Bills: HB2241 , HB1163 , HB1514 , HB1696 , HB2021 , SB2135 , SB2466 , SB2727 , SB3082 , SB3097 , SB2861 , SCR100 , SB3096 , SB99 , SB2138 , HB2289 , HB2319 , HB1711 , HB2270 , SB3138 , SB3076 , HB1642 , HB2338 , HB2171 , HB1785 , SB2881 , HB2505 , SB2552 , HB1518 , HB1815 , SB3125 , SB3234 , SCR162 , SB2614 , SB3118 , SB2053 , SB2494 , SB2851 , SB3073 , HB1678 , HB1721 , HB2475 , HB2246 , HB1667 , HB1516 , SB2532 , SB3131 , SB3154 , HB2297 , HB1737 , SB2143 , SB2398 , SB2623 , HB1740 , HB1920 , HB1682 , SB2153 , SB3140 , HB2158 , HB1718 , HB2207 , HB1801 , SB3229 , SB2338 , SB3069 , SB2600 , HB2300 , HB1800 , HB1960 , SB2999 , SB2060 , SB2866 , SB2239 , HB1741 , HB1713 , HB2023 , HB2417 , SB2877 , SB2598 , SB2921 , SB2645 , HB2547 , HB2275 , HB2452 , HB2329 , HB2339 , HB1838 , HB1509 , HB1661 , HB2271 , HB2272 , HB2344 , HB1888 , HB1707 , SB2340 , HB2474 , HB1576 , HB1853 , HB1804 , HB1854 , HB2095 , HB2050 , HB472 , SB3215 , SB2247 , SB2400 , HB1618 , HB1802 , HB1969 , HB1541 , HB2310 , HB2498 , HB2443 , HB2218 , HB649 , HB2104 , HB1710 , SB2802 , HB1973 , HB1974 , HB1894 , HB1891 , HB1890 , SB177 , SB2101 , SB3320 , SB2487 , HB2429 , HB1870 , HB1839 , HB2583 , HB1391 , HB2094 , SB2671 , SB2673 , SB2892 , SB2057 , SB3245 , HB306 , HB2592 , SB3157 , SB3204 , SB3324 , SB2580 , SB2074 , SB411 , SB3025 , SB2934 , SB2567 , SB2125 , SB3238 , SB2367 , SB2599 , SB3007 , SB2001 , SB2756 , SB3029

Keywords: renewable energy, income tax credit, solar energy, wind energy, low-income households, energy policy, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, commercial driving, driver's license

Transcript Highlights:

• </c> 2, House Draft 2, relating to insurance. 2, House Draft 2, relating to insurance.
• </c> and many of whom are under insured. and many of whom are under insured.
• <00:14:26.160><c> one</c> insurance commissioner is listening one insurance commissioner is listening
• by the insurance companies to affect<00:14:38.000><c> insurance</c><00:14:38.520><c> rates</c><00:14
• <00:14:50.880><c> companies</c><00:14:51.320><c> do</c> insurance companies do insurance companies do

Bills: HB2241 , HB1163 , HB1514 , HB1696 , HB2021 , SB2135 , SB2466 , SB2727 , SB3082 , SB3097 , SB2861 , SCR100 , SB3096 , SB99 , SB2138 , HB2289 , HB2319 , HB1711 , HB2270 , SB3138 , SB3076 , HB1642 , HB2338 , HB2171 , HB1785 , SB2881 , HB2505 , SB2552 , HB1518 , HB1815 , SB3125 , SB3234 , SCR162 , SB2614 , SB3118 , SB2053 , SB2494 , SB2851 , SB3073 , HB1678 , HB1721 , HB2475 , HB2246 , HB1667 , HB1516 , SB2532 , SB3131 , SB3154 , HB2297 , HB1737 , SB2143 , SB2398 , SB2623 , HB1740 , HB1920 , HB1682 , SB2153 , SB3140 , HB2158 , HB1718 , HB2207 , HB1801 , SB3229 , SB2338 , SB3069 , SB2600 , HB2300 , HB1800 , HB1960 , SB2999 , SB2060 , SB2866 , SB2239 , HB1741 , HB1713 , HB2023 , HB2417 , SB2877 , SB2598 , SB2921 , SB2645 , HB2547 , HB2275 , HB2452 , HB2329 , HB2339 , HB1838 , HB1509 , HB1661 , HB2271 , HB2272 , HB2344 , HB1888 , HB1707 , SB2340 , HB2474 , HB1576 , HB1853 , HB1804 , HB1854 , HB2095 , HB2050 , HB472 , SB3215 , SB2247 , SB2400 , HB1618 , HB1802 , HB1969 , HB1541 , HB2310 , HB2498 , HB2443 , HB2218 , HB649 , HB2104 , HB1710 , SB2802 , HB1973 , HB1974 , HB1894 , HB1891 , HB1890 , SB177 , SB2101 , SB3320 , SB2487 , HB2429 , HB1870 , HB1839 , HB2583 , HB1391 , HB2094 , SB2671 , SB2673 , SB2892 , SB2057 , SB3245 , HB306 , HB2592 , SB3157 , SB3204 , SB3324 , SB2580 , SB2074 , SB411 , SB3025 , SB2934 , SB2567 , SB2125 , SB3238 , SB2367 , SB2599 , SB3007 , SB2001 , SB2756 , SB3029

