Transcript Highlights:

• Jonathan McKernan, nominated to lead the Consumer Financial Protection Bureau, is clearly being sent
• Stephen Myron to be the Chairman of the Council of Economic Advisors. The clerk will call the roll.
• William Polte to be the director of the Federal Housing Finance Agency.
• I move to a roll call vote to vote on the honorable Jonathan McKernan to be the director of the Bureau
• of Consumer Financial Protection.

Committee: Senate Banking, Housing, and Urban Affairs Committee

Keywords: nomination, Senator Warren, Consumer Financial Protection Bureau, Federal Housing Finance Agency, Undersecretary of Commerce, accountability, oversight

Summary: The committee convened to discuss several nominations, notably for key positions including the directors of the Consumer Financial Protection Bureau, Federal Housing Finance Agency, and Undersecretary of Commerce. Senator Warren raised significant concerns during her opposition to all four nominees, citing their failure to provide satisfactory answers regarding their qualifications and policy perspectives. She expressed particular alarm over Jonathan McKernan's ties to external influences and Jeffrey Kessler's hesitance to acknowledge geopolitical threats, leading to discussions about accountability in nominations and oversight. The votes resulted in a mixed outcome, with some nominees being approved while others faced substantial opposition.

Transcript Highlights:

• Senate Joint Resolution 28, disapproving the rule submitted by the Bureau of Consumer Financial Protection
• by the Bureau of Consumer Financial<02:25:03.600><c> Protection</c><02:25:04.160><c> relating</c><02
• > Protection</c> Bureau of Consumer Financial Protection Bureau of Consumer Financial Protection relating
• </c> SJRES 18, disapproving the rules submitted by the Bureau of Consumer Financial Protection relating
• SJRES 28, disapproving of the rule submitted to the Bureau of Consumer Financial Protection relating

Bills: HR283 , HB1491 , HR282 , HR164

Keywords: committee election, House of Representatives, government structure, representation, foreign affairs, disaster relief, tax deadlines, Internal Revenue Code, collection notices, government response, Bureau of Consumer Financial Protection, Overdraft Lending, Digital Consumer Payment Applications, financial institutions, voting registration, citizenship proof, remote voting, proxy voting, parental rights, legislative process

Transcript Highlights:

• It recognizes the layered structure of modern consumer reporting, where agencies often rely on external
• So this is a consumer protection bill. I like to call them constituent protection bills.
• This is SB315, which is a protection for each of our individual DNA.
• The intent of the bill is absolutely the protection of DNA data.
• I would like to make clear I am in support of genetic protection of our DNA.

Bills: SB315 , SB584 , SB1228 , SB1484 , SB1860 , SB1802

Committee: House Trade, Workforce & Economic Development

Keywords: DNA privacy, genetic privacy, genetic testing, genetic material, DNA ownership, property right in DNA, genetic consent, biological sample, genomics, genetic data, HIPAA, health information privacy, health care provider, research ethics, human subjects research, law enforcement DNA, forensic DNA, paternity testing, medical examiner, genetic discrimination

Transcript Highlights:

• minor</c> which protects the identity of minor which protects the identity of minor victims<00:08:50.959
• I'm the superintendent of the Minnesota Bureau of Criminal Apprehension.
• Criminal</c> Minnesota Bureau of Criminal Minnesota Bureau of Criminal Apprehension,<00:21:30.720><c
• </c><00:21:38.320><c> of</c> provisions related to the Bureau of provisions related to the Bureau of
• <c> are</c><00:45:20.640><c> not</c> the consumer protection uh needs are not the consumer protection

Bills: HF4075 , HF3826 , HF3825 , HF3827 , HF3459 , HF3711 , HF4200 , HF3908 , HF3712

Committee: House Judiciary Finance and Civil Law

Keywords: firearm restrictions, domestic violence, public safety, court orders, criminal convictions, identity theft, subpoena authority, fraud, statute of limitations, financial crime, victim notification, expungement, criminal justice, plea agreements, minor victims, identification protection, stalking, crime data, Bureau of Criminal Apprehension, law enforcement grants

Transcript Highlights:

• States Code, of the rule submitted by the Bureau of Ocean Energy Management relating to protection of
• The rule submitted by the Bureau of Ocean Energy Management relating to protection of marine archaeological
• authorized by law, and the Consumer Financial Protection Bureau, and many, many other government agencies
• authorized by law, and the Consumer Financial Protection Bureau, and many, many other government agencies
• Financial Protection Bureau, and many, many other government agencies.

