Video & Transcript Research : 'refund'

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HI

Hawaii 2025 Regular Session

HED Public Hearing - Wed Feb 12, 2025 @ 2:00 PM HST

Higher Education

Transcript Highlights:
  • Ted Bolan and members of the committee Ted Bolan for<00:28:02.360> Hawaii<00:28:02.640> refund
  • <00:28:02.919> ocean<00:28:03.240> Coalition<00:28:03.679> in for Hawaii refund
  • ocean Coalition in for Hawaii refund ocean Coalition in strong<00:28:04.279> support<00:28:05.240
Keywords: 910, house, all
Summary: The House Committee on Higher Education heard several measures focused on health, environment, and research. HB 970 would allow chiropractic students to participate in clinical practice under direct supervision; the Hawaii Board of Chiropractic offered comments and asked for a delayed implementation date until July 2027 to allow time to adopt rules, while the Hawaii State Chiropractic Association supported the bill. Members also discussed that there are currently no chiropractic schools in the state. The committee then heard HB 1185, which creates a plant-based building materials working group, and HB 1337, which establishes an endemic plant seed bank pilot program. Supporters of HB 1185 said the bill could help create green jobs and reduce greenhouse gas emissions by developing materials such as bamboo, hempcrete, and bio-cements, with questions raised about in-state processing. For HB 1337, witnesses supported the goal of preserving endemic species but said a large-scale refrigerated storage and seed-production facility would be needed; one witness estimated startup costs of about $6 million for one island and noted existing seed banks are small-scale and not designed for reforestation. HB 1300 would fund a University of Hawaiʻi Cancer Center multi-ethnic cohort study on cancer disparities among Native Hawaiians, Pacific Islanders, Filipinos, and Asians, including environmental and social factors such as proximity to landfills. The Cancer Center, ACS CAN, and labor representatives supported the bill, emphasizing health disparities and concerns about landfill exposure; committee members asked about federal funding, and the Cancer Center said it would pursue NIH, private, and foundation support, with the state share described as $500,000 per year for two years. HB 736 would create a wastewater technology testing pilot program at the Water Resources Research Center; supporters said it could help certify cheaper alternatives to costly cesspool and septic upgrades, and the Department of Health supported the measure. The committee also heard HB 531, which authorizes special license plates for the Cancer Center; supporters said it would raise visibility and funds, and the Cancer Center estimated revenue would likely be under $100,000. No votes or final actions were taken in the portion of the meeting provided.
NH

New Hampshire 2025 Regular Session

House Municipal and County Government (02/04/2025)

Municipal and County Government

Transcript Highlights:
  • It took a little while to straighten this out, and we got a refund.
  • and<04:04:19.159> we<04:04:19.760> got<04:04:19.920> a<04:04:20.279> refund
  • straighten this out and we got a refund straighten this out and we got a refund but<04:04:21.479
  • I mean, Kingston's a wonderful place, especially after they refunded my tax bill, and we're just trying
  • my tax bill and we're just refunded my tax bill and we're just trying<04:31:10.119> to<04:31:
Keywords: 1189, house, all
DE

