►
Description
House Banking & Consumer Affairs Subcommittee House Hearing Room 3
A
Good
morning
and
thank
you
all
for
coming
out
to
banking
and
consumer
affairs,
I
like
to
call
it
to
order
banking
is
our
game,
but
affairs
are
not
allowed,
so
we
were
only
going
to
do
banking
and
consumer
affairs
and,
madam
clerk,
will
you
call
the
roll.
A
Great,
thank
you
all.
We
have
any
personal
orders
or
announcements
this
morning
to
get
started.
Anybody
on
the
committee.
I
see
none.
Okay.
Housekeeping
item
number
one
house
bill:
2055
has
been
rolled
one
week.
A
Oh
yeah
item
number.
Three
item
number
three
house
bill:
375
has
been
rolled
one
week
item
number
five
house
bill:
2733
has
been
rolled
one
week
item
number
eight
house
bill.
2505
has
been
rolled
one
week,
item
number
10
on
the
addendum
calendar
house.
Bill
859
has
been
requested
by
the
sponsor
to
be
taken
off
notice,
since
it
has
been
calendared
three
times
without
objection.
A
I
think
that's
all
right
now
like
to
remind
you
that
our
final
calendar
will
be
next
wednesday,
so
today,
at
3,
30
is
the
last
day
to
put
your
bills
on
notice
for
this
committee
today
at
3
30.,
and
we
have
a
calendar
today,
but
first
we're
going
to
go
out
a
session
to
hear
a
presentation
from
commissioner
gonzalez
director,
roush
director
dunn
and
aaron
bradley
on
financial
exploitation.
A
D
One
out,
thank
you.
Thank
you
chairman.
Thank
you
committee.
We
appreciate
you
all
allowing
us
just
a
few
minutes
I'll
I'll,
be
quick
and
what
we're
doing
is
bringing
to
you
a
a
concept
that
we
are
working
on
and
that
I
understand
there
may
be
some
legislation
that
may
be
forthcoming.
There
is
some
information
out
of
the
from
the
da's
conference
that
they
are
working
on
and
so
which
which
will
play
into
this.
This
effort
financial
exploitation.
D
I
don't,
I
don't
have
to
really
express
to
you
all
the
the
challenges
that
we
see
with
it
right.
Currently,
we
have
over
76
million
baby
boomers
in
our
country,
and
there
are
five
million
elder
abuse
victims
each
year
reported
and
that's
more
than
child
abuse
and
domestic
violence
combined,
and
so
the
the
the
real
concern
is
the
financial
exploitation
over
36
and
a
half
billion
dollars
in
loss
and
in
the
state
of
tennessee.
That
is
it.
The
number
is
is
is
large.
D
Now
we
understand
that
this
number
is
probably
way
under
reported
as
well,
and
so
we
we
have
a
concept.
We've
been
working
with
the
financial
institutions,
with
law
enforcement
with,
quite
frankly,
a
number
of
organizations
to
figure
out
how
we
get
in
front
of
this.
How
do
we
start
preventing
this
right?
The
one
thing
I
hear
from
the
da's
constantly
is
is
when
we
learn
about
this,
the
money's
gone
and
when
we
start
the
investigations,
it's
too
late.
D
These
individuals
end
up
on
the
the
roles
of
government
because
their
means
have
been
stolen,
and
so
what
we
have
talked
about
and
what
we
are
we
are
proposing,
is
we're
going
to
start
at
the
tbi
we're
going
to
create
basically
what's
called
a
9-1-1,
a
call
center
for
this
issue,
where
our
financial
institutions
can
call
in
and
talk
with
one
of
our
individual,
our
experts
and
get
information
on
next
steps
and
to
determine
if
they
should
implement
the
pause
law
which
this
body
has
passed
as
well
as
educate
the
public
and
these
institutions
on
that
specific
law,
as
well
as
other
pieces
of
exploitation.
D
And
so
that's
the
concept
and
then
the
the
piece
of
legislation
you
may
see
coming
forward
is
from
the
da's.
What
they
need
is
is
someone
for
us
to
hand
off
to
when
we
looked
at
it.
Originally
we
looked
at
law
enforcement,
some
500
and
plus
525
agencies
in
the
state
of
tennessee.
D
They
would
require
us
to
have
a
contact
at
every
one
of
those
locations
when
we
received
the
call
to
hand
off
and
the
da's
said
what
they
would
be
willing
to
do,
if
it
could
be
potentially
funded,
would
be
have
31
investigators,
one
in
each
of
the
da's
offices,
that
would
be
solely
responsible
for
for
elder
issues
and
obviously
financial
elder
exploitation
being
one
of
the
main
pieces,
and
so
we
we
absolutely
support
that
concept.
We
don't
know
what
the
the
volume
of
calls
will
be.
D
D
At
this
point,
our
our
support
is
with
the
da's
to
get
that
piece
and-
and
we
also
understand
we
understand-
that's
a
budget
ass
that
wasn't
in
the
the
budget
proposed
by
the
governor,
so
it
would
have
to
come
in
on
the
other
side,
and
so
what
we
would
suggest
if
the
31
positions
couldn't
be
done
is
do
a
pilot
program,
pick
four
jurisdictions,
small
medium
large
and
let
us
pilot
it
to
see
how
it'll
be
effective
and-
and
you
know
the
potential
of
learning
the
the
things
we
need
to
know
as
we
as
we
push
this
out.
D
Financial
institutions
are
all
behind
us.
I'm
sure,
commissioner
gonzalez,
can
express
those
as
well.
A
All
right,
thank
you.
Thank
you
very
much
for
that.
Yes,
this
is
an
issue
and
we
appreciate
you
bringing
that
forward
and
I
think
the
great
idea
just
keep
in
mind.
We
still
have
a
a
supplemental
budget,
that'll
be
coming
out
end
of
march
1st
of
april,
so
we
might
have
time
to
get
a
little
bit
of
money
in
there
for
instead
of
waiting
until
the
next
fiscal
year
and
next
up
we
have
commissioner
gonzalez,
would
you
would
you.
B
B
I
do
think
that
there's
been
progress
made
in
the
state
because
of
everybody,
that's
in
this
room
and
throughout
state
government,
but
most
of
all
from
financial
institutions
that
are
on
the
front
line,
tellers
and
others
that
are
having
to
deal
with
these
issues
on
a
daily
basis
and
having
to
make
hard
judgments
when
issues
are
brought
to
them
have
to
confront
them
and
they
have
to
make
decisions
as
to
how
they
may
affect
their
customers.
