Bills: SB 2, SB 5, SB 10, SB 9, SB 7, SB 17, SB 4, HB17, HB7, HB7, HB15, HB15, HB27, HB1, HB7, HB15, HB18, SB9, SB7, SB17, SB4, HB17, HB27, HB1, SB8, HCR13, SB2, SB5, SB10

Keywords: disaster relief, flood preparedness, emergency funding, local government support, meteorological forecasting, school assessment, public education, accountability, transparency, education standards, STAAR, Texas Education Agency, TEA, public school accountability, school ratings, A-F ratings, assessment reform, student testing, benchmark tests, interim assessments

Transcript Highlights:

• We have over 22,000 megawatts of contracts for resources that are in development.
• And then we also have over 22,000 that are under contract in development.
• And then we also have over 22,000 that are under contract in development.
• So it's not the exact number of positions that are filled.
• And that dictates what can go into the record and be developed in the record.

Keywords: 988, house, all

Summary: The committee first heard a budget item on demand-side grid support and emergency load flexibility funding. The Department of Finance proposed redirecting General Fund money for summer 2026 to the CEC’s Demand-Side Grid Support program and using accumulated CalCHAP interest to support a successor ratepayer-funded demand response program for summers 2027 and 2028. The CEC and CPUC said they are working on a transition from DSGS to ELRP or an equivalent program, while the LAO said the proposal mainly presents a choice between keeping the money in General Fund savings or using it for DSGS. Members pressed the administration on why DSGS should be sunset when it has higher enrollment and lower administrative costs than ELRP, and on whether the state should continue funding demand response at all. The CPUC argued ELRP and DSGS are not directly comparable, said it is pursuing a broader demand flexibility rulemaking, and noted a decision on a successor program is expected in Q3 2026. No vote was taken in the excerpt, but members signaled interest in keeping DSGS funding at the CEC. The second item concerned trailer bill language for the transmission accelerator program under SB 254 and Proposition 4. GoBiz and IBank described a new financing structure for major transmission projects selected through CAISO’s competitive planning process, with about $26 million in administrative resources over five years. The LAO raised no specific concerns but emphasized that this is the Legislature’s first appropriation for a new program and that the final language should clearly reflect legislative intent. Members asked about state liability, ownership, and how the financing would lower ratepayer costs; staff explained that state financing would cover only a portion of large projects and could reduce the amount included in utility rate base, with estimated lifetime savings varying widely. Members also discussed offshore wind transmission needs and asked for an update on related Proposition 4 funding. The final item covered CEC and DPMO budget requests related to petroleum market oversight and supply stabilization. The CEC requested funding for additional positions to implement AB X2-1 and related fuel market monitoring work, while DPMO sought to make a data specialist position permanent. The LAO said it found the staffing requests justified. Members questioned why the work is funded through the Energy Resources Programs Account, whether staff from paused price-gouging work could be reassigned, and what evidence had been found of price gouging or market manipulation. CEC and DPMO said their work on reporting, analysis, and supply stabilization continues, that some staff are still working on related analyses, and that they are preparing further workshops and recommendations. The discussion also touched on refinery closures, gasoline imports, and the state’s changing fuel supply conditions, but no formal action was taken in the excerpt.

Transcript Highlights:

• We have over 22,000 megawatts of contracts for resources that are in development.
• And then we also have over 22,000 that are under contract in development.
• And then we also have over 22,000 that are under contract in development.
• And so the state of play about being behind on resources, contract in development.
• So it's not like the exact number of positions that are filled.

