Transcript Highlights:

• Zoomobile programs. Zoomobile programs.
• . program. program.
• Education awareness campaigns, making drop-offs easy, creating a cost-share program that makes it free
• And I think it obviously, you know, part of this program is making people more aware that that is not
• So obviously part of the program is educating and awareness and making those drop-off sites more available

Keywords: 1187, senate, all

Transcript Highlights:

• , a 12-step program.
• Yes, I'm certainly aware of that.
• Yes, I'm aware of that, Senator.
• program, was established in 2023.
• Yes, this bill does not change the pilot program, and that's how it existed in the pilot program.

Summary: The Senate began with opening prayer, the Pledge of Allegiance, and several recognitions, including interns, Denim Day awareness, and a resolution honoring Vietnam veterans exposed to Agent Orange on the 50th anniversary of the fall of Saigon. The chamber also observed a moment of silence for former Senator Karen Johnson Gendron. After routine business, the Senate took up several special-order bills. The first major bill, transportation offenses involving death, increased penalties for repeat DUI/BUI manslaughter and vehicular homicide offenses. An amendment added penalties for refusal to submit to breath or urine testing and required law enforcement to notify suspects of those penalties. The bill passed 37-0. The Senate then passed SB 306 on Medicaid providers, requiring broader after-hours and holiday access to care and setting network standards for Medicaid managed care plans, also by a 37-0 vote. The chamber next considered a major condominium and cooperative associations bill responding to post-Surfside safety and financial concerns. Senators described the measure as balancing building safety with financial relief, extending reserve-study deadlines, allowing temporary reserve relief after inspections, tightening oversight of managers and inspectors, and adjusting voting, resale, and reserve rules. After extensive debate and praise from members for the bill’s sponsors and staff, the bill passed 37-0. The longest discussion centered on a constitutional amendments/petition process bill aimed at curbing fraud in citizen initiative petitions. Sponsors argued that the 2024 petition process was plagued by fraud and identity theft and proposed tighter rules for circulators, faster submission deadlines, voter notification, penalties, and limits on petition handling. Senators offered and adopted multiple amendments, including changes to petition-circulator definitions, invalid-signature thresholds, and voter notification procedures. After a substitute amendment was withdrawn, the Senate continued debating the underlying amended bill, with members split between concerns about election integrity and worries that the bill would burden volunteers and make it harder for citizen initiatives to qualify.

Transcript Highlights:

• formula programs would would continue. formula programs would would continue.
• <01:10:10.560> So program you're looking at. So program you're looking at.
• infants and families program. infants and families program.
• institute for school principles program. institute for school principles program.
• about self-awareness. about self-awareness.

Keywords: Meeting Start: 00:00:12 Attendance Roll Call: 00:00:33 Kentucky’s New Assessment and Accountability Model Update: 00:03:50 Federal Education Policy and Its Impact on States: 01:00:55 Educational Leadership Training Opportunities in Kentucky: 01:26:44 Consideration of Referred Administrative Regulations: 02:10:38 Adjournment: 02:13:57, 958, all

Summary: The Interim Joint Committee on Education met for its first interim meeting and established a quorum before taking up its first topic, Kentucky’s new assessment and accountability model. Commissioner Robbie Fletcher, joined by KDE staff and superintendents, described a multi-year effort involving the Kentucky “Now We Learn” Council, more than 50 educators and stakeholders, at least 18 pilot districts, surveys, focus groups, town halls, and four prototype frameworks. He emphasized three priorities for the new model: vibrant learning experiences, innovation in assessment, and collaboration with communities. Fletcher said the state accountability portion would continue to meet federal requirements and identify CSI/TSI/ATSI schools, while shifting toward more emphasis on individual student growth, grade-level equivalency in reading and math, career and technical education, graduation rate, and English language proficiency. He also said science would remain a required assessment but be reported separately rather than counted in the CSI/TSI calculation. He stressed that the model should focus on growth, local flexibility, and meaningful measures that reflect community expectations, while still preserving a statewide framework. The committee also heard from Bullitt County superintendent Jesse Bacon, who described his district’s local accountability work. He said Bullitt County formed a community coalition with broad representation from across the district, business leaders, and community members, met six times during the school year, and worked toward a public-facing dashboard that would show community expectations, evidence of accountability, and areas for improvement. Bacon said the district identified six community-defined pillars, beginning with student learning and foundational academic knowledge, as part of a system intended to communicate strengths and improvement areas to the public.