Keywords: renewable energy, income tax credit, solar energy, wind energy, low-income households, energy policy, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, commercial driving, driver's license

Bills: HB2241 , HB1163 , HB1514 , HB1696 , HB2021 , SB2135 , SB2466 , SB2727 , SB3082 , SB3097 , SB2861 , SCR100 , SB3096 , SB99 , SB2138 , HB2289 , HB2319 , HB1711 , HB2270 , SB3138 , SB3076 , HB1642 , HB2338 , HB2171 , HB1785 , SB2881 , HB2505 , SB2552 , HB1518 , HB1815 , SB3125 , SB3234 , SCR162 , SB2614 , SB3118 , SB2053 , SB2494 , SB2851 , SB3073 , HB1678 , HB1721 , HB2475 , HB2246 , HB1667 , HB1516 , SB2532 , SB3131 , SB3154 , HB2297 , HB1737 , SB2143 , SB2398 , SB2623 , HB1740 , HB1920 , HB1682 , SB2153 , SB3140 , HB2158 , HB1718 , HB2207 , HB1801 , SB3229 , SB2338 , SB3069 , SB2600 , HB2300 , HB1800 , HB1960 , SB2999 , SB2060 , SB2866 , SB2239 , HB1741 , HB1713 , HB2023 , HB2417 , SB2877 , SB2598 , SB2921 , SB2645 , HB2547 , HB2275 , HB2452 , HB2329 , HB2339 , HB1838 , HB1509 , HB1661 , HB2271 , HB2272 , HB2344 , HB1888 , HB1707 , SB2340 , HB2474 , HB1576 , HB1853 , HB1804 , HB1854 , HB2095 , HB2050 , HB472 , SB3215 , SB2247 , SB2400 , HB1618 , HB1802 , HB1969 , HB1541 , HB2310 , HB2498 , HB2443 , HB2218 , HB649 , HB2104 , HB1710 , SB2802 , HB1973 , HB1974 , HB1894 , HB1891 , HB1890 , SB177 , SB2101 , SB3320 , SB2487 , HB2429 , HB1870 , HB1839 , HB2583 , HB1391 , HB2094 , SB2671 , SB2673 , SB2892 , SB2057 , SB3245 , HB306 , HB2592 , SB3157 , SB3204 , SB3324 , SB2580 , SB2074 , SB411 , SB3025 , SB2934 , SB2567 , SB2125 , SB3238 , SB2367 , SB2599 , SB3007 , SB2001 , SB2756 , SB3029

Keywords: renewable energy, income tax credit, solar energy, wind energy, low-income households, energy policy, commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, workers' compensation, vocational rehabilitation, injury recovery, employment services, return to work, commercial driving, driver's license

Transcript Highlights:

• One of the practices in some litigation on the defense side is selling liability, to bundle liability
• Gary Gozo, Florida Insurance Council, waving in support. Katie Webb, APCIA, waving in support.
• Indemnification is security against legal liability for one's actions.
• Indemification is security against legal liability for one's actions.
• insurance.