Summary: The committee first heard Issue 1 on trailer bill language to redirect funding for emergency demand-response programs. The Department of Finance proposed using about $26.9 million in General Fund originally set aside for the Distributed Energy Backup Assets program to bolster the Demand-Side Grid Support Program for summer 2026, and using about $70 million in CalCHAP interest to support ratepayer-funded demand response in summers 2027 and 2028. The CEC and CPUC said they are working on a transition from DSGS to ELRP or a successor program, while the LAO noted the General Fund money would otherwise revert to savings. Members pressed the administration on whether demand response remains important, whether DSGS has been successful, and whether the state should keep funding it through the CEC rather than shifting to a ratepayer-funded CPUC program. The CEC and CPUC said the programs are not directly comparable, emphasized different cost structures and enrollment metrics, and said a CPUC rulemaking is underway with a proposed decision expected in Q3 2026. No vote was taken in the transcript. The committee then took up Issue 2, a budget proposal tied to SB 254 and the new transmission accelerator. GoBiz and the California Infrastructure and Economic Development Bank described a five-year, roughly $26 million request to staff and administer the accelerator and manage Proposition 4 and AB 1207 funds for transmission financing. Members asked about state liability, ownership of financed lines, FERC revenue requirements, and whether the program would help underserved regions and offshore wind development. Staff explained that the accelerator would only consider projects already identified through CAISO’s competitive transmission planning process, and that state financing would be a small portion of large projects intended to lower overall costs to ratepayers. The LAO said it had no specific concerns but urged the Legislature to ensure the final language matches its intent. The committee also heard Issue 3 on petroleum market oversight. The CEC and its Division of Petroleum Market Oversight requested additional positions and funding to implement ABX2-1 and continue work on supply stabilization, refinery monitoring, and transportation fuels analysis. Members questioned why the work was funded through the Energy Resources Programs Account, whether existing staff from the paused price-gouging work could be reassigned, and whether the program had produced evidence of price gouging or improved supply conditions. CEC and Finance said the new positions are needed because the workload has expanded, while some existing staff remain on related analysis and reporting duties. The discussion ended without a vote in the transcript.

Transcript Highlights:

• and lots of other things that our Human Rights Commission can't do because HUD, Housing and Urban Development
• So, we also have money to support a rural industrial development program that provides grants to support
• I don't remember the exact vote numbers, but just sort of so you understand the flight path of the bill
• We agreed on income tax apportionment, research and development apportionment, research and development
• conference, we took the next step, which is for the following fiscal year, FY 28, where we made that exact

Keywords: 926, house, all

Transcript Highlights:

• But one whole wing was just developed for our victims of human trafficking, 18 girls.
• This is when we developed a hotline number.
• And we also developed the QR code. I'll show you that toward the end.
• So I heard at any stage of development.
• Legal personhood for a fertilized egg at any point of development.

Summary: The committee heard a lengthy presentation from Miami-Dade State Attorney Catherine Fernandez-Rundle on human trafficking, describing it as a major criminal enterprise in Florida driven by online recruitment, local victims, and organized traffickers. She outlined Miami-Dade’s task force, victim-centered prosecution practices, training efforts for schools, hotels, transit workers, and other partners, and community-supported services such as the Project Phoenix shelter and Thrive Clinic. She also urged better interstate communication about known traffickers and noted that prior legislative changes, including restrictions on tattooing minors, came from trafficking cases. Senators asked about school-based exploitation, technology and social media recruitment, and information-sharing with other states; Fernandez-Rundle said training and technology remain essential and offered to share materials and tour the facility. The committee then considered CS for SB 656, which Senator Bradley said would codify FDLE’s Internet Crimes Against Children Task Force funding program and rename/expand the online sting operations grant program to better support investigations, training, technology, and personnel. The bill was supported as a needed response to online child exploitation and was reported favorably by unanimous roll call. The committee also passed SB 892 by Senator Martin, which streamlines sentencing procedures for habitual felony offenders and related designations by reducing paperwork delays tied to clemency and requiring clearer notice before pleas; it too was reported favorably unanimously. The most extensive debate centered on SB 164, which would expand Florida’s Wrongful Death Act to allow civil damages for the death of an unborn child. Senator Graal said the bill uses existing statutory language defining an unborn child and is intended to let parents recover damages when negligence causes a pregnancy loss. Supporters argued it recognizes unborn life and should be strengthened; opponents warned it would function as a personhood measure, create liability risks for doctors, businesses, friends, and family members, chill miscarriage and abortion-related care, and worsen Florida’s OB-GYN shortage. Several speakers raised concerns about abuse by rapists or abusive partners and about impacts on IVF and emergency care. The committee heard extensive questioning about the bill’s scope and its relationship to existing criminal statutes, but no vote on SB 164 was taken in the portion provided.

