Transcript Highlights:

• Customers had their homeowner's insurance with a particular insurer received notice that the renewal
• of their homeowner's insurance frankly It was conditioned upon the customer moving their auto insurance
• flood insurance and personal umbrella insurance policies from the bill.
• insurer or agent.
• My house insurance shot through the roof. I had one company.

Bills: SB213 , SB378 , SB610 , SB681 , SB918 , SB1172 , SB1252 , SB1343 , SCR8

Committee: Senate Business & Commerce

Keywords: SB 213, Texas insurance, Insurance Code, Chapter 551, Chapter 541, bundling, tying arrangement, cross-selling, homeowners insurance, residential property insurance, auto insurance, personal automobile insurance, consumer protection, unfair trade practice, deceptive insurance practice, property and casualty insurer, Lloyd's plan, county mutual, reciprocal exchange, farm mutual

Transcript Highlights:

• And Trudis, was the amendment—was it amended in the Senate in line with what we did around the email?
• And Trudis, was the amendment—was it amended in the Senate in line with what we did around the email?
• Madam Chair, lastly, we'll be hearing from Chris Teft from the Washington Self-Insurers Association.
• Committee members, Chris Teft from the self-insurers.
• And that’s really the bottom-line question here.

Bills: SB6136 , SB6188 , SB5944

Committee: House Labor & Workplace Standards

Keywords: workers' compensation, industrial insurance, premium rates, rate transparency, actuarial rates, contingency reserves, Department of Labor and Industries, L&I, risk classifications, employer premiums, insurance regulation, rate setting, premium increase limits, workers' compensation advisory committee, retrospective rating, state insurance fund, accident and medical aid funds, SB 6188, asbestos, asbestos training

Transcript Highlights:

• So this is for individuals who are already insured under Medicare.
• This bill does allow the insurance company... Different.
• She is the division, the Health and Life Insurance Director at the Office of Superintendent of Insurance
• So he's also looking at a new service line. Mr.
• Do we have anyone on the line in support, please? We do have three people on the line.

Bills: SB21 , SB42 , SB81 , SB101 , SB139

Committee: Senate Senate Health & Public Affairs

Keywords: SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation, senior health coverage, elderly, retiree, Medicare beneficiaries, preexisting conditions, underwriting restrictions, premium discrimination, New Mexico insurance law, superintendent of insurance, health care coverage, policy portability, healthcare

Transcript Highlights:

• I understand some of the insurance...
• That's the bottom line. Disabilities. Insurance companies don't like it. Of course they don't.
• That's the bottom line.
• I think the natural result is going to be that insurance carriers and self-insureds are going to start
• I'm with Service Insurance Companies.

Bills: HB875 , HB1667 , HB2369 , HB3844 , HB4415 , HB4479 , HB4483 , HB4676 , HB5118 , HB5400 , HB5545

Committee: House S/C on Workforce

Keywords: workers' compensation, municipal construction, bidding requirements, small municipalities, contracting policies, first responders, PTSD, mental health, emergency services, medical expenses, injury claims, insurance carriers, opportunity youth, workforce development, employment, education, federal funds, employment discrimination, immunity waiver, public employees

