Bills: HB3317 , HCR75 , HR227 , HB7959 , HB8364 , HB6431 , HB6903 , HB5334 , HB2347 , HB5366 , HB6495 , HB7971 , HB6956 , HB4930

Keywords: gratuity, death benefit, civil servants, line of duty, federal employees, compensation, survivor benefits, emergency appropriations, Iran, military force, War Powers Resolution, U.S. Armed Forces, hostilities, Congress, national security, agriculture, National Agriculture Day, support, industry impact, celebration

Transcript Highlights:

• He then asked whether the bill was intended to capture automatic gratuity charges, such as a restaurant
• He said the main example he had in mind was mandatory gratuity, and in Section D on page two, lines 13
• I mean, really, no, I think the mandatory gratuity is really, and in section D, which is page two lines
• gotten lots of calls about restaurants in my area that not only the food, they've gotten a mandatory gratuity
• That was two or three times more than the gratuity was.”

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

Committees: House Commerce , House Commerce, Consumer Protection, and International Affairs

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

Bills: SCR53 , HB259 , HB267 , HB478 , HB548 , HB555 , HB617 , HB670 , HB672 , HB797 , HB848 , HB917 , HB921 , HB1096 , HB1103 , HB1166 , HB1195 , HB1230

Committee: Senate Commerce, Consumer Protection, and International Affairs

Keywords: payable-on-death accounts, transfer-on-death accounts, estate planning, beneficiary designations, Louisiana law, task force, inheritance, nonprobate transfers, excavation, demolition, infrastructure repair, BEAD Program, utility damage, construction coordination, contact point, home inspectors, board membership, licensing, term limits, Louisiana State Board

Bills: HR249 , HCR30 , HB2215 , HB2492 , HR952 , HR618 , HR531 , HB1829 , HB1550 , HR677 , HR1001 , HR167 , HR331 , HB1612 , HB1682 , HR364 , HR353

Keywords: Greece, Greek Independence Day, War of Greek Independence, philhellene, Greek-American, Hellenic, foreign affairs, bipartisan resolution, NATO, Eastern Mediterranean, Balkans, energy security, defense cooperation, Mutual Defense Cooperation Agreement, 3+1 partnership, Israel, Cyprus, Alexandroupolis, human rights, democracy

Transcript Highlights:

• However, we should not be paying processing fees on sales tax or gratuity.
• However, we should not be paying processing fees on sales tax or gratuity, because it's money that's
• We collect gratuities that belong to our employees. And we don't keep those either.
• We collect gratuities that belong to our employees. And we don't keep those either.
• Respectfully, restaurants already separate our food sales, taxes, and gratuities on our receipts.

Summary: The Special Legislative Commission studying the future of credit card payments and their impacts on small businesses held what leaders described as its last public hearing, though they said the commission would continue meeting to develop a report and recommendations. Chair Paul Feeney and other members noted the issue is complex and that they had sought testimony from a wide range of stakeholders before moving into a more deliberative phase. The commission adjourned after hearing from several in-person and virtual witnesses. Banking and card-industry witnesses, including the Massachusetts Bankers Association, the Card Coalition, the Electronic Payments Coalition, and others, argued that payment cards provide major benefits to consumers and merchants, including convenience, fraud protection, fast settlement, and broad access to electronic commerce. They warned that state-level changes to interchange rules could create a patchwork of conflicting requirements, disrupt global payment systems, and especially affect state-chartered community banks and small businesses. Several also said recent federal actions and litigation, including OCC and NCUA preemption rules and the Illinois interchange-fee litigation, have limited the practical reach of state laws. Restaurant, retail, and convenience-store witnesses pushed for relief from swipe fees, saying independent businesses operate on thin margins and pay fees on amounts that are not really their revenue, such as sales tax and gratuities. They urged transparency, the ability to surcharge, vendor compensation for tax collection, and limits on interchange or related fees. Some witnesses said merchants bear significant fraud and chargeback costs and that banks and card networks have not offered enough direct relief. Commissioners asked questions about surcharging, fee regulation, fraud, and whether industry should share more of the burden. No votes or formal actions were taken beyond adjourning the hearing.

