Transcript Highlights:

• the resiliency of our small business owners after natural disasters and other business interruptions
• businesses and small businesses across the state.
• My journey with the SBDC started as a small business owner.
• It is small business development.
• Small businesses are under severe economic strain.

Summary: The subcommittee heard an informational update from the Governor’s Office of Business and Economic Development on the state’s Jobs First economic development strategy and related budget requests. Go-Biz described its regional planning process, priority sectors such as ag-tech, space defense, life sciences, and semiconductors, and requests including an extension of the CalCompetes tax credit, support for export promotion, additional film commission staff, innovation and emerging technology capacity, and a California brand campaign. Members questioned the campaign’s purpose, with some supporting efforts to counter misinformation about California and others warning it should not obscure regulatory and business-climate concerns. Go-Biz said the campaign would be nationally focused, could include business attraction efforts, and was intended to complement—not replace—policy work on permitting and workforce development. The item was informational only. The committee then heard from the California Office of the Small Business Advocate on the California RISE program, the Performing Arts Equitable Payroll Fund, and the Technical Assistance Program/Capital Infusion Program. CalOSBA reported that California RISE’s first round awarded $16.9 million to 61 employment social enterprises, which collectively increased revenue, secured contracts, and employed thousands of people facing barriers to work; a second round is being launched with a new administrator and expanded services. For the performing arts payroll fund, the office said all 100 awardees had been paid, but demand far exceeded available funding, and the program was oversubscribed within days. California for the Arts testified that the sector remains fragile after COVID and urged statutory changes to simplify eligibility and stretch dollars further. SBDC representatives described TAP/SIP as a statewide network supporting small businesses, capital access, and disaster recovery, emphasizing their role in underserved communities and the leverage of federal matching funds. Committee members focused on whether these programs produce durable outcomes and reach smaller or disadvantaged businesses. Questions centered on long-term job retention in California RISE, outreach to ethnic and community media in the civic media program, and whether TAP/SIP are accessible to entrepreneurs with limited capital or capacity. CalOSBA and its partners said they rely heavily on local community organizations for outreach, provide one-on-one counseling and training, and are working to collect more longitudinal data. The committee also discussed the film and television tax credit program, for which Go-Biz requested funding for three permanent positions and ongoing program support. Film Commission staff said the expanded program is tracking demographic and career-pathway data, with most productions opting into new diversity provisions, and that a formal report to the Legislature is expected in 2027. The item concluded without a vote, as the hearing was for oversight and budget discussion.

Transcript Highlights:

• Nine out of ten restaurants are small businesses.
• The estimated savings for small businesses are thin.
• You know, as we've heard, small businesses actually pay approximately twice what large businesses pay
• This is offered by 52% of small businesses.
• So you have partners with small businesses, and if small businesses are asking you for a little bit of

Keywords: 995, all

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.

Transcript Highlights:

• </c> concern for small businesses in America. concern for small businesses in America.
• :27:39.120><c> business</c> about putting American small business about putting American small business
• </c><02:33:36.560><c> business</c> outreach, and even in small business outreach, and even in small business
• </c> These are successful small businesses. These are successful small businesses.
• </c> war and save our small businesses. Mr. war and save our small businesses. Mr.

Keywords: U.S. House of Representatives Floor Proceedings on Thursday, June 5, 2025, 1012, house, all

Transcript Highlights:

• Our focus is on small business lending.
• In 2012, we had $8 million in small business loans, and now we have $108 million in small business loans
• Small loans help small businesses get started.
• Our small business lenders are not only providing loans to small businesses, but they also provide a
• Our funding can only be used for small businesses.

Transcript Highlights:

• Those small businesses, I like to say, paint the canvas of our communities.
• You know, our services range from anywhere from just helping a small business start their business, filing
• Small business owners impacted by the storm face a tough season ahead.
• We are committed to helping small businesses recover from the storm.
• We are committed to helping small businesses recover from the storm.

Summary: The Committee on Commerce and Tourism convened with several members present and Senators DiCeglie and McClain excused. The committee first heard a presentation from Greg Britton, State Director of the Florida Small Business Development Center Network, who described the network’s statewide small-business assistance, including startup support, export and contracting help, disaster recovery, and rural outreach. He highlighted reported 2023 impacts such as $3.9 billion in sales generated, $575.9 million in government contracts, $346.2 million in capital, and support for 2,009 new businesses, including 130 manufacturing firms over the past two years. Members asked about comparisons with SCORE and about measuring rural success, with the chair suggesting jobs and wages in rural areas would be useful metrics; Britton said he could provide job data but was unsure about wage information. The committee then took up SB 320 by Senator Gates, which creates a five-year demonstration project for an alternative licensure pathway for surveyors and mappers. The bill would allow a “first-step” probationary license based on industry certification, apprenticeship, recommendation from a licensed Florida surveyor, and passage of the Department of Agriculture exam within the five-year period, without requiring a four-year degree. Senators asked about the labor shortage, education requirements, foreign workers, and moral character standards. Gates said the shortage is chronic and worsening, the bill has no degree requirement, and anyone meeting the qualifications could proceed regardless of visa status. The committee voted to report SB 320 favorably. Next, the committee considered SB 316 by Senator Berman, which authorizes series limited liability companies in Florida and sets rules for how Florida and foreign series LLCs may operate and transact business in the state. Berman explained that the bill is intended to let businesses isolate liabilities across separate series while providing clearer rules for Florida citizens and businesses dealing with such entities. There were no substantive questions, one appearance form in support, and the committee voted to report SB 316 favorably before adjourning.

Transcript Highlights:

• businesses and our small farmers.
• businesses and small farmers.
• A lot of the small businesses came to my office, even being that I run my own small business.
• We want small business interacting with small business, and that needs to keep going forward.
• </c> businesses I was forced into a small businesses I was forced into a small business<01:38:17.599>

Keywords: 1187, senate, all

Transcript Highlights:

• Small businesses may just stop operating.
• And as a failed small business owner, it's like, I'm disappointed that some of our small business things
• And then two, the very small businesses. Those are businesses that have fewer than 10 employees.
• A small business at NMFA?
• I'm sorry, define small businesses. Pardon me.

Transcript Highlights:

• Small businesses are the backbone of our economy.
• Most small business owners are not financial experts.
• Most small business owners are not financial experts.
• protection for our small business owners.
• need this protection for our small business owners.

Keywords: 988, house, all

Transcript Highlights:

• WE WILL MOVE FIRST TO THE PRESENTATION BY FLORIDA SMALL BUSINESS DEVELOPMENT SENATOR NETWORK.
• SMALL BUSINESSES PAINT THE CAMPUSES OF OUR COMMUNITY.
• THE SERVICES RANGE ANYWHERE FROM HELPING SMALL BUSINESSES START THEIR BUSINESS FILING ARTICLES OF INCORPORATION
• WE ARE COMMITTED TO HELPING SMALL BUSINESSES RECOVER FROM THE STORM.
• WITH THAT I SAY OUR SMALL BUSINESSES ARE HEROES. NOT JUST TO THE NETWORK.

Keywords: 999, senate, all

Transcript Highlights:

• </c><03:36:49.200><c> business</c> and accessible to small business and accessible to small business
• </c><03:50:28.000><c> Business</c> Predictability and Small Business Predictability and Small Business
• </c><03:51:47.600><c> Business</c> Predictability in Small Business Predictability in Small Business
• </c><03:55:30.800><c> business</c> predictability in small business predictability in small business
• </c> to start their own small business. to start their own small business.

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, June 3, 2025, 1012, house, all

Transcript Highlights:

• the resiliency of our small business owners after natural disasters and other business interruptions
• , 36,000 were owned by minority small business owners, 3,000 were veteran-owned businesses, 6,000 were
• businesses and small businesses across the state.
• My journey with the SBDC started as a small business owner.
• It is small business development.

Summary: The subcommittee heard an overview from Go-Biz Director D.D. Myers on the administration’s economic development strategy, centered on the California Jobs First framework. Myers described regional planning across 13 regions, the Jobs First Council, and pilot sectors including ag-tech, space and defense, life sciences, and semiconductors. She also outlined budget requests for CalCompetes, CalExport, the California Film Commission, innovation/emerging technologies, and the California Civic Media Fund, along with the new California brand campaign. Committee members raised questions about misinformation about California, regulatory burdens, tourism versus broader economic messaging, and how the brand campaign would highlight underrepresented communities. No vote was taken; the item was informational. The committee then reviewed CalOSBA’s work on small business support, including California RISE, the Performing Arts Equitable Payroll Fund, and TAP/SIP technical assistance and capital infusion programs. CalOSBA reported that California RISE’s first cohort awarded $16.9 million to 61 employment social enterprises, with growth in revenue, contracts, and jobs; the performing arts payroll fund paid all 100 recipients but was heavily oversubscribed; and TAP supported more than 112,000 businesses in the past year, helping leverage federal and local funds. Testimony from program partners emphasized the importance of small business counseling, community-based outreach, and support for arts organizations facing post-pandemic and AB 5-related cost pressures. Senators pressed for more data on long-term job retention, better outreach to smaller and ethnic media, and possible program changes to speed grants and stretch funding further. Finally, the committee heard Go-Biz’s request for additional staff and funding for the California Film and Television Tax Credit Program. Staff said the request would support application review, DEIA implementation, and data tracking. The Film Commission reported that about 147 productions had been approved and roughly 90% were opting into the new diversity provisions, with career pathways reporting to include demographic and participation data and a future report expected in 2027. Senators asked about accountability, apprenticeship and internship hours, and whether the program was producing real career pathways and inclusive hiring outcomes. The item remained informational, with no vote or action taken during the hearing.

Transcript Highlights:

• </c><00:04:34.800><c> Business</c> Civil Rights and Small Business Civil Rights and Small Business Development
• </c><00:04:55.440><c> business</c> veteranowned small business veteranowned small business certification
• Um, and they own a small business.
• </c> owned small business are all Kentucky. owned small business are all Kentucky.
• </c><00:31:38.880><c> that</c> small businesses and the barriers that small businesses and the barriers

Keywords: 958, all

Summary: The August 2025 interim meeting of the Commission on Race and Access to Opportunity began with roll call, confirmation of a quorum, approval of the June meeting minutes, and welcoming a new member, Ivonne Smith, who noted her background in MWBE and DBE work. The chair also offered condolences to a member whose father recently passed away and explained that the committee had invited agency officials to answer questions raised at the prior meeting. The first presentation was from Singer Buchanan of the Kentucky Finance and Administration Cabinet, who described the state’s equal opportunity and contract compliance office and its certification programs for service-disabled veteran-owned small businesses and minority/women business enterprises. He outlined outreach efforts, including partnerships with veterans’ organizations, the Kentucky Department of Veterans Affairs, UK, and transportation-related groups; explained that the programs are intended to expand market access rather than provide grants; and said the office has moved to an online application portal that has processed 227 new applications since December 2023. He reported 536 total vendors across the programs, including 29 service-disabled veteran-owned small businesses, and said the office is considering website testimonials to improve outreach. Members asked about staffing, application assistance, and whether the state program conflicts with federal policy; Buchanan said the office has three staff members and that the program is state-funded and, based on legal advice, should continue under Kentucky law. Tony Yusefi of the Kentucky Transportation Cabinet then presented on the federal Disadvantaged Business Enterprise program. He explained the program’s legal basis under federal DOT regulations, its eligibility standards, and its purpose of creating a level playing field while helping firms grow and eventually compete without assistance. He described certification requirements, annual documentation, prompt-payment protections, commercially useful function reviews, good-faith effort requirements, and sanctions for violations. He also discussed barriers facing DBEs, including access to capital, bonding, insurance, training, and prequalification requirements, and noted that 50 firms were removed last month for noncompliance with annual documentation rules. Yusefi said the cabinet has expanded supportive services, including an online application platform, bid notifications, and a nine-class business development program; 95 DBEs are enrolled this year, and the bid-matching system reaches an average of 377 DBEs monthly.

Transcript Highlights:

• ><c> small</c><00:06:42.000><c> business</c><00:06:42.479><c> plans,</c> businesses, small business plans
• <c> small</c> help our small businesses with the small help our small businesses with the small business
• </c><00:31:12.960><c> businesses</c> support to help small businesses support to help small businesses
• on our small businesses.
• ><c> and</c><01:25:02.719><c> small</c> small business emergency loans and small small business emergency

Keywords: 1187, senate, all

Transcript Highlights:

• Small businesses are the backbone of our economy.
• Before coming to the Legislature, I was a small business owner myself.
• Most small business owners are not financial experts.
• need this protection for our small business owners.
• One is the bill has a conflicting definition of what a small business is.

Summary: The Assembly Banking and Finance Committee met and first approved the consent calendar, which included AB 2028, AB 2425, and committee bill AB 2795, all sent to the Committee on Appropriations. The committee also noted that AB 2558 and AB 2746 had been pulled from the agenda. The chair reviewed hearing procedures, including acceptance of written testimony and rules against disruptive conduct. The committee then heard AB 2116, which would require registration and basic conduct standards for certain small-business financing providers, including merchant cash advance companies, and prohibit confessions of judgment and power-of-attorney provisions before default. Supporters argued the bill would close an oversight gap and improve transparency for small businesses; a small business owner testified that a purported 13% loan turned out to have a 235% APR. Opponents said the bill mixed consumer and commercial regulation and could restrict access to capital, though they supported banning confessions of judgment. The bill passed on a roll call vote and was sent to Appropriations. AB 2243, by Assembly Member Haney, proposed creating a state bank commission to study whether California should establish a state bank or other public financing tools. Supporters said a public banking model could reduce borrowing costs, keep more public money in-state, and better finance housing, infrastructure, and other public priorities; opponents from banking groups raised concerns about taxpayer exposure, deposit guarantees, and the use of public funds and existing lending structures. The bill passed and was sent to Appropriations. The committee also heard AB 2350, which would set guardrails on rent-now-pay-later products for rental housing; supporters said these products can lead to high fees, debt, and eviction risk, while industry groups opposed the bill unless amended. AB 2350 passed as amended and was sent to Appropriations. At the end of the meeting, the committee completed roll calls for absent members and adjourned.

Transcript Highlights:

• </c><00:18:03.120><c> business</c> and small business and small business needs<00:18:05.480><c> at</c
• </c> 20% said that climate for small 20% said that climate for small businesses. businesses. businesses
• <00:28:10.840><c> businesses</c> Rochester to Duluth, small businesses Rochester to Duluth, small businesses
• </c> to bringing small businesses back. to bringing small businesses back.
• I'm a small business owner. Business owner.

Keywords: 1183, house

Transcript Highlights:

• I would also add that behind every small business is a bank.
• restaurants and small businesses are facing.
• restaurants and small businesses are facing.
• restaurants and small businesses are facing.
• and small businesses in Massachusetts.

Keywords: 1212, all

Summary: The Special Legislative Commission studying the future of credit card payments and their impacts on small businesses held what leaders described as its last public hearing, though they said the commission would continue meeting to develop a report and recommendations. Chair Paul Feeney and other members noted the issue is complex and that they had sought testimony from a wide range of stakeholders before moving into a more deliberative phase. The commission adjourned after hearing from several in-person and virtual witnesses. Banking and card-industry witnesses, including the Massachusetts Bankers Association, the Card Coalition, the Electronic Payments Coalition, and others, argued that payment cards provide major benefits to consumers and merchants, including convenience, fraud protection, fast settlement, and broad access to electronic commerce. They warned that state-level changes to interchange rules could create a patchwork of conflicting requirements, disrupt global payment systems, and especially affect state-chartered community banks and small businesses. Several also said recent federal actions and litigation, including OCC and NCUA preemption rules and the Illinois interchange-fee litigation, have limited the practical reach of state laws. Restaurant, retail, and convenience-store witnesses pushed for relief from swipe fees, saying independent businesses operate on thin margins and pay fees on amounts that are not really their revenue, such as sales tax and gratuities. They urged transparency, the ability to surcharge, vendor compensation for tax collection, and limits on interchange or related fees. Some witnesses said merchants bear significant fraud and chargeback costs and that banks and card networks have not offered enough direct relief. Commissioners asked questions about surcharging, fee regulation, fraud, and whether industry should share more of the burden. No votes or formal actions were taken beyond adjourning the hearing.

Transcript Highlights:

• , in conjunction with National Small Business Week.
• To our guests who are here with the Goldman Sachs Small Business Program and all of our small business
• TO OUR GUESTS WHO ARE HERE WITH THE GOLDMAN SACHS SMALL BUSINESS PROGRAM AND ALL OF OUR SMALL BUSINESS
• Small businesses in rural areas like mine.
• Of pay bill, which literally puts small businesses out of business.

Keywords: 993, senate, all

Summary: The Senate convened with prayer, approved the journal, and welcomed several guest groups, including Saugerties student government officers, the Marlboro High School boys bowling state champions, a civics group, a National Guard/9-11 responder advocate, family members honoring Salvador Vizcarrondo Jr., architecture professionals, correctional officers and employees, and small business representatives. Members also offered resolutions recognizing Architecture Week, Correctional Officers and Employees Week, and Small Business Week, along with tributes to community leaders and student achievements. The chamber then took up a series of bills on the non-controversial calendar, passing measures on education leave for incarcerated people, utility interconnection study, property tax exemption, alcohol regulation, executive law, school drill requirements, victim sentencing rights, public health, public officers, public authorities, election law, environmental conservation, veterans/homeland security, labor, and other topics. Several bills were laid aside. Some measures drew brief explanations of vote, including concerns about school safety drills, correctional staffing and safety, and a victims’ rights bill that one senator said mirrored an earlier version he had carried. The most extended debate centered on the 21st Century Antitrust Act (Calendar 879), with supporters arguing it would modernize antitrust enforcement against dominant firms, especially big tech, and opponents warning it would create vague standards, invite private lawsuits, and harm small and rural businesses. Another debated bill (Calendar 818) would restrict sharing of utility consumption data with police; supporters framed it as a privacy measure requiring normal legal process, while opponents said it would hinder law enforcement while still allowing state regulators access. Both bills were ultimately restored to the non-controversial calendar and passed, and the Senate adjourned until the next day.

Transcript Highlights:

• Sure, I'm a small business owner.
• in the country that represents small businesses.
• Our average premiums for small businesses skyrocket.
• very small businesses.
• We are a small business.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• And that 25% includes hyper-local small businesses and micro-small business as well.
• The other thing is on small businesses opportunities.
• The other thing is on small businesses opportunities.
• small businesses about how they can get ready today.
• He's talking about business opportunities for our small businesses and how the City of L.A. is working

Summary: The joint informational hearing focused on preparations for the 2028 Olympic and Paralympic Games in Los Angeles, with opening remarks from Assembly Members Tina McKinnor and Chris Ward emphasizing the Games’ cultural, economic, and statewide significance. Members highlighted opportunities for arts and culture, tourism, and community participation, while also noting the need for orderly proceedings and public cooperation. LA28 leaders Reynolds Hoover and Janet Evans described the organizing committee’s structure, the scale of the event, and its goals of delivering a fiscally responsible, no-build Games centered on athletes, sustainability, and legacy benefits. LA28 testified that the Games will be the largest in Olympic history, with more than 15,000 athletes, over 800 events, more than 50 venues, and a budget of $7.2 billion. They discussed venue plans, the athlete village at UCLA, the addition of new sports such as cricket, flag football, lacrosse, squash, and baseball/softball arrangements, and the first Paralympic Games in Los Angeles. Members asked about fashion and merchandising, faith-based participation, venue upgrades, housing, small business opportunities, environmental goals, and athlete mental health. LA28 said it is prioritizing local and small business participation, has launched youth sports and volunteer initiatives, and is working with the IOC on mental health support and with venue owners on improvements. City of Los Angeles representative Paul Corcoran outlined the city’s role in maximizing economic benefit and long-term legacy through the Mayor’s “Games for All” vision, including accessibility, human rights, youth sports, arts and culture, and transportation improvements. He said the city is using tools like RAMP, Compete for L.A., business source centers, and procurement and financing programs to help local businesses participate, and that the city is seeking broader support for arts and culture programming tied to the Cultural Olympiad. Metro CEO Stephanie Wiggins described transit planning for a “transit-first” Games, including the Games-Enhanced Transit Service, borrowing about 1,700 buses from agencies nationwide, and asking the state for $379 million in construction funding for legacy transit projects. She said all projects are environmentally cleared and expected to be ready in time for the Games, while members raised concerns about traffic, multilingual wayfinding, and the need for strong public messaging to reduce congestion. Public comment urged that the Games be experienced beyond venues and across communities, and no formal votes were taken.

Transcript Highlights:

• For service businesses, the small business B&O credit is increased from $160 per month to $375 per month
• This could be very damaging to 20% of all small businesses; emerging businesses are minority-owned.
• I own a small business, and my business income shows up on my personal taxes.
• I'm here today with AGC, ACEC, and a small coalition of small business owners who stand in opposition
• . ...and a small coalition of small business owners who stand in opposition of this bill.

Keywords: 904, all