Video & Transcript Research : 'allowance increase'
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MN
Minnesota 2025-2026 Regular Session
Committee on Housing and Homelessness Prevention - 04/09/26
Housing and Homelessness Prevention
Transcript Highlights:
- <00:04:41.120>
about that we serve typically increase about that we serve typically increase - <00:10:06.240>
by rents increase or land rents increase by rents increase or land rents increase - increased resident debt. increased resident debt.
- And that is driving a lot of this increased cost.
- , that's something that's not allowed, that's something that's not allowed, that's<01:09:23.160><
TX
Texas 89th Regular
Pensions, Investments & Financial Services Mar 24th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- Thank you for allowing me to lay out.
- This is nearly a $13 billion increase.
- The substitute does allow anticipation.
- Doesn't its liabilities increase?
- That's a 50% increase.
Keywords:
local governments, anticipation notes, certificates of obligation, public works, flood control, financial management, local government, municipal financing, private activity bonds, closing definition, real estate finance, bond issuance, government regulation, bond election, general obligation bonds, GO bonds, political subdivision, city bonds, county bonds, school district bonds
MN
Minnesota 2025-2026 Regular Session
Vets Committee Meeting - 2026-03-25
Veterans and Military Affairs Division
Transcript Highlights:
- Applause or other demonstrations are not allowed.
- For safety reasons, standing or allowed.
- Based on our estimates, the increased Based on our estimates, the increased demand<00:09:03.080>
- We allow county uh, omnibus bills.
- Um, I don't believe that there would be an increase to property tax.
Keywords:
military, pay, officers, enlisted members, state active service, Minnesota Statutes, veterans, burial eligibility, honor guard, state cemeteries, military service, burial fees, veterans affairs, Minnesota Department of Veterans Affairs, advisory task force, commanders task force, veterans service organizations, American Legion, Veterans of Foreign Wars, VFW
MS
Mississippi 2026 Regular Session
MS House Floor - 1 April, 2026; 10:00 AM
Mississippi House Floor Meeting
Transcript Highlights:
- Publication on its website and allow other agencies to do that as well.
- And this body voted for a $5,000 pay increase.
- , we did an assistant teacher pay increase.
- We've plugged in some things that allow them to have 4,000.
- But I'm not going to apologize for an increase.
MN
Minnesota 2025-2026 Regular Session
Committee on Health and Human Services - 02/25/26
Health and Human Services
AZ
Transcript Highlights:
- It increases the likelihood of students accessing guns.
- I want to thank you all for allowing me to speak.
- While increased support, while this support for increased access to school meals was high across all
- State law allows them to have three-year contracts, whereas many states allow for longer contracts, like
- the allowances for the entire district.
FL
Florida 2025 Regular Session
Appropriations Committee on Health and Human Services Mar 18th, 2025
Transcript Highlights:
- AND SO IT DOESN'T ALLOW FOR THAT FULL BREATH OF ACCOUNTABILITY.
- CLAIMS IN EXCESS OF $20 MILLION HAVE INCREASED BY OVER 400%.
- AND AGAIN, CONTINUING TO ALLOW A DISCRIMINATORY LAW TO STAY IN EFFECT JUST TO ALLOW THE MEDICAL MALPRACTICE
- LITIGATION DOES NOT HAVE TO INCREASE.
- IF THIS BILL PASSES WE WILL HAVE AN INCREASE IN MEDICAL MALPRACTICE.
MN
Minnesota 2025-2026 Regular Session
House State Government Finance and Policy Committee 2/19/26
State Government Finance and Policy
Transcript Highlights:
- <00:16:18.160>
entry certainly increasing barriers to entry certainly increasing barriers - their investment related to the increases in fraud they see and the increases in the capabilities that
- their investment related to the increases in fraud they see and the increases in the capabilities that
- And I said, "Unless you agree to allow And I said, "Unless you agree to allow us<00:35:08.000>
- security, increases speed and delivery security, increases speed and delivery of<00:37:13.400>
what - security, increases speed and delivery security, increases speed and delivery of<00:37:13.400>
Bills:
HF1338
Keywords:
Inspector General, Office of the Inspector General, state oversight, government accountability, fraud, waste, abuse, audit, investigation, subpoena, whistleblower, public integrity, transparency, state agencies, executive branch, public funds, taxpayer funds, law enforcement oversight, public safety programs, advisory council
AR
Arkansas 2026 Regular Session
EDUCATION COMMITTEE - SENATE AND HOUSE May 18th, 2026
Transcript Highlights:
- What do you want to achieve by May to allow them to continue? To be in May?