Transcript Highlights:

• We're using it from here on forward as 'gratuity.'
• This is another paragraph about the gratuities.
• So that starts on page 22; this is where it covers the duties, tips, gratuities, or other donations.
• It's a cycle of high fees and hidden gratuities and is predatory in nature.
• Accessing your wage would not be contingent on giving a gratuity, so they're just separate.

Committee: House House Commerce & Economic Development Committee

Transcript Highlights:

• Before I was a banquet server on gratuity pay, I was unable to support, you know, like buying a house
• contract, that we keep the gratuity on the table for the guests, I mean for the employees.
• There is an amendment that says that the guests can remove the gratuity.
• Is he saying he wants to keep the gratuity? Yes. Got it. Okay.
• Also, other restaurants at Walt Disney World are entirely gratuity.

Summary: The Criminal Justice Subcommittee heard and voted on a series of bills dealing with traffic enforcement, drug-related homicide charges, vessel regulation, crime-stoppers records, cyber harassment, pawn data sharing, hotel removals of nonpaying guests, and Fish and Wildlife Commission authority. Members and witnesses generally framed the bills around public safety, law enforcement efficiency, victim protection, and property rights, while several bills drew concerns about criminal penalties, due process, and impacts on workers or families. Public testimony included support from sheriffs, police chiefs, AARP, hospitality workers, civil liberties groups, and industry representatives, depending on the bill. PCS for CSHB 351, creating a criminal offense for dangerous excessive speeding, passed 13-4 after debate over whether the new offense would expand search-and-seizure authority and whether the penalties were too harsh. HB 457, which expands third-degree murder to include unlawful distribution of controlled substances resulting in death and removes the under-18 exclusion, was amended to add a knowledge/should-have-known fentanyl standard and then passed unanimously 17-0. CS for HB 1285 on disposition of migrant vessels and HB 1149 on vessel accountability both passed unanimously after brief discussion and a cleanup amendment on HB 1149. HB 397, providing a public records exemption for Crime Stoppers organizations, passed 16-0 after a clarifying amendment. HB 1451 on sexual cyber harassment also passed 16-0 after an amendment expanding definitions, penalties, civil remedies, and limitations periods. PCS for HB 1359, requiring FDLE to study a statewide pawn database, passed 16-0 with support from law enforcement and concerns about linking local systems and private vendors. CSHB 535, which clarifies when guests in public lodging establishments may be removed for nonpayment and also addressed service-charge language affecting gratuities, generated the most extended debate and strong opposition from hospitality workers and labor advocates over due process and tipped income. Supporters argued it would clarify transient occupancy and protect property owners, but the bill passed 11-6. Finally, CS/HB 1133 on Fish and Wildlife Conservation Commission appointments and warrant requirements for FWC officers passed 16-0 after an amendment requiring warrants or probable cause for entry onto private land. The meeting adjourned after all agenda items were reported favorably.

Transcript Highlights:

• We pay these fees not just on food and beverage totals, but also on tax and gratuity.
• Senate Bill 688, an act prohibiting hard interchange fees on tax and gratuity.
• Processing fees should apply only to the subtotal, not to tax and not to gratuity.
• I believe it was Chair Feeney who said, you know, leaving a $20 gratuity.
• I believe it was Chair Feeney who said, you know, leaving a $20 gratuity.

