Transcript Highlights:

• Talking with HPIA's current reinsurance broker, they had a condo mall risk in another state, not Hawaii
• they had a condo Mall risk in broker they had a condo Mall risk in another<00:32:46.039> state
• I'm not sure why you didn't just do an RFP to see what's out there in terms of other insurance brokers
• I'm not sure why you didn't just do an RFP to see what's out there in terms of other insurance brokers
• I'm not sure why you didn't just do an RFP to see what's out there in terms of other insurance brokers

Keywords: 912, senate, all

Transcript Highlights:

• So we just wanted to offer that data point.
• So we just wanted to offer that data point. We stand in strong support. Thank you, Mr.
• I did not bring that data folder with me, but most of those families are right at 400%.
• Chairman and Representative Silva, I am not sure that we have that data.
• And just looking at all the information and data, I just...

Bills: SB241, SB145, HB2

Keywords: child care, child care assistance, child care subsidy, early childhood education, early childhood care, daycare, preschool, pre-K, Head Start, Early Head Start, Children's Code, early childhood education and care department, ECECD, child care facilities, licensed child care, registered child care, copayments, waitlist, subsidy, federal poverty level

Transcript Highlights:

• He also said that in the 2023-2024 year, the vendor was paid $1.2 million in commission fees and broker
• A question was raised about whether the new vendor would be paid broker fees or vendor fees.
• The witness replied that the broker fee is the million dollars on the contract, and said that the prior
• broker had been paid 1.2 and had held the contract for 20 years.
• I'd have to go back and look at how<00:46:06.160> the<00:46:06.560> data<00:46:06.800><

Keywords: 958, all

Summary: The committee opened with a moment of silence for Representative McCool, who was absent due to a family death, then approved the April 14 minutes and noted the agenda contained 482 items totaling about $138.6 million. The first deferred item involved the Office of the Controller and a brokerage services contract. Senators questioned why the new contract was roughly $1 million a year when a prior vendor had been paid about $300,000 annually, why the procurement was rebid after years of no-bid arrangements, and why past performance was not heavily weighted. Agency witnesses said the prior vendor had held the work for more than 20 years, the new RFP drew more competition, technical evaluators did not see cost until after technical scoring, and AON received the highest technical score despite being an out-of-state vendor with its closest office in Nashville. After discussion, the committee voted to take no action, and the contract advanced to the Finance Cabinet for final decision. The committee then considered a DCBS memorandum of agreement amendment. Members asked what funding was being redirected to cover an increase of about $265,000. DCBS explained that reduced spending on interpreter services, due to more commonly used forms being translated into other languages, freed up funds to support the contract. The committee approved the item. Next, the committee reviewed an initial contract for the Kentucky Board of Hairdressers and Cosmetologists. The board explained that its small legal staff was handling 11 active cases and needed outside counsel with investigators and additional attorneys because of ongoing litigation and disciplinary changes tied to prior legislation and a recent LOIC report. Members asked whether the contract was a not-to-exceed amount and whether the board could afford it; the board said the $50,000 was a ceiling, not an expected spend, and that the board was fully funded through licensing fees and currently running a surplus. Senator Thomas urged support, citing recent reforms in Senate Bills 14 and 22 and the need to help the board work through corrective action. The committee approved the contract. The Board of Pharmacy item was then deferred at the agency’s request until the June 2025 meeting, and the committee approved that deferral.

Transcript Highlights:

• We're strengthening protections in this bill for broker fraud, investment broker fraud, which has seen
• protections in this bill for broker protections in this bill for broker fraud,<00:34:44.720>
• , investment broker fraud, which fraud, investment broker fraud, which has<00:34:46.240> seen<
• would increase the rates data would increase the rates 20%<00:54:22.880> in<00:54:23.280>
• and they predict in 5 years that data and they predict in 5 years that it's<00:54:39.040> increase

Keywords: 1187, senate, all

Transcript Highlights:

• The data that we analyze is data that is collected and distributed by OCA and DPS.
• The system does not release any images or data.
• Unfortunately, some of those reports have data problems.
• reporting to ensure data quality and accuracy.
• That's a good baseline for data, but now what are we going to do with the data?