Bills: S0144 , S0192 , S0332 , S0532 , S0620 , S0694 , S0820 , S0888 , S1000 , S1224 , S1396 , S1500

Committee: Senate Judiciary

Keywords: public records, employee protection, Judicial Qualifications Commission, information exemption, confidentiality, chiropractic physician, chiropractor, patient trust funds, escrow, advance payments, prepaid treatment, trust account, fiduciary duty, patient property, Florida Statutes 460.413, Board of Chiropractic Medicine, disciplinary action, commingling of funds, client funds, medical billing

Summary: The Senate Judiciary Committee met with a quorum present and first postponed SB 532. It then heard and approved SB 620, which requires candidates for federal, state, county, district, judicial, and school board office to disclose any citizenship other than U.S. citizenship. The bill drew one waiver in opposition from Common Cause and passed 8-0. The committee also heard SB 1396 on litigation financing consumer protection. Supporters said it would add transparency, limit funder control over litigation, and require disclosure of foreign entities involved in funding; opponents argued it would create strategic advantages for defendants and could burden plaintiffs. The bill passed 7-2. The committee later approved SB 192, repealing a $1,500 cap on patient funds held in trust by chiropractic physicians, and SB 888, extending limits on indemnity and insurance requirements for design professionals in private contracts; both passed unanimously among those voting. The committee also approved several Judiciary-related measures. CS/SB 332, as amended, creates a narrow temporary public meetings/public records exemption for certain pre-suit Burt Harris litigation strategy discussions by local governments, and passed 7-0. SB 820, which strengthens quarterly reporting requirements for problem-solving courts, passed 10-0. SB 1500, implementing probate process recommendations to raise small-estate thresholds, clarify access to safe deposit boxes, and improve enforcement in uncontested probate, also passed 10-0. SB 144, creating a public records exemption for personal information of current and former Judicial Qualifications Commission employees and their families due to harassment concerns, passed 9-1. The committee then approved CS/SB 1224, as amended, making it a third-degree felony to fraudulently obtain possession of a rental unit through false written statements, counterfeit documents, or impersonation; the bill passed 10-0. SB 1000, setting a floor and ceiling for interest rates on law firm trust accounts tied to the Wall Street Journal prime rate, passed 10-0 after testimony from banking and credit union representatives and support from Senate leadership. Finally, CS/SB 694, providing compensation to the descendants of the Groveland Four, was heard with emotional testimony from family members and advocates describing the wrongful convictions, killings, and decades-long effort for redress; an amendment specified equal shares for the four families, and the bill passed 10-0. Several members requested to be recorded as voting in the affirmative on specific bills before the committee adjourned.

Transcript Highlights:

• </c><03:23:41.960><c> of</c> acred liability of acred liability of 11.1<03:23:44.199><c> you</c><03:23
• </c> un the unfunded acred liability un the unfunded acred liability by by by group<04:33:25.840><c>
• They had to look at purchasing life insurance and disability insurance benefits, which cost would be
• disability insurance insurance and disability insurance benefits<05:15:00.040><c> which</c><05:15:00.600
• You don't have any insurance.

Keywords: 928, house, all

Summary: The committee first took up House Bill 622, but after the sponsor said further research raised concerns, he asked that the bill be tabled. The committee then moved in executive session and voted unanimously to find the bill inexpedient to legislate, sending it to consent. The committee also retained House Bill 349, the ophthalmologic laser bill, after members said more time was needed for the professions involved to work out training standards and provide additional information; that motion also passed unanimously. The committee then discussed House Bill 244, a municipal building/fire code recodification measure. Members said the bill needed more review and careful scrutiny because of its length and possible unintended effects, and they voted unanimously to retain it as well. House Bill 534 was then heard; the sponsor said the bill did not do what was intended because of a misunderstanding about current processing, and the committee voted inexpedient to legislate and placed it on consent. The committee next considered House Bill 233, with an amendment to remove a requirement affecting the New Hampshire Vaccine Association. Supporters argued the bill would reduce an unnecessary burden and improve transparency, while opponents said the committee should not single out one private 501(c)(3) organization. The amendment was adopted 8-5, and the bill as amended then passed 7-6; a minority report was requested. Finally, the committee opened House Bill 536, a proposed 1.5% cost-of-living adjustment for certain state retirees. The sponsor and supporters argued retirees had not received adequate COLAs and that the bill would help offset inflation, while the retirement system testified that the proposal would add significant costs, including an estimated $1.5 million for the state, $6.6 million for political subdivisions, and about $100.7 million in present-value unfunded liability, with the impact reflected in future employer contribution rates.

