Transcript Highlights:

• We are humbled by the gift of service to this great home of ours, New Mexico.
• think that there are incredible gifts that kind of emanate out of this building, and democracy and service
• There's a certificate of recognition for family and consumer services that Senator Harmeo will do, and
• Senator Hermio, certificate of recognition for family and consumer services.
• To date, they've collectively put in 1,428 hours of community service.

Keywords: 996, all

Transcript Highlights:

• And so then it asks me to put in a six-digit code. I put in my six-digit code and it goes through.
• Everyone's understanding what the services are.
• Everyone's understanding what the services are.
• I know Matt Mack has his bill dealing with autism services, ABA service.
• I know Matt Mack has his bill dealing with autism services, ABA services. That's moving forward.

Bills: SB57, SB405, HB62, HB193, HB203, HB222, HB246, HB420, HB475, HB486, HB574, HB584, HB815, HB949, HB1092, HB1214

Keywords: SB 57, Act 735, Act 463, nutrition, public health, food additives, artificial colors, banned chemicals, ingredient labeling, food labeling, FDA, food and beverage regulation, consumer disclosure, school nutrition, Louisiana Revised Statutes Title 40, Louisiana Revised Statutes Title 17, food manufacturers, food retailers, compliance, effective date delay

Transcript Highlights:

• So that's in my suite of services that we provide for the institution.
• So that's in my suite of services that we provide for the institution.
• So that's in my suite of services that we provide for the institution.
• So that's in my suite of services that we provide for the institution.
• <01:11:17.560> UC university um University of Florida UC university um University of Florida

Keywords: 910, house, all

Transcript Highlights:

• My name is John Harris-Mauer on behalf of Equality Florida, and Equality Florida opposes SB 1288.
• Florida opposes this bill.
• Florida opposes this bill.
• Florida PTA waves in support.
• Thank you, members of the committee, for your service in Florida. I waive in support.

Summary: The committee first took up CS/SB 1606 on patient access to records. The sponsor explained that the bill, as amended, would align Florida law more closely with HIPAA by defining “designated record set,” requiring providers to furnish requested records within set timeframes, allowing a limited extension with notice, and requiring records to be produced in the requested form if readily producible. Several members asked about patient portals, legal representatives, and whether the bill affected meaningful-use rules or post-mortem access. Multiple witnesses opposed the bill, arguing it could create cybersecurity risks, conflict with existing privacy rules, and burden providers; supporters said it would improve patient access and consistency. The committee adopted the amendment and then reported the bill favorably. The committee then considered CS/SB 712 on construction regulations. The bill would direct DEP to establish rules for synthetic turf and limit local governments from banning it if state rules are followed, while also addressing change orders, public works bidding, elevator rails, alarm contractor work, building code updates, spaceport exemptions, permit document limits, and single-trade inspections. Amendments removed the pool and spa contractor provisions and the tall mass timber language. Testimony on the bill centered heavily on the pool industry, with contractors and the Florida Swimming Pool Association opposing expansion of scope to general and building contractors, while some speakers supported other parts of the bill. After adopting the amendments, the committee reported the bill favorably. Finally, the committee heard CS/SB 1288 on parental rights. The bill would allow minors to be tested for STDs without parental consent but require parental consent for treatment, expand parents’ rights to access records and control certain health decisions, and restrict health care services, medical procedures, and biofeedback devices for minors absent consent or an exception. An amendment moved survey and questionnaire provisions into the education code, added an explicit court-order exception, clarified DNA and biofeedback provisions, and added emergency behavioral health exceptions. The committee heard extensive public testimony both for and against the bill, with supporters emphasizing parental authority and opponents warning it could delay STI treatment, mental health care, and other services for vulnerable minors. The transcript ends during public testimony on the bill, before any final committee action is shown.

Transcript Highlights:

• to child welfare services.
• . >> Uh, first we have the Department of Human Services in support.
• Do we have Department of Health Environmental Health Services Division in support?
• <01:49:49.119> division environmental health services division environmental health services
• We have HB 1565 HD2, relating to child welfare services.

