Gov. Josh Shapiro (D-PA) unveiled a new hotline and website to improve consumer protection efforts.
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00:00Good. Well, good afternoon, everyone. It is good to be here in the insurance department just a few floors away from where I used to work. So it's good to be back in Strawberry Square. It's wonderful to be here with our commissioner, Commissioner Humphreys. So thank you for your leadership every day. It's good to be in your home here. And it's been wonderful to see so many of the people that work for us here in the insurance department. We're grateful for your leadership.
00:27And we are grateful to have Secretary Spiker here from Department of Banking and Securities. Thank you very much for your leadership and for your collaboration here today. I think it is important to note in our administration, our secretaries, our teams, we all work closely together. And we try and remove those silos and stovepipes that oftentimes stymie progress in government. We get people working together. And the partnership we've seen between the commissioner and the secretary have led us to this important analysis.
00:57announcement we're going to make today. I want to acknowledge representative Nate Davidson, who is with us. Thank you, as always, for being here. While I know you didn't have to travel many miles, we really do appreciate your engagement on so many issues, including this and know how much you care about consumers. So thank you very much, rep. Appreciate you. Jonathan Smith from the Department of Banking and Securities. Debbie Friedman, an old friend from Community Legal Services. Thank you for being here.
01:23Tom Lynch. Tom Lynch, the president of the Mortgage Bankers Association of Eastern Pennsylvania, folks you will hear from in just a few moments. I want to thank them for their partnership in this important announcement.
01:35The teams here at the Insurance Department and, of course, at the Department of Banking work hard every single day to serve Pennsylvanians and to protect them from fraud and scams in a whole host of areas.
01:50Unfortunately, there are too many dishonest people out there in this world who want to make a buck off of scamming the good people of Pennsylvania, folks who try to scam our grandmoms and grandpops out of their hard-earned money or take advantage of a young student trying to pay for a higher education or deny a sick Pennsylvania in the health care coverage that they are owed that they paid for.
02:15It is absolutely not okay. And my administration and the leadership of the commissioner and the secretary are stepping up our work to protect Pennsylvanians from scammers and predatory lenders and bad actors.
02:28Look, I think those of you who know me know I have always been focused on this kind of work to combat scams, whether as a state lawmaker or as the attorney general, it's always been a priority of mine.
02:40When I took the oath of office to serve as your attorney general back in 2017, I then launched a dedicated consumer financial protection bureau to protect our seniors and our students, families and military service members from folks who tried to rip them off and take advantage of them.
02:59We took on predatory student lenders, including Navient, one of the largest student loan servicers for abusive, disruptive, deceptive and unfair practices that harmed Pennsylvania students.
03:13We delivered $1.85 billion in relief to Pennsylvania borrowers as a result of that work.
03:20We held mortgage lenders like Trident Mortgage Company accountable for redlining in the city of Philadelphia and secured $20 million in subsidies for new homeowners in majority minority neighborhoods.
03:33And we worked with national retailers like Target and Best Buy and Walmart to protect consumers from credit card scams that so oftentimes target families over the holiday season.
03:44I know that the office of attorney general is continuing that important work under General Sunday and I appreciate their good and important and necessary work and our state agencies will continue to work alongside them to protect Pennsylvanians.
04:01We are very fortunate that here in Pennsylvania, we have some of the strongest consumer protection laws in the entire country.
04:09That's a really good thing because it means that in addition to the AG's work on consumer protection, agencies like the insurance department and the Department of Banking and Securities also have the power to stand up for consumers when they get ripped off or screwed over.
04:27Under Secretary Spiker and Commissioner Humphrey's leadership, they've already been doing this work.
04:33Consider the following fact, in 2024 alone, Dobbs and PID returned over $22 million that had been denied in coverage, overcharged for services or otherwise scammed out of a Pennsylvanian's hard-earned paycheck.
04:50But at the time, at this time, where the federal government is standing down on protecting folks from scammers,
04:57basically shuttering the Federal Consumer Financial Protection Bureau, all of us at the state level have a responsibility to step up our game and do more to protect Pennsylvanians.
05:11In fact, just recently, the acting director of the federal CFPB literally told his agency to, quote, not perform any work tasks.
05:22That is the word of the person leading the CFPB in Washington.
05:26And so it's up to us, right here in Pennsylvania, to protect Pennsylvanians.
