Transcript Highlights:

• This is a straightforward consumer protection bill responding to a growing and well-documented problem
• Failure to participate meaningfully in this process constitutes a willful violation of the Consumer Fraud
• This legislation was developed in coordination with DOJ's Consumer Protection Unit and is supported by
• a broad coalition, including AARP, NCAC, NAACP, CLASSY, and consumer protection attorneys with decades
• The Register of Regulations is maintained and published at the Division of Legislative Services.

Bills: HB89, HB328, HB344, HB365, HB283, HB89, HB328, HB344, HB365, HB283

Keywords: home improvement, consumer protection, consumer fraud, dispute resolution, mediation, contractor registration, home repair, renovation, homeowner, building contractor, construction fraud, treble damages, attorney fees, Department of Justice, Division of Consumer Protection, Department of Labor, good faith, unfair trade practices, Delaware, regulations

Summary: The Senate Elections and Government Affairs Committee met in hybrid format, approved the June 10 draft minutes, and then heard a long agenda of bills. HB 89 (home improvement fraud dispute resolution) was presented as a consumer protection measure developed with DOJ to address contractor fraud, especially against vulnerable homeowners; members voiced support and asked to be added as sponsors. HB 283 updated realty transfer tax exemptions to use gender-neutral “spouses” language and add a direct grandparent-to-grandchild transfer exemption; it drew supportive public comment. HS1 for HB 390 would let DelDOT choose electronic-only bidding for projects, remove newspaper bid-opening notices, and clarify bidding records, with no opposition raised. HB 328/H.A. 2 modernizes the Register of Regulations statute, keeps newspaper distribution requirements, and delays some effective dates to 2027; it was described as a technical update. HB 365 would create the Delaware Indigenous Affairs Commission, prompting supportive testimony from Indigenous community members and some discussion about representation and internal tribal اختلافs, but no formal opposition. HB 423 would automatically enroll new state employees in the 457B deferred compensation plan unless they opt out, with exclusions for collective bargaining units and implementation tied to payroll readiness; it was presented as a retirement-savings measure. SS1 for SB 342 would modernize the Delaware Motion Picture and Television Development Commission to support a broader film/media incentive package, with support from the Delaware Arts Alliance and a request to help attract productions to Delaware. The committee also heard SB 331, a cleanup bill on garagekeeper liens for manufactured housing and related assets. The sponsor and an attorney explained it as clarifying who can recover funds and attorney’s fees in lien sales, but the Chief Magistrate and the manufactured housing association said the issue should be addressed more carefully and possibly in another section of code; they were open to further work. HB 436 would update the Smyrna charter, including school impact fees, election challenge procedures, vacancy rules, domicile standards, Board of Elections terms, and meeting schedules. HS1 for HB 376 made technical and organizational changes to the Millville charter, including a tiebreaker for municipal elections and a property tax cap, with the town solicitor saying there was little substantive change. HB 460 would require New Castle County municipalities to submit permit data monthly rather than on a much slower schedule, limited to closed permits with certificates of occupancy, to improve property assessment data; it was presented as part of broader reassessment/data-quality efforts. Public comment was heard on several items, especially HB 365 and SS1 for SB 342. Indigenous speakers supported the commission as a way to preserve heritage, improve representation, and create a formal seat at the table. The Delaware Arts Alliance supported the film commission modernization bill as part of a broader creative-economy plan. No recorded votes were taken on the individual bills in the transcript, and the meeting ended with a unanimous motion to adjourn.

Transcript Highlights:

• will simply go along with the Trump administration's deregulatory agenda. instead of fighting to protect
• consumers and financial stability.

Keywords: nominees, economic growth, financial stability, public testimony, consumer protection

Summary: The meeting centered around the confirmation of four significant individuals nominated for leadership positions within various financial institutions. Members engaged in heated discussions regarding the nominees' qualifications and past track records. Concerns were raised over the potential implications of these appointments on economic stability and consumer protections. Each nominee was scrutinized, with particular emphasis on their political alignments and prior influence in their respective agencies. Despite the contentious atmosphere, there was a clear focus on the need for strong leadership to guide economic policies during challenging times.

Transcript Highlights:

• I work at the Attorney General's Office in the Consumer Protection Division.
• that are taking steps to protect that are taking steps to protect consumer<00:01:53.160> privacy
• for consumer strongest protections for consumer affordability. affordability. affordability.
• We appreciate the goal of protecting consumers.
• My name is Grace Geddy, and I'm a policy analyst at Consumer Reports, where I focus on consumer protection

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:

• We want to promote responsible innovation and protect consumers.
• At the same time, they raise concerns and questions about consumer protection, financial stability, and
• Finally, consumer protection.
• And I want to focus my questions on kind of better understanding how consumer protections should work
• I agree with my colleagues, we've got to get consumer protection right.

Keywords: Digital Assets, Bitcoin, Stablecoins, Legislation, Bipartisan, Consumer Protection, Regulatory Framework, Financial Innovation, Testimony

Summary: The inaugural meeting of the Digital Assets Subcommittee brought a wave of excitement and anticipation regarding the future of digital assets, including Bitcoin and stablecoins. Chair Lummis expressed gratitude towards Senator Scott for establishing the subcommittee, indicating a commitment to promote responsible innovation while safeguarding consumers. Members discussed the necessity for a bipartisan legislative framework to regulate digital asset markets effectively while outlining the potential benefits such legislation could have on enhancing financial inclusion and streamlining payments. The meeting featured expert testimonies from key figures in the digital asset industry, highlighting the importance of creating clear regulatory guidance for digital assets to foster innovation without compromising consumer protections.

Transcript Highlights:

• Um, now it's just if you control 25,000 consumers or more, and those are Alabama citizens, or 25% of
• Um, now it's just if you um control<00:10:37.600> 25,000<00:10:38.320> consumers<00:10:
• 38.720> or<00:10:38.880> more,<00:10:39.120> and control 25,000 consumers or more
• , and control 25,000 consumers or more, and those<00:10:39.519> are<00:10:39.680> Alabama

Bills: HB351, HB351

Keywords: ad valorem tax, road funding, local government, referendum, Choctaw County, data privacy, consumer rights, personal data, data protection, Alabama Personal Data Protection Act, 1136, house, all

Bills: HB1851

Keywords: automatic renewal, consumer protection, cancellation policy, Oklahoma Fair Renewal Act, contract transparency, 914, all

Transcript Highlights:

• It also puts some other consumer protections in place, just making sure that people are aware that they

Bills: HB1851

Keywords: automatic renewal, consumer protection, cancellation policy, Oklahoma Fair Renewal Act, contract transparency, 914, all

Transcript Highlights:

• As a non-partisan enforcer of consumer protection and competition law.
• , Mark has served at the forefront of key consumer protection and antitrust issues.
• The FTC plays a critical role in protecting American consumers.
• And our reliance on such companies may raise both consumer protection and antitrust concerns.
• protection matter, some act of unfair practice or deception of consumers.

Keywords: Senate Committee, Commerce, Science, Technology, Quantum Computing, Artificial Intelligence, FTC, Consumer Protection, Innovation, Emerging Technologies

Summary: The meeting of the Senate Committee on Commerce, Science, and Transportation featured significant discussions regarding technological advancements and their implications for the future. Notably, nominations were made for key positions in the White House's Office of Science and Technology Policy and the Federal Trade Commission. Committee members expressed the importance of leading in emerging technologies like artificial intelligence and quantum computing, emphasizing that the pace of innovation is crucial for maintaining the United States' global position as a leader in technology. The discussions also highlighted the role of the FTC in protecting consumers from deceptive business practices and ensuring fair competition in the marketplace. Attendees underscored the urgency of advancing research and development in areas such as quantum computing, as evidenced by a demonstration of a new quantum chip anticipated to redefine computing capabilities across industries. Various members engaged in vibrant exchanges, showing support for initiatives aimed at bolstering innovation through public and private collaboration. Overall, the meeting set a strong agenda for pursuing future science and technology policies that ensure the U.S. remains at the forefront of global advancements.

Transcript Highlights:

• Jonathan McKernan, nominated to lead the Consumer Financial Protection Bureau, is clearly being sent
• a roll call vote to vote on the honorable Jonathan McKernan to be the director of the Bureau of Consumer
• Financial Protection.

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:

• consumers from unexpected or excessive increases.
• I know we share a commitment to balancing consumer protection while maintaining a stable competitive
• Unfortunately, this is not a free market in the sense that consumers are forced to buy these products
• If companies overprice, consumers can go elsewhere. Don't change that in the market.
• of consumer satisfaction with the TDI.

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Transcript Highlights:

• Restricting direct sales to protect legacy business models is protectionism at the expense of consumer
• Local dealerships create competition that protects consumers.
• Local dealerships create competition that protects consumers.
• SB 22 risks shifting economic activity away from locally rooted businesses and reducing consumer protections
• For the sake of local jobs, fair competition, and consumer protection, I respectfully urge you to oppose

Bills: SB22, SB310

Keywords: motor vehicle manufacturers, licensing, dealers, franchise agreements, consumer protection, water supply, sewage improvements, environment, funding, Mora County, 996, all

Bills: HB282, HB283, HB95

Keywords: government contracting, state agencies, local agencies, procurement, marketing contracts, advertising contracts, media monitoring, fact-checking, news ratings, bias ratings, misinformation, journalistic standards, news accuracy, vendor certification, contractor certification, public relations, media analytics, government procurement, Alabama, data privacy

Transcript Highlights:

• With that, I'd ask for your favorable. counties and cities to protect very important data.
• protection and financial stability.
• protections or taxpayers. ...to ensure progress never comes at the expense of consumer protections or
• protections.
• protections.

Bills: S0314, S0530, S0576, S0800, S0990, S1078, S1440, S1568, S1588, S1614

Keywords: payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, Florida lottery, state lottery, lottery tickets, lottery retailer, Department of the Lottery, Division of Security, ball machine, lottery vending machine, instant tickets, online lottery tickets, major procurement, vendor disclosure, performance bond, retailer bond

Summary: The committee heard and advanced several bills related to engineering regulation, cybersecurity, financial services, and state administration. CS/SB 800 would increase penalties for repeated unlicensed engineering practice and create an engineering student loan assistance program funded by licensure fees and fines; it was reported favorably after questions about whether it would reimburse victims of unlicensed practitioners, with the sponsor noting it would not and that affected individuals would need to pursue complaints and private legal action. CS/SB 576 created a local government cybersecurity protection program administered by Florida Digital Service, with state purchasing of cybersecurity services and priority for fiscally constrained counties; it received support from local government and industry groups and was reported favorably. CS/SB 1078 set transition requirements for gubernatorial administrations, including liaisons, briefing books, office space, IT access, and controlled access to agency records under a memorandum of understanding, and it also passed favorably. The committee also approved CS/SB 314, which creates a regulatory framework for payment stablecoin issuers in Florida, and CS/SB 530, which updates lottery operations, security, retailer rules, and bonding requirements. CS/SB 1614, after adoption of a technical substitute amendment, would limit local governments’ eligibility for certain state funding if they have excess funds, have recently been audited by the legislative audit committee, or fail to affirm expenditure of prior funds; the sponsor said it would give the Joint Legislative Auditing Committee more enforcement leverage, and the bill was reported favorably. CS/SB 990 authorizes protective cell captive insurance companies to expand insurance market capacity and potentially lower premiums, while CS/SB 1588 is a step toward implementing last session’s gold and silver legal tender law; both were reported favorably. Additional bills passed included CS/SB 1440, which adds cybersecurity-related exemptions and reporting provisions for financial institutions, loan originators, and money service businesses, and CS/SB 1568, which creates a Florida Stable Coin Pilot Program allowing DFS fees to be paid with approved stablecoins. The stablecoin bill was amended to add guardrails, including fee limits, website notice requirements, and restrictions if no approved issuers are available. The committee also received a brief budget overview highlighting major funding items such as Florida Forever, Everglades restoration, water quality, Farmers Feeding Florida, citrus recovery, school lunches, state parks, and law enforcement and staffing items, and members later recorded additional votes before the committee adjourned.

Transcript Highlights:

• don't go looking for medical debt; it's not like buying a flat-screen television or any sort of consumer
• So this is an essential investment in the department that will ensure that consumers and businesses we
• program that stabilizes individual market premiums, maintains enrollment levels, and ensures that consumers
• As more Minnesotans are driving electric vehicles, we must ensure that consumers are getting what they

Bills: HF1646, HF2443

Keywords: medical debt, debt relief, healthcare financing, consumer protection, financial hardship, commerce, cannabis, insurance, housing, ombudsperson, affordability, property, task force, financial institutions

Transcript Highlights:

• recommendation by the Texas Higher Education Coordinating Board and the Department of Family and Protective
• say that I was recently appointed by Governor Abbott to serve a six-year term on the Family and Protective
• say that I was recently appointed by Governor Abbott to serve a six-year term on the Family and Protective
• In my past work with the Department of Family and Protective Services, I heard from former foster youth
• all of these other things that we fill our high school diplomas with to be substituted and still protect

Bills: HB4, HB20

Keywords: district composition, congressional election, Texas, legislature, voting districts, fraudulent solicitation, disaster relief, nonprofit organizations, criminal penalties, consumer protection, fraud prevention, charitable donations

Summary: The Senate Committee on Education K-16 heard a series of higher education and K-12 bills, initially without a quorum and with several measures left pending subject to the call of the chair. Early bills included HB 1868, which would direct a study on lowering the dual-credit funding threshold for public junior colleges from 15 to 9 semester credit hours; HB 2598, which would replace statutory references to “licensed specialist in school psychology” with “school psychologist”; HB 3629, which would bar registered sex offenders from serving on independent school district boards of trustees; and HB 4361, which would require the Higher Education Coordinating Board to adopt rules for timely emergency notifications at public institutions of higher education. Each received brief sponsor explanations, no opposition testimony, and was left pending. The committee also heard HB 4848, requiring public higher education systems to ensure at least one institution offers affordable competency-based bachelor’s degree programs in high-demand fields, and HB 1211, which would remove the age 25 deadline for former foster youth to use public college tuition waivers. HB 1211 drew extensive supportive testimony from Texas CASA, a former foster youth who benefited from the waiver, and a current student headed to medical school, all arguing the change would better match the realities faced by youth aging out of care. Members discussed the bill’s fiscal uncertainty and the argument that the waiver is an investment in workforce participation; the bill was left pending. Later, the committee heard HB 20, creating an Applied Sciences Pathway Program to let high school students earn certificates in targeted industries such as welding, plumbing, electrical work, manufacturing, and oil and gas while in school. Industry and workforce groups strongly supported the bill as a way to address labor shortages, while Texas 2036 raised concerns about allowing applied versions of core academic courses to substitute for traditional instruction. HB 4687, which would extend governmental immunity protections to certain campus/district charter schools and adult charter high schools, also received support from a charter-school attorney who said it would align statutes with existing case law and not expand charter rights. HB 4236, as substituted, would create a study group to examine the property value study’s effect on school finance and alternative valuation methods; it was adopted as a committee substitute and left pending. The committee also heard HB 824 on civics instruction in high school government courses and HB 2243, which would create a commission on teacher job satisfaction and retention; the latter prompted debate over removing “ethnic diversity” language from the commission’s makeup. After adopting the substitute for HB 2243 by roll call, the committee recessed subject to the call of the chair.

Transcript Highlights:

• That's not protection; it's a cover-up.
• H.B. 4623 protects good educators... ...your head on.
• That's not protection; it's a cover-up.
• I got that from Child Protective Services. The schools would not give it to me.
• And we don't have time to protect our kids; we have to protect them now.

Bills: HB4, HB20

Keywords: district composition, congressional election, Texas, legislature, voting districts, fraudulent solicitation, disaster relief, nonprofit organizations, criminal penalties, consumer protection, fraud prevention, charitable donations

Summary: The committee first took up House Bill 2853, which would allow the UT System Board of Regents to adjust the University of Texas at El Paso student union fee above the current statutory cap, subject to student approval, to help fund a new student union building. Senator Blanco explained the bill and the committee substitute, there were no questions or witnesses, public testimony was closed, and the committee adopted the substitute and left the bill pending subject to the call of the chair. The committee then heard House Bill 610, which would limit severance payments for terminated independent school district superintendents to six months’ salary and benefits. Senator Paxton described large severance payouts and said the bill had passed the House overwhelmingly. There were no witnesses, public testimony was closed, and the bill was left pending. A lengthy hearing followed on House Bill 4623, which would waive school district immunity in certain cases involving negligent hiring, supervision, or employment of professional school employees who commit abuse or related misconduct against students. Senator Paxton and several witnesses, including survivors and parents, argued the bill was needed to address cover-ups, delayed reporting, and repeated failures to remove dangerous employees; some members raised concerns about liability caps, litigation, and how the bill would interact with the Tort Claims Act. The committee also heard from TEA staff and employee-group witnesses who discussed possible injunctions and stronger no-hire protections. Public testimony was then closed and the bill was left pending. Finally, the committee heard House Bill 4, an accountability and assessment bill that would restore A-F ratings, change the state testing system, and replace STAAR with shorter, more instructionally useful assessments. Senator Bettencourt explained the committee substitute, including annual ratings, limits on taxpayer-funded lawsuits, and a phased-in testing redesign with beginning, middle, and end-of-year assessments. Testimony was generally supportive from education and business groups, though some witnesses favored norm-referenced testing while others emphasized criterion-referenced, TEKS-aligned assessments; one witness noted social studies assessments were restored in the bill. The hearing concluded with additional invited testimony and no final vote reported in the transcript.

