Video & Transcript DataContr Research : 'property fraud'
Page 27 of 45
TX
Transcript Highlights:
- definition there on that, or is it a kid shooting street signs going down a farm-to-market road, you know, fraud
- Fraud and other things related to, you know, if you're financing
Keywords:
firearm acquisition, gun smuggling, criminal offenses, ammunition, terrorism, public safety, HCR40, HB214, border security, Operation Lone Star, public testimony, firearm offenses, terrorism, legislation
Summary:
The committee convened to discuss two significant bills: HCR40, regarding reimbursement for border security costs, and HB214, which addresses the prosecution of firearm and ammunition-related offenses. Senator Flores represented HCR40, urging Congress to reimburse Texas for expenses incurred under Operation Lone Star, citing ongoing issues with illegal crossings and drug trafficking. Though there was a commendable attempt at public testimony, none was received, and the bill was left pending with intentions for further discussions. Much emphasis was placed on the state's security responsibilities and federal inaction that led to a substantial financial burden on Texas taxpayers.
In discussing HB214 introduced by Chairman Birdwell, key points included the need for refinement in identifying which offenses classify as terroristic. The members engaged in a comprehensive debate surrounding the expansion of offenses related to firearms smuggling and terrorism. Members expressed concern over including overly broad definitions that could lead to misuse of power and mislabeling of offenses. The committee's focus shifted towards creating a more precise framework that separates economic offenses from true acts of terrorism. The meeting emphasized collaboration and careful consideration in drafting legislation aimed at enhancing public safety without infringing on rights.
TX
Transcript Highlights:
- And we, as taxpayers, are sick and tired of waste, fraud, and abuse in government.
- ...paying your property taxes and see what happens, right
- The Texas Municipal League (TML) is a lobbying group against property tax caps, preventing taxpayers
- billions of dollars every year trying to provide property
Yet, property taxes during that time have increased
Keywords:
SB8, SB18, LGBTQIA rights, public testimony, discrimination, constitutional rights, drag performances
Summary:
The meeting revolved around significant legislative discussions primarily focused on SB8 and SB18. Notably, the committee addressed public testimonies on SB18, which targeted drag performances and LGBTQIA individuals. Testimonies highlighted the potential discriminatory implications of the bill, raising concerns that it undermines constitutional freedoms. Various members of the public expressed both support and opposition, fostering a heated debate about its impact on community rights and protections.
TX
Texas 2025 - 89th Regular
89th Legislative Session May 30th, 2025 at 12:05 pm
Texas House Floor Meeting
Transcript Highlights:
- to be notified when there's potential for this type of development to happen next door to their properties
- make sure that this is something that actually protects our universities, protects our intellectual property
- Now we've given them the toolkit to make sure that they protect our research property, and I move concurrence
- data-time="10224">The budget for the current biennium will end with approximately $41 billion in property
Bills:
HB149, HB2017, HB705, HB223, HB1056, HB2854, HB4623, HB3000, HB46, HB117, HB3619, HB4464, HB5646, HCR84, HB500, HB2963, HB5509, HB1973, HB3909, HB718, HB252, HB5666, HB119, HB346, HB5624, HB5658, HB5677, HB1545, HB3073, HB4081, HB121, HB4236, HB3848, HB4144, HB40, HB5682, HB3697, HB3333, HB3642, HB20, HB549, HB2731, HB4233, HB4690, HB127, HB2525, SB1637, SB1, SB1198, SB509, SB13, SB15, SB30, SB268, SB331, SB441, SB447, SB457, SB568, SB650, SB763, SB1540, SB1610, SB1660, SB2018, SB2024, SB2217, SB2337, SB2753, SB2900, SB2972, SB3059, HB14
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, intoxication manslaughter, criminal penalties, community supervision, mandatory supervision, parole eligibility, Grayson's Law, cosmetology, licensure, interstate compact, state regulations, public safety, workforce mobility, municipality, procurement
Summary:
The committee meeting covered a variety of legislative issues, prominently featuring discussions surrounding both Senate Bill 1198 and Senate Bill 509, along with multiple House Bills including HB2017 and HB3000. Representative Morales presented the conference committee report for SB1198, addressing clarity on hazardous areas and garnering strong support with 118 votes in favor. Conversely, SB509 faced some contention regarding the provisions for the Attorney General in election cases, eventually receiving approval with a vote tally of 97 ayes to 37 nays after amendments were discussed to limit the Attorney General's ability to delay hearings. Additionally, various other bills received motions to concur with Senate amendments, highlighting the committee's active engagement in fine-tuning legislation through collaborative discussions among members.
