Transcript Highlights:

• Credit card fees are more than their rent.
• Utilities at $563,000, and credit card fees of $900,000.
• schedules and to instead set their own interchange fee rates for credit cards.
• Does the term "credit card fees" mean just one payment you're making, or are there several fees?
• Our fees, credit card fees for MasterCard and Visa. Okay.

Bills: HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175, HB245

Keywords: military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees, payroll deductions, retirement plans, fiscal transparency, local government, bond issuance

Transcript Highlights:

• Credit unions are capped at 18% with fees, whereas that 24.4% applies to other credit cards.
• Folks don't know what they're paying in credit card transaction fees.
• NFIB Texas and Texans Against Hidden Credit Card Fees.
• I paid $9,000 and and credit card fees for that.
• Look, I'm no fan of excessive credit card fees either, and I appreciate a...

Bills: HB245, HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175

Keywords: property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees

Transcript Highlights:

• It prevents large car credit card issuers and networks from coordinating swipe fees and gives merchants
• This again is in alignment with what the Trump executive orders have been, the Credit Card Competition
• It looks like the distinction Between the two is the amount of assets held by a credit card issuer.
• And if you go to the last bill, a credit card issuer, together with the affiliates, has consolidated
• That licensing fee would be $325 according to the new fee structure.

Bills: SB1241, SB1242, SB1442, SB1592, SB1623, SB1625, SB1913, SB1940, SB1949, SB2102, SB592, SB992

Keywords: ticket sales, resale, consumer protection, fraud, bots, transparency, refunds, event tickets, medical marijuana, cannabis, marijuana license, commercial grower, grow operation, bond requirement, land reclamation fee, revolving fund, environmental remediation, redevelopment, Oklahoma Medical Marijuana Authority, OMMA

Transcript Highlights:

• It prevents large credit card issuers and networks from coordinating swipe fees and gives merchants more
• This, again, is in alignment with what the Trump executive orders have been, the Credit Card Competition
• So it looks like the distinction between the two is the amount of assets held by a credit card issuer
• And if you go to the last bill, the credit card issuer that together with any affiliates has consolidated
• That licensing fee would be $325 according to the new fee structure.

Bills: SB1241, SB1242, SB1442, SB1592, SB1623, SB1625, SB1913, SB1940, SB1949, SB2102, SB592, SB992

Keywords: ticket sales, resale, consumer protection, fraud, bots, transparency, refunds, event tickets, medical marijuana, cannabis, marijuana license, commercial grower, grow operation, bond requirement, land reclamation fee, revolving fund, environmental remediation, redevelopment, Oklahoma Medical Marijuana Authority, OMMA

Summary: The Business and Insurance Committee considered a series of bills focused on credit card interchange fees, insurance regulation, alcohol licensing, utility contractor authority, medical marijuana bonding, and business liability. Senators Thompson’s SB 2102 and SB 1940 sought to limit swipe fees on large financial institutions and on taxes and tips, respectively; both passed after questions about the asset thresholds and their impact on merchants and banks. SB 1625, by Senator Fricks, would let the Oklahoma Insurance Department prepare impact analyses on health benefit plan legislation, and passed unanimously. SB 1442, by Senator Dossett, lowered distiller licensing fees, created a microdistillery license, and restored a liability insurance proof requirement through an amendment; it passed 11-0. SB 1623, by Floor Leader Daniels, would revise the state credit union charter and passed 11-0. SB 1242, by Senator Hamilton, increased the bond required for medical marijuana grows from $50,000 to $100,000 and passed 10-0. The committee also heard SB 1949 from Senator Logan, which would allow utility contractors to work closer to buildings on private property, up to five feet from structures, instead of stopping at the property line. The bill drew extended questioning from Senator Brooks about permitting, training, liability, and the relationship between utility contractors and plumbers; an industry representative testified that utility contractors already do much of the work under licensed plumbers and that the bill would reduce costs and speed projects, especially in rural areas. SB 1949 passed 8-2. Senator Reinhardt’s SB 1592 and SB 1913, both insurance-related committee substitutes, were described as ongoing negotiations aimed at homeowner insurance transparency and consumer protections; members were told the bills were still being refined, but both passed, 9-1 and 10-0, respectively. Additional measures included SB 592, which would let distributors issue credits to retailers after repeated product replacements, aimed at reducing losses from poor inventory control at large retailers; it passed 9-0. SB 992 would provide civil liability protection for businesses and property owners when violent criminal acts occur on their premises, except in cases of gross negligence; it prompted debate over gun-free zones, security, insurance, and whether the bill would reduce incentives for safety measures, but passed 5-3. Finally, SB 1241 created the Oklahoma Fraud and Ticketing Accountability Act to address fake tickets, bots, deceptive resale websites, and venue liability in the live-event market; supporters included arts venues, and the bill passed 8-0. The committee adjourned after completing its agenda.

Transcript Highlights:

• bill applies Swedish rounding to a final total transaction amount of a cash transaction after taxes, fees
• amendment in the chair's name to House Bill 2938 adds that a seller must calculate and remit all taxes and fees
• So if you pay by card, it's $4.73.

Bills: HB2174, HB2496, HB2744, HB2863, HB2910, HB2938

Keywords: insurance regulation, modeling organizations, financial disclosure, rate-making, predictive models, revitalization districts, construction contracts, infrastructure, municipal services, intergovernmental agreements, user fees, landowner agreements, overtime, wages, employee rights, industrial commission, complaints, adjudication, landlord, tenant

Transcript Highlights:

• card companies.
• It allows them to recoup the actual amount that they're being charged from the credit cards.
• So the cap is only what they're being charged by the credit card company.
• The cap is at 2% or whatever they're being charged by the credit card company, whichever is higher.
• card companies.

Bills: HB3041, HB4428, HB4429, HB1064, HB3265, HB3721, HB3028, HB3313, HB3588, HB3020

Keywords: credit card transactions, payment methods, service charge, consumer rights, financial regulation, public finance, pension, pension fund, retirement system, board of trustees, proxy voting, proxy proposal, shareholder vote, shareholder activism, fiduciary duty, pecuniary factors, nonpecuniary factors, ESG, environmental social governance, social goals

Transcript Highlights:

• Use print, not cursive, and fill out the entire card. Green cards are for support.
• Not cursive, and fill out the entire card. Green cards are for support.
• Red cards are for opposition. White cards are for providing information only.
• So is that a hidden fee?
• So is that a hidden fee? Because I'm thinking like hidden fees, sometimes you go to a hotel.

Bills: HB267, HB478, HB617, HB659, HB800, HB922, HB924, HB947, HB1166, HB1223

Keywords: home inspectors, board membership, licensing, term limits, Louisiana State Board, utility, reimbursement, overcharges, consumer protection, economic relief, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, unfair trade practices, advertising disclosures, total price, service fees

Transcript Highlights:

• have people that two or three people that would be kaying you know together and they get charged a fee
• just do a bill that restricts them for that certain period of time instead of basically requiring fees
• just do a bill that restricts them for that certain period of time instead of basically requiring fees

Bills: SB326, SB326

Keywords: sheriff, credit card, debit card, financial procedures, Jackson County, purchasing authority, boating regulations, anchoring, rafting, enforcement mechanism, environmental protection, 1136, house, all

Transcript Highlights:

• It raises the amount that people can charge a credit card processing fee.
• Last year, it raises the amount that people can charge a credit card processing fee to recoup some of
• should they choose to use a credit card to make that purchase.
• card companies are using.
• If they want to use a debit card or cash, they would not receive this processing fee.

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

Summary: The Banking, Financial Services, and Pensions Committee heard three bills. Senate Bill 2132, presented by Rep. Geis, would raise the allowable credit card processing fee cap from 2% to 3% and preserve consumer protections requiring notice to customers. During discussion, members raised concerns about whether 3% was enough to cover actual merchant costs; Geis said she had spoken with the Senate author and was prepared to amend the bill to 4%, which she said would better match average costs and cover most businesses. The committee agreed to let the language be handled before Oversight, and the bill passed 8-0. House Bill 1623, also presented by Geis, updates the state charter for credit unions to give state-chartered institutions more flexibility similar to federally chartered credit unions. It revises field-of-membership rules, removes geographic or membership overlap considerations, and allows the board to add association categories for individuals in underserved areas below 150% of the poverty level. The bill received no questions and passed 8-0. Senate Bill 267, presented by Rep. Lepak, carries the same language previously passed in House Bill 3020 and deals with protection of vulnerable adults. Lepak said bankers and credit unions were working together on the measure. The committee took no substantive debate and passed the bill 8-0. The meeting then adjourned.