05:32And that's exactly what my administration is doing.
05:35So today, I'm here at PID to announce that my administration is launching a new hotline and website for consumer complaints right here in Pennsylvania.
05:45So if you're dealing with a denied health insurance claim or problems with a bank or mortgage company or a payday lender,
05:53or you've got trouble with your student loan or you're concerned someone is trying to take advantage of you or some other Pennsylvanian,
06:02you now have one phone number to call, one email to message, and one website to visit to file a complaint.
06:09And in addition to that, you've got a dedicated group of people, some of whom are behind me here today,
06:15who have been beefed up and ready to do more of this work for our fellow Pennsylvanians.
06:22Starting today, you can go online at pa.gov slash consumer or email us at consumer at pa, consumer at pa.gov.
06:32And just tell us what's going on in plain English.
06:35There's no difficult forms to fill out.
06:38You tell us what the problem is and we'll get on it right away.
06:41Or you can make a phone call and reach one of these wonderful people behind me by calling 1-866-PA-COMPLANT.
06:51They will then get on it right away, 866-722-6675.
06:57They will get on it right away and the employees here at PID and also at Dobbs will be able to make sure your complaint is heard in real time and acted upon immediately.
07:09We want to take the guesswork out of getting help.
07:13We want there to be no wrong door to access support here in the Commonwealth of Pennsylvania.
07:19Look, Pennsylvanians work really hard.
07:22I see them working hard every single day in their communities, in their towns, on their farms, in their office buildings.
07:30And they deserve a government that works just as hard for them, protecting them from scammers, protecting them from people who would do them harm.
07:38And so my administration, despite the fact that Washington is walking away from its responsibility, my administration will continue to stand up against the scammers and for our fellow Pennsylvanians.
07:53We will hold them accountable.
07:54We'll do everything in our power to get people their money back.
07:59And I want Pennsylvanians to know I'm going to continue to have your back.
08:03We're going to make sure that this work goes forward with the wonderful leadership of Secretary Spiker and Commissioner Humphreys,
08:10who have dedicated the personnel in their offices to making this outstanding effort and putting this energy forward to protecting our fellow Pennsylvanians.
08:21And so with that, it is my pleasure to invite up the Secretary of the Department of Banking and Securities, Secretary Wendy Spiker.
08:29Thank you, Governor Shapiro.
08:38Good afternoon, everyone.
08:40We are so glad to be part of this new rollout and stepping up for Pennsylvanians when they need it the most.
08:48Of course, this work is not new to us.
08:51We have been committed to protecting consumers for decades.
08:55As Secretary of Banking and Securities, I want consumers and Pennsylvania residents to know that we have over a dozen financial services laws that protect you every day.
09:09One of those laws that we enforce is the state's usury law.
09:14That law caps interest rates for small consumer loans under certain situations at 6%.
09:25So why is that important?
09:28Think about payday lending and payday loans.
09:32Those loans often carry 6% or, excuse me, 200% or more and often keep people in a cycle of debt.
09:42Most of the, excuse me, I apologize, having such strong advisory or super, excuse me, having such strong state usury laws have effectively eradicated payday lending in the payday lending in Pennsylvania.
10:01Here's another example of how our state laws protect consumers.
10:06We had a company in Pennsylvania who issued money orders who really didn't have the money to back them up, effectively making those money orders worthless.
10:17We at the department, we immediately revoked their license.
10:21We filed claims for 1,000 victims and we returned $300,000 to those victims.
10:28We also worked with the companies that received those worthless money orders to make sure that the victims didn't receive any overdrafts or any late fees.
10:40We want consumers to know that we have strong state laws that protect you.
10:46And more importantly, we are vigilant at enforcing those laws.
10:51Every week, the department receives approximately 200 calls and complaints from consumers.
10:57They mostly are reporting about frauds and scams.
11:02Our agency has a nationally recognized team that travels all across the Commonwealth, teaching and educating folks how to spot and how to avoid scams.
11:13Last year, we held 279 events and we reached 35,000 Pennsylvanians.
11:19We strongly believe that prevention and enforcement go hand-in-hand in protecting Pennsylvania consumers and their hard-earned money.
11:30With the governor's rollout of the new hotline and website, it's going to make it easier for consumers to get to folks in our office, great folks like Jonathan,
11:40who are here to help and take that complaint and help get it resolved.
