Video & Transcript Research : 'payment scams'
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FL
Transcript Highlights:
- The bill appears to restrict payments to parents that stay with a hospitalized... payments to families
- Next, we'll take up Senate Bill 570 on task force on payment scams by Senator Polsky.
- This bill establishes a task force on payment scams under the Florida Department of Financial Services
- Payment scams are increasingly common and costly for Floridians, affecting people of all ages and income
- This task force is directed to examine current trends in payment scams to identify emerging methods as
Keywords:
virtual currency, kiosks, money services business, regulation, financial services, consumer protection, cryptocurrency, registration, payment scams, task force, fraud prevention, property insurance, roofing requirements, inspector, insurance policies, homeowners insurance, roof age, residential structures, insurance renewal, investment
Summary:
The Committee on Banking and Insurance met with a quorum present and took up a series of bills, beginning with SB 1286 by Senator Wright. That bill expands the law enforcement recruitment bonus program to include firefighters, creates a DFS grant review panel for fire-related grants, and establishes an institute for PTSD and first-responder behavioral health. Testimony from fire chiefs and others supported the measure, and the committee reported it favorably.
The committee then considered several insurance and financial regulation bills. CS/SB 198 by Senator Rousan, as amended, regulates virtual currency kiosks with transaction limits, notice and receipt requirements, and OFR enforcement authority; witnesses described it as a needed anti-fraud measure, especially for seniors, and it was reported favorably. CS/SB 772 by Senator Burgess, as amended, allows limited licenses for portable electronics and eyewear insurance, and CS/SB 1504 by Senator Claudio, as amended, creates a pathway for high school students to qualify for insurance customer representative licensure; both were reported favorably.
The committee also approved two cryptocurrency reserve bills by Senator Gruters: CS/SB 1038 creates the Florida Strategic Cryptocurrency Reserve framework, and CS/SB 1040 creates the related trust fund; both received technical amendments and favorable reports. CS/SB 1440 by Senator Martin, as amended, creates public records exemptions and cybersecurity reporting provisions for financial institutions and related entities, and it was reported favorably. Finally, SB 1668 by Senator Burton, which updates the NICA program’s funding and benefit structure, and CS/SB 570 by Senator Polsky, which creates a task force on payment scams, were both heard with supportive testimony and reported favorably. Senators later recorded additional affirmative votes on selected bills before the committee adjourned.
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Thu Feb 5, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- to scams. to scams.
- preventing scams. Thank you very much. preventing scams. Thank you very much.
- <00:35:30.240>
warnings with multiple prominent scam warnings with multiple prominent scam - helping to facilitate the scam.
- When we're talking about scams in this particular industry, we agree any scams are a problem.
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.
AL
Alabama 2026 1st Special Session
Alabama Senate Banking and Insurance Committee Apr 1st, 2026
Banking and Insurance
Bills:
HB545
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, 923, senate, all
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 4/15/26
Agriculture Finance and Policy
Transcript Highlights:
- compromise language that we worked on the last couple of weeks and mainly encompasses the farmer down payment
- department through June 30th of the year 2030, which I think is a very important aspect to the down payment
- department through June 30th of the year 2030, which I think is a very important aspect to the down payment
- is a very important aspect to<00:02:57.640>
the <00:02:57.720>down <00:02:57.920>payment - to the down payment assistance program. to the down payment assistance program.
Bills:
HF3548
Summary:
The Agricultural Finance and Policy Committee met on April 15, 2026, approved the April 13 minutes with a correction to Assistant Commissioner Peter Kesset’s name, and then took up House File 3548. The bill, moved by Chair Anderson for re-referral to Ways and Means, centered on the farmer down payment assistance program and the Department of Agriculture’s budget and policy provisions. Anderson described the DE4 amendment as compromise language that reserved up to 25% of funds for applicants with purchase contracts, removed a proposed marijuana exclusion, and allowed appropriated funds to remain available through June 30, 2030 rather than reverting to the general fund at the end of the biennium. Laura Schreiber of the Land Stewardship Project testified in support, emphasizing the importance of keeping funds available and urging that grants remain capped at $20,000 so more farmers could participate.
The committee then adopted several amendments. A23, described as the governor’s budget request and department policy bill, was adopted and included moving the Emerging Farmers Office into the Agricultural Marketing and Development subdivision, combining some reports into the Agri report, and addressing delegated authority with MDA. A17, allowing certain eggs past their quality assurance date to be donated to food shelves under specific handling requirements, was adopted. A18, adjusting per diem rates for certain non-representative committee members, was adopted. A19, shifting about $20,000 to support farm land transition services such as mediation, contracts, financial planning, tax preparation, estate planning, and housing assistance, was also adopted.
