Transcript Highlights:

• All along, keep in mind the highly sensitive nature of a lot of these. transactions.
• If somebody participates in that by closing the transaction to a covered ...
• The end result will be the closings of these transactions will be delayed.
• How do you, as somebody who closes those transactions, what are you, what must you be giving?
• with critical technology. and only two notices that were related to real estate transactions.

Bills: HB256 , HB1308 , HB1554 , HB1743 , HB2308 , HB2351 , HB2858 , HB3676 , HB3784 , HB4312 , HB4552 , HB4823 , HB4852 , HB5007 , HB5010 , HB5520 , HB5524 , HCR19 , HB256 , HCR19

Committee: House State Affairs

Keywords: E-verify, employment verification, illegal employment, state contracts, government entities, license suspension, immigration compliance, state grant funding, E-Verify, compliance, penalties, immigration, government contracts, employee status, state contractors, E-verify program, legally present, employment practices, legal services, public money

Transcript Highlights:

• They not only hijack trucks and rob rail cars, but they exploit vulnerabilities in online transactions
• Are there individual criminal agents who will visit people in person and make these transactions?
• So, for the record, right, do any of our other witnesses have any visibility into how those transactions
• And you thought those overlap of facts looked suspicious, right? Yes, sir. Yes, we did, Senator.

Committees: Senate Commerce, Science, and Transportation Committee , Senate Subcommittee on Surface Transportation, Freight, Pipelines, and Safety

Keywords: Committee, Transportation, aviation safety, confirmation, Lieutenant Commander, Deputy Secretary, Bradbury, Hafensteiner, aircraft incidents

Summary: The Senate Committee on Commerce, Science, and Transportation convened to consider the promotion of Coast Guard Lieutenant Samuel Hafensteiner to Lieutenant Commander and the nomination of Stephen Bradbury as Deputy Secretary of Transportation. The meeting highlighted ongoing concerns regarding aviation safety, especially in light of recent aircraft incidents. Members discussed the critical need for knowledgeable leadership within the Department of Transportation to address these safety challenges effectively. Mr. Bradbury's background as a former General Counsel of the Department was presented as a strong asset for the role he seeks.

Transcript Highlights:

• Other surveillance tools secretly monitor body movements using gait recognition, flagging suspicious
• individuals, whether customers or employees, based simply on how they walk. ...flagging suspicious individuals
• Powered with algorithmic real-time loss detection, this tool flags suspicious individuals and their mannerisms
• employers who are regulated by the federal government about having to track certain financial transactions

Summary: The committee heard a series of labor-related bills, with most measures focused on worker training, privacy, wages, and safety. AB 296 would require schools or districts to host apprenticeship fairs at least once a year, with flexibility on how they are run and whether programs outside the county can participate. Supporters said it would help connect students to skilled trades and address workforce shortages; school administrators opposed the bill as an unfunded mandate that could be impractical for elementary schools. The bill was later moved on call, with the committee noting it could not vote until quorum was established. AB 1221 and AB 1331 both addressed workplace surveillance. AB 1221 would restrict invasive monitoring tools, require notice to workers, limit the use and sharing of worker data, and require human review before discipline based on surveillance outputs. Labor groups supported the bill as a response to AI-driven monitoring, while business groups raised concerns about broad definitions, security cameras, investigations, and data-access provisions. AB 1331 focused more narrowly on privacy in off-duty and private spaces, limiting surveillance in places like restrooms, break areas, vehicles, and homes; hospitals and business groups opposed it as too broad and potentially disruptive to safety, cybersecurity, and facility monitoring. Both bills were advanced by committee vote. The committee also heard AB 1181, which would require firefighter turnout gear to be free of cancer-causing chemicals such as PFAS by 2027, and AB 1198, which would require prevailing wage rates on public works to reflect the wage in effect when the work is performed rather than when the project was first advertised. Firefighter representatives strongly supported AB 1181, while the chemical industry asked to continue working on scope and timelines. AB 1198 drew support from labor and contractor groups but opposition from local governments and housing groups concerned about mid-project cost increases; it was passed to Appropriations after a roll-call vote. Other measures approved included AB 1235 on skilled-and-trained workers for CSU construction, AB 1251 on ghost job postings, AB 552 on locating the Agricultural Labor Relations Board office outside Sacramento, AB 1110 on updating Cal/OSHA workplace posters, AB 1136 on expanding high road training partnerships, and AB 1234 on wage claim enforcement. AB 692, which would ban employer debt agreements that require workers to repay training or other costs if they leave a job, drew strong support from nurses and labor advocates and opposition from business and health care groups; it was also passed on a roll-call vote.