Delaware 2025-2026 Regular Session

Senate Elections & Government Affairs Committee Meeting Jun 18th, 2026

Elections & Government Affairs

Transcript Highlights:
  • contributions begin and even have an additional period after enrollment to withdraw and receive a refund
Summary: The Senate Elections and Government Affairs Committee met in hybrid format, approved the June 10 draft minutes, and then heard a long agenda of bills. HB 89 (home improvement fraud dispute resolution) was presented as a consumer protection measure developed with DOJ to address contractor fraud, especially against vulnerable homeowners; members voiced support and asked to be added as sponsors. HB 283 updated realty transfer tax exemptions to use gender-neutral “spouses” language and add a direct grandparent-to-grandchild transfer exemption; it drew supportive public comment. HS1 for HB 390 would let DelDOT choose electronic-only bidding for projects, remove newspaper bid-opening notices, and clarify bidding records, with no opposition raised. HB 328/H.A. 2 modernizes the Register of Regulations statute, keeps newspaper distribution requirements, and delays some effective dates to 2027; it was described as a technical update. HB 365 would create the Delaware Indigenous Affairs Commission, prompting supportive testimony from Indigenous community members and some discussion about representation and internal tribal اختلافs, but no formal opposition. HB 423 would automatically enroll new state employees in the 457B deferred compensation plan unless they opt out, with exclusions for collective bargaining units and implementation tied to payroll readiness; it was presented as a retirement-savings measure. SS1 for SB 342 would modernize the Delaware Motion Picture and Television Development Commission to support a broader film/media incentive package, with support from the Delaware Arts Alliance and a request to help attract productions to Delaware. The committee also heard SB 331, a cleanup bill on garagekeeper liens for manufactured housing and related assets. The sponsor and an attorney explained it as clarifying who can recover funds and attorney’s fees in lien sales, but the Chief Magistrate and the manufactured housing association said the issue should be addressed more carefully and possibly in another section of code; they were open to further work. HB 436 would update the Smyrna charter, including school impact fees, election challenge procedures, vacancy rules, domicile standards, Board of Elections terms, and meeting schedules. HS1 for HB 376 made technical and organizational changes to the Millville charter, including a tiebreaker for municipal elections and a property tax cap, with the town solicitor saying there was little substantive change. HB 460 would require New Castle County municipalities to submit permit data monthly rather than on a much slower schedule, limited to closed permits with certificates of occupancy, to improve property assessment data; it was presented as part of broader reassessment/data-quality efforts. Public comment was heard on several items, especially HB 365 and SS1 for SB 342. Indigenous speakers supported the commission as a way to preserve heritage, improve representation, and create a formal seat at the table. The Delaware Arts Alliance supported the film commission modernization bill as part of a broader creative-economy plan. No recorded votes were taken on the individual bills in the transcript, and the meeting ended with a unanimous motion to adjourn.
OK
Transcript Highlights:
  • So, what I would suggest is that maybe instead of just writing me a check or refunding that, maybe you
Keywords: 914, all
FL

Florida 2025 Regular Session

December 2, 2025 - 03:30 PM

Transcript Highlights:
  • So therefore, we already have the mechanism which takes care of refunding any of those fees that and
FL

Florida 2026 5th Special Session

Community Affairs Nov 4th, 2025

Transcript Highlights:
  • This has been very refund. million of Hurricane Michael CDBGDR funding.
Summary: The Committee on Community Affairs met with a quorum present and heard several housing and disaster-recovery items. The committee heard SB 48 by Senator Gates, which would require local governments to allow voluntary accessory dwelling units, preserve homestead treatment for the owner-occupied portion of the property, limit undue parking restrictions, require 30-day minimum rentals, extend certain density bonuses for military families, and allow reusable tenant screening reports. The bill drew strong support from the Florida Association of Mortgage Professionals and several others, and it was reported favorably. The committee also heard SB 34 by Senator Sharif, creating a historic cemeteries program to help preserve historic African-American cemeteries and allow sale of excess vacant land if proceeds are used for long-term maintenance; it was also reported favorably. The committee then considered and recommended confirmation of Fox Henderson to the Board of Directors of the Florida Housing Finance Corporation. Members also received a presentation from the Department of Commerce on the Community Development Block Grant Disaster Recovery program and Rebuild Florida. Deputy Secretary Justin Domer described the state’s administration of HUD disaster recovery funds, including more than $4.3 billion received since 2017, housing repair and replacement programs that have completed 5,271 homes, and infrastructure and mitigation projects such as sewer conversion in Alford, the new Calhoun-Liberty Hospital, and the Florida Keys desalination plant. Members asked about average project costs, contractor oversight, corrective actions for deficient work, and audit procedures; Domer said the department uses inspections, vendor oversight, and financial penalties, and noted stricter contract consequences in newer programs. The Division of Emergency Management also presented on Elevate Florida, a federal mitigation program that allows homeowners to apply directly for elevation, reconstruction, acquisition/demolition, or wind-mitigation projects, with a 75/25 federal-homeowner cost share and no state funds. Director Kevin Guthrie said the program is designed to reduce repetitive flood losses and keep homeowners in place, and that it has received more than 12,000 applications, with about 1,500 prioritized, 500 on a wait list, and 305 submitted to FEMA for final approval. Members asked about the 25% match for seniors, the wait list, contractor procurement, and how projects are classified; Guthrie said the program uses insurance proceeds where available, has competitively procured 27 contractors, and may shift projects from elevation to reconstruction depending on damage and flood rules. The committee adjourned after the presentations and discussion.
FL

