Bills: HB 35, HB 138, HB 754, HB 1314, HB 1612, HB 2254, HB 2510, HB 2789, HB 3560, HB 3597, HB 4224, HB 4273, HB 4643, HB 4783

Keywords: peer support, first responders, mental health, confidentiality, emergency services, health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, healthcare, price estimates, billing requirements, consumer protection, nonemergency services, assisted living, licensing, criminal offense, personal assistance

Transcript Highlights:

• loan other than a credit card, to provide for maximum origination fees on a consumer loan or revolving
• And so what happens when these rates are not expanded is that consumers get left out.
• But to your question, how would those consumers have the benefit? The benefit is access.
• I think ultimately that's the real issue here: what choice are we giving consumers?
• Is that just direct sales of the pellets or? It's a direct sale of pellets, yes, sir.

Bills: HB489, HB545, HB555, HB583, HB670, HB672, HB797, HB814, HB913, HB952

Keywords: transfer on death, TOD, beneficiary designation, investment accounts, brokerage accounts, securities, nonprobate transfer, estate planning, succession, probate, community property, forced heirship, financial advisor, broker-dealer, custodian, transfer agent, banking, wealth transfer, inheritance, Louisiana Revised Statutes

Transcript Highlights:

• </c> part of their network, the consumer part of their network, the consumer would<00:14:48.720><c> most
• Thank you. with Office of Consumer Protection. Um, with Office of Consumer Protection.
• </c> consumer protection. Thank you. consumer protection. Thank you.
• It protects consumer service in Hawaii.
• </c><00:50:32.720><c> Uh</c> relating to consumer protection. Uh relating to consumer protection.

Bills: HB1849, HB2000, HB1753, HB1511, HB276, HB1513, HB2188, HB1876

Keywords: licensing, professional license, individual taxpayer identification number, immigration, state residency, right to repair, wheelchairs, consumer protection, repair providers, device documentation, HB1753, Hawaii Social Media Data Deletion Act, social media, account deletion, data deletion, privacy, consumer privacy, personal information, sensitive personal information, data retention

Summary: The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown. The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information. On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose. The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.

Transcript Highlights:

• The bill's requirements are enforced by the Attorney General under the Consumer Protection Act.
• Attorney General will incur the most significant costs under the bill for enforcement under the Consumer
• For the record, Megan Mulvahill, staff to the Consumer Protection and Business Committee.
• Enforcement for the bill is provided as a per se violation of the Consumer Protection Act.
• The Office of the Attorney General will incur costs to conduct enforcement of the Consumer Protection

Bills: HB1170, HB1570, HB1834

Keywords: artificial intelligence, AI, generative AI, AI-generated content, deepfake, synthetic media, content provenance, provenance data, metadata, watermarking, disclosure, transparency, consumer protection, unfair or deceptive acts, unfair competition, Washington RCW, Title 19 RCW, platform regulation, AI detection tool, media authenticity

Transcript Highlights:

• </c> employer allows them to waive a break. employer allows them to waive a break.
• </c> with 15 employers or employees or less. with 15 employers or employees or less.
• </c> employer at that time. employer at that time.
• . employers. employers.
• </c><01:13:46.600><c> opt</c> an employer If an employer doesn't opt an employer If an employer doesn't

Bills: HF4110, HF2113, HF4569, HF4414

Keywords: workplace regulations, employee rights, meal breaks, rest breaks, exemptions, paid leave, small employers, employment law, Minnesota Statutes, workforce development, HF4569, Minnesota Paid Leave Law, protected leave, seasonal employee, seasonal worker, hospitality, hospitality industry, DEED, Department of Employment and Economic Development, employer certification

Transcript Highlights:

• trying to align a specific where that came to, you know, the connection between Minnesota is not a direct

Bills: HF601, HF271, HF1101, HF979

Keywords: agriculture, depredation compensation, livestock, crop damage, elk, wolves, wildlife management, skills path program, career and technical education, CTE, dual credit, postsecondary options enrollment, apprenticeship, apprenticeship readiness, dual training, work-based learning, career pathways, skilled trades, workforce development, high school to career

Transcript Highlights:

• authority of the corporation commission under Article 9 Title 17, and they already comply with existing consumer
• This bill is a consumer protection act that cleans up. Yielded questions.

