Video & Transcript Research : 'Alabama code Title 39'

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US

US Federal 2025-2026 Regular Session

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

US Federal House Floor Meeting

Transcript Highlights:
  • H.R. 3426, a bill to amend title 40, United States Code, to limit the construction of new courthouses
  • H.R. 3426, a bill to amend title 40, United States Code, to limit the construction of new courthouses
  • The title of the bill: Union Calendar No. 218, H.R. 3579, a bill to amend Title 38, United States Code
  • <07:00:29.760> to to amend title 38 United States Code to to amend title 38 United States
  • <07:39:25.920> of<07:39:26.080> Alabama.
OK
Transcript Highlights:
  • The amendment to put the title back on. The clerk will read it. Restoring the title. Mr.
  • I am restoring the title. Mr. Speaker.
  • The Senate amendments just restore the Title.
  • The Senate amendments restored title and netting clauses with adoption. If for questions.
  • The amendment just restores the title.
KY

Kentucky 2026 Regular Session

Senate Standing Committee on Banking and Insurance. (2-10-26)

Banking & Insurance

Summary: The Senate Banking and Insurance Committee met for its first meeting of the 2026 session, called the roll, and welcomed new member Senator G. Gary Clemens. The committee first took up Senate Bill 118, which concerns credit property insurance and would codify existing practice in the Kentucky Revised Statutes. Sponsor Senator Brandon Storm explained that the bill clarifies the treatment of the product and, through a committee amendment, excludes GAP/vehicle protection products from its scope and aligns filing language with current law. The amendment was adopted, the bill passed with favorable expression, and the amendment was rolled into a committee substitute. The committee then heard Senate Bill 153, relating to the prevention of harmful and fraudulent practices. Senator Greg Elkins and witnesses from the Attorney General’s office, Kentucky Farm Bureau Insurance, and State Farm described the bill as a response to storm-chaser and contractor fraud after major weather events. They said the measure would codify current coordination between the Attorney General and the Department of Insurance, allow criminal enforcement in addition to civil actions, and formalize an emergency registration/placard system for out-of-state contractors and volunteer groups during disasters. Members asked about how the bill would affect homeowners who directly hire contractors and whether volunteer groups such as disaster relief organizations or Amish/Mennonite volunteers would be required to register; sponsors said direct hiring would not be affected and volunteers would be handled through a separate identification process. The committee substitute was adopted, the bill passed as amended, and members emphasized the need to protect homeowners from fraud and inflated costs. Finally, the committee considered Senate Bill 158, relating to vehicle financial protection. Senator Jason Howell and representatives of the Guaranteed Asset Protection Alliance explained that the bill modernizes and regulates GAP waivers and related consumer protection products, such as debt waiver and depreciation benefit agreements, while keeping them legal in Kentucky. Supporters said the bill would ensure providers are properly funded and bonded and would align Kentucky with other states. The bill passed with favorable expression, and the meeting ended on a note of bipartisan agreement on all three measures.
KY

Kentucky 2026 Regular Session

House Standing Committee on Banking and Insurance (1-14-26)

Banking & Insurance

Transcript Highlights:
  • harbor in those instances so it does not disqualify those plans at the federal level under the IRS code
Summary: The House Standing Committee on Banking and Insurance met with a quorum and first passed over House Bill 164 pending a document. The committee then heard House Bill 176, sponsored by Rep. Kim Moser, which would create a framework for insurer-run prior authorization exemption programs, often called “gold carding,” for certain health care providers. Moser said the bill is the product of years of negotiation with insurers, would include behavioral health providers, would exclude prescription drugs, and would require annual reporting from the Department of Insurance and DMS on prior authorization activity. A committee member asked whether the 93% approval threshold for exemption matched other states; Moser and a witness said it was consistent with other states and current insurer programs, and that insurers could set a lower threshold if they wanted a competitive advantage. The committee voted on HB 176 after a motion and second, and the bill passed with a favorable expression. The committee also heard a guest introduction from Rep. All, who introduced a student shadow, Ava Oman, before moving on to House Bill 184. Rep. Meredith explained HB 184 would create a safe harbor for health savings account-qualified insurance plans so state mandates and cost-sharing rules would not conflict with IRS requirements and disqualify those plans at the federal level. The committee approved HB 184 unanimously with a favorable expression. Finally, the committee considered House Bill 265, also presented by Rep. Meredith with a Department of Insurance representative. The bill would allow workers’ compensation self-insured pools to have a dissolution process and would prohibit authorizing any new pools, while leaving existing pools in place. Meredith and the department said the change was prompted by solvency problems in some pools, including a large one that had entered receivership, and by limited regulatory authority over these arrangements. After questions about whether the bill affected health insurance, the committee was told it did not. HB 265 also passed with a favorable expression, and the meeting adjourned after a late-arriving member registered votes in favor of all three bills.
KY
Transcript Highlights:
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Summary: The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them. Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase. Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.