Bills: HB1183, HB1656, HB1658, HB1661, HB1663, HB1664, HB1859, HB2116, HB2271, HB2276, HB2335, HB2360, HB2387, HB2472, HB1805, HB2469, HB1815, HB1860, HB2117, HB2118, HB2437, HB2438, HB2604, HB1590, HB2156, HB2268

Keywords: retirement, pension, law enforcement, public safety, Hawaii Revised Statutes, indebtedness, salary recovery, employee compensation, deductions, financial management, collective bargaining, employee relations, impasse procedures, arbitration, public employment, HB1661, cafeteria plan, Section 125, Internal Revenue Code, flexible spending account

Bills: SB15, SB65, SB241, SB304, SB402, SB413, SB427, SB499, SB583, SB621, SB673, SB840, SB850, SB854, SB974, SB1023, SB1024, SB1025, SB1106, SB 15

Keywords: SB 15, Texas Local Government Code, zoning preemption, housing affordability, small lots, lot size, lot density, single-family zoning, residential subdivision, municipal land use, local control, state preemption, parking requirements, setbacks, infill development, missing middle housing, lot width, lot depth, homebuilders, housing supply

Transcript Highlights:

• I am the Deputy Secretary for the Division of Student Support Services within the PED.
• I will tell you that RAND, Phones in Focus, a private firm in Florida, has seen a lot of progress when
• I am the Deputy Secretary for the Division of Student Support Services within the PED.
• I will tell you that RAND, phones in focus, a private firm in Florida, have seen a lot of progress when
• I will tell you that there was private research done for Florida schools.

Bills: SB23, SB73, SB210, SB234, SB243, SB244, SM16

Keywords: student use, wireless devices, public schools, policy implementation, education technology funding, driver education, driver's ed, driving school, motorcycle safety, traffic safety, vulnerable road users, pedestrian safety, bicycle safety, cyclist, bike lane, micromobility, scooter, moped, motorcycle training, DWI prevention

Transcript Highlights:

• I am the Director for the City of Dallas's Animal Services Department.
• Currently, Dallas Animal Services has an average of over...
• Certificate Title for Vessels Act, which is already in place in Florida.
• As you said, both North Carolina and Florida have already done that.
• Florida and Alabama have already passed laws.

Bills: SB34, SB119, SB261, SB532, SB1035, SB1245, SB1247, SB1267, SB1442, SB1930, SB1948, SB2078, SB2112, SB2143, SB2155

Keywords: wildfire, wildfire mitigation, wildfire prevention, volunteer fire department, Texas A&M Forest Service, West Texas A&M University, prescribed burning, fuel loading, fuel reduction, firefighting equipment database, emergency communications, disaster preparedness, rural fire protection, asset hardening, natural resource management, emergency management, large wildfire risk, fire grant funding, fire suppression, Texas Legislature

Transcript Highlights:

• The Florida swimming pool industry is about a $12 billion annual business, employs thousands of Florida
• Employed thousands of Florida citizens, generate hundreds of millions of dollars annually in Florida
• My name is John Harris-Maurer on behalf of Equality Florida, and Equality Florida opposes SB 1288.
• Florida opposes this bill.
• Thank you, members of the committee, for your service in Florida. I wave in support. Karen Doyle...

Summary: The committee first took up CS/SB 1606 on patient access to records. Sponsor Senator Grall explained an amendment that aligned the bill more closely with HIPAA by defining “designated record set,” allowing a 14-day extension, and requiring records to be produced in the requested form if readily producible. Several senators asked about patient portals, legal representatives, and whether the bill applied post-mortem; Grall said the bill was limited to authorized access during the patient’s life. Testimony was largely opposed, with health information and provider groups warning that the bill could create cybersecurity risks, conflict with HIPAA and meaningful-use rules, burden facilities, and improperly broaden access to portals and sensitive records. Supporters argued it would improve patient access and speed. The amendment was adopted, and the bill was reported favorably by roll call vote after debate on the bill as amended. The committee then considered CS/SB 712 on construction regulations. Grall described provisions on synthetic turf, change orders, public works bidding, elevator rails, alarm contractor scope, tall mass timber, pool and spa contractor scope, spaceport exemptions, permit document limits, and solar/energy storage inspections. Two amendments were adopted: one removed pool and spa contractor language and delayed the change-order provision until July 1, 2025; the other removed the tall mass timber section. Pool contractors testified against the scope expansion in the original bill, while others supported the remaining provisions. Senators raised concerns about the Florida Building Commission process and how the public-works language might affect small-business participation, but the bill as amended was ultimately reported favorably. Finally, the committee heard CS/SB 1288 on parental rights. Grall said the bill would require parental consent for most minor health care decisions, allow parental access to records, restrict surveys/questionnaires, and limit use of biofeedback devices, while preserving certain exceptions such as emergency care and STD testing. An amendment clarified questionnaire opt-outs for K-12 students, added court-order exceptions, addressed DNA sampling for criminal investigations, refined biofeedback language, and added emergency behavioral health exceptions; it was adopted. The bill drew extensive testimony both for and against: supporters said it restored parental authority and protected children from decisions they are not equipped to make, while opponents argued it would endanger minors seeking confidential STI, mental health, or abuse-related care, especially in unsafe homes. Senators also debated whether the bill would conflict with existing laws and whether it could leave some minors untreated. The transcript ends during continued public testimony on the bill.