A22, which combined funding for wolf depredation claims and the local food purchasing program, drew the most debate. Representative Smith questioned why the two items were combined and sought to divide the amendment, but staff said that would be problematic because the funding changes were interdependent. Supporters said the amendment would pay about 80% of wolf-loss claims and add money for local food purchasing, while opponents argued the local food need was greater and the wolf depredation approach was not the best use of funds. The roll call on A22 was confusing in the transcript, but the amendment ultimately prevailed. A21, which would have removed a physical-contact requirement for farm cervidae containment, failed on a 7-7 tie after opponents argued it would weaken disease protections and supporters said the fencing costs were driving deer farmers out of business. Hansen then declined to move A24, which would have advanced a paraquat ban, saying there was no agreement and he did not want a negative vote at that time.
After the DE4 as amended was adopted, the committee took a final roll call on House File 3548 as amended. The bill failed on a 6-8 vote and was laid over. In closing, members on both sides said the bill contained useful provisions for farmers, but disagreement over the unresolved paraquat issue prevented the committee from advancing it.
AL
Alabama 2026 1st Special Session
Alabama House Financial Services Committee Mar 10th, 2026
Financial Services
Transcript Highlights:
- The rounding adjustment again does not affect the tax calculation, and any electronic payment from credit
- affect the tax calculation and any affect the tax calculation and any electronic<00:07:50.000>
payment - <00:07:50.400>
from <00:07:50.639>credit, <00:07:51.039>debit electronic payment - <00:08:46.240>
is <00:08:46.399>made to any transaction where payment is made to any - transaction where payment is made to<00:08:46.800>
a <00:08:46.959>governmental <00:08:
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
TX
Transcript Highlights:
- generated more than $20 billion in local tax revenue, and provided nearly $30 billion in landowner payments
- House Bill 3887 increases payment and performance bond thresholds to $150,000 for public work contracts
- current law, contractors on public works projects must take out certain security bonds, including payment
- Current state law requires payment bonds for contracts in excess of $25,000 and performance bonds for
- House Bill 3887 raises that threshold from $25,000 to $150,000 for payment bonds and from $100,000 to
Keywords:
construction, wildlife impact, height restrictions, national wildlife refuge, environmental regulations, HB 3887, Texas Parks and Wildlife Department, Parks and Wildlife Code, performance bond, payment bond, contractor bonding, public works, construction contracts, public building, procurement, bid security, subcontractors, suppliers, contractor payment protection, project completion
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 3/17/26
Housing Finance and Policy
Transcript Highlights:
- providing uh fair, accurate, and timely service uh for residents and an ability um to collect a fair payment
- residents and an ability um to collect a residents and an ability um to collect a fair<00:14:53.680>
payment - >
utilities <00:14:55.839>and <00:14:56.399>uh <00:14:57.440>the fair payment - for utilities and uh the fair payment for utilities and uh the different<00:14:58.000>
interests<
ND
North Dakota 2025-2026 Regular Session
Senate Appropriations Apr 3rd, 2025 at 08:30 am
Appropriations
Transcript Highlights:
- for the state, if we're non-grandfathered, would not apply because non-grandfathered requires co-payments
Keywords:
adult residential facilities, care services, Medicaid, payment rates, elderly care, health services, North Dakota, prescription drugs, drug affordability, copay assistance, copayment accumulator, deductible accumulator, out-of-pocket maximum, health insurance, health benefit plan, self-insured health plan, self-funded plan, third-party payment, manufacturer assistance, patient assistance program
Summary:
The Appropriations Committee met with a quorum and took up three bills. House Bill 1216, dealing with prescription drug expense co-pay accumulators in health plans, was presented by Rep. Karen Carl’s, who explained it would prevent insurers from refusing to count third-party assistance toward deductibles for patients using high-cost, non-generic drugs. An amendment was offered to clarify effective dates, including a delayed January 1, 2026 start for PERS coverage. PERS testified that the amendment would align with its calendar-year benefit structure and likely reduce the fiscal note. The amendment was adopted 16-0, and the bill was set aside for further discussion later.
House Bill 1199, creating a criminal justice data-sharing system and missing persons/missing Indigenous people task force, was introduced with a committee amendment changing the Attorney General reference to the Attorney General or designee. The committee noted the bill includes a $250,000 general fund appropriation for ongoing costs. The amendment passed 16-0, and the amended bill received a do pass recommendation by a 15-1 vote, with one no vote from Senator Magrum.
House Bill 1531, appropriating $75,000 for an irrigation expansion study by the Agriculture Commissioner, was supported as a way to update older economic-impact studies on irrigation and assess opportunities for expansion. Members discussed its relationship to broader study pauses and the history of irrigation development in the state, including Garrison Diversion and remaining authorized acres. The bill passed 16-0. The committee then discussed scheduling for the coming week, noting a heavy bill load and plans for daily morning meetings before adjourning.
