Transcript Highlights:

• The chair lays out his pending business, SB916 by Zafiropoulos, relating to consumer protections against
• Let's see here, Senate Bill 1264, which passed during the 86th legislative session, prevents consumers
• Situations arise where the consumer has no choice over who provides their care and cannot be surprised
• Shortening that and getting this delayed isn't just about that; it's been the consumer that has been
• A broader example of the bill requires disclosure of out-of-network amounts and co-insurance, etc.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• It has a lot of consumer protections and ensures that those who are doing the transaction are aware that
• I just spoke with him today, and this bill carries over all the consumer protections that we worked on

Bills: SB1623, SB2067, SB2132

Keywords: credit union, Oklahoma State Credit Union Board, membership, loans, investments, board compensation, financial regulations, financial exploitation, protected adults, financial institution, notification, temporary hold, credit card, surcharge, discounts, consumer protection, payment methods, 914, all

Transcript Highlights:

• We began to look at some other states and recognized that several states had a disclosure form.
• There are European consumers who want to buy wood pellets to do heating with and other things.
• HB 848 is about fairness in the marketplace and protecting Louisiana consumers.
• And that's a consumer part of this bill that I mentioned earlier.
• So from a consumer protection standpoint, this is really important too.

Bills: SCR53, HB259, HB267, HB478, HB548, HB555, HB617, HB670, HB672, HB797, HB848, HB917, HB921, HB1096, HB1103, HB1166, HB1195, HB1230

Keywords: payable-on-death accounts, transfer-on-death accounts, estate planning, beneficiary designations, Louisiana law, task force, inheritance, nonprobate transfers, excavation, demolition, infrastructure repair, BEAD Program, utility damage, construction coordination, contact point, home inspectors, board membership, licensing, term limits, Louisiana State Board

Transcript Highlights:

• This is really just a disclosure bill for the consumer, so I'll give you a quick scenario of what happened
• And as a consumer, that is wrong and unethical in so many ways.
• Just the whole purpose of the bill is we want consumers to have full disclosure and know what they’re
• The purpose of the bill is we want consumers to have full disclosure and know what they’re getting into
• It puts the power back into the consumer, the buyer.

Bills: HB2128, HB2255, HB2397, HB2429, HB2591, HB2680, HB2834, HB2868, HB2911, HB2951, HB2979, HB2991, HB2996, HB2999, HB4001, HB4011, HB4017, HB4020, HB4026, HB4086, HB4088, HB2244, HB2342

Keywords: homeowners associations, condominiums, open meetings, governance, transparency, Arizona Teachers Academy, teacher preparation, education funding, public schools, scholarships, teacher certification, community colleges, HOA, homeowners association, planned community, condominium, CC&Rs, covenants, conditions and restrictions, resale disclosure, association disclosure

Transcript Highlights:

• Yeah, it's under the consumer protection laws.
• We want consumer transparency.
• Because the consumers I talk to want their gold close primarily.
• May my consumer...
• For the consumer.

Bills: HCR66, HB387, HB617, HB797, HB950, HB975, HB1186, HB1222, HB1223, HB1228, HB1256

Keywords: economic development, rural communities, infrastructure, workforce training, Louisiana Economic Development, engineering, land surveying, construction, state fire marshal, plan review, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, consumer protection, unfair trade practices, advertising disclosures, total price