11:46John is a consumer services specialist at the Department of Banking and Securities.
11:52He is an Iraqi war veteran and he has served the public in various capacities throughout federal government and state government.
12:01He has been with us for approximately four years, and he takes your complaints day in and day out, and he's helping consumers.
12:10So I would like to introduce John.
12:22I'm truly honored to be here today to talk about the important work we do to assist consumers at the Department of Banking and Securities.
12:28Most inquiries that come into our consumer services office are regarding issues with checking and savings accounts,
12:36online and mobile banking, money transmission services, mortgages, and sadly, scams.
12:41While we are unable to provide individualized financial recommendations or advice,
12:46we do provide free help to anyone with a question, concern, or complaint about a Pennsylvania financial entity or professional.
12:53We assist consumers by determining the correct regulator to address their concerns,
12:59whether it is our office, a different commonwealth agency, a regulator from a different state, law enforcement, or a federal entity.
13:07We've been able to facilitate many beneficial outcomes, such as a recent case involving the forgiveness of a significant discrepancy
13:14in mortgage servicing that nearly caused one of our residents to lose their family home.
13:19There are many other consumer-related topics that we help with on a daily basis.
13:23But please know that we are always here if and when you ever need us.
13:28Now I'll turn it over to Insurance Commissioner Michael Humphries.
13:31Thank you, Jonathan, and thank you, Governor Shapiro, for your leadership in connecting Pennsylvanians to our agency
13:44and to the help that they need on insurance issues.
13:47From investigating complaints to enforcing fair practices, PID's nearly 300 employees work hard every day
13:55to protect Pennsylvania's insurance consumers.
13:57Today, I want to briefly highlight the important role we play in protecting Pennsylvanians
14:02and then ask my Deputy Commissioner, Dave Buono, to share a few recent stories of our efforts demonstrating consumer assistance.
14:11PID regulates the insurance industry in Pennsylvania.
14:14We regulate health insurance, auto insurance, homeowners insurance, pet insurance, and more
14:19to make sure Pennsylvanians are treated fairly.
14:22We also mediate consumer complaints,
14:24serving Pennsylvanians by directly engaging their insurance companies on their behalf.
14:30Not often do you hear someone say
14:32they want more complaints,
14:34but at PID, we really do.
14:36It helps us understand what's happening
14:38in our marketplaces and the Pennsylvanians every day.
14:41PID's Office of Market Regulation
14:43examines and investigates licensees
14:46and handles consumer complaints.
14:48The Department addressed almost 17,000 consumer complaints in 2024,
14:53which was up from 14,000 complaints the year prior.
15:00In general, we see the greatest numbers of complaints in the auto, health, and homeowner sectors,
15:05and the complaints may address rate increases or delayed or denied claims,
15:12policy cancellations and non-renewals,
15:14and pretty much everything in between.
15:15The year-over-year increase in complaints
15:18doesn't mean that insurers are violating the law
15:21any more than in prior years,
15:23but rather represents a great stride
15:25towards more Pennsylvanians knowing that we exist
15:29and that we're here to help.
15:31Under the Shapiro administration,
15:33we've built out our outreach efforts and teams
15:36to meet Pennsylvanians where they live.
15:38And we're out in your communities,
15:40and it's producing results.
15:41The Department's efforts resulted in $22 million going back to consumers in 2024.
15:49We're on pace to meet or exceed our complaint volume from 2024,
15:53and we continue to build out our public engagement efforts and events.
15:58We want you to know that if you're having questions or issues with your insurance company or agent,
16:05or simply have a question about coverage,
16:08you can visit pa.gov forward slash consumer,
16:13or you can call 1-88-PA-COMPLANT.
16:17Pennsylvanians will be able to file their complaints with PID with ease,
16:21and submitting a complaint will allow us to step in to help protect your rights,
16:26clarify policies for you,
16:28or even resolve disputes with your insurer on your behalf.
16:33PID is here to help.
16:35I'd like to next turn it over to Deputy Commissioner Dave Wonow
16:38to provide a few examples of our recent efforts to help Pennsylvanians.
16:43So, Dave, come on up.
16:51Commissioner Humphreys.
16:52And thank you, Governor Shapiro, for connecting Pennsylvanians to us.
16:57There are many people out there that may need help with their insurance company,
17:01but have no idea where to go or who to talk to.
