Video & Transcript : 'affiliation disclosure' :
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WA
Washington 2025-2026 Regular Session
Citizen Commission for Performance Measurement of Tax Preferences May 7th, 2025 at 10:00 am
Citizen Commission for Performance Measurement of Tax Preferences
Transcript Highlights:
- And that the PRA is a strongly worded mandate for the broad disclosure of records.
- Disclosure requirements of the PRA are liberally construed by courts, and an exemption that is claimed
- produced in response to a valid public records request unless covered by a statutory exemption to disclosure
- And as I mentioned, courts review those exemptions exemption to disclosure.
Summary:
The Citizen Commission on Tax Preferences met on May 7, 2025, with quorum present and first approved the October 22, 2024 meeting minutes. The Attorney General’s office then provided the annual open government refresher, reviewing key requirements of the Public Records Act and Open Public Meetings Act, including broad disclosure obligations, records retention, response procedures for public records requests, and meeting rules for quorums, executive sessions, and notice requirements.
Staff then reviewed the 2025 legislative session, noting 23 tax-preference bills passed, with five signed by the governor at that time. Highlights included legislation extending or repealing several preferences, adding reporting requirements for newspaper and digital content tax exemptions, and creating a new exemption for zero-emission buses. The commission also approved updates to the 2026 tax preference review schedule, which includes eight preferences in seven reviews, and approved unchanged 2025 testimony questions for use in future reviews.
JLARC staff presented the 2025 expedited tax preference review report covering 52 preferences, using Department of Revenue studies and prior JLARC work rather than full new reviews. Staff also outlined development of the next 10-year review cycle for 2027-2036, including a possible rolling schedule approach, with legislative input to be sought over the coming months. The meeting concluded with thanks and recognition of Ron Buing’s service as he steps off the commission, and no public comment was received.
TX
Transcript Highlights:
- Senator West relating to an exemption of the transfer of certain rights and water from certain disclosure
- statutes that are dealt with in this particular bill specifically exempt mineral rights from those disclosure
- The purpose of this bill, in summary, is to recognize that these disclosures are not applicable to water
- These statutes were intended to give disclosures that really applied to surface use of the land to prospective
Committee:
Senate Natural Resources
MN
Transcript Highlights:
- /c> We will now take up the reports relating to appointments to the Campaign Finance and Public Disclosure
- on elections finance and government operations to which was referred Campaign Finance and Public Disclosure
- </c> public disclosure board be now adopted. public disclosure board be now adopted.
- </c><00:08:13.840><c> board</c><00:08:14.319><c> be</c> finance and public disclosure board be finance
- and public disclosure board be now<00:08:14.800><c> adopted.
AL
Transcript Highlights:
- Uh members, uh this bill would prohibit non-disclosure agreements in civil cases involving sexual abuse
- That retraumatizing process ended with a settlement agreement that included a restrictive non-disclosure
- That retraumatizing process ended with a settlement agreement that included a restrictive non-disclosure
- Uh members, this bill would prohibit non-disclosure agreements in civil cases involving sexual abuse,
- </c> included a restrictive non-disclosure included a restrictive non-disclosure agreement<00:08:09.680
Committee:
House Judiciary
NH
Transcript Highlights:
- That difference would be on a buyer-seller disclosure.
- <01:09:43.400><c> buyer</c><01:09:44.159><c> seller</c> disclosure buyer seller disclosure buyer seller
- They had signed a disclosure that said this is nonrefundable, I understand that.
- It's full disclosure. Consumers, they know where the money is going.
- disclosure disclosure consumers<01:11:27.199><c> they</c><01:11:27.360><c> they</c><01:11:27.480><c>
Committee:
Senate Commerce
DE
Transcript Highlights:
- We ask all speakers to please clearly provide your name and affiliation for the record prior to speaking
- We ask all speakers to please clearly provide your name and affiliation for the record prior to speaking
Committee:
Senate Executive
Summary:
The committee met in hybrid format, approved the June 24 and June 25, 2026 minutes, and then heard several bills and a joint resolution. On House Bill 382 with House Amendment 2, Senator Hoffer explained the measure as a technical correction to prior rental-car and peer-to-peer car-sharing law that would clarify when loss-of-use damages may be recovered while preserving recovery for intentional, willful, or criminal conduct. Avis Budget Group and Enterprise Mobility supported the bill, saying it resolved ambiguity and restored limited common-law recovery, while Allstate and Toro opposed it, arguing the bill could reintroduce unfair and unpredictable fees and leave too much discretion to rental companies. No vote was taken in the transcript, and Senator Townsend said he still had questions about how the bill would operate.