Transcript Highlights:

• We haven't even launched our program.
• So this is just a new program we're launching.
• Chairman and Senator, yes ma'am, I am aware of that study.
• I am aware of that study.
• Would you have voted to authorize such a program?

Bills: SB1024, SB1032, SB1059, SB1062, SB1064, SB1097, SCM1001, SCR1004

Keywords: roadable aircraft, registration, vehicle title, license plates, aviation safety, corrections oversight, funding, state budget, criminal justice, reform, appropriation, Department of Transportation, right turn lane, traffic improvement, infrastructure funding, transportation funding, authorization, road improvements, intersection safety, transportation

Summary: The committee began with a JLBC presentation comparing the baseline budget to the governor’s proposal. JLBC said the baseline shows a positive cash balance in each year, with about $577–$578 million available above statutory formulas, but that major items such as tax conformity, state employee health subsidies, school repairs, SNAP administrative changes, and possible SNAP error-rate costs are not fully funded. JLBC also reviewed executive revenue and spending proposals, including border-security funding, sports betting tax changes, data-center tax changes, short-term rental and water surcharges, and several one-time items that JLBC said appear to be ongoing in practice. Members questioned SNAP error rates, Medicaid/Access enrollment and costs, possible fraud involving Access-to-Marketplace shifting, prison receivership risk, and the need for more oversight of waste and fraud. The committee then heard and passed SB 1032, which appropriates $1.5 million to fund the Independent Correctional Oversight Office created last year. The sponsor and several advocates said the office is needed to provide independent oversight, improve transparency, help whistleblowers, and reduce the risk of federal receivership over the prison system. Testimony from advocacy groups and former incarcerated individuals strongly supported the bill, and the committee approved it 10-0. Next, the committee considered several transportation appropriations. SB 1064 would provide $3 million to Flagstaff for improvements along U.S. Route 66; the mayor and local planning officials described safety problems, congestion, and housing growth along the corridor, while some members objected to using general fund dollars for roads instead of HURF and to bypassing the normal transportation board process. The bill passed 7-3. SB 1059 would appropriate $9.2 million for a right-turn lane at SR 87 and SR 260 in Payson, and SB 1062 would appropriate $1 million for a left-turn lane at US 60 and Superstition Mountain Drive in Gold Canyon; both were supported by local witnesses citing congestion and safety concerns and both received do-pass recommendations, 7-3 and 6-4 respectively. The committee also began hearing SCR 1004, a voter-referral measure to prohibit photo enforcement systems, with the sponsor and public commenters arguing that photo radar is unconstitutional, abusive, and tied to ticket revenue, but the transcript cuts off before any committee action on that measure.

Transcript Highlights:

• Take up tab two, Senate Bill 398 on awareness program for Alzheimer's disease and dementia-related disorders
• Take up tab two, Senate Bill 398 on an awareness program for Alzheimer's disease and dementia-related
• Take up tab two, Senate Bill 398 on awareness program for Alzheimer's disease and dementia-related disorders
• We don't want to see the program go away.
• The only state that has put that into their IOTA program throughout the whole 40-plus programs, 50 programs