- And especially increasing from all funds available.
- Comparatively, spending increased... ...by more than $5 million.
- The funding amount can only increase with an increase in the number of students and, per statute and
- Supplemental spending increased on average for all three school years.
FL
Florida 2026 Regular Session
Appropriations Committee on Criminal and Civil Justice Feb 12th, 2025
Appropriations Committee on Criminal and Civil Justice
Transcript Highlights:
- So that adds to the staffing burden and increases overtime.
- And those increases are compounding.
- Another matter is to increase the juror reimbursement.
- That's just the felony side is increased by that amount. We've also seen those increases.
- I have some suggestions to consider since we keep writing bills to increase penalties that will increase
Summary:
The Appropriations Committee on Criminal and Civil Justice heard an update from Department of Corrections Secretary Ricky Dixon on staffing, overtime, capital needs, and inmate population growth. Dixon said the prison population has risen by about 8,000 since January 2021 while staffing has not kept pace, forcing the agency to open 53 housing units without funded positions and rely heavily on overtime and National Guard support. He cited a $189 million deficit tied to salaries and overtime, noted that most staff have less than three years of experience, and argued the solution is to fully fund posts for operational housing units. He also reviewed the department’s fixed capital outlay projects, including repairs, new housing construction, and medical modular units intended to reduce outside hospital transports, and gave an update on the VINE victim notification system and its expansion.
The committee then heard from Florida clerks of court representatives Jason Welty and Miami-Dade Clerk Juan Fernandez-Barquin, who described clerks’ court-related and county duties and said clerk budgets have not kept pace with the broader justice system. They requested reimbursements for injunctions for protection ($3.3 million), Baker Act/Marchman Act/sexually violent predator cases ($2.5 million), and juror management ($4.8 million), and said future funding for new judges should include the full courtroom system, not judges alone. Fernandez-Barquin also raised concerns about unfunded mandates, rising retirement and health costs, low court-side pay, and the need to revisit filing fees and trust fund allocations. Members asked about collections, payment plans, license suspensions, and whether some fees or trust fund distributions could be redirected; the governor’s budget had already picked up the $2.5 million request for Baker/Marchman/SVP cases.
During public testimony, speakers urged broader criminal justice reforms and additional funding priorities. A prosecutor emphasized that adding judges requires funding for prosecutors, public defenders, and clerks as well. Other speakers called for parole or long-term sentencing reform to reduce prison populations and costs, criticized staffing and conditions in prisons, and raised concerns about inexperienced correctional officers, visitation delays, and lack of air conditioning in some facilities. The committee took no substantive votes on the items discussed and adjourned after hearing the presentations and public comments.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am
Joint Committee on Financial Services
Transcript Highlights:
- Data proves our proximity to nature increases happiness, sensibility, and productivity.
- As Izzy grows, so does the surface area, and therefore prices increase.
- Izzy, like many... ...grows, so does the surface area, and therefore prices increase.
- With this comes a growing need for insurance coverage of detransition increase.
- Thank you for allowing me to speak. My name is— Welcome. Thank you for allowing me to speak.
Summary:
The committee heard testimony on a wide range of health insurance and public health bills, with most speakers focused on expanding coverage for specific treatments and services. Bills discussed included H. 1187/S. 792 on rehabilitation counselors, H. 1173/S. 692 on patient navigation, S. 2600 on scalp cooling for chemotherapy patients, S. 2599 on medically necessary treatment for port wine birthmarks, H. 1164 on licensed educational psychologists for child and adolescent mental health services, S. 754/H. 1254 on autism diagnosis and treatment by nurse practitioners and psychiatric nurse mental health clinical specialists, S. 714/H. 1137 on infectious disease response and coverage, and S. 791 on making nature a prescriptive therapeutic intervention. Speakers generally argued these bills would improve access, reduce out-of-pocket costs, and address gaps in current insurance reimbursement rules.
