Video & Transcript Research : 'mortgage foreclosure'
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HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Feb 10, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Keywords:
licensing, professional license, individual taxpayer identification number, immigration, state residency, right to repair, wheelchairs, consumer protection, repair providers, device documentation, HB1753, Hawaii Social Media Data Deletion Act, social media, account deletion, data deletion, privacy, consumer privacy, personal information, sensitive personal information, data retention
Summary:
The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown.
The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information.
On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose.
The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.
OR
Oregon 2026 Regular Session
House Interim Committee On Housing and Homelessness 06/16/2026 2:30 PM
Transcript Highlights:
- And so there are some that have either paid off mortgages or not, and they are still really unable to
- through third-party banks and CDFIs, then where is it that if we could just reduce the amount of that mortgage
- session, NOAA and industry stakeholders collectively identified 36 properties that were at risk of foreclosure
- So it's a mortgage payment to it.
- disconnection for non-payment is the canary in the coal mine for housing instability, for eviction, for foreclosure
Summary:
The committee met for a series of information sessions focused on housing stabilization, rental assistance, senior housing, and heat resilience. In the first panel, OHCS and NOAA described the state’s affordable housing preservation work, including the $35 million in 2025 stabilization funding used to reduce debt and keep distressed affordable rental projects operating, plus manufactured home park preservation efforts. OHCS said the portfolio remains under strain, with about a third of projects at debt coverage ratios of 1.0 or less and rising insurance and operating costs. NOAA urged faster closings on the stabilization awards, more funding in 2027, and broader rent assistance and process reforms. Committee members asked about the gap between current appropriations and need, and OHCS explained that the new Article 11-Q bond preservation program is structured differently and requires full refinancing rather than simple cash infusions.
The committee then heard a detailed discussion of the state’s eviction prevention and rental assistance program, ORDAP. OHCS said the program is administered through community action agencies, prioritizes households at imminent risk of eviction, and is now funded at a much lower level than in the prior biennium, reducing expected service to about 8,200 households this biennium. The Oregon Law Center, a county community action agency, and Multifamily Northwest all agreed the program prevents homelessness and is effective, but they differed on whether assistance should be tied so closely to eviction court. Legal aid and community action witnesses said the current system is underfunded and that eviction filings are the clearest indicator of need, while Multifamily Northwest argued the process can push people into court unnecessarily and should be moved earlier when possible. Legislators raised questions about whether a pre-eviction model could be developed and about the costs of court involvement; one member shared a personal story about how rental assistance helped keep their family housed.
Next, the governor’s office, OHCS, and OHA presented on the new senior housing initiative and healthy homes work. The governor’s housing director said Oregon is making progress on homelessness and housing production, with reductions in homelessness outside Multnomah County and an estimated 50,000 future units added to the pipeline through recent state actions. OHCS outlined the senior housing programs launched in May: a debt-financing program using elderly and disabled bond authority, an older adult housing development program funded through the senior property tax deferral revolving account, and a rehousing program for older adults that will use bridge funding and services to move at least 400 unsheltered older Oregonians into housing. OHA also described its Healthy Homes Grant Program, including $24.6 million already awarded, a new $5 million grant round for seniors and people with disabilities, and examples of home repairs and weatherization that help people remain safely housed.
The final information session focused on home cooling and heat resilience. OHA presented data showing rising extreme heat days, more heat-related emergency visits, and likely undercounted heat deaths, especially among older adults, people with disabilities, low-income communities, and people without access to healthy homes. ODOE reviewed implementation of Senate Bill 1536, including a cooling needs study that found 58% of surveyed households in the studied housing types needed permanent cooling, with estimated statewide costs of $582 million to $1 billion. ODOE said its rental home heat pump and community heat pump programs have supported 4,638 installations so far, with a temporary reopening planned using remaining funds. The session ended with a remote presentation from a Community Action Partnership of Oregon representative, continuing the discussion of how community action agencies help deliver energy and anti-poverty services.
CO
Colorado 2026 Regular Session
Colorado Senate 2026 Legislative Day 069 Mar 24th, 2026
Colorado Senate Floor Meeting
Transcript Highlights:
- They are responsible for releasing deeds of trust if you have a mortgage on your property and you pay
- They are also responsible for the foreclosure process and conducting public auctions, and they serve
- if</c><02:38:26.160><c> you</c><02:38:26.319><c> have</c><02:38:26.399><c> a</c><02:38:26.560><c> mortgage
- </c><02:38:26.880><c> on</c> deeds of trust if you have a mortgage on deeds of trust if you have a mortgage
- </c><02:39:03.920><c> statutes,</c> public trustee foreclosure statutes, public trustee foreclosure statutes
DE
Delaware 2025-2026 Regular Session
House of Representatives Legislative Session - Session 2 - 42nd Legislative Day- REASSEMBLE Part 1 Jun 30th, 2026
Delaware House Floor Meeting
Transcript Highlights:
- They have a mortgage payment on that house, and their tenant is not paying the rent.
