Transcript Highlights:

• I mean, I just, you know, the FTC regulating advertising for rentals sort of started at the end of last

Keywords: Virginia Housing Commission - Fees in Residential Rental Agreements Workgroup, 976, house, all

Transcript Highlights:

• We're waiting, again, on what the FTC and the FCC are going to do, and frankly, what's going to happen

Keywords: Technology and Science, Joint Commission on, 976, house, all

Transcript Highlights:

• And then, in addition, there was an FTC settlement with one of the industry's major players, and that

Summary: The House Insurance Committee met on April 29 with a quorum present and took up several insurance and health care-related bills. SB 192, a dental reimbursement bill, was amended to allow dentists to opt in electronically to credit-card payment methods and to clarify applicability and effective date; it was reported as amended. SB 84 would require prostate cancer screening coverage for men over 40 under current clinical guidelines and prohibit cost-sharing; supporters from the American Cancer Society said Louisiana has a high incidence of prostate cancer and that out-of-pocket costs deter early screening. The committee adopted amendments and reported the bill as amended. SB 275, dealing with reimbursement and network participation for certified registered nurse anesthetists, drew support from nursing and hospital groups and was reported favorably. SB 169, a cleanup bill on biomarker testing, was also amended and reported. The committee spent substantial time on SB 401, which creates a temporary prescription drug affordability board to review pricing data on selected drugs and report findings to the legislature. Supporters said the board would improve transparency and help lawmakers understand drug pricing trends; opponents raised concerns about confidentiality, market effects, and the lack of a defined policy outcome beyond reporting. Amendments narrowed the scope, added confidentiality protections, and removed opposition cards, and the bill was reported as amended. SB 387, a major PBM reform bill tied to SB 401, would change PBM compensation, rebate handling, formulary practices, audits, and appeals, while excluding ERISA plans after discussion and amendment. Supporters argued it would curb spread pricing and other practices that raise costs, while opponents from the Pelican Institute and PCMA warned it would interfere with private contracts, reduce flexibility, and could raise premiums or disrupt city, school board, and small-group plans. After extensive debate and a roll call, SB 387 was reported with amendments by a 10-4 vote. The committee also considered SB 241, which requires certain insurance adjusters and public adjusters to include license numbers in written communications. After amendments limiting the requirement to individual licenses and removing one statutory reference, the bill was reported as amended. Throughout the meeting, members and witnesses repeatedly discussed the need for transparency in drug pricing and PBM practices, the role of ERISA and non-ERISA plans, and potential impacts on public employers and consumers.

Transcript Highlights:

• And then, in addition, there was an FTC settlement with one of the industry's major players, and that

Keywords: 965, house, all

Summary: The House Insurance Committee met on April 29 with a quorum present and considered several insurance- and health care-related bills. SB 192, concerning dental reimbursement and payment methods, was amended to clarify opt-in for electronic acceptance and then reported as amended. SB 84, which expands prostate cancer screening coverage for men over 40 and bars cost-sharing, was also amended and reported as amended after testimony from the American Cancer Society supporting earlier detection and reduced out-of-pocket barriers. SB 275, dealing with reimbursement and network access for certified registered nurse anesthetists, was reported favorably with broad support from nurse anesthetists, hospitals, and related groups. SB 169, a biomarker testing cleanup bill, was amended to clarify legislative intent and reported as amended. The committee spent substantial time on two major drug-pricing bills. SB 401 would create a Prescription Drug Affordability Board to study selected prescription drug prices, collect manufacturer and related pricing data, and report findings to the legislature; amendments narrowed the scope, addressed confidentiality, and delayed implementation. Supporters said it would provide transparency similar to Texas and help lawmakers understand drug pricing, while opponents warned about government overreach and confidentiality concerns. SB 387, the companion PBM reform bill, would restrict PBM compensation to flat fees and performance bonuses, require rebate pass-throughs, limit formulary practices, expand audit and reporting requirements, and create enforcement mechanisms; it was amended to delay implementation, refine definitions, and address ERISA-related concerns. Supporters argued it would curb PBM abuses and lower drug costs, while opponents from the Pelican Institute and PCMA said it would interfere with private contracts, reduce flexibility, and could raise premiums. After a roll call vote, SB 387 was reported with amendments. The committee also took up SB 241, which requires certain insurance adjusters and appraisers to include license numbers in written communications. After amendments narrowing the requirement to individual claims and public adjusters, the bill was reported as amended. Throughout the meeting, members repeatedly raised concerns about unintended consequences, especially for cities, school boards, and other non-ERISA plans, and sponsors said they would continue working on the drug-pricing bills before floor consideration.