Committee: Joint Joint Committee on Financial Services

Summary: The Joint Committee on Financial Services heard testimony on several bills focused on financial security, banking regulation, and payment-card fees. Treasurer Deborah Goldberg supported the Massachusetts baby bonds proposal (H. 48) and also endorsed bills on matched savings (H. 1158/S. 737) and retirement planning/Secure Choice (H. 1143/S. 722), arguing these measures would help address wealth inequality, build assets, and improve retirement readiness. Supporters of baby bonds included policy experts and health advocates from Children’s Health Watch and Boston Medical Center, who said early-life asset building could improve long-term economic and health outcomes for children in low-income families. AARP also urged passage of the retirement planning bill, citing the large share of private-sector workers without access to an employer retirement plan. Representative Donato testified for H. 1143, describing it as a voluntary retirement-savings opportunity for workers at small employers. The committee also heard testimony on H. 3933, concerning the Massachusetts Credit Union Share Insurance Corporation, from former Bank Commissioner Mike Hanson, who defended the state’s full deposit insurance system for credit unions and savings institutions as a longstanding consumer-protection model. The Massachusetts Bankers Association raised concerns about the bill’s technical provisions and broader credit union/bank competitive issues, while the Cooperative Credit Union Association supported related legislation allowing modest compensation for credit union directors (S. 821/H. 1338) and flexibility for state financial institutions to grow through partnerships (S. 723). Bankers opposed those credit union bills, arguing they would upset a level playing field and blur long-standing distinctions between banks and credit unions. A major portion of the hearing focused on H. 1259/S. 688, which would prohibit card interchange fees on the tax and gratuity portions of restaurant transactions. Restaurant owners and the Massachusetts Restaurant Association testified in favor, saying the fees are a significant and growing expense, especially as most customers now pay by card; they argued the bills would save restaurants money without affecting state revenue. Credit union, banking, and payments-industry representatives opposed the bills, saying interchange helps fund fraud protection and payment infrastructure, that the proposal would create compliance burdens and likely litigation, and that it would mainly affect Massachusetts-chartered institutions while national banks could be preempted. Committee members noted that a commission on payment-card fees is being established and said the issue would be studied further. The hearing also included support for a separate bill on virtual credit cards for dental providers, with dentists saying automatic virtual-card payments impose hidden processing fees and fraud risks.

Transcript Highlights:

• c> two</c><01:26:04.280><c> separate</c> Gratuity and service as two separate Gratuity and service as
• called a gratuity for those purposes.
• , it should be called a it's a gratuity, it should be called a gratuity<01:40:22.400><c> for</c><01:40
• Because the gratuity for those purposes.
• , it is a tip or a gratuity.

Committee: House Labor, Industrial and Rehabilitative Services

Transcript Highlights:

• However, we should not be paying processing fees on sales tax or gratuity.
• We collect gratuities that belong to our employees, and we don't keep those either.
• Respectfully, restaurants already separate our food sales, taxes, gratuities on our receipt. ...figure
• Respectfully, restaurants already separate our food sales, taxes, and gratuities on our receipts.
• ...loans based on meals tax and gratuities because they know those dollars are not restaurant revenue

Summary: The Special Legislative Commission on the future of credit card payments and their impacts on small businesses held what was described as its last public hearing. Chair Paul Feeney opened by noting the commission’s mandate under Chapter 238 of the Acts of 2024 and explained that members would continue working on a final report after the hearing. The meeting featured testimony from banks, payment industry groups, restaurant advocates, convenience store representatives, and others, with repeated discussion of interchange fees, surcharging, fraud, and federal preemption issues. Banking and card-industry witnesses, including the Massachusetts Bankers Association, the Card Coalition, and the Electronic Payments Coalition, argued that state-level interchange restrictions would disrupt a global payment system, create compliance problems, and likely apply only to a small share of transactions because of federal preemption. They emphasized consumer and merchant benefits of cards, the role of banks in absorbing fraud losses, and recent federal and state developments, including Illinois litigation, OCC and NCUA actions, and a settlement that they said would give merchants more flexibility. Several witnesses also suggested alternatives such as vendor compensation for tax collection and modernizing Massachusetts’ surcharge ban. Restaurant and convenience-store advocates took the opposite view, saying swipe fees are a major burden on thin-margin businesses and that merchants should not pay interchange on sales tax or gratuities that are not their revenue. Mass Restaurants United and individual restaurant owners described severe financial strain, rising costs, and the need for transparency and relief. NACS supported swipe fee reform and argued that current fees are excessive and inflationary. A few members questioned witnesses about whether industry should share more of the burden and about the feasibility of changing the current system. No votes or formal policy actions were taken. The chair said the commission would meet again to discuss a draft framework and final report, and members of the public were invited to submit additional written testimony before the commission concludes its work.

