Committee Summary for House Commerce and Consumer Affairs (01/07/2025)

Bill/Time	Type	Title	Sponsor
Unclear 00:07:58.440 - 9:06:59 AM	General Working Session	Unclear
Unclear 00:47:40.200 - 9:46:41 AM	General Working Session	Unclear

Unclear: John Hunt, Ringe, NH Information Only00:07:58.440 - 9:06:59 AM; John Hunt, the chair, opened the session by humorously noting that he lost his gavel at the end of the previous session and had given it to Jane. He welcomed everyone, mentioning his long tenure of 38 years in the committee and highlighted the low turnover rate among members this year. He also mentioned the casual atmosphere of the committee and cautioned new members not to expect the same in other committees.
Unclear: Mano Chasia, Hillsborough County District 11 Information Only00:12:40.519 - 9:11:41 AM; Mano Chasia introduced himself as an IT professional and entrepreneur from Nashua, NH, who has lived there for over 22 years.
Unclear: Adam Pieza, Nashua, NH Information Only00:12:40.519 - 9:11:41 AM; Adam Pieza introduced himself as a master's student at New College and a realtor, offering his services to members who might need to sell their houses.
Unclear: Brian Cole, Manchester, NH Information Only00:12:40.519 - 9:11:41 AM; Brian Cole introduced himself as a representative from Manchester, NH, and mentioned his retirement last year to serve full-time. He shared his educational background in economics, finance, and accounting from Southern New Hampshire University.
Unclear: Susan Pelli, Rockingham District 19 Information Only00:13:43.399 - 9:12:44 AM; Susan Pelli introduced herself as a representative from Hampton Falls and Kensington, NH. She mentioned her past work with Mano at a financial services company and offered financial services assistance.
Unclear: Keith Ammon, Bedford, NH Information Only00:13:43.399 - 9:12:44 AM; Keith Ammon introduced himself as a returning member of the Commerce Committee, entering his third term there and fifth term in the house. He mentioned his interest in emerging technologies as a software developer.
Unclear: John Pusk, Rockingham 13 Information Only00:15:00.639 - 9:14:01 AM; John Pusk introduced himself as a representative from Derry, NH, serving his fourth or fifth term on the Commerce Committee. He has previously been Vice Chair and is excited to work with both new and returning members.
Unclear: Lisa Post, New Boston, Mont Vernon, and Lyndeborough, NH Information Only00:15:00.639 - 9:14:01 AM; Lisa Post introduced herself as the clerk and a representative from New Boston, Mont Vernon, and Lyndeborough, NH. She shared that this is her second term on the Commerce Committee, having previously served on the Recreation and Development Committee. She enjoys the committee's atmosphere and looks forward to working with everyone.
Unclear: Anita Burrows, Not specified Information Only00:15:00.639 - 9:14:01 AM; Anita Burrows introduced herself, noting her fourth term and third on the Commerce Committee. She praised the bipartisan nature of the committee, describing it as the best in the state house due to its collaborative and productive environment.
Unclear: Carrie Spear, Manchester Ward 3 Information Only00:16:48.319 - 9:15:49 AM; Carrie Spear, representing Manchester Ward 3, introduced herself with a background in Science and Technology. She expressed her decision to join the committee for her second term, emphasizing her loyalty to John, the committee chair, and her belief that this committee is the best one in the house, having experienced others through subbing and bill presentations.
Unclear: L. Walsh, Rockingham 15, Hampstead Information Only00:16:48.319 - 9:15:49 AM; L. Walsh from Rockingham 15, representing Hampstead, introduced themselves with a background in high-tech from companies like Wayne Labs and Hewlett Packard. They echoed sentiments about the committee being the best in the house and expressed gratitude for being allowed to serve again, looking forward to collaboration.
Unclear: Chris Melier, Carroll County District 2, Jackson Information Only00:16:48.319 - 9:15:49 AM; Chris Melier, representing Carroll County District 2 from Jackson, introduced himself, mentioning his background in financial services and real estate. He humorously noted his wife's first visit to the state house and looked forward to working with everyone.
Unclear: Julie Mil, Hillsborough 12, Merrimack Information Only00:16:48.319 - 9:15:49 AM; Julie Mil from Hillsborough 12, representing Merrimack, introduced herself as a medical underwriter and registered nurse working clinically at Beth Israel Lahey Health System. She expressed her priorities in healthcare transparency, pharmacy benefit clarity, and access to health, and was thankful to be part of the committee.