Summary: The subcommittee heard testimony on a broad agenda of workforce, labor, and workers’ compensation bills. HB 4676 would require political subdivision workers’ compensation networks to follow the same notice, access, and complaint rules as certified TDI networks; supporters said public employees and first responders deserve equal access to care, while municipal risk pool representatives opposed added regulation and said existing 504 networks already perform well. HB 4479 would create a rural workforce development grant program at TWC to support college-and-career readiness and local workforce alignment, and HB 3844 would define “opportunity youth” in state law to improve data, coordination, and access to services for disconnected young Texans; both drew strong support from rural, education, and chamber witnesses. HB 5545 would clarify federal tax treatment for wage-replacement benefits in non-subscriber injury benefit plans, with proponents calling it a win for employers and injured workers. HB 5118 would direct TWC and DIR to study AI and automated employment decision tools in hiring, including bias and oversight concerns. HB 1667 would move existing PTSD workers’ compensation language into a broader Labor Code chapter so more first responders, including state and campus officers, could qualify for benefits; supporters called it a technical fix to extend coverage more evenly across agencies. The committee also heard several first-responder and workers’ compensation bills. HB 2369 would speed up claims handling for injured first responders by allowing a single medical evaluation, giving carriers 60 days to accept or deny a claim, and letting workers seek treatment while disputes proceed; law enforcement supporters said it would help injured officers return to work faster, while opponents warned it would revive extent-of-injury waiver problems and increase litigation. HB 4483 would reclassify certain workers’ compensation maintenance taxes as surcharges to reduce retaliatory taxes imposed by other states on Texas-domiciled carriers, and HB 875, as revised by committee substitute, would create a small-project exception to municipal workers’ compensation and bonding requirements for certain low-value construction contracts in small cities; both were presented as cost-saving measures for Texas employers and local governments. HB 4415 would extend anti-retaliation protections for workers’ compensation claimants from first responders to all public employees and expressly waive sovereign immunity for those claims, with supporters describing it as closing a loophole that leaves public workers without the same remedy available in the private sector. The committee also took testimony on HB 5400, which would expand remedies for sexual harassment victims by removing the requirement to first file an administrative charge, extending the filing deadline from 300 days to two years, clarifying retaliation, and eliminating current damages caps. Supporters, including employment lawyers and a parent of a victim, said the current deadlines and caps prevent many survivors from obtaining counsel or full relief, especially younger workers and those in small workplaces or franchises. Across the agenda, witnesses repeatedly emphasized access to care, fair treatment for injured workers, rural workforce development, and stronger protections for vulnerable employees. After each bill was laid out and testimony heard, the chair generally closed the public hearing and left the bill pending; no final votes were taken, and the subcommittee adjourned after completing the agenda.

Transcript Highlights:

• For the record, Kelly Leonard, staff to this committee, Senate Bill 6134 pertains to unemployment insurance
• state passed legislation removing the disqualification for striking workers to receive unemployment insurance
• that could be exacerbated by last year’s decision to allow striking workers to receive unemployment insurance
• frame, and so we feel that it is in a place today where folks can just build that into their bottom line
• This amendment just puts it in line with the previous companion bill, which we have already been before

Bills: SB6134 , SB6136 , SB6188

Committee: House Labor & Workplace Standards

Keywords: unemployment insurance, UI benefits, striking workers, strike, labor dispute, retroactive wages, overpayment assessment, overpayment recovery, Employment Security Department, ESD, claimant notice, benefit recoupment, Washington unemployment law, worker notice, federal unemployment tax credit, state unemployment fund, workers' compensation, industrial insurance, premium rates, rate transparency

Bills: HB3940 , HB3078 , HB3043

Committee: Senate Veterans and Military Affairs

Keywords: Oklahoma National Guard, compensation, education assistance, career technology, military benefits, veterans, donations, Oklahoma Department of Veterans Affairs, state agency, executive branch, HB3043, ODVA, seasonal employees, project labor, pro rata jobs, unclassified service, state personnel law, state employee benefits, paid leave, paid holidays

Summary: The committee took up three Oklahoma Department of Veterans Affairs-related House bills. House Bill 3940 was presented as a modernization and cleanup of Guard retirement-related provisions, with a confusing pay language removed; members noted it was similar to prior versions and that any fiscal impact would not occur until after 2027. After brief questions, the bill was advanced unanimously, 7-0. House Bill 3078 would allow state agencies and executive-branch entities to add voluntary donation options to payment forms so people could contribute to the ODVA Revolving Fund when paying for items such as licenses, registrations, and tax forms. Members clarified the donations would be extra, strictly voluntary, and not tied to tax proceeds. The bill passed 7-0. House Bill 3043 would authorize ODVA to hire PRN/as-needed staff as seasonal employees under defined limits to help staff veterans homes. Supporters said it would improve flexibility and staffing during peak periods, while the minority leader raised concerns about expanding temporary employment and reducing access to stable, benefit-eligible jobs. The bill passed 5-2. The committee then laid over another item pending Senator Woods’ availability and adjourned.

