Video & Transcript Research : '7A loan program'
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NM
New Mexico 2026 Regular Session
House - Chamber Meeting Feb 16th, 2026 at 11:58 am
New Mexico House Floor Meeting
Bills:
HB145, HR1, SB29, SB37, SB193, SB58, SB64, HB195, HB234, HB279, HB287, HB292, HB303, SB30, SB35, SB40, SB43, SB48, SB96, SB143, HJM1, HM7, HM17, HM4, HM22, HM23, HM24, HM26, HM2, HM16, HM32, HM13, HM47, HM20, HM51, HM1, HM31, HM35, HM36, HM46, HM53, HM54, HM39, HM29, HM43, HM59, HM11, HM14, HM21, HM34, HM50, HB332
Keywords:
high-wage jobs, tax credit, job creation, New Mexico, economic development, House Resolution 1, HR1, House investigatory subcommittee, special committee, legislative investigation, subpoena power, public corruption, criminal activity, Zorro ranch, Santa Fe County, public accountability, government oversight, impeachment power, children and vulnerable persons, public funds
MN
Minnesota 2025-2026 Regular Session
Committee on Judiciary and Public Safety - 04/13/26
Judiciary and Public Safety
Transcript Highlights:
- , given the amount of the loan.
- Given the given the amount of the loan.
- language in the A9, those sorts of loans language in the A9, those sorts of loans with<01:05:02.920
- we raised again would be loans we raised again would be loans because<01:11:12.600>
that < - employee loans employee loans still<01:14:12.640>
need <01:14:12.840>some <01:14:13.040
CA
California 2025-2026 Regular Session
Assembly Housing and Community Development Committee Jul 1st, 2026
Housing and Community Development
Transcript Highlights:
- Unfortunately, those same protections do not extend to those who hold personal property loans.
- Unfortunately, those same protections do not extend to those who hold personal property loans.
- A prime example is how CalHFA had, or sorry, CalHFA had the CalAssist Mortgage Relief program in the
- and the insurance claims coming in, taking away from the ability to draw down SBA loans.
- The risk reduction program will help affordable housing developers access more insurance options than
MN
Minnesota 2025-2026 Regular Session
Conference Committee on HF2431 5/8/25
Transcript Highlights:
- Line 32 is the rural veterinarian loan repayment program.
- Line 33 is the A educators loan repayment program.
- The veterinarian loan repayment program.
- >
that veterary loan um repayment program that veterary loan um repayment program that was<00: - So that degree loan repayment program.
Summary:
The Higher Education Finance and Policy Conference Committee met publicly to compare House and Senate positions on the higher education budget, with the chairs emphasizing transparency and alternating gavel control. Nonpartisan fiscal staff walked through a spreadsheet of differences across the Office of Higher Education and Minnesota State, including major items such as state grants, childcare grants, work study, tribal college grants, emergency assistance grants, hunger-free campus grants, student parent support, direct admissions, paramedic scholarships, and several medical residency and fellowship programs. The House and Senate also differed on administrative funding, campus sexual assault reporting, and a House FY25 cancellation that would be carried forward.
Members discussed several of the larger policy and funding choices. The Senate explained its increase for Minitex as support for operating costs and statewide access to information. The House explained its cuts to student parent support and other items as necessary to work within a zero target and to prioritize direct aid to students, while the Senate said it focused on direct appropriations and access-related programs. On hunger-free campus grants and emergency assistance grants, the Senate said it was changing the distribution method and direct appropriations rather than reducing the overall money, while the House noted differences in whether nonprofit institutions remained included.
The committee also reviewed Senate-only additions and reductions in Minnesota State, including free course materials, Lake Superior College remediation, and changes to the Kids on Campus appropriation. A representative from Lake Superior College testified that the PAS remediation funding would help address contamination issues at an emergency training site near Lake Superior and that the money was shifted from the Kids on Campus initiative. No final conference agreement or vote was taken in the portion of the meeting provided; the committee continued discussing differences and testimony.
CA
California 2025-2026 Regular Session
Assembly Appropriations Committee May 14th, 2026
Appropriations
Transcript Highlights:
- , strike the new program.
- , strike the new program and apply the 10% requirement to Cal Fire's existing programs.
