Transcript Highlights:

• Voters will see upfront, Financing plan. Clear financial disclosure.
• This bill does still allow for low-emission vehicles and structures to be used for offloading.
• And it's typically been passenger vehicles. It's not been commercial vehicles.
• And it's typically been passenger vehicles. It's not been commercial vehicles.
• In May of 2025, a vehicle turned onto the freeway, causing someone to be airlifted.

Summary: The Senate Local Government and State Parks Committee heard several bills focused on local government finance, land use, and public safety. SB 5903 would deem a cemetery district commissioner elected if only one qualified candidate files, with sponsor Senator Cortez saying it would save ballot-printing costs and local resources; there was no testimony in opposition. SB 6037 would create or modify a voter-approved option for cities and towns to form a single-city fire protection district, adjust levy and notice rules, allow administrative service contracts with the city, and clarify commissioner elections; Senator Cortez and multiple city and fire officials said it would give communities more flexible, locally controlled funding tools for fire service, while committee members asked about how it would work and the fiscal impact. SB 5983 would exempt certain current-use land transferred to a government entity for right-of-way from rollback taxes when the transfer is tied to development conditions and stays within a 20% acreage limit; Senator Leas described it as helping a family farm avoid an unfair tax bill, and there was no testimony on the bill. The committee also heard SB 5995, which would remove the 2031 sunset on the prohibition against using port funds to buy fully automated marine container cargo handling equipment. The sponsor and labor witnesses argued the bill protects jobs, keeps public dollars from underwriting automation, and still allows zero-emission, human-operated equipment; port and labor representatives testified in strong support, while the sign-in sheet showed substantial public interest both for and against. SB 6016 would change how urban growth area swaps treat critical aquifer recharge areas, making the rules for annual and periodic updates more consistent and allowing swaps if they do not increase net CARA acreage within the UGA; the sponsor, Commerce, housing, business, and development interests said it was a technical fix that supports housing and consistency, while one witness warned it could weaken groundwater protections and create litigation risk. Finally, the committee heard SB 6066, which would let counties, cities, towns, or WSDOT designate “accident risk zones” on roads with repeated crashes, require a public hearing and engineering review, double certain traffic penalties in the zone, and dedicate half the extra revenue to safety improvements before dissolving the zone. Supporters from cities, counties, and Pasco said it could help address dangerous intersections and fund fixes, though several witnesses raised liability and implementation concerns and asked for further stakeholder work. No votes were taken in the transcript; the chair closed each hearing after testimony and sign-in counts were noted.

Transcript Highlights:

• House Bills 905, 906, 907, and 908 will all be referred to the Finance Committee.
• House Bills 905, 906, 907, and 908 will all be referred to the Finance Committee.
• It does modernize Idaho's off-road vehicle enforcement program.
• It does modernize Idaho's off-road vehicle enforcement program.
• It does modernized Idaho's off-way vehicle enforcement program.

Transcript Highlights:

• Today, most consumers manage their auto finance accounts online.
• They expect convenience and speed, and motor vehicle sales finance companies have responded by offering
• Please. such as certain types of auto finance companies.
• Today, most consumers manage their auto finance accounts online.
• They expect convenience and speed and motor vehicle sales finance companies have responded by offering