Transcript Highlights:

• That's the exact language that's used in this proposed constitutional amendment.
• By exact language, uh, discourage the development of a potential valued source at some point in the future
• Assistant deputy executive administrator from the Texas Water Development Board as well.
• It is fairly new in development.
• Uh, the development is tremendous on what's going on right now.

Bills: HB206

Keywords: HB206, school district bonds, bond election, voter approval, Education Code, Chapter 45, Section 45.003, Section 45.0034, Texas schools, school finance, local tax election, bond referendum, school construction, capital improvements, election frequency, five-year waiting period, district bonds, public school funding

Transcript Highlights:

• science um but Sam has uh notes AR exact science um but Sam has uh has<00:16:46.720> been<00:
• I think maybe 20 years, maybe even more than that, but I'd have to double-check the exact date.
• And the question is, how many more people are doing that same exact thing and not, and the state's not
• I think it's important for, you know, the state of New Hampshire to develop a curriculum and an exam
• backend infrastructure to secure exact backend infrastructure to secure the<01:06:17.559> data

Keywords: 1191, senate, all

Transcript Highlights:

• uh, anyone who has been on this committee knows that I never like to take up a new amendment on the exact
• like to take up an a new amendment<00:53:43.360> on<00:53:43.640> the<00:53:43.800> exact
• amendment on the exact session. amendment on the exact session.
• And then we'll exact the bill at 11:00 once we've decided what we're going to do. 498.
• So that is why I'm scheduling this exact session for 11:00 Wednesday, December 2. No, no.

Keywords: 1189, house, all

Transcript Highlights:

• The office is also responsible for developing forms for use in elections, including the voter registration
• A common example of a situation where there is not an exact match is when someone has a hyphenated last
• Additional review then takes place for cases where there's not an exact match, but potential matches
• SSA only returns the record as a match if there's an exact match with the data that is provided.
• But I think no two people in this room, elected or unelected, would plot that on a graph at the exact

Transcript Highlights:

• The development of the state's priority trail network begins with designation by the Florida Greenways
• Developing the five-year work program requires extensive coordination with our partner agencies.
• Our goal is to develop transportation solutions that support the vision of our communities.
• The technical workshop will be provided to local planning and development professionals.
• But specifically, what are your concerns in terms of that vertical airspace as this develops?

Summary: The Senate Transportation Committee met and first received an update from FDOT on the Sun Trail shared-use nonmotorized trail program. FDOT said the program, created in 2015 and expanded by 2023 legislation, now includes connections to the Florida Wildlife Corridor and received a one-time $200 million appropriation plus increased annual funding. The department reported programming about $180 million of that funding, completing 42 construction projects totaling nearly 95 miles in 21 counties, and installing trail counters and QR-code surveys to measure usage and economic impact. Members expressed support for the program and asked no substantive questions. The committee then heard a presentation on FDOT’s locally administered state transportation funding programs, including SCOP, SCOPM, SCRAP, SIGP, and TRIP. FDOT explained these programs support local roadway resurfacing, bridge repair, drainage, paving unpaved roads, and safety or capacity improvements, with varying state match levels depending on the program and eligibility. FDOT said its adopted five-year work program includes more than $1.4 billion for local transportation improvement projects. A member asked whether toll revenues from Miami-Dade, Broward, and Palm Beach counties fund these programs; FDOT said it would research the funding source and follow up. The committee’s main discussion was a panel on advanced air mobility (AAM), including FDOT and industry representatives from Supernal, Joby, Atlantic Aviation, Hillsborough County Aviation Authority, and Eve Air Mobility. FDOT described its AAM planning work, advisory committee, local government guidebook, and upcoming training, while panelists emphasized Florida’s leadership, the likely use of existing airport and heliport infrastructure first, and the expectation that private investment will fund much of the early vertiport buildout. Members raised concerns about community acceptance, privacy, zoning, airspace congestion, security, and lessons from scooters and drones. Panelists repeatedly stressed a “crawl, walk, run” rollout, local government coordination, multimodal connectivity, and public outreach. No votes were taken, and the committee adjourned after the panel.

Transcript Highlights:

• in 72 col 73 in the same exact in 72 col 73 in the same exact subdivision<00:24:23.279> of
• <01:17:57.440> paragraph do uh a amend the same exact paragraph do uh a amend the same exact
• I could get exact numbers.
• Um and I could<04:14:55.279> get<04:14:55.439> exact<04:14:55.680> numbers.
• I could get exact numbers.

Keywords: 1189, house, all

Transcript Highlights:

• I'm not saying we're exact, but look at the numbers.
• Is it an exact science?
• Is it an exact admit accordingly. Is it an exact science?
• <01:34:04.520> And development, add to our workforce.
• And development, add to our workforce.

Keywords: 958, all

Summary: The meeting opened with the pledge and prayer, a roll call established quorum, and members announced a Veterans Caucus meeting to follow the session. The committee also recognized distinguished veteran Joe Mash Masterson of Bardstown, who was praised for his Army service, long-time advocacy for veterans, and leadership in the American Legion and local veteran organizations. Masterson thanked his family, the American Legion Post 121, and the VA staff, and several members offered remarks honoring his service and the committee’s practice of recognizing veterans. The committee then briefly addressed a referred administrative regulation, 017 KAR 001 030, which leadership described as technical updates to existing policy; no vote was taken. After that, members heard testimony from KDVA and Finance and Administration officials on the ongoing HVAC replacement project at the Radcliffe Veteran Center. Officials said the system had been problematic for years, that design work began early to accelerate the project, and that the work was complicated by the need to replace the system in an operating nursing facility. They explained that the project was bid in March, awarded to Less Mechanical, and that protective measures, shop drawings, and equipment orders were underway. Committee members pressed officials on why the problem had taken so long to resolve, why the original system had been installed, whether the issue had been communicated regularly, and whether the state should be paying for a replacement in a relatively new facility. Officials said the original system’s components and warranties had failed, that they had tried to replace parts before moving to a full replacement, and that the system’s manufacturer and quality differed from a similar facility in Glasgow that had not had the same issues. They said the current phase one contract was about $6 million, with the remaining funds held for phase two to restore full occupancy; phase two design was nearly complete and could be bid later if funding is approved. Officials estimated phase one completion around January 2026 and full completion around March 2027, depending on funding and scheduling.

Transcript Highlights:

• education assistance organizations that you mentioned so that best practices developed under certain
• We'll be able to see every aspect of the framework the comptroller develops through rulemaking.
• Every single student in Texas deserves to have that exact same opportunity that I had.
• I think Senator Creighton mentioned it in his layout, but I don't recall the exact number.
• I think Senator Creighton mentioned it in his layout, but I don't recall the exact number.

Bills: SB 2

Keywords: 1185, senate, all

Transcript Highlights:

• So I think, in terms of the exact number that's offline, I don't know that I have that.
• In one case alone, a developer sought $75 million in damages.
• In one case, in one case alone, a developer sought $75 million in damages.
• Are they developing in a different way?
• documents. ...default applications that people use to develop documents.

Keywords: 995, all

Summary: The joint budget hearing opened the FY27 budget process with remarks from the Senate and House Ways and Means chairs, who described the fiscal outlook as challenging because of slow revenue growth, rising health care and other costs, and uncertainty from federal policy changes. Governor Healey and Secretary of Administration and Finance Matthew Gorzkowicz then presented House 2, a $62.8 billion budget that they said grows by about 1% and does not raise taxes or fees. They emphasized affordability, fiscal discipline, protection of core services, and continued investment in education, transportation, housing, child care, health care, and public safety. The administration also discussed a separate bill to delay and phase in certain federal tax-code changes from the so-called OB3 law, especially research and experimental expense provisions, to reduce immediate budget impacts and preserve competitiveness. A major portion of the hearing focused on education and municipal aid. The administration said House 2 provides about $7.6 billion for Chapter 70 aid, fully funds the final year of the Student Opportunity Act, increases special education circuit breaker funding, and raises rural school aid. Senators and representatives from both parties raised concerns that Chapter 70 and other aid formulas are not equitable for small, rural, and low-wealth communities and are not keeping pace with inflation, and several called for broader review of the formula and related funding streams. The governor and secretary said they are open to further discussion, pointed to additional support through rural aid, special education, transportation reimbursements, and minimum aid, and said total Student Opportunity Act investment would reach about $2.1 billion over the life of the law. Transportation, housing, and fair share spending were also central topics. The administration said fair share revenues are being used holistically, with education-heavy spending in the operating budget and transportation-heavy spending in the supplemental budget, and estimated the overall split to date at roughly 57% education and 43% transportation. They highlighted MBTA stabilization, regional transit authority support, microtransit, fare-free regional transit, and bridge and commuter rail investments, while noting the MBTA remains a major fiscal concern. On housing, the governor stressed production, permitting reform, ADUs, down-payment assistance, and support for public housing authorities, while lawmakers pressed for more funding for local housing authorities and for ways to address out-migration, energy costs, and affordability. The governor also said the administration will not withhold fire safety grants from communities over MBTA Communities Act noncompliance and will handle such issues case by case. No votes were taken at the hearing; it was an informational presentation and question-and-answer session.

Transcript Highlights:

• This is the exact population that the Senator and the director were talking about that would benefit
• This is the exact population that the Senator and the director were talking about that would benefit
• However, the Child Care and Development Services Act does not explicitly authorize current electronic
• The motion is due pass to the Economic Development, Growth, and Household Impact Committee.
• It will also require CDSS to develop the capacity to distribute state-funded benefits to CalFresh recipients

Keywords: 988, house, all

Summary: The Assembly Committee on Human Services heard and advanced a series of bills focused on homelessness, child care, food security, public assistance, immigration legal services, and veterans’ benefits. SB 479 would allow city-based local health jurisdictions, including Berkeley and Oakland, to run homeless response multidisciplinary teams and share specified information across departments; supporters said the change would improve coordination and outcomes, while no opposition testified. SB 902 would permit electronic signatures for Child Care and Development Services Act paperwork, with supporters describing the burden of paper processes on working families and noting that paper would remain an option. Both bills were referred onward after committee action. The committee also approved SB 1025, creating an Office of Food Security and Affordability; SB 1030, repealing the CalWORKs “man-in-the-house” rule; and SB 1077, requiring CDSS to develop a communications and contingency plan for CalFresh disruptions during federal government shutdowns. Testimony on these measures emphasized fragmented food assistance systems, the need to modernize outdated welfare rules, and the importance of preparing for future federal benefit interruptions. Each bill drew broad support from advocates, local governments, and social service organizations, with no opposition testimony, and each received a due-pass recommendation to the next committee. The committee further advanced SB 1194, which would codify the Immigration Legal Fellowship Project to expand access to immigration legal services in underserved regions, and SB 1201, which would seek federal waivers and other protections to help veterans affected by CalFresh changes and connect applicants with county veterans service officers. Supporters said both bills would fill critical service gaps and strengthen legal and food-security infrastructure. SB 1194 received a 6-1 vote, while SB 1201 passed unanimously. Earlier in the hearing, SB 557 and SB 1051 were approved on consent. The committee then adjourned after recording final roll calls for absent members.

Transcript Highlights:

• I am currently developing a character education curriculum for public school students.
• I wish I had those in front of me to outline those exact details of which ones were changed, but there
• He's a member of the Economic Club of Oklahoma and he's an active member in community workforce development
• It is my honor to bring David Hoton as an exact nom to this committee.
• incredibly well-rounded nominee with decades of experience in teaching, coaching, and curriculum development

Keywords: 914, all

Transcript Highlights:

• And our mission is to optimize early health development, education, and well-being.
• On slide 12, you'll see the data from the Early Development Instrument.
• Of how children are doing across all areas of development. EDI supports turning data into action.
• And the cost, quality, and outcome study had come out on child growth and development.
• That we're able to offer professional development.

Transcript Highlights:

• We do this exact same thing in the private sector; we're just looking at public entities.
• Sol Systems is a leading American solar energy developer operating in 38 states.
• They're using fiber optics right there that was developed by CenterPoint and Siemens.
• So, this is something that's been a long time in coming and developing consensus.
• The neutral ground blocking device has been developed and has been tested.

Bills: SB75, SB715, SB776, SB1299, SB1405, SB1968, SB2021, SB2077, SB2148, SB2321, SB2330, SB2411

Keywords: electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency

Transcript Highlights:

• and working families across development and working families across the<00:07:13.599> Commonwealth
• This is the exact legislation that we hoped would follow.
• This is the exact legislation Caucus.
• This is the exact legislation that<00:24:02.960> we<00:24:03.200> hoped<00:24:04.400>
• <00:32:24.480> initiatives lead to schools developing initiatives lead to schools developing

Keywords: Convene 00:00 Senate Message 04:26 Report of Committees 05:13 Orders of the Day/ HB 6 06:22 HB 480 14:13 HB 562 17:55 HB 136 25:53 HB 257 29:47 HB 490 35:54 Motions, Petitions, and Communications 40:30 Introduction of New Bills and Resolutions 52:44 Recess for ConC/Rules Meeting 53:49 ConC/Rules Report 57:12 Floor Amendments 58:49 Adjournment 58:59, 958, all

Summary: The House convened with prayer and the Pledge of Allegiance, established a quorum with 96 members present, excused absent members, and approved the journal from February 13, 2026. The Senate also transmitted Senate Bills 72 and 110 for concurrence. Committee reports advanced several bills, including measures on deputy coroner training, local jail booking procedures, local business tax collection, peace officers, Kentucky National Guard benefits, and first responder mental health. The chamber then considered House Bill 6 on child care. The sponsor described it as the product of extensive stakeholder collaboration aimed at improving affordability, quality, access, and data in child care, including changes to the low-income subsidy program, employee child care assistance, Kentucky All-Stars, micro-centers, and a military child care pilot program in House Committee Substitute 1. The substitute was adopted, and the bill passed 84-11 with one abstention after supportive remarks from members emphasizing workforce needs, family support, and military families. House Bill 480, relating to state contracts, was explained as requiring clearer contract terms for appropriated funds, partial payment protections, a 1% penalty for late payment, and semiannual reporting on whether cabinets are paying bills on time. A member noted a planned amendment to limit the bill to state-funded appropriations, but the bill passed 96-0. House Bill 562, relating to alternative high school diplomas, would create a Kentucky alternative diploma for certain students with disabilities and require the Education and Labor Cabinet to maintain employer information for graduates; members spoke in strong support of the bill’s workforce and dignity goals, and it passed 96-0. House Bill 136, relating to campaign finance, was amended to remove a $15,000 cap and allow campaign funds to pay for reasonable security costs for candidates; the sponsor cited rising threats to elected officials, and the bill passed 97-0. The transcript ends as the House moved on to House Bill 257.

Transcript Highlights:

• >> I I would well I I don't know the exact >> I I would well I I don't know the exact
• 00:49:00.400> comments Development Authority offering comments Development Authority offering
• >> Next, Agra Business Development >> Next, Agra Business Development Corporation<00
• <01:43:22.000> the really exact pricing. It's a matrix. the really exact pricing.
• development agency in support. development agency in support.

Bills: HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.