| TO: | Honorable Troy Fraser, Chair, Senate Committee on Business & Commerce |
| FROM: | John S. O'Brien, Deputy Director, Legislative Budget Board |
| IN RE: | SB446 by Carona (Relating to the reduction in value of a gift card.), As Introduced |
| Source Agencies: | 451 Department of Banking, 466 Office of Consumer Credit Commissioner
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| LBB Staff: | JOB, JRO, MW, RB
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