Summary: The Senate convened with an opening prayer, pledge, and a series of introductions recognizing guests, visiting groups, and special honorees in the galleries. The chamber then took up committee and executive appointment business, adopting a report confirming 42 gubernatorial appointments by a vote of 36-0. The Senate next considered a long special-order calendar of bills, most of them passing with little or no opposition. Measures included public-records sunset reviews and trade secret/cybersecurity exemptions; a child-abuse reporting statute of limitations bill; commercial driving school oversight; human trafficking training for nurses; a new injunction for protection against serious violence and its related public-records exemption; nature-based coastal resiliency and mangrove protection; a chiropractic trust-funds cap repeal; specialty license plates; a waiver of late financial disclosure fines; public school personnel compensation; the Florida Farm Bill with multiple agriculture, biosolids, and enforcement provisions; homestead exemption clarification for long-term leases; disability presumption clarifications for first responders; reinsurance intermediary manager conformity; patriotic displays in public schools; ADS-B aviation fee restrictions; autism-related law enforcement training and the Blue Envelope program; campus safety reporting procedures for public postsecondary institutions; and veterinary prescription disclosure. Several bills were temporarily postponed, including local vessel restrictions, temporary critical-need practice certificates, and domestic animals. The floor debate featured the most discussion on the farm bill, the HCSM/nonprofit religious organizations bill, the autism law-enforcement bill, and the school athletics bill. The HCSM bill drew extended debate over whether licensed insurance agents should be allowed to market faith-based health care sharing ministries, with supporters emphasizing consumer choice, free speech, and religious liberty, and opponents warning about unregulated products and commissions; it passed 32-5. The athletics bill, prompted by the Teddy Bridgewater/Miami Northwestern situation, would let coaches provide good-faith support to student-athletes while requiring reporting and FHSAA oversight; it passed 38-0. Most other measures passed overwhelmingly, including the autism bill 38-0, the campus safety bill 37-0, the public school patriotic displays bill 36-2, and the farm bill 38-0 after amendments addressing Everglades lands and biosolids timing were adopted.

Transcript Highlights:

• So there... motor vehicles.
• So there. motor vehicles.
• They expect convenience and speed, and motor vehicle sales finance companies have responded by offering
• Please. such as certain types of auto finance companies.
• They expect convenience and speed and motor vehicle sales finance companies have responded by offering

Summary: The Senate convened with an opening prayer, pledge, and a series of member and guest introductions recognizing visitors, local delegations, and honorees. The chamber then took up a report from the Committee on Ethics and Elections on 42 executive appointments; the report was adopted and the appointments were confirmed by a 36-0 vote. The Senate also adopted a resolution honoring the Ripple Project for childhood cancer awareness and fundraising. The body then moved through a long special-order calendar of bills, largely focused on public records exemptions, public safety, education, agriculture, health care, and licensing. Measures passed included bills to extend or consolidate exemptions for aquaculture records, trade secrets, and cybersecurity information; a child-abuse reporting statute-of-limitations bill; regulation of commercial driving schools; human trafficking training for nursing graduates; a new injunction for protection against serious violence by a known person and its companion public-records bill; nature-based coastal resiliency and mangrove infrastructure; chiropractic patient trust funds; specialty license plates; waiver of late financial disclosure fines; public school personnel compensation; the Florida Farm Bill/Department of Agriculture and Consumer Services package; homestead exemption clarification for long-term leases; disability presumption clarifications for first responders; reinsurance intermediary manager conformity; patriotic displays in public schools; ADS-B aviation fee restrictions; autism-related law enforcement training and the Blue Envelope program; campus safety policy transparency at public colleges and universities; and veterinary prescription disclosure. Several bills drew debate or amendments. The Farm Bill received amendments protecting Everglades restoration lands from surplus sale and clarifying biosolids timing, and it passed 38-0 after extensive discussion. The HCSM/nonprofit religious organizations bill prompted debate over whether allowing licensed insurance agents to market faith-based health care sharing ministries would create consumer confusion or free-speech concerns; it passed 32-5. The patriotic displays bill also drew discussion and passed 36-2. The athletics bill allowing coaches to provide good-faith support to student-athletes, prompted by the Teddy Bridgewater situation, passed 38-0. The affordable housing bill clarifying Live Local Act definitions to exclude farms from certain commercial/mixed-use/industrial categories passed 38-0 after a technical amendment. Several other measures were temporarily postponed, and the session concluded with the Senate continuing through the remaining calendar.

