Transcript Highlights:

• Pulling straight in, trying to grab personal or otherwise protected consumer data that they would have

Bills: SB1670, SB1716, SB1521

Keywords: security breach, data breach, cybersecurity, breach notification, privacy, consumer protection, class action, civil liability, Attorney General, district attorney, financial institution, banking regulator, data security, reasonable safeguards, breach notice, Oklahoma Consumer Protection Act, artificial intelligence, AI, generative AI, chatbot

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Transcript Highlights:

• The Federal Trade Commission's latest consumer protection data spotlight shows a huge jump in losses
• bill aims to prohibit misleading caller ID practices and decrease the number of fraudulent calls consumers
• problem with these calls is that actors use spoofed or manipulated caller identification to deceive consumers

Bills: S0888, S1516, S1562

Keywords: professional services, design professionals, contracting parties, indemnification, public policy, caller identification, telecommunications, fraud prevention, STIR/SHAKEN, telecom regulations, call blocking, consumer protection, motor vehicle, franchise, dealership, distribution, licensee, successor, franchise agreement

Summary: The Commerce and Tourism Committee met with all members present and took up three bills. On Senate Bill 1562, as amended by a strike-all, Senator Trumbull explained that the measure would apply only to new vehicle brands and would limit any one dealer or dealer group to no more than one-third of statewide sales after a brand reaches 1,000 vehicles in Florida, with the stated goal of promoting competition and preventing manufacturers from concentrating sales through a single dealer. The committee adopted the amendment and then reported the bill favorably. Senator Smith later asked to be recorded in the negative on this bill, and Senator Yarbrough asked to be recorded in the affirmative on SB 1562 and SB 888. The committee then heard Senate Bill 888 by Senator Martin, which would limit professional services contracts for architects, engineers, surveyors, and landscape architects so they are liable only for their own negligence or that of those under their supervision, extend those protections from public to private contracts, void broader indemnity clauses, require a professional standard of care, and prohibit additional-insured requirements. There was no debate or opposition, and the bill was reported favorably. Finally, Senator Garcia presented Senate Bill 1516 on caller identification information, citing the volume of robocalls and fraud losses among older adults. The bill would prohibit misleading caller ID practices, require telecommunications companies to provide accurate originating number and location information, create penalties for violations, and require STIR/SHAKEN authentication or a comparable framework. Two appearance forms were filed in support from the Elder Law Section of The Florida Bar and AARP, and Senator Smith voiced support during debate. The committee reported the bill favorably. The meeting concluded with closing remarks and adjournment.

Transcript Highlights:

• It relates to the collection of consumer it incurred by certain individuals as a result of identity theft
• In current law, consumers who are victims of identity theft often face challenges when disputing fraudulent
• or rather creditors, debt collectors, or third-party debt collectors from attempting to collect a consumer
• debt from a victim of identity theft if the consumer provides a court order, and require creditors.
• similar federal law, or law in another state as a means of proving coerced debt and declaring the consumer

Bills: HB 431, HB 1522, HB 1922, HB 2467, HB 2468, HB 3228, HB 3229, HB 3306, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 4344, HB 4386, HB 4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

Transcript Highlights:

• Members, this bill relates to the confidentiality and disclosure of certain financial information of
• It relates to the collection of consumer credit incurred by certain individuals as a result of identity
• Prohibit creditors, debt collectors, or third party debt collectors from attempting to collect a consumer
• debt from a victim of identity theft if the consumer provides a court order and require creditors or
• similar federal law or law in another state as a means of proving coerced debt and declaring the consumer

Bills: HB 431, HB 1522, HB 1922, HB 2467, HB 2468, HB 3228, HB 3229, HB 3306, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 4344, HB 4386, HB 4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

Transcript Highlights:

• Members, this bill relates to the confidentiality and disclosure of certain financial information of
• It relates to the collection of consumer credit incurred by certain individuals as a result of identity
• prohibit creditors, debt collectors, or third-party debt collectors from attempting to collect a consumer
• debt from a victim of identity theft if the consumer provides a court order, and require creditors or
• debt from a victim of identity theft if the consumer provides a court order and require creditors or

Bills: HB431, HB1522, HB1922, HB2467, HB2468, HB3228, HB3229, HB3306, HB3803, HB3804, HB3805, HB3806, HB4219, HB4238, HB4344, HB4386, HB4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

