Transcript Highlights:

• <00:35:25.280> offer<00:35:25.520> a intimidating. kiosks offer a intimidating. kiosks
• Many kiosk uh is even completed.
• safeguards that hold licensed kiosk safeguards that hold licensed kiosk operators<00:43:38.480><
• and<00:48:25.839> our basically scammers love kiosk and our basically scammers love kiosk
• Over 80% is at number is at kiosk.

Bills: HB2227, HB1775, HB1560, HB1642, HB1647, HB2003, HB1640, HB2198

Keywords: eviction, housing stability, tenant screening, court records, writ of possession, foreclosures, public sale, eligible bidders, housing, downpayment, judicial foreclosure, digital financial assets, consumer protection, financial kiosks, refunds, transaction security, HB1642, Hawaii, cryptocurrency ATM, crypto ATM

Summary: The committee on Consumer Protection and Commerce met on February 5, 2026, and heard testimony on several bills, beginning with HB 227 relating to eviction records. Supporters, including the Public First Law Center and the Office of Hawaiian Affairs, argued the bill would help people who prevail in eviction cases avoid long-term housing harm from online court records, while the Public First Law Center said keeping records off eCourt Kokua would not violate the First Amendment because the records would still be available in person. Members discussed access-to-justice concerns, and a witness said legal aid attorneys could still access the records through the attorney-only Jeff’s system and the court’s access-to-justice room. The chair also asked about precedent, and a witness cited a Hawaii Supreme Court case as supporting removal from the online database rather than sealing records entirely. The committee then took up HP 1775 relating to foreclosures, but the transcript only shows in-person opposition comments from the Hawaii State Bar Association Collection Law Section, the Hawaii Credit Union League, and the Hawaii Bankers Association. The credit union and banking groups said they had concerns about broader negative impacts on mortgage lending and other requirements, but no detailed discussion or action was captured before the committee moved on. The next measure, HB 1560 relating to consumer protection, drew support from the Office of Consumer Protection and cryptocurrency companies including Coinflip and America Digital, which said they already use wallet-pinning and other safeguards to prevent fraud. AARP Hawaii did not take a formal position but said the bill addressed a real problem, noting that Hawaii residents, especially in Kona, had lost more than $920,000 in 2024 to cryptocurrency ATM scams and arguing that stronger oversight was needed. The committee also heard HB 1642, which would ban cryptocurrency kiosks. The Office of Consumer Protection supported the ban as the best way to protect consumers from fraud, while Coinflip, Bitcoin Depot, and America Digital opposed it, arguing kiosks provide cash-based access to crypto, especially for unbanked or underbanked consumers, and that targeted regulation would be better than an outright ban. AARP Hawaii took no formal position but strongly emphasized the harm caused by scams, saying victims are often frightened into acting quickly and that kiosk transactions currently lack enough friction or intervention. Finally, HB 1647, also on consumer protection, would impose liability on host businesses that provide space for crypto kiosks. The Office of Consumer Protection warned small businesses might not understand the liability, while Coinflip, Bitcoin Depot, and America Digital opposed the bill, saying it would unfairly shift enforcement duties to host stores and could discourage businesses from hosting kiosks, effectively creating a de facto ban. No votes or final committee actions were taken in the portion of the meeting provided.

Transcript Highlights:

• kiosks before they actually get to them. kiosks before they actually get to them.
• our kiosk specific rules. our kiosk specific rules.
• these kiosks and convert it to crypto. these kiosks and convert it to crypto.
• criminal kiosk in their stores. criminal kiosk in their stores.
• on millions of dollars in kiosks? on millions of dollars in kiosks?

Bills: HB0075, HB0128

Keywords: virtual currency, kiosk, financial institutions, regulation, Wyoming Money Transmitters Act, penalties, severance tax, oil production, tax exemption, energy sector, economic impact, 916, all

Bills: HB0075, HB0128

Keywords: virtual currency, kiosk, financial institutions, regulation, Wyoming Money Transmitters Act, penalties, severance tax, oil production, tax exemption, energy sector, economic impact, 916, all

Transcript Highlights:

• And third 75 virtual currency kiosk.
• kiosks that currently don't have any. kiosks that currently don't have any.
• of virtual currency kiosks. of virtual currency kiosks.
• operate the kiosk. operate the kiosk.
• why are you using these kiosks? why are you using these kiosks?

Bills: HB0098, HB0075, HB0041, HB0101

Keywords: gun control, Second Amendment, constitutional rights, misdemeanor, law enforcement, virtual currency, kiosk, financial institutions, regulation, Wyoming Money Transmitters Act, penalties, death benefits, retirement, survivor support, public safety, guardianship, monitoring, ward protection, financial independence, case management

Transcript Highlights:

• of kiosk of kiosk and<00:07:44.120> that<00:07:44.280> would<00:07:44.440> protect
• kiosk, are growing at an alarming rate. kiosk, are growing at an alarming rate.
• We're a crypto kiosk operator here in the state of Hawaii. We have 24 kiosks across four islands.
• There than through a kiosk in Hawaii.
• We're a crypto kiosk operator here in the state of Hawaii. We have 24 kiosks across four islands.

Bills: HB1511, HB1535, HB1642, HB1753, HB1810, HB2282, HB2614

Keywords: consumer protection, unsolicited mail, unsolicited email, junk mail, spam email, deceptive marketing, misleading solicitation, high-pressure sales, vehicle warranty, auto warranty, service contract, home warranty, license renewal, registration renewal, government impersonation, affiliation disclosure, direct mail, email marketing, consumer fraud, refund

Summary: The committee heard several consumer-protection and insurance measures. HB 1511 HD2 would prohibit unsolicited mail or email using high-pressure tactics or falsely implying affiliation with another entity; it drew support from the Office of Consumer Protection, the DCCA Insurance Division, and the Service Contract Industry Council, with some written support and at least one opposition. HB 1535 HD2, concerning automated external defibrillators and a tax-related provision for devices installed in certain public accommodations, received comments from DOTAX and the Tax Foundation, with additional support from the Department of Health and other groups. HB 1642 HD1 would ban ownership or operation of digital financial asset transaction kiosks that accept U.S. currency; it was strongly supported by OCP, the Attorney General, and AARP, while kiosk operators and industry representatives opposed the ban and urged a regulatory approach instead, including licensing, transaction limits, refunds, and other safeguards. Members questioned whether federal action could preempt the bill and whether a licensure regime could be funded through a surcharge, but no action was taken during the discussion. The committee also took up HB 1753 on social media account deletion and permanent erasure of personal information, with OCP standing on its initial comments and TechNet and Will Caron in support. HB 1810 HD2 would impose prompt payment and financial reporting requirements on professional solicitors selling donated tangible property on behalf of charities; Goodwill Hawaii testified in strong support, emphasizing donor trust and transparency, and several nonprofit and business groups submitted supportive testimony. HB 2282 HD1, which would require explanations for premium increases and clarify insurance licensing and cancellation/non-renewal procedures, was supported by the Insurance Division and OCP; a vice chair asked for complaint data related to condo associations, and a member noted that the same agencies had previously opposed similar Senate bills. Finally, HB 2614 HD1 would require cosmetics merchants to accept returns of new or unopened goods within specified time frames and improve signage requirements; OCP said the bill addressed longstanding complaints about high-pressure sales tactics and no-return policies, citing over 180 complaints and survey results showing most complainants did not understand the policy and felt misled.

Transcript Highlights:

• Wishing to testify before the committee, please register at the kiosk located in the hallways behind
• In 2020, consumer losses from virtual currency kiosks surged nearly 10-fold.
• loss for any virtual currency kiosk operator.
• So ours, I can't speak for everybody, but ours have our name on the kiosk.
• My question is, what service am I getting by going to the kiosk?

Bills: HB1453, HB1718, HB2043, HB2207, HB2798

Keywords: local governments, anticipation notes, certificates of obligation, public works, flood control, financial management, local government, municipal financing, private activity bonds, closing definition, real estate finance, bond issuance, government regulation, bond election, general obligation bonds, GO bonds, political subdivision, city bonds, county bonds, school district bonds

Transcript Highlights:

• Please register at the electronic kiosk outside the room.
• Law enforcement agencies indicate that virtual currency kiosks have frequently been used in financial
• The anonymous nature of many virtual currency transactions has also made these kiosks a preferred tool
• This bill aims to deter criminal misuse of virtual currency kiosks and provides law enforcement with
• Now it's the crypto kiosks. Why the crypto kiosks?

