Video & Transcript Research : 'consumer transactions'
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CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 065 Mar 20th, 2026
Colorado House Floor Meeting
Transcript Highlights:
- transactions solely involving other than transactions solely involving destructive<01:31:43.760>
- be made at the time of the transaction be made at the time of the transaction in<01:31:47.040>
exchange that conducted the transaction exchange that conducted the transaction 153<01:32:29.280 - Uh, the proposed transaction logs.
- transaction records after seven years. transaction records after seven years.
Summary:
The House convened with a quorum, approved the journal as corrected, and then proceeded out of order to memorials. House Memorial 1002, honoring former Representative Carl Eugene Miller of Leadville, was read and adopted unanimously, 63-0 with two excused. Speakers highlighted Miller’s service as a miner, Army veteran, Lake County commissioner, state representative, Public Utilities Commission commissioner, and his role in establishing the National Mining Hall of Fame and the Leadville Trail 100. His family was recognized in the chamber.
During announcements, members welcomed several visiting groups, including Prowers County commissioners, the Rocky Mountain Cradle to Career Civic Influencers, the Colorado Springs School, and Advocates for Recovery Colorado, which was noted as advocating for recovery support and related policy issues. Members also mentioned upcoming committee meetings, including Finance and Appropriations, and a reminder that the business affairs and labor committee was not meeting that day.
The House then set special orders for March 19, 2026, and adopted motions limiting debate time on House Bill 1126 to three hours and on Senate Bills 4 and 43 to two hours each. The chamber then resolved into committee of the whole and began consideration of House Bill 1126, which concerns requirements for dealing firearms. The bill was read at length at the request of the minority leader, who argued that the measure could hurt small, family-owned gun businesses. The bill summary described expanded permit requirements for firearm dealers, additional requirements for responsible persons and employees, recordkeeping and security mandates, reporting of theft or loss, and increased penalties for violations, including fines, suspension, or revocation of dealer permits.
MS
Mississippi 2026 Regular Session
MS Senate Floor - 1 April, 2026; 10:00 AM
Mississippi Senate Floor Meeting
Transcript Highlights:
- That would be the employee that's working at that location that's handling processing the transaction
- It—the fee prescribed here should apply only to a transaction for which the transferor provides cash
- So it's almost, you can almost say it's somewhat protecting the consumer and the tow company.
- Well, that's not fair to the consumer either.
- >> Senate Bill 2747, Mississippi Transparency in Consumer Legal Funding Act and Act.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, May 5, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- myself as much time as I may consume. myself as much time as I may consume.
- myself as much time as I may consume. myself as much time as I may consume.
- much time as I may consume. much time as I may consume.
- consume for the purpose of closing. Mr. consume for the purpose of closing. Mr.
- consume. Gentleman's recognized. Mr. consume. Gentleman's recognized. Mr.
CA
California 2025-2026 Regular Session
Assembly Business and Professions Committee Jun 24th, 2025
Business and Professions
Transcript Highlights:
- By a consumer all exempt from the CTEC registration requirements because their activities are already
- Uncertainty and extra burdens for those out there and providing services for consumers.
- It promotes transparency, consumer protection. and more effective public oversight.
- Consumers have no way to verify the origin of the animals.
- In California, a state that prides itself on being both consumer, both leading in consumer protection
AL
Alabama 2026 1st Special Session
Alabama Senate Banking and Insurance Committee Feb 4th, 2026
Banking and Insurance
Transcript Highlights:
- with banks and financial transactions with banks and cannot<00:26:49.279>
do <00:26:49.520> - I'm saying what consumers actually see is that they don't have good dental insurance coverage.
- I'm saying what consumers actually see is that they don't have good dental insurance coverage.
- I'm saying what consumers anything.