Transcript Highlights:

• prevents unexpected financial burdens on homebuyers, and ensures... fairness in the real estate transaction
• investigation and certification of cause and manner of death of all sudden, unexpected, violent, suspicious
• by insurers, promotes transparency, and reduces opportunities for delays or abuse in the annuity transaction

Bills: HB2 , HB6 , HB18 , HB43 , HB138 , HB180 , HB300 , HB581 , HB647 , HB748 , HB762 , HB 1240 , HB1393 , HB1397 , HB1584 , HB1734 , HB2011 , HB2254 , HB2286 , HB2434 , HB2467 , HB2468 , HB2495 , HB2516 , HB2518 , HB2529 , HB2564 , HB2712 , HB2713 , HB2715 , HB2765 , HB2898 , HB3146 , HB3161 , HB3348 , HB3800 , HB4044 , HB4341 , HB4370 , HB4384 , HB4386 , HB4396 , HB4490 , HB4809 , HB5057 , HB5323 , HB5534 , HB5668 , SB203 , SB317 , SB719 , SB731 , SB801 , SB867 , SB1071 , SB1232 , SB1798 , SB2082 , SB2363 , SB2603 , SB2607 , SB2717 , SB2797 , SB2841 , SB2919 , SB3038 , SJR5 , SB4 , SB9 , SB21 , SB23 , SB27 , SB34 , SB40 , SB75 , SB213 , SB458 , SB482 , SB493 , SB647 , SB648 , SB840 , SB841 , SB843 , SB912 , SB1241 , SB1253 , SB1350 , SB1388 , SB1423 , SB1535 , SB1559 , SB1709 , SB1789 , SB1951 , SB2037 , SB2143 , SB2155 , SB2544 , SB1 , SB17 , SB260 , SB509 , SB1506 , SB1637 , SB1833 , SB2308 , HB2525 , HJR133 , HB1393 , HB26 , HB388 , HB2712 , HB1633 , HB685 , HB2286 , HB1606 , HB1458 , HB 1240 , HB2791 , HB3146 , HB1397 , HB2061 , HB647 , HB4738 , HB2563 , HB 128 , HB581 , HB766 , HB2259 , HB2358 , HB4384 , HB748 , HB1734 , HB5180 , HB3806 , HB3804 , HB3803 , HB1522 , HB3597 , HB1612 , HB4224 , HB1314 , HB 1237 , HB3126 , HB2856 , HB3114 , HB3505 , HB5652 , HB2025 , HB3395 , HB2495 , HB18 , HB2516 , HB2713 , HB24 , HB519 , HB609 , HB1592 , HB3348 , HB 120 , HB6 , HB1533 , HB2421 , HB2273 , HB2464 , HB2011 , HB5057 , HB5084 , HB5534 , HB5668 , HB3424 , HB2715 , HB2564 , HB2765 , HB2898 , HB3800 , HB4396 , HB4341 , HB43 , HB5686 , HB2467 , HB2468 , HB2518 , HB4310 , HB4386 , HB4490 , HB180 , HB5323 , HB2 , HB149 , HB4945 , HB2434 , HB2529 , HB3161 , HB3745 , HB4044 , HB5155 , HB5667 , HB4996 , HB2697 , HB2492 , HB2355 , HB2282 , HB2001 , HB1902 , HB1866 , HB1445 , HB1443 , HB 1306 , HB 1024 , HB908 , HB305 , HB285 , HB449 , HB171 , HB47 , HB3464 , HB2637 , HB4263 , HB5436 , HB4429 , HB3986 , HB3966 , HB3510 , HB2560 , HB2026 , HB2688 , HB4076 , HB5246 , HB3487 , HB3486 , HB4226 , HB216 , HB742 , HB2402 , HB143 , HB5033 , HB4413 , HB4042 , HB2440 , HB4426 , HB49 , HB4112 , HB3233 , HB2310 , HB5515 , HB3627 , HB2674 , HB322 , HB1481 , HB 126 , HB3062 , HB3421 , HB3180 , HB2530 , HB2524 , HB1916 , HB3153 , HB5650 , HB4894 , HB3120 , HB1629 , HB 103 , HB3234 , HB3680 , HB5698 , HB3171 , HB5693 , HB2694 , HB5664 , HB3732 , HB2508 , HB2293 , HB1991 , HB2014 , HB5331 , HB5247 , HB4751 , HB4690 , HB4668 , HB4464 , HB4395 , HB4063 , HB3833 , HB3623 , HB3214 , HB3512 , HB3250 , HB3016 , HB2520 , HB2221 , HB2213 , HB3824 , HB2067 , HB1732 , HB1562 , HB700 , HB1545 , HB252 , HB146 , HB5596 , HB1851 , HB3619 , HB3071 , HB3556 , HB851 , HB4230 , HB5320 , HB5651 , HB5670 , HB5665 , HB5437 , HB5679 , HB5699 , HB5661 , HB5662 , HB5654 , HB5672 , HB5656 , HCR141 , HCR118 , HCR127 , HCR40 , SJR36 , SJR50 , SJR63 , SCR12 , SCR39 , SB2023 , SB62 , SB666 , SB847 , SB284 , SB854 , SB810 , SB1505 , SB583 , SB507 , SB1434 , SB1772 , SB2016 , SB1122 , SB731 , SB397 , SB508 , SB1436 , SB287 , SB1882 , SB393 , SB1791 , SB209 , SB2429 , SB1085 , SB1975 , SB2717 , SB1262 , SB636 , SB2056 , SB884 , SB1200 , SB1845 , SB2458 , SB801 , SB3014 , SB3013 , SB758 , SB2797 , SB2076 , SB2876 , SB1640 , SB1449 , SB1181 , SB1234 , SB2926 , SB2841 , SB1528 , SB1854 , SB317 , SB1250 , SB2082 , SB1237 , SB2819 , SB629 , SB2608 , SB1602 , SB2009 , SB867 , SB640 , SB1698 , SB2680 , SB913 , SB1071 , SB1086 , SB1087 , SB1483 , SB1444 , SB1553 , SB1556 , SB1703 , SB2133 , SB2297 , SB2298 , SB2622 , SB2955 , SB2334 , SB1367 , SB2044 , SB2363 , SB2565 , SB1888 , SB3036 , SB3057 , SB3043 , SB3063 , SB3035 , SB203 , SB2688 , SB2522 , SB2459 , SB2655 , SB2251 , SB1884 , SB2928 , SB2566 , SB1749 , SB2549 , SB2553 , SB2919 , SB1944 , SB1232 , SB1798 , SB2603 , SB2607 , SB2683 , SB1319 , SB3038 , SB3045 , SB1538 , SB3071 , SB3065 , SB823 , SB3062 , SB3074 , SB1380 , HB6 , HB581 , HB1393 , HB1734 , HB2286 , HB2467 , HB2468 , HB2495 , HB2529 , HB2564 , HB2765 , HB2898 , HB3146 , HB3348 , HB3800 , HB4341 , HB4386 , HB4490 , HB5057 , HB5323 , HB5534 , HB5668 , HB2 , HB2715 , SR530 , SR552 , SB482 , SB493 , SB841 , SB912 , SB1241 , SB1350 , SB1388 , SB1559 , SB1951 , SB2143 , SB2155 , HB205 , HB220 , HB561 , HB2078 , HB2300 , HB2652 , HB3335 , HB3441 , HB4212 , HB4879 , HB5228 , HB5616 , HB205 , HB220 , HB561 , HB2078 , HB2300 , HB2652 , HB3335 , HB3441 , HB4212 , HB4879 , HB5228 , HB5616