Transcript Highlights:

• In the Senate, Senate Bill 1387 by the Finance Committee: An act relating to the appropriation to the
• The Finance Committee and House Bill 835 will be referred to the State Affairs Committee.
• Senators, as I worked with the Idaho Housing and Finance Association, they helped write the...
• And that's where right now when you register your vehicle, you pay an extra $3 on your vehicle registration
• at the DMV for vehicle registration, titles, and driver's licenses.

Transcript Highlights:

• ; non-FN bills approved for referral to Finance by the day's FN report to the Committee on Finance; and
• The consent calendar is adopted. the committee on finance non FN bills the committee on finance non FN
• </c><03:40:47.439><c> to</c> president the committee on finance to president the committee on finance
• </c><03:47:35.319><c> to</c> president the committee on finance to president the committee on finance
• </c> Statewide the New Hampshire finance Statewide the New Hampshire finance committee<03:48:10.199><

Transcript Highlights:

• Senate Bill 1292 by Senator Richardson and relating to vehicles.
• Manufactured homes are a low-cost but underutilized form of housing, but finding affordable financing
• Senate Bill 1167 by Senator Blakespear and according to vehicles.
• SB 1167 requires clear labeling of vehicles for sale as to what type of vehicle it is and does not allow
• Senate Bill 1283 by Senator Ashby and relating to electric vehicle charging stations.

Summary: The Senate convened with a quorum, approved prior journals, and moved through confirmations and floor items. Doreen DiAmico was confirmed to the State Water Resources Control Board by a 34-1 vote, Dr. Anne Maria de Mars was confirmed to the State Athletic Commission by 36-0, and Ronald Fiore was confirmed to the State Athletic Commission by 36-0. The body then took up SB 73 on election security, with supporters arguing it would protect ballot chain of custody and prevent intimidation or unauthorized access to voting materials, while opponents raised concerns about transparency, federal preemption, and the bill’s impact on investigations. SB 73 passed on concurrence and urgency with 29 ayes and 8 noes on both the urgency clause and the measure. The Senate also approved SB 929 on annual Energy Commission oversight (37-0), SB 1370 on wildfire-related testimony/oversight (28-5), SB 983 authorizing Port of San Diego job order contracting (28-8), SB 1367 restricting local approval of new or converted private detention facilities (28-8), SB 1257 requiring annual reporting on immigration enforcement incidents (28-8), and SB 1103 requiring large home improvement retailers to report immigration enforcement activity and related records (23-8). SB 1399, which removes the sunset on DOJ reviews of immigration detention facilities, passed 28-7, and SB 873, “ICE Out of Courts,” passed 28-7 to limit arrests near courthouses without a judicial warrant. Later, the Senate passed SB 1292 creating a pilot for camera- or sensor-based curb management with human review and privacy safeguards, despite opposition over privacy and automation concerns, by 28-7. SB 878 strengthened prompt-payment insurance penalties for delayed claims after disasters and passed 29-6. SB 958, a CEQA clarification related to housing and building height impacts, passed unanimously 37-0. SB 924 modernized low-income energy assistance services and passed 35-1. SB 1057 on certification for nurse assistants and home health aides passed, as did SB 1092 giving mobile home residents a chance to bid on park sales (29-7), SB 1123 requiring agencies to consider consumer and other benefits in rulemaking (26-8), SB 1233 increasing utility rate transparency (29-8), SB 1237 strengthening pay data reporting enforcement (28-6), SB 886 shifting data center infrastructure costs away from existing ratepayers (28-6), SB 905 reforming utility incentives and performance metrics (28-8), and SB 909 strengthening public works wage enforcement (28-7). The final item shown, SB 925 on fusion energy roadmap development, passed unanimously 37-0, while SB 954 on CEQA and advanced manufacturing drew extensive debate over environmental guardrails versus economic competitiveness; the transcript cuts off during closing remarks before the vote is shown.

