Video & Transcript Research : 'legislative representation'
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TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) May 1st, 2025
Business & Commerce
Transcript Highlights:
- bunch of work done regarding the various concerns of industry and stakeholders, individuals, and legislators
- This is a bill that we considered last legislative session but has been updated and modified.
- The bill clarifies the right of access for legislators by noting that the right to access applies to
- Legislators would be entitled to information from executive agencies concerning information that we need
- for our legislative purposes.
Bills:
HB12, HB149, HB12, HB149, SB229, SB1361, SB1749, SB1897, SB2113, SB2566, SB2677, SB1652, SB2327, SB2344, SB2696
Keywords:
election law, attorney general, prosecution, criminal offenses, law enforcement, jurisdiction, voter fraud, local prosecuting attorney, public safety, communication, governor approval, interoperability, political subdivision, radio systems, artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part I) May 1st, 2025
Business & Commerce
Transcript Highlights:
- I'd like to thank them for working with us so hard on this important piece of legislation.
- There will be a legislative council draft with non-substantive changes.
- legislation should target bad breeders and not legitimate Texas-owned businesses.
- I support this legislation.
- Legislature and certain legislative agencies from the information disclosure requirements.
Bills:
HB12, HB149, SB229, SB1361, SB1749, SB1897, SB2113, SB2566, SB2677, SB1652, SB2327, SB2344, SB2696, HB12, HB149
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing
TX
Transcript Highlights:
- This legislation has a positive impact on the state of Texas of $25 million. Mr.
- This legislation will have a dramatic effect.
- Representative King, along with Senator Kolkhorst, both strong agricultural legislators, passed HB 2463
- This bill would undo that legislation and reverse the path of growth for the Texas horse industry.
- Chairman, thank you for the opportunity to lay out this important piece of legislation.
Bills:
HB 105, HB982, HB1483, HB1508, HB2575, HB3646, HB3993, HB4083, HB4580, HB4725, HB5169, HB5511, HJR73, HJR102, HJR174, HB3746, HB4240
Keywords:
economic development, job creation, energy, tax incentives, technology investment, ad valorem taxes, elderly, disabled, low-income, tax limitation, homesteads, Texas Tax Code, property tax, ad valorem tax, tax exemption, residential real property, home improvement, energy efficiency, energy-efficient upgrades, HVAC
TX
Transcript Highlights:
- This legislation is a result of their efforts.
- Legislative session senator Menendez authored list legislation to direct HSC to survey behavioral health
- No appropriations to this fund is requested by this legislation.
- You know, there's legislation out there.
- Legislative Director for Texas Right to Life and Self.
Bills:
HB5141, HB4638, HB2264, HB2035, HB4813, HB4408, HB2684, HB1621, HB2300, HB216, HB3829, HB4466, HB1747, HB2284, HB3614, HB2587, HB3219, HB3318, HB5147, HB4014, HB216
Keywords:
lease, state property, public purpose, Travis County, Health and Human Services, pharmaceutical initiative, drug distribution, healthcare services, generic drugs, advanced pharmaceuticals, cost savings, mental health, patient discharge, medical records, health care professionals, substance use, family involvement, chemical dependency, treatment facilities, minor admissions
TX
Transcript Highlights:
- only just seen the proposed language, TALA is neutral on the concept of incorporating Oklahoma's legislation
- We therefore urge your support for this important legislation. Thank you. Thank you.
- This legislation is very timely as DFPS just announced new SSCC contracts awarded in three regions including
- Receivership, we would actually go to court if we thought a receivership were necessary and this legislation
Bills:
HB 1531, HB 2667, HB 2809, HB 2865, HB 3589, HB 3151, HB 3748, HB 3750, HB 4419, HB 4643, HB 3597, HB 4129, HB 4130, HB 4131
Keywords:
workplace violence prevention, health and safety code, Chapter 331, facility definition, home and community support services agency, home health agency, home health care, nursing staff, registered nurses, health care workplace safety, hospital, nursing facility, ambulatory surgical center, freestanding emergency medical care facility, mental hospital, Texas health care regulation, provider compliance, occupational safety, senior living, referral agencies
TX
Transcript Highlights:
- only just seen the proposed language, TALA is neutral on the concept of incorporating Oklahoma's legislation
- I urge your support for this important legislation. Thank you. Thank you, members.