Bills: SB383, SB1012, SB1181, SB1705, SB2075, SB2221, SB2586, SB2864, SB2994

Keywords: SB 383, ERCOT, Texas Utilities Code, interconnection, wind power facility, offshore wind, coastal wind, nearshore wind, Gulf of America, Texas coast, three marine leagues, electric grid, transmission line, distribution facility, renewable energy, battery storage, energy storage, grid access, power grid, electric service

Transcript Highlights:

• testimony or register a position on a bill from today's posting, please register at the electronic kiosk
• The anonymous nature of many virtual currency transactions has also made these kiosks a preferred tool
• First, virtual currency kiosk operators must be licensed.
• there were only seven states out of 50 in the United States with any type of regulation on crypto kiosks
• He said that now it was the crypto kiosks.

Bills: SB383, SB1012, SB1181, SB1705, SB2075, SB2221, SB2586, SB2864, SB2994

Keywords: SB 383, ERCOT, Texas Utilities Code, interconnection, wind power facility, offshore wind, coastal wind, nearshore wind, Gulf of America, Texas coast, three marine leagues, electric grid, transmission line, distribution facility, renewable energy, battery storage, energy storage, grid access, power grid, electric service

Summary: The committee took up a long list of pending bills before moving to several bills on the day’s posting. It reported favorably SB 438, SB 512, SB 647, SB 648, SB 715, SB 758, SB 1964, SB 2121, SB 2145, SB 2167, SB 2330, SB 2349, SB 2443, SB 2629, SB 2702, SB 1495, and SB 2268, with several of those adopted from committee substitutes. Some measures were sent to the local and uncontested calendar, while others were reported to the full Senate. Votes on the pending-business bills were generally strong, though SB 715 and SB 2330 drew recorded opposition; SB 647 and SB 648 had one member present not voting because of confusion over the deed-related bills. A major discussion centered on SB 715, which would establish a reliability standard and penalties/incentives for generation resources. Senator Sparks said the committee substitute would avoid unfairly penalizing existing dispatchable generation, allow wind and solar to qualify through storage or backup power, give the PUC flexibility to set standards and phase in the program, and exempt switchable units. Critics raised concerns that it could raise consumer costs and destabilize the market, while supporters argued it would improve reliability. The committee substitute was adopted and the bill was reported out 6-4. The committee also heard testimony on SB 2330, dealing with payroll deduction for association dues, where the author said the bill would end state involvement in dues collection except for first responders covered by meet-and-confer agreements. Members questioned why teachers and other employees were treated differently, and the bill was reported out 6-5. Other notable bills included SB 2864 on building-integrated photovoltaics, SB 1012 on sale of surplus state property, SB 2221 on fraudulent UCC filings, SB 1705 regulating cryptocurrency kiosks with licensing, transaction limits, fee caps, and a 72-hour hold, SB 1181 on combative sports licensing, SB 2586 on HOA transparency, SB 2075 as a TDLR cleanup bill, and SB 383 restricting offshore wind interconnection based on impacts to shipping, wildlife, and coastal interests. Several of these were left pending after testimony, with SB 1705 drawing both law enforcement support and industry concerns over the fee caps and limits.

Transcript Highlights:

• Well, I think you may be on to my next bill, actually, with the virtual currency kiosks.
• And we have probably about four or five VC kiosk companies of the 37 that we license.
• Members, this is another consumer protection bill around crypto kiosks that builds on a bill previously
• This bill will provide a 10-day window in which crypto kiosk operators must acknowledge and respond to
• This bill will provide a 10-day window in which crypto kiosk operators must acknowledge and respond to

Bills: HB744, HR197, SB54, SB79, SB163, SB287, SB375, SB386, SB398, SB469, SCR5

Keywords: public utility, common carrier, regulation, Public Service Commission, New Orleans, constitutional amendment, distributed energy, energy storage, electricity demand, virtual power plants, reliability, hurricane resilience, esthetics, cosmetology, hair services, beauty industry, Louisiana regulation, Louisiana Economic Development, sunset law, legislative authority