Transcript Highlights:

• Um, welcome to the Senate Finance Committee, Senator Latz.
• </c><00:09:36.320><c> supply</c> fee on uh electric vehicle supply fee on uh electric vehicle supply
• This is the finance committee where we talk about finance.
• This is the finance committee where we talk about finance.
• </c> be more of a policy piece than a finance be more of a policy piece than a finance piece<01:10:03.199

Committee: Senate Finance

Transcript Highlights:

• Department of Finance. Danielle Branden, Department of Finance. You can move that just.
• Danielle Branden, Department of Finance.
• Alison Hewitt, Department of Finance.
• Department of Finance, Kayla Lamon, Department of Finance, nothing to add, available for questions.
• Okay, Han Jalming from Department of Finance.

Summary: The subcommittee heard an informational update on the state’s generative AI implementation and related oversight. Administration officials said several proof-of-concept projects have moved into minimum viable product phases, including work at CDTFA and Caltrans, and that CDPH has a May Revision request for up to $8 million to scale up its healthcare facilities inspections project. The Legislative Analyst’s Office urged the administration to publish a report on lessons learned from each POC and recommended limiting the new generative AI approval process to a pilot through the first two rounds of projects, with continued monthly meetings and stronger legislative oversight. Members pressed for more transparency and questioned why the CDPH request was not included in January; the administration said the cost estimate was not available then and that only one project is seeking additional resources beyond existing departmental budgets. The committee then reviewed a proposed $400 million loan from the Labor and Workforce Development Fund to the General Fund. Finance and the Labor Agency said the fund has grown because civil penalty revenues have risen sharply, and the loan would be repaid in 2029-30 with provisional language allowing earlier repayment if needed. The LAO agreed the fund could support the loan but warned that recent PAGA reforms may reduce future revenues. Public commenters, including labor and community groups, argued the money should instead support labor-law enforcement and outreach programs such as CWOP, and urged rejection of the loan. Members also heard a Department of Industrial Relations request for $19.1 million for phase two of Public Works Information Technology System Enhancements, which officials said will support labor-law enforcement and apprenticeship registration. The department said the project was delayed because a prior procurement did not result in a contract award and that completion is now expected in October 2026. The committee then took up an EDD Next reappropriation technical adjustment to extend UI fund spending authority through June 30, 2026; the LAO said the request was fine but again raised concerns about oversight of the larger modernization effort, which EDD said now totals more than $660 million and is expected to continue through 2029. Finally, the committee discussed DGS’s request for new parking facilities near the May Lee Building and a trailer bill shifting statewide telework policy language from DGS to CalHR while also expanding NDI eligibility for certain CEA employees. The LAO said the telework trailer bill should likely go through the policy committee process instead of budget, and union and employee witnesses strongly opposed it, arguing it would undermine bargaining rights and could be used to narrow telework. In a separate item on the governor’s return-to-office order, administration officials said departments are being directed to move to a four-day in-office expectation starting July 1, 2025, but they had no statewide cost estimate yet because departments are still assessing vacancies, exemptions, and space needs. Members criticized the lack of analysis and said the state should have clearer numbers before moving forward.

Transcript Highlights:

• I probably don't need to talk about recent news of heavy vehicle operator CDL license-level vehicles
• carrier who owns the vehicle, has some responsibility.
• Who owns the vehicle has some responsibility.
• This is not punishing somebody in their personal vehicle.
• The motor carrier must be notified of the location of the vehicle involved, which sounds like the vehicle

Committee: House Special Committee on Intergovernmental Affairs

Transcript Highlights:

• The Finance Committee reports out Senate Bill 1373 and recommends that it do pass. Groh, Chairman.
• The Finance Committee reports out Senate Bill 1373 and recommends that it do pass. Groh, Chairman.
• In the Senate, Senate Bill 1363 by the Finance Committee.
• Currently, the law requires slow-moving vehicles to pull over when three or more vehicles are lined up
• March 9, 2006, the Finance Committee reports out Senate Bill 1375 and recommends that it do pass.