- <01:09:40.000>
expects simply saying that the consumer expects simply saying that the consumer
MN
Transcript Highlights:
- <00:21:51.559>
and better fairness for consumers and better fairness for consumers and businesses - But you have probably four main areas of consumer services that are not currently taxed: professional
- c><00:30:14.399>
main <00:30:14.679>areas <00:30:15.039>of <00:30:15.480>consumer - probably four main areas of consumer probably four main areas of consumer services<00:30:17.240>
- that arrive out of transactions that arrive out of government<00:41:24.760>
managed government
FL
Florida 2026 Regular Session
FL House Floor Session - 2026-02-25 (5:00PM Session)
Florida House Floor Meeting
Transcript Highlights:
- Senate Bill 198 establishes the regulatory framework for cryptocurrency kiosks and protects consumers
- Its daily transactions to $2,000 for new customers, less than seven days, and $10,000 for existing customers
- It also requires detailed transaction receipts and, finally, provides refunds in certain documented cases
- The key differences are transaction limits, the regulatory structure, and the use of blockchain analytics
Summary:
The Senate convened with prayer, the Pledge of Allegiance, and a moment of silence honoring former Senator Charlie Dean. Senators also introduced guests, including family members, church leaders, and visiting students. The chamber then moved to the special order calendar, where several bills were temporarily postponed, including measures on Citizens Property Insurance, artificial intelligence, public records, and data centers.
The Senate passed a series of bills focused on consumer protection, transportation safety, health, and financial regulation. CS/HB 505 on virtual currency kiosks passed 37-0 after being substituted for SB 198 and amended to adopt Senate language aimed at limiting fraud and setting transaction controls. SB 382 on electric bicycles passed 37-0 after amendment to broaden the task force to micro-mobility devices. SB 844 on sickle cell disease continuing education passed 37-0, requiring certain health professionals to complete training on care management. SB 1014 on municipal utility service outside city limits passed 37-0, and SB 428 on the swimming lesson voucher program passed 36-0 after amendments expanding the program to ages 1 through 7 and adding drowning-prevention education for new parents.
The Senate also passed CS/CS/CS/SB 540 on the Office of Financial Regulation, which creates cybersecurity program requirements for certain licensees, expands oversight of some investment advisers, and updates credit union and anti-money-laundering provisions; it passed 36-0. CS/CS/SB 1440 on public records passed 35-1 after technical amendments tied to related cybersecurity exemptions and reporting requirements. SB 1594 on veteran benefit payments to minor clients passed 36-0, directing certain benefits for foster youth toward post-secondary education or aftercare rather than agency reimbursement. At the end of the session, the Rules Chair moved to certify all passed bills to the House and retain postponed bills on the special order calendar, and the Senate adjourned until the next day.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 1 on Health Mar 3rd, 2025
Transcript Highlights:
- You have the data from 2023 of all the bond transactions that were done under CHAFA.
- As of 2024, the latest information we have is that we've issued $2.4 billion in bond transactions to
- If we don't have greater affordability, consumers can't access services.
- We anticipate launching this direct-to-consumer option this spring.
- We also recommend considering how these products will reduce prices to consumers.
FL
Transcript Highlights:
- Ultimately, the inspection is booked and paid for by the consumer right now.
- Ultimately, the inspection is booked and paid for by the consumer right now.
- Number one, help the consumer, help us, help everyone gauge that the consumer can have a portal to understand
- Is there a cost to the consumer for those inspections? There is.
- There's a simple fact that consumers—there are some consumers in circumstances that simply can't afford
Summary:
The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts.
Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work.
Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.
MN
Minnesota 2025-2026 Regular Session
Committee on Health and Human Services - 04/14/26
Health and Human Services
Transcript Highlights:
- A lot of times those come to the AG's consumer hotline.
- <00:15:42.640>
They come to the AG's consumer hotline. - They come to the AG's consumer hotline.
- And I'm thinking of, you know, the impacts of different transactions that might move forward.
- And I'm thinking of, you know, the impacts of different transactions that might move forward.
NM
New Mexico 2025 Regular Session
IC - New Mexico Finance Authority Oversight Nov 3rd, 2025
New Mexico Finance Authority Oversight Committee
Transcript Highlights:
- It's really time-consuming, and there are a lot of problems.
- You can't have a transaction going into state government unless you meet the state's minimum requirements
- So whatever you're going to be doing here, if there's throughput with your transaction, you're in great
- You're not going to be able to do your work or your transactions with the state.
- I just know that as consumers on this side of the dais, I don't know that we can get a loan for more
TX
Transcript Highlights:
- This requirement is outdated and does not reflect today's consumers.
- To be clear, all transactions would be handled by licensed Texas dealers, ensuring compliance with consumer
- This rule helps the consumer by ensuring that we are not misleading the public.
