Transcript Highlights:

• our operators clarifying the third-party audit report requirements, including the required CPA attestations

Keywords: 1182, all

Summary: The House Commerce Committee of Reference heard sunset reviews and a performance audit presentation for the Arizona Department of Gaming, the Racing Commission, the Boxing and MMA Commission, and later the Arizona Barbering and Cosmetology Board. The Auditor General reported that the Department of Gaming and the commissions generally met some statutory duties, but identified several problems: the department did not consistently obtain and review independent audits for event wagering and fantasy sports operators; the department and commissions had gaps in conflict-of-interest disclosures; the department and Boxing and MMA Commission lacked comprehensive complaint-handling processes; the department was late distributing some compact trust fund payments; and there were additional issues involving IT security, horse-racing license checks, fee reviews, public records practices, and licensing compliance. The Auditor General said the department agreed to implement all 36 recommendations, the Racing Commission agreed to six recommendations, and the Boxing and MMA Commission agreed to 13 recommendations. The department director said many fixes were already underway, including updated guidance, complaint tracking improvements, and a historical look-back on operator reporting, and she also discussed efforts to combat illegal gambling and educate minors and families about gambling risks. Committee members questioned the department about third-party audits, penalties for underpayments, public records handling, conflict-of-interest screening, and the department’s position on prediction markets and suitability standards for licensees. The director said the department would review past reports, could assess fines if violations were found, and would generally wait for final adjudication or final action in other jurisdictions before taking Arizona licensing action. After discussion, the committee voted to recommend the Department of Gaming be continued for two years until July 1, 2028, the Racing Commission for six years until July 1, 2032, and the Boxing and MMA Commission for six years until July 1, 2032. The Department of Gaming motion passed 7-4, the Racing Commission motion passed 10-1, and the Boxing and MMA Commission motion passed unanimously. The committee then heard the Auditor General’s report on the Arizona Barbering and Cosmetology Board. The audit found the board timely processed many licenses and complaints and had adopted curriculum rules, but it inconsistently applied its disciplinary guidelines, sometimes issuing different sanctions for similar violations without documenting the reasons for deviation. The report also found problems with reciprocity education requirements, application review controls, inspections, and compliance with open meeting, public records, and conflict-of-interest requirements, and it suggested possible statutory changes on aesthetics scope of practice, cease-and-desist authority, and training standards for I-LEST technicians. The board agreed with the findings and said it had already updated disciplinary parameters and documentation policies, with more recommendations in progress; committee members asked about discretion in discipline, audit funding, and service efficiency, and the board highlighted its licensing volume, call response, inspections, and complaint handling performance.

Transcript Highlights:

• They do not attest to its effectiveness for anything else.

Bills: HB25, HB48, HB149, HB254, HB26, HB192, HCR3, HCR4, HCR5, HCR6, HCR8, HCR14, HCR16, HR1, HR2, HR3, HR4, HR6, HR7, HR8, HR9, HR12, HR11, HR13, HR14, HR15, HR16, HR20, HR22, HR23, HR24, HR25, HR26, HR27, HR28, HR29, HR30, HR31, HR32, HR33, HR45, HR48, HR49, HR51, HR52, HR55, HR56, HR57, HR59, HR60, HR61, HR62, HR63, HR64, HR65, HR66, HR70, HR71, HR72, HR74, HCR2, HCR7, HR10, HR21, HR35, HR36, HR37, HR38, HR39, HR40, HR42, HR43, HR44, HR46, HR47, HR50, HR53, HR54, HR67, HR69, HR75, HCR 5, HCR 6, HCR 8, HCR 14, HCR 16, HR 1, HR 3, HR 4, HR 6, HR 7, HR 8, HR 9, HR 12, HR 11, HR 13, HR 14, HR 15, HR 16, HR 20, HR 22, HR 23, HR 24, HR 25, HR 26, HR 27, HR 28, HR 29, HR 30, HR 31, HR 32, HR 33, HR 45, HR 48, HR 49, HR 51, HR 52, HR 55, HR 56, HR 57, HR 59, HR 60, HR 61, HR 62, HR 63, HR 64, HR 65, HR 66, HR 70, HR 71, HR 72, HR 74, HCR 7, HR 10, HR 21, HR 35, HR 36, HR 37, HR 38, HR 39, HR 40, HR 42, HR 43, HR 44, HR 46, HR 47, HR 50, HR 53, HR 54, HR 67, HR 69, HB 25, HB 48, HB 149, HB 254, HB 26, HB 192