- I believe that any foreclosure that would happen would result in a...
- Foreclosure is a pretty lengthy process anyway.
- I'm not a foreclosure expert, but yes, I would believe that's the case.
- But Delaware also does have a right of redemption for foreclosures as well.
Summary:
The House convened on June 30, 2026, with opening ceremonies, guest introductions, and moments of silence for Gerlindy Lancelotti and Iva Durham. Members then took up a long agenda of bills and resolutions, including consent calendar items and several measures related to agriculture, lottery reporting, health care, fire service membership standards, inmate work, telecommunications, rent increases, youth camp licensing, primary elections, respiratory care practice, and marriage equality. The chamber also heard extended debate on Senate Bill 233, concerning removal of snow and ice from vehicles, and on House Bill 188, which would allow unaffiliated voters to choose a party primary while barring participation in both parties’ primaries.
Among the notable actions, House Concurrent Resolution 157 passed as amended, directing the State Lottery to report on options to support traditional lottery retailers. Senate Bill 53, preserving the Delaware Farm to Community Program if federal support declines, passed unanimously. Senate Bill 307, giving the Public Service Commission authority to designate eligible Lifeline carriers, and Senate Bill 339, clarifying advance health care directives, also passed. Senate Bill 235, removing a sunset on manufactured home rent increase calculations, passed, as did Senate Bill 325 after House Amendment 1 narrowed disqualifying offenses for fire service membership and adjusted related background-check rules. Senate Bill 309, discharging remaining incarceration-cost balances, and Senate Bill 324, addressing constable-related firearm permit provisions, both passed.
The chamber tabled Senate Bill 233 once to consider a proposed amendment for trucks and other hard-to-clear vehicles, but the amendment failed and the bill later passed as amended by the Senate. Senate Joint Resolution 19, directing DHSS to study strategies to reduce health care costs, was tabled pending legal review. Senate Substitute 2 for Senate Bill 100, proposing a constitutional amendment to protect the right to marry, passed after extensive floor debate and personal statements from members on both sides. Senate Bill 293, creating a licensure pathway for summer camps to participate in purchase-of-care, passed after House Amendment 1. House Bill 188 on open primary access for unaffiliated voters passed 22-17, and Senate Bill 94, concerning respiratory care practitioners and ECMO medication delivery, passed after House Amendment 2. The transcript ends as the House begins consideration of House Substitute 1 for House Bill 404.
NM
New Mexico 2025 Regular Session
IC - Indian Affairs Aug 14th, 2025
House Government, Elections & Indian Affairs
Transcript Highlights:
- I'd like for you to raise your hand if you know what a mortgage is.
- Raise your hand if you know what a mortgage is. You know a mortgage? Okay.
- How many of you understand that mortgages are used to buy homes?
- This is a mortgage.
- My mortgage will be paid off in October. Yes, and that's huge.
MD
Transcript Highlights:
- So if there's a mortgage on the property and the deed transfers on death, does the mortgage transfer
- But the mortgage itself would transfer how any other mortgage is handled in an estate.
- </c> mortgage transfer on death? mortgage transfer on death?
- </c> to the to the to the mortgage? to the to the to the mortgage?
- . foreclosure. foreclosure.
WA
Washington 2025-2026 Regular Session
Senate Floor Session Feb 4th, 2026 at 12:30 pm
Washington Senate Floor Meeting
Transcript Highlights:
- Substitute Senate Bill 5938, the Secretary will read: An act relating to foreclosure prevention.
