Transcript Highlights:

• I mean, maybe some data would help.
• They already possess the property data.
• They already possess the property data.
• They already possess the property data.
• In addition, including the most recent FAIR Plan premium data and data files would improve insurers'

Committee: House Insurance

Transcript Highlights:

• This bill also contains nation-leading driver data protections and prohibits driving data from being
• Additionally, the sensitive data that AB 311 authorizes collecting will flow to data brokers, law enforcement
• Additionally, the savings that AB 311 promises to California consumers have not materialized for consumers
• data.
• data.

Summary: The committee heard several insurance-related bills. AB 69, AB 1554, and AB 1680 all focused on California’s insurance market and the Fair Plan. AB 69 would require clearer notices to Fair Plan policyholders about coverage options, quarterly public reporting on clearinghouse programs, and additional broker/agent training to help depopulate the Fair Plan while preserving consumer choice. AB 1554 would require the California Earthquake Authority to post its annual report online and send it to relevant committees, and would direct the Insurance Commissioner to convene a working group on incorporating hazard mitigation into risk-transfer recommendations. AB 1680 would require the Fair Plan to comply with CDI examination findings, hire more staff, and improve clearinghouse operations; the Fair Plan moved from opposition to neutral after amendments, and the department said the bill would strengthen accountability and consumer protections. These bills were held pending quorum or taken up later, with authors requesting aye votes. AB 2198, by Assemblymember Rodriguez, would clarify title insurance rate-filing rules by specifying that title insurers file title rates and underwritten title companies file escrow rates, reducing duplicative filings and requiring rate schedules to be posted online. The California Land Title Association supported the bill, saying it codified longstanding practice and improved transparency, while the department continued discussions about possible revisions. The bill was left open for further questions and a later vote. AB 1795, by Assemblymember Gibson, would create statewide standards for inspecting, testing, and remediating smoke damage in wildfire-affected homes. The author and the Department of Insurance said the bill would establish science-based standards, protect survivors from unsafe reentry, require training and certification for relevant professionals, and improve claims handling; the department also described serious gaps found in its Fair Plan examination and recent wildfire claims. Insurers and some residents opposed or opposed unless amended, arguing the bill was still too broad, could raise costs, relied too much on industry standards, and left unresolved issues about legal standards, timing, and coverage. The bill remained under discussion, with the author saying negotiations would continue. AB 311, by Assemblymember McKinnor, would create an optional telematics-based auto insurance program to reward safer driving and improve road safety. Supporters, including road-safety advocates, victims’ families, and some insurance representatives, argued telematics could reduce speeding and distracted driving and save lives. Opponents, including privacy and consumer groups, argued the bill would create opaque surveillance pricing, undermine Prop. 103, and raise privacy and fairness concerns. After extensive debate, the committee passed the bill on a 3-0 vote and placed it on call. AB 1798, by Assemblymember Wilson, would bar life and disability insurers from using non-diagnostic genetic information from direct-to-consumer or other predictive genetic testing to deny coverage or raise premiums, while preserving use of medical history and family history and allowing consideration of certain high-value policies above $1.5 million. Supporters said the bill would reduce genetic discrimination and encourage testing; insurers argued genetic information is relevant to underwriting and warned the bill could raise costs and create inconsistencies. The committee chair and members noted the bill was close to agreement but still needed work, and the bill was moved with a 3-0 vote and placed on call.

Transcript Highlights:

• NUMBER ONE, HELP THE CONSUMER HELP US ENGAGE THE CONSUMER TO HAVE A PORTAL TO UNDERSTAND THEIR RISK AND
• AND THERE IS A COST TO IT HOWEVER TO THE CONSUMER.
• BUT WE NEED TO SEE EXPERIENTIAL DATA AROUND IT.
• SOME DATA WE CAN SHOW THEM. >> WE HAVE EXTENSIVE DATA ON ROOF TYPES AND THEIR RESILIENCY OVER TIME IN
• -- BHS HAS DATA AS WELL THAT IS EMPIRICAL AND SOUND.