Testimony in support emphasized personal stories and clinical evidence. Cancer patients and providers described the benefits of patient navigation and scalp cooling for dignity and quality of life during treatment. Boston Children’s Hospital staff and families said port wine birthmark treatment is medically necessary, can prevent complications, and should not be denied as cosmetic. Rehabilitation counselors and school psychologists argued their services are effective, cost-saving, and underused because they cannot bill insurance. Autism advocates said current insurance statutes are outdated because nurse practitioners and psychiatric nurse mental health clinical specialists already provide evaluations and should be recognized for reimbursement to avoid delays in early intervention. Public health and GLAD Law testimony supported stronger infectious disease coverage to remove barriers to testing, treatment, and PrEP access.
The hearing also included extensive testimony on H. 1172, a bill requiring insurance coverage for detransition-related care. Supporters said it would ensure coverage for medically necessary care for people who regret or reverse gender transition, while opponents argued it would legitimize anti-trans narratives or, conversely, that detransition care is needed because transition procedures can cause harm. The committee also heard strong support for S. 791 from advocates who described nature access as a health intervention that could help with trauma, anxiety, substance use recovery, and environmental justice, with claims that insurance coverage and reduced park fees would improve access. No votes were taken during the transcript, and the chair repeatedly thanked speakers and moved through the long list of public testimony.
WY
Wyoming 2026 Regular Session
House Labor, Health & Social Services Committee, March 2, 2026
Labor, Health & Social Services
Transcript Highlights:
- Uh, I the bill will allow the Board of Pharmacy to create rules that would allow pharmacists to perform
- Uh, I the bill will allow the Board of Pharmacy to create rules that would allow pharmacists to perform
- Uh, I the bill will allow the Board of Pharmacy to create rules that would allow pharmacists to perform
- Uh, I the bill will allow the Board of Pharmacy to create rules that would allow pharmacists to perform
- Department of Family Services to allow Department of Family Services to allow family<01:21:23.600
Keywords:
medical necessity, insurance, healthcare policy, independent review, claim processing, shared parenting, family law, joint custody, child well-being, parental rights, pharmacy, collaborative care, healthcare, prescriptions, patient safety, Wyoming Pharmacy Act, welfare, Medicaid, employment, eligibility verification
NV
Transcript Highlights:
- It's increasing somewhat extra. DCFS fiscal note, that liability has been increasing.
- This bill allows bonds to be used for funding.
- As competition for talent increases, we must do more than just recruit.
- As competition for talent increases, we must do more than just recruit.
- costs of health care and allow, in combination with the underlying provisions of this bill, to allow
Bills:
AB49, AB93, AB108, AB169, AB188, AB212, AB221, AB224, AB251, AB282, AB284, AB296, AB304, AB331, AB356, AB366, AB375, AB409, AB467, AB475, AB476, AB479, AB494, AB514, AB515, AB533, AB542, AB550, AB558, AB567, AB568, AB571, AB581, AB583, AB584, AB585, AB595, AB596, AB597, SB170, SB427, SB460, SB508
Keywords:
educational personnel, teacher licensing, reciprocal licensure, provisional teaching, school counselors, school nurses, school social workers, state education standards, public employees, police officers, benefits, appropriation, law enforcement, outdoor education, recreation, grant program, environment, funding, health insurance, speech-language pathology
TX
Transcript Highlights:
- increases their earning potential at age 12. 30, their actual wages.
- Seriously, and I'm sure. that's true, that increases retention.
- Thank you for allowing me to speak on SB2253.
- Do you see an increase in that participation?
- Local control allows us to ensure these policies are effective.
Keywords:
instructional materials, public schools, Education Code, adoption, rejected materials, local funds, open educational resources, Texas Education Code, school districts, open enrollment charter schools, funding restrictions, environmental regulation, business compliance, local authority, economic development, state preemption, local control, open education resources, SB 762, Texas public schools
KY
Kentucky 2025 Regular Session
Senate Standing Committee on Health Services (3-3-25)
Transcript Highlights:
- <00:02:33.959>
a um or service it's not about allowing a um or service it's not about allowing - <00:04:57.880>
we as technolog is rapidly increasing we as technolog is rapidly increasing - complication The Spill increases complication The Spill increases barriers<00:18:16.039>
to undermines patient safety it allows undermines patient safety it allows providers<00:25:13.880>< - situations this this bill would allow situations this this bill would allow personal<00:26:29.360
Summary:
The committee heard testimony on Senate Bill 132, a health care conscience-protection measure. Supporters said the bill would protect health care professionals from being forced to participate in procedures or services that violate sincerely held religious or ethical beliefs, while explicitly excluding emergency care. They argued it would help recruit and retain providers, preserve ethical integrity in medicine, and has worked in several other states. Supporters also emphasized that the bill is aimed at procedures or services, not at denying care based on who a patient is, and noted that the bill includes a civil cause of action to give it enforcement teeth.