- Our foreclosure program, as you know, expanded last year to include counseling and mediation for people
- We want to make sure some people on reverse mortgages are not subject to this fee, and we want to make
- Appreciate her efforts in working to help people avoid foreclosure, and I would encourage support of
Bills:
SB5223, SB5286, SB6002, SB6178, SB5892, SB5177, SB6039, SB5874, SB5863, SB5972, SB5941, SB5203, SB6014, SB5993, SB5831, SB5928, SB5912, SB5825
Keywords:
criminal offense, fingerprinting, law enforcement, state regulations, public safety, policing costs, state hospitals, local funding, budget allocation, automated license plate reader, ALPR, license plate recognition, LPR, surveillance, driver privacy, vehicle tracking, location data, law enforcement technology, data retention, audit trail
Summary:
The Senate convened with ceremonial opening activities, approved the previous day’s journal, and referred committee reports and new introductions, including SB 6346, to the appropriate committees. It also confirmed several gubernatorial appointments to college and board positions: Glenn F. Ellis to the Peninsula College Board of Trustees, Suzanne Donaldson to the Clark College Board of Trustees, and Jesse E. Johnson to the Highline College Board of Trustees, each by large bipartisan margins.
The chamber then considered and passed a series of bills, often after suspending the rules to move them directly to final passage. These included SB 6014 on pregnancy-related accommodations; SB 5863 on preservation and inspection of Lakeland Village historical records; SB 5874 on correcting unemployment insurance employer reporting procedures for small businesses; SB 5972 expanding interest arbitration for certain correctional employees; SB 5286 formalizing reimbursement for local public safety services provided to state hospitals; SB 5877 making a technical correction related to certified anesthesiologist assistants; SB 5904 restricting nursing titles to licensed human persons; SB 5915 updating the health technology assessment program; SB 5919 creating voluntary wildfire-prevention incentives for agriculture; SB 5938 adjusting foreclosure prevention fees and exemptions; SB 5957 expanding the Homeless Youth Advisory Committee; SB 6102 aligning the ambulance transport quality assurance fee with federal rules; and SB 6103 advancing a rural hospital conversion intended to help East Adams Hospital remain open.
The most debated measures were SB 5825, which authorizes the Washington State Leadership Board to solicit gifts, grants, and endowments, and SB 6002, which regulates automated license plate reader systems and driver privacy. On SB 5825, two Jeff Wilson amendments seeking to limit administrative use of donated funds and cap contributions were both rejected, but the bill ultimately passed 33-16. On SB 6002, an amendment to broaden authorized uses of ALPRs was rejected, a striking amendment was adopted, and the bill passed 48-9 after extensive floor debate focused on privacy, surveillance, law enforcement utility, and the need for clear rules. Most other bills passed with little or no opposition, though SB 5972 and SB 5203 drew some dissent over impacts on smaller counties and land-use concerns tied to wildlife connectivity planning.
NM
New Mexico 2025 Regular Session
House - Commerce and Economic Development Mar 3rd, 2025
House Commerce & Economic Development Committee
Transcript Highlights:
- I have been working with both the Mortgage Finance Authority and the New Mexico Finance Authority.
- In foreclosure, is the bank still allowed to auction it, or do they have to offer it to the residents
- Pertaining to the sale of a mobile home park, wouldn't pertain to foreclosure.
- The... okay, so, but the... okay, when you're in foreclosure and they are trying to... the bank is trying
NH
Transcript Highlights:
- it all to investors and mortgage-backed securities and things like that.
- it all to investors and mortgage-backed securities and things like that.
- it all to investors and mortgage-backed securities and things like that.
- it all to investors and mortgage-backed securities and things like that.
- it all to investors and mortgage-backed securities and things like that.
Summary:
The Housing Committee opened with a public hearing on HB 196, which would repeal the Housing Champion program. Representative Matt Drew, the prime sponsor, argued the program is an unnecessary and poorly targeted subsidy, saying it rewards municipalities after projects are completed and may not be limited to new housing production. He questioned the transparency of the program, cited difficulty finding required annual reports, and noted a fiscal note suggesting the state could recover up to $3 million if obligations are terminated. Committee members and witnesses debated whether the program’s criteria amount to political favoritism or a standard grant process; supporters said the rubric is specific and that municipalities are evaluated against objective requirements. Representative Priest, Nick Taylor of Housing Action New Hampshire, and Karen Benfield of Stay Work Play New Hampshire all opposed repeal, saying the program encourages local zoning and regulatory changes, helps smaller communities participate, and supports housing supply and young people’s ability to stay in the state. The hearing on HB 196 was then closed.
The committee then opened a hearing on HB 1405, a bill establishing an affordable housing guarantee program within the Housing Finance Authority. Prime sponsor Representative Chris Muns said the bill would reduce lender risk by guaranteeing up to 80% of principal on qualifying loans for affordable housing, with a cap of $30 million per lender per year and $300 million outstanding at any time. He described the measure as a low-cost public-private partnership backed by the full faith and credit of the state, and said it was identical to a prior Senate bill that had received unanimous bipartisan committee support before dying later in the process. He framed the bill as one part of a broader housing package aimed at financing, infrastructure, workforce, zoning reform, and other housing-related issues.