Summary: The Committee on Fiscal Policy met and considered a wide range of bills, including early learning and special needs funding (SB 1102), Israel bond investment authority (SB 1674), Parkinson’s disease research at USF (SB 1800), mental health and substance use disorder reforms (SB 1620), veterans nursing home beds (SB 788), securities regulation updates (SB 988), labor pool regulation (SB 1672), Alzheimer’s awareness (SB 398), educator preparation (SB 1590), student mental health reporting (SB 1310), specialty license plates (SB 824), financial institutions and IOTA-related issues (SB 1612), transportation facility designations (SB 1408), utility worker protections (SB 1386), DNA testing grants (SB 1072), the Council on the Social Status of Black Men and Boys (SB 364), housing support for former foster youth and homeless students (SB 584), sex offender registration changes (SB 1654), migrant vessel disposal (SB 830), commuter rail indemnification (SB 916), juvenile justice revisions (SB 1344), aggravating factors in capital cases (SB 984), and a criminal offender substance abuse pilot program (SB 1140). Most bills were explained by sponsors, often with supportive testimony from affected agencies, advocacy groups, or industry representatives, and several were amended before final action. The committee adopted amendments on many measures, including clarifications and effective-date changes for SB 1102; technical changes to SB 1620 implementing mental health commission recommendations; a delete-all amendment for SB 1620; an amendment to SB 988; a consumer-disclosure amendment on SB 1612; and multiple amendments to SB 1408, SB 364, SB 584, SB 1654, and SB 1344. SB 1672 on the Labor Pool Act drew extensive public testimony in opposition from worker advocates, who argued repeal would weaken protections for temp workers and formerly incarcerated workers, and the bill was temporarily postponed to a later meeting without a vote. Several bills received notable testimony in support, including SB 584, where former foster youth described housing instability and the importance of campus housing and federal voucher coordination; SB 1386, which was backed by utility and industry groups seeking stronger penalties for assaults on utility workers; and SB 984, which drew opposition from the Florida Conference of Catholic Bishops over expansion of death penalty aggravators. The committee also heard support and opposition on SB 1612 regarding IOTA interest rates and legal aid funding, with bankers and civil legal aid representatives disputing the proper rate structure and whether the bill conflicted with Florida Bar rules. At the end of the meeting, the committee reported all voted-on bills favorably, including SB 1102, SB 1674, SB 1800, SB 1620, SB 788, SB 988, SB 398, SB 1590, SB 1310, SB 824, SB 1612, SB 1408, SB 1386, SB 1072, SB 364, SB 584, SB 1654, SB 830, SB 916, SB 1344, SB 984, and SB 1140. Members also requested to be recorded on various bills, and the committee adjourned after noting one remaining meeting would be lengthy.

Transcript Highlights:

• Administration uh they have a program Administration uh they have a program called<01:09:35.080>
• DHHS and their programs would just be I DHHS and their programs would just be I would<01:23:57.800>
• The newborn screening program is a vital public health program.
• The newborn screening program is a vital public health program.
• The program notifies the provider.

Keywords: 1189, house, all

Transcript Highlights:

• But they were discussing the summer lunch program in the past because of the pandemic.
• What choices or what programs will merit. One-time investment or recurring investment. Mr.
• So staff highlight idea programs recommended for consolidation.
• So I'm aware of one that was unsolicited.
• No, I'm not aware of, of the agency having reached out to anyone yet. OK, cool.

Transcript Highlights:

• They certainly may, and I can get you that information, and I'm fully aware of the 340B program and the
• They certainly may and I can get you that information and I'm fully aware of the 340B program and the
• They certainly may, and I can get you that information, and I'm fully aware of the 340B program and the
• to move that program into a permanently funded program.
• to move that program into a permanently funded program.

Bills: SB1

Keywords: campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards

Summary: The committee heard a Legislative Budget Board presentation and then testimony from the Department of Public Safety on the Article 5 public safety budget. LBB said DPS’s 2026-27 recommendation totals $3.7 billion, down from the prior base, while FTEs rise by 856.7. Major items included increased funding for driver license services and customer support, new trooper funding and recruit schools, crime lab operations, border security, and reductions tied to one-time facility, vehicle, and aircraft spending. The committee also discussed new riders, including one to lapse unused trooper funds and require reporting after recruit schools. Members focused heavily on driver license operations, questioning why prior staffing increases and a prior efficiency study had not solved long wait times, high call abandonment, and appointment delays. DPS and LBB said the agency receives about 22,000 calls per day, answers only about 9 percent, and is seeking more staff plus technology upgrades such as automation, kiosks, and better online processing. Senators also raised concerns about rural access, REAL ID document requirements, and whether the department should rethink its processes rather than simply add employees. DPS leadership then described needs for the Williamson County training academy, additional troopers, Capitol and Alamo security, border operations, aircraft and vehicle replacement, and regional headquarters in El Paso and San Antonio. Members asked about Operation Lone Star costs, overtime, pursuit safety, border crime, oilfield theft, and sexual assault kit and toxicology backlogs. DPS said border deployments remain focused on criminal threats, that overtime is partly driven by deployments and staffing shortages, and that the sexual assault kit backlog is down to 118 cases with a goal of zero by April. The committee later recessed and began the Texas Alcoholic Beverage Commission budget presentation, where LBB outlined a $115.1 million recommendation and noted ongoing costs for the AIMS technology project.

Transcript Highlights:

• programs.
• The NUPAC program is represented on line 26.
• Every state has a Medicaid program. It's an entitlement program under federal law.
• So, two different programs.
• For programming that's not just continuously asking for TSROC money to support ongoing programs as an

Transcript Highlights:

• Uh program.
• Part D program.
• So, while many folks are aware of the MSP programs and what they do, one part of MSP eligibility is that
• LIS program do for New Hampshire. LIS program do for New Hampshire.
• . program. program.

Keywords: 1189, house, all

Transcript Highlights:

• Our program is a little bit lesser known in that we are what's called a when resources allow program.
• , their work through our grant program, their work through our grant program, which<00:26:20.159>
• I think it's program is important.
• the the little jolt of awareness here. the the little jolt of awareness here.
• Flood Insurance Program around 350. So Flood Insurance Program around 350.

Keywords: 958, all

Summary: The task force met with a quorum, approved the August meeting minutes, and heard a presentation from Dr. Jerry Brosky of the Kentucky Mesonet and Kentucky Climate Center. He described the Mesonet’s statewide weather network, now with 84 stations in 78 counties, real-time data used by the National Weather Service, mobile apps, and more than a billion observations. He said recent legislative funding has allowed upgrades such as soil temperature and moisture sensors, cameras at every site, and improved communications and power systems, and has enabled expansion into new counties. He also highlighted products used for flooding, drought, and heat safety, including a wet bulb globe temperature tool being developed with the Department of Public Health. In response to questions, he said counties interested in a station should contact his center, that a station typically costs about $50,000, and that the program is already considering a second Pike County site. The committee then heard from Ryan Drain of Blue Skies and Chris McGee of the American Red Cross on long-term disaster recovery and a software platform called Darcy, short for Disaster Aware and Ready Communities Initiative. McGee explained the Red Cross’s long-term recovery work, including support for recovery groups, direct financial assistance, grantmaking, and coordination with local and federal partners. He emphasized that disasters are occurring more frequently and with repeated impacts, and shared examples from Kentucky and other states showing the need for organized recovery and storm shelter support. Drain said Darcy was developed after the 2021 Mayfield-Graves tornado recovery to replace fragmented spreadsheets and PDFs with a centralized, survivor-led system for preparedness, response, and recovery, designed to improve coordination, reduce duplication, and shorten recovery time. No votes or formal actions were taken beyond adoption of the minutes.

Transcript Highlights:

• And so the program, you know, truly is growing.
• program for the drinking water.
• also through the irrigated lands program.
• I'm the program director at Friends of the River.
• We've invested in programs. Thank you.

Keywords: 987, senate, all

Summary: The committee first handled several governor’s appointments not required to appear, approving Anthony Surich to lead the California Housing Finance Agency, Craig Snelling to the Workers’ Compensation Appeals Board, Nicholas Mueller to the Off-Highway Motor Vehicle Recreation Commission, and the referral of bills to committees, each by 4-0 votes. It then heard testimony on the appointment of Jereen DiDamo to the State Water Resources Control Board. DiDamo highlighted priorities including water-use efficiency, SGMA implementation, groundwater recharge, ecosystem restoration, and expanding safe drinking water access, noting the number of Californians without safe drinking water had fallen from 1.6 million to 800,000 since 2019. Senators focused heavily on the safe drinking water program, consolidation of failing systems, funding, domestic wells, SGMA, and the Bay-Delta plan. Supporters praised her practical, collaborative approach and work on drinking water; opponents from environmental and tribal groups argued the board had favored agricultural and urban interests and had not acted quickly enough to protect the Delta and fisheries. The committee ultimately voted 4-0 to advance the appointment to the full Senate. After a brief recess, the committee took up the appointment of Siva Gunda to the California Energy Commission. Gunda said California is managing three major transitions at once—decarbonizing the grid, electrifying transportation and buildings, and winding down petroleum and natural gas—and emphasized planning, transparency, and coordination across agencies and the West. Senators questioned him about Kern Energy and the impact of refinery compliance burdens, the state’s transportation fuels plan, Diablo Canyon, fuel imports, and affordability. Gunda said the Energy Commission has supported exemptions or potential exemptions for small refineries, that current planning assumes Diablo Canyon retires in 2030 without creating reliability problems if new resources continue to come online, and that most new capacity has been storage and solar. He also said California still imports a significant share of crude and refined products, with costs affected by global markets and shipping. The committee approved his appointment 4-0 to move to the full Senate.

Transcript Highlights:

• We have a strong film program, our digital arts program, our Diné material arts, so we've incorporated
• Madam Chair, on the residential program that you have, there's also another residential program, a BIE
• program.
• They, too, are a residential program. They have a residential program.
• And then recreation money because you have programs listed. Do those programs incorporate?

Transcript Highlights:

• Your springs restoration programs, your alternative water supply grant program at $60 million, as well
• This program has been wildly successful.
• Those must stay within the program according to the 340B program.
• My understanding is the ADAP program is a federally regulated program that we receive hundreds of millions
• It's earmarked for this program, only for this program, and for no other program.

Bills: S7010

Keywords: Roth contributions, deferred compensation, retirement savings, Florida Statutes, tax benefits

Summary: The Senate Committee on Appropriations met to take up SB 7010 by Senator Mayfield, which would authorize Roth post-tax contribution options in state and local deferred compensation plans. The bill was briefly explained, received one appearance in support, had no debate, and was reported favorably by roll call vote. The committee then heard a lengthy presentation from the Governor’s Office of Policy and Budget on the governor’s recommended $117.4 billion “Floridians’ First Budget.” The presentation highlighted major spending areas including education, health care, public safety, transportation, environmental restoration, and economic development. Key proposals included increased FEFP funding for K-12 schools, teacher salary funding, higher education support, Everglades and water quality funding, emergency preparedness reserves, corrections staffing and pay increases, law enforcement recruitment bonuses, cybersecurity, and affordable housing and infrastructure investments. Members asked extensive questions about property tax reserve planning, litigation funding, emergency response fund balances and expenditures, the use of federal reimbursement for the Everglades detention facilities, the animal abuse hotline, Hope Florida, corrections staffing, and the proposed reduction in ADAP eligibility for HIV/AIDS medication assistance. A member of the public also testified at length about concerns that the ADAP changes would harm access to life-saving medications and alleged improper shifting of program funds. Committee members and the presenter acknowledged follow-up questions on several items, but no additional votes or formal actions were taken beyond the favorable report on SB 7010 and adjournment.

Transcript Highlights:

• maybe yeah the more people who are aware maybe yeah the more people who are aware of<00:28:10.159
• exists within the clean Lakes program exists within the clean Lakes program and<03:36:54.520>
• , and we certainly make them aware that if something's against the law.
• , and we certainly make them aware that if something's against the law.
• <04:06:53.520> of municipalities are much more aware of municipalities are much more aware

Keywords: 1189, house, all

Transcript Highlights:

• The bill appropriates $324,700,000 from the general fund for the state health insurance plan and programs
• House Bill 4163 establishes the school safety threat identification pilot program in ADE.
• The bill also establishes the child sexual abuse and assault awareness and prevention pilot program.
• I mean, major, major, major. ...and software programs, I mean, major, major, major.
• The state has to, through Access, apply for this program.

Keywords: 1182, all

Transcript Highlights:

• HEALTH PROFESSIONS AND PROGRAMS SUBCOMMITTEE WILL COME TO ORDER.
• RESPONSIBLE FOR ENSURING THAT NEARLY 1 MILLION FLORIDIANS WHO ARE PATIENTS OF THE MEDICAL MARIJUANA PROGRAM
• THE PROGRAM RECEIVES NO GENERAL REVENUE.
• WE WILL GO OVER A COUPLE THINGS FIRST TALKING ABOUT PROGRAM MEMBERS KEY FEATURES INCLUDING QUALIFIED
• PATIENTS, CAREGIVERS AND POSITIONS THAT ARE CURRENTLY OPERATING WITHIN THE PROGRAM.

Transcript Highlights:

• So a lot of times the doctors aren't aware of the network that the plan has.
• So to clarify your question, So a lot of times the doctors aren't aware of the network that the plan
• But this is actually a pilot program in this one specific facility in the Panhandle.
• We are now taking up HB 1085, Children's Medical Services Program, by Representative Oliver.
• Secondly, it would expand the, and as drafted, it would expand the current Medicaid waiver program for

Summary: The Health Care Facilities and System Subcommittee met with a quorum and considered five bills. HB 1101 on out-of-network providers drew the most discussion; Rep. Albert said it would require written notice when a patient is referred to an out-of-network provider and would count certain insurer payments toward deductibles. Several members and the Florida College of Emergency Physicians raised concerns about placing the burden on doctors’ offices, possible delays in referrals, and unclear enforcement, but the bill was reported favorably 16-2. Public testimony included support from AARP and concerns from emergency physicians about ER workflow and insurance-network transparency. The committee then unanimously approved PCS for HB 475, reducing fines for ambulatory surgery centers that violate good-faith estimate requirements from $1,000 to $250 per day, with a lower maximum penalty. The bill sponsor said the change was intended to right-size penalties for smaller facilities; witnesses from surgery centers and HCA supported it. HB 797, which would allow a nonprofit retirement community serving veterans and spouses to create veteran-and-spouse nursing home beds and transfer a certificate of need within 100 miles, also passed unanimously after members discussed whether it could affect access for veterans; the sponsor said it would create additional private beds rather than displace existing ones. HB 1085 on the Children’s Medical Services Program was amended and reported favorably 14-3. The bill would move managed care plan operations for medically fragile children from the Department of Health to AHCA, keep clinical eligibility at DOH, and shift PPEC services fully into managed care. The adopted amendment changed the waiver provision to require AHCA to develop and present a comprehensive redesign plan for the Medicaid model waiver for children receiving private duty nursing. Several members supported the goal but raised concerns about eliminating family choice and the impact on medically fragile children. Finally, HB 1353 on home health care services passed unanimously. The bill would remove geographic limits on home health administrators, allow more licensed RNs including contract RNs to perform visits, and revise the home health excellence award program. Supporters said it would address workforce shortages and improve access, while one member warned it could increase costs and competition for nurses. The committee adjourned after reporting all five bills favorably.

Transcript Highlights:

• expand these peer support programs expand these peer support programs across<00:18:23.440> the
• This is an incredible program.
• I've seen an incredible program.
• :27.360> they prevention programs like this, they prevention programs like this, they don't<00
• public's aware, someone calls 911. public's aware, someone calls 911.

Keywords: Meeting Start: 00:00:00 Roll Call: 00:00:07 Office of the Attorney General Update: 00:04:52 Department of Kentucky State Police Update: 00:44:57, 958, all

Transcript Highlights:

• force are aware of your position.
• We offer our homeowners program.
• > uh home program is a really good program uh home program is a really good program uh to<01:47
• depopulation program for a long time. depopulation program for a long time.
• And they've set up a program.

Keywords: 919, house, all

Summary: The task force met on October 22, 2025, with a quorum present and several members participating remotely. Members approved the minutes from the previous meeting. Michelle Urick of the Legislative Coordinating Commission then gave an administrative update on proxy voting and the task force’s operating procedures. She said the enabling statute only authorizes the officially appointed member to act and vote, so proxy voting is not allowed, and votes must be cast in person at the meeting where the item is considered. She also said members may submit written positions, but not vote before or after a meeting. In response to concerns about attendance for future votes, the chair said the January meetings would be rescheduled if possible using a Doodle poll so more members could be present in person. The group also agreed to treat the revised document as operating procedures rather than a formal charter, with no separate adoption action needed at that time. The task force then moved into testimony on homeowners and commercial property insurance. Paul Edgar of Minnesota Realtors said rising insurance costs are adding to housing affordability pressures, citing an increase in the monthly principal, interest, taxes, and insurance payment on a median-priced Minnesota home from $1,622 in 2021 to $2,642 in September 2025. He said higher insurance costs and limited coverage can affect buyers’ financing, especially for condominiums and townhomes, and urged continued work on liability and insurance-related laws that may discourage condo development. He also referenced prior bipartisan reforms to Minnesota’s condominium construction defects law and said his organization supports further improvements to encourage more condo production. Keenan Ravery of the Minnesota Mortgage Association focused on how insurance requirements affect mortgage lending. He explained that lenders require insurance both at origination and throughout the life of the loan, with standards aimed at protecting collateral rather than providing full homeowners coverage. He said replacement-cost coverage has long been the norm, but recent issues with roofs, deductibles, HO-6 policies, and force-placed insurance have become pain points for consumers and lenders. He said his association is working with national trade groups on reforms that could allow more flexibility in coverage types and deductibles, and he expressed hope that Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency may announce policy changes in the coming months or by early 2026. No votes or substantive policy actions were taken beyond approving the minutes and agreeing to pursue scheduling adjustments for January.