Transcript Highlights:

• This bill governs how personal data is collected, retained, transferred, and how objections are handled
• data privacy on private companies. data privacy on private companies. Right? Right? Right?
• <00:04:44.080> it are collecting this data and using it are collecting this data and using
• that data or misuse that data.
• that data or misuse that data.

Bills: SF0020, SF0021, SF0022

Keywords: data privacy, government accountability, personal data, data retention, resident rights, stable token, liquidity, trust account, Wyoming, fund distribution, financial regulation, state commission, decentralized, nonprofit association, merger, conversion, liability, membership, governance, indemnification

Bills: SF0020, SF0021, SF0022

Keywords: data privacy, government accountability, personal data, data retention, resident rights, stable token, liquidity, trust account, Wyoming, fund distribution, financial regulation, state commission, decentralized, nonprofit association, merger, conversion, liability, membership, governance, indemnification

Bills: HB1329

Keywords: government spending database, public expenditure transparency, open data, government transparency, school district spending, state spending, local government finance, education finance, budget database, expenditure reporting, salary transparency, benefits data, public records, Legislative Management study, North Dakota, school board training, superintendent, principal, business manager, higher education spending

Summary: The division first discussed Senate Bill 1540 and related amendments involving implementation mechanics, procurement exemptions, and an emergency clause. Bank of North Dakota representatives explained that, based on a timeline review with DPI, the project would be very difficult to implement for the 2026-27 school year without exemptions from state purchasing and IT oversight rules and without an emergency clause; they said the normal procurement process could take about 240 days and that a 15-month implementation window would likely push the start to 2027-28 if those changes were not adopted. Members also raised a separate policy question about a criminal penalty placeholder in the bill, and the committee agreed that the sentence was unnecessary and should be removed. The committee deferred means-testing questions and fiscal-note issues to the next morning, with the understanding that the bill would be drafted in a way that made it workable if it advanced. The committee then turned to the water budget bill and reviewed the latest amended version, which included changes to the Water Topics process, Southwest Pipeline line of credit provisions, Red River supply funding, Mouse River project amounts, general water funding, studies on Missouri River intakes and water governance/finance, and a carryover/transfer adjustment. Chris Cattermas of the Department of Water Resources said most of the carryover funds were already obligated, with the largest unobligated amount in flood control. After review, Senator Thomas moved a do-pass recommendation on the bill as amended, the motion was seconded, and the committee approved it unanimously. The chair noted that other bills would be taken up the next morning, including 1013, 1014, and 1540.

Transcript Highlights:

• Well, first of all, you need to determine what data points you want to collect.
• I mean, he asked me, he says, well, what data points do we need?
• We need to collect that information.
• We need to collect that information.
• The 200 percent A was chosen because the data is there for that.

Bills: HB1329

Keywords: government spending database, public expenditure transparency, open data, government transparency, school district spending, state spending, local government finance, education finance, budget database, expenditure reporting, salary transparency, benefits data, public records, Legislative Management study, North Dakota, school board training, superintendent, principal, business manager, higher education spending

Summary: The Education Division met with all members present and first took up House Bill 1329, which would create a transparency database and website for school spending information. Senator Schaible offered Amendment 0204 to turn the bill into a study, citing concerns that the proposal would impose major data-collection burdens on 168 school districts, require new data standards and privacy protections, and likely cost far more than the $500,000 in the bill. Several members supported transparency but agreed the implementation costs and technical feasibility were unclear. The committee adopted the amendment 4-1, then passed HB 1329 as amended on a 5-0 vote, with Senator Shively to carry the bill. The committee then discussed House Bill 1540, the education savings account/voucher bill. Representatives from the Bank of North Dakota and the Department of Public Instruction explained that they had not been consulted on the original drafting and outlined needed administrative changes, including clarifying the Bank as administrator, using a third-party program manager, involving DPI in rulemaking, adding audit and appeal procedures, and adjusting language on eligible purchases and school disqualification. They also said the current timeline was likely too aggressive to launch by the 2026-27 school year and estimated the program would require about 15 months to implement, with a fiscal note now around $5.1 million. Members also discussed policy-related amendments on means testing and application timing. Senator Shively proposed a 300% of poverty-level means test and a sign-up period to reduce costs and limit open-ended enrollment, while Senator Axman proposed a tiered approach that would keep all students technically eligible but phase in funding levels by income, preserving access for students who qualify for other federal supports. DPI said it could not currently disaggregate some data by family income and that the appeal process and procurement timeline still needed work. The committee did not move HB 1540 out that morning and instead recessed to continue discussion later after members had time to review the administrative and fiscal issues separately from the means-testing proposals.