Transcript Highlights:

• This includes sales tax owed to the state and gratuity. that are passed on to employees.
• House Bill 4124 seeks to fix this inequity by ensuring that sales taxes and gratuity funds are legally
• Taking ends meet on that gratuity, Wall Street can't assess a hidden tax on that either.
• only state to have passed a similar interchange restriction based on state and local taxes and gratuities
• Where's the fairness in requiring an interchange fee for gratuities—gratuities that they want to get

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

Committee: House Pensions, Investments & Financial Services

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:

• Many of these employees earn the majority of their income through cash gratuities.
• Many of these employees earn the majority of their income through cash gratuities.
• Qualified tips are defined as cash gratuities earned by employees whose primary duties involve direct
• Qualified tips are defined as cash gratuities earned by employees whose primary duties involve direct
• On line 14, when it says cash gratuities, does that include credit card transactions?

Summary: The House Revenue and Finance Committee met to consider two tax-related measures sponsored by Representative Holofsky. The first was House Substitute 1 for House Bill 386, the Tipped Worker Tax Relief Act of 2026, which would allow a temporary Delaware income tax deduction of up to $15,000 for qualified tips for tax years 2027 through 2029, with phaseouts at higher incomes and a refundable credit for lower-income workers. Committee discussion focused on whether the bill applied to residents and non-residents, whether credit-card tips were included, the need for an updated substitute, and the expected fiscal impact. The Office of the Comptroller General said the bill would likely reduce general revenue and that the fiscal note had not yet been fully reviewed, while Deputy Secretary Goldsmith said the Department of Finance could administer it and that implementation costs would be modest. After public comment, the committee voted on a motion to release the bill, but it did not receive enough votes, so the chair said she would walk it for additional signatures. The committee then heard Senate Bill 219, which would phase in an increase in the military pension income exemption from $12,500 to $25,000 by tax year 2029. Representative Holofsky argued the measure would help attract and retain military retirees, support the economy, and provide a strong return on investment through spending, taxes, and community participation. Members raised concerns about whether the benefit should be income-based, with one member arguing that higher-income retirees may not need the tax break, while supporters emphasized the multiplier effect and the value of veterans to the state. Public testimony from Veterans of Foreign Wars representatives strongly supported the bill and described how the exemption could influence retirement decisions and local economic activity. A motion to release the bill also failed to get enough votes, and the chair said she would walk it for signatures before adjourning the meeting.

Transcript Highlights:

• that you had a situation like the winery where they're running banquets and weddings, where the gratuity
• I would think that the industry should instead substitute gratuity when they so the customer will know
• Uh, lose the service charge, use gratuity. would think that the industry should would think that the
• industry should instead<01:33:22.640><c> substitute</c><01:33:23.240><c> gratuity</c><01:33:24.080><c
• > when</c><01:33:24.280><c> they</c> instead substitute gratuity when they instead substitute gratuity

Committee: House Labor, Industrial and Rehabilitative Services

Transcript Highlights:

• Many of these employees earn the majority of their income through cash gratuities that are already fully
• Qualified tips are defined as cash gratuities earned by employees whose primary duties involve direct
• Qualified tips are defined as cash gratuities earned by employees whose primary duties involve direct
• Cash gratuities are earned by employees whose primary duties involve direct customer service, including
• On line 14, when it says cash gratuities, does that include credit card transactions?

Summary: The House Revenue and Finance Committee met to consider House Substitute 1 for House Bill 386, which would create a temporary Delaware income tax deduction for qualified tip income from tax years 2027 through 2029. The sponsor described it as relief for service workers in restaurants, salons, and similar tipped occupations, with a deduction of up to $15,000, income-based phaseouts, a refundable credit for lower-income workers, and a sunset for later review. Committee members raised questions about the resident/non-resident language, the fiscal note, and whether the Department of Finance could implement the change; Finance said the department could administer it and expected only modest administrative costs, while the Comptroller’s office said the bill would reduce general revenue. After a brief recess to review updated language, the committee took public comment, but no one testified. A motion to release the bill failed to receive enough votes, and the chair said she would walk it to seek additional signatures. The committee then considered Senate Bill 219, which would phase in an increase in the military pension income exemption from $12,500 to $25,000 by tax year 2029. The sponsor argued the measure would help attract and retain military retirees, citing economic return estimates, workforce benefits, and support from all 21 Senate co-sponsors. Some members supported the bill as a way to reward service and bring in long-term residents, while others questioned whether the exemption should be income-based rather than available to all military retirees, including those with substantial second careers. The Department of Finance said it could operationalize the bill and that the non-resident language was unnecessary because the subtraction is already picked up in the non-resident code section. Public testimony from veterans’ organizations strongly supported the bill, emphasizing that the exemption can influence retirement decisions and help veterans and their families stay in Delaware. A motion to release the bill also failed to get enough votes, and the chair said she would walk it for signatures before adjourning the meeting.

Transcript Highlights:

• only on the food and beverage we sell, but also on taxes we collect on behalf of the state and gratuities
• make more money because their percentage fee increases as prices increase, including on taxes and gratuities
• If money is collected for the Commonwealth's tax revenue or earned directly by employees as gratuities
• I respectfully urge the commission to avoid recommendations that create new tax and gratuity data mandates
• I respectfully urge the Commission to avoid recommendations that create new tax and gratuity data mandate

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing chaired by Senator Paul Feeney and Representative Jamie Murphy. The commission reviewed its charge to gather input on payment trends, cashless transactions, credit card fees, mobile payments, buy now/pay later, and related issues affecting small businesses. Representative Sean Garballey testified in support of maintaining the current card system, emphasizing tourism’s importance to Massachusetts and arguing that universal card acceptance and interchange stability are especially important with major upcoming events and visitors. A large portion of the hearing focused on independent restaurants and small businesses arguing that credit card processing fees are burdensome and unfair when applied to sales tax and gratuities that are not business revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others described razor-thin margins and said restaurants pay fees on money passed through to the state or employees. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses first, and making fees proportional. In response, credit union and banking representatives, including Alex Vereen, Brad Popolado, Deb Peters, and Keely McEwen, argued that interchange funds fraud protection, card infrastructure, and consumer protections, and warned that state-specific changes could create compliance burdens, higher costs, or reduced access to services. Several witnesses addressed legal and policy questions. Dan Swanson and David Montero said states have authority to regulate aspects of the payment system, but Montero warned that state-specific rules could create uncertainty and conflict with federal banking law. Julian Morris and other industry witnesses argued that card payments benefit consumers and merchants by reducing cash-handling costs and increasing spending, while critics of reform said changes could shift costs into bank fees or reduced rewards. Commission members questioned whether sales tax could be separated from card transactions, whether surcharging should be considered, and whether vendor compensation or other state-level relief might be more workable. The chairs said they were exploring a narrower, targeted approach rather than a broad overhaul, and announced plans for one additional public hearing to allow further testimony.

Transcript Highlights:

• only on the food and beverage we sell, but also on taxes we collect on behalf of the state and gratuities
• make more money because their percentage fee increases as prices increase, including on taxes and gratuities
• If money is collected for the Commonwealth's tax revenue or earned directly by employees as gratuities
• I respectfully urge the commission to avoid recommendations that create new tax and gratuity data mandates
• I respectfully urge the Commission to avoid recommendations that create new tax and gratuity data mandate