17:06I have the privilege of being part of a team that truly gets stuff done for Pennsylvanians.
17:12As Commissioner Humphreys mentioned,
17:13our team specializes in helping people around the Commonwealth,
17:16people like a gentleman in Philadelphia,
17:18whose truck was struck while it was parked.
17:22He filed a complaint with the PID after learning the insurance company would not be paying all of his damages.
17:28Our team reviewed the matter,
17:30contacted the insurance company,
17:32which led to the insurance company issuing a payment over $26,000 to take care of the total loss and the rental expenses.
17:39Or we had a Pennsylvania in Avoca who filed a complaint with us because an insurance company delayed their payout of a death benefit for a life insurance policy.
17:49Because our team reviewed the complaint,
17:51contacted the insurance company,
17:53we were able to help the person received almost $500,000 in benefits.
17:57or when we recently visited the Brethren Village after the recent plane incident and helped members of the Lancaster community understand their insurance policies
18:07and how to work through the claims process.
18:10These are just some of the many ways we help Pennsylvanians every day.
18:16I, too, want to remind you that if you have questions or issues with your insurance policy or coverage,
18:22the PID is here to help.
18:24By visiting PA.gov forward slash consumer or calling 1-866-PA-COMPLANT,
18:31the PID Consumer Services team will be able to help you through your insurance questions or issues.
18:36Thank you all.
18:37And I will now turn it over to Debbie Friedman from the Community Legal Services of Philadelphia.
18:42Thank you, Governor Shapiro, for your leadership in protecting Pennsylvania consumers.
18:55Every day, clients come to community legal services when they have been victims of scammers and fraudsters,
19:02losing hundreds or even thousands of dollars.
19:06CLS regularly represents consumers, including homeowners,
19:11who have disputes with unscrupulous mortgage servicers, debt collectors,
19:17debt consolidators, auto insurance companies, and other financial servicers.
19:23These scams put our clients at risk of homelessness and cause them to lose access to basic necessities
19:30like food and medicine.
19:32That is why it is so important to have regulatory agencies like the ones we have heard from today
19:39today to help resolve these issues and to help victims recover what they have lost.
19:45We are excited to continue our partnership with the Departments of Banking and Securities
19:51and Insurance and to refer more clients to these important agencies for help.
19:57State regulatory agencies now more than ever play a critical role in keeping the marketplace fair,
20:05which reduces fraud and rewards honest actors who are playing by the rules, making things fairer for everyone.
20:14And with that, I am pleased to introduce Tom Lynch of the Mortgage Bankers Association.
20:18Good afternoon.
20:27Thanks for having me here.
20:29Today, I am representing the Pennsylvania Mortgage Bankers Association.
20:33The MBA is a trade organization comprised of mortgage bankers, mortgage brokers, banks, credit unions,
20:40and affiliated industry service providers.
20:42We as an industry are dedicated to the preservation and improvement of mortgage banking industry
20:49through proactive relations with federal and state legislators, industry regulatory agencies,
20:57and other housing trade organizations.
21:01I am honored to be here today with Governor Shapiro, Pennsylvania Department of Banking and Securities,
21:06Pennsylvania Insurance Department, and our elected officials to ensure that Pennsylvanians get the service
21:13as well as the consumer protections that they deserve throughout the entire mortgage process.
21:21Consumer protection is a top priority.
21:23I am really glad to see that the Governor is stepping up for Pennsylvanians to ensure they have a new website
21:29and hotline, kind of a one-stop shop of resources to help solve their issue.
21:35Enforcement, coupled with compliance, help to maintain a level playing field.
21:41And more importantly, the Department of Banking and Securities, their licensing and supervision requirements,
21:48help to keep the bad actors out of our industry.
21:53Today's announcement will absolutely help Pennsylvanians more easily navigate what can often be a complicated and stressful process.
22:00And for those of us that work in the industry, please know that we are consumers as well.
22:07We all want to be informed, treated fairly, and make sound financial decisions.
22:14The mortgage industry is here to provide consumers with the tools and experience you need
22:19for a better and more financially secure future through the opportunity to achieve
22:25that great American dream of home ownership.
22:28I'll turn it back over to the Governor.
22:33I'll take some questions from the media.
22:36Before I do, you know, I feel privileged every day to serve alongside 80,000
22:43other dedicated people who really care about serving the good people of Pennsylvania.