Summary: The Senate Commerce Committee met on April 20, approved the prior meeting minutes, and then heard a series of bills and resolutions. It first advanced H. CR 66, which directs Louisiana Economic Development, working with the Governor’s Office of Rural Development, to study rural parish economic assets, infrastructure, workforce, and development opportunities. The committee also moved HB 387, a clarification allowing the fire marshal to review architectural and engineering plans equally, and HB 1223, which seeks to promote clinical trials in Louisiana by having LED market the state’s research capacity and by adjusting internal review board procedures. HB 1228, a cleanup bill for hearing aid dealers that updates definitions, contracts, testing periods, licensing, and related requirements, was also reported favorably, as was HB 950, which would create an elderly consumer perception program through the Office of Elderly Affairs to help seniors recognize scams and fraud. The committee spent the most time on HB 617, a broad “hidden fees” consumer transparency bill. The author and supporters said it would require mandatory fees to be included in upfront pricing so consumers can make informed choices, while opponents from grocery, restaurant, hotel, housing, retail, and business groups argued the bill was vague, overly broad, and likely to create compliance burdens and litigation risk. Housing advocates objected to the bill’s housing exemption, warning it could weaken renters’ ability to bring claims over undisclosed fees. After extensive debate over variable pricing, sales taxes, enforcement, and the scope of the bill, Senator Morris moved to defer HB 617, and the committee agreed without objection. The committee also heard HB 797, which would create a “Bayou Gold” certification program for certain gold vendors and transactional gold products. The sponsor said the program would encourage vendors to keep gold insured, segregated, and closer to Louisiana consumers, with the Treasury administering the certification through participant fees. Several senators and an outside witness raised concerns that the state seal could be mistaken for an endorsement, could create liability or consumer confusion, and would favor a narrow set of vendors. Despite opposition, the committee reported HB 797 favorably, with members noting it still had to go to Finance. Later, the committee advanced HB 1186, which would create a more uniform statewide building code and licensing system for inspectors, add disciplinary authority, and impose a small permit fee to support the program, and HB 1222, which would let LED develop a grocery initiative to address food deserts and food insecurity. The meeting concluded with the committee hearing HB 1256 on abandoned digital assets, which would require dormant digital assets to be held in original form for three years so owners can reclaim them.

Transcript Highlights:

• How do we protect our consumers or your consumers?
• When these mergers happen, how do we protect our consumers or your consumers so that they're not confused
• So there's no abrasion with the consumer.
• House Bill 1228 updates Louisiana’s regulatory framework for hearing aid dealers by tightening consumer
• some examination procedures, has a notice of place of business, and it basically strengthens some consumer

Bills: HB387, HB673, HB947, HB975, HB1102, HB1228, HB1229, HCR66, SB102, SB165, SB280, SB291, SB326, SB521

Keywords: engineering, land surveying, construction, state fire marshal, plan review, security cameras, abandoned property, blighted structures, property management, digital assets, abandonment, custodian, escheatment, blockchain, cryptocurrency, unclaimed property, state treasurer, Department of Public Service, statutory entities, public administration

Transcript Highlights:

• This is consumer choice.
• Clear disclosure protects both ratepayers and the integrity of the regulatory process.
• My point is to make sure that consumers know what's coming.
• of consumer protection and information that's in here is a good one.
• It's a lot for us to try and consume and understand.

Bills: HB2099, HB2263, HB2264, HB2330, HB2341, HB2492, HB2757, HB2782, HB2843, HB2889, HB2912, HB2915, HB2918, HB4025, HB4100, HCR2020, HCR2057

Keywords: water storage, long-term storage credits, groundwater management, drought contingency, Arizona water regulations, Colorado River, replenishment, groundwater savings facility, groundwater storage, underground water storage, active management area, irrigation non-expansion area, Arizona water law, water rights, water replenishment, recharge, water conservation district, multi-county water conservation district, CAP water, Central Arizona Project

Bills: SB1519, SB1775, SB1900, SB1948, SB2080, SB1226, SB1456, SB1462, SB1463, SB1980, SB1479, SB1608, SB1923

Keywords: municipal zoning, home-based businesses, no-impact businesses, local government, regulation, short-term rentals, municipal ordinance, municipal court, court of record, court not of record, city penalties, fine limits, penalty cap, ordinance enforcement, state statute, traffic offenses, speeding, parking, DUI, DWI

Bills: SB1519, SB1775, SB1900, SB1948, SB2080, SB1226, SB1456, SB1462, SB1463, SB1980, SB1479, SB1608, SB1923

Keywords: municipal zoning, home-based businesses, no-impact businesses, local government, regulation, short-term rentals, municipal ordinance, municipal court, court of record, court not of record, city penalties, fine limits, penalty cap, ordinance enforcement, state statute, traffic offenses, speeding, parking, DUI, DWI

