Transcript Highlights:

• The bill allows consumer lender licensees to collect finance charges on guaranteed asset protection waivers
• and how effectively consumer protections apply.
• The foundation of the consumer protections were enacted in 2012.
• The intent of the underlying statute and changes today are to provide consumer protections following
• a storm where there is... ...are to provide consumer protections following a storm where there has been

Bills: SB1165, SB1206, SB1212, SB1291, SB1347, SB1516, SB1554, SB1649, SB1689, SB1812

Keywords: breast cancer, screening services, health insurance, cost sharing, preventive care, storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention

Summary: The Senate Finance Committee approved committee amendments and then heard a series of bills covering consumer lending, health insurance, chiropractic practice, breast cancer screening, insurance claim practices, digital assets, vaccination-based reimbursement, agricultural property inspections, and aviation tax exemptions. Testimony generally split between sponsors and industry or advocacy supporters emphasizing modernization, consumer access, or fairness, and opponents raising concerns about higher costs, tax breaks for wealthy interests, or unclear policy changes. Several bills drew detailed debate over whether they would help consumers or shift costs, and multiple witnesses described personal or industry experiences in support of the health-related measures. SB 1689, which would raise consumer loan thresholds and change interest-rate tiers, was amended but failed on a tied vote after Senator Epstein opposed it as shifting costs to smaller borrowers. SB 1347, requiring coverage for fertility preservation for cancer patients, was amended and passed 4-2 after testimony from the sponsor, a nonprofit representative, and two cancer survivors. SB 1165, eliminating cost-sharing for diagnostic and supplemental breast exams, was amended and passed 5-1. SB 1206, updating rules for public adjusters and contractors after loss events, was amended and passed 5-1. SB 1649, creating a digital assets strategic reserve fund, passed 4-2 despite criticism that it was unnecessary and pro-crypto. SB 1212, barring different reimbursement rates based on vaccination status, passed 4-2. SB 1291, limiting county assessors’ ability to reclassify or inspect agricultural property for four years after a successful appeal, was amended to allow inspections if taxable improvements are made and passed 5-1 over assessor opposition. SB 1516, expanding aviation-related tax exemptions to more aircraft maintenance and repair property, passed 4-1 after supporters framed it as economic development and opponents called it a tax break for private jets. SB 1554, updating chiropractic language from “x-ray” to “diagnostic imaging,” initially failed, was reconsidered after additional questioning, and then passed 3-2 after members said the change mainly codified current practice and reduced liability concerns.

Transcript Highlights:

• Calling the joint committee on Ways and Means and Consumer Protection to order.
• I think you have to understand that this measure, if passes, is going to be charged on to the consumers
• I think you have to understand that this measure, if passes, is going to be charged on to the consumers
• I think you have to understand that this measure, if passes, is going to be charged on to the consumers
• I think you have to understand that this measure, if passes, is going to be charged on to the consumers

Bills: SB2088, SB2925, SB3263, SB2047, SB2087, SB2100, SB2268, SB2353, SB2781, SB2902

Keywords: coconut trees, tax credit, natural management, Hawaii, agriculture, biosecurity, environment, coconut rhinoceros beetle, student-athletes, name image likeness, NIL, compensation, transparency, University of Hawaii, Title IX, funding, protections, pharmacy benefit managers, maximum allowable cost, drug pricing

Summary: The joint committee on Ways and Means and Consumer Protection met for decision-making only on two agendas and took action on a large number of Senate bills, with no oral testimony heard. On the 1016 agenda, the committee recommended passage of measures including SB 2088, SB 2925, SB 2781, and several others, and passed a number of bills with amendments. Notable amendments included SB 3263, which adopted AG amendments related to the name, image, and likeness endowment trust fund; SB 2047 on pharmacy benefit managers, which incorporated Hawaii Pharmacist Association changes; SB 2087 on health insurance, which added Insurance Division clarifications; SB 2100 on pesticides, which added a blank appropriation; SB 2353 on outdoor signage, which removed provisions related to the Wiki special district; and SB 2902 on renewable energy, which clarified certification standards for portable solar devices and exempted them from certain disclosure requirements. Most recommendations were adopted without objection, though a few members noted reservations on selected bills. The committee also deferred one bill on the agenda, SB 3327. The committee then moved to the 1015 agenda and acted on additional measures. SB 2003 was passed with amendments tied to Act 255, including a repeal trigger if deadlines are missed; SB 2497 on utility-related transparency drew the most discussion, with one member warning about litigation and costs while another argued it was simply about electricity-rate transparency, and it ultimately passed with PUC-related amendments and an exemption for utility cooperatives. Other measures were passed unamended or with technical or fiscal amendments, including bills affecting land planning, tax credits, conveyance tax language, shoreline maintenance, and community improvement projects. Several bills had appropriations blanked or effective dates deferred to 2050, and many were adopted with members noting reservations rather than opposition. On the 1017 agenda, the committee continued approving measures, including SB 709 on crisis intervention officers and assisted community treatment, SB 2153 on defining bona fide farmer/agriculture activity, SB 2694 on water rate adjustments, SB 3025 on income eligibility limits, and SB 3085 on the Hawaii film studio, which included a five-year repeal provision if the studio has not relocated. The committee also passed numerous other bills unamended or with technical amendments, often deferring effective dates or blanking appropriations. Across both agendas, the committee’s actions were largely consistent: bills were advanced with amendments tailored to agency requests, technical corrections, or fiscal adjustments, and votes were generally unanimous or near-unanimous with occasional reservations recorded.

