Transcript Highlights:

• Welcome to Banking, Financial Services, and Pensions.

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.

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:

• , to transition or convert from one type of financial institution to another.
• , to transition or convert from one type of financial institution to another.
• State of Wyoming, to allow it to transition or convert from one type of financial institution to another
• <00:59:25.680> institution<00:59:26.319> that<00:59:26.559> that new financial
• institution that that new financial institution that that could<00:59:27.359> meet<00:59:27.680

Bills: SF0021, SF0022, SF0054, SF0055

Keywords: stable token, liquidity, trust account, Wyoming, fund distribution, financial regulation, state commission, decentralized, nonprofit association, merger, conversion, liability, membership, governance, indemnification, banking regulation, special purpose depository institution, conversion process, Wyoming state laws, financial services

Bills: SF0021, SF0022, SF0054, SF0055

Keywords: stable token, liquidity, trust account, Wyoming, fund distribution, financial regulation, state commission, decentralized, nonprofit association, merger, conversion, liability, membership, governance, indemnification, banking regulation, special purpose depository institution, conversion process, Wyoming state laws, financial services

Transcript Highlights:

• How do we change their financial aid in January? Logistically, how does that work?
• So when are we changing their financial aid? Are we changing it every semester?
• So in a very real way, the taxpayers are also supporting those institutions.
• NRRI, the Natural Resource Research Institute, is based in Duluth and in Coleraine.
• Institutions are happy to be transparent about their outcomes, and as the U.S.

Bills: HF2634, HF2241, HF2649, HF2520, HF2610

Keywords: North Star Promise, scholarship, higher education, Minnesota Office of Higher Education, in-demand jobs, workforce development, career training, job market, high-demand occupations, high-demand industries, college aid, state financial aid, FAFSA, student eligibility, program of study, degree program, certificate program, community college, university, labor market data

Transcript Highlights:

• Uh simply saying and financial aid.
• <00:18:20.000> and come to Minnesota State institutions and come to Minnesota State institutions
• And so it does leave from institutions.
• 00:50:10.559> with<00:50:10.880> taking financially assist students with taking financially
• <00:51:33.839> state<00:51:34.000> of other institution in the state of other institution

Bills: HF2634, HF2241, HF2649, HF2520, HF2610

Keywords: North Star Promise, scholarship, higher education, Minnesota Office of Higher Education, in-demand jobs, workforce development, career training, job market, high-demand occupations, high-demand industries, college aid, state financial aid, FAFSA, student eligibility, program of study, degree program, certificate program, community college, university, labor market data

Bills: HB489, HB545, HB555, HB583, HB670, HB672, HB797, HB814, HB913, HB952

Keywords: transfer on death, TOD, beneficiary designation, investment accounts, brokerage accounts, securities, nonprobate transfer, estate planning, succession, probate, community property, forced heirship, financial advisor, broker-dealer, custodian, transfer agent, banking, wealth transfer, inheritance, Louisiana Revised Statutes

Transcript Highlights:

• tuition so that access to all institutions is possible for students with limited financial resources
• tuition so that access to all institutions is possible for students with limited financial resources
• tuition so that access to all institutions is possible for students with limited financial resources
• tuition so that access to all institutions is possible for students with limited financial resources
• . institutions. institutions.

Bills: HF4252

Keywords: higher education, student aid, financial aid, grant programs, scholarships, Office of Higher Education, Minnesota State, University of Minnesota, community college, technical college, postsecondary institution, college affordability, student fees, athletic facilities, competitive athletics, developmental education, remedial courses, pregnant students, parenting students, priority registration

Transcript Highlights:

• Essentially, it establishes a framework for financial institutions to Intervene when they suspect a protected
• adult is being targeted for financial exploitation or fraud.
• It also provides some immunities to the employees of those institutions and the institutions for acting
• I hope that there will be some training or guidance for financial institutions so that this is consistently
• applied through all banking institutions.

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:

• bill that gives Minnesota banks and credit unions a powerful new tool to protect customers from financial
• Financial exploitation is a growing crisis in Minnesota.
• <00:02:17.720> fraud protect customers from financial fraud protect customers from financial
• Um, financial<00:02:25.920> exploitation<00:02:26.880> is<00:02:27.040> a<00:02:
• 27.120> growing financial exploitation is a growing financial exploitation is a growing crisis

Bills: HF4502, HF3388, HF4106, HF400, HF4138, HF4118, HF4203

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Transcript Highlights:

• Under current law, public institutions of higher education in Texas have the ability to accept financial
• reviews of any potential financial contributions from foreign sources.
• Institutions are not allowed to take that foreign funding.
• So you feel that it's sufficient for the institutions to determine how they... Okay, good.
• It brings students to the institution.

