Transcript Highlights:

• And we're also looking for a CEO now and a chief financial officer. These packages are out there.
• as financial strength of the institution.
• as financial strength of the institution.
• The financial cost and physical resources to fulfill House Bill 1572 were not provided in the bill.
• The financial cost and physical resources to fulfill House Bill 1572 were not provided in the bill.

Summary: The Senate convened with prayer, pledge, roll call, and a quorum present, then approved a motion to lay over House Bill 1525 for one legislative day. It also voted not to concur with House amendments on Senate Bills 2294, 2297, 2070, 4017, and 2262, appointing conference committees for each. The chamber then took up a series of House bill amendments and final-passage votes. On amendments, the Senate adopted changes to House Bill 1229 on fleeing law enforcement and driving-record transparency after debate over insurance impacts and public safety; House Bill 1510 on teacher retention, on-site child care, and licensure study language; House Bill 1160 to restrict student personal electronic devices during instructional time; House Bill 1429 to address drone harassment and stalking of animals; House Bill 1203 to harmonize medical marijuana provisions; House Bill 1600 to create a UND immigration clinic with reporting requirements; House Bill 1130 to broaden K-12 funding formula changes and reduce state fiscal impact; House Bill 1279 to modify the coal conversion tax exemption; House Bill 1442 to adjust membership and scope of a state task force; and House Bill 1464 to convert a maternal care services proposal into a study and remove the appropriation. The Senate rejected an amendment to House Bill 1022 concerning the Retirement and Investment Office bonus program, then passed the bill. It also passed House Bill 1234 on a $90 million transfer to reduce PERS liability, while rejecting a floor amendment to it. On final passage, the Senate passed House Bills 1008 (Public Service Commission budget), 1218 (temporary moratorium and study on economic analysis for drain projects), 1234 (PERS funding transfer), 1146 (PERS defined contribution cleanup and emergency clause), 1355 (expanded notice for administrative rulemaking), 1470 (Game and Fish fee changes and guide/outfitter updates), 1029 (Capital Grounds Planning Commission duties), 1017 (Game and Fish budget), 1374 (township supervisor open-meeting exemption for on-site inspections), and 1064 (NC-SARA membership and distance education regulation). It defeated House Bill 1583 on false political advertisements with civil-action language and House Bill 1393 on earned wage access provider regulation. The transcript ends as the Senate begins consideration of House Bill 1326 on self-defense and unlawful firearm possession by felons.

Transcript Highlights:

• </c> account in our financial statements. account in our financial statements.
• </c> financial management responsibilities. financial management responsibilities.
• </c> internal controls, financial management. internal controls, financial management.
• That does not include all of the other financial management transactions that occur in the state accounting
• by transaction basis, on a transaction by transaction basis, as<01:25:42.320><c> authorized</c><01:25

Committee: House Fraud Prevention and State Agency Oversight Policy

Transcript Highlights:

• by these marketplaces backed financially by these marketplaces that<00:21:20.960><c> make</c><00:21:
• In some markets, ticket scams rose significantly when higher financial losses and a surge in fraud.
• True consumer protection keeps transactions in transparent, regulated marketplaces and respects fans'
• </c><00:35:08.160><c> in</c> protection keeps trans transactions in protection keeps trans transactions
• </c> of peace of mind um in that transaction. of peace of mind um in that transaction.

Transcript Highlights:

• </c><01:00:51.520><c> and</c><01:00:51.760><c> maintenance</c> key financial and maintenance key financial
• ,</c> bundled or portfolio transactions, bundled or portfolio transactions, residents<01:01:12.160><c
• financials financials uh<01:05:29.039><c> unless</c><01:05:29.359><c> I</c><01:05:29.599><c> signed<
• </c> financial behavior. financial behavior.
• This identity theft and financial harm.

Transcript Highlights:

• The issue with its SDSI status was that it was using a lot of the revenue of its semi-independent financial
• . the revenue of, it's semi-independent in its financial structure, because the legislature does not
• The Real Estate Commission protects those people involved in real estate transactions by requiring those
• I know, and she knows, and the staff know that our relationships are not transactional because we have
• As Commissioner Yaltman said, you know, we went from an energy crisis after Uri to a financial crisis

Committee: Senate Nominations

Summary: The Senate Committee on Nominations held its final nomination hearing of the session and considered three nominees: J.B. Goodwin for the Texas Real Estate Commission, Courtney Yaltman for the Public Utility Commission of Texas, and Thomas Gleason as PUC chairman. Goodwin described his long career in real estate and charitable work, and senators questioned him extensively about the Real Estate Commission’s self-directed, semi-independent status, housing affordability, institutional homebuyers, property insurance costs, disclosure issues, and the Burnett v. National Association of Realtors case. Yaltman and Gleason were questioned about PUC oversight of ERCOT, post-Winter Storm Uri reforms, utility resilience and vegetation management after Hurricane Beryl, water and telecommunications oversight, staffing and transparency, and rising infrastructure and utility costs. Much of the discussion focused on housing and utility affordability, with several senators urging the nominees to keep consumer protection and public trust at the forefront. Goodwin said housing affordability and large-scale investment purchases were not within the Real Estate Commission’s direct purview, though he supported further study. Yaltman and Gleason said the PUC had increased oversight of ERCOT, improved communication and accountability with utilities, and was working on resiliency plans, rate-setting issues, and infrastructure planning while trying to avoid overburdening ratepayers. The committee first voted to favorably report nominees left pending from the May 5 agenda by a 6-0 roll call vote. After public testimony was opened and closed, the committee then voted on the nominees heard that day and favorably recommended all three to the full Senate for confirmation by a 7-0 vote. The committee then recessed subject to the call of the chair.

Transcript Highlights:

• </c> of money elsewhere in una's financial of money elsewhere in una's financial aid<00:48:02.280><c>
• </c> by the Securities industry financial by the Securities industry financial Market<01:25:35.719><c
• The financial service people in financial service, let's say in the state, they are at the bottom of
• The financial service people in financial service, let's say in the state, they are at the bottom of
• The financial service people in financial service, let's say in the state, they are at the bottom of

Summary: The committee first heard testimony on House Bill 167, which would add ski, snowboard, and boat wax containing PFAS to the state’s consumer-product restrictions. The sponsor argued the product is already banned in many places, has PFAS-free alternatives, and is used in ways that can directly contaminate water rather than landfills. She cited high PFAS levels in several New Hampshire lakes and said the bill was a simple extension of prior PFAS legislation. A witness also described a personal experience where a liquid ski wax disappeared from the market and later returned, likely because of PFAS concerns. The chair then closed the hearing on HB 167 without a vote. The committee then opened a hearing on House Bill 312, dealing with college athletes’ name, image, and likeness (NIL) rights. Representative Moffett said the bill was modeled on New Jersey law and intended to let student-athletes earn compensation from NIL without losing institutional scholarships, while also requiring licensed representation and setting limits on certain endorsements. He described the measure as proactive because NIL rules are evolving and could create conflicts among schools and future lawsuits. Members questioned whether the bill should apply to two-year institutions, whether it should exclude firearms and weapons, and whether the scholarship protections would cover need-based or academic aid as well as athletic scholarships. Moffett said the scholarship language was intended to protect scholarships generally, but not need-based aid specifically, and he acknowledged discomfort with some of the endorsement restrictions. Public testimony on HB 312 was mixed. One supporter, a former Division III athlete and coach, backed the bill but urged removal of a section allowing institutions or athletic bodies to use an athlete’s NIL without compensation, arguing most New Hampshire athletes do not receive NIL money and should not have to work extra jobs to cover basic expenses. The chair also raised concerns about the bill’s contractual and identity-rights implications, referencing prior committee work on a J.D. Salinger-related identity case and noting the committee had previously declined to get involved in similar contractual disputes. No vote was taken during the hearing.

Transcript Highlights:

• </c><00:03:41.760><c> Costs,</c> regarding financial charges. Costs, regarding financial charges.
• Most states do not adequately track legal financial obligations.
• </c> unlawful transaction. unlawful transaction.
• </c><00:37:43.280><c> caused</c> liability if if this transaction caused liability if if this transaction
• </c> defendants don't have the financial defendants don't have the financial means<00:53:00.400><c> to

Committee: House Judiciary

Transcript Highlights:

• If a vulnerable adult is financially exploited, a family member, the exploited person can go directly
• 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.
• course, is to minimize any application issues and ensure that are eligible families receive the financial

Transcript Highlights:

• For context, these are real estate transactions that take place when property is changing hands.
• Additionally, counties reported using a variety of software vendors to process land transactions.
• . transactions. transactions.
• As such, it transactions and counties.
• So at the county level, this is processed every time a transaction takes place.

Transcript Highlights:

• These practices already violate California law, but the lack of automatic financial consequences has
• They're intended to propose actions to remediate any violations of law or to improve the financial health
• And families across the state are depending on us to ensure that insurance companies are financially
• So currently CCPA covers non-insurance transaction... ...we've both given.
• So currently CCPA covers non-insurance transaction data.

Summary: The Assembly Insurance Committee heard several bills, with most of the discussion focused on insurance transparency, claims handling, privacy, and regulatory enforcement. SB 877 and SB 878 by Senator Pérez addressed post-disaster claims practices: SB 877 would require insurers to disclose original and revised loss estimates and related claim materials to policyholders, while SB 878 would add automatic interest penalties for delayed claim decisions or payments and require written identification of disputed items. Fire survivors, consumer groups, AARP, the Department of Insurance, and other advocates supported both bills, while insurer groups moved to neutral after amendments. Both bills were voted out on roll call and reported to the Committee on Appropriations. The committee also considered SB 1054 by Senator Cabaldon, which would expand data sharing and reporting to improve workforce program evaluation and help counties verify work requirements for Medi-Cal and CalFresh using employer-reported hours worked. County officials, workforce advocates, and the Department of Insurance supported the measure, and no opposition was heard. The bill passed on a due-pass-as-amended motion to the Committee on Labor and Employment. SB 1209 by Senator Allen, presented with Insurance Commissioner Ricardo Lara, would give the commissioner stronger enforcement tools to require insurers to carry out corrective actions identified in market conduct examinations, including fines and hearings for noncompliance. The commissioner and author said the bill would close an enforcement gap and improve accountability; there was no opposition testimony, but the bill was left on call after the roll. The committee also heard SB 354 on insurance privacy, presented by Senator Padilla on behalf of Pro Tem Limón, which would modernize insurance privacy rules by expanding consumer rights over personal data, limiting sale and use of sensitive information, and increasing disclosure requirements. Supporters said the bill updates outdated 1980s-era rules, while insurers, agents, and business groups raised concerns about scope, compliance burdens, and small-business impacts. Members indicated the bill was still being negotiated and would return in a revised form in the Privacy Committee.

Transcript Highlights:

• Senate Bill 282, Home and Service Warranty Association Financial Requirements.
• Licensed extended warranty companies to back their financial obligations.
• an audited financial statement.
• They host intimate, medical, financial, and other kinds of sensitive data.
• They host intimate, medical, financial, and other kinds of sensitive data.

Committee: Senate Commerce and Tourism

Summary: The committee first took up SB 702, as amended by a strike-all amendment on digital content provenance and authenticity. Senator Burgess said the bill would require generative AI providers to add provenance data to content wholly generated by AI, allow provenance tags on AI-modified images, require social media platforms to retain and display provenance data in an accessible format, and apply content credentials to online election advertisements. He also described a two-year pilot program for the Division of Emergency Management to test provenance data in emergency communications, and said the bill would be enforced only by the Attorney General with no private right of action. Supporters from Microsoft and Adobe waived in support, while TechNet and the James Madison Institute raised concerns about broad definitions, implementation burdens, and the possibility that the rules could be easily circumvented. The committee adopted the amendment and then reported CS for SB 702 favorably. The committee next considered CS for SB 282 on home and service warranty association financial requirements, which would allow extended warranty companies to use multiple insurance policies to back obligations and let companies with a $100 million net worth satisfy proof requirements through SEC filings or an audited financial statement. The Florida Service Agreement Association supported the bill, and the committee reported it favorably. The committee also passed CS for SB 678, which allows pawnbroker transaction forms to be printed or digital; the Florida Pawnbrokers Association and a business representative supported the change, the amendment was adopted, and the bill was reported favorably. The committee then heard SB 1132, the Portable Wireless Device Repair Act, which would require manufacturers to provide diagnostic tools, repair information, and parts to owners and independent repair providers, and would also extend right-to-repair concepts to agricultural equipment through an amendment. Supporters argued the bill would expand consumer choice and repair access, while opponents including TechNet, the Repair Done Right Coalition, the James Madison Institute, and the Taxpayers Protection Alliance warned about privacy, cybersecurity, trade secret, safety, and compliance concerns. After debate, the committee reported CS for SB 1132 favorably. Finally, the committee took up SB 676, which would create a framework for employees to knowingly and voluntarily waive the Florida minimum wage in certain internship, apprenticeship, and work-study settings, with a parent or guardian sign-off for minors. The sponsor said the bill was intended to expand job training and first-job opportunities for young people and others seeking experience, but multiple speakers and senators argued it conflicted with the Florida Constitution and existing case law, could be exploited by employers, and would undermine the voter-approved minimum wage. The committee continued extensive debate on the bill, with strong opposition testimony and questions about constitutionality, definitions, and enforcement.

Transcript Highlights:

• This current arrangement creates a financial incentive to break quorum.
• Fundraise so that there's no financial benefit from breaking quorum.
• financially support a quorum break.
• So that we have a sufficient number of members to transact this.
• Quorum and they gain financially from the quorum break and raise money.

Bills: HB18 , SB 54 , SB 10 , HR76 , HR77 , HR78 , HR82 , HR83 , HR88 , HR89 , HR93 , HR94 , HR95 , HR98 , HR101 , HR102 , HR104 , HR105 , HR107 , HR108 , HR109 , HR110 , HR111 , HR112 , HR113 , HR123 , HR125 , HR79 , HR80 , HR81 , HR84 , HR85 , HR86 , HR87 , HR90 , HR91 , HR92 , HR96 , HR97 , HR100 , HR103 , HR106 , HR114 , HR115 , HR116 , HR117 , HR118 , HR119 , HR120 , HR121 , HR122 , HR124 , HB18 , SB54 , SB10 , HB8

Transcript Highlights:

• Chairman, and Representative Buznowski, it's my impression that most of these kinds of financial instruments
• we would do that by is to insist that the laws of the state of Idaho be observed in any kind of transactions
• Representative Chitam, would this then affect instruments already executed or only future transactions
• Chairman and Representative Chitam, I believe this would just take effect on future transactions.
• We can't go back and claw back into existing... ...on future transactions.

Committee: House Business

Transcript Highlights:

• </c><00:23:36.040><c> business</c> entities that are transacting business entities that are transacting
• </c><00:24:03.200><c> business</c> entities that that do transact business entities that that do transact
• c> business</c><00:24:12.520><c> happening</c> transactions and and business happening transactions and
• </c> uh evaluate each, you know, financial uh evaluate each, you know, financial proposal<00:25:45.640
• </c> where members have to avoid financial where members have to avoid financial ties<01:35:25.240><c

Bills: HF4456 , HF4544 , HF3698

Committee: House Commerce Finance and Policy

Transcript Highlights:

• </c> would end up increasing the financial would end up increasing the financial burden<01:26:39.760>
• </c> financially for these J1 visa holders. financially for these J1 visa holders.
• And it helps with providing greater job security for teachers to help with financial stability.
• </c><02:02:16.000><c> And</c><02:02:17.199><c> um</c> help with um financial stability.
• And um help with um financial stability.

Bills: HB1946 , HB1515 , HB1514 , HB1648 , HB1644 , HB1619 , HB1571 , HB1810 , HB2475 , HB1645 , HB2301 , HB1889 , HB1840

Committee: House Consumer Protection & Commerce

Summary: The committee on Consumer Protection and Commerce met on February 26, 2026, and heard several bills, mostly in the areas of workers’ compensation and consumer protection. HB 1946 HD1 on timeshare registration renewal drew support from DCCA’s timeshare program and major industry groups including Hilton Grand Vacations, the American Resort Development Association, and Marriott Vacations Worldwide, with no opposition noted. HB 1515 HD1, which would allow an attending physician to request a functional capacity examination without employer permission, was supported by DLIR and the Department of Human Resources Development and had no other in-person testimony; the bill was then moved on without questions. The committee spent substantial time on HB 1514 HD1, which would streamline workers’ compensation vocational rehabilitation by clarifying provider selection and requiring vocational plans within 90 days. DLIR supported the intent but asked for amendments, saying the 90-day deadline was too rigid given case-by-case complexity, limited staffing, and the need for coordination among injured workers, employers, and counselors; members discussed possible extensions and whether a 120-day timeline or other flexibility would be better. Testimony on the bill included one individual in support and seven in opposition. HB 1648 HD1, concerning workers’ compensation and physician dispensing of non-prescription drugs, drew support from DHRD and comments from DLIR and industry witnesses. DLIR said the bill should be narrowed so it does not restrict medically necessary over-the-counter medications or oral guidance from providers, while Aloha Billing Company and Solera Integrated Medical Solutions urged tighter limits on physician dispensing and raised concerns about pricing abuse through average wholesale price. Members discussed clarifying the bill’s language so it targets written prescriptions rather than oral advice. HB 1644 HD1, requiring a standardized disclosure form for residential solar contracts, received support from the Hawaii Solar Energy Association and Kauaʻi Island Utility Cooperative, while DCCA’s Office of Consumer Protection supported the consumer-protection goal but proposed stronger remedies, including a three-day cancellation right, voidability for missing disclosures, and possible lender liability; members questioned how those remedies should apply to lenders, and no vote was taken on the measures in the portion provided.

Transcript Highlights:

• as opposed to your credit card transactions?
• Do you have a situation where, because there's so much less cash transactions, thefts are down?
• So speed of the transaction is part of the deal. So I appreciate it. Thanks very much.
• So I think some specificity in what is a retail transaction is very important as we move forward.
• That last part—so she does have a $500 per transaction fine.

Committee: House Special Committee on Tax Reform

Transcript Highlights:

• We have already begun to do some financial training all the way up and down with our staff.
• that there's a clear understanding from the top of our structure all the way to the bottom of our financial
• And I will do everything in my power to make sure that the board and the financial staff is well aware
• Those were the type of transactions that how they donated funds to the district.
• And those were the type of transactions that, how they donated funds to the district.

Committee: All LEGISLATIVE JOINT AUDITING-EDUCATIONAL INSTITUTIONS

Summary: The committee met to review education audit reports and adopted the minutes. Legislative Audit reported 103 education audits total, with 89 having no findings and 14 containing findings. The committee first heard from Camden Fairview School District, which had findings for spending operating funds on an end-of-year employee banquet and for unauthorized credit card charges. District officials said they had implemented stronger internal controls, stopped using the affected card, and would limit future events to comply with state law and constitutional requirements. Members questioned the district about prior practices, donated funds, and how teacher appreciation could continue without using operating funds; the report was filed as reviewed. The committee then reviewed Forest City School District, which had a finding for spending $33,000 in operating funds on an off-campus end-of-year celebration and entertainment event. District representatives said the money came from a long-standing Pepsi-related donation fund, but acknowledged confusion over whether it should be treated as operational funds and said they would stop using it that way and provide training to staff and the board. Members discussed whether the funds were private donations or operating funds, the lack of a formal board vote, and whether the event was intended to recognize staff and growth; the report was filed as reviewed. The committee also received notice of more serious findings that were referred to the prosecuting attorney and attorney general, including Conway School District for misuse of district funds and resources by former maintenance employees, Magnolia School District for undeposited activity funds, Westside School District for undocumented and personal credit card charges, and Boonville School District for paying a board member’s son in excess of the statutory limit without an approved exemption. The remaining eight reports with findings were filed en masse as reviewed, and the 89 reports with no findings were also filed en masse. The committee adjourned after noting that most districts reviewed had no findings.

