Video & Transcript Research : 'Texas Insurance Code'
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FL
Florida 2026 5th Special Session
Appropriations Committee on Criminal and Civil Justice Jan 28th, 2026
Transcript Highlights:
- We're the largest insurer of physicians in the country and the largest insurer of physicians in the state
- This is exactly what we saw in Texas and Arizona.
- The last thing that Floridians need is another insurance crisis.
- The last thing that Floridians need is another insurance crisis.
- That is how Texas has decided to enforce their abortion laws.
Summary:
The committee heard a lengthy presentation from Miami-Dade State Attorney Catherine Fernandez-Rundle on human trafficking, describing it as a major criminal enterprise in Florida driven by online recruitment, local victims, and organized traffickers. She outlined Miami-Dade’s task force, victim-centered prosecution practices, training efforts for schools, hotels, transit workers, and other partners, and community-supported services such as the Project Phoenix shelter and Thrive Clinic. She also urged better interstate communication about known traffickers and noted that prior legislative changes, including restrictions on tattooing minors, came from trafficking cases. Senators asked about school-based exploitation, technology and social media recruitment, and information-sharing with other states; Fernandez-Rundle said training and technology remain essential and offered to share materials and tour the facility.
The committee then considered CS for SB 656, which Senator Bradley said would codify FDLE’s Internet Crimes Against Children Task Force funding program and rename/expand the online sting operations grant program to better support investigations, training, technology, and personnel. The bill was supported as a needed response to online child exploitation and was reported favorably by unanimous roll call. The committee also passed SB 892 by Senator Martin, which streamlines sentencing procedures for habitual felony offenders and related designations by reducing paperwork delays tied to clemency and requiring clearer notice before pleas; it too was reported favorably unanimously.
The most extensive debate centered on SB 164, which would expand Florida’s Wrongful Death Act to allow civil damages for the death of an unborn child. Senator Graal said the bill uses existing statutory language defining an unborn child and is intended to let parents recover damages when negligence causes a pregnancy loss. Supporters argued it recognizes unborn life and should be strengthened; opponents warned it would function as a personhood measure, create liability risks for doctors, businesses, friends, and family members, chill miscarriage and abortion-related care, and worsen Florida’s OB-GYN shortage. Several speakers raised concerns about abuse by rapists or abusive partners and about impacts on IVF and emergency care. The committee heard extensive questioning about the bill’s scope and its relationship to existing criminal statutes, but no vote on SB 164 was taken in the portion provided.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, April 9, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- housing and insurance subcommittee. Mr. housing and insurance subcommittee. Mr.
- The gentleman from Texas, Mr. design. The gentleman from Texas, Mr.
- Gentleman from Texas. Mr.
- The code got more progressive.
- Gentleman from Texas is recognized. The gentleman from Texas is recognized. Mr.
MN
Minnesota 2025-2026 Regular Session
Repealing requirement to adopt a new residential energy code 3/10/26
Minnesota House Floor Meeting
Transcript Highlights:
- Minnesota's residential energy code Minnesota's residential energy code hasn't<00:03:01.280>
- codes do not slow down home building. codes do not slow down home building.
- It's been, you know, about what this code does, what this next code does.
- does, what this next what what this code does, what this next code<00:15:30.800>
does. - We see this code in Colorado, and what we're asking for is to just adopt the base model code.
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.
LA
Transcript Highlights:
- Landry, are there current CPT codes that the EMTs can bill?
- You can bill it under that, or you can have an additional code.
- Some of them allow it under a different code, but allowing a different code should not be that big of
- You can in Texas, and you can in Florida.
- You can in Texas and you can in Florida.
Keywords:
informed consent, healthcare, medical procedures, patient rights, surgeon general, regulatory review, adult residential care, generators, emergency power, health safety, Louisiana Department of Health, compliance, regulations, child welfare, Department of Children and Family Services, mandatory reporting, abuse prevention, investigative teams, child ombudsman, forensic interviews
Summary:
The House Committee on Health and Welfare met on April 28 with a quorum and took up several health-related bills. SB 113, concerning the local health care provider participation program in Calcasieu Parish, was amended with a technical set and reported favorably with amendments after the author explained it would shift the local sponsor from the parish to the city. SB 23, which exempts certain assisted living facilities from the definition of food service establishment, was reported favorably. SB 150, allowing LDH to scan and return supporting documents for vital records changes, was also reported favorably. SB 221, which would allow EMS providers to be reimbursed by Medicaid for treating patients on scene without transport, drew questions about billing, coding, and implementation but was reported favorably, with members noting it could reduce unnecessary ER use and costs.
NM
New Mexico 2025 Regular Session
House - Energy, Environment and Natural Resources Jan 28th, 2025
House Energy, Environment & Natural Resources
Transcript Highlights:
- We've also shared a basin with Texas.
- in this state a more severe tax and regulatory policy than Texas.
- So what does this do to insurance rates?
- If that happens over and over with batteries, I can see homes not being insurable.
- I see people. then pulling out the systems so that they can have insurance.
TX
Texas 89th 2nd C.S.
Health Care Affordability, Select Apr 30th, 2026
Health Care Affordability, Select
Transcript Highlights:
- We have the Chair of Insurance.
- I'm talking about folks that either have government-sponsored insurance or private insurance.
- insured.
- Small employers used to mostly be fully insured and regulated by the Texas Department of Insurance, but
- You know, Therefore, the insurers are actually not being insurers now.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Mar 19th, 2025
Transcript Highlights:
- Sustainable Insurance Strategy.
- stabilize the insurance market and incentivize insurers to write policies in California.
- that the insurance...
- commercial insurance, but we also have to mitigate risk for insurance companies as well, right?
- do I need insurance?
Summary:
The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0.
The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026.
Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Friday, January 9, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- And to make matters worse, insurance.
- :16.640>
chairman <01:03:17.039>with and insurance subcommittee chairman with and insurance - <01:03:55.920>
really manufactured housing codes really manufactured housing codes really - <02:09:39.280>
The insurance for their families. The insurance for their families. - 3rd, 2025, the gentleman from Texas, Mr. 3rd, 2025, the gentleman from Texas, Mr.
TX
Texas 89th 2nd C.S.
S/C on Family & Fiduciary Relationships Mar 31st, 2025
S/C on Family & Fiduciary Relationships
Transcript Highlights:
- This bill makes it clear that the Texas Family Code, that the Texas Family Code that another person or
- One of these is um chapter, Texas Family Code chapter 32.003.
- This addresses inconsistencies within the Texas Family Code, uh, in Title 12, and 5 does not, uh, apply
- Um, throughout the Texas Family Code, there are multiple references to attorneys' fees, um, but the standards
- And so the Texas Family Code currently, again, grants sole managing conservators various exclusive rights
TX
Transcript Highlights:
- Section 153002 Texas Family Code states, and I'm quoting from the statute here, of the child shall always
- Texas Family Law Foundation, and we are neutral on Senate Bill 2052.
- I'm an attorney in Galveston, Texas.
- or a PCS. under Chapter, under Section 264 of the Family Code.
- I'm an attorney in Galveston, Texas, and president of the Texas Association of Family Defensives. attorneys
Keywords:
judicial bond, guardianship, probate law, county judge, statutory county court, attorney general, criminal prosecution, public order, law enforcement, jurisdiction, attorney ad litem, parent-child relationship, compensation, legal representation, government entity, probate, court proceedings, record delivery, wills, legal documentation
TX
Transcript Highlights:
- I'm a veteran of Texas. I'm in Senate District 25, New Braunfels, Texas.
- gold would stay in Texas.
- And then, as we know, Texas banks pay into, they pay insurance premiums into the DIF, which is the Deposit
- Insurance Fund.
- I live here in Texas, Lago Vista, Texas.
Bills:
HB42
Summary:
The committee heard Senator Flores lay out the committee substitute for HB 2894, which would expand state reimbursement eligibility for local governments disproportionately affected by the disabled veterans homestead exemption. Flores said the bill would add certain municipalities in Bell, Coryell, and Lampasas counties if lost ad valorem tax revenue equals or exceeds 10% of general revenue, while existing recipients would remain under the current 2% threshold. Lampasas and Bell County officials and the City of Killeen testified in support, describing significant revenue losses and urging adequate funding. One witness, Howard Avery, argued any reimbursement should be counted as property tax revenue for voter-approval rate purposes to avoid a windfall. The committee later adopted the substitute and reported the bill favorably, with one nay.
The committee also heard SB 782, which would create a temporary severance tax exemption for restimulated inactive oil and gas wells, intended to encourage investment in mature wells. The Comptroller explained the revised fiscal note as effectively zero because the wells are currently marginal and not generating meaningful tax revenue, while industry witnesses said the bill could extend well life, support local economies, and reduce orphan-well liabilities. Public testimony was supportive, and the bill was left pending.
Members then heard HB 3033, a DPS-related grant program funded by voluntary $3 donations on driver’s license and ID applications to support nonprofits aiding injured or fallen DPS officers and their families, including memorial highway signs. The DPS Officers Association supported the bill, citing existing foundation assistance and the need for a steady funding stream. The committee later reported the bill favorably. The committee also considered SB 524, which would permanently extend the franchise tax and fee exemption for qualifying veteran-owned businesses for their first five years; testimony from a veteran business owner and veterans advocates supported the measure, and the committee adopted the substitute and reported it favorably.
Additional measures were laid out and left pending or voted out: HB 3594, a local San Antonio retiree health care fund bill with agreed changes for contributions, spouse benefits, and remarriage rules, was supported by stakeholders and reported favorably; HB 4738 would repeal small administrative fees tied to certain loans and was reported favorably; HB 42 on HEAF funding and HB 5246 on the Texas Space Commission were heard and left pending. The committee also reported HB 3474, a cleanup bill for the Pension Review Board’s investment performance review schedule, and HB 2802, the Austin firefighter retirement fund bill, both favorably. Finally, the committee took up HB 1056, which would allow gold and silver held in the Texas Bullion Depository to function as legal tender through debit-card transactions. Supporters framed it as a way to use hard assets and expand financial options, while bankers and some senators raised major operational, consumer-protection, tax, and constitutional questions; the bill remained under discussion as testimony began.
TX
Texas 89th 2nd C.S.
Pensions, Investments & Financial Services Apr 7th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- We regulate money services businesses under Chapter 152 of the Texas Finance Code.
- Just really quickly in terms of, in Texas Finance Code, the definition of a digital asset provider is
- Under Chapter 712 of the Texas Health and Safety Chairman Lambert: Code, the Texas Department of Banking
- Finance Code.
- Finance Code.
OK
Bills:
SB372, SB1224, SB1232, SB1264, SB1330, SB1381, SB1441, SB1450, SB1589, SB1618, SB1936, SB1980, SB2011, SB2030
Keywords:
SB372, firearms, gun rights, lawful carry, concealed carry, open carry, handgun license, Oklahoma Self-Defense Act, weapons policy, gun law, school safety, private school, public school, college campus, university campus, technology center, courthouse, government buildings, municipal buildings, county courthouse
ND
North Dakota 2026 1st Special Session
Emergency Response Services Committee Feb 25th, 2026 at 10:00 am
Transcript Highlights:
- I don't understand fire insurance premium taxes. We have insurance premium taxes.
- Is this the same as what our Fire insurance premium taxes. We have insurance premium taxes.
- insurance.
- Workforce Safety and Insurance provides insurance for them.
- Current Century Code, everything you've discussed with us this morning is that. current century code
Summary:
The committee was called to order, a quorum was established, and the minutes from the prior meeting were approved. The first major presentation came from Montana Public Employees Retirement System executive director William Hollahan, who gave an overview of Montana’s Volunteer Firefighters’ Compensation Act plan. He explained that the plan covers volunteer firefighters in unincorporated areas, is funded by 5% of state fire insurance premium taxes, and currently serves 228 departments with about 2,936 active members and 1,242 retirees. He described eligibility rules, annual training and reporting requirements, benefit levels for partial and full pensions, disability, death, medical, and funeral benefits, and said the plan is actuarially sound with roughly $60 million in assets and a funded ratio slightly above 100%. Committee members asked about prior-service credit, whether EMS personnel are included, the effect on recruitment and retention, and whether expanding coverage would require a funding analysis; Hollahan said prior service is not credited, EMS is not currently included, and any expansion would need financial review.
Tim Walleen of Workforce Safety and Insurance then presented a draft North Dakota workers’ compensation solution for volunteer firefighters and volunteer EMS personnel. He explained that volunteer responders are already covered by workers’ comp for medical and wage-loss benefits, but the proposal would set a minimum annual wage of $30,000 for calculating wage-loss benefits for qualifying volunteers, with the benefit paid at two-thirds of that amount. Representative Porter suggested tying the volunteer definition to existing code rather than a fixed dollar amount, and Walleen agreed. Questions focused on whether search and rescue or other volunteer emergency services could be included, whether departments would face new paperwork, and whether volunteer organizations can already elect coverage; Walleen said there would be no additional paperwork and that volunteer coverage is already available.
The committee also heard from volunteer fire service representatives and the state fire marshal. An Oakes-area firefighter, Mr. Olson, testified that small departments are struggling with retention, communication, and administrative burdens, especially around separate bookkeeping and funding rules for donated or fundraising money, and he said departments need clearer guidance from the state. State Fire Marshal Dr. Matthew Clark introduced himself and outlined a broader effort to improve education, support, and coordination for fire departments, including a planned 10% audit of certificates of existence beginning in 2027, more outreach through his office, and better assistance with training, reporting, and grant access. He said his office is authorized under current law to provide these services, but the role has been vague and underused. Finally, Arnagard Rural Fire District Chief Rick Schreiber testified in favor of new recruitment and retention ideas, including retirement-style benefits, health insurance, tax incentives, scholarships, grants, and more remote or regional training. He said volunteer departments are losing members, that local tax and donation funds are already stretched, and that any new retirement or incentive program should be sustainable and likely involve a mix of state and local support.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, September 16, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- I yield three minutes to the gentleman from Texas, Mr. Doggett.