Transcript Highlights:

• that having this bill would also allow people who do suffer and deal with disabilities to have protection
• <00:08:24.879> Aaliyah,<00:08:25.759> other<00:08:26.080> pl ...have a protection

Bills: HB66, HB79, HB95, HB145, HB66, HB79, HB95, HB145

Keywords: elder abuse, financial exploitation, inheritance, joint tenancy, conviction effects, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate

Transcript Highlights:

• that having this bill would also allow people who do suffer and deal with disabilities to have protection
• that having this bill would also allow people who do suffer and deal with disabilities to have a protection
• that having this bill would also allow people who do suffer and deal with disabilities to have a protection

Bills: HB66, HB79, HB95, HB145, HB66, HB79, HB95, HB145

Keywords: elder abuse, financial exploitation, inheritance, joint tenancy, conviction effects, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate

Transcript Highlights:

• protection stronger?
• It lets them know that they can protect their data.
• because consumers actually have a choice.
• That is a consumer choice.
• I think the legislature has told TDI to protect consumers, clearly, but if they're going to take that

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

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:

• This bill, in its essence, is specifically targeted to be limited to consumer protections for children
• This bill, in its essence, is specifically targeted to be limited to consumer protections for children
• This bill, in its essence, is specifically targeted to be limited to consumer protections for children
• This bill also creates due consumer protections.
• The bill gives the Department of Legal Affairs enforcement authority for violations of consumer protections

Bills: S2500, S2502, S2504, S7028, S2506, S2508, S2510, S2512, S2514, S2516, S2518, S0482, S0678, S0984, S1016, S1074, S1706, S7030

Keywords: budget, appropriation, education funding, healthcare, environmental protection, infrastructure, local government, Appropriations Act, funding, education, rural development, economic assistance, collective bargaining, state employees, labor relations, impasse resolution, negotiations, retirement, elected officials, Deferred Retirement Option Program

Summary: The committee heard presentations on the Senate’s proposed 2026-2027 budget, SPB 2500, with chairs outlining major spending in K-12 education, higher education, health and human services, criminal and civil justice, transportation/tourism/economic development, and agriculture/environment/general government. Highlights included a $115 billion overall budget, pay raises for state employees and public safety workers, major K-12 funding increases and enrollment supplements, higher education workforce and nursing investments, expanded Medicaid/KidCare and behavioral health funding, corrections and law enforcement operational funding, transportation and housing investments, and significant environmental and water quality spending. Members asked about civic education funding, declining enrollment, professor retention, APD waiver waitlists, cultural grant allocations, and other line items. Public testimony also addressed HIV/AIDS drug assistance funding and prison air conditioning. SPB 2500 was adopted as a committee bill after amendment consideration and a roll call vote. The committee then took up implementing and related budget bills, including SPB 2502 (implementing the General Appropriations Act), SPB 2504 (state employee bargaining placeholder), SB 7028 (Florida Retirement System contribution rates and related retirement changes), SPB 2506 (fuel tax distributions), SPB 2508 (state agency law enforcement radio system surcharge), SPB 2510 (termination of an unused court trust fund), SPB 2512 (new judgeships), SPB 2514 (K-12 conforming changes), SPB 2516 (higher education conforming changes), and SPB 2518 (health conforming changes). Most were explained as technical or conforming measures tied to the budget, and all were reported favorably as committee bills, with SB 7028 amended to direct a portion of increased contributions to disability and line-of-duty death benefits in the FRS investment plan. The committee also heard and passed several member bills, including CS for SB 1074 on rounding rules for cash transactions in a world without pennies, CS for SB 678 restoring the alcohol loss deduction framework for distributors, and SB 964 on firefighter cancer benefits and prevention. SB 964 drew the most discussion, with questions about the one-year death-benefit window, the separate $25,000 cancer diagnosis payment, and whether the bill could create gaps in coverage for firefighters diagnosed or dying just outside the new time limits. Firefighter representatives testified in support, saying the bill would provide clearer protections for members and families. All of these measures were reported favorably.

