Transcript Highlights:

• </c><00:10:06.200><c> and</c> approach to addressing waste Fraud and approach to addressing waste Fraud
• fraud.
• relating to fraud uh the biggest<01:10:15.320><c> fraud</c><01:10:15.640><c> that</c><01:10:15.800><
• </c> legislature established the child credit legislature established the child credit advaned<01:26:
• </c><01:27:25.960><c> Advan</c> whereas the the child credit Advan whereas the the child credit Advan

Bills: HF1, HF779, HF1034

Keywords: Office of Inspector General, inspector general, legislative audit, fraud prevention, waste and abuse, public funds, grant oversight, state grants, grant management, whistleblower protection, retaliation, subpoena power, data practices, government transparency, accountability, law enforcement referrals, sanctions, debarment, payment withholding, public assistance fraud

Transcript Highlights:

• Our initial mandate revolved around card fraud and skimming.
• Although gift card fraud can take several forms, an increasingly common and pervasive form is card tampering
• I actually have some gift card fraud cases within our office.
• I think it's a smart way to combat gift card fraud. Happy to answer any questions.
• 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

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:

• The next item is Senate File 106, Welfare Fraud Prevention Act amendments.
• ><c> Prevention</c><00:32:02.960><c> Act</c> 106, Welfare Fraud Prevention Act 106, Welfare Fraud Prevention
• Bring you Senate File 106, Welfare Fraud Prevention Act amendments.
• This is a common-sense look back at our welfare fraud prevention act. It brings it up to the times.
• I will tell you I don't think that fraud is rampant in Wyoming like it is in other states, but these

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:

• This is crucial to… investigations because certain perpetrators of credit card or debit card abuse work
• House Bill 272 builds upon our work from the last recessions in an effort to better fight credit card
• It ensures that law enforcement can target the full spectrum of credit. and debit card fraud with clarity
• And the same way that credit card abuse, and forgery, and other fraud statutes already exist there.
• Now debit and credit card fraud has overtaken. and loan losses as the primary source of loss in those

Bills: HB201, HB272, HB618, HB 1094, HB 1142, HB201, HB272

Keywords: financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, credit card fraud, debit card fraud, prosecution, illegal possession, state law, HB 618, Texas insurance code, IVF, in vitro fertilization, fertility treatment, infertility coverage, government employee health benefits

Transcript Highlights:

• These are the ATMs going into the throat of your card reader at the ATM, as well as the point-of-...
• ...sale terminal in any retail store where you believe that you're just inserting or tapping your card
• It also expands the window for firefighters to purchase prior service. credits and more.
• It's letters of credit. It's things like that. It's long-term debt, but not terribly long-term.
• House Bill 4029 addresses that. ...by granting these officers supplemental program service credit and

Bills: HB886, HB1514, HB2434, HB2688, HB2802, HB3161, HB3221, HB4029, HB4339, HB4591, HB4774, HB4802, HB4853, HB5627, SB1737

Keywords: retirement, supplemental payment, benefits, Employees Retirement System, eligible annuitants, legislation, annuity, service credit, Employees Retirement System of Texas, employee benefits, pension reform, public retirement systems, municipality pensions, firefighters, police officers, retirement age, DROP program, actuarial studies, pension benefits, municipal retirement

Transcript Highlights:

• Membership affects their service credits.
• to credit for Texans.
• Does AARP issue credit cards?
• I understand you don't know, but I believe AARP does have credit cards as an issuer, and I'm thinking
• Because you've extended too much credit. Correct.

Bills: HB886, HB1514, HB2434, HB2688, HB2802, HB3161, HB3221, HB4029, HB4339, HB4591, HB4774, HB4802, HB4853, HB5627, SB1737

Keywords: retirement, supplemental payment, benefits, Employees Retirement System, eligible annuitants, legislation, annuity, service credit, Employees Retirement System of Texas, employee benefits, pension reform, public retirement systems, municipality pensions, firefighters, police officers, retirement age, DROP program, actuarial studies, pension benefits, municipal retirement

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
• card to make that purchase.
• card companies are using.
• the federally chartered 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

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:

• the transaction are aware that they are receiving that processing fee should they choose to use a credit
• card to make that purchase.
• know you've been working on legislation and similar space. 3% is about the average cost that our credit
• card companies are using.
• 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:

• 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
• 6% of all credit union Customers are under a star, a credit union with a state charter.

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
• So looking on the bill that we're on right now, exempted payment card issuer means a payment card issuer
• And if you go to the last bill, the credit card issuer that together with any affiliates has consolidated

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:

• card and debit card information.
• [Audio unclear] Ranks eighth in credit card fraud, with 45,260 reports made in 2020.
• In 2019, the Legislature passed House Bill 2624, which authorized the prosecution of credit card or debit
• prosecuting credit card crimes.
• card crimes.

Bills: HB46, HB272, HB551, HB1661, HB2820, HB3181, HB4145, HB4157, HB46, HB272

Keywords: low-THC cannabis, dispensing organization, Texas Compassionate-Use Program, medical use, patient access, registration, healthcare, legislation, credit card fraud, debit card fraud, prosecution, illegal possession, state law, political contributions, address privacy, Texas Ethics Commission, election transparency, campaign finance, election supplies, ballots

Transcript Highlights:

• We mentioned DEED fraud.
• DEED deals with insurance fraud and then we have our financial fraud unit over at the BCA.
• </c> job is to do insurance fraud job is to do insurance fraud investigations<00:18:09.120><c> which<
• What's the credit cap?
• </c> um tax credit and dependent Care Credit um tax credit and dependent Care Credit because<01:40:56.880

Bills: HF1, HF1384

Keywords: Office of Inspector General, inspector general, legislative audit, fraud prevention, waste and abuse, public funds, grant oversight, state grants, grant management, whistleblower protection, retaliation, subpoena power, data practices, government transparency, accountability, law enforcement referrals, sanctions, debarment, payment withholding, public assistance fraud

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:

• to accept all Visa debit cards, or if they accept Visa credit cards, they have to accept all Visa credit
• cards. ... all Visa credit cards.
• to use their credit card.
• Credit cards.
• me any more to use a credit card.

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:

• up our credit card program.
• And that is credit cards.
• I mean, we had 9 million transactions last year and $50,000 in fraud cases just on credit cards.
• However, fraud in all forms, including credit and debit card fraud, remains a concern because we don't
• Just the fraud prevention alone makes credit. Card processing costs are worth it for me.

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:

• Members, the Lone Star card is the ID card for financial assistance programs in Texas, such as the Supplemental
• website for. reporting suspected fraud.
• Yes, to answer the first question, it is possible to place a photo on the card, the benefit card.
• if they have a card and the PIN number, so if they have that information, they are able to use the card
• That 11% rate you hear is not fraud.

Bills: SB240, SB1183, SB1184, SB1577, SB2043, SB2051, SCR42, SJR68

Keywords: biological sex, gender identity, public facilities, civil penalties, local government, EBT, electronic benefits transfer, food stamps, SNAP, Supplemental Nutrition Assistance Program, TANF, temporary assistance for needy families, welfare benefits, benefit card fraud, fraud hotline, card replacement, photo ID, recipient photograph, HHSC, Health and Human Services Commission

Transcript Highlights:

• Yes, to answer the first question, it is possible to place a photo on the card, the benefit card.
• the card at a retailer as federally required.
• Chairman and members, we're talking about preventing fraud, right?
• This card is called the Loan Star. card.
• That 11% rate you hear is not fraud.

Bills: SB240, SB1183, SB1184, SB1577, SB2043, SB2051, SCR42, SJR68

Keywords: biological sex, gender identity, public facilities, civil penalties, local government, EBT, electronic benefits transfer, food stamps, SNAP, Supplemental Nutrition Assistance Program, TANF, temporary assistance for needy families, welfare benefits, benefit card fraud, fraud hotline, card replacement, photo ID, recipient photograph, HHSC, Health and Human Services Commission

Transcript Highlights:

• 2024, I was fired from Texas Children's Hospital in retaliation for blowing the whistle on Medicaid fraud
• knowing that there's a possibility that there are illegal surgeries like this taking place and Medicaid fraud
• If you wouldn't mind, uh, filling out a card over here so we can— Denise Sibert: I'm sorry, I registered
• then give us your testimony, and then when you finish, you'll please head over here and fill out a card

Bills: SB 240, SB 1183, SB 1184, SB 1577, SB 2043, SB 2051, SCR 42, SJR 68

Keywords: biological sex, gender identity, public facilities, civil penalties, local government, EBT, electronic benefits transfer, food stamps, SNAP, Supplemental Nutrition Assistance Program, TANF, temporary assistance for needy families, welfare benefits, benefit card fraud, fraud hotline, card replacement, photo ID, recipient photograph, HHSC, Health and Human Services Commission