The committee then considered House Bill 476, a Frederica charter change that would reduce town council meetings from twice monthly to monthly and make ordinances effective immediately unless otherwise stated. Representative Postles presented it as a simple, noncontroversial change, though members noted Senator Buckson, the Senate sponsor, was not present at the time. No public comment was offered on that bill. The committee also heard House Joint Resolution 13, which directs the Department of Labor to study a Delaware health care apprenticeship degree program and report recommendations; the Delaware Health Care Association supported the resolution and urged coordination with existing workforce efforts.
Finally, the committee heard House Bill 458 with House Amendment 1 on backflow devices in low-hazard buildings. Senator Pardee said the bill would exempt residences and office-type buildings from costly backflow retrofits until regulations are updated, and DHSS said the current regulations do not clearly define low hazard but that the bill’s list of exempted buildings would not raise immediate public health concerns. The Delaware Association of Realtors supported the bill, arguing the regulations were overbroad and costly, while the Delaware Rural Water Association opposed it, warning that weakening backflow protections could threaten drinking water and aquifers. The committee then adjourned without any recorded votes on the substantive bills in the transcript.
AR
Arkansas 2026 1st Special Session
REVENUE & TAXATION- HOUSE May 4th, 2026
Transcript Highlights:
- These four priorities are the same across political affiliation.
- These four priorities are the same across political affiliation and income levels across Arkansas.
Summary:
The committee heard House Bill 1001, sponsored by Representative Les Eaves, which would lower Arkansas’s personal income tax rate to 3.7% retroactive to the current year and reduce the corporate income tax rate to 4.1% beginning in 2027. Eaves argued the bill continued a decade-long strategy of broad-based tax relief, would help working families, and would keep Arkansas competitive with other states. He said the measure would reduce future surpluses rather than cut current services, and noted the average taxpayer could see roughly $800 to $1,000 in annual savings from recent tax changes.
Several witnesses testified against the bill. Arkansas Appleseed’s Anna Morchetti, Missy Wyatt Joyce, Pastor Preston Clegg, Michelle Pedro of the Arkansas Coalition of Marshallese, and Arkansas Advocates for Children and Families’ Pete Guest all argued the state should prioritize funding for public schools, health care, supported living services, food assistance, rural hospitals, and early childhood education instead of further tax cuts. They said Arkansas faces significant unmet needs, including underfunded schools, food insecurity, and shortages in disability and community-based services, and warned the tax cut would mainly benefit higher earners while reducing resources for essential programs.
After testimony, the committee limited debate time for witnesses to five minutes. Representative Eaves closed by saying the state had been responsible in prior tax cuts and that the bill would return money to taxpayers without reducing services. Representative Bray also spoke in support, saying the legislature has continued to fund major priorities while still providing tax relief to working families. The committee then voted to pass the bill, and HB 1001 was approved.
AZ
Transcript Highlights:
- harassment on the basis of actual or perceived Jewish origin, ancestry, ethnicity, identity, or affiliation
- whereas the vital cause of education reform is one that transcends ideology and political party affiliation
Summary:
The Senate convened with prayer and the Pledge of Allegiance, then approved the journal and recorded attendance. Members observed a moment of silence for former Representative Noel Campbell, and several guest groups were recognized in the gallery, including Greater Phoenix school district leaders, GCU Government and History Club students, Arizona Food Bank Network representatives, and local and tribal officials visiting for appropriations and transportation-related discussions.
The chamber also adopted a proclamation recognizing International Holocaust Remembrance Day. Senators and guests offered remarks about the Holocaust, rising antisemitism, and the importance of education and remembrance, followed by a moment of silence. Later, the Senate received and unanimously adopted House Concurrent Resolution 2045 honoring the life and public service of former Congressman Raul Grijalva, with members of the Grijalva family present on the floor and several senators sharing personal tributes.
