Video & Transcript Research : 'foreclosure surplus'
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LA
Louisiana 2026 Regular Session
House and Governmental Affairs May 12th, 2026
House and Governmental Affairs
Bills:
HCR74, HCR95, HB705, HB1048, SCR23, SCR31, SCR38, SB49, SB233, SB307, SB326, SB387, SB401, SB435, SB495
Keywords:
trade commission, international relations, Louisiana, United Kingdom, economic exchange, cultural exchange, infrastructure investment, sales tax, exemptions, credits, rebates, uniformity, legislative rules, fiscal report, contempt, legislature, disorderly conduct, bribery, arrest, legislative privilege
Summary:
The House and Governmental Affairs Committee met on May 12 with a quorum present and took up several measures. It first heard HCR 74, which would establish a Louisiana-United Kingdom Trade Commission modeled after the existing Louisiana-Ireland commission. The author said the commission would serve as an umbrella group to promote exchanges in trade, academics, financial services, economic development, and the arts, with no compensation for members. After brief questions and supportive testimony from a member familiar with the Ireland commission, the committee reported HCR 74 favorably.
The committee then considered SCR 38, which repeals Joint Rule No. 7 related to the Atchafalaya Basin Program Oversight Committee. The author explained that the repeal was tied to a separate study commission on Atchafalaya Basin water quality, aimed at addressing sediment buildup, stagnant hypoxia, and harm to the fishing industry. Members discussed sediment management and water quality concerns, and the committee adopted a technical amendment to the title before reporting the resolution favorably, as amended.
Finally, the committee began hearing Senate Bill 495 on campaign finance disclosures. The author described a series of changes, including raising the threshold for unitemized individual contributions to $200, adjusting when a PAC is considered to be participating in an election, extending the annual report deadline from February 28 to March 15, and allowing leadership PAC funds to cover replacement or repair of items damaged in connection with public office. The transcript cuts off during the bill presentation, so no final action on SB 495 is shown.
OK
Oklahoma 2026 Regular Session
Government Oversight REVISED: SB1771, SB1805 and SB1916 - Added Apr 14th, 2026 at 10:30 am
Government Oversight
Transcript Highlights:
- It authorizes sheriffs to be able to use surplus funds from sheriff's commissary accounts.
Bills:
SB1265, SB2154, SB1286, SB1365, SB1491, SB1525, SB1581, SB1775, SB1810, SB1884, SB2118, SB2174, SB1771, SB1805, SB1916
Keywords:
SB1365, Oklahoma Central Purchasing Act, procurement exemption, competitive bidding, state purchasing, Oklahoma Tourism and Recreation Department, tourism department, merchandise for resale, gift shops, lodges, golf pro shops, state parks, restaurant contracting, retail outlets, public procurement, purchasing flexibility, Title 74, emergency clause, presidential electors, vacancies
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Housing Jun 21st, 2026 at 01:00 pm
Joint Committee on Housing
Transcript Highlights:
- rooted communities, and our organization grew out of the displacement crisis in Chelsea, first with foreclosures
- During the 2008-2009 crash, market homes had eight times as many foreclosures as shared-equity homes,
- During the 2008-2009 crash, market homes had eight times as many foreclosures as shared equity homes
Summary:
The Joint Committee on Housing opened a hybrid hearing focused on housing production bills, with Chairs Julian Cyr and Rich Haggerty emphasizing Massachusetts’ housing shortage and the need to produce more than 200,000 units over the next decade. The committee then heard testimony on a wide range of proposals, including social housing, starter homes and the “missing middle,” accessory dwelling units (ADUs), single-stair residential buildings, permanent affordability homeownership, and housing for people with disabilities. Several witnesses framed the bills as tools to expand supply, lower costs, and address racial and generational wealth gaps.