Bills: SB1519, SB1775, SB1900, SB1948, SB2080, SB1226, SB1456, SB1462, SB1463, SB1980, SB1479, SB1608, SB1923

Keywords: municipal zoning, home-based businesses, no-impact businesses, local government, regulation, short-term rentals, municipal ordinance, municipal court, court of record, court not of record, city penalties, fine limits, penalty cap, ordinance enforcement, state statute, traffic offenses, speeding, parking, DUI, DWI

Transcript Highlights:

• This is a pro-consumer bill, and I'm happy to answer any questions and reserve the right to close.
• Basically, it requires licensing from TDLR and disclosures.
• Unfortunately, some bad actors have given the industry a black eye, leaving consumers harmed along the
• It's time to tighten up regulations, expand consumer trust, and ensure transparent transactions with
• RCAT strongly supports SB 1036 approach to registration, insurance requirements, clear disclosures, and

Bills: SB 1036, SB 1566, SB 1664, SB 2268, SCR 5, SCR 8, SCR 9, SCR 32, SCR 46

Keywords: residential solar, solar retailer, solar salesperson, solar panel sales, solar lease, solar installation, renewable energy, clean energy, consumer protection, deceptive sales, door-to-door solicitation, occupational registration, TDLR, Texas Department of Licensing and Regulation, Texas Commission of Licensing and Regulation, Public Utility Commission, electrical contractor, interconnection, net metering, Truth in Lending Act

Transcript Highlights:

• This bill addresses consumers regarding the rates of a transmission and distribution utility.
• This is a pro-consumer bill, and I'm happy to answer any questions and reserve the right to close.
• The relationship between the Federal Government and consumers is at stake.
• It's time to tighten up regulations, expand consumer trust, and ensure safety measures are in place.
• RCAT strongly supports SB 1036's approach to registration, insurance requirements, clear disclosures,

Bills: SB1036, SB1566, SB1664, SB2268, SCR5, SCR8, SCR9, SCR32, SCR46

Keywords: residential solar, solar retailer, solar salesperson, solar panel sales, solar lease, solar installation, renewable energy, clean energy, consumer protection, deceptive sales, door-to-door solicitation, occupational registration, TDLR, Texas Department of Licensing and Regulation, Texas Commission of Licensing and Regulation, Public Utility Commission, electrical contractor, interconnection, net metering, Truth in Lending Act

Transcript Highlights:

• First, for disclosure, I sit on the Texas Department of Life Insurance regulation for the committee,

Bills: HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794, HB46

Keywords: peer support, first responders, mental health, confidentiality, emergency services, disclosure, next of kin, public information, deceased persons, privacy rights, patient solicitation, marketing practices, healthcare regulation, task force, deceptive advertising, nurse aide, certification, Texas Board of Nursing, healthcare workforce, nursing standards

Transcript Highlights:

• I’m with the Consumer Healthcare Products Association in Washington, DC.
• It helps consumers not break the law, and the most important thing, we think, is that it has allowed
• Now the direct-to-consumer companies realize it's important to try and have these patients use their
• A lot of the direct-to-consumer products, like that, you don't have any type of retention afterwards.
• I've been a cannabis consumer for about 50 years and an activist for the last 13 years.

Bills: HB46, HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794

Keywords: local government spending cap, expenditure limit, political subdivision, property tax, ad valorem tax, budget cap, taxpayer protection, spending restraint, inflation adjustment, population growth, voter approval, supermajority vote, county budget, municipal budget, school district finance, junior college district, hospital district, special district, attorney general enforcement, local fiscal limits

Transcript Highlights:

• ,<00:14:38.079> are being more trusted by consumers, are being more trusted by consumers,
• [clears throat] Can you talk to me about disclosures around, uh, allowing consumers to know they already
• to consumers.
• Can you talk to me about disclosures around, uh, allowing consumers to know they already have travelers
• to consumers.