The Senate then processed a long list of governor’s nominations, first readings, and second-reading bill referrals, including measures on natural resources, education, health, public safety, elections, taxation, utilities, and appropriations. Senator Bolick also read a proclamation for National School Choice Week. The body recessed briefly, returned to consider SCR 1036 on Attorney General public statements, and then received committee announcements before adjourning until the next day.
WA
Washington 2025-2026 Regular Session
House Floor Session Jan 19th, 2026
Washington House Floor Meeting
Transcript Highlights:
- Across races, nationalities, religions, and affiliations, we are all.
- Across races, nationalities, religions, and affiliations, we are all your manifestation, your image,
Summary:
The House convened with a quorum present, the flags were escorted in, and the chamber observed the Pledge of Allegiance, a National Anthem performance by Pastor Pamela Bowman, and a prayer by Pastor Joseph Bowman. The session was centered on Martin Luther King Jr. Day, with remarks emphasizing Dr. King’s legacy of justice, nonviolence, equality, and service, along with musical performances including “Lift Every Voice and Sing” and “Grateful.”
House Resolution 4672, honoring Dr. Martin Luther King Jr., was read in full and moved for adoption by Representative Penner. Several members offered extended remarks supporting the resolution and reflecting on King’s impact, the continuing struggle for civil rights, and the need for moral courage, nonviolence, and community service. The House then voted and adopted House Resolution 4672 by voice vote, with the Speaker noting that applause was appropriate.
After the resolution, the House handled routine procedural business. Bills and resolutions on the introduction sheet were advanced to first reading and referred to committee, committee report items were referred as designated, and the Rules Committee was relieved of House Bill 1160 on local government design review and House Bill 1798 on firefighters pension boards, placing them on the second reading calendar. The Rules Committee was also relieved of Substitute House Bill 1066 on regulated substance use data and Engrossed House Bill 1574 on substance use care services, placing them on the third reading calendar. Both caucuses announced meetings after adjournment, and the House adjourned until 9:55 a.m. Tuesday, January 20.
TX
Transcript Highlights:
- The Texas Affiliation of Affordable Housing Providers in Texas for Housing are in support of this bill
- I am the board president of the Texas Affiliation.
Bills:
SB840 , HB2025 , HB2512 , HB3139 , HB3798 , HB3892 , HB4373 , HB4398 , HB4582 , HB4689 , HB5187 , HB5658 , HB5666
Committee:
House Land & Resource Management
Keywords:
HB 2025, Texas Property Code, plat filing, replat, amended plat, condominium plat, subdivision, county clerk, tax certificate, ad valorem taxes, delinquent taxes, property records, real property, land use, local government, property development, subdivision recording, condominium recording, tax receipt, eminent domain
NH
New Hampshire 2026 Regular Session
House Health, Human Services and Elderly Affairs (03/04/2026)
Health, Human Services and Elderly Affairs
Transcript Highlights:
- The thing that I was going to say was that our ERs in this critical access hospitals I'm affiliated with
- The thing that I was going to say was that our ERs in this critical access hospitals I'm affiliated with
- The thing that I was going to say was that our ERs in this critical access hospitals I'm affiliated with
- The thing that I was going to say was that our ERs in this critical access hospitals I'm affiliated with
- The thing that I was going to say was that our ERs in this critical access hospitals I'm affiliated with
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 3/25/25
Housing Finance and Policy
Transcript Highlights:
- </c><01:02:56.799><c> and</c> assistance due to our Affiliates and assistance due to our Affiliates and
- affordable path to homeownership, and by pairing first-gen DPA with a USDA direct loan, Habitat affiliates
- direct loan first gen DPA with a USDA direct loan have<01:05:36.119><c> Ted</c><01:05:36.359><c> Affiliates
- </c><01:05:36.760><c> support</c><01:05:37.200><c> access</c><01:05:37.480><c> to</c> have Ted Affiliates
- support access to have Ted Affiliates support access to home<01:05:37.839><c> ownership</c><01:05:38.319
Committee:
House Housing Finance and Policy
CO
Colorado 2026 Regular Session
Colorado Senate 2026 Legislative Day 112 May 6th, 2026
Colorado Senate Floor Meeting
Transcript Highlights:
- </c><01:03:07.920><c> of</c> accountability through disclosure of accountability through disclosure of
- </c><02:36:45.760><c> upon</c> internal procedures with disclosure upon internal procedures with disclosure
- </c><03:02:15.920><c> of</c> does not require that um disclosure of does not require that um disclosure
- This would render one of the main disclosure provisions functionally useless by only requiring disclosure
- </c> county executive officer disclosures. county executive officer disclosures.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Environment and Natural Resources Jun 21st, 2026 at 01:00 pm
Joint Committee on Environment and Natural Resources
Transcript Highlights:
- That's why the bill requires flood risk disclosures, so residents know if the house or the apartment
- And I was really glad on the flood disclosure piece to see that also pertaining to renters, and a disclosure
- And I was really glad on the flood disclosure piece to see that also pertaining to renters and a disclosure
- And we're glad to see that this bill addresses residential flood disclosure.
