Transcript Highlights:

• So now you've essentially put somebody who has already put their family's equity and livelihood and everything
• So now you've essentially put somebody who has already put their family's equity and livelihood and everything
• So now you've essentially put somebody who has already put their family's equity and livelihood and everything

Keywords: 928, house, all

Summary: The subcommittee first took up an amendment to a bill dealing with digital assets, zoning, utilities, and noise. Members discussed removing the “private key” language, clarifying that the bill would prohibit state or local governments from treating digital asset mining differently from other industrial uses, and narrowing several provisions based on feedback from the Municipal Association. There was also discussion about electricity use, rate schedules, and whether the bill would allow payment of electric bills in Bitcoin; members clarified that bills would still be paid in dollars and that discriminatory rates were not allowed. The amendment was approved on a straw vote, and the committee then voted 7-1 to adopt the amended bill. The committee then considered a separate bill related to a paint stewardship program. The sponsor explained that the amendment would remove references to a fee structure that had troubled him in public hearing, while still preserving the plan and oversight by the Department of Environmental Services. Members discussed whether the bill’s liability and disclosure language affected antitrust concerns, and a representative from the American Coatings Association testified that the program’s environmental management practices and liability provisions were intended to ensure responsible handling and cleanup. The committee ultimately voted 7-1 to adopt the amended bill. Later, the subcommittee moved to liquor-related business. It first voted unanimously, 7-0, to retain a cannabis-related item. It then discussed a tavern license bill that would create a 21-plus tavern category, with the Liquor Enforcement Division explaining that the restriction was tied to alcohol-only venues and the potential for late-night entertainment and nightclub-style operations. Members raised concerns about local control and public safety, and the discussion referenced existing cocktail lounge rules and the possibility of towns opting into such a license. The transcript cuts off before a final vote on that item is shown.

Transcript Highlights:

• This commitment is foundational as we work to ensure equity in access to education.
• Senator Menendez: Absolutely, it's important that the measures taken to ensure equity do not unintentionally
• Ensuring equity in education must remain a priority as we consider these policies moving forward.

Bills: SB 2

Keywords: 1185, senate, all

Transcript Highlights:

• Do you agree that we cannot provide equity for 100% of people 100% of the time, but we’re obligated as
• Representative Perez: Do you agree that we cannot provide equity for 100% of people 100% of the time,
• Do you agree that we cannot provide equity for 100% of people 100% of the time, but we’re obligated as

Keywords: 928, house, all

Summary: The House Judiciary Committee opened a hearing on House Bill 148, which Rep. Jim Kofalt said is the same language as last year’s HB 396, vetoed by the governor. He described the bill as allowing, but not requiring, separation by biological sex in three areas: bathrooms and locker rooms, houses of correction, and certain athletic competitions. Kofalt argued the bill would give local school boards and other policymakers discretion to set practical rules, citing concerns about safety, privacy, and a Milford incident involving a biological male in girls’ locker rooms. Committee members pressed him on the lack of a definition of “biological sex,” and he said he did not think one was necessary because males and females are commonly understood. He also said the bill was meant to address situations where outside groups threaten lawsuits and leave local boards with no latitude. Testimony then split sharply. Supporters, including Executive Counselor Karen Hill and several others, said HB 148 would roll back anti-discrimination protections, contradict New Hampshire’s “Live Free or Die” values, and harm transgender and non-binary people. Opponents described the bill as discriminatory and unnecessary, arguing that existing bathroom and sports policies already work and that the bill would invite harassment, invasive enforcement, and legal conflict. Several speakers, including trans residents and parents of trans children, said they had used public restrooms without incident and warned that enforcement would be impractical or abusive. One supporter argued the bill was needed to protect girls’ privacy and safety and cited school sports disputes and a concern about a sex offender at a game as examples of why sex-segregated rules should be restored. Committee members asked questions about how biological sex would be defined, whether the bill was responding to real incidents in New Hampshire, and how any restrictions would be enforced. Kofalt said he was aware of issues in several school districts and at the State House, but did not have detailed documentation for every case. No vote or final action was taken in the portion of the hearing provided; the chair instead moved through public testimony under a strict two-minute limit and noted that follow-up questions would be limited so the committee could hear multiple bills that day.

Transcript Highlights:

• The Superior Court is a court of equity, and we'll get into that in a little bit, but I want to switch
• He said that is the crux of the bill: to set into stone where equity can be reached in this issue.
• That is the crux of this bill, to set into stone where equity can be reached in this issue.
• where to set into stone where Equity where to set into stone<03:11:00.840> the<03:11:01.080><
• > can<03:11:02.760> be stone the policy by which Equity can be stone the policy by which

Keywords: 928, house, all

Summary: The meeting began with committee process reminders from the chair, including rules for questioning witnesses, time limits for testimony, and how motions and committee reports are handled. The chair also discussed the committee’s history, emphasized a cooperative approach with agencies and the Judiciary, and noted that a special committee on the Family Division of Circuit Court had previously done useful work; he said a new subcommittee could be appointed later to continue looking at judicial-system issues. He also mentioned that the Speaker’s office was expected to name members to the DHHS oversight committee by Friday at 1. The substantive presentation was from the Department of Health and Human Services’ Bureau of Child Support Services. Attorney John Williams introduced the bureau team, and Bureau Chief Lisa Dekowski described the program’s mission: encouraging responsible parenting, family self-sufficiency, and child well-being by locating parents, establishing paternity, setting or modifying support orders, and enforcing court-ordered child and medical support. She said the bureau operates statewide under Title IV-D of the Social Security Act, works with courts, employers, and other partners, and serves both in-state and out-of-state cases, with some international and tribal coordination. She also cited program scale, saying the bureau dispersed about $76 million to families in New Hampshire in fiscal year 2023 and that most collections go directly to families. Members asked about enforcement tools, especially passport denial. In response to a question about a case involving a very small shortfall, the bureau said the federal passport-denial threshold is $2,500 in arrears, not a few cents, and that denial remains in place until the balance is resolved or an arrangement is made with the agency, with hardship factors potentially considered. The bureau also explained that either parent can apply for services when a child support order exists and that the bureau can help initiate income withholding orders. No votes or formal actions were taken during this portion of the meeting.

Transcript Highlights:

• first enacted in 2008 under the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity
• 08:34.720> Parody<04:08:35.600> and<04:08:35.920> Addiction<04:08:36.399> Equity
• Health Parody and Addiction Equity Act. Health Parody and Addiction Equity Act.

Keywords: 1189, house, all

Summary: The committee first adopted amendment 2026-2021S to correct a drafting issue in the budget language so that the $2.5 million appropriation for Medicaid per diem rate stabilization at county nursing homes can be spent during the biennium rather than lapsing at the end of the fiscal year. Senator Lang explained that the funds are matched with federal dollars for a total of $5 million and are intended to prevent rate reductions that could shift costs to county property taxpayers. The amendment was adopted unanimously by both chambers, and the committee proceeded on the bill as amended by the Senate. The main discussion then focused on HB 155 and a proposed amendment to the business enterprise tax. The House proposal would lower the BET rate in stages when combined business tax revenues exceed certain thresholds, while the Senate opposed an immediate rate reduction and argued that tax changes should be handled in a budget year. Senators emphasized that raising the filing threshold to $375,000 had already removed about 3,500 small businesses from filing requirements, and they preferred further relief through threshold changes rather than rate cuts. House members argued that the trigger-based reduction was a reasonable, tested mechanism and would provide future tax relief without taking effect unless revenues rose enough. Members debated whether the trigger could be distorted by one-time revenue spikes, such as the recent tax amnesty receipts and prior federal repatriation-related revenue, and Representative Sweeney said he was willing to adjust the effective date or carve out amnesty revenue. The committee did not reach agreement on the BET reduction, and the chair called a break and then continued the meeting later with a new proposal to delay the trigger’s effective date to January 1, 2028. Senator Lang rejected that version but offered a counterproposal to raise the filing threshold to $400,000, and the parties ultimately agreed to continue discussions and reconvene later. The meeting also took up HB 1102, concerning the research and development tax credit and state park fees. The House position was to support the R&D tax credit but remove the park-fee provisions, citing testimony from the Department of Natural and Cultural Resources that it did not need the increase and concerns about discouraging tourism, especially at border parks. Supporters of the park-fee language argued that the department had not raised rates in years, could set its own rates, and should be able to charge nonresidents more while keeping New Hampshire residents’ fees lower. The discussion remained unresolved, with members debating the likely effect on tourism and fairness to residents versus the need for additional revenue.

Transcript Highlights:

• have not, and um, we have not been able to solve that challenge of how we attract that um, private equity
• challenge of how we attract that um, challenge of how we attract that um, private<01:49:32.960> equity
• private equity side into New Hampshire. private equity side into New Hampshire.

Keywords: 1189, house, all

Transcript Highlights:

• Your decision to maintain these supports affirms Minnesota's long-standing commitment to equity and access
• 50.480> to Minnesota's long-standing commitment to Minnesota's long-standing commitment to equity
• 51.359> access<00:35:51.680> for<00:35:51.839> all<00:35:52.079> learners, equity
• , and access for all learners, equity, and access for all learners, regardless<00:35:52.880> of

Keywords: 1187, senate, all

Transcript Highlights:

• Santelises has championed equity-centered reforms, prioritized investments in school communities, and
• Santelises has championed equity-centered<00:04:19.079> reforms,<00:04:20.160> prioritized<
• /c> equity-centered reforms, prioritized equity-centered reforms, prioritized investments<00:04:21.760

Keywords: House streaming session for Tuesday, March 10, 2026, 957, house, all

Summary: The House convened with 124 members present, offered a prayer, and recognized foster youth visiting the chamber. Members then adopted two House resolutions honoring Dr. Sonja Santelises for 10 years as CEO of Baltimore City Public Schools and recognizing Sigma Gamma Rho Sorority, Incorporated, for 104 years of service, scholarship, and sisterhood. The House also received Senate bills and began taking up committee reports. Several bills were reported favorably and advanced to third reading, including measures on higher education grants, public safety pay restrictions, retirement and pension system work group extensions and cost-of-living adjustments, synthetic turf and aquaculture studies, rail crew requirements, Howard County speed limits, election address confidentiality, IT investment fund uses, ethics financial disclosures, Public Information Act divorce records, aging-in-place grants, judicial assignments, clerk and register salaries, and firearm literature distribution. House Bill 428, concerning temporary assignment of former judges, was special ordered until the next day after the minority whip requested time for an amendment. The chamber also considered and adopted amendments on several bills. House Bill 437, the Transportation and Climate Alignment Act of 2026, was amended to exempt the Chesapeake Bay Bridge project and then special ordered after questions about greenhouse gas impacts on major highway expansion projects. House Bill 457 on menstrual hygiene products at higher education institutions, House Bill 538 on student enrollment disclosures, House Bill 561 on child care credential funding, House Bill 720 on a veterans scholarship, and House Bill 212 on out-of-state vehicle registration all received amendments and favorable reports as amended. HB 212 drew extended debate about Maryland residents using out-of-state tags, with supporters saying it would help enforce registration laws and opponents raising concerns about legislative вмешательство in vehicle regulation and enforcement discretion.

Transcript Highlights:

• Essentially, allowing them to save their home, save their equity.
• allowing them to save their home,<01:37:03.199> save<01:37:03.520> their<01:37:03.679> equity
• <01:37:04.719> This<01:37:05.040> bill home, save their equity.
• This bill home, save their equity.

Bills: SF1750, HF704, HF3479

Keywords: common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan

Transcript Highlights:

• schools, we seem to be the last ones to get anything because of I don't know what it is, but there's no equity
• c><00:48:13.200> but<00:48:13.360> there's<00:48:13.520> no<00:48:13.680> equity
• <00:48:14.400> And what it is, but there's no equity.
• And what it is, but there's no equity.

Bills: SB3263, SB3261

Keywords: student-athletes, name image likeness, NIL, compensation, transparency, University of Hawaii, Title IX, funding, protections, athlete agents, student athletes, endorsement contracts, professional representation, registration requirements, sports law, 912, senate, all

Summary: The joint committees heard testimony on Senate Bill 3263, which would create a state-supported endowment for University of Hawaii athletics NIL (name, image, and likeness) funding. University of Hawaii Athletics Director Matt Eliott supported the bill, saying NIL requires both immediate funding and a longer-term sustainable solution. He asked for several changes: lowering the initial endowment target from $10 million to $2 million so the fund could start sooner, allowing NIL reporting by team rather than by individual student-athlete, and clarifying that athletes may choose whether to use an agent, while still allowing certified agents or a parent/guardian if desired. Committee members raised concerns about using taxpayer dollars for athlete compensation, the burden on a small-state budget, and whether the university could realistically raise the required matching funds. Several senators questioned whether the university had a concrete fundraising plan and whether the endowment would meaningfully help UH compete with larger programs. Eliott said UH is already fundraising privately for current NIL obligations, had raised more than $1.6 million toward a $3 million annual goal, and would continue fundraising for both short-term needs and the endowment match. He also said the university is not trying to compete with Power Five schools on the same scale, but to be successful at its own conference level. Members also discussed transparency and privacy, with some senators arguing that if state money is used, the public should know how it is spent, while Eliott said individual student-athlete NIL information should remain private and team-level reporting would be preferable. He confirmed international student-athletes are eligible for NIL and said about 60 to 70 UH athletes are currently participating, with more than 100 expected next year. The discussion also touched on UH’s Mountain West media rights and local TV rights, with Eliott explaining that the conference distribution is expected to remain around $3.5 million and that local TV rights would be negotiated separately. No vote or final action was taken during the portion of the hearing provided.

Transcript Highlights:

• So we tried to maintain that equity that Chair Rick mentioned that she wanted.
• So we tried to maintain that equity<01:32:32.400> that<01:32:32.639> chair<01:32:32.880
• > Ric<01:32:33.280> mentioned<01:32:33.600> that<01:32:33.840> she equity
• that chair Ric mentioned that she equity that chair Ric mentioned that she wanted.<01:32:34.639>

Keywords: 919, house, all

Summary: The Higher Education Conference Committee reviewed differences among the Governor’s, House, and Senate proposals for state grant parameter changes and their effects on state grant spending, North Star Promise spending, and average student awards. Nonpartisan staff explained that the proposals use different combinations of parameter changes, with the Governor’s and Senate plans modeled to avoid or minimize rationing, while the House plan would require rationing to balance the program. Staff reported projected biennium balances of a positive $29.836 million for the Governor’s proposal, a negative $60.758 million for the House proposal without rationing, a positive $994,000 for the House proposal with rationing, and a positive $3.623 million for the Senate proposal; North Star Promise balances also varied, with the Senate showing a positive balance and the Governor and House with rationing showing negative balances. Staff also said the Senate proposal would extend availability of the state grant appropriation and suspend surplus procedures through fiscal year 2029, allowing the balance to carry forward. The committee then focused on the House-only tuition and fee cap provision, which would limit the tuition recognized for state grant purposes for four-year programs to the University of Minnesota Twin Cities level, with 1% annual increases in fiscal years 2026 and 2027. House members said the cap was intended to address rising tuition, especially at the University of Minnesota, and to produce savings in the state grant program. The governor’s office confirmed the provision was not included in the Governor’s bill. Representatives from the University of Minnesota and the Minnesota Private College Council opposed the cap, arguing it would reduce awards for low-income students and shift costs to students rather than address underlying tuition pressures; they also said it could discourage enrollment at higher-cost institutions. Supporters from Minnesota State argued the cap would improve fairness because students at lower-tuition institutions are effectively capped lower, while students at more expensive institutions receive larger awards, and they said the legislature should intervene in a variable that has grown substantially over time. Committee members questioned how the cap would work and whether it was tied to the Twin Cities campus rate. Testifiers clarified that the state grant formula is tied to the University of Minnesota level, but because Minnesota State institutions are below that level, the cap effectively limits their students to their own lower tuition while allowing higher awards at the University of Minnesota and private colleges. No formal vote or final action was taken in the portion of the meeting provided; the chair indicated the committee would continue with item-by-item review of the remaining parameter changes and hear additional testimony from agencies and institutions.

Transcript Highlights:

• was authorized in the 2023 legislature for appropriations for an MDH policy to promote diversity, equity
• c> diversity, MDH policy to pro to promote diversity, MDH policy to pro to promote diversity, equity
• :10:10.560> Line<00:10:10.880> 1389<00:10:11.680> is<00:10:11.920> an equity
• Line 1389 is an equity, and inclusion.

Bills: HF2435

Keywords: healthcare, dementia services, public health funding, opioid prevention, women's health, community health boards, mental health, 1183, house

Transcript Highlights:

• Line 15 is the MINEP Minnesota Education Equity Partnership, remains at the $90,000 biennial base.
• Line 15 is the MINEP Minnesota Education<00:04:05.120> Equity<00:04:05.439> Partnership
• <00:04:05.840> remains<00:04:06.159> at Education Equity Partnership remains at Education
• Equity Partnership remains at the<00:04:06.480> $90,000<00:04:07.280> banial<00:04:08.200

Keywords: 919, house, all

Summary: The committee took up House File 2312 and first adopted the DE1 amendment, after which the amended bill was discussed. Nonpartisan fiscal staff walked through the spreadsheet and explained the bill’s higher education budget changes, including increases for state grants and tribal college assistance, unchanged funding for several existing programs, and reductions or eliminations for items such as state work study, summer academic enrichment, student loan counseling, concurrent enrollment, and the student parent support initiative. Staff also noted transfers to special revenue funds, the cancellation and reappropriation of ALS research funding, and a new licensing/registration revenue item. The committee was told the bill met the committee’s zero target overall, with a net general fund change of zero relative to the February forecast, while also adding some non-general fund expenditures for program licensing and registration. Members asked several questions about the transfers and specific line items, including whether any new special revenue accounts were being created, the foster care wraparound services line, and the treatment of the University of Minnesota and Centric Care partnership. Staff explained that the transfers generally did not create new accounts, that some items were not in the base, and that the U of M/Centric Care partnership was a one-time appropriation in the prior bill but was now being built into the base at a different amount. The University of Minnesota section also included new or continued funding for medical school development, health training restoration, emergency assistance grants, ALS research, and a weather resiliency program, while the Mayo Foundation section eliminated funding for Mayo Medical School and the Mayo family medicine residency program. The policy portion of the DE1 was then introduced. It included a maximum tuition and fee amount for state grants, direct appropriation of emergency assistance grants to Minnesota State, a juvenile justice appropriation for Metropolitan State University, and the ALS research reappropriation to the University of Minnesota. It also contained repealers for unfunded programs, including a delayed repealer for the student parent support initiative. In the higher education policy article, the bill would allow Minnesota State to offer applied doctoral degrees in cybersecurity, make technical changes to hunger-free campus and sexual misconduct procedures, extend pregnant and parenting student protections to private institutions, allow OHE to retain up to 10% of certain competitive grants for administration, consolidate reports, change the state grant formula so negative FAFSA contributions count as zero, and reduce the state grant lifetime credit cap from 180 to 120 credits. The Northstar Promise provisions would limit tuition and fees to resident rates and require MnState, and request the University of Minnesota, to ensure eligible students receive the benefit.

Transcript Highlights:

• Line 15 is the Minnesota education equity partnership, remains at the $90,000 biennial base.
• Line 15 is the mini Minnesota education<00:05:07.680> equity<00:05:08.000> partnership<
• 00:05:08.400> remains<00:05:08.720> at education equity partnership remains at education
• equity partnership remains at the<00:05:09.039> $90,000<00:05:09.840> banial<00:05:10.320

Bills: HF2312

Keywords: higher education, college finance, student aid, financial aid, state grants, North Star Promise, scholarships, tuition relief, Minnesota State, University of Minnesota, Office of Higher Education, work-study, child care grants, Indian scholarships, tribal colleges, Hunger-Free Campus, student parents, pregnant students, parenting students, sexual misconduct

Transcript Highlights:

• It's an equity win.
• It's an equity win.
• It's an equity win.
• It's an equity win.

Keywords: 1187, senate, all

Transcript Highlights:

• as giving Надо access control and get the information We provide evidence at those conversations Equity
• I lost all the equity I had.
• severely limit consumer choices, pushing them towards unregulated markets and compromising safety. equity
• Reyes Okay, we're going to show Sarah Reyes, registered on behalf of Texas Center for Justice and Equity

Bills: HB 28, SB 3

Keywords: hemp regulation, consumable products, cannabinoids, state health, youth protection, licensing fees, criminal offenses, HB28, public testimony, committee decorum, bill substitute, legislative process

Summary: The meeting featured significant discussions regarding HB28, where the chair outlined the plans to bring forward a substitute for the bill. The chair emphasized the importance of maintaining order and decorum during the proceedings. Members engaged in deliberations, and a number of public witnesses were invited to testify, thereby enriching the discussion around the bill. This interaction provided valuable insights into public sentiment regarding the issues at hand.