B
So,
in
a
lot
of
that,
one
of
the
things
that
we've
done
as
a
department
through
examinations
is
to
survey
institutions
to
understand
what
is
happening
and
what
they're
doing
so.
Let
me
just
give
you
a
brief
overview
of
what
we've
been
able
to
discover
through
our
examination
process.
B
B
We
also
noted
the
falling
actions
occur,
a
little
bit
less
frequency
and
I'm
sure
it's
based
on
the
issues
that
they're
confronted
with
collaborating
with
adult
protective
services
or
law
enforcement
agencies,
stopping
a
power
of
attorney,
refusing
or
delaying
transactions
and
here's
some
of
the
the
common
challenges
that
we
discovered
in
talking
to
institution
management.
B
So
because
of
that
issue,
what
director
roush
is
talking
about
is
so
critical
to
have
this
hotline
set
up
so
that
institutions
in
in
real
time
can
be
able
to
talk
to
the
tbi
and
their
folks
as
to
what
might
be
an
approach
to
take
for
these
issues.
So
let
me
just
say
we
really
commend
director
and
the
tbi
for
what
they're
doing
here.
It's
going
to
be
a
heavy
lift,
we've
all
got
to
get
behind
it
and
support
it.
But
I
think
this
is
a
major
step
forward.
A
E
Be
happy
to
chairman
aaron
bradley,
I'm,
the
director
of
the
east
tennessee
area
agency
on
aging
and
disability,
part
of
the
human
resource
agency
in
knoxville,
tennessee,
chairman
powers,
and
I
go
back
so
if
you
ever
want
to
know
what
he
did
25
years
ago.
Just
let
me
know
chairman.
I
appreciate
your
your
kindness
and
your
willingness
to
hear
from
us
today.
E
I
can't
say
enough
good
words
about
the
folks
on
this
panel.
All
the
way
through
they've
been
engaged
on
this
issue
for
a
number
of
years.
Let
me
start
with
a
quick
story
out
of
oak
ridge,
and
I
think
this
was
one
of
the
things
that
led
to
director
roush
and
his
team.
E
Looking
at
a
statewide
solution,
a
detective
in
oak
ridge
about
three
years
ago,
wendy
zokowski
decided
this
was
a
passion
of
hers
and
she
went
around
and
met
with
all
the
banks
and
credit
unions,
and
she
basically
said
call
me
if
you
see
something
suspicious
after
she
created
those
relationships
in
a
10-month
window.
When
she
launched
this
program,
she
saved
older
people
in
oak
ridge,
tennessee
3.5
million
dollars
in
10
months.
E
What
that
proved
to
us
as
a
coalition
as
an
agency
is
there
is
a
solution.
That's
the
first
thing
we
learned.
The
second
thing
we
learned
was
how
big
this
problem
is
in
10
months,
at
3.5
million
in
one
community.
Now
you
could
argue
that
oak
ridge
is
a
little
different
when
it
comes
to
older
populations
and
money,
but
it's
not
unlike
many
many
many
cities
and
towns
in
our
state.
So
if
it's
3.5
million
because
of
one
detective
in
one
community
in
10
months,
we
know
what
the
scope
of
the
problem
is.
E
It's
estimated
that
it's
200
to
400
million
dollars
a
year
is
stolen
from
people
over
age
65
in
this
state
and
as
director
rao
said,
35
billion
nationally.
I
think
400
million
is
a
low
number
I'll
give
you
three
stories.
Just
in
the
last
year
we
staff
a
coalition,
that's
made
up
of
banks
and
district
attorneys
and
law
enforcement,
and
we
have
for
20
years
first
story.
I'll
mention
is
a
95
year
old
great-grandmother
grandson,
moved
in
to
help
out
well
over
the
next
18
months.
E
Some
of
those
transactions
were
in
states
three
and
four
states.
Over
a
matter
of
fact,
one
of
the
transactions
was
a
forty
thousand
dollar
diesel,
ford
truck
that
I
think
the
banking
industry
has
kind
of
dealt
with
chairman
you-
and
I
talked
about
this-
where
they
set
limits,
sometimes
on
debit
cards.
I
wish
banks
and
credit
unions
would
talk
to
the
depositors
more
and
say:
let's
not
put
that
debit
card
against
very
much
money.
Let's
put
a
limit
on
it,
there's
a
lot
that
could
be
done
to
prevent
that
kind
of
thing
going
forward.
E
E
Now
the
first
time
I
was
involved
in
this
15
or
more
years
ago,
and
this
story
came
up
the
person
who
was
presenting
said
as
anybody
in
the
room
and
there
were
300
people.
Anybody
in
the
room
ever
done
anything
stupid
for
love.
Well,
you
know
everybody
kind
of
laughed,
but
it's
a
very
strong
emotion
and
folks
do
things
that
sometimes
they
normally
would
not
do,
but
that
case
came
to
us
on
monday.
E
What
I'm
saying
to
to
you,
chairman
in
this
committee
and
to
the
legislature,
is
this:
this
problem
is
bigger
than
anybody
ever
thought.
Even
me,
I've
been
dealing
with
this
for
a
long
long
time.
So,
as
the
speakers
have
already
said,
we've
got
to
come
up
with
a
solution
to
try
to
keep
that
money
in
the
bank,
because
once
it's
gone,
even
the
best
product
prosecutor
cannot
recover
that
money.
E
Yes,
sir,
I'm
over
already
I'm
sure
about
50
of
all
the
assets
in
this
country
are
held
by
people
over
age
50..
So
we
know
why
criminals
are
looking
to
take
advantage
of
older
people
in
our
state
and
beyond,
just
because
they're
holding
that
money.
E
So
please
please,
please,
as
you
talk
to
your
friends
and
colleagues
anywhere
and
everywhere
in
this
house,
remind
them
that
older
adults
are
being
abused
in
every
way
possible
by
those
folks
who
are
addicted
to
drugs
and
if
they
can't
get
the
money
easy.
Sometimes
it
turns
violent
and
physical,
and
we
see
it
all
the
time
and
it's
just
a
scourge
that
I
know
as
a
state
of
tennessee.
We
can
do
better
chairman.
Thank
you.
A
Thank
you,
and,
and
thank
you
for
not
asking
the
question
if
any
of
us
have
done
anything
stupid
for
live,
because
we
would
have
had
a
lot
of
hands
go
up
in
here
too.
Thank
you
and
director
dunn.
If
you
would
your
name-
and
you
know
your
position
plays.
F
F
F
F
In
2017,
the
general
assembly
enacted
legislation
known
as
the
paul's
law,
it
came
through
euros
committee,
the
authority
to
delay
or
refuse
to
conduct
transactions
that
permit
the
disbursement
of
funds
when
financial
exploitation
of
elderly
or
vulnerable
adults
is
suspected.