Florida 2026 Regular Session

Community Affairs Nov 4th, 2025

Community Affairs

Transcript Highlights:
  • This has been very refund. million of Hurricane Michael CDBGDR funding.
Summary: The Committee on Community Affairs met with a quorum and heard two bills, a confirmation, and two agency presentations. SB 48 by Senator Gates would require local governments to allow voluntary accessory dwelling units, preserve homestead exemption for the owner-occupied portion, limit parking restrictions, require 30-day minimum leases, extend density bonuses for military-family housing, and allow reusable tenant screening reports. The bill drew strong support from the Florida Association of Mortgage Professionals and several others, and it was reported favorably on a unanimous roll call. SB 34 by Senator Sharief would expand the Historic Cemetery Program, particularly to help historic African-American cemeteries preserve and maintain themselves by allowing sale of excess vacant land only if proceeds are used for long-term upkeep; it also passed unanimously and was reported favorably. The committee also recommended confirmation of Fox Henderson to the Florida Housing Finance Corporation Board of Directors by unanimous vote. In addition, the Department of Commerce presented on the Community Development Block Grant Disaster Recovery program and Rebuild Florida, describing more than $4.3 billion in HUD disaster recovery funds since 2017, housing repair and replacement efforts that have completed more than 5,200 homes, and infrastructure and mitigation projects across the state. Members asked about average project costs, contractor oversight, corrective actions for deficient work, and clawbacks from a prior vendor; Commerce said it had ended the earlier vendor relationship, imposed about $3.6 million in financial consequences, and now uses stronger oversight and competitive procurement for contractors. The Division of Emergency Management then presented on Elevate Florida, a federal mitigation program that allows homeowners to apply directly for elevation, reconstruction, acquisition, or wind-mitigation projects, with a 75/25 federal-homeowner cost share and no state funds used. Director Kevin Guthrie said the program is intended to reduce repetitive flood losses, keep homeowners in their communities, and serve as a national model; he reported more than 12,000 applications, about 1,500 prioritized for review, 500 on a wait list, and 305 submitted to FEMA for final approval. Members asked about assistance for seniors who cannot meet the 25% match, the wait-list process, contractor selection, and the mix of project types, and Guthrie said contractors were selected through competitive procurement and that most projects are elevations, though some may become reconstructions or acquisitions depending on inspection results. The committee adjourned after the presentations.
TX

Texas 89th Regular

89th Legislative Session Mar 12th, 2025

Texas House Floor Meeting

Transcript Highlights:
  • HB 1663 by Ashby relating to the credit or refund for diesel fuel taxes paid on diesel fuel use in this
Keywords: 1184, house, all
FL

Florida 2025 Regular Session

Criminal Justice Feb 4th, 2025

Transcript Highlights:
  • IF YOU THINK ABOUT THE PRIOR MODEL WE REFUNDED AT THE HIGH SCHOOL DISTRICT LEVEL SO WHEN THEY GOT THEIR
Keywords: 999, senate, all
MN

Minnesota 2025 1st Special Session

Committee on Agriculture, Veterans, Broadband and Rural Development - 03/21/25

Agriculture, Veterans, Broadband, and Rural Development

Transcript Highlights:
  • remedies, and if a pet is found not fit for breeding, they must provide reimbursement, replacement, or a refund
  • remedies, and if a pet is found not fit for breeding, they must provide reimbursement, replacement, or a refund
  • 01:51:16.639> replacement,<01:51:17.199> or<01:51:17.440> a<01:51:17.719> refund
  • reimbursement, replacement, or a refund. reimbursement, replacement, or a refund.
Keywords: 1187, senate, all
NH

New Hampshire 2026 Regular Session

House Education Policy and Administration (02/18/2026)

Education Policy and Administration

Transcript Highlights:
  • > pro-rated through the school year, how a pro-rated through the school year, how a pro-rated refund
  • refund of their tuition would be made. refund of their tuition would be made.
  • Then the previous speaker spoke to if you go to a new district and what is the refund if you come back
  • Then the previous speaker spoke to if you go to a new district and what is the refund if you come back
  • Then the previous speaker spoke to if you go to a new district and what is the refund if you come back
Keywords: 1189, house, all
TX

Texas 89th Regular

Senate Session Mar 24th, 2025

Texas Senate Floor Meeting

AL

Alabama 2025 Regular Session

Alabama Senate Mar 19th, 2025

Alabama Senate Floor Meeting

Bills: SCR 5, SCR 13, SB 3, SB 6, SB 10, SB 12, SB 13, SB 15, SB 17, SB 18, SB 19, SB 24, SB 35, SB 57, SB 65, SB 112, SB 284, SB 290, SB 388, SB 400, SB 402, SB 412, SB 495, SB 499, SB 502, SB 509, SB 621, SB 706, SB 740, SB 815, SB 842, SB 854, SB 875, SB 893, SB 917, SB 974, SB 1025, SB 1061, SB 1073, SB 1106, SB 1268, SB 1281, SB 1300, SB 1362, SB 1379, SB 1447, SB 1451, SB 1555, SB 1902, SJR 36, SJR 12, SCR 13, SCR 25, SCR 5, SCR 22, SCR 12, SCR 24, SB 495, SB 412, SB 10, SB 18, SB 565, SB 372, SB 842, SB 765, SB 62, SB 19, SB 666, SB 707, SB 888, SB 687, SB 706, SB 847, SB 290, SB 13, SB 1248, SB 740, SB 14, SB 1006, SB 504, SB 917, SB 925, SB 388, SB 1902, SB 1121, SB 995, SB 857, SB 305, SB 296, SB 284, SB 35, SB 6, SB 815, SB 3, SB 1281, SB 1379, SB 1300, SB 1497, SB 1499, SB 1498, SB 1451, SB 1061, SB 15, SB 65, SB 241, SB 304, SB 402, SB 499, SB 621, SB 974, SB 1023, SB 1024, SB 1025, SB 1106, SB 686, SB 112, SB 371, SB 204, SB 400, SB 609, SB 1447, SB 670, SB 502, SB 427, SB 850, SB 854, SB 413, SB 1555, SB 1362, SB 1346, SB 1033, SB 1220, SB 1073, SB 810, SB 987, SB 1539, SB 893, SB 447, SB 875, SB 406, SB 509, SB 985, SB 965, SB 17, SB 1119, SB 1505, SB 12, SB 24, SB 57, SB 1194, SB 1253, SB 1215, SB 1532, SB 1268, SB 1302, SB 856, SB 650, SB 583, SB 673, SB 840, SJR 57, SCR 8, SB 213, SB 681, SB 1172, SB 1252, SB 378, SB 610, SB 918, SB 1343, SB 608, SB 487, SB 955, SB 957, SB 988, SB 990, SB 1019, SB 1021, SB 1120, SB 251, SB 958, SB 535, SB 761, SB 1, SB 541, SB 315, SB 379, SB 1018, SB 1737, SB 266, SB 1415, SB 3, SB 6, SB 15, SB 35, SB 290, SB 706, SB 842, SB 917, SB 1281, SB 1451, SB 1902, SB 12, SB 13, SB 17, SB 19, SB 388, SR 261, SR 265, SR 276, SR 277, SR 281, SR 286, SR 293, SCR 5, SCR 13, SB 2425, SB 2880, SB 10, SB 12, SB 13, SB 17, SB 18, SB 19, SB 388, SB 412, SB 495, SB 2425, SB 2880
TX

Texas 89th Regular

Senate Session (Part II) Mar 19th, 2025

Texas Senate Floor Meeting

Bills: SCR5, SCR13, SB3, SB6, SB10, SB12, SB13, SB15, SB17, SB18, SB19, SB24, SB35, SB57, SB65, SB112, SB284, SB290, SB388, SB400, SB402, SB412, SB495, SB499, SB502, SB509, SB621, SB706, SB740, SB815, SB842, SB854, SB875, SB893, SB917, SB974, SB1025, SB1061, SB1073, SB1106, SB1268, SB1281, SB1300, SB1362, SB1379, SB1447, SB1451, SB1555, SB1902, SJR36, SJR12, SCR13, SCR25, SCR5, SCR22, SCR12, SCR24, SB495, SB412, SB10, SB18, SB565, SB372, SB842, SB765, SB62, SB19, SB666, SB707, SB888, SB687, SB706, SB847, SB290, SB13, SB1248, SB740, SB14, SB1006, SB504, SB917, SB925, SB388, SB1902, SB1121, SB995, SB857, SB305, SB296, SB284, SB35, SB6, SB815, SB3, SB1281, SB1379, SB1300, SB1497, SB1499, SB1498, SB1451, SB1061, SB15, SB65, SB241, SB304, SB402, SB499, SB621, SB974, SB1023, SB1024, SB1025, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB17, SB1119, SB1505, SB12, SB24, SB57, SB1194, SB1253, SB1215, SB1532, SB1268, SB1302, SB856, SB650, SB583, SB673, SB840, SJR57, SCR8, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB3, SB6, SB15, SB35, SB290, SB706, SB842, SB917, SB1281, SB1451, SB1902, SB12, SB13, SB17, SB19, SB388, SR261, SR265, SR276, SR277, SR281, SR286, SR293, SCR5, SCR13, SB2425, SB2880, SB10, SB12, SB13, SB17, SB18, SB19, SB388, SB412, SB495, SB2425, SB2880
FL

Florida 2025 Regular Session

Senate in Session Mar 19th, 2025

Florida Senate Floor Meeting

Bills: SCR5, SCR13, SB3, SB6, SB10, SB12, SB13, SB15, SB17, SB18, SB19, SB24, SB35, SB57, SB65, SB112, SB284, SB290, SB388, SB400, SB402, SB412, SB495, SB499, SB502, SB509, SB621, SB706, SB740, SB815, SB842, SB854, SB875, SB893, SB917, SB974, SB1025, SB1061, SB1073, SB1106, SB1268, SB1281, SB1300, SB1362, SB1379, SB1447, SB1451, SB1555, SB1902, SJR36, SJR12, SCR13, SCR25, SCR5, SCR22, SCR12, SCR24, SB495, SB412, SB10, SB18, SB565, SB372, SB842, SB765, SB62, SB19, SB666, SB707, SB888, SB687, SB706, SB847, SB290, SB13, SB1248, SB740, SB14, SB1006, SB504, SB917, SB925, SB388, SB1902, SB1121, SB995, SB857, SB305, SB296, SB284, SB35, SB6, SB815, SB3, SB1281, SB1379, SB1300, SB1497, SB1499, SB1498, SB1451, SB1061, SB15, SB65, SB241, SB304, SB402, SB499, SB621, SB974, SB1023, SB1024, SB1025, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB17, SB1119, SB1505, SB12, SB24, SB57, SB1194, SB1253, SB1215, SB1532, SB1268, SB1302, SB856, SB650, SB583, SB673, SB840, SJR57, SCR8, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB3, SB6, SB15, SB35, SB290, SB706, SB842, SB917, SB1281, SB1451, SB1902, SB12, SB13, SB17, SB19, SB388, SR261, SR265, SR276, SR277, SR281, SR286, SR293, SCR5, SCR13, SB2425, SB2880, SB10, SB12, SB13, SB17, SB18, SB19, SB388, SB412, SB495, SB2425, SB2880
DE
Transcript Highlights:
  • This resolution provides the official revenue refund and unencumbered funds estimates for fiscal year
  • This resolution provides the official revenue refund and unencumbered funds estimate for fiscal year
Summary: The House convened with a quorum present, opened with a moment of silence for Ted Williams, prayer, and the Pledge of Allegiance. Members then accepted the previous day’s minutes and moved into a series of recognitions, beginning with House Resolution 27 designating June 24, 2026 as Staff Appreciation Day. The resolution was adopted by voice vote, and the chamber spent much of the meeting honoring legislative staff across both caucuses, with members and staff introducing themselves and being recognized for years of service and behind-the-scenes work. The House also recognized staff member Justin, who is leaving for a position with the Delaware State Board of Education, and later gave farewell remarks for Representative Kevin Hensley and Representative Charles Postles, both of whom are retiring. Numerous members spoke in tribute to their service, constituent work, and personal character, and both Hensley and Postles offered remarks thanking colleagues, staff, and family. The House then received communications from the Senate, including several bills and resolutions passed and returned, and a notice of Senate concurrence on other measures. Representative Wilson-Anton made a brief statement explaining her vote on Senate Bill 100 and reaffirming support for marriage equality and related civil rights issues. The chamber also took up Senate Joint Resolution 16 and Senate Joint Resolution 17, which set the official revenue estimates for fiscal years 2026 and 2027; both were read, called to roll, and passed by constitutional majority votes of 37-4 and 40-1, respectively. Finally, the House considered Senate Bill 335, the operating budget for fiscal year ending June 30, 2027. Representative Williams presented the budget on behalf of the Joint Finance Committee, describing major funding items including raises for state and education employees, health insurance and retiree benefit funding, developmental disability services, Medicaid growth, purchase of care, and maintenance of reserve funds. Several members praised the committee’s work, while Representative Shupe said he would vote no, citing concerns about the budget’s 6.3% growth despite appreciating the committee’s effort. After the budget presentation and comments, Leader Harris moved that the House recess for party caucuses, and the House stood in recess until the call of the bell.
CA