Transcript Highlights:

• It's not like buying a flat-screen television or any sort of consumer item.
• It's not like buying a flat-screen television or any sort of consumer item.
• As more Minnesotans are driving electric vehicles, we must ensure that consumers are getting what they
• As more Minnesotans are driving electric vehicles, we must ensure that consumers are getting what they
• <00:35:39.520> are<00:35:39.680> getting must ensure that consumers are getting must

Bills: HF1646, HF2443

Keywords: medical debt, debt relief, healthcare financing, consumer protection, financial hardship, commerce, cannabis, insurance, housing, ombudsperson, affordability, property, task force, financial institutions, 1183, house

Transcript Highlights:

• <00:59:47.599> taxpayer agree that we've got to protect taxpayer agree that we've got to protect
• This protects uh motans and the visit.
• <01:41:53.679> taxpayers front end ways to protect taxpayers front end ways to protect taxpayers
• <01:42:35.040> the clear guidance that we can protect the clear guidance that we can protect
• protecting also those who need the most. protecting also those who need the most.

Bills: HF3423, HF2354, HF3634

Keywords: healthcare, provider enrollment, medical assistance, legislation, state funds, fraud prevention, subpoena authority, criminal penalties, consumer protection, service verification, Medicaid, human services, electronic documentation, 1183, house

Transcript Highlights:

• a violation of the digital goods advertising requirements an unlawful practice under the Arizona Consumer
• a violation of the digital goods advertising requirements an unlawful practice under the Arizona Consumer
• And take appropriate actions as provided by the Arizona Consumer Fraud Act.
• We have had legacy protections for child actors involved in the formal acting business.
• This fix protects drivers' independence by explicitly... It simply removes that ambiguity.

Bills: HB2010, HB2192, HB2310, HB2501

Keywords: digital goods, advertising, ownership, license, consumer protection, refund policies, streaming services, minors, content creators, online platforms, compensation, trust accounts, child protection, video content, privacy, employment, independent contractor, marketplace, digital services, contractual agreements

Summary: The committee heard House Bill 2010, which would prohibit sellers of digital goods from using terms like “buy” or “purchase” in a way that implies unrestricted ownership when the consumer is actually receiving a license, and would require clearer disclosures, post-transaction notices, prorated refunds or alternative access if license terms change, and enforcement under the Arizona Consumer Fraud Act. The sponsor said the bill responds to consumers being misled about digital purchases and to concerns that licensed content can be altered or removed after sale. The bill was approved on a 7-0 do pass vote. The committee also heard House Bill 2192, which would require compensation protections for minors featured in monetized online content, including trust-account requirements similar to child actor protections, recordkeeping, and a process for adults who were featured as minors to request removal or editing of content that identifies them. Google testified in support, saying the bill mirrors existing protections for child actors and provides a uniform standard; the sponsor said it addresses the growing child influencer industry. An amendment was adopted to clarify that platforms may rely on existing trust-and-safety systems and are not required to proactively monitor user content or be liable for third-party content if they comply with mitigation requirements. The bill then passed 7-0 as amended. House Bill 2310 was described as a technical fix to Arizona’s qualified marketplace contractor law for gig-economy platforms, clarifying that contracts may be terminated without cause on reasonable notice and that the contractor may terminate unilaterally. Lyft supported the measure, saying it removes ambiguity without changing the independent contractor framework; one senator questioned the wording, but the sponsor and witness said the intent was to preserve driver independence. The bill passed 7-0. The committee then heard House Bill 2501, an agency-requested measure from the Department of Insurance and Financial Institutions that conforms Arizona’s appraisal management company definition to federal law by updating the definition to include administering appraisal panels and defining a 12-month period. It also passed 7-0.

Bills: HB351, SB109, HB351, SB109

Keywords: ad valorem tax, road funding, local government, referendum, Choctaw County, Tuskegee University, education funding, Alabama Education Trust Fund, appropriation, agricultural research, data privacy, consumer rights, personal data, data protection, Alabama Personal Data Protection Act, peer-to-peer car sharing, vehicle insurance, liability, shared vehicles, taxation