Transcript Highlights:

• Because it's the right thing to do to make our position on equity and admissions the law, given the Supreme
• make<01:03:18.119> our<01:03:18.400> position<01:03:18.880> on<01:03:19.119> equity
• <01:03:19.440> and make our position on equity and make our position on equity and admissions

Keywords: 1183, house

Transcript Highlights:

• Instead of closing equity gaps, the current grant model is widening them.
• Instead of closing<00:20:18.799> equity<00:20:19.200> gaps,<00:20:19.600> the<00
• :20:19.760> current<00:20:20.000> grant closing equity gaps, the current grant closing
• equity gaps, the current grant model<00:20:20.559> is<00:20:20.720> widening<00:20:21.200

Keywords: 1187, senate, all

Transcript Highlights:

• Human Services and Elderly Affairs: there was a bill, for example, to eliminate the Office of Health Equity
• example to eliminate the office<02:00:40.560> of<02:00:40.719> Health<02:00:41.119> Equity
• <02:00:42.119> that<02:00:42.360> had<02:00:42.920> uh office of Health Equity
• that had uh office of Health Equity that had uh significant<02:00:44.079> fi<02:00:44.320>

Keywords: 928, house, all

Summary: The committee met on March 28 for a Health and Human Services Oversight Committee meeting, approved the draft minutes from February 21, and then received updates from DHHS on the sudden termination of about $80 million in federal COVID-era funding. Commissioner Lori Weaver and Trisha Tilly said the funding had been expected to continue through September 2026, but an email ending it immediately created a 15-month budget gap. They explained that most of the money supported public health work, especially epidemiology, laboratory capacity, data systems, community health workers, outbreak response, and some behavioral health supports. DHHS said it had notified contractors, was reassessing which activities could continue, and had managed to avoid layoffs for its 20 affected staff by shifting funding sources, though some contract lab staff had to leave and some work would stop or be put on hold. Senators and representatives asked about impacts on labs, staffing, and the state budget lapse, and DHHS said the water lab and testing supplies would be affected and that the department was trying to backfill where possible with other federal funds. The committee then heard a maternal mortality report from the Maternal Mortality Review Committee. Alison Power and Caroline Naami explained that the MMRC reviews maternal deaths to identify contributing factors and make recommendations, and that it had completed one CDC grant and received another five years of funding. For 2023, the state recorded five pregnancy-associated deaths, including three from overdose, two from cardiovascular causes, and one homicide; the share of deaths related to substance use fell from 62.5% in 2022 to 40% in 2023. Over the 2019–2023 period, half of pregnancy-related deaths were due to overdose, most occurred postpartum, and many involved Medicaid recipients, transportation or financial barriers, and deaths at home. The committee said mental health and substance use remained the main drivers of maternal mortality, but that 79% of pregnancy-related deaths in the five-year aggregate were considered preventable. Presenters highlighted recommendations and ongoing interventions, including expanding Medicaid coverage through one year postpartum, strengthening behavioral health access, partnering with the Department of Corrections on care for pregnant and postpartum women, and continuing clinical education through the Northern New England Perinatal Quality Improvement Network. Members asked why the maternal mortality rate had declined in recent years; staff said the 2021 spike was tied to the pandemic and that recent declines likely reflected both that spike and the impact of interventions, though the small number of cases makes trends hard to interpret. No additional votes or formal actions were taken beyond approving the minutes.

Transcript Highlights:

• Vice Chair Hudson, House File 1986 seeks to address a specific tort equity issue.
• ><01:28:22.080> a<01:28:22.400> specific<01:28:23.040> tort<01:28:23.440> equity
• to address a specific tort equity issue. to address a specific tort equity issue.

Bills: HF1027, HF2226, HF1916, HF1915, HF1567, HF1986

Keywords: mortgage foreclosure, redemption, foreclosure surplus, sheriff's sale, junior lienholder, mortgagor, homeowner protections, loss mitigation, dual tracking, foreclosure redemption period, certificate of redemption, certificate of sale, sheriff, county recorder, registrar of titles, homeownership center, lien priority, real property, foreclosure by advertisement, surplus funds