Transcript Highlights:

• We also would like the committee to know that there are already protections in place in terms of state
• the unanimity of individuals protecting the unanimity of individuals that<00:37:56.480> wish<
• This established the Warehouse Worker Protection Act.
• It protects employees from quotas that would prevent compliance with meal or rest periods or the use
• certain protection act requires certain warehouse<00:40:50.240> employers<00:40:50.880> to

Bills: SB2119, SB3131, SB3069, SB3180, SB2137, SB2993, SB2778, SB2672, SB2014, SB2967

Keywords: reimbursement, public employees, travel costs, government travel policy, finance management, job title, administrative assistant, executive assistant, state personnel, civil service, modernization, employment standards, DAGS, Department of Accounting and General Services, comptroller, civil service exemption, collective bargaining exemption, public works special project branch, specialized public works, information technology modernization

Transcript Highlights:

• Members, please protect the programs we rely on.
• Members, protect North Star Promise and fund the full state grant program. Thank you. Thank you.
• Members, please<01:30:50.200> protect<01:30:50.480> the<01:30:50.560> programs<01
• please protect the programs we rely on. please protect the programs we rely on.
• > Promise<01:30:53.360> and Members, protect North Star Promise and Members, protect North

Bills: HF4252

Keywords: higher education, student aid, financial aid, grant programs, scholarships, Office of Higher Education, Minnesota State, University of Minnesota, community college, technical college, postsecondary institution, college affordability, student fees, athletic facilities, competitive athletics, developmental education, remedial courses, pregnant students, parenting students, priority registration

Bills: HF1758, HF4437, HF4353

Keywords: infertility, health insurance, fertility preservation, medical assistance, MinnesotaCare, prediction markets, sports betting, online wagering, event contracts, election betting, political betting, sportsbook, gambling regulation, lawful gambling license, Gambling Control Board, unauthorized gaming, esports betting, financial technology, payment processor, advertising restrictions

Transcript Highlights:

• . >> Next we have the Department of Agriculture and Consumer Services. Comments?
• the Department Agriculture >> Next we have the Department Agriculture and<00:13:27.840> Consumer
• and Consumer Services. and Consumer Services. Comments? Comments? Comments?
• > the<00:36:36.840> health,<00:36:37.080> safety,<00:36:37.480> or to protect
• the health, safety, or to protect the health, safety, or well-being<00:36:38.120> of<00:36:38.200

Bills: SB2319, SB2407, SB2489, SB2153, SB2321, SB2805, SB3010, SB2892, SB2595, SB2781

Keywords: agriculture, biosecurity, grant funding, food security, climate resiliency, agricultural development, Hawaii Island, property manager, agribusiness, state employment, invasive species, lease provisions, environment, food safety, farmers, local food systems, rural development, livestock, forage grasses, pest management

Transcript Highlights:

• So it's a double whammy for us, and we just want to make sure we have the protections.
• supported increasing cancer benefits for firefighters, making sure that they have the equipment to protect

Bills: S0774, S7028, S7024, S7026

Keywords: mental health, first responders, employment benefits, 911 telecommunicators, nervous injuries, retirement, elected officials, Deferred Retirement Option Program, DROP, cost-of-living adjustment, trade secret, public records exemption, public meetings exemption, open government, sunset review, agency confidentiality, proprietary business information, proprietary confidential business information, confidential records, Florida public records law

