Video & Transcript : 'suspicious transaction' :
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FL
Transcript Highlights:
- The substitute amendment clarifies the daily transaction limit applies whether the transactions are through
- The substitute amendment clarifies the daily transaction limit applies whether the transactions are through
- The definition of daily transaction limit is updated accordingly.
- Right now, it's the only way for people who transact primarily in cash to purchase cryptocurrency.
- Right now, it's the only way for people who transact primarily in cash to purchase cryptocurrency.
Committee:
Senate Banking and Insurance
Summary:
The Senate Committee on Banking and Insurance met with a quorum present and took up a series of bills, beginning with SB 1286, which expands Florida’s first responder recruitment bonus program to include newly employed firefighters, creates a DFS grant review panel, and establishes a PTSD institute within DFS. Supporters from the fire service and local government spoke in favor, and the bill was reported favorably.
The committee then considered SB 198 on virtual currency kiosks. After adopting a substitute amendment, members heard testimony from consumer advocates, industry representatives, and credit unions about scam prevention, elder financial exploitation, and the need for regulatory certainty. The bill was reported favorably as a committee substitute. Members also approved SB 772, which allows limited licenses for portable electronics and eyewear insurance, and SB 1504, which creates a pathway for high school students to qualify for insurance customer representative licensure through insurance and personal finance coursework.
Later, the committee approved SB 1038 and SB 1040, which together create a Florida Strategic Cryptocurrency Reserve and the related trust fund, both with technical amendments. SB 1440, dealing with public records exemptions tied to cybersecurity events and financial regulation, was also reported favorably after amendment. The committee then heard SB 1668 on the NICA program, with testimony both supporting solvency reforms and raising concerns about benefits and retroactivity; the bill was reported favorably. Finally, SB 570 created a task force on payment scams under DFS, was amended to reduce FDLE staffing requirements, and was reported favorably. The meeting ended after senators requested to be recorded as voting in the affirmative on certain bills and the committee adjourned.
KY
Kentucky 2026 Regular Session
House Legislative Session Day 50 (3-19-26)
Kentucky House Floor Meeting
Transcript Highlights:
- Second, they say, "Well, they like to weed out suspicious activity."
- Second, they say, "Well, they like to weed out suspicious activity."
- Now, the exceptions are suspicious wagering activity.
- what bet is suspicious and what is not?
- to foreign transactions in the Commonwealth.
US
US Federal 2025-2026 Regular Session
Business meeting to consider an original bill entitled, "GENIUS Act of 2025", and S.875, to curtail the political weaponization of Federal banking agencies by eliminating reputational risk as a component of the supervision of depository institutions. Mar 13th, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- bill lacks basic national security protections that, again, apply to every other type of financial transaction
- bill gives Elon Musk the chance to issue his own ex-money currency, monetize our most sensitive transactions
- Whether it's improving transaction efficiency, freeing up working capital, or driving U.S.
- Colombia where payments don't exist and you don't have the ability to transact.
- Most crypto transactions are publicly preserved on the blockchain, so there's an opportunity to monitor
Bills:
SB875
Keywords:
banking regulation, federal agencies, reputational risk, financial services, supervision, FIRM Act, bank supervision, depository institutions, federal banking agencies, FDIC, OCC, Federal Reserve, NCUA, CFPB, credit unions, Operation Choke Point, financial discrimination, safety and soundness, supervisory guidance, examination manual
Summary:
This meeting focused on the markup of the Genius Act and the FIRM Act, two significant pieces of legislation addressing stablecoin regulation and the financial industry's regulatory framework. The Chairman noted the importance of providing clarity to the digital asset community and protecting American consumers, while also promoting innovation and competition within the financial sector. Members of both parties expressed varying viewpoints, with some highlighting concerns related to national security and the potential risks associated with stablecoins.
OK
Committee:
House Business
Keywords:
corporation, corporate governance, business entities, Oklahoma General Corporation Act, limited liability company, LLC, shareholder rights, beneficial owner, controlling shareholder, control group, interested director, fiduciary duty, books and records inspection, corporate records, ratification, defective corporate acts, putative stock, stock issuance, treasury shares, rights and options
WA
Transcript Highlights:
- require scrap metal businesses to include photographs in their records of non-ferrous metal property transactions
- individuals, and it would require scrap metal businesses to upload information from their records of transactions
Bills:
SB5906 , SJM8014 , SB6087 , SB5520 , SB6017 , SB5890 , SB6239 , SB5886 , SB6190 , SGA9255 , SGA9256 , SGA9271 , SGA9272
Committee:
Senate Law & Justice
Keywords:
data protection, personal safety, public accommodation, Washington residents, privacy, crime investigation, violent death, Aysenur Ezgi Eygi, state inquiry, public safety, children's items, donations, charitable donations, nonprofit, religious organization, public health agency, liability shield, gross negligence, intentional misconduct, car seats
WA
Washington 2025-2026 Regular Session
Senate Pro Forma Floor Session Jan 22nd, 2026 at 12:30 pm
Washington Senate Floor Meeting
Keywords:
employment eligibility, firefighters, law enforcement, citizenship, legal authorization, public safety, mortgage lending, fraud, prosecution, financial regulations, consumer protection, broadband, infrastructure, loan assistance, economic development, technology access, criminal offense, fingerprinting, state regulations, SB 5280
FL
Florida 2025 Regular Session
Children, Families, and Elder Affairs Mar 4th, 2025
Transcript Highlights:
- The families say this is really suspicious was a big, you know, Apple Purchase or Google Purchase.
- And then the family has, yes, that suspicious stopped right there.
- If some transactions already happened, then immediately there can be an injunction to stop those assets
- So then persons who are named as her agents and or power of attorney learn of these transactions, okay
- And at that point, there's going to be a pause in that transaction.
CA
California 2025-2026 Regular Session
Senate Privacy, Digital Technologies, and Consumer Protection Committee Apr 13th, 2026
Privacy, Digital Technologies, and Consumer Protection
Transcript Highlights:
- are ...victim's corner in the transaction of assuring that their rights are upheld.
- Obviously, there's nothing inherently suspicious about buying water, and it was the person's apparent
- Most cops are pretty suspicious of other people.
- Most cops are pretty suspicious for other people.
- Suspicious. And, yeah. Anyway, more to follow. So, okay. Thank you, Senator Arunberg.
Summary:
The committee heard several privacy, technology, and public safety bills. SB 898 would require manufacturers of connected consumer products to disclose how long software support will last and to notify consumers when support is nearing its end; Consumer Reports supported the measure, while members raised concerns about private enforcement, notice mechanics, and replacement obligations for leased devices. The bill was amended and passed 5-1 to Judiciary, with the measure placed on call.
SB 1279 would authorize Long Beach to install additional speed safety cameras on Pacific Coast Highway under the same privacy and equity guardrails as the existing pilot program, including limits on data use, no facial recognition, warning periods, and reduced fees for low-income recipients. Supporters cited severe crashes and fatalities on PCH, while opponents raised civil liberties and due process concerns and questioned how the system identifies the actual driver. The committee approved the bill 6-2 and placed it on call.
SB 1111, the Artificial Intelligence Abuse Protection Act, would create civil remedies for non-consensual AI voice, image, and video cloning and digital replicas. Support came from SAG-AFTRA and Common Sense Media, and members discussed concerns about background images and employer liability, including a request to preserve a rebuttable presumption for good-faith employers. The bill passed 7-1 to Public Safety and was placed on call. SB 1217 would create a DOJ-run clearinghouse for survivors of non-consensual intimate imagery and deepfakes to request removal from online platforms; survivors and advocacy groups testified in strong support, and members discussed privacy, cybersecurity, funding, and the lack of a private right of action. It passed 8-0 to Public Safety and was placed on call.
The committee also heard SB 1095, which would require fusion centers and participating agencies to adopt MOUs barring use of sensitive personal information for immigration enforcement or racial/identity profiling, require annual reporting, and allow audits and inspections. Supporters argued fusion centers have operated with too little oversight and have been used to circumvent state privacy and immigration laws; some members supported the transparency goals while others raised concerns about operational ambiguity and the bill’s interaction with existing law. The discussion continued, with the author and members debating the scope of permissible information sharing and enforcement consequences for violations.
CA
California 2025-2026 Regular Session
Senate Privacy, Digital Technologies, and Consumer Protection Committee Apr 13th, 2026
Privacy, Digital Technologies, and Consumer Protection
Transcript Highlights:
- are upheld. ...victim's corner in the transaction of assuring that their rights are upheld.
- Part of this suspicious activity reporting program that they developed was intended and did undermine
- Obviously, there's nothing inherently suspicious about buying water, and it was the person's apparent
- Most cops are pretty suspicious of other people.
- Suspicious. And, yeah. Anyway, more to follow. So, okay. Thank you, Senator Arunberg.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, March 19, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- </c> alerted his handler of suspicious alerted his handler of suspicious luggage<00:37:42.000><c> belonging
- They have pseudonymous positions that allow them to be secreted within the transaction.
- </c> transaction. It's called pseudonymity. transaction. It's called pseudonymity.
- And the way you prevent it is to have a third entity involved in this transaction. A third entity.
- </c> involved in this transaction. involved in this transaction.
AZ
Arizona 2026 Regular Session
06/01/2026 - Joint Legislative Audit Committee
Joint Legislative Audit Committee
Transcript Highlights:
- The Auditor General found 34% of transactions... ...against fraud.
- In fiscal year 2023, when we pulled a sample of 40 transactions, we identified that one transaction for
- We questioned costs for this specific transaction, which were $41,05.
- We questioned costs for this specific transaction, which were $41,05.
- So, the oversight of failures from ADE, inadequate review of suspicious transactions, unresolved conflicts
Committee:
Joint Joint Legislative Audit Committee
Summary:
The committee first heard an update on Topok Elementary School District’s long-running noncompliance with Arizona’s Uniform System of Financial Records. The Auditor General’s office explained the USFR noncompliance process and reported that Topok had made substantial progress, correcting many deficiencies in areas such as open meeting law, procurement, payroll, attendance reporting, property control, and information technology. The district’s superintendent and staff described the corrective actions they had taken, the use of outside consultants, and their plan to maintain compliance through stronger leadership, training, and consistent procedures. Members praised the district’s progress and asked about the remaining deficiencies and the status of the 3% state-aid withholding, which the Auditor General said would be addressed by the State Board of Education.
The committee then considered a request for a fourth school safety special audit, tied to concerns raised by Representative Martinez about Phoenix Union High School District and school violence response practices. The Auditor General said the proposed audit would be a new topic focused on policies and procedures for responding to credible threats of violence and allegations of staff misconduct affecting student safety, and could include Phoenix Union in the sample. Representative Martinez described a fatal 2024 shooting, weapons incidents, and concerns about district oversight. The committee approved the motion 10-0.
Next, staff presented the fiscal years 2027-2028 school district performance audit schedule, describing 26 randomly selected school districts and career and technical education districts, plus 84 planned follow-ups. The Auditor General said the schedule is intended to shorten the average time between audits and that the school audits division is now fully staffed. Members asked about county coverage and the inclusion of ESA accountability, but the schedule was ultimately presented for review rather than approval.
The committee also heard a detailed federal compliance audit presentation on the Child Care and Development Fund (CCDF) administered by DES. The Auditor General reported repeated findings involving missing provider documentation, questioned costs, and FFATA reporting errors, including a 2024 sample that led to questioning $2.88 million in costs. The office recommended stronger documentation, record retention, reporting procedures, and staff training; DES concurred and said it would correct the findings in 2026. Members discussed the limits of the single-audit scope, the possibility of a broader special audit, and the federal government’s recent actions on CCDF oversight in other states. Finally, the committee considered and discussed a special audit request for CCDF that would broaden review to provider oversight, licensing, site visits, and billing accuracy across multiple state agencies, with estimated costs of $547,000 to $625,000 and a projected report date of July 31, 2027.
NY
Transcript Highlights:
- An act to amend the banking law in relation to require license cashers of checks to file suspicious activity
- Discussions of check cashers to file suspicious activity reports.
- sponsored by Senator Sanders, an act to amend the Banking Law in relation to asset-based lending transactions
- because we've heard of cases where a county clerk really was thinking you might have been a little suspicious
Committee:
Senate Banks
Summary:
The Senate Banking Committee met with Chair James Sanders Jr. and reviewed a full agenda of banking-related bills. Early action included approval of a bill requiring licensed check cashers to file suspicious activity reports, and a bill on civil penalties for fraud or misrepresentation in financial products or services, though several members objected to removing the intentionality standard and warned it could broaden enforcement too far and discourage lending in New York. The committee also advanced a bill prohibiting fees for periodic paper statements, a bill on asset-based lending transactions, and a bill requiring reporting of suspected financial exploitation.
Members spent substantial time on a bill regulating automated lending decision tools. The sponsor and chair said the measure would allow AI use but require a human review or appeal if a borrower is denied, while some senators raised concerns about competitiveness for state-chartered banks and possible overlap with existing human oversight. The bill was reported out and referred to the Internet and Technology Committee for further review. The committee also approved a DFS study bill on the financial stability and licensing of the check-cashing industry, with a suggestion that the study also examine risks of expanding the industry.
A major discussion centered on the “Deep Protection Act,” aimed at preventing foreclosures tied to deed theft. The sponsor described cases involving elderly homeowners and fraudulent transfers, while opponents argued the bill was vague, could create unintended consequences or private litigation, and might affect only a small share of mortgages because it applies to state-chartered institutions. The sponsor said the bill would be amended and noted interest in related county clerk reforms. The committee ultimately sent the bill to Judiciary. The final bills addressed mortgage payment schedule fees and unsolicited mail loan checks; both were approved. The meeting ended after the chair emphasized open debate and committee review as part of improving legislation.
AZ
Arizona 2026 Regular Session
06/01/2026 - Joint Legislative Audit Committee
Joint Legislative Audit Committee
Transcript Highlights:
- transactions, unresolved conflicts of interest, and weak safeguards against fraud.
- We found issues in this process in fiscal year 2023 when we pulled a sample of 40 transactions.
- We questioned costs for this specific transaction, which were $41,05.
- We questioned costs for this specific transaction, which were $41,05.
- So: the oversight of failures from ADE, inadequate review of suspicious transactions, unresolved conflicts
Committee:
Joint Joint Legislative Audit Committee
MN
Minnesota 2025-2026 Regular Session
Committee on State and Local Government - 02/18/25
State and Local Government
Transcript Highlights:
- Just as an example, you know, from our everyday lives, if we have suspicious or abnormal credit card
- you know, was this really you that had these transactions?
- or or uh abnormal credit card suspicious or or uh abnormal credit card transactions<01:36:34.840><c>
- </c> opportunity to look into suspicious opportunity to look into suspicious activities<01:36:56.000>
- </c><01:37:05.000><c> that</c> abnormalities or or uh transactions that abnormalities or or uh transactions
Committee:
Senate State and Local Government
FL
Florida 2026 Regular Session
Children, Families, and Elder Affairs Mar 4th, 2025
Children, Families, and Elder Affairs
Transcript Highlights:
- records, and they know who the family members are, notify the family and say, this looks really suspicious
- And then the family can say, yes, that's suspicious. ...stop it right there.
- Okay, so then her sons, who are named as her agents under power of attorney, learn of these transactions
- Transactions, okay? And they start communicating with Tom.
- And at that point, there's going to be a pause in the transaction.
Committee:
Senate Children, Families, and Elder Affairs
Summary:
The Committee on Children, Families, and Elder Affairs met with a quorum and first took up SB 398, which would create a statewide public health awareness campaign through the Department of Elder Affairs on Alzheimer’s disease and related dementias. Senator Burgess said the campaign would focus on early detection, brain health, risk reduction, clinical trial access, and community resources. The committee heard supportive testimony from a caregiver, AARP, the Alzheimer’s Association, and others, with members discussing the need for culturally responsive outreach and continued funding. SB 398 was reported favorably by roll call vote.
The committee then heard SB 106, which would strengthen Florida’s exploitation injunction law for vulnerable adults by allowing service of an unascertainable exploiter through the same communication method used to contact the victim, such as text, Facebook Messenger, or WhatsApp. Senator Martin explained the bill as a way to close a loophole that lets scammers evade traditional service, and witnesses from the Florida Bankers Association and the Florida Bar’s Elder Law Section supported it, describing how the bill could stop ongoing thefts more quickly while preserving due process. Members asked about gift card scams, clerk workload, and the definition of an unascertainable respondent. SB 106 was reported favorably.
