Transcript Highlights:

• Thank you for your information.
• But you guys are part, you've put forth some information.
• to a request under the PIA; two, personal identifying information held by other governmental bodies
• in response to a request under the PIA; and three, identifying home address information and tax appraisal
• requested in the substitute.

Bills: SB438, SB512, SB647, SB648, SB1495, SB2121, SB2145, SB2154, SB2167, SB2184, SB2211, SB2268, SB2349, SB2443, SB2629, SB2702, SB2902

Keywords: SB 438, Texas, State Office of Administrative Hearings, SOAH, administrative law judge, ALJ, public information act, open records, confidentiality, privacy, home address, home telephone number, emergency contact information, social security number, family members, Government Code 552.117, Government Code 552.1175, Tax Code 25.025, public records, government transparency

Summary: The Senate Committee on Business and Commerce met with a quorum and took up several pending bills, voting favorably on SB 1612, SB 2717, SB 1468, SB 1642, and SB 1789. SB 1612 was reported favorably with objections to the local and contested calendar, while SB 2717, SB 1468, SB 1642, and SB 1789 were reported favorably, with SB 1642 and SB 1789 sent to the floor. SB 2717 would create the Texas Energy Efficiency Council; SB 1642 would add an executive director to the Texas Department of Insurance structure; and SB 1789 would establish pole standards and clarify PUC authority and remedies. The committee also heard an ERCOT update from CEO Pablo Vegas on the updated long-term load forecast, which showed a much higher unadjusted growth projection driven largely by data centers. ERCOT described an adjusted forecast using historical delays and lower realized build rates, and members discussed reliability, generation timelines, and the importance of SB 6 for demand response and flexibility. The committee then heard and left pending SB 2629, which would allow condominium and property owners’ association meetings and voting by electronic means; SB 2702, which would let nationally certified professionals test backflow prevention assemblies without a separate TCEQ license; SB 2167, which would let TDLR pause new license applications tied to human trafficking emergency orders or pending SOAH cases; SB 2349, which would exempt short-term leases and certain leasebacks from flood disclosure requirements; SB 2121, which would tighten the data broker registry law; and SB 2443, which would authorize TDLR electronic delivery of notices and other documents. Testimony generally supported these bills as cleanup, modernization, or workforce-streamlining measures, with some members expressing caution about electronic meetings and emphasizing in-person accountability. The committee also heard SB 2902 on coerced debt and identity theft, with testimony from a law professor and family violence advocates supporting stronger protections for survivors and suggesting a police report as an additional proof option. SB 512, a refiled bill restricting money transmission license holders from fining users for terms-of-service violations, also received supportive testimony and was left pending. Later, the committee heard SB 2145 on allowing certain TIF boards to meet virtually in narrow circumstances, SB 2268 on extending Texas Energy Fund loan deadlines in some cases, SB 1495 creating an EV supply equipment advisory board, SB 2154 regulating delivery network companies under a statewide framework, SB 2184 lowering the age for pyrotechnic operator and fireworks display permits from 21 to 18, SB 2211 on combining data centers, power generation, and produced-water desalination projects, and SB 647 on title theft protections and clerk authority to refuse fraudulent filings. Most of these bills were left pending after brief testimony and questions, with members focusing on reliability, regulation, and safeguards against fraud.

Transcript Highlights:

• response to a request under the PIA; two, personal identifying information held by other governmental
• bodies in response to a request under the PIA; and three, identifying home address information and tax
• response to a request under the PIA; two, personal identifying information held by other governmental
• bodies in response to a request under the PIA; and three, identifying home address information and tax
• requested.

Bills: SB438, SB512, SB647, SB648, SB1495, SB2121, SB2145, SB2154, SB2167, SB2184, SB2211, SB2268, SB2349, SB2443, SB2629, SB2702, SB2902

Keywords: SB 438, Texas, State Office of Administrative Hearings, SOAH, administrative law judge, ALJ, public information act, open records, confidentiality, privacy, home address, home telephone number, emergency contact information, social security number, family members, Government Code 552.117, Government Code 552.1175, Tax Code 25.025, public records, government transparency

Summary: The Senate Committee on Business and Commerce met with a quorum and first voted out several pending bills. Senate Bill 1612 was reported favorably to the full Senate with objections sent to the local and contested calendar. The committee then adopted committee substitutes and favorably reported Senate Bills 2717, 1468, 1642, and 1789, with 1642 and 1789 sent to the floor. SB 2717 would create the Texas Energy Efficiency Council and add agencies to it; SB 1468 and SB 1642 were discussed as changes affecting utility and insurance-related structures; and SB 1789 would establish pole standards, with the author saying it would clarify PUC authority and create more practical statewide standards. The committee also heard an ERCOT update from Pablo Vegas, who said Texas load growth remains strong but ERCOT is adjusting its large-load forecast downward using historical delays and realization rates for data centers and other large loads. He said the adjusted forecast is still very high, but more realistic for planning, and members discussed reliability, generation timelines, demand response, and the role of Senate Bill 6 in helping model large data centers as flexible load. The committee then took testimony on a series of bills and left most pending after public comment. SB 2629 would allow condominium and property owners associations to hold meetings and vote electronically; testimony supported it as a way to improve access, though some members expressed concern about overuse of virtual meetings. SB 2702 would let nationally certified professionals test backflow prevention assemblies instead of requiring a separate TCEQ license, and was supported as a workforce and public health measure. SB 2167 would let TDLR pause new massage-establishment license applications when an applicant is subject to a human trafficking emergency order or pending SOAH case. SB 2349 would exempt short-term residential leases and certain leasebacks from floodplain disclosure requirements while allowing the notice to be included in the lease packet. SB 2121 would tighten the data broker registry law from the prior session, and SB 2443 would allow TDLR to use electronic delivery for notices and contested-case documents. Additional bills focused on consumer protection, housing, and regulatory administration. SB 2902 would help victims of coerced debt and identity theft stop collection efforts by requiring proof such as a court order or FTC report; advocates said it would protect survivors while still preventing fraud. SB 512 would bar money transmission license holders from fining users for terms-of-service violations in a way that forfeits account funds, and supporters framed it as a protection against private financial penalties. SB 2145 would allow public improvement districts and tax increment finance districts to meet virtually with at least one member physically present, while SB 2268 would give the PUC flexibility to extend Texas Energy Fund loan deadlines in certain cases. SB 1495 would create an advisory board for electric vehicle supply equipment standards, SB 2154 would extend statewide regulation to delivery network companies, SB 2184 would lower the age for pyrotechnic operator and fireworks display licenses from 21 to 18, SB 438 would expand confidentiality protections for SOAH administrative law judges, SB 2211 would treat digital products and desalinated water as industrial products to support combined energy-water projects, and SB 647 would strengthen title-theft protections by improving notice and clerk authority to reject fraudulent filings. Most of these bills were left pending after testimony, and several drew support from industry, consumer, or advocacy witnesses along with some member concerns about electronic meetings, licensing, and data accuracy.

Transcript Highlights:

• The Chief Financial Officer is authorized to appoint review panel members to assist DFS in the grant
• include credit unions and financial institutions generally.
• include credit unions and financial institutions generally.
• included in the application to organize a new financial institution.
• We have Ash Mason, Office of Financial Regulation, waving in support.

Bills: S0198, S0570, S0772, S0808, S1038, S1040, S1286, S1440, S1504, S1668

Keywords: virtual currency, kiosks, money services business, regulation, financial services, consumer protection, cryptocurrency, registration, payment scams, task force, fraud prevention, property insurance, roofing requirements, inspector, insurance policies, homeowners insurance, roof age, residential structures, insurance renewal, investment

Summary: The Committee on Banking and Insurance met with a quorum present and took up a series of bills, beginning with SB 1286 by Senator Wright. That bill expands the law enforcement recruitment bonus program to include firefighters, creates a DFS grant review panel for fire-related grants, and establishes an institute for PTSD and first-responder behavioral health. Testimony from fire chiefs and others supported the measure, and the committee reported it favorably. The committee then considered several insurance and financial regulation bills. CS/SB 198 by Senator Rousan, as amended, regulates virtual currency kiosks with transaction limits, notice and receipt requirements, and OFR enforcement authority; witnesses described it as a needed anti-fraud measure, especially for seniors, and it was reported favorably. CS/SB 772 by Senator Burgess, as amended, allows limited licenses for portable electronics and eyewear insurance, and CS/SB 1504 by Senator Claudio, as amended, creates a pathway for high school students to qualify for insurance customer representative licensure; both were reported favorably. The committee also approved two cryptocurrency reserve bills by Senator Gruters: CS/SB 1038 creates the Florida Strategic Cryptocurrency Reserve framework, and CS/SB 1040 creates the related trust fund; both received technical amendments and favorable reports. CS/SB 1440 by Senator Martin, as amended, creates public records exemptions and cybersecurity reporting provisions for financial institutions and related entities, and it was reported favorably. Finally, SB 1668 by Senator Burton, which updates the NICA program’s funding and benefit structure, and CS/SB 570 by Senator Polsky, which creates a task force on payment scams, were both heard with supportive testimony and reported favorably. Senators later recorded additional affirmative votes on selected bills before the committee adjourned.

Transcript Highlights:

• I just think I need a little bit more information.
• Last year, I had a bill that was requested for veterans treatment courts.
• We have five prison units that are requesting this, but we have hit capacity.
• So once people... ...that are requesting this, but we have hit capacity.
• Kanata, if it's duplicative, then you should already have the information, right? Ms.

Bills: HB2056, HB2202, HB2207, HB2224, HB2303, HB2344, HB2532, HB2759, HB2798

Keywords: brackish water, groundwater, desalination, water resources, feasibility study, environmental impact, dementia care, telementoring, healthcare education, rural communities, grant funding, braille, disability access, education funding, state corrections, inclusion, produce incentive, agriculture, economic support, funding

Transcript Highlights:

• What information is on a driver's license?
• We'll store the same things, but in the event that someone sends us an IPRA request asking for that information
• So these personal information means information that identifies an individual, including an individual's
• So, Madam Chair, when you say requests, are those requests always granted?
• Okay, so Madam Chair and Senator, do they have to provide any financial information or proof that they

Bills: SB20, SB111, SB211, SB218, SB14

Keywords: prior authorization, pharmacy benefits manager, PBM, health insurer, prescription drugs, step therapy, formulary, auto-adjudication, electronic portal, appeals, medical necessity, serious mental illness, mental health, schizophrenia, bipolar disorder, major depression, substance use disorder, addiction treatment, cancer, autoimmune disorder

Transcript Highlights:

• So, if able to get that information.
• </c> line with other traditional financial line with other traditional financial institutions.<00:32:
• No other financial services businesses.
• As we know, financial institutions.
• I'd also like to add um financial scams.

Bills: HB2227, HB1775, HB1560, HB1642, HB1647, HB2003, HB1640, HB2198

Keywords: eviction, housing stability, tenant screening, court records, writ of possession, foreclosures, public sale, eligible bidders, housing, downpayment, judicial foreclosure, digital financial assets, consumer protection, financial kiosks, refunds, transaction security, HB1642, Hawaii, cryptocurrency ATM, crypto ATM

Summary: The committee on Consumer Protection and Commerce met on February 5, 2026, and heard testimony on several bills, beginning with HB 227 relating to eviction records. Supporters, including the Public First Law Center and the Office of Hawaiian Affairs, argued the bill would help people who prevail in eviction cases avoid long-term housing harm from online court records, while the Public First Law Center said keeping records off eCourt Kokua would not violate the First Amendment because the records would still be available in person. Members discussed access-to-justice concerns, and a witness said legal aid attorneys could still access the records through the attorney-only Jeff’s system and the court’s access-to-justice room. The chair also asked about precedent, and a witness cited a Hawaii Supreme Court case as supporting removal from the online database rather than sealing records entirely. The committee then took up HP 1775 relating to foreclosures, but the transcript only shows in-person opposition comments from the Hawaii State Bar Association Collection Law Section, the Hawaii Credit Union League, and the Hawaii Bankers Association. The credit union and banking groups said they had concerns about broader negative impacts on mortgage lending and other requirements, but no detailed discussion or action was captured before the committee moved on. The next measure, HB 1560 relating to consumer protection, drew support from the Office of Consumer Protection and cryptocurrency companies including Coinflip and America Digital, which said they already use wallet-pinning and other safeguards to prevent fraud. AARP Hawaii did not take a formal position but said the bill addressed a real problem, noting that Hawaii residents, especially in Kona, had lost more than $920,000 in 2024 to cryptocurrency ATM scams and arguing that stronger oversight was needed. The committee also heard HB 1642, which would ban cryptocurrency kiosks. The Office of Consumer Protection supported the ban as the best way to protect consumers from fraud, while Coinflip, Bitcoin Depot, and America Digital opposed it, arguing kiosks provide cash-based access to crypto, especially for unbanked or underbanked consumers, and that targeted regulation would be better than an outright ban. AARP Hawaii took no formal position but strongly emphasized the harm caused by scams, saying victims are often frightened into acting quickly and that kiosk transactions currently lack enough friction or intervention. Finally, HB 1647, also on consumer protection, would impose liability on host businesses that provide space for crypto kiosks. The Office of Consumer Protection warned small businesses might not understand the liability, while Coinflip, Bitcoin Depot, and America Digital opposed the bill, saying it would unfairly shift enforcement duties to host stores and could discourage businesses from hosting kiosks, effectively creating a de facto ban. No votes or final committee actions were taken in the portion of the meeting provided.

Transcript Highlights:

• </c> ensures the language includes informed ensures the language includes informed consent<00:04:35.160
• ><c> higher</c> consent informed consent is a higher consent informed consent is a higher standard<00
• </c> experiencing an influx of data requests experiencing an influx of data requests in<00:53:49.000>
• requests, hindering a district's ability to quickly fulfill timely requests for media and others that
• data that was requested.

Bills: HF1662, HF1224, HF1836, HF1367, HF1168, HF1999, HF1792, HF102, HF2127, HF104

Keywords: veterans, veterans affairs, State Soldiers Assistance Program, Veterans Stable Housing Initiative, MAXIS, human services data, data sharing, eligibility verification, informed consent, private data, benefits coordination, veteran housing, veteran assistance, Department of Human Services, Children Youth and Families, state benefits, federal benefits, privacy, public assistance, foreclosure

Transcript Highlights:

• Much of this information is difficult to see. You're recognized for a follow-up question.
• This is requested by March 1st of each year. Any further questions?
• My question is if the bill was requested by anyone and if so, this bill.
• I don't know if it was specifically requested.
• This is a request bill from the Police Pension Board.

Bills: HB1739, HB1784, HB1889, HB2116, HB2206, HB3625, HB2939, HB3028, HB3265, HB3313, HB3413, HB3414, HB3415, HB3416, HB3417, HB3418, HB3420, HB3588, HB3748, HB3721, HB3852, HB4132, HB4263, HB4303, HB4311, HB4428, HB4429, HB4434

Keywords: retirement, law enforcement, disability benefits, pension system, Oklahoma, education reform, local control, student outcomes, curriculum changes, school funding, public retirement systems, pension, retirement benefits, cost-of-living adjustment, COLA, inflation adjustment, CPI-U, Consumer Price Index, firefighters pension, police pension

Transcript Highlights:

• This is a law that was requested by the Uniform Law Commission, which seeks to streamline statutes across
• Financial returns, best interests of the citizens in the systems that's supposed to support.
• My question is: was the bill requested by anyone, and if so, who requested this bill?"
• I don't know if it was specifically requested.
• This is a request bill from the Police Pension Board.

Bills: HB1739, HB1784, HB1889, HB2116, HB2206, HB3625, HB2939, HB3028, HB3265, HB3313, HB3413, HB3414, HB3415, HB3416, HB3417, HB3418, HB3420, HB3588, HB3748, HB3721, HB3852, HB4132, HB4263, HB4303, HB4311, HB4428, HB4429, HB4434

Keywords: retirement, law enforcement, disability benefits, pension system, Oklahoma, education reform, local control, student outcomes, curriculum changes, school funding, public retirement systems, pension, retirement benefits, cost-of-living adjustment, COLA, inflation adjustment, CPI-U, Consumer Price Index, firefighters pension, police pension

Summary: The committee opened with prayer, laid over House Bill 1784 as dead, and then heard a long series of measures, many related to pensions, retirement systems, elections, and state procurement/reporting. Early bills included HB 3588 on debtor-creditor law updates, HB 3748 on county partnerships with four-year institutions, HB 4303 extending the municipal ordinance publication deadline from 15 to 30 days, HB 4311 increasing the treasurer’s share of the unclaimed property administration fee from 4% to 6%, and HB 3028 allowing CareerTech to charge processing fees. All of these advanced on due pass votes, with some opposition on HB 3588, HB 4311, and HB 3028. A major block of the meeting focused on retirement and pension policy. The committee advanced HB 4428 and HB 4429 on proxy advisor transparency and fiduciary voting standards for retirement systems, with the author arguing they would improve transparency and keep pension decisions focused on financial returns rather than ESG/DEI considerations. Other pension-related bills that passed included HB 4132 creating a cybersecurity safe harbor for local governments, HB 1889 fixing a COLA gap for certain retired police officers and firefighters, HB 3265 defining “mental health specialist” for disability applications, HB 1739 reinstating a half-pay provision in the state law enforcement retirement system, HB 3313 changing the Retirement Freedom Act by raising contribution and match rates and eliminating vesting, HB 2116 expanding eligibility for State Fire Marshal officers, HB 2206 allowing newly hired school resource officers to join OLEERS, HB 3625 expanding school district investment options, and HB 3721 creating a survivor-benefit election for children of certain public safety officers. Most of these passed with little or no debate, though HB 1739 drew questions about actuarial “safe harbor” language and pension funding. The latter part of the meeting centered on a package of government contracting and transparency bills from Representative Strom. HB 3413, HB 3414, HB 3415, HB 3416, HB 3417, HB 3418, and HB 3420 would require more detailed reporting of contracts, subcontractors, consulting services, and post-contract assessments; create public posting and reporting requirements through OMES and Central Purchasing; revise bidding rules for state, county, and municipal entities; require vendor ownership disclosures; allow live-streamed bid openings; and add misdemeanor penalties for violations of Central Purchasing rules. Strom said the package was intended to improve accountability, documentation, and protection of taxpayer dollars. The committee also passed HB 3852 clarifying poll worker list requirements for county election boards, HB 4434 requiring gubernatorial notice when out of state, and HB 2939 removing fax-machine references from statute. Most measures were adopted with policy recommendations and passed on strong votes, and the meeting ended with Chairman West thanking members for their work and adjourned the committee.

Transcript Highlights:

• , including medical information.
• such as their financial information, social security numbers, and others.
• That's the financial oversight. So we.
• Who would track that information?
• requests.

Bills: HB150, HB869, HB876, HB 1043, HB1494, HB1522, HB150

Keywords: cybersecurity, state command, information resources, data protection, incident response, information technology, classification officer, job descriptions, state positions, competency-based, information sharing, government efficiency, public sector, private sector, distributed ledger, title registry, real estate, property liens, pilot program, healthcare

Transcript Highlights:

• Those closest to newly created money, financial institutions, Wall Street, are the ones that benefit.
• The newly created money, financial institutions, Wall Street, are the ones that benefit.
• to 10% of state monies as bullion in the depository, and requires the Department of Insurance and Financial
• That means physical gold held in secure custody is one of the few financial assets with no counterparty
• Again, the Bank for International Settlements, which oversees global financial regulations, upgraded

Bills: HB2123, HB2140

Keywords: bullion, depository, legal tender, Arizona, finances, precious metals, financial transactions, investment, state treasurer, gold bullion, treasury management, financial regulations, 1182, all

Transcript Highlights:

• I'm the Financial Capability Manager for the City of St.
• We work with a financial company to ensure that all...
• are some of the financial qualifications that I talked about before.
• Like most state agencies, we have an operating increase request.
• There is a one-time cost associated with this request.

Bills: HF1646, HF2443

Keywords: medical debt, debt relief, healthcare financing, consumer protection, financial hardship, commerce, cannabis, insurance, housing, ombudsperson, affordability, property, task force, financial institutions

Transcript Highlights:

• House Bill 517 is carried over at the request of the sponsor.

Bills: HB517, SB110

Keywords: underground damage prevention, one-call notification system, utility locating, excavation safety, dig safe, call before you dig, 811, utility lines, underground utilities, pipeline safety, gas pipeline, electric utility, telecommunications, water utility, wastewater, cable television, locate request, premark, tolerance zone, positive response

Transcript Highlights:

• Well, the public should be privileged to the financial information and that's the only thing that will
• And your committee substitute will say only financial information be publicly available?
• All of the financial information is available to the public via the IRS, the 990s, HHSC public information
• Hatcher, that you brought up that public information request.
• However, the curriculum needs updating to include more information on certain financial skills.

Bills: HB 2510, HB 3589, HB 4611, HB 4655, HB 4665, HB 4666, HB 4670, HB 4700, HB 4730, HB 4798, HB 4838, HB 5136, HB 5243, HB 5302, HB 5539

Keywords: assisted living, healthcare, licensing, criminal offense, personal assistance, group home, regulation, health and safety, inspections, resident care, criminal background checks, adoption, parental rights, registry, vital statistics, disclosure, counseling, foster care, independent living, financial literacy

Transcript Highlights:

• Again, if they're unlicensed, if we can't gain entry and we have no information, we may not be able to
• They put him back to bed and did not inform me or get medical attention.
• And just to answer, I got some information from my staff in response to those questions about it.
• There's some more information, but that gives you an idea of the range of costs.
• Well, that was new information to me. I didn't know TCC had a proposal.

Bills: HB2510, HB3589, HB4611, HB4655, HB4665, HB4666, HB4670, HB4700, HB4730, HB4798, HB4838, HB5136, HB5243, HB5302, HB5539

Keywords: assisted living, healthcare, licensing, criminal offense, personal assistance, group home, regulation, health and safety, inspections, resident care, criminal background checks, adoption, parental rights, registry, vital statistics, disclosure, counseling, foster care, independent living, financial literacy

Transcript Highlights:

• Well, the public should be privileged to the financial information, and that's the only thing that will
• And your committee substitute will say only financial information be publicly available?
• All of the financial information is available to the public via the IRS, the 990s, HHSC, and public information
• Hatcher, that you brought up that public information request.
• However, the curriculum needs to include more information on certain financial skills.

Bills: HB2510, HB3589, HB4611, HB4655, HB4665, HB4666, HB4670, HB4700, HB4730, HB4798, HB4838, HB5136, HB5243, HB5302, HB5539

Keywords: assisted living, healthcare, licensing, criminal offense, personal assistance, group home, regulation, health and safety, inspections, resident care, criminal background checks, adoption, parental rights, registry, vital statistics, disclosure, counseling, foster care, independent living, financial literacy

Transcript Highlights:

• </c> I'm Casey Wedrich, the financial I'm Casey Wedrich, the financial capability<00:03:18.879><c> manager
• ><c> Empowerment</c> Paul's Office of Financial Empowerment Paul's Office of Financial Empowerment and
• We do we work with a financial company We do we work with a financial company to<00:20:16.720><c> ensure
• Uh it's a general fund increase request.
• I also do want to many of our requests.

Bills: HF1646, HF2443

Keywords: medical debt, debt relief, healthcare financing, consumer protection, financial hardship, commerce, cannabis, insurance, housing, ombudsperson, affordability, property, task force, financial institutions, 1183, house

Transcript Highlights:

• You're looking at credit card information, financial information that are protecting, and that actually
• the financial information.
• And then the other financial information, I do understand that, but I do think those are covered.
• We have also here in support, provide information if requested.
• Can present information if requested, Ms.

Bills: HB65, HB67, HB73, HB205, HB225, HB339, HB550

Keywords: sexual harassment, public employees, training requirements, mandatory education, elected officials, public records, personal information, protected individuals, ethics, transparency, public meetings, voting, electronic voting machine, government accountability, term limits, governor, Louisiana constitution, elections, gubernatorial, law enforcement

Transcript Highlights:

• </c> grants, gifts, transfers, requests, etc. grants, gifts, transfers, requests, etc. into<00:04:42.160
• </c> actually step in prepare the financials actually step in prepare the financials uh<00:21:09.600>
• On page three, requested by the division of banking uh requested by the division of banking uh as<00:
• </c> largely his requests. largely his requests.
• I think at the financial industry code.

Bills: SF0021, SF0022, SF0054, SF0055

Keywords: stable token, liquidity, trust account, Wyoming, fund distribution, financial regulation, state commission, decentralized, nonprofit association, merger, conversion, liability, membership, governance, indemnification, banking regulation, special purpose depository institution, conversion process, Wyoming state laws, financial services

Bills: SF0021, SF0022, SF0054, SF0055

Keywords: stable token, liquidity, trust account, Wyoming, fund distribution, financial regulation, state commission, decentralized, nonprofit association, merger, conversion, liability, membership, governance, indemnification, banking regulation, special purpose depository institution, conversion process, Wyoming state laws, financial services