Transcript Highlights:

• Referred to the Committee on Insurance.
• Referred to the Committee on Insurance.
• rates for the Committee on Insurance.
• for the Committee on Insurance.
• HB 3520 by Spiller relating to the automobile liability insurance requirements for transportation network

Summary: The House met briefly to read a large number of first-reading bills, joint resolutions, and concurrent resolutions and refer them to the appropriate committees. The measures covered a wide range of topics, including public health, education, criminal justice, taxation, transportation, water and natural resources, elections, housing, veterans issues, local government, and constitutional amendments. Several bills focused on school policy, health care regulation, property tax and sales tax changes, criminal penalties, and local or state agency authority. Among the notable items were proposals on name and sex changes on birth records, college admissions inquiries into criminal history, foster care contractor liability, school nutrition and assessment policy, election procedures, homestead and franchise tax exemptions, public retirement system reporting, and numerous transportation and infrastructure measures. The House also received resolutions designating local honors and observances, including Brownsville as the bicycling capital of the Rio Grande Valley, Port Aransas as the fishing capital of Texas, and Selena Quintanilla Perez Day. Some measures proposed constitutional amendments on legislative procedure, homestead taxation, and election-law enforcement authority. No debate or testimony occurred in this segment; the action was limited to first reading and referral. The session also referred several resolutions to the Local and Consent Calendars. At the end of the proceedings, the House adjourned without objection until 2 p.m. Tuesday.

Transcript Highlights:

• products, whether it's health insurance, life insurance, or some kind of retirement account.
• So disability insurance, health insurance, income replacement insurance, life insurance, retirement benefits
• , or unemployment insurance.
• Along with that, though, we require employers to carry workers' comp insurance.
• .. ...limited liability company that doesn't have a commercial location, or if the limited liability

Keywords: 989, all

Transcript Highlights:

• Your insurance companies, multiple insurance companies, work with Safelite Solutions because they're
• Your insurance companies, multiple insurance companies, work with Safe Flight Solutions because they're
• extended insurance warranties.
• You know, I think when it comes to auto glass, it's one of the few areas in insurance where liability
• We're not changing the underlying liability.

Committee: House Judiciary

Keywords: 988, house, all

Transcript Highlights:

• Can you speak to the insurance implications on this?
• So there's no guarantee that you're going to have insurance.
• So I think the insurance deal would be no different.
• LLCs don't stand for a limited liability corporation.
• Sure, any HOA can say..." for a limited liability corporation, it's limited liability company, and are

Keywords: 959, house, all

Summary: The House established a quorum and then took up several bills for perfection and printing. House Bill 2189, sponsored by the Jasper member, would allow five-year vehicle registrations, eliminate the old even/odd model-year registration rule, and limit the five-year option to vehicles six years old or newer. Members discussed how the bill would interact with emissions, safety inspections, insurance verification, and county tax collection systems. House Amendment 1, which set the five-year fee at $45, was adopted, and the bill was then perfected and printed. The chamber next considered House Committee Substitute for House Bill 1790, a ballot-language measure sponsored by the St. Louis County member. The bill requires clearer ballot wording for local tax levies, including stating levy amounts in dollar terms, alphabetic labeling of propositions, disclosure when a measure would nullify a prior sunset, and a rollback rule tied to reassessment years and voter-approved levies. Members generally supported the transparency goals, and a drafting correction amendment adding a comma was adopted before the committee substitute was perfected and printed. House Committee Substitute for House Bill 2178, sponsored by the Pike member, drew the most extended debate. The bill would limit commercial property assessment increases to 15% per reassessment cycle, require a physical inspection if increases exceed that threshold, and require Board of Equalization decisions by the end of September or revert to the prior year’s assessment. Amendments were adopted to add short-term rental protections so assessors cannot reclassify residential short-term rentals as commercial property, to incorporate ballot-language provisions from other bills, and to add taxpayer protections requiring clearer assessment notices, faster refunds, and litigation-cost recovery in some successful appeals. The body adopted House Amendment 1 by roll call, 92-43 with 5 present, and later adopted House Amendments 2 and 3; House Amendment 4 was then taken up for further discussion at the end of the transcript.