Several supporters described personal experiences. A nurse said lack of conscience protections affected her career choices and limited her path into women’s health. Dr. Warman said he had requested not to perform anesthesia for abortions and later chose non-narcotic pain management because he objected to heavy opioid prescribing, saying conscience protections allow professionals to practice responsibly. Senators asked about examples, the bill’s scope, whether it could be used to discriminate, and which states have similar laws; Mississippi, Florida, Montana, Ohio, South Carolina, and Arkansas were named. Questions also focused on the bill’s civil enforcement provisions and whether it could be used against patients based on identity or religion.
Opponents warned the bill was overly broad and could allow refusals of care by a wide range of health workers, including clerks, ambulance drivers, pharmacists, nurses, and physicians. Dr. Karen Abrams said it could lead to denial of birth control, Plan B, blood transfusions, and other care, especially in rural areas with few alternatives, and could worsen Kentucky’s provider shortages. David Conway said the bill lacked patient protections, could increase delays and discrimination, and could prevent reassignment of objecting staff. The chair noted there were seven people signed up in opposition, limited testimony to two minutes each, and said the committee would return to the bill after hearing additional opposition and other pending bills.
HI
Hawaii 2025 Regular Session
ECD Public Hearing - Wed Feb 12, 2025 @ 10:00 AM HST
Economic Development & Technology
Transcript Highlights:
- presenting testimony you may be allowed presenting testimony you may be allowed to<00:09:47.680>
- <00:14:33.880>
so remove the aggregate cap increase so remove the aggregate cap increase so - <00:30:03.039>
in without a significant increase in without a significant increase in sustainable - Thanks for allowing me to testify on this bill. My name is Nicholas Paisley.
- <00:58:50.240>
to also going to remove the increases to also going to remove the increases
Summary:
The Committee on Economic Development and Technology heard testimony on HB 976, a measure related to incentives for renewable fuels, including renewable diesel and sustainable aviation fuel. Supporters said the bill would help close the cost gap between renewable and conventional fuels, strengthen Hawaii’s energy security, support climate goals, and encourage local economic development. Testifiers from Pono Pacific, PAR Hawaii, Hawaiian Electric, Hawaiian Airlines/Alaska Airlines, the Hawaii Department of Transportation, Pacific Biodiesel, Aloha Carbon, and others described ongoing or planned projects, local feedstock development, and potential benefits for agriculture, waste diversion, and emissions reductions.
Several testifiers also discussed proposed amendments. The Hawaii Renewable Fuels Coalition said it wanted to remove the import tax credit, eliminate the aggregate cap increase to avoid additional state funding, and revise local-production language to rely on a carbon-intensity threshold rather than location-based preferences. The Tax Foundation of Hawaii raised technical concerns about the bill’s administration, including prorating credits if the cap is exceeded and the feasibility of a 30-day filing window. Some supporters urged keeping solid waste, including construction and demolition debris, as eligible feedstock, while Energy Justice Network opposed that approach and also urged removing GMO-related language and waste-based feedstocks because of environmental and toxic emissions concerns.
Opposition testimony focused on the bill’s cost and feasibility. Energy Justice Network and Ted Metros argued the measure could become a large subsidy for a refinery and questioned whether Hawaii has enough land and water to produce meaningful quantities of biofuel locally. Metros also criticized the refundable credit structure and said the state should not bear the cost for what he described as a benefit largely tied to tourism and imported fuel. No vote was taken during the portion of the hearing provided; the chair later noted the committee had received 13 testimonies in support, 18 in opposition, and seven comments, and then invited further discussion on cost allocation and lowering caps to broaden participation.
MN
Minnesota 2025-2026 Regular Session
Minnesota House passes package of public safety policy measures 4/30/26
Minnesota House Floor Meeting
Transcript Highlights:
- HF 2169 from Representative Schwartz, a bill about allowing protective orders from Canada to be recognized
- House File 2358, Representative Hansen's bill on increasing penalties for sextortion cases.
