Transcript Highlights:

• To modernize our operations, escalate.
• <02:25:53.439> therapeutic have served as a licensed therapeutic have served as a licensed
• <02:27:30.720> from certain um professional licenses from certain um professional licenses
• <02:28:01.200> that professions that require licensing that professions that require licensing
• “Manicurist that requires a license.

Keywords: 910, house, all

Transcript Highlights:

• Since that time, other states have adopted licensed paraprofessional programs.
• Since that time, other states have adopted licensed paraprofessional programs.
• of a licensed attorney.
• They are licensed to practice under Rule 9 for this program.
• And those experts have a mental health license or be mental health professionals.

Summary: The work session began with a discussion of expanding opportunities in the legal profession, especially in response to shortages of lawyers in rural Washington and in public service roles. Washington State Bar Executive Director Tara Nevitt described a slowly growing but aging attorney population, noted that younger attorneys have declined, and outlined efforts such as supervised practice pathways to bar admission, reduced admission-by-motion experience requirements, expanded law clerk capacity, rural job fairs and grants, and a pilot program allowing innovative legal service delivery models. Members asked about bar passage score changes, loan repayment assistance, and the former Limited License Legal Technician program; Nevitt said the bar is monitoring other states and remains in dialogue with the court about paraprofessional licensing. Law school representatives from UW, Seattle University, and Gonzaga emphasized public service pipelines, financial barriers, and rural legal deserts, citing LRAPs, scholarships, stipends, clinics, and hybrid or regional programs designed to recruit and retain students in Washington. Seattle U highlighted its FlexJD and hybrid hub partnerships in underserved areas, while Gonzaga and UW reported substantial shares of graduates entering public service, though most still cluster in urban regions. The committee also heard from the Washington Association of Prosecuting Attorneys and the Office of Public Defense, both of which described severe recruitment and retention problems in rural counties, with vacancies, low applicant pools, and the need for higher salaries, housing help, internships, and loan support. The Office of Public Defense said its internship and fellowship program, created by SB 5780, has already placed interns in rural counties and produced some commitments to return after graduation. The Washington State Bar’s law clerk program was also presented as a pathway that helps people train locally and remain in their communities, including by supporting succession for aging solo practitioners. The committee then shifted to family law and guardianship issues. On Title 26 guardian ad litem practice, presenters from Northwest Justice Project and private family law practice said GALs can play an important role but that training, oversight, and consistency remain major concerns, especially in domestic violence cases. They described problems such as inadequate training, bias, inconsistent recommendations, high fees, and lack of accountability, and suggested stronger, standardized training, more use of mental health professionals for custody evaluations, and better oversight mechanisms. Members asked about county practices, including rotation systems for GAL appointments and whether King County’s family court assessors provide a useful model. The discussion then moved to minor guardianships under the Uniform Guardianship Act. A Superior Court judge said the 2021 changes increased the need for court visitors and appointed counsel, but courts are struggling to find qualified attorneys and visitors, especially in rural areas. A former commissioner said most of the bill under discussion was technical cleanup to align prior amendments, though it would add some fiscal burdens. Administrative Office of the Courts staff reported that the statewide reimbursement program for UGA implementation has repeatedly run out of money earlier each year, with minor guardianship costs making up most of the expense. The Office of Public Guardianship then described rapid growth in demand for adult guardianship and less restrictive alternatives, noting that referrals and caseloads have risen sharply, but that the office is constrained by a shortage of certified professional guardians and low compensation levels. Finally, the committee began an update on Blake implementation from the Office of Civil Legal Aid, which funds civil legal services related to the decision, before the transcript cut off.

Transcript Highlights:

• This bill seeks to modernize the Telecommunications Access System Act of 1991, also known as TASA, by
• The department can extend a license from 30 days to 90 days.
• This amendment authorizes licensed caregivers and representatives of licensed child caring agencies in
• a authorizes licensed caregivers and representatives of licensed child caring agencies and emergency
• This bill is entitled an act relating to driver's license education requirements.