Transcript Highlights:

• The data collected by our local law enforcement ALPRs is stored in servers managed by these companies
• The data collected<00:10:48.560> by<00:10:48.720> our<00:10:48.959> local<00:10:
• collected, created, received, maintained, or disseminated by the BCA as private data under the Data
• collected, created, received, maintained, or disseminated by the BCA as private data under the Data
• thresholds and practices through data thresholds and practices through data collection,<01:12:33.040

Bills: HF3479, HF4205, HF3782, HF4081, HF4138

Keywords: foreclosure, mortgage, redemption period, homestead, Minnesota Statutes, automated license plate reader, ALPR, license plate recognition, vehicle surveillance, Bureau of Criminal Apprehension, BCA, data privacy, government data practices, law enforcement data, surveillance technology, location data, vehicle tracking, warrant requirement, probable cause, exigent circumstances

Transcript Highlights:

• Surrounded by dense vegetation, our grinder pumps serving all 43 residential collections are crumbling
• <00:18:16.240> are all 43 residential uh collections are all 43 residential uh collections
• We collect approximately $4.5 million a year. >> Thank you. Okay.
• We collect approximately $4.5 million a year. >> Thank you. Thank you. Okay.
• collect approximately and we collect approximately uh,<01:11:06.320> 4.5<01:11:06.960> million

Bills: HF4680, HF4047, HF4590, HF3757, HF3569, HF4507, HF4426, HF4927, HF4788, HF4757, HF4747, HF3561, HF4014, HF4013, HF4689, HF4766, HF4589

Keywords: wastewater treatment, improvements, capital investment, Greenfield, bonds, water treatment, infrastructure, municipal funding, state bonds, public utilities, HF4590, Tamarack, municipal infrastructure, bonding bill, general obligation bonds, Public Facilities Authority, sewer system, collection system, street reconstruction, local infrastructure

Bills: SB63, HB156, HB289, SB80, SB84, SB63, HB156, HB289, SB80, SB84

Keywords: immigration, law enforcement, fingerprints, DNA collection, illegal aliens, Alabama state law, out-of-state warrants, criminal procedure, extradition, Alabama Code, arrest authority, interstate cooperation, Marshall County, TVA, Tennessee Valley Authority, in-lieu-of-taxes, payments distribution, local legislation, school funding, education finance

Bills: HR153, HR154, HR155, HR156, HR157, HR158, HCR57, HCR58, HCR59, HR133, HR134, HR135, HR136, HR137, HR138, HR139, HR140, HR141, HR142, HR144, HR145, HR146, HR147, HR148, HR149, HR150, HR151, HR152, SCR28, SB141, SB169, SB206, SB233, SB417, SB421, SB429, SB437, SB477, SB510, SB521, HR1, HR17, HCR5, HB55, HB385, HB394, HB396, HB406, HB608, HB622, HB676, HB772, HB897, HB902, HB943, HB1030, HB1035, HB1038, HB1045, HB1049, HB1056, HB1058, HB1059, HB1092, HB1100, HB1117, HB1160, HB1161, HB1162, HB1177, HB1180, HB1189, HB1216, HB1239, HB1240, SB127, HB284, HB1, HB2, HB3, HB312, HB313, HB383, HB314, HCR3, HB983, HB1126, HB21, HB24, HB29, HB31, HB39, HB45, HB77, HB136, HB150, HB263, HB273, HB299, HB315, HB376, HB377, HB431, HB444, HB450, HB519, HB533, HB538, HB559, HB562, HB663, HB664, HB715, HB717, HB805, HB822, HB823, HB834, HB864, HB867, HB1017, HB1018, HB1068, HB1134, HB1137, HB1234, HB1235, HB1236, HB211, HB27, HB71, HB214, HB225, HB241, HB244, HB306, HB345, HB366, HB446, HB511, HB514, HB655, HB730, HB743, HB1027, HB1037, HB1043, HB1082, HB1091, HB1096, HB1103, HB1167, HB1174, HB1175, HB1230, HB1237, HB1238, SB162, SB349, SB350, SB382, SB383, HB401, HB51, HB58, HB140, HB982, HB1010, HB132, HB193, HB635, HB690, HB1003, HB750, HB911, HB151, HB180, HB192, HB310, HB961, HB1146, HB977, HB181, HB901, HR20, HR74, HB9, HB393, HB459, HB577, HB582, HB605, HB614, HB615, HB682, HB733, HB773, HB996, HB1113