Unclear: Jared Sullivan, Grafton 2, Bethlehem Information Only00:16:48.319 - 9:15:49 AM; Jared Sullivan from Grafton 2, representing Bethlehem and Franconia, introduced himself, noting his second term. He echoed others' sentiments about the committee being the best, having experienced others, and looked forward to working with everyone.
Unclear: Santos Salvi, Nashua Ward 9 Information Only00:16:48.319 - 9:15:49 AM; Santos Salvi, representing Nashua Ward 9, introduced himself with a background in mathematics and finance, running a global IT company and involved in real estate. He highlighted his community work, including volunteering at a soup kitchen, and expressed his eagerness to contribute to the committee.
Unclear: John Hunt, Committee Chair Information Only00:16:48.319 - 9:15:49 AM; John Hunt, the committee chair, discussed the committee's structure, including subcommittees focused on banking and business, liquor commission and marijuana legislation, and insurance. He outlined the committee's policy on cell phones and the assignment of drawers for committee members. He also emphasized the committee's approach to public hearings, encouraging members to seek information rather than debate, and explained the process of bill consideration, including the role of subcommittees in refining bills before executive sessions.
Unclear: DJ Beton Cour, New Hampshire Insurance Commissioner Information Only00:27:15.159 - 9:26:16 AM; DJ Beton Cour, the New Hampshire Insurance Commissioner, introduced himself along with his team and provided an overview of the Insurance Department's mission and operations. He emphasized consumer protection, competitive insurance markets, and the department's regulatory role established in 1851. He also discussed the department's self-funded nature, the assessment of insurance companies, and efforts to manage costs and return unspent funds to the companies, aiming to benefit consumers through potentially lower premiums.
Unclear: Jason Dexter, Assistant Commissioner, New Hampshire Insurance Department Information Only00:27:15.159 - 9:26:16 AM; Jason Dexter, Assistant Commissioner, discussed the department's revenue and funding mechanisms, including premium taxes, licensing fees, and administrative fines. He explained the self-funded aspect of the department and the process of assessing insurance companies to fund the department's budget, which was around $13 million, with adjustments made based on spending.
Unclear: Keith Nyan, Deputy Commissioner, New Hampshire Insurance Department Information Only00:36:23.400 - 9:35:24 AM; Keith Nyan, Deputy Commissioner, spoke about the licensing of insurance entities and the role of the National Association of Insurance Commissioners (NAIC) in promoting uniformity in regulation across states. He discussed the department's involvement in licensing over 1,200 insurance companies and 245,000 producers and adjusters, and how the NAIC supports state insurance departments with model laws and financial regulatory standards.
Unclear: DJ Beton Cour, New Hampshire Insurance Commissioner Information Only00:36:23.400 - 9:35:24 AM; DJ Beton Cour continued his presentation by discussing the department's oversight of the financial health of insurance companies, including financial examinations and market conduct analysis. He explained the significance of the NAIC's accreditation program and its role in ensuring financial solvency across states. He also touched on the department's efforts in investigating and prosecuting insurance fraud, enforcement activities, and the annual workers' compensation premium rate hearings, highlighting a significant reduction in rates over the past 13 years.
Unclear: DJ Beton Cour, New Hampshire Insurance Commissioner Information Only00:45:44.839 - 9:44:45 AM; DJ Beton Cour further discussed the consumer division's role in handling consumer calls and complaints, noting a record amount of consumer restitution in the last fiscal year. He emphasized the importance of independent insurance agents and the department's role in providing expertise and support in data analysis and administration of the Affordable Care Act (ACA).
Unclear: Jason Dexter, Assistant Commissioner, New Hampshire Insurance Department Information Only00:47:40.200 - 9:46:41 AM; Jason Dexter briefly discussed the department's involvement in collecting premium taxes, enforcement penalties, and fees, emphasizing the collaborative work of the department's business units. He also noted the department's participation in the legislative process and its work with the NAIC.
Unclear: DJ Beton Cour, New Hampshire Insurance Commissioner Information Only00:47:40.200 - 9:46:41 AM; DJ Beton Cour concluded the presentation by discussing the department's role in providing insurance expertise to the legislature, including testimony and assistance with fiscal notes and drafting. He emphasized the department's commitment to nonpartisan and unbiased support, promising transparency in their positions on legislation. He introduced key department staff who would frequently interact with the committee on various insurance matters, including financial regulation, property and casualty, and life and health.