No votes were taken during the portion of the meeting provided. The only formal actions were opening and closing the public hearing on HB 196 and opening the public hearing on HB 1405, with testimony continuing on HB 1405 at the end of the transcript.
TX
Transcript Highlights:
- So this municipality has not been created here. additional time foreclosures at all.
- relating to an exemption for certain property owners from regulatory requirements for residential mortgage
- Senate Bill 2630 by Creighton, relating to prohibiting the foreclosure of a lien-free or mortgage-free
- Senate Bill 2630 by Creighton, relating to prohibiting the foreclosure of a lien-free or mortgage-free
Summary:
The Senate convened with a quorum, heard an invocation, and adopted the previous day’s journal. Members then adopted Senate Resolution 358 honoring the University of Texas Rio Grande Valley on its 10th anniversary, with remarks highlighting UTRGV’s growth, degree production, research expansion, medical school, and role in serving the Rio Grande Valley and South Texas. The chamber also recognized the doctor of the day and adopted additional resolutions, including one for Denton County Days at the Capitol and another recognizing Texas HBCU Day.
The Senate gave extensive recognition to outgoing Texas A&M University System Chancellor John Sharp through Senate Resolution 368. Senators from both parties praised his long public career, leadership of the A&M System, support for regional universities, and bipartisan approach. The resolution was adopted after multiple members added their names. The chamber also heard from advocates with the Texas Streets Coalition, and received gubernatorial nominations for the State Board of Examiners of Professional Counselors and the Texas Commission on Fire Protection.
On legislation, the Senate passed several major bills. Committee Substitute Senate Bill 27, relating to rights and support for public school educators, was debated and amended to address teacher vacancies, bilingual certification testing, paid leave options, classroom removals, and appeal rights, then passed unanimously. Senate Joint Resolution 12, proposing a constitutional amendment on parents’ right to direct a child’s education, advanced on a 22-9 vote. Committee Substitute Senate Bill 1741, aimed at preventing foreign influence and intellectual property theft at public institutions of higher education, passed unanimously. Committee Substitute Senate Bill 29, the business entities bill, also passed after debate over corporate governance and shareholder protections. Senate Bill 857, authorizing law enforcement to tow certain vehicles driven by unlicensed or uninsured drivers, passed despite some concern about towing abuses during disasters. The Senate also took up Committee Substitute Senate Bill 1536 on dementia and Alzheimer’s training for certain guardians, but the transcript ends as that bill is being laid out.
AL
Transcript Highlights:
- machine, and members will vote. your house and don't lose it in your house and don't lose it in foreclosure
- . foreclosure. foreclosure.
- I've done mortgages and the whole nine yards. But I'm I just don't want the ...
- and the whole cuz I've done mortgages and the whole nine<01:53:04.560><c> yard.
- But the mortgage companies use the property tax to determine if they buy the house. >> Correct. >> And
NV
Nevada 2025 Regular Session
Assembly Committee on Ways and Means Jun 1st, 2025 at 10:00 am
Ways and Means
Transcript Highlights:
- and Industry to establish a pilot program to buy down the interest rate on a 30-year fixed-rate mortgage
- general fund appropriation of $10 million. to buy down the interest rate on a 30-year fixed-rate mortgage
Bills:
SB6, SB62, SB74, SB90, SB104, SB119, SB132, SB133, SB135, SB182, SB185, SB193, SB207, SB217, SB229, SB233, SB260, SB262, SB280, SB281, SB300, SB306, SB378, SB382, SB393, SB403, SB422, SB427, SB431, SB434, SB442, SB452, SB456, SB468, SB472, SB487, SB503, SB6
Keywords:
cloud seeding, Nevada, water conservation, agriculture, Desert Research Institute, victim compensation, hate crimes, property remediation, criminal justice, vulnerable persons, elections, voter registration, mail ballots, candidate eligibility, cybersecurity, education funding, teacher grants, classroom supplies, instructional support, specialized personnel
WA
Washington 2025-2026 Regular Session
Senate Floor Session Feb 13th, 2026 at 10:00 am
Washington Senate Floor Meeting
Transcript Highlights:
- So that person or that party cannot pay the mortgage, so they are forced to sell the property, but they
- So they typically have to take a reduced price, but then also they can't make the mortgage payments,
- But then also, they can't make the mortgage payment, so they're in a hurry to sell it, and it might go
- into foreclosure.
