Video & Transcript Research : 'loan programs'

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MN

Minnesota 2025-2026 Regular Session

House Environment and Natural Resources Finance and Policy Committee 1/21/25

Environment and Natural Resources Finance and Policy

Transcript Highlights:
  • <00:15:43.519> including<00:15:44.120> the review program including the review program
  • support across the program support across the program um<00:27:00.039> all<00:27:00.200><
  • resources fund are used for the programs resources fund are used for the programs and<00:29:12.320
  • Those go back to the program and purpose for which they're collected.
  • million and those go back to the program million and those go back to the program and<00:30:58.720
Keywords: 1183, house
Summary: The committee met for an organizational hearing of the Environment and Natural Resources Policy and Finance Committee. Members and staff introduced themselves, with several legislators noting their backgrounds in farming, mining, water management, and outdoor recreation, and the chair reviewed draft committee rules emphasizing decorum, quorum, timely starts, and submitting bill hearing requests to the committee administrator. The committee also heard from nonpartisan staff and caucus staff who will support the committee this session. House Research and House Fiscal staff then provided an overview of the committee’s jurisdiction and the major agencies and programs it oversees. The presentation covered the Department of Natural Resources, Pollution Control Agency, Environmental Quality Board, Board of Water and Soil Resources, Metropolitan Council regional parks and water resources, Conservation Corps of Minnesota, Minnesota Zoological Board, Science Museum of Minnesota, and the Legislative-Citizen Commission on Minnesota Resources. Staff summarized the main statutory chapters and subject areas under each, including wildlife, state lands, mining, water use, air and water permitting, environmental review, wetlands, drainage, and natural resources funding. The finance portion explained the committee’s appropriation types and major funding sources, including direct, statutory, and open appropriations. Staff highlighted the general fund, bonding, the Environment and Natural Resources Trust Fund, the Game and Fish Fund, and the Heritage Enhancement Account, along with how those dollars are typically used for parks and trails, habitat, land acquisition, flood and drainage projects, and agency operations. Members also discussed whether DNR and BWSR responsibilities in overlapping water statutes can conflict; staff said responsibilities are generally clear in statute, though conflicts can occur and are usually resolved.
FL

Florida 2026 4th Special Session

February 16, 2026 - 03:30 PM

Transcript Highlights:
  • In our early learning silo, we restore the funding for the Gold Seal Program, the Local Match Program
  • The highlights of the budget include drinking water and wastewater revolving loan programs for $569.2
  • Water and Wastewater Revolving Loan Programs for $569.2 million.
  • Waste cleanup programs, $166 million. Resilient Florida program, $110 million.
  • That at our discretion, but the program itself, the lunch program is fully funded this year.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Wednesday, March 18, 2026)

US Federal House Floor Meeting

Transcript Highlights:
  • , especially through the scouting troop programs.
  • and the Rybrook community and programs and the Rybrook community and programs for<00:52:46.000><
  • They maintain scouting troop programs.
  • Programs for America's working families.
  • tackle to protect loan populations. tackle to protect loan populations.
MN

Minnesota 2025-2026 Regular Session

House Higher Education Finance and Policy Committee 2/13/25

Higher Education Finance and Policy

Transcript Highlights:
  • is this program because this program is this program because this program is getting<00:39:24.800
  • We have a law enforcement program.
  • interest in the program.
  • or check-in programs.
  • They have resources, programs.
Keywords: 1183, house
CA

California 2025-2026 Regular Session

Assembly Floor Session May 19th, 2025

California House Floor Meeting

Transcript Highlights:
  • Under President Biden, if you were over 62 years old and you defaulted on your loans, your student loans
  • These clinics rely on the 340B program to keep their doors open.
  • cannot use the program.
  • The Deaf and Disabled Communications Program and the Transportation Network Company Access for All Program
  • Communications Program and the Transportation Network Company Access for All Program.
Summary: The Assembly met after a quorum call, prayer, and Pledge of Allegiance, then moved through a long Daily File with several guest introductions and floor speeches. Members recognized visiting student leaders, championship football teams from Tuolumne County, Alpha Kappa Alpha members at their Capitol day, and later a descendant of Wong Kim Ark. The chamber also adopted a procedural motion allowing certain members to host guests in the rear of the chamber. Among the major policy items, AB 578 on food delivery platform refund practices passed 47-2, AB 344 on successor beer manufacturer definitions passed 61-0, AB 454 to make California’s migratory bird protections permanent passed 55-12 on the urgency clause, AB 482 updating the Table Grape Commission passed 64-1, AB 1237 to support transit access for 2026 FIFA World Cup ticket holders passed 56-15 on the urgency clause, AB 738 on wildfire rebuild solar exemptions passed 42-2, AB 1460 on 340B pharmacy access for clinics passed 41-5, AB 750 on homeless shelter oversight passed 49-1, AB 1061 on housing in historic districts passed 41-13, AB 1523 on expanding mandatory mediation thresholds passed 65-0, and AB 316 on AI-related civil liability passed 56-0. AB 761 authorizing the Monterey-Salinas Transit District to seek a sales tax ballot measure passed 47-12. The chamber also adopted several resolutions. AJR 3 urging protection of Social Security, Medicare, and Medicaid passed 53-2 after extensive debate that included criticism of federal cuts and counterarguments focused on state Medi-Cal policy and budget decisions. ACR 65 proclaiming California Tourism Month was adopted by voice vote after coauthors were added, and ACR 62 recognizing California Nonprofits Day was also adopted by voice vote with 65 coauthors. AJR 5 affirming birthright citizenship and opposing efforts to end it passed 58-1 after a lengthy, highly partisan debate centered on the 14th Amendment and the Wong Kim Ark precedent. The session also included passage of AB 571, a CEQA exemption for the Southern California Veterans Cemetery at Gypsum Canyon, which was presented as a long-running bipartisan effort to create a final resting place for Orange County veterans.
NH
Transcript Highlights:
  • They started as a nonprofit under the medical marijuana program in Massachusetts.
  • <00:35:19.440> is to make sure that this program is to make sure that this program is effective
  • from this program program go to the from this program program go to the patients<00:49:28.119>
  • I can offer you a full quarter of the 15,000 patients in the program.
  • There's no regulation of the medical program in Maine.
Keywords: 928, house, all
Summary: The work session focused on HB 54, which would allow New Hampshire’s alternative treatment centers to operate for profit. Chair David Nagel opened by identifying the main concerns: whether members agreed with the bill conceptually, whether the proposal could be shaped to avoid a gubernatorial veto, and whether it could lead to “big cannabis” taking over. He also emphasized that the bill would not change the existing oversight structure, which remained under RSA 126-X. Representative Wendy Thomas said the governor’s objections in past sessions appeared to center on the state’s preference for a state-run model and broader policy concerns, but no one present knew the current governor’s position. Several speakers argued the bill was primarily about financing and access, not expanding the number of dispensaries. Matt Simon of Granite Leaf Cannabis said the current nonprofit structure makes it difficult to raise capital, pay down debt, and open additional access points, and that the bill would be a corporate restructuring rather than a change in day-to-day regulation. Brandon Pollock of TASCAL Wellness said medical cannabis programs in most other states are for-profit, and that New Hampshire’s nonprofit requirement has left ATCs burdened with high-interest debt and higher prices that push patients to Maine, Vermont, or the street market. He said converting to for-profit status could allow conventional financing, lower prices, and help keep patients in the regulated program. Members also discussed whether for-profit ownership would invite outside corporate control. Witnesses said the bill would not open the market to new operators, would not change advertising rules, and would include restrictions on ownership transfers for a period of time; “foreign corporation” was explained as an out-of-state entity. One speaker noted that the bill is similar to earlier versions that passed both chambers with strong support but never became law. No vote was taken during the work session; the discussion was informational and aimed at addressing concerns before the bill moved forward.
HI

Hawaii 2025 Regular Session

Senate Floor Session 04-30-2025 9:30am

Hawaii Senate Floor Meeting

Transcript Highlights:
  • As agricultural loan administrator for the Hawaii Department of Agriculture loan program, he grew $17
  • million to $26 million in loans supporting local farmers.
  • As agricultural loan administrator for the Hawaii Department of Agriculture loan program, he grew $17
  • Judge Penn court kids first program.
  • But the final pilot grant program.
Keywords: 912, senate, all
FL
Transcript Highlights:
  • The examples of this are are nursing program.
  • One goal is to continue to work with the College out Science program in nursing programs to ensure continued
  • We have a huge and strong worker workforce program here at the college and is not a program that we need
  • Lastly, I want to see expanding the nursing program.
  • It's higher education programs.
Keywords: 999, senate, all
TX