Transcript Highlights:

• First up on the agenda is SCR 118 SD 1, urging the Insurance Division of the Department of Commerce and
• First up is the DCCA Insurance Division with comments.
• The Insurance Division will stand on its written testimony. Thank you.
• First up is the DCCA Insurance Division First up is the DCCA Insurance Division with<00:16:27.160><c>
• :29.280><c> on</c><00:16:29.360><c> its</c> Insurance Division will stand on its Insurance Division will

Bills: SCR118 , SCR173

Committee: House Consumer Protection & Commerce

Keywords: climate change, insurance affordability, working group, disaster recovery, fossil fuel companies, insurance stability, Hawaii Hurricane Relief Fund, ticket scalping, task force, consumer protection, event accessibility, local economy, 910, house, all

Summary: The Committee on Consumer Protection heard two resolutions. SCR 118 SD1 would urge the Insurance Division and the Attorney General to convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division deferred to written testimony, while the Attorney General opposed the measure because of an ongoing lawsuit, asking that references to legal recovery and the AG’s role in convening the group be removed. Members questioned how the resolution might relate to the state’s climate damages litigation and whether it could inform damages calculations. The committee later recommended passage with amendments, including removing the Attorney General as co-convener and changing certain membership references to board chairs; the motion passed unanimously with one excused member. The committee also heard SCR 173 SD1, which would create a task force on event ticket scalping. The Office of Consumer Protection supported the concept but asked to be added as a task force member and said the draft left its role unclear. Supporters, including the National Independent Venue Association and D-BAT, described high resale prices, fraudulent or speculative tickets, and harm to consumers and local businesses. StubHub and the Ticket Policy Forum supported the task force but urged broader scope to include the primary ticket market and ticket sellers, and StubHub also sought inclusion on the task force. Members discussed whether the task force should focus on the secondary market or the broader ticketing ecosystem, and whether the Office of Consumer Protection should be part of the task force or only consulted. The vice chair recommended passage with amendments adding the Office of Consumer Protection as a member and clarifying the consultation language, and the committee adopted that recommendation unanimously with one excused member.

Transcript Highlights:

• So, uh, replace lines 30 through 31 on page two with the following requirements for captive insurance
• </c><00:09:31.360><c> Replace</c><00:09:31.760><c> lines</c><00:09:32.320><c> 33</c> Insurance companies
• Replace lines 33 through 35 on page two with the following requirements for certain captive insurers.
• </c> insurers reinsurance. insurers reinsurance.
• Replace lines replace line 641 on 19B.

Bills: HB415 , HB419 , SB219 , SB170 , HB415 , HB419 , SB219 , SB170

Committee: House Insurance

Keywords: police abuse registry, law enforcement registry, officer assault, assault on police, resisting arrest, battery on law enforcement, law enforcement injury fund, Back the Blue Act, Attorney General, clemency, pardon, commutation, rehabilitation costs, medical costs, public safety, criminal records, background checks, registry removal fee, privacy, due process

Transcript Highlights:

• I would like to call this meeting of Business and Insurance to order.
• This is for the middle people and healthcare insurance.
• And we might pick out one insurance line and say that that's a problem.
• you look at multiple lines, that's not the case.
• I don't work for an insurance carrier.

Bills: SB1969 , SB1953 , SB1277 , SB1287 , SB1061 , SB1916 , SB1589 , SB2178 , SB1444 , SB1438 , SB1501 , SB1873 , SB1364

Committee: Senate Business and Insurance

Keywords: massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits

Transcript Highlights:

• Insurance.
• My first question to the senator: would you believe that insurers, insurance carriers currently, must
• Is insurance the only industry or Is insurance the only industry where we have seen increased pricing
• We might pick out one insurance line and say that that's a problem, but I think that if we're unwilling
• All as an independent insurance agent. I don't work for an insurance carrier.

Bills: SB1969 , SB1953 , SB1277 , SB1287 , SB1061 , SB1916 , SB1589 , SB2178 , SB1444 , SB1438 , SB1501 , SB1873 , SB1364

Committee: Senate Business and Insurance

Keywords: massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits

Summary: The Senate Business and Insurance Committee met and first laid over Senate Bills 1969 and 1624 without hearing them. It then considered SB 1953, a health insurance transparency bill requiring third-party administrators to provide employers information on what was spent on employee health benefits; an amendment deleting the word “welfare” was adopted, and the bill passed 7-1. SB 1277, which codifies a three-week work-search requirement for unemployment benefits, passed 8-0. SB 1287, amended to change “may” to “shall,” would bar the Oklahoma Abstractors Board from licensing applicants not legally authorized to work in the U.S.; after questions about the need for the bill and the alleged loophole, it passed 7-2. The committee also passed SB 1061, a cleanup measure on mortgage broker licensing and renewal fees, and SB 1916, which would move the Oklahoma Receivership Office under the Insurance Department and streamline receivership operations. SB 1589, as amended to reference Indian Gaming Regulatory Act authorization, would increase penalties for illegal sweepstakes/gambling operations and expand enforcement against entities profiting from illegal gambling; it passed unanimously. SB 2178, a compromise special-event license bill requiring liability insurance coverage, also passed unanimously. Two major insurance reform bills were debated at length and failed. SB 1444 would shift homeowners insurance rate regulation from a use-and-file system to prior filing with authority for the Insurance Commissioner to declare rates excessive; after testimony from a homeowner about a large premium increase and extensive debate over regulation and market effects, it failed 4-5. SB 1438 would require reporting of underwriting gains and profits, cap average profits at 5% over three years, and require rebates or premium credits if profits exceeded that level; supporters argued it would protect consumers, while opponents warned of market disruption and reduced competition. It failed 2-7. The committee then passed SB 1501, clarifying medical marijuana grow reclamation bond requirements, SB 1873, correcting a drafting error in a prior bill and delaying its effective date, and SB 1364, requiring an affidavit of encumbrances before transferring a medical marijuana business license.

Bills: HB3940 , HB3078 , HB3043

Committee: Senate Veterans and Military Affairs

Keywords: Oklahoma National Guard, compensation, education assistance, career technology, military benefits, veterans, donations, Oklahoma Department of Veterans Affairs, state agency, executive branch, HB3043, ODVA, seasonal employees, project labor, pro rata jobs, unclassified service, state personnel law, state employee benefits, paid leave, paid holidays

Transcript Highlights:

• </c> insurance with a statewide insurance insurance with a statewide insurance plan.<00:43:15.599><c>
• Um if you [clears throat] look at line<01:19:39.040><c> 1.9</c> line 1.9 line 1.9 and<01:19:41.679><c
• You would look at liability insurance, theft insurance, vehicle insurance if the grant drives, make sure
• You would look at liability insurance, theft insurance, vehicle insurance if the grant drives, make sure
• 01:23:31.679><c> vehicle</c> insurance, theft insurance, vehicle insurance, theft insurance, vehicle

Bills: HF3422 , HF3461 , HF2904

Committee: House State Government Finance and Policy

Keywords: state grants, grant oversight, grants management, executive agencies, Minnesota Department of Administration, commissioner of administration, fraud prevention, waste prevention, grant monitoring, financial reconciliation, grant compliance, state government, public funds, grant recipients, competitive grants, grant administration, administrative oversight, monitoring visits, grant policy, legislative leave

Bills: HB537 , HB594 , HB1629 , HB2014 , HB2273 , HB3733 , HB1862 , HB2413 , HB3335

Committee: House S/C on County & Regional Government

Keywords: noise regulation, criminal offense, public health, residential areas, county authority, Texas, local governance, sheriff's department, civil service, exempt positions, local government, police oversight, fireworks, retail sales, permits, Texas-Mexico border, seasonal sales, election, hospital district, board of directors

Transcript Highlights:

• </c> insurance affordable for folks. insurance affordable for folks.
• </c> contribute to making health insurance contribute to making health insurance more<00:34:20.000><c
• </c> insurance in their premiums. insurance in their premiums.
• </c> an additional report from the insurance an additional report from the insurance companies?
• </c> last line in the handout. last line in the handout.

Bills: HF4502 , HF3388 , HF4106 , HF400 , HF4138 , HF4118 , HF4203

Committee: House Commerce Finance and Policy

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Transcript Highlights:

• Then these funds get put into a separate line item for those who have been impacted by fraud to submit
• Then these funds get put into a separate line item for those who have been impacted by fraud to submit
• And we have a bill in front of us that talks about insurance later today and the cost of insurance going
• And we have a bill in front of us that talks about insurance later today and the cost of insurance going
• And so that line at the end really clarifies some of the concerns that were raised.

Bills: HF1392 , HF2233 , HF695 , HF2228 , HF1289

Committee: House Commerce Finance and Policy

Keywords: consumer protection, restitution, attorney general, consumer enforcement, unclaimed funds, victim compensation, settlement funds, special revenue fund, general fund, restitution account, consumer fraud, state treasury, eligible consumers, distribution of funds, tax subtraction, income tax, refund, unpaid compensation, Minnesota Department of Revenue, consumer redress

Transcript Highlights:

• , if they move a pet insurance...
• So basically, rather than ceasing writing pet insurance, if you move a policyholder from one insurance
• Agency’s home heating oil tank insurance program.
• agency's home heating oil tank insurance program.
• I know I've gone through an expensive pet before, which I had insurance.

Bills: HB2291 , HB2629 , HB2439 , HB1078 , HB1701 , HB2207 , HB2501 , HB2361 , HB1932

Committee: House Consumer Protection & Business

Keywords: kratom, consumer protection, regulation, health safety, substance control, infrastructure, protection, safety, security, state regulations, public health, tobacco regulation, smoking cessation, vapor products, health policy, youth prevention, pet insurance, insurance regulation, animal welfare, claims processes

Transcript Highlights:

• It allocates 100% of insurance assessments to insurance fraud investigations, which is up from 70%.
• It allocates 100% of insurance assessments to insurance fraud investigations, which is up from 70%.
• It allocates 100% of insurance assessments to insurance fraud investigations, which is up from 70%.
• It allocates 100% of insurance assessments to insurance fraud investigations, which is up from 70%.
• the insurance agency?

Bills: HF2335 , HF2400 , HF2401 , HF2522

Committee: House Commerce Finance and Policy

Keywords: Medicare, health insurance, supplement policies, preexisting conditions, medical assistance, premium classification, real estate, appraisers, disciplinary actions, sanction matrix, Minnesota Statutes, continuing education, out-of-state, licensing, commerce, fraud prevention, automobile theft, law enforcement, insurance crimes, 1183

Transcript Highlights:

• House Bill 1216, expenses for prescription drugs and relating to self-insurance health care plans.
• But insurance companies can place a rider on your policy that says, Insurance companies can place a rider
• continued: "Tell insurance companies they're not welcome.
• Section 4 applies to the Public Employees Retirement System, Uniform Group Insurance Program, or, for
• The rest of the bill impacts other health insurance at what date? Mr.

Bills: SB2271 , HB1216

Committee: Senate Appropriations

Keywords: adult residential facilities, care services, Medicaid, payment rates, elderly care, health services, North Dakota, prescription drugs, drug affordability, copay assistance, copayment accumulator, deductible accumulator, out-of-pocket maximum, health insurance, health benefit plan, self-insured health plan, self-funded plan, third-party payment, manufacturer assistance, patient assistance program

Summary: The Appropriations Committee met with a quorum and took up three bills. House Bill 1216, dealing with prescription drug expense co-pay accumulators in health plans, was presented by Rep. Karen Carl’s, who explained it would prevent insurers from refusing to count third-party assistance toward deductibles for patients using high-cost, non-generic drugs. An amendment was offered to clarify effective dates, including a delayed January 1, 2026 start for PERS coverage. PERS testified that the amendment would align with its calendar-year benefit structure and likely reduce the fiscal note. The amendment was adopted 16-0, and the bill was set aside for further discussion later. House Bill 1199, creating a criminal justice data-sharing system and missing persons/missing Indigenous people task force, was introduced with a committee amendment changing the Attorney General reference to the Attorney General or designee. The committee noted the bill includes a $250,000 general fund appropriation for ongoing costs. The amendment passed 16-0, and the amended bill received a do pass recommendation by a 15-1 vote, with one no vote from Senator Magrum. House Bill 1531, appropriating $75,000 for an irrigation expansion study by the Agriculture Commissioner, was supported as a way to update older economic-impact studies on irrigation and assess opportunities for expansion. Members discussed its relationship to broader study pauses and the history of irrigation development in the state, including Garrison Diversion and remaining authorized acres. The bill passed 16-0. The committee then discussed scheduling for the coming week, noting a heavy bill load and plans for daily morning meetings before adjourning.