Bills:
SB5223, SB6071, SB5966, SB6061, SB5520, SB6016, SB5890, SB5973, SB5053, SB5249, SB5536, SB5879, SB5899, SB6190, SB6086, SB5574, SB5873, SB5924, SB6134, SB6263, SB6282, SB6302, SB5950, SB6074, SB6096, SB5970, SB5609, SB5827, SB5862, SB5880, SB5901, SB5943, SB5971, SB5975, SB5981, SB5988, SB6097, SJM8016, SB5496, SB5907, SB6031, SB6155, SB6158, SB6227, SB5947, SB6085, SB6234, SB6274, SB6194, SB5909, SB5868, SB6026, SB6044, SB6239, SB5923, SB6045, SB6106, SB6089, SB6170, SB5954, SB5968, SB5489, SB5762, SB5832, SB5847, SB5963, SB5969, SB6027, SB6032, SB6049, SB6066, SB6079, SB6082, SB6113, SB6114, SB6160, SB6162, SB6164, SB6176, SB6289, SB6309, SB6319, SB6347, SB6308, SB6200, SB6080, SB5911, SJM8014, SB6177, SB6052, SB6182, SB5828, SB6335, SB6017, SB6346, SB6262, SB5470, SB5990, SB6244, SB5961
Keywords:
criminal offense, fingerprinting, law enforcement, state regulations, public safety, overpayment recovery, modernization, health care, legislation, healthcare, nutrition, medically tailored meals, dietary support, food security, chronic illness, tourism, self-supported assessment, funding, statewide promotion, economic development
WA
Washington 2025-2026 Regular Session
Senate Floor Session Feb 13th, 2026
Washington Senate Floor Meeting
Transcript Highlights:
- So that person or that party cannot pay the mortgage, so they are forced to sell the property, but they
- So they typically have to take a reduced price, but then also they can't make the mortgage payments,
- But then also, they can't make the mortgage payment, so they're in a hurry to sell it, and it might go
- into foreclosure.
Bills:
SB5223, SB6071, SB5966, SB6061, SB5520, SB6016, SB5890, SB5973, SB5053, SB5249, SB5536, SB5879, SB5899, SB6190, SB6086, SB5574, SB5873, SB5924, SB6134, SB6263, SB6282, SB6302, SB5950, SB6074, SB6096, SB5970, SB5609, SB5827, SB5862, SB5880, SB5901, SB5943, SB5971, SB5975, SB5981, SB5988, SB6097, SJM8016, SB5496, SB5907, SB6031, SB6155, SB6158, SB6227, SB5947, SB6085, SB6234, SB6274, SB6194, SB5909, SB5868, SB6026, SB6044, SB6239, SB5923, SB6045, SB6106, SB6089, SB6170, SB5954, SB5968, SB5489, SB5762, SB5832, SB5847, SB5963, SB5969, SB6027, SB6032, SB6049, SB6066, SB6079, SB6082, SB6113, SB6114, SB6160, SB6162, SB6164, SB6176, SB6289, SB6309, SB6319, SB6347, SB6308, SB6200, SB6080, SB5911, SJM8014, SB6177, SB6052, SB6182, SB5828, SB6335, SB6017, SB6346, SB6262, SB5470, SB5990, SB6244, SB5961
Keywords:
criminal offense, fingerprinting, law enforcement, state regulations, public safety, overpayment recovery, modernization, health care, legislation, healthcare, nutrition, medically tailored meals, dietary support, food security, chronic illness, tourism, self-supported assessment, funding, statewide promotion, economic development
Summary:
The Senate opened with the usual ceremonial items, approved the previous day’s journal, received House messages, and introduced several bills. It also adopted Senate Resolution 868 honoring April as National Donate Life Month. Senators Gaynor and Dozier spoke in support, sharing personal stories about organ donation and transplant recipients, and the resolution was adopted by voice vote. The chamber also recognized guests in the gallery connected to those stories.
The Senate then confirmed several gubernatorial appointments, including Colin L. Bannister to the Workforce Education, Investment, Accountability, and Oversight Board, Amina Hussein to the Washington State University Board of Regents, and Ramatou-Libah to the Eastern Washington University Board of Trustees. Each confirmation passed with broad support after brief remarks from Senator Schoesler, and several senators were excused from voting. The Senate also acknowledged MLA Jody Tour of British Columbia and a personal privilege recognition for Senator Leis receiving Finland’s Order of the Lion.