- House File 3453, Representative Hansen's bill that increases the age to 21 for the legal possession of
- <00:54:45.359>
for have access to firearms, it allows for have access to firearms, it allows - <00:55:30.840>
for updates situations such as allowing for updates situations such as allowing
Summary:
The House took up Senate File 4760, a public safety package, and first adopted an amendment to insert House language into the Senate file. Members then heard brief explanations of several included provisions, including a section from House File 3870 that would make Office of Justice Programs research and victim-related data private, clarify privacy for data collected by the Missing and Murdered Black Women and Girls office and the Missing and Murdered Indigenous Relatives office, and remove outdated statutory language. Representative Novotny also described the package as combining a number of previously passed stand-alone bills and a few additional provisions.
The chamber then adopted amendments A5, A7, and A8. A5 inserted House language and adjusted an effective date related to public employer discretion in hiring; A7 allowed the Office of Legislative Auditor to request BCA fingerprinting and federal tax information as required by federal rules; and A8 clarified language affecting jail medical services and custody-related safeguards after collaboration among Representative Witty, the sheriffs association, the Department of Corrections, and advocates. Representatives Hansen, Moller, and Witty all urged support for those changes.
A proposed A3 amendment from Representative Duran, which would have kept the current age of delinquency rather than implementing the previously enacted change, drew extensive debate. Supporters argued counties, law enforcement, and other stakeholders were not ready for the change and lacked infrastructure, while opponents said the 2024 law was intended to address serious gaps in juvenile justice and child welfare and should take effect as planned. After a roll call, the House rejected A3 by a vote of 66 yeas to 67 nays. The transcript then indicates another Duran amendment, A2, was called up, but the excerpt ends before its disposition.
NM
New Mexico 2026 Regular Session
House - Transportation and Public Works Jan 27th, 2026 at 09:07 am
Transcript Highlights:
- increases the total budget?
- So that's an increase of just over $39 million.
- For increase on rehabilitation. So, Mr.
- So we'd be looking more like a 4% or 5% increase than a 10% increase. Mr. Vice Chair, Mr.
- So we'd be looking more like a 4% or 5% increase than a 10% increase. Mr. Vice Chair, Mr.
Summary:
The committee met with quorum and took up only HB 3, the Department of Transportation Appropriation Act of 2026 for FY27. The bill was presented as an amended budget that would increase NMDOT’s operating budget by about $132.6 million, or 10.2%, using available cash balances, additional projected revenue, and contingent revenue tied to Senate Bill 2, the highway bond bill. Staff walked through the amendment section by section, explaining changes to project design and construction, highway operations, program support, modal programs, federal and interagency transfer lines, corrected performance-measure language, and added budget adjustment authority for the current and next fiscal years.
Several members raised concerns about the late circulation of a revised amendment and the appearance of multiple bill versions, arguing the committee had not had enough time to review the changes and that the process may have violated the 24-hour rule. Others asked for clarification on how the budget distinguished between rehabilitation and maintenance, and DOT staff explained that major rehabilitation is generally tied to STIP projects while maintenance is handled through district-level plans and contracts. Members also discussed the use of cash balances for non-recurring spending, the impact of electric vehicles on road revenue, and the need for more maintenance, litter cleanup, fencing, and beautification funding. DOT and executive representatives noted the amendment includes a significant maintenance increase and said additional non-recurring funding could also come through House Bill 2 and the capital bill.
The committee first rejected a substitute motion to delay action, then adopted the amendment and later voted due pass on HB 3 as amended. Public comment was opened, but no one spoke in support or opposition. After passage, members explained their votes, with some supporting the bill as a needed transportation investment and others objecting to the process and the compressed review timeline.
MA
Massachusetts 2025-2026 Regular Session
Senate Committee on Climate Change and Global Warming Jun 21st, 2026 at 12:00 pm
Senate Committee on Climate Change and Global Warming
Transcript Highlights:
- And so we do allow for logging and other active forest management practices on state lands.
- Yeah, that you allow logging right now. What do we know? Yeah, that you allow logging right now.
- I mean, from a seed to a seedling is a huge increase in percentage terms.
- Most places are still increasing. Massachusetts, at least, is decreasing.
- energy usage will result in increasing fossil fuel use.