Transcript Highlights:

• May I just add that the FBI estimates that, and the FTC estimates, only about 15% of all fraud victims

Summary: The committee first heard a work session on cryptocurrency kiosks from the Department of Financial Institutions and Spokane City Councilmember Paul Dillon. DFI described crypto kiosks as licensed money transmission terminals that allow cash purchases of virtual currency, and said the main concern is fraud: scammers often pressure victims, especially older adults, to deposit cash into kiosks and send it to wallets controlled by organized crime. DFI cited a sharp increase in kiosk volume, nationwide fraud complaints and losses, and said Washington currently has licensing and disclosure rules but lacks transaction and fee limits. The department said it is seeking stronger disclosures, a $1,000 daily transaction limit, and a fee cap. Spokane described its unanimous ordinance banning new kiosks and removing existing ones after local scam reports, and members asked about how the machines work, whether the fraud is in the hardware or the transaction, and whether stronger warnings or screening could help. The committee then reviewed home equity sharing agreements, or CHISAs, based on a report by Mariana Amaram and testimony from DFI and industry representatives. The report found that CHISAs provide homeowners a lump sum in exchange for a share of future home value or appreciation, with no monthly payments, but that consumers often struggle to understand the products and settlement calculations. The report said the market has grown quickly in Washington, that costs can be hard to predict, and that early uncapped contracts could produce very high settlement amounts, especially during periods of rising home prices. DFI said it views these products as mortgage loans and is moving forward with rulemaking, including counseling and clearer disclosures, while industry witnesses said the products are equity-based rather than debt-based and asked for tailored regulation. Members discussed the need for better consumer education, clearer payoff schedules, and whether the products should be treated as mortgages or a separate category. The final panel focused on Washington’s space economy, with presentations from Amazon Leo, Blue Origin, Stoke Space, Space Northwest, and Green River College. Speakers highlighted major in-state investments in satellite manufacturing, launch systems, and workforce training, including Amazon Leo’s Redmond and Kirkland facilities, Blue Origin’s Kent headquarters, and Stoke Space’s Kent manufacturing and Moses Lake test site. Space Northwest presented data showing the sector’s growing economic footprint, high-wage jobs, and regional clusters in Kent and Redmond, and urged more workforce programs, incentives, infrastructure support, and a state space commission. The companies emphasized local hiring, apprenticeship and certification programs, and the role of Washington’s aerospace supply chain in supporting the broader space industry. No votes were taken during the transcript excerpt.

Transcript Highlights:

• A recent FTC report found this inherent conflict of interest led to PBMs overpaying their own pharmacies

Transcript Highlights:

• It was just FDC, or was FTC plus. Representative Blanco, you're recognized. Yeah, thank you.