TX
Texas 2025 - 89th Regular
Homeland Security, Public Safety & Veterans' Affairs Mar 12th, 2025 at 10:30 am
House Homeland Security, Public Safety & Veterans' Affairs Committee
Transcript Highlights:
- Agencies need to be able to secure their property, which some do not have the fiscal ability to accomplish
- And in that, I saw a fraud.
- If you mark on some piece of property worth less than $100
- In Texas, this offense can include a wide host of actions, including damage to property.
- In Texas, simply entering private property without consent can give rise to a criminal trespass charge
Keywords:
firearm acquisition, gun smuggling, criminal offenses, ammunition, terrorism, public safety, driver's license, vision correction, medical verification, Texas Department of Public Safety, renewal fees, weapons, community supervision, law enforcement, retired officers, prohibition, criminal liability, public safety, missing children, law enforcement
Summary:
The committee convened to discuss several major legislative bills, focusing particularly on enhancing law enforcement's ability to respond to missing children and addressing increasing border security concerns. One significant bill discussed was HB908, which mandates that law enforcement agencies report missing children to the National Center for Missing and Exploited Children within a strict time frame. Testimonies primarily supported the urgency and need for swift action regarding missing children, with members underscoring the imperative to streamline procedures to ensure every case is handled urgently. Additionally, discussions on HB674 centered around adjusting the penalty structure for criminal trespass incidents related to avoiding law enforcement checkpoints, seen as a crucial measure to deter illegal crossings and enhance border security.
TX
Transcript Highlights:
- Furthermore, HB3709 will enhance integrity, transparency, and the ability to prevent voter fraud.
- " data-time="12042"> He is a figure with the Trump administration, helping with claims of election fraud
- There's fraud both ways. I'm not saying it's everywhere, but there is, in both ways.
- make regulations necessary to detect and punish fraud and
- We want everybody to honor what you've written, and this bill permits civil penalties for election fraud
Keywords:
early voting, ballot correction, voting rights, election integrity, mail-in voting, voter notification, election reporting, candidate percentages, voting results, transparency, electoral reform, election procedures, civil penalty, public officials, election standards, Texas Election Code, voter registration, online application, acknowledgment, elections
Summary:
The House Committee on Elections convened to discuss HB3709, a bill focused on reforming the post-election audit process. Representative Dialo presented the bill, emphasizing its bipartisan support and the critical need for modernization to enhance the integrity and transparency of the voting process. The existing auditing method, which relied on random precinct selection, was criticized for being outdated and inefficient. The proposed changes aim to standardize audits across various voting methods, allowing election officials to evaluate results by voting locations instead of individual precincts, and thus improving accuracy and efficiency.
US
Us Congress 2025-2026 Regular Session
Hearings to examine big fixes for big tech. Apr 1st, 2025 at 01:30 pm
Senate Competition Policy, Antitrust, and Consumer Rights Subcommittee
Transcript Highlights:
- One YC startup created cutting-edge technology capable of detecting deepfake fraud.
- if you would, the argument from the business that's created it is that this is our intellectual property
- They say intellectual property. These are pretexts.
- the statute says that any person, I emphasize any person, who shall be injured in his business or property
Keywords:
antitrust, competition policy, digital advertising, monopoly, America Act, big tech, consumer rights
Summary:
The meeting, titled 'Big Fixes, Big Tech', marked the first hearing of the Senate antitrust competition policy and consumer rights subcommittee in the 119th Congress. Chairman Lee opened the session focusing on the urgent need for effective solutions regarding anti-competitive behavior among major tech firms like Google and Facebook, highlighting several ongoing court cases regarding monopolistic practices in the digital advertising and search markets. Key discussions included the limitations imposed on small businesses and innovation due to the dominance of these tech giants, with many testimonies advocating for stronger legislative measures, including the America Act. The act aims to disrupt the monopolistic capabilities of these firms and restore competitive integrity in the marketplace, which has suffered under their oppressive market control.