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Business held a public hearing focused on credit card interchange fees, cashless transactions, chargebacks, fraud, and possible reforms affecting small businesses in Massachusetts. Chair Paul Feeney opened the meeting, outlined the commission’s charge, and noted that the hearing would hear from small business owners, industry representatives, and others on the effects of payment trends and proposed policy changes. Representative Sean Garballey testified first, arguing that universal card acceptance and the current interchange system are important to Massachusetts tourism and should not be disrupted ahead of a busy summer season. A large portion of the hearing featured independent restaurant owners and advocates, who said processing fees are especially burdensome because restaurants operate on very thin margins and are charged fees on sales tax and tips that are not retained as revenue. Testifiers including Jen Ziskin, Kristen Canty, Nancy Cushman, and Kerry Colzer described rising operating costs and gave examples of annual or monthly fee totals, urging relief from fees on tax and gratuity amounts. Ryan Lotz also asked for chargeback reforms, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, proportional fees, and safeguards against repeat abuse. Several witnesses, including Dan Swanson, argued that states have authority to regulate aspects of the payment system and cited the Illinois litigation and federal court rulings as support for state action. Opposing testimony came from credit unions, banks, payment industry representatives, and policy groups, who warned that changing interchange rules could create compliance burdens, reduce rewards, raise account fees, and shift costs elsewhere. Witnesses such as Alex Vereen, Brad Popolado, Keely McEwen, David Montero, Hunter Hamburlin, and Luke Bondar emphasized fraud prevention, network security, consumer protections, and the need for a stable, uniform payment system. Some suggested alternatives such as vendor compensation, surcharging, instant payments, or QR pay code standards, while others argued that sales tax and tip amounts cannot easily be separated within current card-network architecture. The chairs said the commission is still exploring options, discussed possible state-level solutions, and announced plans for one more public hearing before moving toward recommendations and a report. The commission then voted to adjourn.

Transcript Highlights:

• Exempting sales tax gratuities from interchange is a monumental, unprecedented disruption to our electoral
• current Systems do not have the capability to identify and separate the sales tax percentages and gratuities
• I honestly feel that there is no benefit to the state or consumers in removing the sales tax and gratuity
• Regarding the restaurants, the gratuities are... 20%, 22%, whatever they are, but that's a significant
• Significantly from this piece of legislation in particular because of the gratuity aspect of it and sales

Bills: SB231 , SB584 , SB600 , SB668 , SB841 , SB986 , SB1003 , SB1244 , SB1625 , SB1960 , SB1963 , SB1964 , SB2026 , SB2056 , SB2368

Committee: Senate Business & Commerce

Transcript Highlights:

• only on the food and beverage we sell, but also on taxes we collect on behalf of the state and gratuities
• make more money because their percentage fee increases as prices increase, including on taxes and gratuities
• make more money because their percentage fee increases as prices increase, including on taxes and gratuities
• If money is collected for the Commonwealth's tax revenue or earned directly by employees as gratuities
• I respectfully urge the commission... ...to avoid recommendations that create new tax and gratuity data

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing focused on interchange fees, sales tax and tip processing, chargebacks, fraud, surcharging, and the broader future of payment systems. Chair Paul Feeney and co-chair Rep. Jamie Murphy opened by explaining the commission’s charge and inviting testimony from small businesses, industry groups, banks, and policy experts. Representative Sean Garballey testified first, arguing that Massachusetts tourism depends on universal card acceptance and stable interchange, and urging the commission not to disrupt the current system ahead of major events expected to bring millions of visitors to the Commonwealth. A large portion of the hearing featured independent restaurant owners and advocates describing thin margins and the burden of paying percentage-based processing fees on sales tax and tips that are not business revenue. Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others said restaurants often operate on very small profits and that processing fees on taxes and gratuities can amount to tens or hundreds of thousands of dollars annually. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, and limiting repeat abuse. Commission members pressed witnesses on whether tax and tip amounts could be separated at the point of sale, and several witnesses said current consumer card systems do not transmit that level of detail. Testimony from credit union, banking, and payments representatives largely opposed state-level changes that would carve out taxes or tips from interchange, warning of compliance burdens, higher costs, reduced rewards, and possible effects on fraud protection and access to credit. Alex Verine of America’s Credit Unions and Deb Peters and Keely McEwen of the Electronic Payments Coalition said the payment system is complex, that interchange funds fraud prevention and network infrastructure, and that new state mandates could create operational and legal uncertainty. Dan Swanson argued states have authority to act and pointed to Illinois litigation and federal court rulings, while Julian Morris and Brad Popolado emphasized the benefits of card acceptance, the decline of cash, and the need to consider other payment methods and check fraud as well. Several witnesses discussed international payment systems, instant payments, and QR standards as possible future directions. The chairs and members engaged in extended back-and-forth with witnesses about whether Massachusetts could exempt sales tax from swipe fees, whether surcharging should be revisited, and whether vendor compensation or other targeted relief might be more workable than broad changes to interchange. No votes were taken. At the close of the hearing, the chairs said the commission would hold one additional public hearing date to be determined, after which members would begin developing next steps and a report.