Summary: The House Committee on Commerce met on May 11, 2026, and first advanced several Senate measures with little or no opposition. It reported favorably Senate Bill 79 recreating Louisiana Economic Development, Senate Concurrent Resolution 5 establishing the Louisiana-Ireland Trade Commission, and Senate Bill 375 on Class B firefighting foam, after adopting a technical amendment clarifying use in declared emergency firefighting operations. The committee also advanced Senate Bill 398, which moves manufactured and modular housing regulation under the Louisiana Contractors Licensing Board and expands inspection and enforcement provisions, after adopting two sets of mostly technical amendments and hearing testimony that the change would improve consumer safety and increase inspection coverage without adding net cost to locals. It then reported favorably Senate Bill 163 on virtual currency business licensing, after adopting an amendment providing that any future federal licensing law would preempt the state act, and Senate Bill 287 on virtual currency kiosks, which adds refund timelines, disclosure requirements, customer support, and reporting duties; witnesses from the banking and law enforcement community said the bill responds to common fraud complaints and improves consumer protection. The committee also reported favorably Senate Bill 54, which allows estheticians to blow-dry hair after certain services, despite strong opposition from cosmetology board representatives and industry witnesses who argued the service is outside esthetics training, could create scope-of-practice and facility issues, and should instead be addressed by lowering or revising separate blow-dry licensing requirements. The committee then considered House Resolution 197, which urges the Louisiana Public Service Commission to study the feasibility and value of distributed energy generation and storage resources. After adopting technical amendments and a second amendment changing mandatory language to requests and urging the PSC to coordinate with the LSU Energy Institute, the resolution was reported favorably. Testimony from solar and energy industry representatives, the PSC, and LSU focused on how distributed resources, batteries, rooftop solar, and virtual power plants could improve reliability, reduce costs, and help meet rising demand; members also discussed how the study would evaluate market value, avoided costs, and capacity benefits. Questions centered on methodology, grid impacts, and comparisons to Texas’s ERCOT system and Winter Storm Uri, with PSC officials emphasizing that the study would help determine whether such resources benefit ratepayers. Representative Wright presented House Bill 744, a proposed constitutional amendment to transfer regulation of certain New Orleans utilities from the city council to the Public Service Commission. He argued the change could reduce rates through consolidation and eliminate duplicative regulatory costs, while PSC officials explained the city’s authority is a constitutional exception dating back to 1921 and that Entergy New Orleans and Entergy Louisiana operate as separate companies with different regulatory environments. After discussion of rate impacts, utility structure, and whether the proposal should instead become a study, the bill was deferred. The committee then began Senate Bill 386, the Louisiana Data Privacy Act, which would give consumers rights to access, correct, delete, and opt out of certain uses of personal data; the sponsor introduced the bill and the committee started considering technical and substantive amendments, but the transcript ends before final action on that measure.

Transcript Highlights:

• a consumer protection bill surrounding some of the protections dealing with the growth of bitcoin kiosks
• The legitimate players that are in the money transmitter space, as far as bitcoin kiosks are great with

Bills: HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Transcript Highlights:

• a consumer protection bill surrounding some of the protections dealing with the growth of Bitcoin kiosk
• The legitimate players that are in the money transmitter space, as far as Bitcoin kiosks, are great with

Bills: HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Summary: The Business and Insurance Committee first handled a series of executive nominations, including appointments or reappointments to the Oklahoma Securities Commission, Real Estate Commission, State Athletic Commission, Accountancy Board, Commission on Consumer Credit, Uniform Building Code Commission, Abstractors Board, Used Motor Vehicle Dismantler and Manufactured Housing Commission, and State Banking Board. Most nominees briefly addressed the committee, and the nominations were advanced by unanimous or near-unanimous votes. One HB 4488 was laid over at the start of the meeting. The committee then considered several bills. HB 4322, which would remove a dual-licensure requirement for funeral directors and embalmers, drew questions about consumer protection and body care procedures and passed 6-3. HB 4202, changing workers’ compensation fee schedule treatment for radiology, passed unanimously. HB 4203, directing the Uniform Building Code Commission to explore guidelines for single-exit configurations in certain buildings up to four stories, passed 7-2 after concerns were raised about fire safety. HB 4457, dealing with specialty pharmacies, pharmacy benefit managers, and access to specialty medications, passed unanimously. Members also debated HB 3983, which would move Oklahoma’s moist smokeless tobacco tax to a weight-based system; supporters argued it would improve fairness and revenue stability, while opponents said it would raise taxes on some products and lacked consumer protections. It passed 6-3. HB 3660, authorizing natural organic reduction as an additional end-of-life option, prompted a lengthy debate over dignity, religious concerns, and consumer choice; it passed 5-4. HB 3802, prohibiting auto insurers from raising premiums solely because a spouse died, passed unanimously. HB 2933, a consumer protection insurance bill, passed 9-0 after extensive discussion of claims handling and insurer accountability. Additional insurance and regulatory measures—HB 2955, HB 2956, HB 3781, HB 3521, HB 3796, HB 3794, and HB 3800—were also advanced, most with little or no opposition. The chair closed by noting all executive nominations and legislation had been cleared from the committee for the year.