Unclear: Keith Nyan, Deputy Commissioner, New Hampshire Insurance Department Information Only00:47:40.200 - 9:46:41 AM; Keith Nyan provided further detail on the structure of the property and casualty and life and health units within the department. He outlined the roles of compliance teams, actuarial staff, legal support, and market conduct units in ensuring regulatory compliance and a competitive insurance market, as well as their role in addressing consumer complaints and claims processing.
Unclear: Keith Nyan, Deputy Commissioner, New Hampshire Insurance Department Information Only00:47:40.200 - 9:46:41 AM; Keith Nyan continued his discussion on the insurance market, focusing on the life and health sectors. He explained the concept of a 'hard market' in insurance, where demand is high but access is restricted, leading to higher costs. He highlighted the factors contributing to this situation, such as inflation, interest rates, and the increasing cost of technology in vehicles and homes. Nyan also discussed the impact of catastrophic weather events on insurance premiums and mentioned future legislative considerations to help homeowners cope with these issues. He emphasized the importance of consumers working with independent agents to shop for coverage and noted New Hampshire's competitive insurance market.
Unclear: Unnamed Speaker, New Hampshire Insurance Department Information Only00:54:18.200 - 9:53:19 AM; The speaker continued the discussion on the insurance industry, focusing on life and health insurance. They noted New Hampshire's success in maintaining the lowest average benchmark premium in the nation at $325, attributing this to the state's careful approach to regulatory burdens on insurers and its collaborative relationship with the industry. The speaker highlighted the competitive nature of New Hampshire's insurance market and mentioned recent market entrants, expressing pride in preserving and growing the market through collaborative efforts. They also discussed upcoming legislative initiatives related to licensing and fees, which aim to leverage technology for efficiency.
Unclear: Unnamed Speaker, New Hampshire Insurance Department Information Only01:03:19.039 - 10:02:20 AM; The speaker emphasized the pragmatic and common-sense regulatory approach of the New Hampshire Insurance Department, which has fostered a collaborative relationship with insurance companies. They noted that New Hampshire's small size in the national insurance market necessitates this approach to maintain business interest in the state. The speaker also addressed the importance of addressing consumer issues swiftly and effectively, mentioning the department's responsiveness to legislative and consumer inquiries.
Unclear: Unnamed Speaker, New Hampshire Insurance Department Information Only01:12:48.320 - 10:11:49 AM; The speaker discussed the ongoing issue of ground ambulance services and the lack of balance billing protections for consumers. They explained the current situation where commercial insurance rates for ambulance services are under review, and an actuarial study has been conducted. The study suggests that rates need to increase, especially in rural areas, but also indicated that the current business model for ambulance providers may not be sustainable without adjustments. The speaker expressed concerns about the potential impact of rate increases on consumer premiums and the need for a long-term solution.
Unclear: Unnamed Speaker, New Hampshire Insurance Department Information Only01:21:52.840 - 10:20:53 AM; The speaker addressed the ongoing contract negotiation between Anthem and St. Joseph Hospital in Nashua, emphasizing the department's limited but strategic involvement. They highlighted the timing of the dispute, which coincides with the end of the open enrollment period, causing concern for many residents. The department plans to facilitate a meeting with both parties to share resources and data that could help reach an agreement, aiming to alleviate public anxiety over potential out-of-network issues.
Unclear: Unnamed Speaker, New Hampshire Insurance Department Information Only01:28:13.920 - 10:27:14 AM; The speaker discussed the department's approach to handling consumer and business interests, emphasizing the interconnectedness of its units. They explained the process of market conduct exams, which are used to address issues identified through consumer complaints. The speaker stressed the department's focus on correcting behavior rather than being punitive, using fines and corrective action plans to ensure compliance. They also noted the department's commitment to customer service, highlighting quick responses to constituent issues as a benefit of being a small state.
Unclear: Amelia Galerian, New Hampshire Banking Department Information Only01:28:52.560 - 10:27:53 AM; Amelia Galerian, the Bank Commissioner for the State of New Hampshire, provided an overview of the Banking Department's operations and introduced her team, emphasizing their availability for legislative interactions. She highlighted the department's focus on consumer protection within the financial services sector, detailing the types of entities they regulate, including banks, credit unions, trust companies, and various consumer credit entities. She explained their regulatory methods, including examinations, off-site data monitoring, and consumer complaint investigations. The department's jurisdiction includes 45 state-chartered trust companies, 17 state-chartered banks, and over 7,000 licenses. She discussed the examination frequency and the collaborative efforts with federal counterparts for chartered entities. Enforcement actions aim to bring companies into compliance rather than being punitive, with details available on their updated website. The department's funding model, strategic plan, and upcoming initiatives, including budget development and data system modernization, were also mentioned. She concluded by emphasizing ongoing recruitment efforts and the importance of consumer education, offering to engage offline for further discussion on specific issues like mobile banking fraud.
Unclear: Unnamed Speaker, New Hampshire Banking Department Information Only01:37:04.600 - 10:36:05 AM; The speaker clarified that the Banking Department does not have jurisdiction over national banks, which are regulated by federal entities like the OCC, FDIC, or FRB. They mentioned forwarding consumer complaints about national banks to the OCC. The speaker also discussed the department's approach to mobile banking frauds, emphasizing consumer outreach and education as part of their strategic plan. They highlighted the importance of financial education, particularly during Financial Empowerment Month in April, and invited further discussion offline about specific issues and target audiences for education.
Unclear: Unnamed Speaker, New Hampshire Commerce Committee Information Only01:46:22.679 - 10:45:23 AM; The speaker discussed the historical context of consumer protection within the Commerce Committee, particularly how it relates to the banking and insurance departments. They recounted a significant issue around 20 years ago involving auto dealers and exemptions from the Consumer Protection Act, which led to legislative changes to empower commissioners to provide restitution to consumers. The speaker noted the differences in adopting consumer protection measures between the banking and insurance sectors, with banking being more straightforward. They also emphasized the importance of solvency in financial institutions, which is a key aspect of consumer protection, and mentioned upcoming discussions on the Consumer Protection Act.
Unclear: Gina Powers, Cooperative Credit Union Association Information Only01:46:22.679 - 10:45:23 AM; Gina Powers, representing the Cooperative Credit Union Association, introduced herself and mentioned an upcoming piece of legislation in the Senate concerning compensation for credit union board members. She highlighted that credit unions are nonprofits and their potential interest in enabling board member compensation.
Unclear: Ryan Hail, New Hampshire Bankers Association Information Only01:46:22.679 - 10:45:23 AM; Ryan Hail, representing the New Hampshire Bankers Association, introduced himself and discussed the association's 40 member banks, including state and out-of-state chartered banks. He mentioned their support for legislation in the Senate regarding state-chartered banks' lending abilities and new bank charters. Hail provided an overview of the banking industry's regulatory environment and priorities, offering himself as a resource for banking-related issues.
Unclear: Unnamed Speaker, New Hampshire Commerce Committee Information Only01:52:51.440 - 10:51:52 AM; The speaker reiterated the importance of consumer protection, particularly the aspect of restitution and the solvency of financial institutions. They highlighted New Hampshire's historical role in establishing insurance departments, emphasizing solvency as a critical consumer protection measure. The speaker also mentioned the state's supportive environment for new bank charters and the importance of ensuring new banks have the wherewithal to operate effectively.
Unclear: Marann Dempsey, Director of the Charitable Trust Unit, New Hampshire Department of Justice Information Only03:32:09.040 - 12:31:10 PM; Marann Dempsey, Director of the Charitable Trust Unit at the New Hampshire Department of Justice, provided a comprehensive overview of her unit's roles and responsibilities. She highlighted the unit's regulatory functions, noting that all nonprofits operating in New Hampshire must register with their office, and discussed the history and significance of the unit, which was the first dedicated attorney general unit for charitable trusts in the country. Dempsey also covered the educational aspect of their work, including resources and presentations aimed at board members and municipalities, and emphasized their enforcement role in investigating and acting on complaints related to charitable misconduct. She specifically mentioned their oversight of health care charitable trusts, including nonprofit hospitals and assisted living facilities, and their role in reviewing acquisitions, such as the recent case of Catholic Medical Center. Additionally, she touched on their involvement with charter schools, charitable gaming, and conservation easements, and their collaboration with other state agencies and involvement in litigation related to charitable trusts.
Unclear: Representative Melair Information Only03:42:16.399 - 12:41:17 PM; Representative Melair asked about the status of courses for trustees of trust funds, referencing the previous involvement of Terry Nolles. Dempsey clarified that while they are not currently conducting as many seminars, they are rebuilding their knowledge base and working with municipalities to provide presentations. She mentioned ongoing efforts by their financial investigator, Amy Nichols, to connect with library trustees and municipalities.