Bills: HB1455, HB1777, HB2101, HB2136, HB2609, HB3142, HB3552, HB3846, HB4155, HB4514, HB4879, HB4995, HB5014, HB5139, HB5228, HB5436, HCR40

Keywords: mental health, jail diversion, law enforcement, reporting requirements, criminal justice, data collection, criminal justice reform, intellectual disability, mental illness, data reporting, public safety, reporting, substance abuse, sex offender, driver's license, identification, gunshot detection, unreported gunshots, municipal police, crime investigation

Summary: The committee met with a quorum and heard several bills, generally leaving them pending after testimony. HB 4995 would create a training/certification program allowing licensed physicians and certain EMS personnel assigned to tactical units to carry firearms during high-risk deployments, with supporters saying it would protect tactical medical staff and improve emergency care; the committee substitute was withdrawn and the bill left pending. HB 2609 would repeal the OmniBase/failure-to-appear-or-pay license hold program; the author and supporters argued it unfairly compounds debt and traps drivers in noncompliance, while judges and municipal court representatives said it is an effective, voluntary tool that prompts court appearances and reduces warrants. HB 4879 would create a grant program to help local law enforcement pay for lab testing of suspected hemp/THC substances, and HB 5436 would allow licensed auto recyclers to purchase certain untitled vehicles for scrap or parts to curb illegal sales, VIN cloning, and chop shop activity; both bills drew supportive testimony and were left pending. The committee also heard HB 1777, which would place a discrete sex-offender designation on driver’s licenses and state IDs for registrants under Chapter 62. The author said the marker would help law enforcement and businesses quickly identify potentially dangerous offenders and cited other states and research in support, while opponents argued it would function as a scarlet letter, increase harassment, and punish people who are already complying with the law. HB 4155 would create a Family Violence Criminal Homicide Prevention Task Force in the Governor’s Office to study risk factors, coordinate agencies, and recommend policy changes; the author, HHSC, TCFV, and a survivor testified in support, emphasizing the number of family violence homicides and the need for coordinated, data-driven prevention, and the bill was left pending. Finally, HB 4514 would authorize DPS to use facial image verification, with consent and confidentiality protections, to help businesses verify identities and combat fraud. Supporters from the lumber and identity-verification industries said it would reduce losses from fake IDs and organized theft, while the author stressed privacy safeguards and limited, consent-based use. The committee substitute was withdrawn and the bill was left pending.

Transcript Highlights:

• Bill 1217 by Osborne of the House and Daniels of the Senate, an act relating to real estate brokers.
• It provides that brokers and agents are not required to have consumers sign a brokerage agreement before
• Senate Bill 1217 by Osborne of the House and Daniels of the Senate, an act relating to real estate brokers

Bills: SB1543, HB1933, HJR1088, HJR1090, HJR1091, HJR1092, HJR1093, HJR1095, SB1859, HB2988, HB3016, SB237, SB2065, HB3418, HCR1027, SB1641, SB1589, SB44, SB563, SB1403, HB1979, HB3075, SB2045, SB1653, SB1655, SB2030, HB2951, SB2028, SB2071, SB206, SB1849, HB3755, SB1509, SB1314, SB1561, SB1217, SB1618, HJR1096, HJR1099, HJR1100

Keywords: driving under the influence, felony offense, ignition interlock device, community service, criminal assessment, nitrous oxide, Maddix Bias Act, intoxication, underage sale, misdemeanor, drug paraphernalia, enforcement, education rules, administrative rules, joint resolution, Oklahoma State Department of Education, higher education, State Regents for Higher Education, Teachers' Retirement System, charter schools

Transcript Highlights:

• Senate Bill 1217 by Osborne of the House and Daniels of the Senate, an act relating to real estate brokers
• Senate Bill 1217 by Osborne of the House and Daniels of the Senate, an act relating to real estate brokers
• It provides that brokers and agents are not required to have consumers sign a brokerage agreement before
• Senate Bill 1217 by Osborne of the House and Daniels of the Senate, an act relating to real estate brokers

Bills: SB1543, HB1933, HJR1088, HJR1090, HJR1091, HJR1092, HJR1093, HJR1095, SB1859, HB2988, HB3016, SB237, SB2065, HB3418, HCR1027, SB1641, SB1589, SB44, SB563, SB1403, HB1979, HB3075, SB2045, SB1653, SB1655, SB2030, HB2951, SB2028, SB2071, SB206, SB1849, HB3755, SB1509, SB1314, SB1561, SB1217, SB1618, HJR1096, HJR1099, HJR1100

Keywords: driving under the influence, felony offense, ignition interlock device, community service, criminal assessment, nitrous oxide, Maddix Bias Act, intoxication, underage sale, misdemeanor, drug paraphernalia, enforcement, education rules, administrative rules, joint resolution, Oklahoma State Department of Education, higher education, State Regents for Higher Education, Teachers' Retirement System, charter schools

Summary: The House convened with prayer, the Pledge of Allegiance, and several recognitions, including Veteran of the Week Colonel Stanley L. Evans, Oklahoma City Young Professionals, state contest winners for America’s 250th anniversary, and a long series of page introductions. The chamber then moved into floor action on a large number of measures, many of them Senate bills and House joint resolutions dealing with administrative rules and agency oversight, public safety, education, health, agriculture, business, and tax policy. Among the major bills discussed were SB 1543 on aggregating multiple DUI charges within one year into a single felony case, HB 1933 on nitrous oxide violations, SB 1859 creating an OSBI Cybercrimes and Fraud Unit, SB 237 on ad valorem tax NAICS code changes, SB 2065 designating pollinator-related state symbols, SB 44 extending nonprofit sales tax exemptions to contractors, SB 2030 updating automated expungement procedures, SB 2045 expanding the Grow Your Own education program, and several water and agriculture measures including SB 1509, SB 1314, and SB 2071. Members also considered multiple joint resolutions approving permanent administrative rules for education, energy and agriculture, business and commerce, health agencies, and building code rules, with Kendricks explaining that some major rules were separated out for transparency and, in one case, a cost mitigation agreement had been reached. Testimony and debate were generally brief and focused on clarifying amendments. Several authors explained that amendments were added to address constitutionality, remove outdated or incorrect language, or reflect negotiated changes with agencies and stakeholders. Notable discussion included concerns about forum shopping in SB 1543, questions about the scope of the Grow Your Own program in SB 2045, and clarification that SB 1618’s pretrial report language had been changed to a public safety report agreed to by sheriffs and district attorneys. The House adopted numerous amendments without objection and passed the bills by wide margins, including some unanimous or near-unanimous votes, while a few measures drew more opposition, such as SB 1403, SB 1509, SB 2071, and SB 1618. The House also adopted HCR 1027 setting sine die adjournment for Thursday, May 14, and adjourned until the next day, May 5, 2026, at 9:30 a.m.

Transcript Highlights:

• With the increasing reliance on data, clerk's office questions that arise.
• I do have some data.
• I do have some data that I could just, if I could just share quickly.
• of Real Estate Brokers.
• Data is good, and we appreciate the data we get from you folks, but I’ll be honest, when I was going

Keywords: 995, all

Summary: The Joint Committee on Housing held its second introductory hearing to frame the session’s housing agenda. Chairs Cyr and Haggerty described the hearing as a chance to hear a wide range of perspectives on Massachusetts’ housing crisis, including underbuilding, zoning and permitting barriers, rising costs, and the need for both state and local action. The committee heard from court, municipal, advocacy, and regional housing leaders, with recurring themes of increasing supply, preserving existing housing, preventing displacement, and expanding resources for renters and homeowners. Chief Justice Diana Horan of the Housing Court said the court is handling more than 40,000 new filings annually with only 15 judges, and estimated the court would need about 21 judges to meet demand. She described complications from RAFT-related stays, mental health and guardianship issues, aging housing stock, and the new eviction sealing law, which she said was being implemented smoothly but may require additional resources if filings continue to rise. The Massachusetts Municipal Association and MAPC emphasized that municipalities need flexibility, funding, and better tools such as MassWorks, Housing Works, H-DIP, 40R reforms, inclusionary zoning changes, and a local option transfer fee; they also said local control concerns and long permitting timelines remain major barriers. MAPC and others stressed that supply growth alone will not solve the crisis and urged continued support for subsidized housing, access to counsel, and modular/off-site construction. Advocates and housing providers focused on displacement, preservation, and tenant protections. Homes for All Massachusetts and Mass Law Reform Institute called for rent stabilization, stronger tenant protections, foreclosure prevention, elimination of junk fees, continued funding for RAFT and HomeBASE, and expanded access to counsel. Mass Union of Public Housing Tenants said the state needs far more extremely low-income housing, more operating subsidy, and major investment to repair public housing, while also supporting tenant technical assistance during redevelopment. Franklin County’s housing authority warned that rural communities are being left out of many state programs and asked for a rural LIHTC set-aside, a permanent rural credit boost, and a review of housing choice programs. A Massachusetts Taxpayers Foundation researcher presented findings that communities that add housing generally see stronger municipal finances, and that housing growth can improve property tax and state aid outcomes. Seasonal community representatives from Cape Cod, Martha’s Vineyard, and Nantucket described extreme affordability pressures and the need for tailored tools. Nantucket’s housing trust chair said the island has made progress through local funding, inclusionary zoning, and deed-restricted units, but still needs a real estate transfer fee and faster ways to preserve year-round housing. Across the hearing, members and witnesses repeatedly returned to the need for a mix of production, preservation, tenant protections, and local flexibility, rather than relying on any single policy solution.

Transcript Highlights:

• providers. and Human Services Senate Bill 1343 by Johnson relating to the notice requirements of a data
• broker broker registration state and internet website to business and commerce.

Bills: SJR36, SJR3, SB616, SB565, SB384, SB5, SJR52, SJR53, SJR54, SJR55, SCR18, SCR19, SCR22, SB27, SB29, SB35, SB1151, SB1152, SB1153, SB1154, SB1155, SB1156, SB1157, SB1158, SB1159, SB1160, SB1161, SB1162, SB1163, SB1164, SB1165, SB1166, SB1167, SB1168, SB1169, SB1170, SB1171, SB1172, SB1173, SB1174, SB1175, SB1176, SB1177, SB1178, SB1179, SB1180, SB1181, SB1182, SB1183, SB1184, SB1185, SB1186, SB1187, SB1188, SB1189, SB1190, SB1191, SB1192, SB1193, SB1194, SB1195, SB1196, SB1197, SB1198, SB1199, SB1200, SB1201, SB1202, SB1203, SB1204, SB1205, SB1206, SB1207, SB1208, SB1209, SB1210, SB1211, SB1212, SB1213, SB1214, SB1215, SB1216, SB1217, SB1218, SB1219, SB1220, SB1221, SB1222, SB1223, SB1224, SB1225, SB1226, SB1227, SB1228, SB1229, SB1230, SB1231, SB1232, SB1233, SB1234, SB1235, SB1236, SB1237, SB1238, SB1239, SB1240, SB1241, SB1242, SB1243, SB1244, SB1245, SB1246, SB1247, SB1248, SB1249, SB1250, SB1251, SB1252, SB1253, SB1254, SB1255, SB1256, SB1257, SB1258, SB1259, SB1260, SB1261, SB1262, SB1263, SB1264, SB1265, SB1266, SB1267, SB1268, SB1269, SB1270, SB1271, SB1272, SB1273, SB1274, SB1275, SB1276, SB1277, SB1278, SB1279, SB1280, SB1281, SB1282, SB1283, SB1284, SB1285, SB1286, SB1287, SB1288, SB1289, SB1290, SB1291, SB1292, SB1293, SB1294, SB1295, SB1296, SB1297, SB1298, SB1299, SB1300, SB1301, SB1302, SB1303, SB1304, SB1305, SB1306, SB1307, SB1308, SB1309, SB1310, SB1311, SB1312, SB1313, SB1314, SB1315, SB1316, SB1317, SB1318, SB1319, SB1320, SB1321, SB1322, SB1323, SB1324, SB1325, SB1326, SB1327, SB1328, SB1329, SB1330, SB1331, SB1332, SB1333, SB1334, SB1335, SB1336, SB1337, SB1338, SB1339, SB1340, SB1341, SB1342, SB1343, SB1344, SB1345, SB1621, SJR57

Keywords: dementia, Alzheimer's disease, Parkinson's disease, research funding, state budget, prevention, healthcare, medical research, Dementia Prevention and Research Institute, aquifer, water management, Edwards Aquifer, sustainability, regulatory framework, SB 565, Texas Water Code, TCEQ, Texas Commission on Environmental Quality, compliance agreement, enforcement suspension

Transcript Highlights:

• Allowing the use of agents and brokers would contradict that.
• The one thing that every bad actor has had in common is that they've used brokers and agents.
• But the harm that the use of brokers can and will cause still exists.
• John, you're recognized. bad actor has had in common is that they've used brokers and agents to grow
• But the harm that the use of brokers can and will cause still exists.

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Transcript Highlights:

• And so no one's been held accountable at this point for doing what we call patient brokering.
• This will be the first time that we are even going after patient brokers.
• And so we thought that this would help go after and stop the patient brokering from happening.
• And we have to bring these patient brokers and hold them accountable and put them in jail or wherever
• And I'm sure that could be some kind of data we could capture—readmissions or...

Bills: SB1095, SB1114, SB1116, SB1162, SB1164, SB1178, SB1179, SB1249, SB1253, SB1346, SB1347, SB1446, SB1561, SB1813

Keywords: gender transition, minors, irreversible surgery, health professionals, puberty-blocking drugs, medical procedures, prohibition, Arizona Revised Statutes, behavioral health, patient brokering, appropriation, state funds, Maricopa County, claims review, medical necessity, American Indian health program, healthcare regulations, healthcare compliance, behavioral health technicians, licensing

Summary: The committee first heard Senate Bill 1114, which would appropriate $1 million to the Maricopa County Attorney’s Office to investigate behavioral health patient brokering statewide. Sponsor Sen. Karen Werner described the bill as a response to fraud involving vulnerable Native Americans and said the county attorney would investigate the whole state. Some members questioned why the Attorney General was not handling the work and whether the funding should go to a county office, while others supported the effort. The committee voted 10-1 with one present to give SB 1114 a due pass recommendation. The committee then considered Senate Bill 1116, which would require that denials or adverse appeal decisions on behavioral health claims for the American Indian Health Program be reviewed by someone with at least two years of relevant clinical experience. Access testified neutral but said the bill’s language was too broad and could increase appeals and staffing needs, estimating about $490,000 for eight FTEs. Sen. Werner said the bill was meant to prevent inappropriate denials by reviewers without relevant expertise. Members raised concerns about definitions and staffing, and the committee approved the bill 7-4 with one present. Senate Bill 1346 would require Access to notify providers of claim deficiencies within 72 hours and decide corrected claims within 10 business days. Supporters said the measure would reduce long delays and help providers stay afloat; Access said it was working on process improvements but warned the bill would require more staff and system changes, estimating about $580,000. The committee passed SB 1346 7-5. Senate Bill 1347, requiring insurance coverage for fertility preservation services for cancer patients at risk of infertility, drew strong support from cancer survivors and advocates, with insurers neutral; the committee passed it unanimously 12-0. The committee also heard Senate Bill 1813, which would require Arizona State Hospital admissions to be based on clinical need rather than county of residence. Supporters argued the Maricopa County cap unfairly delays treatment and is not required by the underlying court ruling, while ADHS warned the bill could conflict with the Arnold v. Sarn settlement and could shift access away from rural counties. After extensive discussion, the committee passed SB 1813 9-2 with one present. Finally, the committee began hearing Senate Bill 1178, which would allow naturopathic physicians to administer IV antibiotics, antivirals, and antifungals; the initial testimony was largely opposed by medical associations on patient-safety and training grounds, with supporters yet to testify in the excerpt provided.

Transcript Highlights:

• to participate in self-directed brokerage accounts, a brokerage account of record offered by the broker-dealer
• record<00:27:21.960> offered<00:27:22.320> by<00:27:22.399> the<00:27:22.480> broker
• <00:27:22.799> dealer record offered by the broker dealer record offered by the broker dealer
• We started about a year after them, and as fate would have it, now we've got about three years of data
• We started about a year after them, and as fate would have it, now we've got about three years of data

Keywords: Meeting Start: 00:11 Attendance Roll Call: 00:18 Senate Bill 10 (Sen. Mills): 01:47 Senate Bill 65 (Sen. West): 18:47 Senate Bill 104 (Sen. Madon): 25:41 Adjournment: 31:38, 958, all

Summary: The Senate Standing Committee on State and Local Government heard testimony on Senate Bill 10, which would revise CERS retiree health subsidies for members who began participating on or before July 1, 2003. Senator Mills said the bill was developed with employee and employer groups to improve retiree health benefits while protecting the system’s financial footing, using a shared-cost structure. Testimony from sheriffs, police chiefs, firefighters, and the League of Cities strongly supported the bill, emphasizing recruitment and retention, affordability of retiree health coverage, and limited taxpayer risk. Members echoed those points, and the committee approved SB 10 with a 9-0 favorable recommendation. The committee then took up Senate Bill 65, sponsored by Senator West, which would codify the Administrative Regulations Committee’s annual practice of placing certain deficient regulations into statute so they cannot take effect. West explained that the committee’s role is limited to finding regulations deficient or asking for deferral, and that SB 65 is the fifth version of this measure. He described the specific regulation at issue as a Medicaid Services rule that would have required behavioral health associates to hold a master’s degree; providers testified that it would reduce the workforce and harm behavioral health services statewide. West said the committee had deferred the matter eight times before deciding to side with providers. The bill received favorable expression and was reported out. Finally, the committee heard Senate Bill 104, sponsored by Senator Madon, concerning Kentucky Deferred Comp for state employees. The bill would establish a codified fiduciary standard, authorize fiduciary liability insurance, add self-correcting mechanisms to keep the plan in compliance with federal law, and allow self-directed brokerage accounts. Personnel Cabinet representatives said the changes would align the plan with other public pension plans, reduce risk, and offer participants a useful investment option with strong account growth among users. SB 104 also received favorable expression and was reported to the floor. The committee then adjourned.

Transcript Highlights:

• App stores currently broker contracts between minors and large corporations, contracts children cannot
• App stores<00:08:42.159> currently<00:08:42.560> broker<00:08:43.120> contracts
• stores currently broker contracts stores currently broker contracts between<00:08:44.240> minors
• This minimiz this minimizes<00:25:03.679> data<00:25:04.080> exposure<00:25:04.480>
• and the risk of minimizes data exposure and the risk of identity<00:25:05.520> theft<00:25:05.840

Bills: HB161

Keywords: building codes, standardization, commercial construction, architectural services, energy conservation, federal compliance, local governance, 923, senate, all

Transcript Highlights:

• We're asking Minnesota Housing to track key data and provide that data to this housing committee and
• I'm a real estate broker and I'm the CEO of Bright Idea Properties, a property management and realty
• Next, we have **Michelle Carlson**, real estate broker and owner of Mike Ives Realty.
• I am a second-generation manufactured housing community owner, real estate broker, and I'm here to speak

Bills: HF1143, HF1548, HF1340, HF2549, HF2559, HF1673, HF2740, HF2507, HF2461, HF2381, HF2695

Keywords: education funding, unemployment aid, special education, Minnesota statutes, appropriations, housing, redevelopment, local government, trust funds, community development, HF1340, housing infrastructure bonds, Minnesota Housing Finance Agency, MHFA, affordable housing, supportive housing, permanent housing, adaptive reuse, area median income, AMI

Transcript Highlights:

• Monty was born in a South Dakota breeding operation, sold to a broker in Iowa, then sold to a Minnesota
• included in the language is data included in the language is data transparency.<00:15:05.440>
• Zelhoffer has some data that think Mr.
• Yes, we can look at the data from just 2021 until now.
• Chair, Representative Data, to Norse.

Keywords: 1183, house

Transcript Highlights:

• This bill is not asking credit unions to submit current data.
• I just wanted to finish, allow the independent mortgage broker to speak to.
• The other states, like Massachusetts, have had enough time now to look at the data.
• If they've already had the data and they could produce... ...the data that shows that they are investing
• If they've already had the data and they could produce... ...the data that shows that they are investing

Summary: The Assembly Banking and Finance Committee met to hear several bills, beginning with a consent calendar that included AB 665 and AB 866, both adopted on a do pass basis and referred to Appropriations. The committee then took up AB 801, which would create a California Community Reinvestment Act to require covered financial institutions, including state-chartered banks, credit unions, residential mortgage lenders, and money transmitters, to meet the financial needs of low- and moderate-income communities and communities of color. The author and supporters argued the bill would close gaps left by the federal CRA, address redlining and discriminatory lending, and expand investment in housing, small business, and community development. Support came from community groups, CDFIs, labor, and housing advocates, while opposition from mortgage bankers and credit unions argued the bill would impose costly new reporting and regulatory burdens, especially on institutions they said already serve underserved borrowers well. Committee members discussed the scope of the bill, the experience of other states with state CRA laws, and possible carve-outs or tiered treatment for smaller credit unions. AB 801 was passed as amended and referred to Appropriations, with the roll left open and later completed; one member voted no and others were not voting or voted aye as the roll was finalized. The committee also heard AB 743, which would require licensing and surety bonds for commercial lawsuit financing and bring those transactions under DFPI oversight. The author said the bill was aimed at a largely unregulated, multi-billion-dollar industry and was intended to increase transparency and address concerns about foreign interests, fraud, and abusive litigation funding practices, while not affecting consumer legal funding. Supporters, including Unified Patents, the Civil Justice Association of California, the California Chamber of Commerce, the California Trucking Association, and the American Property Casualty Insurance Association, said the bill was an important first step toward disclosure and regulation. There was no opposition testimony. AB 743 passed unanimously as amended and was referred to Appropriations, with the roll held open briefly for absent members before the committee adjourned.

Transcript Highlights:

• review wasteful government spending, the DOJ and its staff, including Elon Musk, must have access to data
• , including data in the federal payment system, as requested by the president.
• Unfortunately, the hysterical doomsday scenarios of data tampering, privacy concerns, or payment delays
• What kind of personal data is at risk? Social security numbers, bank account information?

Bills: SB161, SB195, SB216, SB245, SB246, SB257, SB258, SB260, SB278, SB281, SB283, SB93, SB98, SB99, SB306, SB314, SB315

Keywords: vehicle safety, crash test, crashworthiness, NHTSA, National Highway Traffic Safety Administration, New Car Assessment Program, NCAP, motor vehicle safety standards, 49 CFR parts 571 and 572, THOR dummy, THOR-50M, THOR-05F, WorldSID, female crash test dummy, male crash test dummy, occupant protection, frontal impact, side impact, vehicle ratings, automotive safety

Transcript Highlights:

• Allowing the use of agents and brokers would contradict that.
• Yet when news stories emerge about members being harmed, often after being misled by insurance brokers
• The one thing that every bad actor has had in common is that they've used brokers and agents.
• But the harm that the use of brokers can and will cause still exists.
• But the harm that the use of brokers can and will cause still exists.

Summary: The Committee on Banking and Insurance met with a quorum present and took up several bills, beginning with SB 834 on health care sharing ministries and insurance agents. Senator Yarbrough presented the bill to repeal a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing consumer protections; opponents said the bill was unnecessary and could increase confusion or misuse of agents and brokers. The committee adopted a title amendment and then reported the bill favorably after debate, with Senator Pizzo raising concerns about consumer reliance and lack of guaranteed coverage. The committee then approved SB 642 on foreign and alien bail bond insurers, SB 394 on reinsurance intermediary managers, and SB 266 on public adjuster contracts. SB 266 would let vulnerable adults rescind public adjuster contracts at any time without penalty; it drew support from consumer and industry groups, with some discussion about estimates and claim work product. The committee also passed SB 832 on residential property insurance transparency, which requires rate transparency reports and a consumer resource center at OIR, and adds a provision excluding land value from homeowners coverage calculations in most cases. Testimony on SB 832 was generally supportive of the transparency goal, though insurers said some of the required cost breakdowns may be difficult to produce as written. The committee next considered SB 1028 on Citizens Property Insurance Corporation, which would create a commercial lines clearinghouse to move eligible policyholders into the private market and reduce Citizens’ commercial exposure. Supporters said it would lower taxpayer risk and improve competition; a speaker suggested additional changes to deductibles, water-damage caps, and repair practices. The bill was reported favorably after a delete-all amendment and supportive debate from Senator Boyd. Finally, the committee passed SB 540 on the Office of Financial Regulation, which adds cybersecurity requirements for certain licensees, updates oversight of investment advisers and money service businesses, adjusts some charter and meeting rules for financial institutions and credit unions, and includes amendments clarifying repossession/deficiency claims, family office exemptions, and virtual credit union meetings. The meeting ended with all of the considered bills reported favorably and the committee adjourned.

Transcript Highlights:

• You know, these are personal data points, but you're a personal data point, you're a personal data point
• You know, these, there are personal data points, but you're a personal data point, you're a personal
• data point.
• Be wildfire data comments. This is not yet achieved. Just. B. Wildfire data comments.
• and the data that we have.

Keywords: 987, senate, all

Summary: The Senate Committee on Insurance held an informational hearing on how climate change, wildfire risk, and related catastrophes are affecting California’s insurance market, affordability, and availability. Chair and members framed the issue as a statewide challenge tied to resiliency, land use, utilities, legal liability, and the FAIR Plan. Senator Becker noted the hearing was connected to SB 254 and its recent report, while the Vice Chair emphasized that the state’s current regulatory framework limits flexibility and that industry testimony would also have been useful. Amy Bach of United Policyholders described worsening availability and affordability, driven by climate impacts, insurtech/risk scoring, inflation, and the growth of surplus lines coverage. She said the Sustainable Insurance Strategy is beginning to show progress, but the FAIR Plan remains too large and non-admitted carriers create concerns because they are less regulated and do not share FAIR Plan or guaranty fund obligations. She stressed that mitigation incentives, grants, and voluntary insurer rewards for wildfire-hardening are important, but that many households cannot afford the needed improvements. In response to questions, she said underinsurance remains a major problem, especially after recent fires, and suggested stronger insurer responsibility for replacement-cost estimates or broader replacement-cost endorsements. Actuary Nancy Watkins and Stanford’s Michael Wara argued that California must both reduce wildfire risk and allow actuarially sound pricing if it wants a healthier market. Watkins compared the market to a household with rising expenses and said the state needs a mitigation framework focused on the highest-risk communities, especially older neighborhoods and homes near the wildland-urban interface. Wara said premiums must roughly equal expected claims plus expenses, and that California is “burning down too many houses,” which drives both availability problems and higher rates. He highlighted the role of structure-to-structure spread, older housing stock, utility ignitions, and the need to focus on community hardening, not just vegetation management. Both speakers said mitigation should be targeted, science-based, and sustained rather than one-time or scattered. Frank Freebalt of Cal Poly and Michael Gullner of UC Berkeley continued the discussion on fire modeling and risk reduction. Freebalt said the problem is best understood as a structure ignition and urban conflagration problem, requiring integrated land-use, utility, and community mitigation, with evidence-based priorities and better analytics. He emphasized that the state should focus on the highest-risk intersections first and that targeted mitigation can multiply the effectiveness of suppression and evacuation resources. No votes or formal actions were taken; the hearing was informational and focused on testimony, questions, and policy discussion.

Transcript Highlights:

• Real estate people can, real estate brokers and different ones can do BPOs.
• Uh we think we have the best data to do this.
• estate people can, real estate brokers estate people can, real estate brokers and<00:21:30.640><
• Uh we think we have the best<00:21:42.040> data<00:21:42.360> to<00:21:42.520> do
• So, this will best data to do this.

Keywords: Meeting Start 00:00 Call to Order and Roll Call 00:07 Discussion SB 97 01:21 Vote SB 97 13:27 Discussion HB 3 15:12 Vote HB 3 17:15 Discussion HB 184 17:54 Vote HB 184 18:42 Discussion HB 355 19:34 Vote HB 355 39:50, 958, all