Summary: The committee first took up pending business and favorably reported several House bills without opposition, including HB 11, HB 132, HB 1041, HB 1606, HB 2286, and HB 5061. Each was moved out of committee with a recommendation that it do pass and be printed, and several were also recommended for the local and uncontested calendar. The committee then heard HB 3306, which would extend existing construction-contract indemnity exceptions to electric infrastructure construction, maintenance, and vegetation management work for electric utilities and transmission and distribution utilities. The sponsor said the bill would reduce litigation and insurance costs for ratepayers, while construction industry witnesses argued it would shift liability onto subcontractors and create broad-form indemnity in a way Texas law has generally prohibited since 2011. HB 3306 was left pending. The committee also heard HB 4739, a Comptroller-requested cleanup bill to repeal an outdated Finance Code provision requiring remittance of a portion of certain delinquency charges to the state, and HB 3803, HB 3804, and HB 3806, all Department of Banking-requested cleanup bills dealing with confidentiality and supervision rules for perpetual care funds, state banks, and trust companies. Those bills were briefly explained and left pending without testimony. HB 4219, aimed at improving Public Information Act compliance by requiring timely notice when records do not exist or are being withheld, allowing complaints to the Attorney General, and imposing training and fee consequences for noncompliance, drew support from a journalist and a policy analyst and was also left pending. The committee then heard HB 4238 on coerced debt and identity theft. The sponsor explained that the committee substitute narrows the bill to court-ordered findings of identity theft/coerced debt, gives collectors seven business days to stop collection activity, and removes a section to avoid litigation over court orders. A law professor and a family violence advocate testified in strong support, describing coerced debt as a barrier for domestic violence and elder abuse survivors trying to rebuild credit and access housing, jobs, and utilities. The bill was left pending. HB 1522, which would require local governments to post meeting notices three business days in advance and make budget materials more accessible online and in physical form, also drew support, though a school business officials representative raised concerns about the timing language, proposed-budget wording, and taxpayer impact statements for school districts; the bill was left pending after discussion. Later, the committee heard additional pending bills, including a PUC background-check bill that would expand the commission’s authority to check current employees and contractors and obtain FBI criminal history information, HB 3805 updating money services business regulation, HB 431 extending HOA solar-panel protections to solar tiles, and HB 3228 and HB 3229 on wind and solar recycling financial assurance and recycler solvency. HB 3228 received support from a Sierra Club witness who said recycling and disposal plans are needed for end-of-life renewable energy equipment, and HB 3229 was described as requiring recyclers to show financial resources at 125 percent through a letter of credit or bond. These bills were heard and left pending.

Transcript Highlights:

• Members, this bill relates to the confidentiality and disclosure of certain financial information of
• It relates to the collection of consumer credit incurred by certain individuals as a result of identity
• prohibit creditors, debt collectors, or third-party debt collectors from attempting to collect a consumer
• debt from a victim of identity theft if the consumer provides a court order, and require creditors or
• debt from a victim of identity theft if the consumer provides a court order, and require creditors or

Bills: HB431, HB1522, HB1922, HB2467, HB2468, HB3228, HB3229, HB3306, HB3803, HB3804, HB3805, HB3806, HB4219, HB4238, HB4344, HB4386, HB4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

Summary: The Senate Committee on Business and Commerce met with a quorum and first took up pending business, reporting several House bills favorably to the full Senate, including HB 11, HB 132, HB 1041, HB 1606, HB 2286, and HB 5061, with some also recommended for the local and uncontested or contested calendars. The committee then heard and left pending HB 3306, which would extend construction-contract indemnity exceptions to electric infrastructure work, including construction, maintenance, and vegetation management for utilities. Supporters said it would align utility infrastructure work with public works and reduce litigation and ratepayer costs, while opponents argued it would shift liability onto subcontractors and create broad-form indemnity concerns. Members also heard HB 4739, a Comptroller-requested cleanup bill repealing an outdated Finance Code provision tied to delinquency charges on retail charge accounts, and left it pending without testimony. The committee then considered several Department of Banking cleanup bills, including HB 3803, HB 3804, and HB 3806, all left pending after brief explanations and no public opposition. HB 4219, dealing with public information requests, drew support from a journalist and a policy analyst who said it would improve transparency by requiring timely responses, notice when records do not exist, and training or fee consequences for noncompliance; it was left pending. The committee also heard HB 4238, a committee substitute addressing coerced debt and identity theft, which would bar collection of certain debts from victims who obtain a qualifying court order. A law professor and a family violence advocate supported the bill as narrow, protective relief for domestic violence and elder abuse survivors, and it was left pending. Other bills heard and left pending included HB 1522 on local government budget meeting posting and taxpayer impact disclosures, HB 4344 authorizing background checks for PUC employees and contractors, HB 3805 updating money services business regulation, HB 431 extending solar-panel HOA protections to solar tiles, HB 3228 and HB 3229 on wind and solar recycling financial assurance, and HB 1922 clarifying the accrual date for construction defect claims under right-to-repair law. The committee recessed subject to the call of the chair.