Keywords: commendation, robotics, high school, competition, education, Tomato Festival, community celebration, Our Lady of Prompt Succor, fundraising, local heritage, Holocaust, remembrance, Yom HaShoah, Jewish history, condolences, community service, law enforcement, legacy, Shreveport, D.A.R.E. Program

Transcript Highlights:

• And the data tells us that, too.
• And the data tells us that, too.
• And the data tells us that, too.
• And the data tells us that, too.
• And the data tells us that, too. better. And the data tells us that, too.

Bills: HF3542, HF3819

Keywords: data privacy, investigative data, welfare system, public funds, transparency, child care, licensing, inspections, compliance, program integrity, 1183, house

Summary: The committee took up House File 3542, authored by Representative Hudson, and first adopted the February 25 minutes. Hudson explained that the bill, as amended in a DE1, would require agencies to disclose to the public, legislators, or the press the existence of certain investigations only after the subject has been notified and the agency has decided to reduce, suspend, or withhold payments. He said the amendment was intended to avoid tipping off subjects before notification while still increasing transparency about investigations involving public funds. A separate A3 amendment was withdrawn after the DE1 was adopted. Several members questioned the bill’s scope and timing, asking what “existence of an investigation” meant and whether the proposal would disclose information before findings were complete. Hudson clarified that the bill was aimed at identifying who is being investigated, not revealing investigative details. The committee then heard extensive public testimony from child care providers and advocates, who opposed the bill and argued it would expose providers to harassment, threats, and stigma before any findings were made. Testifiers described recent threats, ICE-related disruptions, audits, overpayment findings, and the burden of CCAP compliance, saying the bill would punish providers for paperwork errors and worsen safety concerns, especially for Somali and other providers of color. A board member of the Minnesota Child Care Association also opposed the bill, saying providers had been chilled from speaking publicly because of death threats and harassment, and warning that disclosure of investigations could intensify that climate. In response, Hudson said the bill was not about targeting child care providers generally and was limited to confirmed ongoing investigations after notice to the subject. The committee then heard from Inspector General Keys, who explained that CCAP investigations are administrative, not criminal, and are based on evidence of repeated errors or financial misconduct rather than intentional fraud. He said the office looks for patterns beyond simple mistakes and that the bill’s notice requirement would not impede investigations. The discussion ended amid a brief procedural dispute over comments directed at Hudson, after which the chair returned to the bill and the Inspector General’s testimony.

Transcript Highlights:

• We have to redact them by hand because most of that data is private data in terms of other people that
• that they still retain their data that they still retain their data classification<00:08:42.320>
• other things interprets uh the data other things interprets uh the data Practices<00:35:38.680><
• It's not saying that, um, that the data is—I mean, I guess they are sharing some data.
• It's not saying that, um, that the data is—I mean, I guess they are sharing some data.

Bills: HF1855, HF102, HF1082, HF1354, HF2184, HF1792, HF2296, HF2429, HF2543, HF2566

Keywords: veterans, benefit services, accreditation, consumer protection, civil penalties, disclosure requirements, HF102, Sibley County Road 166, Freedom Drive, Arlington, Sibley County, Minnesota transportation bonds, bonding bill, capital investment, road extension, highway access, intersection improvements, right-of-way acquisition, water main, sewer improvements

Bills: HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934

Keywords: judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes

Bills: HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934

Keywords: judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes

Bills: HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934

Keywords: judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes

Transcript Highlights:

• Currently, the harvest data, location data collected from the digital tagging from down to the pinpoint
• of latitude and longitude, as well as the data from the mandatory and voluntary reporting is subject
• accurate data. wildlife populations effectively.
• Because the landowner was assured that any information collected on private land was protected. from
• Today, the collection of digital data requires a new approach to the protection of biological information