Texas 89th Regular

89th Legislative Session May 5th, 2025

Texas House Floor Meeting

Transcript Highlights:
  • to reduce in health care costs in the State Employees Group Benefits Program.
  • Well, is this about a cap-and-trade program?
  • Carbon tax programs. and regulations that are either a direct carbon tax or a cap-and-trade. trade program
  • I do know about that program.
  • Members, HB 184 establishes a student loan repayment program for prosecuting serving in the Board of
Bills: HJR34, HB 113, HB184, HB198, HB247, HB367, HB449, HB1778, HB514, HB576, HB632, HB1395, HB2225, HB2582, HB2494, HB766, HB2715, HB2712, HB3069, HB3505, HB 1269, HB4224, HB3609, HB5032, HB2240, HB5180, HB3348, HB4668, HB4909, HB4665, HB4895, HB3395, HB3157, HB4762, HB4395, HB4325, HB4952, HB4386, HB4273, HB2760, HB2697, HB2820, HB1828, HB1768, HB1579, HB1773, HB1871, HB2035, HB2448, HB2492, HB1411, HB4753, HB4666, HB4529, HB1499, HB1610, HB2028, HB1506, HB886, HB3546, HB796, HB223, HB1475, HB3556, HB4638, HCR126, HB38, HB 104, SB1008, SB1106, SB1172, SB2629, SB2964, SB616, HB2214, SB552, HB3181, HB3628, HB589, HB3529, HB3354, HB333, HB2914, HB4130, HB4131, HB24, HB 1160, HB3962, HB4115, HB2295, HB5398, HB1407, HB3800, HB2613, HJR138, HB42, HJR34, HB 129, HB677, HB426, HB668, HB1699, HB2017, HB2128, HB2038, HB3783, HB3717, HB2316, HB3686, HB2563, HB3883, HB4021, HB2788, HB2663, HB3305, HB3173, HB3474, HB 1105, HB3531, HB3490, HB3597, HB 1295, HB3512, HB3010, HB3112, HB4215, HB3223, HB3464, HB3120, HB4214, HB4511, HB3704, HB4081, HB4783, HB4063, HB2783, HB4937, HB5085, HB2510, HB3426, HB4361, HB 1169, HB2516, HB2347, HB4034, HB4700, HB3560, HB5150, HB3860, HB3146, HB3924, HB 113, HB184, HB198, HB247, HB367, HB449, HB1778, HB514, HB576, HB632, HB1395, HB2225, HB2582, HB2494, HB766, HB2715, HB2712, HB3069, HB3505, HB 1269, HB4224, HB3609, HB5032, HB2240, HB5180, HB3348, HB4668, HB4909, HB4665, HB4895, HB3395, HB3157, HB4762, HB4395, HB4325, HB4952, HB4386, HB4273, HB2760, HB2697, HB2820, HB1828, HB1768, HB1579, HB1773, HB1871, HB2035, HB2448, HB2492, HB1411, HB4753, HB4666, HB4529, HB1499, HB1610, HB2028, HB1506, HB886, HB3546, HB796, HB223, HB1475, HB3556, HB4638, HCR98, HCR92, HCR126
HI

Hawaii 2025 Regular Session

WAM/FIN Joint Info Briefing - Fri Feb 14, 2025 @ 9:30 AM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • Hokua's micro-lending program will provide low-interest, accessible loans to help parents cover these
  • Hokua's micro-lending program will provide low-interest, accessible loans to help parents cover these
  • The CDFI revolving loan program leverages other government funds, private loan funds, private grants,
  • <05:23:44.240> program<05:23:45.040> the<05:23:45.160> cdfi revolving Loan program
  • the cdfi revolving Loan program the cdfi revolving<05:23:46.120> Loan<05:23:46.440> program
Keywords: 910, house, all
MA

Massachusetts 2025-2026 Regular Session

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

Joint Committee on Education

Transcript Highlights:
  • His schedule is devoid of programming five days a week, and his meals are eaten alone.
  • The development of that program started when Joe was still in school.
  • Employment programs must offer more than just job placement.
  • I'm the racial equity and access program assistant at Massachusetts Advocates for Children.
  • There are many pilot programs out there.
Keywords: 995, all
Summary: The Joint Committee on Education held a hearing focused primarily on special education-related bills, with testimony centered on two major themes: transition planning for students aging out of school-based services at age 22, and the fiscal strain special education costs place on districts. Committee members explained hearing procedures, noted the House was in formal session, and periodically stepped out for votes while staff recorded testimony. A separate bill on special education due process was also taken up briefly, along with a bill on special education finance and another on equitable access/data reporting. On House Bill 752 and Senate Bill 313, witnesses from the Arc of Massachusetts, the Massachusetts Down Syndrome Congress, the Developmental Disabilities Council, families, self-advocates, and Senator Comerford described the “Turning 22” transition as a crisis point that often leaves families without adult placements, services, or clear communication. Testimony emphasized earlier planning, more accountability, better data collection, and a commission to improve coordination and residential placement. Several parents and advocates shared personal accounts of traumatic transitions, delayed placements, and the need for plans to begin at least a year before age 22. The committee later closed testimony on these bills after hearing from all signed-up speakers. House Bill 4217, on special education due process, drew support from Representative Sullivan-Almeida, parents, and advocates who argued that the burden of proof should shift from families to school districts. Testimony described costly legal battles, delays, and parents having to become experts in reading instruction or hire advocates and attorneys to secure services. Brody Dwyer, a 10-year-old student with dyslexia, and his mother described how evidence-based instruction helped him after years of struggle. The committee also heard testimony on House Bill 546/Senate Bill 317, which would require DESE to publish cross-tabulated data on race, disability, gender, income, and other factors; advocates said this would better expose disparities and help address the school-to-prison pipeline. Finally, on House Bill 691/Senate Bill 430, school leaders, educators, and union representatives testified that special education costs are outpacing district budgets and that increasing circuit breaker reimbursement and creating a commission to study long-term sustainability would help prevent staffing cuts and service reductions. No votes were taken during the hearing; the committee repeatedly closed testimony on individual bills as speakers finished and moved through the agenda.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Monday, December 15, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • the Congressional Award Program the Congressional Award Program Reauthorization<02:12:16.239>
  • laws governing child nutrition programs. laws governing child nutrition programs.
  • National Estuary Program until 2031. National Estuary Program until 2031.
  • This is a program that of federal funds. This is a program that is<03:52:12.960> working.
  • students participating in the program. students participating in the program.
MN

Minnesota 2025-2026 Regular Session

Committee on State and Local Government - 03/11/25

State and Local Government

Transcript Highlights:
  • SF 690 sunsets the current successful program and replaces it with the producer responsibility program
  • <01:03:39.440> in their ideas for collection programs in their ideas for collection programs
  • <01:04:13.119> if continue to um administer the program if continue to um administer the program
  • Unfortunately, those programs are not working.
  • items have to have a collection program items have to have a collection program or<01:27:47.639>
Keywords: 1187, senate, all
CA

California 2025-2026 Regular Session

Assembly Public Safety Committee Jun 9th, 2026

Public Safety

Transcript Highlights:
  • The driver charged with taking his life is eligible for a diversion program, allowing them to avoid a
  • and water they need because such detainees often only earn about $1 per day through facility work programs
  • But that family's bills continue: rent, mortgages, loans, taxes, child care expenses, even as the family
  • But that family's bills continue, rent, mortgages, loans, taxes, child care expenses, even as the family
  • loses income and mortgages, loans, taxes, child care expenses, even as the family loses income and faces
Keywords: 988, house, all
Summary: The Assembly Standing Committee on Public Safety heard several bills, with most of the discussion centered on criminal justice, public safety, and detention-related issues. SB 498 by Senator Becker would make prison electronic messaging free and end 15-minute limits on voice calls for incarcerated people; supporters said it would strengthen family ties and rehabilitation, while the bill advanced on a due-pass recommendation. SB 953 by Senator Niello would require DMV points to be recorded when a misdemeanor vehicular manslaughter case is dismissed through diversion; family members of crash victims testified in support, the ACLU opposed it as potentially discouraging diversion, and the committee passed the bill to the Transportation Committee. The committee also heard SB 1306 by Senator Cortese, which would align California law with federal exemptions for certain GBL-containing chemical mixtures used in semiconductor manufacturing. The author and industry witness said the bill would reduce unnecessary regulation without affecting pure GBL, and it passed to Appropriations. SB 941 by Senator Padilla would cap commissary markups in private immigration detention facilities at 35% above vendor cost; supporters described high prices for basic necessities and poor conditions, and the bill advanced on a due-pass vote. Members also considered SB 691 by Senator Wahab, which would require law enforcement body-camera policies to allow EMS personnel to request redaction of recordings before public release when patients are receiving medical or psychological treatment. Supporters framed it as a privacy measure, while sheriffs’ representatives raised concerns about overlap with existing law and local policy discretion; the bill moved forward on a due-pass recommendation. Finally, SB 562 by Senator Ashby would allow partial refunds of bail bond premiums when charges are not filed or are dropped early; supporters called it a fairness measure for low-income families, while bail industry representatives and some others warned it could reduce incentives to post bail and harm small businesses. The bill advanced on a divided vote. Several other items were adopted on consent or pulled by the authors, and the committee adjourned after completing its votes.
NV
Transcript Highlights:
  • So thank you, and certainly supportive of the programs and the concept.
  • We do have a program officer who... ...those versions.
  • It removes reversion of any funds appropriated to the adoption savings program.
  • This program is actually a really broad program. It's great.
  • It would require various actions related to the Public Employees' Benefits Program.
FL

Florida 2025 Regular Session

Senate in Session Mar 19th, 2025

Florida Senate Floor Meeting

Transcript Highlights:
  • General Hartsell was kind enough to loan this to us.
  • Because without the awareness, those programs don't matter a whole lot.
  • , appropriately named the FARM Program.
  • In other words, recent graduates can qualify for loan repayment programs before they take the certification
  • This late filed amendment clarifies that the FARM Program funds be...
Bills: SCR5, SCR13, SB3, SB6, SB10, SB12, SB13, SB15, SB17, SB18, SB19, SB24, SB35, SB57, SB65, SB112, SB284, SB290, SB388, SB400, SB402, SB412, SB495, SB499, SB502, SB509, SB621, SB706, SB740, SB815, SB842, SB854, SB875, SB893, SB917, SB974, SB1025, SB1061, SB1073, SB1106, SB1268, SB1281, SB1300, SB1362, SB1379, SB1447, SB1451, SB1555, SB1902, SJR36, SJR12, SCR13, SCR25, SCR5, SCR22, SCR12, SCR24, SB495, SB412, SB10, SB18, SB565, SB372, SB842, SB765, SB62, SB19, SB666, SB707, SB888, SB687, SB706, SB847, SB290, SB13, SB1248, SB740, SB14, SB1006, SB504, SB917, SB925, SB388, SB1902, SB1121, SB995, SB857, SB305, SB296, SB284, SB35, SB6, SB815, SB3, SB1281, SB1379, SB1300, SB1497, SB1499, SB1498, SB1451, SB1061, SB15, SB65, SB241, SB304, SB402, SB499, SB621, SB974, SB1023, SB1024, SB1025, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB17, SB1119, SB1505, SB12, SB24, SB57, SB1194, SB1253, SB1215, SB1532, SB1268, SB1302, SB856, SB650, SB583, SB673, SB840, SJR57, SCR8, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB3, SB6, SB15, SB35, SB290, SB706, SB842, SB917, SB1281, SB1451, SB1902, SB12, SB13, SB17, SB19, SB388, SR261, SR265, SR276, SR277, SR281, SR286, SR293, SCR5, SCR13, SB2425, SB2880, SB10, SB12, SB13, SB17, SB18, SB19, SB388, SB412, SB495, SB2425, SB2880
CA
Transcript Highlights:
  • The board is working program by program to develop performance metrics for DTSC.
  • We do have the Mercury Thermostat EPR program at DTSC, and it is a relatively small program.
  • Consumer Products program.
  • We heard about EPR programs.
  • We heard about EPR programs.
Summary: The joint oversight hearing focused on DTSC’s implementation of SB 158 reforms, including enforcement, community engagement, fee stability, the hazardous waste management plan, permitting backlogs, and the Safer Consumer Products program. Senators and Assembly members emphasized protecting overburdened communities and asked how DTSC and the Board of Environmental Safety are using their authority to improve accountability, reduce delays, and address hazardous waste facilities and consumer product chemicals. The hearing also included discussion of extended producer responsibility programs and whether DTSC can support them more efficiently, including through coordination with CalRecycle. DTSC Director Katie Butler said the department is now more transparent, accountable, and fiscally stable, citing stronger enforcement actions, an interactive inspections map, expanded community outreach, and emergency response work on the Los Angeles wildfire cleanup. She said DTSC has made progress on fee reform, the hazardous waste management plan, cleanup grants, permit renewals, and safer consumer products rulemaking, including adding microplastics to the candidate chemical list. Board Chair Andrew Rakestraw said the board has held multiple public meetings and hearings, is working on fee rates and performance metrics, and is revising the hazardous waste management plan after public comment, including removing a proposal to send certain contaminated soil to municipal landfills. He also noted remaining concerns about fee structure, permit delays, and the pace of the safer consumer products program. Public witnesses offered sharply different views. A representative of the California Council for Environmental and Economic Balance said SB 158 reforms have improved permitting and transparency, but urged more attention to risk-based decision-making, reduced duplication, and possible General Fund support for plan implementation rather than relying only on fees. Earthjustice argued DTSC remains too slow and that communities continue to suffer from long-delayed permits and weak protections, urging the Legislature to take a more active role and to prioritize eliminating hazardous substances rather than minimizing costs. Committee members pressed the witnesses on permit renewals, community impacts, and the pace of the safer consumer products program, while DTSC defended its progress and said further legislative collaboration may be needed on hazardous waste management and emerging waste streams.
MN

Minnesota 2025-2026 Regular Session

Agriculture Committee Meeting - 2025-03-24

Agriculture, Veterans, Broadband, and Rural Development

Transcript Highlights:
  • Minnesota Fertilizer Grant Program, Minnesota Made Grant Program established, and the money appropriated
  • This House File 1701 would be a grant program for a Minnesota-made fertilizer program, and much like
  • So I understand the need for this grant program.
  • **House File 1796**: Livestock Investment Grant Program Modifications.
  • This program also provides ESL programs to adults on the backside.
TX

Texas 89th Regular

S/C on Family & Fiduciary Relationships Mar 31st, 2025

S/C on Family & Fiduciary Relationships

Transcript Highlights:
  • A loan would have to determine, at the time of making the loan, whether you had outstanding child support
  • But the child support obligation could come after the loan was granted.
  • Well, no, I mean, it would be created, for example: I get the loan for my house today, and then I have
  • Child support is owed after you made the loan, and then later on, the child is born.
  • the bill were passed, the child support obligation would still the lien even if they came after the loan
MS

Mississippi 2026 Regular Session

Business and Financial Institutions - Room 409, 2 February, 2026; 2:00 P.M.

Business and Financial Institutions

Transcript Highlights:
  • Uh, a pawn loan is for 60 days. This doesn't have anything to do with a loan.
  • This doesn't a pond loan is for 60 days.
  • <00:04:45.840> It's have anything to do with a loan.
  • It's have anything to do with a loan.
  • It's a fee of $10, up to $10 max, on loans of $100 or more.
Summary: The committee first took up Senate Bill 2725, which would shorten the required hold period for pawn brokers on precious metal coins and bullion from 21 days to 3 days, change fingerprinting renewal from annually to every three years to match FBI requirements, and make a technical address update. The sponsor and a Mississippi Pawn Brokers Association representative said the change was needed because gold and silver prices are volatile and pawn brokers are disadvantaged compared with jewelry stores. After questions about whether the bill affected pawn loans, the committee adopted a do pass motion and passed the committee substitute. Next, Senate Bill 2530 on perpetual care cemeteries would raise the trust-fund threshold from $50,000 to $75,000 and allow longer-term CDs so cemetery funds can earn more interest. Members discussed Secretary of State oversight, annual reporting, and the fact that only interest, not principal, may be used for cemetery care. The committee then moved the bill out with a title sufficient do pass recommendation. The committee also considered Senate Bill 2712, which would allow small lenders to charge up to a $10 fee for insurance in lieu of filing a UCC on certain collateralized loans. It was described as a way to reduce costs and follow guidance from the Department of Banking and Consumer Finance, and it was passed out on a do pass motion. Senate Bill 2714, a major unclaimed property bill, drew extended discussion about creating a legal process for abandoned safe deposit boxes: banks would inventory contents with a notary and two officers, notify owners and heirs, transfer contents to the Treasurer after notice periods, and allow the Treasurer to auction items while preserving proceeds for claimants. Members raised concerns about notice methods, privacy, wills and other documents, and whether first-class mail should be changed to registered mail; the committee adopted a conceptual amendment to use registered mail and added a reverse repealer, then passed the bill out. Finally, Senate Bill 2732 was introduced to combat identity theft by allowing a child’s credit to be frozen at birth through a form provided with the birth certificate. The sponsor said the bill is aimed at protecting minors from fraud and noted that credit freezes and unfreezes are free. The discussion was brief, and the bill was presented as a consumer protection measure for children.