22:49Sometimes it's, as we're doing here today with Dobbs and PID, stopping a scam from hitting a Pennsylvanian.
22:56Sometimes it's making sure that child who has autism gets services that they need.
23:01Sometimes it's making sure the license plate gets delivered.
23:05Whatever the case may be, I feel really privileged to work with 80,000 state employees here in Pennsylvania,
23:12many of whom are here in Harrisburg.
23:14A lot are spread out across this great commonwealth.
23:18I know this is a time where public workers, public employees are getting attacked at all different
23:23levels.
23:24I want you to know I respect the work you do.
23:26I appreciate the work you do.
23:28And today is an example of that, that we're betting on you to do even more of that work
23:33to protect our fellow Pennsylvanians.
23:35So I want to say thank you.
23:36Typically, the secretaries are the ones recognized.
23:39I want you all to know just how appreciated you are.
23:42And as for the secretaries, let me again thank Secretary Spiker and thank Commissioner Humphries.
23:48I hope you all are taking note that Commissioner Humphries is getting a leg up on the 2026 farm
23:54show mullet contest there.
23:55He's looking really good.
23:57It's growing in well.
23:59But in all sincerity, I just want the folks here to know how much we appreciate you and all of our
24:04state employees who are watching to know that you're appreciated and respected.
24:08And with that, if there's any questions from the media, I'm happy to answer them.
24:12Dennis?
24:12Governor, just so I'm clear, is this, these employees already existed?
24:17You're just kind of letting people know what happened and the website and the phone number,
24:20trying to kind of let people know that these folks are here to help, but they were already here?
24:25Yes.
24:25These are employees who already worked for PID and for Dobbs.
24:29And there are employees who already were doing consumer protection work.
24:33And there are others as well.
24:35I referenced the Attorney General's Office.
24:36They do outstanding consumer protection work as well.
24:39We have a state representative here who I know gets calls from consumers and is able to send them
24:45to our agencies or the AG's office or wherever it belongs.
24:49I think what's different now are a couple things.
24:51One, we've seen an abandonment of this work by the federal government.
24:55They're no longer doing it, so more burden is going to be on the states to do it.
25:00And what we've also done is organized our resources better between our different agencies.
25:05They're working really effectively together now.
25:08And we have a one-stop shop with the calls, with the website, with the email for citizens
25:13to be able to get help.
25:15There should be no wrong door.
25:16It should be clear access.
25:18And you should get a helpful person on the phone or on the other end of that email to help you out.
25:23And that's what this is all about.
25:25You were in the Attorney General's Office, so you're familiar with the Consumer Advocate.
25:28Is this push a thought on your part that maybe our Consumer Advocate isn't doing it?
25:33Can you explain how they're different?
25:34No, not at all.
25:35And don't read anything into that, Dennis.
25:36I think what I said earlier is really important.
25:39Pennsylvania has some of the strongest consumer protection laws in the entire country.
25:45Consumer protection laws that rest at times with the AG's office, at times with agencies.
25:51And we are taking advantage of this moment where the federal government is walking away
25:55from protecting consumers.
25:57We're going to step up and do our part.
25:59And we're all going to work together effectively to make that happen.
26:02Governor, related to what Dennis just asked, if the CFPB is basically, the federal CFPB is
26:13not doing this work, shifting workload onto the state, do you believe that these agencies,
26:18your agencies, have the capacity to take on this work?
26:20Do you foresee needing to bring on any additional personnel if you have to shoulder a massive amount
26:25of the federal workload?
26:26I believe we have the capacity right now, though the Secretary and the Commissioner
26:31are going to let us know as time goes on here, with the CFPB no longer really performing that
26:37function, whether they need additional assistance.
26:40I think this is a pretty bipartisan thing.
26:42I'm sure lawmakers would step up to support that if needed.
26:45But right now, I'm not asking for any additional budget support for them beyond what I proposed in
26:51in my budget address in February for their operations.
26:55Governor, that was essentially my question, but as a follow-up.
26:59What legal limitations will the state have that the CFP didn't have?
27:04The CFPB didn't have a lot of people.
27:06They hear a federal agency, and then can the state do the same thing?
27:10What legal limitations will there be?
27:12Yeah, well, and I know you didn't intend it this way, but just the way you asked the question,
27:16when you mentioned the federal and the state, your hand kind of did that.