Transcript Highlights:

• service professionals, and qualified autism service paraprofessionals from the health and safety insurance
• The autism insurance mandate was passed in 2011.
• It required insurance coverage for behavioral health treatment for individuals with autism and pervasive
• placed the qualifications for BHT-preventive providers, the QASPs, and the health and safety and insurance
• And our bill is not, our bill is only adding strict liability to online marketplace.

Committee: House Business and Professions

Keywords: 988, house, all

Transcript Highlights:

• When I started selling truck insurance, long-haul liability was $1,200. It's been a while. Yeah.
• What happens is they've got no insurance—when I say no insurance, no towing and recovery insurance.
• So how many other states have a minimum insurance liability like this in state law?
• Self-insured, under-insured, no insurance.
• When I suspended my authority in 2011, I was paying $12,000 a year for primary liability and cargo insurance

Committee: House Transportation

Keywords: 959, house, all

Transcript Highlights:

• Scott Maddial, waiving support, Personal Insurance Federation of Florida, and Matthew Posgay, TNC insurance—oh
• , I'm sorry, the topic is TNC insurance.
• Madiow, Waving Support Personal Insurance Federation of Florida, and Matthew Posgay, TNC insurance, oh
• Progressive, who I know insures or did insure Uber for quite a while, can compare the Uber cases versus
• They didn't have liability insurance, and then we provided that coverage.

Committee: Senate Banking and Insurance

Summary: The committee heard several bills and amendments, beginning with CS/SB 498 on trust fund interest for IOTA accounts. The sponsor said a 2023 Florida Supreme Court rule sharply increased interest paid into legal aid funding, creating a windfall and making participation difficult for banks. An amendment was adopted requiring savings institutions to pay the higher of 0.25% or the highest comparable rate offered on certain non-IOTA accounts, and the bill then passed favorably after testimony from banks, legal aid representatives, and other stakeholders both supporting and opposing the measure. The committee also approved CS/SB 232, which clarifies Florida’s consumer collection law applies only to phone calls during restricted hours and not emails or text messages, after a delete-all amendment and supportive testimony from industry groups. It then approved SB 132, as amended, to designate gold and silver as legal tender and set rules for custody, audits, electronic transfer, and government acceptance of payments; supporters called it a sound-money measure, while the banking association said it still had unresolved technical concerns. Later, the committee passed SB 1466 to create a trust fund for the My Safe Florida Home Program, with an amendment funding it from 20% of collected insurance premium tax revenue. It also considered SB 1206 on transportation network company insurance, reducing coverage during the “dead-leg” period before a rider is picked up from $1 million to lower limits; the bill drew sharp opposition from trial lawyers and support from insurers and some business groups, and the committee adopted a clarifying amendment before reporting the bill favorably. Finally, CS/SB 924 on fertility preservation for cancer patients was amended several times to narrow scope and clarify coverage rules, then passed favorably after debate over cost, preauthorization, and post-treatment storage obligations. The committee adjourned after allowing technical and conforming changes to implement the adopted amendments.

Transcript Highlights:

• , for example, payment protection insurance.
• And I know you talked about liability and the chargeback process as part of liability within the card
• Would you mind just expanding upon liability overall within the network?
• Because it’s not just the merchants that take the liability, but issuing banks.
• Act, specifically spells out where fraud liability lies within the system.

Keywords: 1212, all

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Business held a public hearing focused on credit card interchange fees, cashless transactions, chargebacks, fraud, and possible reforms affecting small businesses in Massachusetts. Chair Paul Feeney opened the meeting, outlined the commission’s charge, and noted that the hearing would hear from small business owners, industry representatives, and others on the effects of payment trends and proposed policy changes. Representative Sean Garballey testified first, arguing that universal card acceptance and the current interchange system are important to Massachusetts tourism and should not be disrupted ahead of a busy summer season. A large portion of the hearing featured independent restaurant owners and advocates, who said processing fees are especially burdensome because restaurants operate on very thin margins and are charged fees on sales tax and tips that are not retained as revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, and Kerry Colzer described rising operating costs and gave examples of annual or monthly fee totals, urging relief from fees on tax and gratuity amounts. Ryan Lotz also asked for chargeback reforms, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, proportional fees, and safeguards against repeat abuse. Several witnesses, including Dan Swanson, argued that states have authority to regulate aspects of the payment system and cited the Illinois litigation and federal court rulings as support for state action. Opposing testimony came from credit unions, banks, payment industry representatives, and policy groups, who warned that changing interchange rules could create compliance burdens, reduce rewards, raise account fees, and shift costs elsewhere. Witnesses such as Alex Vereen, Brad Popolado, Keely McEwen, David Montero, Hunter Hamburlin, and Luke Bondar emphasized fraud prevention, network security, consumer protections, and the need for a stable, uniform payment system. Some suggested alternatives such as vendor compensation, surcharging, instant payments, or QR pay code standards, while others argued that sales tax and tip amounts cannot easily be separated within current card-network architecture. The chairs said the commission is still exploring options, discussed possible state-level solutions, and announced plans for one more public hearing before moving toward recommendations and a report. The commission then voted to adjourn.

