Video & Transcript Research : 'ejection policy'

Page 92 of 500
MN

Minnesota 2025-2026 Regular Session

Committee on Judiciary and Public Safety - 02/05/25

Judiciary and Public Safety

Transcript Highlights:
  • Fourth, one standard policy or one standard for Brady/Giglio list across the state.
  • We're looking for this standard statewide policy to include due process rights on designation notice
  • Fourth, one standard policy or one standard for Brady/Giglio list across the state.
  • <00:08:34.399> to this standard Statewide policy to this standard Statewide policy to include
  • That includes the initial onboarding and then also review of the policies and procedures.
Keywords: 1187, senate, all
MN

Minnesota 2025 1st Special Session

House Elections Finance and Government Operations Working Group 1/15/25

Minnesota House Floor Meeting

Transcript Highlights:
  • I staff both the House Research policy side of elections policy as well as government operations.
  • Roberts said about elections policy.
  • Roberts said about elections policy.
  • Roberts said about elections policy.
  • . the underlying policy like the underlying policy like Transportation<00:17:58.640> or<00:17:
Keywords: 1183, house
Summary: The House Elections Finance and Government Operations Committee met for an introductory, familiarization-only session. Members and staff introduced themselves, and House Fiscal Staff provided a budget overview for the committee’s elections-related jurisdiction. That overview covered the Office of the Secretary of State, including a requested $200,000 one-time general fund match to draw down additional federal HAVA funds released in 2024, and the presidential primary, which is an open statutory appropriation that reimburses state and local costs in even-numbered election years. It also reviewed the Campaign Finance and Public Disclosure Board’s operations budget, the public subsidy program’s statutory and taxpayer checkoff funding, and the Voting Operations and Elections Resources account, which is funded at $3 million annually for local election-related costs. Members asked questions about the HAVA match, including whether the funds were tied to the most recent election cycle and what specific goals or security-related uses the Secretary of State’s request would support. Staff said they would need to research the details further and would share responses with the full committee. One member also raised broader concerns about non-state money entering elections and the need for clear guidance and oversight; staff said that area was beyond their expertise but could be researched further. The chair noted that the Secretary of State would appear at a future meeting and encouraged members to submit questions for shared follow-up. House Research then gave an overview of the committee’s government operations jurisdiction. Staff explained that the committee historically deals with structural and administrative issues such as agency organization, rulemaking, boards and commissions, state contracting, state IT services, emergency management, and state symbols and recognition days. They emphasized the committee’s role in maintaining consistency and compatibility across state government and in considering the balance between legislative authority and executive-branch discretion. Staff also noted overlap with State Government Finance for fiscal matters and said they would return for more detailed discussion if members wanted it. The final presentation introduced local government concepts. House Research outlined Minnesota’s local government structure, including counties, cities, towns, and special districts, and explained terms such as political subdivision, home rule charter, and Dillon’s rule. The presentation described local governments as creatures of the state, reviewed home rule charter and general welfare authority, and noted that local government powers are defined by statute unless otherwise provided. No votes or formal actions were taken.
US
Transcript Highlights:
  • Where I favor an all-of-the-above approach to energy policy, the Biden administration's policy favored
  • policy can't get tax credits.
  • This is not social policy here.
  • is an essential tool in our foreign policy and national security policy.
  • If you believe we need better energy policy, help is on the way.
NH

New Hampshire 2026 Regular Session

Senate Session (05/14/2026)

New Hampshire Senate Floor Meeting

Transcript Highlights:
  • Even supporters of the policy are in disagreement on how this policy should be implemented.
  • Even supporters of the policy are in disagreement on how this policy should be implemented.
  • policy when I was in the other chamber. policy when I was in the other chamber.
  • scenario when we force these policies. scenario when we force these policies.
  • education costs to reject this policy. education costs to reject this policy.
Keywords: 1191, senate, all
MD

Maryland 2026 Regular Session

Senate Floor Session, 4/2/2026 #1

Maryland Senate Floor Meeting

Transcript Highlights:
  • His work is grounded in policy.
  • adjustments uh to rate-making policies adjustments uh to rate-making policies that<00:21:05.920>
  • some of these policies being in place? some of these policies being in place?
  • energy policy in the state. energy policy in the state.
  • There was no big big policy call.
Summary: The Senate convened with a quorum, heard an invocation by Reverend J.C. Austin of Woods Memorial Presbyterian Church, and journalized the prayer. Members also introduced several guests and interns, including a shadow from the 45th District, a Legislative Black Caucus fellow, a ninth-grade author from Annapolis High School, a World Autism Acceptance Day group in the gallery, and a student shadowing the Senator from District 30. The chamber then moved to House bills on second reading and Senate bills on third reading. The Senate adopted favorable committee reports and passed several House bills without objection, including measures extending the Maryland Horse Industry Board sunset, requiring housing counseling information for certain first-time homebuyers, expanding the educator expense tax subtraction to full-time pre-K teachers, increasing funding for the State Library Resource Center, extending agricultural use assessment eligibility for community solar projects, allowing the Seat Pleasant Police Department to join the Law Enforcement Officers Pension System, authorizing changes to a tax sale legacy protection program, and granting special taxing authority for the Village of Drummond. The chamber also adopted seven amendments to Senate Bill 1007 on state debt authorizations and ordered it printed for third reading. On final passage, Senate Bill 956 on Maryland Transportation Authority video toll collections passed with 44 affirmative votes. The Senate then took up Senate Bill 841, a major energy affordability and utility reform bill, with two committee amendments adopted. The bill was described as providing short-, medium-, and long-term rate relief, including changes to EmPOWER Maryland, utility cost recovery, data center tariffs, net metering, solar policy, transmission planning, battery storage, nuclear incentives, and low-income assistance. Debate began on the amended report, and a motion to lay the bill over was withdrawn while members discussed waiting on additional amendments.
NM

New Mexico 2025 Regular Session

IC - New Mexico Finance Authority Oversight Sep 10th, 2025

New Mexico Finance Authority Oversight Committee

Transcript Highlights:
  • We will track them, but the impacts are decided by our policy partners.
  • So it's really easy to put together the draft rules and policies.
  • And just one other thing: the rules are internal, the policies are external, so the policies are the
  • These put the frameworks and guardrails around what those policies will contain.
  • And so we'll just have to make sure it's fair and we follow our policies.
MN

Minnesota 2025-2026 Regular Session

House Floor Session 3/12/26

Minnesota House Floor Meeting

Transcript Highlights:
  • The bill is being referred to the committee on health finance and policy.
  • The bill is being referred to the committee on housing finance and policy.
  • vulnerabilities and policy vulnerabilities and policy recommendations.<00:13:34.240> We<00
  • She wanted her committee to be fluent in energy policy before they started debating bills.
  • She wanted her committee to be fluent in energy policy before they started debating bills.
Keywords: 1183, house
VA

Virginia 2026 Regular Session

Education Mar 4th, 2026

Education

Transcript Highlights:
  • This is now conformed to discuss AI policy and gathering data around AI policy.
  • And that is the current policy of both Alexandria City and Norfolk City Schools.
  • We see strengthening state policy as only one more layer in that battle to make sure kids are focused
  • And they, it's really hard to enforce the cell phone policy during One Lunch.
  • It's the nature of any and every behavioral intervention in our policies.
MN

Minnesota 2025-2026 Regular Session

Education policy panel OKs HF957, bill to let school districts opt out of mandates 3/4/25

Minnesota House Floor Meeting

Transcript Highlights:
  • Representative Baker, so does this mean that if school districts are opting out of a policy, are they
  • also opting out of funding associated with that policy that might be in place, or is it purely a policy
  • Representative Baker, so does this mean that if school districts are opting out of a policy, are they
  • also opting out of funding associated with that policy that might be in place, or is it purely a policy
  • are they also are opting out of a policy are they also opting<00:04:59.800> of<00:04:59.919><
Keywords: 919, house, all
Summary: The committee took up House File 957, with Representative Bakeberg presenting the bill on behalf of Representative Caw. The bill would give school districts funding flexibility through the 2028-2029 school year and allow them to stagger implementation of certain recently enacted education mandates to fit local needs, except where federal law requires otherwise. An A1 author’s amendment was adopted to clarify that any provision restricted or mandated by federal law would not be delayed. Representative Jordan questioned whether the proposal would let districts opt out of unemployment insurance for hourly workers, raised constitutional concerns about districts choosing which laws to follow, and asked whether opting out of a policy would also mean opting out of associated funding. Bakeberg responded that federal-law conflicts would remain in force, that districts already have substantial local control, and that public school funding generally follows a per-pupil formula, with grant programs remaining optional. He also said the bill is intended to help districts facing financial strain and budget reductions. Jordan argued that the so-called mandates are actually education policies developed through community input, including measures related to mental health support and student protections, and urged a no vote. Bakeberg closed by saying districts need more flexibility to avoid continued budget cuts. The committee then voted to re-refer House File 957, as amended, to the Education Finance Committee, and the motion prevailed.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Ways and Means Jun 21st, 2026 at 12:00 pm

Joint Committee on Ways and Means

Transcript Highlights:
  • I'm really not an expert in tax policy, but I have so many questions.
  • I run the Center for State Policy Analysis at Tufts.
  • I run the Center for State Policy Analysis at Tufts. we do I'm Evan Horowitz.
  • I run the Center for State Policy Analysis at Tufts.
  • We do timely research on live policy issues in a strictly nonpartisan way, working on fiscal policy,
Keywords: 995, all
Summary: The Senate and House Ways and Means chairs opened the FY 2027 consensus revenue hearing by emphasizing the need for a balanced, fiscally responsible budget amid federal funding cuts, health care cost pressures, and uncertainty around the federal tax law changes referred to as OB3. They also noted the state’s current revenue performance is slightly above benchmark and paid tribute to the late Representative Anne Margaret Ferranti. Secretary of Administration and Finance Matthew Gorkowitz echoed the call for caution, saying Massachusetts has protected core services while building reserves and that the FY27 budget process begins with a careful revenue estimate. Department of Revenue Commissioner Jeff Snyder, along with DOR staff, presented FY26 and FY27 tax forecasts and identified major drivers and risks: OB3’s negative impact on state revenue, surtax collections, labor market conditions, capital gains, and corporate/business excise taxes. DOR estimated OB3 would reduce FY26 revenue by about $664 million and FY27 by about $282 million, while surtax and capital gains were expected to remain strong in FY26 but soften in FY27. Members questioned the outlook for surtax, capital gains, and the potential fiscal effect of a ballot question reducing the income tax rate from 5% to 4%; DOR said that proposal could cost roughly $4.2 billion to $4.8 billion annually, with a smaller but still significant impact in FY27 because of phase-in timing. Treasurer Deb Goldberg testified next on the stabilization fund, lottery, PRIM, unclaimed property, and the Alcoholic Beverages Control Commission. She reported the rainy day fund at about $8.1 billion, said the lottery was on track for $1.5 billion in FY26 net profit and projected $1.25 billion in FY27, and highlighted that iLottery is expected to launch in summer 2026 with revenue beginning in FY27 and dedicated to child care initiatives. She also described strong PRIM performance and record unclaimed property returns, while members asked about the child care use of iLottery revenue, multilingual outreach, and the economic impact of expanded liquor licensing. Mass Taxpayers Foundation President Doug Howgate and Tufts’ Evan Horowitz then offered differing revenue outlooks and policy warnings. Howgate projected modest growth, cautioned against overusing reserves for ongoing obligations, and urged caution on federal tax conformity changes and health care spending pressures. Horowitz projected higher FY26 and FY27 revenues than other witnesses, warned that the surtax and capital gains make the tax system more volatile, and said a 4% income tax ballot question could reduce FY27 revenues by roughly $800 million to $1 billion. He also flagged the rent control ballot question as a potential risk to municipal finance and suggested the state consider giving a permanent home to the independent revenue model used by Alan Clayton-Matthews.
WA
Transcript Highlights:
  • So now we're in policy class really quickly.
  • But this is in tandem with solving those policy issues.
  • We refreshed our direct buy policy.
  • So we've just refreshed our supplier diversity policy.
  • We supported DES in increasing the direct buy policy.
Summary: The committee heard a work session on voting access on tribal lands, beginning with a presentation from Dr. Chelsea Jones of the Brennan Center. She described barriers affecting Native voters and voters on tribal lands, including long travel distances to polling places and drop boxes, nontraditional addresses, unreliable postal service, language access, and limited broadband. Citing research, she said turnout on tribal lands trails turnout off tribal lands by about 10 percentage points nationally and about 10% in Washington, with larger gaps in some convenience voting measures. Members asked about the meaning of “lost votes,” the role of tribal leadership and community trust, and whether outreach by election officials and candidates could help; Dr. Jones emphasized that the study measured missed voting opportunities, not missing ballots, and that partnerships with trusted community leaders are important. The University of Washington Elections Database then presented data on voter registration, turnout, signature challenges, curing, and ballot rejection for voters whose addresses fall within tribal reservation boundaries. The presenters said registration on reservations increased from about 107,000 in 2010 to 137,000 in 2024, turnout on reservations remained about 8 to 9 percentage points lower than outside reservations in recent general elections, and signature-challenge and rejection rates were generally low but somewhat higher in off-year elections. They reported that about 60% to two-thirds of signature-challenged ballots are cured, with cure rates similar inside and outside reservations, and that late return is the most common reason for primary ballot rejection while signature mismatch is the leading cause in general elections. A question was raised about USPS postmarking issues and how those might affect future data; the presenters said they plan to track return method and cure timing more closely. The committee also received an overview of the Governor’s Office of Indian Affairs. Staff reviewed the office’s history, the Centennial Accord, the Millennium Agreement, and related state-tribal frameworks, and GOIA Director Tim Rainan described the office’s role as a bridge between the state and tribal governments, including consultation, policy coordination, training, and convening work groups. He said GOIA now has six positions, is part of the governor’s executive cabinet, and is working on a statewide tribal relations training module and consultation handbook. In response to a question, he said tribal voting is not a major topic at the Centennial Accord but is discussed more extensively through ATNI. The committee then shifted to contracting equity, hearing from WSDOT, DES, OMWBE, and the Office of Equity. WSDOT described its race-neutral small business and veteran goals, mentorship and support programs, and its response to the federal suspension of the DBE program; DES discussed statewide contracting spend, the EDGE pilot for small construction firms, and efforts to improve procurement access; OMWBE reported growth in certified firms and about $371 million in state spend with certified firms in the most recent year, while noting ongoing impacts from federal DBE changes; and the Office of Equity outlined its broader work on agency consultation, dashboards, and systems change. No votes were taken.
NH

New Hampshire 2025 Regular Session

Senate Education (04/10/2025)

Education

Transcript Highlights:
  • The policies work.
  • The policies work.
  • The policies work.
  • The policies work.
  • So policy KEC, I believe, is a required policy.
Keywords: 1191, senate, all
CA
Transcript Highlights:
  • So the next major policy that I'll highlight is the prospective pay policy.
  • Yes, they are policy, but they are also important fiscal policy direction that will inform how we spend
  • This proposal does raise significant policy considerations.
  • It's a fairly significant change in a longstanding policy.
  • It's a fairly significant change in a longstanding policy.
Keywords: 988, house, all
Summary: The Assembly Budget Subcommittee on Human Services held a hearing on the Governor’s May Revision, with no votes taken. The first major discussion focused on child care and early education, including proposed reductions tied to federal Child Care and Development Fund and Proposition 64 revenue changes, the shift of reductions from general child care to the California Alternative Payment Program, the end of funding for prospective pay implementation, a 2.01% cost-of-living adjustment, child care infrastructure grants, and a proposal to increase administrative funding for alternative payment agencies. The Legislative Analyst’s Office generally supported removing prospective pay funding and urged caution on the administrative-rate shift, while also recommending more justification for the slot reduction approach and more detail on infrastructure grant alignment. Committee members strongly objected to eliminating about 6,000 child care slots, arguing the Legislature should preserve and expand child care access. The Department of Education supported the preschool QRIS block grant increase and the COLA but raised concerns about rate alignment for three- and four-year-olds and the lack of funding to maintain enrollment growth. The committee then reviewed trailer bill language affecting child care, including codifying age-based reimbursement categories, expanding documentation for enhanced inclusion rates, clarifying CalWORKs child care eligibility, aligning health and safety standards with federal requirements, coordinating disaster-related infrastructure funding, and updating oversight language. Administration officials said the proposals were intended to support the single reimbursement rate structure, improve safety compliance, and coordinate disaster recovery funding. LAO said it had no major initial concerns with the trailer bill language but would continue reviewing it. The hearing then turned to CalFresh and nutrition programs. CDSS described projected caseload declines, a one-time augmentation for county administration to implement federal H.R. 1 changes, a proposed reassessment schedule for county administrative funding, and updated estimates that H.R. 1 could cut CalFresh funding by $2.3 billion to $3.7 billion annually and affect about 500,000 people. Members pressed the administration on the impact of H.R. 1, the “chilling effect” on immigrant households, county workload, and whether the state should backfill federal cuts, especially for families with children subject to new work requirements. The committee also discussed a one-time CalFood augmentation, state administrative expense funding, staffing for H.R. 1 implementation, and a small increase to the CACFP meal reimbursement rate. Finally, the committee began IHSS items, including the impact of reinstating the Medi-Cal asset limit, automatic IHSS termination tied to Medi-Cal loss, and related savings and caseload estimates, with the administration explaining that these proposals would reduce eligibility and that there is no broad substitute for IHSS for many recipients.
HI

Hawaii 2025 Regular Session

Restrictive Housing Legislative Working Group 08-21-2025

Hawaii Senate Floor Meeting

Transcript Highlights:
  • law by Governor Josh Green on July 3rd, 2025, to develop and recommend more comprehensive laws, policies
  • The Act 292 working group is tasked with reviewing, considering, and identifying laws, policies, and
  • quo of restricted housing policies quo of restricted housing policies currently<00:09:20.399>
  • the expectation that certain policies the expectation that certain policies will<00:09:26.399>
  • So the way this better policies around.
Keywords: 912, senate, all
Summary: The Restrictive Housing Legislative Working Group held its first meeting on August 21, 2025, to organize under Act 292, which directs the group to review and recommend laws, policies, and procedures on restrictive housing for vulnerable populations, including older adults, people with disabilities, people with serious mental illness, those with sensory impairments, and people perceived to be LGBTQIA+. Co-chairs Sen. Brandon Elefante and Rep. Della Au Belatti outlined the group’s purpose, membership, and timeline, noting the final recommendations are due to the Legislature by January 8, 2027. Members and invited participants introduced themselves, including legislative members, Department of Corrections and Rehabilitation staff, the Department of Health, the Hawaii Correctional System Oversight Commission, ACLU of Hawaii, Community Alliance on Prisons, UPW, and an OHA representative in the audience. The working group discussed its initial focus and agreed that a first priority should be understanding current restrictive housing practices at DCR, including policies on solitary confinement, training, reporting, and how the department currently handles vulnerable populations. Co-chair Belatti said the group should also hear from people with lived experience, including incarcerated individuals and family members affected by solitary confinement, and review litigation, settlements, and outside expert work on best practices. DCR Director Tommy Johnson, appearing by Zoom, said the bill contains specific implementation timelines and that the group should use future meetings to surface topics tied to the act’s requirements. Rep. Shimizu asked how the working group’s recommendations would fit with SB 104 and whether they would supersede existing provisions; Belatti responded that the act allows time for review and for both departmental policy changes and legislative recommendations, with section two’s implementation date set for July 1, 2026. Public comment was limited, with no online testimony. An OHA representative thanked the chairs and said the office looked forward to participating once formally designated. House legislative attorney Sean Aronson suggested the group should hear about any outside or court-mandated oversight of DCR in a future presentation. A member of the working group also asked about scheduling an in-person visit to a correctional facility, and the chairs said that could be arranged with DCR. The group tentatively scheduled its next meeting for October 16, 2025 at 9:30 a.m., noted that September would be skipped, and discussed holding future meetings on third Thursdays. The meeting ended with thanks to staff and adjournment.
MN

Minnesota 2025-2026 Regular Session

Committee on Human Services - 03/25/26

Human Services

Transcript Highlights:
  • This is going to be our omnibus Human Services policy bill.
  • Chair, members, article two is the Aging and Disability Services policy article.
  • All these sections the DHS policy bill.
  • MDH policy MDH policy clarification<00:32:51.960> related<00:32:52.560> to<00:32:53.040
  • Health policy bill. Health policy bill.
Keywords: 1187, senate, all
MN

Minnesota 2025 1st Special Session

House State Government Finance and Policy Committee 2/11/25

State Government Finance and Policy

Transcript Highlights:
  • can disagree here on different policy can disagree here on different policy issues<00:09:53.800>
  • What they are experts in is conducting policy research.
  • <00:47:33.079> we this is the law this is the policy we this is the law this is the policy
  • , such as insubordination or the state respectful workplace policy.
  • , such as insubordination or the state respectful workplace policy.
Keywords: 1183, house
Summary: The committee met on February 11 and began with introductions from members and staff, who shared brief personal and district facts. Chair Jim Nash then outlined the committee’s goals for the session, emphasizing bipartisan cooperation, the need to address a looming structural deficit, and the committee’s role in moving legislation forward. The committee also reviewed its rules for the year. The main item was House File 3, authored by Chair Nash and referred to Ways and Means. The bill would require the Office of the Legislative Auditor to produce an annual report tracking whether agencies have implemented prior audit and evaluation recommendations, with the goal of improving internal controls, transparency, and accountability and helping legislators make funding decisions. Nash described the bill as a preventative measure to reduce waste, fraud, and abuse, and said it was modeled in part on practices used in Colorado. Legislative Auditor Judy Randall testified that the office already produces similar update reports but lacks resources to independently verify many agency responses; she said the bill would provide a framework for more regular reporting and discussion, not a “shame tool.” Ranna Lee of Americans for Prosperity testified in support, saying the bill would increase accountability and transparency for how public agencies manage taxpayer resources. A letter from the Minnesota Council on Nonprofits was also noted in support. Representative Clardy offered the A7 amendment to add an appropriation matching the fiscal note; Nash accepted it, saying savings could be found later in the process. The committee approved the A7 amendment by voice vote. During discussion, Representative Quam supported the bill’s focus on accountability, and Representative Freiberg questioned the Legislative Auditor about the office’s expertise on a specific ambulance-services recommendation in the report. Randall responded that the office’s staff are policy research generalists who use standards, best practices, interviews, surveys, and site visits to develop recommendations, and that the goal is to prompt further discussion rather than require blind acceptance. The transcript ends during that exchange, with no final committee vote on House File 3 shown.
MN

Minnesota 2025-2026 Regular Session

Committee on Taxes - 01/15/25

Taxes

Transcript Highlights:
  • One of the ways to achieve a policy goal is to put a provision in the tax code.
  • If you enact a policy through a tax expenditure, you are reducing taxes.
  • the same policy the same policy outcome<00:19:08.520> Mr<00:19:08.799> Willet<00:19
  • policies policies by<00:51:17.000> subdivision<00:51:17.599> 7B<00:51:18.200> states
  • the individual income tax policy the individual income tax policy supervisor<01:16:38.120> at
Keywords: 1187, senate, all
MN

Minnesota 2025-2026 Regular Session

Committee on Finance - 03/11/25

Finance

Transcript Highlights:
  • unknowns regarding federal policy unknowns regarding federal policy changes<00:03:10.840> and
  • and policy consumption second policy and policy changes<00:17:42.320> and<00:17:42.520> uncertainties
  • <00:19:27.600> coupled uncertainty in federal policies coupled uncertainty in federal policies
  • budget Bia uh in part because policy budget Bia uh in part because policy makers<00:37:27.400>
  • because the policy is not yet known.
Keywords: 1187, senate, all
NM

New Mexico 2025 Regular Session

IC - New Mexico Finance Authority Oversight Jul 9th, 2025

New Mexico Finance Authority Oversight Committee

Transcript Highlights:
  • And so we added very explicit criteria into the policies.
  • That same policy will take you to what the required elements are for an application.
  • The Water Trust Board settled on a general guideline that's in policy, a policy target that sets out,
  • The policies really haven't changed.
  • On June 25th, the Water Trust Board also updated the project management policy.
AR
Transcript Highlights:
  • Canceled policies.
  • We see these a lot with large policies, like farm policies, small business policies.
  • This is where an individual has a policy. They don't pay their premium, their policy cancels.
  • They sold 232 fraudulent policies to people who, they were legitimate policies.
  • They went on progressive website. they bound. policies to people who they were legitimate policies they
Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, regulators, law enforcement, AARP, and mortgage and insurance industry representatives. Witnesses described a wide range of scams, including spoofed bank calls and texts, fake websites and social media impersonation, romance and investment scams, business email compromise, gift card fraud, check fraud, wire fraud, reverse mortgage scams, and crypto kiosk schemes. Several speakers emphasized that fraud is increasingly organized, technology-driven, and amplified by artificial intelligence, and that seniors are disproportionately targeted and often suffer the largest losses. Testimony highlighted both prevention and recovery efforts. Bankers said institutions spend heavily on training, customer education, and fraud detection, but often cannot stop losses once customers have been convinced to authorize transfers. The Attorney General’s office described its Consumer Protection Division, a new Financial Fraud Task Force, and examples of recovering funds quickly from crypto kiosk and wire fraud cases. The State Bank Department and Securities Department said Arkansas’s 2025 crypto ATM legislation and related education requirements have helped, and they urged continued public education. The Insurance Department reported major insurance-fraud trends, including fake insurance cards, forged policies, premium-finance schemes, and staged auto accidents, and said it prosecutes these cases aggressively. Members asked about reporting scams, the security of tap payments, how fraud losses are tracked, the role of crypto kiosks, and whether Arkansas should pursue model legislation or stronger action against telecom and social media companies. Witnesses said tap payments are generally safer than chip or swipe, that crypto transfers are often unrecoverable, and that spoofed caller ID and impersonation ads remain major problems. Paul Benda of the American Bankers Association urged state and federal action against telecom and social media platforms and supported national scam legislation. No new bills were voted on at the meeting, but members approved the November 3, 2025 minutes and several witnesses offered to share model legislation, consumer education materials, and state-by-state fraud data with the committee.