On legislation, the Senate passed Engrossed Second Substitute Senate Bill 6026, dealing with residential development in commercial and mixed-use zones, after adopting and rejecting several amendments that narrowed or clarified exemptions and local-control provisions. Senators argued both for housing supply and for preserving local planning flexibility. The Senate also passed Senate Bill 6106 on layoff notifications and worker information protections, Senate Bill 5890 on speeding and reckless driving standards, Senate Bill 5536 on equitable distribution of real property in divorce, and Substitute Senate Bill 6097 allowing federally recognized tribes to participate in the Conservation Futures Program. Senate Bill 5988, authorizing fee authority for Department of Health accreditation services for opioid treatment programs, passed after a close vote with one nay. The meeting ended with the Senate standing at ease for caucus and lunch.
FL
Florida 2025 Regular Session
May 2, 2025 - 09:00 AM
Transcript Highlights:
- at my own bills, because I'm in charge of all the bills at home, paying everything, between the mortgage
- only does it disrupt lien priority, you've got to talk about it's an event of default pursuant to a mortgage
- You've got to talk about it's an event of default pursuant to a mortgage, right?
- A bank has to move into second lien priority behind a foreclosure on a lien.
Summary:
The Select Committee on Property Taxes held its first meeting with opening remarks from the co-chairs and ranking member framing the committee’s task as developing property tax legislation for next session. Staff then gave a high-level overview of Florida property taxes, explaining how ad valorem taxes work, the roles of property appraisers, tax collectors, taxing authorities, value adjustment boards, and the Department of Revenue, and reviewing key concepts such as just value, assessed value, exemptions, taxable value, millage rates, homestead exemptions, Save Our Homes, and portability. The presentation also emphasized that property tax law is largely rooted in the Florida Constitution and that local governments choose millage rates, which affects collections. No public comment was taken.
The committee then discussed five Speaker-proposed concepts. Proposal 1 would require cities, counties, and special districts to hold a referendum on eliminating property taxes on homestead properties; members raised concerns about local funding, public safety, special districts, renters, and the need for extensive voter education, with some suggesting countywide elections or town halls instead. Proposal 2 would create a new $500,000 homestead exemption for non-school taxes and a $1 million exemption for seniors 65+ or long-term homesteaders; members split between seeing it as meaningful relief for seniors and warning it could devastate local tax bases, especially in lower-value or rural counties, while also potentially trapping older homeowners in place. Proposal 3 would authorize the Legislature to raise homestead exemptions by general law; some liked the flexibility, but others worried about statewide one-size-fits-all impacts, political difficulty in reversing changes, and the need for local revenue replacement. Proposal 4 would change assessment caps for homestead and non-homestead property; several members said it would not provide enough relief and could shift burdens to rental properties and non-homestead owners. Proposal 5, eliminating foreclosure on homestead property for tax liens, drew the strongest opposition, with members saying it would undermine lien priority, mortgage and title systems, and incentives to pay taxes.
Throughout the meeting, members repeatedly stressed the need to understand local fiscal impacts, including police, fire, infrastructure, and other services funded by property taxes, and to consider alternative revenue sources or offsets if taxes are reduced. The co-chairs said the committee is still in the information-gathering stage, that all ideas remain on the table, and that members should do “homework” by meeting with local taxing authorities and learning how property taxes are set and spent in their districts. The meeting ended with no votes on the proposals and adjournment after a motion to rise.
DE
Delaware 2025-2026 Regular Session
House of Representatives Legislative Session - Session 2 - 42nd Legislative Day- REASSEMBLE Part 1 Jun 30th, 2026
Delaware House Floor Meeting
Transcript Highlights:
- They have a mortgage payment on that house, and their tenant is not paying the rent.
- I believe that any foreclosure that would happen would result in a, so it's a pretty lengthy process
- And that is, if a landlord misses one mortgage payment, technically the bank can foreclose on them at
- I'm not a foreclosure expert, but yes, I would believe that's the case.
- But Delaware also does have a right of redemption for foreclosures as well.
Summary:
The House met on June 30, 2026, with opening ceremonies, guest introductions, a prayer, the Pledge of Allegiance, and a moment of silence for two deceased community members. Members also adopted Consent Calendar 29, which included House Concurrent Resolutions 153, 154, and 156, and passed House Concurrent Resolution 157 directing the State Lottery to report on iLottery options to support traditional lottery retailers, as amended to set a February 15, 2027 reporting deadline.
The chamber then considered several bills on agriculture, telecommunications, health, fire service standards, corrections, elections, and education. Among the measures passed were Senate Bill 53 on the Delaware Farm to Community Program, Senate Bill 307 on PSC authority for Lifeline telecom carriers, Senate Bill 339 clarifying advance health care directives, Senate Bill 235 extending manufactured home rent increase rules, Senate Bill 325 updating firefighter/EMS background check and membership standards, Senate Bill 309 discharging incarceration-related balances, Senate Bill 324 on constable-related handgun purchase exemptions, Senate Bill 94 on respiratory care practitioners and ECMO medication access, and Senate Bill 293 creating a licensure pathway for summer camp providers in the Purchase of Care program.
The House also passed Senate Substitute 2 for Senate Bill 100, proposing a constitutional amendment to protect the right to marry regardless of race or gender while explicitly preserving religious freedom. The bill drew extended debate, with supporters framing it as a safeguard against future rollbacks of marriage equality and opponents raising concerns about constitutionalizing an issue already in statute; several members explained changed votes and personal reflections before the final roll call, which passed 28-12. House Bill 188, which would allow unaffiliated voters to choose a party primary, also passed after amendment, despite some opposition over party-system effects.
Two measures were tabled or amended after debate: Senate Bill 233 on removing snow and ice from vehicles was initially tabled to consider a truck-driver exemption amendment, then the amendment failed and the bill later passed as amended; and Senate Joint Resolution 19 on studying health care costs was tabled briefly pending legal clarification. House Substitute 1 for House Bill 404, creating a three-year pilot program for AI and extended reality in schools, passed after testimony from the Department of Education emphasizing guardrails, data privacy, and teacher oversight. The transcript ends as House Bill 478 is being read in, but no final action on that bill appears in the provided text.
CA
Transcript Highlights:
- the price of a single-family home, which makes an enormous difference to people trying to get a mortgage
- One, a union carpenter at the top of their game does not earn enough today to qualify for a mortgage
- A union carpenter at the top of their game does not earn enough today to qualify for a mortgage for a
- If the prices aren't reasonable enough, you won't be able to afford the mortgage, even if you had the
- Without rehabilitation, these developments can fall into disrepair and foreclosure, resulting in the
CA
California 2025-2026 Regular Session
Assembly Arts, Entertainment, Sports, and Tourism Committee May 5th, 2026
Transcript Highlights:
- And having experience working through the subprime mortgage crisis and working with hard money lenders
- And then, when that didn't come to fruition, the house went into foreclosure.
- He had a house in foreclosure. He lost his scholarship. He lost his NIL contract.
- And the home I bought, that was supposed to be my escape, went into foreclosure.
Summary:
The committee held an informational hearing on name, image, and likeness (NIL) and financial literacy for student athletes, with members framing California as a national leader on NIL but emphasizing the need for stronger protections and more consistent education. The chair and witnesses discussed how NIL opportunities now include both third-party endorsement deals and school revenue-sharing arrangements, and how the current landscape varies widely by institution, leaving athletes with a patchwork of rules and support. Several witnesses argued that student athletes, especially younger ones and those from low-income or first-generation backgrounds, are vulnerable to predatory contracts, tax problems, and pressure from family, agents, or lenders.
The first panel featured Tyree Dillingham and Brandon Copeland, who called for standardized financial literacy, better guardrails against predatory NIL advances, and a player-led association or similar collective voice for athletes. They described examples of athletes not understanding paychecks, taxes, or contract terms, and warned that some schools and collectives blur the line between education and marketing. Copeland also argued that college athletics now functions like a professional business and that athletes need representation and a standard contract structure to protect them.
The second panel focused on lived experience, including testimony from attorney Anthony Coronae and student athlete Mikey Williams. Coronae described reviewing a contract that he said functioned like a predatory loan disguised as marketing support, with the company taking exclusive rights to Williams’ NIL and requiring repayment far beyond the advance. Williams testified that he signed without a lawyer, later lost endorsements, scholarship, and housing stability, and only later learned the contract’s consequences. He said a required financial literacy course at Sacramento State helped him begin to understand budgeting, taxes, and contracts, and he urged the legislature to require legal review or stronger safeguards for athletes.
The third panel, from San Diego State University, highlighted a more structured institutional model. Athletic director Brendan Hill described a mandatory four-year life-skills program that includes financial literacy, resume workshops, internships, and branding education, while student athlete Sloan Benchoff said the program helped her manage money and prepare for post-college life. Witnesses agreed that support is uneven across schools, that some agents and lenders are exploiting athletes, and that California should consider standardized financial education and agent regulation while also being careful not to create rules that unintentionally restrict athlete rights. No formal vote or bill action was taken at the hearing.
