Video & Transcript Research : 'consumer disclosure'

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DE

Delaware 2025-2026 Regular Session

Senate Elections & Government Affairs Committee Meeting Jun 18th, 2026

Elections & Government Affairs

Transcript Highlights:
  • This is a straightforward consumer protection bill responding to a growing and well-documented problem
  • Failure to participate meaningfully in this process constitutes a willful violation of the Consumer Fraud
  • This legislation was developed in coordination with DOJ's Consumer Protection Unit and is supported by
  • a broad coalition, including AARP, NCAC, NAACP, CLASSY, and consumer protection attorneys with decades
Summary: The Senate Elections and Government Affairs Committee met in hybrid format, approved the June 10 draft minutes, and then heard a long agenda of bills. HB 89 (home improvement fraud dispute resolution) was presented as a consumer protection measure developed with DOJ to address contractor fraud, especially against vulnerable homeowners; members voiced support and asked to be added as sponsors. HB 283 updated realty transfer tax exemptions to use gender-neutral “spouses” language and add a direct grandparent-to-grandchild transfer exemption; it drew supportive public comment. HS1 for HB 390 would let DelDOT choose electronic-only bidding for projects, remove newspaper bid-opening notices, and clarify bidding records, with no opposition raised. HB 328/H.A. 2 modernizes the Register of Regulations statute, keeps newspaper distribution requirements, and delays some effective dates to 2027; it was described as a technical update. HB 365 would create the Delaware Indigenous Affairs Commission, prompting supportive testimony from Indigenous community members and some discussion about representation and internal tribal اختلافs, but no formal opposition. HB 423 would automatically enroll new state employees in the 457B deferred compensation plan unless they opt out, with exclusions for collective bargaining units and implementation tied to payroll readiness; it was presented as a retirement-savings measure. SS1 for SB 342 would modernize the Delaware Motion Picture and Television Development Commission to support a broader film/media incentive package, with support from the Delaware Arts Alliance and a request to help attract productions to Delaware. The committee also heard SB 331, a cleanup bill on garagekeeper liens for manufactured housing and related assets. The sponsor and an attorney explained it as clarifying who can recover funds and attorney’s fees in lien sales, but the Chief Magistrate and the manufactured housing association said the issue should be addressed more carefully and possibly in another section of code; they were open to further work. HB 436 would update the Smyrna charter, including school impact fees, election challenge procedures, vacancy rules, domicile standards, Board of Elections terms, and meeting schedules. HS1 for HB 376 made technical and organizational changes to the Millville charter, including a tiebreaker for municipal elections and a property tax cap, with the town solicitor saying there was little substantive change. HB 460 would require New Castle County municipalities to submit permit data monthly rather than on a much slower schedule, limited to closed permits with certificates of occupancy, to improve property assessment data; it was presented as part of broader reassessment/data-quality efforts. Public comment was heard on several items, especially HB 365 and SS1 for SB 342. Indigenous speakers supported the commission as a way to preserve heritage, improve representation, and create a formal seat at the table. The Delaware Arts Alliance supported the film commission modernization bill as part of a broader creative-economy plan. No recorded votes were taken on the individual bills in the transcript, and the meeting ended with a unanimous motion to adjourn.
TX
Transcript Highlights:
  • What that means is that if inflation did go up, consumers would pay more, but if it went down, consumers
  • What that means is that if inflation did go up, consumers would pay more, but if it went down, consumers
  • disclosure standpoint, but when a consumer pays off early and we have to repay them unearned interest
  • I'm limited to the Consumer Protection Division. I'm limited to the Consumer Protection Division.
  • Now, this bill is not about protecting consumers.
Summary: The committee took up pending business first and reported several bills favorably, including SB 2139, SB 2610, SB 1856, SB 2530, SB 2401, SB 2858, and SB 3016, with most of those measures moving out on committee substitutes and being sent to the local and uncontested calendar or to the full Senate. The committee also heard SB 1906 on expanding Chapter 342E consumer lending rates; supporters argued it would modernize Texas law and expand access to safe, regulated credit, while opponents from Texas Appleseed and AARP warned it would raise costs on already expensive loans and worsen debt burdens. SB 1906 was left pending after testimony. The committee also reconsidered and re-voted SB 1856 after a procedural issue, with the substitute ultimately adopted and the bill reported favorably. The committee then heard SB 1113, which would clarify that certain vehicle converters, including a Texarkana business, do not need an additional dealer license to sell converted vehicles. The bill’s supporters described a long-standing business model and said the new metal license plate rules had created problems, while the Texas Automobile Dealers Association opposed the bill in its current form and said it could be resolved through DMV action or narrower changes. DMV said it was still researching a possible administrative fix, and SB 1113 was left pending. The committee also heard SB 2680, a Public Information Act cleanup bill dealing with emergency deadlines, business-day exclusions, and litigation timing; broadcasters and other open-government advocates argued the issues were already addressed by prior law and court rulings, while the Attorney General’s office said the bill would help with catastrophe notices and timing conflicts. SB 2680 was left pending. Other bills heard included SB 1117, which would allow any Texas-licensed dentist to administer botulinum toxin neuromodulators for aesthetic purposes in the oral and maxillofacial region; the author and dental witnesses said it would clarify scope and improve access, and the bill was left pending. SB 2340 would clarify the Attorney General’s investigative authority over Texas corporations, including pre-suit depositions and sworn written questions; opponents raised due process and separation-of-powers concerns, and the bill was left pending. The committee also heard SB 705 and SB 748, both TDLR cleanup bills, and SB 1206, which would impose timelines and notice requirements on municipalities reviewing transmission projects; SB 1206 was supported by an electric cooperative and left pending. SB 1460, creating an ethics violation registry tied to licensing consequences, drew constitutional and due-process objections from several witnesses and was also left pending. After a recess, the committee heard SB 1802 on landlord duties to repair mobility assistance devices like elevators and ramps in rental housing, with the author describing prolonged outages affecting seniors; the bill was left pending. Finally, SB 2455, creating an Energy Waste Advisory Committee to coordinate efficiency and demand-response programs, drew support from energy-efficiency and environmental witnesses and was left pending, and SB 2690, targeting deceptive business-certification solicitations, was laid out and opened to testimony before the transcript ended.
TX

Texas 89th Regular

Insurance Apr 9th, 2025

Insurance

Transcript Highlights:
  • Would this, generally speaking, overall, lower rates for consumers, raise rates for consumers, or would
  • As a result of the use of scores, higher risk consumers pay higher premiums." ...and lower risk consumers
  • Does it go into the pocket of that consumer?
  • it can hurt the consumer, right?
  • This is a consumer choice. If you take this away, consumers will not have the option to have this.
TX

Texas 89th Regular

Insurance Apr 9th, 2025

Insurance

Transcript Highlights:
  • So the better informed and the better equipped that consumers are to understand this...
  • Not all consumers are going to, you know, not all consumers care.
  • Fair and equitable rates for these consumers. I'll be glad to address any questions.
  • In full disclosure, I like the bill. I love the bill. I like what it does.
  • But they did find that it was only a $900,000 cost shift from consumers.
NM

New Mexico 2026 Regular Session

Senate - Conservation Feb 12th, 2026 at 09:03 am

Senate Conservation

Transcript Highlights:
  • Consumer sales and service stations.
  • And I think that is unfair for consumers.
  • It directly affects New Mexico consumers and communities.
  • So my first question is: what is the benefit to the consumer for a direct-to-consumer sales model?
  • consumers.
Bills: SB22, SB310
MN

Minnesota 2025-2026 Regular Session

Commerce Committee Meeting - 2025-04-10

Commerce Finance and Policy

Transcript Highlights:
  • don't go looking for medical debt; it's not like buying a flat-screen television or any sort of consumer
  • So this is an essential investment in the department that will ensure that consumers and businesses we
  • program that stabilizes individual market premiums, maintains enrollment levels, and ensures that consumers
  • As more Minnesotans are driving electric vehicles, we must ensure that consumers are getting what they
Bills: HF1646, HF2443
MN

Minnesota 2025 1st Special Session

House Judiciary Finance and Civil Law Committee 3/11/25

Judiciary Finance and Civil Law

Transcript Highlights:
  • So the prohibition on disclosure would not apply to those mandated reporting requirements.
  • So the prohibition on disclosure would not apply to those mandated reporting requirements.
  • The prohibition on disclosure would not apply to those mandated reporting requirements.
  • Because of the prohibition on disclosure in this bill, it doesn't get to be part of the process.
  • Because of the prohibition on disclosure in this bill, it doesn't get to be part of the process.
Bills: HF1917, HF1083, HF367
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 2/26/26

Commerce Finance and Policy

Transcript Highlights:
  • the things that we do protect consumers the things that we do protect consumers because<00:16:20.320
  • in 2024 to add needed consumer in 2024 to add needed consumer protections<00:23:07.919> to
  • ,<00:23:17.360> disclosure<00:23:17.919> of<00:23:18.240> information disclosure
  • , disclosure of information disclosure, disclosure of information like<00:23:19.039> fees<00:23
  • > access<00:29:54.000> to Consumers will still have access to Consumers will still have
Bills: HF3642, HF2700, HF3615
Summary: The Commerce Finance and Policy Committee met on House File 3642, which would prohibit virtual currency kiosks in Minnesota. The bill was laid over, and the committee adopted a DE1 author’s amendment. Chair Kaggel and Representative Perryman described the measure as a response to widespread scams using crypto kiosks, especially against older adults and other vulnerable people, and said they would continue working with the Department of Commerce and other stakeholders. Testimony from law enforcement and advocates strongly supported the ban. A St. Cloud police sergeant and a Woodbury detective described cases in which victims lost large sums, said the current safeguards and refund rules are being bypassed, and argued that the kiosks are difficult to investigate because funds move quickly and often overseas. An AARP Minnesota volunteer also supported the bill, saying kiosks are a preferred tool for scammers and that existing protections have not kept pace with the problem. The Department of Commerce said it strongly supports the bill and reported that it has received 120 complaints over three years involving nearly $1 million in reported losses, with 2025 the worst year so far. The main opposition came from CoinFlip’s general counsel, who argued that the problem is fraud generally, not kiosks themselves, and said Minnesota already has consumer protections, including refunds for eligible victims. He urged stronger regulation rather than a ban, citing blockchain analytics, hold periods, and 24-hour customer service as alternatives. Committee members then asked questions about how long kiosks have operated in Minnesota, how many there are, who owns them, and the scale of losses; Commerce said there are hundreds statewide, operated by a variety of companies, and that reported losses are likely undercounts.
TX

Texas 89th Regular

Trade, Workforce & Economic Development May 21st, 2025

Trade, Workforce & Economic Development

Transcript Highlights:
  • Senate Bill 2637 would require social media platforms to add a disclosure.
  • Members, remember this bill by Senator West relating to the responsibility of consumer reporting agencies
  • to ensure compliance with certain consumer protections. ...reporting laws.
  • or discriminate against consumers.
  • You can't lie to somebody; you can't lie to a consumer about the condition, you know, that.
TX
Transcript Highlights:
  • SB 331 is intended to allow the consumer to select health care treatments that align with their best
  • If providers are confused about what constitutes a CCRC, we can be certain that consumers are confused
  • Finally, it has consumer protections.
  • Senate Bill 1522 offers greater consumer protection by clarifying what constitutes continuing care and
  • So the bill requires... a disclosure of if you're going to make a change to the contract.
TX

Texas 89th Regular

Education K-16 (Part I) May 22nd, 2025

Education K-16

Bills: HB4, HB20
Summary: The Senate Committee on Education K-16 heard a series of higher education and K-12 bills, initially without a quorum and with several measures left pending subject to the call of the chair. Early bills included HB 1868, which would direct a study on lowering the dual-credit funding threshold for public junior colleges from 15 to 9 semester credit hours; HB 2598, which would replace statutory references to “licensed specialist in school psychology” with “school psychologist”; HB 3629, which would bar registered sex offenders from serving on independent school district boards of trustees; and HB 4361, which would require the Higher Education Coordinating Board to adopt rules for timely emergency notifications at public institutions of higher education. Each received brief sponsor explanations, no opposition testimony, and was left pending. The committee also heard HB 4848, requiring public higher education systems to ensure at least one institution offers affordable competency-based bachelor’s degree programs in high-demand fields, and HB 1211, which would remove the age 25 deadline for former foster youth to use public college tuition waivers. HB 1211 drew extensive supportive testimony from Texas CASA, a former foster youth who benefited from the waiver, and a current student headed to medical school, all arguing the change would better match the realities faced by youth aging out of care. Members discussed the bill’s fiscal uncertainty and the argument that the waiver is an investment in workforce participation; the bill was left pending. Later, the committee heard HB 20, creating an Applied Sciences Pathway Program to let high school students earn certificates in targeted industries such as welding, plumbing, electrical work, manufacturing, and oil and gas while in school. Industry and workforce groups strongly supported the bill as a way to address labor shortages, while Texas 2036 raised concerns about allowing applied versions of core academic courses to substitute for traditional instruction. HB 4687, which would extend governmental immunity protections to certain campus/district charter schools and adult charter high schools, also received support from a charter-school attorney who said it would align statutes with existing case law and not expand charter rights. HB 4236, as substituted, would create a study group to examine the property value study’s effect on school finance and alternative valuation methods; it was adopted as a committee substitute and left pending. The committee also heard HB 824 on civics instruction in high school government courses and HB 2243, which would create a commission on teacher job satisfaction and retention; the latter prompted debate over removing “ethnic diversity” language from the commission’s makeup. After adopting the substitute for HB 2243 by roll call, the committee recessed subject to the call of the chair.
TX

Texas 89th Regular

Education K-16 (Part II) May 22nd, 2025

Education K-16

Bills: HB4, HB20
Summary: The committee first took up House Bill 2853, which would allow the UT System Board of Regents to adjust the University of Texas at El Paso student union fee above the current statutory cap, subject to student approval, to help fund a new student union building. Senator Blanco explained the bill and the committee substitute, there were no questions or witnesses, public testimony was closed, and the committee adopted the substitute and left the bill pending subject to the call of the chair. The committee then heard House Bill 610, which would limit severance payments for terminated independent school district superintendents to six months’ salary and benefits. Senator Paxton described large severance payouts and said the bill had passed the House overwhelmingly. There were no witnesses, public testimony was closed, and the bill was left pending. A lengthy hearing followed on House Bill 4623, which would waive school district immunity in certain cases involving negligent hiring, supervision, or employment of professional school employees who commit abuse or related misconduct against students. Senator Paxton and several witnesses, including survivors and parents, argued the bill was needed to address cover-ups, delayed reporting, and repeated failures to remove dangerous employees; some members raised concerns about liability caps, litigation, and how the bill would interact with the Tort Claims Act. The committee also heard from TEA staff and employee-group witnesses who discussed possible injunctions and stronger no-hire protections. Public testimony was then closed and the bill was left pending. Finally, the committee heard House Bill 4, an accountability and assessment bill that would restore A-F ratings, change the state testing system, and replace STAAR with shorter, more instructionally useful assessments. Senator Bettencourt explained the committee substitute, including annual ratings, limits on taxpayer-funded lawsuits, and a phased-in testing redesign with beginning, middle, and end-of-year assessments. Testimony was generally supportive from education and business groups, though some witnesses favored norm-referenced testing while others emphasized criterion-referenced, TEKS-aligned assessments; one witness noted social studies assessments were restored in the bill. The hearing concluded with additional invited testimony and no final vote reported in the transcript.
MN

Minnesota 2025-2026 Regular Session

Judiciary Committee Meeting - 2026-03-26

Judiciary Finance and Civil Law

Transcript Highlights:
  • This section briefly requires transparency through disclosure for board and property management folks
  • Basically, this bill adds a definition of health data to the Minnesota Consumer Data Privacy Act.
  • <01:55:39.760> requirements<01:55:40.320> from disclosure requirements from disclosure
  • It keeps bad actors consumer deception.
  • and consumers. and consumers.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Mar 24, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • We are convening the Committee on Consumer Protection and Commerce.
  • of a condo owner as a as a consumer. of a condo owner as a as a consumer. So. So. So.
  • First up is DCCA's Office of Consumer First up is DCCA's Office of Consumer Protection<00:43:13.520
  • I have a question for Office of Consumer Protection.
  • Office of Consumer Protection with comments.
Summary: The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion. The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown. Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing. Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.
TX
Transcript Highlights:
  • And it is very challenging from the consumer standpoint, and I don't want to speak for staff.
  • And it is very challenging from the consumer standpoint, and I don't want to speak for staff.
  • The Office of Public Utility Counsel, OPUC, actively intervenes in rate cases on behalf of consumers
  • This sets appropriate rates, often resulting in increases to consumers.
  • These costs can significantly impact Texas consumers' monthly electricity bills.
Summary: The Senate Business and Commerce Committee met with a quorum and first took up pending business, voting out several bills. Senate Bills 1697, 1569, 1202 as substituted, 1029, 1364, 1185, 924, 1008 as substituted, 264, 1376, and 1358 as substituted were reported favorably, with some sent to the local and uncontested calendar. The committee also adopted a substitute for SB 1202 and later corrected votes on several measures. SB 924 and SB 1376 drew some opposition, while the rest of the pending bills were reported without dissent or with limited nays. The committee then heard testimony on SB 1856, which would create an annual capacity-cost recovery rider for Entergy Texas customers in the MISO region. The author and Entergy argued the bill would better match rates to actual capacity costs and improve transparency, while the Texas Association of Manufacturers and the Public Utility Commission raised concerns about the short 10-day review period, rider proliferation, and the preference for full rate cases over piecemeal adjustments. The bill was left pending. The committee also heard and left pending SB 522 on CPA reciprocity, SB 1664 requiring TDUs to provide clearer, standalone rate-change disclosures, SB 1877 expanding OPUC’s access to market data, SB 1254 and SB 1255 as TDLR cleanup bills on professional employer organizations and mold assessors, SB 1341 updating manufactured housing rules, SB 1239 on sovereign debt and Texas governing law, and SB 1259 streamlining the surveyor-in-training licensing process. Additional bills discussed included SB 1977, which would cap recoverable legal expenses in electric, water, and sewer rate cases; OPUC and some consumer advocates supported the idea as a way to reduce ratepayer costs, while utility representatives warned it could discourage participation and increase rate shock. The committee also heard SB 1762 clarifying that geothermal energy conservation wells are not battery resources, and SB 783 allowing SECO to proceed with future energy-code rulemaking for state-funded buildings. Both drew supportive testimony from industry and environmental groups. All remaining bills heard during the meeting were left pending, and the committee recessed subject to the call of the chair.