US
Us Congress 2025-2026 Regular Session
Hearings to examine the nominations of Jonathan Gould, of Virginia, to be Comptroller of the Currency for a term of five years, Luke Pettit, of the District of Columbia, to be an Assistant Secretary of the Treasury, Paul Atkins, of Virginia, to be Mar 27th, 2025 at 09:00 am
Senate Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- That requires stamping out fraud and self-dealing in our markets so that giant corporations
- career helping billionaire CEOs like Sam Bankman-Fried, who committed one of the biggest financial frauds
- span>
Did Bankman-Fried's parents, who were involved in the fraud
- Against companies charged with fraud.
Keywords:
financial regulations, SEC, Comptroller of the Currency, Federal Transit Administration, nominees, Empowering Main Street in America Act, capital formation, economic growth
Summary:
The committee meeting focused on several nominees within key financial institutions, including discussions surrounding the SEC, the Federal Transit Administration, and the Comptroller of the Currency. Notable dialogue included concerns over regulatory balance, with various members emphasizing a need to streamline regulations to foster innovation while ensuring accountability and safety for investors. The importance of the proposed 'Empowering Main Street in America Act' was highlighted as a means to facilitate access to capital for small businesses, underlining the current administration's approach towards financial regulations.
US
Us Congress 2025-2026 Regular Session
Hearings to examine the nominations of Katharine MacGregor, of Florida, to be Deputy Secretary of the Interior, and James Danly, of Tennessee, to be Deputy Secretary of Energy. Apr 2nd, 2025 at 09:00 am
Senate Energy and Natural Resources Committee
Transcript Highlights:
- President Trump seeks to attack and limit the waste, fraud, and abuse occurring within the U.S. government
- All of their subordinate officers are required to stop waste, fraud, and abuse wherever it's found.
- timely responses from the federal government so as to not dissipate or enfranchise individual private property
Keywords:
nuclear energy, permitting process, energy production, public lands, national parks, uranium imports, legislative bills, infrastructure development
Summary:
The committee meeting was dominated by discussions on a variety of legislative bills including major topics such as nuclear energy advancement, the effects of regulatory hurdles on energy production, and proposals to improve national park staffing and maintenance. Members expressed concerns over the federal government's handling of uranium imports and the necessity for maintaining a robust domestic nuclear supply chain. Efforts to streamline permitting processes to facilitate more efficient energy project development were also a focal point, alongside public testimony from stakeholders in the energy and environmental sectors. The meeting highlighted the urgent need for infrastructure development to meet rising energy demands while addressing climate change impacts.
TX
Texas 2025 - 89th Regular
Licensing & Administrative Procedures Mar 11th, 2025 at 10:30 am
House Licensing & Administrative Procedures Committee
Transcript Highlights:
- Within that unit, there is a Financial Crimes Unit that addresses money laundering, tax fraud, and business
- fraud, which we refer to as subpoenas.
- Because this is a real big fraud on the public.
Keywords:
House Bill 11, House Bill 3579, lottery ticket couriers, modernization, human trafficking, regulatory oversight
Summary:
The meeting focused primarily on legislative discussions surrounding House Bills 11 and 3579, with a significant emphasis on regulatory measures concerning lottery ticket couriers and modernization of licensing systems for the Texas Department of Licensing and Regulation. Various committee members engaged in lively debates, particularly around the implications of using couriers within the lottery framework, as this raised concerns about regulatory gaps and the need for clearer oversight. Additionally, there was mention of the agency’s efforts to combat human trafficking through updated regulations and enforcement actions, indicating a priority agenda for the session.
TX
Texas 2025 - 89th Regular
Appropriations S/C on Articles VI, VII, & VIII Feb 26th, 2025 at 09:30 am
Transcript Highlights:
- It seems that they are always coming up with new ways to commit fraud, and the technology continues to
Keywords:
Department of Licensing and Registration, staffing needs, combative sports, industrialized housing, Waco examination center, cybersecurity, Financial Crimes Intelligence Center, financial crime prevention
Summary:
The meeting focused on various aspects of the Department of Licensing and Registration, highlighting the need for enhanced staffing to manage increased demand in several programs such as combative sports and industrialized housing. Notably, discussions included the establishment of new examination centers to improve service delivery and licensing processes, with emphasis on the Waco center's contribution. There was also deliberation on cybersecurity measures, showcasing the department's efforts to protect infrastructure from breaches, alongside mention of the Financial Crimes Intelligence Center's successes in preventing financial crimes in Texas.