- Comer: I yield another minute to the gentleman from Texas.
- COMER: I YIELD ANOTHER MINUTE TO THE GENTLEMAN FROM TEXAS.
- Your government is functionally an insurance company with an army.
- YOUR GOVERNMENT IS FUNCTIONALLY AN INSURANCE COMPANY WITH AN ARMY.
TX
Transcript Highlights:
- The substitute amends section 11.059E of the Education code.
- Also, the substitute adds the repeal of Section 11.059F and G of the Education code.
- and is eligible to participate in the group benefits program under Chapter 1551 of the Insurance Code
- House Bill 824 builds on the Texas Education Code, which outlines curriculum requirements for public
- This bill creates the Texas state seal of bilingualism and biliteracy.
Bills:
HB178
FL
Florida 2026 Regular Session
FL House Floor Session - 2026-01-15 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- We have seen this in Texas.
- We have seen this in Texas.
- We have seen it happen in Texas.
- This bill has been passed in Texas, Arizona, and Alabama. In Texas, we saw frivolous lawsuits.
- We already have an insurance crisis in the state. We talk about liability insurance.
Summary:
The House convened with prayer, the Pledge of Allegiance, and quorum established, then adopted the Rules and Ethics Committee’s special order report for the day. The chamber first took up HB 167 on former phosphate mining lands. Sponsor Rep. McClure said the bill would remove strict liability for previously mined phosphate lands if a Department of Health study is done at the owner’s request and the former mining status is recorded publicly. Opponents, including Reps. Cross, Nixon, and Eskamani, argued the bill did not provide enough notice to future buyers and renters and could create health and disclosure concerns. The bill passed 87-24.
The House then passed HB 145 on suits against the government, which Rep. McFarland said updates Florida’s sovereign immunity caps for the first time since 2010, raising them to $500,000 per person and $1 million per incident with future automatic increases, aligning the statute of limitations with private claims, and allowing governments to settle above the caps if they choose. He said the bill would make redress more accessible without eliminating the liability shield. The bill passed 104-7.
The chamber then considered CS/HB 289 on civil liability for the wrongful death of an unborn child, a bill by Rep. Greco that would amend the Wrongful Death Act to allow parents and other survivors to bring claims for the death of an unborn child, while exempting the mother and lawful medical care provided within the standard of care. Debate centered on whether the bill could affect abortion access, fertility treatment, miscarriage care, surrogacy, and liability for doctors, friends, family members, and others. Multiple amendments were offered to narrow the bill or add carve-outs for abortion, fertility care, surrogates, perinatal professionals, rape/incest/human trafficking situations, and to require the mother’s consent before suit; sponsors and opponents argued over whether these changes would prevent frivolous lawsuits or instead create loopholes and weaken the bill. None of the amendments were adopted during the portion of the transcript provided.
TX
Texas 89th 2nd C.S.
Licensing & Administrative Procedures Apr 29th, 2025
Licensing & Administrative Procedures
Transcript Highlights:
- is Dean Thompson's bill that we previously voted out relating to combating human trafficking by the Texas
- McQueeney's bill relating to the insurance.
- The Texas Medical Board has disciplinary oversight over physicians.
- Under current law, the Texas Department licensing regulation must update the Texas Workforce Commission
- Additionally, inconsistency in the definition of a license holder between labor code and occupation code
FL
Florida 2025 Regular Session
Banking and Insurance Mar 25th, 2025
Transcript Highlights:
- code much be reviewed and decided by qualified human professional.
- We're going to take up strike All Amendment bar code 2, 2, 7, 3, 1, 2, Without objection.
- agent or an insurance company.
- They certainly, you know, talk to their insurance agents and the insurance companies that will help guide
- agent and insurance companies. >> Senators, any other questions of the bill sponsor?
TX
Transcript Highlights:
- Two, serving the children of Texas through the enforcement of the state's child support laws.
- I ask that you continue to support them in the work that they do for Texas.
- You've got to go through your insurance.
- I don't want my insurance premiums to go up because I reported it to the insurance company.
- I want businesses in Texas.
Bills:
SB 1
Keywords:
campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, Attorney General, budget recommendations, funding swaps, salary increases, Landowner's Compensation Program, public testimony, law enforcement
Summary:
The meeting focused on the budget recommendations for the Office of the Attorney General (OAG), where key issues included the proposed decrease of $163.9 million for the 2024-25 biennium and various methodology swaps for funding. Attorney General Paxton discussed ongoing litigation expenditures and emphasized the need for continued investments in agency staffing to address rising demands within law enforcement. Notably, he requested a 6% salary increase for 2026 and 2027 to retain talented personnel amidst competitive job markets. Public testimony highlighted community awareness challenges regarding the Landowner's Compensation Program, indicating a need for enhanced outreach efforts.