Unclear: Representative Bros Information Only03:42:16.399 - 12:41:17 PM; Representative Bros inquired about the jurisdiction of the Charitable Trust Unit over county nursing homes and situations involving financial mismanagement or nonprofits not following their bylaws. Dempsey explained that county nursing homes are not directly under their purview but can be involved if there are community impacts. She also stated that they handle complaints about nonprofits not following their bylaws through education and potential involvement in board governance.
Unclear: Representative H Information Only03:42:16.399 - 12:41:17 PM; Representative H asked about the implications of a for-profit business acquiring a nonprofit, particularly in the context of hospital acquisitions. Dempsey explained that while the nonprofit would no longer be under their direct purview post-acquisition, conditions could be set to ensure continued oversight for a period, and the assets of the nonprofit must be transferred to another nonprofit or governmental entity.
Unclear: Brandon Gad, Senior Assistant Attorney General and Chief of the Consumer Protection and Antitrust Bureau, New Hampshire Department of Justice Information Only03:48:36.199 - 12:47:37 PM; Brandon Gad, Senior Assistant Attorney General and Chief of the Consumer Protection and Antitrust Bureau, provided an overview of his bureau's functions, emphasizing their role in enforcing New Hampshire's Consumer Protection Act. He detailed their authority to investigate and prosecute unfair and deceptive acts or practices, including specific examples like false advertising and failure to deliver heating fuel. Gad also discussed their role in reviewing business mergers, particularly in the healthcare industry, to assess potential antitrust issues. He highlighted the bureau's elder abuse and financial exploitation unit, which handles criminal cases and supports local law enforcement. Additionally, he previewed the types of feedback he would provide during the legislative session, focusing on the implications of adding new regulations to the Consumer Protection Act and the enforceability of proposed legislation.
Unclear: Representative Spear Information Only03:56:28.279 - 12:55:29 PM; Representative Spear asked about the bureau's jurisdiction over out-of-state online businesses. Gad explained that jurisdiction depends on whether the business's actions impact trade or commerce in New Hampshire, using examples like cases against Meta and TikTok to illustrate how they determine jurisdiction.
Unclear: Unnamed Speaker Information Only04:04:22.800 - 1:03:23 PM; An unnamed speaker inquired whether the bureau's actions are solely reactive to consumer complaints or if they also proactively monitor for wrongdoing. Gad explained that they do both, utilizing a complaint process that often resolves issues directly with businesses, while also using complaints to identify patterns of misconduct and allocate investigative resources. He emphasized the importance of consumers filing complaints and outlined various ways they can do so, including anonymously.
Unclear: Representative Am Information Only04:04:22.800 - 1:03:23 PM; Representative Am asked about the connection between the new data privacy statute and the 2018 Constitutional Amendment on privacy rights. Gad clarified that while they share a similar intention to enhance privacy rights, the data privacy statute specifically addresses businesses' use of personal data for targeted advertising. He discussed the rights consumers have under this statute, such as knowing what data is collected, opting out of data use for advertising, and requesting data deletion. He also mentioned upcoming efforts to educate consumers on these rights and how to exercise them.
Unclear: Unknown Speaker Information Only04:12:04.479 - 1:11:05 PM; The speaker asked a question regarding the applicability of the expectation of privacy act to a private company collecting property tax data on behalf of the government. They mentioned the company Avatar, which is not a government agency but works for the government. The response indicated that there are exemptions under federal privacy statutes, and while the act would generally cover a company acting on behalf of a government as a data processor, the speaker was not 100% sure about all exemptions and their application in this specific scenario.
Unclear: Unknown Speaker Information Only04:13:41.119 - 1:12:42 PM; The speaker briefly mentioned the history of the Securities entity, noting that it was once a standalone entity and later integrated into the Secretary of State's office, crediting Senator Wayne King for the idea.
Unclear: Barry Glennon, Director of the New Hampshire Bureau of Securities Information Only04:14:52.760 - 1:13:53 PM; Barry Glennon introduced himself as the director of the New Hampshire Bureau of Securities and outlined the bureau's primary charges: to protect New Hampshire investors, enforce Securities laws, ensure fair Capital formation, and provide investor education. He detailed the bureau's operations through licensing, examinations, enforcement, and investor education. Glennon highlighted the significant number of broker-dealer Representatives and firms in New Hampshire due to the state being a wealth Center with an older population, making it a target for investment scams. He explained the roles of broker dealers and investment advisors, emphasizing the fiduciary duty of investment advisors and the bureau's licensing and audit functions. Additionally, he introduced the enforcement and pooled Risk Management functions, promising a more detailed discussion by Deputy Secretary Eric Forcier.