Transcript Highlights:

• When the voluntary insurance Thanks. Who can't find insurance anywhere else.
• So it wasn't a wildfire insurer when we were established; it was riot insurance.
• It was getting insurance to urban areas who couldn't get insurance anywhere else.
• So this is mostly traditional reinsurers, which are insurers for insurance companies.
• Unlike housing insurance, we don't have any admitted insurers in California offering liability insurance

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focusing on its rapid growth, financial stability, rate adequacy, and role in the homeowners insurance market. Committee members described the Fair Plan as increasingly functioning as a “safety net” rather than a true insurer of last resort, while Fair Plan representatives said the plan was created by statute, is privately funded by member insurers, and is now taking on more business because of non-renewals and limited availability in the admitted market. They emphasized that the plan offers residential and commercial coverage, but not a full HO-3 homeowners policy, and said expanding into that product would require major new staffing, vendor, and claims infrastructure. A major topic was pricing and assessments. Fair Plan officials said their rates have historically lagged their projected costs, especially because reinsurance costs were not fully recoverable in rates until recently. They reviewed recent filings, including a 2023 filing that was reduced from an estimated 80% need to a 35.8% request after working with the Department of Insurance. They also discussed the plan’s reinsurance tower, a new catastrophe bond, and the $1 billion assessment triggered by the 2025 Los Angeles fires after losses exceeded available capital. They said AB 226 helped secure a $600 million line of credit to reduce assessment risk, and they thanked lawmakers for supporting that measure. Members raised constituent concerns about coverage limits, underinsurance, and misinformation from agents. Fair Plan officials said they do not deny applicants because their homes exceed the plan’s $3.3 million limit; instead, policyholders can combine Fair Plan coverage with excess insurance. They said broker training and webinars are being expanded to address misunderstandings, and they noted that raising the cap would depend on achieving actuarially sound rates and sufficient financial capacity. Members also asked about smoke claims from the 2025 fires; the Fair Plan said it has paid covered smoke claims under California law, reviewed closed claims, and removed the “sight and smell” language from its policy form after litigation and CDI action. Public commenters from the insurance industry, builders, agriculture, and nonprofit service providers largely urged faster depopulation of the Fair Plan, more adequate rates, and reforms to the clearinghouse process. Some warned that the Fair Plan is now competing with the admitted market because it can be cheaper in some areas, while others said the plan is still essential because the private market is not serving high-risk or specialized properties. The hearing ended without a vote or formal action, but committee members and Fair Plan representatives agreed to continue working on rate, transparency, and depopulation issues.

Transcript Highlights:

• , for example, payment protection insurance.
• Under Regulation Z, the same limited-liability standard applies to credit cards.
• Under Regulation Z, the same limited liability standard applies to credit cards.
• And I know you talked about liability and the chargeback process as part of liability within the card
• Would you mind just expanding upon liability overall within the network?