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 2/23/26
Agriculture Finance and Policy
Transcript Highlights:
- The next bill on the agenda is House File 3548, the Farm Down Payment Assistant Grants.
- <01:01:44.000>
assistance utilizing the down payment assistance utilizing the down payment - I didn't think this program was entitled the small farmer down payment assistance program.
- I didn't think this program was entitled the small farmer down payment assistance program.
- farmer down payment assistance program. farmer down payment assistance program.
MN
HI
Transcript Highlights:
- So, we for these particular scams.
- to stop those scams.
- Thank you very much. refund for scam victims, which is refund for scam victims, which is unheard<00:14
- would take care of that scam problem. would take care of that scam problem.
- <00:23:29.080>
victim refund a scam victim refund a scam victim you<00:23:30.280>can't
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.
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Appropriations and Revenue (8-20-25)
Transcript Highlights:
- Estimated payments, right?
- Guardian ad litem payments.
- because of through an estimated payment because of through an estimated payment or<00:20:39.760>
- Upon a payment error rate.
- So, what is a payment error?
Keywords:
Meeting Start 00:00:00
FY 2025 Budget Close Out 00:02:55
Impressions of H.R. – 119th Congress 00:28:15
SNAP Payment Error Rates 00:37:05, 958, all
Summary:
The committee first established a quorum, approved the July minutes, and recognized Jennifer Hayes of the Department of State Budget Director for her retirement and long service. Secretary Hicks then presented a review of fiscal year 2025 closeout for the general fund and road fund, explaining that the general fund ended with a $313 million surplus and the road fund with a $61 million surplus. He attributed the general fund result to strong corporate income and LLC tax receipts, investment income, and lower-than-budgeted spending, while noting that individual income tax and sales tax underperformed estimates. He also described how the general fund surplus was allocated, with $62 million used for necessary government expenses and $251 million deposited into the budget reserve trust fund, which remained at historically strong levels. For the road fund, he said the surplus would be deposited into the Department of Highways construction account, and he highlighted record motor vehicle usage tax receipts despite lower motor fuels tax revenue due to a rate decline.
Members asked questions about the pass-through entity tax, delayed filing deadlines, THC beverage sales, and income tax collection from undocumented workers. Hicks said the pass-through entity tax remains difficult to model because of timing issues and the first year’s unusual filing pattern, and that staff are still working with the Department of Revenue and other states to improve forecasting. He said the delayed filing deadline likely would not require a major restatement and that any related receipts would still be counted in fiscal 2026. On THC beverages, he said the issue would be considered in the next forecasting cycle. On the undocumented-worker question, he said withholding may capture some of the revenue but referred broader collection efforts to the Department of Revenue.
The committee then shifted to an overview of the federal reconciliation act’s potential impact on the next biennial budget, with Hicks and Commissioner Lisa Dennis focusing on Medicaid and SNAP. Hicks said the Congressional Budget Office estimated roughly $900 billion in federal savings over 10 years, driven in part by work or community engagement requirements for the Medicaid expansion population and limits on state-directed payments. He emphasized that CMS still must issue regulations to define how the state-directed payment reductions will be calculated, making the exact fiscal impact uncertain. He referred members to a prior Medicaid Oversight Advisory Board presentation for more detail, and the discussion remained informational with no votes or formal actions taken on the federal changes.
OK
Oklahoma 2026 Regular Session
Banking, Financial Services and Pensions Apr 7th, 2026 at 03:00 pm
Banking, Financial Services and Pensions
Keywords:
credit union, Oklahoma State Credit Union Board, membership, loans, investments, board compensation, financial regulations, financial exploitation, protected adults, financial institution, notification, temporary hold, credit card, surcharge, discounts, consumer protection, payment methods, 914, all
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 3/11/26
Housing Finance and Policy
Keywords:
HF3403, emergency rental assistance, rental aid, homelessness prevention, housing crisis, imminent risk of homelessness, eviction prevention, county aid, Tribal governments, local government aids, general fund appropriation, Minnesota revenue commissioner, poverty level, low-income housing, housing stability, family homeless prevention and assistance, emergency housing assistance, HF2687, single-family homes, corporate landlords
AL
Alabama 2025 Regular Session
Alabama House Financial Services Committee Mar 19th, 2025
Financial Services
MN
Minnesota 2025-2026 Regular Session
House State Government Finance and Policy Committee 3/10/26
State Government Finance and Policy
Transcript Highlights:
- And so, like procurement payments.
- Regarding invoices, under the current law, a subcontractor may pursue payment or payment remedies, but
- But the payment process is opaque, and subcontractors are often left in the dark as to when payments
- House File 1234, as prompt or payment.
- county for payment. county for payment.
Keywords:
payment transparency, public contracts, contractor rights, government accountability, construction payments, barbering, licensing, examinations, barber schools, public safety, certifications, Barber Examiners Board, data transparency, Legislative Budget Office, state agencies, fiscal notes, public data, standard time, federal law, time zone
MN
Minnesota 2025-2026 Regular Session
Human Committee Meeting - 2026-04-16
Human Services Finance and Policy
Transcript Highlights:
- It deletes operate repaying proper payment and sets operate and repaying proper payments for 30 days.
- 23.640>
operate <00:09:24.120>repaying <00:09:24.640>proper <00:09:24.880>payment - deletes operate repaying proper payment deletes operate repaying proper payment and<00:09:25.440
- :26.839>
proper and sets operate and repaying proper and sets operate and repaying proper payments - payments for 30 days. payments for 30 days.
Bills:
HF4338
Keywords:
human services, medical assistance, Medicaid, provider enrollment, provider revalidation, fraud prevention, program integrity, background study, background check, fingerprinting, licensing, license revocation, payment withholding, payment suspension, prepayment review, postpayment review, surety bond, compliance training, case management, targeted case management
MN
Minnesota 2025-2026 Regular Session
House Energy Finance and Policy Committee 3/10/26
Energy Finance and Policy
Transcript Highlights:
- So ramp is by late payment charges.
- <01:13:49.120>
charges want to eliminate late payment charges want to eliminate late payment - They payment charges is the right level.
- on the cold weather rule and payment on the cold weather rule and payment assistant<01:15:42.880
- provides the payment Centerpoint provides the payment assistance<01:15:46.159>
program <01:15:
Keywords:
electric utilities, service areas, Tribal lands, Minnesota statute, energy regulation, utility rates, public utilities, Public Utilities Commission, PUC, ratepayer, consumer protection, affordable energy, energy affordability, ability to pay, just and reasonable rates, rate regulation, electric rates, natural gas rates, energy conservation, renewable energy
Summary:
The committee approved the March 5, 2026 minutes and then took up House File 3458, as amended, which would exempt tribes from utility exclusive rights and assigned service areas. The bill’s author and the Upper Sioux community chairman said the measure was prompted by a dispute over a solar project at the tribal casino and argued the issue is really about tribal sovereignty, not solar, citing tribal civil regulatory authority and prior court cases. The amendment A1 was adopted before testimony.
Testimony was split. Chairman Kevin Jensel of the Upper Sioux community strongly supported the bill, saying the tribe should not be forced to follow utility service territories and that the state should correct a long-standing omission in law. Derek Mo of the Minnesota Rural Electric Association opposed the bill, warning it would undermine the regulatory compact, reliability, long-term planning, and financing for electric service, especially in tribal areas. Justin Johns of East Central Energy also opposed the bill, but emphasized that many cooperatives have productive tribal partnerships and said his co-op has worked successfully with the Mille Lacs Band on solar, resilience, and workforce efforts; he cautioned that removing service obligations could leave difficult-to-serve areas underinvested.
Members discussed whether the Public Utilities Commission process already underway should be allowed to resolve the dispute and whether the bill’s scope could extend beyond the current solar issue. The chair responded that the bill was a legislative approach to a problem that had not been resolved and said the amendment addressed concerns about removing the obligation to serve. A roll call was requested, and the committee voted to re-refer House File 3458, as amended, to the General Register.
MN
Minnesota 2025-2026 Regular Session
Housing Committee Meeting - 2025-04-01
Housing Finance and Policy
Transcript Highlights:
- pressing need for Minnesota's manufactured home residents by providing essential funding for down payment
- By providing $5 million for down payment assistance, this bill ensures more families can afford to buy
- Manufactured home communities lack access to conventional home loans and down payment assistance.
- **House File 2461** also funds a first-of-its-kind down payment assistance program for manufactured home
Keywords:
education funding, unemployment aid, special education, Minnesota statutes, appropriations, housing, redevelopment, local government, trust funds, community development, HF1340, housing infrastructure bonds, Minnesota Housing Finance Agency, MHFA, affordable housing, supportive housing, permanent housing, adaptive reuse, area median income, AMI
MN
Minnesota 2025 1st Special Session
House Housing Finance and Policy Committee 4/1/25
Housing Finance and Policy
Transcript Highlights:
- By providing $5 million for down payment assistance, this bill ensures more families can afford to buy
- By providing $5 million for down payment assistance, this bill ensures more families can afford to buy
- By providing $5 million for down payment assistance, this bill ensures more families can afford to buy
- House File 2461 also funds the first-of-its-kind down payment assistance program for manufactured home
- House File 2461 also funds the first-of-its-kind down payment assistance program for manufactured home
Keywords:
education funding, unemployment aid, special education, Minnesota statutes, appropriations, housing, redevelopment, local government, trust funds, community development, HF1340, housing infrastructure bonds, Minnesota Housing Finance Agency, MHFA, affordable housing, supportive housing, permanent housing, adaptive reuse, area median income, AMI