Bills: SB504, SB844, SB1209, SB1266, SB1303, SB1448, SB1496, SB1595, SB1597, SB1655, SB1679, SB1621, SB1716, SB1769, SB1827, SB1876, SB1944, SB2072, SB2084, SB2104, SB2112, SB2170, SB2180, SB2182

Keywords: SB504, marriage, child marriage, minor marriage, age of consent, minimum marriage age, underage marriage, teen marriage, parental consent, judicial approval, marriage license, Oklahoma Title 43, family law, juvenile justice, Department of Human Services, DHS custody, incestuous marriage, pregnancy exception, paternity, seduction

Transcript Highlights:

• As I read this bill, it's interesting because it's written toward a consumer.
• But if implemented, there are multiple, from my view, manufacturing and employment challenges.
• And if they're pushing to an Arizona consumer a firmware update that now bricks—the term is 'bricks'—
• without consumers understanding that they're buying products that have these vulnerabilities.
• But I don't have a direct answer.

Bills: HB2121, HB2134, HB2451, HB2700

Keywords: modification, electronic equipment, consumer rights, OEM restrictions, civil penalties, intellectual property, critical infrastructure, foreign adversaries, China, communications, security, Arizona Space Commission, strategic plan, aerospace, economic development, space industry, education, workforce training, assistive technology, disability services

Transcript Highlights:

• Consumer-owned utilities with a single customer are now also subject to CETA.
• Consumer-owned utilities with a single customer are now also subject to CETA.
• Could be significant, could be small, but we think there should be some balance directed.
• We're also concerned about general supply chain, market, and consumer impacts.
• And so those costs are being handed off to the consumer.

Bills: HB2090, HB2215, HB2245, HB2272

Keywords: nuclear energy, renewable energy, energy strategy, sustainable development, state energy policy, climate change, fuel regulations, compliance obligations, sustainability, environmental policy, consumer-owned utilities, clean energy, port districts, market customers, energy transformation, ski areas, winter sports, terminology update, recreation, regulatory changes

Transcript Highlights:

• He has a keen understanding of consumer protection, antitrust, and administrative law.
• The informing consumers about smart devices act the spy fridge at bill required disclosure of hidden
• The routers act directs the Secretary of Commerce to study national security risks posed by compromised
• The committee also should focus on protecting consumers from scams and the FTC consumers report shows
• It directs the Department of Commerce to assess the national security risk posed by consumer routers

Bills: SB244, SB28, SB289, SB323, SB389, SB414, SB428, SB433, SB582, SB613, SB759, SB792, SB841, SB843, SB97

Keywords: national security, cybersecurity, consumer technology, routers, modems, study, communication, consumer protection, smart devices, transparency, internet-connected devices, FTC enforcement, broadband, infrastructure, federal programs, internet access, accessibility, affordability, deployment, government coordination

Summary: The Senate Committee on Commerce, Science, and Transportation held an important meeting where they discussed various bills aimed at addressing pressing issues like consumer protection, technology, and environmental management. Chairman Cruz opened the meeting by emphasizing the role of subpoenas in ensuring accountability and oversight, highlighting a recent compliance from several parties following such threats. The meeting progressed to consider several bills, including the Romance Scam Prevention Act championed by Senator Blackburn, which seeks to protect vulnerable populations from online dating scams that have resulted in enormous financial losses, particularly among seniors. The committee also nominated Michael Kratios for the Office of Science and Technology Policy and Mark Medder for the Federal Trade Commission, underscoring the significance of leadership in fostering innovation and consumer protection in technology sectors.

Transcript Highlights:

• Oklahoma Senate extends to the Jones High School Longhorns football team sincere congratulations and directs
• the Oklahoma State Senate extends to Miss Oklahoma 2025 Tessa Terrell, sincere congratulations and directs
• the Oklahoma Legislature extends to the Murray State Bass Fishing Team sincere commendations and directs
• is likely that the market will lower prices to make these dental procedures more affordable for consumers

Bills: SR29, SB667, SB1466, SB1942, SB1989, SB1670, SB1716, SB1521, SB1273, SB1433, HJR1032, SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364

Keywords: Black History Month, Black Oklahomans, civil rights, Tulsa Race Massacre, Greenwood, Jim Crow, segregation, all-Black towns, Boley, Langston University, Clara Luper, NAACP Youth Council, Oklahoma Civil Rights Trail, Black history, African American history, racial justice, commemorative resolution, Black excellence, state history, heritage month

Transcript Highlights:

• Oklahoma Senate extends to the Jones High School Longhorns football team sincere congratulations and directs
• Here, congratulations and directs that this citation be presented. Senator Stanley. Thank you, Mr.
• the Oklahoma Legislature extends to the Murray State bass fishing team sincere commendations and directs
• Member, Senator Nice asked that SR-29 be brought direct to calendar.
• Procedures more affordable for consumers. The gentleman from District 1 is recognized.

