Transcript Highlights:

• <00:07:47.280> we and then we have claims against PIP. we and then we have claims against
• The other can all make these uh claims.
• <00:08:09.520> And claim to receive a larger payout.
• And claim to receive a larger payout.
• Um obtain to help cover with the claims.

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:15 Department of Insurance Update 00:01:39 Department of Financial Institutions Update 00:37:07 Insurance Industry Update 00:54:50 Credit Union Industry Update 01:10:53, 958, all

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

Transcript Highlights:

• justice in the MTCA process.
• Process.
• process.
• This is a long process.
• This is a long, a long process.

Summary: The committee first heard updates on the Model Toxics Control Act (MTCA) and related funding. Department of Ecology staff explained how MTCA and the hazardous substance tax support cleanup, prevention, stormwater, and local assistance programs, but said forecasted revenues have declined while appropriations and transfers have outpaced incoming funds. Ecology said the operating account will require underspending to stay balanced this biennium and that the problem is ongoing, with further reductions possible if forecasts worsen. Ecology also reviewed the state cleanup program, noting there are more than 14,500 cleanup sites in Washington and that new sites continue to be discovered faster than they are cleaned up. A question from Representative Lee raised the long-term issue of declining fossil-fuel-based revenue, and Ecology agreed that this is a future structural concern even though the current shortfall is driven more by forecasts and transfers than by fuel-use decline. The Pollution Liability Insurance Agency described its underground storage tank and heating oil programs, saying it has modernized from a reinsurance model to a financial assurance model with stronger state oversight and cleanup milestones. Russ Olson said the agency’s dedicated petroleum tax account is in strong financial condition, but emphasized the importance of preserving that funding source. He also discussed the loan and grant program for historic commercial releases and a new heating oil loan/grant program, while noting the agency is working on equity concerns where liens can be disproportionate to property values in smaller communities. Practitioners and advocates then offered differing views on MTCA’s performance: one attorney urged a collaborative review process to make cleanups faster, less expensive, and more certain, while another consultant argued the program is too conservative and process-heavy and should focus more narrowly on actual exposure and realistic cleanup standards. Environmental and community groups countered that MTCA is essential for cleanup, pollution prevention, stormwater control, and public participation, and that it is especially important for environmental justice communities such as the Duwamish Valley. Port and city representatives stressed that MTCA grants and cleanup funding are critical for large redevelopment projects, but said long timelines, permitting delays, and funding uncertainty can slow projects and jeopardize commitments. The committee then shifted to utility wildfire risk. Staff summarized recent legislation, including requirements for utility wildfire mitigation plans, creation of a wildfire mitigation standards work group, authorization for captive insurance by local governments and PUDs, securitization authority for disaster costs, and the existing wildfire response and resilience account. Chelan County PUD and Puget Sound Energy described extensive mitigation efforts such as vegetation management, grid hardening, undergrounding, AI smoke cameras, weather stations, enhanced operating settings, public safety power shutoffs, and community outreach. Both said wildfire risk is rising and insurance costs are increasing, and Chelan PUD asked the Legislature to restore funding to the wildfire response and resilience account. The Office of the Insurance Commissioner said a 2022 utility liability market study found insurance availability is tightening as perceived risk rises, and reported that a 2025 work group recommended restoring community resilience funding, requiring insurers to share wildfire risk scores and mitigation steps with property owners, and creating a grant program based on insurance industry wildfire standards. A PNNL scientist added that wildfire probability is increasing in parts of Washington and that mitigation requires long-term, landscape-scale coordination. The final speaker began describing California’s approach to wildfire risk, but the transcript cuts off before that presentation concluded.

Transcript Highlights:

• Jonathan claimed on behalf of Scripps Health in opposition.
• Jonathan claimed behalf of Scripps Health in Opposition.
• That process still requires individuals to come forward and demonstrate their inability to pay.
• This proposal claims veterans are being denied health care.
• Yet, just... ...help with their disability claims? This is the unmet need.

Keywords: 987, senate, all

Transcript Highlights:

• THE PROCESS FOR YOU.
• THEY ARE USED IN THE RATE DEVELOPMENT PROCESS.
• IT COSTS MORE IN THE PROCESS THAN THE PROBLEM.
• THE PRIMARY FEEDBACK WE GET IS THROUGH THE TIMELINESS OF OUR CLAIMS AND HOW WE ARE ADJUDICATING THE CLAIMS
• THAT'S ADDED TO THE ROI IN THE NUMBER OF CLAIMS WERE ABLE TO PROCESS BUT I ALSO KNOW SOMETIMES THEY'RE

Keywords: 999, senate, all

Transcript Highlights:

• in determining the validity of a claim, adds that if a cross-check indicates that a claim is ineligible
• And the second element is determining the validity of some of the claims.
• What's happening in many places is they come in, they make the claim, they're approved for the claim,
• Yes, I have, and it's a painful process, I'm sure.
• But we think that we're working through that process.

Bills: HB2010, HB2192, HB2199, HB2279, HB2310, HB2459, HB2501, HB2555, HB2690, HB2693

Keywords: digital goods, advertising, ownership, license, consumer protection, refund policies, streaming services, minors, content creators, online platforms, compensation, trust accounts, child protection, video content, privacy, employment, mobile homes, recreational vehicles, landlord tenant laws, tenant rights

Summary: The committee heard and acted on several bills. HB 2192, a child influencer bill, would require compensation for minors featured in monetized content to be placed in trust, allow takedown requests for content as minors become adults, and create remedies for sexualized depictions of minors. The sponsor and Google described it as a modern Coogan-trust style protection; some members raised concerns about the age-13 and age-18 provisions, but the bill received a do pass recommendation on a 9-0 vote with two present. HB 2501, an agency bill, conformed Arizona’s definition of appraisal management company to federal law and passed unanimously. HB 2693, which revises bona fide association rules to allow statewide chambers or business leagues to operate self-funded multiple employer welfare arrangements, drew support from the Chamber and small-business advocates but opposition from a coalition citing possible federal preemption; it passed as amended on an 8-1 vote. HB 2010, the digital goods disclosure bill, required clearer notice that online “purchases” may be licenses, prorated refunds if access changes, and removed some penalty language in amendment; supporters said it would reduce consumer confusion, while retailers argued federal law already covers the issue. It passed as amended 11-0. The committee also approved HB 2279, which limits liability for Grand Canyon river outfitters for inherent risks of rafting while preserving claims for gross negligence or intentional acts, despite constitutional objections from opponents; it passed 7-4. HB 2690, which tightens unemployment insurance eligibility by adding work-search and fraud cross-check requirements, was opposed by advocates who said it would add red tape and burden eligible claimants, but it passed 7-4. HB 2310, clarifying that qualified marketplace contractor agreements may be terminated unilaterally by the contractor, passed 10-0. HB 2555, requiring retail businesses to accept cash for purchases of $100 or less and banning cash fees, passed as amended 9-1 after debate over consumer access and business flexibility. Finally, HB 2199, which expands required education for RV park managers and shifts some enforcement duties to the Department of Housing, passed as amended 7-0 with three present. The committee then considered HB 2459, which would let mobile home park landlords recover actual utility charges and add an administrative fee for submetering; supporters said it would address overcharges and improve transparency, while opponents warned it could increase costs and confusion. The transcript cuts off before the final action on HB 2459.

Transcript Highlights:

• <00:31:17.760> that interdisciplinary review processes that interdisciplinary review processes
• , and dispute claims with DHS.
• transparency in the process and transparency in the process and hospitals<01:40:50.400> will<01
• <01:41:09.080> that those were the number of claims that those were the number of claims that
• claims?

Keywords: 1183, house

Transcript Highlights:

• But 24 hours is more than normal process in an oversight committee.
• was meant for, and it's not what this process allowed.
• <00:32:25.039> uh can, but that's not what this process uh can, but that's not what this process
• The last thing and I process allowed.
• been another bottleneck in the process been another bottleneck in the process to<00:53:54.240>

Transcript Highlights:

• vocal talent, strong musicianship, and a deep commitment to excellence through a rigorous audition process

Bills: SB683, SB1579, SB1389, SB1387, SB1390, SB1391, SB2063, SB1829, SB2060, SB1842, SB1398, SB1212, SB2158, SB102, SB1772, SB1958, SB2010, SB1595, SB1687, SB1684, SB2049, SB1966, SB1989, SB1191, SB1258, SB1920, SB1936, SB2143, SB2122, SB330, SB2071, SB2169, SB2069, SB2095, SB2157, SB1806, SB1430, SB206, SB1547, SB1849, SB1428, SB1653, SB1984, SB1644, SB1561, SB1813, SB1570, SB1796

Keywords: education, tax credit, student support, private school, Oklahoma Parental Choice Tax Credit, financial assistance, homeschooling, qualified expenses, property tax, valuation increase, taxpayer rights, homestead, protest process, school choice, tuition assistance, income limits, parental choice, accreditation, sales tax, motor vehicles

Bills: SB2169, SB2263, SB2360, SB2359, SB2031, SB2796, SB3090, SB3091, SB3092, SB2120, SB2593, SB2751, SB2135, SB2024, SB2872, SB3179, SB2308, SB2392, SB2470, SB2398, SB2902, SB2841, SB2436, SB2806, SB2691, SB2824, SB2645, SB2384, SB2697, SB3153, SB3156, SB888, SB2423, SB2746

Keywords: business competitiveness, economic development, DBEDT, Department of Business Economic Development and Tourism, business climate, regulatory reform, permitting, economic ranking, state ranking, top 10 states, business climate improvement working group, business revitalization task force, CNBC America’s Top States for Business, Hawaii business climate, workforce development, infrastructure, cost of doing business, tax competitiveness, labor unions, private sector

Transcript Highlights:

• requiring a form, a board, and an approval process, and how that process informs the witness's thoughts
• requiring a form, a board, and an approval process, and how that process informs the witness's thoughts
• So instead of forcing them to figure out the 11-step process, or even knowing such a process exists and
• or even knowing such the 11 step process or even knowing such a<02:32:11.600> process<02:32:12.080
• <02:36:36.000> take that processing take that processing take place<02:36:38.080> great

Keywords: 928, house, all

Summary: The committee heard testimony on House Bill 232, which would protect health care workers’ conscience rights in connection with certain procedures, especially abortion and sterilization, and also referenced contraception. The prime sponsor, Rep. Mark Pearson, said the bill is meant to prevent medical professionals from being forced to participate in procedures that violate their beliefs, while still prohibiting discrimination against patients based on protected characteristics. He said the measure was intended to help retain health care workers in New Hampshire and noted he had added an amendment to address concerns about people taking jobs only to later refuse duties, as well as emergency situations where a provider is the only one available. Committee members raised concerns about how broadly the bill and amendment were written. Questions focused on whether the protections could apply to non-physician staff such as schedulers, receptionists, or pharmacy employees; whether a provider could refuse to schedule, refer, or otherwise assist with services; and how “emergency” would be determined in practice. Several members also questioned whether the bill could affect access to contraception, including pharmacy sales and procedures such as tubal ligation, and whether the language was clear enough to prevent confusion or unintended refusals of care. Pearson said the bill was not intended to allow refusal of emergency care or general patient discrimination, and he acknowledged some language could be tweaked. Rep. Paige Boerman, a maternal-child health nurse, testified in opposition, saying she had seen pharmacists question prescriptions related to miscarriage care and that the bill could create barriers to contraception and other reproductive health services. She warned that the lack of a disclosure requirement and the broad definitions could create risks, especially in rural areas with limited providers. She also pointed to problems she said had occurred in other states, arguing the bill could lead to delayed care in emergencies. The hearing ended after questions and discussion; no vote or final action was taken in the portion provided.

Transcript Highlights:

• process, can you explain that briefly? process, can you explain that briefly?
• <00:39:16.160> the $250,000 or greater from claiming the $250,000 or greater from claiming
• , I'm curious for the tax credit claims, I'm curious for the tax credit claims, and<00:41:39.240>
• much that would end up getting claimed much that would end up getting claimed by<00:42:13.080>
• <00:42:30.720> by aspect of the tax credit claimed by aspect of the tax credit claimed by

Bills: SB3326

Keywords: renewable energy, energy storage, cost reduction, public utilities commission, Hawaii energy policies, 910, house, all

Summary: The joint committees on Energy and Environmental Protection and Labor heard SB 3326, a bill concerning a study of separating transmission from generation in Hawaii’s electric system. Testimony was largely opposed. Life of the Land argued that true separation on an isolated island grid has not been shown to work anywhere and said the bill would waste taxpayer money. Hawaiian Electric and the Public Utilities Commission also opposed the measure, saying Hawaii already uses competitive bidding for new generation, that the bill would add cost, complexity, and reliability risks, and that a new study would duplicate prior work. In response to questions, the PUC explained its existing competitive bidding framework and said it had not seen an island system fully restructure in this way. The chair then amended the bill’s intent to require the PUC to open a proceeding for an independent, comprehensive analysis of the state’s energy pathways, including cost reduction, financial risk, state energy goals, and reliability, rather than narrowly focusing on separation. Both committees voted to pass SB 3326 SD2 with amendments, with the Energy committee adopting the recommendation unanimously and the Labor committee adopting it with one reservation and two no votes. The Energy and Environmental Protection Committee then took up SB 2497 SD2, which would require electric utilities other than cooperatives to provide transparent, publicly accessible customer bill impact analyses and annual reports to the PUC. The Department of Commerce and Consumer Affairs and the PUC offered comments, with the PUC supporting the intent. Life of the Land said the proposed disclosure requirements would be too complex for most ratepayers to use meaningfully, while Hawaiian Electric said the bill could raise costs and slow projects, though it acknowledged some of the language changes and said much of the information is already available through existing planning and regulatory processes. Hawaii Clean Power Alliance and one individual testified in support. No vote was taken on SB 2497 SD2 during the excerpt. The committee also heard SB 3183 SD2, which would bar higher-income taxpayers from claiming the renewable energy technologies income tax credit for certain residential solar systems and would change refundability rules. The Department of Taxation, the Hawaii State Energy Office, and the Tax Foundation offered comments, while the Hawaii Solar Energy Association and numerous companies and individuals opposed the bill. Opponents raised concerns about impacts on financing models and the solar market. Members asked the Department of Taxation for data on how credits are claimed by homeowners versus third-party owners and on the refundability of the credit; the department said it did not have the information immediately available but would follow up. The chair indicated decision-making would likely be deferred to allow further review, and no vote was taken in the excerpt.

Transcript Highlights:

• to go through this process of an ERPO. to go through this process of an ERPO.
• The proponents of SB260004 will claim The proponents of SB260004 will claim herbals<00:48:50.240
• . process. process.
• <00:51:08.960> It's This is not due process. It's This is not due process.
• :23.599> claims, unsubstantiated claims, unsubstantiated claims, disproportionately<00:51:25.920

Keywords: 981, all

Summary: The Senate convened with a quorum, approved the February 2, 2026 journal, and received committee reports. The Education Committee recommended Senate Bill 19 be amended and sent to the Committee of the Whole with a favorable recommendation, and also recommended confirmation of several appointments, including James JB Holston as Executive Director of the Department of Higher Education and two members of the Private Occupational School Board. The Judiciary Committee recommended Senate Bill 5 be amended and referred to Appropriations with a favorable recommendation. The chamber then moved out of order for resolutions and took up Senate Joint Resolution 7, recognizing February 2026 as Black History Month. The resolution was read at length and included extensive findings on Black history nationally and in Colorado, highlighting figures such as Barney Ford, Clara Brown, early Black legislators, and more recent Black civic and legislative leaders. Senator Exum said there were no additional comments and noted that remarks would be made later in the House. The resolution was adopted on a 33-0 vote, and the current roll call was added as co-sponsors. The Senate also considered Senate Bill 10 on the third-reading consent calendar, a bill clarifying definitions used in agricultural property taxation. It passed unanimously, 33-0. The body then took up Senate Bill 4, which would expand who may petition for an extreme risk protection order. Senator Sullivan and supporters framed it as a public safety measure, while Senator Minority Leader and Senator Zamora Wilson opposed it, arguing it could create administrative burdens, unintended consequences, constitutional concerns, and costs. The debate continued with extended opposition remarks, but the transcript ends before a final vote on SB 4 is shown.

Transcript Highlights:

• The bill then outlines the process a debtor may use to assert a claim of coerced debt.
• <01:20:14.200> a The bill then outlines the process a The bill then outlines the process a
• <01:20:16.640> of debtor may use to assert a claim of debtor may use to assert a claim of
• the parole process. the parole process.
• in order to begin the search process in order to begin the search process with<01:37:13.840>

Keywords: 926, house, all

Summary: The House opened with a devotional reading for St. Patrick’s Day, followed by the Pledge of Allegiance and the reading of a resignation letter from Representative Hooper of Burlington. The letter said the House environment had changed significantly and that he was resigning before the next cycle, while thanking colleagues and urging bold leadership to address major problems facing Vermonters. Members then received first readings and referrals for a large slate of bills. House bills introduced included measures on tax administration, hunting license fees, emergency management, oath and affirmation language in statutes, judiciary procedures, a Vermont homelessness response continuum, paperwork reduction, public utility subjects, municipal regulation of agriculture, miscellaneous agricultural subjects, and municipal permitting of ground-mounted solar arrays. Senate bills referred to House committees included vocational rehabilitation, home improvement and land improvement fraud, advanced metering infrastructure devices, water quality, and fair employment practices. Several other bills on the notice calendar were also referred to Ways and Means or Appropriations because they affected state revenue or carried appropriations. The House adopted two concurrent resolutions on the consent calendar: HCR 214, honoring Irish-American patriots and their role in American independence, and HCR 220, welcoming the USS Vermont’s namesake visit and designating April 18, 2026 as USS Vermont Day. Members also offered announcements recognizing guests from the USS Vermont and related veterans’ groups, remembering former Representative Ken Harvey, and noting upcoming events such as March Madness pools, the Legislative Cabaret, a Rural Caucus meeting, and a NAMI Walks team. On the floor calendar, H. 723 on posting of land was taken up, amended as recommended by the Committee on Environment, and ordered to third reading on a 10-0-1 committee vote. The House then began second reading of H. 757 on manufactured homes and limited equity cooperatives; committee members described manufactured housing as a key affordable housing option in Vermont and said the bill would clarify how these homes are purchased, titled, taxed, and financed, while reducing costs and improving consistency for homeowners, lenders, and municipalities.

Transcript Highlights:

• We agree that there are definitely fixes that need to be made to the current process, although the process
• The impact with ACA taking over this process.
• How would an insurance company process the close?
• How would an insurance company process the closed?
• How would an insurance company process the claim? Is there a DX code for it?

Summary: The committee heard several health-related bills. SB 1082 would let providers or insurers in state-regulated commercial plans opt into the federal independent dispute resolution process for emergency out-of-network claims, with a late-filed amendment clarifying access to the state program in certain circumstances. The bill sponsor and emergency physicians said the measure would reduce litigation and improve payment resolution; the committee adopted the amendment and reported the bill favorably as a committee substitute. SB 1168 would centralize background screening work for the care provider clearinghouse at the Agency for Health Care Administration and update related screening rules, including sealed and expunged records for qualified entities. The sponsor said the change would speed turnaround and reduce duplication; an amendment was adopted, and the bill was reported favorably as a committee substitute. SB 1156 would move ambulatory surgical center regulation out of Chapter 395 into a standalone section of law, and it was reported favorably without amendment. SB 1480, as amended by a strike-all, would grandfather certain temporary certificate holders practicing in areas of critical need if federal designations change, allowing them to continue seeing current patients and potentially new patients in their existing area subject to board oversight. The committee heard support from health system representatives and reported the bill favorably. The final and most debated measure, SB 1756 on medical freedom, would require vaccine education materials and alternative schedules, expand school immunization exemptions to conscience-based objections, clarify limits on emergency vaccination orders, and allow pharmacists to dispense ivermectin behind the counter with written information. The sponsor and supporters framed it as parental choice and access, while physicians, public health advocates, cancer advocates, and parents of immunocompromised children warned it would lower vaccination rates and increase disease risk. The committee adopted a liability-related amendment, rejected a substitute amendment that would have required consultation for exemptions, and continued hearing public testimony opposing the bill; the transcript ends before final action on SB 1756.

Transcript Highlights:

• process.
• But our wage claim process is broken, and while the laws require that claims be resolved within 135 days
• Assembly Bill 747 by Assembly Member Kalra, an act relating to service of process.
• AB 747 will protect against fraudulent or improper service of process.
• And this bill, we've continued to refine as it's gone through the process.

Summary: The Assembly convened with a quorum call, prayer, and Pledge of Allegiance, then moved through a long daily file of bills. Early procedural motions included a failed attempt to suspend the rules for AB 1219, followed by consideration of numerous measures on housing, veterans, education, elections, energy, wildfire prevention, public safety, and consumer affordability. Several bills drew bipartisan support and passed overwhelmingly, including AB 878 on safety accommodations for survivors of violence, AB 948 on school district facility maintenance, AB 81 and AB 88 on veterans’ mental health and student aid, AB 640 on school board fiscal training, AB 660 on housing permit timelines, AB 1048 on workers’ compensation billing disputes, AB 1119 on dual credentialing, AB 1172 on inhalable anti-seizure medication access, AB 1227 on wildfire prevention, AB 1285 and AB 696 on lithium-ion battery safety, AB 1417 on offshore wind transparency, AB 1530 on disaster recovery assistance, and AB 353 on affordable home internet. Some measures drew opposition or more divided votes, including AB 704 on sealing certain misdemeanor records, AB 1249 on early voting access, AB 1280 on thermal energy incentives, AB 1448 on offshore oil protections, AB 380 on price gouging, AB 402 on Cal Grant increases, AB 1074 on CalWORKs reunification, and AB 1084 on expedited gender-change and name-change court orders. The Assembly also granted reconsideration on AB 435, a child passenger safety bill, and passed it after debate on the five-step safety-seat standard. The floor debate featured recurring themes of affordability, housing, wildfire preparedness, election access, veterans’ services, and public safety. Supporters of the election bill AB 1249 argued it would simply add a Saturday early-voting option in non-VCA counties, while opponents raised concerns about verification and county staffing. AB 30, authorizing E15 gasoline in California, was presented as an urgency measure to lower fuel costs and passed unanimously on the urgency and the bill. AB 1466 on groundwater disputes was also taken up, with the author arguing it would reduce frivolous litigation and better represent all water users; the vote was 42 ayes and 17 noes. After completing the file, the Assembly recessed for lunch, later returned, and continued with additional file items, with many measures passing on strong bipartisan votes.

Transcript Highlights:

• How many people filed these claims to get this data?
• But then, in December of last year, he was contacted again by someone claiming to be a friend of his,
• And typically, they only get found when they actually have a claim.
• And when the claim comes in, it comes to us, and we prosecute it.
• They all get medical receipts and submit their claims and get paid.

Keywords: 1204, all

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, the Attorney General’s office, the state bank and securities commissioner, the insurance department, AARP, and mortgage industry representatives. Witnesses described fraud as increasingly organized, technology-driven, and often transnational, with common schemes including spoofed bank calls and texts, fake websites and social media impersonations, business email compromise, gift card and wire scams, crypto kiosk fraud, check fraud, and mortgage/real estate fraud. Several witnesses emphasized that seniors are disproportionately targeted and that losses are often underreported because victims feel embarrassed or do not know where to report incidents. Testimony highlighted both state and national responses. Bankers and regulators pointed to Arkansas’s 2025 actions on crypto ATMs and elder-fraud education, including training for gift-card sellers and safe-harbor protections for banks under the Safe AR Act. The Attorney General’s Consumer Protection Division described its complaint process, a new financial fraud task force, and examples of recovered funds, including quick recoveries from Bitcoin kiosk scams and wire fraud cases. The American Bankers Association and others urged stronger accountability for telecoms and social media platforms, citing spoofed caller ID, impersonation ads, Section 230 issues, and the need for a national scam-prevention strategy or federal office. Artificial intelligence was identified as a major emerging risk because it can generate convincing scam emails, websites, and impersonation content at scale. Members asked about reporting procedures, whether banks reimburse fraud losses, how crypto affects recoverability, the safety of tap-to-pay versus chip use, and whether public online records contribute to fraud. Witnesses generally advised victims to report scams through the proper channels, avoid clicking links or responding to suspicious messages, and verify requests independently by contacting institutions directly. The committee also heard that banks and regulators are already sharing information and educating consumers, but that more legislative and cross-agency action may be needed. No formal vote or bill action was taken beyond approval of the November 3, 2025 minutes.

Transcript Highlights:

• Of our regular redistricting process.
• This is a blatant, arrogant, conceited process.
• Now, in 2025, a flimsy DOJ letter claims race-blind maps.
• Oh, you just claimed her.
• And the process has been just as troubling as the plan itself.

Keywords: 1185, senate, all

Transcript Highlights:

• I just wanted to inform the Chairman that I've done this process and I may have to leave because of another
• Bank of America claimed it no longer wanted to serve their business type and because Indigenous Advanced
• Opponents claim that medical and dental plans are too different to be regulated similarly.
• Opponents claim that dental loss ratio will limit consumer options, raise premiums, and lead to market
• So if we have a low claim year and then the following year we have a high claim year, we rely upon the

Keywords: 923, senate, all

Transcript Highlights:

• House Bill 804 by Representative Guyman is an act to be entitled 30 relative to claims for damages caused
• , and creates penalties for payers who fail to report required data or fail to timely pay medical claims
• A clarifying... ...merely by education and experience in the medical subject matter on the claim.
• It simplifies the process by requiring the arresting agency to submit evidence directly to the National
• . ...inconsistencies and efficiencies in ways to improve and secure the election process.

Keywords: 974, senate, all

Transcript Highlights:

• process and influence it. process and influence it.
• <00:35:13.119> or that if there are uh false claims or that if there are uh false claims or
• Well, the process through look like?
• contempt principles and due process contempt principles and due process principles.<01:13:31.920
• pre-existing doctrines of due process pre-existing doctrines of due process and<01:35:28.560>

Keywords: 1189, house, all

Summary: The commission met on November 12 and first approved the September 17 and October 15 draft minutes unanimously after brief discussion. Members also identified themselves for the record, including a new member from Bumpsk Bank, a staff attorney from the Secretary of State’s Bureau of Securities Regulation, a prior crypto commission participant, and a uniform law commissioner involved in tokenization projects. The main presentation was by UNH law professor Seth Orinberg, who discussed the federal GENIUS Act and the pending Clarity Act and how they affect New Hampshire’s options in the digital asset space. He described the GENIUS Act as governing payment stablecoins/stable tokens, defining them as blockchain-based assets used primarily for payments, redeemable for a fixed amount of national currency, and required to maintain stable value. He said the law creates three possible state roles: hosting federally qualified issuers, becoming a state qualifier for issuers up to a $10 billion threshold, or exploring state-backed issuance as a sovereign. He noted that the state-qualification path would require conforming legislation, examination capacity, and coordination with Treasury, while the sovereign-issuer theory is legally uncertain and may become a test case. Orinberg also outlined the core compliance framework he said applies to covered issuers: 100% reserve backing in high-quality liquid assets, monthly public reserve reporting, no yield or interest-like rewards, segregation of reserve assets, immediate redemption at face value, and anti-money-laundering/know-your-customer obligations. He then turned to the Clarity Act, describing it as a broader market-structure bill that would create categories such as digital asset, digital commodity, digital security, and ancillary asset, with self-certification procedures for issuers. He said the two federal laws together would separate payments from investments, preempt inconsistent state standards for covered payment stablecoins, and likely reshape the boundaries of state authority over digital assets.