Transcript Highlights:

• , and jurisdictions over taxes, finance, and human<00:21:24.000><c> services.
• And we will be sending this on to finance members. Are there any questions about the motion?
• And we will be sending this on to finance members. Are there any questions about the motion?
• And we will be sending this on to finance members. Are there any questions about the motion?
• And we will be sending this on to finance members. Are there any questions about the motion?

Committee: Senate Rules and Administration

Transcript Highlights:

• </c><00:44:30.119><c> others</c> come to play one being finances others come to play one being finances
• </c><01:08:24.839><c> accident</c> particular motor vehicle accident particular motor vehicle accident
• </c> than five and drivers in motor vehicle than five and drivers in motor vehicle accidents<01:42:51.480
• c> and</c><01:43:47.880><c> then</c> vehicle motor vehicle accident and then vehicle motor vehicle accident
• </c> intentionally put a member of Finance intentionally put a member of Finance from<01:46:44.159><c

Summary: The committee met on March 28 for a Health and Human Services Oversight Committee meeting, approved the draft minutes from February 21, and then received updates from DHHS on the sudden termination of about $80 million in federal COVID-era funding. Commissioner Lori Weaver and Trisha Tilly said the funding had been expected to continue through September 2026, but an email ending it immediately created a 15-month budget gap. They explained that most of the money supported public health work, especially epidemiology, laboratory capacity, data systems, community health workers, outbreak response, and some behavioral health supports. DHHS said it had notified contractors, was reassessing which activities could continue, and had managed to avoid layoffs for its 20 affected staff by shifting funding sources, though some contract lab staff had to leave and some work would stop or be put on hold. Senators and representatives asked about impacts on labs, staffing, and the state budget lapse, and DHHS said the water lab and testing supplies would be affected and that the department was trying to backfill where possible with other federal funds. The committee then heard a maternal mortality report from the Maternal Mortality Review Committee. Alison Power and Caroline Naami explained that the MMRC reviews maternal deaths to identify contributing factors and make recommendations, and that it had completed one CDC grant and received another five years of funding. For 2023, the state recorded five pregnancy-associated deaths, including three from overdose, two from cardiovascular causes, and one homicide; the share of deaths related to substance use fell from 62.5% in 2022 to 40% in 2023. Over the 2019–2023 period, half of pregnancy-related deaths were due to overdose, most occurred postpartum, and many involved Medicaid recipients, transportation or financial barriers, and deaths at home. The committee said mental health and substance use remained the main drivers of maternal mortality, but that 79% of pregnancy-related deaths in the five-year aggregate were considered preventable. Presenters highlighted recommendations and ongoing interventions, including expanding Medicaid coverage through one year postpartum, strengthening behavioral health access, partnering with the Department of Corrections on care for pregnant and postpartum women, and continuing clinical education through the Northern New England Perinatal Quality Improvement Network. Members asked why the maternal mortality rate had declined in recent years; staff said the 2021 spike was tied to the pandemic and that recent declines likely reflected both that spike and the impact of interventions, though the small number of cases makes trends hard to interpret. No additional votes or formal actions were taken beyond approving the minutes.

Transcript Highlights:

• James Moore with the Department of Finance.
• Andrew March, Department of Finance.
• Colby White, Department of Finance.
• I'm Chris O'Don, the Department of Finance.
• Anthony Franz, from the Department of Finance.