Summary: The Committee on Governmental Oversight and Accountability met and first heard Senate Bill 774, which would extend workers’ compensation medical benefits for employment-related mental or nervous injuries to 911 public safety telecommunicators, even without a physical injury. The sponsor and several dispatchers, a clinician, and communications directors testified in support, describing repeated exposure to traumatic calls, chronic understaffing, and the need for mental health treatment and retention support. Senator DiCeglie and Chair Mayfield praised dispatchers’ work, and the bill was reported favorably by committee vote, with Senator McClain later recorded as voting yes on the bill. The committee then took up SPB 7028, a retirement bill that sets Florida Retirement System employer contribution rates beginning July 1, 2026, leaves the 3% employee contribution unchanged, allows certain elected officers to receive a DROP payout under specified conditions, and provides a 1.5% alternative cost-of-living adjustment for eligible special risk retirees. Firefighters, police, sheriffs, and chiefs’ groups spoke in support, emphasizing recruitment and retention. The committee voted to submit the proposal as a committee bill and reported it favorably. Finally, the committee considered SPB 7024 and SPB 7026, both open-government-related bills. SPB 7024 would repeal the current public records and public meeting exemption for cybersecurity information and consolidate agency-specific cybersecurity exemptions into one agency-wide exemption. SPB 7026 would repeal the current public records exemption for trade secrets held by an agency and similarly consolidate specific trade secret exemptions into one agency-wide exemption. Neither bill drew testimony or debate, and both were submitted as committee bills and reported favorably. The meeting then adjourned.

Bills: SB 614, SB 872, SB 1199, SB 1212, SB 1278, SB 1573, SB 1588, SB 1602, SB 1660, SB 1704, SB 1723, SB 1833, SB 1858, SB 1946, SB 2009, SB 2146, SB 2177, SB 2373, SB 2460, SB 2785

Keywords: forensic science, capital writs, criminal justice, case review, Texas Forensic Science Commission, prisoner death, investigation, county jail, law enforcement, autopsy, trafficking, prostitution, affirmative defense, coercion, duress, victim rights, child abuse, mandatory reporting, criminal penalties, neglect

Bills: HB586, SB107, HB619, HB586, SB107, HB619

Keywords: HB586, Cullman, Cullman County, City of Cullman, annexation, municipal boundaries, corporate limits, local legislation, boundary adjustment, city limits, municipal expansion, zoning, municipal services, property tax, land use, metes and bounds, Alabama Highway 157, Judge of Probate, SSUT, simplified sellers use tax

Transcript Highlights:

• Members, Senate Bill 2102 increases transparency and improves disclosures for consumers.
• License, and so things like line sanitation, protection of water safety, and water quality are part of
• What we would call consumer protections.
• Senate Bill 592 creates a market-based solution to help protect our wholesalers.
• Consumers are misled by some websites that imply they are owning the tickets.

Bills: SB1241, SB1242, SB1442, SB1592, SB1623, SB1625, SB1913, SB1940, SB1949, SB2102, SB592, SB992

Keywords: ticket sales, resale, consumer protection, fraud, bots, transparency, refunds, event tickets, medical marijuana, cannabis, marijuana license, commercial grower, grow operation, bond requirement, land reclamation fee, revolving fund, environmental remediation, redevelopment, Oklahoma Medical Marijuana Authority, OMMA

Transcript Highlights:

• The FTC has issued consumer alerts and guidance on digital ownership.
• Federal oversight through existing consumer protection frameworks can address these issues more effectively
• I think this is a great consumer protection bill, and I think that industry does need to do more, especially
• That's what we're trying to protect here.
• We've got another mobile home tenant protection bill for you.

Bills: HB2010, HB2192, HB2199, HB2279, HB2310, HB2459, HB2501, HB2555, HB2690, HB2693

Keywords: digital goods, advertising, ownership, license, consumer protection, refund policies, streaming services, minors, content creators, online platforms, compensation, trust accounts, child protection, video content, privacy, employment, mobile homes, recreational vehicles, landlord tenant laws, tenant rights

Summary: The committee heard and acted on several bills. HB 2192, a child influencer bill, would require compensation for minors featured in monetized content to be placed in trust, allow takedown requests for content as minors become adults, and create remedies for sexualized depictions of minors. The sponsor and Google described it as a modern Coogan-trust style protection; some members raised concerns about the age-13 and age-18 provisions, but the bill received a do pass recommendation on a 9-0 vote with two present. HB 2501, an agency bill, conformed Arizona’s definition of appraisal management company to federal law and passed unanimously. HB 2693, which revises bona fide association rules to allow statewide chambers or business leagues to operate self-funded multiple employer welfare arrangements, drew support from the Chamber and small-business advocates but opposition from a coalition citing possible federal preemption; it passed as amended on an 8-1 vote. HB 2010, the digital goods disclosure bill, required clearer notice that online “purchases” may be licenses, prorated refunds if access changes, and removed some penalty language in amendment; supporters said it would reduce consumer confusion, while retailers argued federal law already covers the issue. It passed as amended 11-0. The committee also approved HB 2279, which limits liability for Grand Canyon river outfitters for inherent risks of rafting while preserving claims for gross negligence or intentional acts, despite constitutional objections from opponents; it passed 7-4. HB 2690, which tightens unemployment insurance eligibility by adding work-search and fraud cross-check requirements, was opposed by advocates who said it would add red tape and burden eligible claimants, but it passed 7-4. HB 2310, clarifying that qualified marketplace contractor agreements may be terminated unilaterally by the contractor, passed 10-0. HB 2555, requiring retail businesses to accept cash for purchases of $100 or less and banning cash fees, passed as amended 9-1 after debate over consumer access and business flexibility. Finally, HB 2199, which expands required education for RV park managers and shifts some enforcement duties to the Department of Housing, passed as amended 7-0 with three present. The committee then considered HB 2459, which would let mobile home park landlords recover actual utility charges and add an administrative fee for submetering; supporters said it would address overcharges and improve transparency, while opponents warned it could increase costs and confusion. The transcript cuts off before the final action on HB 2459.