Transcript Highlights:

• ensures that those who are doing the transaction are aware that they are receiving that processing fee
• should they choose to use a credit card to make that purchase.
• card companies are using.
• or cash they would Not receive this processing fee.
• the federally chartered credit unions and revises the field of membership for state charter credit unions

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:

• And I want you to give them credit for sitting so patiently.

Bills: SB2102, SB1940, SB1625, SB1442, SB1623, SB1242, SB1949, SB1592, SB1913, SB592, SB992, SB1241, SB259, SB1928, SB1426, SB1531, SB1561, SB1122

Keywords: credit card fees, merchant discounts, payment card network, interchange fees, transparency in fees, Oklahoma law, payment card, rebate, merchant, tax compliance, health insurance, mandate, impact analysis, insurance department, public health, access to healthcare, SB1442, alcoholic beverage control, ABLE Commission, liquor license fees

Transcript Highlights:

• And I want you to give them credit for sitting... How the legislative process works.
• And I want you to give them credit for sitting so patiently.

Bills: SB2102, SB1940, SB1625, SB1442, SB1623, SB1242, SB1949, SB1592, SB1913, SB592, SB992, SB1241, SB259, SB1928, SB1426, SB1531, SB1561, SB1122

Keywords: credit card fees, merchant discounts, payment card network, interchange fees, transparency in fees, Oklahoma law, payment card, rebate, merchant, tax compliance, health insurance, mandate, impact analysis, insurance department, public health, access to healthcare, SB1442, alcoholic beverage control, ABLE Commission, liquor license fees

Summary: The Senate convened with prayer, roll call, and several floor and gallery introductions recognizing the Doctor of the Day, Nurse of the Day, Mid-America Christian University, the Oklahoma Truckers Association, Leadership Wagoner County, the Broken Arrow Chamber, and an intern. The chamber then took up several bills in general order. Senate Bill 1426, requested by the Department of Human Services, would limit referrals to district attorneys to substantiated findings of abuse of vulnerable adults; it passed unanimously, 44-0. Senate Bill 1531 was presented as a placeholder vehicle for possible future FAA action on drones and unmanned aircraft, with questions focused on why the bill was being kept open and what language might later be added. It passed 33-12. Senate Bill 1561 would allow EMTs to be subject to progressive discipline for drug or other violations instead of automatic license revocation; it passed 46-0. The most extensive debate centered on Senate Bill 1122, which lowers the ad valorem assessment rate for broadband providers from 22.85% to 15% and was described by supporters as a way to create parity, encourage broadband expansion, and keep providers investing in rural Oklahoma. Opponents argued it would give a tax break to large legacy broadband companies, reduce county revenue by an estimated $20 million, and do little for homeowners, farmers, or other taxpayers facing property tax pressure. After extended questioning and debate, the bill passed 28-19. The Senate also laid over SB 1555, heard announcements, and adjourned until Monday, March 9 at 1:30 p.m.

Transcript Highlights:

• These are federal tax credit scholarships. They give Alabama new authority and opportunity.
• Every Alabama can receive every... a dollar-for-dollar federal tax credit of up to $1,700 per person
• state's... ...executive order assures that the state's automatic participation in the federal tax credit
• scholarship program allowing tax credit scholarship program allowing the<00:04:08.400><c> program</c
• The funds can be used for tuition, fees, special needs services, tutoring, books, and supplies.

