Video & Transcript Research : 'insurance code'
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AL
Transcript Highlights:
- somewhere that's a lot thicker that code somewhere that's a lot thicker that code somewhere that's a
- to do that and you also need insurance to do that and you also need insurance to do that and that's
- reasons they want you to have insurance reasons they want you to have insurance they want you to have
- they don't have per have insurance they don't have per have insurance they don't have per permission
- code section for have a separate code section for have a separate code section for nuisance that was
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (02/05/2025)
Transcript Highlights:
- and insurance insurance companies and insurance company<01:26:37.920>
executives <01:26:38.800 - He said this plan also brings a level of parity. insur insured through their employer are insur insured
- <01:41:30.280>
code claim Provisions in the insurance code claim Provisions in the insurance - insurance and it the co- Insurance insurance and it the co- Insurance obviously<01:54:16.920>
- <02:16:10.800>
insured parties were absolutely insured insured parties were absolutely insured
Summary:
The committee heard testimony on a non-germane amendment to HB 297 that would create the Granite State Home Mitigation and Resiliency Program. Insurance Commissioner DJ Beton, joined by department staff, explained that the proposal is intended to help homeowners afford insurance by funding proactive home improvements that reduce risk and improve insurability. He said the program would be funded by the first $1 million collected annually from the insurance premium tax, with grants of up to $10,000 available on a first-come, first-served basis.
Beton described the problem as rising homeowners insurance premiums, hard-market underwriting, nonrenewals, and the resulting shift to more expensive surplus lines coverage. He said eligible projects could include roof fortification, exterior improvements, flood-related foundation work, and removal of hazardous trees or limbs. He cited similar programs in other states, especially Alabama, Louisiana, and North Carolina, as evidence the model can work and noted that industry representatives were present in support. He also said the program would use means testing aligned with the Department of Energy’s weatherization program to target lower-income applicants.
Members asked about the non-germane process, who would administer the program, and how the bill would prevent misuse of grant funds. The commissioner said the department would administer the program using one repurposed existing position, with Treasury handling fund flow through an MOU. Staff explained that applicants would have to show completed work through a signed contract, itemized work, and a sworn contractor affidavit, with some upfront payment allowed for materials and the remainder paid after completion. The chair and members discussed that the amendment is being attached to a different bill only to move the proposal through committee and on to House Finance for further consideration.
NH
New Hampshire 2025 Regular Session
Senate Health and Human Services (01/22/2025)
Health and Human Services
Transcript Highlights:
- <01:12:54.440>
all say pretty much all Insurance all say pretty much all Insurance all insurance - to the insurance companies?
- insurer out there.
- We have ways to understand things like procedure codes that are collected through insurance, both Medicaid
- Insurance<01:54:46.360>
both collected through Insurance both collected through Insurance
FL
Transcript Highlights:
- take that into account when they're insuring vehicles.
- We're making it much more... ...when they're insuring vehicles.
- But also, colleagues, we need your help with insurance.
- So can I get my insurance rates to go back down?
- Tasha Carter, Florida's Insurance Consumer Advocate, the Office of the Insurance, DFS, waves in support
Summary:
The Committee on Rules took up a long agenda of bills and reported several measures favorably. Early action included CS for SB 678, allowing pawnbroker transaction forms to be printed or digital, and SB 466, which designates St. Johns County as the site for the Florida Museum of Black History and creates a board to work with the supporting foundation and county officials. Senators and public speakers largely supported the museum bill, though some members asked about feasibility studies and long-term planning. The committee also approved CS for SB 578 on wine containers, SB 582 on penalties for unlawful demolition of historic buildings, CS for SB 1168 creating an aggravated offense for unlawful tracking-device use in furtherance of crimes, CS for SB 806 clarifying that only the Florida Attorney General may represent beneficiaries of Florida charitable trusts as a public official, and SB 1228 to support spring restoration efforts for Ichetucknee and Santa Fe springs.