- loan amounts, direct Caltrans to process loan requests, and resolve structure and timing issues.
- AB 2607, Nguyen, capital access loan program, held in committee.
- AB 1923, Soria, Distressed Hospital Loan Program, do pass as amended to provide for upon appropriation
CA
California 2025-2026 Regular Session
Assembly Appropriations Committee May 23rd, 2025
Transcript Highlights:
- AB 1365, Garcia, Cal Account Program: holding committee.
- AB 407, Jackson, Capital Access Loan Program: holding committee.
- AB 1042, Ransom, Managed Honeybee's Health Program: do pass as amended to make the new program discretionary
- AB 949, Shiavo, retail grant program: holding committee.
- AB 997, Stephanie, Kids Plate Program: holding committee.
Summary:
The Assembly Appropriations Committee held its May 23, 2025 suspense hearing and opened by emphasizing the difficult budget environment, rising costs for constituents, and the need to make tough choices. The chair said many bills would be held, amended to reduce costs, or made two-year bills because the state could not afford broad program expansions this year. The committee also noted the agenda was organized alphabetically by author and that results would be posted later that day.
The committee then acted on a large suspense file, taking up hundreds of Assembly bills across topics including housing, health care, education, labor, public safety, climate, water, transportation, elections, and technology. Many bills were held in committee, while many others were approved with cost-saving, clarifying, or author’s amendments. Examples included measures on CalABLE, Covered California enrollment, wildfire and insurance issues, reproductive health, school and college programs, prison and juvenile justice matters, AI and data privacy, and local government and utility regulation. Several bills were converted to two-year bills to continue discussion.
Throughout the hearing, the committee repeatedly voted on bills by A roll call or B roll call, often with Republicans not voting on amended measures. Some bills were advanced with notable amendments, such as narrowing scope, removing appropriations, delaying implementation, or striking costly provisions. The committee also approved a number of committee bills and omnibus measures, including emergency management, judiciary, insurance, and water-related bills.
At the end of the hearing, the chair stated that the committee had moved 435 bills to the Assembly floor, either as do pass or do pass as amended, and adjourned the meeting.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, February 24, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- The big one is to cut the Medicaid program, a program which provides health care for 70 million Americans
- BEFORE ISSUING A LOAN, THE S.B.A.
- s disaster loan program assists communities after ... CLOSE OUT THE RECOMMENDATION.
- S DISASTER LOAN PROGRAM ASSISTS COMMUNITIES AFTER Disasters.
- program that was canceled, the X-33 program.
NM
New Mexico 2026 Regular Session
House - Appropriations and Finance Jan 17th, 2026 at 09:11 am
House Appropriations & Finance
Transcript Highlights:
- grow program.
- Supply Program Fund, and $15 million for the River Stewardship Program.
- On page 21, line 228, you'll see $25 million to the Health Professional Loan Repayment Program at the
- program.
- , not duplicate, MFA's programs. ...to complement, not duplicate MFA's programs.
NH
Transcript Highlights:
- the person getting the loan sign off that they're exempting themselves from this.
- <00:09:26.880>
are certain companies giving loans are certain companies giving loans are uncomfortable - What if I took a home equity loan against that 200,000 of equity I have in my house?
- replacement program for low-income homeowners.
- In fiscal year 25, the Safe Tank Program will replace substandard tanks.
TX
Transcript Highlights:
- This amendment establishes a student loan repayment program for certified teachers.
- Loan Repayment Program is targeted to all certified teachers in Texas who have outstanding loan debts
- Among those who completed an education... program in 2020 and took out student loans, the average amount
- We need to do well for them in this student loan repayment program. Move adoption.