Bills: SR29, SB667, SB1466, SB1942, SB1989, SB1670, SB1716, SB1521, SB1273, SB1433, HJR1032, SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364

Keywords: Black History Month, Black Oklahomans, civil rights, Tulsa Race Massacre, Greenwood, Jim Crow, segregation, all-Black towns, Boley, Langston University, Clara Luper, NAACP Youth Council, Oklahoma Civil Rights Trail, Black history, African American history, racial justice, commemorative resolution, Black excellence, state history, heritage month

Summary: The Senate convened with a quorum, opened with prayer, and then spent much of the session on recognitions and floor introductions. The chamber honored the undefeated Jones High School Longhorns football team for winning the Class 2A-I state championship, recognized Miss Oklahoma 2025 Tessa Darrell, and celebrated the Murray State College bass fishing team for winning its second consecutive national title. The Senate also adopted SR-29, a resolution recognizing February as Black History Month and highlighting Black Oklahomans’ history, civil rights contributions, and achievements; the resolution passed without opposition. The Senate then took up several bills. SB 667, requested by the Board of Chiropractic Examiners, updates chiropractic licensure language, moves to an online licensure portal, and repeals an obsolete consultant position; it passed 45-0. SB 1466 extends the sunset date for the advisory committee on midwifery to 2036; it passed 41-4 and was advanced as an emergency measure. SB 1942, dealing with dental insurance and provider pricing for services not reimbursed by insurance, prompted extended debate over free-market principles, patient costs, and insurance contract limits; it passed 40-3. SB 1989 modernizes the Oklahoma College Savings Plan by allowing contributions through digital payment platforms such as Venmo, Cash App, PayPal, Zelle, and digital wallets; it passed 44-0. The Senate also heard gallery introductions for FCCLA students, including the Bristow chapter and Adair High School students, and welcomed former Senator Judy Easton McIntyre for Black History Month events. Committee and floor announcements followed, including upcoming meetings of Business and Insurance, Administrative Rules, and Technology and Telecommunications. The chamber then adjourned until Monday, February 23, 2026, at 1:30 p.m.

Transcript Highlights:

• It addresses high-pressure language and provides additional consumer protections.
• And you were talking about direct jobs.
• And they talk about jobs, direct jobs.
• I like that because as an employer, we go to all these different platforms.
• I like that because as an employer we go to all these different platforms. as we speak.

Bills: HB207, HB267, HB300, HB464, HB618, HB853

Keywords: Louisiana Auctioneers Licensing Board, auctioneer licensing, professional licensing board, board membership, gubernatorial appointments, consumer members, public at large, Public Service Commission district, East Baton Rouge Parish, venue, domicile, licensure requirements, licensed auctioneer, occupational licensing, state board governance, Act 138, home inspectors, licensing, term limits, Louisiana State Board

Transcript Highlights:

• Pierce County Sheriff's Department emergency response in that direction.
• And, you know, it comes directly out of a direct response to a situation.
• And so we've got to show some direction and urgency here.
• And so we've got to show some direction and urgency here.
• Operations can be funded through farebox recovery and employer subsidy.

Bills: HB2604, HB2436, SB6354, SB6352

Keywords: vehicle ownership, insurance, title transfer, consumer protection, motor vehicle, oil tanker, tank vessel, restricted waters, Puget Sound, San Juan Islands, Rosario Strait, Admiralty Inlet, Discovery Island, New Dungeness, tug escort, pilotage, marine safety, spill prevention, oil transport, petroleum shipment

Transcript Highlights:

• HB 1642, relating to consumer protection. Office of Consumer Protection and Support.
• Emma Olsen for the Office of Consumer Protection. Emma Olsen for the Office of Consumer Protection.
• Office of Consumer Protection offering comments. Emma Olsen for the Office of Consumer Protection.
• Consumers are hurt. ruins a reputation. Consumers are hurt.
• </c> HB1642 relating to consumer protection. HB1642 relating to consumer protection.

Bills: HB2227, HB1775, HB1560, HB1642, HB1647, HB2003, HB1640, HB2198

Keywords: eviction, housing stability, tenant screening, court records, writ of possession, foreclosures, public sale, eligible bidders, housing, downpayment, judicial foreclosure, digital financial assets, consumer protection, financial kiosks, refunds, transaction security, HB1642, Hawaii, cryptocurrency ATM, crypto ATM

Summary: The committee on Consumer Protection and Commerce met on February 5, 2026, and heard testimony on several bills, beginning with HB 227 relating to eviction records. Supporters, including the Public First Law Center and the Office of Hawaiian Affairs, argued the bill would help people who prevail in eviction cases avoid long-term housing harm from online court records, while the Public First Law Center said keeping records off eCourt Kokua would not violate the First Amendment because the records would still be available in person. Members discussed access-to-justice concerns, and a witness said legal aid attorneys could still access the records through the attorney-only Jeff’s system and the court’s access-to-justice room. The chair also asked about precedent, and a witness cited a Hawaii Supreme Court case as supporting removal from the online database rather than sealing records entirely. The committee then took up HP 1775 relating to foreclosures, but the transcript only shows in-person opposition comments from the Hawaii State Bar Association Collection Law Section, the Hawaii Credit Union League, and the Hawaii Bankers Association. The credit union and banking groups said they had concerns about broader negative impacts on mortgage lending and other requirements, but no detailed discussion or action was captured before the committee moved on. The next measure, HB 1560 relating to consumer protection, drew support from the Office of Consumer Protection and cryptocurrency companies including Coinflip and America Digital, which said they already use wallet-pinning and other safeguards to prevent fraud. AARP Hawaii did not take a formal position but said the bill addressed a real problem, noting that Hawaii residents, especially in Kona, had lost more than $920,000 in 2024 to cryptocurrency ATM scams and arguing that stronger oversight was needed. The committee also heard HB 1642, which would ban cryptocurrency kiosks. The Office of Consumer Protection supported the ban as the best way to protect consumers from fraud, while Coinflip, Bitcoin Depot, and America Digital opposed it, arguing kiosks provide cash-based access to crypto, especially for unbanked or underbanked consumers, and that targeted regulation would be better than an outright ban. AARP Hawaii took no formal position but strongly emphasized the harm caused by scams, saying victims are often frightened into acting quickly and that kiosk transactions currently lack enough friction or intervention. Finally, HB 1647, also on consumer protection, would impose liability on host businesses that provide space for crypto kiosks. The Office of Consumer Protection warned small businesses might not understand the liability, while Coinflip, Bitcoin Depot, and America Digital opposed the bill, saying it would unfairly shift enforcement duties to host stores and could discourage businesses from hosting kiosks, effectively creating a de facto ban. No votes or final committee actions were taken in the portion of the meeting provided.

Transcript Highlights:

• The state arbitration process is rarely used, time-consuming, and difficult to navigate.
• I'm assuming it would be the patient or the consumer.
• I'm assuming it would be the patient or the consumer.
• Today, most consumers manage their auto finance accounts online.
• These claims do not provide meaningful benefits to consumers.

Bills: S0158, S0314, S0618, S0684, S0838, S0990, S1000, S1082, S1452, S1494, S1500, S1568, S1706

Keywords: pet insurance, consumer protection, insurance regulation, policy disclosure, agent training, payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, workers compensation, Florida statute, commercial insurance, insurance board, electronic signatures, vehicle titles, insurance regulations, auditing, total loss vehicles

Summary: The Banking and Insurance Committee heard and advanced a wide range of insurance, financial services, and probate bills. Early in the meeting, SB 1000 on trust fund interest for attorney trust accounts was explained as setting a floor and ceiling tied to the Wall Street Journal prime rate and was reported favorably. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program for emergency out-of-network claims. After extensive discussion about the relationship between the state and federal No Surprises Act processes, an amendment was withdrawn due to concerns about clarity and scope, but the bill itself was supported by providers and insurers and was reported favorably. The committee also approved SB 684 on electronic signatures for total loss vehicles and vessels, CS/SB 158 on pet insurance consumer disclosures and agent education, SB 1494 expanding breast cancer screening coverage, CS/SB 314 on digital assets and stablecoin issuers, and CS/SB 1500 on uncontested probate procedures and small-estate administration. SB 618 on workers’ compensation insurance was amended to raise the consent-to-rate cap for workers’ compensation policies from 10% to 20% and then reported favorably, with supporters saying it would help keep higher-risk employers in the voluntary market. CS/SB 1568 creating a Florida Stablecoin Pilot Program was amended to remove authority for a Florida coin and limit the program to existing stablecoins, then passed. Later, the committee approved CS/SB 838 on electronic payment convenience fees for retail installment contracts, with the sponsor emphasizing that a fee-free payment option must still be offered. SB 1452, the Department of Financial Services agency bill, was amended and reported favorably; it covered My Safe Florida Home administration, insurance and licensing changes, unclaimed property updates, and other DFS-related provisions. The committee also passed SB 1706 on the My Safe Florida Condominium Pilot Program, targeting owner-occupied condominiums at or below 80% of area median income, and SB 990 on protected cell captive insurance companies, which supporters said would modernize Florida’s captive insurance laws and encourage more competition. The meeting ended with all listed bills reported favorably and the committee adjourned.