Transcript Highlights:

• not present transactions, small businesses pay an even higher rate of 2.99% plus 0.49% transaction fees
• It was going to be a $500 transaction.
• So in cases, I don’t pay a per-transaction fee, but some people pay per-transaction fees.
• Now, stock transactions are mostly free.
• But having the transaction-level data would at least enable businesses to make decisions, if ...transaction-level

Summary: The commission met to continue studying credit card payments, interchange fees, fraud, chargebacks, and the impact of card processing costs on small businesses, especially restaurants and retailers. Members heard extensive testimony from credit unions, retailers, restaurant owners, payment-industry representatives, and an airline trade group. Supporters of reform argued that swipe fees are a major and rising expense, that businesses are paying fees on sales tax and tips that are merely pass-through amounts, and that merchants have little negotiating power. Several restaurant and retail witnesses described thin margins, higher costs for card-not-present transactions, and chargebacks that they said usually favor cardholders and leave merchants absorbing losses and fees. Witnesses from the Cooperative Credit Union Association cautioned that state-level interchange regulation could reduce revenue used for fraud prevention, compliance, and member services, and could lead to higher rates or reduced access. Retail and restaurant representatives countered that fees have risen sharply, that statements are difficult to decipher, and that rewards programs and card-network pricing are subsidized by merchants and ultimately by all consumers. The Massachusetts Restaurant Association and independent operators urged legislation to bar fees on tax and tip portions of transactions and to allow businesses to pass along card fees if they choose, saying this would improve transparency and fairness and help keep small restaurants open. Other testimony came from the National Restaurant Association, which supported interchange reform and said modern point-of-sale systems can already separate tax and tip amounts, and from a payments-industry group that emphasized the broader economic benefits of digital payments and warned against state-by-state rules. Airlines for America opposed changes that could undermine airline credit card rewards programs. Commission members asked detailed questions about fee structures, card types, chargebacks, POS systems, and whether consumers paying cash are also affected. No votes or formal actions were taken at the meeting.

Transcript Highlights:

• AB 1053 relating to the feasibility of linking debit card transactions with the bullion and the Texas
• ways and means HB 1110 by Shaheen relating to limitation on civil suits against persons reporting suspicious

Transcript Highlights:

• 36, Article 1 of the Arizona Revised Statutes by adding Section 44-781.01, relating to firearm transactions
• Chapter 36, Article 1, Arizona Revised Statutes, by adding Section 44-78-53 relating to firearm transactions
• prohibiting the classification of gun sales, we would really eliminate a tool that can be used to flag suspicious
• a result, actually banks issuing those cards are in a unique position to observe and flag these suspicious
• It will stop possible purchases and transactions that are structured to evade mandatory requirements.

Bills: SB378 , SB540 , SB1061 , SB1475 , SB1531 , SB1534 , SB1684 , SB1824 , SB1826 , SB2049

Committee: House Commerce & Economic Development Oversight

Keywords: bail bondsman, bondsman license, multicounty agent bondsman, surety bondsman, Insurance Commissioner, bail bond regulation, bond deposit, forfeiture, deposit ratio, writing capacity, license transfer, power of attorney, surety bond, bail industry, Oklahoma insurance law, financial solvency, administrative action, dentist, dental hygienist, dentistry

Transcript Highlights:

• The Swedish rounding applies to the final total transaction amount of cash after taxes, fees, and other
• Senate Bill 1108 provides a practical, uniform framework for how cash transactions may be rounded when
• Senate Bill 1108 provides a practical uniform framework for how cash transactions may be rounded when
• I'm not able. for how cash transactions may be rounded when exact change is unavailable while ensuring
• It strengthens ID verification, improves notification systems so owners can be alerted to suspicious

Bills: SB1108 , SB1205 , SB1241 , SB1286 , SB1366 , SB1431 , SB1473 , SB1477 , SB1478 , SB1479 , SB1492 , SB1517 , SB1563 , SB1586 , SB1665 , SB1671

Committee: Senate Regulatory Affairs and Government Efficiency

Keywords: cash transactions, mandatory rounding, swedish rounding, public notice, Arizona Revised Statutes, motor vehicle booting, private property, fees, dispute process, regulations, SB1241, private permitting provider, private permit, private certificate of completion, building permit, building plan review, inspection, single-trade residential construction, residential construction, municipal permitting

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

Committee: Senate Business & Commerce

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

Summary: The Senate Business and Commerce Committee met with a quorum and first took up pending business, voting out several bills. Senate Bills 1697, 1569, 1202 as substituted, 1029, 1364, 1185, 924, 1008 as substituted, 264, 1376, and 1358 as substituted were reported favorably, with some sent to the local and uncontested calendar. The committee also adopted a substitute for SB 1202 and later corrected votes on several measures. SB 924 and SB 1376 drew some opposition, while the rest of the pending bills were reported without dissent or with limited nays. The committee then heard testimony on SB 1856, which would create an annual capacity-cost recovery rider for Entergy Texas customers in the MISO region. The author and Entergy argued the bill would better match rates to actual capacity costs and improve transparency, while the Texas Association of Manufacturers and the Public Utility Commission raised concerns about the short 10-day review period, rider proliferation, and the preference for full rate cases over piecemeal adjustments. The bill was left pending. The committee also heard and left pending SB 522 on CPA reciprocity, SB 1664 requiring TDUs to provide clearer, standalone rate-change disclosures, SB 1877 expanding OPUC’s access to market data, SB 1254 and SB 1255 as TDLR cleanup bills on professional employer organizations and mold assessors, SB 1341 updating manufactured housing rules, SB 1239 on sovereign debt and Texas governing law, and SB 1259 streamlining the surveyor-in-training licensing process. Additional bills discussed included SB 1977, which would cap recoverable legal expenses in electric, water, and sewer rate cases; OPUC and some consumer advocates supported the idea as a way to reduce ratepayer costs, while utility representatives warned it could discourage participation and increase rate shock. The committee also heard SB 1762 clarifying that geothermal energy conservation wells are not battery resources, and SB 783 allowing SECO to proceed with future energy-code rulemaking for state-funded buildings. Both drew supportive testimony from industry and environmental groups. All remaining bills heard during the meeting were left pending, and the committee recessed subject to the call of the chair.