Transcript Highlights:

• broad collection of personal consumer broad collection of personal consumer data data data broad
• further empowering Minnesota consumers further empowering Minnesota consumers to<00:05:26.920>
• I'll tell you, under the Consumer Data Privacy Act, consumers do have a right to know who the companies
• > reporting We represent the consumer reporting We represent the consumer reporting industry<00
• and consumers can trust. and consumers can trust.

Bills: HF4456, HF4544, HF3698

Keywords: data broker, data brokerage, consumer privacy, personal data, data privacy, Minnesota attorney general, registration, public registry, civil penalties, enforcement, special revenue fund, privacy rights, data sales, data collection, consumer protection, chapter 325M, controller, processor, data broker registry, transparency

Transcript Highlights:

• Money can only go out of the fund to pay restitution to consumers in attorney general consumer enforcement
• how money would go into the consumer how money would go into the consumer fraud<00:07:50.560>
• general consumer enforcement attorney general consumer enforcement actions<00:08:56.320> where
• > consumer<00:09:13.839> enforcement money from the consumer enforcement money from the
• attorney general to bring consumer attorney general to bring consumer protection<00:09:22.880>

Bills: HF1392, HF2233, HF695, HF2228, HF1289

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:

• It has a lot of consumer protections and ensures that those who are doing the transaction are aware that
• I just spoke with him today, and this bill carries over all the consumer protections that we worked on

Bills: SB1623, SB2067, SB2132

Keywords: credit union, Oklahoma State Credit Union Board, membership, loans, investments, board compensation, financial regulations, financial exploitation, protected adults, financial institution, notification, temporary hold, credit card, surcharge, discounts, consumer protection, payment methods, 914, all

Transcript Highlights:

• This is becoming more and more a major issue in consumer protection. and also a national security issue
• Because of advances in technology, researchers and consumer genetics companies can extract, store, analyze
• Researchers and consumer genetic companies will likely respond to SB 315 by changing their informed consent

Bills: SB 53, SB53, SB125, SB315, SB379, SB457, SB541, SB599, SB896, SB921, SB963, SB1038, SB1084, SB1330, SB1461

Keywords: voter registration, election procedures, provisional ballot, change of address, residence requirements, mental health, court proceedings, notice requirements, legal filings, electronic documents, autologous blood donation, direct blood donation, blood bank, hospital, Health and Safety Code, physician order, preoperative blood donation, patient blood reserve, transfusion, surgery

Transcript Highlights:

• Commission, the FEC, and candidates for state office file with the State Campaign Finance and Public Disclosure
• Commission, the FEC, and candidates for state office file with the State Campaign Finance and Public Disclosure
• of the legislative members, and then it would also require that the Campaign Finance and Public Disclosure

Bills: HF1345, HF71, HF993, HF1943

Keywords: HF1345, statutory city, public utility commission, municipal utilities, city council, local government, utility governance, commission membership, staggered terms, vacancy appointment, ordinance, Minnesota Statutes 412.341, municipal ordinance, city commission, public utilities, HF71, Minnesota, public safety, peace officers, correctional officers

Bills: HB130, HB190, HB123, HB250, HB130, HB190, HB123, HB250

Keywords: HB130, Alabama Board of Licensure for Professional Geologists, Sunset Law, sunset review, licensure board, professional geologists, geology, geologist licensing, board appointments, congressional district representation, gubernatorial appointments, state boards and commissions, professional licensing, regulatory board, Alabama Code 34-41-4, environmental engineering, geotechnical engineering, mining industry, petroleum industry, geological sciences

Transcript Highlights:

• Adults and minors are withheld from public disclosure if that is happening.
• In 2019, Arizona took an important first step in protecting consumers by enacting the Kratom Consumer
• I also am a consumer of 7-OH.
• Eight percent of 7-OH consumers are veterans who use this for chronic pain and PTSD.
• My study of 1,500 7-OH consumers confirms this.

