Bills: HB164, HB411, HB627, HB 1226, HB1677, HB1865, HB1997, HB2985, HB3462, HB4188, HB4685, HB4840, HB5370, HB5424, HB5466, HB5509, HB5660, HB5673, HB164

Keywords: migrant labor, housing regulations, civil penalties, complaints, occupants' rights, remediation, education, retaliation, housing, rental regulation, municipal authority, local government, leasing, housing regulation, local control, rental properties, leasing laws, landlord, tenant rights, municipal regulation

Transcript Highlights:

• detection information that helps a a government body to prevent, investigate, or evaluate fraud.
• I'm Chuck Ross, Director of Fraud Deterrence and Compliance Monitoring, Texas Workforce Commission.
• or fraud complaints.
• So you think it's okay for people to be able to figure out how we're looking for their fraud?
• They consume, they require. are usually a small power plant to power those data centers.

Bills: HB3146, HB3719, HB3895, HB3923, HB4748, HB4751, HB4936, HB4952, HB4990, HB4991, HB5061, HB5196, HB5238, HB5246, HB5487

Keywords: State Office of Administrative Hearings, SOAH, administrative hearings, contested case, contested case hearing, administrative law judge, ALJ, final decision, proposed decision, agency hearing, hearing continuance, rescheduling, Texas administrative law, Government Code Chapter 2001, workers' compensation, Department of Human Resources, Texas Labor Code, Transportation Code, Agriculture Code, Insurance Code

Bills: SB1540, SB2225, SB2284, SB2382, SB2487, SB2514, SB2595, SB2876, SB2877, SB3031, SB2753, HB45

Keywords: election officials, confidentiality, personal information, government transparency, public safety, spirit beverages, alcoholic beverages, Texas Alcoholic Beverage Code, distribution, taxation, firearms, local regulation, archery equipment, weapons, voter registration, statewide list, county requirements, election integrity, computer services contracts, mental health

Transcript Highlights:

• Well, it sounds like this is meant to prevent voter fraud.
• So strictly from a consumer standpoint and from a health standpoint, I think the focus should be on the
• We can quibble with traditional values, but of course alcohol should be consumed responsibly.
• Election fraud is a direct assault on our system of government, and we shouldn't tolerate it.
• And sends the message that we have zero tolerance for election fraud. I yield for questions.

Bills: HB45, SB1540, SB2225, SB2284, SB2382, SB2487, SB2514, SB2595, SB2876, SB2877, SB3031, SB2753

Keywords: flooding, disaster response, emergency preparedness, state guidance, public safety, election officials, confidentiality, personal information, government transparency, spirit beverages, alcoholic beverages, Texas Alcoholic Beverage Code, distribution, taxation, firearms, local regulation, archery equipment, weapons, voter registration, statewide list

Transcript Highlights:

• While it may sound like this is meant to prevent voter fraud, I believe this is nothing short of voter
• This update within the code itself would align Texas law with consumer demand and supply and simplify
• Texas law with consumer demand and supply, simplify the regulatory environment for businesses.
• We can quibble with traditional values, but of course alcohol should be consumed responsibly.
• Election fraud is a direct assault on our system of government, and we shouldn't tolerate it.

Bills: SB1540, SB2225, SB2284, SB2382, SB2487, SB2514, SB2595, SB2876, SB2877, SB3031, SB2753

Keywords: election officials, confidentiality, personal information, government transparency, public safety, spirit beverages, alcoholic beverages, Texas Alcoholic Beverage Code, distribution, taxation, firearms, local regulation, archery equipment, weapons, voter registration, statewide list, county requirements, election integrity, computer services contracts, mental health

Summary: The committee first adopted a committee substitute for Senate Bill 30 and then voted to report the substituted bill favorably to the full Senate; the roll call showed six ayes and one nay, with later unanimous-consent corrections noted for additional aye votes. The committee also reported Senate Bill 801 favorably to the full Senate by an eight-to-one vote. Both bills were left with no further action in the meeting after the votes. The committee then heard Senate Bill 2595 by Senator Middleton and Senate Bill 2876 by Chairman Hughes, both aimed at addressing masked harassment and riot-related conduct. Supporters said the bills would deter intimidation, protect public order, and respond to recent protests and anti-Semitic incidents, while opponents from civil rights, disability, and advocacy groups argued the measures were overly broad, could chill peaceful protest, and would burden people who wear masks for religious, medical, or disability-related reasons. Public testimony was taken on both bills, and both were left pending after testimony closed. Senate Bill 2753, by Senator Hall, proposed consolidating early voting and election day into a single continuous in-person voting period with common procedures and equipment, while preserving countywide voting and mail voting. The Secretary of State’s office said the bill could improve ballot secrecy and simplify administration, though witnesses raised concerns about ballot privacy, logistics, and access for disabled voters; some county election officials were neutral or supportive of the concept, while others opposed it as confusing or potentially burdensome. The bill was left pending after extensive testimony. The committee also heard Senate Bill 2225 on allowing spirit-based ready-to-drink beverages to be sold in grocery and convenience stores, with supporters arguing the law should focus on alcohol content rather than the source of the alcohol and that the bill would modernize an outdated code. Later, Senate Bill 1540, which would add election officials and related workers to confidentiality protections, drew support from county election officials who described threats and harassment, though one witness suggested the bill’s language may need technical adjustment to better match its intent. Finally, Senate Bill 2382, concerning statewide voter registration systems and offline counties, drew opposition from county election administrators and vendors who warned about capacity, cybersecurity, and single-point-of-failure risks, while others suggested a phased approach or API-based integration; the transcript ends with testimony still open on that bill.

Bills: SB1540, SB2225, SB2284, SB2382, SB2487, SB2514, SB2595, SB2876, SB2877, SB3031, SB2753

Keywords: election officials, confidentiality, personal information, government transparency, public safety, spirit beverages, alcoholic beverages, Texas Alcoholic Beverage Code, distribution, taxation, firearms, local regulation, archery equipment, weapons, voter registration, statewide list, county requirements, election integrity, computer services contracts, mental health

Summary: The Senate Committee on State Affairs heard Senate Bill 3031, which would expand aggravated assault to cover certain road-rage shootings involving a person in or traveling to or from a motor vehicle, when a firearm is discharged and causes injury, property damage, or fear of serious bodily injury. Senator Schwertner laid out the bill for the author, described it as closing a gap in the law, and there was no public testimony; the bill was left pending. The committee then heard Senate Bill 2514, a measure by Chairman Hughes aimed at creating a DPS unit to identify, investigate, and monitor hostile foreign influence operations and to require ethics training for state employees. Supportive invited testimony from Dr. Jacqueline Deal, Ambassador Kelly Curry, and Michael Lucci emphasized threats from the Chinese Communist Party, transnational repression, cyber intrusion, and state-level influence efforts, and argued Texas should take a leading role. Public testimony included opposition from speakers who raised concerns about free speech, privacy, and potential overbreadth. The bill was left pending after testimony closed. Finally, the committee took up Senate Bill 30 as pending business and discussed a committee substitute. Senator Schwertner explained that the substitute would limit admissible medical expense evidence to amounts paid or up to 300% of Medicare, clarify treatment of provider testimony and attorney-referred providers, remove a requirement that plaintiffs use available health insurance to mitigate damages, strike a unanimous-verdict requirement for non-economic damages, and delete a remittitur provision. Senators questioned the impact on sexual assault and child abuse survivors, the use of Medicare as a benchmark, and whether the bill would still allow fair compensation. After discussion, SB 30 was left pending and the committee recessed subject to the call of the chair.

Bills: SB801, SB1200, SB1410, SB1717, SB1862, SB1863, SB2216, SB2681, SB506, SB2626, SJR63

Keywords: SB 801, birth certificate, birth record, certified copy, homeless, homelessness, unhoused, vital records, state registrar, local registrar, county clerk, fee waiver, identity documents, ID access, housing insecurity, shelter, transitional housing, Health and Safety Code, HHSC, Health and Human Services Commission

Summary: The Senate Committee on State Affairs met with a quorum present and considered several pending measures. On Senate Bill 1868, Senator Perry explained a committee substitute that would keep kratom in its natural state legal while continuing to ban 7-OH and other synthetic derivatives, and would also add three synthetic opioids from another bill. The substitute was adopted, and SB 1868 was reported favorably to the full Senate and certified for the local and uncontested calendar. The committee also adopted a committee substitute for Senate Joint Resolution 39, Senator Birdwell’s proposed constitutional amendment related to veto overrides after a regular session, and reported it favorably to the full Senate; members noted a floor amendment would also be offered later. The committee then considered Senate Bill 1184, relating to the age of wine authorized to be sold by a wine collection seller, and reported it favorably to the full Senate. After some procedural discussion and a revote to clarify members’ positions, SB 1184 was also certified for the local and uncontested calendar. Senate Bill 1194 was likewise certified for the local and uncontested calendar without objection, though the transcript does not include its substantive discussion. Senate Bill 1577, relating to the temporary sale of alcoholic beverages at certain racing facilities, was reported favorably to the full Senate and then certified for the local and uncontested calendar. Finally, Senate Concurrent Resolution 42, by Chairman Hughes, was reported favorably to the full Senate on an 8-1 vote. The committee then recessed until called back by the chair.

Bills: SB801, SB1200, SB1410, SB1717, SB1862, SB1863, SB2216, SB2681, SB506, SB2626, SJR63

Keywords: SB 801, birth certificate, birth record, certified copy, homeless, homelessness, unhoused, vital records, state registrar, local registrar, county clerk, fee waiver, identity documents, ID access, housing insecurity, shelter, transitional housing, Health and Safety Code, HHSC, Health and Human Services Commission

Summary: The Senate Committee on State Affairs heard testimony on several bills, with most measures left pending after public testimony closed. SB 801, by Sen. Menéndez, would require DSHS and local clerks to issue birth certificates at no cost to people experiencing homelessness. The author and Maria Benavides of SA Youth said the fee and mailing requirements are major barriers to obtaining ID, housing, and work, and Benavides described clients who were able to secure housing and employment after getting birth records and IDs through her program. The bill was left pending. The committee also heard a set of bills related to the Gulf of Mexico/Gulf of America naming issue: SB 1410 would require state agencies to use “Gulf of Mexico” in official documents, SB 1717 would conform state law to the federal renaming to “Gulf of America,” and SJR 63 would amend the Texas Constitution to match that change. Support testimony for the latter two emphasized alignment with federal action and the use of different geographic names by different countries. All three measures were left pending. Members then heard SB 1200, which would require plaintiffs suing defense contractors to disclose in discovery whether they are receiving litigation funding from adversarial nations such as China, Russia, or Cuba. The author and Texans for Lawsuit Reform said the bill targets third-party litigation funding and foreign influence on lawsuits, especially those affecting defense contractors; the committee substitute narrowed the definition of defense contractor and expanded applicability to actions involving defense contractors’ activities. SB 2626, which requires continuing medical education on pregnancy-related emergencies for OB-GYN physicians and nurses, drew support from witnesses who said it would reduce confusion about Texas abortion law and improve care in emergencies. SB 506, SB 2681, SB 1862, SB 1863, and SB 2216 all focused on elections, including ballot language standards, voter registration challenges, interstate voter-roll cleanup, procedural audits, and election equipment security; testimony split between supporters who said the bills improve transparency and integrity and opponents who warned of vague standards, added costs, and possible voter disenfranchisement. Each of those bills was left pending after testimony.

Transcript Highlights:

• because there's so much potential fraud because there's so much potential fraud and<00:53:40.800
• The board, not the board, consumer.
• u protection on behalf of consumers. u protection on behalf of consumers.
• under New Hampshire's Consumer under New Hampshire's Consumer Protection<01:19:57.920> Law
• chief of the consumer protection bureau. chief of the consumer protection bureau.

Keywords: 928, house, all

Summary: The committee held a public hearing on Senate Bill 25, which would allow New Hampshire state-chartered credit unions to choose, by member vote, to compensate their board members. Prime sponsor Senator Dan Innis said the bill is enabling only, does not require compensation, and is intended to align New Hampshire with other states that already permit this. He argued that credit union board service now requires more time and expertise, and that compensation could help attract stronger candidates and improve governance. Representatives from the Cooperative Credit Union Association and St. Mary’s Bank testified in support. They said the change would not create salaries, but could cover modest compensation or reimbursements such as daycare, education, cybersecurity, or accounting training. They emphasized that credit unions remain nonprofit and member-driven, that board members must be credit union members and elected by members, and that any compensation decision would be made by the membership at an annual meeting or through the credit union’s voting process. Witnesses also said the bill would help with recruitment and retention, especially as credit union operations have become more complex and digital, and noted that similar authority exists in 16 other states, including Rhode Island. Committee members asked about the historical reason credit unions were excluded, the amount and structure of compensation, whether there would be a cap, and how voting would work. Witnesses said the bill does not set a statutory maximum, but in practice the amount would be disclosed to members and set through the vote; they also described St. Mary’s Bank’s ballot process and said proxy or ballot procedures depend on each credit union’s bylaws. One witness noted that federally chartered credit unions are subject to different limits. After testimony and questions, the chair closed the public hearing on Senate Bill 25 and then moved on to Senate Bill 26.

Transcript Highlights:

• from fraud.
• They do a ton of consumer protection. They have lawyers working in consumer protection.
• Because we have a lot of Medicaid fraud going on, and we have a lot of fraud going on in our state, and
• office for medical assistance fraud.
• We can be proud of the movements that we're doing to prevent consumer fraud, fraud on businesses, and

Transcript Highlights:

• Senate Bill 1697, relating to a consumer guide to home solar energy devices. ...passage to engrossment
• Senate Bill 1697, relating to a consumer guide to home solar energy devices.
• Committee substitute for Senate Bill 1038, relating to administrative remedies for certain fraud and
• President and members, Texans always want to know that voter fraud will be addressed.
• Fraud division in and of itself where they would not have to house it under the criminal division.

Bills: SJR37, SJR57, SB7, SB8, SB16, SB108, SB125, SB207, SB318, SB371, SB379, SB396, SB406, SB503, SB533, SB565, SB578, SB599, SB686, SB689, SB707, SB763, SB854, SB857, SB875, SB878, SB920, SB924, SB961, SB965, SB985, SB988, SB1021, SB1024, SB1026, SB1038, SB1059, SB1185, SB1202, SB1207, SB1252, SB1330, SB1396, SB1484, SB1527, SB1535, SB1596, SB1619, SB1697, SB1737, SB1741, SB1841, SJR36, SJR12, SJR57, SJR37, SCR22, SCR12, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB504, SB857, SB305, SB296, SB284, SB1497, SB1498, SB241, SB304, SB621, SB1023, SB1024, SB686, SB371, SB204, SB609, SB670, SB850, SB854, SB413, SB1346, SB1033, SB1220, SB1073, SB810, SB1539, SB447, SB875, SB406, SB985, SB965, SB1119, SB1505, SB1215, SB1302, SB856, SB583, SB673, SB681, SB1172, SB1252, SB608, SB955, SB957, SB988, SB1021, SB1120, SB251, SB541, SB379, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB1352, SB785, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB961, SB1038, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB763, SB667, SB1059, SB617, SB1567, SB503, SB16, SB310, SB311, SB396, SB505, SB1209, SB1210, SB1470, SB264, SB924, SB1029, SB1185, SB1202, SB1358, SB1364, SB1569, SB1697, SB1376, SB1228, SB519, SB878, SB1350, SB462, SB1535, SB827, SB1585, SB207, SB1207, SB1619, SB1396, SB920, SB1484, SB1273, SB1741, SB7, SB927, SB1227, SB1229, SB1353, SB1366, SB1464, SB1709, SB1729, SB1733, SB1744, SB1772, SB1816, SB1841, SB2188, SB1147, SB879, SB1008, SJR81, SJR50, SCR39, SB1536, SB2016, SB1453, SB1173, SB1163, SB996, SB27, SB568, SB1370, SB1321, SB1101, SB906, SB860, SB1563, SB993, SB693, SB1610, SB1537, SB836, SB1332, SB1307, SB963, SB493, SB922, SB984, SB1084, SB619, SB1098, SB1122, SB455, SB522, SB1057, SB1239, SB1254, SB1255, SB1259, SB1341, SB1664, SB1877, SB464, SB1277, SB32, SB732, SB660, SB731, SB921, SB268, SB1822, SB1188, SB1939, SB1589, SB397, SB1388, SB2230, SB1058, SB1036, SB1267, SB2112, SB1930, SB532, SB1035, SB2155, SB508, SB29, SB292, SB291, SB901, SB1333, SB1436, SB1494, SB964, SB779, SB1378, SB2312, SB1719

Keywords: voter ID, citizenship, election integrity, constitutional amendment, voting rights, water infrastructure, financial assistance, Texas Water Development Board, water supply, environmental sustainability, immigration enforcement, ICE agreements, sheriff grants, law enforcement, county jail, federal immigration law, voter registration, proof of citizenship, Election Code, criminal offenses

Transcript Highlights:

• California leads the country in consumer fraud losses, and this is an issue where she has shown and demonstrated
• California leads the country in consumer fraud losses, and this is an issue where she has shown and demonstrated
• We're alarming consumers, potentially.
• Danny Kando-Kazer on behalf of the California Low-Income Consumer Coalition in support.
• Robert Horrell, Executive Director of Consumer Federation of California, in support.

Keywords: 987, senate, all

Transcript Highlights:

• So we are a hot bed for this fraud right now.
• case of fraud and involved a notarized affidavit or a full police report.
• The first time transaction is where a significant number amount of the fraud is coming.
• Many of the things in the underlying bill that stop fraud at the beginning.
• They stamp out a lot of fraud. What the New Amendment does.

Transcript Highlights:

• . fraud. fraud.
• waste, fraud, or abused. waste, fraud, or abused.
• fraud. HR 7726 is also extremely vague. fraud.
• as I may consume. as I may consume.
• may consume. may consume.

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, June 3, 2026, 1012, house, all

Transcript Highlights:

• scam or has been a potential victim of a fraud scam.
• at no cost to the consumer and are required to clearly disclose how the consumer may elect that no-cost
• and the Consumer Financial Protection Protection Bureau.
• Without the strongest protections for Texas consumers. Thank you.
• Um, we're direct to consumer.

Transcript Highlights:

• And that really is consumer protection.
• And then the third thing that's really grabbed my attention is fraud.
• Fraud seems like the low-hanging fruit.
• I will tell you, one that I'm concerned about right now is consumer complaints.
• We get about 20,000 consumer complaints per year. We have a small staff.

Summary: The Committee on Director Nominations met with four members present and approved the prior minutes without objection. Chair Jay Kaufman outlined the committee’s role in reviewing executive nominations and explained the hearing process for three nominees: Mary Foote for the Office of Economic Opportunity, Debbie Johnston for the Department of Health Services, and Chuck Bassett. Foote did not appear for her hearing, and members discussed her absence and alleged omissions in her disclosure materials, including prior service with Planned Parenthood-related organizations. The committee then moved to reject her nomination, and the motion passed 3-2, recommending that the full Senate reject Mary Foote. Debbie Johnston, nominee to lead the Department of Health Services, appeared and gave an opening statement describing her Arizona background, prior Senate staff work, and more than 20 years with the Arizona Hospital and Health Care Association. She said her priorities at ADHS include rebuilding trust in public health licensing, improving stakeholder engagement, standardizing rulemaking communication, addressing alleged religious discrimination and retaliation concerns in licensing, and using technology and AI to improve efficiency. In questioning, senators pressed her on her management style, conflict-of-interest safeguards given her prior industry role, enforcement priorities, budget pressures, behavioral health and assisted living oversight, and the department’s response to COVID-19. Johnston said she would follow statutes, recuse herself from enforcement matters involving former contacts, and resign if directed to carry out an unlawful policy. She also said the department does not regulate therapy itself, only facilities, and that it would rely on legal counsel regarding the governor’s conversion-therapy executive order and related federal civil-rights allegations. Several senators focused on public health trust and the department’s pandemic response, with Johnston acknowledging concerns about closures, data collection, and communication during COVID-19 while saying she would review past after-action materials and be better prepared in the future. Public testimony from stakeholders in aging services and health care strongly supported her confirmation, praising her accessibility, responsiveness, and collaborative approach. After testimony, the vice chair moved to recommend Johnston’s confirmation to the full Senate. The roll call was underway when the transcript ended, with several members voting aye and one member expressing reservations about her not reviewing the pandemic after-action report before another crisis occurs.

Transcript Highlights:

• I fully support the fight against fraud. I fully support the fight against fraud.
• address medical fraud. address medical fraud.
• <00:47:03.800> protection explain that as a consumer protection explain that as a consumer
• :48:52.360> we're consumer-friendly because we're consumer-friendly because we're regulated<00
• I've personally been the victim of insurance<01:14:16.440> fraud insurance fraud insurance fraud

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:11 Discussion HB 527 00:02:29 Vote HB 527 00:08:02 Discussion HB 627 00:09:09 Vote HB 627 00:24:29 Discussion HB 355 00:25:59 Vote HB 355 00:34:28 Discussion HB 568 00:35:18 Vote HB 568 01:12:10, 958, all

Summary: The committee first took up House Bill 527, a cleanup bill related to insurance matters and the Strengthen Kentucky Homes program. The committee substitute removed language that would have repealed the workers’ compensation deductible range, added a one-time grant/reimbursement provision for contractor fortified-roofing certifications, and added an emergency clause. The Department of Insurance said the bill also updates licensing language, addresses issues with unlicensed pharmacy benefit managers, and supports contractor training tied to the roof grant program. The commissioner noted the program is set to go live March 1 and asked members to inform constituents about possible roof grants of up to $10,000. House Bill 527 received a favorable report after the committee adopted the substitute and title amendment by voice vote and then approved the bill on a roll call vote. The committee then heard House Bill 627, a PIP reform bill. The sponsor and State Farm’s legislative agent said the substitute clarified language so the Attorney General can prosecute insurance fraud and reflected negotiations with hospitals, the Kentucky Hospital Association, the Kentucky Justice Association, chiropractors, and physical therapists. The bill would apply the workers’ comp fee schedule to most PIP claims, require bills within 180 days, prohibit balance billing and credit impairment, raise funeral benefits to $5,000 and weekly wage benefits to $500, require an annual fraud report, and give the Attorney General concurrent jurisdiction over insurance fraud cases. A physician testifying in opposition argued the bill would cut reimbursement for non-hospital providers, shift costs to hospitals and other payers, reduce access to care, and create an uneven playing field that favors hospitals. Committee members asked about the lack of a PIP fee schedule and the effect of the workers’ comp schedule relative to Medicare and commercial insurance. After debate, the committee adopted the substitute and then passed House Bill 627 with favorable expression on a roll call vote, with one member voting no. The committee also considered House Bill 355 on real estate appraisers. The sponsor said the bill would restore an independent board, allow evaluations under federal guidelines, and move Kentucky from a voluntary to a mandatory appraisal state. Testimony from insurance and appraisal representatives said the bill would require licensure for real property damage appraisers, exempt insurance agents and claims adjusters licensed under the insurance code, and create clearer standards and oversight. Members asked about the cost of an executive director and whether the board could sustain itself through fees; the sponsor said the board had historically been self-sustaining. The committee adopted the substitute and then gave House Bill 355 a favorable report by roll call vote. Finally, the committee began House Bill 568, which would prohibit new public adjuster licenses while allowing current licensees to renew. The sponsor said the bill responds to ongoing complaints and investigations in the industry and noted that most licensed public adjusters in Kentucky are not residents of the state. The transcript cuts off as the bill’s presentation was beginning.

Transcript Highlights:

• As well as working with consumer advocates on designing financial products directly that both help consumers
• for consumers.
• And consumers need those carriers. ...that, you know, providers will leave and consumers need those carriers
• , so in underwriting, we don't review each underwriting specifically because that's kind of on a consumer-by-consumer
• looking at the whole market, the whole... ...underwriting specifically because that's kind of on a consumer-by-consumer

Keywords: 993, senate, all

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.

Transcript Highlights:

• Every time a consumer taps a card to a local business, the consumer believes three things: their information
• The losses the banks ostensibly take, whether it's first-party fraud, second, To a consumer.
• The losses the banks ostensibly take, whether it's first-party fraud, second- or third-party fraud.
• It's what feeds the consumer economy.
• It's what feeds the consumer economy.

Keywords: 995, all

Summary: The Special Commission on the future of payments and sales transactions by credit card heard extensive testimony from credit union, banking, retail, restaurant, and payments-industry representatives about proposals to limit interchange fees, especially on the tax and tip portions of transactions. Several witnesses opposed state-level restrictions, arguing they would create a patchwork of rules, burden state-chartered institutions, raise compliance complexity, and ultimately reduce resources for fraud prevention, cybersecurity, rewards, and access to credit. Others, including retail and merchant advocates, said swipe fees are a significant and growing cost for small businesses and that states should consider reforms such as limiting fees on taxes and tips, allowing surcharging, improving transparency in merchant contracts, and studying collection costs more closely. Witnesses also discussed recent legal and regulatory developments, including Illinois’s interchange-fee law, OCC and NCUA interim rules, and the ongoing Visa/Mastercard antitrust settlement. Industry representatives said the Illinois law has been delayed and is likely preempted for most transactions, while merchant advocates argued the state efforts and court rulings show that networks and banks do not set fees competitively. The proposed antitrust settlement was described by some as a meaningful but limited merchant victory, with temporary fee reductions and expanded surcharge/steering rights, while others said it still falls short of structural reform. The commission members pressed witnesses on the practical effects of fees, the cost of cash, whether merchants can pass costs through, and whether small businesses are actually seeing benefits from the current system. Members repeatedly emphasized the need for a fair middle ground that protects both small businesses and the payment system. No substantive votes or policy actions were taken beyond accepting testimony, and the meeting ended with adjournment after all scheduled witnesses had spoken.

Transcript Highlights:

• card fraud.
• card fraud.
• This bill is a common-sense fix that will help protect Minnesota consumers, protect us against fraud,
• This bill is a common-sense fix that will help protect Minnesota consumers, protect us against fraud,
• to the consumer. to the consumer.

Keywords: 919, house, all

Summary: The House convened with prayer, the Pledge of Allegiance, and a performance of the national anthem, then established a quorum and approved the previous day’s journal. Members handled routine business including second readings of several Senate files, first readings of House files 5067 through 5073, and messages from the Senate transmitting bills and requesting concurrence on House File 3437 and House File 1410. The House concurred in Senate amendments to HF 3437, a commerce bill with a technical cross-reference correction, and passed it 133-0. It also concurred in Senate amendments to HF 1410, a public safety bill on correctional officer procedures, and passed it 132-2 after members described the changes as clarifying and balanced for labor and management. The chamber then took up House File 3404, which increases penalties for impersonating a peace officer. The bill would raise the base offense from a gross misdemeanor to a felony, create aggravated offenses for impersonation involving unauthorized access, misleading orders, law-enforcement-style vehicles, or possession of a firearm, and add a duty for officers to identify themselves while protecting undercover work. Supporters, including the author and several members, tied the bill to the June 14, 2025 killings and said it was needed to restore public trust and protect both the public and legitimate law enforcement. The House passed HF 3404 134-0 after a moment of silence. The House also passed House File 3155, which closes a loophole in gift card fraud law by allowing prosecution based on the value stored on the card rather than just the plastic card itself. Supporters described organized retail crime schemes in which stolen gift cards are drained after activation and said the bill would help retailers, consumers, and law enforcement. The bill passed 134-0. Senate File 3958, which changes the deadline for a disaster assistance contingency account report from January 15 to January 31, also passed 134-0. Finally, the House considered House File 3875, the judiciary policy bill. An author’s amendment removed a section that had been unintentionally left in the bill, and members then discussed provisions allowing courts more flexibility in publishing notices, streamlining some notification requirements in dissolution cases, and making restitution orders permanent unless rescinded by court order. The transcript cuts off during discussion of the bill, before any final vote is shown.