Transcript Highlights:

• CAREER I AM A TEAM LEADER OF A REAL ESTATE TEAM THAT LAST YEAR DID APPROXIMATELY 70 SOMETHING TRANSACTIONS
• DAD GOT SUSPICIOUS.
• ALPHONSO, I JUST GOT INTO THE REPORTING OF TRANSACTION AND INVENTORY.
• ARE STAYING FOR 200 OR 300 DAYS ON THE MARKET AND THEY'RE STILL THERE WHERE AN AVERAGE TIME FOR TRANSACTION
• IT WASN'T LIKE IT WAS IN A VACUUM AND THERE WERE NO TRANSACTION HAPPENING.

Transcript Highlights:

• Or challenge something that could be a suspicious type of representation, right?
• Or challenge something that could be a suspicious type of representation, right?
• It empowers voters, and them alone, to choose whether to authorize a local transactions and use tax dedicated
• AB 2484 clarifies that voters may propose and approve a local transaction and use tax of up to 0.5% dedicated

Committee: House Elections

Transcript Highlights:

• was a strong feeling in every committee that there be transparency in all of those actions and transactions
• </c><01:17:26.880><c> So,</c><01:17:27.120><c> I</c><01:17:27.360><c> I</c> those actions and transactions
• So, I I those actions and transactions.
• Well, at that point the victim got really suspicious, and so they started making inquiries and set up
• and so uh they started making suspicious and so uh they started making um<01:20:38.840><c> inquiries

Bills: HF2048 , HF2360 , HF2006 , HF950 , HF912 , HF3140 , HF2931

Committee: Senate Taxes

Keywords: individual income tax, retirement contributions, tax corrections, annuity contracts, tax year attribution, tax credit, economic development, community investment, data disclosure, Minnesota regulations, tax increment financing, municipal authority, job creation, transferred increment, public hearing, nonresident employees, income tax exemption, Minnesota taxation, employment duties, tax withholding

Transcript Highlights:

• finer point on what former FBI agent Mike German just said, the main products of fusion centers are suspicious
• Another one: 'Suspicious photography of Folsom Dam by Chinese nationals.'
• Another one: 'Suspicious photography of Folsom Dam by Chinese nationals.'
• Another tenant who qualifies for a market-rate transaction was provided with an appraisal by Caltrans

Summary: The committee met as a subcommittee for much of the hearing because it initially lacked a quorum, then later established one and began taking votes. The state auditor gave a status update on ongoing audits, including several JALAC-requested audits in progress, other statutory audits, staffing growth in his office, and the number of new JALAC audits his office could start in the coming months. The committee also heard that one audit request on Prop. 28 was held, and another PUC-related request was moved off consent and heard on the regular calendar. Members then heard and discussed several audit requests. Senator Cervantes presented a request to audit California fusion centers, with witnesses from the FBI and ACLU supporting the need for transparency and oversight; opponents argued the request was politically motivated and could interfere with counterterrorism work. Senator Allen presented a request on CPUC enforcement of Rule 21 interconnection timelines for solar and storage projects, supported by industry and school representatives who described long delays and financial harm, while CPUC staff said the issue was being addressed through workshops and a formal proceeding. Senator Perez presented a request to audit Caltrans’ administration of the former SR 710 extension properties and affordable sales program, citing tenant complaints about maintenance, pricing, and transparency; Caltrans said it was working to complete sales and improve administration. Senator Umberg presented a request to audit the Orange County Board of Education over transparency, contracting, litigation spending, charter oversight, and whistleblower issues, while board representatives said there was no factual basis for an audit and that existing legal remedies had not been invoked. After quorum was established, the committee approved the consent-calendar DMV license revocation audit and then approved the PUC utility timeliness audit and the Caltrans SR 710 audit. The fusion center audit was left on call after a split vote, and the Orange County Board of Education audit continued with testimony from the board’s representatives after the committee had already moved on to other business.