- Take up Senate Bill 646, the Mental Health Professional Loan Repayment Program was created in I'm sorry
Bills:
SJR59, SCR30, SCR46, SB31, SB127, SB324, SB401, SB407, SB467, SB482, SB506, SB529, SB584, SB619, SB636, SB646, SB647, SB659, SB715, SB732, SB735, SB771, SB784, SB800, SB801, SB816, SB1013, SB1026, SB1049, SB1055, SB1065, SB1137, SB1169, SB1181, SB1383, SB1395, SB1410, SB1433, SB1524, SB1531, SB1568, SB1640, SB1666, SB1681, SB1718, SB1754, SB1757, SB1972, SB1980, SB2004, SB2007, SB2041, SB2046, SB2050, SB2075, SB2076, SB2154, SB2173, SB2206, SB2225, SB2253, SB2268, SB2306, SB2308, SB2314, SB2322, SB2330, SB2351, SB2366, SB2371, SB2392, SB2398, SB2476, SB2533, SB2540, SB2544, SB2589, SB2610, SB2623, SB2660, SB2662, SB2693, SB2707, SB2717, SB2722, SB2742, SB2753, SB2779, SB2807, SB2843, SB2844, SB2858, SB2877, SB2880, SB2885, SB2920, SB2938, SB2986, HJR4, HCR35, SJR3, SJR18, SB5, SB260, SB1786, SB914, SB963, SB1197, SB1415, SB1437, SJR36, SJR50, SJR63, SJR84, SJR59, SCR12, SCR39, SCR46, SCR48, SCR19, SCR30, SCR3, SB2023, SB1433, SB2322, SB2877, SB407, SB1718, SB1395, SB62, SB666, SB847, SB284, SB854, SB1073, SB810, SB1505, SB583, SB1502, SB507, SB1026, SB1434, SB1376, SB1585, SB1772, SB2016, SB1163, SB619, SB1122, SB732, SB731, SB397, SB508, SB1436, SB287, SB261, SB1882, SB393, SB1791, SB529, SB209, SB2429, SB1999, SB511, SB2309, SB510, SB2253, SB584, SB1085, SB2314, SB2046, SB1975, SB2717, SB1262, SB1524, SB1137, SB636, SB2056, SB884, SB517, SB1200, SB1410, SB1845, SB1863, SB2681, SB2200, SB2199, SB1757, SB2050, SB2458, SB2201, SB1055, SB2660, SB2662, SB1065, SB801, SB2533, SB3014, SB3013, SB758, SB647, SB1721, SB2268, SB2366, SB1013, SB2797, SB2371, SB2383, SB646, SB1169, SB1754, SB2779, SB2004, SB2119, SB2448, SB1777, SB1283, SB2392, SB2076, SB2786, SB2876, SB2284, SB2225, SB1540, SB2920, SB2929, SB1972, SB2540, SB2742, SB2595, SB2217, SB715, SB2330, SB1383, SB500, SB1640, SB2001, SB2080, SB2722, SB506, SB2514, SB2623, SB2753, SB2398, SB1241, SB2927, SB2173, SB2538, SB898, SB467, SB1449, SB2529, SB1531, SB2846, SB2476, SB986, SB1181, SB2075, SB2154, SB2864, SB31, SB2880, SB1359, SB2386, SB771, SB2844, SB2550, SB1351, SB1423, SB1931, SB2245, SB2589, SB2707, SB2807, SB2351, SB410, SB659, SB816, SB2776, SB2693, SB2580, SB1980, SB1886, SB1234, SB739, SB482, SB456, SB127, SB1666, SB2843, SB2801, SB800, SB2055, SB784, SB2986, SB735, SB1012, SB324, SB2926, SB2938, SB2007, SB2138, SB1242, SB2615, SB1049, SB2310, SB1224, SB2972, SB1568, SB2841, SB2885, SB3016, SB2858, SB2610, SB2139, SB1856, SB2035, SB2308, SB2306, SB2041, SB1528, SB1681, SB1141, SB2401, SB2530, SB2375, SB547, SB1266, SB1373, SB1467, SB2069, SB2269, SB2480, SB2544, SB672, SB904, SB2695, SB2891, SB2422, SB2543, SB1854, SB317, SB2539, SB2532, SB2925, SB1250, SB2082, SB2203, SB457, SB2357, HJR4, HB135, HB1109, HCR35, HCR64, SB2721, SB243, SB1285, SB2568, SB1959, SB1442, SB1454, SB2520, SB2541, SB1708, SB1237, SB1844, SB1586
Keywords:
education funding, Texas State Technical College System, capital projects, infrastructure, higher education, Birding Capital, Matagorda County, wildlife, conservation, Texas Legislature, Texas beef, cattle industry, agricultural heritage, Texas strip steak, economic growth, SB 31, Life of the Mother Act, Texas abortion law, medical emergency, reasonable medical judgment
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 5 on State Administration Feb 18th, 2025
Transcript Highlights:
- We administer 42 tax and fee programs. programs for the state.
- And that's the program that we're talking about now, the CHIEF program.
- So what we have is a loan loss reserve program and we encourage residential, business, and multifamily
- A proportion of the loan loss. And how does the public know about this program?
- I believe it was a farm worker program that were actually out in the farm workers program right there
ND
North Dakota 2025-2026 Regular Session
House Appropriations Apr 2nd, 2025 at 09:00 am
Appropriations
Transcript Highlights:
- They just have to keep it within that specific program.
- versus $20,000 a year if they don't go through this program.
- And that was my first introduction when we did those loans, those flood repayment loans.
- And that was my first introduction when we did those loans, those flood repayment loans.
- In the Senate, another FTE was added due to the fuel inspection program.
Summary:
The committee met to consider three measures, beginning with Senate Bill 2016 for Job Service. Testimony described Job Service’s workforce, unemployment insurance, and labor market functions, its long-term reduction in FTEs and budget, and its reliance on federal funding that does not keep pace with inflation. The bill included funding for an additional FTE for the H-2A housing inspection program, continued support for the JP3 offender placement pilot, and one-time funding for IT and mainframe costs tied to a system modernization effort. The committee approved the bill 20-0, with Representative Swiontek named as carrier.
The committee then discussed Senate Bill 2305, which would allow family members to be paid as caregivers for certain young people with disabilities instead of only licensed outside providers. Members noted the specialized, 24-hour nature of the care, workforce shortages, waiting lists, and the potential to avoid more expensive institutional care. Questions focused on how the program would be structured, including certification requirements and whether it would remain a pilot or become part of the broader human services budget. The committee passed the bill 20-0, with Representative Roar as carrier and Representative Nelson available as backup.
Finally, the committee took up Senate Bill 2024 for the Department of Environmental Quality. The House change was limited to increased special-fund support for water and wastewater operator certification testing to expand availability, while the Senate version already included added FTEs for emerging contaminants and fuel inspection work. Members discussed federal funding uncertainty, including IIJA and ARPA-related concerns, but the department said its major projects, including the new laboratory, were not currently in jeopardy. The committee adopted the amendment and then passed the bill as amended 22-0, with Representative Berg as carrier.
KY
Kentucky 2026 Regular Session
House Standing Committee on Banking and Insurance. (3-18-26)
Banking & Insurance
Transcript Highlights:
- Um<00:05:05.880>
on <00:05:06.040>a <00:05:06.080>$150,000 <00:05:07.320>loan - , Um on a $150,000 loan, Um on a $150,000 loan, if<00:05:08.680>
you <00:05:08.840>did< - We have a KHC program that applies for certain parts of the state.
- :12.040>
120% uh our our bubble burst by having 120% uh our our bubble burst by having 120% loans - Do you see anybody competing loans?
TX
Texas 89th Regular
Pensions, Investments & Financial Services May 19th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- That it would "repurpose" bond funds from the district's 2018 bond program.
- the total amount of money that you are going to have to pay if you sign and agree to take out this loan
- They're going to refinance that loan if they can and get their interest rate lower.
- I think it's important to tell them, just like anybody who is going to take out a loan, what the total
- cost of that loan is going to be.
Keywords:
bond election, ballot proposition, debt obligation, municipal bonds, local government finance, property tax, ad valorem tax, school district bonds, county bonds, special taxing district, voter information document, public debt, municipal finance, tax-supported debt, election ballot language, bond transparency, homestead tax impact, capital improvements, general obligation bonds, public bank
KY
Kentucky 2025 Regular Session
House Standing Committee on Agriculture (2-26-25)
Transcript Highlights:
- committee sub it expands the program committee sub it expands the program Beyond<00:10:57.079>
you'll see is that the banks make loans you'll see is that the banks make loans to<00:29:19.440>- It expands program opportunities, including formal internship and apprenticeship programs, as well as
- age-appropriate experiential programs.
- I have helped with the Barn Theater, farmer suicide prevention program.
Summary:
The House Agriculture Committee met with a large group of 4-H and FFA students and guests in attendance, and members repeatedly highlighted the importance of those youth programs to agriculture and future leadership. The committee first took up House Bill 356, as amended by a committee substitute, which would create the Kentucky Urban Youth Agriculture Initiative. The sponsor explained that the substitute broadened the bill beyond hands-on farming to include agricultural education, agribusiness, advocacy, internships, apprenticeships, and other experiential learning, while also lowering the starting age from 6 to 5, removing the requirement that participants have access to farmland, and changing the program into a pilot focused on urban youth. Testimony from a 4-H student and Kentucky 4-H leadership emphasized that the goal is to remove barriers and provide access to agriculture education for all youth, including those in urban areas. Several members spoke in support, noting the value of urban agriculture and youth exposure to the field, and one member asked whether urban community gardens would fit within the concept; the sponsor said the substitute was designed to allow that kind of access. The committee then voted unanimously to pass HB 356 as amended, and also approved a title amendment.
After HB 356, the committee moved to House Bill 315, a foreign adversary land bill intended to limit certain foreign entities’ ability to purchase land in Kentucky. The sponsor said the bill was carried over from a prior version drafted by a former representative. The chair then recognized Tim Shank, general counsel for the Kentucky Bankers Association, who testified in opposition to the mechanics of Section 8 dealing with foreclosure. He said banks are already heavily regulated and must screen borrowers through federal systems such as FinCEN, and warned that the bill’s provisions could create problems for community banks that make agricultural loans and potentially limit access to credit if the issue became widespread. The transcript ends during discussion of HB 315, before any final committee action on that bill is shown.
KY
Kentucky 2026 Regular Session
Senate Standing Committee on Health Service (2-18-26)
Transcript Highlights:
- if you start a loan repayment program, you have to have money to continue to do loan repayment after
- if you start a loan repayment program, you have to have money to continue to do loan repayment after
- > because<00:13:53.920>
if loan repayment pro program because if loan repayment pro program - >
repayment <00:13:55.040>program, <00:13:55.279>you you start a loan repayment - program, you you start a loan repayment program, you have<00:13:55.519>
to <00:13:55.600>have
Summary:
The Health Services Committee heard a presentation from Dr. Steven Stack, Secretary of the Cabinet for Health and Family Services, on Kentucky’s Rural Health Transformation Program. He said Kentucky received about $213 million in federal funding, among the highest awards nationally, after a fast application and negotiation process. He emphasized that the grant is time-limited, must be used for the specific goals in the state’s application, and cannot be treated as a general bailout or replacement for existing funding. He also noted the state will use a website, ruralhealthplan.ky.gov, to share the full application, award terms, and future opportunities.
Dr. Stack outlined five focus areas: maternal health and prenatal/early childhood supports; EMS and trauma response workforce and transfer capacity; behavioral health crisis care through the EMPATH model and mobile crisis services; oral health access through more hygienists, telehealth, and hub-and-spoke models; and rural community hubs for chronic disease prevention and innovation, including food-as-medicine and healthier lifestyle interventions. He stressed that the program is meant to be transformative, not duplicative, and that it cannot pay clinician salaries, fund new construction, replace EMR systems broadly, or duplicate billable services. He said the state will work with community partners, hospitals, universities, and others, including the Foundation for a Healthy Kentucky, to begin implementation.
Members responded positively overall. Senator Berg praised the award and the goal of integrating care across the state, but raised concerns about access to prenatal care and about possible future changes to water fluoridation, warning both could harm children and rural families. The chair and other members thanked Dr. Stack for the update and congratulated him on the award. No votes or formal committee actions were taken during this portion of the meeting.
MN
Minnesota 2025-2026 Regular Session
House Health Finance and Policy Committee 2/18/26
Health Finance and Policy
Transcript Highlights:
- transformation program application. transformation program application.
- . program. program.
- student loan debt. student loan debt.
- fellowship programs.
- the rural health transformation program. the rural health transformation program.
Bills:
HF1925
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 5 on State Administration May 21st, 2025
Transcript Highlights:
- education and outreach, California Workplace Outreach Program, and the Rural Strategic Engagement Program
- , don't approve the 400 million loan.
- We no longer have a program or resources for a program.
- I work for a statewide program.
- I'm sorry can you just say the name of the program that?
KY
Kentucky 2025 Regular Session
Government Contract Review Committee - (3-11-25) - Upon Adjournment
Transcript Highlights:
- The witness said that out of the entire Loan Servicing portfolio of over 28,000 loans, less than 1% is
- They go on site and they evaluate the program on site by evaluating the program."
- They go on site and they evaluate the program on site by evaluating the program."
- "They go on site and they evaluate the program on site by evaluating the program." "What?
- for 21st Century programs.
Keywords:
This meeting will take place upon adjournment of both chambers today. There is not an exact time, there for the live stream has been created with a place holder time of 4:00 PM est., 958, all
Summary:
Chairman Hart called the meeting to order, confirmed a quorum, welcomed Representative Rachel Roarx, and the committee approved the February 11 minutes. The committee then moved through its agenda of PSC and related contract items, including a motion to consider the reviewed contracts without objection. One Department of Highways item was deferred when the virtual representatives were not yet available.
The committee first took up Kentucky Housing Corporation contracts. Members questioned outside legal services for foreclosures and bankruptcies, why the work was not handled entirely in-house, and how much of the workload and cost it represented. Witnesses said the agency’s need was largely geographic rather than a lack of expertise, that less than 1% of the loan portfolio is referred out for foreclosures, and that many fees are reimbursable through FHA. Both Kentucky Housing Corporation items were approved.
The committee then considered a Department for Community Based Services contract tied to a protest and a temporary renewal with PCG. Witnesses said the contract increase was needed to bridge the gap while the protest and RFP process were unresolved, and that the initial vendor received no funds. The committee approved the item, with Senator Douglas explaining his vote as a preference for straightforward answers.
The committee also heard a Northern Kentucky University contract for a Workday ERP replacement, including implementation consulting and separate license fees. University officials explained the move from SAP to Workday, the complexity of the systems, and the need for a consulting partner; they said the total effort would span 10 years and that the contract was priced below comparable institutions. After extensive questioning about cost, budget, and value, the vote ended 4-4 and the chair noted the contract would move forward through the Finance Committee if no disapproval motion was made. Finally, the Office of Inspector General presented a contract for culture change training in nursing facilities funded by civil monetary penalties; witnesses said the goal was to improve staff satisfaction, communication, and resident outcomes, and that the CMP fund balance was about $38 million. Discussion also covered survey backlogs and CMS restrictions on the funds, with the item still under review as the transcript ended.
WA
Washington 2025-2026 Regular Session
Treasurer Mike Pellicciotti / Sen. Adrian Cortes Media Availability Dec 4th, 2025
Transcript Highlights:
- , pay for transportation by getting a car loan, move into their first apartment, which entails signing
- pleasure of working with students at the University of Washington, both in some of the graduate programs
- .pleasure of working with students at the University of Washington, both in some of the graduate programs
- , taxes, digital payments, fintech innovation, and... ...credit, navigating loans, taxes, digital payments
- But we do not explain the difference between a grant or a loan, or how interest rates are good when you
Summary:
Treasurer and legislative supporters held a press event to announce pre-filing of legislation that would require financial education for Washington students as a graduation requirement. Treasurer said the goal is to give young people a foundational understanding of personal finance so they are not dependent on their parents’ money knowledge and can better navigate loans, credit, interest, taxes, housing, and other financial decisions. Senator Adrian Cortes said he is leading the effort in the Senate and described the bill as important for preparing students for adult life and supporting working families and future small business owners.
Testimony from an educator, a financial education nonprofit leader, and a credit union representative all backed the proposal. Vanessa Medina, a Vancouver public school teacher, said students need practical skills for student loans, car loans, leases, and job benefits. Christy Johnson said the financial system is increasingly complex and that financial literacy is a life skill and social justice issue, especially given the wealth gap and the pressures facing young people. Tracy Godat said her organization already has free materials and professional development ready for educators, and Joe Atomack said credit unions see the need every day and can help expand access through school branches and student work experience.
In response to questions, Cortes said the new bill differs from a previous House-passed version mainly by reducing reporting requirements and therefore lowering fiscal impact for districts and OSPI. He said the bill would align with the State Board of Education’s Future Ready process and could take effect by 2033 or earlier, depending on integration. The treasurer said the issue has broad bipartisan support and argued that Washington is behind other states in not already requiring financial education.