Transcript Highlights:

• Chief, thank you for your service and welcome to the Florida House. [APPLAUSE]. [APPLAUSE].
• Or any debt service.
• voluntary mental health services, involuntary substance abuse services.
• Welcome to the Florida House. Welcome to the Florida House. Glad you are with us today.
• Welcome, Natalie, to the Florida House. Welcome to the Florida House. Read the next bill.

Bills: HB 118, HB 388, HB 114, HB 205, HB 2789, HB 2791, HB 499, HB 2960, HB 3163, HB 3135, HB 2427, HB 1618, HB 1672, HB 1722, HB 1338, HB 787, HB 2618, HB 879, HB 1126, HB 4134, HB 3513, HB 718, HB 1536, HB 1445, HB 1640, HB 1893, HB 1734, HB 3229, HB 3306, HB 1276, HB 3272, HB 3276, HB 3516, HB 4145, HB 1585, HB 4810, HB 2989, HB 2558, HB 3014, HB 2742, HB 1695, HB 29, HB 125, HB 145, HB 171, HB 255, HB 50, HB 363, HB 116, HB 491, HB 1495, HB 368, HB 1285, HB 1905, HB 2002, HB 917, HB 2723, HB 2067, HB 1238, HB 745, HB 1188, HB 1606, HB 2003, HB 2147, HB 2355, HB 2546, HB 2495, HB 2818, HB 2249, HB 3228, HB 3240, HB 1507, HB 658, HB 1748, HB 1851, HB 1922, HB 2798, HB 107, HB 1587, HB 3684, HB 118, HB 388, HB 114, HB 205, HB 2789, HB 2791, HB 499, HB 2960, HB 3163, HB 3135, HB 2427, HB 1618, HB 1672, HB 1722, HB 1338, HB 787, HB 2618, HB 879, HB 1126, HB 4134, HB 3513, HB 718, HB 1536, HB 1445, HB 1640, HB 1893, HB 1734, HB 3229, HB 3306, HB 1276, HB 3272, HB 3276, HB 3516, HB 4145, HB 1585, HB 4810, HB 2989, HB 2558, HB 3014, HB 2742, HB 1695, HB 609, HB 630, HB 420, HB 767, HB 1708, HB 1404, HB 2457, HB 140, HB 227, HB 913, HB 2198, HB 2763, HB 1261, HB 1135, HB 1318, HB 2358, HB 2765, HB 2735, HB 3307, HB 1242, HB 2842, HB 333, HB 201, HB 694, HB 2415, HB 155, HB 272, HB 405, HB 519, HB 1136, HB 1275, HB 1437, HB 1532, HB 1675, HB 1868, HB 1888, HB 1990, HB 2286, HB 2523, HB 3129, HB 3251, HB 3354, HB 3479, HB 3803, HB 3804, HB 3805, HB 3806, HB 3887, HB 4163, HB 4238, HB 1240, HB 1842, HB 2029, HB 2622, HB 3255, HB 654, HB 4643, HB 4945, HB 3611, HB 3724, HB 3623, HB 3810, HB 4127, HCR 78, HCR 12, SB 767

Keywords: HB 388, HB388, coordination of benefits, COB questionnaire, health benefit plan, health insurance, insurance commissioner, Texas Department of Insurance, uniform form, primary payer, secondary payer, multiple coverage, dual coverage, Medicaid, CHIP, managed care, HMO, small employer health plan, school district health coverage, self-funded plan

Transcript Highlights:

• ADVOCACY AND SERVICE.
• Thank you for your service.
• Thank you for your service for those who are still here.
• MARI MARINE CORP S VETERAN AND THANK YOU FOR YOUR SERVICE.
• COST AND MAINTAIN THE SERVICE TO RATEPAYERS.