Transcript Highlights:

• of data sets used to train generative AI, as well as whether the data sets included copyrighted data
• control over their data.
• control over the data.
• to adjust the price of goods based on their individualized data and ensure consumers have the right
• CCPA data, aggregate data, I should say, under the CCPA, as if it were personal information.

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:

• WHAT WE HAVE NOW IS A DATA SET FROM 2022 AND THE DATA SET FROM 2023.
• IT IS NOT AS FAST MOVING AS A DATA SET.
• ANSWER YOUR IMMEDIATE QUESTION, YES WE DO HAVE DATA IN THE DATA SET THAT SHOWS WHAT EACH COMPANY IS
• COMPLAINTS, WE BUILT A DATA ANALYTICS SHOP WITH A MARKET CONDUCT TO DO JUST THAT TO MINE THE DATA AND
• I WANTED TO KNOW IF THE DATA WAS INCLUSIVE OF THE RATES IN SOUTH FLORIDA. >> THE DATA IS INCLUSIVE OF

Transcript Highlights:

• But, you know, de-identified data is the scrubbing of data to remove all personal identifying information
• There are parts about the data uses and things like that that would not be personally identifying data
• De-identified data means data that can reasonably be linked to an identified or identifiable individual
• How they're protecting biometric data, how they're de-identifying data in compliance with the law, just
• Of course, we have data privacy protections, understanding more about data collection.

Summary: The Committee on Commerce and Tourism considered a series of bills affecting tax policy, workforce development, business regulation, consumer protection, rural development, and artificial intelligence. SB 1076 would raise Florida’s research and development tax credit cap from $9 million to $50 million beginning with the 2027 allocation, and it was reported favorably. CS/SB 1266 would create a cybersecurity experiential internship and clearance-readiness program with the Department of Commerce and Cyber Florida; an amendment removed an appropriation from the bill, and the committee reported it favorably. SB 554, a broad update to Florida’s not-for-profit corporation law, was also reported favorably after supportive testimony from Florida Bar representatives. SB 1004, aimed at protecting buyers of dogs and cats from deceptive sales and predatory financing practices, received strong support from animal welfare advocates and was reported favorably. SB 1074, which provides rounding rules for cash transactions if pennies are unavailable, was likewise reported favorably. SB 214, expanding the rural community definition to include special districts in rural counties for economic development purposes, was reported favorably. SPB 7030, a public records exemption tied to Department of Legal Affairs investigations, was adopted as a committee bill and favorably reported. The committee also heard extensive discussion on SB 998, the Department of Commerce package. The bill would modernize the Florida Small Cities Community Development Block Grant program, clarify rural community eligibility for certain unincorporated areas, exempt military entities from a reverter clause on land conveyances, and revise E-Verify enforcement procedures. Members questioned the E-Verify provisions, including penalties, protections for workers incorrectly flagged, and the treatment of gig workers. Senator Smith opposed the bill, arguing it creates unequal treatment between employers and immigrant workers, while Senator Wright supported the military-related provisions. Despite the debate, SB 998 was reported favorably, with Senators Bracy Davis, Smith, and Errington voting no. The committee also took up SB 482, an “Artificial Intelligence Bill of Rights” that would create consumer protections for companion chatbots, require parental consent and access for minors, mandate periodic disclosures that users are interacting with AI, restrict certain uses of personal data and likenesses, and give the Attorney General enforcement authority. The bill drew both support and criticism: supporters emphasized child safety, transparency, and consumer protection, while opponents raised concerns about privacy, broad definitions, lack of audit mechanisms, and the absence of a private right of action for adults. Senators Smith and Davis urged clearer definitions and stronger accountability, but both said the bill was a starting point. The committee reported SB 482 favorably. The meeting ended with recorded affirmative votes requested by Senators Yarbrough, Wright, and Davis on selected tabs, and the committee adjourned.