Bills: HB342, HB342, HB168, HB220, SB187, SB270, SB265, SB220, SB242, SB277

Keywords: religious instruction, elective credit, released time, public education, school policy, tax credit, scholarship, education funding, financial aid, federal participation, HB168, Alabama, emergency management, local emergency management organization, mutual aid, mutual aid agreement, disaster response, public safety, public health, state emergency management plan

Transcript Highlights:

• because I don't like the color of your red jacket, and I'll probably lose and waste a lot of attorney fees

Bills: HB0130, HB0095, HB0096, HB0097, SF0101, SF0106, SF0067, SF0123

Keywords: Second Amendment, firearms, state rights, federal regulation, law enforcement, civil penalties, government liability, concealed carry, public colleges, university facilities, weapons legislation, self-defense, campus safety, weapons, age requirement, permits, HB0097, Wyoming firearms privacy, merchant category code, MCC

Transcript Highlights:

• last sentence on line six along the lines of: all investment earnings from this account shall be credited

Bills: HB0130, HB0095, HB0096, HB0097, SF0101, SF0106, SF0067, SF0123

Keywords: Second Amendment, firearms, state rights, federal regulation, law enforcement, civil penalties, government liability, concealed carry, public colleges, university facilities, weapons legislation, self-defense, campus safety, weapons, age requirement, permits, HB0097, Wyoming firearms privacy, merchant category code, MCC

Transcript Highlights:

• We're setting it into law, we're allowing them to charge a fee, we're not even putting a cap on the fee
• There is a fee for an expedited...
• the gift card for activation.
• , rendering the physical card useless considering the normal usage of a gift card.
• This is basically mirroring the laws that we already have on the books. credit cards.

Bills: HB3014, HB3109, HB3126, HB3474, HB3594

Keywords: gift card fraud, counterfeit gift card, gift card tampering, gift card theft, prepaid card, stored value card, retail fraud, financial crimes, consumer protection, organized retail crime, gift card skimming, magnetic stripe, chip card, redemption information, gift card packaging, Penal Code, felony theft, state jail felony, third-degree felony, second-degree felony

Transcript Highlights:

• fee of $8.
• They're housing them now today for a fee. Yes, sir. For a certain fee.
• Service fee offices. Service fee offices. Yeah. Thank you. Ms. Ms. Ms. Ma'am.
• Service fee offices. Service fee offices. Yeah. Thank you. Ms. Ms. Ms. Ma'am.
• Keith Neal with a white card. Keith Neal with a white card.

Bills: HB372, HB582, HB593, HB613, HB712, HB722, HB732, HB746, HB762, HB781, HB845, HB882

Keywords: roundabouts, public education, traffic safety, motor vehicles, driver education, reinstatement fees, vehicle liability, insurance coverage, grace period, lapse of coverage, local fees, transaction fees, funding, government authority, driver's license, state identification card, citizenship verification, eagle symbol, Department of Public Safety, homelessness

Summary: The House Transportation Committee heard an update from Office of Motor Vehicles leadership, who said the agency had achieved efficiencies, was operating in the black, had improved employee morale and staffing, and expected to begin testing the driver’s license portion of its modernization project in September. Members then took up several OMV-related bills. HB 781, creating a fleet vehicle registration program, was amended to delay implementation until January 1, 2028 or until the OMV registration system is updated, and was reported with amendments. HB 712, which waives OMV fees for driver’s licenses and state IDs for homeless persons who meet eligibility requirements, drew support from homelessness advocates and some members who said it would remove a barrier to work, safety, and housing; concerns were raised about verification and workload, but the bill was amended to require the department to waive fees and to require proof of homeless status, then reported by a recorded vote. HB 372, requiring OMV public education on roundabouts, was discussed as a safety and awareness measure, but the author agreed to voluntarily defer it in favor of pursuing a resolution or other approach. The committee also advanced HB 746 on oversized trucking permits after amendments clarified a one-year moratorium on new local permit requirements while preserving existing permits, and HB 732, which would allow the OMV commissioner to waive or reduce certain fees in humanitarian cases such as hospice, was reported favorably. HB 722, providing for automatic reinstatement of driver’s licenses after payment of fees and fines except for DUI-related suspensions, was amended and reported with amendments. HB 593, increasing the maximum local service fee for certain OMV field offices, prompted debate over costs to motorists and local control; an amendment exempted Shreveport, and the bill was reported with amendments by a 9-5 vote. HB 613, adding an eagle image to indicate U.S. citizenship on licenses and IDs, was amended and reported with a recorded 8-5 vote after members questioned its practical effect and recognition outside Louisiana. The committee also heard HB 582 and HB 762 on insurance lapse fees and debt recovery, with HB 582 reported favorably after the author agreed to work with another member on a similar bill, while HB 762 was discussed as a way to avoid adding a 15% Office of Debt Recovery fee to OMV-related debts.

Transcript Highlights:

• And so, it's talking about processing credit card transactions, talking about the potential fees.
• I mean, it is either 4% or the actual amount to be charged to the seller to process the credit card transaction
• , which means the actual amount that the credit card processor is charging the retailer.
• If these fees aren't capped, if credit card fees aren't capped at a reasonable rate, everybody else that's
• card surcharges and a retailer to work together on.

Bills: HB2933, HB3041, HB3048, HB3081, HB3297, HB3338, HB3673, HB3790, HB3983, HB4105, HB4139, HB4203, HJR1023

Keywords: insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, credit card transactions, payment methods, service charge, consumer rights, financial regulation, insurance, nonadmitted insurers, surplus lines, Oklahoma, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, towing services

Transcript Highlights:

• , which means the actual amount that the credit card processor is charging the retailer.
• , which means the actual amount that the credit card processor is charging the retailer.
• , which means the actual amount that the credit card processor is charging the retailer.
• If these fees aren't capped, if credit card fees aren't capped at a reasonable rate, everybody else that's
• Because the retailer is forced to pass that on to all goods to be able to have access to credit cards

Bills: HB2933, HB3041, HB3048, HB3081, HB3297, HB3338, HB3673, HB3790, HB3983, HB4105, HB4139, HB4203, HJR1023

Keywords: insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, credit card transactions, payment methods, service charge, consumer rights, financial regulation, insurance, nonadmitted insurers, surplus lines, Oklahoma, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, towing services

Summary: The Business and Insurance Committee considered a long agenda of bills and executive nominations. Among the bills, it advanced measures to update fire extinguisher industry age restrictions and application rules (HB 381), create a five-day cancellation right for homeowners after severe storm-related contracts (HB 3790), require a biennial workers’ compensation medical fee schedule update (HJR 1023), create the Oklahoma Home Services Act to standardize home service contract disclosures (HB 4139, amended to correct a wording error), cap surcharge fees and add a career tech exemption (HB 3041), create the Oklahoma Tolling and Recovery Board (HB 3297), allow expired electrical contractor licenses to be reinstated without re-examination (HB 3673), clarify who is not a security guard for licensing purposes (HB 4105), create a licensing framework for in-ground pool contractors effective November 1, 2027 (HB 3338), and streamline surplus lines insurance procedures and premium tax enforcement (HB 3048). One bill on smokeless tobacco taxation (HB 3983) drew extended debate over whether a weight-based tax would be fairer and revenue-neutral; after questions about health impacts, reporting, fraud concerns, and inflation, the bill failed to receive a second and was left in committee. HB 3041 also drew significant debate over whether it would effectively allow higher credit card surcharges, but it ultimately passed 5-4. The committee also heard numerous executive nominations, all of which were approved and sent to the full Senate. Those included Michael Stop and Michael Bauer to the Oklahoma State Athletic Commission, Michael Cantrell and Burrell Sears to the Oklahoma Abstractors Board, Richard Willoughby to the State Board of Licensure for Professional Engineers and Land Surveyors, E. Keith Mitchell and Andrew Revelis to the ABLE Commission, Jackie Ward to the alarm, locksmith, and fire sprinkler industry board, Terence Shreve to the Used Motor Vehicle Dismantler and Manufacturer Board, and Adra Berry as Cabinet Secretary of Licensing and Regulation. Nominees generally described their professional backgrounds and commitment to public safety, regulation, or industry expertise, and several senators spoke in support of their service. Most nominations passed unanimously or near-unanimously.

Bills: HB568, HB499, HB433, HB568, HB499, HB433

Keywords: voting rights, restoration, pardons, Parole Board, re-registration, conviction, states' voting laws, Lawrence County, Sheriff, credit card, debit card, government purchases, discretionary fund, financial accountability, tax distribution, Talladega County, economic development, public safety, rural infrastructure, child labor