Video & Transcript Research : 'consumer fraud'
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OK
Oklahoma 2026 Regular Session
Energy and Natural Resources Oversight Feb 25th, 2026 at 09:00 am
Energy
Transcript Highlights:
- It establishes a statewide framework for managing used batteries at no cost to consumers by requiring
- food entrepreneurs to expand their businesses in new ways and will provide increased options for consumers
Bills:
HB4338, HB3977, HB2100, HB2975, HB3056, HB3406, HB3720, HB4316, HB3405, HB1907, HB3142, HB3173, HB3270, HB3728, HB2440, HB2596, HB3466, HB3469, HB4338, HB3977, HB2100, HB2975, HB3056, HB3406, HB3720, HB4316, HB3405, HB1907, HB3142, HB3173, HB3270, HB3728, HB2440, HB2596, HB3466, HB3469
Keywords:
HB4338, Oklahoma Brine Development Act, brine unitization, produced water, produced water unit, oil and gas wastewater, produced water recycling, reclaimed water, constituent elements, brine rights, solution gas, Corporation Commission, unitization, royalty interests, surface owner, oil and gas produced water, recycling and reuse, wastewater disposal, mineral extraction, lithium extraction
AL
Bills:
HB348, HB106, HB347, HB54, SB118, SB167, SB195, HB260, HB263, HB328, HB348, HB106, HB347, HB54, SB118, SB167, SB195, HB260, HB263, HB328
Keywords:
bail reform, illegal aliens, violent offenses, pretrial detention, flight risk, court hearings, doxing, personal identifying information, harassment, online safety, law enforcement, public servants, penalties, consumer protection, illicit material, private rights, digital privacy, nonconsensual distribution, incarceration, pregnancy
TX
Transcript Highlights:
- What's needed now is for federal and state actors to align with power producers, consumers, and others
- There's a very clear graph showing the cost to the consumers. And the cost for production.
- Unfortunately, the system benefit fund ended and consumers stopped receiving assistance in 2016.
- When a household faces other challenges, and, uh, oftentimes, uh, consumers just fall behind.
- And apply it statewide so that, uh, consumers both inside and outside of ERCO, um, are eligible.
Bills:
HB 14, HB 106, HB 146, HB 267, HB 274, HB 1127, HB 1359, HB 1393, HB 1584, HB 1640, HB 1710, HB 2152, HCR 101, HJR 8, HR 51
Keywords:
nuclear energy, advanced reactors, energy security, grant programs, Texas Advanced Nuclear Energy Office, HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund
TX
Transcript Highlights:
- by requiring the Public Utility Commission to to develop a consumer guide for home solar systems so
- Texans can become better informed consumers.
- That website has long served to educate consumers who are engaged in retail choice and is a good model
- This would be... a great help for the consumers, electric consumers of Texas.
- We work statewide on policy and my focus is on consumer.
Bills:
HB14, HB 106, HB146, HB267, HB274, HB 1127, HB1359, HB1393, HB1584, HB1640, HB1710, HB2152, HCR101, HJR8, HR51
Keywords:
nuclear energy, advanced reactors, energy security, grant programs, Texas Advanced Nuclear Energy Office, HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund
MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 3/18/25
Judiciary Finance and Civil Law
Keywords:
veterans, veterans affairs, State Soldiers Assistance Program, Veterans Stable Housing Initiative, MAXIS, human services data, data sharing, eligibility verification, informed consent, private data, benefits coordination, veteran housing, veteran assistance, Department of Human Services, Children Youth and Families, state benefits, federal benefits, privacy, public assistance, foreclosure
AL
Alabama 2025 Regular Session
Alabama House Ways and Means Education Committee Feb 26th, 2025
Ways and Means Education
Keywords:
HB226, homestead exemption, ad valorem tax, property tax, property tax relief, widow, widower, unremarried spouse, surviving spouse, senior exemption, elderly, disabled, permanently and totally disabled, blind taxpayer, deed ownership, principal residence, school tax, county tax, municipal tax, Alabama Department of Revenue
AL
Transcript Highlights:
- Uh because we know that the consumers, the people of Alabama really consumers, the people of Alabama
- And especially I don't know why fraud. And especially I don't know why fraud.