Summary: The Assembly Budget Committee opened its hearing on the Governor’s 2026-27 budget with remarks emphasizing the start of a months-long process, the need for fiscal responsibility, and concerns about structural deficits, federal funding losses, housing and homelessness, and oversight. The vice chair echoed those concerns, warning against budgets built on short-term fixes and urging accountability. The Department of Finance presented a balanced budget year proposal of about $349 billion in total expenditures, including $248 billion General Fund, while acknowledging a structural imbalance in the out years and proposing a workload budget with limited new spending or cuts. Finance said the budget relies on stronger-than-expected revenues, but also on constitutional obligations such as Proposition 98 and Proposition 2, and on suspending a rainy-day fund true-up deposit to cover a projected $2.9 billion budget-year deficit. The administration highlighted higher education funding, climate and wildfire resilience investments, a new ZEV incentive, added Health and Human Services costs tied to H.R. 1, child care funding, and three tax proposals: third-party delivery tax compliance, a sustainable aviation fuel tax credit, and an extension of the California Competes tax credit. The LAO, by contrast, warned that the budget is “precariously balanced,” cited downside risk from stock market-driven revenues, and urged the Legislature to use reserves, avoid suspending rainy-day deposits, and begin shrinking multi-year deficits sooner rather than later. Member questions focused on wildfire mitigation and insurance, transit and GGRF funding, federal cuts affecting CalFresh and Medi-Cal, the proposed tax credits, homelessness accountability language, and education funding. Several members pressed for earlier partnership on deficit solutions and for more scrutiny of budget choices. The committee also discussed declining enrollment in K-12, community colleges, and CSU, with concerns about whether funding formulas are aligned with actual student demand. No formal votes or final actions were taken in the hearing.

Transcript Highlights:

• House Bill 646, by the Business Committee, is an act relating to the Litigation Financing Transparency
• protections, and provide for litigation financing contracts and disclosures.
• It also provides for disclosure and discovery of litigation financing contracts, establishes exemptions
• House Bill 646, by the Business Committee, is an act relating to the Litigation Financing Transparency
• protections, and provide for litigation financing contracts and disclosures.

Transcript Highlights:

• It's a premium financing option, and we have many, many that do use the...
• My agency also no longer has anybody on the financing option. They are all on installments.
• Autonomous vehicles are coming onto the platform.
• One is, this bill addresses not autonomous vehicles; it addresses driver-operated vehicles and that.
• ...autonomous vehicles, a different area entirely.

Bills: HB778 , HB 1266 , HB1576 , HB2213 , HB2517 , HB2518 , HB2841 , HB3306 , HB3320 , HB3388 , HB3508 , HB3520 , HB3689

Committee: House Insurance

Transcript Highlights:

• or hybrid vehicles, etc., as we replace vehicles for various purposes for the state, this kind of calculation
• or hybrid vehicles, etc., as we replace vehicles for various purposes for the state, this kind of calculation
• c> Etc</c> electric vehicles or hybrid vehicles Etc electric vehicles or hybrid vehicles Etc uh<01:39
• Even though I know that’s the job of Finance, we shouldn’t ask Finance to be doing what we recognize
• </c> are the New Hampshire government Finance are the New Hampshire government Finance officers<03:44

Summary: The committee held a public hearing on House Bill 233, which would impose transparency and reporting requirements on the New Hampshire Vaccine Association. The prime sponsor, Representative Comto, said the bill and a proposed amendment were intended to increase public access by requiring a physical meeting location, making meetings available online, and publishing a complete list of vaccines and pharmaceutical products purchased. She argued the association should be more transparent because it is involved in vaccine purchasing and public trust is important, especially given controversy around vaccines. Committee members questioned the sponsor about the association’s legal status, who sets vaccine requirements, whether other private entities would be covered, and whether the proposal should instead apply more broadly to all meetings or include recordings. The sponsor said the association was created by the legislature, that childhood vaccine requirements come from DHHS and CDC-related processes, and that she would be open to broader recording requirements. Some members raised concerns about misinformation and whether requiring answers to public questions could be problematic in a contentious policy area. Patrick Miller, executive director of the Vaccine Association, and attorney Mark McHugh testified in opposition. They described the association as a not-for-profit voluntary corporation created by statute in 2002 to serve as a funding mechanism for the state’s universal childhood vaccine purchase program, with no policymaking role and no public funding. They said the association already posts notices, agendas, minutes, and allows public webinar access and comments, while also providing annual audits and reports and other statutory reporting. They argued HB 233 would impose unnecessary administrative costs on a private entity, interfere with its limited charitable purpose, and ultimately increase costs borne by insurers, employers, and consumers. No vote or final action was taken during the hearing.

Transcript Highlights:

• In the Senate, Senate Bill 1401, by Finance Committee, an act relating to the appropriation...
• In the Senate, Senate Bill 1787 by the Finance Committee.
• In the House of Representatives, House Bill 388 by the Finance Committee.
• The Senate Finance Committee will be meeting at 12:15 in the JFAC room.
• Replacement vehicles are under 110,000 miles.

Transcript Highlights:

• </c> breath uh before the vehicle will start. breath uh before the vehicle will start.
• . vehicle. vehicle. uh<00:16:00.800><c> for</c> uh for uh for the<00:16:03.320><c> uh</c> the uh the
• than just the vehicle that want rather than just the vehicle that was<00:20:52.400><c> proposed</c><
• </c> program participant may have a vehicle program participant may have a vehicle who's<00:25:41.760
• </c> uncertain and the future of financing uncertain and the future of financing human<00:41:57.520><

Transcript Highlights:

• It's a short-term consumer financing product, no interest, no origination fees, and it allows consumers
• And so it was not that vehicle license fee with much earlier that got tagged on.
• And so it was not that vehicle license fee with much earlier that got tagged on.
• The merchant will receive money, the full payment minus fees, from the financing provider.
• Consumers interact directly with these financing buy now, pay later providers.

Summary: The Consumer Protection and Business Committee held a work session on buy now, pay later (BNPL) transactions, focusing on how the products work, how they are used in Washington, and whether existing state law adequately protects consumers. Department of Financial Institutions staff described BNPL as short-term, usually no-interest installment financing offered at checkout, often with automatic payments, late fees, and varying credit-reporting practices. Members asked how BNPL compares with payday lending and earned wage access, whether it is effectively a loan or credit product, and whether Washington law already covers it. DFI explained that some BNPL structures may fall into a legal gray area under the Retail Installment Sales of Goods and Services Act because pay-in-four products may not meet the statute’s “more than four installments” language, while other structures may be covered; they also noted the Attorney General can enforce the act. DFI and committee members discussed consumer risks such as overextension, automatic debits, and lack of standardized disclosures, and DFI said it would follow up with additional data on defaults and related issues. Molly Gallagher of the Poverty Action Network and Nadine Chabrier of the Center for Responsible Lending argued that BNPL can help consumers but also poses significant risks, especially for lower-income consumers and consumers of color who already carry debt or use other alternative financial products. They said BNPL use has grown rapidly, often involves multiple simultaneous loans across providers, and can lead to overdrafts, late fees, and difficulty tracking obligations because payments are spread across different schedules. They emphasized concerns about weak disclosures, limited dispute protections, automatic payment structures, credit reporting inconsistencies, consumer overextension, and data privacy/dark-pattern marketing. They also described federal retrenchment, including the CFPB’s withdrawal of an interpretive rule that would have treated BNPL like a digital credit card, and pointed to state responses in places like New York, California, and Maryland. Committee members signaled interest in possible Washington legislation and stronger state oversight. Retail and business witnesses offered a more favorable view of BNPL as a cash-flow and sales tool. A Washington Retail Association representative described BNPL as an evolution of layaway and credit-card-style installment purchasing, noting that merchants receive payment up front minus fees while consumers get goods or services immediately and repay over time. A representative from a business using deferred-payment financing said the tool helps customers obtain equipment and helps the business manage inventory and cash flow, while NFIB said small businesses also use BNPL to bridge expenses and avoid higher-interest credit card debt. Members asked about merchant fees, consumer education, and whether BNPL is being used for impulse purchases or essential expenses like rent, car repairs, medical care, and travel. The chair concluded by saying the committee intends to pursue regulatory language and continue working with stakeholders, while also hearing from retailers to avoid eliminating legitimate financing tools.