Unclear: Eric Forcier, Deputy Secretary Information Only04:23:20.760 - 1:22:21 PM; Eric Forcier discussed the enforcement activities of the Securities Bureau, emphasizing their importance and his long-term involvement. He described the enforcement mechanisms, including the authority to subpoena and file enforcement actions, and the broad definition of securities that includes even LLC membership sales. Forcier noted the bureau's work with licensed and unlicensed entities, and their collaboration with other state agencies such as the Insurance and Banking Departments, and the Consumer Protection Agency. He also mentioned working with criminal authorities, including the Department of Justice and the US attorney's office, and their involvement with federal agencies like the FBI and the Securities and Exchange Commission. Forcier touched on the bureau's participation in the North American Securities Administrators Association (NASA) and their relationship with the financial industry regulatory Authority (FINRA). He also explained the bureau's role in regulating pooled Risk Management Programs under RSA 5B, which involves political subdivisions pooling money for insurance purchases, and the bureau's responsibility to monitor and ensure compliance with these programs.
Unclear: Unknown Speaker Information Only04:30:47.560 - 1:29:48 PM; The speaker asked about the bureau's involvement with cryptocurrency frauds, to which Forcier responded by affirming their role in investor protection and Capital formation. He mentioned past cases related to cryptocurrency frauds and the bureau's collaboration with other states and federal agencies through NASA to handle such cases. Forcier noted the potential for future legislation regarding cryptocurrencies and their willingness to testify on related bills.
Unclear: Unknown Speaker Information Only04:30:47.560 - 1:29:48 PM; The speaker inquired about the bureau's handling of Robo advisers and artificial intelligence in Securities trading. Forcier clarified that there is always someone behind a Robo adviser, and the bureau holds them accountable. He highlighted concerns about adequate disclosure and the risks associated with algorithms. Additionally, he mentioned the bureau's concern with the use of artificial intelligence in investment decisions, ensuring that claims of AI support are genuine and not just hyperbole. Forcier also introduced investor education materials, funded by fines and penalties, aimed at various demographics including seniors, the middle market, and younger populations entering the workforce.
Unclear: Unknown Speaker Information Only04:39:08.400 - 1:38:09 PM; The speaker discussed the role of financial professionals, emphasizing that their job is geared towards recent college graduates and soon-to-be graduates. They highlighted the importance of making key financial decisions such as pensions, 401k investments, and health insurance. The speaker also mentioned that these resources are available in Spanish and expressed gratitude towards Representative Hunt for supporting functional regulation in New Hampshire over the years. The speaker announced their retirement at the end of the month.
Unclear: Joseph Mollica, Chairman of the New Hampshire Liquor Commission Information Only04:42:24.520 - 1:41:25 PM; Joseph Mollica, Chairman of the New Hampshire Liquor Commission, presented an updated primer for 2025, detailing the control jurisdictions in the US and the three-tier system which helps prevent the sale of tainted and counterfeit alcohol. He noted the impact of methanol in tainted alcohol globally and the importance of the control model. He also discussed competition from Total Wine in Massachusetts and Connecticut, the national decline in alcohol sales, and the rise in marijuana use and its impact on the alcohol market. He mentioned operational aspects like the organizational structure of the commission and the NextGen project aimed at updating their systems.
Unclear: Tina Deir, CFO of the New Hampshire Liquor Commission Information Only04:49:59.840 - 1:49:00 PM; Tina Deir provided a financial overview of the Liquor Commission, discussing the net profit history from 1935 to 2024 and the revenue trends. She highlighted the factors contributing to the reduction in profits in FY 24, including increased product costs and expenses related to salaries, benefits, and depreciation on the new system. She outlined the projected revenue transfers to the general fund and other funds as per the RSA's governing revenue transfers.
Unclear: Unknown Speaker from the Liquor Commission Information Only05:00:04.440 - 1:59:05 PM; The speaker continued the presentation, detailing the revenue breakdown into categories like beer tax, liquor and wine revenue, and other miscellaneous revenues. They provided a breakdown of FY 24 sales by customer types and spirits and wines, noting that retail sales make up the majority of their business. They also mentioned the top 15 outlets in 2024 and the agency sales through licensed stores in Greenville, Pittsburg, and Colebrook.
Unclear: Unknown Speaker from the Liquor Commission Information Only05:00:04.440 - 1:59:05 PM; The speaker discussed marketing and merchandising, highlighting the number of retail outlets, warehouse space, and the contract with DHL for distribution. They mentioned updates and relocations of outlets since 2012, the opening of new stores in Derry, Nashua, and Keene, and the ongoing redevelopment program. They also discussed marketing goals, website traffic, in-store pickup, and social media engagement, emphasizing the importance of competitive pricing due to cross-border sales.
Unclear: Chief of the Liquor Commission Information Only05:00:04.440 - 1:59:05 PM; The Chief of the Liquor Commission discussed the mission and vision statement, focusing on education as the foundation of their work. They highlighted their full-time sworn jurisdiction status and their CIA accreditation, noting their pride in achieving this. The Chief outlined their three-prong approach of enforcement, licensing, and education, emphasizing their partnership with licensees and their role in regulating the three-tier system and tobacco products.
Unclear: Chief of the Liquor Commission Information Only05:00:04.440 - 1:59:05 PM; The Chief of the Liquor Commission continued discussing the successes and challenges faced by liquor businesses without revealing confidential information. They highlighted staffing levels from 2009 to 2025, noting a reduction in sworn positions from 26 to 21, yet an increase in licenses by almost 2000. The ratio of licenses to investigators is about 414 to 1, with responsibilities including nightly operations and support from 11 part-time staff from various large municipalities such as Manchester, Concord, and Nashua. The Chief also reviewed the different types of liquor licenses and the revenue collected in fiscal year 2024, which included taxes, fees, fines, and miscellaneous income.
Unclear: Unnamed Speaker Information Only05:16:14.958 - 2:15:15 PM; An unnamed speaker, possibly a member of the Liquor Commission, responded to a query about direct shipping revenue, noting New Hampshire's status as one of the 13 control states allowing wine shipping and one of eight allowing spirits shipping. They praised the enforcement division for maintaining a low shrinkage rate of less than half a percent, emphasizing the importance of customer safety and proactive law enforcement presence in stores. The speaker also discussed various educational efforts, including the 'Fatal Choice' program aimed at educating the vulnerable age group about the dangers of alcohol, and mentioned the use of a mobile outreach unit for public education.
Unclear: Unnamed Speaker Information Only05:26:47.000 - 2:25:48 PM; The speaker continued discussing educational initiatives, mentioning programs like 'Buyers Beware,' alcohol awareness posters in grammar schools, and presentations at high schools. They highlighted the manager training seminar (MTS) required by statute for managers, the Grocer's Education Training Seminar for store clerks, and the TEAM training related to a bill from the previous year. The speaker also mentioned training for their own employees on identifying false IDs and fraud rings, and noted the extensive training and outreach efforts in 2024, including 59 public awareness events reaching an estimated 135,000 people.
Unclear: Unnamed Speaker Information Only05:28:20.680 - 2:27:21 PM; The speaker concluded by mentioning the use of a themed car in parades, including the Concord Christmas parade, to spread their message and highlighted the work of their mascots, Investigator and Alligator. They then opened the floor for questions from the committee.
Unclear: Committee Member Information Only05:28:53.878 - 2:27:54 PM; A committee member asked about the future direction of the Liquor Commission, considering its profitability and the ongoing research on alcohol and tobacco. The response emphasized the Commission's role in protecting the business and public safety, without taking a public health stance, and expressed hope for continued profitability. Another committee member, representing constituents from Hampstead, expressed concern over the closure of a local liquor store and its relocation to a location near another store in Salem. The speaker promised to look into the sales figures and explained the decision-making process based on traffic counts and retail presence.
Unclear: Representative from Nashua Information Only05:33:45.558 - 2:32:46 PM; The representative from Nashua inquired about the statistics on underage drinking over the past three to four years, seeking to understand whether the rates have increased or decreased. They were informed that nationally, underage drinking has trended downward, but efforts to prevent it continue to be robust in high schools. The speaker also asked about the relocation of liquor outlets in Nashua, confirming there are now three outlets due to the relocation of one from the back to the front of a mall.
Unclear: Liquor Sales Representative Information Only05:35:54.878 - 2:34:55 PM; The liquor sales representative explained that underage drinking has decreased nationally but emphasized the ongoing efforts in high schools to prevent it. They detailed the relocation of a liquor outlet in Nashua from the back of a mall to a more prominent location previously occupied by Pier One Imports. Additionally, they discussed the business model, highlighting that half of their sales come from cross-border consumers due to no sales tax and competition from stores like Total Wine in Massachusetts.
