Video & Transcript Research : 'Alabama Code Title 37'
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KY
Kentucky 2026 Regular Session
House Standing Committee on Appropriations and Revenue (1-5-23)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=R39NgXNLF0Y, 2026-06-21T07:17:02+00:00, 2.2.24, Data collected via generic collector engine, MEETING START 00:00
ROLL CALL 00:09
HB 1 DISCUSSION 02:04
HB 1 VOTE 32:38
HB 2 DISCUSSION 34:50
HB 2 VOTE 37:26
HB 11 DISCUSSION 38:58
HB 11 VOTE 41:02, 958, all, 2.2.42, 2.1.47
KY
Kentucky 2026 Regular Session
House Standing Committee on Transportation (3-15-22)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=Vt6BMBMWubM, 2026-06-21T07:17:00+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start 00:00
Roll Call 00:05
HB 566 Discussion 02:02
HB 566 Vote 02:37
SB 114 Discussion 04:22
SB 114 Vote 10:50
SB 119 Discussion 12:18
SB 119 Vote 19:04, 958, all, 2.2.42, 2.1.47
KY
Kentucky 2026 Regular Session
House Standing Committee on Economic Development & Workforce Investment (3-3-22)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=Y4GDA3QAVF4, 2026-06-21T07:17:00+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start 00:00
Roll Call 01:38
HB 500 Discussion 02:56
HB 500 Discussion Opposition with Eric Hall & Adam Blau 25:37
HB 500 Discussion Opposition with Casey Klein & Charles George 32:38
HB 500 Vote 46:54, 958, all, 2.2.42, 2.1.47
KY
Kentucky 2026 Regular Session
House Standing Committee BR Sub. on Health & Family Services (2-9-22)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=no_Pip3fET8, 2026-06-21T07:17:00+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:00:00
Roll Call: 00:00:37
Medicaid Budget Recommendation Presentation: 00:02:29
Aging and Independent Living Budget Recommendation Presentation: 00:28:30
Office for Children and Special Healthcare Needs Budget Recommendation Presentation: 00:56:54, 958, all, 2.2.42, 2.1.47
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 13th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- Head coach Scott Robertson became the only person in history to win a national title as a collegiate
- the 2026 ACU collegiate clay target division national championship, marking back to back national titles
Bills:
HB3767, HB3934, HB4199, HB4336, HB2947, HB3834, HB4302, HB4095, HB3287, HB3649, HB4430, HB4431, HB2059, HB3647, HB3986, HB3548, HB3661, HB4346, HB3075, HB4273, HB3391, HB4128, HB3557, HB3239, HB3982, HB2123, HB2979, HB2997, HB3148, HB4108, HB4143, HB4266, HB2053, HB4058, SR30
Keywords:
dentistry, licensing, dental hygiene, foreign-trained dentists, temporary license, public health, emergency response, child care, workforce, pilot program, affordable care, income eligibility, interventional pain management, pain management clinic, chronic pain, acute pain, spinal injections, epidural steroid injection, peripheral nerve block, nerve ablation
KY
Kentucky 2026 Regular Session
Administrative Regulation Review Subcommittee. (2-9-26)
Transcript Highlights:
- /c><00:37:16.320>
that <00:37:16.560>is <00:37:16.720>what <00:37:17.359>we - <00:37:20.320>
But <00:37:20.720>but <00:37:20.960>we <00:37:21.200>do - <00:37:27.760>
But <00:37:28.480>that's <00:37:28.720>all <00:37:28.880>I - the<00:37:41.440>
sentiments <00:37:41.920>of <00:37:42.079>of <00:37:42.400> - >
Um <00:37:43.680>in <00:37:43.920>regards <00:37:44.160>to <00:37:44.320
Keywords:
0:00 – Meeting start/roll call
0:10 - Roll call/approval of minutes
1:43 - Cabinet for Health and Family Services (CHFS), Department for Medicaid Services
27:40 - Department of Alcoholic Beverage Control
55:54 - Board of Veterinary Examiners
1:33:15 - Testimony in support of 804 KAR 13:010E, 020E, 030E and 040E.