Bills: HB173, HB184, HB484, HB678, HB 1211, HB1507, HB1705, HB1868, HB2290, HB2851, HB2856, HB3041, HB3204, HB173, HB184

Keywords: foreign donations, higher education, public institutions, national security, funding, prohibition, Texas law, healthcare, insurance, affordability, access, public health, foreign influence, education policy, student loan repayment, prosecuting attorneys, border prosecution unit, financial assistance, tobacco, cigarettes

Transcript Highlights:

• Some institutions have yet to adopt these critical measures.
• The Lemonade Tobacco Use Initiative is there to help these institutions.
• who wanted to be part of the institution.
• All right, ma'am, don't you if an institution is going to.
• You know, SACS is the only one for public institutions.

Bills: HB173, HB184, HB484, HB678, HB 1211, HB1507, HB1705, HB1868, HB2290, HB2851, HB2856, HB3041, HB3204, HB173, HB184

Keywords: foreign donations, higher education, public institutions, national security, funding, prohibition, Texas law, healthcare, insurance, affordability, access, public health, foreign influence, education policy, student loan repayment, prosecuting attorneys, border prosecution unit, financial assistance, tobacco, cigarettes

Transcript Highlights:

• Institutions.
• By establishing licensing and oversight under the Department of Financial Institutions, the bill ensures
• It's a reality. ...of Financial Institutions, the bill ensures providers operate transparently and with
• Chair, members, House Bill 2903 prohibits the state from requiring a bank or financial institution to
• use a social credit score when the bank or financial institution evaluates whether to lend money to

Bills: HB2118, HB2181, HB2308, HB2309, HB2402, HB2476, HB2682, HB2698, HB2875, HB2877, HB2903, HB2910

Keywords: mobile food vendors, licensure, food safety, statewide regulations, health standards, zoning, temporary vendors, HB2181, death certificate, death certificates, vital records, funeral establishment, funeral home, human remains, medical certification of death, death registration, state registrar, local registrar, county medical examiner, alternate medical examiner

Transcript Highlights:

• But yes, I think the intent, if we have a financial impact, it should have to circle back through and
• I think the intent, if we have a financial impact, it should have to circle back through and make sure
• address two problems first the financial address two problems first the financial reality<01:05:
• Well, guess who's a big financial supporter of Keith Ellison when he's campaigned financing a lot of
• Well, guess who's a big financial supporter of Keith Ellison when he's campaigned financing a lot of

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:

• Do we have an idea of how many institutions are kind of comparable in this range?
• And so I'm just trying to understand, you know, roughly how many other institutions might fall into these
• industry, turning it into economic impact and jobs here we want to align with some of the larger institutions

Bills: SB1670, SB1716, SB1521

Keywords: higher education, state regents, university research, technology transfer, intellectual property, patent ownership, royalty income, commercialization, startup companies, research partnerships, public universities, faculty inventions, student inventions, innovation policy, economic development, medical technology, biotechnology, energy technology, telecommunications, aerospace and defense

Bills: HF2543, HF2566, HF2627

Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits

Transcript Highlights:

• consequences if people make mistakes on them when stakes are high, for example when they're dealing with financial

Bills: HF2543, HF2566, HF2627

Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits

Transcript Highlights:

• What this bill actually does requires financial statements prepared by the municipalities and counties
• But, it's strictly dealing with the financial matters. And that's what it does. All right.
• inspecting and reviewing financial inspecting and reviewing financial information<00:08:35.360><
• This is just asking them to publicly post what's already being done in financial statements.
• Um, so I mean, I get the financial statements. I think I get the audits and the budgets.

Bills: SB32, HB404, SB105, SB32, HB404, SB105

Keywords: machinegun, enhanced sentencing, homicide, manslaughter, assault, public safety, HB404, Alabama Board of Cosmetology and Barbering, cosmetology, barbering, makeup artist, makeup application, lash artist, brow artist, lash/brow permit, esthetician, salon licensing, studio licensing, mobile salon, mobile studio

Transcript Highlights:

• Senate Bill 2067 will update as Other states have already done the process of a state law so that financial
• institutions can protect members from scammers in a more effective and efficient manner.
• Financial fraud is not a new problem; scammers often target older adults, often breaking them before
• This bill will realign some legal roadblocks, allowing financial institutions a clear path to help protect

Bills: SB1303, SB1343, SB1435, SB1438, SB1444, SB1641, SB1765, SB1916, SB2067

Keywords: workers' compensation, workers comp, Oklahoma Workers' Compensation Commission, Administrative Workers' Compensation Act, self-insurance guaranty fund, multiple injury trust fund, physician advisory committee, advisory council on workers' compensation, workers' compensation court, insurance, employer liability, self-insured employer, fund transfer, records transfer, agency reorganization, statutory cleanup, technical corrections, Title 85A, SB1343, Vision Plan Contractual Requirements Act

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