Transcript Highlights:

• Consumers also may want to purchase a damage waiver, which is offered by rental car companies to protect
• Senate Bill 72 would provide financial security to consumers by providing them the option to purchase
• We support Senate Bill 72 because consumers and businesses... ...businesses that rent from us have asked
• Although it's simple for our customers who desire the protections of a Collision Damage Waiver for longer
• private sector in exploring investments outside their traditional opportunities in ways that may help protect

Bills: SB 21, SB21, SB72, SB140, SB262, SB370, SB372, SB495, SB627, SB703, SB764, SB842

Keywords: emergency alerts, weather alerts, public safety, local government, municipality, county, website posting, online notice, emergency management, disaster preparedness, evacuation, National Weather Service, NOAA, Texas Division of Emergency Management, TDEM, localized alerts, hazard warnings, severe weather, watch warning advisory, public information

Transcript Highlights:

• At the end of the day, I don't believe consumer protection is here yet.
• protection out there yet.
• We need encryption methods in order to be properly protected.
• We want to make sure the consumer... ultimately is protected. And with that, I'll be quiet.
• are not adequately protected against unauthorized text messaging.

Bills: SB 21, SB21, SB72, SB140, SB262, SB370, SB372, SB495, SB627, SB703, SB764, SB842

Keywords: emergency alerts, weather alerts, public safety, local government, municipality, county, website posting, online notice, emergency management, disaster preparedness, evacuation, National Weather Service, NOAA, Texas Division of Emergency Management, TDEM, localized alerts, hazard warnings, severe weather, watch warning advisory, public information

Transcript Highlights:

• Rates, and it is very challenging from the consumer standpoint.
• It's the needed investment for consumers, and for those reasons, we strongly support the bill.
• and protected, including the implementation of strong customer protection safeguards.
• promote small business and residential consumer interests in the Texas electricity markets.
• These costs can significantly impact consumers' monthly electricity bills.

Bills: SB483, SB522, SB783, SB1239, SB1254, SB1255, SB1259, SB1341, SB1664, SB1762, SB1856, SB1877, SB1977

Keywords: utility, proprietary information, customer data, data protection, electric service, customer information, emergency communication, electric utility, privacy, certification, public accountants, interstate licensing, accounting, regulatory amendment, energy efficiency, construction regulations, building codes, Texas, sustainability, cost-effectiveness

Transcript Highlights:

• service, or people who are in the fire service, they want to figure out if there's a way for them to protect
• I feel this way, but by and large, I don't think physicians see this as a protect our turf finances issue
• regulatory excellence in nursing, helping our boards understand and meet their mandate for public protection
• They license them, regulate their scope of practice, and enforce the Nurse Practice Act in order to protect
• authority agreements, I think that the TMA representatives talked about the ability to even want to protect

Bills: HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794, HB46

Keywords: peer support, first responders, mental health, confidentiality, emergency services, disclosure, next of kin, public information, deceased persons, privacy rights, patient solicitation, marketing practices, healthcare regulation, task force, deceptive advertising, nurse aide, certification, Texas Board of Nursing, healthcare workforce, nursing standards

Transcript Highlights:

• I’m with the Consumer Healthcare Products Association in Washington, DC.
• So let's protect and strengthen this essential service.
• It doesn't restrict access to care; it protects individuals in the recovery process.
• I've been a cannabis consumer for about 50 years and an activist for the last 13 years.
• One, it protects patients from the surprise fees.

Bills: HB46, HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794

Keywords: local government spending cap, expenditure limit, political subdivision, property tax, ad valorem tax, budget cap, taxpayer protection, spending restraint, inflation adjustment, population growth, voter approval, supermajority vote, county budget, municipal budget, school district finance, junior college district, hospital district, special district, attorney general enforcement, local fiscal limits