Bills: HF3604, HF2236, HF3709, HF3766, HF2400

Keywords: bulk fuel, nonoxygenated gasoline, environment, exemption criteria, transportation, HF2236, Minnesota commerce, obsolete language, statutory cleanup, retail installment contract, consumer credit, vehicle financing, auto loans, retail buyer, retail seller, delinquency charge, collection fee, attorney fees, assignment notice, payment receipt

Summary: The committee first approved the minutes from February 26, after correcting the header date to Thursday, February 26. It then took up House File 36004, as amended by the author’s technical A1 amendment. Representative Van Binsbergen described the bill as a change to statute governing bulk delivery of nonoxygenated fuel, especially for boats and other watercraft, to allow direct delivery to vehicles rather than requiring transport of fuel in containers or removal of boats from the water. Members generally supported the concept, citing convenience for lake users, reduced travel and potential invasive species spread, and fewer spill risks, but the chair said the bill would be laid over pending additional clarification from the State Fire Marshal’s Office and other agencies. House File 2236 was then introduced as a vehicle bill for possible future omnibus use and laid over without testimony or opposition. The committee also heard House File 3709, which would allow Minnesota banks and credit unions to offer custodial accounts for digital assets such as cryptocurrency. The authors framed the bill as a consumer-protection and competitiveness measure that would let local institutions keep pace with customer demand and prevent Minnesotans from relying on out-of-state or offshore providers. Testimony from the Department of Commerce and credit union representatives supported the bill, saying it would level the playing field, keep digital assets under Minnesota oversight, and help local institutions remain relevant; one witness said significant liquidity had been leaving local communities for outside exchanges. Questions from members focused on whether the accounts would be NCUA-insured, how the bill related to unclaimed property, and whether the policy goal was consumer protection or simply preserving bank relevance. Several members expressed support but also cautioned about crypto volatility, scams, and the need to avoid turning credit unions into exchanges. The discussion ended without a final vote in the excerpt, with the bill still under committee consideration.

Transcript Highlights:

• U.S. citizens live in Mexico and work in Nogales, Arizona, you know, and all that is just time consuming
• citizens live in Mexico and work in Nogales Arizona you know and all that is you know just time consuming
• Madam Chair and members, House Bill 2113 instructs the Director of the Residential Utility Consumer Office
• HB 2113 instructs the Director of the Residential Utility Consumer Office to intervene in a public service
• My name is Cynthia Zwick and I serve as the Director of RUCO, the Residential Utility Consumer Office

Bills: HB2113, HB2237, HB2824, HB2926, HB2939, HB2950

Keywords: utility consumer, rate intervention, public service corporation, Arizona Revised Statutes, residential rates, consumer protection, appropriation, Apache Junction, tourism, recreation, Superstition trails, funding, infrastructure, C-PACE, capital expenditure, special assessment, property improvement, local government financing, energy efficiency, water conservation

Bills: HB178, HB124, HB96, HB250, SB289, SB317, HB359, HB178, HB124, HB96, HB250, SB289, SB317, HB359

Keywords: HB178, Ten Commandments, public schools, K-12 education, Alabama, school display, religious display, Bible, Judeo-Christian, Establishment Clause, church-state separation, religion in schools, founding documents, Mayflower Compact, Declaration of Independence, U.S. Constitution, Northwest Ordinance, social studies, civics, history curriculum

Bills: HB0015, HB0017, HB0019

Keywords: right to repair, digital electronics, consumer protection, embedded software, manufacturers, repair providers, tools and documentation, anti-theft measures, blockchain, financial technology, digital innovation, economic development, select committee, trespass, hunting, land use, public access, wildlife, 916, all

Bills: HB0015, HB0017, HB0019

Keywords: right to repair, digital electronics, consumer protection, embedded software, manufacturers, repair providers, tools and documentation, anti-theft measures, blockchain, financial technology, digital innovation, economic development, select committee, trespass, hunting, land use, public access, wildlife, 916, all

Bills: SB 2082, SB 2203, SB 2351, SB 2550, SCR 48

Keywords: concrete crushing, hospital proximity, environmental regulation, public health, zoning laws, concrete plants, standard permit, construction regulation, environmental compliance, health and safety code, water rights, property transfer, disclosure requirements, coastal property, Texas legislation, real estate, environmental impact, Gulf of America, coastal resources, Texas sovereignty