Transcript Highlights:

• In other words, insurers can still evaluate that consumers remain in control of deeply personal data
• data.
• And while California has been a national leader in protecting consumer data, we have not yet extended
• AB 2169 gives consumers the right to take their data with them.
• But I certainly think there's a massive consumer benefit to controlling all the data that you've put

Summary: The committee heard several bills focused on privacy, accessibility, labor, and public safety. AB 1798 by Assemblymember Wilson would bar life and disability insurers from using non-diagnostic genetic information, including direct-to-consumer test results, in underwriting. Supporters argued the bill would protect privacy and encourage genetic testing, while insurers opposed it as unnecessary and said genetic data should be treated like other predictive health information. The bill passed the committee on a 7-0 vote and was held open for absent members. AB 2190 by Assemblymember Wallace would create website accessibility standards based on WCAG guidelines and add affirmative defenses intended to reduce serial litigation while improving access for people with disabilities. Disability advocates supported the measure as a needed civil-rights update, while business groups warned it could increase liability and create unclear compliance obligations. The bill passed 9-0 and was sent to Appropriations. AB 2721 by Assemblymember Carrillo would require hotels to post notice when they know or should know that U.S. Customs and Border Protection or ICE are using the premises, with supporters saying workers and guests deserve transparency and safety. Hotel and business groups opposed it, citing privacy, liability, and concerns about interfering with federal operations. The committee voted 6-2 to pass the bill to Appropriations, with the roll left open. AB 2027 by Assemblymember Ward would restrict employers from using worker data to train AI systems that replace workers and limit sharing of worker data for automation; labor groups supported it and business and public-sector groups opposed it as too broad. The bill passed 7-2 to Appropriations, with the roll left open. The committee also heard AB 1837 by Assemblymember Mark Gonzalez, which would extend and tighten privacy rules for transit agencies’ use of forward-facing cameras to enforce bus-lane violations; supporters said the cameras improve transit flow and safety, and the bill was presented with amendments, though no final vote is reflected in the transcript excerpt.

Transcript Highlights:

• Consumers can delete their data. It has been vetted by other states.
• </c> consumers genetic data. consumers genetic data.
• </c> Consumers can delete their data. Consumers can delete their data.
• </c><01:09:03.240><c> genetic</c><01:09:03.720><c> data</c> the privacy of any consumer genetic data
• Direct-to-consumer genetic testing companies are not permitted to disclose consumer genetic data to an

Transcript Highlights:

• There are parts about the data uses and things like that that would not be personally identifying data
• De-identified data means data that can reasonably be linked to an identified or identifiable individual
• , how they're... ...how they're protecting biometric data, how they're de-identifying data in compliance
• Section 501.996’s de-identified data safeguard is very weak; such data is frequently re-identifiable,
• Of course, we have data privacy protections and a better understanding of data collection.

Bills: S0214 , S0482 , S7030 , S0554 , S0994 , S0998 , S1004 , S1074 , S1076 , S1266

Committee: Senate Commerce and Tourism

Summary: The Committee on Commerce and Tourism heard and advanced several bills focused on economic development, consumer protection, workforce issues, and technology. SB 1076 would raise Florida’s research and development tax credit cap from $9 million to $50 million beginning with the 2027 allocation, and it was reported favorably. SB 1266, as amended, creates a cybersecurity experiential internship and clearance-readiness program with Cyber Florida and was also reported favorably. SB 554, a Florida Bar-backed update to the not-for-profit corporations statute, was approved without opposition. SB 1004, aimed at protecting buyers of dogs and cats from deceptive sales practices and predatory financing at retail pet stores, received supportive testimony from animal welfare advocates and was reported favorably. SB 1074, which sets rounding rules for cash transactions if pennies are unavailable, also passed favorably. The committee also considered SB 998, the Department of Commerce package, which combines updates to the Small Cities CDBG program, clarification of rural community eligibility, an exemption from a reverter clause for military-related land conveyances, and revisions to E-Verify enforcement. The E-Verify portion drew the most debate, with questions about employer cure periods, treatment of current investigations, and whether the bill creates a loophole for independent contractors. Senator Smith opposed the bill, arguing it creates unequal enforcement between employers and immigrant workers, while Senator Wright supported the military-related provisions. SB 998 was reported favorably on a divided vote. SB 214, which expands the rural community definition to include special districts in rural counties, was reported favorably. The committee then took up SB 482, an artificial intelligence consumer-protection bill that creates an “AI bill of rights” covering companion chatbots, parental controls for minors, data privacy, de-identified data, unauthorized use of likeness, and enforcement by the Attorney General, with a limited private cause of action for minors. The bill drew extensive testimony both in support and in opposition, including concerns about privacy, age verification, and enforcement, but it was reported favorably. Finally, the committee approved SPB 7030, a public-records exemption tied to Department of Legal Affairs investigations under the AI bill, and adjourned after members requested to be recorded on certain votes.

Transcript Highlights:

• of California and Consumer Watchdog.
• exchanges versus data exchanges?
• So non-public data, non-public competitor data specifically, refers to those competitively sensitive
• And so I think that as we look at data and the power of data, that's what this is really focused on.
• I think there are answers to those that do not hurt the consumer but would be better for the consumer

Committee: House Judiciary

Summary: The committee heard several bills, beginning with SB 27, a CARE Court cleanup measure by Senator Umberg. The bill would require courts to consider CARE referral for certain misdemeanor defendants found incompetent to stand trial, combine some hearings, expand data sharing among licensed medical professionals, and broaden eligibility to include mood disorders with psychotic features. Supporters said the bill would clarify the meaning of “clinically stabilized,” streamline the process, and help more severely ill people get treatment; opponents argued it would greatly expand the program without enough housing, staffing, or resources and could sweep in people who can make their own decisions. The committee members raised concerns about scope and resources but ultimately voted to pass SB 27 to the Health Committee, with the bill placed on call. The committee then took up SB 82, which would limit consumer arbitration clauses to disputes arising from the specific product or service the consumer agreed to buy, aimed at stopping “infinite arbitration clauses” that force unrelated claims into arbitration. The author and supporters described cases where consumers were compelled to arbitrate claims involving corporate affiliates or unrelated incidents, while opponents warned the bill was too restrictive and should be clarified on retroactivity and construction. Members generally supported the bill, and it passed on a do-pass motion, with several votes recorded and the bill placed on call. Next, the committee heard SB 437 and SB 518, both related to California reparations efforts. SB 437 would direct CSU to develop an evidence-based, reproducible genealogical methodology for verifying descendants of enslaved people, with supporters emphasizing oversight, transparency, and a framework for using the $6 million already allocated in the budget; opponents argued the work was unnecessary, duplicative, and should be done by existing genealogists rather than CSU. SB 518 would create a Bureau for Descendants of American Slavery within state government, with divisions for genealogy, property reclamation, outreach, and legal affairs; supporters called it the infrastructure needed to implement reparations recommendations, while opponents objected to housing the bureau in the Department of Justice, overlap with SB 437, and the inclusion of other communities. Both bills advanced on do-pass motions to Appropriations and were placed on call. Finally, Senator Perez presented SB 52, the End AI Rent Hikes Act, which would make it illegal to use algorithms to collude and artificially inflate rental prices. The author and supporters said landlords and AI companies are using pricing tools to share competitive data and fix rents in the midst of a severe affordability crisis, and that the bill would clarify protections and create enforcement mechanisms. The transcript cuts off during testimony on SB 52, before any vote or final action is shown.

Transcript Highlights:

• Consumer protection means prices. Consumer protection means health.
• Consumer protection means prices, consumer protection means health, and consumer protection means jobs
• Do you have data, though?
• And it's a tribute to the fact that the public has this data. The CEC has a lot of data.
• This is data, SB 1322 data showing the refining margins going back to 2023 when the data from SB 1322

Summary: The Senate Committee on Energy, Utilities and Communications held an oversight hearing on managing the transportation fuels transition, fuel pricing, and supply reliability. Chair Allen opened by discussing prior legislation, including SB 1322 and special session measures, that expanded reporting to the California Energy Commission (CEC) and gave the state tools to study gasoline costs, refinery margins, inventories, and potential supply disruptions. He framed the hearing around refinery closures, rising imports, global conflict affecting crude markets, and the need to balance affordability, reliability, and the state’s long-term clean-fuels transition. CEC Vice Chair Siva Gunda, CDTFA Chief Deputy Director Gentian Droboniku, and DPMO Director Ty Miller presented data showing California’s growing dependence on imported crude and refined products, declining in-state refining capacity, and stable-to-tight inventories that are being supported by higher imports. They said the new transparency laws have improved understanding of the market and pointed to the proposed Gateway Pipeline, marine imports, and distribution constraints as important supply issues. CDTFA and DPMO emphasized that retail margins, especially for branded gasoline, have widened significantly, with large price gaps between branded stations and hypermarts/unbranded stations, and that some of the recent price increases were tied to the Iran conflict while earlier spikes were more consistent with localized market behavior and possible price gouging. DPMO also said it is investigating high-priced branded stations, monitoring algorithmic pricing under AB 325, and continuing to analyze diesel spot-market transparency. The CEC and CARB also discussed the Transportation Fuels Transition Plan and the SB 237 assessment, describing them as efforts to plan for a managed decline in fossil fuel demand while protecting workers, communities, and consumers. They said California’s climate goals remain centered on an 85% greenhouse gas reduction by 2045, with continued use of liquid fuels expected but with lower-carbon alternatives, more efficient vehicles, and alternative fuels playing a larger role. Committee members focused heavily on workforce impacts, the need for concrete transition planning, and whether the agencies could provide a clearer picture of what California’s fuel system will look like under the state’s long-term goals. No votes or formal actions were taken during the hearing.

Transcript Highlights:

• This is a consumer...'
• Consumers are often unaware of how their personal data is being collected, shared, and sold.
• option to opt out of data sharing.
• AB 566 would significantly benefit consumers by granting them greater control over their personal data
• And we would micro-target all of our customers and leverage, you know, as much consumer data as possible

Summary: The committee heard several privacy and consumer protection bills, with most of the discussion focused on AI and social media. AB 1405 would create a state registry for AI auditors and set basic transparency, ethics, and qualification standards for those auditors; supporters said it would build trust and provide a foundation for future AI oversight, while some members questioned whether government should define auditor qualifications instead of industry groups. The bill was moved out on a 5-1 vote to Appropriations, with the roll left open. AB 2, by Assemblymember Lowenthal, would impose enhanced financial penalties on large social media companies when their negligence causes harm to children and teens. Supporters, including a grieving parent and Common Sense Media, argued the bill would create accountability for harmful algorithms and design choices, while opponents from TechNet, EFF, CCIA, and CalChamber warned it was vague, could chill speech, invite censorship, and raise Section 230 and First Amendment concerns. Committee members debated private right of action versus public enforcement, possible shakedown lawsuits, and whether the bill should be narrowed; the bill passed 6-0 to Judiciary with the roll left open. AB 410 would expand California’s bot disclosure law so bots must identify themselves up front and truthfully if asked, rather than only prohibiting deceptive bots in limited commercial or election contexts. Supporters said the measure would help users, especially youth and vulnerable people, know when they are interacting with AI and reduce deception online; one privacy group withdrew opposition after amendments, and other industry groups said they were no longer opposed or had no formal position. The bill passed 9-1 to Appropriations with the roll left open. The committee also approved AB 1327, which lets consumers cancel home improvement contracts by email instead of only by mail and requires phone assistance for cancellations; the Contractor State License Board withdrew opposition after amendments, and the bill passed 11-0 to Judiciary with the roll left open.

Transcript Highlights:

• Residential consumers.
• There are some data around this.
• Data Center Industry, representing the leading data center owners and operators.
• that the data center community has not done the best job in informing ratepayers, consumers, and constituents
• that the data center community has not done the best job in informing ratepayers, consumers, constituents

Committee: House State Affairs

Transcript Highlights:

• In addition, our staff directly assisted consumers.
• Our job is to protect consumers, protect our market. That's it. And we need to do that with data.
• Are you going to protect consumers for a year?
• I look forward to seeing that data because, you know, the limited data that I did review on that space
• So we'll be able to start having that data.

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Transcript Highlights:

• However, certain businesses that collect, process, share, or sell consumer health data do have to comply
• with the Washington... ...that collect, process, share, or sell consumer health data do have to comply
• share consumer health data without obtaining consent from that consumer.
• whether precise geolocation information or consumer health data is collected; and whether an individual
• Government entities who retain consumer data. I think last time it was the Department of Licensing.

Summary: The committee first heard House Bill 2483, which would create an annual data broker registry at the Department of Licensing beginning in 2027. Staff explained that data brokers would have to register, pay a fee, and disclose information about the types of data collected, security measures, opt-out options, and whether precise geolocation or consumer health data is involved. Prime sponsor Rep. Kloba said the bill is intended to make data collection and resale more visible to consumers and to address harms such as scams, tracking, and surveillance pricing. Testimony was mixed: TechNet, the Association of Washington Business, and the Washington Retail Association opposed the bill as drafted, saying the definition of data broker is too broad and could sweep in businesses that are not true data brokers, while the sponsor and committee members discussed possible clarifying amendments and public-data carve-outs. The committee then heard House Bill 2400, which would regulate monetized social media content featuring children. Staff described provisions requiring vloggers above certain revenue thresholds to register with the Department of Revenue, creating trust accounts for minor children appearing in monetized videos, allowing young adults to request deletion of monetized childhood content, requiring reporting by social media services, and establishing civil penalties and statutory damages. Rep. Reeves said the bill is meant to draw a line between ordinary family posting and monetizing children online, citing concerns about child labor protections and exploitation. TechNet and AWB opposed the bill, arguing that social media platforms should not be made the middleman for trust accounts and that the private right of action and enforcement structure should be revisited; they urged further work during the interim. Finally, the committee took testimony on House Bill 2439, an omnibus tobacco and vapor product bill. Staff said it would create a responsible vendor program, raise license fees and penalties, require retailers to buy from licensed wholesalers or distributors, add certification requirements for vapor manufacturers, study extended producer responsibility for vapor waste, expand lab testing authority, tighten age-verification rules, prohibit certain imitation or entertainment vapor products, remove state preemption so local governments could adopt stricter rules, and redirect portions of tobacco tax revenue to public health accounts. Supporters, including public health groups, King County, the American Heart Association, and pediatricians, backed the youth-prevention, local-control, and funding provisions. Industry and retail witnesses opposed the bill, focusing on the loss of preemption, higher fees, compliance burdens, and the risk of pushing sales to the illicit market; some also argued the bill should rely more on state-level uniform regulation and stronger enforcement rather than new restrictions.

Transcript Highlights:

• For one thing, because consumers know so little about how their data is collected or used, they would
• would. ...simply banned increases based on using consumer data.
• Now the personal data is volunteered by the consumer. ...of personal data.
• Now the personal data is volunteered by the consumer in a number of ways.
• A concern with that is that we have the personal data from loyalty programs that the consumers, again

Committee: Senate Senate Budget and Appropriations

Transcript Highlights:

• Specifically, this bill prohibits the sale of consumer data and gives consumers more agency over the
• Consumers gain the right to opt out of any processing of sensitive data that is not necessary to complete
• Consumers can restrict access to information deemed to be personal data, but businesses also have commercial
• We need employer data and we need government-held data to prepare for this moment.
• Beyond unlawful data sharing, employment. Data even after being warned.

Summary: The committee heard several bills focused on artificial intelligence, child safety, mental health, and privacy. SB 574 by Senator Umberg would require transparency and human oversight when attorneys, judges, and court neutrals use AI; it drew support from privacy advocates and committee members, with no opposition. SB 1276, the End Child Exploitation Act, would update child sexual exploitation laws to cover live-streamed and AI-generated abuse material and clarify that viewing such content can be criminally punishable; prosecutors, child advocacy groups, and others supported it, while no one appeared in opposition despite opposition on file. SB 813 would create a California AI standards and safety commission and a voluntary two-tier certification framework for AI safety standards; supporters said it would create scalable, independent oversight, while TechNet and CalChamber opposed it as duplicative, under-defined, and likely to create a de facto mandate. The committee discussed market pressure, federal preemption concerns, and the role of voluntary standards, but no final vote was taken in the excerpt. Senator Padilla also presented SB 300, which would strengthen protections for minors from sexually explicit chatbot content by moving from a reasonableness standard to an affirmative duty to prevent such exposure and to prohibit facilitation. Supporters said new evidence showed greater risks and that companies can and should build stronger safeguards; opponents, including TechNet and CCIA, argued the bill was premature because SB 243 had only recently taken effect and warned it could create strict-liability-like exposure. Padilla then presented SB 903, which would bar AI chatbots from being advertised as therapists, require licensed clinician oversight and informed consent for AI use in psychotherapy, and protect patient confidentiality; it received broad support from mental health professionals and labor groups, while industry and health associations were opposed unless amended over triage and crisis-detection language. The committee members emphasized the need for human judgment in mental health care and noted ongoing negotiations on amendments. The committee also heard SB 1119, a companion to AB 2020, which would require annual risk assessments, crisis-response protocols, default child settings, parental controls, limits on data use, public incident reporting, and third-party audits for chatbots used by children. Supporters argued the bill would address documented harms and improve transparency, while industry groups objected to ambiguous standards, liability exposure, and the private right of action. A roll call vote was taken on SB 1119 after quorum was established; the motion to pass to Appropriations succeeded on a 5-1 vote, with one no vote and the measure left on call for absent members. Finally, SB 354, a privacy bill for insurance consumers, would modernize outdated insurance privacy rules, bar sale of personal information, and expand consumer rights to know, correct, and delete data. Supporters said it would implement Proposition 24’s privacy mandate, while a large coalition of insurers, agents, brokers, and related businesses opposed unless amended, mainly seeking a small-business exemption and narrower treatment of publicly available information; members and the author said negotiations were ongoing and the bill had already been substantially revised.

Transcript Highlights:

• I mean, maybe some data would help.
• I mean, it's just self-reporting data then.
• You don't have that data. Correct. Wow. OK.
• They already possess the property data.
• In addition, including the most recent Fair Plan premium data and data files would improve insurers'

Summary: The Assembly Insurance Committee held its first outcomes review oversight hearing on the residential fair plan clearinghouse program created by AB 3012. Chair and members focused on whether the program is actually helping depopulate the California Fair Plan and move policyholders back to the voluntary market. The Fair Plan and Department of Insurance testified that the program exists as a platform for admitted and, in some cases, non-admitted insurers to review Fair Plan policies and make offers through the broker of record, but they acknowledged limited participation and limited results. CDI said it has received no formal complaints specific to the clearinghouse, but identified obstacles including only 11 participating residential insurers, the broker-of-record requirement, compensation and appointment issues, and the lack of direct consumer contact. CDI said about 730 residential risks have moved to voluntary market coverage through the program from June 2021 through April 30, 2025, and opt-outs are under 1%. Committee members pressed witnesses on the program’s opacity, the lack of data on offers made versus policies actually moved, and whether the clearinghouse is functioning as intended. CDI and the Fair Plan said they do not have data on how many offers have been made, only on cancellations that are self-reported and marked as clearinghouse-related. Members also raised regional growth in Fair Plan enrollment, especially on the Central Coast, and concerns about underinsurance when policyholders move back to the regular market. CDI recommended more mandatory reporting, broader broker education, possible direct offers to policyholders after a period of time, and changes to commission and appointment rules to reduce barriers to insurer participation. The second panel of industry witnesses generally agreed the clearinghouse is not a stand-alone solution and said its effectiveness depends on a healthier admitted market and actuarially sound Fair Plan rates. Independent agents and brokers, admitted-market insurers, and surplus lines representatives said the current system is constrained by low rate adequacy, limited insurer appetite for high-risk properties, operational friction, and misaligned incentives. Several witnesses suggested improvements such as better data sharing, clearer depopulation procedures, stronger broker education, and more flexible appointment or compensation rules. Some supported giving the program more time under the Sustainable Insurance Strategy, while others said the Legislature should consider whether to strengthen, modify, or potentially sunset the program if it continues to produce limited results. A public witness later reported that a new carrier had recently joined the clearinghouse and was working with brokers to bring in additional capacity.

Transcript Highlights:

• So, yes, our focus has been primarily on the commercial area, the consumer insurance, and... ...the consumer
• So we have a lot of data.
• So we do see that relationship with these data.
• We add more years of data.
• So short answer, our data don't allow us to look at a lot of that, as is the claims data doesn't have

Committee: House Consumer Protection & Business

Summary: The committee held a work session on earthquake insurance and later on Washington State Institute for Public Policy (WSIPP) cannabis and I-502 research. The Office of the Insurance Commissioner explained that earthquake coverage is usually excluded from standard property policies, is expensive, and often carries very high deductibles. Staff also described admitted versus surplus line insurers, and introduced parametric insurance and captive insurance as specialized risk-transfer tools mainly used by commercial and sophisticated buyers. OIC data showed about 226,000 admitted earthquake policies in 2023, with most personal policies concentrated in the Puget Sound and Vancouver areas and commercial endorsements more broadly distributed. A second panel, including insurance and banking representatives, focused on potential catastrophic earthquake exposure for commercial buildings and collateralized loans. They argued that many commercial properties may lack earthquake coverage, leaving banks and the broader economy exposed if owners default or surrender damaged properties after a major quake. They discussed the Nisqually earthquake, the Cascadia subduction zone, building age, soil and slope conditions, retrofit standards, pollution remediation, and the need for property resilience assessments and inventories of vulnerable buildings. Members asked about consumer impacts, affordability, education, and whether legislation like prior work on unreinforced masonry buildings could help reduce risk; the Washington Bankers Association said earthquake insurance is costly and that affordability is a major concern. Committee members also discussed inventories and risk assessment efforts, including state geologist work on school buildings and whether similar approaches could be extended to nearby private structures. The presenters said banks likely have good inventories of their collateral but may not know which properties are most vulnerable to earthquake damage. The discussion ended with a request for follow-up information on consumer education and disaster planning resources. WSIPP then presented its long-running evaluation of Initiative 502 and cannabis legalization. Staff explained WSIPP’s nonpartisan role and its legislatively directed 20-year study, with final benefit-cost work due in 2032. The presentation summarized prior findings that cannabis misdemeanor convictions dropped sharply after legalization, though racial disproportionalities persisted at lower absolute levels. WSIPP also reported that shorter drive times to cannabis retailers were associated with higher reported adult cannabis use, more fatal traffic crashes involving local drivers, higher THC-positive rates among blood-tested crash drivers, and higher cannabis use disorder diagnoses and co-occurring substance use disorder diagnoses among Medicaid enrollees. For high school students, nearby retail access was associated with more reported use, more unexcused absences, and a lower likelihood of graduating on time. In the newest 2025 Medicaid study, WSIPP said retailer openings were associated with higher cannabis use disorder diagnoses, hospitalizations, inpatient treatment, and co-occurring mental health diagnoses, while emphasizing that the analyses show associations rather than direct causation and that results are specific to Medicaid enrollees.

Transcript Highlights:

• This bill also contains nation-leading driver data protections and prohibits driving data from being
• Additionally, the sensitive data that AB 311 authorizes collecting will flow to data brokers, law enforcement
• Additionally, the savings that AB 311 promises to California consumers have not materialized for consumers
• data.
• The data are clear: family history is sufficient for insurers to price risk, and genetic data is probabilistic

Committee: Senate Insurance