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Conference committee reviews House–Senate differences on consumer protections, virtual currency and insurance
Summary
Nonpartisan staff walked conferees through House File 4188 side-by-side comparisons highlighting Senate-only provisions on virtual-currency kiosks, bank and credit-union crypto rules, mortgage and student-loan changes, a rental-home reimbursement guarantee, and insurance reforms; the committee heard advocates and the commerce commissioner before recessing.
Nonpartisan staff told the conference committee that the committee would work from a three-column side‑by‑side comparing House and Senate language for House File 4188 and related articles. The staff overview emphasized Senate-only provisions affecting financial services, consumer protections and insurance.
The Senate's consumer and financial services language would let financial-service providers communicate with a consumer's trusted contact with limited liability and add bank requirements for virtual‑currency services, including custodial segregation of assets. Senate-only text would also prohibit some virtual‑currency kiosks beginning Aug. 1, 2026, and make related…
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