Transcript Highlights:

• And we're now going to go to House Bill 8 as amended.
• Same with your housing facilities.
• House Bill 8 or similar legislation.
• Residents also need to be able to find affordable housing.
• What was mentioned was the House case, that's House v.

Bills: SB234, SB210, SB243, SB244, SM16, HB8

Keywords: foster children, school transportation, education funding, public education, child welfare, New Mexico Highlands University, soccer field, women's sports, infrastructure improvement, funding allocation, student athletes, appropriation, New Mexico State University, nutrition, travel support, funding, education, university support, financial assistance, parenting students

Transcript Highlights:

• Thank you, Chair Romero and members of the House. My name is Sarah Hutton.
• House Bill 2 coming out of the House currently has some funding.
• We're going to clean house and make it look good.
• Chair and members of the House Education Committee.
• I have a simple House Memorial 53 in front of us.

Bills: SB234, SB210, SB243, SB244, SM16, HB8

Keywords: foster children, school transportation, education funding, public education, child welfare, New Mexico Highlands University, soccer field, women's sports, infrastructure improvement, funding allocation, student athletes, appropriation, New Mexico State University, nutrition, travel support, funding, education, university support, financial assistance, parenting students

Transcript Highlights:

• Same with your housing facilities.
• They saw our student housing.
• Same with your your housing facilities.
• House Bill 8 or similar legislation.
• What was mentioned was the House case, that's House v.

Bills: SB234, SB210, SB243, SB244, SM16, HB8

Keywords: foster children, school transportation, education funding, public education, child welfare, New Mexico Highlands University, soccer field, women's sports, infrastructure improvement, funding allocation, student athletes, appropriation, New Mexico State University, nutrition, travel support, funding, education, university support, financial assistance, parenting students

Summary: The Senate Education Committee began by announcing that SB 210 would be rolled over to Friday and would not be heard. The committee then returned to SB 234, which would provide foster child school transportation funding statewide rather than only for Albuquerque Public Schools. Members adopted an amendment striking the APS-only language and making the bill statewide after testimony from the sponsor, PED, and others that foster youth transportation is a growing issue and should have its own funding stream. The committee discussed how the money might be distributed and whether the $1.2 million appropriation would be sufficient, then voted do pass on SB 234 as amended. The committee next heard HB 8, which creates a Higher Education Major Projects Fund for large capital projects that are difficult to fund through existing capital outlay processes. Testimony from the sponsor, LFC, HED, and university representatives explained that the bill would support projects such as the UNM School of Medicine, an NMSU multidisciplinary building, student housing, student life projects, and certain Division I athletic facilities, while requiring design readiness, institutional matches, and legislative oversight. Several senators raised concerns about the clarity of the prioritization process, the Division I-only athletics language, the recurring nature of future funding, and the relationship to other capital funding streams, but the committee ultimately voted do pass on HB 8. The committee then considered SB 243 and SB 244, nearly identical bills for UNM and NMSU that would each appropriate $5 million for student health, student support, nutrition, travel, scholarships, and other athletic department needs. Athletic directors testified that conference realignment, higher travel costs, nutrition demands, and new revenue-sharing/NIL obligations have increased expenses, and sponsors said the bills were intended as one-time appropriations. Some senators questioned whether the requests should be recurring or funded through university revenue rather than the state, but both bills received do pass recommendations. Finally, the committee heard SM 16, as amended, which asks HED to convene a task force to study parenting students in higher education and recommend ways to collect data and improve support. Supporters said better data is needed to understand barriers such as child care and transportation, and the memorial passed with a do pass recommendation. The committee then adjourned until Friday morning.

Transcript Highlights:

• House Bill 2 coming out of the House currently has some funding.
• So I know that we tried on the House side to get something...
• We're going to clean house and make it look good.
• Chair and members of the House Education Committee.
• I have a simple House Memorial 53 in front of us.

Bills: SB234, SB210, SB243, SB244, SM16, HB8

Keywords: foster children, school transportation, education funding, public education, child welfare, New Mexico Highlands University, soccer field, women's sports, infrastructure improvement, funding allocation, student athletes, appropriation, New Mexico State University, nutrition, travel support, funding, education, university support, financial assistance, parenting students

Summary: The committee heard Senate Bill 37, the High-Quality Literacy Instruction Act, which would strengthen reading instruction and educator preparation around the science of reading. The sponsor and supporters said the bill requires evidence-based, culturally and linguistically responsive literacy instruction, including support for English learners and students in bilingual and dual-language programs, use of approved high-quality instructional materials for K-3 reading and interventions, a K-3 reading assessment, literacy coaches, and parent progress reports. An amendment package was adopted to clarify biliteracy language, broaden references to bilingual/dual-language and Indigenous language settings, remove awkward phrasing, and adjust reporting requirements from monthly to four times per school year. The committee then moved forward with the amended bill. Public testimony was largely supportive. Students, educators, school leaders, advocacy groups, and tribal representatives said structured literacy has improved reading outcomes and can help struggling readers, including students with dyslexia and multilingual learners. Several speakers emphasized that the amended bill better protects bilingual, dual-language, and Native language programs, and some noted the importance of parent communication and early intervention. Supporters also cited recent literacy gains in New Mexico and said the bill aligns teacher preparation, materials, assessment, and coaching. Opposition focused mainly on concerns that the bill could still privilege English over Indigenous languages, that high-quality materials requirements may be too restrictive or costly for districts, and that testing and reporting could add workload. Tribal speakers from Acoma and Taos said they could not support the bill without further changes to explicitly protect Native language revitalization. Other opponents raised concerns about funding for materials and coaches, the burden on teachers, and whether the assessment and HQIM requirements would be flexible enough for local needs. In committee discussion, the sponsor and PED said existing funds and staff could support implementation, that the assessment would be formative and teacher-focused, and that the bill was intended to complement, not replace, Native and bilingual education programs.

Transcript Highlights:

• I call it the first-time offense waiver, House Bill 2217.
• We’re going to open the hearing on House Bill 2648.
• We're going to open the hearing on House Bill 2648. the hearing on House Bill 2648, please.
• I'm here testifying on House Bill 2648.
• We have concerns with House Bill 2648.

Bills: HB2217, HB2558, HB2641, HB2648, HB1239, HB1591, HB2209, HB2310, HB2526

Keywords: rehabilitation, felony offenses, criminal justice reform, first-time offenders, pathways to rehabilitation, mental health, sentencing alternative, criminal justice, diversion programs, HB 2641, ICE out act, law enforcement hiring, immigration and customs enforcement, ICE officers, former federal employees, sworn officer, police staffing, general authority law enforcement agency, limited authority law enforcement agency, immigration enforcement

Transcript Highlights:

• I'm proud to be the House Chair of the committee.
• Under House rules, matters that were filed in the House that we're hearing today are required to be reported
• So, back in 2024, you came to the House and you requested this adjustment, right?
• what the housing is.
• The first is House 4722.

Bills: H3012, H4008, H4435, H4444, H4526, H4547, H4574, H4575, H4576, H4577, H4585, H4605, H4687, H4703, H4722, H4754, H4755

Keywords: fines, property valuation, commercial property, real estate, tax penalties, property taxes, local option tax, marijuana sales, Salem, revenue generation, taxation, recreation, local government, commercial activities, Charlemont, property exemption, disabled persons, Swampscott, senior exemption, property tax

Transcript Highlights:

• working at a facility operated by a governing unit, primarily designed, staffed, and used for the housing
• if that housing unit is a family daycare provider or it's used as a foster family home.
• There are no, in general, there are generally no permits.
• There are no, in general, there are generally no permits.
• My name is Jaina House.

Bills: SB6196, SB6204, SB6195, SB5882, SB6134

Keywords: kratom, taxation, regulated substances, health safety, state revenue, cannabis, marijuana, home grow, home cultivation, personal cultivation, adult use cannabis, recreational marijuana, 21 and older, controlled substances, RCW 69.50, Liquor and Cannabis Board, LCB, plant limits, cannabis possession, cannabis concentrates

Transcript Highlights:

• The first one is House Bill 2157. Emily?
• I didn't propose substitute for House Bill 2225. It is H-3146.1. House Bill 2225.
• I didn't propose substitute for House Bill 2225. It is H-3146.1. House Bill 2225.
• With that, we close the hearing on House Bill 2397 and open the hearing on House Bill 2417, changing
• With that we close the hearing on House Bill 2397 and we will open the hearing on House Bill 2417 18.

Bills: HB2397, HB2417, HB2157, HB2186, HB2225, HB2351

Keywords: fire services, reimbursement, state agencies, local jurisdictions, mobilization plan, military justice, victims' rights, militia, Washington code, legal protections, artificial intelligence, AI regulation, algorithmic discrimination, high-risk AI, machine learning, generative AI, synthetic content, impact assessment, risk management policy, consumer protection

Transcript Highlights:

• So this bill, the idea was brought to me by the school district that houses Fairchild Air Force Base
• not to take too long, what happened was that building was built in 2003, at which point the on-base housing
• In 2008, when on-base housing went privatized, it did shift a significant portion of housing off base

Bills: SB5901, SB5860, SB5956, SB5574, SB5922, SB5858

Keywords: school construction, school facilities, capital budget, school plant project, state funding assistance, school construction assistance program, on-base schools, military base, Department of Defense school, military families, public school facilities, instructional space, Superintendent of Public Instruction, SIP, school district capital funding, school housing burden, rapid growth, enrollment growth, free and reduced-price meals, alternative learning experience

Transcript Highlights:

• And then on the statewide permitting, uniform permitting, we just want to make sure it's not an unfunded
• And then on the statewide permitting, uniform permitting, we just want to make sure it's not an unfunded
• They don't want affordable housing.
• Thank you. a percentage for affordable housing.
• We have a huge housing problem, a huge housing need, and you want fewer master plans and chunks that

Bills: S0330, S0354, S0504, S0506, S0526, S0594, S0840

Keywords: firefighter disability, law enforcement disability, correctional officer disability, correctional probation officer, presumptive disability, workers' compensation, line of duty presumption, heart disease presumption, hypertension presumption, tuberculosis presumption, public safety employees, first responders, physical examination, preemployment exam, medical specialist, Medicare reimbursement, employing agency, Florida Statutes 112.18, Florida Statutes 943.13, occupational disease

Summary: The committee took up several bills related to public safety, housing, disaster recovery, construction, and land use. SB 330 clarified the heart disease presumption for firefighters, law enforcement, and correctional officers, aligned the definition of heart disease with medical practice, and allowed a transferring law enforcement officer to rely on a prior physical if the new agency does not provide one. An amendment stating the act serves an important state interest was adopted, and the bill passed unanimously after supportive testimony from law enforcement and fire groups. SB 594 expanded local housing assistance eligibility to residents of mobile home communities, including SHIP rental assistance for lot rent and rehabilitation/emergency repair programs for the home itself; it also passed unanimously after support from manufactured housing advocates. SB 840 revised the hurricane-related land use limits enacted in prior legislation by sunsetting certain temporary restrictions on June 30, 2026, narrowing the affected area from 100 miles to 50 miles from a storm track, and exempting certain planning, water, wastewater, stormwater, and flood-related decisions. The sponsor said the bill was intended to fix unintended consequences of prior hurricane recovery legislation, and the measure was reported favorably on a unanimous vote. SB 526 addressed commercial construction projects by prohibiting “no damages for delay” clauses in public construction contracts, directing the Florida Building Commission to create a uniform commercial permit application, requiring permit fee reductions when private providers are used, and adding mitigation to product approval categories; county representatives raised concerns about implementation and fees, but the bill passed favorably. The committee also approved SB 504 and SB 506, both by Senator Burgess, creating a framework for code inspector body camera use and a related public records exemption for recordings. Both were described as optional for local governments and were reported favorably without opposition. Finally, the committee considered CS/SB 354, a major “blue ribbon projects” bill creating a framework for very large developments that would reserve at least 60% of land for conservation, agriculture, recreation, utilities, and related uses in exchange for streamlined approval and state preemption over local land use controls. The bill drew extensive testimony both for and against, with supporters emphasizing housing supply and land preservation and opponents warning about local control, sprawl, infrastructure costs, and weak conservation protections. Two amendments were adopted to define reserve areas more specifically and address conservation easements, and the committee reported the bill favorably on a divided vote, with Senator Passidomo voting no.

Transcript Highlights:

• So again, they'll try to get housing, but they don't have a job, so they don't qualify for housing.
• Is there anyone else who wishes to testify for or against House Bill 4458?
• House Bill 4458 is left pending. Chair lays out Senate Bill 651.
• The term husband means "man of the house." That's what it means.
• And the woman is the roof of the house.

Bills: HB4458, SB651, SB1227, SB1931

Keywords: veterans, service members, military transition, Texas Veterans Commission, pilot program, self-reliance, employment assistance, housing assistance, mental health services, career training, veterans service organizations, spouses and dependents, military families, Texas military forces, post-separation support, reentry services, workforce development, benefits navigation, transition assistance, SB 651

Transcript Highlights:

• The House committees are subject to the same rules of decorum that govern the House proceedings.
• The chair moves that House Bill 1828, without amendments, be reported favorably to the full House with
• The chair moves that House Bill 2306, without amendments, be reported favorably to the full House with
• House and be printed.
• House Bill 5261 is left pending. House Bill 5261 will be left pending.

Bills: HB1826, HB2854, HB3006, HB4614, HB5261, HB5639

Keywords: mental health, women's health, county jail, depression screening, criminal justice, HB 2854, Pokuaa-Flowers Act, parole, mandatory supervision, electronic monitoring, releasee, parole officer, hospital visit approval, general hospital, law enforcement notification, DSHS, Department of State Health Services, corrections, public safety, liability immunity

Transcript Highlights:

• </c> today with our concerns regarding house today with our concerns regarding house file file file 1937
• With that, House File 1937 is laid over. Next, House File 2407.
• With that, House File 1840 is laid over. Next is House File 257.
• Next, House File 1477.
• House File 1678 is laid over. Next, House File 1477.

Bills: HF1937, HF2407, HF1678, HF1477, HF2040, HF1840, HF257

Keywords: PACE, elderly, Medicaid, health services, long-term care, community-based services, support person, healthcare, patient rights, assisted living, community support, caregiver respite, financial eligibility, Minnesota Statutes, HF1477, residential program licensing, community residential setting, small group home, licensed capacity six or fewer, rental licensing

Transcript Highlights:

• I would like to move House File 484 be recommended to pass and be referred to the Housing Committee.
• I would like to move House File 484 be recommended to pass and be referred to the Housing Committee.
• </c><00:02:56.599><c> first</c> political Affairs for housing first political Affairs for housing first
• The Minnesota Propane Association supports House File 483 and House File 484.
• the Housing Committee.

Bills: HF484, HF483, HF1447, HF1496, HF554

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

Transcript Highlights:

• Illinois's is 100 per year permit fee, but we are the lowest there is.
• They could still permit on that base through what they approve. Follow up.
• Could you give me an example on the previous page on issue permits?
• What kind of permits would that look like? Thank you for the question.
• Recreational stretches, as I recall, had 2,375 permits in it.

Bills: SB2122, SB330, SB2071, SB2169, SB2069, SB2095, SB2157

Keywords: poultry, agriculture, out-of-state processing, Oklahoma Department of Agriculture, regulation, food safety, elk population, wildlife management, Oklahoma State University, veterinary medicine, ecosystem health, habitat assessment, milk, dairy, dairy farm, milk products, Grade A milk, pasteurization, raw milk, milk inspection

Transcript Highlights:

• Illinois is a hundred-dollar-per-year permit fee, but we are the lowest there is.
• They could still permit on that based on what they approve.
• Follow-up: Could you give me an example on the previous page of issue permits?
• What kind of permits would that look like? Thank you for the question.
• The recreational stretch, as I recall, had 2,375 permits in it.

Bills: SB2122, SB330, SB2071, SB2169, SB2069, SB2095, SB2157

Keywords: poultry, agriculture, out-of-state processing, Oklahoma Department of Agriculture, regulation, food safety, elk population, wildlife management, Oklahoma State University, veterinary medicine, ecosystem health, habitat assessment, milk, dairy, dairy farm, milk products, Grade A milk, pasteurization, raw milk, milk inspection

Summary: The committee first considered Senate Bill 2122, which would give the Oklahoma Department of Agriculture, Food and Forestry more flexibility to allow out-of-state poultry processing when in-state processing is unavailable. Supporters said the bill would help poultry producers who face short processing windows and lack sufficient in-state capacity, while opponents raised questions about food safety and environmental standards. The bill passed 13-0. The committee then took up Senate Bill 330, as amended, to help the Oklahoma State Veterinary School Committee study and support the state’s growing elk herd in western Oklahoma. An amendment updated dates and removed a fiscal section, and the bill passed 11-2. Senate Bill 271 followed, updating dairy regulation authority from milk from cows and goats to milk from all hoofed mammals and increasing the milk production fee from one cent to two cents per hundredweight. The Department of Agriculture said the change was needed to preserve Grade A status, maintain interstate milk shipping, and cover program costs without subsidizing the dairy program from poultry fees. After extensive debate over fees, federal pressure, raw milk safety, and state sovereignty, the bill passed 8-7. Later, the committee approved Senate Bill 2169, which creates a framework for managing invasive woody species and cedar removal on state lands to improve forage, reduce wildfire risk, conserve water, and increase school land revenues; it passed 12-1. Senate Bill 269, addressing baiting in migratory bird hunting and related penalties for guides, also passed 12-1. Senate Bill 2095, setting fees and fines for hunting guides and outfitters, passed 12-1 after questions about misdemeanor versus felony penalties. Finally, Senate Bill 2157, creating a Southeast Scenic Rivers framework, passed 8-5 after testimony that it would protect water resources and avoid federal scenic river designation, while critics argued it could expand government and affect property and agricultural rights.

Transcript Highlights:

• side. that were made on the on the House side.
• How do we move faster on housing that is the cry of everyone, uh, for affordable housing.
• </c> of everyone uh for affordable housing. of everyone uh for affordable housing.
• </c> their concentration district use permit their concentration district use permit through<01:11:16.239
• </c> You're very familiar with the houses You're very familiar with the houses that<01:20:38.640><c>

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

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

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

Transcript Highlights:

• And this is important because we know a delay in obtaining a license or a permit costs money.
• Is any of that included in this, or is this just permits and stuff?
• We all know that delays in permitting don't just hold up projects. They hold up paychecks.
• From a labor and economic development perspective, predictability in permitting matters.
• When permits stall or processes are opaque, workers sit idle and projects are delayed.

Bills: SCR8406, SB5825, SB5842, SB5863, SB5840, SB5827, SB5968

Keywords: civic health, community engagement, committee reestablishment, public participation, governance, Washington State Leadership Board, WSLB, gift acceptance, grants, endowments, private funding, public funding, fundraising, state board, youth leadership, civic engagement, leadership development, Washington World Fellows, sports mentoring, Boundless Washington

Transcript Highlights:

• I am speaking in opposition to House Bill 1402.
• Have y'all been issued any permits to build?
• I have at times voted in favor of CDAs in the House.
• Well, that could be anything, including housing.
• Transit-oriented housing development hasn't worked.

Bills: HJR58, HJR63, HB263, HB542, HB905, HB 1288, HB1402, HB2003, HB2262, HB2323, HB2429, HB2876, HB3019, HB263

Keywords: healthcare, insurance, elderly, retirement, benefits, transit-oriented projects, constitutional amendment, state highway fund, funding allocation, voter approval, highway fund, funding, public transportation, transit projects, transportation, local transit, fund allocation, voting rights, election integrity, ballot access

Bills: SJR37, SJR57, SCR8, SB8, SB108, SB125, SB251, SB318, SB378, SB379, SB396, SB472, SB487, SB503, SB533, SB565, SB583, SB608, SB650, SB686, SB689, SB707, SB710, SB763, SB854, SB875, SB916, SB924, SB925, SB958, SB961, SB965, SB987, SB988, SB1006, SB1019, SB1021, SB1024, SB1026, SB1038, SB1146, SB1185, SB1194, SB1202, SB1252, SB1253, SB1330, SB1343, SB1362, SB1497, SB1498, SB1499, SB1527, SB1547, SB1596, SB1697, SJR36, SJR12, SJR57, SJR37, SCR22, SCR12, SCR8, SB925, SB1362, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB504, SB857, SB305, SB296, SB284, SB1497, SB1499, 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, SB1194, SB1253, SB1215, SB1302, SB856, SB583, SB673, SB681, SB1172, SB1252, SB378, SB608, SB955, SB957, SB988, SB1019, SB1021, SB1120, SB251, SB541, SB379, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB1352, SB785, SB710, 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, SB1146, 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

Keywords: voter ID, citizenship, election integrity, constitutional amendment, voting rights, central bank digital currency, CBDC, Federal Reserve, digital dollar, digital currency, cashless payments, financial privacy, cybersecurity, government surveillance, financial surveillance, money laundering, terrorism financing, illicit finance, banking policy, monetary policy