That
is
what
the
law
does.
Likewise.
F
F
It's
on
our
website.
I
encourage
you
all
to
take
a
look
at
it.
We'd
be
happy
to
bring
a
copy
by
if
you'd
like
to
have
one.
During
the
meeting
of
this
task
force,
members
highlighted
that,
while
financial
institutions
have
improved
tools
to
report
cases,
when
aging
tennesseans
are
exploited,
financially,
employees
of
financial
institutions
do
not
always
have
clarity,
how
to
report
incidents
of
suspected
activity
or
whom
to
report
them
to
at
the
task
force.
F
Meeting
director
roush,
of
course
discussed
this
1-800
hotline
and
I
think
it's
important
and
I
believe
that
all
of
you
all
would
agree
the
less.
We
can
do
to
infringe
on
regular
business
activities
the
better.
So
if
we
can
establish
a
resource
where
the
banking
industry
can
pass
off
any
of
this
suspicious
activity
to
law
enforcement,
they
can
go
on
about
their
business
and
we
can
continue
to
mitigate
the
wrongdoing
by
malicious
bad
actors.
I
believe
that
is
what
director
roush
is
attempting
to
do.
F
Of
course,
all
of
the
bankers
love,
commissioner
gonzalez,
because
he's
a
wonderful
man
and
and
and
the
banking
association
I
would
have
to
say-
should
be
committed
to
because
they
have
freely
freely
engaged
with
all
of
us
and
want
to
be
a
part
of
the
solution
to
the
problem,
and
this
is
one
area
where
everyone,
I
think
is
an
agreement
on.
F
So
if
we
could
do
something
with
the
1-800
number,
I
think
it
would
be
phenomenal-
and
I
am
really
here
to
support
these
gentlemen
and
director
roush
in
that
endeavor.
He
has
become
a
friend
to
me
and
a
mentor
they've
been
working
on
this.
For
a
long
time,
I'm
new
to
the
table
I'm
trying
to
learn,
listen,
but
I
know
enough
to
know
that
if
we
could
do
this,
it
would
be
good
for
the
state
of
tennessee.
It
will
be
a
win
for
all
of
you.
It
will
be
a
win
for
our
elderly
population.
F
A
Thank
you,
director
dunn,
and
I
I
think,
we're
all
in
agreement
with
that
and
just
to
direct
around
real,
real
quick.
If,
if
you
can
come
up
with
a
number,
I
don't
know
how
difficult
that
would
be
through
physical
review
or
whatever
that
we
need
to
maybe
apply
this
year
to
to
get
this
off
the
ground.
Then
maybe
we
can
work
with
some
people
in
the
governor
and
finance
and
everything
and
see
if
we
can't
at
least
get
and
get
enough
money
to
get
it
off
the
ground
and
get
it
started.
C
What
a
great
panel
and
again
as
a
banking,
executive
and
and
someone
that
that
has
dealt
with
this
firsthand
and
has
seen
it
at
my
bank
over
the
years
it.
C
We
certainly
need
to
put
resources
and
coordination
on
this
on
this
issue.
I
love
the
idea
of
the
pilot
program
because,
before
you
ramp
up
full
scale,
I
think
a
pilot
program
will
fair
it
out
the
situations
and
then
and
and
a
lot
of
how
to
then
build
the
program.
C
So
I
think
that
has
an
awful
lot
of
merit.
I
would
like
to
ask
because
this
is
a
certainly
a
mucky
issue
in
senior
exploitation,
because
often
it
is
family
and
friends
and
the
time-
and
it
usually
starts
off
very
minor
just
by
the
caregiver
by
something
and
then
they
they
start
figuring
out.
How
easy
it
is
to
start
siphoning
money
away
from
someone
they're
caring
for
and
then
it
just
seems
to
mushroom
and
and
by
the
time
it
is
detected.
C
B
G
A
E
Repeating,
oh,
thank
you,
sir,
about
50.
50
is
the
numbers
in
tennessee
and
what
happens
you're
absolutely
right.
It
starts
slow,
often
with
a
caregiver
or
family
member,
and
then
it
ramps
up.
What
we've
noticed
is
that
it
ramps
up
big
when
an
older
person
winds
up
in
the
nursing
home
or
in
the
hospital
if
they
have
an
episode,
sometimes
family
and
fraudsters
will
just
come
in
and
clean
that
person
out.
So
if
they
come
out
of
the
hospital
a
lot
of
times,
they
have
no
money
left
when
they
need
it.
E
The
most
a
lot
of
it,
as
I
mentioned,
is
related
to
addiction,
but
fraudsters
have
gotten
so
sophisticated.
In
this
example,
I
shared
with
you
earlier
with
the
hundred
thousand
dollars
and
also
the
ten
thousand
dollars
for
the
bitcoin.
These
fraudsters
are
counseling
these
victims
on
how
to
talk
to
the
banks
and
credit
unions.
E
What
to
say
what
not
to
say
how
to
keep
the
transaction
low.
So
it
don't
wind
up
on
anyone's
radar
screen.
These
tactics
are
phenomenally
sophisticated
and
we
look
at
these
cases
and
think
how
in
the
world
could
someone
fall
for
this
and
it
has
to
do
with
isolation,
loneliness
and
fear.
Those
are
the
three
characteristics
that
drive
this
kind
of
abuse.
C
That
we
know
is
someone
that
we
can
reach
on
behalf
of
of
that
customer
to
kind
of
either
one
verify
what's
going
on
or
to
to
kind
of
maybe
jump
in
to
talk
to
that
elderly
person
and
and
before
things
just
get
out
of
hand.
So
I'll
just
throw
that
out.
E
The
example
that
I
shared
with
you
about
the
great
grandmother
and
350
thousand
dollars
a
lot
of
the
local
institutions
in
knoxville
and
knox
county
adopted
that
policy,
because
what
happened
they
were
saying
if
they
had
had
someone
to
call,
they
could
have
likely
stopped
this
early
in
the
process.
So
I'm
so
pleased
to
hear
you
say
that
I
think
a
trusted
member.
They
don't
have
access
to
the
account
they
don't
co-own
the
account
but
they're
there
for
the
bank
or
the
financial
institution
to
call
if
they
see
something
suspicious.
I
think
that'd
be
huge.
A
All
right,
thank
you
and
one
thing
going
back
to
what
you
were
talking
about:
the
debit
card
or
check
card,
and
I
think
you
and
I
talked
about
this.
A
lot
of
banks
now
are
putting
a
limit
on
it
when
they
first
take
it
out,
and
then
you
can
raise
that
limit
or
you
can
have
that
limit
completely
taken
off,
and
I
know
the
bankers
are
been
working
on
that
and-
and
I
went
through
that
myself-
we
had
to
actually
raise
the
the
limit
because
they
stopped
any
kind
of
transaction
and
went
over
that
limit.
H
F
F
F
I
I
myself
have
not
seen
the
legislation
I
know
director
roush
has
talked
about
some
numbers.
Commissioner
gonzalez
has
worked
on
some
data,
but
I
believe
that
there
is
some
consensus
that
if
a
pilot
program
were
to
ensue
that
that
that
may
be
a
great
start
for
better
answering
the
the
questions
that
you
have
as
to
the
prevalence
of
the
of
the
problem.
B
I
was
just
going
to
mention
again
that,
through
our
examinations,
you
know
we're
surveying
institutions
and
so
here's
the
the
common
challenges
that
institutions
have
raised
and
one
is
just
educating
and
communicating
with
elderly
customers.
I
think
it's
even
been
suggested
of
having
a
media
campaign
in
tennessee
to
bring
awareness
to
this
issue.
B
And
just
understanding
what
government
agency
you
know
we
mentioned
this
before.
Of
course,
that's
the
reason
that
director
roush
and
the
tbi
are
coming
up
with
this
hotline
number
is
is
just
to
help
institutions
understand
where
to
where
to
go,
and
that
was
the
testimony
that
we
had
by
one
banker
who
had
an
issue
in
front
of
them
at
that
very
time,
and
they
were
trying
to
do
the
best.
They
could
a
small
institution
with
limited
personnel,
and
it
can
be
overwhelming
for
the
front
line
folks
to
truly
understand
where
to
go.
E
Thank
you,
chairman
banks
and
credit
unions
that
I
talked
to
and
have
for
a
number
of
years
are
doing
a
yeoman's
job
trying
to
protect
their
depositors
of
all
ages,
but
they're
frustrated
that
they
don't
have
support
outside
their
branch
or
outside
their
door.
E
E
E
I've
never
worked
in
a
bank
and
I
haven't
owned
a
bank
chairman
brickens.
You
might
subscribe
to
this
idea
if
I
ran
a
bank
somewhere.
I
would
not
want
to
be
the
bank
in
the
community
known
to
older
adults
as
the
place
where
you
could
not
get
your
money
out
now.
I'm
I'm
guessing
that's
part
of
the
impediment
here
and
I
absolutely
if
I
ran
a
bank
would
be
saying
the
same
thing.
E
Let
that
be
the
reputation
of
the
bank
down
the
street.
Not
here,
so
I
think
the
paul's
law
is
there
it's
a
great
tool.
I
think
it's
underutilized
and
I,
but
I
think,
with
the
call
center
and
law
enforcement
and
aps
bolstering
a
response.
I
think
banks
would
use
it
more.
Ultimately,
if
every
bank
and
credit
union
used
it,
the
criticism
about
we
can't
get
our
money
would
go
away
right.
So
I
think
that's
that
would
be
my
response.
D
A
couple
of
points
one
is:
is
the
laws
do
work
when
when
we
use
them-
and
so
I
think
what
happens
in
what
I've
heard
from
the
financial
institutions
is,
is
there's
not
a
consistent
response
by
law
enforcement,
and
you
know
it
depends
on
which
jurisdiction
you're
in
when
you
call
some
and
no
knock
to
my
previous
organization
that
I
was
with,
but
that
call
would
go
to
a
call
center,
basically
that
what
we
called
teleserve
and-
and
I
know
what
the
answer
that
they
gave
for
years-
because
I
was
over
that
unit
for
a
while-
and
that
answer
was
this-
is
a
civil
matter.
D
You'll
need
to
contact
an
attorney.
Well,
it's
not
a
civil
matter
right
and
so
there's
some
education
that
needs
to
be
done
clearly
with
law
enforcement.
But
this
provides
and
again
the
the
concept
wasn't
mine.
This
concept
actually
came
from
the
financial
institutions
themselves,
they're
the
ones
who
said
it'd
be
nice
if
we
had
a
911
call
center.
D
Just
for
this
issue
and
when
my
team
heard
that
they
were
like
my
gosh,
we
do
these
all
the
time
we
got
800
lines
coming
into
the
tbi
that
that's
an
easy
lift
for
us,
and
so
so,
when
we
presented
that
back
to
the
financial
institutions,
they
were
all
like.
Yes,
because
then
there's
some
consistency
in
response,
there's
some
consistency
in
the
information
and
the
advice
and,
frankly,
there's
the
brand
of
the
tbi.
D
That's
involved
in
this,
and
I
think
that
that
gives
some
comfort
to
those
who
who
are
calling
in
and
understanding
that
they're
getting
some
advice
that
is
solid
based
on
law
and
that
they
would
then
be
able
to.
We
know
again,
our
hope
is
to
be
able
to
connect
it
with
the
da's
offices.
D
Where
then
they
would
have
an
investigator
that
that
takes
it
and
runs
with
it
contacts.
The
bank
starts
to
look
at
the
information
and
helps
in
that
pause
time
that
that
we
are
limited
to
under
the
law,
and
so
so
helps
them.
You
know
and
immediately
they
were
able
to
determine.
Is
there
something
going
on
here
or,
if
not
and
then
do
we
release
the
money
or
do
we
continue
to
hold
it.
A
Yeah
great,
thank
you
and
later
kemper.
G
Thank
you,
mr
chairman,
thank
you
all
for
really
bringing
this
issue
to
us
to
really
take
a
deep
look
at
I've.
Had
people
who've
been
taken
advantage
of
older
people
with
dementia
setting
in
and
and
people
want
to
borrow
money
from
them
and
they
forget
who
it
was,
and
they
people
know
that
if
I
guess
they
never
pay
them
back
and
they
take
them
to
the
bank
and
the
bank
said
well,
they
went
through
the
drive
through.
I
never
saw
him,
so
I
do
think
it's
good
to
have
the
trusted
advisors.
G
I
went
when
I
had
people
coming
to
me
about
this.
I
had
that
set
up
for
my
mother
and
a
bank
she's
been
banking
with
30
some
odd
years,
and
so
they
know
her
and
they
know
me
so
I
have
that
kind
of
trusted
advice.
I
think
they
see
anything
suspicious,
they'll
call
and
we
set
limits
on
her
accounts
and
things
like
that,
but
it
is
a
real
issue.
G
I
agree
with
the
chairman
about
a
pilot
program
where
we
can
kind
of
get
assists
sense
of
what
the
issues
are.
How
can
we
solve
them?
Collect
the
data
analyze?
It
and
then
put
you
know
the
proper
resources
in
place
to
go
after
the
things
that's
been
identified
in
the
pilots,
so
I
would
hope,
there's
something
we
can
get
done,
mr
chairman,
maybe
in
a
supplemental
budget
I
think
that's
a
great
idea.
G
Lastly,
I
don't
know
if
you
all
seen
any
of
this,
but
I
have
two
very
good
friends
of
mines
who
had
people
that
they
knew
trusted.
Part
of
the
family
been
around
for
years,
grew
up
with
them,
who
eventually
befriended
their
aunt
or
uncle,
or
somebody
in
their
family
and
convinced
these
people
to
give
them
power
of
attorney
to
act
on
their
behalf
and
and
they
just
I
mean
they
wiped
them
out
I
mean
they,
they
took
all
kind
of
land,
all
kind
of
resources.
G
You
know
change
the
beneficiaries,
I
mean
they
did
a
lot
of
horrible
things
to
these
older
people,
and
I
do
agree
with
the
isolation
and
loneliness
is
an
issue.
One
of
them
had
recently
lost
her
husband.
This
girl
befriended
her
somebody.
G
G
She
had
a
power
of
attorney,
but
it's
a
real
problem
on
multiple
levels,
and
I
appreciate
the
financial
institutions
because
being
concerned
about
it
and
want
to
do
something
about
it
and
bringing
it
to
the
attention
of
law
enforcement.
So
the
collaboration,
I
think,
is
great
and
we
have
a
really
good
opportunity
to
do
something
good
for
our
citizens
here.
So
I
appreciate
this
and
thank
you,
mr
chairman,.
E
E
That's
where
the
money
is
and
that's
why
these
criminals
are
targeting
our
older
citizens
and
chairman.
Thank
you
so
much
and
members.
We
can
make
a
difference
and
do
better,
and
I
appreciate
the
opportunity.
A
Thank
you
and
thank
all
of
you
for
coming
out
today.
We
really
appreciate
this
and
I
think
we
learned
a
lot
and
I
think
we've
we've
got
some
things
to
do
and-
and
I
know
I
and
everybody
here
on
this
committee-
willing
to
help-
do
that.
So
thank
you
all
for
coming
out.
A
Okay
and
the
first
one
is
item
number
two
and
house
bill
2463
by
our
friend
representative
calfi
representative
calpe
you're
recognized.
Thank
you.
I
B
C
Comp
have
trouble
making
a
deadline
of
december
31st
on
found
their
report
because
they're
audit
cycle
and
this
changes
that
date
to
march
31st.
A
I
have
the
question
on
the
bill.
Any
objection
all
in
favor
say
aye
all
opposed
the
eyes.
Have
it
you're,
moving
on
to
full
commerce.
Thank.
J
A
A
Okay,
yeah
we're
gonna
roll
that
one
to
the
hill
item
number
five.
No,
we
skip
number
five
item
number
six
representative
mitchell
he's
coming
back
into
the
room
and
represented
at
the
house
bill
23,
96,
representative
mitchell,
you're
up
you're
on
yeah
you're
on
deck
and
do
we
have
a
motion
on
bill
and
a
second
got
a
motion
and
a
second
and
there
is
an
amendment
on
the
bill
and
what's
the
drafting
code
that
you
have
on
that.
A
I
have
drafting
code
zero,
one
four,
five,
seven,
oh,
let
me
check
yeah.
Is
that
correct?
Okay?
So
we
need
a
motion
and
a
second
on
the
amendment
motion
and,
second,
all
in
favor
say
I'm
all
right.
We
got
it
added
on
to
the
bill.
Okay,
let's
talk
about
the
amendment
then
please.
K
K
A
A
A
A
J
K
Representative
you're
exactly
right,
I'm
I'm
curious
myself
why
they
haven't
brought
this
forth,
because
I
think
you
know
the
feds
more
or
less
suggested
to
them
to
bring
legislation
and
they
haven't.
So
I
I
just
thought:
if
they're
not
gonna,
do
it
since
we're
sixth
in
the
nation
in
workplace
deaths,
someone
needs
to
do
it.
J
All
righty,
thank
you
and
and
and
one
thing
that
I
would
point
out.
I
see
that
there's
a
positive
fiscal
note
which
is,
which
is
can
be
it's
a
nice
shiny
thing
that
people
would
like
to
sometimes
chase
positive
physical
notes.
But
at
the
same
time
you
have
to
ask
at
what
cost
of
those
revenues
coming
into
the
state
due
to
our
businesses.
J
Yvonne,
thank
you,
mr
chairman,
and,
and
I
support
that
last
statement
you
had
I
I
do
this
to
me.
This
is
a
matter
that
needs
additional.
I
need
additional
background
before
I
I
can
vote
on
it
before
I
impose.
I
raise
up
fine
limits
for
for
folks,
but
that's
that's
the
way
that
I
that's
my
own
personal
personal
view.
K
Yeah,
you
know,
I
understand
you
know
I
but,
like
I
said,
I'm
just
doing
what
the
the
federal
osha,
osha
has
instructed
our
state
to
do
and
they're
just
not
doing
it.
So
I
think
it
comes
abundant
upon
us.
It's
our
responsibility
to
step
up
and
do
this.
You
know
the
federal
government
told
the
state
to
lower
the
bac
for
several
years.
K
We
didn't
do
it
so
they
said
we're
going
to
take
your
federal
highway
dollars
and
you
know
what
we
did
it
so
do
we
want
to
wait
till
osha
has
to
do
something
like
that
before
we
recognize
a
problem
and
fix
it.
A
Okay,
chairman
boyd,
thank
you,
mr
chairman,.
C
And
and
sponsor,
I
appreciate
your
enthusiasm
for
this.
I
am
you
know,
kind
of
surprised
that
we
haven't
heard
from
tosh
on
this
or
anything,
and
you
know
I
know
that
tosha
does
a
really
good
job
and
they
we
we
operate
within
the
guidelines
that
are
set
set
up
by
the
federal
government
through
osha,
but
we
take
a
lot
of
pride
in
having
our
autonomy
here
and
doing
things
as
much
as
possible
in
kind
of
a
tennessee
way,
and
I
just
have
a
lot
of
reservation
about
upping
this
penalty.
C
C
So
in
today's
well,
first
of
all,
we
take
a
lot
of
pride
in
having
a
very
pro-business
climate
here
in
tennessee
and
and
the
proof
is
in
the
pudding,
we're
seeing
a
lot
of
companies
and
businesses
relocate
here,
and
I
just
think
this
runs
contrary
to
to
that
spirit
that
we
have
here,
and
so
I
I'm
against
this
bill.
So
I
just
want
to
say
that.
Thank
you,
mr
chairman,.
K
H
Restroom
didn't
even
realize
it,
and
this
customer,
though,
decided
to
you
know,
call
tosha
joshua
came
in
and
you
know
they
did
cite
the
business
for
not
having
hot
water
business
got
it
fixed
very,
very
quickly,
but
those
kind
of
things
can
happen
with
business,
and
I
want
to
tell
you
one
thing:
tennessee
tosha
does.
That
is
excellent.
Tennessee
tosha
has
a
service
where
something
like
that
happens.
H
They
will
come
into
your
business.
Maybe
you've
got
a
few
of
them
or
whatever
they'll
come
in
and
they'll
look
around
and
they
will
kind
of
consulting
and
point
out
the
things
that
are
going
wrong.
A
lot
of
business
owners.
Don't
know
about
that.
It's
one
of
the
best
things
tosha
does
these
people
can
then
fix
those
things
and
correct
those
things,
and
I
really
find
that
most
business
owners,
especially
if
they're
going
to
go
through
that
program.
They
want
to
get
those
things
corrected
because
they
want
a
safe
workplace
for
their
employees.
H
I
don't
think
businesses
are
are,
are
doing
nasty
things
and
and
taking
advantage
of
their
employees.
They
want
their
business
to
run
well,
it
saves
them
money,
workplace
accidents
cost
some
money.
They
don't
want
that
and,
like
I
said,
tosha
has
wonderful
services,
but
I
don't
see
why
we
need
to
hit
our
businesses
harder,
especially
at
this
time
when
we're
seeing
inflation
wages,
rising
the
instability
in
the
world
and
federal
government.
I
don't
think
this
is
any
time
to
be
doing
something
like
that.
K
Mr
chairman,
let's
make
it
abundantly
clear,
no
one
is
throwing
a
rock
at
tosha,
you
know
no
one
has
said
they're
not
doing
a
good
job,
but
the
federal
government,
osha,
has
told
them
they
will
bring
it
these
fines
up
to
their
standards,
or
else
you
know
it's
kind
of
like
us.
As
state
government.
We
like
to
tell
local
government,
you
will
do
this
or
else
well.
They've
got
a
big
brother
too.
It's
osha
and
they're
being
told
you
will
do
this
or
else
don't
believe
me.
Ask
them.
If
they've
been
told.
A
G
A
G
K
Mitchell,
yes,
sorry,
mr
chair,
you
know
that
would
probably
be
up
to
the
tosha
inspector
and
who's
doing
it.
So
you
know
I'd
say
I'm
I
wouldn't
want
to
speak
for
them,
but
I
think
it
would
be
in
their
judgment
call.
You
know
those
guys
have
been
doing
it
long
enough.
They
know
a
serious
situation
and
one
that
corrective
action
could
be
taken
and
not
they're,
not
looking
to
find
anyone,
but
again
no
one's
looking
to
find
anyone,
no
one's
looking
to
say,
tosha's,
not
doing
anything
right.
K
A
Chairman
bricken
question's
been
called
on
the
bill.
Any
objection
with
no
objection,
we're
going
to
be
voting
on
house
bill,
2396
all
in
favor,
say
aye
all
opposed.
No,
the
no's
have
it
sorry
representative
mitchell
and
you
have
another
bill.
A
K
K
K
You
know
when
when
a
job
seeker
is
looking
and
they
don't
see
what
the
salary
is,
you
know
they
just
go
on
to
something
else,
and
secondarily
this
also,
you
know
if
representative
lynn
applies
for
the
job
and
representative
powell
applies
for
the
job,
no
matter
who
gets
it,
they
should
get
the
same
wage
if
they're
equally
qualified,
so
that
also
solves
that
problem
within
our
state
and
with
that
being
said,
I'll,
take
any
questions.
Okay,.
A
Let
me
ask
you
one
so
you're
just
talking
about
a
salary,
this
the
range
right
right,
because
it
could
be
you
know,
varied
depending
on
education,
background
experience,
but.
A
Do
we
have
any
discussion
on
the
bill
question
on
the
bill
without
any
objection,
without
objection,
we're
going
to
be
voting
on
house
bill,
2398,
all
in
favor,
say
aye
I'll
oppose?
No,
so
the
no's
have
it
too.
The
bill
fails.
Thank
you.
Representatives,
hey.
K
A
You
committee
appreciate
it
all
right.
Thank
you.
Item
number
nine
house
bill
1274
by
representative
powell,
representative
powell,
you're
recognized.
We
have
a
motion
and
a
second.
I
Thank
you,
mr
chairman
members.
I
do
have
an
amendment.
The
amendment
is
written
to
ensure
the
bill
doesn't
conflict
with
what
we
passed
last
year
in
regards
to
unemployment
benefits
legislation.
I
would
also
change
the
effective
date
to
december
1st
2023..
Okay.
I
A
I
I
explained
the
amendment
if
you
know
anybody
has
any
questions
I
can
get
into
the
specifics
of
the
bill.
If
we
adopt
the
amendment.
A
I
A
I
Mr
chairman
of
committee,
so
I
brought
this
and
shared
it
at
the
end
of
last
session,
and
you
know
worked
on
this
throughout
the
year
with
different
stakeholders
in
the
business
community.
In
fact,
there
was
actually
a
whole
session
on
this
topic
at
the
southern
legislative
conference.
I
had
the
pleasure
attending
that
our
own
speaker
was
the
the
chair
of,
and
you
know,
essentially
what
this
would
do
is
establish
a
voluntary
shared
work,
employment
benefit
program.
I
It
would
allow
certain
employers
to
submit
to
the
department
of
labor
and
workforce
development
for
approval
plan
to
reduce
work
hours
in
exchange
for
employee
access
to
certain
level
of
unemployment.
Compensation
benefits
programs
such
as
the
shared
work
unemployment
benefit
program
are
designed
as
a
reduction
alternative
to
layoffs
for
employers
who
have
been
faced
with
a
reduction
in
available
work.
I
It
also
allows
an
affected
group
of
employees,
the
ability
to
collect
unemployment
benefits
while
working
reduced
hours,
workshare
programs,
let
businesses
temporarily
reduce
their
hours
of
their
employees
instead
of
laying
them
off
during
economic
downturns,
technically
referred
to
as
a
short-term,
short-time
compensation.
The
goal
of
work
sharing
programs
is
to
reduce
unemployment.
Workshop
programs
benefit
business
workers
and
states.
Businesses.
I
Businesses
retain
their
trained
workforce
for
easy
recall
to
full-time
work
when
economic
conditions
improved,
for
example,
instead
of
laying
off
20
of
a
business's
workforce,
a
participating
employer
in
the
program
under
this
bill
may
reduce
all
hours
in
payroll
across
its
entire
workforce
or
a
segment
of
its
work.
First,
by
20,
the
affected
employees
received
receive
80
of
the
regular
pay
from
the
work
share
employer.
They
also
would
be
eligible
to
collect
partial
employment
insurance
benefits
from
state
to
offset
reduction,
at
least
in
part.
You
can
see
the
basically.
I
The
fiscal
data
shows
that
this
would
lead
to
an
overall
decrease
the
number
of
unemployed
individuals.
I
wanted
to
also
add
that
26
states
plus
the
district
of
columbia,
have
this
including
arizona,
arkansas
florida,
kansas
missouri,
and
you
know,
I
think
this
is
a
worthwhile
program.
Hopefully
we
don't
face
a
recession
or
downturn
like
we
did
previously,
but
if
we
do,
I
think
this
is
great
flexibility
for
companies
and
businesses
in
the
state
of
tennessee
to
maintain
their
workforce
and
come
out
on
the
other
side,
strong,
open.
Any
questions.
A
I'm
going
to
start
off
with
the
first
one
you
were
talking
about:
they
can
receive
the
reduced
unemployment.
How
long
a
period
of
time
can
they
receive
that?
Is
it
just
like
what
it
is
right
now?
Is
it.
I
J
Thank
you,
mr
chairman,
and
and
you'll
see
I
signed
on
to
this
bill.
It's
one
of
those
that,
frankly,
I
wish
had
been
my
idea
to
bring
it
forward.
A
J
What
the
principle
behind
it
is
this,
and
that's
I'll,
give
you
an
example
of
of
back
right.
After
the
turn
of
the
century,
the
construction
business
was
in
a
free
fall
and
the
design
business
soon
followed,
and
I
was
owner
of
a
design
firm
and
we
we
had
to
decide
whether
or
not
we
were
going
to
lay
off
10
employees
or
whether
the
80
of
us
would
go
to
a
reduced
hour
schedule.
J
It
also
may
allow
them
to
go
and
go
seek
a
different
industry,
and
it
removes
them
completely
from
a
hiring
pool
from
the
industry
which
they
just
left.
If
we
have
a
situation
to
where
reduced
hours
can
be
offered
to
a
workforce
and
their
their
income
is
supplemented
through
that
reduced
those
reduced
hours
by
the
unemployment
funds
that
the
employer
has
been
paying
into
the
account
what
it
does
is
it
keeps
that
workforce
available
and
trained
for
that
employer.
J
J
I
saw
the
presentation
at
slc
over
at
the
hyatt
earlier
this
year,
and
that
was
when
I
I
knew
because
of
my
practical
experience
with
it
and
once
you
lay
people
off
and
and
send
and
terminate
effectively
terminate
them,
even
if
it's
for
a
short
time,
they
become
eligible
to
seek
other
opportunities
and
they're
not
available
for
you
as
a
hiring
pool
to
get
back
into
into
the
business
as
a
as
a
whole.
We've
we
have
gone
over
this
with
our
state
chamber
of
commerce.
J
They're
they've
are
they're,
have
indicated
a
positive
reception
to
it,
and
so
I
think
it's
something
it
provides
us
another
tool
on
whether
it,
whether
the
econo,
whether
it's
a
self-induced
economic
downturn
like
this
last
time
or
whether
it's
it's
an
economic
downturn.
J
A
All
right,
thank
you.
Do
we
have
any
other
discussion
on
the
bill
representative,
lynn,.
H
Okay,
so
I
definitely
understand
the
concept
better.
Now
I
have
a
question:
employers
don't
have
to
participate
in
it,
but
should
the
employer
participate,
might
an
employee
be
able
to
say
well,
I'm
not
going
to
participate
in
it
because,
just
in
case
this
business
does
end
up
going
out
of
business.
I
do
want
to
reserve
my
full
unemployment
benefits
for
a
later
time
and
I
will
just
suffer
the
decreased
hours
now.
So
does
the
employee
also
have
to
participate
if
the
employer
chooses
to
participate
yeah.
I
So
so
it's
in
across
the
board.
Essentially,
so
the
company
makes
it
a
decision.
It
applies
across
the
board,
so
you
know
the
hope
would
be.
All
employees
would
want
to
maintain
their
work.
So
but
again,
the
way
this
would
go
is
it
would
go
through
the
department
and
they
would
approve
any
application,
and
then
you
know
they
would
have
to
stick
to
it.
There's
different
protocols
in
there
to
make
sure
that
everybody's
adhering
to
this,
but
essentially
you
know
that
would
be
it.
The
employer
would
make
that
decision.
J
Vaughn
and
it's
my
understanding,
representative
lynn,
that
even
today,
employees
do
not
have
to
file
for
unemployment,
even
if
they
receive
so
while
they
may
suffer
reduced
work
hours,
it
would
still
be
up
to
them
whether
or
not
they
accessed
benefits
during
that
time.
That's
right!
Okay
and
that's
the
that's.
The
thing
that
I
like
about
this
bill
is
that
it's
permissive
on
all
all
fronts:
it
provides
a
mechanism
and
a
tool
that
we
don't
currently
have,
but
it's
not
forcing
anyone
to
do
anything.
It
just
makes
it
available
as
another
option.
I
And
I'll
add
to
that
representative
chairman
there's,
even
provisions
here
make
sure
if
somebody
want
to
get
outside
work
to
supplement
it.
You
know
they
would
have
to
stay
within
the
the
certain
hours
and
report.
All
that,
so
I
think
it's
it
squares
away
everything
to
to
make
sure
at
the
end
of
the
day
that
if,
if
employee
employers
want
to
have
this
option,
I
think
it's
a
great
thing
to
have,
and
I
appreciate
you
chairman
for
your
comments
and
support.
As
we've
worked
through
this
over
the
last
year.
Okay,.
A
Anyone
else
any
other
got
a
question
on
the
bill,
we'll
be
going
to
be
voting
on
house
bill.
A
A
Item
four,
okay
and
sorry,
representative
griffey,
you
weren't
here
when
we
went
by
a
while
ago,
but
we
rolled
you
to
the
hill,
so
you're
recognized
on
item
number
four
house
bill
2310..
A
C
Amendment
number
one:
three,
nine
one:
nine
is
an
amendment
that
I
file.