Bills: HJR35 , HR695 , HR469 , HR250

Keywords: environment, EPA, waste emissions, petroleum, natural gas, environmental protection, methane, regulatory disapproval, Charlie Kirk, political assassination, free speech, First Amendment, public safety, official photography, House of Representatives, session, government transparency, public engagement, payment system, Bureau of the Fiscal Service

Transcript Highlights:

• I rise in strong support of H.R. 2384, the Financial Technology Protection Act.
• </c><05:45:56.558><c> financial</c> through the use of financial through the use of financial technologies
• in support of H.R. 2384, the Financial Technology Protection Act, sponsored by Representative Nun and
• I rise today in strong support of H.R. 2384, the Financial Technology Protection Act of 2025, a bill
• > the Financial Technology Protection Act the Financial Technology Protection Act of<05:49:58.080><c>

Bills: HB3351 , HB3095 , HB1450 , HB1716 , HB1764 , HB3395 , HB2384 , HB3357 , HB3339 , HB1469 , HB3343 , HB3382 , HR1043 , HR131 , HR183 , HR672 , HB2625 , HB2170 , SB201 , SB423

Keywords: small business, capital formation, financial regulation, Securities Exchange Act, Paperwork Reduction Act, ZIP Code, postal service, community designation, local governance, postal infrastructure, OFAC, Office of Foreign Assets Control, sanctions, licensing, investigators, private sector firms, nominal transactions, financial transactions, pilot program, FinCEN

Transcript Highlights:

• those safety protections as they're in the process of moving.
• thousands of different orders with slightly different protections.
• And without the automatic protection of this data, small businesses would have to spend a lot of money
• to get these protections, and so really this is a question of fairness.
• c><00:47:30.240><c> businesses</c> protection of this data small businesses protection of this data small

Bills: HF3676 , HF2959 , HF3233

Committee: House Judiciary Finance and Civil Law

Keywords: Safe at Home, address confidentiality, domestic violence, sexual assault, stalking, harassment, victim privacy, survivor protection, confidential address, protected address, secret address, identity protection, residential confidentiality, program participant, nondiscrimination, court disclosure, protective order, service of process, driver's license, state ID

Transcript Highlights:

• It ensures consistency and protects the privacy of individual data that will be received and maintained
• We have the power to enforce consumer protections around products used by Minnesotans, especially our
• We have the power to enforce consumer<00:53:25.280><c> protections</c><00:53:25.920><c> around</c><00
• :53:26.319><c> products</c> consumer protections around products consumer protections around products
• She said that all of our children now have iPads in school, and those iPads have protective software

Bills: HF3479 , HF4205 , HF3782 , HF4081 , HF4138

Committee: House Judiciary Finance and Civil Law

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:

• Senate Bill 1767 will hopefully stop illegal shipments of spirits into Oklahoma.
• It does a couple of things: it strengthens our existing prohibition against out-of-state shipping of

Bills: SB1767 , SB1859 , SB1767 , SB1859

Committees: House Public Safety , House A&B Public Safety Subcommittee

Keywords: alcoholic beverages, shipping, retailers, legal compliance, civil penalties, interstate regulation, enforcement, cyber crime, fraud unit, digital evidence, Oklahoma State Bureau of Investigation, investigative powers, financial deception, ransomware

Transcript Highlights:

• This is the future of Oklahoma.
• For consideration of HCR 1006, Mr.
• For the presentation of Senate Bill 1239.
• We also have the rest of the football team up in the gallery.
• President, I move the Senate do advise and consent to the nomination of Daniel Fortune of Guthrie to

Bills: HCR1006 , SB1226 , SB1239 , SB1309 , SB2132 , SB1189 , SB1344 , SB1295 , SB1355 , SB1998 , SB1330 , SB1297 , SB1338 , SB1546 , SB1378 , SB1859 , SB1333 , SB1341 , SB1377 , SB1990

Keywords: campaign finance, election spending, political spending, money in politics, constitutional amendment, Citizens United, free speech, ballot measures, elections, corruption, dark money, outside spending, foreign influence, special interests, corporations, unions, federalism, self-government, political equality, term limits

Transcript Highlights:

• The Benevolent and Protective Order of Elks, known as the Elks Lodge, is a civic organization founded
• Protecting freedom of speech, I think, is an important thing, and I think that we have to hold our universities
• the Oklahoma State Bureau of Investigation.
• Leader, members, this would allow the legacy capital fund for the Bureau of Narcotics to expand $25 million
• Headquarters there at the Bureau of Narcotics. You have a question?