Summary:
The committee held a hearing on natural and working lands, carbon sequestration, and related provisions in Governor Healey’s $3 billion Mass Ready Act. EEA officials described the bill’s investments in flooding, land protection, tree planting, wetlands restoration, biodiversity, dams, seawalls, and coastal resilience, along with permitting reforms intended to speed ecological restoration projects. They also outlined current programs on resilient lands, healthy soils, forest climate solutions, forest reserves, and urban tree planting, and said the administration expects natural and working lands to offset up to 7 million metric tons of residual emissions by 2050, while acknowledging that additional strategies will be needed to close the gap to the state’s 10-million-ton offset target.
Committee members pressed EEA on the cost of reaching the 30% conservation-by-2030 goal, the loss of a federal USDA grant of about $22 million, the adequacy of current sequestration estimates, and whether the state should consider regional approaches or statutory changes. EEA said current state conservation spending has been about $35 million to $40 million annually, that the Mass Ready Act is intended to help double the pace of conservation, and that federal funding remains uncertain. Senators also raised concerns about PILOT payments for state-owned land, the management of state forests, and the proposed Chapter 91 general license for restoration projects. EEA said the bill’s forest reserve language is meant to create a more durable designation process while still allowing limited active management.
Advocates from The Nature Conservancy and Mass Audubon supported stronger investment in land conservation and restoration, saying natural and working lands are a cost-effective climate strategy that also provides biodiversity, water quality, and public health benefits. They urged passage of legislation to increase funding, improve PILOT equity, and strengthen land-use planning and mitigation requirements. They also backed removing Chapter 91 licensing requirements for ecological restoration, arguing that the current process adds cost and delay. In a later panel, a forest scientist and an urban forestry advocate emphasized the carbon and cooling benefits of mature trees, called for greater protection of older forests, and supported bills to expand municipal reforestation and modernize public shade tree law. No votes were taken during the hearing.
MN
Minnesota 2025-2026 Regular Session
Task Force on Homeowners and Commercial Property Insurance 10/22/25
Minnesota House Floor Meeting
Transcript Highlights:
- <00:14:22.399>
in That is more than a $1,000 increase in That is more than a $1,000 increase - >
to <01:41:38.480>apply statute, we're allowed to apply statute, we're allowed to apply - We made the intentional decision not to increase rates during COVID. 2016 was our last rate increase
- until we increased them in 2023.
- <01:45:19.199>
our then in 2024, we increased our then in 2024, we increased our homeowners
Summary:
The task force met on October 22, 2025, with a quorum present and several members participating remotely. Members approved the minutes from the previous meeting. Michelle Urick of the Legislative Coordinating Commission then gave an administrative update on proxy voting and the task force’s operating procedures. She said the enabling statute only authorizes the officially appointed member to act and vote, so proxy voting is not allowed, and votes must be cast in person at the meeting where the item is considered. She also said members may submit written positions, but not vote before or after a meeting. In response to concerns about attendance for future votes, the chair said the January meetings would be rescheduled if possible using a Doodle poll so more members could be present in person. The group also agreed to treat the revised document as operating procedures rather than a formal charter, with no separate adoption action needed at that time.
The task force then moved into testimony on homeowners and commercial property insurance. Paul Edgar of Minnesota Realtors said rising insurance costs are adding to housing affordability pressures, citing an increase in the monthly principal, interest, taxes, and insurance payment on a median-priced Minnesota home from $1,622 in 2021 to $2,642 in September 2025. He said higher insurance costs and limited coverage can affect buyers’ financing, especially for condominiums and townhomes, and urged continued work on liability and insurance-related laws that may discourage condo development. He also referenced prior bipartisan reforms to Minnesota’s condominium construction defects law and said his organization supports further improvements to encourage more condo production.
Keenan Ravery of the Minnesota Mortgage Association focused on how insurance requirements affect mortgage lending. He explained that lenders require insurance both at origination and throughout the life of the loan, with standards aimed at protecting collateral rather than providing full homeowners coverage. He said replacement-cost coverage has long been the norm, but recent issues with roofs, deductibles, HO-6 policies, and force-placed insurance have become pain points for consumers and lenders. He said his association is working with national trade groups on reforms that could allow more flexibility in coverage types and deductibles, and he expressed hope that Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency may announce policy changes in the coming months or by early 2026. No votes or substantive policy actions were taken beyond approving the minutes and agreeing to pursue scheduling adjustments for January.