Keywords: 993, senate, all

Summary: The Senate convened, approved the prior journal, and then moved through a series of budget-related and ceremonial items. The chamber accepted Rules and Finance Committee reports and took up several budget extender and budget implementation bills, including the main appropriations extender and later a transportation, economic development, and environmental conservation budget bill. Senators questioned the sponsor extensively about the status of the remaining budget bills, the use of messages of necessity, and the absence of joint budget conference committees. The extender bill passed 59-2, and later budget-related measures were advanced after reconsideration and amendment. A major portion of the session focused on the environmental and energy provisions in the budget bill, especially changes to the Climate Leadership and Community Protection Act. Senators debated extending emissions targets, the role of cap-and-invest, utility affordability, ratepayer impacts, and the structure of a proposed blue-ribbon commission. Supporters said the changes were needed to give the state more time to implement the law and to protect affordability, while opponents argued the bill was a political delay that would not lower energy costs and relied too heavily on subsidies and future planning. The bill also drew questions about electric vehicle rebates, thermostat control programs, emergency diesel generation for Micron, and how imported electricity and out-of-state emissions would be treated. The Senate also adopted several previously adopted resolutions honoring the 50th anniversary of the National Black Caucus of State Legislators, India Independence Day, the New York State Veterans Hall of Fame, and the 50th anniversary of Interfaith Works of Central New York. Senators spoke in support of each resolution, highlighting the contributions of Black legislators, Indian-American communities, veterans, and refugee and interfaith service organizations. The Veterans Hall of Fame ceremony was specifically noted as a chamber event, and guests were recognized from the floor and gallery. In addition, the Senate restored recalled bills to the third reading calendar through reconsideration votes and amendments, including a highway law bill and another recalled bill, and then stood at ease for scheduled conferences and a Veterans Hall of Fame ceremony before resuming session. The transcript ended with discussion of a separate bill affecting automobile insurance serious-injury standards, with questions about what claims would remain available and whether the change would improve affordability.

Transcript Highlights:

• In Florida, the penalty was increased to a first-degree felony in 2012.
• The process could have produced discipline, thanks to civil service rules.
• This is also the process that's been used in Florida and Louisiana.
• Those states are Florida and Louisiana.
• Louisiana and Florida are. They're already doing it.

Bills: SB614, SB872, SB1199, SB1212, SB1278, SB1573, SB1588, SB1602, SB1660, SB1704, SB1723, SB1833, SB1858, SB1946, SB2009, SB2146, SB2177, SB2373, SB2460, SB2785

Keywords: forensic science, capital writs, criminal justice, case review, Texas Forensic Science Commission, SB 872, burglary of a vehicle, vehicle burglary, theft of a firearm, stolen gun, firearm theft, Penal Code Section 30.04, third-degree felony, Class A misdemeanor, criminal penalty enhancement, gun theft, vehicle break-in, property crime, sentencing enhancement, Texas criminal law

Transcript Highlights:

• So thank you for your service.
• I again applaud you and commend you on your service.
• And I again, I thank you for your service and I thank you for your testimony.
• We show you registered as Kevin Freyhan, Texas Defender Service. Against the bill?
• Good morning, my name's Kevin Trahan, I'm a staff attorney at Texas Defender Service.

Keywords: 1184, house, all

Transcript Highlights:

• Representaton moves we service member.
• For example, in Florida, after fail.
• Facts services that were without bias.
• Your honor, I rest my case. schools, programs, and services related schools, programs, and services related
• Florida was nation now, don't we?

Keywords: 1189, house, all

Transcript Highlights:

• They're considered a money service business, but there's no exam structure in place.
• It seems to be something very specific to a service that credit unions allow.
• It seems to be something very specific to a service that credit unions allow.
• You can also call it a digital asset scam, relationship scam, or impersonation scam.
• I'm the Director of Consumer Services.

