Video & Transcript Research : 'payment processor'
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FL
Keywords:
special districts, funding, financial assistance, rural community, state agency, economic development, artificial intelligence, personal data protection, consumer rights, chatbot, deceptive practices, government contracts, public records, consumer protection, data privacy, investigations, proprietary information, chatbots, Florida statutes, nonprofit
Summary:
The Committee on Commerce and Tourism heard and advanced several bills focused on economic development, consumer protection, workforce issues, and technology. SB 1076 would raise Florida’s research and development tax credit cap from $9 million to $50 million beginning with the 2027 allocation, and it was reported favorably. SB 1266, as amended, creates a cybersecurity experiential internship and clearance-readiness program with Cyber Florida and was also reported favorably. SB 554, a Florida Bar-backed update to the not-for-profit corporations statute, was approved without opposition. SB 1004, aimed at protecting buyers of dogs and cats from deceptive sales practices and predatory financing at retail pet stores, received supportive testimony from animal welfare advocates and was reported favorably. SB 1074, which sets rounding rules for cash transactions if pennies are unavailable, also passed favorably.
The committee also considered SB 998, the Department of Commerce package, which combines updates to the Small Cities CDBG program, clarification of rural community eligibility, an exemption from a reverter clause for military-related land conveyances, and revisions to E-Verify enforcement. The E-Verify portion drew the most debate, with questions about employer cure periods, treatment of current investigations, and whether the bill creates a loophole for independent contractors. Senator Smith opposed the bill, arguing it creates unequal enforcement between employers and immigrant workers, while Senator Wright supported the military-related provisions. SB 998 was reported favorably on a divided vote.
SB 214, which expands the rural community definition to include special districts in rural counties, was reported favorably. The committee then took up SB 482, an artificial intelligence consumer-protection bill that creates an “AI bill of rights” covering companion chatbots, parental controls for minors, data privacy, de-identified data, unauthorized use of likeness, and enforcement by the Attorney General, with a limited private cause of action for minors. The bill drew extensive testimony both in support and in opposition, including concerns about privacy, age verification, and enforcement, but it was reported favorably. Finally, the committee approved SPB 7030, a public-records exemption tied to Department of Legal Affairs investigations under the AI bill, and adjourned after members requested to be recorded on certain votes.
MN
Minnesota 2025 1st Special Session
House Agriculture Finance and Policy Committee 4/9/25
Agriculture Finance and Policy
Transcript Highlights:
- He also supports increased dollars for wolf and elk depredation and crop damage payments, Mallee farm
- farmland down payment assistance program and<00:11:54.640>
for <00:11:54.880>increasing of comments on uh the farm down payment of comments on uh the farm down payment assistant<00:47:- program and wanted to share how payment program and wanted to share how as<00:15:21.680>
of <00- He said the need is there, and then offered a couple of comments on the farm down payment assistance
- program and wanted to share how payment program and wanted to share how as<00:15:21.680>
Bills:
HF2446
Keywords:
agriculture finance, broadband development, Department of Agriculture, Board of Animal Health, Agricultural Utilization Research Institute, Office of Broadband Development, food safety, food handler license, cottage food, home processed food, livestock dealer, meat packing company, milk marketer, milk marketing license, grain buyer, grain storage, beginning farmer, emerging farmer, farm down payment assistance, livestock investment grant
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 4/7/25
Agriculture Finance and Policy
Transcript Highlights:
- Line 224 is the farm down payment assistance grants program.
- B is for the cost-share payments for the cost of organic certification.
- B is for the cost-share payments for the cost of organic certification.
- B is for the cost-share payments for the cost of organic certification.
- Paragraph C is for the farm down payment assistance grants.
Bills:
HF2446
Keywords:
agriculture finance, broadband development, Department of Agriculture, Board of Animal Health, Agricultural Utilization Research Institute, Office of Broadband Development, food safety, food handler license, cottage food, home processed food, livestock dealer, meat packing company, milk marketer, milk marketing license, grain buyer, grain storage, beginning farmer, emerging farmer, farm down payment assistance, livestock investment grant
MN
Transcript Highlights:
- To receive those advanced payments, taxpayers will have to opt into advanced payments when they file
- they're going to begin offering before they're going to begin offering Advanced<00:03:57.920>
payments - of this Credit in 202 Advanced payments of this Credit in 202 and<00:04:00.079>
calendar <00:04 - <00:04:03.760>
to um to receive those Advanced payments to um to receive those Advanced payments - when they file into advanced payments when they file their<00:04:07.319>
return <00:04:07.519>
Keywords:
HF2254, Minnesota child credit, baby bonus, child tax credit, income tax, individual income tax, tax relief, newborn, birth credit, family tax credit, tax refund, advance payment, Department of Revenue, taxable year, parenting, families with children, child credit, state regulations, families, taxation
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 3/10/25
Agriculture Finance and Policy
Transcript Highlights:
- uh bof Fields infrastructure payments uh bof Fields infrastructure which<00:15:23.000>
we <00: - Clause C is for cost-share payments for the cost of organic certification.
- Within this appropriation there are specific carve-outs for incentive payments.
- Clause Q is for down payment assistance grants with the updated 2024 writer language.
- Thank you as well for the increased funding for wolf and elk depredation payments.
Bills:
HF1704
Keywords:
Minnesota agriculture budget, Department of Agriculture appropriation, Board of Animal Health, Agricultural Utilization Research Institute, Office of Broadband Development, farm bill, rural development, agricultural grants, soil health, livestock compensation, crop damage, meat inspection, poultry inspection, county agricultural inspectors, biofertilizer, nitrogen management, commercial nitrogen fertilizer, water quality, farm down payment assistance, beginning farmers
MN
Minnesota 2025 1st Special Session
Committee on Agriculture, Veterans, Broadband and Rural Development - 04/02/25
Agriculture, Veterans, Broadband, and Rural Development
Transcript Highlights:
- to producers when processors don't pay them.
- to producers when uh support uh payments to producers when uh processors<01:05:48.960>
don't < - So um it this processors don't pay them.
- Um, on the payment could be made.
- Um, this uh, sold to the same processor.
AL
Alabama 2026 1st Special Session
Alabama Senate Finance and Taxation General Fund Mar 18th, 2026
Finance and Taxation General Fund
Bills:
SB176, HB155, HB247, HB311, HB312, HB317, HB466, SB176, HB155, HB247, HB311, HB312, HB317, HB466
Keywords:
controlled substances, unlawful distribution, marijuana, violent offense, sentencing guidelines, criminal justice, state holidays, federal holidays, public holidays, legal holidays, office closures, state employees, personal leave, compensatory leave, bank closures, school closures, Mardi Gras, Mobile County, Baldwin County, Rosa Parks Day
VT
Transcript Highlights:
- Controllers and processors are the main types of entities regulated by this bill.
- Section 2415F sets forth the duties of processors and contracts between controllers and processors.
processors. - In essence, controllers and processors.
- 00:15:56.360>
the processors must adhere to the processors must adhere to the instructions<00:
Summary:
The House first took up House Bill 955, relating to next steps in transforming Vermont’s education system. The chamber suspended rules to consider the Senate proposal of amendment immediately, and the House Education Committee reported that while it appreciated the Senate’s work, differences remained on issues including the timing of class size minimums, possible tuition or fees under the foundation formula, school construction details, and merger committee groupings. The committee voted 11-0-0 to refuse concurrence and request a committee of conference.
After a brief correction on the committee straw poll, the House voted to refuse concurrence in the Senate amendment and appointed Representatives Conlin, Kornheiser, and Quimby as the House conferees. The House then suspended rules to message its action to the Senate forthwith.
