Video & Transcript Research : 'education code'
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OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 28th, 2026 at 09:00 am
Oklahoma Senate Floor Meeting
Transcript Highlights:
- The question I have is in the medical coding, how is this going to be coded and how is this going to
- There's got to be some sort of medical coding. How much is it going to cost?
- All of it has a billing code.
- All these screenings cost: there's going to be a billing code associated with it.
- We are so happy to have you, members of the Education Committee.
Bills:
HB2894, HB3418, HB3415, HB3413, HB3414, HB3416, HB3417, HB3419, HB3420, HB1739, HB1752, HB1979, HB2941, HB2992, HB3075, HB3086, HB3177, HB3269, HB3278, HB3279, HB3497, HB3644, HB4432, HB3720, HB3849, HB3882, HB3919, HB3941, HB4118, HB4141, HB4268, HB4342, HB4428, HB4429, HB4434
Keywords:
HB2894, Oklahoma Rural Jobs Act, rural jobs, rural investment, tax credit, capital investment tax credit, state tax credits, economic development, rural fund, rural investor, qualified investment, eligible business, Department of Commerce, rural business, investment certification, tax liability, credit cap, workforce development, small business finance, rural development
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 28th, 2026
Oklahoma Senate Floor Meeting
Transcript Highlights:
- President, with these entities, exactly how much education is required for them to participate?
- Would they have culinary degrees or would they have education?
- I don't believe there's an education requirement, not that I know of.
- She's got a high school education, but that would be it. Senator Hicks, for a follow-up.
- I'm not sure there's a formal process of education for that.
Bills:
HB2894, HB3418, HB3415, HB3413, HB3414, HB3416, HB3417, HB3419, HB3420, HB1739, HB1752, HB1979, HB2941, HB2992, HB3075, HB3086, HB3177, HB3269, HB3278, HB3279, HB3497, HB3644, HB4432, HB3720, HB3849, HB3882, HB3919, HB3941, HB4118, HB4141, HB4268, HB4342, HB4428, HB4429, HB4434
Keywords:
HB2894, Oklahoma Rural Jobs Act, rural jobs, rural investment, tax credit, capital investment tax credit, state tax credits, economic development, rural fund, rural investor, qualified investment, eligible business, Department of Commerce, rural business, investment certification, tax liability, credit cap, workforce development, small business finance, rural development
Summary:
The Senate began with ceremonial recognitions for several student groups and community visitors, including Carl Albert High School’s boys and girls swim teams, the Lady Titans basketball team, and the Choctaw High School speech and debate team. Senators and coaches highlighted the teams’ state championships, academic achievements, and perseverance, and the chamber also welcomed visiting groups from Aline, Owasso, and Tulsa County. After the presentations, the Senate returned to general order and took up a series of House bills.
Among the measures considered, House Bill 3720 expanded the Local Food Freedom Act by raising the gross annual sales threshold for local food establishments from under $75,000 to $250,000; it passed 39-4. House Bill 3849 updated the Oklahoma mentoring children of incarcerated parents program and passed 42-1. House Bill 3882 created a revolving fund for industrial and lake access improvement projects and passed 33-9, then also passed the emergency clause 39-4. House Bill 3919 reduced county free fair association boards from nine members to five to address quorum problems and passed 45-0. House Bill 3941 codified a pay raise for a court secretary and passed 45-0, including its emergency clause. House Bill 4118 updated the family caregiver tax credit and passed 44-1. House Bill 4141 removed the sunset on the statewide sexual assault nurse examiner coordinator position and passed 45-0.
The chamber also debated several policy bills more extensively. House Bill 4268 created a growth-based teacher compensation program using Oklahoma Teacher Empowerment Funds and restored a $5,000 stipend for national board-certified teachers; it passed 45-0 and its emergency clause also passed 45-0. House Bill 4342 allowed prior instances of domestic violence or abuse to be admitted as propensity evidence in court, with supporters saying it would help interrupt the cycle of abuse and opponents raising due process concerns; it passed after debate. House Bill 4428 required public pension plans to base proxy voting decisions solely on financial considerations, and House Bill 4429 required proxy advisors to disclose when recommendations were not based on financial analysis; both passed after debate, 35-8 and 37-7 respectively. Two Rule 7-9 motions to pull House Bills 4422 and 4423 from committee and place them on general order failed by recorded vote. The Senate then announced Denim Day for domestic violence and sexual assault awareness, noted a few final reminders, and adjourned until April 29, 2026, at 9:00 a.m.