1:49:04 - Education Professional Standards Board
1:49:58 - Attorney General, Office of Regulatory Relief
1:52:18 - Kentucky Public Pensions Authority (KPPA)
1:54:28 - Board of Nursing
1:56:44 - Board of Occupational Therapy
1:57:37 - Board of Medical Imaging and Radiation Therapy
1:58:58 - Department of Fish and Wildlife Resources
1:59:50 - Economic Development Finance Authority
2:01:34 - Department of Corrections
2:02:37 - Department of Juvenile Justice
2:04:02 - Department for Employment Services, Unemployment Insurance
2:04:57 - Cabinet for Health and Family Services (CHFS), Department for Public Health, 958, all
Summary:
The committee first approved the minutes and then took up Department for Medicaid Services regulations 907 KAR 23:010 and related rules. DMS explained that one regulation would establish a beneficiary advisory council and another would remove language barring coverage of GLP-1 drugs for obesity-related use. The department said coverage would still be limited by prior authorization and clinical criteria, with use tied to underlying chronic conditions such as diabetes or cardiovascular disease, and that the pharmacy and therapeutics committee would help set the detailed standards. Members discussed the potential health benefits, but several raised concerns about cost, timing, and whether the legislature and the Medicaid Oversight and Advisory Board should review the policy first. DMS said the drugs are already on the formulary, that current Medicaid users with diabetes are already covered, and that the fiscal impact was estimated using current utilization, rebates, and expected savings; the department also said it would only cover the drugs if subject to rebates. The committee then voted 5-1 to find 907 KAR 23:010 deficient.
The committee next considered several emergency regulations from the Public Protection Cabinet’s Department of Alcoholic Beverage Control implementing SB 100. The rules covered tobacco, nicotine, and vapor product licensing, including the application form, denial standards, and transitional licensing. ABC counsel said the department had received about 5,500 applications and issued nearly 5,000 licenses, with additional provisional licenses issued to avoid interruption in sales after the law’s effective date. He said some applications remained pending because inspections and photographs revealed possible unauthorized nicotine vapor products, and the department was seeking documentation before approval. A staff amendment was adopted without objection before the ABC presentation continued.
HI
Hawaii 2026 Regular Session
EEP/ECD Joint Public Hearing - Tue Feb 14, 2023 @ 9:00AM HST
Keywords:
HI House YouTube, https://www.youtube.com/watch?v=VCPCTMUgpP8, 2026-07-02T01:22:44+00:00, 2.2.24, Data collected via generic collector engine, House Agenda:
https://www.capitol.hawaii.gov/Session2023/hearingnotices/HEARING_EEP-ECD_02-14-23_.PDF
Followed by EEP 9:10AM Agenda:
https://www.capitol.hawaii.gov/Session2023/hearingnotices/HEARING_EEP_02-14-23_.PDF
Then followed by TRN-EEP 10:30AM Agenda:
https://www.capitol.hawaii.gov/Session2023/hearingnotices/HEARING_TRN-EEP_02-14-23_.PDF
Timestamps:
16:08 - Introduction (EEP/ECD 9:00 AM)
16:24 - HB 239
22:10 - Decision Making
------------------------
25:10 - Introduction (EEP 9:10 AM)
25:26 - HB 1303
37:00 - HB 837
42:21 - HB 575
46:56 - HB 256
49:20 - HB 895
54:00 - HB 185
54:56 - HB 927
1:03:50 - Decision Making
------------------------
1:41:06 - Introduction (TRN/EEP 10:30 AM)
1:41:24 - HB 1165
1:46:37 - HB 1406
1:56:54 - HB 189
2:06:55 - HB 1278
2:13:50 - Decision Making, 910, house, all, 2.2.42, 2.1.47
HI
Hawaii 2026 Regular Session
LGO Public Hearing - Tue Feb 14, 2023 @ 9:30AM HST
Keywords:
HI House YouTube, https://www.youtube.com/watch?v=o62usJ4l_bE, 2026-07-02T01:22:44+00:00, 2.2.24, Data collected via generic collector engine, House Agenda:
https://www.capitol.hawaii.gov/Session2023/hearingnotices/HEARING_LGO_02-14-23_.PDF
Followed by WAL/LGO 11:15am Agenda:
https://www.capitol.hawaii.gov/Session2023/hearingnotices/HEARING_WAL-LGO_02-14-23_.PDF
Timestamps:
4:17 - Introduction (LGO 9:30AM)
5:33 - HB 339 HD1
7:27 - HB 1086
8:47 - HB 1087
11:57 - HB 1184
16:40 - HB 1203
19:37 - HB 1353
20:58 - HB 1352
23:33 - HB 1471
28:23 - HB 335 HD1
37:00 - HB 846 HD1
40:44 - HB 250 HD1
47:48 - HB 1202
58:21 - HB 1205
1:00:14 - HB 1398
1:15:38 - Decision Making (LGO 9:30AM)
--------
1:50:43 - Introduction (WAL/LGO 11:15AM)
1:51:01 - HB 203
1:58:44 - HB 1032
2:01:08 - HB 1183
2:06:28 - Decision Making (WAL/LGO 11:15AM), 910, house, all, 2.2.42, 2.1.47
HI
Hawaii 2026 Regular Session
AEN-WTL, AEN, AEN DEFER, AEN-WTL DEFER Public Hearings 02-03-2023 1:00pm
Keywords:
HI Senate YouTube, https://www.youtube.com/watch?v=NzY5M--jduo, 2026-07-02T01:23:05+00:00, 2.2.24, Data collected via generic collector engine, 00:00 - Start
02:00 - SB 77
21:59 - SB 833
29:41 - SB 419
31:37 - SB 657
39:59 - DM AEN-WTL 1:00 PM
41:33 - SB 660
48:29 - SB 519
54:09 - DM AEN 1:30 PM
56:37 - SB 99
01:03:54 - SB 506
01:09:28 - SB 114
01:11:50 - DM AEN DEFER 2:00 PM
01:13:32 -DM AEN-WTL DEFER 2:05 PM
Hearing Notices:
AEN-WTL 1:00 PM
http://www.capitol.hawaii.gov/session2023/hearingnotices/HEARING_AEN-WTL_02-03-23_.PDF
AEN 1:30 PM
http://www.capitol.hawaii.gov/session2023/hearingnotices/HEARING_AEN_02-03-23-1_.PDF
AEN DEFER 2:00 PM
http://www.capitol.hawaii.gov/session2023/hearingnotices/HEARING_AEN_02-03-23_.PDF
AEN-WTL DEFER 2:05 PM
http://www.capitol.hawaii.gov/session2023/hearingnotices/HEARING_AEN-WTL_02-03-23_DEFER_.PDF, 912, senate, all, 2.2.42, 2.1.47
KY
Kentucky 2026 Regular Session
Senate Standing Committee on Health & Welfare (3-23-22)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=m8qUIsD3cxI, 2026-06-21T07:17:01+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:00:00
Roll Call: 00:00:17
Legislative Hearing on the 2022 Social Services Block Grant: 00:00:51
HB 777 Discussion: 00:05:11
HB 777 Roll Call Vote: 00:09:41
HB 512 Discussion: 00:10:45
HB 512 Roll Call Vote: 00:13:34
HB 362 Discussion: 00:14:08
HB 362 Roll Call Vote: 00:20:07
HB 529 Discussion: 00:21:12
HB 529 Roll Call Vote: 00:25:41
HB 502 Discussion: 00:26:15
HB 502 Roll Call Vote: 00:28:57
HB 364 Discussion: 00:29:34
HB 364 Roll Call Vote: 00:37:01
HB 174 Discussion: 00:37:35
HB 174 Roll Call Vote: 00:47:19
HB 3 Discussion: 00:50:31
HB 3 Roll Call Vote: 01:35:52, 958, all, 2.2.42, 2.1.47
OK
Oklahoma 2026 Regular Session
Government Modernization and Technology Apr 6th, 2026 at 03:00 pm
Government Modernization and Technology
Bills:
SB1521
Keywords:
artificial intelligence, AI, generative AI, chatbot, conversational AI, companion AI, AI companion, virtual companion, chatbot regulation, minor safety, child online safety, parental controls, content moderation, self-harm, suicidal ideation, crisis intervention, mental health claims, romantic AI, emotional dependence, app store
KY
Kentucky 2026 Regular Session
Senate Standing Committee on Agriculture (3-7-23)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=tt0-701apxg, 2026-06-21T07:17:03+00:00, 2.2.24, Data collected via generic collector engine, Introduction: 00:00
HB 130 01:35
Committee Substitute 01:42
Discussion: 02:00
Roll Call Vote 05:20
Title Amendment 06:25
Adjournment 06:50, 958, all, 2.2.42, 2.1.47
AZ
Transcript Highlights:
- forward is that over the summer there was an issue where we had somebody in a direct position with the title
- forward is that over the summer there was an issue where we had somebody in a direct position with the title
- already has enforcement mechanisms because it bans a certain kind of care and then that's covered within Title
Keywords:
radiation therapy, particle accelerator, critical access hospitals, patient care, rural healthcare, AHCCCS, lactation care, breastfeeding, health services, healthcare access, Cesar Chavez, public holiday, state law, holiday repeal, Arizona Revised Statutes, childhood cancer, rare diseases, research funding, healthcare, clinical trials
Summary:
The committee opened with attendance and member introductions, then heard a series of health-related bills, many focused on access to care in rural and underserved communities. HB 2049 would allow particle accelerators for radiation therapy in critical access hospitals and counties under 400,000 population under general supervision; sponsors and rural oncology witnesses said it would reduce travel burdens for cancer patients while maintaining safety protocols. HB 2050 updated radiologic technologist statutes to align with current national standards, adjust accreditation and clinical-hour requirements, and allow radiologist assistants to work under supervision rather than direct supervision; an amendment also added registered nurses to the list of professionals not needing a separate license to use diagnostic X-ray machines. Both bills were supported by testimony about workforce shortages and access, though one member voted no on HB 2050 over concerns about oversight and board authority. Both measures received do-pass recommendations, with HB 2050 amended.
The committee then unanimously advanced HB 2082, which creates a Childhood Cancer and Rare Childhood Disease Research Commission to award grants for phase-one pediatric cancer and rare disease trials. Testimony came from families affected by pediatric brain cancer, including a parent who described traveling internationally for treatment and a college student currently undergoing treatment who urged the state to invest in research. Members expressed strong sympathy and support, and the bill passed 12-0. Next, HB 2015 would require Access to cover breastfeeding and lactation services in multiple settings; the sponsor and medical witnesses described breastfeeding as preventive care with benefits for infants and mothers, while Access testified neutral and noted a fiscal estimate was being developed and that the amendment would protect the state if CMS does not approve the services. The bill, as amended, also received a unanimous do-pass recommendation.
The committee also approved HB 2177, which directs Access to seek CMS waivers so tribal and Indian Health Service facilities can be reimbursed for certain covered services, including dental care, for American Indian and Alaska Native members. The sponsor and a Sage Memorial Hospital representative said the bill would help rural tribal facilities keep services local and maximize federal matching funds; it passed unanimously as amended. HB 2178, requiring a state agency medical chief officer to hold an active medical or osteopathic license, was described as a cleanup measure after a lapse in licensure exposed a statutory gap, and it also passed unanimously. HB 2179, which clarifies definitions separating air ambulance from ground ambulance regulation, was supported as a technical clarification to avoid unintended consequences and likewise received unanimous approval.
Finally, the committee advanced HB 2183, which creates an emergency medicine study committee to examine Arizona’s EMS system, including rural and urban capacity, workforce burnout, uncompensated care, and emergency department utilization. The sponsor said the study would help the state understand system pressures and identify policy solutions; firefighters, health care advocates, and an emergency medicine nurse practitioner testified in support, emphasizing the ER’s role as the safety net and the strain from staffing shortages, rural closures, and high volumes. The bill was still under discussion at the end of the transcript, with testimony continuing after the initial supporters spoke.
OK
Oklahoma 2026 Regular Session
Senate Legislative Session May 6th, 2026 at 09:30 am
Oklahoma Senate Floor Meeting
Bills:
SR44, HCR1027, SJR50, SJR52, SJR53, HB1185, HB1937, HB2035, HB2137, HB2166, HB3148, HB3323, HB3466, HB3498, HB3661, HB3678, HB3710, HB3977, HB3986, HB4104, HB4108, HB4142, HB4191, HB4274, HB4275, HB4322, HB4336, HB4484, HB3880, HB1687, HB3673, HB1170, HB2959, HB3718, HB3021, HB3443, HB3501, HB4143, HB4326, HB2992, HB3660, SB171, SB1325, SB1980, SB2045, HB4422, HB4423
Keywords:
Medicaid, federal funding, state law, healthcare, low-income adults, Oklahoma Constitution, Oklahoma Health Care Authority, OHCA, health care rules, administrative rules, major rule, Title 75, Title 317, Oklahoma Administrative Code, OAC 317:30, health policy, state health programs, provider regulations, benefits administration, rule approval
OK
Oklahoma 2026 Regular Session
Senate Legislative Session May 5th, 2026 at 09:30 am
Oklahoma Senate Floor Meeting
Transcript Highlights:
- Title 36 is now exempt, and title 36 had to do with insurance code and regulations for premium rates,
- Why was this exempt from title 36? Thank you for the question.
- President, the codes formerly the codes that applied for this, the types of business that applied for
- Will there be debate on a restored title amendment?
- I move to amend House Bill 4326 by restoring the title.
Bills:
SR44, HCR1027, SJR50, SJR52, SJR53, HB1185, HB1937, HB2035, HB2137, HB2166, HB3148, HB3323, HB3466, HB3498, HB3661, HB3678, HB3710, HB3977, HB3986, HB4104, HB4108, HB4142, HB4191, HB4274, HB4275, HB4322, HB4336, HB4484, HB3880, HB1687, HB3673, HB1170, HB2959, HB3718, HB3021, HB3443, HB3501, HB4143, HB4326, HB2992, HB3660, SB171, SB1325, SB1980, SB2045, HB4422, HB4423
Keywords:
Medicaid, federal funding, state law, healthcare, low-income adults, Oklahoma Constitution, Oklahoma Health Care Authority, OHCA, health care rules, administrative rules, major rule, Title 75, Title 317, Oklahoma Administrative Code, OAC 317:30, health policy, state health programs, provider regulations, benefits administration, rule approval
TX
Transcript Highlights:
- road standards already in the code without...
- All right, and we know and we move this to the disaster code to follow the other. disaster code changes
- Alabama, and she didn't want my help anyway.
- However, some appraisal districts have misinterpreted tax code section.
- treatment under the tax code.
Bills:
SB467, SB325, SB867, SB994, SB1052, SB1237, SB1449, SB1531, SB2063, SB2172, SB2173, SB2520, SB2529, SB2538, SB2541, SJR46, SJR84
Keywords:
SB 467, Texas property tax, ad valorem tax, homestead exemption, residence homestead, fire damage, house fire, destroyed home, temporary tax relief, appraisal district, chief appraiser, local taxing unit, tax rollback, tax refund, Tax Code Chapter 11, prorated exemption, homestead improvement, disaster relief, property tax exemption, residential property
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 2/25/26
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- .<00:37:00.160>
But <00:37:00.320>at <00:37:00.480>the <00:37:00.640>same - <00:37:00.800>
time, <00:37:01.200>I <00:37:01.599>hope <00:37:01.760>that - <00:37:06.079>
I <00:37:06.400>sometimes <00:37:06.960>wonder, <00:37:07.760> - I sometimes<00:37:10.000>
wonder <00:37:10.400>if <00:37:10.640>we <00:37:10.960> - code, all of these other codes.
Keywords:
workforce development, youth employment, internships, mentoring, job opportunities, digital platform, online portal, career pathways, youth workforce, employment and economic development, DEED, general fund appropriation, nonprofit grant, social media outreach, digital outreach, workforce opportunities, teen jobs, young adults, career exploration, Minnesota youth
TX
Transcript Highlights:
- Title V, Chapter 103 of the Civil Practice and Remedies Code, titled Compensation to Persons Wrongfully
- V of the Penal Code.
- So why do we need to go outside of Title V to satisfy this?
- We need to go outside of Title V to satisfy this primarily because we need Title VII.
- So what's in Title VII that you need?
Bills:
HB115
Keywords:
public funds, lobbying, political subdivision, government spending, transparency, HB 115, taxpayer-funded lobbying, local government lobbying, county association dues, municipal lobbying, lobbyist registration, Chapter 305, Government Code Section 556.0056, Local Government Code Section 89.002, county government, city government, injunctive relief, attorney's fees, state association of counties, sheriffs association
Summary:
The Committee on Criminal Jurisprudence reconvened with a quorum present and announced it would likely not vote that night because of confusion over the bill list; members were told a definitive list would be circulated the next morning and a formal meeting would be scheduled later. The chair then heard a series of bills, generally taking testimony and leaving each pending without action. House Bill 1847 would set maximum caseload standards for private attorneys handling indigent criminal appointments through the Texas Indigent Defense Commission; House Bill 2417 would expand compensation eligibility for some wrongfully imprisoned people; House Bill 2813 would require earlier and more specific victim notice of scheduled court proceedings; and House Bill 2309 would expand state and local authority in certain civil asset forfeiture cases involving human trafficking, health care fraud, and organized crime. Each bill was laid out by its author or a member, with no opposition witnesses registered, and each was left pending.
The committee also heard House Bill 4733, which would require sealing records for people acquitted of charges when they were not convicted on the related allegation; House Bill 2328, which would modernize expunction service by encouraging electronic notice, setting a standardized fee when electronic service is unavailable, extending clerk retention of expunction orders, and preserving certain mental health commitment orders; and House Bill 115, which would revise Texas’s “junk science” post-conviction writ law by providing counsel, changing the relief standard, requiring written decisions, and easing procedural barriers. Testimony on HB 2328 was mixed: county clerks supported the bill as a cost-saving modernization, while legal advocates warned that permanent retention of expunction orders could undermine true expunction and create privacy risks. HB 115 drew support from innocence and defense organizations, with some concern about a provision affecting subsequent writs. All were left pending after testimony.
Later, the committee heard House Bill 2046, which would allow affirmative family-violence findings for any Penal Code offense rather than only Title V offenses; testimony from a Dallas County prosecutor and a committee member emphasized that family violence can involve arson, burglary, fraud, and other non-Title V conduct, and the bill was left pending. House Bill 1765 would tighten restrictions on no-knock warrants by requiring higher-level approval, judicial review, and identifiable officers; members discussed the dangers highlighted by the Harding Street raid and similar incidents, and the bill was also left pending. The meeting ended with the chair noting that some bills had been removed from the agenda at the author’s request and that members should be prepared to finalize the vote list the next day.
TX
Texas 89th 2nd C.S.
Trade, Workforce & Economic Development Mar 19th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- If the tenant does not respond, we begin the foreclosure process as defined by the Texas Property Code
- This property code was written in 1983, 41 years ago.
- Texas Property Code empowers HOAs to issue unlimited fines and even foreclose on homes.
- Currently, the tax code defines a rental as up to 180 days, but the Business and commerce code contradicts
- CDW coverage for the full rental period up to 180 days, just like the tax code already allows.
Bills:
HB 186
Keywords:
public funds, lobbying activities, political subdivisions, government expenditure, transparency, local government, political subdivision, county, city, municipality, special district, taxpayer-funded lobbying, lobbying restriction, registered lobbyist, government association, county association dues, Texas Legislature, injunctive relief, attorney's fees, Chapter 556
TX
Texas 89th Regular
Pensions, Investments & Financial Services May 12th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- notes or short-term versions of bonds, and so they aren't covered under the same section of the tax code
- Those are all under the Local Government Code 271.056, 1, 2, and 3, and it provides a fourth...
Keywords:
SB 512, Texas Finance Code, money transmission, money services business, money transmitter, money transmission licensee, terms of service, consumer protection, civil penalty, attorney general enforcement, account closure, refund of balance, financial services regulation, payments industry, fintech, prepaid accounts, remittance, licensee compliance, local government debt, municipal finance