Representative Connolly testified for H. 1478 on the Massachusetts Social Housing Program, describing publicly owned, mixed-income housing financed through a revolving loan fund. Senator Feeney testified for S. 989 on missing middle starter homes, arguing for zoning changes, incentives, and affordability tools to support smaller starter homes and duplexes, triplexes, and fourplexes. Multiple witnesses, including housing advocates, real estate representatives, and local officials, supported the ADU trust fund bill and the single-stair study bill, saying they would reduce barriers, support homeowners, and enable more family-sized and infill housing. Some witnesses opposed bills they said would weaken ADU reforms or add new restrictions, while others urged broader deregulation to speed production.
A major portion of the hearing focused on H. 1576/S. 1010, the Homes for Lasting Affordability bill, which would create a permanent affordability homeownership program for low- and moderate-income buyers and support small developments with long-term affordability restrictions. Testimony from community land trust leaders, legislators, and housing advocates emphasized that permanent affordability can preserve public investment, stabilize neighborhoods, and help families build wealth over generations. Senator Miranda and Representative Worrell tied the bill to closing the racial wealth gap and expanding access to homeownership for Black and Latino residents. The committee also heard testimony on S. 971, which would reform the Housing Development and Incentive Program to require more affordability in Gateway City projects.
The committee additionally heard from Senator Kennedy and disability advocates on S. 1004, which would strengthen the Alternative Housing Voucher Program for people with disabilities by codifying project-based vouchers and aligning the program more closely with other voucher systems. Witnesses described long waitlists and the lack of accessible, affordable units as major barriers that can lead to homelessness or unnecessary institutionalization. No votes were taken during the hearing; the session was devoted to testimony and questions from committee members.
MN
Minnesota 2025-2026 Regular Session
MN House passes HF2432, the judiciary, public safety, and corrections policy & finance bill. 4/25/25
Minnesota House Floor Meeting
Transcript Highlights:
- Representative West had a bill related to leftover funding in foreclosure actions, and there the sheriff's
- :01.199>
and <00:07:01.840>uh <00:07:02.000>there <00:07:02.319>the foreclosure - um actions and uh there the foreclosure um actions and uh there the sheriff's<00:07:03.199>
departments - <00:07:08.319>
um <00:07:08.800>were county bycounty foreclosures um were county bycounty - foreclosures um were left<00:07:09.360>
holding <00:07:09.919>you <00:07:10.080>know
TX
Transcript Highlights:
- We just finished handling a representative case representing some folks on a wrongful foreclosure that
- forceful detainer suit, and so forth, and we negotiated a settlement because it was a wrongful foreclosure
Keywords:
municipality, local government, Type A, Type B, Type C, change authority, emergency medical services, civil service status, municipal government, public safety, local government code, school funding, education, state budget, local control, equity, tenant legal services, eviction, low-income tenants, disability rights
FL
Transcript Highlights:
- We think that we've had other situations where we've been dealt difficult circumstances: the foreclosure
- crisis, where we were singled out; our state was singled out for not handling foreclosure in an appropriate
Summary:
The Judiciary Committee met with a quorum present and heard several Office of the State Courts Administrator presentations. Judge Mark Mahan discussed the impact of 2023’s HB 837 litigation reforms on court operations, explaining that the law’s changes to comparative negligence, filing deadlines, collateral source evidence, premises liability, bad faith claims, attorney’s fees, and offer-of-judgment rules triggered a major March 2023 civil filing surge. He described how filings tripled statewide, with especially large increases in auto negligence and premises liability cases, and outlined how circuits responded through active case management, added resources, and workflow changes. Members asked whether the bill’s immediate effective date contributed to the surge and whether clearance rates would normalize over time; Judge Mahan said the court system viewed its response as a success and expected rates to settle as the backlog is worked through.
The committee then received a presentation on problem-solving courts from Jennifer Grandal and Judge Nina Richardson. Grandal reviewed Florida’s drug courts, mental health courts, veterans courts, dependency and early childhood courts, noting statewide best-practice standards, annual reporting requirements, funding sources, and data collection systems. Judge Richardson gave a local perspective on treatment courts, emphasizing that they address underlying mental health and substance use issues, rely on judicial supervision and sanctions as well as incentives, and help participants achieve recovery and avoid reoffending. She said the programs are accountable, transparent, and effective, and thanked the Legislature for continued support.
Finally, Judge Rachel Nordby and Eric McClure outlined the judicial branch’s legislative agenda. Nordby summarized the Supreme Court workgroup’s recommendations to expand Florida’s vexatious litigant law, including broader coverage, fewer qualifying adverse cases, a longer lookback period, and a public records exemption for stricken defamatory or sham material. McClure then highlighted additional agenda items: modernizing the duty-judge statute, expanding senior management retirement eligibility, authorizing additional judgeships based on workload studies, removing the statutory cap on court-ordered nonbinding arbitration compensation, protecting appellate clerks’ personal information, allowing alternative authentication for certain judicial notarizations, and creating a hearsay exception for guardian ad litem reports and testimony. No votes were taken, and the committee adjourned after member introductions and staff introductions.
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:
- 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.
- So usually... ...I think it can actually take place after the sale, after the foreclosure has been completed
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.
TX
Transcript Highlights:
- I think section one... 18.0 to a three is too broad, and I think it's surplus.
- continued to struggle financially trying to get the property taxes back down, and we were at risk of foreclosure
- We would undoubtedly have lost property to foreclosure.
- And domestically on excess surplus lines and primary, it happened all the time where a motor carrier
- state of Texas on this stuff in the Lloyd's market in London, in Bermuda, and domestically on excess surplus
Bills:
HB4011, HB2680, HB4325, HB4327, HB4944, HB1761, HB4688, HB3453, HB40, HB1707, HB4749, HB2322, HB3647, HB4139, HB4081, HB2203, HB2100, HB4170, HB3104, HB4623, HB40
Keywords:
partition, heirs' property, real estate, co-ownership, family property, non-heir cotenant, right of first refusal, pilot services, liability limitation, maritime commerce, Matagorda Bay, Lavaca Bay, transportation code, maritime industry, civil liability, barratry, penalties, legal actions, damages, wrongful death
TX
Transcript Highlights:
- you might consider ways—and we've seen this in both talking to consumers and agents—to look at the surplus
- We're seeing more and more people moving into surplus lines, which indicates to us that they're having
- surplus of more than $1.2 trillion in reserves. ...unprecedented level of policyholder surplus of more
- That's garnering double-digit returns on revenue and surplus.
- It is something that figures into the availability of surplus and the solvency of our companies, which
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Ways and Means Jun 21st, 2026 at 11:00 am
Joint Committee on Ways and Means
Transcript Highlights:
- Alongside House 2, we ...filed a supplemental budget bill to spend $1.15 billion in surplus Fair Share
- done last year and the one that we filed alongside House 2 this year, we're spending some of the surplus
- Everything from utilizing surplus land to expediting permitting, which brought down state-level environmental
- And we're continuing to take on predatory financial products that put people's homes at risk for foreclosure
Summary:
The joint budget hearing opened the FY27 budget process with remarks from the Senate and House Ways and Means chairs, who described the fiscal outlook as challenging because of slow revenue growth, rising health care and other costs, and uncertainty from federal policy changes. Governor Healey and Secretary of Administration and Finance Matthew Gorzkowicz then presented House 2, a $62.8 billion budget that they said grows by about 1% and does not raise taxes or fees. They emphasized affordability, fiscal discipline, protection of core services, and continued investment in education, transportation, housing, child care, health care, and public safety. The administration also discussed a separate bill to delay and phase in certain federal tax-code changes from the so-called OB3 law, especially research and experimental expense provisions, to reduce immediate budget impacts and preserve competitiveness.
A major portion of the hearing focused on education and municipal aid. The administration said House 2 provides about $7.6 billion for Chapter 70 aid, fully funds the final year of the Student Opportunity Act, increases special education circuit breaker funding, and raises rural school aid. Senators and representatives from both parties raised concerns that Chapter 70 and other aid formulas are not equitable for small, rural, and low-wealth communities and are not keeping pace with inflation, and several called for broader review of the formula and related funding streams. The governor and secretary said they are open to further discussion, pointed to additional support through rural aid, special education, transportation reimbursements, and minimum aid, and said total Student Opportunity Act investment would reach about $2.1 billion over the life of the law.
Transportation, housing, and fair share spending were also central topics. The administration said fair share revenues are being used holistically, with education-heavy spending in the operating budget and transportation-heavy spending in the supplemental budget, and estimated the overall split to date at roughly 57% education and 43% transportation. They highlighted MBTA stabilization, regional transit authority support, microtransit, fare-free regional transit, and bridge and commuter rail investments, while noting the MBTA remains a major fiscal concern. On housing, the governor stressed production, permitting reform, ADUs, down-payment assistance, and support for public housing authorities, while lawmakers pressed for more funding for local housing authorities and for ways to address out-migration, energy costs, and affordability. The governor also said the administration will not withhold fire safety grants from communities over MBTA Communities Act noncompliance and will handle such issues case by case. No votes were taken at the hearing; it was an informational presentation and question-and-answer session.
CA
California 2025-2026 Regular Session
Assembly Floor Session May 26th, 2026
California House Floor Meeting
Transcript Highlights:
- rise to present AB 1957, which protects homeowners from losing their hard-earned equity during the foreclosure
- To present AB 1957, which protects homeowners from losing their hard-earned equity during the foreclosure
- Under current law, certain eligible bidders are allowed to submit bids after a foreclosure auction before
- When that happens, homeowners can lose equity that should be returned to them after the foreclosure sale
- When that happens, homeowners can lose equity that should be returned to them after the foreclosure sale
Summary:
The Assembly convened, established a quorum, and proceeded through a large House of Origin floor file, with the Speaker repeatedly urging members to be at their desks and keep support bills brief. Early actions included dispensing with the journal, re-referring AB 2285 to the Banking and Finance Committee, and then taking up dozens of third-reading items, with many bills passed by voice or recorded vote and others passed temporarily or retained on file.
The floor debated and passed a wide range of measures on land use, housing, labor, public safety, health care, utilities, taxation, and consumer protection. Among the bills approved were measures on land surveyor review (AB 1933), nurse midwife access for pregnant and postpartum patients (AB 1696), historic-district transit zoning flexibility (AB 2415), EV charging infrastructure fees and timelines (AB 1820), foreclosure bidding protections (AB 1957), tribal cannabis commerce (AB 2506), outdoor advertising permitting (AB 2024), commercial building permit timelines and third-party plan checkers (AB 2418), DUI penalties (AB 1685 and AB 1687), utility rate transparency (AB 1715), CalWORKs work-penalty changes (AB 1755), dynamic electricity rates (AB 1787), interior designer licensure (AB 1796), compost labeling and contamination rules (AB 1812), modular housing standardization (AB 1815), small claims limits for businesses (AB 1827), Native American Day as a paid state holiday (AB 1841), hospital staffing and maternity access bills (AB 1868 and AB 1882), protective orders tied to release dates (AB 1889), and a series of public health, missing persons, and teacher credentialing measures later in the file.
Several high-profile bills drew extended debate. AB 2624, expanding Safe at Home privacy protections to immigrant service providers, prompted sharp disagreement over free speech and alleged limits on online posting, but supporters said it protected workers facing threats and doxing; it ultimately passed 49-19. AB 2023, creating a framework for regulating AI chatbots used by children, was framed as a child-safety measure after testimony about chatbot-related harms and suicide risks, and passed 58-8. Other notable votes included AB 2208 on Medi-Cal protections against federal cuts, AB 2299 on CalFresh/SNAP losses, AB 2115 apologizing to California Native peoples for historic state harms, and AB 2311 on public hospital physician employment; the transcript ends as the Assembly continues working through the remaining file.