Summary: The committee began with a work session on the Joint Legislative Audit and Review Committee’s cannabis market study, presented by JLARC staff member Susanna Pratt. The report found Washington’s cannabis production in 2023 was likely two to three times higher than retail sales, with production estimated at 292,000 to 443,000 pounds of THC versus 139,000 pounds sold. Pratt explained that canopy data are inconsistent and that the Liquor and Cannabis Board’s traceability system is incomplete and unreliable, limiting data-driven regulation, tax verification, recall tracking, and diversion enforcement. JLARC recommended that LCB submit a plan by the end of 2025 for obtaining accurate licensee data by the end of 2026; LCB partially concurred and said a 2027 timeline may be more realistic. JLARC also concluded that the social equity producer licenses would likely have only a minimal effect on statewide production capacity, and suggested the legislature consider broader ways to increase equity in the industry. Members asked about the slow issuance of social equity licenses and about comparable traceability systems in other states. The committee then heard a series of presentations on fraud and scam prevention. Paul Benda of the American Bankers Association described the scale of fraud losses, the role of telecom spoofing, social media scam ads, SIM farms, and crypto ATMs, and argued for a shared-responsibility approach involving banks, telecoms, and platforms. Katie Clark of IQ Credit Union described member-to-member fraud, romance scams, and the operational and financial impacts on credit unions, and recommended better information sharing, safe harbors for returning scam-related funds, and stronger fraud education. Kyle Innes of SIFMA highlighted investor fraud and Washington’s 2009 report-and-hold law, which he said helped shape similar protections in most states, and emphasized the need for better communication among financial firms, APS, and law enforcement. Brian Gerard and Ali Higgs from the Department of Financial Institutions discussed “pig butchering” and other investment scams, focusing on how scammers build trust through social media, dating apps, fake websites, and crypto schemes before extracting funds. Across the fraud presentations, witnesses repeatedly stressed consumer education, interagency information sharing, and stronger controls on telecom, social media, and crypto ATM activity. Members asked about model laws from other states, the role of financial education in schools, and whether crypto ATMs should be regulated or banned. No votes or formal committee actions were taken during the meeting.

Transcript Highlights:

• Federal National Park Service law enforcement officers.
• We can share a six-digit alphanumeric. I can see all of his drones.
• We really focus on service. search and rescue, fires, disasters.
• I just come back from Florida. with a business trip.
• And then I give you example in Florida, that's 5-mile rules.

Bills: HB17, HB34, HB41, HB 118, HB 119, HB 127, HB 128, HB 129, HB 130, HB132, HB133, HB17, HB41, HB118, HB119, HB127, HB128, HB129, HB130, HB132, HB133

Keywords: foreign ownership, real estate, national security, designated countries, Texas property law, lobbying, foreign adversaries, compensation prohibition, transparency, civil penalties, higher education, foreign adversary, research security, trade secrets, academic partnerships, HB 128, sister city, sister-city agreement, international exchange, municipal diplomacy

Transcript Highlights:

• <00:21:07.039> assets playing with it's serious digital assets playing with it's serious digital
• and disputes of blockchain and digital and disputes of blockchain and digital currencies<00:48:40.760
• impose any requirement on a digital impose any requirement on a digital mining<00:56:29.799>
• <00:56:41.520> mining understand the fact that digital mining understand the fact that digital
• less energy intensive methods of digital less energy intensive methods of digital mining<00:56:55.240

Keywords: 1189, house, all

Summary: The committee met in executive session and first discussed scheduling, noting that Town Meeting Day would cancel the next Tuesday meeting, that they would meet Wednesday instead, and that remaining bills would be handled through subcommittees and a likely final executive session on the 19th to meet the deadline for committee action on the 20th. The committee then took up several bills, with repeated roll calls and votes, often placing measures on the consent calendar after committee approval. House Bill 185 on ambulance reimbursement rates was described as a perennial issue and was voted inexpedient to legislate, with members noting concerns that an any-willing-provider approach would make premium impacts hard to evaluate. House Bill 186 on cannabis legalization was retained for further work, with members saying the bill addressed stopping marijuana arrests but that the sales and implementation details still needed more development. House Bill 241 on treatment alternatives to opioids was also retained because the sponsor could not attend and the committee wanted more time to continue work. The committee then considered House Bill 302 on state treasury investments in digital assets and precious metals. The amendment narrowed the proposal, removing more complicated provisions like stable tokens and staking, lowering the authorized allocation from 10% to 5%, and limiting eligible digital assets to those with very high market capitalization; members discussed volatility, the treasurer’s discretion, and oversight through bond-rating concerns. The amendment and the bill as amended both passed, and the bill was placed on the consent calendar. Other measures moved quickly: House Bill 451 on a paint product stewardship program was amended to remove direct funding and framed as manufacturer-run enabling legislation, then passed and was placed on consent; House Bill 499 made technical corrections to insurance laws and passed unanimously; House Bill 538 on relocating Liquor Commission positions passed unanimously; House Bill 552 on children covered under the state retirement insurance plan was cleaned up to remove a student requirement and passed unanimously; and a blockchain/digital currencies bill was amended to address noise and local regulation concerns for data mining operations, with supporters emphasizing energy-use issues, municipal authority, and a separate commission studying regulation. That bill also passed and was sent to consent.