Transcript Highlights:

• TDI-regulated insurance have state-level parity protections.
• People with Medicaid and CHIP insurance— Medicaid and CHIP insurance have state-level parity protections
• You pay a little extra on travel insurance for, in case.
• It sounds like insurance. Well, it does, but it's currently. it's not.
• And we don't think it is insurance.

Bills: HB201 , HB272 , HB618 , HB 1094 , HB 1142 , HB201 , HB272

Committee: House Pensions, Investments & Financial Services

Keywords: financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, credit card fraud, debit card fraud, prosecution, illegal possession, state law, HB 618, Texas insurance code, IVF, in vitro fertilization, fertility treatment, infertility coverage, government employee health benefits

Transcript Highlights:

• ><c> in</c> insurance because captive insurance in insurance because captive insurance in essence<00:
• It's it's regulated self-insurance. self-insurance. self-insurance.
• </c> insurance.
• It simply requires insurers insurance.
• </c> insurance agent to act. insurance agent to act.

Bills: SB2607 , SB2031 , SB2043 , SB2623 , SB2876 , SB2396 , SB2964 , SB2089

Committee: House Consumer Protection & Commerce

Keywords: landscape architecture, licensure, educational requirements, examination, professional standards, consumer protection, junk fees, live-event tickets, short-term lodging, transparency, pricing disclosure, deceptive practices, insurance, captives, regulations, policyholders, SB2623, Hawaii pharmacy law, Board of Pharmacy, registered pharmacy technician

Summary: The committee first heard HCR 168 and HR 158, which would create a temporary working group to study utility capacity, coastline infrastructure lifespan, and the costs of needed expansions. Public Utilities Commission staff said the commission was not the right entity to direct all of the work because it lacks authority over many affected agencies. Members discussed whether the study should be limited to a coastal area or broadened to the whole island, and in decision-making the committee amended the measure to focus on the County of Honolulu, correct references to the Public Utilities Commission, and revise the working group membership to include the PUC chair, legislative designees, and directors or designees from DLNR, DOT, HIEMA, and DCCA Consumer Advocacy. The committee then passed both resolutions with amendments; the vote was adopted unanimously, with some members excused. The committee next considered HCR 145 and HR 137, which would convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division stood on its written comments, the Climate Change Mitigation and Adaptation Commission supported the intent, and the Attorney General opposed the measure, warning that a working group could create discoverable materials that might complicate the state’s climate litigation and noting a technical ambiguity in the reference to the Hawaii Hurricane Relief Fund administrator. After questions about discovery and the lawsuit, the committee amended the resolutions to replace the administrator reference with the chair of the Hawaii Hurricane Relief Fund Board of Directors, remove the Attorney General as convener while keeping the office as a member, and have the working group share findings and recommendations with the House CPC and Senate CPN committees instead of issuing a report. The committee passed the measures with amendments, with Rep. Martin voting with reservations. In the later agenda, the committee heard SB 2607, SD 1 on landscape architect licensure. The Board of Professional Engineers, Architects, Surveyors, and Landscape Architects supported the bill, explaining it modernizes licensure requirements to align with national standards and clarifies the profession’s design-focused role. The bill was discussed as distinguishing landscape architecture from groundskeeping and from civil engineering drainage work. No opposition was heard. The committee also heard SB 2031, SD 2 on consumer protection and price transparency for live ticket events and short-term lodging. The Office of Consumer Protection supported the bill, saying it largely mirrors an FTC rule requiring all-in pricing and would give the state enforcement authority and remedies. The Hawaii Financial Services Association opposed the bill as drafted and sought a limited exemption for credit card issuers relying on third-party hotel information, while the Hawaii Hotel Alliance supported the measure but asked for language deeming compliance with the federal rule sufficient for short-term lodging. Committee members questioned whether those proposed exemptions would conflict with federal law or weaken state enforcement, and the discussion focused on preemption, liability, and the value of state remedies such as restitution.