Transcript Highlights:

• And we've been advocating in our meetings with the White House for a cross-agency comprehensive task
• It does take all of us and all the cross-agencies to combat this every day.
• And that's the improper or illegal use of an individual's funds or property.
• how people... ...it's inexplicable how people's information is out there and being used for some illegal

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members and witnesses describing scams targeting seniors, small businesses, and working families. The committee first approved the November 3, 2025 minutes, then heard from the Arkansas Bankers Association, the American Bankers Association, banks, the Attorney General’s Consumer Protection Division, the Arkansas Mortgage Bankers Association, the State Bank and Securities Department, the Insurance Department, and AARP. Witnesses described common schemes including spoofed bank calls and texts, government imposter scams, romance and investment scams, business email compromise, fake job postings, gift card scams, check fraud, wire fraud, reverse mortgage scams, identity theft, and insurance fraud. Several witnesses emphasized that cryptocurrency kiosks and crypto transfers make recovery difficult or impossible, and that artificial intelligence is making scams more convincing and scalable. Witnesses repeatedly stressed education, verification, and coordination among banks, law enforcement, regulators, and consumers. Bank and mortgage representatives urged consumers to slow down, independently verify wire instructions, avoid clicking unexpected links, use tap-to-pay rather than chip or swipe when possible, and never share account credentials or one-time codes. The Attorney General’s office said it investigates consumer complaints, mediates disputes, works with social media platforms to remove scam ads, and recently created a Financial Fraud Task Force with bankers and other stakeholders. The State Bank and Securities Commissioner highlighted the Safe AR Act, the state’s crypto kiosk framework, and fraud education efforts such as “fraud bingo,” while the Insurance Department described its law-enforcement role and a range of insurance-related fraud schemes it prosecutes. AARP said fraud is widespread and underreported, especially among older adults. Members asked about reporting scams, how losses are handled, whether tap is safer than chip, how crypto fraud works, whether Arkansas has model legislation to address telecom and social media impersonation, and how local law enforcement and state agencies coordinate investigations. Witnesses said banks generally absorb much of the financial loss under federal rules, while consumers bear the inconvenience and account changes. Several witnesses said Arkansas should consider additional legislation to hold telecom companies and social media platforms accountable for spoofed caller IDs and impersonation ads, and one witness said a federal Scam Act is moving in Congress. No additional votes or formal actions were taken beyond approval of the minutes, but witnesses agreed to share consumer education materials and model legislation with committee staff.

Transcript Highlights:

• still questions about who coordinates the mitigation if it involves non-transportation offsets or crosses
• What if it crosses the jurisdiction into Scott County or Hennepin County, and how do they coordinate
• This was, I believe, illegally paused, and this is usurping the power of Congress.
• Promise program came about in the last few years, this program has allowed for people who are here illegally

Transcript Highlights:

• Crossing across from Q2 Stadium, where Austin FC plays, would be prohibited, despite the area's growth
• Senator Cross? Aye. Senator Collins? Aye. Chairman Wolfson? Aye. Chairman Gatto? Aye.
• discriminate against those seeking affordable housing, and they do it knowing full well their ordinances are illegal
• When I met with the commissioner, he looked at me and said, "You know, I told him they were illegal."

Bills: HB22 , SB250 , SB375 , SB536 , SB845 , SB1633 , SB1944 , SB1957 , SB2081 , SB2137 , SB2262 , SB2299 , SB2419 , SB2452 , SB2522 , SB2549 , SB2594 , SB2605 , SB2631 , SB2639 , SB2675 , SB3029 , SJR60 , HB22 , HB1392 , HB2525

Committee: Senate Local Government

Transcript Highlights:

• But, you know, we're not crossing that bridge now because we're not there. Thank you, gentlemen.
• want to take a ride to, you know, from point A to point B that's 17 miles down the road, and they cross
• And that's why it is already illegal.
• So theoretically, to enforce the statute, we would have to cross-reference the website from 2016 to be
• So theoretically, to enforce the statute, we would have to cross-reference the website from 2016 to be

Committees: House Emerging Issues , House Emerging Issues and Professional Registration

Transcript Highlights:

• Although price fixing is still illegal, industries are pushing the boundaries, and they're looking for
• collusion, and it does ...problems by making it clear that algorithmic collusion is just as illegal
• The paradox of an illegal price-fixing agreement is that no one agrees to do something illegal in public
• The paradox of an illegal price-fixing agreement is that no one agrees to do something illegal in public
• It is like saying that meth is illegal, but then allowing meth to still be produced.

Summary: The committee heard several bills, beginning with AB 2, which would create enhanced civil penalties for large social media companies when negligence proven in court causes harm to children and teens. The author and supporters argued the bill is needed to address addictive algorithms and harmful content, while opponents warned it was vague, could chill speech, and might be preempted by federal law. Members largely focused on whether the bill changed the standard of care or burden of proof; the bill passed out of committee on a roll call vote, with some members noting concerns but supporting it to continue the discussion. AB 282, dealing with housing vouchers and source-of-income discrimination, would clarify that housing providers may prioritize applicants who qualify for rental assistance without violating fair housing law. Supporters from housing authorities, local governments, and advocacy groups said it would help voucher holders find units and improve use of housing funds. There was no opposition, and the bill passed to Appropriations on a roll call vote, with two no votes. The committee also considered AB 882 on court reporter availability and electronic recording in certain cases when a court reporter is unavailable. Supporters said the bill is a temporary, narrowly tailored response to a shortage of reporters and would preserve access to accurate records, while opponents argued it was too narrow, raised access-to-justice concerns, and should be broadened. Members from both sides emphasized the importance of court reporters and electronic recording as a backup; the bill passed with an urgency clause and was sent to Appropriations. The committee then heard AB 325 on algorithmic price fixing, AB 935 on civil rights data clarity, AB 1414 on tenant choice of internet service provider, and AB 67 on Attorney General enforcement of the Reproductive Privacy Act; each drew support from sponsors and advocacy groups, opposition centered on overbreadth or policy concerns, and each advanced on committee votes, with several members requesting further amendments or clarification.

Transcript Highlights:

• now examining them, and we were there three years ago when we identified a problem where they were illegally
• now examining them, and we were there three years ago when we identified a problem where they were illegally
• So are you saying that you do not have the authority to correct illegal actions? Go ahead.
• Insurance issue, the availability of it, but also that phrase, illegal—excuse me—willful or wrongful
• Now, in the context of a legal document, wrongful means illegal, really.

Committee: Senate Insurance

Transcript Highlights:

• I am going to correct whether or not the border crossed them.
• We're changing what we have commonly called, depending on who you are, illegal immigrant, illegal alien
• But I do, Madam Speaker and gentlelady, want to go back to this idea that the border crossed them.
• About either legal or illegal immigration or those who are here legally or not legally.
• So anyone who is in the state with current definitions of illegal status or non-resident status...

Bills: HB111 , HB103 , HB109 , HB128 , HJM2 , HJM3 , HM7 , HM17 , HM4 , HM22 , HM23 , HM24 , HM26 , HM2 , HM16 , HM11 , HM14 , HM21 , HM34 , HM50 , HB49 , HB60 , HB108 , HB120 , HB124 , HB145 , HB154 , HB158 , HB164 , HB180 , HB291 , HJR6 , HJR7 , HR1 , HJM1 , HM13 , HM47

Keywords: water law, state engineer, civil penalty, compliance order, water rights, overdiversion, illegal diversion, groundwater storage and recovery, well license, permit violation, water enforcement, New Mexico water code, irrigation district, conservancy district, water diversion, unauthorized water sales, measuring device, district court appeal, water resources, water compliance

Transcript Highlights:

• Bettina Cross, small business owner of Crystal Vine... Thank you.
• Bettina Cross, small business owner of Crystal Vives LLC, in support.
• It's illegal. Goodbye laundry list.
• Will the Olympics be illegal? Identity. And we have to ask, who is this protecting?
• It's about whether the action is illegal and violates state law or the state constitution.

Summary: The committee heard several bills, with testimony largely focused on transparency, public health, labor enforcement, health privacy, high-speed rail oversight, and antitrust policy. AB 1544, by Assemblymember Crowell, would strengthen transparency and access to courthouses; the author said it was aimed at protecting press and public access, and the bill was pulled pending quorum. AB 1604, by Assemblymember Stephanie, would ban BPA and other bisphenols in thermal receipt paper by 2027-2028; supporters from Breast Cancer Prevention Partners, Californians Against Waste, and a broad coalition argued receipts are a major source of toxic exposure and recycling contamination, while the author said she would continue working with opposition. AB 1859, by Assemblymember Jackson, would let Joint Labor Management Committees visit public works sites to help identify wage and safety violations; labor groups supported it as a low-cost enforcement tool amid a large wage-theft backlog, while contractors and local government groups opposed it as creating private enforcement, liability, and safety concerns. The committee later took up AB 1930, by Assemblymember Burr and sponsored by Attorney General Bonta and Equality California, which would require notice to the Attorney General before certain entities respond to subpoenas or inquiries involving legally protected reproductive or gender-affirming care; supporters framed it as a patient privacy and anti-intimidation measure, while opponents said it would shield providers from scrutiny and interfere with lawful investigations. The bill was approved on a 6-2 vote and placed on call. The consent calendar, including several unrelated bills, was also approved. The committee also heard AB 1584, by Assemblymember Jackson, which would create an Office of Civil Rights within the California Air Resources Board to provide training, language access, and compliance oversight. Supporters said CARB needs a stronger legal framework and dedicated office to enforce civil rights commitments, while an opponent argued CARB already has a civil rights office and should expand existing structures instead of creating a new one. The bill was moved to Appropriations after a roll call vote. AB 1608, by Assemblymember Wilson, would expand the powers and staffing tools of the High-Speed Rail Office of the Inspector General, including public reporting requirements and authority over classifications and purchasing; supporters said stronger independent oversight is needed for the costly project, while opponents criticized the project itself and raised concerns about confidentiality and who should receive reports. The bill was also passed to Appropriations after extended discussion. Finally, AB 1776, by Assemblymember Aguiar-Curry, would revise California antitrust law to address single-firm conduct under the Cartwright Act. Supporters, including small business and labor advocates, argued dominant firms can harm competition and that the bill would protect small businesses and workers; opponents from business, biotech, retail, housing, and other sectors warned it would create legal uncertainty, expand litigation, and chill investment. The transcript ended during that bill’s testimony and debate, before a final vote was taken.

Transcript Highlights:

• an equally dangerous drug that has been around for quite a while, but has recently seen a surge of illegal
• This bill only touches the person's illegally transporting can't mean in our state and give judicial
• And I do very hope and I know with such a capable author that this bill will cross the finish line...
• With such a capable author that this bill will cross the finish line this year and be able to provide
• There are illegal events where participants block roads or parking lots to perform dangerous vehicle

Committee: House Public Safety

Summary: The committee heard several public safety and criminal justice bills. AB 837 by Assembly Member Davies would add ketamine transportation to existing drug-trafficking law; supporters, including district attorneys and law enforcement groups, said the bill closes a loophole and addresses a growing public safety threat, while opponents argued increased penalties do not reduce drug supply and can discourage people from seeking help. The bill passed on a due pass as amended vote to Appropriations. AB 352 by Assembly Member Pacheco would make threats against judges and court commissioners an aggravating factor in sentencing; supporters cited rising threats to the judiciary, while opponents said existing law already covers threats and aggravating factors. The committee approved it on a due pass vote to Appropriations. AB 938 by Assembly Member Bonta would expand vacature and affirmative defense relief for survivors of human trafficking, intimate partner violence, and sexual violence, including for some violent offenses, and featured powerful testimony from survivor Susan Bustamante and vacature expert Jamie Beck. Supporters said the bill would let survivors tell their full stories and seek justice; opponents, including district attorneys and sheriffs, warned it could go too far by covering violent crimes and could affect public safety. The chair recommended an aye, and the bill passed to Appropriations. AB 475 by Assembly Member Wilson would make prison work assignments voluntary and was framed as part of efforts to end involuntary servitude; supporters linked it to rehabilitation and racial justice, while one member opposed it as inconsistent with accountability and the will of voters. The measure was moved on but left on call pending additional votes. AB 704 by Assembly Member Lowenthal would allow people convicted of low-level misdemeanors before age 26 to petition to seal and destroy records, with supporters emphasizing brain development and the limits of expungement in the digital age. District attorneys opposed it over Brady/discovery concerns and the destruction of records, but the chair recommended aye and it passed to Appropriations. AB 812 by Assembly Member Lowenthal would expand resentencing opportunities for incarcerated firefighters; supporters highlighted the rigor of fire camp work and rehabilitation benefits, while the district attorneys’ association opposed giving firefighters independent petition authority. Testimony on AB 812 was still underway at the end of the excerpt, and no final vote was shown.

Transcript Highlights:

• Affairs Committee, a concurrent resolution stating findings of the legislature and supporting wildlife crossings
• 697 by the Judiciary, Rules and Administration Committee, an act relating to elections, relating to illegal
• number of issues brought up with a group that does some oxen and wagons, and they do some river crossings
• Beef-on-dairy refers to the cross-breeding of dairy cows with beef bulls.
• Beef-on-dairy refers to the cross-breeding of dairy cows with beef bulls.

Transcript Highlights:

• Maybe a statutory cross-reference so that we can be assured that what we're all talking about here today
• reference so that we can be cross reference so that we can be assured<00:25:58.679><c> that</c><00:25
• </c> looking for a simple statutory cross looking for a simple statutory cross reference<00:27:20.480
• Behavior I knew exactly what in illegal Behavior I knew exactly what would<01:56:46.000><c> happen</
• What happens is that firearms kind of travel in the black market, in the illegal stream of commerce,

Committee: Senate Judiciary and Public Safety

Transcript Highlights:

• with the one of the men on the cross with the one of the men on the cross with the Lord Jesus Remember
• in that we won't we don't want illegals in that we won't we don't want illegals in but at the end of
• in World War I and World War II Cross in World War I and World War II Cross in World War I and World
• and W you get brown or black and illegal and W you get brown or black and illegal and W you get out
• flag with that cross had that that the flag with that cross had that that the flag with that cross on

Bills: SB 26 , SB 28 , SJR 36 , SB 616 , SB 565 , SB 384 , SB 28 , SB 28 , SR 131 , SR 168 , SR 174 , SR 175

Transcript Highlights:

• Sidewalks and crossings are shared spaces, and right now the rules haven't caught up with how fast and
• the camera enforcement of traffic violations for red light running, speeding in a school zone, and illegally
• the camera enforcement of traffic violations for red light running, speeding in a school zone, and illegally

Bills: S0382 , S0628 , S0654 , S0696 , S0880

Committee: Senate Appropriations Committee on Transportation, Tourism, and Economic Development

Transcript Highlights:

• FDA labeled Walgreen's the worst-offending pharmacy chain, reporting that up to 22% of the stores illegally
• an emergency room they shouldn't be sent home empty-handed simply because of an outdated policy or illegal
• As for cross-border practice or mobility, This has been an integral part of the accounting profession

Committee: House Business and Professions

Transcript Highlights:

• It doesn't appear that it's some global change, at least for the Cross Act that we've looked at.
• These tracts are also magnets for illegal dumping, overgrown vegetation, and safety concerns for surrounding
• We're trying to get rid of the illegal dumping and eliminate those unsafe properties.

Bills: SB1079 , SB1243 , SB1504 , SB1579 , SB1708 , SB1844 , SB1851 , SB1879 , SB1921 , SB1951 , SB2237 , SB2238 , SB2406 , SB2407

Committee: Senate Local Government

Transcript Highlights:

• Any questions on the illegal? Any questions? Okay. Seeing no questions.
• Appraiser's website and the county in which they're renting to determine who the actual owner is to cross
• If there is fall speech misleading speech, if you are soliciting people to engage in illegal activities

Transcript Highlights:

• illegal on a ballot?
• </c><01:15:00.440><c> warrant</c> one where it's an illegal warrant one where it's an illegal warrant
• </c> if the Amendments made would be illegal if the Amendments made would be illegal then<01:15:23.000
• </c> warrant article is illegal isn't that warrant article is illegal isn't that usually<01:16:04.040
• illegal on a usually mocked illegal on a ballot<01:16:07.080><c> I'm</c><01:16:07.199><c> not</c><01

Committee: House Municipal and County Government

Transcript Highlights:

• Francisco, in support because we know how it is happening with all the children that are coming and cross
• So my old case recorder wouldn't apply, but those would be considered illegal to use just in everyday
• And use it, that would be illegal because I'm not allowed to have that.
• But let's say you're on vacation and you buy something and you didn't know that it was illegal here.
• And then if that's the case that those are then illegal, are you expecting Meta to then give me a new

Committee: House Privacy and Consumer Protection

Transcript Highlights:

• Let's defund the illegal aliens. Let's defund the sanctuary jurisdictions.
• We added a 1% remittance fee on illegal aliens. 1% remittance fees on illegal aliens last year in the
• illegal aliens back.
• ...Medicaid, making sure that illegal aliens couldn't get welfare benefits in Medicaid.
• They shouldn't have to go to Aetna or Blue Cross.

Transcript Highlights:

• Even though it may be illegal, the employee is still doing it.
• Even though it may be illegal, the employee is still doing it.
• , it's illegal.
• ,</c><00:18:27.560><c> it's</c><00:18:27.720><c> illegal.
• </c> might be illegal, it's illegal. might be illegal, it's illegal.