Transcript Highlights:

• Again, OFAC would be limited to allowing only nominal amounts for such traceable transfers.
• </c><06:27:29.760><c> into</c> often moved their transaction into often moved their transaction into
• only nominal amounts for such<06:29:02.240><c> traceable</c><06:29:02.878><c> transfers.
• </c> government can watch the transactions government can watch the transactions and<06:29:33.120><c>
• transactions with sanctioned entities to assist with law enforcement investigations.

Bills: HB3351 , HB3095 , HB1450 , HB1716 , HB1764 , HB3395 , HB2384 , HB3357 , HB3339 , HB1469 , HB3343 , HB3382 , HR1043 , HR131 , HR183 , HR672 , HB2625 , HB2170 , SB201 , SB423

Keywords: small business, capital formation, financial regulation, Securities Exchange Act, Paperwork Reduction Act, ZIP Code, postal service, community designation, local governance, postal infrastructure, OFAC, Office of Foreign Assets Control, sanctions, licensing, investigators, private sector firms, nominal transactions, financial transactions, pilot program, FinCEN

Bills: SB365

Committee: Senate Banking and Insurance

Keywords: cash transactions, rounding, legal tender, state regulations, consumer transactions

Transcript Highlights:

• rounding to the nearest 5 cents, but if it was like 3 or 4 cents, it would go to a nickel if the final transaction
• :09.880><c> final</c> it would go to a nickel if the final it would go to a nickel if the final transaction
• :11.200><c> it</c><00:04:11.320><c> was</c><00:04:11.840><c> let's</c><00:04:12.000><c> say</c> transaction
• If it was let's say transaction was.

Bills: HB545

Committee: Senate Banking and Insurance

Keywords: HB545, legal tender, cash rounding, nearest five cents, nickel rounding, in-person cash transaction, cash transactions, change making, sales tax, Department of Revenue, merchant payments, consumer payments, currency rounding, cash payment, retail transactions, payment methods

Transcript Highlights:

• One is to provide a clear, uniform standard for rounding cash transactions to protect consumers and protect
• How this would actually work: this only applies to cash transactions.
• Um total purchase amount transactions.
• Subsection A shall not apply to<00:08:44.640><c> any</c><00:08:44.959><c> transaction</c><00:08:45.600
• where payment is made to any transaction where payment is made to<00:08:46.800><c> a</c><00:08:46.959

Bills: HB545 , HB545

Committee: House Financial Services

Keywords: Escambia County, probate court, court fees, legal services, judicial legislation, HB545, legal tender, cash rounding, nearest five cents, nickel rounding, in-person cash transaction, cash transactions, change making, sales tax, Department of Revenue, merchant payments, consumer payments, currency rounding, cash payment, retail transactions

Transcript Highlights:

• It does not affect any transaction originating from... ...affect any transaction originating from a banking
• We are continually monitoring our transactions that are processed to look for trends and anomalies.
• Um, as mentioned earlier, we have strict regulation and we actively monitor transactions and work with
• Because that's a lot of cash transactions, aren't they?
• That anything that has a cash transaction that's not with a bank, it... transaction that's not with a

Bills: HB297

Committee: House Financial Services

Keywords: cash transactions, money transmission, regulatory compliance, criminal penalties, Alabama Securities Commission

Bills: SB1078

Committee: House Privacy and Consumer Protection

Keywords: Santa Cruz, taxation, transactions and use tax, local government, public services, voter approval

Summary: The Assembly Privacy and Consumer Protection Committee heard one bill, SB 1078 by Senator Laird. The bill would create a temporary safe harbor allowing businesses to continue using preprinted gift cards with outdated cash-redemption disclosures for a limited period, so long as consumers are clearly informed of their current right to redeem cards with balances under $15 for cash. Senator Laird said the measure was intended to prevent businesses from having to destroy large inventories of otherwise usable cards after the recent change in redemption threshold. Support testimony came from Chris Reyes of the Santa Cruz Beach Boardwalk, who said the boardwalk had about a million preprinted cards that would otherwise become obsolete, representing roughly $250,000 in cost. He emphasized that the bill would not weaken consumer protections or redemption rights and would simply allow a transition period. Sabrina DeMaio Lockhart, representing the California Attractions and Parks Association and the California Travel Association, also voiced support. There was no registered opposition. After some delay while waiting for a quorum, the committee took up the bill and members voiced general support, including a comment that the measure would help smaller businesses. The committee voted do pass, and SB 1078 received enough votes to pass out of committee, with the roll left open briefly for absent members before the hearing adjourned.