Transcript Highlights:

• House Bill 2174, an act amending Section 20-3604, Arizona Revised Statutes, relating to the transaction
• The whole bill says this state may not require a bank or financial institution to use a social credit
• score when the bank or financial institution evaluates whether to lend money to a customer.
• And suppose you are a bank or financial institution that wants to follow this law and you really don't
• And it ties the hands of regulators who need flexibility as they respond to evolving financial threats

Summary: The Senate opened with prayer, the Pledge of Allegiance, guest introductions, and a light April Fools proclamation directing the sergeant-at-arms to wear a silk top hat for the day. The chamber then agreed to the House request to adjourn from April 2 to April 7, and messages from the House were received, including transmission of some bills to the Governor. The body also briefly recognized visitors from the Arizona Psychiatric Society and the nominee to lead the Department of Emergency and Military Affairs. In Committee of the Whole, the Senate considered several bills. On the first calendar, it advanced HB 2120 on property tax exemptions and disability determinations, HB 2174 on insurance business and modeling data, HB 2289 on truth-in-taxation bond notices, HB 2861 on marital/postnuptial agreements, and HB 2903 on banks and financial institutions. On the second calendar, it advanced HB 208 on school libraries, HB 2040 on public educational institutions and adoption information, HB 2075 on school employee contracts, HB 2203 on public school reporting requirements, HB 2255 on school employee training, HB 2383 on school property leases and housing development, and HB 2903 again as amended. Several floor amendments were debated, including a successful hostile amendment to HB 2075 that was later rejected, and committee amendments to other bills were adopted. The Senate then took third-reading votes on multiple bills. HB 257, HB 2131, HB 2223, HB 2264, HB 2857, HB 2120, HB 2174, HB 2289, HB 2861, HB 2903, HB 2008, HB 2040, HB 2075, HB 2203, HB 2255, and HB 2383 all passed, with recorded roll-call votes and several members explaining their opposition or support. HB 2255 passed with the required three-quarters vote. The chamber also adopted the Committee of the Whole reports and transmitted the bills as appropriate. Before adjournment, Senator Miranda read a proclamation recognizing Farm Workers Day, and Senator Tothley offered a statement and moment of silence in memory of Passion Swartz, urging review of turquoise alert practices. The Senate then voted to adjourn until Thursday, April 2, 2026 at 10 a.m.

Transcript Highlights:

• As a result, sales transactions are delayed and are unable to close on time.
• That's the province of the parties to the transaction.
• This is literally relating to a sale transaction between a buyer and seller.
• And it's causing delays in the transaction unacceptably.
• Also, the type of transaction on the loan is very different.

Summary: The Assembly Housing and Community Development Committee heard four items, including one consent bill, and began before quorum was established. AB 760, by Assemblymember Ta, would temporarily allow mobile home park-owned homes to be rented to people displaced by a natural disaster in areas under a declared state of emergency, including adjacent jurisdictions. Supporters said it would quickly add housing after fires, floods, or earthquakes; there was no opposition at the hearing, and members generally praised the narrow committee amendments. The bill later passed on a due-pass-as-amended vote. Chair Haney presented AB 1445, which would let cities create downtown recovery districts to finance office-to-housing conversions and other downtown revitalization projects using growth in property tax revenue. Support came from the California Travel Association, Housing Action Coalition, IKEA, Spur, Abundant Housing, and Circulate San Diego, with members saying the bill could help downtowns recover and expand mixed-use housing. The committee voiced support and interest in broader use of the tool, and the bill was approved on a due-pass-as-amended vote. AB 456, by Assemblymember Connolly, drew the most extensive debate. The bill would prohibit mobile home park managers from requiring interior repairs or improvements as a condition of sale and would require timely written lists of exterior repairs, with supporters arguing that park managers are interfering with sales and delaying closings. Opponents, led by the Western Manufactured Housing Communities Association, argued that interior inspections are needed to protect buyers and park residents from unsafe conditions and potential liability. Members raised questions about safety, disclosure, HCD oversight, and liability; after discussion, the bill was moved on a due-pass-as-amended vote, with some members not voting or expressing reservations. The committee also approved the consent calendar.

Transcript Highlights:

• </c> that transact in this state. that transact in this state.
• </c> financial differencemaker in this financial differencemaker in this competition<01:14:44.000><c>
• </c> analysis confirms that the financial analysis confirms that the financial benefit<01:14:55.440><
• </c><01:25:57.440><c> happen</c> and over when these transactions happen and over when these transactions
• </c> business transactions on a few boards. business transactions on a few boards.

Summary: The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them. Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase. Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.