27:20It doesn't really work that way.
27:22We're each sovereign, and we each have laws that govern our work.
27:25And so I would view it more on a parallel structure.
27:29Look, my hope would be that CFPB would do this work.
27:32They're not.
27:32And so the laws of the Commonwealth of Pennsylvania are ample,
27:35actually more than ample for us to be able to do this work.
27:38And so what it means is a focus from the team that works here in these two agencies,
27:44a focus from community legal services and outside trade associations,
27:49to direct those complaints toward us so we can handle them effectively for the people of Pennsylvania.
27:56Anything else?
27:57Yeah, I guess just to – if the CFPB existed and was functioning normally,
28:05what would people call them for that they wouldn't be calling the state for?
28:08So, you know, was there like a silo that if I had this kind of problem I'd turn to them,
28:13or, you know, in the old days I would go to bank and security.
28:15But now, you know, so I'm trying –
28:17I mean, on some of the financial institution matters, there was oftentimes two paths you could go for.
28:24You could go to the CFPB or you could come here to the Commonwealth.
28:28I certainly, as Attorney General, and I'm sure this will be true of General Sunday, handled these kinds of complaints that came in.
28:35And there were times that we collaborated with the CFPB in the past.
28:38That's no longer an option.
28:40There were times where we handled it on our own.
28:41And there were times where maybe they had some unique expertise where they had other states
28:47or other municipalities that were dealing with a similar thing somewhere else.
28:50And so they could really do a better job of handling that.
28:53That's no longer an option.
28:54And what I want consumers to know is you're still protected here in the Commonwealth of Pennsylvania
28:59with our strong laws, with our dedicated personnel, both in our agencies, in the AG's office, and elsewhere,
29:06to do this work and to protect consumers.
29:09Kevin, given your track record of what you have done for consumers,
29:12and you pointed out a few things that you did, what was your personal reaction
29:16when you heard the administration wanted to eliminate the CFPB?
29:21I think it is counter to everything else they keep saying about waste, fraud, and abuse.
29:27If you take them at their word that they want to eliminate waste, fraud, and abuse from society,
29:32not just from government, but in general, you would think they would want to arm those
29:38who are combating fraud and abuse in our system with more tools, not less, to be able to protect the people.
29:45That, to me, just doesn't make sense.
29:48Obviously, you know I have differences with the administration.
29:51I've been very open about that, and I try to be open about that in a constructive way.
29:55This one just doesn't make any sense to me whatsoever.
29:59You would think that they would want to enforce the laws on the books.
30:02You would think they'd want to protect consumers.
30:04You'd think they'd want to root out fraud and abuse as they talk about seemingly every day.
30:09So I think it's counterintuitive.
30:11Hopefully, they'll reevaluate that initial, seemingly rushed decision that they made to shutter the CFPB in reality,
30:19and instead come back and meet us in the state and other states that are doing this work and partner with us again,
30:25because I think it was a strong partnership.
30:27A legal question.
30:29Are there things that you are restricted in your ability to do because of, like, the Interstate Commerce Clause and things like that?
30:37Are there things that the feds can do that the state can't do, even though we have relatively strong consumer protection laws?
30:45Are there boundaries you can't act outside of?
30:47Let me speak from one example.
30:49When I was attorney general, we spent a couple years investigating redlining in the city of Philadelphia.
30:54As I was conducting that investigation, most of it was secret at the time, though those that we brought in, talked to, sometimes word leaked out from them.
31:04I got calls from other state attorneys general saying, hey, heard you might be looking at this.
31:10We think we might have a similar situation in our state.
31:14And so we began to hear from other states that thought that they had a similar challenge with redlining.
31:20Something like that, where we had multiple states involved, we would lean on the expertise of the CFPB
31:26and sometimes lean on the laws that the CFPB operated under to share information, share documents, share things that were gathered
31:36in a way that is sometimes more challenging for states unless they enter into certain legal agreements.
31:43It is not impossible to do this work without the CFPB.
31:46It was easier to do it with them, particularly when the fraud crossed state lines.
31:51But we'll figure out a way to do it.
31:53We'll work, again, together with the AG's office, with other states as need be,
31:58and we'll make sure Pennsylvania consumers are protected.
32:00Thank you, guys.
32:01Okay. Thanks, everybody.
32:04Thanks, Rob.
32:05Good to see you.