Video & Transcript : 'input data regulation' :
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WA
Washington 2025-2026 Regular Session
JLARC – Joint Legislative Audit & Review Committee May 14th, 2025
Transcript Highlights:
- Inaccurate and incomplete data limits the Liquor and Cannabis Board's capacity for data-driven regulation
- RAND used other data from LCB, data from other sources, and made assumptions where no data was available
- RAND used other data from LCB, data from other sources, and made assumptions where no data was available
- We also found that LCB's data system does not support a data-driven approach to regulation.
- Until this time, LCB will likely continue to have incomplete and unreliable data with which to regulate
Summary:
At the May 14, 2025 JLARC meeting, members approved the January 9 minutes and adopted the 2025–27 biennial work plan with a minor typo correction. Staff reviewed the new work plan studies, including a drug take-back program fee/expenditure review due in December 2025 and a state energy performance standard compliance review due in June 2027, and noted JLARC’s recent session activity, including several bills passed related to JLARC work and recommendations.
The committee then heard a preliminary cannabis market study showing Washington businesses likely produced two to three times more cannabis than retailers sold in 2023. Staff and RAND said LCB’s data systems are incomplete and unreliable, limiting regulation, tax verification, and diversion tracking; they recommended that LCB submit a plan by year-end for collecting accurate data by the end of 2026. Members and LCB discussed the long timeline for a new traceability system, the causes of missing sales and weight data, overproduction, diversion, and the social equity program’s effect on producer licenses.
JLARC also presented a preliminary hospital oversight report concluding that the Department of Health is late on many hospital inspections, does not verify third-party inspection standards, does not review adverse health event correction plans, and could make hospital data more accessible. The committee discussed fee funding, language access, and inspection timing, and DOH said it would work on a strategic plan and continue coordinating with JLARC. Members also heard a preliminary report on the public records survivor exemption, which found agencies are using it but need more guidance; JLARC recommended keeping the exemption and having the Attorney General provide additional training. Finally, the committee approved the DDA processes and staffing final report for distribution, which recommended performance metrics, stronger data quality controls, and workforce planning; DDA concurred. JLARC also introduced proposed study questions for a future DCYF juvenile rehabilitation review focused on safety, security, programs, staffing, education, and contraband, and the meeting adjourned after members asked about scope and facility conditions.
FL
Florida 2025 Regular Session
Banking and Insurance Mar 17th, 2025
Transcript Highlights:
- OFFICE OF INSURANCE REGULATION.
- THREE CREATES TRANSPARENCY AND RATE REGULATION.
- FIVE DATA CALLS, REPEALS TWO DATA CALLS AS INFORMATION IS NO LONGER RELEVANT AND OR ALREADY COVERED IN
- OTHER DATA CALLS AND ADDS AUTHORITY FOR THE OFFICE TO COLLECT DATA RELATED TO PROPERTY RESILIENCY.
- SIX CYBER SECURITY INSURERS OPERATORS ARE NOTIFIED OF DATA BREACH INCIDENTS AFFECTING COMPANIES REGULATED
MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses May 6th, 2026
Transcript Highlights:
- It is a regulated financial data environment.
- What is not transmitted is the sales tax amount, any invoice-level data, or any other enhanced data.
- What is not transmitted is the sales tax amount, any invoice level data, or any other enhanced data.
- data privacy issue because you start collecting and remitting more data.
- So it is a system that allows for input of data.
Summary:
The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing chaired by Senator Paul Feeney and Representative Jamie Murphy. The commission reviewed its charge to gather input on payment trends, cashless transactions, credit card fees, mobile payments, buy now/pay later, and related issues affecting small businesses. Representative Sean Garballey testified in support of maintaining the current card system, emphasizing tourism’s importance to Massachusetts and arguing that universal card acceptance and interchange stability are especially important with major upcoming events and visitors.
A large portion of the hearing focused on independent restaurants and small businesses arguing that credit card processing fees are burdensome and unfair when applied to sales tax and gratuities that are not business revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others described razor-thin margins and said restaurants pay fees on money passed through to the state or employees. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses first, and making fees proportional. In response, credit union and banking representatives, including Alex Vereen, Brad Popolado, Deb Peters, and Keely McEwen, argued that interchange funds fraud protection, card infrastructure, and consumer protections, and warned that state-specific changes could create compliance burdens, higher costs, or reduced access to services.
Several witnesses addressed legal and policy questions. Dan Swanson and David Montero said states have authority to regulate aspects of the payment system, but Montero warned that state-specific rules could create uncertainty and conflict with federal banking law. Julian Morris and other industry witnesses argued that card payments benefit consumers and merchants by reducing cash-handling costs and increasing spending, while critics of reform said changes could shift costs into bank fees or reduced rewards. Commission members questioned whether sales tax could be separated from card transactions, whether surcharging should be considered, and whether vendor compensation or other state-level relief might be more workable. The chairs said they were exploring a narrower, targeted approach rather than a broad overhaul, and announced plans for one additional public hearing to allow further testimony.
WA
Washington 2025-2026 Regular Session
House Environment & Energy Jan 13th, 2026
Transcript Highlights:
- , which was carried out in 2021, and to provide opportunities for public input.
- Is there regulation based on... Small modular pieces of that?
- Is there regulation based on some kind of a buffer?
- I don't have that data on hand, although I have a request in to get it.
- Nuclear energy is the most regulated industry in the United States for safety.
Summary:
The committee heard testimony on several bills. House Bill 2272 would update state park inspection language for ski lifts and related equipment to better match current equipment and federal standards; the sponsor and State Parks said it was a simple modernization bill, and there was no opposition. House Bill 2245 would expand Clean Energy Transformation Act coverage to port districts that distribute electricity, utilities with a single customer, and certain affected market customers such as data centers; supporters said it closes loopholes and applies clean-energy rules more fairly, while ports, business groups, and some utilities warned of unintended consequences, added reporting burdens, and impacts on cogeneration and rural economic development. Ecology and Commerce supported the goal but raised concerns about allowance allocation, fiscal impacts, and possible double counting, and WAPUDA asked that existing single-customer PUDs be grandfathered. House Bill 2215 would lower Climate Commitment Act thresholds for gasoline, diesel, biodiesel, and propane suppliers and extend coverage to some purchasers; supporters said it would prevent entities from gaming the system and cover significant emissions now below the threshold, while Ecology, fuel distributors, propane suppliers, grocers, and business groups warned of compliance costs, supply-chain impacts, possible linkage issues, and the need to preserve existing reporting authority for natural gas. Ecology estimated about 50 additional covered entities could be brought in, and several opponents argued the bill would sweep in small family-owned businesses not intended to be regulated.
House Bill 2090 would direct Commerce to develop a nuclear strategic framework for inclusion in the state energy strategy, contingent on outside funding. The sponsor and supporters argued the bill is only a planning measure to ensure Washington considers advanced nuclear as a firm, low-carbon, small-footprint resource amid rising demand, grid constraints, and land-use concerns; supporters included Energy Northwest, local governments, labor/environmental Democrats, and pro-nuclear groups. Opponents, including the Sierra Club, Columbia Riverkeeper, tribal representatives from the Confederated Tribes of the Umatilla Indian Reservation, and several environmental advocates, said the bill gives nuclear special treatment, relies on private funding that could bias the study, and risks advancing projects at Hanford without early, meaningful tribal consultation. Tribes requested explicit consultation, independent and publicly funded analysis, and attention to treaty rights and historic nuclear impacts. Testimony also sharply divided over cost, waste, and land use, with supporters emphasizing reliability and footprint and opponents citing high costs, unresolved waste disposal, and the immaturity of small modular reactors. No votes or final actions were taken in the hearing.
FL
Florida 2026 5th Special Session
Appropriations Committee on Higher Education Mar 11th, 2025
Transcript Highlights:
- And this is—I really want your input on the pros and cons of the current process.
- The next thing would be to relax the laws and regulations that govern fee changes.
- The next thing would be to relax the laws and regulations that govern fee changes.
- I'll just kind of ask for your general input.
- I'll just kind of ask for your general input.
Summary:
The Appropriations Committee on Higher Education met to examine how Florida’s state universities are funded and to begin discussing a possible university funding model. The panel included the State University System chancellor and CFOs from FSU, UF, FAMU, FAU, UNF, and UCF. Members first reviewed major cost drivers, which the universities said are broadly similar across institutions: wages and benefits, equipment and supplies, financial aid, professional services, utilities, IT, and maintenance. Several institutions noted unique pressures from geography, growth, research intensity, and mission, such as UCF’s size and engineering focus, UF’s land-grant and research enterprise, FAMU’s need to recruit top talent while serving a high-Pell student population, and FSU’s large facilities and research obligations. The chancellor also summarized systemwide cost growth since 2012-13, including higher health insurance, retirement, and salary costs, while noting tuition had been held flat.
The committee then discussed other revenue sources, including auxiliaries, restricted funds, capital projects, and component units such as foundations and health systems. University leaders explained that many of these funds are restricted to specific purposes, and some, like UF Health, account for a large share of operating expenses. Members also discussed the current performance-based funding process. University representatives generally praised it for transparency, accountability, and its focus on student success, but said the heavy use of one-time funds, nonrecurring appropriations, and unfunded mandates makes long-term planning difficult. FSU and others argued that rising employee costs, waivers, and facilities expenses are not fully covered, while FAMU said performance funding has improved outcomes but can disadvantage institutions serving more low-income students.
In response to questions about improvements, the universities suggested more recurring and predictable funding, better coverage of mandated costs, more flexibility in fees, and continued investment in research and strategic priorities. The chancellor said the Board of Governors is considering a version 3.0 of performance funding that would benchmark institutions against peers and Carnegie classifications. The committee also explored whether universities should have more flexibility to set out-of-state tuition and professional school tuition. Most university leaders favored giving boards of trustees more authority, while the chancellor cautioned that increasing out-of-state enrollment or tuition too much could affect legislative support. No votes were taken; the meeting ended with the chair thanking the panel and adjourning the committee.
VA
Virginia 2026 Regular Session
Commission on Unemployment Compensation Jul 9th, 2026
Transcript Highlights:
- Data centers, over $200 billion there. $7.5 billion in my area alone.
- People are exhausting their benefits, and we have data about exhaustions.
- Based on June 15 data, we project an annual fund balance factor of 50.9%.
- And as a legislator, I appreciate good data.
- Madam Chair, Commissioner Hammond, thank you for that input.
WA
Washington 2025-2026 Regular Session
House Agriculture & Natural Resources Sep 30th, 2025
Transcript Highlights:
- So the cost of complying with regulation.
- So the cost of complying with regulation. for complying with regulations.
- So we looked at labor regulations, chemical input registration and application, food safety regulations
- , work safety regulations, and regulations associated with environment and/or climate-related activity
- the regulations really should be.
Summary:
The House Agriculture and Natural Resources Committee held an interim work session focused on Washington agriculture’s viability, workforce, and competitiveness. Director Derek Sanderson of the Washington State Department of Agriculture and WSU Dean Raj Kosla described the size and diversity of the state’s farm sector, declining farm numbers, major export markets, and pressures from labor costs, low commodity prices, trade barriers, drought, regulatory burdens, and pests and disease. Kosla emphasized WSU’s land-grant role in education, research, and extension, including precision agriculture, broadband needs in rural areas, and the need for state support to help producers adopt new technologies and train the next generation of agricultural workers.
Members asked about retaining farmland, increasing workforce capacity, and the role of precision agriculture. Kosla said precision agriculture can help address labor shortages and water scarcity, but adoption is limited by cost and rural broadband gaps. He explained precision agriculture as tailoring inputs to the right place, time, amount, and manner, and said WSU is working on low-cost sensor technologies and other innovations. Members also asked about how widely precision agriculture is used and whether it improves farm bottom lines; Kosla said adoption varies by tool and that he would follow up with more data.
The committee then heard from Dr. Randy Fortenberry of WSU’s Impact Center on an agricultural competitiveness study and the effects of tariffs and trade. He reported that Washington’s competitiveness has generally declined relative to peer states in dairy, grapes, hops, apples, and wheat, with potatoes as the main bright spot. Surveyed producers said a substantial share of revenue is tied to regulatory compliance, with labor-related costs a major driver, and small diversified farms reported land access, capital, and profitability as bigger barriers than regulation. On trade, Fortenberry said Washington agriculture is highly export-dependent and vulnerable to retaliation, citing past losses in wheat, apples, pulses, and cherries when tariffs disrupted markets, while noting current uncertainty around China and India. The committee asked follow-up questions about compliance time, peer-state comparisons, and regulatory burdens; no votes were taken, and the department said it plans an interim report by the end of the year and a final report by June 2026.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 3 on Education Finance and Education Committee Feb 25th, 2026
Transcript Highlights:
- One is the input around data, student information, student data, and achievement data.
- , their attendance data, their suspension data that we can get a lot easier.
- versus individual student growth data... ...versus individual student growth data.
- I mean, one of the things about the data and all this data and its collection of data, there's not a
- and all this data and his collection of data there's not a really strong feedback loop so if I'm at
OK
Transcript Highlights:
- You can also do data casting.
- by our regulations.
- But for all of us to have complete expertise on every area that's regulated by DEQ and every regulation
- , get direct input from the people who will be complying with that regulation about how it will impact
- them, but simultaneously have input directly from the public about how the public feels about the regulation
Committee:
House Administrative Rules
OK
Oklahoma 2026 Regular Session
Economic Development, Workforce and Tourism REVISED Apr 21st, 2026 at 01:30 pm
Economic Development, Workforce and Tourism
Transcript Highlights:
- It directs OFA to publish data explaining any proposed changes in the requirements, conditions, or restrictions
- The other thing it does is the workforce commission data sharing authorization existing...
- Confidentiality language restricts the OESE from sharing performance and wage outcome data with the Oklahoma
- I'm happy to take input. I know that Leader Lawson is too.
Keywords:
housing finance, Oklahoma Housing Finance Agency, publication requirements, housing policy, state regulations, HB3031, North Pointe Workforce Development Initiative, workforce development, job training, skills training, job placement, local hiring, economic development, Oklahoma Department of Commerce, revolving fund, state treasury, appropriation, budget, workforce investment, employment outcomes
OK
Oklahoma 2026 Regular Session
Rules REVISED: HJR1040 - Removed | HJR1084 - Added Mar 3rd, 2026 at 01:30 pm
Rules
Bills:
HB3015 , HB3114 , HB3411 , HB3567 , HB3568 , HB3749 , HB3891 , HB4229 , HB4237 , HB4253 , HJR1019 , HJR1046 , HJR1084
Committee:
House Rules
Keywords:
electronic credentials, Service Oklahoma, digital identification, data protection, driver's license, electronic monitoring, criminal justice reform, nonviolent offenders, Department of Corrections, parole, state law, biosolids, PFAS, environmental safety, agriculture, public health, Department of Environmental Quality, testing regulations, soil amendments, HB3567
AZ
Transcript Highlights:
- This will make data sharing faster, improve efficiency, and keep officers safe.
- The program will connect data in real time, speed up data access, cut down on duplicate data entry, and
- So we don't know what's working and what isn't if we can't gather the data.
- We need to be able to gather the data, and that's what this bill is for.
- Leave it up to the IT guys as to how they secure the networks, data. They're the experts.
Bills:
SB1046 , SB1317 , SB1376 , SB1416 , SB1448 , SB1471 , SB1493 , SB1498 , SB1502 , SB1504 , SB1538 , SB1544 , SB1550 , SB1579 , SB1581 , SB1584 , SB1624 , SB1673
Keywords:
telecommunications, broadband, internet infrastructure, critical infrastructure, cybersecurity, national security, foreign adversary, China, Chinese equipment, supply chain security, network equipment, microchips, Arizona Corporation Commission, telecommunications provider, communications infrastructure, Huawei, ZTE, state-owned enterprise, sanctions, infrastructure security
FL
Transcript Highlights:
- Act, ensuring farmers and independent mechanics can access necessary diagnostic software and repair data
- Secondly, that the public has input on what history is going to be taught there.
- It does that by directing the regulation of litigation financing activities and providing that litigation
- There is no regulation on these folks.
- You've got a whole agency, the Office of Insurance Regulation, that regulates those folks.
Bills:
S0014 , S0016 , S0024 , S0052 , S0308 , S0504 , S0506 , S0564 , S0572 , S0590 , S0594 , S0806 , S1396 , S7020 , S7024 , S7026
Committee:
Senate Rules
Keywords:
negligence, settlement, police conduct, municipal liability, personal injury, compensation, injuries, Miami-Dade County, places of worship, house of worship, church, mosque, synagogue, religious security, armed security, volunteer security, private security, security guard licensing, licensure exemption, Florida Statutes chapter 493
AZ
Transcript Highlights:
- I know it's going to, like, give the example of data centers.
- When we actually, a recent report actually put out, data center operators or data center businesses are
- we cannot get two-thirds to raise the necessary fees for an inspection that may be under federal regulation
- in such a way is to sort of work toward that solution, where this is generally, like, a federal regulation
- . ...is to sort of work toward that solution, where this is generally, like, a federal regulation.
Committees:
Senate Finance , Senate Senate Finance Committee of Reference
Keywords:
firefighters, occupational disease, workers compensation, cancer presumption, police officers, hazardous duty, SB1270, Arizona retirement system, public safety personnel, defined contribution plan, correctional officers, corrections officers, retirement contributions, supplemental contributions, retention incentive, recruitment incentive, employer contribution, employee contribution, vesting, annuity account
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, September 15, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- ><c> reporting</c> This legislation includes data reporting This legislation includes data reporting
- </c> artificial intelligence is shaping data artificial intelligence is shaping data visualization<05
- The collection of cause-of-death data would allow VA to begin to build data sets that can be tracked
- </c> collect cause of death data on veterans. collect cause of death data on veterans.
- The Justice for from suicide data.
Bills:
HB1558 , HB3400 , HJR117 , HB4446 , HB3494 , HB3481 , HB2701 , HB2034 , HB3854 , HB3951 , HB3579 , HB2721 , HB3767 , HB1860 , HB2334 , HR1107 , HB3426 , HB3427 , HR452 , HB5100
Keywords:
financial management, government oversight, budgeting, accountability, reporting, federal financial management, government accountability, oversight, taxpayer funds, Office of Management and Budget, OMB, Chief Financial Officer, CFO, Deputy Chief Financial Officer, internal controls, financial reporting, financial audits, governmentwide financial management plan, financial management status report, performance metrics
TX
Transcript Highlights:
- . ...Senate Bill 1020 is designed to close important information loopholes created by inconsistent data
- Furthermore, certain judges have decided that data related to failures to comply with ankle monitors.
- Senate Bill 1020 is a reporting bill that closes these data gaps. It has three major components.
- It clarifies that ankle monitoring data is not a judicial work product, allowing all relevant parties
- Additionally, it allows community supervision agencies to release ankle monitoring data to the judge.
Committee:
House Criminal Jurisprudence
Keywords:
SB 535, Texas criminal procedure, rape shield, victim sexual history, past sexual behavior, sexual assault evidence, trafficking of persons, continuous trafficking, indecency with a child, continuous sexual abuse, aggravated sexual assault, indecent assault, consent defense, in camera hearing, Rule 412, Rule 609, victim protection, evidence admissibility, criminal evidence, sexual offense prosecution
AL
Alabama 2025 Regular Session
Alabama Senate Education Policy Committee Apr 9th, 2025
Education Policy
Transcript Highlights:
- cultural behavior of any human society depends on the state of energy as the result of its sexual regulations
- non-deistic manner that this... ...proved in a non-deistic manner that this type of cultural behavior and regulations
- They're going to need to learn self-regulation skills and how to put a future focus on all of the activities
- time, and now we're in the… length of time, and now we're in the process of trying to put our little input
Committee:
Senate Education Policy
Keywords:
Ten Commandments, public education, displays, funding, Alabama law, STEM, science education, technology education, engineering education, math education, workforce development, career pathways, Alabama STEM Council, Department of Workforce, education policy, higher education, community colleges, K-12 education, teacher pipeline, STEM careers
WA
Washington 2025-2026 Regular Session
Committee to Hear SAO Performance Audits Dec 3rd, 2025
Transcript Highlights:
- So if you have input or thoughts on those, please feel free to reach out to me.
- And so we have a data scientist on staff at the State Auditor's Office who is constantly looking through
- state agency procurement data, expenditure data, to just look for patterns that we think might merit
- The first is using data to design early intervention and small group instruction, and looking at data
- We heard some of the data shared from our previous speaker, so it's also exciting to see that this is
Summary:
The committee meeting began with a brief explanation of the renamed Joint Legislative Audit Review Committee subcommittee, now called the Committee to Hear SAO Performance Audits, and a presentation from the State Auditor’s Office on its current biennium performance audit work plan. The auditor described how topics are selected from a large pool of potential audits and highlighted several ongoing or planned audits, including the Liquor and Cannabis Board, oversight of authorized entities serving students with disabilities, the Quality Home Care Initiative, Medicaid managed care versus fee-for-service costs, the Housing Commission tenant ownership follow-up, DSHS vendor payment patterns, implementation of the Since Time Memorial curriculum, and the Washington State ferry system. Members asked about coordination with JLARC to avoid duplication, and the auditor said the offices exchange work plans, monthly updates, and quarterly coordination meetings.
The committee then heard the State Auditor’s performance audit on how charter schools identify and support at-risk students. Auditors reviewed four charter schools—Catalyst Public Schools, Innovation High School, Pinnacles Prep, and Rainier Prep—and focused on English language learners, homeless students, and special education students. The audit found the schools met nearly all legal requirements reviewed, with only one area where two schools partially met a language-access requirement. The schools also used several promising practices, including small-group instruction, culturally responsive environments, and multi-tiered systems of support, though the auditors recommended better documentation of procedures to improve consistency. Families interviewed generally reported positive experiences, while noting resource constraints.
Committee members asked about how the four schools were selected, whether the audit compared charter populations to home districts, and how MTSS requirements applied to the schools reviewed. The State Auditor’s Office said the sample was chosen for geographic diversity, student population characteristics, and representation from both authorizers, and that K-2 MTSS requirements were not evaluated because they applied to only one school. Representatives from the Charter School Commission and charter school advocates responded positively, emphasizing technical assistance, collaboration, and sharing best practices across schools. Two public testifiers also supported the report and said it highlighted effective practices that could be expanded across charter and traditional public schools.
CA
California 2025-2026 Regular Session
Joint Legislative Committee on Climate Change Policies Feb 23rd, 2026
Joint Legislative Committee on Climate Change Policies
Transcript Highlights:
- I think every time we update the regulation, we get a chance to look at new data and new information.
- old data to what they're going to be receiving under the new data. ...path from what they thought they
- were getting under old data to what they're going to be receiving under the new data.
- OPG model need to be updated, and does the LCFS regulations need to feed that data back into the cap-and-trade
- Now under this regulation, they're not.
MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses Jun 21st, 2026 at 12:00 pm
Transcript Highlights:
- It is a regulated financial data environment.
- What is not transmitted is the sales tax amount, any invoice-level data, or any other enhanced data.
- Nobody wants more data than what's already transmitted because again we get into a whole other data privacy
- So it is a system that allows for input of data.
- privacy and data security as a part of this conversation.
Summary:
The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing focused on interchange fees, sales tax and tip processing, chargebacks, fraud, surcharging, and the broader future of payment systems. Chair Paul Feeney and co-chair Rep. Jamie Murphy opened by explaining the commission’s charge and inviting testimony from small businesses, industry groups, banks, and policy experts. Representative Sean Garballey testified first, arguing that Massachusetts tourism depends on universal card acceptance and stable interchange, and urging the commission not to disrupt the current system ahead of major events expected to bring millions of visitors to the Commonwealth.
A large portion of the hearing featured independent restaurant owners and advocates describing thin margins and the burden of paying percentage-based processing fees on sales tax and tips that are not business revenue. Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others said restaurants often operate on very small profits and that processing fees on taxes and gratuities can amount to tens or hundreds of thousands of dollars annually. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, and limiting repeat abuse. Commission members pressed witnesses on whether tax and tip amounts could be separated at the point of sale, and several witnesses said current consumer card systems do not transmit that level of detail.
Testimony from credit union, banking, and payments representatives largely opposed state-level changes that would carve out taxes or tips from interchange, warning of compliance burdens, higher costs, reduced rewards, and possible effects on fraud protection and access to credit. Alex Verine of America’s Credit Unions and Deb Peters and Keely McEwen of the Electronic Payments Coalition said the payment system is complex, that interchange funds fraud prevention and network infrastructure, and that new state mandates could create operational and legal uncertainty. Dan Swanson argued states have authority to act and pointed to Illinois litigation and federal court rulings, while Julian Morris and Brad Popolado emphasized the benefits of card acceptance, the decline of cash, and the need to consider other payment methods and check fraud as well. Several witnesses discussed international payment systems, instant payments, and QR standards as possible future directions.
The chairs and members engaged in extended back-and-forth with witnesses about whether Massachusetts could exempt sales tax from swipe fees, whether surcharging should be revisited, and whether vendor compensation or other targeted relief might be more workable than broad changes to interchange. No votes were taken. At the close of the hearing, the chairs said the commission would hold one additional public hearing date to be determined, after which members would begin developing next steps and a report.