Transcript Highlights:

• an employer has knowingly employed an unauthorized alien without verifying the employment eligibility
• We are still giving employers lots of chances.
• I get that this bill is not as harsh on employers.
• These are specifically focused on consumer protections.
• She added that states have a responsibility for consumer protection, employment practices, housing, and

Bills: S0214, S0482, S7030, S0554, S0994, S0998, S1004, S1074, S1076, S1266

Keywords: special districts, funding, financial assistance, rural community, state agency, economic development, artificial intelligence, personal data protection, consumer rights, chatbot, deceptive practices, government contracts, public records, consumer protection, data privacy, investigations, proprietary information, chatbots, Florida statutes, nonprofit

Summary: The Committee on Commerce and Tourism heard and advanced several bills focused on economic development, consumer protection, workforce issues, and technology. SB 1076 would raise Florida’s research and development tax credit cap from $9 million to $50 million beginning with the 2027 allocation, and it was reported favorably. SB 1266, as amended, creates a cybersecurity experiential internship and clearance-readiness program with Cyber Florida and was also reported favorably. SB 554, a Florida Bar-backed update to the not-for-profit corporations statute, was approved without opposition. SB 1004, aimed at protecting buyers of dogs and cats from deceptive sales practices and predatory financing at retail pet stores, received supportive testimony from animal welfare advocates and was reported favorably. SB 1074, which sets rounding rules for cash transactions if pennies are unavailable, also passed favorably. The committee also considered SB 998, the Department of Commerce package, which combines updates to the Small Cities CDBG program, clarification of rural community eligibility, an exemption from a reverter clause for military-related land conveyances, and revisions to E-Verify enforcement. The E-Verify portion drew the most debate, with questions about employer cure periods, treatment of current investigations, and whether the bill creates a loophole for independent contractors. Senator Smith opposed the bill, arguing it creates unequal enforcement between employers and immigrant workers, while Senator Wright supported the military-related provisions. SB 998 was reported favorably on a divided vote. SB 214, which expands the rural community definition to include special districts in rural counties, was reported favorably. The committee then took up SB 482, an artificial intelligence consumer-protection bill that creates an “AI bill of rights” covering companion chatbots, parental controls for minors, data privacy, de-identified data, unauthorized use of likeness, and enforcement by the Attorney General, with a limited private cause of action for minors. The bill drew extensive testimony both in support and in opposition, including concerns about privacy, age verification, and enforcement, but it was reported favorably. Finally, the committee approved SPB 7030, a public-records exemption tied to Department of Legal Affairs investigations under the AI bill, and adjourned after members requested to be recorded on certain votes.

Transcript Highlights:

• I also want to increase consumer confidence.
• And especially big tech by consumers.
• Even just the threat of a lawsuit and, consumers were enrichingly to use individuals.
• We'd like to see AG enforcement through the Consumer Protection Act included.
• plaintiffs to meet the threshold provisions of the Consumer Protection Act for harm.

Bills: HB1170, HB2157, HB2225

Keywords: artificial intelligence, AI, generative AI, AI-generated content, deepfake, synthetic media, content provenance, provenance data, metadata, watermarking, disclosure, transparency, consumer protection, unfair or deceptive acts, unfair competition, Washington RCW, Title 19 RCW, platform regulation, AI detection tool, media authenticity

Transcript Highlights:

• The bankers came back and provided some direction as to how to define these terms and what is already

Bills: HF1224, HF1615, HF2403

Keywords: foreclosure, mortgage postponement, homeowners, redemption period, Minnesota Statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance

Transcript Highlights:

• subjectivity of some of the terms in these provisions, and so the bankers came back and provided some direction
• subjectivity of some of the terms in these provisions, and so the bankers came back and provided some direction

Bills: HF1224, HF1615, HF2403

Keywords: foreclosure, mortgage postponement, homeowners, redemption period, Minnesota Statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance