript Highlights:
- Minnesota has an opportunity to lead not by resisting AI's evolution or overregulation, but by harnessing
- Minnesota has an opportunity to lead not by resisting AI's evolution or overregulation, but by harnessing
- Minnesota has an opportunity to lead not by resisting AI's evolution or overregulation, but by harnessing
- But there's a potential for overabuse by government overregulating and mandating and actually retarding
- He said there needs to be a proper balance, not overregulation, but transparency so that if there is
Committee:
Senate Labor
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 4/2/25
Housing Finance and Policy
Transcript Highlights:
- get to the heart of the issue<00:18:55.440><c> of</c><00:18:55.760><c> of</c><00:18:56.240><c> overregulating
- </c><00:18:57.120><c> things</c><00:18:57.360><c> and</c> issue of of overregulating things and issue
- of of overregulating things and making<00:18:57.840><c> sure</c><00:18:58.000><c> that</c><00:18:58.160
Committee:
House Housing Finance and Policy
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Advanced Information Technology, the Internet and Cybersecurity Jun 21st, 2026 at 01:00 pm
Joint Committee on Advanced Information Technology, the Internet and Cybersecurity
Transcript Highlights:
- committee not to buy into narratives of science fiction and the Terminator, as referenced earlier, and overregulate
- You had mentioned Europe as an example of the consequences of overregulation.
Summary:
The committee held a hearing on several artificial intelligence bills, opening with remarks about the 9/11 anniversary and then broad statements from the co-chairs about AI’s promise and risks. Chair Farley-Bouvier and Senator Moore emphasized the need for guardrails, transparency, and worker and consumer protections, while Senator Finegold described Senate Bill 37, which would create a framework for AI model training with safety assessments, audits, incident reporting, Attorney General oversight, and workforce reporting. Members also discussed Massachusetts’ position relative to other states and the need for state action in the absence of federal regulation.
A large portion of the hearing focused on the Fair Act, House 77 and Senate 35, which would limit workplace surveillance, restrict collection of biometric and location data, require notice and human review for automated employment decisions, and protect workers from retaliation. Labor leaders, including AFL-CIO, AFSCME, AFT, SEIU, building trades, and other worker representatives, testified in support, describing harms from bossware, automated benefits denials, hiring and promotion screening, scheduling, and monitoring in workplaces ranging from health care and education to manufacturing and construction. They argued that AI systems are already affecting wages, benefits, safety, and job security, and that Massachusetts should act now to set clear rules.
The committee also heard testimony on House Bill 74, which would require informed consent and clear contract terms for digital replicas of voices and likenesses, with SAG-AFTRA representatives supporting the bill as a protection for performers and creators. Another major topic was Senate Bill 51 on social media algorithm accountability and transparency; child safety advocates, researchers, and a public health expert described harms from engagement-based algorithms, including exposure to harmful content, eating disorders, and youth mental health impacts, and supported independent audits and public reporting. A few industry and civil liberties witnesses supported regulation but urged balance, warning against overly burdensome rules while acknowledging the need for privacy, transparency, and accountability. No votes or final committee actions were taken in the hearing excerpt.
ID
Transcript Highlights:
- I would say that overregulation is the responsibility of us.
MN
Minnesota 2025-2026 Regular Session
Senate Floor Session - Part 3 - 05/17/26
Minnesota Senate Floor Meeting
Transcript Highlights:
- And when I have talked to them, they said they are just sick of the overregulation by the state.
- And when I have talked to them, they said they are just sick of the overregulation by the state.
- And when I have talked to them, they said they are just sick of the overregulation by the state.
- They are just sick of the overregulation by the state.