Transcript Highlights:

• if the provider's first attempt to collect outstanding proceeds and any additional fees, tips, gratuities
• allows EWA providers to operate until DIFI reviews their application, and adds the terms donation and gratuity
• if the provider's first attempt to collect outstanding proceeds and any additional fees, tips, gratuities
• if the provider's first attempt to collect outstanding proceeds and any additional fees, tips, gratuities
• the EWA providers to operate until DIFI reviews their application, and adds the term donation and gratuity

Summary: The committee worked through a long Minority Caucus calendar covering a wide range of bills, with many items on consent and several pulled for discussion. Early items included resolutions on Judea and Samaria, bullion depository bills, a produce incentive appropriation, a biennial budget proposal, and a veterans services appropriation. Members also heard transportation-related bills on driver permits, citations, boat insurance, English proficiency for commercial drivers and motor carriers, photo enforcement, and a measure restricting incarceration for unpaid fines and fees. Several members raised concerns about constitutional issues, public safety, or whether bills were duplicative or targeted at specific groups. A large portion of the meeting focused on education and school governance bills. These included proposals on school district bond advisors, restrictions on school property leases and purchases, public meeting requirements, term limits and training for school board members, patriotic youth group access to students, computer science proficiency, and a bill requiring fingerprint clearance cards for traffic school instructors. Members repeatedly criticized what they described as inconsistent treatment of public schools versus ESA/private school programs, and several education bills were pulled from consent for further discussion. Other bills addressed child safety and family law, including DCS credit freezes, recorded child interviews, parents’ rights notices, mandatory reporting of threats by minors, sex offender residency and GPS monitoring, and a bill on guardianship rights during DCS investigations. The committee also considered a number of social services, health, and labor/consumer bills. These included SNAP work requirement and verification measures, a SNAP error-rate audit, dementia care telemonitoring funding, a Braille transcription appropriation, court fee limits, a physician assistant compact, pediatric licensure compact, and a kratom regulation bill. Members debated an earned wage access licensing bill at length, with opponents calling it predatory and akin to payday lending, while supporters argued it provided a regulated consumer option. Other measures covered cash acceptance by businesses, 529-to-Roth IRA rollovers, AI rules for state agencies, and a bill on public nuisance actions by the Attorney General. Several of these drew warnings about constitutional problems, preemption, or burdens on vulnerable populations. Energy, water, and tax policy also featured prominently. The committee heard bills on fuel formulations, gas tax relief, data centers and small modular nuclear reactors, utility reporting, and a Commerce Authority mandate to reduce fuel prices. Members criticized some proposals as favoring industry, preempting local control, or lacking a clear funding plan. The meeting ended after additional items on veterans, sample ballot mailing dates, and other miscellaneous measures, with multiple bills noted as pulled from consent or subject to later votes; no final roll-call results were detailed in the transcript excerpt.

Transcript Highlights:

• significant measure that ensures that tipped workers in New Mexico receive every dollar of the gratuities
• employer that allows patrons to pay tips by credit card shall pay the employee the full amount of the gratuity