Transcript Highlights:

• processors that aren't currently Licensed under the current rules or statute, and also adds digital asset kiosks

Bills: HB1016, HB1453, HB1992, HB2015, HB2940, HB2959, HB2997, HB3037, HB3045, HB3053, HB3087, HB3267, HB3301, HB3453, HB3495, HB3521, HB3581, HB3584, HB3586, HB3587, HB3662, HB3691, HB3695, HB3697, HB3742, HB3743, HB3845, HB4058, HB4125, HB4198, HB4227, HB4425

Keywords: minors, content creation, trust account, compensation, civil action, digital content, Oklahoma statutes, foreign ownership, property rights, agricultural land, Attorney General, divestment, real estate, felony penalties, motor vehicles, towing services, combination vehicles, wrecker fees, possessory lien, landlord

Transcript Highlights:

• Kiosks must display specific separate warnings about common scams.
• Uh, this bill strictly prohibits the buying, selling or sending of privacy-enhancing coins via kiosk.
• Kiosks must display specific separate warnings about common scams.
• Uh, this bill strictly prohibits the buying, selling or sending of privacy-enhancing coins via kiosk.
• At these kiosks, can you swap the crypto back for cash, or is it just a one-way transaction?

Bills: SB8, SB22, SB137, HB295, HB2, HB343, HB220, HB303, HB81, SB8, SB22, SB137, HB295, HB2, HB343, HB220, HB303, HB81

Keywords: emergency management, public funds, educational materials, state legislation, disaster response, uniformity, state laws, legislative commission, appointments, government structure, resilience, natural disasters, risk management, Alabama Resilience Council, Chief Resilience Officer, state planning, environmental protection, community preparedness, Alabama Office of Civic Engagement, Alabama Office of Minority Affairs

Bills: SR28, SB201, SB1379, SB1525, SB1966, SB2112, SB2170, HB2749, HB3262, HB3265, HB3673, HB3781, HB3040, HB3076, HB3369, HB3982, HB3462, HB3465, HB3521, HB3796, HB3800, HB4095, HB4298, HB4316, HB4338, HB4408, HB4454

Keywords: minimum salary, education funding, teacher compensation, Oklahoma education, salary schedule, human trafficking, victims, prevention, support services, Attorney General, pilot program, grant funding, SB1525, tourism, recreation, conference, Oklahoma Tourism and Recreation Department, Oklahoma Tourism and Recreation Commission, special agency account, private partnerships

Transcript Highlights:

• passed legislation last session to put some regulation around money transmitters, specifically Bitcoin kiosks

Bills: SR28, SB201, SB1379, SB1525, SB1966, SB2112, SB2170, HB2749, HB3262, HB3265, HB3673, HB3781, HB3040, HB3076, HB3369, HB3982, HB3462, HB3465, HB3521, HB3796, HB3800, HB4095, HB4298, HB4316, HB4338, HB4408, HB4454

Keywords: alpha-gal syndrome, alpha gal, tick-borne illness, tick bite allergy, red meat allergy, meat allergy, dairy allergy, anaphylaxis, Lyme disease, public health, tick prevention, vector-borne disease, allergy awareness, May awareness month, Oklahoma Department of Health, outdoor safety, health education, research funding, minimum salary, education funding

Summary: The Senate convened with prayer, the Pledge of Allegiance, and a special family recitation of the Declaration of Independence by Senator Hamilton’s children. The chamber then adopted SR 28, recognizing May as Alpha-Gal Awareness and Prevention Month in Oklahoma and encouraging awareness, prevention, and research on alpha-gal syndrome, a tick-borne allergic condition. Senator Seifried also introduced constituents affected by alpha-gal. Later, the Senate heard a gallery introduction from advocates for victims of impaired driving, highlighting the toll of DUI-related crashes in Oklahoma. The Senate then took up several House amendments and final-passage votes on bills. SB 201, clarifying that a teacher pay raise applies to certified classroom teachers, passed 47-0 and was advanced as an emergency. SB 1379, SB 1525, SB 1966, SB 2112, and SB 2170 also passed after adoption of House amendments, with SB 1525 and SB 1379 advanced as emergency measures. SB 1525 raised the threshold for contracting to host a conference from $25,000 to $75,000, and SB 1966 served as the annual omnibus highway, memorial highway, and bridge designation bill. Among the House bills considered, HB 3262 increased the sheriff fee for service of process from $50 to $100 and passed 37-8. HB 3265 allowed a psychologist to make PTSD determinations for the Oklahoma Police Pension and Retirement System and passed 47-0. HB 3781, a major insurance modernization bill changing rate-filing procedures for homeowners insurance and expanding the insurance commissioner’s review authority, passed 39-6 after extended debate over transparency, regulation, and market impact. HB 3040 expanded sex-offender loitering restrictions around businesses serving minors and passed 40-4, while HB 3076 authorized alternative teacher certification providers under OEQA oversight and passed 38-6 as an emergency measure. The chamber also passed HB 3369, a deregulation and efficiency bill affecting fire suppression and LP gas inspections, HB 2749, which shifted an intergenerational education program toward a Medicaid state plan amendment, HB 3982 on fleet vehicle titling, HB 3462 creating a shorter residential-only plumbing licensure pathway, HB 3465 extending the Oklahoma Emission Reduction Technology Rebate Program to 2029, HB 3521 modernizing money transmission law, HB 3796 as an Oklahoma Insurance Department omnibus bill, HB 3800 as a roofing-industry cleanup bill, and HB 4095 modernizing the 211 hotline advisory council. Several of these measures drew debate over regulation, workforce needs, public safety, or fiscal and policy impacts, but all of the listed bills ultimately passed by recorded vote.

Transcript Highlights:

• requires a person for any document recorded in person at a county recorder's office or at a recording kiosk

Bills: SB1108, SB1205, SB1241, SB1286, SB1366, SB1431, SB1473, SB1477, SB1478, SB1479, SB1492, SB1517, SB1563, SB1586, SB1665, SB1671

Keywords: cash transactions, mandatory rounding, swedish rounding, public notice, Arizona Revised Statutes, motor vehicle booting, private property, fees, dispute process, regulations, SB1241, private permitting provider, private permit, private certificate of completion, building permit, building plan review, inspection, single-trade residential construction, residential construction, municipal permitting

Summary: The Senate Regulatory Affairs and Government Efficiency Committee approved the February 4, 2026 minutes and first considered the reappointment of Troy L. Campbell to the Arizona State Liquor Board. Campbell described his nearly 10 years of service, his role as chair since 2019, and his focus on fairness, public safety, and applying the law consistently. He answered questions about the board’s workload and authority, noting it handles roughly 40 to 50 cases a year and does not issue fines. With no public testimony, the committee voted 6-0 with one not voting to recommend his confirmation to the full Senate. The committee then heard and passed SB 1478, a liquor omnibus bill making technical and policy updates to liquor statutes, including changing “manufacture” to “produce,” allowing rather than requiring cities and towns to levy certain liquor-related taxes or fees, repealing a federal food-safety preemption reference, and clarifying cider’s definition to include products up to 8.5% alcohol by volume. Supporters described it as an annual stakeholder-driven cleanup bill, and the Department of Liquor Licenses and Control testified neutral. The committee adopted the Bolick amendment and then passed the bill as amended. It also passed SB 1108, which creates a Swedish-rounding framework for cash transactions when pennies are unavailable, with signage and enforcement provisions; the Leach amendment removed an individual-item exemption and clarified tax treatment. The Greater Phoenix Chamber supported the bill, and the committee passed it as amended. The committee next approved SB 1205, regulating private-property vehicle booting by prohibiting local bans, setting signage, written permission, rate limits, release rules, and misdemeanor penalties. Supporters said it would provide a more transparent, less costly alternative to towing, while members raised concerns about signage, appeals, and consumer protections. The Bolick amendment made a technical change, and the bill passed as amended. SB 1241, allowing private permitting providers to conduct plan reviews and inspections for single-trade residential projects, drew the most debate: supporters argued it would reduce delays and costs for homeowners and help cities with backlogs, while cities and counties warned about public-safety risks, loss of local control, and liability concerns. After adopting the Payne amendment on immunity, the committee passed the bill 5-2. Finally, the committee passed SB 1366, which creates a Public Property Towing and Impound Practices Study Committee to review fees, standards, insurance, background checks, and related DPS and public-property towing practices. Some members objected that the study committee lacked minority-leader appointments, but supporters said the review was needed before making permanent changes. The committee then began hearing SB 1431, a housing-design bill limiting municipal design standards and restrictions on certain shared features, but the transcript ends before any action on that measure.

Transcript Highlights:

• While I regulate these kiosks.
• Meanwhile, the kiosk protections.
• local crypto cryptocurrency kiosks. local crypto cryptocurrency kiosks.
• :20:28.480> cash<00:20:28.799> to use the kiosk to to deposit cash to use the kiosk to
• into a um a crypto kiosk. into a um a crypto kiosk.

Keywords: 1183, house

Summary: The committee heard House File 3642, as amended by the DE1, which would prohibit virtual currency kiosks in Minnesota. The author, Chair Kaggel, said the bill is intended to stop scammers from using crypto kiosks to defraud vulnerable people, especially older adults, because the transactions are often irreversible and hard to trace. Representative Perryman spoke in support, describing local fraud cases and saying the issue had come to her attention through St. Cloud residents and police. The bill was laid over for further work with the Department of Commerce and other interested members. Testimony from law enforcement and advocates strongly supported the ban. A St. Cloud police sergeant said the problem is statewide and described a case in which a 78-year-old woman lost $80,000 after being directed to a kiosk. A Woodbury detective said current safeguards, including warnings, limits, and refund provisions, have not stopped weekly victimization and that scammers coach victims to bypass protections. An AARP Minnesota volunteer said kiosks are a preferred vehicle for scammers because they move stolen funds quickly and are especially harmful to older adults, and he noted that the 2024 consumer protections have not been enough. The Department of Commerce also supported the bill, saying crypto kiosks are a growing fraud vector and citing 120 complaints over three years, nearly $1 million in reported losses, and 70 cases with $540,000 in losses already in 2025. The department said many victims do not report losses, so the true amount is likely higher. In contrast, Coinflip’s general counsel opposed a ban and argued that fraud should be addressed through stronger regulation, refunds, blockchain analytics, and customer-service requirements rather than prohibiting a legal product. He said scams would continue through other channels if kiosks were banned. In discussion, members asked about the number of kiosks, how long they have been operating in Minnesota, and the scale of losses; the department said there are about 350 licensed kiosks operated by 8 to 10 operators, though the total number may be higher.

Transcript Highlights:

• and to license virtual currency kiosks. and to license virtual currency kiosks.
• operations of crypto kiosk services. operations of crypto kiosk services.
• what's going on here with these kiosks. what's going on here with these kiosks.
• Uh those kiosks in them. things in them. Uh those kiosks in them.
• currency kiosk currency kiosk fraud<00:20:22.000> complaints.

Keywords: Meeting Start 00:00 Call to Order and Roll Call 00:01 Discussion SB 157 00:23 Vote SB 157 05:22 Discussion SB 189 05:57 Vote SB 189 26:49, 958, all

Summary: The committee first took up Senate Bill 157, which would align Kentucky’s mortgage loan fee rules with federal standards by exempting certain first and second mortgages from the state’s total net income cap when they meet federal points-and-fees thresholds. The sponsor and Rocket Mortgage testified that the bill would make it easier for borrowers to buy down mortgage interest rates with discount points, helping affordability without changing borrower costs, while preserving the existing 4% cap for loans outside the federal standard. Members discussed how rate buydowns work in practice, and the bill passed with a favorable expression after a roll call vote. The committee then heard Senate Bill 189, as amended by a committee substitute, which would create a licensing and regulatory framework for virtual currency kiosks, or crypto ATMs, in Kentucky. The sponsor described widespread scam losses tied to these kiosks, especially among older adults, and said the bill would add consumer protections such as licensing, financial safeguards, transaction limits, refund or hold requirements, disclosures, receipts, and enforcement authority for the Department of Financial Institutions. He also said the substitute was based on other states’ models and that further changes might be needed, including possible floor amendments. AARP Kentucky testified in support of regulating crypto kiosks but said the committee substitute weakened consumer protections and urged stronger safeguards, including lower transaction limits, fee caps, identity verification, receipts, and scam warnings. AARP representatives cited data on scam complaints and losses in Kentucky and nationally, and said the point of transfer is the best place to prevent harm. Committee members generally agreed the issue was consumer protection, but one senator cautioned against overregulating personal financial choices and noted that scams exist in many forms. The discussion ended with acknowledgment that the bill would continue to be refined, including in coordination with the House and stakeholder groups.

Transcript Highlights:

• local crypto cryptocurrency kiosks. local crypto cryptocurrency kiosks.
• virtual currency kiosks in Minnesota. virtual currency kiosks in Minnesota.
• . kiosks. kiosks.
• tools to the kiosk. tools to the kiosk.
• crypto kiosk.

Bills: HF3642, HF2700, HF3615

Keywords: virtual currency, kiosks, prohibition, customer payouts, cryptocurrency regulation, consumer privacy, data privacy, health data, sensitive data, Minnesota Consumer Data Privacy Act, personal data, data broker, targeted advertising, geofencing, location tracking, health care privacy, patient privacy, consent, minor privacy, children's privacy

Summary: The Commerce Finance and Policy Committee met on House File 3642, which would prohibit virtual currency kiosks in Minnesota. The bill was laid over, and the committee adopted a DE1 author’s amendment. Chair Kaggel and Representative Perryman described the measure as a response to widespread scams using crypto kiosks, especially against older adults and other vulnerable people, and said they would continue working with the Department of Commerce and other stakeholders. Testimony from law enforcement and advocates strongly supported the ban. A St. Cloud police sergeant and a Woodbury detective described cases in which victims lost large sums, said the current safeguards and refund rules are being bypassed, and argued that the kiosks are difficult to investigate because funds move quickly and often overseas. An AARP Minnesota volunteer also supported the bill, saying kiosks are a preferred tool for scammers and that existing protections have not kept pace with the problem. The Department of Commerce said it strongly supports the bill and reported that it has received 120 complaints over three years involving nearly $1 million in reported losses, with 2025 the worst year so far. The main opposition came from CoinFlip’s general counsel, who argued that the problem is fraud generally, not kiosks themselves, and said Minnesota already has consumer protections, including refunds for eligible victims. He urged stronger regulation rather than a ban, citing blockchain analytics, hold periods, and 24-hour customer service as alternatives. Committee members then asked questions about how long kiosks have operated in Minnesota, how many there are, who owns them, and the scale of losses; Commerce said there are hundreds statewide, operated by a variety of companies, and that reported losses are likely undercounts.

Transcript Highlights:

• Call the kiosk company. Here's the phone number and find out why.' So I call the kiosk company.
• the kiosk equipment.
• Cryptocurrency ATMs, also known as crypto kiosks or virtual currency kiosks, look like bank ATMs and
• Cryptocurrency ATMs, also known as crypto kiosks or virtual currency kiosks, look like bank ATMs and
• This legislation would license kiosk operators as money transmitters, register kiosk locations across

Keywords: 995, all

Summary: The committee heard testimony on several financial services bills, with the main focus on cryptocurrency kiosk regulation, financial literacy, and earned wage access. Legislators and witnesses described widespread crypto-related scams targeting older adults, often involving impersonation, urgency, spoofed phone numbers, and rapid transfers through kiosks that are difficult to trace or recover. Supporters of the kiosk bills said Massachusetts needs licensing, registration, transaction limits, warning notices, receipts, refund protections, and other safeguards; some also urged a “pause” or hold on transactions to give victims time to reconsider and allow law enforcement to intervene. The Attorney General’s office, AARP, local law enforcement, and several prosecutors and sheriffs backed the consumer-protection approach, while Bitcoin Depot supported a narrower regulatory framework but opposed low fee caps and strict daily limits, arguing they would function like a ban and reduce legitimate use. Witnesses from Waltham police, Middlesex and Essex County law enforcement, and the AG’s office said crypto scams are growing quickly, losses are often unrecoverable once funds move, and current tools are limited. They described cases involving elderly victims losing thousands of dollars, and said warnings alone are not enough because scammers keep victims on the phone and guide them through the process. Some witnesses said a temporary hold or refund mechanism has worked in at least one case, while others emphasized that transaction limits and visible disclosures could reduce harm even if they do not stop fraud entirely. The AG’s office also said it would submit written opposition to separate earned wage advance legislation, while DailyPay testified in support of that bill, saying earned wage access helps workers bridge short-term gaps without debt or credit reporting. The committee also heard support for mandatory financial literacy education from Representative Jim Hawkins, who said high school students need instruction on credit, debt, and inflation before they enter adulthood. In addition, the committee took testimony on litigation financing bills from insurance industry representatives, who argued for disclosure and regulation of predatory litigation lending and warned about foreign interference and reduced plaintiff recoveries. No votes or final actions were taken during the hearing; members asked questions throughout, and the chair noted the need to move testimony along because of time constraints.