Transcript Highlights:

• agenda with health and human Services agenda with health and human Services has<00:05:30.560>
• For Health and Human Services, same recommendation.
• Right now, we cannot claim for those services.
• services.
• <00:52:44.960> to having to do medical uh services to having to do medical uh services to

Keywords: 912, senate, all

Summary: The joint Committee on Education and Committee on Public Safety and Military Affairs heard Senate Bill 422, which would authorize the Department of Education to award a high school diploma to qualified people whose schooling was interrupted by military service or wartime practices during World War II, the Korean War, or the Vietnam War. The Department of Education testified in support, noting a prior law that created the Kono diploma program before it sunset in 2020. Several members of the public also testified in support. Both committees later recommended passage of SB 422 without amendments, and the recommendation was adopted by voice votes. The committees then heard Senate Bill 530 on Braille literacy. The bill would establish Braille literacy as state policy, require Braille-related literacy assessments for eligible blind and low-vision students, authorize DOE rulemaking, create a Braille Literacy Resource Center, and appropriate funds. DOE and the Department of Human Services supported the measure, as did the National Federation of the Blind, Hawaii Disability Rights Center, and a blind testifier who described the importance of early Braille instruction. The Attorney General’s office raised concerns about statutory language requiring yearly assessments and suggested revisions so annual decisions remain with IEP teams. The committees voted to pass SB 530 with amendments, including the Attorney General’s suggested changes, and adopted the recommendation. The next measure was Senate Bill 532, which would allow school staff and agents trained by a licensed clinician to volunteer to administer medication to students in public schools under certain conditions and clarify who may prescribe such medication. DOE and Department of Health testimony supported the bill. The Attorney General recommended replacing the term “licensed clinician” with the defined term “health care professional.” The Hawaii Academy of Physician Assistants supported the bill but asked that physician assistants be included among providers who may prescribe medications for school administration. After questions about current school health aide duties and field-trip medication procedures, the committees voted to pass SB 532 with amendments, including the Attorney General’s terminology change, and adopted the recommendation.

Transcript Highlights:

• <00:04:09.920> and director of emergency services and director of emergency services and communication
• <00:07:18.319> for including freeing up 911 services for including freeing up 911 services
• I'll take any questions that you may have. services and money are saved when the services and money are
• likely ideal to have one three-digit likely ideal to have one three-digit phone<00:26:52.440>
• The most recent state was Florida, and prior to it passing in Florida, the New York Times had an article

Keywords: 1189, house, all

Transcript Highlights:

• on Financial Services with Rep.
• We've worked with Secret Service.
• I'm Chief of Insurance and Financial Services at the AG's office.
• or physical currency for digital currency.
• We partner with employers to offer this service as a benefit to their employees.

Keywords: 995, all

Summary: The committee heard testimony on several financial services bills, with the main focus on cryptocurrency kiosk regulation, financial literacy, and earned wage access. Legislators and witnesses described widespread crypto-related scams targeting older adults, often involving impersonation, urgency, spoofed phone numbers, and rapid transfers through kiosks that are difficult to trace or recover. Supporters of the kiosk bills said Massachusetts needs licensing, registration, transaction limits, warning notices, receipts, refund protections, and other safeguards; some also urged a “pause” or hold on transactions to give victims time to reconsider and allow law enforcement to intervene. The Attorney General’s office, AARP, local law enforcement, and several prosecutors and sheriffs backed the consumer-protection approach, while Bitcoin Depot supported a narrower regulatory framework but opposed low fee caps and strict daily limits, arguing they would function like a ban and reduce legitimate use. Witnesses from Waltham police, Middlesex and Essex County law enforcement, and the AG’s office said crypto scams are growing quickly, losses are often unrecoverable once funds move, and current tools are limited. They described cases involving elderly victims losing thousands of dollars, and said warnings alone are not enough because scammers keep victims on the phone and guide them through the process. Some witnesses said a temporary hold or refund mechanism has worked in at least one case, while others emphasized that transaction limits and visible disclosures could reduce harm even if they do not stop fraud entirely. The AG’s office also said it would submit written opposition to separate earned wage advance legislation, while DailyPay testified in support of that bill, saying earned wage access helps workers bridge short-term gaps without debt or credit reporting. The committee also heard support for mandatory financial literacy education from Representative Jim Hawkins, who said high school students need instruction on credit, debt, and inflation before they enter adulthood. In addition, the committee took testimony on litigation financing bills from insurance industry representatives, who argued for disclosure and regulation of predatory litigation lending and warned about foreign interference and reduced plaintiff recoveries. No votes or final actions were taken during the hearing; members asked questions throughout, and the chair noted the need to move testimony along because of time constraints.