Bills: HB2028, HB2047, HB2136, HB2244, HB2364, HB2406, HB2415, HB2557, HB2573, HB2589, HB2720, HB2749, HB2825, HB2861, HB2862, HB2870, HB2970, HB4070, HB4117, HCR2004, HCR2051

Keywords: community restitution, homelessness, indigence, court assessments, monetary obligations, forcible entry, detainer, writ of restitution, criminal trespass, judgment enforcement, civil terrorism, disorderly conduct, vandalism, political activism, public order, subversion, government security, evictions, judgment satisfaction, tenant rights

Summary: The committee first heard HB 2825, which would replace criminal enforcement tools for nonpayment of fines, fees, restitution, and related obligations with a civil collection process. Supporters, including the sponsor, argued it would streamline restitution collection and reduce costly incarceration, while opponents from victims’ rights groups, judges, and prosecutors said it would weaken victims’ constitutional rights and remove effective enforcement leverage. The chair adopted an amendment requiring a summons and clarifying that victims’ constitutional remedies are preserved, and the committee passed the bill 5-2. The committee then considered HB 4070, which would bar corporations from incorporating if an officer, director, or trustee had been convicted of sex or human trafficking, and would extend civil liability to those who facilitate trafficking. Supporters framed it as a “corporate death penalty” aimed at preventing trafficking through corporate governance, while the ACLU warned the facilitation language was vague and could sweep too broadly. After adopting the chair’s amendment defining “facilitate,” the committee passed the bill 5-2. The committee also unanimously recommended confirmation of Neil McDowell to the Arizona Board of Executive Clemency after hearing his background in corrections and his plans to review cases thoroughly and efficiently. Next, HB 2720 was heard, which would raise penalties for paying or agreeing to pay for sexual conduct, add a $200 assessment for the anti-human trafficking fund, and allow certain sex-trafficking victims convicted of prostitution to seal vacated records. Supporters, including law enforcement, prosecutors, and survivor advocates, said it would deter demand and help victims; opponents argued it could still sweep in trafficking victims and lacked sufficient safeguards. The committee passed the bill 4-3. The committee also heard HB 2028, a strike-everything amendment allowing community restitution in lieu of a $20 assessment for indigent homeless defendants, and HB 2047, which would increase trespass penalties for remaining in or returning to property after an eviction writ; both were discussed but no final vote is reflected in the transcript excerpt. Additional bills were introduced and heard later in the meeting, including HB 2136, which would create new offenses for “civil terrorism” and “subversion” and increase penalties for certain highway obstruction; the ACLU opposed it as viewpoint discrimination. HB 2406 would make images and recordings of abused children and deceased minors confidential and restrict dissemination and monetization; the sponsor said it was intended to prevent re-victimization and misuse of public records, while defense-side speakers asked for clearer access for defense teams. HB 2415 would tighten regulation of kratom products and specifically target concentrated 7-OH products; testimony sharply split between supporters who described public-health risks and opponents who said prohibition would harm consumers who use it for pain or recovery. The transcript ends before any final action on those later bills is shown.

Bills: HF3694, HF3844, HF4006, HF3785, HF3849, HF4102, HF3441, HF3507, HF3562

Keywords: transportation, tow trucks, variable message signs, road safety, emergency service, optometrist, window glazing, motor vehicle regulations, medical prescriptions, transportation safety, infrastructure, construction, appropriation, state project, motorized bicycles, motorcycles, electric vehicles, transportation regulations, safety standards, dealer license

Bills: SB1246, SB1510, SB1979, SB1929, SB1930, SB1976, HCR1019, SB1459, SB1673, SB1500, SB1447, SB1646, SB2007, SB1275, SB2074

Keywords: environmental permitting, Oklahoma, Department of Environmental Quality, public participation, regulatory framework, administered applications, energy, wind energy, financial assurance, property restoration, environmental regulation, mining, blasting, residential protection, buffer zone, Department of Mines, public utilities, electric transmission lines, landowner rights, payment regulations

Bills: HB4260, HB2981, HB3695, HB2960, HB3967, HB3968, HB4339, HB4341, HB4342, HB2940, HB4295, HB4196, HB3134, HB1016

Keywords: workers' compensation, first responders, acute myocardial infarction, stroke, health presumption, emergency services, firefighters, peace officers, emergency medical technicians, open meetings, school boards, transparency, public access, education governance, HB3695, Oklahoma, motor vehicles, personal injury accident, traffic offense, DUI

Transcript Highlights:

• Recently, OPIC made a legislative recommendation to preserve consumer rights to... ...to invoke appraisal
• I appreciate all the stakeholders coming together with a policy that I think is good for Texas consumers
• Less litigation means lower costs for all of us consumers.
• The only thing I would add is that... ...on appraisals that shows, I think, consumers that it tends to
• increase the awards made to consumers.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage