Video & Transcript Research : 'consumer payments'
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TX
Texas 89th Regular
89th Legislative Session - Second Called Session Aug 15th, 2025
Texas House Floor Meeting
Bills:
HB4, HB1, HB2, HB18, HB19, HB20, HB4, HB1, HB 2, HB20, HB19, HB18, HB 4, HB 1, HB 2, HB 18, HB 19, HB 20
Keywords:
redistricting, congressional districts, Texas Legislature, elections, 2020 Census, disaster response, emergency management, mass fatality, justices of the peace, training programs, emergency manager license, volunteer management, justice of the peace training, criminal history checks, state health services, emergency communication, interoperability, grant program, first responders, state council
NV
Transcript Highlights:
- We saw immediately the benefits: restaurants stayed afloat, workers remained employed, and consumers
- over 90% of restaurants in states where alcohol to go is legal now offer it, and more than half of consumers
- This bill supports workers, responds to consumer demand, and does all of this without compromising public
- You know, what a consumer decides to do after that point, I don't know that we can control that.
- certain industry classifications for purposes of the commerce tax and changes the due date for the payment
Bills:
AB102, AB108, AB117, AB213, AB220, AB221, AB251, AB259, AB331, AB336, AB375, AB379, AB409, AB475, AB476, AB550, AB575, AB594, SB466
Keywords:
emergency medical services, ambulance, licensing, health district, paramedic, training requirements, outdoor education, recreation, grant program, environment, funding, special license plates, vehicle registration, custom plates, state revenue, transportation, public works, prevailing wage, custom fabrication, nonstandard materials
TX
Transcript Highlights:
- represented. which sought to ban the manufacturing and production of cell culture protein to ensure consumer
Bills:
HB 3772, HB 1656, HB 4504, HB 1896, HB 4420, HB 4421, HB 4076, HB 3708, HB 2806, HB 3540, HB 1586, HB 5459, HB 4553, HB 4535, HB 3811, HB 3749, HB 4255, HB 4051, HB 5098, HB 3554, HB 4539, HB 5274
Keywords:
e-cigarettes, health and safety, regulations, directory, penalties, regulation, certification, compliance, manufacturers, FDA, nicotine, mental health, emergency detention, paramedic authority, mental illness, healthcare facility, public health, covenants not to compete, health care practitioners, physicians
MN
Transcript Highlights:
- attorney general's office um one of the really important things that they do in their role protecting consumers
- attorney general's office um one of the really important things that they do in their role protecting consumers
- attorney general's office um one of the really important things that they do in their role protecting consumers
- their important things that they do in their role<01:05:20.880>
protecting <01:05:21.440>consumers - c><01:05:22.319>
protecting Chair Gomez continued: The attorney general's office protects consumers
Keywords:
higher education, college affordability, student aid, state grants, North Star Promise, scholarships, financial aid, Minnesota State, University of Minnesota, Office of Higher Education, tuition relief, work-study, child care grants, hunger-free campus, food insecurity, student parents, pregnant students, parenting students, sexual misconduct, Title IX
TX
Transcript Highlights:
- Customers of water and sewer services in Texas can be encumbered by payment, payment, payment deadlines
- Consumers are not protected from potentially abusive practices.
- House Bill 2867 seeks to reduce the burden that can be incurred by Texans if they miss a payment deadline
- The bill introduces limits on payment fees.
- And sell it to consumers. For us, we're excited as policymakers.
Bills:
HB 1520, HB 1525, HB 1530, HB 1535, HB 2068, HB 2091, HB 2347, HB 2372, HB 2805, HB 2815, HB 2867, HB 3154, HB 3482, HB 3483, HB 3663, HB 3781, HB 3901, HB 3915, HB 4135, HB 4153, HB 4158, HB 4329, HB 4331
Keywords:
Angelina and Neches River Authority, river authority, Sunset Advisory Commission, Texas Sunset Act, Special District Local Laws Code, local government, natural resources, board of directors, director training, board governance, public testimony, open meetings, public information, conflict of interest, ethics, complaint system, general manager, board president, staggered terms, removal of director
TX
Transcript Highlights:
- Without a regulated cap on these fees, consumers are not protected from potentially abusive practices
- utility provides water or water services from charging a late payment fee.
- The late payment period, penalty period, must end on the date the customer pays all past dues to the
- Would if you miss that payment would be 10% of that would be $11. All right thank you.
- These additional structures can effectuate a 10 to 15% lower annual debt service payment.