California 2025-2026 Regular Session

Senate Business, Professions and Economic Development Committee Jun 22nd, 2026

Business, Professions and Economic Development

Transcript Highlights:
  • And even if they win, a refund does not make them whole. A concert is not a toaster.
  • And even if they win, a refund does not make them whole. A concert is not a toaster.
Keywords: 987, senate, all
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am

Joint Committee on Financial Services

Transcript Highlights:
  • This bill would require credit unions to isolate and potentially refund portions of interchange fees.
  • ...require credit unions to isolate and potentially refund portions of interchange fees based on data
Keywords: 995, all
Summary: The Joint Committee on Financial Services heard testimony on several bills focused on financial security, banking regulation, and payment-card fees. Treasurer Deborah Goldberg supported the Massachusetts baby bonds proposal (H. 48) and also endorsed bills on matched savings (H. 1158/S. 737) and retirement planning/Secure Choice (H. 1143/S. 722), arguing these measures would help address wealth inequality, build assets, and improve retirement readiness. Supporters of baby bonds included policy experts and health advocates from Children’s Health Watch and Boston Medical Center, who said early-life asset building could improve long-term economic and health outcomes for children in low-income families. AARP also urged passage of the retirement planning bill, citing the large share of private-sector workers without access to an employer retirement plan. Representative Donato testified for H. 1143, describing it as a voluntary retirement-savings opportunity for workers at small employers. The committee also heard testimony on H. 3933, concerning the Massachusetts Credit Union Share Insurance Corporation, from former Bank Commissioner Mike Hanson, who defended the state’s full deposit insurance system for credit unions and savings institutions as a longstanding consumer-protection model. The Massachusetts Bankers Association raised concerns about the bill’s technical provisions and broader credit union/bank competitive issues, while the Cooperative Credit Union Association supported related legislation allowing modest compensation for credit union directors (S. 821/H. 1338) and flexibility for state financial institutions to grow through partnerships (S. 723). Bankers opposed those credit union bills, arguing they would upset a level playing field and blur long-standing distinctions between banks and credit unions. A major portion of the hearing focused on H. 1259/S. 688, which would prohibit card interchange fees on the tax and gratuity portions of restaurant transactions. Restaurant owners and the Massachusetts Restaurant Association testified in favor, saying the fees are a significant and growing expense, especially as most customers now pay by card; they argued the bills would save restaurants money without affecting state revenue. Credit union, banking, and payments-industry representatives opposed the bills, saying interchange helps fund fraud protection and payment infrastructure, that the proposal would create compliance burdens and likely litigation, and that it would mainly affect Massachusetts-chartered institutions while national banks could be preempted. Committee members noted that a commission on payment-card fees is being established and said the issue would be studied further. The hearing also included support for a separate bill on virtual credit cards for dental providers, with dentists saying automatic virtual-card payments impose hidden processing fees and fraud risks.