Bills: SCR13, SB1248

Keywords: water rights, treaty compliance, Rio Grande, agriculture, drought, international water, Texas water supply, Texas Parks and Wildlife Department, TPWD, harvest reports, wildlife harvest data, public information act, open records, confidentiality, hunter privacy, angler data, game animals, game birds, fur-bearing animals, nongame animals

Transcript Highlights:

• Currently, harvest data and location data collected through digital tagging include pinpoint latitude
• That location data, down to the pinpoint of latitude and longitude, as well as data from mandatory and
• accurate data to manage wildlife populations effectively.
• However, most of the time the data was summarized.
• Today, the collection of digital data requires a new approach to protecting biological information on

Bills: SCR13, SB1248

Keywords: water rights, treaty compliance, Rio Grande, agriculture, drought, international water, Texas water supply, Texas Parks and Wildlife Department, TPWD, harvest reports, wildlife harvest data, public information act, open records, confidentiality, hunter privacy, angler data, game animals, game birds, fur-bearing animals, nongame animals

Summary: The Senate Committee on Water, Agriculture, and Rural Affairs met without a quorum at first, then later established quorum and proceeded with testimony and votes. Senate Bill 1248, by Chair Perry, was explained as a narrow Open Records Act exception to protect harvest report location data collected through Texas Parks and Wildlife’s digital tagging system. Support testimony came from Matt Wagner of the Texas Chapter of The Wildlife Society, who said the bill would protect private land and sensitive biological information while preserving useful wildlife data. No one testified against the bill, and it was left pending until later in the meeting. The committee then heard Senate Concurrent Resolution 13, which urges the State Department and the International Boundary and Water Commission to press Mexico to comply with the 1944 Water Treaty and deliver its share of Rio Grande water. Senator Hinojosa, farmers, municipal officials, and other witnesses described severe water shortages in South Texas, low reservoir levels, crop losses, the closure of the Valley sugar industry, and the need for alternative supplies such as desalination, reuse, and drainage-runoff projects. Members also discussed treaty enforcement, regional drought, and the role of cartels and Mexican water storage, while emphasizing that Texas must also invest in its own water infrastructure. The committee also considered Senate Bill 740, which the committee substitute amended to require the Public Utility Commission to adopt a standardized application form for system improvement charges and complete related rulemaking by September 1, 2026, applying only to applications filed on or after that date. Members discussed concerns about water wholesalers using the process to delay cases and drive up costs, and the need for more transparency and PUC resources. The committee voted to adopt the substitute and report SB 740 favorably. After returning to the earlier items, the committee voted SB 1248 out favorably and recommended it for the local and uncontested calendar, and voted SCR 13 out favorably as well. The committee then recessed subject to the call of the chair.

Transcript Highlights:

• We've always had a notice to veterans about the data that we're collecting and the purposes and how we
• We've always had a notice to veterans about the data that we're collecting and the purposes and how we
• We've always had a notice to veterans about the data that we're collecting and the purposes and how we
• We've always had a notice to veterans about the data that we're collecting and the purposes and how we
• We've always had a notice to veterans about the data that we're collecting and the purposes and how we

Bills: HF1662, HF1224, HF1836, HF1367, HF1168, HF1999, HF1792, HF102, HF2127, HF104

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

Bills: HB1163, HB2113, HB2333, HB2411, HB2583, HB1613, HB1614, HB2590, HB1950, HB1603, HB1707, HB1832, HB2119, HB2155, HB2594, HB2595, HB1929, HB2015, HB2207, HB1619, HB1667, HB1984, HB2140, HB2097, HB1957, HB2503, HB2581, HB1520, SCR55, SR53

Keywords: commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, Kainahola Stream, flood prevention, vegetation removal, appropriation, natural resources, transportation, airport special districts, penalties, Hawaii, aeronautics law, public safety, workforce development, sector partnerships

Transcript Highlights:

• There's also data-level exemptions where if certain data that a company is collecting is already regulated
• And they have to obtain consent before they collect certain types of data, namely sensitive data, and
• The first being if a business collects collects collects the<00:04:03.680> data<00:04:04.160><
• , they collect certain types of data, they collect certain types of data, namely<00:05:10.560>
• > our<00:20:50.160> our the data that's collected from our our the data that's collected

Bills: HF3794, HF3408

Keywords: surveillance, price discrimination, wage discrimination, automated decision systems, consumer protections, data privacy, biometrics, consumer protection, price setting, biometric data, retail, privacy, 1183, house

Summary: The committee first approved the minutes from March 3, 2026, and then received a presentation from the Minnesota Office of the Attorney General on the Minnesota Consumer Data Privacy Act. Assistant Attorney General Caitlin Miko and Deputy Attorney General Jessica Whitney reviewed the law’s scope, consumer rights, business obligations, and enforcement history. They said the law took effect July 31, 2025, gives Minnesotans rights to access, delete, and opt out of sale, profiling, and targeted advertising, and is enforced by the Attorney General with penalties up to $7,500 per violation. They reported more than 200 complaints in the first six months, many warning letters, and a shift from education to active enforcement now that the initial warning-letter period has expired. Committee members asked about how the universal opt-out works, what happens when companies deny deletion or editing requests, how the office determines willful noncompliance, and whether the law could burden small businesses. The AG’s office said the opt-out can be set through privacy-protective browsers or extensions, companies must respond to consumer requests within 45 days, small businesses are exempt as defined by the SBA, and investigations look for patterns and evidence of willful conduct rather than minor technical violations. The office also said it needs additional funding to fully staff enforcement efforts and noted that it has already issued subpoenas and civil investigative demands. The committee then took up House File 3408, the Stop Grocery Surveillance Price Gouging Act. The author explained that the bill would prohibit retail grocers, physical and online, from setting individualized prices based on consumer information, would limit certain uses of facial recognition and electronic shelf labels, and would preserve narrow exceptions for discounts and loyalty programs. Public testimony followed from the Minnesota Farmers Union in support, arguing that grocery consolidation and surveillance pricing could worsen already high food costs and harm fair competition. The Minnesota Grocers Association opposed the premise that grocery stores use surveillance pricing, said shelf prices are generally uniform and set from a single storewide database, and argued electronic shelf labels are efficient and not nefarious. A technology company representative similarly said ESLs do not use personal data or facial recognition, prices are uniform, and a 2025 study found no meaningful price increases after ESL adoption. The bill was laid over for possible further discussion after the testimony.

Transcript Highlights:

• And I remember she said she used to collect recyclables just to buy a pack of cigarettes.
• And I remember she said she used to collect recyclables just to buy a pack of cigarettes.

Bills: HR203, SB2802, SB3081, SB2902, SB2005, SB3252, SB2096, SB2095, SB2046, SB2999, SB3103, SB83, SB2041, SB3234, SB3156, SB3154, SB2146, SB2053, SB2010, SB2009, SB2667, SB3215, SB2698, SB2363, SB2372, SB2673, SB2948, SB2277, SB2057, SB3085, SB3025, SB2761

Keywords: H.R. 203, House Resolution, Hawaii education, teacher of the year, educator recognition, Jessica Canyon, Natsumi Yamasato, Jodi Kadoyama, Mānana Elementary School, National Blue Ribbon School, Teach For America Hawaiʻi, public education, K-12, elementary school, STEM education, literacy, teacher appreciation, school excellence, Hawaiʻi Legislature, keiki

Transcript Highlights:

• amendment would delete subsection D on page three of the bill and rewrite that provision to provide for collection
• So are they able to manipulate data to— So are they able to manipulate data to have their product look
• Well, again, if you're a certified plant, no, you can't manipulate data.
• buying a product, and they're not 100,000— For them buying a product and they're not 100% sure that data
• already proven its specific technology works in that parish on that problem, with verified performance data

Bills: HB1163, HB1168, HR252, HR253, HCR103, HCR108, SB80, SB131, SB251, SB254, SB279, SB384, SB414, SB468, SB469, SB496

Keywords: fireworks, retail sales, fire safety, legislation, holiday celebrations, construction standards, precast concrete, DOTD, building regulations, minimum requirements, public projects, private projects, consumer protection, credit card fees, cash transactions, rounding practices, transparency, low-income, economic impact, residential construction