- So does the consumer pay less?
- I would think to consumer gets a better deal, not a worse deal.
Keywords:
transportation, TxDOT, Texas Department of Transportation, road projects, highways, infrastructure, bridge construction, interchanges, corridor improvements, road widening, railroad grade separation, sound barrier, unified transportation program, legislative notice, project prioritization, capital projects, state highway system, Farm-to-Market Roads, San Antonio, Harris County
HI
Hawaii 2025 Regular Session
CPC/JHA Joint Public Hearing - Tue Mar 18, 2025 @ 2:00 PM HST
Transcript Highlights:
- <01:00:04.640>
$2 already asked investors to consume $2 already asked investors to consume - on sp135 SC2 relating to Consumer on sp135 SC2 relating to Consumer Protection<01:24:19.000>
- I'm the executive director of the Office of Consumer Protection.
- <01:25:43.040>
has by a hotel after the consumer has by a hotel after the consumer has already - First up, we've got DCCA and Consumer Advocacy with comments.
Summary:
The committee heard testimony on several measures, beginning with SB 48 SD2 HD1 relating to combat sports. The Attorney General offered a technical comment on the bill’s effective date, and several testifiers from the combat sports community strongly supported the measure with amendments. They argued that boxing and MMA should be treated separately, that the current regulatory structure has made events too costly and reduced opportunities, and that more local oversight would help revive the sport and give youth a constructive outlet. Committee members questioned whether the bill’s medical staffing requirements would apply to boxing, MMA, or both, and whether the added requirements would increase costs and reduce access. The witness from the combat sports community said amateur boxing is already regulated through USA Boxing, that the DCCA should focus on professional boxing, and that for safety he would support two physicians and one ambulance for boxing and MMA events.
The committee then took up SB 117 SD2 HD1 relating to transportation. The Department of Transportation and the Ulon Initiative testified in support, and the bicycling community was listed as supporting as well. Members focused on the bill’s rebate program for electric transportation devices, asking how successful it had been and whether removing the rebate would affect use. DOT said the program began in February 2023 and had issued about 500 rebates totaling roughly $166,000, aimed at helping people without vehicles access transportation options. The department explained that the bill would broaden access and increase the rebate amount, including additional assistance for low-income applicants.
Finally, the committee heard SB 897 SD3 HD1 relating to energy and wildfire liability. The Division of Consumer Advocacy, the Public Utilities Commission, the Attorney General, Clearway Energy Group, Ulon Initiative, Kawai K, IBEW Local 1260, and Hawaiian Electric all testified in support, while the Hawaii Association for Justice was listed as opposed but not present. Supporters said the bill would help finance wildfire mitigation and infrastructure improvements through securitization, reduce wildfire risk, and address utility cost and credit concerns. Hawaiian Electric emphasized that the bill is forward-looking, would help protect customers from future wildfire-related cost increases, and requested amendments including a study on a future wildfire recovery fund. In questioning, members pressed Hawaiian Electric on the liability cap, asking whether it would have applied to the Maui wildfires and whether it would cover personal injury or wrongful death; the witness and company counsel clarified that the aggregate cap applies only to qualifying property damage, not personal injury or wrongful death, and said they would follow up on how the cap would calculate in a Maui-type event. Hawaiian Electric also said it would seek financing under the bill if enacted and updated members on settlement funding efforts, including raising the first $550 million in equity and divesting assets to help meet its obligations.
TX
Transcript Highlights:
- So in one case we have a family of four who were signed up as consumers, the direct consumers to take
- He is on the HCS program with consumer-directed services.
- You all are consumer directed and fee for. Service directive.
- This is not an arm's length transaction.
- This is not an arm's length transaction.
Summary:
The Senate Committee on Health and Human Services convened to discuss interim charges regarding fraud, waste, and abuse in Texas human services, particularly focusing on Medicaid and childcare programs. The meeting highlighted the importance of preventing misuse of taxpayer funds, with testimony from various stakeholders emphasizing the need for increased oversight and accountability in these programs. Key points included the alarming rise in healthcare fraud in other states, the necessity for Texas to enhance its fraud prevention measures, and the potential financial repercussions of failing to meet federal compliance standards.
Several committee members expressed concerns about the impact of fraud on vulnerable populations, particularly those relying on Medicaid services. Testimonies from experts underscored the effectiveness of Texas's Office of Inspector General (OIG) in combating fraud, yet pointed out existing vulnerabilities, such as inconsistent enforcement and the need for better data sharing among agencies. The discussion also touched on the challenges faced by hospice care providers, with a significant increase in the number of hospices in Texas raising concerns about quality and oversight.
The committee heard from various witnesses, including representatives from health plans and advocacy organizations, who provided insights into the complexities of managing Medicaid and the importance of maintaining program integrity. The meeting concluded with a commitment to further explore legislative solutions to enhance oversight and ensure that resources are directed to those in genuine need.
MN
Transcript Highlights:
- Under current law, all medical provider, healthcare, and prescription medication transactions in Minnesota
- <00:01:59.640>
and <00:01:59.920>medication paid on transactions and medication paid - on transactions and medication sales<00:02:00.960>
outside <00:02:01.360>of <00:02:01.520 - <00:03:28.439>
for <00:03:28.799>dispensed <00:03:29.319>medication transactions - for dispensed medication transactions for dispensed medication outside<00:03:30.879>
of <00:03
MN
Transcript Highlights:
- These taxes apply to all transactions within the jurisdiction that the state sales tax would apply to
- These taxes apply to all transactions within the jurisdiction that the state sales tax would apply to
- um and have narrow narrower transactions um and have narrow narrower bases<00:59:04.799>
than - <00:59:43.599>
um Food and beverage transactions, usually including alcoholic beverages at - so when we're saying to the consumer so when we're saying fair<01:22:51.800>
share <01:22:52.600
Summary:
The House Tax Committee met for an organizational and orientation session. Members and staff introduced themselves, with several lawmakers noting their districts, business backgrounds, and interest in tax policy. Chair Greg Davids then opened the committee’s first substantive item: a presentation from House Research and House Fiscal staff on how the committee works and on basic tax concepts.
House Research staff Sean Williams and Chris Clayman explained their roles in drafting bills and amendments, writing bill summaries, answering legal and policy questions, and modeling tax proposals. They also described the committee’s key documents, including partisan and nonpartisan bill summaries, revenue estimates, fiscal notes, and supporting materials. Their presentation covered core tax concepts such as tax bases, rates, deductions, exemptions, credits, tax revenues, and tax expenditures, emphasizing that tax expenditures function like spending through the tax code and are reviewed by a legislative commission.
The staff then reviewed Minnesota’s major taxes, focusing on the individual income tax and business taxation. They explained that Minnesota’s individual income tax starts with federal adjusted gross income, then applies state additions, deductions, subtractions, and credits, and that the state’s income tax brackets and rates are set separately from federal law. They also outlined the difference between corporate franchise taxes for C corporations and individual income tax treatment for pass-through entities, and discussed how the federal SALT cap led Minnesota and other states to adopt pass-through entity taxes so businesses could preserve federal deductibility of state taxes. Members asked questions about a duplicate “marriage penalty” entry on a slide, the purpose of Minnesota’s marriage penalty credit, comparisons with other states, and the timing and effect of the pass-through entity tax; staff answered that the duplicate was a mistake, the credit offsets bracket-related marriage penalties, and the pass-through entity tax was adopted in response to the federal SALT cap.
MN
Transcript Highlights:
- It is the Office of Ombudsman for Long-Term Care and the Consumer Advocates Coalition's privilege to
- Long-Term Care and the Consumer Long-Term Care and the Consumer Advocates<00:29:12.040>
Coalition's - It does ask the Department of Health to approve or deny fee increases beyond the consumer price index
- uh fee increases beyond the consumer uh fee increases beyond the consumer price<00:40:55.440>
- <00:48:42.120>
that <00:48:42.360>is of related party transaction that is of related
TX
Texas 89th Regular
Licensing & Administrative Procedures Mar 11th, 2025
Licensing & Administrative Procedures
Transcript Highlights:
- Consumers the legal framework for the agency and really for the alcoholic beverage code is really divided
- But, yeah, thanks for that. to changing the terminals, the other one was changing the amount of transactions
- and five dollars then you can use that hundred dollars to purchase tickets or they'll charge a transaction
- The vendor to identify the software change and we put a limit on the number of transactions per day.
- Even when the jackpot's at a high level, we're able to... process their transactions with a high level
FL
Florida 2026 Regular Session
Senate in Special Session D Apr 28th, 2026
Florida Senate Floor Meeting
Transcript Highlights:
- God, today they have gathered here in Tallahassee from various locales across the state to transact business
- to convene the legislature in special session during which only such legislative business may be transacted
- I think that this bill weakens protections for parents and for consumers when it comes to AI.
Summary:
The Senate convened with an opening prayer and the Pledge of Allegiance, then administered the oath of office to newly elected Senator Brian Nathan of District 14, who was welcomed by the chamber. The Secretary read the governor’s amended special session proclamation, which expanded the call to include legislation on artificial intelligence protections, an AI Bill of Rights, related public records exemptions, and medical freedom, in addition to congressional redistricting and related litigation funding. The chamber then read the bills filed within the call: SB 2D (Artificial Intelligence Bill of Rights), SB 4D (public records), SB 60 (medical freedom), and SB 8D (congressional districts). The Rules Chair moved SB 2D and SB 4D forward, and the Senate took up SB 2D first.
On SB 2D, the sponsor said the bill was intended to protect parents and children from deceptive AI practices, safeguard personal information and image rights, and ensure technology serves rather than deceives Floridians. Senator Grall opposed the bill, arguing it weakened protections and gave parents a false sense of security, while Senator Busillo supported it as a necessary but imperfect first step that should be implemented carefully. After debate, the Senate passed SB 2D by a vote of 37 yeas and 1 nay.
The Senate then passed SB 4D, the companion public records exemption bill, after brief discussion about which investigative files would be exempt during enforcement proceedings; the vote was 33 yeas and 4 nays. The Rules Chair announced committee scheduling, noted SB 60 (medical freedom) would be temporarily postponed in Rules, and the Senate also set SB 8D for special order on Wednesday, April 29. The chamber adjourned until 10 a.m. on Wednesday, April 29.
TX
Transcript Highlights:
- Just based on the terms of the bill, I don't believe that transaction would be implicated by the bill
- Current regulatory process makes converting offices to housing difficult and time-consuming.
- something else on the same transaction.
- something else on the same transaction.
- Well, Senator, these transactions take place, this advice takes place behind closed doors.
Summary:
The Senate took up and passed Senate Bill 945, which concerns political shareholder proposals by insurers and insurance holding companies. Senator Hughes argued the bill would protect Texas-based insurers from activist shareholder pressure, especially proposals aimed at limiting insurance coverage for oil and gas companies for ESG or political reasons. The motion to suspend the regular order was adopted over objection, and SB 945 passed to engrossment on a 20-10 vote with one present not voting.
The chamber also passed Senate Bill 1117, allowing any Texas-licensed dentist to administer botulinum toxin in oral or maxillofacial regions for aesthetic purposes, and House Joint Resolution 98, renewing Texas’s application for an Article 5 Convention of States to propose amendments on fiscal restraints, federal power limits, and term limits. Both measures advanced after debate and roll-call votes; SB 1117 passed unanimously after suspension of the three-day rule, and H.J.R. 98 was adopted on a 17-14 vote.
Members then approved several other measures, including the committee substitute for House Bill 142 on HHSC’s Office of Inspector General and Medicaid overpayment recovery, Senate Bill 2373 on AI-enabled financial fraud and deepfake/phishing schemes, Senate Bill 2221 on fraudulent UCC financing statements, and Senate Bill 2681 on the basis for third-party voter-registration challenges. The Senate also adopted a resolution authorizing a Texas Life Monument replica at the Capitol complex, and passed S.J.R. 59 creating funds for Texas State Technical College capital needs.
The body debated and passed Senate Bill 946, which would bar credit discrimination against organizations based on social, political, religious, or similar value-based considerations and require credit decisions to rest on creditworthiness. Senators raised concerns that the bill could create a special protected class for non-human entities or conflict with existing state policies, but the bill advanced to engrossment on a 20-11 vote. The Senate also passed Senate Bill 2477 to ease office-to-residential conversions in large cities after adopting an amendment negotiated with municipal stakeholders, and began consideration of Senate Bill 715 on ERCOT reliability requirements for generators, including existing generation, with extensive debate over impacts on renewables, power purchase agreements, and grid reliability.