Unclear: Representative Information Only05:35:54.878 - 2:34:55 PM; A representative asked about the lottery system for limited release spirits, expressing curiosity about its operation and revenue. The liquor sales representative explained that the system involves two lotteries a year for both licensees and private consumers, with significant alcohol distribution and positive consumer feedback. They noted the system's fairness in preventing black market sales.
Unclear: Representative from Nashua Information Only05:35:54.878 - 2:34:55 PM; The representative from Nashua discussed the need for educational efforts on overdrinking among adults, referencing a previous video campaign aimed at preventing overdrinking. They suggested expanding such initiatives given the high number of DUIs and accidents involving older individuals. The liquor sales representative mentioned an ongoing video campaign in stores addressing this issue and promised to provide statistics on its impact.
Unclear: Jody Gmis, Lobbyist from Concord Information Only05:45:00.200 - 2:44:01 PM; Jody Gmis introduced themselves and their lobbying firm in Concord, mentioning colleagues Adam Schmidt and Heidi Croll. They outlined the firm's involvement with various issues such as business groups, trade organizations, pharmacy, real estate, and cannabis, offering their services as a resource to the committee.
Unclear: Heidi Croll, Lobbyist Information Only05:45:00.200 - 2:44:01 PM; Heidi Croll, newly associated with Jody Gmis's firm, expressed enthusiasm about working with the committee. She provided contact information for the firm and emphasized their readiness to assist with any issues related to their clients.
Unclear: Curtis, Representative from an Insurance Company Information Only05:48:19.920 - 2:47:20 PM; Curtis introduced himself, representing an insurance company that deals with auto insurance. He mentioned their affiliation with a large insurance company but did not specify further details due to the informal setting of the introduction.
Unclear: Beth, Representative from an Insurance Company Information Only05:50:07.000 - 2:49:08 PM; Beth briefly introduced herself, indicating her involvement with auto insurance but did not elaborate further on her role or the company's activities.
Unclear: Bruce, Karen, and Lara McIntyre, Representatives from Various Associations Information Only05:50:52.760 - 2:49:53 PM; Bruce, Karen, and Lara McIntyre introduced themselves, representing the dining and restaurant associations. They mentioned occasional involvement with bills related to the International Director Association and convenience stores, noting recent changes in their representation due to the passing of Jim Robertson.
Unclear: Tom Praw, Managing Director at Praw and Thomas Information Only05:52:13.558 - 2:51:14 PM; Tom Praw introduced himself and his team, including Jim, the president, and Jonathan Milans. They represent a diverse group of clients, including those from the liquor, banking, mortgage, retail, and tobacco industries. He highlighted their wide range of clients such as Bank of America, Walmart, and R.J. Reynolds American.
Unclear: BR Parson, R Pelli Information Only05:53:33.600 - 2:52:34 PM; BR Parson mentioned that they represent the Grocers and a variety of other clients including Fidelity, Amazon, Theraputics, and Dartmouth College. They also represent Anthem Insurance and Depart Insurance, and promised to send a list of their clients after the session.
Unclear: Dan Bennett, President of the Association Information Only05:54:56.040 - 2:53:57 PM; Dan Bennett introduced himself as the president of a trade group representing the motor vehicle industry, including car, truck, motorcycle, construction, and farm equipment dealers. He emphasized their involvement in self-funded compensation insurance and their focus on safe roads, consumer protection, and a fair regulatory environment. They work closely with the banking and insurance departments.
Unclear: Unidentified Speaker Information Only05:56:40.840 - 2:55:41 PM; The speaker mentioned Jackson and his mother, who was recently elected as a Senator and will be on the Senate Commerce Committee. They discussed the scheduling of hearings for the following week, noting that there are currently six bills in the committee, and they are aiming to hold hearings on the next Tuesday or Wednesday depending on room availability.

Hunt, John(Chairman)(R)[B+]2024	Post, Lisa(Clerk)(R)[A]2024	Potucek, John(V Chairman)(R)[A]2024
Salvi, Santosh(D)	Chourasia, Manoj(D)	Ammon, Keith(R)[A+]2024
Herbert, Christopher(D)[F]2024	Osborne, Jason(R)[A]2024	Cole, Brian(R)[B-]2024
Walsh, Lilli(R)[B]2024	Porcelli, Susan(R)[A-]2024	Spier, Carry(D)[CT]2024
Burroughs, Anita(D)[CT]2024	Gibbs, Merryl(D)[CT]2024	McAleer, Chris(D)[CT]2024
Sullivan, Jared(D)[D+]2024	Miles, Julie(R)	Presa, Adam(R)