HI
Bills:
HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934
Keywords:
judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes
HI
Bills:
HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934
Keywords:
judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes
HI
Hawaii 2026 Regular Session
EDT-WLA-HOU Informational Briefing 03-11-2026
Hawaii Senate Floor Meeting
Bills:
HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934
Keywords:
judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes
LA
Louisiana 2026 Regular Session
Administration of Criminal Justice Apr 14th, 2026
Administration of Criminal Justice
Keywords:
parole eligibility, juvenile offenders, rehabilitation, first-time offenders, reentry programs, substance abuse treatment, education programs, emergency responders, law enforcement, obstructing traffic, public safety, penalties, parole, criminal justice, release extension, prison reform, autopsy, criminal evidence, photographs, court proceedings
OK
Oklahoma 2026 Regular Session
Business REVISED: SB1873 - Link added Mar 31st, 2026 at 10:30 am
Business
Keywords:
roofing, contractor registration, continuing education, endorsement, construction industry, fireworks, consumer safety, local governance, emergency declaration, public safety, Occupational Therapy, licensure, interstate compact, telehealth, SB1061, Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act, SAFE Act, mortgage licensing, mortgage broker, mortgage lender
HI
Transcript Highlights:
- projects administered by the Department of Accounting and General Services and the Department of Education
- That was the Department of Education and also projects with DAGS.
- That was the Department of Education and also projects with DAGS.
- That was the Department of Education and also projects with DAGS.
- So um three education and outreach.
Bills:
SB2543, SB2014, SB2115, SB3095, SB3264, SB2114, SB2117, SB2246, SB2519, SB3055, SB3131, SB3144
Keywords:
state construction, construction manager, design review, public works, capital improvement, DAGS, Department of Accounting and General Services, DOE, Department of Education, comptroller, pilot program, design review special fund, county permit review, accessibility compliance, Disability and Communication Access Board, state infrastructure, government construction, project oversight, civil service exemption, county agencies
MN
Minnesota 2025-2026 Regular Session
House Children and Families Finance and Policy Committee 3/18/26
Children and Families Finance and Policy
Transcript Highlights:
- for educational stability for children<00:01:56.360>
in <00:01:56.640>K-12 <00:01:57.120 - Yes, the oral amendment just changes the coding.
- So, it would be the amendment to coding.
- The relationships we built with those early childhood educators still matter to us today.
- childhood educators still matter to<00:07:36.640>
us <00:07:36.840>today.
Keywords:
foster care, early childhood education, child care programs, placement plan, social services, extended foster care, kinship care, relative custody, permanent legal and physical custody, Northstar kinship assistance, independent living plan, transition services, youth aging out of care, medical assistance, Medicaid, child welfare, children youth and families, out-of-home placement, case plan, relative placement
OK
Transcript Highlights:
- This will give them the ability to hire counsel with education law experience and give them availability
- It's just an education measure for the property owner. And that's the crux of the bill.
Keywords:
nuisance, racing facility, racetrack, qualified defense, local property rights, noise regulation, legal claims, felony offenses, criminal justice reform, drug offenses, DUI penalties, residential treatment, human trafficking, victims, prevention, support services, Attorney General, pilot program, grant funding, public comment
MN
Minnesota 2025-2026 Regular Session
House Health Finance and Policy Committee 2/23/26
Health Finance and Policy
Transcript Highlights:
- These harms are preventable when educational standards are consistent statewide.
- c> standards preventable when educational standards preventable when educational standards are<00
- invested in highquality education invested in highquality education struggle<00:08:28.479>
to - Minnesota Office of Higher Education. Minnesota Office of Higher Education.
- <00:34:27.760>
and over,00 hours of classroom education and over,00 hours of classroom education
Keywords:
massage therapy, Asian bodywork therapy, massage therapist, Asian bodywork therapist, licensure, professional licensing, health occupations, Department of Health, commissioner of health, advisory council, protected title, unlicensed practice, scope of practice, consumer protection, background check, professional liability insurance, continuing education, credentialing examination, state preemption, municipal regulation
KY
Kentucky 2026 Regular Session
Administrative Regulation Review Subcommittee. (2-9-26)
Transcript Highlights:
- amends to establish continuing education amends to establish continuing education requirements<00
- So up first, we have the Education and Labor Cabinet. >> Education and Labor Cabinet, Education Professional
- the education education and labor cabinet. cabinet. cabinet.
- :49:16.560>
education >> Education and labor cabinet education >> Education and labor - Education Professional Standards Board. Education Professional Standards Board.
Keywords:
0:00 – Meeting start/roll call
0:10 - Roll call/approval of minutes
1:43 - Cabinet for Health and Family Services (CHFS), Department for Medicaid Services
27:40 - Department of Alcoholic Beverage Control
55:54 - Board of Veterinary Examiners
1:33:15 - Testimony in support of 804 KAR 13:010E, 020E, 030E and 040E.
1:49:04 - Education Professional Standards Board
1:49:58 - Attorney General, Office of Regulatory Relief
1:52:18 - Kentucky Public Pensions Authority (KPPA)
1:54:28 - Board of Nursing
1:56:44 - Board of Occupational Therapy
1:57:37 - Board of Medical Imaging and Radiation Therapy
1:58:58 - Department of Fish and Wildlife Resources
1:59:50 - Economic Development Finance Authority
2:01:34 - Department of Corrections
2:02:37 - Department of Juvenile Justice
2:04:02 - Department for Employment Services, Unemployment Insurance
2:04:57 - Cabinet for Health and Family Services (CHFS), Department for Public Health, 958, all
Summary:
The committee first approved the minutes and then took up Department for Medicaid Services regulations 907 KAR 23:010 and related rules. DMS explained that one regulation would establish a beneficiary advisory council and another would remove language barring coverage of GLP-1 drugs for obesity-related use. The department said coverage would still be limited by prior authorization and clinical criteria, with use tied to underlying chronic conditions such as diabetes or cardiovascular disease, and that the pharmacy and therapeutics committee would help set the detailed standards. Members discussed the potential health benefits, but several raised concerns about cost, timing, and whether the legislature and the Medicaid Oversight and Advisory Board should review the policy first. DMS said the drugs are already on the formulary, that current Medicaid users with diabetes are already covered, and that the fiscal impact was estimated using current utilization, rebates, and expected savings; the department also said it would only cover the drugs if subject to rebates. The committee then voted 5-1 to find 907 KAR 23:010 deficient.
The committee next considered several emergency regulations from the Public Protection Cabinet’s Department of Alcoholic Beverage Control implementing SB 100. The rules covered tobacco, nicotine, and vapor product licensing, including the application form, denial standards, and transitional licensing. ABC counsel said the department had received about 5,500 applications and issued nearly 5,000 licenses, with additional provisional licenses issued to avoid interruption in sales after the law’s effective date. He said some applications remained pending because inspections and photographs revealed possible unauthorized nicotine vapor products, and the department was seeking documentation before approval. A staff amendment was adopted without objection before the ABC presentation continued.
NM
New Mexico 2026 Regular Session
Senate - Tax, Business and Transportation Feb 7th, 2026 at 06:52 pm
Senate Tax, Business & Transportation
Transcript Highlights:
- So to achieve additional reductions, the state can implement strategies like updating building codes,
- committed to high-quality public education and long-term economic mobility for students.
- Education and economic mobility are inseparable. Students deserve policies that support both.
- Education and economic mobility are inseparable.
- For buildings, building code improvements in turn lead to lower energy consumption and lower monthly
Keywords:
tax credit, physician, healthcare, income tax, rural health, quantum technology, infrastructure, economic development, New Mexico, corporate tax, research and development, innovation, affordable housing, gross receipts tax, tax deduction, construction materials, multifamily housing, low income, journalism, local news
NM
New Mexico 2026 Regular Session
Senate - Health and Public Affairs Feb 4th, 2026 at 06:25 pm
Senate Health & Public Affairs
Transcript Highlights:
- Well, used, it helps people make better decisions faster, whether that's in business, education, healthcare
- I'm With the Lana Foundation, the largest education foundation serving northern New Mexico.
- Through our many years of working closely with home-based care and education, we have Thank you.
- My name is Adriana Astorgan, an early childhood educator with a registered home in Chaparral and a member
- I have over 21 years in Montessori Education.
Keywords:
prior authorization, pharmacy benefits manager, PBM, health insurer, prescription drugs, step therapy, formulary, auto-adjudication, electronic portal, appeals, medical necessity, serious mental illness, mental health, schizophrenia, bipolar disorder, major depression, substance use disorder, addiction treatment, cancer, autoimmune disorder
AZ
Transcript Highlights:
- I'm staffing government and education this year. This is my second session.
- But Senator Rogers makes a really good point that we need more public education.
- It should be about education.
- We are all for that notion that going to school should be about education.
- It should be about education.
Bills:
HB2015, HB2060, HB2129, HB2170, HB2210, HB2228, HB2352, HB2460, HB2533, SB1019, SB1045, SB1050, SB1078, SB1083, SB1167, SB1184, SCR1006
Keywords:
budget procedures, late filing penalty, accounting standards, financial reporting, state appropriations, abortion, educational institutions, health education, state aid, public schools, municipal libraries, annual reporting, state legislation, transparency, government accountability, procurement, foreign adversary, China, state contracts, information technology
Summary:
The committee first handled Senate Bill 1045, which would bar cities, towns, and counties from taxing or charging fees on the use of blockchain technology in residences, with limited exceptions. The sponsor said the bill was a repeat of a measure vetoed the prior year and framed it as a tax-preemption issue. There was no testimony, and the bill was moved and passed out of committee on a 4-3 vote.
The committee then heard Senate Bill 1019, which would prohibit the addition of fluoride to public water systems. Senator Shamp argued the bill was about health freedom, informed consent, and emerging research she said raised concerns about fluoride’s benefits and possible neurodevelopmental risks. Opponents, including representatives of Arizona dental and public health groups, testified that community water fluoridation is safe, effective, and especially important for low-income and rural communities with limited dental access. After extended debate, the bill received a do pass recommendation on a 4-3 vote.
Senate Bill 1050 would provide free lifetime state park passes to Arizona veterans. State Parks testified neutrally but warned the measure could reduce revenue used to support park operations and rural economies; the sponsor said the bill was prompted by a park visit where veterans were charged admission. The committee also approved SB 1050 on a 4-3 vote. Later, SB 1078, dealing with de novo review in public records denial cases, passed unanimously after support from the Goldwater Institute, and SB 1083, which would prevent HOAs and condo associations from banning certain lighted home address devices for emergency response, also passed after testimony from the sponsor and a homeowners coalition.
FL
Florida 2026 Regular Session
Governmental Oversight and Accountability Jan 26th, 2026
Governmental Oversight and Accountability
Transcript Highlights:
- The strike-all also supports the use of the language in educational material and instructional material
- The strike-all also supports the use of the language in educational material and instructional material
- compelling state interest is the truth of the historical facts, and the fact that particularly with our educational
- It elevates one narrative while erasing another, restricting how educators, researchers, and public institutions
- SB 1106 does nothing to improve safety, education, or the economy.
Keywords:
open government, sunset review, aquaculture, public records, exemption, Florida Museum of Black History, cultural heritage, education, Board of Directors, local governance, cybersecurity, data breach, data privacy, information security, local government, county, municipality, vendor contracts, third-party service provider, liability shield
Summary:
The committee heard and voted on several measures. SB 308 on the Florida Museum of Black History was explained as implementing a prior task force recommendation by designating St. Johns County as the museum site, creating a board, and coordinating with a supporting nonprofit; it passed favorably. SB 692 on cybersecurity standards and liability was amended to bar local governments from imposing cybersecurity requirements on vendors beyond generally accepted best practices, and after testimony both for and against, it was reported favorably as a committee substitute. SB 572 updated ethics law to include legally recognized foster parents and foster children in the definition of relative; after a technical amendment and support from the Ethics Commission, it passed unanimously. SB 1442 revised the long-range program plan to require more specific performance metrics and agency-specific measures; it also passed favorably.
The committee also approved SB 1106, as amended by a strike-all, to require state agencies and certain educational materials to use “Judea and Samaria” instead of “West Bank,” despite opposition arguing it would impose political language and conflict with federal and international terminology. SB 7020 reenacted a public records exemption for certain aquaculture and shellfish production records and passed with support from the Department of Agriculture and Consumer Services. SB 474 expanded military leave and related benefits for public employees and officials, including members of the Coast Guard and Florida State Guard, and added three amendments before being reported favorably. SB 350, dealing with public records protections for crime victims and certain law enforcement victims, was heavily amended to add time-limited confidentiality for an officer’s name in some cases and then passed favorably after discussion about balancing transparency and safety.
Finally, the committee approved SPB 7032 as a committee bill to shift more fleet management responsibilities from DMS to individual agencies, while still requiring data reporting to DMS for legislative oversight. SB 1650 by Senator Gates was temporarily postponed. At the end of the meeting, members recorded votes on selected bills, and the committee adjourned.
NV
Nevada 2025 Regular Session
Assembly Committee on Legislative Operations and Elections May 29th, 2025 at 01:00 pm
Legislative Operations and Elections
Transcript Highlights:
- and the Nevada Financial Disclosure Act so that legislative committee staff members may attend educational
- Senate Bill 226 revises the date that a teacher wishing to serve on the Nevada State Teacher and Education
- The bill revises the date by which a teacher wishing to serve on the Nevada State Teacher and Education
- The bill revises the dates by which the State Board of Education must submit and the Joint Interim Standing
- When parents vote, they are voting for their children's education, health care, and overall well-being
Keywords:
election reform, voter accessibility, conditional ballots, voter registration, mechanical voting systems, election audits, voter access grants, provisional ballot, voting technology, AB562, Nevada, Secretary of State, elections, elections management system, HAVA, Help America Vote Act, automatic voter registration, AVR, election technology, state appropriations
MN
Minnesota 2025-2026 Regular Session
Environment Committee Meeting - 2025-03-27
Environment and Natural Resources Finance and Policy
Transcript Highlights:
- In my committee on education policy, we talk a lot about absences and the effect of missing one day of
- concerned have a potential resource they can access, will contribute to improving environmental access, education
- concerned have a potential resource they can access to contribute to improving environmental access, education
Keywords:
HF1587, Cass County, Minnesota Department of Natural Resources, DNR, condemnation, eminent domain, state land, surplus land, public waters, tribal land transfer, federally recognized Indian Tribe, tribal ownership, land conveyance, no consideration, land appropriation, natural resources, U.S. Highway 2, Section 27 Township 145 North Range 28 West, land return, Tribal sovereignty
MN
Minnesota 2025 1st Special Session
House Environment and Natural Resources Finance and Policy Committee 3/27/25
Environment and Natural Resources Finance and Policy
Transcript Highlights:
- We talk a lot about, you know, in my committee in education policy, we talk a lot about absences and
- We talk a lot about, you know, in my committee in education policy, we talk a lot about absences and
- We talk a lot about, you know, in my committee in education policy, we talk a lot about absences and
- We talk a lot about, you know, in my committee in education policy, we talk a lot about absences and
- We talk a lot about, you know, in my committee in education policy, we talk a lot about absences and
Keywords:
HF1587, Cass County, Minnesota Department of Natural Resources, DNR, condemnation, eminent domain, state land, surplus land, public waters, tribal land transfer, federally recognized Indian Tribe, tribal ownership, land conveyance, no consideration, land appropriation, natural resources, U.S. Highway 2, Section 27 Township 145 North Range 28 West, land return, Tribal sovereignty
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/26/25
Commerce Finance and Policy
Transcript Highlights:
- She says... including zip codes and credit scores in including zip codes and credit scores in fact<01
- or being unmarried low-income ZIP code or being unmarried all<01:30:11.360>
of <01:30:11.480>< - Paul has identified ZIP code 55166 as having one of the highest eviction rates in the region, with $53
- Unfortunately, ZIP code 55106 was also identified as having one of the highest auto insurance rates in
- Unfortunately, ZIP code 55106 was also identified as having one of the highest auto insurance rates in
Keywords:
homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department