The Department of Children and Families then presented an update on the Adoption Benefits for Qualifying Adoptive Employees Program, describing its expansion over time and the current one-time lump-sum benefit structure for eligible adoptive parents. The presentation covered eligibility rules, open enrollment, funding history, and the program’s impact on adoption placements, with members asking why tax collectors were included but other constitutional offices were not, and whether foster relatives could qualify. Finally, the committee considered SPB 7012, a committee bill addressing child welfare workforce shortages, treatment foster care for high-acuity children, and improved data collection on commercially sexually exploited children. The bill would direct DCF to recruit former public safety workers for CPI and case manager roles, create a treatment foster care pilot in two judicial circuits, and require more detailed, analyzable data and capacity studies. The bill drew support from child welfare advocates, with some members urging DCF to return with a more developed framework; it was adopted as a committee bill and reported favorably.
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 25th, 2026
Transcript Highlights:
- This would increase the daily transaction limits. The second amendment is by Chair Walen, CLO 450.
- This would increase the daily transaction limits.
- It would replace the $2,000 daily transaction limit with a transaction limit of $2,500 for new customers
- The second amendment by Chair Wallen, Claude 450, this would increase the daily transaction limits.
- It would replace the 2,000 daily transaction limit with a transaction limit of $2,500 for new customers
Summary:
The Consumer Protection and Business Committee met on February 25, 2026, received a staff briefing on eight bills, and discussed several proposed amendments before taking action on four measures after caucus. The briefing covered bills on insurance disclosure and wildfire risk modeling (SB 5928), travel insurance regulation (SB 6248), wildfire preparedness grants and insurance eligibility (SB 6079), insurance fraud enforcement (SB 6031), assignment of post-loss insurance benefits (SB 6178), mortgage modification safe harbors (SB 5831), real estate marketing restrictions (SB 6091), and virtual currency kiosk consumer protections (SB 5280). Members also asked about the “Beckett’s Law” title amendment and whether amendments to the virtual currency kiosk bill conflicted; staff said the amendments generally could be reconciled, though some policy differences remained.
After recess, the committee deferred action on SB 5928, SB 6079, SB 6031, SB 6178, and SB 5280, and then voted to report Substitute Senate Bill 6248, the Washington Travel Insurance Act, out of committee with a do pass recommendation. Members spoke in support of the bill as a consumer protection measure and a benefit to the travel insurance industry. The committee then reported Senate Bill 5831, the Uniform Mortgage Modification Act, out with a do pass recommendation after members said it would preserve mortgage priority in certain modifications and noted the bill’s title-company-supported change.
The committee next considered Substitute Senate Bill 6091, which would prohibit real estate brokers from marketing residential property to exclusive groups of buyers or brokers except for health and safety reasons. Representative Corey withdrew the amendment naming the act “Beckett’s Law,” and the committee approved the bill on a 13-1 vote with one excused member. The chair and ranking member closed by thanking committee staff for their work, and the meeting adjourned.
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 25th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- This would increase the daily transaction limits.
- It would replace the $2,000 daily transaction limit with a transaction limit of $2,500 for new customers
- The second amendment by Chair Wallen, Claude 450, this would increase the daily transaction limits.
- It would replace the 2,000 daily transaction limit with a transaction limit of $2,500 for new customers
- So instead of being the greater of $5 or 15% of the transaction, the law would not limit those fees;
Committee:
House Consumer Protection & Business
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
MN
Minnesota 2025-2026 Regular Session
Banning cryptocurrency kiosks 2/26/26
Minnesota House Floor Meeting
Transcript Highlights:
- </c> identity verification or transaction identity verification or transaction holding<00:10:40.079><
- You can flag wallets that transaction.
- transactions. participation in crypto transactions. participation in crypto markets<00:28:23.360><c>
- </c> is that most are not cash transactions is that most are not cash transactions and<00:42:12.880><
- So what you're talking transactions.
NH
Transcript Highlights:
- Transactions are typically done remotely, making it hard to identify once a transaction has been completed
- appears much more valid than transaction appears much more valid than it<00:40:10.640><c> might</c><
- I'm not suggesting this is our solution, but blockchain to validate transactions.
- I'm not suggesting this is our solution, but blockchain to validate transactions.
- That agent then secures a buyer, and this is going to be a full cash transaction.
Committee:
Senate Judiciary
TX
Texas 89th Regular
Pensions, Investments & Financial Services Apr 14th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- For the disputed transaction.
- fee on the full amount of the transaction.
- Fees that are charged on these transactions.
- A transaction using technology. Thank you. Mr.
- Brian, you work for the Electronic Transactions Association? Yes.
Bills:
HB245 , HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175
Keywords:
property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees