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• As of just a couple days ago, gas prices in California are 29 cents higher than second-place Hawaii,

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• And now the same experts we've sent over to the PUC to lose 40% of our dispatchable power for the cost

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• northwest Ohio all the way to Illinois, New Jersey, New York, Louisiana, New Mexico, Maryland, Michigan, Hawaii

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• From Hawaii and Washington to New York and Florida to my home state of Oklahoma, our nation's agricultural

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• reform will also discourage the growing trend to forum shop because, Madam Speaker, if you can go to Hawaii

Summary: The committee first heard testimony on House Bill 437, which would change New Hampshire law on undischarged mortgages by creating a shorter period after which certain old mortgages would be treated as unenforceable. Prime sponsor Representative Bill Boyd said the bill was developed with input from bankers, lawyers, realtors, the Attorney General’s office, and the Banking Department, and he noted a drafting correction needed on line 18. He explained that the proposal would replace current law with a new framework modeled partly on Massachusetts, including a five-year expiration after a stated maturity date and a 35-year period for mortgages without an expiration date. Supporters said the bill would help clear obsolete title defects, reduce costly quiet-title litigation, and make real estate transactions easier for consumers, attorneys, and conveyancers. Representative Mary Hakken-Phillips, Susan Cole of the New Hampshire Association of Realtors, and Michelle Coffin all testified in support, describing the bill as a consumer protection measure. They said undischarged or improperly discharged mortgages often surface during title searches, causing delays, legal expenses, and failed or delayed closings. Coffin and Hakken-Phillips emphasized that many of these cases involve old, effectively obsolete mortgages and that the current process often requires expensive court action even when no one contests the title. Cole described a recent transaction in which a title defect caused a buyer to walk away and later restart the financing process, creating costs for both buyer and seller. A committee member asked about notice to mortgage holders; the response was that the lender bears responsibility for recording and extending the mortgage, and that due process rights would remain if a lender later contested the discharge. Ryan Hill of the New Hampshire Bankers Association said the banking industry had reviewed the bill and was generally comfortable with it, while requesting a delayed effective date so members would have time to adjust their recording practices. He said the bill’s January 1, 2028 effective date reflected that request. After closing the hearing on HB 437, the committee opened a hearing on House Bill 721, the Gold and Silver Legal Tender Act. Representative Juliet Harvey-Bolia introduced it as a bipartisan economic justice bill intended to recognize gold and silver as legal tender, protect against inflation, and address concerns about trust, taxes, and government taking. She argued that gold is a stable store of value and discussed tax treatment in neighboring states, federal history, and digital gold platforms. The hearing on HB 721 was still in progress when the transcript ended, with the chair limiting questions because of time.