Video & Transcript Research : 'foreclosure surplus'

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MN

Minnesota 2025-2026 Regular Session

Repealing requirement to adopt a new residential energy code 3/10/26

Minnesota House Floor Meeting

Transcript Highlights:
  • Um, and we are facing, uh, not only an evictions crisis, but we're also seeing a number of foreclosures
  • c> people<00:36:05.280> who<00:36:05.760> are<00:36:06.079> coming of foreclosures
  • or people who are coming of foreclosures or people who are coming and<00:36:07.040> they're<00
  • 00:36:12.880> after<00:36:13.200> getting<00:36:13.359> a<00:36:13.599> foreclosure
  • <00:36:14.079> notice um after getting a foreclosure notice um after getting a foreclosure
Keywords: 1183, house
Summary: Representative Mecklin moved House File 3545 to the general register and offered a DE amendment that removed the commissioner’s authority to choose a more efficient standard and removed the requirement that the 2038 residential energy code achieve a 70% reduction in annual net energy consumption compared with the 2006 energy use index. The amendment was adopted, and the bill was then discussed as amended. Mecklin said the bill was intended to address home affordability, arguing that energy code requirements add to housing costs and make it harder for younger Minnesotans to buy homes. Several testifiers opposed the bill, including representatives from the Center for Energy and the Environment, AIA Minnesota, Sierra Club, Fresh Energy, Housing First Minnesota, and ARXUS. They argued that energy codes are not a primary driver of housing costs, that stronger codes do not slow housing production, and that more efficient homes lower utility bills and improve comfort, safety, resilience, and climate outcomes. Testifiers cited studies and examples showing payback over time, including estimates that efficiency upgrades could pay for themselves in five to nine years and save homeowners tens of thousands of dollars over 30 years. The Department of Labor and Industry said it had concerns about the bill because it would move away from a more energy-efficient standard and could create unintended consequences in the code adoption process, though it said the current technical advisory group process already considers cost concerns. Members questioned the cost and savings estimates, especially the comparison between higher upfront mortgage costs and lower utility bills. Fresh Energy explained that its figures were based on Pacific Northwest National Laboratory and Slipstream analyses using a typical Minnesota home and that the savings were modeled over time. Representative Johnson expressed skepticism about the assumptions behind the savings numbers and argued that utility costs are not the main barrier to homeownership. The chair said the committee intended to take a vote on the bill that day, but the transcript ends before any final vote or disposition is shown.
FL

Florida 2026 4th Special Session

January 21, 2026 - 01:00 PM

Transcript Highlights:
  • I have a sign and they are understated to court following miss the deadline, the filing for the foreclosure
  • No, that's got to be applied toward the fi so they end up in foreclosure. This is hats happening.
  • has been awarded more than $23,000 in attorney fees placed a lien on my how has actively pursuing foreclosure
  • obtained relief once the state has air chair wise in Florida to weaponize legal fees, lanes and foreclosures
TX

Texas 89th Regular

Delivery of Government Efficiency Mar 26th, 2025

Delivery of Government Efficiency

Transcript Highlights:
  • House Bill 1851 is aimed at improving school safety by granting these districts access to surplus equipment
  • Currently, only law enforcement involved in border security can access surplus DPS vehicles.
  • They show that there's 620 surplus vehicles year in and year out that DPS provides to the Texas Facilities
  • entities under the provisions of the government code, while the remaining 597 vehicles were sold as surplus
  • And these are surplus vehicles that DPS has decided we're done with their use, their life use.
HI

Hawaii 2025 Regular Session

CPC Public Hearing - Wed Mar 19, 2025 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • Community Land Trust is currently working diligently on even pulling families out of foreclosure.
  • Community Land Trust is currently working diligently on even pulling families out of foreclosure.
  • Community Land Trust is currently working diligently on even pulling families out of foreclosure.
  • Senate Bill 332, SD1, HD1, relating to foreclosures. We have L Strong in support. Hello.
  • Moving on to S.B. 332, SD1, HD1, relating to foreclosures.
Keywords: 910, house, all
Summary: The committee met on March 19, 2025, and first heard SB 137 SD2 HD1 relating to electric utilities. The Division of Consumer Advocacy and the Public Utilities Commission said they stood on their written comments, IBEW Local 1260 supported the bill, and Ulupono Initiative also supported it. Hawaiian Electric supported the intent but asked for an amendment, saying the bill’s definition of “acquiring entity” was too broad and could unintentionally cover purely local utility transactions. A later witness from Life of the Land supported the bill only if the merger/acquisition language were removed, arguing the PUC would not have a workable mechanism to let a cooperative intervene in a utility sale process. Committee members questioned whether the bill could still work without that section, and Ulupono said it was open to clarifying language but did not seek to remove the provision; the discussion ended without a vote in the excerpt provided. The committee then took up SB 1220 SD2 relating to a renewable gas tariff. The Division of Consumer Advocacy and the PUC again stood on written comments. HGas strongly supported the measure, saying it would create a faster, more cost-effective path for a voluntary renewable gas tariff without requiring a full rate case, while preserving PUC oversight and consumer protections. The Coalition for Renewable Natural Gas also supported the bill, emphasizing that it would expand consumer choice and help Hawaii’s clean energy goals while keeping the program voluntary and shielding non-participating customers from costs. Henry Curtis of Life of the Land opposed the bill, arguing that HGas already had an active rate case and could have raised the issue there, and that the proposal did not increase renewable gas supply or speed up acquisition; he called it a gimmick. In response, HGas said the bill was mainly a mechanism to speed filing and that the details would be worked out in a PUC docket. Committee members pressed HGas on whether the measure would actually add renewable gas, what source would be used, and whether customers would simply be paying more for the same gas; HGas said it had two projects in development, including banagrass and hydrogen-related work, and that the tariff would be a voluntary opt-in rate for customers seeking renewable natural gas to meet sustainability goals. No vote was taken in the excerpt provided.
FL

Florida 2026 5th Special Session

FL House Floor Session - 2025-06-16 (7:00PM Session)

Florida House Floor Meeting

Transcript Highlights:
  • In my county, foreclosures are up. And they're up because of our insurance.
  • The current statute says the term 'underused, vacant, or surplus facility' means an entire facility or
  • I will point out that the inventory of underused, vacant, or surplus facilities is set forth every year
  • If there's a facility that falls under that list of underused, vacant, or surplus, then the answer would
  • If a district has that surplus, vacant, underutilized facilities, they have to make that available; it's
Summary: The House met on the final day of session, swore in Representatives Boyles and Hodgers, and observed a moment of silence for the Minnesota House Speaker Melissa Hortman and her husband, as well as for Representative Rosenwald’s father. The chamber then moved into final budget work, with leaders outlining the plan to take up H.J.R. 5019, HB 7031, HB 5017, HB 5015, and then the general appropriations act once the Senate transmitted it. H.J.R. 5019, a proposed constitutional amendment to expand the budget stabilization fund, was explained and amended to raise the rainy day fund cap, require annual deposits, and allow withdrawals for critical state needs by a two-thirds vote; it passed 100-1. The House then adopted the conference report on HB 7031, the tax package. The bill repeals the business rent tax and aviation fuel tax, delays the natural gas fuel tax, creates or expands several sales tax holidays and exemptions, including permanent exemptions for disaster-preparedness items, hunting/fishing/camping items, and ammunition and firearms-related purchases, and makes changes to property, corporate income, local tax, and economic development provisions. Members debated the removal of recurring housing trust fund and transit-related revenue streams, the new ammunition exemption, and the data center tax changes; supporters argued the package reduces taxes and preserves annual budget flexibility, while opponents raised concerns about housing, transportation, and gun violence. The conference report passed 93-7. HB 5017, creating a debt reduction program funded by a recurring transfer to retire state bonds early, passed unanimously. HB 5015, the state group insurance conforming bill, which directs DMS to develop a formulary management plan and codifies the administrative health insurance assessment, also passed. The House then began explanation and questions on the fiscal year 2025-26 general appropriations act, described as a $115.1 billion budget that is down $3.8 billion from the current year and includes more than $12 billion in reserves. Subcommittee chairs summarized major spending areas, including pre-K-12 funding increases, health care funding for Medicaid, KidCare, nursing homes, opioid treatment, and mental health, transportation and economic development funding, environmental and water projects, higher education, state administration, justice, and information technology. Questions focused on school vouchers, inflationary pressures on school districts, and the adequacy of funding for housing, transportation, and other priorities.
FL

Florida 2026 Regular Session

FL House Floor Session - 2025-06-16 (7:00PM Session)

Florida House Floor Meeting

Transcript Highlights:
  • In my county, foreclosures are up, and they're up because of our insurance.
  • The current statute says the term underused, vacant, or surplus facility means an entire facility or
  • I will point out that the inventory of underused, vacant, or surplus facilities is set forth every year
  • If there's a facility that falls under that list of underused, vacant, or surplus, then the answer would
  • If a district has surplus, vacant, underutilized facilities, they have to make them available.
Summary: The House convened on the final day of session, observed a moment of silence for the Minnesota House Speaker Melissa Hortman and her husband, and for Representative Rosenwald’s father, then swore in and seated new members Boyles and Hodgers. The Speaker also outlined the chamber’s end-of-session priorities, including action on the budget and related conforming bills. The House then took up H.J.R. 5019, a constitutional amendment to expand Florida’s budget stabilization fund by raising the cap, requiring annual transfers, and allowing withdrawals for critical state needs. After sponsor explanations and questions about what would qualify as a critical need and how the fund might respond to possible federal funding cuts, the House adopted an amendment that added more flexibility for suspending transfers and withdrawals. The joint resolution then passed on final passage. Members next considered HB 7031, the tax package conference report. The bill repeals the business rent tax and aviation fuel tax, delays the natural gas fuel tax, creates or extends several sales tax exemptions and holidays, and makes changes affecting property taxes, local taxes, pari-mutuel taxes, and revenue distributions. Debate focused heavily on the new permanent exemption for ammunition and hunting-related items, the elimination of recurring housing trust fund and transit-related distributions, and the shift of some funding from recurring to nonrecurring status. Supporters argued the package provides tax relief and preserves annual budget flexibility, while opponents criticized the ammunition exemption and the reductions in recurring housing and transit support. The conference report was adopted and the bill passed. The House then passed HB 5017, which creates a debt reduction program funded by a recurring transfer from general revenue to retire state bonds early, and HB 5015, the state group insurance conforming bill, which directs DMS to develop a formulary management plan and codifies the administrative health insurance assessment. Finally, the chamber began explanation and questions on the General Appropriations Act conference report for fiscal year 2025-26, described as a $115.1 billion budget that is down from the current year and includes more than $12 billion in reserves. Subcommittee chairs summarized major budget areas, including K-12 education, health care, transportation and economic development, agriculture and natural resources, higher education, state administration, justice, and information technology, highlighting funding for school choice, Medicaid, housing, transportation infrastructure, Everglades restoration, workforce programs, cybersecurity, and technology modernization.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Housing Jun 21st, 2026 at 01:00 pm

Joint Committee on Housing

Transcript Highlights:
  • We represent tenants and low-income homeowners facing eviction and foreclosure in Boston, Springfield
  • housing justice organizations we represent tenants and low-income homeowners facing eviction and foreclosure
  • member organizations, particularly in western Massachusetts, are still supporting residents fighting foreclosure
  • I'll end with saying we also know that foreclosure continues to be an issue, and we want to see foreclosure
  • We need to do that by preventing foreclosures, as Carolyn mentioned.
Keywords: 995, all
Summary: The Joint Committee on Housing held its second introductory hearing to frame the session’s housing agenda. Chairs Cyr and Haggerty described the hearing as a chance to hear a wide range of perspectives on Massachusetts’ housing crisis, including underbuilding, zoning and permitting barriers, rising costs, and the need for both state and local action. The committee heard from court, municipal, advocacy, and regional housing leaders, with recurring themes of increasing supply, preserving existing housing, preventing displacement, and expanding resources for renters and homeowners. Chief Justice Diana Horan of the Housing Court said the court is handling more than 40,000 new filings annually with only 15 judges, and estimated the court would need about 21 judges to meet demand. She described complications from RAFT-related stays, mental health and guardianship issues, aging housing stock, and the new eviction sealing law, which she said was being implemented smoothly but may require additional resources if filings continue to rise. The Massachusetts Municipal Association and MAPC emphasized that municipalities need flexibility, funding, and better tools such as MassWorks, Housing Works, H-DIP, 40R reforms, inclusionary zoning changes, and a local option transfer fee; they also said local control concerns and long permitting timelines remain major barriers. MAPC and others stressed that supply growth alone will not solve the crisis and urged continued support for subsidized housing, access to counsel, and modular/off-site construction. Advocates and housing providers focused on displacement, preservation, and tenant protections. Homes for All Massachusetts and Mass Law Reform Institute called for rent stabilization, stronger tenant protections, foreclosure prevention, elimination of junk fees, continued funding for RAFT and HomeBASE, and expanded access to counsel. Mass Union of Public Housing Tenants said the state needs far more extremely low-income housing, more operating subsidy, and major investment to repair public housing, while also supporting tenant technical assistance during redevelopment. Franklin County’s housing authority warned that rural communities are being left out of many state programs and asked for a rural LIHTC set-aside, a permanent rural credit boost, and a review of housing choice programs. A Massachusetts Taxpayers Foundation researcher presented findings that communities that add housing generally see stronger municipal finances, and that housing growth can improve property tax and state aid outcomes. Seasonal community representatives from Cape Cod, Martha’s Vineyard, and Nantucket described extreme affordability pressures and the need for tailored tools. Nantucket’s housing trust chair said the island has made progress through local funding, inclusionary zoning, and deed-restricted units, but still needs a real estate transfer fee and faster ways to preserve year-round housing. Across the hearing, members and witnesses repeatedly returned to the need for a mix of production, preservation, tenant protections, and local flexibility, rather than relying on any single policy solution.
MN

Minnesota 2025-2026 Regular Session

Committee on Housing and Homelessness Prevention - 03/05/26

Housing and Homelessness Prevention

Transcript Highlights:
  • They were foreclosures or short sales.
  • They were<00:13:41.040> foreclosures<00:13:41.880> or<00:13:41.960> short<00:13:
  • were foreclosures or short sales. were foreclosures or short sales.
  • And I didn't realize it in foreclosure.
  • uh home is going into foreclosure uh home is going into foreclosure and<00:29:07.680> looking
Keywords: 1187, senate, all
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Monday, April 7, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • <04:31:09.279> It foreclosure. VASP was working. It foreclosure. VASP was working.
  • VA is taking a misstep that will push thousands of veterans into foreclosure.
  • . foreclosure. foreclosure.
  • This is cruel, wrong, and foreclosure.
  • Critics of VASP who who foreclosure.
MN

Minnesota 2025-2026 Regular Session

House Housing Finance and Policy Committee 2/24/26

Housing Finance and Policy

Transcript Highlights:
  • Are we seeing foreclosures or short sales? And the answer's not really.
  • Are we seeing foreclosures or short sales? And the answer's not really.
  • Are we seeing foreclosures or short sales? And the answer's not really.
  • Are we seeing foreclosures or short sales? And the answer's not really.
  • Are we seeing foreclosures or short sales? And the answer's not really.
Keywords: 1183, house
MN

Minnesota 2025 1st Special Session

House Housing Finance and Policy Committee 3/18/25

Housing Finance and Policy

Transcript Highlights:
  • In terms of a person dying or a person who is going through foreclosure, it would come down to this:
  • Paul, when a building goes through foreclosure, everybody ends up out on the streets and homeless.
  • Paul, when a building goes through foreclosure, everybody ends up out on the streets and homeless.
  • Paul, when a building goes through foreclosure, everybody ends up out on the streets and homeless.
  • Paul, when a building goes through foreclosure, everybody ends up out on the streets and homeless.
AL

Alabama 2026 1st Special Session

Alabama Senate Fiscal Responsibility and Economic Development Committee Apr 1st, 2026

Fiscal Responsibility and Economic Development

Transcript Highlights:
  • But to those people that don't have another option, that truly do not, their home is in foreclosure
  • that truly do not, their home<00:10:51.360> is<00:10:51.440> in<00:10:51.520> foreclosure
  • home is in foreclosure home is in foreclosure >> I<00:10:51.920> said,<00:10:52.560
Bills: HB586
Keywords: 923, senate, all
AZ

Arizona 2026 Regular Session

03/19/2026 - House Artificial Intelligence & Innovation

Artificial Intelligence & Innovation

Transcript Highlights:
  • going to throw in one more thing: How many of these veterans today are currently going through foreclosure
  • going to throw in one more thing: How many of these veterans today are currently going through foreclosure
  • There's some veterans that aren't at risk of foreclosure. There's some people.
  • There's some veterans that aren't at risk of foreclosure.
Bills: SB1020
Summary: The committee first took up Senate Bill 1020, which would create Arizona Space Commission special license plates and direct a portion of the plate fee to the Space Exploration and Aeronautics Research Fund. The bill’s sponsor and the Arizona Space Commission chair testified in support, emphasizing Arizona’s growing space industry, the need for a funding stream for the commission, and the bill’s role in promoting aerospace jobs, education, and economic development. They noted a planned floor amendment to extend the implementation deadline from 2026 to 2027. Members expressed strong support and highlighted Arizona’s competitiveness in space-related activity. The committee then heard a presentation from Deloitte on artificial intelligence in government. Deloitte described how AI and predictive analytics can improve state services, but stressed concerns about accountability, data quality, privacy, workforce impacts, and responsible use. The presentation used examples from public-sector data integration and predictive modeling, including how AI can help identify veterans who may qualify for benefits or other outreach, while cautioning that such tools should not be used for yes-or-no eligibility decisions. Members asked about data sources, accuracy, minors, privacy protections, and safeguards, and Deloitte said it follows a trust-and-governance framework and could provide more information later. Finally, the committee heard from Pano AI on wildfire detection technology. The presenter explained that the company uses camera towers, AI, and human review to detect smoke early, provide location data to responders, and improve initial attack on wildfires. She said the system is already deployed across Arizona through utilities, state agencies, and local departments, with more installations planned, and described examples where early detection helped contain fires and support evacuation and jurisdictional response. Members asked about coverage, weather limitations, funding, and future capabilities, and the presenter said the technology is a tool that will continue improving through better prediction and integration with other fire-management systems. The committee adjourned after the presentations.
KY
Transcript Highlights:
  • are subject to the same requirements as other third-party purchasers in terms of collections and foreclosures
  • third-party purchasers in terms of other third-party purchasers in terms of collections<00:03:26.239> foreclosures
  • <00:03:27.120> to<00:03:27.400> protect collections foreclosures to protect collections
  • foreclosures to protect Property<00:03:28.439> Owners<00:03:28.799> Mr<00:03:29.000>
Summary: The Senate Standing Committee on Economic Development, Tourism, and Labor met and first took up SB 129, with a committee substitute adopted before testimony. The bill would allow certain qualified third-party entities in Louisville Metro, including public bodies and long-standing nonprofits, to purchase certificates of delinquency on vacant and abandoned residential properties after 90 days, with the goal of returning blighted property to productive use and back on the tax rolls. Several members supported the measure as a tool for housing and economic development, while Senator Boswell and Chair Willer noted concerns about protecting vulnerable property owners, such as widows, the elderly, and people with disabilities. SB 129 was approved by the committee with favorable expression. The committee then heard SB 178, which updates statutes related to the Education and Labor Cabinet by moving the Office of Vocational Rehabilitation’s Division of Program Policy into statute, renaming Business and Apprenticeship to Industry and Apprenticeship, and making related organizational changes. Testimony from cabinet staff said the changes reflect work already being done and that a floor amendment would be needed for one additional correction. The bill was advanced unanimously with favorable expression. Next, the committee considered SB 151, which would bar state tax dollars from being used to pay persons not legally present in the United States. The sponsor argued the bill was needed to prevent Kentucky funds from going to undocumented workers on state job sites, while Senator Wheeler questioned what the bill would change beyond existing law and how such payments would occur through contracts or appropriations. Senator Yates said he was not opposed to the premise but wanted more time to review the bill’s mechanics, and Senator Thomas voted no for the same reason. Despite those concerns, SB 151 passed with favorable expression. Finally, the committee heard SB 2011, a workers’ compensation bill that would delay newly appointed administrative law judges from taking office until Senate confirmation, extend current ALJ terms through June 1 of next year, and allow retention votes for board members to improve stability and attract more applicants. The sponsor said the bill addresses a loophole that can discourage qualified candidates from applying because they may have to leave private practice before confirmation. After a question about whether the bill would affect salaries, the sponsor explained compensation is set by statute and caseload need is separately reviewed. The bill received favorable expression and the meeting concluded with no further business.
TX

Texas 89th Regular

Ways & Means Apr 21st, 2025

Ways & Means

Transcript Highlights:
  • So they posted it for a foreclosure. So how do I know that?
  • No one, there is no, for delinquent taxes, it's not. a non-judicial foreclosure, is that correct?
  • But what this bill is amending are the steps before you even get to foreclosures. Is that right?
  • Guaranteed by certified or by in-person delivery before a foreclosure suit is institute.
  • It's not about foreclosure. This bill is about giving notice before the attorney's fees attaches.
AZ

Arizona 2026 Regular Session

03/26/2026 - House Government

Government

Transcript Highlights:
  • Essentially last year, a bill was passed that changed the foreclosure thresholds for planned communities
  • assessments that's greater than $10,000, only the 18-month threshold of delinquency applies to foreclosure
  • association, and addresses the vulnerability of a special assessment and a threat of immediate foreclosure
  • If you owe $1 at the end of when it's due, your home could be processed for foreclosure. Okay.
Keywords: 1182, all
Summary: The Committee on Government opened with a lengthy chair statement about Department of Child Safety oversight, describing prior hearings that identified systemic failures in communication, child placement oversight, response times, transparency, and accountability. The chair said the committee would continue pursuing reforms through legislation and ongoing reporting requirements. During that discussion, members also raised concerns about child trafficking in congregate care settings and the need for separate legal representation for child victims, which was tied to recommendations and a bifurcation bill. The committee then considered and advanced several bills. SB 1141, concerning presidential electors if a candidate dies, withdraws, or becomes incapacitated before the Electoral College meets, received testimony in support from election-law and ethics groups and passed 4-3. SB 1186, requiring disclosure of things of value given by companies or their affiliates when seeking government contracts or grants, also passed 3-3 after a tie-breaking due-pass outcome. SB 1808, allowing certain flags, including the Israeli flag, to be displayed in HOA communities, passed 4-3. SB 1050, as amended, would create a lifetime free state parks pass for qualifying veterans and a related Game and Fish license provision; state parks and Game and Fish testified about fiscal impacts and requested further work, but the bill passed 6-0 with one present vote after the amendment was adopted. The committee also passed SB 1140, which creates a court-based expungement process for certain misdemeanor records, especially for trafficking survivors and others who have remained crime-free for five years; survivor advocates, anti-trafficking organizations, and legal service providers testified in support, and the bill passed 7-0 after an amendment clarifying limited uses of expunged records. SB 1437, requiring public records to be provided in the least expensive available format and favoring electronic delivery, passed 4-3 amid debate over transparency versus agency costs. SB 1246, raising the delinquency threshold before condominium lien foreclosure, passed 7-0. SB 1664, lowering signature requirements for constable nomination petitions in large counties, passed 7-0. SB 1338, addressing eligibility for state or local public benefits for certain noncitizens and unauthorized persons, passed 4-3. The committee adjourned after the final vote.
MN

Minnesota 2025-2026 Regular Session

Judiciary Committee Meeting - 2026-03-26

Judiciary Finance and Civil Law

Transcript Highlights:
  • <00:05:05.240> sections, of interest, the foreclosure sections, of interest, the foreclosure
  • On the foreclosure front, we seek to really, with this section, create greater parity between non-HOA
  • It limits foreclosure to unpaid assessments over 3 months and prohibitions on foreclosure for minor fees
  • uh on foreclosure for minor fees.<00:07:14.680> Um<00:07:15.160> which<00:07:15.360>
  • in foreclosure is not retaliation.<00:08:11.320> Um,<00:08:11.760> and<00:08:12.360>