Transcript Highlights:

• We are convening the Committee on Commerce and Consumer Protection and Commerce.
• My name is Michel Angelo, Executive Director, Division of Consumer Advocacy.
• First up, we have DCCA Consumer Advocate in with comments.
• First up, we have DCCA Consumer Advocate in with comments.
• First up, we have DCCA Consumer Advocate in with comments.

Keywords: 910, house, all

Summary: The committee heard testimony on HB 818 HD1, which would establish the Waiawa Community Development District. The Attorney General’s office said the bill may not comply with requirements for a special fund, and DLNR asked for further amendments so lease revenues would remain with DLNR while it continues managing the lands. DLNR cited ongoing costs, including the Uncle Billy’s demolition debt and management needs at Banyan Drive/Banyan Country Club. HCDA/Waiawa representatives supported the bill, agreed that DLNR should keep lease revenues while it remains the land manager, and said a future transfer of land management would change where revenues should go. Members focused on whether removing lease revenue would undercut the bill and on how existing and future revenues should be allocated. The committee then took up HB 338 HD1 and HB 339 HD1 on renewable energy-related utility transactions and procurement. Testimony came from the Consumer Advocate, the State Energy Office, the Public Utilities Commission, Hawaiian Electric, IBEW Local 1260, Ulupono Initiative, and Life of the Land. Supporters generally backed the measures, while some asked for labor-related strengthening language. Discussion centered on how the PUC should handle competing bids or offers in utility merger or acquisition situations, with concerns raised about NDAs, timing, and whether the original version or amended language better allowed public and intervenor participation. A witness from Life of the Land argued that utilities should not negotiate under NDA in a way that blocks later public competition, and a PUC-related witness said the current language was changed from the original to address PUC testimony. Finally, the committee heard HB 1467 HD1 on housing resiliency. OIP was not present, while B&F raised concerns about placing federal funds into a special fund, saying federal grant money should remain in a separate P fund for transparency, accountability, and single-audit compliance. State agencies and groups including OPSD, Hawaii Emergency Management Agency, the Climate Advisory Team, and Hawaii Realtors supported the measure. Testimony emphasized that many older roofs lack hurricane clips and that strengthening homes could reduce disaster sheltering and temporary housing costs. IBEW Local 1260 supported the bill but argued that building to current standards upfront is preferable to retrofitting later. Members questioned funding structure, eligibility, and whether the program should be needs-based; the bill was described as limited to households under 140% AMI. No votes or final actions were taken in the portion of the meeting provided.

Transcript Highlights:

• And fourth, and finally, the Attorney General is the Chief Enforcer of Minnesota's Consumer Protection
• Litigious, and the challenges facing consumers became more complicated.
• Our Consumer Action Division has returned $51 million directly to Minnesotans' pockets over the last
• Consumers informally mediate and resolve thousands of complaints that we receive from the public every
• The Governor's Finance Bill, and it would allow state agencies to withhold payments to recipients of

Bills: HF627, HF474, HF361, HF1837

Keywords: HF627, fiscal note, fiscal notes, Minnesota Legislature, state government, committee procedure, ranking minority member, minority party, standing committee, Ways and Means, Finance Committee, legislative process, budget analysis, fiscal impact, Minnesota Statutes 3.98, committee chair, legislative transparency, HF474, Hubert H. Humphrey, Henry Mower Rice

Transcript Highlights:

• From the General Fund to the Department of General Services for the payment of claims against the state
• not cashed, and to verify that they have not been improperly cashed and then claimed for another payment
• mean, this goes on in the financial world and the consumer world every day.
• These claims, although the claims date back to payments that were issued or that were owed earlier, the
• I mean, this goes on in financial world and the consumer world every day.

Summary: The Assembly Appropriations Committee met on July 9, 2025, with a quorum present and opened by taking up its consent and suspense calendars. Several Senate bills were moved on consent, including SB 255, 361, 385, 387, 428, 602, 648, 652, and 693, along with SB 78 on a separate due-pass motion. The suspense calendar was then deemed approved without further discussion. The committee next heard AB 1533, a claims bill authorizing a General Fund appropriation of $672 million to pay state claims, including $600 to the Franchise Tax Board and $72 million to the DMV for stale claims. Assemblymember Wicks presented the bill as one of the annual claims measures, and the Department of Finance and Department of General Services both supported it. Assemblymember Dixon raised concerns about the age of claims, the cost and efficiency of the process, and whether the state could improve how it verifies and pays claims more quickly. After brief public comment was invited, the committee held a roll call vote on AB 1533 and the bill was moved out of committee. The meeting then adjourned after a late-arriving member was added to the roll call for the consent calendar and AB 1533.

Transcript Highlights:

• I'm a senior attorney at the National Consumer Law Center.
• I think there's some distance between consumer advocates and industry on that one.
• The bills are to benefit consumers, your constituents, and the Commonwealth of Massachusetts.
• , and they essentially... ...whose primary interest is to protect consumers.
• We are pro-consumer all the way. And I'm sure we'll elaborate on this more in the future.

Keywords: 995, all

Summary: The committee held an informational opening hearing for the Financial Services Committee, with Chair Murphy and Senator Feeney introducing new and returning members and explaining that no bills were being heard that day beyond brief introductory testimony. Commissioner of Banks Mary Gallagher thanked the committee for last session’s money transmission modernization law, and several members echoed appreciation for her office’s work. The hearing then featured a long series of stakeholder introductions and overviews of their priorities for the session. Testimony covered a wide range of financial, insurance, housing, health care, and consumer issues. Banking and mortgage groups discussed housing affordability, foreclosure delinquencies, flood insurance, regulatory changes, and the impact of federal policy shifts. Insurance representatives raised concerns about auto and homeowners market pressures, labor rates, tariffs, rebates, e-titling, third-party litigation funding, and public adjuster restrictions. Consumer and advocacy groups highlighted debt collection reform, earned wage access, retirement savings access, public banking, and consumer protections in financial services. Several speakers also emphasized the need for committee expertise and offered themselves as resources for future bills. Health-related organizations focused on insurance mandates, prior authorization, behavioral health access, pharmacy benefit manager reform, community health center funding, maternal health and midwifery reimbursement, and anesthesia reimbursement parity. Other groups, including credit unions, retailers, auto dealers, dental and medical associations, and behavioral health providers, described their roles in the Commonwealth and previewed legislation or policy areas they expect to follow this session. No votes were taken; the meeting was informational and ended after testimony from the sign-up list and a few late additions.

Transcript Highlights:

• Robert Horell, Executive Director of the Consumer Federation of California.
• There is a set-off for any payments made by the at-fault party in any insurance.
• And so I understand the fees to me as a consumer will go down. I got that part.
• Second, the issues that the consumer attorneys have raised are real ones.
• Kim Stone, Stone Advocacy, on behalf of Consumer Watchdog in Enthusiastic Support.

Summary: The committee heard several insurance-related bills. SB 371 by Senator Cabaldon would lower uninsured/underinsured motorist coverage requirements for rideshare companies from the current $1 million level to $100,000 per person and $300,000 per incident, with added transparency and data-reporting provisions. Uber, Lyft, and several business groups supported the bill as a way to reduce fares and improve affordability, while consumer attorneys, labor groups, and others opposed it as a major cut in protection for injured passengers and drivers. Committee members raised concerns about whether savings would actually reach riders and drivers, but the bill was approved on a do-pass vote to the next committee, with one member not voting. SB 487 by Senator Grayson would change how settlement or judgment proceeds are distributed when peace officers or firefighters are injured by a third party, ensuring they receive at least two-thirds of the at-fault party’s liability insurance limits in certain cases. Supporters, including public safety unions and an injured deputy sheriff, said current law can leave injured first responders with little or no recovery after employer reimbursement, while opponents representing cities, counties, and public agencies argued the bill would reduce recovery of taxpayer-funded workers’ compensation costs and lacked sufficient data. The committee members who spoke largely supported the bill, and it passed on a do-pass vote to Appropriations, with one member not voting. SB 616 by Senator Rubio would create an independent community hardening commission within the Department of Insurance to develop statewide wildfire mitigation recommendations and a post-catastrophe reporting process. The Department of Insurance, local governments, consumer groups, and fire-related organizations supported the measure as a way to improve wildfire resilience and insurance availability, while water agencies opposed provisions touching water infrastructure and warned of litigation and ratepayer impacts. The bill advanced on a do-pass vote to Appropriations, with some members not voting and one member voting no. The committee also heard SB 547 by Senator Perez, coauthored by Senator Rubio, which would extend wildfire-related insurance cancellation/nonrenewal moratoriums to commercial properties; insurers removed their opposition after amendments, and the bill passed to Appropriations on a do-pass vote.

Transcript Highlights:

• HB number 1392 by Busey relating to the postponement of the delinquency date for a payment of ad valerum
• and security in public schools for the committee of public HB 4549 by Paul relating to the prompt payment
• Practices Consumer Protection Act for the Committee on Trade, Workforce, and Economic Development, 504565
• HB 4585 by Spiller relating to the submission, payment, and audit of certain claims for and utilization
• programs for the Committee on Human Services. 4586 by Frank relating to the prohibited direct-to-consumer

Bills: HB9, HB22, HB908, HB1392

Keywords: property tax, ad valorem tax, tangible personal property, income-producing property, business personal property, tax exemption, local government finance, appraisal district, chief appraiser, rendition statement, property tax relief, small business, commercial property, leased property, related business entity, unified business enterprise, tax situs, Texas Tax Code, local taxing unit, constitutional amendment

Transcript Highlights:

• I'm going to tell a story about one of our consumers and then talk about some of the cost estimates of
• I'm going to tell a story about one of our consumers and then talk about some of the cost estimates of
• The consumer... The consumer was unhoused and living in the Revere-Malden area in his truck.
• Consumers. So I respectfully ask that the committee act favorably upon Senate Bill 478. Thank you.
• OCES provides a wide range of services to over 20,000 consumers on an annual basis.

Keywords: 995, all

Summary: The committee heard testimony on several aging-related bills, with most speakers focusing on housing stability, home-based services, and care transitions. Representative Badger and a commissioner testified in support of H4039, which would create a universal breakfast and lunch program at senior centers funded through a new Senior Breakfast and Lunch Fund, arguing it would reduce food insecurity and social isolation among older adults. Representative Lipper-Garabedian and multiple providers then supported H780/S495, the hospital-to-home partnership program, describing how embedded aging-services liaisons help older patients transition safely from hospitals to home, reduce readmissions, and avoid nursing facility placement; witnesses from Mystic Valley Elder Services and Mass Aging Access cited pilot results, including hundreds of patients served and examples of substantial cost savings and successful discharge planning. The committee also took testimony on S478, which would require continuing care retirement communities to disclose entrance-fee refund policies more clearly at enrollment. Senator Lovely and LeadingAge Massachusetts said the bill would improve transparency for residents and families, while a consumer witness said her family experienced delays and confusion in getting a refund after her mother left a CCRC. Members noted the issue is also being examined by a special commission on CCRCs. A large portion of the hearing focused on S475, a statewide bridge subsidy program for older adults facing housing instability. Advocates from the Massachusetts Coalition for the Homeless, Western Massachusetts, Somerville, Northampton, East Hampton, Old Colony Elder Services, and Somerville’s Office of Housing Stability described rising senior homelessness, long waitlists for subsidized housing, and cases where short-term rental assistance kept older adults housed while they waited for permanent housing. Somerville witnesses said the pilot program helped nine households remain housed and that some participants have since moved into permanent housing. Members asked about wait times, program design, and how to prioritize applicants; witnesses emphasized flexibility, emergency risk, and the need for a statewide expansion. The hearing also included testimony on S465, an ALS bill that would expand home care access regardless of age and bar the use of quality-adjusted life-year metrics in coverage decisions, with the sponsor and ALS Association arguing the measure would reduce discriminatory treatment and better center patient care. No votes were taken during the hearing.

Transcript Highlights:

• In Cal Fire's advance payment report to the Legislature, the agency found that advance payments for the
• upfront would most help their organization apply for and manage grants and contract payments.
• Advance payment is, it should be a right.
• These costs don't include the time-consuming and expensive local permitting process.
• This bill gives them the ability to meet consumer demand.

Summary: The Governmental Organization Committee heard a series of bills focused largely on alcohol licensing, nonprofit funding, tribal grants, public transparency, and tobacco policy. AB 342 (Haney) would allow local governments to create hospitality zones with extended last-call hours on certain days; supporters argued it would boost tourism, nightlife, and major-event readiness, while opponents warned of alcohol-related harms and public safety risks. AB 684 (Patel) would subject the UC Board of Admissions and Relations with Schools to open-meeting requirements, with supporters saying admissions-related changes should be more transparent and allow schools time to adjust. AB 1008 (Addis) would authorize up to 10 new on-sale general licenses in San Luis Obispo County to meet tourism demand, and AB 1039 (Hart) would require state agencies to offer advance payments on new nonprofit grants and contracts, which supporters said would help cash-strapped nonprofits deliver services. AB 221 (Ramos) would revise the Tribal Nation Grant Fund to provide more predictable annual distributions to eligible non-gaming and limited-gaming tribes, and it drew broad support from tribal representatives and others. AB 795 (Jeff Gonzalez) would create a California commission for the nation’s 250th anniversary celebration, with supporters describing it as a privately funded, nonpartisan planning body. AB 828/AB 28 (Mark Gonzalez, as referenced in the transcript) would expand neighborhood-restricted liquor licenses in Los Angeles County to reduce costs and support restaurant recovery, and AB 1246 (Hoover) would increase craft distillers’ direct sales limits and address barrel-storage rules; both were supported as small-business measures. AB 1428 (Ta) would require reporting of all surplus and underutilized state land, and AB 957 (Ortega) would prohibit tobacco sales in pharmacies, with strong public health support. Several bills were voted out on motions to Appropriations, some with amendments, while others were held or left on call until quorum was established; the committee also adopted a consent calendar and left rolls open for absent members on multiple measures.

Transcript Highlights:

• We’re going to call the Assembly Privacy and Consumer Protection Committee hearing to order.
• We have San Diego Consumer Watchdog.
• So I think that we're taking the responsibility out of the hands of the consumer.
• And I wasn't voting for anything that was going to put costs on the consumer.
• We'll adjourn the Committee on Consumer Protection and Privacy. I said that backwards.

Summary: The Assembly Privacy and Consumer Protection Committee met with a new membership roster and adopted its committee rules after quorum was established. The hearing then began with AB 412, the AI Copyright Transparency Act, which would require generative AI developers to provide copyright holders notice when registered copyrighted works are used in training data. The author and supporters, including SAG-AFTRA, the Transparency Coalition, voice actors, writers, labor groups, and other creators, argued the bill would give artists a practical way to learn whether their works were used and to vindicate their rights. Opponents, including EFF, CalChamber, RIAA, CCIA, Chamber of Progress, Bay Area Council, BSA, and TechNet, said the proposal was technically unworkable, could burden startups, conflict with existing law and pending litigation, and raise federal preemption concerns. Members discussed the bill’s amendments, including a fingerprinting approach and narrowing the bill to model developers, and the committee voted 8-2 to pass AB 412 as amended to the Judiciary Committee. The committee then heard AB 446, which would prohibit “surveillance pricing,” or the use of personal data to charge different prices for the same product or service. The author and supporters, including Consumer Watchdog, UFCW, labor organizations, and consumer/privacy groups, described examples of differential pricing tied to device type, location, shopping behavior, and digital price tags, and argued the bill would protect consumers from discriminatory and predatory pricing. Business and industry opponents, including CalChamber, grocers, retailers, travel, broadband, and other associations, said the bill could conflict with the CCPA, interfere with loyalty and rewards programs, and create confusion about personalized discounts and dynamic pricing. The discussion focused on how the bill would treat loyalty programs, whether existing privacy law already covers the issue, and whether the proposal would unintentionally affect legitimate discounts and promotions.

Transcript Highlights:

• So it gets passed on to consumers. Through the cost of goods.
• If I could get those prices, I would also, but my consumers and the majority of consumers cannot afford
• If I could get those prices, I would also, but my consumers and the majority of consumers cannot afford
• Cut steaks, ground beef, everything, and keep the cost down to our consumers.
• Boone Cut steaks, ground beef, everything, and keep the cost down to our consumers.

Keywords: 996, all

Transcript Highlights:

• So, just looking at how do we define a CCRC, we're going based off of Aegis Consumer Guide and Aegis'
• And so that is something that we're going to be discussing: the payment of entrance fees and the return
• , the financial viability of sales...” “...their contracts and their impact on consumers, the financial
• viability of CCRCs, the payment and return of entrance fees, as I mentioned before, at CCRCs, statutory
• June 2nd, we're looking to hopefully look at entrance fees, including payments and returns, and then

Keywords: 995, all

Summary: The meeting was the introductory session of the new Commission on Aging and Independence focused on continuing care retirement communities (CCRCs). Co-chairs Senator Pat Jehlen and committee staff introduced the commission’s purpose, and members and stakeholders from AARP Massachusetts, the Executive Office of Aging and Independence, LeadingAge Massachusetts, SEIU Local 1199, the Alzheimer’s Association, and the Attorney General’s office briefly introduced themselves and described their interests. Several participants emphasized the value of CCRCs for aging in place, while also noting concerns about affordability, accessibility, resident rights, dementia supports, and the need for clearer complaint and oversight processes. The commission reviewed the basic definition of a CCRC, including the requirement for housing plus health-related services, a life contract, and an entrance fee, and discussed how Massachusetts law defines entrance fees and their return. Staff explained that the commission was created by Chapter 197 of the Acts of 2024 and is charged with studying CCRC contracts, consumer impacts, financial viability, entrance fees, oversight and enforcement, advertising practices, and procedures for closure or change of ownership. The commission also outlined its deadline to submit recommendations by August 1, 2025. Because quorum issues and technical problems limited the session, no substantive votes were taken. Instead, the meeting focused on logistics: members will receive a survey to suggest priorities, site visits, and outside presenters; the group plans monthly meetings with two in June; and a public hearing may be held earlier in the process so feedback can shape the agenda. Staff also noted that ethics training for members was still being arranged.

Transcript Highlights:

• Under this bill, borrowers can request an initial forbearance on their mortgage payments for up to 180
• Robert Harrell, Executive Director of the Consumer Federation of California, in strong support of this
• AB 597 is a bill that strengthens consumer protections for Californians after disasters.
• It's critical to ensure a reliable yet temporary safety net that is there when consumers need it and
• It's critical to ensure a reliable yet temporary safety net that is there when consumers need it and

Summary: The Assembly Appropriations Committee met on March 19, 2025, adopted its committee rules unanimously, and then heard a series of housing, insurance, and disaster-recovery bills. Early bills focused on wildfire relief and insurance issues, including AB 238 on mortgage forbearance for Los Angeles County wildfire survivors, AB 493 on insurance payout interest for homeowners, AB 597 on consumer protections after disasters, and AB 226 on strengthening the California FAIR Plan’s liquidity tools. Supporters generally framed these measures as necessary protections for disaster survivors and market stability, while opponents and concerned witnesses raised issues such as investor guidelines, compliance conflicts, and market disruption. Several members also noted equity concerns and the need to balance relief with consistency across the state. The committee also heard a cluster of housing-production bills. AB 306 proposed a six-year pause on new state building code updates affecting residential construction and limits on local code modifications, drawing strong support from housing and building industry groups who argued it would reduce costs and improve predictability. It also drew opposition from code, environmental, and clean-energy advocates, who warned about safety, local control, and the loss of important code updates. AB 253 would allow licensed third-party professionals to perform plan checks if local review takes 30 days or more, and AB 301 would impose state-agency permitting timelines similar to those already applied to local governments; both were presented as ways to reduce delays and speed housing development. AB 462 would exempt ADU construction from coastal development permit requirements in Los Angeles County, especially to aid fire recovery and expand housing supply. After hearing testimony and brief member discussion on each measure, the committee placed the bills on suspense or advanced them as appropriate. In the suspense hearing at the end of the meeting, the committee took up the suspense-file bills and reported AB 226, AB 238, AB 301, and AB 306 out with due pass recommendations on roll call votes. The meeting then adjourned.

Transcript Highlights:

• the 1st, 2026 with retroactive payments the 1st, 2026 with retroactive payments for<00:02:58.319
• <00:03:48.400> for receive enhanced Medicaid payments for receive enhanced Medicaid payments
• Payments<00:03:56.159> would<00:03:56.400> comply<00:03:56.799> with<00:03:57.040
• > federal<00:03:57.360> law Payments would comply with federal law Payments would comply
• Now, of course, there are the consumer.

Keywords: 00:00:00 - Call to Order/Roll Call 00:01:25 - Discussion of 26RS HB 689 00:15:15 - Roll Call Vote on 26RS HB 689 00:17:02 - Discussion of 26RS HB 407 00:45:40 - Roll Call Vote on 26RS HB 407 00:49:25 - Discussion of 26RS HB 713 00:55:50 - Roll Call Vote on 26RS HB 713 00:56:54 - Discussion of 26RS HB 676 01:06:42 - Roll Call Vote on 26RS HB 676 01:08:43 - Adjournment, 958, all

Summary: The committee first took up House Bill 689, which would authorize Kentucky to seek federal approval for a Medicaid state-directed payment program for physician and non-physician professional services delivered through qualifying hospital-affiliated groups, beginning in 2026. Rep. Amy Neighbors and witnesses from Owensboro Health and St. Elizabeth Healthcare said the bill would bring in about $29 million in new federal Medicaid dollars without using general fund money, help retain physicians, support rural and underserved access, and tie payments to quality metrics. Witnesses described staffing shortages, rising costs, and the need to sustain services such as OB care, primary care, and preventive outpatient services. After questions about how the funding would work and whether private practices were included, the committee voted on the bill and passed it with favorable expression. The committee then moved to House Bill 407, as substituted, which would streamline Kentucky’s certificate-of-need process. Rep. Marianne Proctor and supporters from the Pacific Legal Foundation and the Institute for Justice said the bill would not repeal CON but would modernize a system they described as outdated and overly restrictive, citing national trends toward reform and arguing that Kentucky’s process has changed little since the 1970s. They said the substitute added language requiring the cabinet to contact a dominant provider when needed for data to make CON determinations. Mark Gilfoil, speaking in opposition for St. Elizabeth Healthcare, argued that CON is not a barrier to care in Northern Kentucky and said the bill would weaken the process by limiting who can request hearings, present evidence, and appeal decisions, effectively giving applicants control and making approvals nearly automatic. He said St. Elizabeth serves as a safety-net hospital for low-income and publicly insured patients and warned the bill could harm that role. Members questioned both sides about the appeal process, the definition of safety-net hospitals, and whether the bill could increase facilities and create waste or abuse. The discussion was still ongoing when the transcript ended.

Transcript Highlights:

• ELRP customers don't get a payment just for being in the program.
• Which does receive a performance-based capacity payment on a monthly basis.
• Option three is the storage VPP, which is a capacity payment based on your test event.
• that Consumer Affairs Branch.
• that Consumer Affairs Branch.

Summary: The committee first heard Issue 1 on trailer bill language to redirect funding for emergency demand-response programs. The Department of Finance proposed using about $26.9 million in General Fund originally set aside for the Distributed Energy Backup Assets program to bolster the Demand-Side Grid Support Program for summer 2026, and using about $70 million in CalCHAP interest to support ratepayer-funded demand response in summers 2027 and 2028. The CEC and CPUC said they are working on a transition from DSGS to ELRP or a successor program, while the LAO noted the General Fund money would otherwise revert to savings. Members pressed the administration on whether demand response remains important, whether DSGS has been successful, and whether the state should keep funding it through the CEC rather than shifting to a ratepayer-funded CPUC program. The CEC and CPUC said the programs are not directly comparable, emphasized different cost structures and enrollment metrics, and said a CPUC rulemaking is underway with a proposed decision expected in Q3 2026. No vote was taken in the transcript. The committee then took up Issue 2, a budget proposal tied to SB 254 and the new transmission accelerator. GoBiz and the California Infrastructure and Economic Development Bank described a five-year, roughly $26 million request to staff and administer the accelerator and manage Proposition 4 and AB 1207 funds for transmission financing. Members asked about state liability, ownership of financed lines, FERC revenue requirements, and whether the program would help underserved regions and offshore wind development. Staff explained that the accelerator would only consider projects already identified through CAISO’s competitive transmission planning process, and that state financing would be a small portion of large projects intended to lower overall costs to ratepayers. The LAO said it had no specific concerns but urged the Legislature to ensure the final language matches its intent. The committee also heard Issue 3 on petroleum market oversight. The CEC and its Division of Petroleum Market Oversight requested additional positions and funding to implement ABX2-1 and continue work on supply stabilization, refinery monitoring, and transportation fuels analysis. Members questioned why the work was funded through the Energy Resources Programs Account, whether existing staff from the paused price-gouging work could be reassigned, and whether the program had produced evidence of price gouging or improved supply conditions. CEC and Finance said the new positions are needed because the workload has expanded, while some existing staff remain on related analysis and reporting duties. The discussion ended without a vote in the transcript.

Transcript Highlights:

• I will say Consumer Federation of America has also been looking at this issue and has collected quite
• I will say Consumer Federation of America has also been looking at this issue and has collected quite
• I will say Consumer Federation of America has also been looking at this issue and has collected quite
• I will say Consumer Federation of America has also been looking at this issue and has collected quite
• I will say Consumer Federation of America has also been looking at this issue and has collected quite

Keywords: 1183, house

Transcript Highlights:

• In other cases, our consumer division will begin to hear from consumers about a problem they're having
• 21:38.799> that hear from consumers about a problem that hear from consumers about a problem that
• they're going to be seeking payment they're going to be seeking payment anytime<01:23:39.400>
• in from employers for the tax payments in from employers for the tax payments those<01:30:30.719
• We save lease payments, so that's good.

Keywords: 928, house, all

Summary: The committee heard testimony from Insurance Commissioner DJ Bettencourt on the New Hampshire Insurance Department budget. He said the department is self-funded through assessments on insurers based on New Hampshire premium volume, with about $8 billion in premiums written in the state and a department budget of roughly $15.5 million. He explained that the department has 88 authorized positions, eight vacancies, and that three full-time positions were unfunded after the governor’s requested 4% reduction exercise. He also said the department is trying to balance staffing needs with not overburdening carriers during a hard insurance market. A major topic was the department’s $2.6 million rebate to industry from the prior fiscal year, which Bettencourt described as a credit against the next assessment rather than a direct cash payment. Members questioned why that credit was not reflected as a reduction in the upcoming budget, and Bettencourt and staff explained that the budget assumes full staffing and full spending, with any year-end surplus returned to insurers. The commissioner said the department had added staff in recent years for succession planning and to preserve institutional expertise, and that the rebate reflects careful budgeting rather than excess spending. Members also asked about staffing changes by division, including positions unfunded in fraud, property and casualty examinations, life and health examinations, and tax. Bettencourt said fraud investigations remain strong and that the department can use outside contractors for examinations, with those costs billed to the company being examined. He also described the department’s examination process, including periodic financial exams and targeted market conduct reviews triggered by consumer complaints or trends. Additional questions covered OIT transfers, the department’s oversight of fully insured health coverage, the insurance premium tax and fines going to the general fund, and the department’s limited role in auto repair reimbursement disputes, where he said complaints have recently declined.

Transcript Highlights:

• <00:51:30.920> from requirements to receive payments from requirements to receive payments
• terminated licenses, it includes payment terminated licenses, it includes payment of<01:03:48.800
• uh relates to waving notice to consumers uh relates to waving notice to consumers when<01:25:50.520
• away<01:31:53.600> somebody's payments you're taking away somebody's payments you're taking
• <02:33:19.840> of requiring mandatory vendor payment of requiring mandatory vendor payment

Keywords: 1187, senate, all

Transcript Highlights:

• And in both cases, there was an agreed abatement and a payment of attorney's fees.
• So if we increase the cost of pipeline and move water, that increases the cost of the end consumer at
• Now, so it's going to cost the consumer a total of $315,000, right?
• It's an extra $100 that someone's paying at the current mortgage rates on their monthly payment.
• They can't afford to pay the extra $10,000 right off the top and also make their down payment.

Summary: The committee first took up House Bill 5695, which would create the Sayers Ranch Municipal Utility District in Bastrop County between Elgin and Bastrop. Representative Gurdis said Bastrop County commissioners unanimously supported the district. There was no public testimony, the bill was left pending, and later reported favorably to the full House on an 8-0 vote. The main debate centered on Senate Bill 291, which would require condemning entities to pay landowner attorney’s fees if they fail to provide 10 years of appraisal reports with an initial offer in an eminent domain case. Supporters, including Rita Beving and Charles Maley, argued the bill would add an enforcement mechanism and better protect landowners in a process they described as intimidating and lopsided. Opponents, including Tom Zabel and Lisa Kaufman, said current law already provides a remedy through abatement and attorney’s fees under Section 21.047 of the Property Code, and warned the bill could create inconsistency, delay public infrastructure projects, and increase costs. The bill was left pending. The committee also heard House Bill 5699, a simple MUD boundary change in Harris County Municipal Utility District No. 405 that would allow a tract to leave one district and join another. Representative Schofield said the landowner and district agreed to the change and to pay the tract’s share of debt. The committee substitute was adopted and the bill was reported favorably on an 8-0 vote. Later, the committee considered House Bill 5489, which would impose a four-year moratorium on impact fees. Representative Dyson framed it as an “active study” to test whether impact fees raise housing costs. College Station officials and other opponents argued impact fees help fund infrastructure for growth and that local governments should retain control; supporters said the fees are regressive and add to housing prices. The bill was left pending. The committee then heard Senate Bill 292, which would update the Landowner Bill of Rights to add information on surveys, require separate offers for property not sought in condemnation, and require the rights document to be delivered with the initial offer. Supporters said it would improve transparency and fill gaps in the current document, while opponents said it was unnecessary because the law already exists and warned against revisiting a 2021 compromise. The transcript ends during that discussion.

Transcript Highlights:

• I'm Donald C., the Consumer Advocate.
• However, complaints... consumer protection act um in section consumer protection act um in section four
• helping to helping consumers to realize helping to helping consumers to realize more<00:30:13.080>
• fine-tuning regarding the Consumer fine-tuning regarding the Consumer complaint complaint complaint
• <00:58:12.720> are requirement for when those payments are requirement for when those payments

Keywords: 1191, senate, all

Transcript Highlights:

• So the banking department is a consumer So the banking department is a consumer protection<01:59
• and understand what Google payments and understand what Google payments<02:05:39.040> is<02:05
• It's the consumer credit by that.
• > for premium or when the consumer is up for premium or when the consumer is up for renewal<02
• to impact any future settlement payments to impact any future settlement payments the<03:15:52.239

Keywords: 1191, senate, all