- The flood disclosure is vital. We've heard about that.
Summary:
The hearing focused on the Healey-Driscoll administration’s Mass Ready Act, a $3 billion environmental bond bill. Administration officials said the bill would fund climate resilience, clean water, land conservation, parks, PFAS remediation, food security infrastructure, and coastal and inland flood protection, while also streamlining permitting for housing, restoration, and other resilience projects. They emphasized that the bond authorizes spending but does not itself obligate it, and said the proposal includes deauthorizations as housekeeping. Committee members asked about the new Resilience Revolving Fund, flood and drought management, MVP funding, land acquisition, Chapter 61 right-of-first-refusal changes, salt marsh carbon sequestration, and how the bill would help smaller municipalities and offset expected federal funding losses. Officials said the revolving fund would be managed through EEA and the Clean Water Trust, with criteria aimed at directing aid to communities most in need, and noted that drought issues would continue to be handled through existing DEP and drought commission tools.
Several committee members and witnesses discussed specific policy provisions, including flood disclosure requirements for homebuyers and renters, expanded authority for regional planning and small-town access to grants, and permitting reforms that would exempt or expedite certain environmental restoration and priority housing projects from more time-consuming review processes. Administration witnesses defended the reforms as a way to achieve the same environmental outcomes faster and with more certainty, while some advocates argued the bill should go further, especially on Chapter 91 and restoration permitting. The administration also described investments in DCR facilities, water and wastewater systems, open space, agricultural easements, and a new focus on blue carbon and salt marsh restoration.
Public testimony largely supported the bill. Mass Audubon, the Trustees of Reservations, the Environmental League of Massachusetts, The Nature Conservancy, MAPC, the Massachusetts Municipal Association, municipal officials, and others praised the bill’s resilience, conservation, and water infrastructure investments. Some witnesses urged additional funding for land protection, coastal resilience, buyouts, and restoration, and several called for stronger or simpler permitting reforms. Municipal witnesses from Boston, Beckett, Beverly, Conway, and regional planning organizations stressed the need for flexible financing, especially for small and rural communities facing costly infrastructure and climate adaptation projects. No votes were taken during the portion of the hearing provided; the committee heard testimony and asked questions before moving on to additional panels.
CA
California 2025-2026 Regular Session
Senate Banking and Financial Institutions Committee Jun 17th, 2026
Transcript Highlights:
- At Greenlining, we've analyzed the home mortgage disclosure data for years and consistently see that
- At Greenlining, we've analyzed the home mortgage disclosure data for years and consistently see that
- First, Section 22163 with respect to disclosure requirements.
- We strongly support clear, transparent disclosures.
- Our request is simple: clarify that this section aligns with existing commercial disclosure law or is
Summary:
The committee heard AB 801, which would require the Department of Financial Protection and Innovation to conduct fair lending examinations of lenders on a regular schedule. The author and supporters, including the Greenlining Institute and several housing and consumer groups, argued the bill was needed because federal fair lending enforcement has weakened and California borrowers of color continue to face lending disparities. Banking and credit union representatives opposed the bill as duplicative and costly, though they acknowledged the author’s amendments and continued negotiations. The bill was approved on a vote and re-referred to Judiciary, with some members voting no or not voting at first and later the measure passing on a fuller roll call.
The committee then heard AB 871, which would strengthen elder fraud protections by requiring financial institutions to report suspected financial abuse to the FBI’s Internet Crime Complaint Center and notify customers of the report. The author and county and adult protective services supporters said the bill would improve pattern detection and help stop or reverse scams more quickly. Bankers opposed the customer-notification requirement, warning it could alarm seniors and that the reporting process would add operational burden, but the author and supporters said victim information is important for investigations. The bill passed with committee support and was re-referred to Judiciary.