Summary: The subcommittee first heard a panel on state cloud modernization efforts after canceling an LBR on the Department of Corrections’ OBIS project because the presentation materials were not submitted on time. Florida Digital Service, the Northwest Regional Data Center, and several agencies described how the state is assessing and migrating applications to cloud environments under the cloud-first policy. Northwest explained its 2023 cloud readiness assessment of 890 applications from 24 agencies, the criteria used to rate readiness and risk, and its recommendation to tackle lower-risk applications first. Agency updates covered the Department of Corrections’ modernization of 98 legacy applications tied to OBIS and cloud-native infrastructure, the Department of Elder Affairs’ Microsoft Power Platform modernization, the Department of Health’s health management and child protection systems, and FDOT’s large cloud program for transportation systems. Members repeatedly asked about costs, data ownership, disaster recovery, single sign-on, security tools, and whether cloud migration actually saves money; presenters generally said the focus is more on modernization, resilience, and efficiency than immediate savings, and that cost analyses are often application-specific rather than enterprise-wide. The discussion also covered governance and architecture questions. Florida Digital Service said agencies remain responsible for their own databases and cloud tenants, while FLDS provides advice and an enterprise architecture framework; it does not have statutory oversight over most projects, except for OBIS project oversight due to its size. Northwest said it is acting as a cloud broker for some agencies and is consolidating Azure and AWS payer tenants to seek better pricing, but agencies still make system-by-system decisions based on business needs, risk, latency, and total cost of ownership. Members raised concerns about fragmented data structures, the lack of a complete statewide application inventory, and the need for better interoperability and enterprise standards. Several agencies said disaster recovery is built into their cloud plans, and FDOT and Corrections described ongoing efforts to keep systems current through core platforms, training, and ongoing support. In the second half of the meeting, the Department of State presented two new technology requests. Secretary Byrd described the SunBiz corporate registry system as a 34-year-old platform supporting more than 3.5 million business entities and generating over $575 million in annual general revenue. He said the department had already virtualized the legacy hardware after earlier modernization efforts failed and is now seeking $800,000 recurring for password protection and $5 million nonrecurring to continue procurement for a replacement system. The department also presented the Florida Voter Registration System modernization request, noting that the current system is outdated and requires manual workarounds for some statutory changes. The department requested $2.4948 million nonrecurring and $44,000 recurring to procure a modernized FVRS solution, and staff said the feasibility study recommended a hybrid approach. Members asked about the study’s findings and about creating a database for voter eligibility information for returning citizens; the department said that would require data sharing with all 67 clerks of court and other entities such as DOC.

Transcript Highlights:

• Morgan, we would investigate, as could the OCC, the FDIC, and the FTC.

Bills: SB257

Keywords: supply chain resilience, critical supply chains, critical goods, manufacturing, domestic manufacturing, reshoring, nearshoring, supply chain security, supply chain shock, supply chain disruption, critical infrastructure, emerging technologies, semiconductors, microelectronics, artificial intelligence, quantum computing, robotics, advanced manufacturing, blockchain, cybersecurity

Transcript Highlights:

• Um, but that one they get started free, and this is a very, there's some FTC complaints against Replica
• ><00:56:00.400> very<00:56:01.040> there's<00:56:01.359> some<00:56:02.040> FTC
• this is a very there's some FTC this is a very there's some FTC complaints<00:56:03.680> against

Keywords: 1189, house, all

Transcript Highlights:

• The FTC has issued consumer alerts and guidance on digital ownership.

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:

• corporations now hold monopolies over entire sectors of employment, and with growing illegal attacks on the FTC

Keywords: 1183, house

Transcript Highlights:

• consumer complaints in Florida through the Consumer Financial Services and another 81,000 through the FTC

Summary: The subcommittee considered a long agenda of civil justice and claims measures. HB 1173, relating to the Florida Trust Code, was presented as a clarification of standing in trust litigation after recent case law; after questions about who may sue, an amendment was adopted clarifying that an expressly named charity retains standing, and the bill passed 14-2. HB 1437, on attorney’s fees in motor vehicle PIP disputes, drew testimony from insurers and reform groups opposing a return to fee-driven litigation and from medical groups supporting fee recovery for prevailing parties; it passed 17-0. CS/HB 147, addressing prohibited debt-collection communications during nighttime and early morning hours, was described as a clarification of an outdated statute in light of modern communications, with support from business groups and no opposition in the vote; it passed 18-0. The committee then heard several claims bills against the Department of Children and Families. HB 6511, for relief of L.P., described severe injuries to a child after DCF allegedly failed to act on warning signs; a technical amendment was adopted and the bill passed 18-0. HB 6515, for relief of Michael Barnett, involved DCF’s alleged failure to investigate domestic violence that preceded the killing of three children and injury of a fourth; members asked about the settlement amount and the case’s circumstances, and the bill also passed 18-0. HB 1517, expanding wrongful death law to allow parents of an unborn child to recover for the child’s death, generated the most extensive debate. The sponsor said it aligns civil law with existing criminal definitions and excludes claims against mothers and providers of lawful medical care, including IVF; opponents warned it could be used to target reproductive care, support networks, and domestic violence survivors, while supporters framed it as a justice measure for families. An amendment clarifying damages rules for minors and unborn children was adopted, and the bill passed 13-4. Finally, HB 947, on evidence of medical damages in personal injury and wrongful death cases, sought to allow broader evidence at trial and to change “shall” to “may”; supporters said it would improve fairness and transparency, while opponents argued it would weaken post-2023 tort reforms and reintroduce inflated medical damages. The amendment was adopted and the bill was then taken up with additional opposition testimony.

Transcript Highlights:

• The Federal Trade Commission, that actually the FTC, that, um, has consumer protection powers within

Keywords: 1187, senate, all

Transcript Highlights:

• ready to work with VA and this body to improve efficiency and reduce the prove tariff and restore the FTC

Keywords: veteran services, homelessness, unemployment, VA funding, mental health, congressional oversight, testimonies, American Legion, Dole Act, suicide prevention

Summary: This meeting focused on veteran services, emphasizing the urgent need to address the alarming rate of unemployment and homelessness among veterans. Numerous testimonies were presented detailing the impact of mass furloughs and cutbacks at the VA on personnel, notably veterans who were serving as employees. Various representatives expressed deep concern over how these firings could drastically affect the quality of care available to those who have served the nation. There was a strong call for Congress to bolster funding for existing programs aimed at alleviating veteran homelessness and improving overall care quality, especially in mental health services.

Transcript Highlights:

• The head of the board was sued by the FTC and on X proposed that the unvaccinated pay for their own care

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:

• As recently as January of 2024, the FTC ordered Intuit to remove ads promoting free tax preparation services
• The FTC also accused H&R Block of wiping customer data when they sought to downgrade to a cheaper version

Bills: HF2274, HF1932

Keywords: taxation, income tax, property tax, corporate tax, homestead credit, local government aid, tax credits, economic development, taxpayer assistance, tax credit outreach, tax preparation, free tax help, IRS, Department of Revenue, general fund appropriation, earned income tax credit, child tax credit, volunteer income tax assistance, VITA, low-income taxpayers

Transcript Highlights:

• It's already an FTC; it's already got the intermodal UP facility there.

Transcript Highlights:

• Senator Shaheen and colleagues' letter to the FTC in 2020 called for a formal investigation into claims

Summary: The joint informational hearing focused on the role of County Veterans Service Officers (CVSOs), CalVet’s support for them, and the growing problem of for-profit, unaccredited claims companies. Committee leaders and witnesses emphasized that CVSOs are often the first point of contact for veterans and their families, helping with disability claims, education benefits, survivor benefits, housing, health care, and other wraparound services. Testimony highlighted the return on investment from CVSO work, with witnesses citing hundreds of millions in new federal benefits secured for California veterans and arguing that current state funding is too low relative to the workload and need. County representatives from Nevada, Los Angeles, and San Luis Obispo described local models of service. Los Angeles County highlighted a “no wrong door” approach, peer navigators, suicide review work, justice-involved veteran services, and homelessness coordination, while San Luis Obispo described rural outreach, mental health partnerships, and high suicide rates in its county. Nevada County stressed that smaller counties can be disadvantaged by workload-based formulas and that additional funding would expand access, especially in rural areas. Several witnesses said veterans often need more than claims help and should be connected to mental health, employment, food, and family supports. Much of the discussion centered on predatory claims consultants, which witnesses said charge veterans for services that accredited CVSOs provide free. Members and witnesses described cases involving requests for VA and banking logins, misleading advertising, and contracts that can take a percentage of veterans’ benefits. Committee members expressed support for legislation to curb these practices and for increased funding for CVSOs, including the Legislature’s intent to fund 50% of county veterans’ services operations. A CalVet deputy secretary also testified that California’s accreditation and training system improves claim quality and appeal outcomes, and that CalVet works with CVSOs through training, district offices, and appeals representation.

Transcript Highlights:

• contact us and other operators to get those fees back that we were talking about and working with the FTC

Bills: SB383, SB1012, SB1181, SB1705, SB2075, SB2221, SB2586, SB2864, SB2994

Keywords: SB 383, ERCOT, Texas Utilities Code, interconnection, wind power facility, offshore wind, coastal wind, nearshore wind, Gulf of America, Texas coast, three marine leagues, electric grid, transmission line, distribution facility, renewable energy, battery storage, energy storage, grid access, power grid, electric service

Summary: The committee took up a long list of pending bills before moving to several bills on the day’s posting. It reported favorably SB 438, SB 512, SB 647, SB 648, SB 715, SB 758, SB 1964, SB 2121, SB 2145, SB 2167, SB 2330, SB 2349, SB 2443, SB 2629, SB 2702, SB 1495, and SB 2268, with several of those adopted from committee substitutes. Some measures were sent to the local and uncontested calendar, while others were reported to the full Senate. Votes on the pending-business bills were generally strong, though SB 715 and SB 2330 drew recorded opposition; SB 647 and SB 648 had one member present not voting because of confusion over the deed-related bills. A major discussion centered on SB 715, which would establish a reliability standard and penalties/incentives for generation resources. Senator Sparks said the committee substitute would avoid unfairly penalizing existing dispatchable generation, allow wind and solar to qualify through storage or backup power, give the PUC flexibility to set standards and phase in the program, and exempt switchable units. Critics raised concerns that it could raise consumer costs and destabilize the market, while supporters argued it would improve reliability. The committee substitute was adopted and the bill was reported out 6-4. The committee also heard testimony on SB 2330, dealing with payroll deduction for association dues, where the author said the bill would end state involvement in dues collection except for first responders covered by meet-and-confer agreements. Members questioned why teachers and other employees were treated differently, and the bill was reported out 6-5. Other notable bills included SB 2864 on building-integrated photovoltaics, SB 1012 on sale of surplus state property, SB 2221 on fraudulent UCC filings, SB 1705 regulating cryptocurrency kiosks with licensing, transaction limits, fee caps, and a 72-hour hold, SB 1181 on combative sports licensing, SB 2586 on HOA transparency, SB 2075 as a TDLR cleanup bill, and SB 383 restricting offshore wind interconnection based on impacts to shipping, wildlife, and coastal interests. Several of these were left pending after testimony, with SB 1705 drawing both law enforcement support and industry concerns over the fee caps and limits.

Transcript Highlights:

• vehicle was actually sent to the dealership, likely several days or weeks later. also run afoul of the FTC

Bills: SB264, SB542, SB924, SB1008, SB1029, SB1036, SB1057, SB1058, SB1185, SB1202, SB1358, SB1364, SB1376, SB1569, SB1664, SB1697, SJR50

Keywords: SB 264, Texas Workers' Compensation Act, group self-insurance, self-insured groups, workers' compensation, Texas Department of Insurance, commissioner of insurance, certificate of approval, guaranty fund, trust fund, wind down, dissolution, labor code, insurance regulation, employer coverage, risk pool, business and commerce, trade workforce economic development, property owners' association, water conservation