relative to the expectation of privacy in the collection and use of personal information.

HB 195 establishes new protections for personal information held by third-party service providers (such as phone companies, banks, social media platforms, and internet providers). It requires these companies to obtain explicit, affirmative consent from users before disclosing non-public personal information (like names, SSNs, location data, or biometrics), except in specific circumstances like emergencies, crime prevention, legal requests, or to provide a requested service. The bill defines "personal information" broadly and mandates clear, separate consent procedures requiring users to actively "opt in" rather than passively accepting terms. This directly affects how companies collect and share user data, aiming to strengthen privacy expectations for individuals.