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House Finance

Thursday, February 19, 2026·4h 20m·▶ Watch / Listen

The House Finance Committee advanced two substantive bills: HB 26-1115, reinstating the 911/988 surcharge on prepaid wireless plans, passed 10-1 with little controversy; and HB 26-1046, creating a regulatory framework for earned wage access services, passed a deeply divided committee 6-5 and was referred to Appropriations amid fierce debate over whether the bill protects or exposes low-income consumers.

Key Actions

·HB 26-1115 – 911/988 Surcharge on Prepaid WirelessPassed

+ 2 more actions

Controversies

Whether HB 26-1046 weakens consumer protections compared to the prior session's bill and existing law

Andrea Kuick (Bell Policy Center) argued the current bill is 'an industry bill with minimal consumer protections' and that last session's version coming into House Finance had defined employer-integrated products as consumer credit transactions with per-transaction costs capped at $3.50 and direct-to-consumer providers under a 36% rate cap. Representative Camacho pushed back, stating the prior conceptual agreement was never finalized because the stakeholding process took the bill 'so far away from the intent of helping as many working people as we could.' Martha Fulford (AG's office) stated the bill as introduced would limit the AG's ability to apply lending cap provisions, while Majority Leader Duran argued that without the bill 'there are no clear disclosures, no standardized consumer protections, no framework specific to this product.'

+ 3 more controversies

Notable Quotes

“The General assembly has always intended that all wireless users contribute to 911 and 988. The statute referenced units and the marketplace shifted to unlimited. In short, the phone plans evolved and the statute has not.”

Kimberly Culp, Chair, Colorado Council of 911 Authorities — Explaining why HB 26-1115 is needed after a June 2025 DOR ruling exempted unlimited prepaid wireless plans from the 911/988 surcharge, creating a projected $17 million funding gap.

+ 3 more quotes

Votes

HB 26-1115, as amended, to the Committee of the Whole with favorable recommendationPassed
Yes (10)Jarvis Caldwell, Sean Camacho, Lorena Garcia, Ryan Gonzalez, Anthony Hartsook, Bob Marshall, Rebekah Stewart, Yara Zokaie, Brianna Titone, Steven Woodrow
No (1)Max Brooks
L007 as amended (gifts, grants and donations / three-year sunset amendment to HB 26-1046)Passed
Yes (6)Brooks, Caldwell, Camacho, Gonzalez, Hartsook, Stewart
No (4)Marshall, Zokaie, Titone, Mr. Chair
HB 26-1046, as amended, to the Committee on AppropriationsPassed
Yes (6)Max Brooks, Jarvis Caldwell, Sean Camacho, Ryan Gonzalez, Anthony Hartsook, Rebekah Stewart
No (5)Lorena Garcia, Bob Marshall, Yara Zokaie, Brianna Titone, Steven Woodrow
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TranscriptPreview
The committee will come to order. Ms. Culver, please call the roll. Representative Brooks. President Caldwell. Excused. Camacho. Excused. Garcia. Gonzalez. Excused. Artsuk. Here. Marshall. Here. Stuart. Here. Zokay. Here. Tone. Here. And Mr. Chair. Here. We have a quorum. Good to see everyone. We're going to go a little bit out of order due to scheduling. The minority leader is here for the record and Representative Gonzalez is also here for the record. We are going to go a little bit out of order and here House Bill 1115 first Representatives Stewart and Mr. Speaker pro tem Basenecker, who would like to go first? Representative Stewart, tell us about 11:15. Thank you Mr. Chair. Thank you committee members. Very excited to be here today with Speaker Pro Tem to present this bill. First and foremost, you all need to know that 62 out of 64 counties in Colorado are mental health deserts. So I feel this bill is pretty important and working to help address that. In short, this bill reinstates the existing 911 surcharge on prepaid cell phone plans to fund 911 and 988 emergency service systems. Historically, all wireless phones, including prepaid wireless service were subject to…
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