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing chaired by Senator Paul Feeney and Representative Jamie Murphy. The commission reviewed its charge to gather input on payment trends, cashless transactions, credit card fees, mobile payments, buy now/pay later, and related issues affecting small businesses. Representative Sean Garballey testified in support of maintaining the current card system, emphasizing tourism’s importance to Massachusetts and arguing that universal card acceptance and interchange stability are especially important with major upcoming events and visitors. A large portion of the hearing focused on independent restaurants and small businesses arguing that credit card processing fees are burdensome and unfair when applied to sales tax and gratuities that are not business revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others described razor-thin margins and said restaurants pay fees on money passed through to the state or employees. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses first, and making fees proportional. In response, credit union and banking representatives, including Alex Vereen, Brad Popolado, Deb Peters, and Keely McEwen, argued that interchange funds fraud protection, card infrastructure, and consumer protections, and warned that state-specific changes could create compliance burdens, higher costs, or reduced access to services. Several witnesses addressed legal and policy questions. Dan Swanson and David Montero said states have authority to regulate aspects of the payment system, but Montero warned that state-specific rules could create uncertainty and conflict with federal banking law. Julian Morris and other industry witnesses argued that card payments benefit consumers and merchants by reducing cash-handling costs and increasing spending, while critics of reform said changes could shift costs into bank fees or reduced rewards. Commission members questioned whether sales tax could be separated from card transactions, whether surcharging should be considered, and whether vendor compensation or other state-level relief might be more workable. The chairs said they were exploring a narrower, targeted approach rather than a broad overhaul, and announced plans for one additional public hearing to allow further testimony.

Transcript Highlights:

• AND SINCE 2019 WE HAVE HAD 13 DIFFERENT INSURANCE COMPANIES STOPPED WRITING MEDICAL MALPRACTICE LIABILITY
• INSURANCE FOR HOSPITAL SYSTEMS.
• IT IS ONLY SERVED TO INSULATE THE INSURERS.
• YOU COMPARE THIS TO UM CLAIMS AND AUTO INSURANCE.
• MARK DEGAULLE WAIVING FLORIDA INSURANCE WAIVING AGAINST.

Keywords: 999, senate, all

Transcript Highlights:

• insurance coverage.
• insurance of your neighbor?
• This bill doesn't mention insurance.
• Florida Insurance Council is the largest state trade association of insurers.
• Finally, from an insurance perspective, liability costs fall under section two of your policy, not section

Committee: Senate Judiciary

Summary: The Judiciary Committee heard Senate Bill 1272 on guardianship, which would limit a guardian’s ability to isolate an adult ward from family and require notice of major events such as a ward’s death or relocation to a more restrictive setting. Senator Jones and supportive speakers said the bill was intended to protect wards from abuse and isolation by bad actors, while still preserving good-faith guardianship. With no opposition testimony or debate, the committee voted 8-0 to report the bill favorably. The committee then considered CS for Senate Bill 1284, which would expand Florida’s Wrongful Death Act to allow civil claims for the death of an unborn child. An amendment was adopted to define “unborn child” as a member of the species Homo sapiens carried in the womb and to state that the act does not authorize claims against the mother or against health care providers acting within the lawful standard of care. The bill drew extensive debate and testimony. Supporters argued it would give parents parity and fuller damages, including economic losses and mental anguish, when negligence causes the death of an unborn child. Opponents, including the ACLU, medical professionals, and reproductive rights advocates, warned it could be used to target abortion care, increase malpractice exposure, worsen physician shortages, and create speculative damages. The committee approved the bill 6-4. Finally, the committee took up Senate Bill 1288 on parental rights, with a strike-all amendment that would strengthen parental control over minors’ medical decisions, surveys, and biofeedback devices, while adding exceptions for emergencies, court orders, certain legal statuses, and situations involving abuse or out-of-home placement. Supporters said the measure restores parents as primary decision-makers and protects children from inappropriate questioning or treatment without consent. Opponents argued it could block minors from confidential care for STIs, mental health, or abuse-related issues, and could chill school and medical screenings. The transcript ends during testimony and debate on this bill, before any final vote is shown.

Transcript Highlights:

• The Committee on Banking and Insurance will now come to order. Madam Clerk, please call the roll.
• And the compromise that you all reached almost 10 years ago for liability insurance was a good compromise
• And to decrease the need for liability insurance during that dangerous time just doesn't make sense.
• Insurance companies refused to pay.
• Insurance often labels them as extras or recreational.