Keywords: ivermectin, pharmacist authority, prescription-free, healthcare regulation, patient access, HB 48, Texas alert notification systems, emergency alerts, public warning systems, alert fatigue, notification fatigue, Texas Division of Emergency Management, Department of Public Safety, DPS alerts, emergency management, State of Texas Emergency Assistance Registry, STEAR, disaster notifications, weather alerts, Amber Alert

Transcript Highlights:

• As we can attest, the state of New Mexico, via the Executive and Legislative Branches of government are

Transcript Highlights:

• But it also means, and as a former faculty member I can attest to this, and Dr.

Summary: The committee heard several higher education bills. It first approved the consent calendar, which included SB 67 and SB 619. The main discussion centered on SB 437, which would direct the CSU system to develop a fair, evidence-based process for verifying whether someone is a descendant of a person enslaved in the United States, as part of the state’s reparations work. Supporters said the bill fills a gap left by the Reparations Task Force and would create a transparent, credible lineage-verification process; opponents argued genealogy methods already exist, the bill would waste money and delay action, and some raised constitutional concerns. The committee took a vote on SB 437, but the roll was left open after the initial tally showed three ayes and three noes. The committee then heard SB 790, which would allow California to join the interstate reciprocity agreement for online postsecondary education. The author and supporters said the bill would improve consumer protections for California students taking out-of-state online courses and help California institutions compete more effectively by reducing the burden of seeking separate state approvals. Opponents, including University of Phoenix and other groups, argued the bill conflicted with the existing reciprocity framework, could exclude some institutions, and might not actually secure California’s entry into the agreement. The committee voted 3-1 to pass SB 790 as amended to the Business and Professions Committee, with the roll left open. The committee also heard SB 391, which would authorize the Community College Chancellor’s Office to charge fees for research partners seeking access to data. Supporters said the office is absorbing significant unfunded workload from data requests and that fees would help recover costs; opponents, including the California Teachers Association community college association, warned the fees could create barriers for faculty and smaller researchers. Members discussed possible exemptions and implementation details. The committee voted 5-1 to pass SB 391 as amended to the Appropriations Committee, with the roll left open. Finally, the committee heard SB 685, a pilot program to provide cost-of-attendance assistance at four CSU campuses for students who experienced homelessness in high school. Supporters said it would help students cover housing, food, and transportation costs and reduce dropout risk; members asked about eligibility and implementation, and the author explained the bill would use McKinney-Vento homelessness designations and target students at risk of “summer melt” and college homelessness.

Transcript Highlights:

• these sections, language is contained that requires digital asset managers to ensure that their attestation

Bills: HB111

Summary: The committee heard a long series of House bills, with most measures laid out by Senate sponsors and then left pending after brief public testimony. Early bills focused on construction and licensing issues, including HB 305 on prompt payment for public construction audits, HB 5093 on restoring public access to notary contact information, HB 2037 on updating landlord-tenant repair and security deposit rules, HB 4214 on a centralized public information request contact database, and HB 5435 exempting higher education institutions from a 90-day notice requirement for certain public-private partnership projects. Testimony was generally supportive on these bills, and no votes were taken; each was left pending. The committee also considered several transparency and regulatory bills. HB 111 would expand the Public Information Act to certain nonprofit state associations and narrow some attorney-client and working-paper exceptions, with supporters arguing it would improve oversight of public funds and critics questioning the scope and thresholds. HB 5129 would protect occupational license holders’ personal identifying information from disclosure without consent, HB 4350 would allow peace officers to redact personal information from online real property records, HB 4748 would authorize multiple-award state purchasing contracts, and HB 4765 would clean up code enforcement officer licensing rules. HB 4134 would allow motor vehicle creditors to charge limited fees for electronic payment options while requiring a free alternative, and HB 1043 would direct a study of blockchain-based property title records; both drew testimony, with some concern about the practical effects and vendor implications of the blockchain study. Several bills addressed insurance, workforce, and digital-asset regulation. HB 3520 would reduce the insurance coverage required for transportation network companies during the period when a driver is en route to pick up a passenger, drawing support from Texans for Lawsuit Reform and opposition from trial lawyers who argued the higher coverage better protects the public. HB 3320 would create a self-insurance pool for religious institutions, with TDI explaining it would still be regulated but operate under a special statutory framework. HB 4233 would modernize rules for digital asset service providers by removing certain auditor-access requirements and updating reporting and licensing provisions. HB 3923 would reduce bachelor’s-degree requirements for some state jobs, though Every Texan argued low pay, not degree requirements, is the main driver of turnover. HB 4518 would create a legal structure for decentralized unincorporated nonprofit associations tied to blockchain governance; business law experts opposed it as unnecessary and potentially risky, while crypto advocates supported it. Finally, HB 1803 would join an interstate compact for dentists and dental hygienists, with supporters citing workforce shortages and opponents saying Texas already licenses quickly and that the compact could weaken state oversight. Throughout the hearing, the committee repeatedly closed testimony and left bills pending, and a quorum was eventually established before later items were heard.

Transcript Highlights:

• I think I have several other colleagues here that can attest to the same issue.

Transcript Highlights:

• I have firsthand experience developing housing here in California, and I'm here to attest that the systems

Summary: The joint hearing focused on the Governor’s 2025 reorganization plan to split the Business, Consumer Services and Housing Agency into two new agencies: a Business and Consumer Services Agency and a California Housing and Homelessness Agency. Administration officials said the change would give each side more focused leadership, improve consumer protection and regulatory oversight, and better align housing and homelessness policy with the state’s broader housing goals. Leaders from the Department of Consumer Affairs, Cannabis Control, Alcoholic Beverage Control, and Financial Protection and Innovation all voiced support for the business-side reorganization, while housing officials emphasized that the new housing agency would help streamline funding, compliance, and coordination across programs. Members raised concerns about timing, budget impacts, office space, and whether the split would actually reduce bureaucracy. The administration said the plan would be included in the May Revision, was intended to be cost-neutral, and would not require fee increases for licensees or additional office space. On the housing side, officials said the new Housing Development and Finance Committee would work toward a single application and more coordinated award process for affordable housing funding, while preserving CalHFA’s statutory and financial independence. They also said the reorganization would improve compliance monitoring, data collection, and coordination with local governments, including Los Angeles homelessness programs. Public testimony was largely supportive. Industry groups representing beverage distributors, craft brewers, wine, mortgage lenders, and housing organizations backed the business-side split, and housing advocates such as Housing California, the California Housing Partnership, and the California Housing Consortium supported the housing agency concept and the proposed one-stop-shop approach. Several witnesses urged that tax credits, bonds, and other funding sources be better coordinated, and some said the plan should be paired with additional state investment and implementation resources. No formal vote was taken; the hearing was informational.

Transcript Highlights:

• I'm attesting. It's been fixed over and over and over and over.

Bills: SB552, SB1099, SB1124, SB1208, SB1372, SB1506, SB1667, SB1804, SB1806, SB1870, SB1936, SB1937, SB2180, SB2405, SB2569, SB2570, SB1646

Keywords: community supervision, criminal justice, illegal alien, deferred adjudication, Texas Code of Criminal Procedure, SB 1099, undocumented immigrant, unauthorized immigrant, immigration status, felony sentencing enhancement, criminal penalty increase, Texas Penal Code, Code of Criminal Procedure, affirmative finding, judgment finding, deportation, public safety, immigration enforcement, sentencing reform, felony offense

Transcript Highlights:

• You can probably attest. Okay. Maybe bar your phone technology acknowledging the here here.

Keywords: 999, senate, all

Transcript Highlights:

• This comparable rate must also be documented and attested to by the savings institution to the Department

Summary: The Judiciary Committee met with a quorum present and considered several bills. SB 106 on exploitation of vulnerable adults would allow service of process on scammers through the same nontraditional communication methods they use; it passed 8-0. CS/SB 280 on candidate qualification would create an enforceable party-affiliation requirement and a private right of action to disqualify noncompliant candidates; it passed unanimously. CS/SB 948 on flood disclosures was amended to extend disclosure requirements to residential leases, condo developer leases, and mobile homes, with tenant remedies if disclosures are not provided and flooding causes major losses; it passed 8-0. The committee also advanced CS/SB 498 on IOTA interest rates after a lengthy debate over legal aid funding and bank regulation. Supporters argued the bill would restore sustainability and fairness to the program by setting alternative interest-rate benchmarks, while opponents said it would cut funding for civil legal aid and that banks participate voluntarily. After testimony from legal aid leaders and bankers, the bill passed 7-2. SB 774, requiring clerks to electronically transmit certain mental health, substance abuse, and risk protection orders to sheriffs within six hours, was presented in response to a fatal Volusia County incident and passed 11-0. CS/SB 752 on defamation and online publication was amended to require removal from a website rather than the internet, then passed 8-2 after testimony from the media, a private attorney, and supporters who said it would help people harmed by false online reports. The committee also heard SB 832 on former phosphate mining lands, which would create a narrow defense against strict liability claims if notice and gamma radiation survey requirements are met. The bill was amended to clarify notice provisions and received support from industry and technical witnesses describing radiation surveys and reclamation practices. The transcript cuts off before the final vote on SB 832, so no committee action on that bill is shown in the excerpt.

Transcript Highlights:

• The demand is there, and higher education can transform families, as I think several of us here can attest

Keywords: 988, house, all

Transcript Highlights:

• Now, I, as a first-generation Mexican American, can personally attest to the fact that it is difficult

Bills: SB1, SB 1

Keywords: appropriations, budget, state funding, education, healthcare, infrastructure, campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, 1185, senate, all

Transcript Highlights:

• Some of the ones are technology positions, and I think a lot of the folks here will attest it takes a

Summary: The subcommittee met to review agency vacancy reports and agency-requested budget reductions, with Chair Lopez framing the discussion around stewardship of taxpayer dollars, agency efficiency, and whether long-vacant positions should be cut or repurposed. Members were given vacancy summaries and asked to focus on how agencies are functioning with current staffing, which positions are mission critical, and whether some vacancies reflect market pay issues, re-engineering of work, or true excess capacity. The chair also noted that agency heads had been asked to provide follow-up information on current openings, average vacancy duration, mission-critical roles, and reasons for vacancies. The Department of Revenue was the first major agency reviewed because it had the largest number of vacancies. Its leadership said vacancies had improved from pandemic-era highs due to market pay adjustments, but that some areas—especially general tax and audit—still had long-term openings. The department explained that some positions are intentionally frozen while work is restructured, that it hires above minimum salary in some cases to stay competitive, and that it is using automation and process changes to reduce backlogs. Members raised concerns about vacancies outside Leon County, out-of-state auditor positions, salary compression, and whether the department should provide a list of frozen positions and the salaries actually needed to recruit. The Department of Financial Services said its long vacancies were concentrated in risk management, law enforcement, and the general counsel’s office, where salaries and competition from private employers and other agencies make hiring difficult. DFS said it was using outside vendors in some areas, had reduced vacancies in its general counsel office significantly, and was willing to identify positions that could be cut, including some from treasury and OAT. The Department of Business and Professional Regulation reported progress in lowering vacancies through statewide recruiting, centralized legal hiring, automation in service operations, and leadership changes in alcoholic beverages and tobacco; it said one recommended cut could be achieved by combining two half-time positions. The Florida Lottery reported a low vacancy rate, said all positions were critical, and explained its longer onboarding time due to extensive background checks; members discussed sales reps, incentives, and the agency’s field-office structure. The Office of Financial Regulation said many of its vacancies were already in the hiring pipeline, with recent vacancies tied to promotions, a death, and internal moves, and noted that it often serves as a training ground for federal agencies. The Office of Insurance Regulation, which had a high vacancy rate concentrated in Leon County, said it had been reducing vacancies from a much higher level and was still working through hiring and administrative constraints.

Transcript Highlights:

• And having served with you for one term, I can attest that you are kind of boring.

Summary: The Health Care Budget Subcommittee met to organize the new term, take roll, and hear introductory presentations from the six agencies under its jurisdiction: the Agency for Health Care Administration, Agency for Persons with Disabilities, Department of Children and Families, Department of Elder Affairs, Department of Health, and Department of Veterans’ Affairs. The chair outlined the committee process, including assigning members to review agencies and make budget recommendations. Each agency head gave a high-level overview of their budget, staffing, major programs, and priorities, with recurring themes including Medicaid, long-term care, disability services, child welfare, mental health, aging services, public health, and veterans’ health care. Several agency leaders highlighted recent initiatives and funding priorities. AHCA emphasized Medicaid managed care, provider regulation, Hope Florida, hospital-at-home, and cancer-related efforts; APD discussed iBudget services, Hope Florida, a managed-care pilot, online applications, and forensic care costs; DCF focused on child protection, foster care, adult protective services, food/cash/medical assistance, mental health, and opioid treatment; Elder Affairs highlighted Alzheimer’s services, community-based senior care, guardianship, ombudsman services, and disaster outreach; DOH covered cancer innovation, maternal telehealth, cybersecurity, HIV/hepatitis/syphilis screening, and school nursing; and Veterans Affairs described benefits and health care access for veterans, long-term care, and federal reimbursement. Several speakers also raised concerns about rising costs, provider rates, disaster response, and access to services. The committee heard two public comments from disability advocates about Medicaid redeterminations affecting iBudget waiver recipients and provider payment delays. In response, AHCA and APD said they were coordinating on data sharing, early outreach, escalation processes, and efforts to reduce disenrollments and make recertification smoother. Members then asked questions about provider rates, opioid settlement spending, managed care quality measures, pediatric rare disease grants, group home transparency, senior outreach, ABA services moving into managed care, annual Medicaid recertification, veterans’ service utilization, waiting lists for elder services, and prevention spending. No formal votes were taken during the meeting.

Transcript Highlights:

• And I'm here to attest to you and tell you that people are capable of rehabilitation and transformation
• And I'm here to attest to you and tell you that people are capable of rehabilitation and transformation
• And I'm here<02:11:35.679> to<02:11:35.840> attest<02:11:36.159> to<02:11:36.320
• > and<02:11:36.639> tell<02:11:36.800> you<02:11:37.119> that here to attest
• to you and tell you that here to attest to you and tell you that people<02:11:37.760> are<02:

Keywords: 910, house, all

Summary: The House Committee on Judiciary and Hawaiian Affairs heard testimony on two immigration-enforcement bills: HB 1886 HD1 and HB 2540 HD1. HB 1886 would limit state and federal collaboration in immigration enforcement, require visible identification and restrictions on facial coverings for law enforcement officers, and create offenses for improper masking, lack of identification, and unauthorized civil immigration interrogation, arrest, or detention. HB 2540 would also limit state and federal collaboration, require law enforcement agencies to adopt and publicly post written civil immigration enforcement policies, prohibit stops or arrests based solely on immigration status, and restrict state and county participation in civil immigration enforcement in certain places. Most testimony supported both measures. The Office of Hawaiian Affairs, the Office of the Public Defender, the ACLU of Hawaii, the Hawaii Coalition for Immigrant Rights, the Legal Clinic, and several private individuals said the bills would increase transparency, accountability, and community trust, and would help protect constitutional rights and reduce fear among immigrants and other community members. Several testifiers emphasized Hawaii’s history and the need to keep local law enforcement separate from federal immigration enforcement, while others said the bills would help people feel safer going to court, school, work, or public protests. A retired police officer also supported visible identification and uniform standards for officers, including federal agents operating in Hawaii. A few testifiers opposed the use of masked or unidentified officers and argued that local police should not be diverted from ordinary public safety duties to immigration enforcement. One ACLU witness noted that the federal government has increasingly used local and state agencies to expand immigration enforcement, and said the task-force provisions in the bills are important to prevent blurred lines between agencies. The committee did not take a final vote in the portion of the meeting provided, but it recorded very large numbers of supportive testimonies for both bills, with only a small number in opposition.

Transcript Highlights:

• That allows for self-attestation of your qualifications.
• That allows for self attestation of your qualifications.

Summary: The House convened, approved the journal, and spent much of the opening portion recognizing guests and interns from both parties, along with former lawmakers and a newly seated member, Representative Sylvia Allen. The chamber then took up House Concurrent Resolution 2065 honoring the late Alfredo Gutierrez. Members from both parties gave extended remarks about his life as a civil rights advocate, student activist, legislator, and mentor, and the resolution was unanimously adopted and transmitted to the Senate. Family members of Gutierrez were recognized in the gallery during the memorial tribute. The House then moved into Committee of the Whole on the first budget-related measures. On House Bill 4138, the “feed bill”/budget operations measure, Democrats argued the budget favored corporations and data centers over seniors, health care, housing, universities, and vulnerable families, while Republicans defended it as a continuation of prior policy and said it preserved tax conformity and modest agency cuts. After debate and questions, the committee recommended the bill do pass and the House adopted that report, sending HB 4138 to engrossing. The chamber next considered House Bill 4139, the amusement/gaming-related budget bill. Members debated whether it was essentially unchanged from last year’s budget language, with Republicans saying it was a continuation bill and that gaming-related provisions would support rural economies and tourism, while Democrats questioned the broader budget context and its effects on working families. The committee recommended HB 4139 do pass, and the House adopted that recommendation. The House then began debate on House Bill 4140, the state budget implementation bill, focusing on the budget stabilization fund and a proposed government efficiency initiative; discussion was still underway at the end of the transcript.

Transcript Highlights:

• I think if Bruce is online, he could attest to this, that there's missing state dollars, that anything
• Ellison could attest to that, but on their Choice Ready, I love that four-year rolling plan so that you're

Keywords: 908, all

Transcript Highlights:

• I think if Bruce is online, he could attest to this, that there's missing state dollars, that anything
• Ellison could attest to that, but on their Choice Ready, I love that four-year rolling plan so that you're

Summary: The Higher Education Institutions Committee met on the Minot State University campus for presentations on campus operations, enrollment, and new academic initiatives. President Shirley reviewed recent audits, noting mostly clean results with only minor technical findings, and highlighted MSU’s broad academic offerings, specialized accreditations, athletics, and partnerships with Minot Air Force Base and the MSU Development Foundation. Members asked about declining interest in teacher education, tuition waivers for athletes, dual credit incentives, and how MSU decides when to launch new programs and avoid duplication within the university system. Shirley also discussed several workforce-focused initiatives supported by the Legislature’s Workforce Education Innovation Funds, including the purchase of the Trinity Health Center West building for a downtown health sciences hub, a new daycare/preschool partnership near campus, the Aspire program to recruit rural students into teaching, and a paraprofessional-to-special-education degree pathway. Enrollment data showed overall headcount was flat at just under 2,750, but full-time equivalent enrollment rose slightly and new student numbers increased, including the largest freshman class in 15 years. The committee also discussed Minot State’s in-state tuition rate for all students, its dual credit “Emerging Scholars” scholarship, and concerns about the share of high school graduates who do not immediately pursue postsecondary education. Faculty then presented two new programs funded in part by WEAF: an Innovation Engineering degree and a master’s program in counseling with an integrated addiction studies focus. The engineering program was described as industry-driven, designed with broad early coursework, hands-on learning, and local employer input to prepare students for western North Dakota workforce needs; officials said it had already drawn more applicants than expected and would use renovated library space and donated or grant-funded equipment. The counseling program will be mostly face-to-face with hybrid options, aims to address shortages in mental health and substance use providers, and is structured to help students meet licensure requirements. Committee members asked about startup costs, licensure supervision hours, and whether the programs would be on campus rather than online, and presenters said both programs had recently received required approvals and were moving forward.

Transcript Highlights:

• served over the reservation for three years, and during my tenure as a commander in that region, I can attest
• served over the reservation for three years, and during my tenure as a commander in that region, I can attest

Bills: HB0130, HB0095, HB0096, HB0097, SF0101, SF0106, SF0067, SF0123

Keywords: Second Amendment, firearms, state rights, federal regulation, law enforcement, civil penalties, government liability, concealed carry, public colleges, university facilities, weapons legislation, self-defense, campus safety, weapons, age requirement, permits, HB0097, Wyoming firearms privacy, merchant category code, MCC

Transcript Highlights:

• The commissioner said that was a good estimate, but he could not really attest to it and told Representative
• Um, Kyle can attest to the three of you that I am a huge fan of credit unions.

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.