Bills:
HB1520, HB1525, HB1530, HB1535, HB2068, HB2091, HB2347, HB2372, HB2805, HB2815, HB2867, HB3154, HB3482, HB3483, HB3663, HB3781, HB3901, HB3915, HB4135, HB4153, HB4158, HB4329, HB4331
Keywords:
Angelina and Neches River Authority, river authority, Sunset Advisory Commission, Texas Sunset Act, Special District Local Laws Code, local government, natural resources, board of directors, director training, board governance, public testimony, open meetings, public information, conflict of interest, ethics, complaint system, general manager, board president, staggered terms, removal of director
TX
Transcript Highlights:
- resource to water supply companies. that could then sell it to end-user, commercial, and residential consumers
Bills:
HB1520, HB1525, HB1530, HB1535, HB2068, HB2091, HB2347, HB2372, HB2805, HB2815, HB2867, HB3154, HB3482, HB3483, HB3663, HB3781, HB3901, HB3915, HB4135, HB4153, HB4158, HB4329, HB4331
Keywords:
Angelina and Neches River Authority, river authority, Sunset Advisory Commission, Texas Sunset Act, Special District Local Laws Code, local government, natural resources, board of directors, director training, board governance, public testimony, open meetings, public information, conflict of interest, ethics, complaint system, general manager, board president, staggered terms, removal of director
TX
Transcript Highlights:
- I have the privilege of having sponsored the first Kratom Consumer Protection Act in the nation.
- Thus, providing consumers with vital information about the products.
- They are informed consumers who prioritize their health and well-being.
- I am a kratom consumer, first and foremost. I discovered kratom in 2013.
- I'm from El Paso, Texas, and I'm also a consumer of kratom products.
Bills:
SB31, SB33, SB510, SB871, SB1868, SB2024, SB2166, SB2309, SB2880, SJR27, SJR39, SJR40, SB 31, SB 33
Keywords:
SB 31, Life of the Mother Act, Texas abortion law, medical emergency, reasonable medical judgment, pregnancy complications, maternal health, life-threatening condition, ectopic pregnancy, spontaneous abortion, miscarriage, unborn child, abortion exception, abortion ban, physician liability, health care liability claim, aiding and abetting, Texas Medical Board, State Bar of Texas, continuing medical education
TX
Bills:
SB31, SB33, SB510, SB871, SB1868, SB2024, SB2166, SB2309, SB2880, SJR27, SJR39, SJR40, SB 31, SB 33
Keywords:
SB 31, Life of the Mother Act, Texas abortion law, medical emergency, reasonable medical judgment, pregnancy complications, maternal health, life-threatening condition, ectopic pregnancy, spontaneous abortion, miscarriage, unborn child, abortion exception, abortion ban, physician liability, health care liability claim, aiding and abetting, Texas Medical Board, State Bar of Texas, continuing medical education
AL
Bills:
SB191, HB84, HB79, SB132, HB108, HB109, HB110, HB114, HB118, HB120, HB122, HB124, HB126, HB128, HB129, HB131
Keywords:
postpartum depression, mental health, Medicaid, screening, education, maternal health, Chiropractic, Board of Chiropractic Examiners, license renewal, continuing education, election procedures, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, SB132, Alabama, controlled substances, Schedule I
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Consumer Protection and Professional Licensure Jun 21st, 2026 at 01:00 pm
Joint Committee on Consumer Protection and Professional Licensure
Transcript Highlights:
- Welcome to the Joint Committee on Consumer Protection and Professional Licensure.
- It's caused confusion for consumers It's caused confusion for consumers.
- And the consumer would pay $10.55.
- consumers choose to pay with cash, ensuring that electronic payments remain unaffected.
- Consumers retain full control over their payment method, while restaurants gain a simple tool to streamline
Summary:
The Joint Committee on Consumer Protection and Professional Licensure held a public hearing on two bills: House Bill 5138, concerning consumer protections for cash transactions amid penny scarcity, and House Bill 5036, concerning consumer information related to tariffs. Chairs Tackey Chan and Senator Payano opened the hearing, noted the committee’s one-year anniversary, reviewed procedures, and explained that the Senate and House were both in session, with Senator Payano prepared to take over if needed. The committee heard from several industry and legislative witnesses, and the hearing was eventually closed by motion and voice vote.
Supporters of H. 5138, including Senator Paul Feeney, the Massachusetts Package Stores Association, the Massachusetts Restaurant Association, and the New England Convenience Store and Energy Marketers Association, said the bill would create a clear statewide rounding standard for cash transactions if pennies become scarce. They argued it would improve operational efficiency, reduce confusion, provide legal clarity, and protect businesses and consumers by requiring notice and limiting the rule to cash payments. The Retailers Association of Massachusetts also supported the concept but suggested amendments, including changing mandatory rounding language to allow flexibility and clarifying that taxes and fees would not be affected.
Witnesses were largely opposed to H. 5036. The Retailers Association, the New England Convenience Store and Energy Marketers Association, and the Massachusetts State Auto Dealers Association said tariff-related shelf or price disclosures would be difficult or impossible to implement because tariff costs change frequently and are hard to trace through complex supply chains. Auto dealers emphasized the challenge of calculating tariff impacts across thousands of vehicle parts and models, while retailers said the proposal would add burdens and could increase costs. No votes on the bills were taken during the hearing; the only formal action was adjournment of the hearing after testimony concluded.
MN
Minnesota 2025-2026 Regular Session
Committee on Health and Human Services - 03/11/25
Health and Human Services
Transcript Highlights:
- Even though the payment to the provider.
- No for-profit insurer is receiving reinsurance payments.
- No for-profit insurer is receiving reinsurance payments.
- group and individual market consumers group and individual market consumers customers<00:42:32.880
- reinsurance program with direct consumer reinsurance program with direct consumer subsidies.<01:
NH
New Hampshire 2025 Regular Session
Fiscal Committee (11/21/2025)
Transcript Highlights:
- <00:21:22.240>
Our Crease, the consumer advocate. Our Crease, the consumer advocate. - Is there any kind of payment they pay, any sort of payment you get from people that have been defended
- Is there any kind of payment they pay, any sort of payment you get from people that have been defended
- Is there any kind of payment they pay, any sort of payment you get from people that have been defended
- Is there any kind of payment they pay, any sort of payment you get from people that have been defended
Summary:
The Fiscal Committee met on Friday, November 21st and first approved the October 17th minutes, with one member abstaining because she was not present. The committee then adopted the remainder of the consent calendar after removing two items for separate consideration. On tab four, members discussed item 25282 with the Commissioner of Administrative Services and Public Works staff; the project had been delayed after testing revealed design errors and flaws, and the committee was told the work would restart with test piles the following week and was projected for completion in fall 2027. The item was approved.
On tab five, item 25279 concerned a Health and Human Services facility project and a federally required element added late in the process. Commissioners explained that the project had originally been funded at $21 million, later required additional financing, and that the legislature had recently lifted a restriction so non-ARPA funds could be used. They also said the sale of the existing Manchester property would not be needed to complete the build, that a broker RFP was about to be issued, and that any sale would require further approvals. The committee approved the item.
The committee then approved item 25280 after a brief exchange about rainy day fund estimates and prior budget assumptions, and approved item 25278 without discussion. Item 25272 drew questions about the consumer advocate’s RFP for outside utility-rate-case assistance; the office said it eliminated proposals focused only on return on equity work after the Eversource decision, selected a Michigan firm for spreadsheet and operating-cost analysis, and noted there were no in-state firms doing this specialized work. The committee approved the item, with one member recorded in opposition.
On tab nine, item 25261 concerned a new judicial council budget obligation tied to legislation and public defense staffing needs. The presenter said the request reflected a late-added obligation from the judicial branch, that more requests may still be needed, and that public defense staffing was strained by vacancies and competition from Massachusetts. The committee approved the item. Under informational items, members received an update on 529 plan distributions and on interest and dividends tax refunds, with Revenue Administration saying roughly $21 million more in refunds remained and that the repeal-related refunds were nearly finished. The committee also noted an environmental services item for which questions would be submitted separately. The next meeting was set for December 19th at 11:00 a.m., and the committee adjourned.
AL
Alabama 2026 Regular Session
Alabama House Financial Services Committee Jan 28th, 2026
Financial Services
Transcript Highlights:
- <00:15:03.279>
stable allowed to issue pay payment stable allowed to issue pay payment stable - They're called permitted payment coins.
- They're called permitted payment stable<00:15:05.839>
coin <00:15:06.000>issuers. - So, what would you say the consumer acceptance has been of all of it, digital crypto? Yeah.
- <00:19:37.360>
acceptance would you say the consumer acceptance would you say the consumer
Keywords:
income tax credit, tax incentive, recruitment, remote work, remote worker, recruited worker, rural counties, small counties, county population tiers, opportunity zone, teacher recruitment, nurse recruitment, law enforcement recruitment, workforce development, economic development, relocation incentive, Alabama Department of Revenue, nonrefundable tax credit, tax carryforward, state income tax
MN
Minnesota 2025-2026 Regular Session
House State Government Finance and Policy Committee 4/1/25
State Government Finance and Policy
Transcript Highlights:
- <00:26:01.559>
became <00:26:01.840>more facing consumers became more facing consumers - We appreciate the inclusion of the provision allowing state agencies to withhold payments to a program
- <01:18:39.120>
to <01:18:39.320>a <01:18:39.480>program withhold payments to - withhold payments from uh from<01:19:59.120>
folks <01:19:59.360>who <01:19:59.560> - and are subject to uh lawsuit payments and are subject to uh lawsuit so<01:20:14.360>
this <01
Keywords:
HF627, fiscal note, fiscal notes, Minnesota Legislature, state government, committee procedure, ranking minority member, minority party, standing committee, Ways and Means, Finance Committee, legislative process, budget analysis, fiscal impact, Minnesota Statutes 3.98, committee chair, legislative transparency, HF474, Hubert H. Humphrey, Henry Mower Rice
HI
Hawaii 2026 Regular Session
CPN DEFER, CPN-HOU, CPN, CPN-EDT Public Hearings 02-03-2026
Commerce and Consumer Protection
Transcript Highlights:
- Committees on Commerce and Consumer Committees on Commerce and Consumer Protection<00:01:55.840>
- <01:11:09.120>
We of commerce and consumer affairs. We of commerce and consumer affairs. - office<01:12:18.560>
of <01:12:18.719>consumer uh clarifies that office of consumer - for the Office of Consumer Protection. for the Office of Consumer Protection.
- for consumers to be able to decipher? for consumers to be able to decipher?
Keywords:
combat sports, boxing, mixed martial arts, health regulations, safety standards, licensing, event regulation, 912, senate, all
Summary:
The committees first took up SB 2071 on rent-to-own housing. Testimony was generally supportive from HHFDC and Hawaii Realtors, but Sierra Club of Hawaii and others opposed the bill unless it was amended to exclude ceded lands from the 99-year lease provision. Members discussed the scope of ceded versus non-ceded lands and whether an inventory exists. The committees ultimately recommended passage with amendments, including HHFDC’s proposal to make the fixed-price period flexible by tying it to an option period and Sierra Club’s language limiting the program to non-ceded state or county land.
They then heard SB 2191 on limited profit housing associations. HHFDC supported the measure, while the Tax Foundation of Hawaii and the Office of the Auditor urged caution about tax exclusions and asked for clearer, more targeted limits and measurable outcomes. The committees adopted amendments to add a statement of purpose, include measurable metrics, apply the tax provisions to taxable years beginning after December 31, 2025, and delay the effective date to allow for administrative changes. SB 2191 was recommended for passage with amendments.
The committees also considered SB 2197, which would have replaced the five-year fixed-price period in rent-to-own housing with an option period set by HHFDC, but deferred it indefinitely because its issues were addressed in SB 2071. SB 2180 on deposits of public funds drew comments from the Hawaii Bankers Association questioning definitions and noting banks are already subject to Community Reinvestment Act requirements; decision-making was deferred to the next day in the CPN committee and to a later date for the housing committee. Finally, SB 2210 on housing discrimination received support from disability advocates and the Hawaii Civil Rights Commission, which asked for one additional investigator; the committees passed it with amendments adding a blank appropriation for one full-time position and planned to notify Ways and Means for possible re-referral.
MN
Minnesota 2025 1st Special Session
Committee on Agriculture, Veterans, Broadband and Rural Development - 04/02/25
Agriculture, Veterans, Broadband, and Rural Development
Transcript Highlights:
- And or does it cover consumers that are wanting to buy raw milk or direct from the farmer?
- So, um, it really doesn't address consumers. We would consider that a retail sale.
- So, um, it really doesn't address consumers. We would consider that a retail sale.
- So, um, it really doesn't address consumers. We would consider that a retail sale.
- Um, on the payment could be made.
KY
Kentucky 2026 Regular Session
House Standing Committee on Banking and Insurance. (3-18-26)
Banking & Insurance
Transcript Highlights:
- In this consideration on buying down, could it also be part of the down payment?
- If it's a 5%, 10%, or 20% down payment, could this be included in that if they're putting cash in?
- So, what is your typical down payment in today's market? Has that changed any?
- In today's world, it's very difficult for consumers to really accumulate a true 20% down payment.
- process to make their payments less.
HI
Hawaii 2025 Regular Session
CPC Public Hearing - Tue Mar 25, 2025 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- We are convening the Committee on Consumer Protection and Commerce.
- I I realize non-payment is an insurance.
- <00:48:29.440>
So consumers are c employer customers. - So consumers are c employer customers.
- Thank consumer focused um working group.
Summary:
The Committee on Consumer Protection and Commerce heard testimony on several measures. SB 1402, relating to vessels in state commercial harbors, drew opposition from Captain Andy Sailing Incorporated, and later the committee agreed to amend the bill to exempt tour boat operators before passing it. SB 1411, relating to Medicaid third-party liability, received strong support from the Department of Human Services, which asked that the effective date be restored to upon approval. SB 1438, relating to home care agencies, was supported by the Department of Health and one individual testifier, with the department arguing that unlicensed personnel performing skilled nursing services puts kupuna at risk. The committee later moved that bill forward with a clean date.
SB 1449, relating to prior authorization of health care services, drew support from the Hawaii Medical Association and comments from the Hawaii Association of Health Plans and HMSA. Health plans asked that reporting requirements align with upcoming CMS regulations, and HMSA noted the work of the stakeholder process. The committee discussed the bill as consumer-focused and adopted amendments to add laboratory and diagnostic tests and to require the working group’s first report before the 2026 session and before each session thereafter. SB 1291, relating to certified public accountants, received support from the Board of Public Accountancy, the Hawaii Society of CPAs, Hong Consulting LLC, and Ron Heler, who said it was substantially the same as a previously passed House bill and would help increase the CPA pipeline in Hawaii.
The committee also heard SB 752, relating to insurance, with opposition and comments from the Hawaii Insurance Council and Liberty Mutual, which requested amendments on non-payment of premiums, material misrepresentation, and limiting the bill to homeowners insurance. Greg Mskian testified in support but urged clearer notice and denial explanations for homeowners. SB 385, relating to condominiums, drew support from Hawaii Realtors and detailed comments from Ray Tenno and Greg Mskian about making governing documents available online or by email to owners and agents, with discussion of website costs and access. Finally, SB 140, relating to invasive species, received support from the Department of Land and Natural Resources and CAPS, while the Department of Agriculture offered comments and proposed streamlining language; supporters emphasized firewood treatment standards and the need to prevent invasive pests. After a brief recess, the committee took votes on several measures, adopting the chair’s recommendations on SB 1402, SB 1411, SB 1438, SB 1449, and SB 1291.
NH
New Hampshire 2025 Regular Session
House Ways and Means (01/21/2025)
Transcript Highlights:
- <01:04:52.160>
um payments and those estimated payments um payments and those estimated payments - consumed.
- consumed.
- of make a payment to us.
- or dish payments share Hospital payments or dish payments is<02:10:09.719>
sometimes <02:10:09.960
Summary:
The committee received an overview from Chris of the Legislative Budget Assistance Office on how it will estimate unrestricted revenues for the General Fund, Education Trust Fund, Highway Fund, and Fish and Game Fund. He explained that the committee’s work is based on current law, not pending bills, and that the estimates will feed into a House resolution and an amendment to House Bill 1, the operating budget. He also described the broader budget process, including how House and Senate estimates are reconciled, how surplus statements account for revenue changes from enacted bills, and how a committee of conference could resolve differences later in the session. No votes were taken.
Members then asked about why the Education Trust Fund was running below plan. Chris said the shortfall appeared to be driven largely by business taxes, including differences in the BET/BPT split and improved tax-processing systems that better track where business tax payments belong. Representative Orr also asked about tobacco tax collections and out-of-state sales; Chris said tobacco revenue was likely overestimated in 2023 based on COVID-era patterns, with more people smoking at home, and noted that e-cigarette tax revenue goes to the General Fund while cigarette taxes are split between the General Fund and Education Trust Fund. He said he did not have a specific estimate for cross-border sales.
Commissioner Lindsay St. Pierre of the Department of Revenue then began a deeper dive into the department’s role and the taxes it administers. She reviewed the department’s mission, organizational structure, taxpayer services, and the tax policy and legislative analysis staff who prepare fiscal notes and testify on bills. She noted that the department administers about $2.9 billion in revenue across major taxes such as business taxes, meals and rooms, and utility property tax, and that the figures being discussed were preliminary because the annual report had not yet been issued. The discussion was informational only, with no formal action taken.