Summary: The committee took up a series of bills and amendments, reporting several measures favorably. Early in the meeting, CS for CS for SB 344 modernizing the Telecommunications Access System Act was approved without opposition. The committee then adopted amendments and passed CS for SB 714 on non-opioid advanced directives, CS for SB 738 updating child care and early learning provider regulation, CS for SB 756 revising health insurance coverage for individuals with developmental disabilities, and CS for CS for SB 1356 creating a Florida Institute for Pediatric Rare Diseases at FSU and a newborn genetic testing pilot. Later, the committee also approved CS for SB 1624 on higher education, CS for SB 1626 on child welfare, SB 178 on an agronomic study for emerging crops, SB 1162 on water access facilities and boat ramp parking, CS for CS for SB 958 creating a type 1 diabetes early detection program, CS for CS for SB 1402 expanding dropout retrieval eligibility, SB 774 requiring electronic transmission of certain court orders, SB 1516 creating an international aerospace innovation fund, and SB 994 revising driver education requirements. Most of these bills were reported favorably by roll call votes after brief explanations and, in several cases, amendments. Several measures drew substantive discussion and public testimony. CS for CS for SB 1624 prompted questions about replacing “minority” with “underrepresented,” the role of the Florida Department of Education’s Commission for Independent Education in overseeing private religious postsecondary institutions, and whether the changes could affect access for students at institutions such as FAMU and FIU. CS for CS for SB 1070 on ECGs for student athletes received extensive emotional testimony from parents and advocates describing children lost to sudden cardiac arrest and urging mandatory screenings; the sponsor said the bill would be cost-neutral for districts by encouraging partnerships with screening groups. SB 994 on driver education was discussed as a vehicle to add distracted driving instruction, and the sponsor agreed to work on that issue. SB 774 was presented as a response to a fatal delay in transmitting an ex parte order, with support from clerks and sheriffs. The most extended debate centered on SB 810 on stormwater management systems. The sponsor said the bill, as amended, would narrow annual inspections to infrastructure identified as vulnerable by MS4 entities, but the Florida League of Cities, Florida Association of Counties, and Florida Stormwater Association warned the proposal could impose major costs and duplicate existing MS4 permit requirements. Committee members questioned the fiscal impact, whether the bill would apply to FDOT or other entities, and whether annual inspections were feasible for large and small jurisdictions alike. Despite those concerns, the sponsor and several members emphasized flood prevention and public safety, and the bill remained under discussion with the sponsor indicating continued willingness to work with stakeholders.

Transcript Highlights:

• This means that any applicant for a new driver's license and those whose licenses will renew must submit
• Through no fault of their own, too many of our seniors, despite having held a valid driver's license
• Despite having held a valid driver's license for decades, many are now unable to renew their driver's
• license due to delays and hardships.
• We understand social media platforms are the modern public square.

Summary: The Senate first adopted a motion to move the intent calendar deadline to 4 p.m. and then took up several bills by suspending the regular order of business. Senate Bill 2031, concerning removal of high fences around breeder deer release sites, passed after an amendment shortened the testing period from five years to three, tied visible identification requirements to the date Parks and Wildlife began requiring them, and made the bill effective immediately. Senate Bill 1490, a cleanup to adult charter high school funding, and Committee Substitute Senate Bill 2227, creating a process for delayed birth certificates and renamed the Charles E. Barton Act, both passed unanimously after floor amendments. Committee Substitute Senate Bill 1964, regulating artificial intelligence systems used by state agencies, also passed unanimously after the author described guardrails for high-risk AI and disclosure requirements. The Senate then considered Senate Bill 2877, which increases penalties for election fraud and related attempts; after debate over whether existing law already covers some conduct and whether the bill was necessary given the small number of convictions, it passed to engrossment and later final passage on a 21-10 vote. Committee Substitute Senate Bill 2658, on brackish groundwater production and study, passed after four amendments, including one giving water districts authority to stop production if monitoring shows harm to freshwater supplies or subsidence and another returning a portion of transported water revenue to districts. Committee Substitute Senate Bill 648, strengthening recording requirements for real property instruments to help prevent deed theft, also passed on a 26-4 vote. Other measures approved included Committee Substitute Senate Bill 401, making it easier for homeschool students to participate in UIL activities through local district opt-in/nearest-district participation rules; Committee Substitute Senate Bill 407, requiring health care facilities to honor conscience or religious vaccine exemptions for employees, despite extensive questioning about patient safety and immunocompromised patients; Committee Substitute Senate Bill 2117, creating a Texas Committee on Foreign Investment to review risky foreign acquisitions; Senate Bill 1718, adding the NRA annual meeting to the major events reimbursement program after a failed amendment seeking equal space for gun-control advocacy; Committee Substitute Senate Bill 1626, clarifying limits on censorship and interference with digital expression by social media platforms; and Senate Bill 2206, updating the state R&D franchise tax credit and related sales tax treatment, which passed 31-0. The chamber also debated Senate Bill 1395 on school health advisory councils. An initial amendment to restore voting seats for teachers and school employees failed, but a later amendment by Senator West added students back in an advisory, non-voting capacity. The Senate then handled routine motions, committee scheduling, first-reading referrals, and adjourned until April 29, with the session ending in memory of two constituents.

