Jeff Wilson — Jeff Wilson asked follow-up questions about the cap controls discussion, first seeking clarification on the conclusion and recommendation, then asking whether disclosure and consumer education had been improved for people affected by the policy, raising concerns about buyer-beware protections.
Jeff Wilson — Jeff Wilson asked whether Amazon Leo’s technology is shared or licensed with other companies, such as Starlink and others, or whether it remains a standalone Amazon product.
Julio Cortes — Senator Julio Cortes is called on and then thanks the chair before discussing concerns about cryptocurrency kiosks. He notes the fraud risks associated with cryptocurrency, compares the kiosks to established financial platforms, and asks whether DFI has authority to require large fraud warnings or disclaimers on the kiosks.
Julio Cortes — Addressed as Vice Chair Cortez; likely intended to refer to Rep. Julio Cortes.
Bob Hasegawa — The chair calls on Senator Hasegawa, who then begins his question by thanking the chair and asking whether kiosk owners can be required to screen apps or wallets for legitimacy.
Detective Tim Schwering — Credited as an expert who helped with presentations and awareness efforts.
Jesse Salomon — The transcript says 'Senator Hasegawa,' but the likely intended member is Senator Jesse Salomon; he is being addressed with a question about the devices.
Detective Schwering — Continues outreach to businesses and provides copies of the ordinance.
Allie Higgins — Invited to present on home equity sharing agreements.
Marianna Amorum — Invited to present on home equity sharing agreements and noted as possibly remote.
Drew Bouton — Drew Bouton is introduced and identifies himself as the Department of Financial Institutions' policy director and legislative liaison, serving as a panelist.
Drew Bouton — Invited to present on home equity sharing agreements.
Alley Higgs — Identified as a Department of Financial Institutions panelist.
Paul Dillon — Paul Dillon is identified as a Spokane City Council panelist and noted to be participating remotely.
Paul Dillon — Paul Dillon was introduced as joining remotely to testify, then began his remarks by saying he would be brief and thanking the senators and the Department of Financial Institution before moving into his testimony.
Ollie Higgs — Introduced self as Director of Consumer Services at the Department of Financial Institutions.
Ollie Higgs — Ollie Higgs is mentioned as an example of a wallet recipient in an explanation of how scammers direct victims to send cash to a wallet.
Carolyn Eslick — No direct speech; Spokane City Council action is discussed in the context of local policy responses, but no specific member is named here.
Jeff Wilson — Asks about scam potential and the physical security of the kiosk hardware, including whether the next user can access prior information.
Mari — Said she would present the report quickly and leave time for Drew to address the regulation side.
Drew — Will provide an update on the regulation side.
Phil Fortunato — Senator Phil Fortunato, joining by Zoom, asks follow-up questions about the agency’s determination that the product is a mortgage, referencing the vacated court case and the parties’ agreement. He suggests that a simple payment schedule might clarify payoff amounts and asks whether any other variables besides the schedule affect the payoff calculation.
Phil Fortunato — The speaker says the disclosures are intended to address Senator Fortunato's question.
Mari Leavitt — Mari Leavitt is referenced as the author of the report under discussion, and later she is thanked directly as part of the same exchange, with the transcript also ambiguously mentioning Mariana.
Mariana Amaran — Thanked by the chair; likely involved in the prior presentation, but exact identity is uncertain.
Anizette Jones — Anizette Jones is introduced as a remote member of the next panel, then speaks to identify herself as a HESA provider and founder of the Coalition for Home Equity Partnership, thanks the committee for the opportunity to speak, and turns the presentation over to Matt to begin.
Matthew Windsor — Matthew Windsor is introduced as a remote member of the next panel and then identifies himself as Deputy General Counsel at Point Digital Finance and a founding member of the Coalition for Home Equity Partnership.
Annizette Jones — Introduced herself as Deputy General Counsel at HomeTAP and a founder of the coalition.
Matt Windsor — Matt Windsor noted that time was limited and that Professor Amoram had already covered much of the material, so the team would skip several slides or move through them quickly. He also invited attendees to ask questions at any point and said they would try to leave time at the end for general questions.
Professor Amoram / Morham / Omorem / Maugham — Referenced as having already provided a thorough presentation; the transcript contains several likely transcription variants of the professor's name.
Professor Morham — Referenced as having already covered much of the background of the product.
Professor Omorem — Referenced as having already provided a thorough explanation.
Professor Maugham — Referenced as having already discussed most of the material.
Matt — Matt is referenced as having made prior remarks about the product and regulation.
Director Higgs — Referenced as having noted that the industry is working closely with DFI on regulations.
Kelly Maloney — The chair calls for Kelly Maloney to come up, but she is not present.
Kelly Maloney — Kelly Maloney was invited to testify and opened her remarks before the committee, then identified herself as a board member of Space Northwest as she began framing her testimony.
Beth Cooley — Beth Cooley is introduced as a member of the second panel who requested to speak first because she and Ann Spencer had flights to catch, and she is then called up to present. She begins by introducing herself as the head of state and local connectivity policy for Amazon.
Ann Spencer — Ann Spencer is in the second panel and requested to go first because of a flight.
Ann Johanna — The speaker calls up Ann Johanna, likely a transcription error for a witness name.
William — William is referenced in connection with the slide deck.
Amazon Leo representative — Described the Leo Pro customer terminal, its size, speed, and Amazon's approach to making it affordable and manufacturing it at scale.
Amazon Leo representative — Explained that the Leo Pro costs $400 and falling, and introduced the Leo Ultra as a high-bandwidth commercial enterprise design.
Amazon Leo representative — Described the Leo Ultra's gig-speed down and 400 Mbps up capability, and cited use cases including cell-site backup and airline connectivity.
Amazon Leo representative — Clarified that Amazon Leo is a standalone product and not a shared/licensed consumer platform.
Nadine Feingold — Nadine Feingold is identified as an Amazon employee who used the satellite technician certification program to move from fulfillment work into high-tech clean-room satellite assembly, where she now helps assemble satellites.
Desmond Hernandez — Desmond Hernandez is introduced as an Amazon employee who transitioned from fulfillment/material coordination work into satellite-related technical work. The discussion explains that he started as a material coordinator within Amazon Leo, completed the satellite technician certification program, and now performs space simulation testing.
Anna Spencer — Introduced herself as Blue Origin's state and local government representative and began the company update.
Stoke Space — Described the company's growth from a backyard startup to a multi-site operation valued at over $2 billion, and noted early federal SBIR grant support.
William Shaka — Mechatronics instructor at Green River College in Auburn; began testimony on mechatronics and aerospace workforce needs.