The committee then heard and favorably reported CS for CS for SB 304, which addresses child protective investigations involving infants and young children with genetic or other pre-existing medical conditions. The bill requires a qualified medical opinion before permanent removal in cases where injuries may be explained by an underlying condition, and it drew strong support from the sponsor and several speakers. Members also approved SB 1286 clarifying that ordinary unsupervised childhood activities, such as biking or playing outside, do not by themselves constitute neglect unless reckless, and SB 1318, a hands-free driving bill that renames the texting-while-driving law, expands the handheld-device prohibition, and adds penalties for handheld use in work and school zones and for certain serious crashes. The hands-free bill prompted the most debate, with supporters citing crash and fatality data and families sharing personal losses, while opponents raised concerns about enforcement, civil liberties, and potential disparate impacts on lower-income and minority drivers; the bill was still reported favorably after amendments.
Additional measures reported favorably included SB 14 and SB 20, two claims bills for injuries and deaths involving local governments, and CS for SB 68, which updates health facilities authority financing rules to reflect modern hospital structures. The committee also approved CS for SB 172 on health care practitioner specialty titles and designations after adopting an amendment protecting CRNA titles; the bill generated questions about whether licensed practitioners with doctoral degrees may still use the title doctor under their practice acts. Throughout the meeting, most bills were adopted without opposition, and the committee repeatedly voted to report them favorably.
WY
Wyoming 2026 Regular Session
House Labor, Health & Social Services Committee, February 18, 2026
Labor, Health & Social Services
Transcript Highlights:
- So they would have to be able to be insurable.
- And I think the able to be insurable.
- Malpractice insurance.
- Are these physicians that are doing consulting work for insurance companies?
- Are these physicians doing consulting work for insurance companies?
AZ
Transcript Highlights:
- Honestly, I shared about being a retail worker and the need for the codes.
- The codes are essential for financial institutions to determine.
- Insurers' recent cuts on CRNA provider care are just as qualified.
- It's not even about insurance versus health care providers.
- If I'm an insurance broker, if I'm running my insurance company, I don't want anybody telling me what
Summary:
The House convened with prayer, the Pledge of Allegiance, journal approval, and several guest introductions and recognitions, including military award honorees, a resident doctor of the day, and visitors from Sahuarita and Buckeye. The chamber also later paused to honor the University of Arizona men’s basketball team for its Final Four run with a formal proclamation and remarks from legislative leaders and Coach Tommy Lloyd. A separate announcement recognized Motorcycle Awareness Day at the Capitol.
The main legislative work centered on a large consent calendar and multiple Senate bills considered in Committee of the Whole and an additional Committee of the Whole. The House adopted committee amendments and advanced bills including SB 1067, 1100, 1137, 1174, 1189, 1206, 1215, 1235, 1254, 1413, 1503, 1620, 1668, 1671, and 1754, while SB 1428 was retained on the calendar. The House also referred SB 1160 and SB 1193 to an additional Committee of the Whole for further amendment, then advanced both as amended.
On third reading, the House passed SB 1058, SB 1237, SB 1294, and SB 1372. SB 1058 drew debate over merchant category codes for firearm-related transactions, with supporters arguing it protected Second and Fourth Amendment rights and opponents warning it would hinder business compliance and privacy concerns. SB 1237 and SB 1294 passed with little substantive debate. SB 1372, dealing with reimbursement for certified registered nurse anesthetists, prompted extensive debate over rural health care access, insurance reimbursement, and whether the legislature should set payment rates; it ultimately passed 33-20. The House also concurred in Senate amendments to several House bills and passed HB 2050 on final reading, sending it to the governor. The session adjourned until April 13, 2026.
NH
New Hampshire 2025 Regular Session
House Education Funding (03/31/2025)
Transcript Highlights:
- have, you know, private health insurance have, you know, private health insurance through<01:35:
- through the insurance department. Yes. through the insurance department. Yes.
- Do you have a code? Do you are using? Do you have a code?
- . service if it's not a code.
- I mean, we talked about private insurance, so maybe somebody from the insurance department.