Transcript Highlights:

• And I know that as when, you know, on a driver's license, I had the option to put on there that I was
• So it wouldn't be on the driver's license first.
• I don't want to change driver's licenses. I don't want us to have to reissue all the titles.
• You know, just simply having it on your driver's license can do a lot for you when you go shopping or
• I'm Doctor Blake Harris, licensed clinical forensic psychologist.

Bills: HB101

Keywords: voter approval, local tax, disaster declaration, tax rate increases, community funding

Transcript Highlights:

• be issued a license in the member state. be issued a license in the member state.
• sovereignty and authority over licenses sovereignty and authority over licenses and<00:02:18.160
• a license has to have three qualities. a license has to have three qualities.
• And then any the licensing data.
• license more quickly.

Keywords: 1183, house

Summary: The committee took up House File 3635, the Interstate Teacher Mobility Compact, and House File 3638, which would make several changes to teacher licensing and related agency operations. Dr. Yolena Bailey walked through the compact, explaining that it would let teachers move more easily among member states while preserving Minnesota’s authority over licensing, data, discipline, and rulemaking. She emphasized that the compact must be adopted without changes to be effective and that it would still require eligible teachers to hold a qualifying license, pass a state background check, and meet any compensation-related documentation requirements. Testifiers from school administrator groups and Western Governors University supported both bills. They said Minnesota’s teacher shortages, especially in special education, make it difficult to fill classrooms and often force districts to rely on substitutes or leave positions vacant. Supporters said the compact would speed licensing for qualified out-of-state teachers without lowering standards, and that the Tier 2 change in HF 3638 would help candidates enrolled in out-of-state teacher prep programs, including working adults and rural students, access Minnesota licensure pathways. WGU said the Tier 2 barrier affects its students and partnerships, including special education pipeline efforts and Teach For America collaborations. For HF 3638, Bailey described operational changes that would move the voluntary pair professional credential to MDE, allow a data-sharing agreement with the Board of School Administrators, let the agency use forfeiture fees for IT needs, update mental health training language and rulemaking, expand Tier 2 eligibility to some out-of-state teacher prep students, and extend the timeline for an online licensing system project by two years. Members asked whether the compact would add requirements for Minnesota educators or reduce licensure quality; Bailey and Representative Hill said it would not add classroom requirements and would mainly reduce paperwork while maintaining standards. The bills were laid over for further consideration, with no vote taken in the excerpt.

Transcript Highlights:

• situation so that those guidelines are developed as they continue to enter into contracts with federally licensed
• contracts with federal. guidelines are developed as they continue to enter into contracts with federally licensed
• I want to build on a couple of things he talked about: the modernization of the workplace.
• This is just one of those modern realities where, as we are now talking about affordability time and
• Wine growers are allowed duplicate licenses, as are brewers, and this is an opportunity to continue to

Keywords: 987, senate, all

Transcript Highlights:

• discrimination, establishing a fair employment commission in the mid-1940s, the precursor to the modern
• , Establishing a Fair Employment Commission in the mid-1940s, the precursor to the modern Commission
• Mary Ellen Morris, and I'm the Executive Director of the LSP Association, which represents over 800 licensed
• Licensed site professionals, or LSPs, are scientists, engineers, and public health specialists licensed

Keywords: 995, all

Summary: The hearing opened with remarks from the co-chairs explaining committee procedures, testimony limits, submission instructions, and the new deadlines for acting on House and Senate bills. The committee then heard testimony on several bills related to agriculture, land use, environment, housing, transportation, and taxation, with legislators often taken out of turn. No votes were taken during the hearing. The first major topic was H. 3206, a bill to allow fossil fuel-free 529 college savings plans to qualify for the state tax deduction if MEFA does not offer a comparable option. Representative Steve Owens said the bill would not force MEFA or Fidelity to change existing plans, but would create a definition for fossil fuel-free funds and extend the deduction to qualifying out-of-state plans. The committee also heard strong local testimony on a Belmont home-rule petition, H. 3970, to change tax treatment for the Belmont Country Club under Chapter 61B. Belmont residents and officials argued the private golf course receives an unfair tax break that shifts costs to other taxpayers, while Senator Brownsberger and Representative Rogers supported the measure as a way to help the town recover revenue. Committee members asked about town meeting support, the club’s lack of payment in lieu of taxes, and the size of the tax savings. The committee next heard testimony on a vehicle miles traveled tax proposal, S. 1925, from Senator Barrett and economists Gilbert Metcalf and Christopher Knittel. They argued that declining gas-tax revenue and rising fuel efficiency, especially with electric vehicles, require a more stable transportation funding source; they also said a VMT tax could be designed to be revenue-neutral and mildly progressive, though members raised concerns about administration, fairness, EV disincentives, and the possibility of annual tax shocks. The largest block of testimony focused on the Ahead Act, H. 3194/S. 1973, which would double the deed excise fee and dedicate the new revenue to affordable housing and climate adaptation. Supporters from MACDC, MAPC, FICC, Boston Climate Action Network, CLF, 350 Mass, CHAPA, and a tenant advocate said the bill could generate about $300 million annually for housing production, vouchers, weatherization, resilience, and environmental justice communities, and that it links two urgent crises with a stable funding stream. The committee also heard testimony on the Conservation Land Tax Credit bills, H. 3147/S. 2083, which would raise the annual cap on the credit from $2 million to $5 million for three years and then sunset back down. Conservation groups and a landowner said the program has conserved thousands of acres and that the higher cap would reduce delays and help meet state conservation goals. Finally, the committee took testimony on the Fairness for Farm Workers bills, S. 2011/H. 3107 and S. 2012, which would extend overtime, minimum wage, breaks, and paid time off protections to farm workers and include a refundable tax credit to help farmers offset overtime costs. Senator Gomez and advocates described the bills as overdue civil rights and public health measures, citing low wages, long hours, dangerous conditions, and the racial history behind farm labor exclusions. The hearing also included testimony on H. 3240, a bill to give municipalities a local option vacancy tax on chronically vacant shopping malls, with the sponsor arguing it would help towns address blight, encourage redevelopment, and potentially create housing and tax revenue.

Transcript Highlights:

• By introducing an accessible and user-friendly online platform, HB 646 modernizes the meal application
• the meal application process modernizes the meal application process making<03:32:50.560> it<
• of drivers licenses for aliens temporary<07:03:19.478> residing<07:03:19.840> in<07:03
• until they have been granted license until they have been granted full<07:04:09.920> permanent
• <07:04:28.120> they from renewing a driver's license they from renewing a driver's license

Keywords: 1189, house, all

Transcript Highlights:

• Again, the modern census operations rely very much on in-office canvassing versus boots on the ground
• matched, especially because in the 2017 timeframe we were probably in our greatest growth spurt in the modern
• Because there are renters who may have requests for moving vans, dog licenses, what have you.
• Everything from, in my department, we use it for yard sale permits and even pet licenses.
• RMV several times a month will get someone registering to vote because they went and got a driver's license

Keywords: 995, all

Summary: The Senate Committee on the Census held a hearing on September 22, 2025 focused on preparations for the 2030 census, with an emphasis on Massachusetts’ role in building a complete address list and improving local participation in census-related address review programs. Chair Brownsberger and witnesses from the Secretary of the Commonwealth’s office, the UMass Donahue Institute, Watertown, and MassGIS described the importance of accurate address data for congressional apportionment, federal funding, and state and local planning. They also discussed the first major upcoming step, the Block Boundary Suggestion Project, and the later Local Update of Census Addresses (LUCA) process, both of which rely on municipalities reviewing and correcting census geography and address files. John Rosenberry of the Secretary of the Commonwealth’s office said outreach to cities and towns is beginning now, with a likely December start for the block boundary process based on the 2020 cycle. He stressed that local officials, clerks, building inspectors, housing authorities, and GIS staff should be engaged early, especially to capture new development and conversions created under the state’s housing policies. Susan Strait of UMass Donahue explained that LUCA allows local governments to compare their address lists with the Census Bureau’s master address file, and that Massachusetts had very high participation in 2020; she cited examples where local review added hidden or newly built housing units and noted that Boston later corrected a group-quarters undercount of about 6,000 students through a post-census review program. In response to questions, she clarified that those corrections affected annual estimates and funding formulas, but not the 2020 apportionment count. Watertown City Manager George Proakis described how local address review is complicated by accessory dwelling units, single-family to two-family conversions, and large multifamily projects, and urged continued state support for local governments doing this work. Dan Marrier of MassGIS then outlined the Massachusetts Master Address Database, explaining that it combines multiple sources, including E911, assessor, voter, and municipal data, to create a standardized residential address repository used for census preparation and other state functions. He said the database has helped improve census accuracy, including by updating more than one million Census Bureau address-point locations before 2020, and noted that local municipalities remain the final authority on addresses even as MassGIS standardizes and reconciles variants across the Commonwealth.

Transcript Highlights:

• and Government Efficiency, having had under consideration SB 1415 relating to insurance adjuster license
• and Government Efficiency, having had under consideration SB 1415 relating to insurance adjuster license
• we didn't have these private prisons, we'd be in big trouble because we don't have the facilities modern
• Most of these private prisons, by the way, have modern facilities.
• We've seen it: California license plates on buses busing protesters in.

Keywords: 1182, all

Transcript Highlights:

• Immediately thought of as a candidate for a certified nurse assistant, for possibly a licensed vocational
• pathways, there's always a need, I think, for more help there. still give the ASVAB or is there a modern
• That focus was on modernizing the production model for nurses, bachelor's degree level nurses and down
• I really only spoke to nurses' actual life experiences. license nurses when I was getting a medication
• down from what they're trained to do to make sure that they're covering the things that they're licensed

Keywords: 1184, house, all

Transcript Highlights:

• It strengthens oversight for high- and significant-hazard dams, establishes a 15-year licensing process
• , increases inspection requirements, modernizes design standards, and improves monitoring, record-keeping
• House Bill 6043 is a bill to amend an act to provide for the protection of children through the licensing

Keywords: 983, senate, all

Transcript Highlights:

• This bill is a cognate to the bill I presented earlier, which modernizes the birth injury fund.
• Senate Bill 764 relates to deferred disposition in a criminal case, license suspension, and driving while
• This conference report relates to deferred disposition in a criminal case, license suspension, driving

Keywords: March 14, 2026 - Regular Session Part 3, 976, house, all

Transcript Highlights:

• We have focused manufacturing, helping residents gain the technical skills needed for modern production
• I have no idea what it costs or what it means to license or to do franchising or what. Whatever.
• So happy to say, but that's our next step is our licensing and our. Franchise model.

Keywords: 988, house, all

Transcript Highlights:

• got home and I opened it, and it was all about how this young man was able to get his real estate license
• Two, a licensed doctor who can diagnose ectopic pregnancies and accurately determine gestational age
• is just medication This is just medication abortion: two FDA-approved pills dispensed through a licensed
• I mean, it's a 76-page omnibus bill, not a mere modernization or closing... ...a mere modernization or
• Now, the majority calls this modernizing the tax code, and I call it picking winners and losers with

Keywords: 981, all

Transcript Highlights:

• The committee on committees has met and and referred the following bills and resolutions to Licensing
• Senate Bill 237, an act relating to occupational license fees.
• Senate Bill 237, an act relating to Senate Bill 237, an act relating to occupational<01:54:46.000> license
• <01:54:47.360> Senator occupational license fees. Senator occupational license fees.
• Initiative Modernization Task Force. Initiative Modernization Task Force.

Keywords: 958, all

Summary: The Senate convened with prayer, the Pledge of Allegiance, roll call, and a declared quorum. The chamber excused an absent senator, approved the prior journal, received House communication that the House had passed HB 168, 185, 249, and 455 and requested concurrence, and heard committee reports advancing SB 37 and SB 214 from Agriculture, SB 157 and SB 189 with a committee substitute from Banking and Insurance, and SJR 54 with a committee substitute from Families and Children. The Senate also introduced SB 226 on pre-need burial contracts and SR 113 honoring Robert Connley Young. The main floor debate centered on SB 101, an act relating to children, which would require a mandatory 12-month expulsion for students in grades 6-12 who assault a school employee, with exceptions for certain students with disabilities under an IEP and for incidents involving provocation by a school employee. The bill also creates a mandatory reporting requirement for assaults and penalties for intentionally failing to report them. The sponsor argued the measure responds to widespread, underreported assaults on teachers, citing 25,000 reported incidents since 2021 and sharing testimony from a teacher whose career ended after repeated assaults. Supporters said the bill would improve school safety, accountability, and classroom control, while opponents argued it is too harsh for children, could permanently remove students from school, and should leave more discretion to principals and districts. After debate, the Senate adopted Senate Committee Substitute 1 for SB 101 and then proceeded to final passage. Several senators spoke for and against the bill during roll-call explanation, with supporters emphasizing teacher safety, parental responsibility, and consequences for repeat offenders, and opponents warning about lost educational opportunities and the need for second chances. The transcript cuts off during the roll call, but the chamber had already adopted the committee substitute and moved to vote on SB 101 as amended.

Transcript Highlights:

• They use modern techniques to avoid detection and collectively make tens to hundreds of fraud attempts
• They<00:09:38.880> use<00:09:39.120> modern<00:09:39.519> techniques<00:09:39.920
• > to<00:09:40.080> avoid They use modern techniques to avoid They use modern techniques
• And so, if you were a younger person, for instance, you don't necessarily have a driver's license.
• You were a younger person, for instance, you don't necessarily have a driver's license.

Keywords: 1183, house

Transcript Highlights:

• . $38,000 of which was to help with a campaign to increase the occupational license tax and to protect
• S conducts thorough and pervasive penetration testing on our hardware and software using the same modern
• c><00:56:52.000> using<00:56:52.319> the<00:56:52.559> same<00:56:52.880> modern
• our software using the same modern our software using the same modern security<00:56:53.680>
• ,<01:10:45.199> it vote, they they scan my license, it vote, they they scan my license, it

Keywords: Discussion of BR 25 (2026 RS) 04:15 Presentation on voting systems by ES&S 48:14 Presentation on voting systems by Hart InterCivic and Harp Enterprises 01:13:07, 958, all

Summary: The committee met, approved the October 21 minutes, and then took up BR 25 for the 2026 regular session, a proposal to prohibit the use of tax dollars and public resources to advocate for or against ballot questions, including constitutional amendments. Senator Rawlings and the other presenters argued the current law already bars such advocacy but lacks meaningful enforcement, citing the 2024 school choice amendment campaign and other examples where public officials and school systems allegedly used taxpayer-funded resources to influence voters. They said the bill would add civil and criminal penalties, while preserving First Amendment rights for public employees acting in their personal capacities. Much of the discussion focused on whether the bill should be limited to school districts or broadened to cover other public entities, and on how to define terms such as “advocating in impartial terms.” Members raised concerns about possible effects on county and city lobbying through groups like KLC and KCO, on legitimate factual explanations by public officials, and on whether the bill could unintentionally restrict needed representation for local governments. The sponsors said the measure was intended to be narrow, would be vetted further, and would not bar individuals from speaking on their own behalf. Several members suggested revisions. Representative Lockett asked that schools and school employees be specifically named, and suggested separating the lobbying restrictions from the ballot-measure provisions into different bills. Representative Layman questioned the meaning of the bill’s language and whether it would cover factual testimony by officials. Representative Heen asked about a Jefferson County example involving legal fees used to challenge petition signatures; counsel said that situation would likely be allowable under the bill as drafted, though some members thought it should be covered. No final vote was taken on BR 25 during this discussion.

Transcript Highlights:

• Modernizing Minnesota law to align with federal QM standards will ensure consumers are protected and
• Minnesota law to align with modernizing Minnesota law to align with Federal<00:08:13.960> quum
• There's a lot of other, um, but they have been granted a license to be able to offer products, and of
• There's a lot of other, um, but they have been granted a license to be able to offer products, and of
• There's a lot of other, um, but they have been granted a license to be able to offer products, and of

Bills: HF1865, HF2014, HF2028

Keywords: mortgage, qualified mortgage, QM, points and fees, conventional loan, consumer lending, home loan, residential real estate, lender fees, service charge, finance charge, closing costs, Minnesota Statutes 47.20, housing finance, borrower protections, cooperative apartment loan, contract for deed, real estate lending, foreclosure, notice requirements