WA
Washington 2025-2026 Regular Session
Senate Floor Session Feb 4th, 2026
Washington Senate Floor Meeting
Transcript Highlights:
- An act relating to foreclosure prevention. The section expires August 1, 2028.
- Our foreclosure program, as you know, expanded last year to include counseling and mediation for people
- We want to make sure some people on reverse mortgages are not subject to this fee, and we want to make
- I appreciate her efforts in working to help people avoid foreclosure, and I would encourage support of
Bills:
SB5223, SB5286, SB6002, SB6178, SB5892, SB5177, SB6039, SB5874, SB5863, SB5972, SB5941, SB5203, SB6014, SB5993, SB5831, SB5928, SB5912, SB5825
Keywords:
criminal offense, fingerprinting, law enforcement, state regulations, public safety, policing costs, state hospitals, local funding, budget allocation, automated license plate reader, ALPR, license plate recognition, LPR, surveillance, driver privacy, vehicle tracking, location data, law enforcement technology, data retention, audit trail
Summary:
The Senate convened with opening ceremonies, approved the previous day’s journal, and referred committee reports and new bill introductions to the designated committees, including sending SB 6118 and SB 6292 to Ways and Means. The chamber then confirmed several gubernatorial appointments to college boards: Glenn F. Ellis to the Peninsula College Board of Trustees, Suzanne Donaldson to the Clark College Board of Trustees, and Jesse E. Johnson to the Highline College Board of Trustees, all by unanimous or near-unanimous roll call votes.
The Senate then considered and passed several bills. SB 6014, a technical cleanup to pregnancy and postpartum accommodation laws, passed 41-8 after supporters said it clarified privacy protections and removed barriers for workers. SB 5863, dealing with preservation and inspection of state historical records tied to Lakeland Village, passed 49-0. SB 5825, authorizing the Washington State Leadership Board to solicit gifts, grants, and endowments, passed 33-16 after two proposed amendments to limit administrative costs and cap contributions were rejected. SB 5874, allowing employers to correct certain unemployment insurance reporting errors, passed 49-0, and SB 5286, setting a statutory reimbursement cap for local police and fire services provided to state hospitals, passed 49-0 after an amendment set a $750,000 per-biennium maximum per facility.
The Senate also passed SB 5904, requiring nursing titles to be used only by licensed human persons, and SB 5915, updating the health technology assessment process used for coverage decisions, both unanimously. SB 5919, creating voluntary wildfire-prevention incentives for agricultural producers and fire districts, also passed 49-0. SB 5938, making adjustments to foreclosure prevention fees and exemptions, passed 49-0. SB 5957, expanding the Office of Homeless Youth Prevention and Protection Program and its advisory committee, was taken up near the end of the transcript, with supporters emphasizing youth safety and trafficking prevention; the roll call was underway when the transcript ended.
A major policy debate centered on SB 6002, which regulates automated license plate reader systems and driver privacy protections. After a proposed amendment to expand authorized uses was rejected, the bill’s striker was adopted. Supporters described the measure as a bipartisan privacy-and-public-safety balance that limits misuse and unauthorized sharing of ALPR data while preserving law enforcement utility; opponents argued it still needed more work or broader privacy protections. The engrossed second substitute passed 48-9. Another significant debate involved SB 5972, expanding interest arbitration for correctional employees in local city and county governments; supporters cited consistency and labor stability, while opponents warned of burdens on smaller counties. That bill passed 34-15. SB 5203, creating a wildlife connectivity planning and funding framework, passed 31-18 after supporters argued it would reduce wildlife-vehicle collisions and improve grant competitiveness, while critics said it was too prescriptive and could affect rural land use and agriculture.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/26/25
Commerce Finance and Policy
Transcript Highlights:
- However, keeping mortgages affordable is more difficult than ever.
- </c><00:07:56.000><c> affordable</c><00:07:56.599><c> is</c><00:07:56.800><c> more</c> keeping mortgages
- affordable is more keeping mortgages affordable is more difficult<00:07:57.560><c> than</c><00:07:57.800
- The testifier was real clear on this: I get bullied, and all of a sudden my house is in foreclosure.
- <00:46:45.839><c> thank</c><00:46:46.000><c> you</c><00:46:46.200><c> representative</c> foreclosure
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