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

Transcript Highlights:

• > Protection</c> Bureau of Consumer Financial Protection Bureau of Consumer Financial Protection relating
• of Consumer Financial the Bureau of Consumer Financial Protection<02:17:25.519><c> relating</c><02:17
• by the Bureau of Consumer rule submitted by the Bureau of Consumer Financial<02:20:22.800><c> Protection
• > Protection</c> Bureau of Consumer Financial Protection Bureau of Consumer Financial Protection relating
• > Protections</c> Bureau of Consumer Financial Protections Bureau of Consumer Financial Protections relating

Bills: HB1526 , HR300 , HR293 , HR294 , HR164

Keywords: injunctive relief, court authority, legal proceedings, federal law, separation of powers, committee appointments, House of Representatives, membership, standing committees, legislative process, pairs, voting procedure, Congress, financial protection, overdraft lending, digital payments, consumer protection, voter registration, remote voting, proxy voting

Transcript Highlights:

• Like I said, I have been part of the process of the decommissioning of the former Army base land and
• But in the whole process of redeveloping the land between the Port of Oakland and the City of Oakland
• millions of dollars.
• Notably, the City of Oakland is absent and not supportive of AB 40.
• of Laborers.

Bills: AB40 , AB2674 , SB328 , SB344

Committee: House Natural Resources

Keywords: AB 2674, financial abuse, financial deception, elder financial abuse, bank fraud, scam prevention, consumer protection, depository institution, bank, credit union, suspicious transaction, fraud hotline, trusted third party, power of attorney, guardianship, conservatorship, elder abuse, senior citizen, treble damages, civil action

Summary: The Assembly Natural Resources Committee heard several measures, led by AB 40, which would require a full CEQA environmental impact report before approval of any new or expanded large coal terminal and require updated review if the project changes significantly. The author and supporters, including West Oakland community advocates and environmental groups, argued the bill was needed because an outdated environmental review did not analyze coal at the scale now proposed for the Oakland terminal and because West Oakland already bears heavy pollution burdens. Opponents, including business and terminal representatives, argued the project had already undergone extensive review and litigation and warned the bill would set a precedent for reopening settled approvals. Members questioned whether the air district had already approved the project and whether the bill was targeting a single facility. The author responded that the air district still had to issue a discretionary permit and that the bill was narrowly tailored to large coal terminals. The committee ultimately concurred in the Senate amendments to AB 40 on a recorded vote, with the bill passing out of committee. The committee also heard SB 344, which creates a project-specific pathway for San Diego’s Midway Rising redevelopment, a large mixed-use project with thousands of housing units, including affordable housing, parks, and a new arena. Support came from labor, the city, and business groups, while members raised questions about whether the bill was effectively insulating the project from CEQA litigation. The author said the bill does not exempt the project from CEQA but confirms the final EIR’s sufficiency once certified. SB 344 received a due pass recommendation and passed the committee. Finally, the committee heard SB 328 for the Concord Reuse Project Area, which would streamline implementation of the former Concord Naval Weapons Station reuse plan by creating an exemption within the Surplus Land Act and related disposition process for qualifying projects. The author and supporters emphasized decades of planning, extensive environmental review, a project labor agreement, and commitments to 25% affordable housing and open space. After questions about enforcement of affordability and tribal consultation, the bill received a due pass recommendation and passed. The committee also adopted a consent resolution and passed AB 2674, a transparency measure requiring CARB to post landfill temperature and monitoring data it already receives.

Bills: HSB513 , HSB514 , HSB516 , HSB517 , HSB520 , HSB526 , HF736

Committee: Joint Commerce

Keywords: utilities commission, executive director, state administration, public utilities, government oversight, regulations, expungement, investment adviser, commissioner of insurance, regulatory process, financial services, financial exploitation, eligible adults, life insurance, disbursement delay, permissible third parties, service contracts, licensing, motor vehicle, civil penalties

Transcript Highlights:

• HCSMs are made up of communities of faith-centered people who support one another financially and prayerfully
• Existing oversight by the Attorney General, the Department of Financial Services, and the Office of Insurance
• The Attorney General, the Department of Financial Services, and the Office of Insurance Regulation remain
• figure out, hey, how can we get that kind of information in the hands of consumers?
• figure out, hey, how can we get that kind of information in the hands of consumers?

Bills: S0266 , S0394 , S0540 , S0632 , S0642 , S0832 , S0834 , S1028

Committee: Senate Banking and Insurance

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Bills: SSB3086 , SSB3012 , HF864

Committee: Joint Technology

Keywords: digital financial asset transaction kiosks, cryptocurrency kiosk, bitcoin ATM, crypto ATM, consumer fraud, unlawful practices, attorney general enforcement, civil penalties, injunction, restitution, disgorgement, Iowa consumer protection, digital assets, virtual currency, financial kiosk, crypto kiosk, advertisement volume, video streaming, consumer protection, audio regulation

Transcript Highlights:

• [00:37:55.000] We have Ash Mason, waving in support, Office of Financial Regulation.
• protection, Trump's Genius Act to ensure progress never comes at the expense of consumer protections
• Ash Mason, Office of Financial Regulation, waiving in support.
• Department of Financial Services agency bill, SB 1452, updates the administration of my Safe Florida
• It is the riveting subject of protected cell captive insurance companies.

Bills: S0158 , S0314 , S0618 , S0684 , S0838 , S0990 , S1000 , S1082 , S1452 , S1494 , S1500 , S1568 , S1706

Committee: Senate Banking and Insurance

Keywords: pet insurance, consumer protection, insurance regulation, policy disclosure, agent training, payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, workers compensation, Florida statute, commercial insurance, insurance board, electronic signatures, vehicle titles, insurance regulations, auditing, total loss vehicles

Summary: The Banking and Insurance Committee considered a full agenda of insurance, financial services, and probate bills. Early action included SB 1000, setting a floor and ceiling for interest on attorneys’ trust accounts, which was reported favorably. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program for out-of-network emergency claims. Senator Graal explained it as a way to reduce litigation and use a dispute-resolution process similar to the federal No Surprises Act. An amendment intended to require plan disclosure and prevent default by nonparticipation drew questions from members and concerns from insurers and providers about clarity and scope, especially whether it could affect contracted rates or shift claims between state and federal systems. Senator Graal withdrew the amendment, and the bill was reported favorably after testimony from insurers and emergency physicians both supporting the underlying dispute-resolution concept while asking for further clarification. The committee also favorably reported SB 684 on electronic signatures for total loss vehicles and vessels; CS/SB 158 on pet insurance, which adds agent continuing education, stronger consumer disclosures, and annual reporting to OIR; SB 1494 on breast cancer screening coverage, expanding required mammogram and supplemental screening coverage; and CS/SB 314, a strike-all bill creating a Florida framework for payment stablecoin issuers consistent with the federal GENIUS Act. CS/SB 1500 on uncontested probate proceedings was also approved, with an amendment addressing access to safe deposit boxes by requiring letters of administration. SB 618 on workers’ compensation insurance raised the consent-to-rate cap from 10% to 20% for workers’ comp policies and adjusted the Florida Workers’ Compensation Guarantee Association board membership; supporters said it would help keep high-risk employers in the voluntary market. Later, the committee approved CS/SB 1568 creating a Florida Stablecoin Pilot Program within DFS to allow certain stablecoin payments for fees, after a substitute amendment removed authority for a Florida coin, limited eligible stablecoins, and required qualified public deposit handling. CS/SB 838 clarified that convenience fees for electronic payments on retail installment contracts are permissible, while preserving a fee-free payment option; members discussed consumer access and fee concerns. CS/SB 1452, a broad DFS agency bill covering My Safe Florida Home, insurance administration, unclaimed property, licensing, and other departmental changes, was reported favorably after a technical amendment. The committee also approved SB 1706 creating a My Safe Florida Condominium Pilot Program targeted to owner-occupied, lower-income condominiums, and SB 990 authorizing protected cell captive insurance companies in Florida, with supporters arguing it would modernize law and promote competition. The meeting concluded with all bills on the agenda that were heard being reported favorably and the committee adjourning without objection.

Transcript Highlights:

• He has a keen understanding of consumer protection, antitrust, and administrative law.
• The informing consumers about smart devices act the spy fridge at bill required disclosure of hidden
• The committee also should focus on protecting consumers from scams and the FTC consumers report shows
• This legislation would protect our seniors from fraud and strike at the heart of one of the most lucrative
• financial streams for some of the most heinous. criminal networks on the face of the earth.