Transcript Highlights:

• This is the bill that prohibits negative use restrictions on real property transactions regarding grocery

Bills: HB1269 , HB2624

Committee: Senate Business, Trade & Economic Development

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights

Transcript Highlights:

• Substitute House Bill 2334, adjusting the price of a cash transaction to eliminate the need for pennies
• The House bill authorizes sellers to round the total price of a cash transaction to the nearest five-cent
• The amendment revises a provision on mixed tender transactions to remove a requirement that cash amounts
• Now we have Substitute House Bill 2334, cash transactions.
• Transactions. We have Substitute House Bill 2334 before us, and there is an amendment labeled B1.

Bills: HB1269 , HB2624

Committee: Senate Business, Trade & Economic Development

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights

Transcript Highlights:

• The bill before you provides for rounding of cash transactions in the same way as the Senate transaction
• Second, the bill specifies that rounding applies to in-person transactions only, and it addresses transactions
• We're making sure that cash transactions—this is only applicable to cash transactions—and when you have
• The transactions we do occur over a number of months.
• They're lengthy transactions, many times many years.

Bills: HB1269 , HB2624

Committee: Senate Business, Trade & Economic Development

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights

Transcript Highlights:

• gold. ...to present HB 2123, which is the state gold bullion and transactional gold.
• This is transactional gold.
• Hi, my name is Laurie Bolton, and I am with the Transactional Gold and Silver Project.
• Hi, my name is Laurie Bolton and I am with the transactional gold and silver project.
• That is when inflation expectations outpace nominal yields.

Bills: HB2123 , HB2140

Committees: House Regulatory Oversight , House House Regulatory Oversight Committee of Reference

Keywords: bullion, depository, legal tender, Arizona, finances, precious metals, financial transactions, investment, state treasurer, gold bullion, treasury management, financial regulations

Transcript Highlights:

• Just know there is no per transaction fee in this. per transaction fee per se in this.
• transactions of 2,000 or more reported within 30 days.
• 5 years from the recorded and maintained for 5 years from the date of transaction.
• They track the transactions they have... They track the transactions they have already.
• So, you know, right now we require financial institutions to report elder transactions.

Bills: HB297 , HB587

Committee: House Financial Services

Keywords: cash transactions, money transmission, regulatory compliance, criminal penalties, Alabama Securities Commission, information technology, auditors, financial institutions, cybersecurity, certifications, state regulations

Transcript Highlights:

• The bill requires reporting of suspicious cash transactions of $2,000 or more, cash transactions of $10,000
• </c> on certain international transactions on certain international transactions and<00:07:14.240><c>
• The bill records of those transactions.
• of 2,000 or more, cash transactions of 2,000 or more, cash transactions<00:08:06.240><c> of</c><00:08
• ,</c> &gt;&gt; Usually those types of transactions, &gt;&gt; Usually those types of transactions, you're

Bills: HB585 , HB585

Committee: House Financial Services

Keywords: Washington County, circuit clerk, compensation, county government, local legislation, money transmission, transaction fees, international wire transfers, income tax credit, suspicious cash transactions, Securities Commission

Transcript Highlights:

• requirements of an agreement, including the payment of service fees associated with cryptocurrency transactions
• requirements of an agreement, including the payment of service fees associated with cryptocurrency transactions
• In any transaction or... Of the deed, and thank you, Senator Mesnard, for carrying this bill.
• In any transactional property, there's a grantor and a grantee, and in Arizona, if the grantor wants
• or of the deed and thank you Senator Mesmer for carrying this bill in any transactional property there's

Bills: SB1042 , SB1043 , SB1044 , SB1135 , SB1136 , SB1142 , SB1180 , SB1221 , SB1252 , SB1254 , SCR1003

Committees: Senate Finance , Senate Senate Finance Committee of Reference

Keywords: public funds, virtual currency, bitcoin, investment, Arizona Strategic Digital Asset Reserve Act, state treasurer, retirement system, state payments, cryptocurrency, Arizona law, payment methods, government transactions, property tax, tax exemption, Arizona Revised Statutes, digital currency, workers' compensation, death benefits, burial costs, spousal compensation

Transcript Highlights:

• know that opposition to this bill focuses substantially on the opposition to business-to-business transactions
• In reality, we do tax a very large number of B2B transactions. We just limit it to certain areas.
• Digital advertising transactions routinely cross state lines, involving advertisers, platforms, servers
• Taxing these transactions without a clear and workable sourcing framework exposes Minnesota to commerce
• Taxing these transactions without a Taxing these transactions without a clear<01:12:03.440><c> and</c

Bills: HF1669 , HF4709 , HF3531 , HF4048

Committee: Senate Taxes

Keywords: tax credits, sustainable aviation fuel, environmental policy, corporate franchise, Minnesota taxation, electricity generation, property tax exemption, renewable energy, incentives, economic development, fuel delivery, tax exemption, retail transactions, diesel exhaust fluid, fuel lubricants, healthcare tax, gross receipts tax, hospitals, chiropractors, healthcare providers

Transcript Highlights:

• House Bill 2334 provides for the rounding of the total price of a transaction involving cash payments
• Transactions made by another form of payment, including credit cards, will not be rounded.
• And what that means is that when, for example, if you have a transaction that is $9.01, that transaction
• For another example, if you have a transaction... ...the nearest whole cent.
• So this would be the total amount of the transaction plus the tax... ...tax amount.

Bills: HB2334 , HB2140 , HB2326 , HB2100

Committee: House Finance

Keywords: cash transactions, pennies, currency adjustment, economic impact, consumer protection, tax exemption, governmental transfer, agriculture, land use, property tax, emergency medical services, levies, healthcare funding, local government, taxation, excise tax, large companies, payroll expenses, minimum wage, Well Washington fund

Transcript Highlights:

• Senate Bill 623 requires the total price of a cash transaction to be rounded to the nearest amount divisible
• provides permissive authority to state and local agencies to round the total price of the cash transaction
• It requires any tax, fee, or similar charge included in or applicable to the transaction to still be
• Vice Chair Lovick, Senate Bill 6230, adjusting the price of a cash transaction to eliminate the need

Bills: SB6131 , SB6311 , SJM8016 , SB6230 , SB6032 , SB6335

Committee: Senate Transportation

Keywords: traffic safety, roadway fatalities, Washington traffic safety commission, policy update, road safety, accident prevention, pedestrian safety, construction, accessibility, public safety, urban planning, bridge repair, infrastructure, emergency funding, transportation, cash transactions, pennies, currency, economic efficiency, financial regulation

Transcript Highlights:

• line is false or misleading, which could mislead a recipient about a fact regarding the proposed transaction
• Next up, 2624, consumer protections regarding unsolicited real estate transactions. there are two amendments
• Next up, 2624, consumer protections regarding unsolicited real estate transactions.
• House Bill 2624, consumer protections regarding unsolicited real estate transactions.
• Indian tribes, and nonprofit nature conservancies from the requirements of solicited real estate transactions

Bills: HB2483 , HB2477 , HB2274 , HB2394 , HB2624 , HB2240

Committee: House Consumer Protection & Business

Keywords: data broker, registry, consumer protection, privacy, data regulation, real estate, appraisal, business operations, regulatory compliance, email regulation, commercial communications, data privacy, electronic mail, public safety, insurance fraud, law enforcement, crime, penalties, real estate transactions, nonprofit

Transcript Highlights:

• So, for example, if a transaction totaled $10.52, it would be rounded down and the customer would pay
• If the transaction total was $10.53, then it would be rounded up and the consumer would pay $10.55.
• transactions, and it makes it clear through the state so it's no longer arbitrary through businesses
• The rounding only happens in the instance where it's a cash transaction and you're supplying change.
• In busy, quick-service and fast-casual environments, even a few seconds per transaction can compound

Bills: H5036 , H5138

Committee: Joint Joint Committee on Consumer Protection and Professional Licensure

Keywords: tariff transparency, consumer disclosure, price transparency, vehicle pricing, Monroney label, auto dealer, car manufacturer, retail pricing, shelf tag, receipt disclosure, online storefront, import duties, trade taxes, Chapter 93A, Attorney General enforcement, consumer protection, federal preemption, customs, supply chain costs, tariff surcharge

Transcript Highlights:

• And what we learned over the course of the pandemic was there were some folks in some transactions where
• And again, that's why it's important for all of these transactions.
• The notary public needs to store the video footage of the transaction in a safe and secure way.
• The notary public needs to store the video footage of the transaction in a safe and secure way.

Bills: HB2158 , HB2178

Committee: House Civil Rights & Judiciary

Keywords: electronic signatures, notary, digital transactions, authentication, legal documents, court rules, court procedure, civil infractions, notice of civil infraction, malicious mischief, physical damage, computer crime, digital property damage, electronic records, data destruction, computer programs, cyber damage, default judgment, payment plan, restitution

Bills: H5112 , S2921 , H4914

Committee: Joint Joint Committee on Financial Services

Keywords: genetic discrimination, genetic testing, genetic information, DNA, hereditary risk, insurance underwriting, life insurance, health insurance, long-term care insurance, disability insurance, medical privacy, consumer protection, anti-discrimination, insurer regulation, Commissioner of Insurance, chapter 176D, underwriting, hereditary disease, genomics, travel insurance