TX
Transcript Highlights:
- To refresh everyone's memory, these are not lease payments to property owners.
- These are not lease payments to property owners; rather,
- On private property that's built for the state's benefit of the security, I can understand that as a
- They get to influence their decision to up a lease, move to a different property, or go to you.
- They get to influence their decision to up a lease, move to a different property.
Bills:
SB1
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, budget recommendations, Texas Facilities Commission, border security, cybersecurity, Governor Abbott, operational efficiency
Summary:
The meeting focused on several critical budget recommendations for various state agencies, including the Texas Facilities Commission, which proposed significant funding changes. Chair George Purcell highlighted a reduction in appropriations, along with the introduction of new funds aimed at refurbishing the Rudder Building and supporting facilities operations. Discussions also touched on border security, where it was reported that Governor Abbott formally requested congressional support to reclaim $11 billion in funding for Texas operations. The ongoing dialogue regarding the maintenance and responsibilities relating to border wall constructions was emphasized, noting the complexity and the need for clear allocation of responsibilities as discussions with federal authorities develop.
Throughout the meeting, there were notable conversations about operational efficiencies, particularly in the context of expanding cyber threats and the need for improved cybersecurity measures at state agencies. Members engaged in deliberating the future hiring of staff and resources necessary for maintaining effective service delivery amidst increasing demand. The discussions concluded with a commitment to keeping an open line with constituents regarding the implications of these funding decisions and the overall strategic direction of the agencies involved.
US
Us Congress 2025-2026 Regular Session
Hearings to examine certain pending nominations. May 1st, 2025 at 09:30 am
Senate Foreign Relations Committee
Transcript Highlights:
- ...guilty to 16 counts, including tax fraud, lying to the
- As you know, our pharma firms in particular, but there's a great deal of intellectual property that moves
Keywords:
diplomatic nominations, foreign policy, ambassadors, U.S.-European relations, Bilateral relationships, security, trade
Summary:
The meeting focused primarily on diplomatic nominations, featuring discussions about the implications of these roles on U.S. foreign policy. Notable was the introduction of nominees for key ambassadorial positions, including ambassadors to the Dominican Republic, France, and the Netherlands. Senator Shaheen emphasized the importance of U.S.-European relations, particularly in light of current global challenges, while other members voiced their concerns regarding the nominees’ qualifications and the impact on bilateral relationships. Public support for these nominations was evident, as was the committee's commitment to fostering stronger connections with allied nations, particularly in addressing security and trade issues.
TX
Texas 2025 - 89th Regular
Delivery of Government Efficiency May 14th, 2025 at 09:05 am
House Delivery of Government Efficiency Committee
Transcript Highlights:
- provide civil penalties against folks who are using artificial intelligence for phishing and other fraud
Keywords:
election officials, confidentiality, personal information, government transparency, public safety, financial exploitation, artificial intelligence, phishing, legal liability, criminal offense, civil penalty, consumer protection, cybersecurity, small businesses, election officials, safety, SB2610, SB1540, SB2373
Summary:
During the meeting, the committee reviewed three significant bills: SB2610, SB1540, and SB2373. SB2610, presented by Chairman Capriglione, provides a legal safe harbor from punitive damages for small and mid-sized businesses implementing documented cybersecurity programs. Testimonies from representatives of the National Federation of Independent Businesses emphasized the importance of this legislation in safeguarding businesses against cyber threats. Similarly, SB1540 aims to enhance the safety of election officials by protecting their personal information from disclosure, addressing increasing threats and harassment faced by these individuals. The committee heard heartfelt testimonies from election officials who highlighted the risks endured due to their roles, reinforcing the need for stronger protections.
TX
Texas 2025 - 89th 1st C.S.
Senate Select Committee on Disaster Preparedness and Flooding Aug 8th, 2025
Transcript Highlights:
- So, let's just say the property owner is there.
My property, can't I?
- If it's my property after a disaster, I would say if it's your property, you should have whoever you
- You're on private property. You're on somebody's private property.
- A lot of that is gated and private community property.
Keywords:
disaster response, Senate Bill 1, Senate Bill 2, flood management, water conservation, public safety, training and education, emergency management
Summary:
The committee meeting focused on several critical bills related to disaster response and water conservation. Senate Bill 1, the Natural Disaster Omnibus Bill, was extensively discussed, with testimonies reflecting on recent flooding incidents in Texas. Senator Perry emphasized the need for policy solutions to prevent future tragedies following historic flooding that resulted in significant loss of life. The committee adopted the committee substitutes for both SB1 and SB13 without objection, highlighting the broad support for these initiatives aimed at water conservation and improved emergency response protocols. Additionally, members expressed the importance of training and educating officials involved in disaster management to ensure they are equipped to handle emergencies effectively.
TX
Transcript Highlights:
- We're actually requiring the owner of the property and also the owner of the games to make sure that
- The letter stated that the PRC has identified the flow of U.S. intellectual property as a priority.
- Party wrote in a letter earlier this year, it's the flow of American genetic data and intellectual property
- many of them are doing in cooperation with health care providers is disrespectful to juries and a fraud
- When I say it's fraud, it is made-up medical damages for the purpose of inflating damages at trial.
Keywords:
gambling, criminal offenses, penalties, defense, electronic devices, tobacco advertising, youth protection, public health, criminal offense, retailer regulation, e-cigarettes, nicotine products, health, public safety, regulation, e-cigarettes, advertising restrictions, public health, youth protection, health and safety
Summary:
The meeting of the Senate Committee on State Affairs featured intense discussions centered around the regulation of tobacco and e-cigarette products, with a particular focus on protecting minors from harmful marketing practices. Senators presented various bills addressing the marketing of these products, which included SB1313, SB1314, and SB1316. Senator Cook laid out SB1313, aimed at prohibiting deceptive marketing techniques that entice minors, alongside testimony from concerned parents advocating for stronger regulations against smoke shops near schools. The committee also examined the App Store Accountability Act, led by Senator Paxson, which aims to ensure age verification for app downloads and hold app stores accountable for protecting minors online. Public testimony played a crucial role in the discussion, with parents and experts weighing in on the necessity of stringent regulations to safeguard youth from exploitation by marketers of addictive products.
TX
Texas 2025 - 89th Regular
Health and Human Services Mar 18th, 2025
Senate Health & Human Services Committee
Transcript Highlights:
- marker="2059" data-time="12348"> Those things, that data, I just had a bill voted out of here on property
- and then we have the back end as well, of maybe claims that were not appropriate, or it can involve fraud
- You talk about claims that have been paid, and you're watching for patterns of fraud, waste, and abuse
- something that's not appropriate, that's where you are using technology to look and find issues around fraud
Keywords:
immunization, written informed consent, civil liability, health care provider, vaccine compensation, administrative penalty, health care, licensing, complaint procedure, disciplinary action, law enforcement, conscience protection, health care services, civil remedy, disciplinary action, health care providers, patient access, hospital safety, emergency room, bollards
Summary:
The meeting of the committee was focused predominantly on various bills concerning healthcare and insurance policies, reflecting significant discussions on how these laws impact the community. Notably, Senate Bill 660 was introduced to enhance safety measures at healthcare facilities, discussing the necessity for bollards to prevent unauthorized vehicular access, highlighting a bipartisan understanding of public safety. Senator West emphasized the importance of these regulations, citing real-world incidents that necessitate such actions. Public testimonies complimented this discussion, providing insight into community needs for enhanced security in hospitals.
TX
Texas 2025 - 89th Regular
Business and Commerce (Part I) Apr 1st, 2025
Senate Business & Commerce Committee
Transcript Highlights:
- Agents will have the ability to show a property for sale or lease without establishing an agency relationship
- services, ...services to prospective buyers, like showing property
- Buyers can now begin searching for their dream home online, and when they're ready to visit a property
- Even if the consumer does not want representation, this bill would allow consumers to view that property
- if you were a utility and you decided to store a $4 million transformer, we're going to charge a property
Keywords:
electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, broadband access, tax reduction, internet service, rural connectivity, infrastructure funding, distributed energy resources, interconnection, ERCOT
Summary:
The Business Commerce Committee meeting was marked by the successful reporting of several bills, notably Senate Bill 783, SB1238, and SB1706, all of which received unanimous support from committee members. The chair facilitated discussions around the potential implications of these bills, with committee members highlighting the necessity for timely updates to current legislation. Public testimonies were heard regarding Senate Bill 1968, emphasizing its efforts to clarify the agent-buyer relationship in real estate transactions through the introduction of written representation agreements. Additionally, concerns were raised about regulations regarding backup generation for energy loads in the Senate Bill 2321 discussion, reflecting ongoing discussions about balancing energy needs with environmental regulations.
TX
Transcript Highlights:
- data-time="691">This includes part D, the definition of proxy advisor service, which adds "to prevent fraud
Keywords:
voting rights, confidentiality, public communications, discrimination, political contributions, Senate Bill 2363, Senate Bill 2044, Senate Bill 2633
Summary:
The Committee on State Affairs convened to discuss a variety of bills focused on voting rights, public communications, and societal concerns related to discrimination and political contributions. Notably, Senate Bill 2363, led by Senator Hall, was a significant discussion point concerning the unlawful publishing of ballots. The bill passed without objection, reflecting a bipartisan agreement on the need for confidentiality in voting and ensuring equality in the electoral process. Other key bills such as Senate Bill 2044 and Senate Bill 2633 also moved forward with favorable recommendations, illustrating the committee's focus on clear regulations in public communications and localized alcoholic beverage laws.
US
Us Congress 2025-2026 Regular Session
Hearings to examine the nominations of Michael Kratsios, of South Carolina, to be Director of the Office of Science and Technology Policy, and Mark Meador, of Virginia, to be a Federal Trade Commissioner. Feb 25th, 2025 at 09:00 am
Senate Commerce, Science, and Transportation Committee
Transcript Highlights:
- The FTC data shows that in 2023, consumers reported losing $10.4 billion to fraud, with a median loss
Keywords:
Senate Committee, Commerce, Science, Technology, Quantum Computing, Artificial Intelligence, FTC, Consumer Protection, Innovation, Emerging Technologies
Summary:
The meeting of the Senate Committee on Commerce, Science, and Transportation featured significant discussions regarding technological advancements and their implications for the future. Notably, nominations were made for key positions in the White House's Office of Science and Technology Policy and the Federal Trade Commission. Committee members expressed the importance of leading in emerging technologies like artificial intelligence and quantum computing, emphasizing that the pace of innovation is crucial for maintaining the United States' global position as a leader in technology. The discussions also highlighted the role of the FTC in protecting consumers from deceptive business practices and ensuring fair competition in the marketplace.
Attendees underscored the urgency of advancing research and development in areas such as quantum computing, as evidenced by a demonstration of a new quantum chip anticipated to redefine computing capabilities across industries. Various members engaged in vibrant exchanges, showing support for initiatives aimed at bolstering innovation through public and private collaboration. Overall, the meeting set a strong agenda for pursuing future science and technology policies that ensure the U.S. remains at the forefront of global advancements.
TX
Transcript Highlights:
- ICT is a trade association of companies writing property
- We're actually the largest state-based property and casualty trade association in the country.
- Which is unreasonable for Texas property owners.
- It's small strip center property owners.
- And wasteful care, not fraud and abuse.
Keywords:
advanced practice registered nurse, health maintenance organization, preferred provider, insurance, healthcare access, healthcare, insurance, provider ranking, cost-sharing, fiduciary duty, patient choice, insurance, annuities, health coverage, trade practices, rebates, inducements, health promotion, wellness programs, insurance
Summary:
The committee meeting revolved around key discussions on several proposed bills, particularly focusing on HB3211, which aims to improve patient access to optometrists. Multiple stakeholders participated, expressing their views and concerns regarding the impact of the bill on vision care networks. The discussions highlighted the need for a clearer application process for optometrists to be included in vision plan networks, reflecting a powerful sentiment from both healthcare professionals and patients about access to care. The meeting also encapsulated varying perspectives on the legal aspects surrounding HB2275, addressing arbitration provisions for surplus policies, illustrating the committee's diligence in scrutinizing regulatory frameworks for consumers.