- I would like to be able there is fraud. I would like to be able there is fraud.
- I know you think a fraud may take place. I know you think a fraud may take place.
- And the fraud comes about as a do. And the fraud comes about as a do.
FL
Transcript Highlights:
- It's not an interest rate that's available on any consumer account that is similar to an IOTA account
- They also do the investigations for Medicaid fraud.
- And consumer products. So that bill temporarily postponed. Please read the next bill.
- This SB 1808 enhances consumer protections by putting patients first in billing practices.
- She’s been a fraud investigator with the police department for over two decades.
Summary:
The Senate convened with prayer, the Pledge of Allegiance, and a series of introductions and moments of silence recognizing recent tragedies and public figures, including students affected by the FSU shooting, John Thrasher, Coach Amir Abdur-Rahim, and conservation and youth groups visiting the chamber. The body also adopted Senate Resolution 1878 honoring Coach Abdur-Rahim and Senate Resolution 1892 recognizing Florida Wildlife Corridor Week.
The chamber then moved through a long special-order calendar, passing several bills with little or no opposition. Measures approved included child care and early learning provider regulation updates (SB 738, 37-0), false reporting/swatting penalties and cost recovery (SB 726, 38-0), health care billing and collection protections/medical debt (SB 656, 38-0), hazardous walking conditions for schoolchildren (SB 650, 38-0), young adult housing support for foster and homeless students (SB 584, 38-0), the Family Empowerment Scholarship Program disclosure bill (SB 508, 37-1), trust fund interest for court-approved purposes after a debated amendment (SB 498, 28-10), transportation and traffic-safety changes including school bus camera hearings and micromobility rules (SB 462, 37-0), public records exemptions for AHCA investigators and JQC/appellate court clerks (SB 342, 34-4; SB 302, 35-3; SB 300, 35-3), municipal water and sewer utility rate fairness for Miami Gardens/North Miami Beach (SB 202/HB 11, 36-2), motor vehicle offenses involving obscured plates and impersonation (SB 44/HB 253, 36-0), trespass at large-scale ticketed events and law-enforcement-controlled sites (SB 1828/HB 1447, 35-1), patient refund of overpayments (SB 1808, 37-0), stem cell therapy standards (SB 1768, 37-0), insulin administration by direct support professionals and relatives (SB 1736/HB 1567, 38-0), and pre-arranged transportation services/rideshare impersonation (SB 1696/HB 1525, 37-0). Several bills were temporarily postponed, including cardiac emergencies, chemicals and consumer products, motor vehicle manufacturers and franchise dealers, and education.
Debate centered most heavily on the trust fund interest bill, with supporters arguing it would stabilize funding and better reflect market rates, and opponents warning it would sharply reduce legal aid funding and hurt access to justice. The transportation bill also drew extensive questions and amendments, including removal of a speed-limit increase, changes to school bus infraction hearing procedures, micromobility regulation, and flood-wake enforcement. The municipal water bill prompted constitutional and fairness concerns, while the public records bills were defended as necessary to protect investigators and court personnel from doxing and harassment. Most measures ultimately passed with strong bipartisan support, though the scholarship disclosure bill and trust fund interest bill drew the most visible dissent.
NM
New Mexico 2025 Regular Session
IC - Economic and Rural Development Sep 4th, 2025
Economic & Rural Development & Policy Committee
Transcript Highlights:
- First, what is the difference between coercion and fraud?
- When we're talking about coercion versus fraud, how does the nuance play out?
- The **National Consumer Law Center** does have model language, and several states have adopted it.
- Conserving the lands, and then also the consumer surplus of people attending state parks.
- Consumers wanted a product, and we couldn't get it.
FL
Florida 2025 Regular Session
Agriculture Mar 17th, 2025
Transcript Highlights:
- >> A LOT OF THEM WE WORK DIRECTLY WITH THOSE CONSUMERS, WITH THE MANUFACTURER'S.
- IT IS QUITE LITERALLY MY JOB AS A SMALL BUSINESS TO PROTECT CONSUMERS.
- THIS IS ABOUT PUBLIC SAFETY PREVENTING FRAUD AND ENFORCING REGULATORY COMPLIANCE.