Summary:
The subcommittee met to begin work on HB 742, which would require catastrophic special education aid to be drawn from the education trust fund, and more broadly to study special education aid/differentiated aid and related costing issues. The chair said the group was starting early because the issue has been debated for years without resolution, local districts are being forced to absorb prorated costs, and the committee wants to send the Department of Education and HHS Medicaid a clear request for data and recommendations before retained bills return in the fall. A committee clerk was also selected, with Representative Reverend volunteering to take notes for the meeting.
Members reviewed background materials on special education enrollment, high-cost students, and possible funding formulas, including data on students in high-cost brackets and prior ideas such as category-based funding and caseload-based approaches. The chair also referenced research on other states, including Arkansas, which uses a different special education funding structure and audits IEPs. The committee emphasized that it was focused on the funding mechanics and costs, not on questioning whether services should be provided.
Henry Lipman of HHS explained how Medicaid-to-schools currently works in New Hampshire. He said 172 school districts participate, but utilization dropped during the pandemic and remains below historical levels, in part because districts need the capacity to bill Medicaid. Under the current system, schools receive reimbursement based on half of the Medicaid fee schedule, with the school district effectively providing the state share. He said the federal government is requiring a shift by July 1, 2026, to a true certified public expenditure model based on actual costs, which should allow schools to recover 50% of their true costs and some administrative overhead. The department has received a roughly $2.5 million grant to hire a vendor and support districts through the transition, and an RFP and stakeholder meetings are underway.
Committee members asked about how costs would be determined, whether the new system would use actual district-specific costs rather than averages, and how the department would support districts that do not currently participate. Lipman said the cost model would be based on each district’s own reasonable costs, subject to audit standards, and that the department expects to provide templates and technical assistance through the vendor because its staff is limited. He also said about one in four New Hampshire children are enrolled in Medicaid, that child enrollment has been relatively stable, and that continuous coverage rules should reduce churn. No votes or formal actions on HB 742 were taken during the meeting beyond organizing the subcommittee and beginning testimony and discussion.
MN
Minnesota 2025-2026 Regular Session
Minnesota House OKs omnibus commerce bill that includes cryptocurrency kiosk ban 4/23/26
Minnesota House Floor Meeting
Transcript Highlights:
- Section 20 bans deceptive insurance advertising.
- Section 20 bans insurance industries.
- So it deceptive insurance advertising.
- The amendment is coded<00:04:34.880>
A3. - I recognize a member from coded A3.
Summary:
House File 4188, the commerce omnibus policy bill, was presented as a consumer-protection measure covering several areas: a statewide ban on crypto ATMs/kiosks beginning August 1, 2026; new recordkeeping and complaint-handling requirements; student loan borrower protections; restrictions on deceptive insurance advertising and insurance lead generators; bullion dealer jurisdiction clarifications; appraisal and appraisal management reporting requirements; scrap metal transaction tracking; collection agency clarifications; and unclaimed property improvements. The bill author said the overall goal was to address real consumer harm, especially scams and transparency issues.
Representative O'Driscoll urged adoption of the A3 amendment, explaining that it removed tax provisions that had come late in the process and could be handled in the tax bill instead. The amendment was adopted without objection. During floor debate on the bill, Representative Roach opposed the crypto kiosk ban, saying the state could regulate fraud without eliminating the machines entirely. Representative O'Driscoll defended the ban as necessary to protect older and vulnerable Minnesotans from scam tactics, and Representative McDonald raised concerns about a separate scrap metal licensing provision and a $500 late fee, which Representative Holland said had been recommended by the Department of Commerce.
After discussion, the bill author reiterated support for the measure and thanked committee and staff members. The House then took a roll call vote and passed House File 4188 as amended by a vote of 122-12, with its title agreed to.
FL
Transcript Highlights:
- The Office of Insurance Regulation requires a licensee to select one of the methods of solvency.
- This is just another tool in the toolbox for an insurance product that they can purchase.
- Law enforcement will be able to stop them and confirm that they have insurance.
- Without plates, without insurance, and without regulating the age of the drivers.
- Third, it reconciles a difference between the probate code and trust code by providing that ademption
Summary:
The Senate Committee on Rules met and considered a series of bills, beginning with CS/CS/SB 282 on home and service warranty association financial requirements. The bill would allow more than one collateral liability insurance policy to back a warranty license and make related financial requirement changes; an amendment clarifying policy options was adopted, and the bill was reported favorably. The committee also approved CS/SB 280 on candidate qualification, which creates an enforceable requirement and private right of action for party-affiliation qualification rules, and SB 7004, an open government sunset review bill that continues a public records exemption related to housing assistance program applicants or participants after disasters.
The committee then took up several member bills. CS/CS/CS/SB 88 would create an opt-in framework for local governments to allow utility terrain vehicles on certain roads, with safety requirements and insurance clarification added by amendment; supporters emphasized local transportation benefits and law enforcement tools, while several senators raised concerns about misuse in urban areas, and the bill was reported favorably. CS/SB 106 would allow substitute service through the same electronic platform used by scammers in vulnerable adult exploitation cases, with a 30-day hold clarified by amendment; it received support from elder law and advocacy groups and was reported favorably. CS/CS/SB 262 made technical changes to the Florida Trust Code, including decanting, trustee actions, ademption by satisfaction, and homestead/community property trust treatment, and was also reported favorably.
Additional bills approved included SB 402, which updates the unlawful use of uniforms, medals, or insignia statute by referring to armed forces as defined elsewhere in law; SB 700, which continues the public records exemption for site-specific location information for threatened and endangered species; and SB 7006, which preserves public records and meeting exemptions for building plans and related documents depicting 911, E911, and public safety radio communication infrastructure, including next-generation 911 systems. At the end of the meeting, senators requested to be recorded as voting in the affirmative on certain bills, and the committee adjourned without objection.
US
US Federal 2025-2026 Regular Session
Hearings to examine the nomination of Michael Faulkender, of Maryland, to be Deputy Secretary of the Treasury. Mar 6th, 2025 at 09:00 am
Finance Committee
Transcript Highlights:
- The chief economist of Freddie Mac has said that we are headed for an insurance collapse around coastal
- In extreme cases, insurers may withdraw from market segments altogether. which they are already doing
- In April, put on its cover, the warning that climate change, damaging insurance markets, imperils the
- I have been vocal about the need for clarity in the tax code. and proudly led a letter alongside the
- but through the individual code because they are partnerships or they are sole proprietors.
Keywords:
nomination, Deputy Secretary of Treasury, economic policy, inflation, tariffs, tribal nations, government relations
Summary:
The meeting convened to consider the nomination of Mike Falkender for the position of Deputy Secretary of the Treasury. During the session, multiple members voiced concerns regarding current economic policies under the Trump administration, particularly around inflation, tariffs, and the impact on small businesses. Discussions frequently centered on the administration's approach to tariffs and taxation, and how these factors contribute to the rising cost of living and potential job losses. Additionally, the importance of bolstering government-to-government relationships with tribal nations was emphasized, highlighting the need for specialized offices focused on tribal affairs within the Treasury Department.
LA
Transcript Highlights:
- So it's duplicative of the existing structure of the code, Children's Code and Criminal Code.
- And so the... of the code, children's code and criminal code.
- And now she's considered as a liability by her former employers and the insurance companies.
- So third-party insurance or private pay or Medicaid.
- Insurance: third-party insurance, private pay, Medicaid, or Medicare. Okay, okay.
NH
New Hampshire 2025 Regular Session
Senate Executive Departments and Administration (01/28/2025)
Executive Departments and Administration
Transcript Highlights:
- , the 2021 building code, and the 2023 electrical codes.
- code review board the local Town codes code review board the local Town codes must<00:38:47.000>
- our building codes.
- state fire code.
- <00:52:15.839>
Senate <00:52:16.200>Bill Code and the state fire code Senate Bill Code
TX
Texas 89th 2nd C.S.
Senate Committee on Health and Human Services Jul 8th, 2026
Health & Human Services
Transcript Highlights:
- It's right here in the penal code.
- Your medical insurance. Yes.
- So they would have to purchase medical insurance.
- There are also already ethics codes that exist.
- There are people who specialize in insurance policies for surrogacy... ...specialize in insurance policies
NH
Transcript Highlights:
- If the answer is yes, should that care be left to the honor code alone?
- If the answer is yes, should that care be left to the honor code alone?
- amends default terms in the trust code amends default terms in the trust code known<00:33:59.480
- The trust code is complicated.
- <01:46:13.920>
on aren't big enough to self-insure on aren't big enough to self-insure on
MS
Mississippi 2026 Regular Session
MS House Floor - 4 February, 2026; 10:00 AM
Mississippi House Floor Meeting
Transcript Highlights:
- <00:24:05.039>
section is going to amend SE code section is going to amend SE code section - Insurance. Gentleman from chairman of insurance. You're recognized.
- Gentleman from chairman of insurance. Gentleman from chairman of insurance.
- Insurance<01:12:36.880>
yields. Insurance yields. Insurance yields. - left that code section in this be all? left that code section in this be all?
Summary:
The House convened with prayer and the pledge, established a quorum, dispensed with reading the journal and bill introductions, and then moved through announcements recognizing visitors in the galleries, including cancer advocacy groups, Mississippi Math and Science School students, a gospel choir, Leadership Greater Jackson, and other guests. Members also made several commendations, including recognition of Elena Johnson’s softball accomplishments and a student’s appointment to West Point.
On the general calendar, the House passed House Bill 1076, the SAVE Act of 2026, by a vote of 122-0. The bill is described as a consumer protection measure for veterans that prohibits pay-to-refer arrangements, tightens standards for paid claims assistance, requires written agreements and limits upfront or nonrefundable fees, and adds privacy and disclosure safeguards. The House also passed House Bill 223, designating a segment of Highway 537 as the Sergeant John Howard Tanner Memorial Highway, by 122-0.
The chamber then passed House Bill 1112, which revises state aid road division laws to expand purchasing authority, increase authorized vehicles, and allow unused county road funds to be reallocated after a period of time, by 120-1. House Bill 737, with an adopted amendment, allows Medicaid providers to repay certain non-fraud overpayments in installments when immediate repayment would cause hardship and aligns the repayment timeline with federal law; it passed 116-0. The House also passed House Bill 479 on marriage and family therapy and psychology licensure changes, adopting an amendment that extends the time to verify credentials for out-of-state applicants and provides a temporary license, by 121-0.
Additional bills passed included House Bill 991 on third-party registration systems for used motor vehicle parts dealers and scrap metal processors (118-0), House Bill 1072 creating voluntary portable benefits accounts for independent contractors (119-0), House Bill 1137 revising CPA licensure education and experience requirements (118-1), House Bill 571 extending the foreign-national contribution ban to ballot measures (111-1), House Bill 630 allowing certain county electors to serve as municipal poll managers in small municipalities (113-4), House Bill 858 requiring election equipment internet connectivity to be disabled on election day (116-1), House Bill 788 changing how affidavit ballots can update voter registration information, with an amendment adopted, (115-3), and House Bill 908 tying Mississippi’s mail-ballot counting rule to the outcome of pending federal litigation so state and local races would be treated the same if the current federal-race rule is struck down (the bill was under discussion at the end of the excerpt).
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (03/12/2025)
Transcript Highlights:
- insurance companies too it has Insurance insurance companies too it has Insurance in<00:35:58.079
- I can sell all health insurance.
- Only the insured, only the insured Medicare patients would not be hit with the same billing, right?
- It was only for the insured.
- only to the insured only to the insured only to the insured only to the insured Medicare<04:27:32.600
Summary:
The subcommittee first took up several bills and repeatedly chose to retain or table them rather than advance them. House 167, dealing with past wax, was voted ought to pass; House 312 was retained because members said NCAA-related advertising and uniform policy issues were still unresolved; House 434, requiring insurers to provide rental cars for at least seven days, was voted inexpedient to legislate; and House 454, on biodegradable packaging claims, was also voted inexpedient to legislate after members said the proposal lacked a workable enforcement mechanism and would likely be only a symbolic state-by-state measure. House 721, making gold legal tender, was retained, with members saying the bill needed more work and that the issue was less compelling in New Hampshire because the state has no sales tax.
The committee then discussed House 310, which was amended to create a study commission on blockchain and related regulatory issues. The amendment expanded the commission’s charge to include legal, regulatory, financial, technological, and environmental considerations, added review of federal developments, included blockchain-based trust and stable token issues, broadened membership, and extended the repeal and report dates by a year. Members said the commission would help New Hampshire develop expertise and a report for future legislation, while also noting that federal action could affect the state’s role. The amendment was adopted 8-1, and the bill itself was then retained.
Finally, the subcommittee heard a revised amendment to House 406 on business filings and registered agents. The Secretary of State’s office explained that the amendment, drafted with input from the Business and Industry Association, narrows the bill to address fraudulent or unauthorized entity filings after a written complaint and sworn statement, sets minimum requirements for registered agents, bars use of commercial mail-drop addresses as registered offices, and allows removal or cancellation of fraudulent filings with penalties for false filings. Members asked about which entities must maintain registered offices and how the rules would affect home-based businesses; the sponsor said most New Hampshire business entities must have a registered office, with some exceptions such as domestic nonprofits and trade names. The discussion emphasized concerns about synthetic entities, identity misuse, and the need for a physical in-state registered agent address.
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (05/13/2025)
Transcript Highlights:
- , um, even with folks here on Commerce and the Insurance, some of our insurance carriers, that there
- folks here on commerce and the insurance folks here on commerce and the insurance some<03:21:56.319
- 21:57.359>
that some of our insurance carriers that some of our insurance carriers that there< - <03:33:13.920>
in supplementing um private insurance in supplementing um private insurance - status not the provider ers nor insurers status not the provider ers nor insurers to<03:38:32.720
Summary:
The committee first took up several liquor-related bills. Senate Bill 24, allowing students under 21 to taste wine in educational settings, drew no opposition or amendment and was reported out 6-0. Senate Bill 79, authorizing self-pour automated systems under the liquor commission, also faced no opposition and was voted ought to pass 6-0. Senate Bill 80, shifting licensing, auditing, and enforcement for wholesale and retail e-cigarette sales to the liquor commission, prompted discussion about whether the change would add cost; members heard that the liquor commission already handles similar enforcement and that the change was meant to address nonreporting. It was voted ought to pass 6-0.
The committee then discussed Senate Bill 87, concerning alcohol service in salons, barbershops, and spas. Members and staff focused on how to limit the amount served, whether to require recordkeeping, and privacy concerns about tracking what patrons drank. The discussion settled on removing references to alcohol type and quantity and keeping only patron records, with the understanding that the agency would set the details by rule. The bill was not formally amended at the meeting, but members agreed an amendment would be drafted for the following week; the bill itself was reported ought to pass with that amendment to be determined.
Finally, the committee heard testimony on Senate Bill 245, the EMS No Surprises Act and System Stabilization Act. The sponsor, Senator Suprena, said the bill would prohibit balance billing for emergency ambulance calls and unscheduled transfers, while setting reimbursement at either locally set public rates or 325% of Medicare. She explained that the proposal was based on national work on ground ambulance billing and was intended to stabilize struggling EMS providers. Committee members sought clarification that the bill did not eliminate balance billing for non-emergency transfers, and the sponsor confirmed it did not. A second witness, Jerry Stringham, testified in support, citing his reimbursement background.
NM
Transcript Highlights:
- Insuring hospitals is a very different game than insuring individual doctors.
- Insuring hospitals is a very different game than insuring individual doctors.
- So they insure both things.
- , you can buy term insurance or you can buy whole life insurance.
- whole life insurance.
Keywords:
sexual crimes, statute of limitations, criminal justice, victim rights, child abuse, procurement, contracting, small business, local government, disaster recovery, emergency procurement, certification, public spending, juvenile justice, delinquency, rehabilitation, community corrections, risk assessment, public safety, health regulations
US
US Federal 2025-2026 Regular Session
Business meeting to consider the nomination of Michael Faulkender, of Maryland, to be Deputy Secretary of the Treasury; to be immediately followed by hearings to examine the nomination of Mehmet Oz, of Pennsylvania, to be Administrator of the Centers Mar 14th, 2025 at 09:00 am
Finance Committee
Transcript Highlights:
- , not all insurers do. companies focus on the same things.
- How many children losing health insurance? I don't want children losing health insurance.
- And there is frustration with coding.
- That is responsible. for coding and it is time.
- I'm sorry, should insurance com- Should physicians- or insurance companies dictate the care that a patient
Keywords:
Michael Falkender, Deputy Secretary of the Treasury, IRS, taxpayer privacy, nomination process, committee hearing
Summary:
The committee convened to discuss critical issues surrounding the nomination of Michael Falkender for the position of Deputy Secretary of the Treasury. This meeting included a series of remarks from committee members who expressed divergent views on Falkender's qualifications and the implications of his appointment. Senator Wyden voiced strong opposition, arguing that Falkender represents harmful policies expected to be perpetuated under the current administration, especially concerning taxpayer privacy and IRS tactics. Meanwhile, other members defended Falkender, noting his extensive experience, including a commitment to transparency in government operations if confirmed.
MN
Minnesota 2025 1st Special Session
House Housing Finance and Policy Committee 1/22/25
Housing Finance and Policy
Transcript Highlights:
- in 2023 it was a 25% increase Insurance in 2023 it was a 25% increase in<00:43:20.760>
insurance< - It's because of the structure of the insurance market and reinsurers that insurers in California and
- that can be attributed to building code that can be attributed to building code changes<00:47:52.839
- <01:11:35.120>
uh should not depend on their zip code uh should not depend on their zip code - by enforcing a Statewide building code by enforcing a Statewide building code in<01:11:37.159>
Summary:
The House Housing Finance and Policy Committee approved the previous meeting’s minutes and then heard testimony from Housing First Minnesota and the Coalition of Greater Minnesota Cities on housing supply, affordability, and land-use policy. Mark Foster of Housing First Minnesota said the state is chronically undersupplied by roughly 100,000 units, that the median new single-family home price has risen above $530,000, and that only about 27% of Twin Cities households can now afford a new home. He argued that regulatory and local approval processes, especially planned unit developments and aesthetic mandates, add significant cost and reduce the number of homes built, and he urged the committee to remove exclusionary barriers and modernize residential development approvals.
Members questioned Foster about zoning, aesthetic requirements, and homeowners associations. He said most new housing in growing metro communities is negotiated through PUDs, which he described as increasing costs and limiting supply, and gave examples such as stone exterior requirements adding thousands of dollars to a home. He also said HOAs can be useful in some cases but are often imposed when not needed. Several legislators responded positively to the Housing First Minnesota Foundation’s work, including transitional housing and veteran housing projects.
Elizabeth Wefel of the Coalition of Greater Minnesota Cities said cities outside the metro also face a housing shortage, but their challenges differ: market failure, inadequate sewer and water infrastructure, and gaps in starter, workforce, and senior housing. She said many Greater Minnesota cities are already updating zoning, reducing lot sizes, allowing more density and ADUs, and investing local money, land, and partnerships to spur development. She asked the legislature to speed up rollout of housing funds, support infrastructure and workforce programs, and adjust housing tax credit and TIF rules, while warning against one-size-fits-all preemption of local zoning authority. Members discussed the need for tailored solutions and the differences between metro and Greater Minnesota housing markets.