AB 1842 and AB 1847, both related to mortgage forbearance after major disasters and the Eaton and Palisades fires, were also heard. AB 1842 would create a statewide framework for forbearance after federally declared major disasters, and AB 1847 would extend relief for wildfire survivors; both bills were amended to narrow triggers, clarify repayment and documentation issues, and remove some reporting requirements. Supporters included local officials, consumer groups, and housing advocates, while mortgage and banking groups remained in opposition on some implementation points but said they were working toward compromise. Both bills were approved and re-referred to Judiciary. Finally, AB 2116, dealing with merchant cash advances and small business financing transparency, was heard with broad support from small business and consumer advocates and partial support from some industry representatives after amendments; opponents still raised concerns about disclosure authority and unconscionability standards. The bill was also approved and sent to Judiciary. The committee additionally adopted a consent calendar of unrelated bills.
CA
California 2025-2026 Regular Session
Senate Banking and Financial Institutions Committee Jun 17th, 2026
Banking and Financial Institutions
Transcript Highlights:
- At Greenlining, we've analyzed the Home Mortgage Disclosure data for years and consistently see that
- At Greenlining, we've analyzed the home mortgage disclosure data for years and consistently see that
- First, Section 22163 with respect to disclosure requirements.
- We strongly support clear, transparent disclosures.
- Our request is simple: clarify that this section aligns with existing commercial disclosure law or is
Committee:
Senate Banking and Financial Institutions
MO
Missouri 2026 Regular Session
2026 Legislative Session - Day Sixty - Wednesday, April 29
Missouri House Floor Meeting
Transcript Highlights:
- I particularly love the disclosure provisions that are in the bill to be able to provide those disclosures
- We're wanting to put into statute that there has to be disclosures of what the terms are to make sure
- We're wanting to put into statute that there has to be disclosures of what the terms are to make sure
- wholesaler bill is when a wholesaler is going to put a home under contract that they need to submit a disclosure
- form to that seller, just kind of stating that, one, they don't represent their end. ...disclosure form
Summary:
The House convened with prayer and the Pledge of Allegiance, approved the previous day’s journal by a 126-0 roll call, and then heard several points of personal privilege, including recognition of National Fentanyl Awareness Day and a moment of silence for journalist Ray Hartman. Members also introduced numerous student groups, interns, and other guests in the gallery.
The chamber then took up conference committee action on House Bills 2637 and 3155, a large public safety/criminal justice package. Debate focused on juvenile justice changes, including narrowing prosecutorial authority to seek juvenile certification, provisions for juvenile detention facilities, assisted outpatient mental health treatment, cyberstalking, drone restrictions, and related sentencing and sex-offender registry provisions. The House adopted the conference committee report 124-13, passed the bill 119-18, and then adopted an emergency clause for the drone-related sections by 125-15.
Members also passed Senate Bill 834, a consumer protection and mortgage-related bill covering mortgage modifications and sale-leaseback disclosures, by 139-1, and Senate Bill 937, a land transfer measure authorizing the governor to dispose of certain state properties, by 137-2-1. Senate Bill 938, which raises recording fees to support the Missouri land survey program and recorder of deeds offices, passed 121-21-2. Senate Bill 973, dealing with wholesaler disclosures and adding land bank provisions while removing a school property right-of-first-refusal section, passed 110-36. The House then moved to announcements, noted upcoming committee meetings and Kentucky Derby Hat Day, and adjourned until April 30, 2026.
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 43 Apr 20th, 2026
Oklahoma House Floor Meeting
Transcript Highlights:
- It's saying having a reason to believe or receiving an allegation or disclosure that the student is a
- So to me that means it's not simply a whisper or perhaps an allegation, but it is a disclosure and they
- have reason to believe that the kid has been a victim, that they would report. ...disclosure, and they
- Think for a moment, if you will, about the public disclosure, whether or not it's intentional or not,
- a student is the victim of sexual abuse, sexual assault, or sexual misconduct, shall report the disclosure
Summary:
The House convened with prayer, the Pledge of Allegiance, and several special recognitions tied to the 31st anniversary of the Oklahoma City bombing. The chamber honored the 138th Fighter Wing Civil Engineer Squadron Fire Department as Veterans of the Week, and also recognized Dr. Camissa Stewart as Doctor of the Day and Tammy Powell as Nurse of the Day for their roles in the 1995 bombing response. A lengthy floor presentation followed, featuring remarks from legislators, Lieutenant Governor Matt Pinnell, memorial museum leaders, Justice Stephen Taylor, and Pastor Ronnie Fields, all focused on remembrance, the Oklahoma standard, the victims and survivors, and the importance of hope, civility, and the rule of law.
On legislation, Senate Bill 1733 was presented and debated. The bill requires school personnel who have reason to believe a student is a victim of child sexual abuse or sexual misconduct to report it to law enforcement within 24 hours. Supporters said it clarifies and strengthens reporting requirements to protect children, while opponents warned it could trigger harmful public accusations and undermine trust in educators and administrators. The House passed the bill 92-1, and the emergency clause also passed 92-1.
The House also considered Senate Bill 1439, an oil and gas measure intended to bar speculative climate-related lawsuits and limit liability to actual violations and provable harm. Supporters argued it would prevent frivolous litigation, protect the state’s energy economy, and keep costs down for consumers; opponents said it would create a special legal carve-out for industry and shift costs to taxpayers and families. The bill passed 74-16. In addition, Senate Bill 2184 was assigned to Rules, and H.J.R. 1078 and H.J.R. 1079 were withdrawn from Rules and sent to appropriations and budget committees. The House adjourned after announcements and introductions.
KY
Kentucky 2025 Regular Session
Senate Standing Committee on State & Local Government (3-13-25) - Upon Recess
Transcript Highlights:
- First question: it states that the agency states that disclosure of information could pose...
- </c><00:15:56.560><c> of</c><00:15:56.680><c> the</c> agency states that the disclosure of the agency
- states that the disclosure of the information<00:15:57.600><c> could</c><00:15:57.959><c> pose</c><00
- I believe that if you read the entire section, it says if the agency states that the disclosure of the
- I believe that if you read the entire section, it says if the agency states that the disclosure of the
Summary:
The Senate Standing Committee on State and Local Government considered three bills. House Bill 321, sponsored by Rep. DJ Johnson and supported by the Kentucky League of Cities and the Kentucky Realtor Association, was amended by committee substitute and adopted unanimously. As amended, it extends training deadlines for planning commission and board of adjustment members and adds required training on how planning and zoning policies affect housing supply and accessibility. The committee substitute also limits appeals of final board of adjustment actions to persons or entities claiming injury who own real estate in the same zone as the affected property. The bill passed 8-0, and a title amendment was adopted.
House Bill 340, sponsored by Rep. Tony Hampton with support from law enforcement and federal security representatives, would create a new section of KRS Chapter 13 to require criminal justice agencies to provide criminal history records for federal suitability or fitness background checks and allow a $25 fee for records requests reimbursed by the federal government. It also conforms juvenile records law to the new process. The committee approved the bill 9-0 with no opposition.
House Bill 520, sponsored by Rep. Chris Fugate and backed by the Kentucky Sheriff's Association, Kentucky Police Chiefs Association, and Kentucky League of Cities, generated the most debate. The bill and committee substitute would exempt certain open police investigation records from disclosure under the Open Records Act when an agency says release could harm an investigation or reveal informants or witnesses. Several senators raised concerns that the “could” standard was too broad and could weaken transparency, while supporters argued it was needed to protect ongoing investigations, witnesses, and officers. The committee initially failed the bill 6-4, then after additional vote changes and discussion, reconsidered it and advanced the amended bill with favorable expression 6-4 to the floor.
FL
Florida 2026 4th Special Session
January 14, 2026 - 04:00 PM
Transcript Highlights:
- STRAIGHTFORWARD CONSUMER TRANSPARENCY BILL THAT ALIGNS CITIZENS PROPERTY INSURANCE CORPORATION WITH DISCLOSURE
- THIS BILL PROVIDES TRANSPARENCY AND DISCLOSURE THAT CONSUMERS NEED TO BE ABLE TO MAKE AN INFORMED CHOICE
- COMPANY ON A PRIVATE INSURANCE MARKETPLACE IF WE ARE GOING TO REQUIRE PRIVATE CARRIERS TO MAKE DISCLOSURES