Summary: The Banking and Insurance Committee took up several bills, beginning with CS/SB 326, which modernizes Florida’s curator statute in probate law by clarifying when curators may be appointed, what they may do, and the oversight required. The bill was reported favorably without opposition. The committee then heard SB 1256 on pharmacy audits, which would require PBM audits of pharmacies to follow uniform standards and provide due process protections; pharmacists testified in support, describing current audits as burdensome and conflicted. That bill was also reported favorably. Members next considered CS/SB 598 on funeral, cemetery, and consumer services. An amendment was adopted removing provisions on civil damage caps and phasing out direct disposers, and the bill was then reported favorably. SB 632, dealing with transportation network company insurance, would set coverage requirements for the period after a ride is accepted but before pickup; an opponent argued the existing insurance framework should not be reduced, but the bill passed on a divided vote and was reported favorably. CS/SB 786 on trusts, creating a nonjudicial process to close uncontested trusts and discharge trustees, was supported by banking and legal groups and reported favorably. The committee then took up CS/SB 1110 on Medicaid, health insurance, and HMO coverage for orthotics and prosthetics. A delete-all amendment clarified eligible recipients, and the bill drew extensive emotional testimony from amputees, parents, and advocates describing the high cost of activity limbs and the benefits for children’s health and participation. Several senators praised the testimony and the policy, and the bill was reported favorably. Finally, SB 1588 on legal tender refined last session’s gold-and-silver law, and SPB 7044 created related public-records exemptions for custodians of gold and silver; both were reported favorably, with SPB 7044 adopted as a committee bill. The meeting ended with senators recording additional affirmative votes on selected bills and adjournment.

Transcript Highlights:

• That's the majority of our tax liability is based on that.
• Doc stamps is 70 cents for every $100 of value, and insurance premium tax is 1.75%.
• So just under 2% for tax on insurance premiums that are collected.
• And so it's only for those people that have liability beyond that, that you apply.
• And so it's only for those people that have liability beyond that, that you apply the rate to.

Committee: Senate Finance and Tax

Summary: The Senate Committee on Finance and Tax convened with a quorum present, heard an introductory presentation of committee staff, and then received a staff briefing from Azar Khan on Florida’s state tax structure and revenue outlook. The presentation covered fiscal year 2023-2024 revenues, noting more than $127 billion in total state revenue, with general revenue exceeding $48 billion and sales and use tax making up the largest share. It also compared Florida’s tax burden to other states, highlighted Florida’s low per-capita revenue ranking and strong business formation numbers, and reviewed major and minor revenue sources, tax rates, and the revenue estimating conference process. Members asked about what drives revenue growth, including population, tourism, construction, and auto sales, and about Florida’s regressivity, corporate income tax participation, and investment earnings on state balances. Khan said the state’s revenue picture remains positive and stable, but that future growth is slower than during the COVID-era spike; he also explained that some negative forecast changes were tied to legislative actions such as the insurance premium tax credit, while others reflected lower tobacco consumption and severance activity. He noted that revenue and spending forecasts are separate and that budget-side growth is driving concerns raised in other state economic projections. The committee also discussed possible tax package ideas for the upcoming session, including tax holidays and homeowner relief, but no specific proposals were acted on. The chair announced the committee would not meet the following week and that the next meeting would be in week three of February. The meeting concluded with no objections to a motion to adjourn.

Transcript Highlights:

• Business and Insurance will meet in 15 minutes, and we do have a new location this week.
• We have several members presenting in Business and Insurance, so the Energy Committee will be at the
• We will have Veterans and Military Affairs immediately after Business and Insurance.

Bills: HB3257 , HB3176 , HB3544 , HB3619 , HB3546 , HB1782 , HB2293 , HB4358 , HB3081 , HB3983 , HB3790 , HJR1023 , HB4139 , HB3297 , HB3041 , HB3673 , HB4105 , HB3338 , HB3048 , SR33 , SCR21 , SCR20 , HB4030 , HB4031 , HB4032 , HB4034 , HB4036 , HB4037 , HB4038 , HB4040 , HB4041 , HB4042 , HB4043 , HB4045 , HB4046 , HB4047 , HB4048 , HB4044 , HB4050 , HB4051 , HB4052 , HB4053 , HB4054 , HB4056 , HB4057 , HB4071 , HB4065 , HB4067 , HB4072 , HB2992 , HB4338 , HB4170

Keywords: veterans, disability benefits, federal law, Oklahoma Statutes, military service, Oklahoma, Gas Hub, artificial intelligence, national laboratory, public-private partnerships, aerospace, high-performance computing, economic development, social AI companions, minors, emotional attachment, safety protocols, civil penalties, parental controls, geographic information