Bills: SB244 , SB28 , SB289 , SB323 , SB389 , SB414 , SB428 , SB433 , SB582 , SB613 , SB759 , SB792 , SB841 , SB843 , SB97

Committee: Senate Commerce, Science, and Transportation Committee

Keywords: national security, cybersecurity, consumer technology, routers, modems, study, communication, consumer protection, smart devices, transparency, internet-connected devices, FTC enforcement, lithium-ion batteries, battery safety, consumer product safety, CPSC, Consumer Product Safety Commission, e-bikes, electric bicycles, e-scooters

Summary: The Senate Committee on Commerce, Science, and Transportation held an important meeting where they discussed various bills aimed at addressing pressing issues like consumer protection, technology, and environmental management. Chairman Cruz opened the meeting by emphasizing the role of subpoenas in ensuring accountability and oversight, highlighting a recent compliance from several parties following such threats. The meeting progressed to consider several bills, including the Romance Scam Prevention Act championed by Senator Blackburn, which seeks to protect vulnerable populations from online dating scams that have resulted in enormous financial losses, particularly among seniors. The committee also nominated Michael Kratios for the Office of Science and Technology Policy and Mark Medder for the Federal Trade Commission, underscoring the significance of leadership in fostering innovation and consumer protection in technology sectors.

Bills: HR213 , SB2607 , SB2043 , SB2396 , SB2835

Keywords: Hawaiian Council, Council for Native Hawaiian Advancement, Native Hawaiian, Native Hawaiian community, Native Hawaiian advocacy, recognition resolution, ceremonial resolution, nonprofit, community development, economic development, cultural preservation, self-sufficiency, housing counseling, community development financial institution, CDFI, small business accelerator, trades academy, tourism, regenerative tourism, iwi kūpuna

Transcript Highlights:

• These are specifically focused on consumer protections.
• of consumers and minors.
• But to protect the world of work and protect workers and protect people, The world of work and protect
• Florida has spent decades building consumer protections that focus on harmful outcomes regardless of
• Deceptive practices are covered by consumer protection law, and sexual exploitation of minors is criminal

Bills: S0214 , S0482 , S7030 , S0554 , S0994 , S0998 , S1004 , S1074 , S1076 , S1266

Committee: Senate Commerce and Tourism

Keywords: special districts, funding, financial assistance, rural community, state agency, economic development, artificial intelligence, personal data protection, consumer rights, chatbot, deceptive practices, government contracts, public records, consumer protection, data privacy, investigations, proprietary information, chatbots, Florida statutes, nonprofit

Summary: The Commerce and Tourism Committee heard and advanced several bills. SB 1076 would raise Florida’s research and development tax credit cap from $9 million to $50 million, with the higher cap first applying to the 2027 allocation; it was reported favorably. CS/SB 1266 would create a Cybersecurity Experiential Internship and Clearance Readiness Program with the Department of Commerce and Cyber Florida, but an amendment removed the bill’s funding appropriation; the amended bill was reported favorably. SB 554, a Florida Bar-backed update to the not-for-profit corporations statute, was also reported favorably after support testimony from the Bar and others. SB 1004, aimed at protecting buyers of dogs and cats from deceptive financing and undisclosed health conditions at retail pet stores, drew strong support from animal welfare advocates and was reported favorably. SB 1074, which sets rounding rules for cash transactions if pennies are unavailable, was reported favorably as well. The committee also considered SB 998, the Department of Commerce package. The bill would modernize the small cities CDBG program, clarify rural community eligibility to include certain unincorporated areas, exempt military conveyances from a reverter clause, and revise E-Verify enforcement and penalties. Members questioned the E-Verify provisions, including the fine structure, treatment of workers incorrectly flagged, and whether the bill could affect gig workers or retroactive cases. Senator Smith opposed the bill during debate, arguing it created unequal treatment for employers and immigrant workers, while Senator Wright supported the military-related provisions. SB 998 was reported favorably. SB 214 would expand the rural economic development initiative to include special districts in rural counties and was reported favorably. SB 482, the Artificial Intelligence Bill of Rights, generated the most extensive discussion; it would create consumer protections for companion chatbots, require parental consent and access for minors, mandate disclosures and de-identification rules, restrict unauthorized use of name, image, and likeness, and give enforcement authority to the Attorney General. Supporters emphasized child safety, privacy, and the need for guardrails, while opponents and some informational witnesses raised concerns about privacy, age verification, enforcement, and the bill’s breadth. The bill was reported favorably, and the committee also approved SPB 7030, a committee bill creating a public records exemption for Department of Legal Affairs investigations tied to the AI enforcement provisions.