Transcript Highlights:

• There are no state rules requiring gun stores to secure their inventory, track suspicious sales, or flag
• now, New Mexico has no state rules requiring these gun stores to secure their inventory, track suspicious
• now, New Mexico has no state rules requiring these gun stores to secure their inventory, track suspicious
• wanted to render the Second Amendment meaningless in this state, I would first ban all private transactions

Bills: SB3 , HB70 , HB49 , HB60 , HB151 , HB164 , SB17 , SB35 , SB164

Committee: Senate House Judiciary

Summary: The committee first took up Senate Bill 35, which would create one additional judgeship in the First Judicial District. Senator Trujillo and Chief Judge Bichai explained that the position had been approved through the judiciary’s unified budget process based on caseload and weighted-caseload needs. Members asked about how the new judge would be appointed, election timing, and courthouse space; the judge said the district would make room temporarily and that technology had helped with courtroom efficiency. One member of the public testified in opposition, alleging questionable case-assignment practices in the district court. The committee then voted do pass on SB 35 to the Finance Committee without objection. The committee then heard Senate Bill 17, the Stop Illegal Gun Trade Act, with extensive testimony on both sides. Supporters, including the sponsors, gun-violence survivors, prosecutors, law enforcement, city representatives, educators, and advocacy groups, argued that the bill would address a retail-to-criminal pipeline by requiring gun dealers to secure inventory, train employees, track sales, report suspicious activity, and restrict future sales of certain military-style firearms and large-capacity magazines. They cited gun violence statistics, local homicides, and the impact on children and schools. Opponents, including NRA and industry representatives, sheriffs, ranchers, dealers, and other citizens, argued the bill would violate the Second, Fourth, and Fifth Amendments, create a de facto registry, impose costly burdens on lawful businesses, and fail to stop criminals. Several opponents also raised concerns about litigation costs and the effect on rural gun owners. Committee members then questioned the sponsors and debated the bill’s definitions, recordkeeping, confidentiality, and dealer requirements. Senator Duhigg offered and the committee adopted several amendments, including removing narrow loss-language tied to fire/theft/flood, changing backup timing language back to the federal standard, and revising the confidentiality/IPRA language to protect names and personal identifying information of transferees. The sponsors said the bill was intended to align with or build on federal standards in some areas while adding state-level dealer oversight. The chair allowed extended amendment discussion and indicated the committee would continue working through the substitute bill.

Transcript Highlights:

• value plus nine cents per transaction on both debit cards... ...transaction value plus $0.09 per transaction
• transactions, small businesses pay an even higher rate of 2.99% plus 0.49% transaction fees on both
• They differ by specific transaction.
• That isn't good enough to protect me from fraud on an online transaction or a card-not-present transaction
• So in cases, I don't pay a per-transaction fee, but some people pay per-transaction fees.

Summary: The commission met for its second hearing to study the future of credit card payments and sales transactions and their impacts on small businesses. Members heard extensive testimony from credit unions, retailers, restaurants, and payment-industry representatives on interchange fees, processing fees, fraud, chargebacks, rewards programs, and the ability of businesses to pass fees on to customers. Several witnesses argued that swipe fees have risen sharply, are especially burdensome for restaurants and other small businesses, and are charged on taxes and tips that are merely pass-through amounts. They urged state action to prohibit fees on tax and tip portions, improve transparency, and allow surcharging or convenience fees, while opponents warned that state regulation could reduce fraud protections, increase compliance costs, and threaten consumer rewards programs. Business owners and trade groups described thin margins, rising costs, and the difficulty of understanding merchant statements or negotiating with processors. Restaurant witnesses said card-not-present and online transactions create the greatest fraud and chargeback risk, with money often removed immediately from merchants’ accounts and disputes rarely resolved in their favor. Retail witnesses gave examples of rising effective rates, higher fees on rewards cards, and the burden of processing fees on low-value transactions. A representative from the Massachusetts Restaurant Association and others said restaurants are effectively paying fees on meals tax and gratuities, which they argued should not be subject to interchange charges. On the other side, the Cooperative Credit Union Association said interchange revenue helps credit unions fund fraud prevention, rapid card replacement, and member protections, and warned that state limits on interchange could weaken those safeguards and lead to higher consumer costs or reduced services. Airlines for America testified that airline credit card rewards are popular, support travel and jobs in Massachusetts, and could be harmed by interchange reform. The National Restaurant Association and a payments-policy attorney countered that interchange fees are set by card networks rather than competitive markets, that banks remain highly profitable even with rewards, and that states can act after recent court decisions. No votes were taken; the hearing consisted of testimony and questions from commissioners.

Transcript Highlights:

• They differ by specific transaction.
• It was going to be a $500 transaction.
• So in cases, I don't pay a per-transaction fee, but some people pay per-transaction fees.
• Now, stock transactions are mostly free.
• We're paying on the full transaction.

Summary: The commission met to hear testimony on the future of credit card payments and swipe fees, with a focus on impacts to small businesses, especially restaurants and retailers. Members and witnesses discussed interchange fees, processing fees, chargebacks, fraud risk, rewards programs, and the growing use of card-not-present and digital wallet transactions. Several witnesses urged the commission to support legislation that would prohibit fees on the tax and tip portions of transactions and allow businesses to pass credit card fees on to customers if they choose, while others warned that state regulation of interchange could reduce fraud protections and harm consumer rewards programs. Small business owners and trade groups described rising costs and thin margins, saying card fees are now among their largest expenses and are often charged on money that is merely passing through the business, such as sales tax and gratuities. Restaurant representatives said the current system shifts fraud and chargeback losses onto merchants, with little ability to negotiate rates or recover disputed funds, and argued that transparency and fee relief would help keep independent businesses open. Retailers gave similar testimony, citing rising swipe fees, complex statements, and the burden of online and phone transactions. A representative from the airline industry opposed interchange reform, arguing that airline credit card rewards are popular with consumers and support travel and jobs in Massachusetts. Credit union representatives cautioned that state-level interchange limits could weaken fraud prevention and force higher rates or reduced services, while the National Restaurant Association and a payments-policy attorney countered that banks and networks already operate under fee caps in other contexts and that interchange rates are fixed rather than competitive. Commission members asked questions about how chargebacks work, how fees are broken down, whether businesses can negotiate with processors or POS providers, and how consumer behavior has shifted toward cards, online ordering, and delivery since the pandemic. No votes or formal actions were taken during the hearing.

Transcript Highlights:

• some examples are financial transactions some examples are opening<04:50:28.958><c> accounts</c><04:
• and then finally loan transactions and then finally loan processing<04:50:47.120><c> driver's</c><04
• I thought those were suspicious, so I wanted to look in the boat.’
• If he says, no, I didn't catch any fish, and he acts suspicious, he acts nervous, or he, you know, I
• </c> talking to them and they act suspicious talking to them and they act suspicious that<05:45:32.600

Committee: House Criminal Justice and Public Safety

Transcript Highlights:

• Chapter 36, Article 1 of the Arizona Revised Statutes by adding Section 47-78, relating to firearm transactions
• Chapter 36, Article 1, Arizona Revised Statutes, by adding Section 44-78-53 relating to firearm transactions
• Chapter 36, Article 1, Arizona Revised Statutes, by adding Section 44-78-53 relating to firearm transactions
• So, as a result, banks issuing those cards are in a unique position to observe and flag these suspicious
• It will stop possible purchases and transactions that are structured to evade mandatory requirements.

Summary: The Senate met in multiple Committee of the Whole sessions and later took third-reading votes on several measures, with the day dominated by election administration bills, immigration-related bills, public safety measures, and a series of bills affecting transgender youth and health care. The chamber also heard ceremonial remarks recognizing Lutheran Day at the Capitol, introduced the Doctor of the Day, and handled routine appointments, messages, and committee reports. Several bills were retained on the calendar, including SB 1431 and SCR 1005. Among the major policy items, senators debated and advanced SB 1049 on spousal maintenance, SB 1053 on concealed weapons permits, SB 1415 on insurance adjuster license eligibility, SB 1015 on health care actions related to gender transition procedures and provider liability, SB 1095 on gender transition care for minors, and SCR 1006 on school-related sex and privacy requirements. Members opposing the transgender-related bills argued they were discriminatory, harmful to youth, and an intrusion into family and medical decisions; supporters said the measures protected children, parental rights, privacy, and medical judgment. The chamber also considered election and campaign finance measures including SB 1003, SB 1006, SB 1037, SB 1040, SB 1057, SB 1168, SB 1237, SCR 1002, SCR 1010, SCR 1013, and SCR 1014, with debate centering on transparency, ballot procedures, voter registration, and disclosure thresholds. Additional bills addressed immigration enforcement and foreign influence concerns, including SB 1055, SB 1058, SB 1093, SB 1152, SB 1289, and SB 1308. Supporters framed these as public safety, election integrity, or enforcement measures, while opponents warned they would chill reporting to police, harm asylum seekers and immigrants, or expand punitive government power. The Senate adopted Committee of the Whole reports and assigned bills accordingly throughout the day, and several measures later received third-reading passage votes, including SB 1049, SB 1053, SB 1415, SB 1015, and SB 1095, with recorded roll-call outcomes and transmission of passed bills to the House.

Transcript Highlights:

• act in Title 32 relative to the Office of Motor Vehicles field offices to provide for service and transaction

Bills: SR130 , SR131 , SR132 , SR133 , SCR74 , SCR12 , HB582 , HB221 , HCR74 , HCR58 , HB71 , HB79 , HB158 , HB160 , HB169 , HB227 , HB251 , HB289 , HB330 , HB394 , HB410 , HB429 , HB769 , HB1017 , HB1234 , HB712 , SCR3 , SB54 , SB72 , SB129 , SB164 , SB232 , SB287 , SB322 , SB374 , SB375 , SB386 , SB409 , SB447 , SB458 , SB78 , SB112 , SB124 , SB125 , SB174 , SB190 , SB201 , SB208 , SB236 , SB273 , SB307 , SB347 , SB357 , SB385 , SB387 , SB393 , SB401 , SB415 , SB426 , SB435 , SB487 , SB488 , SB523 , SB222 , SCR9 , SCR58 , SB480 , SB514 , SB35 , SB65 , SB215 , SB246 , SB249 , SB269 , SB282 , SB296 , SB323 , SB363 , SB369 , SB474 , SB490 , SB492 , SB500 , HCR31 , HCR47 , HB362 , HB363 , HB368 , HB377 , HB380 , HB382 , HB386 , HB392 , HB406 , HB431 , HB441 , HB466 , HB503 , HB533 , HB559 , HB575 , HB590 , HB593 , HB618 , HB655 , HB664 , HB685 , HB692 , HB707 , HB715 , HB732 , HB738 , HB741 , HB748 , HB776 , HB807 , HB822 , HB856 , HB860 , HB868 , HB887 , HB888 , HB905 , HB908 , HB961 , HB980 , HB990 , HB992 , HB999 , HB1000 , HB1010 , HB1146 , HB1157 , HB1233 , HB1243 , HB54 , HB137 , HB180 , HB192 , HB310 , HB321 , HB396 , HB512 , HB552 , HB578 , HB638 , HB663 , HB708 , HB717 , HB718 , HB1009 , HB1082 , HB1104 , HB1107 , HB1198 , HB1246 , HB27 , HB143 , HB205 , HB259 , HB267 , HB288 , HB308 , HB403 , HB405 , HB414 , HB417 , HB478 , HB546 , HB548 , HB555 , HB557 , HB609 , HB670 , HB672 , HB740 , HB779 , HB786 , HB796 , HB812 , HB848 , HB915 , HB917 , HB921 , HB930 , HB933 , HB1095 , HB1096 , HB1103 , HB1129 , HB1154 , HB1166 , HB1187 , HB1195 , HB1230 , HB316 , HB511 , HB514 , HB799 , HB1039 , HB17 , HB36 , HB41 , HB47 , HB73 , HB126 , HB133 , HB140 , HB159 , HB166 , HB211 , HB226 , HB271 , HB324 , HB337 , HB351 , HB399 , HB571 , HB723 , HB726 , HB750 , HB759 , HB844 , HB966 , HB1006 , HB1018 , HB1036 , SB29 , SB42 , SB43 , SB217 , SB274 , SB300 , SB379 , SB382 , SB441 , SB449 , HB134 , HB258 , HB359 , HB782 , SB149

Keywords: E. Joseph Savoie, Dr. Savoie, University of Louisiana at Lafayette, UL Lafayette, higher education, Louisiana Board of Regents, commissioner of higher education, president emeritus, Carnegie R1, research university, student financial aid, needs-based aid, community and technical college system, teacher education, hurricane Katrina, hurricane Rita, retirement resolution, commendation, senate resolution, public service