The House next took up Senate Bill 71, the consumer data privacy and online surveillance bill. The Commerce and Economic Development Committee recommended amendment, and the floor report described the bill as creating a comprehensive Vermont data privacy law effective January 1, 2028. The report outlined consumer rights to know, access, correct, delete, and port personal data, and to opt out of targeted advertising and sale of data; duties for controllers and processors; limits on sensitive data use; special protections for minors and health-related geofencing; Attorney General enforcement; and an 18-month cure period. The committee heard extensive testimony from a broad range of advocates, industry representatives, privacy experts, and other stakeholders, and it reported the bill out favorably with amendment on a vote of 11-0-0 before the House recessed for dinner.
AL
Alabama 2025 Regular Session
Alabama House Ways and Means Education Committee Mar 19th, 2025
Ways and Means Education
Transcript Highlights:
- processor and we wanted to make payment processor and we wanted to make payment processor and we wanted
- processor who it wasn't in that payment processor who it wasn't in that payment processor definition
- Um, individuals who use a payment processor like PayPal or payment processor like PayPal or payment processor
- union payment union payment processor, anything that facilitates processor, anything that facilitates
- or to be some healthc care payments or to be some healthc care payments or payments to doctors or for
Keywords:
parental leave, state employees, local education agencies, adoption, work-life balance, family support, portable benefits, portable benefit account, independent contractor, gig worker, 1099 worker, freelancer, app-based worker, rideshare, delivery driver, worker benefits, health insurance, retirement benefits, life insurance, income replacement insurance
MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses Jun 21st, 2026 at 12:00 pm
Transcript Highlights:
- Credit card fees, mobile payments, buy now, pay later financing, and other aspects of the payments industry
- And second, the limits on the global payment electronic payment system.
- And then, of course, the networks and payment processors might add additional costs.
- It doesn't impact the electronic payment system at all. No impact on the electronic payment system.
- The Electronic Payment Coalition, does that include members that are a processor, like your Toast and
Summary:
The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing focused on interchange fees, sales tax and tip processing, chargebacks, fraud, surcharging, and the broader future of payment systems. Chair Paul Feeney and co-chair Rep. Jamie Murphy opened by explaining the commission’s charge and inviting testimony from small businesses, industry groups, banks, and policy experts. Representative Sean Garballey testified first, arguing that Massachusetts tourism depends on universal card acceptance and stable interchange, and urging the commission not to disrupt the current system ahead of major events expected to bring millions of visitors to the Commonwealth.
A large portion of the hearing featured independent restaurant owners and advocates describing thin margins and the burden of paying percentage-based processing fees on sales tax and tips that are not business revenue. Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others said restaurants often operate on very small profits and that processing fees on taxes and gratuities can amount to tens or hundreds of thousands of dollars annually. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, and limiting repeat abuse. Commission members pressed witnesses on whether tax and tip amounts could be separated at the point of sale, and several witnesses said current consumer card systems do not transmit that level of detail.
Testimony from credit union, banking, and payments representatives largely opposed state-level changes that would carve out taxes or tips from interchange, warning of compliance burdens, higher costs, reduced rewards, and possible effects on fraud protection and access to credit. Alex Verine of America’s Credit Unions and Deb Peters and Keely McEwen of the Electronic Payments Coalition said the payment system is complex, that interchange funds fraud prevention and network infrastructure, and that new state mandates could create operational and legal uncertainty. Dan Swanson argued states have authority to act and pointed to Illinois litigation and federal court rulings, while Julian Morris and Brad Popolado emphasized the benefits of card acceptance, the decline of cash, and the need to consider other payment methods and check fraud as well. Several witnesses discussed international payment systems, instant payments, and QR standards as possible future directions.
The chairs and members engaged in extended back-and-forth with witnesses about whether Massachusetts could exempt sales tax from swipe fees, whether surcharging should be revisited, and whether vendor compensation or other targeted relief might be more workable than broad changes to interchange. No votes were taken. At the close of the hearing, the chairs said the commission would hold one additional public hearing date to be determined, after which members would begin developing next steps and a report.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Consumer Protection and Professional Licensure Jun 21st, 2026 at 01:00 pm
Joint Committee on Consumer Protection and Professional Licensure
Transcript Highlights:
- or a City of Boston tax payment. ...a fee at the Registry of Motor Vehicles, or a state tax payment,
- or a City of Boston tax payment.
- global payment system work.
- ETA represents processors, networks, and technology innovators who help power the electronic payments
- We work a lot with small businesses, especially our payment processors, and we know they rely on secure
Summary:
The committee opened a hearing of the Joint Committee on Consumer Protection and Professional Licensure and reviewed a broad agenda including credit card fees, event ticketing, music therapy licensure, senior psychologist licensure, CPA pathways, school mental health licensure, and a bill regulating alternative healing therapies. The chairs explained hearing logistics, including three-minute testimony limits and submission of written testimony, and noted that more than 70 people had signed up to testify. Legislators and advocates were heard out of order throughout the day.
A major portion of the hearing focused on credit card surcharge and interchange legislation. Restaurant owners, the Massachusetts Restaurant Association, NFIB, and other small-business witnesses supported bills allowing merchants to add convenience fees and, in one proposal, preventing card companies from charging fees on tax and tip portions of transactions. They argued that swipe fees are a major and growing cost, especially for restaurants, and that Massachusetts is one of only two states that bars surcharges. Opponents from the Cooperative Credit Union Association, the Electronic Payment Coalition, and the Electronic Transactions Association warned that the proposals would create compliance burdens, fragment the payment system, raise legal preemption issues, and disrupt a system they described as efficient and secure.
The committee also heard competing testimony on ticket transferability and ticket resale. Supporters, including the National Consumers League and Sports Fans Coalition, said bills on ticket transferability would protect consumers who cannot attend events and would increase competition and savings in the secondary market. Opponents, including United Musicians and Allied Workers and theater owners, argued that mandatory transferability would weaken artists’ and venues’ ability to prevent scalping and predatory resale, and that some ticket sellers should be exempt from the broader ticketing regulations. Separate testimony supported music therapy licensure, senior psychologist licensure, and new CPA education pathways, with witnesses saying these measures would expand access to care and strengthen the workforce while maintaining professional standards. The hearing also drew extensive opposition to S.261 on alternative healing therapies, with practitioners and clients arguing it would overregulate spiritual and holistic practices and was not an effective response to human trafficking concerns.
LA
Transcript Highlights:
- maximum medical improvement, to provide for the misrepresentation of workers' compensation benefits or payments
- Make a decision to stop payment and the court says you were wrong, you owe the benefit. Correct.
- And there's no penalty for delaying payment and care for as long as it takes to get to the court.
- And it looks like one person is saying it's not about the payments being made.
- We know if we do that, the physicians can have a quicker turnaround on their payment and whatnot.
Keywords:
employment discrimination, criminal history, rehabilitation, hiring process, human rights, gender identity, sexual orientation, workplace equality, labor rights, domestic abuse, unpaid leave, employee rights, workplace protection, mental health, survivor support, workers' compensation, employment benefits, claims process, fraud prevention, legal petition
AL
Alabama 2026 1st Special Session
Alabama Senate Transportation and Energy Committee Mar 11th, 2026
Transportation and Energy
Keywords:
SB341, Alabama, veteran license plate, veteran tag, distinctive license tag, specialty plate, radiation exposure, atomic bomb testing, ionizing radiation, World War II veterans, Vietnam veterans, Korean War veterans, Cold War veterans, Desert Storm, Desert Shield, Operation Iraqi Freedom, Operation Enduring Freedom, Operation Inherent Resolve, Department of Veterans Affairs, probate judge
MN
Minnesota 2025-2026 Regular Session
House State Government Finance and Policy Committee 3/3/26
State Government Finance and Policy
Transcript Highlights:
- That was the impact of a payment delay, cost avoidance, as well as additional denied claims.
- <00:32:04.880>
delay, <00:32:05.519>cost the impact of a payment delay, cost the impact - of a payment delay, cost avoidance,<00:32:06.399>
as <00:32:06.559>well <00:32:06.720>< - So, we appreciate the provision in the bill to repeal the sunset on the new payment withholding authority
- repeal the sunset on the new payment repeal the sunset on the new payment withholding<01:26:06.400
Keywords:
Safe at Home, address confidentiality, domestic violence, sexual assault, stalking, harassment, victim privacy, survivor protection, confidential address, protected address, secret address, identity protection, residential confidentiality, program participant, nondiscrimination, court disclosure, protective order, service of process, driver's license, state ID
Summary:
The committee first approved minutes from February 19 and February 26, while skipping the February 24 minutes because of a drafting error that would be corrected later. It then took up House File 3676, a Safe at Home program bill described by Rep. Nash as arising from a constituent’s dangerous identity exposure and intended to tighten protections for participants, including allowing emancipated minors to enroll. Testimony from the Secretary of State’s office explained that the bill would clarify who may apply for a minor, require proof of guardianship, strengthen court findings before a participant’s physical address can be disclosed, increase penalties for harmful disclosure, prohibit discrimination based on participation, require state agencies to designate a Safe at Home contact person, allow use of the Safe at Home card as proof of residence for certain ID purposes, and require judge training. Members raised concerns about federal compatibility, constitutionality of court-related provisions, and the need for a fiscal note on the felony penalty. Several sections were noted as being removed or modified in a later engrossment, and the committee voted to re-refer HF 3676 to the Transportation Finance and Policy Committee.
The committee then heard House File 3683, which would direct the state budget forecast to include the estimated cost of fraud. Rep. Nash argued that fraud is a significant but unquantified drain on state resources and said the bill would adapt existing forecast language used for inflation to track fraud costs. Minnesota Management and Budget Deputy Commissioner Anna Mingi testified that fraud is unacceptable and that the agency works to prevent and detect it, but said the twice-yearly forecast is not the right tool for this kind of retrospective analysis. She explained that if fraud is identified, the forecast would reflect reduced spending through program integrity actions rather than a separate fraud-cost line item. The bill was moved and referred to the general register after a roll call was requested.
OK
Transcript Highlights:
- thought through, let's say 20% of the landowners are like the fee and they want the they like the payment
- wants a, for lack of a better term, mailbox money every year, if they want to take it all upfront, 11 payment
Keywords:
environmental permitting, Oklahoma, Department of Environmental Quality, public participation, regulatory framework, administered applications, energy, wind energy, financial assurance, property restoration, environmental regulation, mining, blasting, residential protection, buffer zone, Department of Mines, public utilities, electric transmission lines, landowner rights, payment regulations
MN
Minnesota 2025-2026 Regular Session
House Human Services Finance and Policy Committee 3/20/25
Human Services Finance and Policy
Transcript Highlights:
- <00:53:29.680>
We <00:53:29.920>also <00:53:30.160>can't receive payments. - We also can't receive payments.
- Their end as well that they couldn't, in turn, ask for that payment.
- payment for that. Any discussions? payment for that. Any discussions?
- >
for <01:29:51.199>family A payment rate methodology for family A payment rate methodology
MN
Minnesota 2025 1st Special Session
House Agriculture Finance and Policy Committee 3/12/25
Agriculture Finance and Policy
Transcript Highlights:
- It allows the MDA to accept a payment for a food certificate at the time of application.
- allows the MDA to of Agriculture it allows the MDA to accept<00:01:08.520>
a <00:01:09.040>payment - for<00:01:09.840>
a <00:01:10.000>food <00:01:10.439>certificate accept a payment - for a food certificate accept a payment for a food certificate at<00:01:11.560>
the <00:01:11.720
Keywords:
Minnesota agriculture budget, Department of Agriculture appropriation, Board of Animal Health, Agricultural Utilization Research Institute, Office of Broadband Development, farm bill, rural development, agricultural grants, soil health, livestock compensation, crop damage, meat inspection, poultry inspection, county agricultural inspectors, biofertilizer, nitrogen management, commercial nitrogen fertilizer, water quality, farm down payment assistance, beginning farmers
MN
Minnesota 2025 1st Special Session
House Judiciary Finance and Civil Law Committee 2/27/25
Judiciary Finance and Civil Law
Keywords:
pregnancy support, women's health, maternity homes, nonprofit organizations, grant funding, abortion, family services, Office of Inspector General, inspector general, legislative audit, fraud prevention, waste and abuse, public funds, grant oversight, state grants, grant management, whistleblower protection, retaliation, subpoena power, data practices
TX
Transcript Highlights:
- Currently, electronic property tax payments aren't... Guarantees statewide.
- Some tax offices offer them while others don't, and they accept varying methods of payment.
- Electronic payments are already standard for state and federal taxes.
- Senate Bill 1531 requires all tax collectors to accept electronic payments.
- The bill clarifies that a collector shall accept all forms of electronic payment listed in the bill,
Bills:
SB467, SB325, SB867, SB994, SB1052, SB1237, SB1449, SB1531, SB2063, SB2172, SB2173, SB2520, SB2529, SB2538, SB2541, SJR46, SJR84
Keywords:
SB 467, Texas property tax, ad valorem tax, homestead exemption, residence homestead, fire damage, house fire, destroyed home, temporary tax relief, appraisal district, chief appraiser, local taxing unit, tax rollback, tax refund, Tax Code Chapter 11, prorated exemption, homestead improvement, disaster relief, property tax exemption, residential property
CA
California 2025-2026 Regular Session
Assembly Banking and Finance Committee Apr 21st, 2025
Transcript Highlights:
- I'm an attorney, and I worked on payments policy for about 18 years for U.S.
- You'll find merchant processors saying any merchant can do it now.
- You'll find merchant processors saying any merchant can do it now.
- Processors have this. Visa and MasterCard see it.
- It is not a part of the payment processing system at all.
Summary:
The Assembly Banking and Finance Committee heard several bills, beginning with AB 407, which would expand the California Pollution Control Financing Authority. The author said the measure would increase flexibility and access to resources, and the bill was approved 7-0 and sent to the Committee on Local Government. The committee also adopted the consent calendar, which included AB 76, by a 7-0 vote.
A lengthy portion of the meeting focused on AB 1065, which would prohibit swipe fees on the sales tax portion of credit card transactions. Supporters, including small business owners, restaurant and grocery representatives, and a payments-policy expert, argued the bill would reduce costs for merchants and consumers and rein in dominant card networks. Opponents, including banks, credit unions, and payment industry groups, argued the bill is likely preempted by federal law, would be difficult to implement, and could disproportionately affect community banks and credit unions. After extensive questioning about preemption, fraud, implementation, and consumer impacts, the committee rejected the bill on a 6-0 vote, but then granted reconsideration by a 7-1 vote.
The committee then heard AB 1365, which would create the Cal Account Program, a zero-fee, zero-penalty state banking account for unbanked and underbanked Californians. Supporters said the program would help low-income households, survivors of abuse, and others facing barriers to traditional banking, while opponents from community banks and credit unions argued existing low-cost accounts and the Bank On program already address the need and raised concerns about cost, feasibility, and duplication. The bill advanced on a 6-0 vote and later received enough votes on the reopened roll to move forward to the Committee on Labor and Employment.
The committee also approved AB 1052, which would create a legal framework for digital assets and address unclaimed digital property and restrictions on public officials issuing or promoting digital assets, and AB 1180, which would create a pilot program for paying state fees with digital financial assets and require a report on broader adoption. Both bills passed with broad support after brief testimony and discussion. Final roll calls later confirmed AB 1052 and AB 1180, along with AB 407 and AB 1365, were moved out of committee.