It
doesn't
make
the
bill,
but
it
adds
a
provision
for
the
money
transmitter
to
only
do
the
transmission
if
a
customer
provides
their
name
address
and
a
valid
form
of
identification
and
the
entity
is
required
to
keep
a
copy
of
the
identification
for
three
years
for
low
import
law
enforcement
purposes.
A
J
Mr
chairman,
what
this
amendment
does
it
does
not
require
that
the
identification
be
re
be
kept
for
three
years.
What
it
does
is.
It
makes
the
transaction
to
be
more
like
someone
if
you're
carded,
to
buy
alcohol
or
cigarettes
at
a
at
a
convenience
store
it's.
It
applies
the
same
principle
to
to
this
transaction,
as
that
also
there
is
no
fee
charged
or
fee
or
tax.
I
think
the
words
are
interchangeable
in
this
instance.
J
But
my
position
is:
is
that,
if
we're
I'm
trying
to
keep
the
bill
from
imposing
what
looks
like
now
to
be
almost
an
8
million
tax
on
people
who
are
engaged
in
money
transfer,
whether
they
are
legal
citizens
born
citizens,
visitors,
citizens
with
the
right
papers
illegal,
whatever
this,
this
would
prevent
illegals,
because
they
wouldn't
have
the
paper
from
being
able
to
send
money
out
of
the
country.
But
it
would
also
allow
people
who
are
sending
money
for
whatever
reason
whether
it
be
for
charitable
family
needs
it.
J
Would
we
don't
get
into
why
they're
sending
money?
I
know,
there's
a
vigorous
federal
program
that
that
tracks
law
enforcement
issues
with
regards
to
sending
money
out
of
the
country,
and
what
this
does
is.
This
makes
this
more
of
an
everyday
transaction,
as
if
somebody
was
gonna
buy
a
pack
of
cigarettes
at
a
convenience
store.
You
show
your
identification.
J
A
Of
that
amendment,
say
aye
all
right,
I'll
oppose
the
eyes,
have
it
so
that
amendment's
on
the
bill.
Do
we
have
any
discussion
on
that
amendment
on
the
bill?
I'm
sorry
back
on
the
bill.
Yes,.
C
A
C
What
this
bill
would
do
without
the
amendment
would
simply
add
a
two
dollar
fee
to
these
transfers.
It's
estimated
to
generate
there's,
I
believe,
there's
approximately
nine
million
transfers
every
year
until
the
total
or
for
2020.
There
were
9
million
transfers
and
it
was
an
estimated
2.7
billion
dollars,
left
the
state
of
tennessee
economy
forever.
Never
coming
back,
that's
money
that
normally
goes
in
and
goes
to
our
businesses
and
local
businesses
and
and
generates
additional
business
and
economic
impact
throughout
the
state
of
tennessee,
we're
losing
all
that
money.
C
I've
tried
to
pair
this
bill
down
where
it's
as
simple
straightforward,
so
we
could
get
more
data
exactly.
How
much
is
where
it's
going,
how
much
money
is
leaving
the
state
of
tennessee?
That's
why
I
propose
a
simple
two
dollar
fee
for
the
state
and
one
dollar
for
the
vendors
or
the
four
money
license
agents,
so
they
would
not
be
out
additional
money
for
the
bookkeeping
aspect
of
it,
and
that
was
estimated
I
believe,
to
generate
some.
C
C
I
would
ask
the
committee
to
please
reconsider
with
the
amendment
that
takes
off
the
two
dollar
fee
for
the
state
and
one
dollar
fee
for
the
money
transfer
agents,
because
if
you
don't
it's
costing
them
additional
money
to
do
this,
and
this
is
not
a
tax
on
tennesseans,
necessarily
it's
trying
to
recover
tax
that
normally
would
be
in
our
economy
that
we've
lost
to
the
2.7
2.7
billion
dollars.
So
with
that
I'll
move
passes
and
try
to
answer
any
questions.
A
Okay,
well,
thank
you
and
I
know.
We've
we've
talked
about
this
a
lot
and
I
I
agree
with
many
concepts
of
the
bill,
but
I
I
can
see
where
we're
going
to
be.
You
know
if
there
was
a
fee
on
there
that
we're
going
to
be
catching
not
exactly
what
the
intent
of
the
bill
is.
A
We're
also
going
to
be
catching
people
who
are
constituents
and
and
legal
residents
of
the
state
that
might
be
sending
money
to
a
family
member
or
something
over
overseas,
and
so
you
know
with
the
amendment,
I'm
I'm
okay
with
it,
but
you
know
we're
trying
to
add
a
fee
or
or
attack
or
whatever
we
want
to
call
it
and
it,
and
it
really
is,
but
it
it
would
not
only
be
catching
people
that
were
you're
trying
to
it's.
Gonna
have
other
ramifications
to
to
catch
other
tennesseans.
So
but.
C
Did
I
did
want
to
inform
the
committee
that
there
is
a
provision
on
the
bill
that,
if
someone
produces
a
military
id
or
a
spouse
produces
a
military
id,
they
would
not
be
subject
to
the
fee
and
the
fee
is
two
dollars
per
transaction?
That's
all
it.
You
know
it
can
be
any
amount
of
money,
but
it's
a
minimum
base
level
two
dollar
fee
to
try
to
get
a
capture
on
what's
going
on
and
have
these
records
available
for
law
enforcement.
C
Of
course,
if
they're
someone's
here
illegally,
what
they'll
do
is
give
the
money
to
someone
that's
here
legally
and
get
them
to
make
the
transfer
and
by
capturing
the
identification
that
would
allow
law
enforcement
of
different
additional
records
to
review
and
find
out
what's
going
on
in
our
state
and
actually
how
much
money
may
be
leaving
the
state.
You
know
that
money
could
be
drug
money
for
all.
We
know,
but
we
don't
know
unless
we
take
some
kind
of
action.
So
again,
I'd
move
for
passage,
yeah.
A
And
just
like
the
other
bills
that
you
know
if
we
were
talking
about
like
beer
or
tobacco
or
whatever,
if
you
get
somebody
else
to
do
that,
for
you,
then
that's
already
a
class
c
misdemeanor.
So
there's
going
to
be
that
provision,
that's
already
built
into
it
with
the
amendment.
So
we
have
a
question
on
the
bill.
Okay,
so
we're
going
to
be
voting
on
the
bill
as
amended
house
bill,
2310,
all
in
favor,
say
aye,
all
right,
all
opposed!
A
A
Announcements
or
anything
before
the
committee
coming
before
the
committee,
okay,
seeing
none,
we
are
adjourned.