- SO AS A CONSUMER, LIFELONG CONSUMER I WENT THROUGH THE MEDICAL MARIJUANA PROGRAM AND QUICKLY FOUND IT'S
- THAT'S HOW I FEEL AS A CONSUMER.
CA
California 2025-2026 Regular Session
Assembly Appropriations Committee Apr 8th, 2026
Transcript Highlights:
- This bill strengthens consumer protections and provides clarity for notaries, platforms, and users, aligning
- California often codifies federal standards to protect consumers, and this is no different.
- have full authority to review care, ensure clinical appropriateness, and address concerns such as fraud
Summary:
The Assembly Appropriations Committee met on April 8, 2026, with a quorum established and 59 bills listed for consideration. The committee first approved two consent calendars: several bills were sent to the Assembly floor on a due-pass basis, and a smaller set was approved due-pass but not eligible for the floor consent calendar. The proposed suspense calendar was then deemed approved without individual debate on those measures.
The committee heard several bills in regular order. AB 1977, sponsored by the Secretary of State, would clean up and clarify the Online Notarization Act to support implementation by 2030; it drew no opposition and was approved. AB 2011 would codify existing federal mental health parity standards into state law; supporters said it would preserve enforcement authority, while health plans opposed it as premature given federal uncertainty and possible premium impacts; the bill was placed on the B roll call. AB 1673 would give county fish and game commissions more flexibility to use certain revenues for wildlife conflict prevention, and it advanced on an A roll call. AB 2233 would allow unused authorized ABA therapy hours for children with autism to be made up within the authorization period; supporters emphasized access and continuity of care, while insurers warned of higher costs and reduced utilization safeguards; it advanced on an A roll call. AB 1660, as amended, would give courts more flexibility in cases involving financial institutions and public guardians/conservators, with supporters saying it could save counties time and money; it was approved due-pass as amended.
During general public comment, speakers voiced support for AB 2081 and AB 1667, and opposition to AB 1777. After public comment and final vote recording for absent members, the committee adjourned.
TX
Texas 89th Regular
Delivery of Government Efficiency May 7th, 2025
Delivery of Government Efficiency
Transcript Highlights:
- All of that will be very clearly identified for the consumer to understand.
- population in Texas to get control of this. ...allow competition to come in and put into the hands of the consumer
- Technology to efficiently use taxpayer dollars and reduce fraud and waste in government.
Keywords:
HCR 141, House Concurrent Resolution, NASA, Houston, Space City, Johnson Space Center, Mission Control, Apollo 11, moon landing, aerospace, commercial space, space exploration, Texas Space Commission, space policy, federal resolution, memorial resolution, Congress, Washington D.C., headquarters relocation, space industry
MN
Transcript Highlights:
- shows S&P Global Market Intelligence's forecast of the annual inflation rate as measured by the Consumer
- <00:15:09.440>
spending and some forms of consumer spending and some forms of consumer spending - Further policy uncertainty can cause businesses and consumers to be less willing to take on debt, which
- Price Index grew in rate as the Consumer Price Index grew in the<00:29:35.600>
previous <00:29 - <00:58:24.920>
and half a billion dollars in fraud and half a billion dollars in fraud and
MO
Transcript Highlights:
- would cover this type of replacement in the event that you have full-type damage is an option that consumers
- adjuster side or on the contractor's side, and there's a lot of concern where that real root cause of fraud
- You know, I think that is something that would be currently available to consumers.
- Hampton referred, the Department of Commerce and Insurance is a great partner and an advocate for consumers
Summary:
The House Insurance Committee heard testimony on House Bill 2250, which would require insurers, beginning in 2027, to pay for full siding replacement when storm damage affects only part of a home and matching siding is not reasonably available. Sponsor Rep. Jaclyn Zimmermann said the bill is intended to codify existing Missouri case law and address complaints from constituents who were left with mismatched siding after hail damage, especially in older homes where the original materials are no longer made. Committee members generally expressed support for the consumer-protection goal, while also discussing possible changes such as limiting the requirement to certain elevations or adding clearer policy disclosures.
Opposition testimony came from the Missouri Insurance Coalition, which argued the bill could raise premiums for all homeowners and noted that consumers can already buy more comprehensive coverage if they choose. Coalition witnesses said insurers should repair direct physical damage but warned against requiring full-house replacement for cosmetic mismatch, citing a prior St. Louis-area experience where a similar requirement reportedly increased premiums. Members and witnesses also discussed related issues such as consumer understanding of policy terms, the availability of different policy products, and whether contractor payroll or fraud concerns should be addressed separately. No vote was taken on HB 2250.
After the hearing, the committee established a quorum and moved to executive session on House Bill 3328. The committee adopted a House Committee Substitute that removed the IBHS certification requirement in favor of a non-biased third-party testing lab and removed the adjuster cap, while otherwise keeping the bill’s stronger home program framework. The committee then voted the House Committee Substitute for HB 3328 do pass by a vote of 9-0, and the meeting adjourned.
AZ
Arizona 2026 Regular Session
03/05/2026 - House Artificial Intelligence & Innovation
Artificial Intelligence & Innovation
Transcript Highlights:
- systems that would enhance state government operations and legislative initiatives needed to provide consumer
- working group launched by the governor is reviewing a set of pilot projects on unemployment insurance fraud
- Liability is another thing to consider, constituent and consumer impact, and then bias and discrimination
- Liability is another thing to consider constituent and consumer impact and then bias and discrimination
Summary:
The Arizona House Advanced Artificial Intelligence and Innovation Committee heard a presentation from Adam Cook Hook of the National Conference of State Legislatures on recent AI policy trends across the states. He described how AI has rapidly become a major legislative issue, with all 50 states plus several territories introducing AI bills in 2025, and noted that states have created AI-focused committees, task forces, inventories, impact assessments, procurement rules, and government pilot projects. Examples discussed included state efforts in Colorado, Kentucky, West Virginia, Hawaii, Arkansas, Ohio, and others, along with NCSL resources such as its AI legislation database and policy toolkit.
Much of the discussion focused on deepfakes, elections, and synthetic media. Hook said many states have enacted disclosure requirements or prohibitions for AI-generated political messaging, and have also passed laws addressing sexually explicit deepfakes, nonconsensual intimate images, and commercial use of a person’s likeness, voice, or image. Members asked about the best state approaches to protecting likeness rights, how parody and satire affect deepfake laws, and whether such laws can avoid First Amendment problems. Hook pointed to recent court cases in California and Hawaii that struck down some deepfake laws as overly broad, especially where they lacked parody/satire exceptions or allowed too broad a private right of action.
The committee also asked about practical government uses of AI, including retrieval-augmented chatbots used by agencies such as Montana’s Ethics Commission and the Ohio Secretary of State to help answer public questions or guide election officials. Hook said states are pursuing both regulation and innovation, citing comprehensive laws in Colorado, Utah, California, and Texas that combine disclosure, risk assessment, and anti-discrimination requirements with innovation efforts such as sandboxes and state support for AI research. No bills were heard or voted on, and the meeting ended with the chair thanking the presenter and adjourning the committee.
FL
Florida 2026 4th Special Session
January 20, 2026 - 03:30 PM
Transcript Highlights:
- The protection of consumers...
- So we found new technologies to layer into the system to increase its capacity to prevent fraud, to increase
- And then we did layer on additional technologies to modernize the system to prevent fraud and to make
- There are layers of software as services on top and around the database, and then we have our fraud reduction
- That would require Salesforce licensing and then any other fraud prevention layering of software, FTE
FL
Florida 2025 Regular Session
April 2, 2025 - 04:00 PM
Transcript Highlights:
- CS for HB 1007 addresses the growing and costly issue of gift card fraud, a criminal enterprise that
- Gift card fraud can occur through various means, including altering barcodes, manipulating physical cards
- Gift card fraud can occur through various means, including altering barcodes, manipulating physical cards
- These schemes have resulted in meaningful financial losses for both consumers and businesses, while our
- fraudulently obtain or use gift cards. ...and third, it outlines criminal penalties, making gift card fraud
Summary:
The Judiciary Committee took up a long agenda of 20 bills, beginning with CS/HB 1173 on the Florida Trust Code, which clarified that the Florida Attorney General is the only public official with standing to enforce charitable trusts administered in Florida; it was amended and reported favorably. The committee also unanimously or near-unanimously approved several claims and relief bills, including HB 6507 for Marcus Button, HB 6523 for Darlene Engerville and J.R., HB 6525 for Eric and Jennifer Miles, HB 6529 for J.N., and HB 6519 for the estate of Beniel Hambier, all involving settlements or compensation for injuries or wrongful death. Other measures reported favorably included CS/HB 213 on commercial squatters, CS/HB 1447 on trespass at large-scale ticketed events, CS/HB 515 updating the Uniform Commercial Code for virtual currency and related technologies, CS/HB 1007 on gift card fraud, CS/HB 1049 on protection of court officials, CS/HB 1219 on non-compete and garden leave agreements, CS/HB 399 on stolen valor in the ethics code, CS/HB 57 on xylazine regulation, HB 901 on court-appointed psychologists, and CS/HB 265 on enforcing terrorism-related judgments against frozen assets. Most of these bills had support from industry, law enforcement, or affected parties and passed with little or no opposition.
The most contested measure was CS/HB 1517, which would expand Florida’s wrongful death statute to include parents of unborn children as survivors. Supporters argued it would allow families to recover damages when negligence causes the loss of a pregnancy, while opponents—including the ACLU of Florida, Planned Parenthood affiliates, reproductive rights advocates, and some committee members—warned it could be used to advance fetal personhood, chill medical care, and empower abusive partners or others to sue over abortion-related conduct. The sponsor said the bill remained within the wrongful death framework and included protections for mothers and lawful medical providers, but the committee still reported it favorably on a 14-6 vote. CS/HB 903, a corrections bill addressing inmate litigation, sentencing, execution methods, tracking devices, health services, and offender review appointments, also drew debate over a proposed tolling amendment and due process concerns; the amendment failed and the bill passed 16-5. CS/HB 57 on xylazine likewise saw debate over whether penalties should target users or traffickers, but the committee rejected a narrowing amendment and passed the bill 20-1.
Several bills were amended in committee, often with technical or clarifying changes, including CS/HB 1219, HB 1351 on sexual offender and predator registration, and HB 901. Public testimony was generally supportive on the non-controversial bills, especially from law enforcement, business groups, and affected claimants. At the end of the meeting, Rep. Gottlieb offered a personal correction, acknowledging he had wrongly criticized FOP in a prior meeting after learning the organization had, in fact, contacted him. The committee then adjourned after completing the full agenda.
TX
Transcript Highlights:
- virtual currency kiosks, commonly known as cryptocurrency ATMs, to combat their growing misuse and fraud
- It also provides for administrative procedure and appeal, fraud complaints and refunds, along with new
- These changes enhance consumer protections.
- And, of course, we all recall that in their testimony what we've heard is that this type of fraud usually
- mentioned, and South Texas Project led to billions of dollars in cost overruns and years of delays, and consumers
Keywords:
nuclear energy, Texas Advanced Nuclear Energy Office, energy policy, regulation repeal, state energy strategy, licensing, reciprocity, regulation, Texas Department of Licensing and Regulation, interstate agreements, advanced reactors, energy security, grant programs, HB 132, Texas Government Code Chapter 418, Public Information Act, confidential records, homeland security, foreign adversary, terrorism
Summary:
The committee first took up pending business and quickly reported several measures favorably, including HB 12, SB 1361, SB 1705, SB 1749, SB 1897, SB 2344, SB 2566, HB 3809, and HB 4215, with most sent to the Local and Uncontested Calendar. HB 12’s substitute clarified a limited midterm review of regulatory agencies tied to Sunset Commission recommendations. SB 2696’s substitute changed med spa regulation from a license to a certificate, with training instead of an exam, plus background checks, continuing education, and two-year renewals. HB 3809 dealt with battery energy storage decommissioning and recycling, and HB 4215 was reported without a substitute. SB 1978, concerning interconnection of electric facilities in ERCOT and federal jurisdiction concerns, was reported out on a 5-3 vote after debate, but then the chair later announced the bill was withdrawn and left pending subject to the call of the chair. HB 1899 was also reported favorably, with one nay.
A major portion of the meeting focused on HB 14, the advanced nuclear energy bill. Senator Schwertner described it as creating a Texas Advanced Nuclear Energy Office, a nuclear permitting coordinator, a development fund, a completion grant program, and a workforce development program. Testimony was sharply divided. Supporters, including representatives from Fermi America, Dow/X-energy, CPS Energy, Paragon Energy Solutions, Bridge to Nuclear, Aalo Atomics, and the Texas Association of Business, argued that Texas should lead in advanced nuclear, citing future baseload demand, data centers, industrial power needs, supply-chain development, and long-term energy diversification. Opponents, including Public Citizen, Texas Nuclear Watchdogs, Sierra Club, and individual citizens, argued the bill would subsidize unproven, expensive technology, create grants rather than loans, and expose taxpayers to major risk while doing little to meet near-term energy needs. Several members questioned whether the state should fund projects that may not produce grid power for years, and whether the bill’s grant structure and new office were justified.
The committee also heard HB 5061, which Senator Schwertner said would prohibit unethical surveillance and misuse of confidential information by state contractors, create a confidential reporting system through the State Auditor’s Office, authorize Texas Rangers investigations, protect whistleblowers, and impose penalties including contract termination, fines, and contracting bans. No public testimony was offered, and the bill was left pending. HB 132, sponsored by Senator Hughes, would extend confidentiality protections for sensitive information to hostile acts by foreign adversaries; it was also left pending after no testimony. HB 1584 was then laid out, with Senator Schwertner explaining it would require utilities to maintain and update priority restoration lists for critical facilities after Hurricane Beryl exposed communication failures, but the transcript cuts off before any action on that bill.
KY
Transcript Highlights:
- process to be qualified, to be credentialed, to be registered, that provides authenticity and avoids fraud
- :39.200>
authenticity <00:28:40.000>and <00:28:40.320>avoids <00:28:41.039>fraud - provides authenticity and avoids fraud. provides authenticity and avoids fraud.
- I work for the Kentucky Department of Agriculture as executive director for the Office for Consumer and
- 32:33.360>
for executive director for the Office for executive director for the Office for Consumer
Keywords:
00:00 - Call to Order/Roll Call
01:27 - Discussion of 26RS HB 470
29:05 - Roll Call Vote on 26RS HB 470
32:06 - Discussion of 26RS HJR 25
34:49 - Roll Call Vote on 26RS HJR 25
37:08 - Adjournment, 958, all
Summary:
The House Standing Committee on Health Services met with a quorum and took up House Bill 470, which was presented as a cleanup and delay measure related to peer support specialists and Medicaid reimbursement. The bill would extend the deadline for registered alcohol and drug peer support specialists to be Medicaid reimbursable, address issues created by delayed regulations under House Bill 505, remove a limit on direct client care hours, and create a work group to examine oversight and possible future board structure for peer professionals. The committee adopted a committee substitute before hearing testimony.
Bill sponsor Rep. Kim Moser and supporting witnesses said the change was needed because implementation problems and regulatory backlogs had created a peer support workforce shortage and confusion across multiple peer categories, including substance use, mental health, re-entry, and gambling peers. Elena Swezy argued the bill would stabilize the workforce, improve oversight, and allow time to develop a more effective credentialing framework. Frank Miller Jr. testified in opposition, arguing the bill lacked a proper enabling statute for Medicaid-related changes and would not be enforceable as written. Sarah Vaughn also raised concerns about the bill’s impact on mental health peer specialists, multispecialty behavioral health groups, and whether separate regulations would be needed for mental health and substance use services.
Committee members questioned the bill’s structure, fiscal impact, training costs, and whether the work group would be appointed or informal. Sponsors responded that the bill does not require providers to hire anyone, only sets registration requirements if they do hire substance-use peer specialists, and said the work group was intended to help develop a more unified oversight model. Several members expressed concern about the complexity of the issue and the short testimony time, while others supported the bill as a way to improve oversight and reduce fraud risk. The committee approved House Bill 470 as amended by the committee substitute, and then adopted a title amendment; the bill passed with favorable expression.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance May 13th, 2025
Transcript Highlights:
- Today, we're gonna go kick off the interim with an overview of what's gonna be uh consuming you throughout
- So they make up about 6% of total enrollment, they consume about 27% of spending.
- Consumer spending is down, uh, rates or interest rates are not dropping.
- If we could get what what's we're getting stolen and fraud and theft is $750 billion.
- So it helps track some fraud there.