- This legislation is very timely, as DFPS just announced new SSCC contracts awarded in three regions,
- We would actually go to court if we thought a receivership were necessary and this legislation were to
Bills:
HB1531, HB2667, HB2809, HB2865, HB3589, HB3151, HB3748, HB3750, HB4419, HB4643, HB3597, HB4129, HB4130, HB4131
Keywords:
workplace violence prevention, health and safety code, Chapter 331, facility definition, home and community support services agency, home health agency, home health care, nursing staff, registered nurses, health care workplace safety, hospital, nursing facility, ambulatory surgical center, freestanding emergency medical care facility, mental hospital, Texas health care regulation, provider compliance, occupational safety, senior living, referral agencies
TX
Transcript Highlights:
- I would like to thank the witnesses for being here today on this important legislation.
- They encouraged me to contact my legislators, which is what I'm doing to provide some input.
- This legislation would mean that now the population of the county is 500,000 or under, so it expands
- I really want to thank Chair Hull for filing this important legislation.
- So then this legislation allows people to get ahead of the line, which could push other people behind
Bills:
HB1531, HB2667, HB2809, HB2865, HB3589, HB3151, HB3748, HB3750, HB4419, HB4643, HB3597, HB4129, HB4130, HB4131
Keywords:
workplace violence prevention, health and safety code, Chapter 331, facility definition, home and community support services agency, home health agency, home health care, nursing staff, registered nurses, health care workplace safety, hospital, nursing facility, ambulatory surgical center, freestanding emergency medical care facility, mental hospital, Texas health care regulation, provider compliance, occupational safety, senior living, referral agencies
TX
Transcript Highlights:
- This legislation will provide much-needed teeth to our enforcement. efforts deter violators and protect
- And so I filed this legislation not to eliminate design build but to remove the artificial six that I've
- It was only because we passed legislation. to restrict them to larger than 150, did they start doing
- And Chairman Nichols, I know we worked on this bill legislation a while back years ago.
- I am Ben Wright, the state legislative Chairman for the Brotherhood of Locomotive Engineers and Trainmen
Keywords:
transportation, TxDOT, Texas Department of Transportation, road projects, highways, infrastructure, bridge construction, interchanges, corridor improvements, road widening, railroad grade separation, sound barrier, unified transportation program, legislative notice, project prioritization, capital projects, state highway system, Farm-to-Market Roads, San Antonio, Harris County
TX
Transcript Highlights:
- What's your legislative intent, I guess, on the bill?
- In addition, Senator, there are 32 other states that are looking at similar legislation.
- But that's where we are here today, creating a piece of legislation. that doesn't help any one of our
- Senate Bill 1433 by Betancourt relating to the assertion of legislative privilege. the Attorney General
- Senate Bill 1474 by Hall. adopt rules, including legislative approval of certain rules proposed or adopted
Bills:
SJR34, SB10, SB18, SB19, SB21, SB72, SB140, SB262, SB370, SB480, SB495, SB627, SB703, SB767, SB790
Keywords:
parental rights, parents, children, custody, care and control, upbringing, family law, constitutional amendment, Texas Constitution, child welfare, education policy, medical decisions, parental authority, primary decision makers, family autonomy, education, Ten Commandments, public schools, religious display, First Amendment
LA
Louisiana 2026 Regular Session
House of Representatives May 31st, 2026
Louisiana House Floor Meeting
Transcript Highlights:
- House Bill 410 by Representative Schlegel, relative to in-person communications, legislative intent,
Bills:
HR310, HR314, HR316, HR317, HR321, HR275, HR276, HR279, HR282, HR286, HR289, HR292, HR295, HR302, HR319, HCR112, HR307, SCR59, SCR61, SCR62, SCR68, SCR69, SCR70, SCR54, SCR55, SCR64, SCR75, HCR79, HCR104, HB75, HB410, HB719, HB750, HB944, HB1098, HB1220, HB1252, HB359, HB210, HB468, HB1117, SB382, HB368, HB552, HB732, HB870, HB1236, SB29, SB42, SB43, SB149, SB208, SB274, SB300, SB312, SB387, SB389, SB401, HR74, HB998, HB901, HR20, HCR65, HCR71, HCR98, HB284, HB306, HB341, HB366, HB393, HB458, HB577, HB603, HB605, HB614, HB625, HB646, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1191, HB1240, HB1255, SB82, SB89, SB97, SB123, SB237, HB36, HB42, HB74, HB119, HB159, HB258, HB259, HB302, HB414, HB459, HB848, HB956, HB1017, HB1028, HB1095, SB217, SB283, SB469
Keywords:
oil and gas, orphan wells, inactive wells, shut-in wells, marginal wells, plugging and abandonment, well decommissioning, site remediation, site restoration, Oilfield Site Restoration, OSR program, financial security, bonding, taxpayer liability, public liability, offshore wells, onshore wells, coastal erosion, Department of Conservation and Energy, natural resources
LA
Louisiana 2026 Regular Session
House of Representatives May 31st, 2026
Louisiana House Floor Meeting
Bills:
HR310, HR314, HR316, HR317, HR321, HR275, HR276, HR279, HR282, HR286, HR289, HR292, HR295, HR302, HR319, HCR112, HR307, SCR59, SCR61, SCR62, SCR68, SCR69, SCR70, SCR54, SCR55, SCR64, SCR75, HCR79, HCR104, HB75, HB410, HB719, HB750, HB944, HB1098, HB1220, HB1252, HB359, HB210, HB468, HB1117, SB382, HB368, HB552, HB732, HB870, HB1236, SB29, SB42, SB43, SB149, SB208, SB274, SB300, SB312, SB387, SB389, SB401, HR74, HB998, HB901, HR20, HCR65, HCR71, HCR98, HB284, HB306, HB341, HB366, HB393, HB458, HB577, HB603, HB605, HB614, HB625, HB646, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1191, HB1240, HB1255, SB82, SB89, SB97, SB123, SB237, HB36, HB42, HB74, HB119, HB159, HB258, HB259, HB302, HB414, HB459, HB848, HB956, HB1017, HB1028, HB1095, SB217, SB283, SB469
Keywords:
oil and gas, orphan wells, inactive wells, shut-in wells, marginal wells, plugging and abandonment, well decommissioning, site remediation, site restoration, Oilfield Site Restoration, OSR program, financial security, bonding, taxpayer liability, public liability, offshore wells, onshore wells, coastal erosion, Department of Conservation and Energy, natural resources
AZ
Transcript Highlights:
- a legislative salary of $100 per year.
- I have introduced legislation that does pay raise very minimally for legislators, and it is tied to finite
- Judges are not in the same position as legislators.
- But you know what makes it all worth it is when legislators run legislation ...is when legislators run
- . is going to be responsive to legislative interest.
Bills:
SB1041, SB1088, SB1118, SB1128, SB1168, SB1176, SB1189, SB1207, SB1250, SB1272, SB1274, SB1286, SB1428, SB1457, SB1461, SB1503, SB1519, SB1537, SB1582, SB1618, SB1654, SB1713, SB1827, SCR1012, SCR1020
Keywords:
electronic monitoring, nursing care, assisted living, resident rights, privacy, consent, surveillance, cybersecurity, homeland security, artificial intelligence, state appropriation, VPN security, zero trust, housing, zoning, middle housing, urban development, duplexes, triplexes, fourplexes
Summary:
The committee began with Senate Bill 1272, which would provide $5 million for the City of Douglas as a state match for the Douglas Port of Entry project. The chair adopted a Livingston amendment changing the funding source from the General Fund to the Water Supply Development Revolving Fund. Senator Gowen, Douglas Mayor Jose Grijalva, and city staff testified that the project could unlock $678 million in federal funding, create jobs, improve trade and national security, and generate future tax revenue. The bill passed 15-0 with three present and one not voting.
Senate Bill 1503 was then amended with a strike-everything to expand the state death benefit for first responders to include pilots employed by law enforcement agencies, retroactive to January 1, 2026, and subject to voter approval. Senator Gowen and DPS Director Colonel Jeffrey Glover said the change would ensure the family of a DPS aviation supervisor killed in a helicopter crash would qualify for the benefit. The committee approved the bill 18-0 with one not voting.
Senate Bill 1274 was converted by strike-everything amendment into a timeshare salesperson licensing measure, creating a separate license and training path focused on timeshare sales. Supporters said the change would better prepare salespeople and streamline licensing, while the sponsor said it would make government more efficient. The bill passed 17-1 with one not voting. Senate Bill 1286, dealing with veterinary telemedicine, was also approved after negotiated changes extended most telemedicine prescription periods to 30 days, kept antimicrobials at 14 days with no renewal, and allowed longer flea-and-tick prescriptions; supporters said it would help rural and disabled pet owners. It passed 18-0 with one not voting.
The committee next considered Senate Bill 1519 on off-highway vehicles. A hostile strike-everything amendment proposing paid family and medical leave failed 7-11 with one not voting. The committee then adopted a Lopez amendment and advanced the underlying bill, which raises the OHV weight threshold from 2,500 to 3,500 pounds and adjusts registration and funding provisions. Supporters said it reflects newer enclosed and electric vehicles and helps trail funding, while opponents warned of trail damage and said the issue should wait for the study committee. The bill passed 10-7 with one present and one not voting. Senate Bill 1618, which updates the Military Affairs Commission, expands its membership and duties, and creates a military affairs fund, drew mixed testimony about whether it would strengthen Arizona’s ability to attract and retain military missions or shift the commission away from its traditional support role; it passed 10-6 with two present and one not voting. Finally, Senate Concurrent Resolution 1020, which would send to voters a CPI-based annual adjustment to legislative salaries, passed 9-8 with one present and one not voting after members debated legislative compensation, citizen-legislator concerns, and whether the change would broaden access to public service.
AZ
Transcript Highlights:
- as standalone legislation.
- With some health care legislative specialists.
- I was representing Legislative District 4.
- I was representing Legislative District 4.
- Rebates would still exist under this legislation.”
Bills:
SB1052, SB1115, SB1118, SB1120, SB1121, SB1124, SB1171, SB1172, SB1174, SB1175, SB1214, SB1233, SB1235, SB1316, SB1345, SB1372, SB1399, SB1458, SB1494, SB1496, SB1564, SB1602, SB1621, SB1628, SB1630, SB1631, SB1668, SB1672, SB1814, SB1821
Keywords:
assisted living, health care, hyperbaric oxygen therapy, physician orders, informed consent, AHCCCS, remote work, state agency, employment, public health, housing, zoning, middle housing, urban development, duplexes, triplexes, fourplexes, townhomes, historic preservation, radiation protection
Summary:
The committee first heard Senate Bill 1121, which would prohibit hospitals from requiring lead aprons for cardiac catheterization staff when a radiation protection system is in place, while still allowing hospitals to require aprons outside the designated safety zone or when exposure levels warrant additional protection. An amendment added flexibility for radiation safety officers to require lead or other PPE if exposures approach occupational limits and removed expedited rulemaking language. Supporters, including the sponsor and interventional cardiologists, argued the devices reduce radiation and orthopedic injuries and improve recruitment and retention; hospital groups shifted to neutral after the amendment. The committee adopted the amendment and passed SB 1121 on a 9-2 vote.
The committee then considered Senate Bill 1120, which would require hospitals performing cardiac catheterization procedures to equip at least 50% of those rooms with radiation protection systems by 2027. Supporters said the systems protect clinicians from radiation and long-term injury, while opponents, including hospital and radiology groups, argued the bill was overly prescriptive, could create a captive market, and might not fit all rooms or procedures. After adopting a children’s hospital exemption amendment, the committee passed SB 1120 on a 6-6 vote, with the chair breaking the tie in favor of the bill.
Senate Bill 1118, an appropriation measure tied to the radiation protection system proposal, was also advanced after brief discussion, passing 6-5. The committee then took up Senate Bill 1214, which would create guardrails for non-FDA-approved stem cell and regenerative therapies, including provider standards, informed consent, advertising limits, reporting requirements, and a private right of action for violations. Supporters described it as a patient-protection and access bill, while testimony emphasized concerns about unregulated “bad actors” and patients traveling out of state for treatment. The committee adopted an amendment removing a reference to the National Law and passed SB 1214 on a 9-3 vote. The transcript then began discussion of SB 1630, which would create a Medicaid-funded home and community-based service benefit for adults with serious mental illness, with AHCCCS taking a neutral position and estimating a significant fiscal impact.
OK
Transcript Highlights:
- The legislation actually exists in other statute.
Bills:
SB1638, SB504, SB2072, SB1283, SB1216, SB1655, SB2011, SB1643, SB1446, SB1256, SB1258, SB1441, SB1224, SB1448, SB1496, SB1597, SB1621, SB1827, SB2066, SB2104
Keywords:
Governmental Tort Claims Act, liability limits, claims, medical negligence, tort reform, state liability, public health, claims adjustment, compensation limits, fraudulent conveyance, property rights, title theft, real estate law, law enforcement, probate procedure, agent residency, legal process, statutory language, gender neutral, SB 1216
TX
Transcript Highlights:
- I will also tell you there's another piece of legislation that is probably a more natural fit for this
- And there may be, again, another legislative vehicle to address this.
- This legislation, that this mimics, has passed in Florida.
- I will I will spot that argument if somebody believes honestly that there is a legitimate legislative
- Identified expanding career and technology education as a legislative emergency.
Bills:
HB 120, HB20, HB150, HB6, HB 100, HB 124, HB210, HB215, HB1393, HB1587, HB 1151, HB 1268, HB142, HB451, HB39, HB 102, HB 126, HB290, HB300, HB2143, HJR2, HB147, HJR6, HB 120, HB20, HB150, HB6, HB 100, HB 124, HB210, HB215, HB1393, HB1587, HB 1151, HB 1268, HB142, HB451, SB1
Keywords:
career readiness, education reform, workforce training, public schools, financial aid, applied sciences, career education, high school diploma, certificate program, work-based learning, job placement, high-growth jobs, technical training, cybersecurity, state command, information resources, data protection, incident response, mental health, telehealth
LA
Transcript Highlights:
- House Bill 1113 by Representative Hilferty, legislative instruments, requires a copy of each legislative
- Thank you, Representative Mack, for your legislation.
- Does this law, this piece of legislation, compel speech? No.
- How would this legislation work in that situation?
- So how would this legislation affect that situation?
Bills:
HR115, HR116, HR117, HR118, HR112, HR113, HR114, HCR51, HCR52, SCR18, SCR20, SB14, SB76, SB118, SB142, SB156, SB170, SB197, SB234, SB258, SB287, SB288, SB313, SB315, SB393, SB396, SB426, SB427, HCR7, HB76, HB84, HB132, HB181, HB210, HB250, HB265, HB275, HB291, HB322, HB342, HB457, HB475, HB477, HB486, HB616, HB635, HB639, HB690, HB740, HB757, HB761, HB766, HB774, HB808, HB855, HB866, HB872, HB883, HB886, HB903, HB949, HB962, HB996, HB1003, HB1036, HB1054, HB1071, HB1076, HB1078, HB1113, HB1132, HB1146, HB1232, HB1233, HR15, HR20, HCR14, HCR6, HCR19, HCR10, HR74, HCR26, HCR35, HB98, HB108, HB131, HB151, HB161, HB288, HB294, HB305, HB310, HB320, HB336, HB380, HB392, HB403, HB420, HB459, HB476, HB540, HB615, HB631, HB637, HB648, HB665, HB682, HB789, HB813, HB815, HB835, HB870, HB905, HB915, HB933, HB938, HB987, HB1040, HB51, HB82, HB143, HB145, HB160, HB180, HB192, HB393, HB430, HB445, HB506, HB515, HB521, HB565, HB590, HB614, HB638, HB670, HB672, HB685, HB692, HB752, HB773, HB781, HB799, HB860, HB874, HB887, HB917, HB937, HB956, HB965, HB972, HB977, HB982, HB1006, HB1010, HB1044, HB1072, HB1088, HB1179, HB1200, HB81, HB400, HB154, HB410, HB463, HB827, HB868, HB952, HB953, HB140, HB750, HB911, HB52, HB961, HB399, HB401, HB901, HB9, HB58, HB193, HB284, HB570, HB577, HB582, HB605, HB733
Keywords:
Kappa Alpha Psi, fraternity, Louisiana, commemoration, community engagement, recognition, state championship, basketball, sports achievement, school commendation, commendation, athletics, team sports, youth, community recognition, water utility, tax credit, excessive rates, residential service, subcommittee
MN
Transcript Highlights:
- Representative Murphy was the longest-serving female legislator in Minnesota, serving from 1977 to 2022
- Representative<00:01:55.600>
Mary Representative Murphy was the longest-serving female legislator - And there is a bit of a typo I saw on the legislation, but we'll get that cleared up for you. 835,000
- There has been a bit of a typo I saw on the legislation, but we'll get that cleared up for you. 835,000
- <00:26:17.360>
and working with on this legislation and working with on this legislation and
Bills:
HF1972, HF229, HF1090, HF1084, HF1307, HF1274, HF1609, HF2110, HF211, HF216, HF222, HF224, HF225, HF203, HF206, HF207, HF208, HF227, HF246, HF427, HF466, HF502, HF680, HF971
Keywords:
community center, Breckenridge, capital investment, state bonds, economic development, HF229, North Branch Area Hockey Association, Stacy Ice Arena, Chisago County, general fund appropriation, grant, ice arena, hockey rink, youth sports, recreational facility, community arena, nonprofit, DEED, Department of Employment and Economic Development, local infrastructure
TX
Transcript Highlights:
- So we seek to do our best, and we pray for successful legislation in this House which holds justice.
- integrity, who truly have the lives of their constituents. constituents in mind as they determine legislation
- We remember those legacies of those people who have come before us, you know as we at this legislative
Bills:
HR34, HR36, HR38, HR39, HR41, HR42, HR43, HR67, HR68, HR73, HR77, HR81, HR104, HR166, HR201, HR202, HR223, HR226, HR233, HR234, HR246, HR264, HR266, HR268, HR271, HR280, HR282, HR286, HR291, HR292, HR296, HR298, HR319, HR326, HR329, HR348, HR354, HR373, HR376, HR381, HR385, HR386, HR387, HR391, HR394, HR395, HR396, HR399, HR400, HR402, HR403, HR404, HR408, HR409, HR410, HR413, HR414, HR417, HR418, HR419, HR422, HR424, HR429, HR435, HR439, HR440, HR22, HR88, HR94, HR136, HR194, HR231, HR302, HR397, HR416, HR420, HR421, HR423, HR430, HR431
TX
Transcript Highlights:
- My question is real simple: what you're asking us today is to vote for this piece of legislation so that
- We're releasing A through F ratings every year, channeling disputes through legislative oversight rather
- This is the last in a series of tremendous bills that have occurred in this legislative session: Senate
Bills:
SB 3, SB 16, SB 2, SB 5, SB 10, HB17, SB 54, SB 9, SB 7, SB 17, SB 4, HB8, HB25, HB26, HB192, HB8, HB25, HB26, HB48, HB149, HB192, HB254, HB17, SB54, SB9, SB7, SB17, SB4, SB3, SB16, SB2, SB5, SB10
Keywords:
flash flood, flood warning, outdoor warning siren, emergency alert, disaster preparedness, flood mitigation, Hill Country floods, Texas Water Development Board, municipalities, counties, local government mandate, public safety, grant program, backup power, weather siren, emergency management, flood-prone area, warning system, real property theft, real property fraud
TX
Bills:
SB 3, SB 16, SB 2, SB 5, SB 10, HB17, SB 54, SB 9, SB 7, SB 17, SB 4, HB8, HB25, HB26, HB192, HB8, HB25, HB26, HB48, HB149, HB192, HB254, HB17, SB54, SB9, SB7, SB17, SB4, SB3, SB16, SB2, SB5, SB10
Keywords:
flash flood, flood warning, outdoor warning siren, emergency alert, disaster preparedness, flood mitigation, Hill Country floods, Texas Water Development Board, municipalities, counties, local government mandate, public safety, grant program, backup power, weather siren, emergency management, flood-prone area, warning system, real property theft, real property fraud