CA
California 2025-2026 Regular Session
Assembly Floor Session May 26th, 2026
California House Floor Meeting
Transcript Highlights:
- rise to present AB 1957, which protects homeowners from losing their hard-earned equity during the foreclosure
- rise to present AB 1957, which protects homeowners from losing their hard-earned equity during the foreclosure
- Under current law, certain eligible bidders are allowed to submit bids after a foreclosure auction before
- When that happens, homeowners can lose equity that should be returned to them after the foreclosure sale
- When that happens, homeowners can lose equity that should be returned to them after the foreclosure sale
MN
Minnesota 2025 1st Special Session
Conference Committee on HF2432 5/7/25
Transcript Highlights:
- this article on pages R1, R3 to R8, and R9 to R11 make changes to the redemption process for a foreclosure
- three sections in this article on R1 to R3 and R8 are identical and govern the postponement of a foreclosure
- sale in a judicial foreclosure.
- West, Senate File 2338, Kruan Legal Aid, on foreclosures.
MN
Minnesota 2025 1st Special Session
House Housing Finance and Policy Committee 4/2/25
Housing Finance and Policy
Transcript Highlights:
- I've seen a communication from a law firm about determining who is a good candidate for foreclosure based
- This law firm also has their own foreclosure department and their own debt collection department.
- I've seen a communication from a law firm about determining who is a good candidate for foreclosure based
- This law firm also has their own foreclosure department and their own debt collection department.
FL
Florida 2025 Regular Session
April 10, 2025 - 08:30 AM
Transcript Highlights:
- I've worked in the space of having to provide notice, whether it's foreclosures, situations like this
- I've worked in the space of having to provide notice, whether it's foreclosures, situations like this
Summary:
The Civil Justice and Claims Subcommittee heard and voted on four bills. HB 587 on self-storage spaces would let rental agreements include an alternate contact person and allow default notices to be published online instead of only in newspapers, while keeping existing notice timelines and servicemember protections. Newspaper and press witnesses opposed the online-notice change, arguing it could reduce public reach and transparency, especially in rural areas; the sponsor said newspapers could still be used and the bill was only adding another option. The committee adopted an amendment changing the effective date to October 1, 2025, and then reported the bill favorably 12-2.
HB 6033 would repeal the Florida Labor Pool Act. The sponsor argued the act duplicates other state and federal protections, while opponents said it contains unique safeguards for day laborers, including limits on fees, transportation charges, and deductions, and a private right of action. Testimony from labor advocates and workers warned repeal would reduce protections for vulnerable workers; the sponsor and supporters said other laws already cover the issues. The committee reported the bill favorably 11-3.
HB 897, dealing with timeshare plan management, was presented as a clarification of conflicts created by recent condominium legislation and would require faster records responses, more disclosure of contracts, and clearer remedies for mismanagement. Support came from industry groups, and the bill passed unanimously, 14-0. The final measure, PCS for HB 1385, created a civil remedy for parental abduction or unlawful withholding of a child in violation of a timesharing order. Family law attorneys opposed it over concerns about added litigation, child involvement, and overlap with existing remedies, while the sponsors and supporters said it would provide needed deterrence and compensation in serious cases. The committee adopted the PCS and reported it favorably 13-0.
TX
Transcript Highlights:
- Some folks on a wrongful foreclosure that ended up subsequently uh in a uh uh eviction suit, forceful
- detainer suit, and so forth, and we negotiated a settlement because it was a wrongful foreclosure, but
Bills:
HB303
TX
Texas 89th 2nd C.S.
Trade, Workforce & Economic Development Mar 19th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- If the tenant does not respond, we begin the foreclosure process as defined by the Texas Property Code
- The foreclosure process is not intended to make a profit, and even though the number of bidders has substantially
Bills:
HB 186
Keywords:
public funds, lobbying activities, political subdivisions, government expenditure, transparency, local government, political subdivision, county, city, municipality, special district, taxpayer-funded lobbying, lobbying restriction, registered lobbyist, government association, county association dues, Texas Legislature, injunctive relief, attorney's fees, Chapter 556
TX
Texas 89th Regular
Trade, Workforce & Economic Development Mar 19th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- If the tenant does not respond, we begin the foreclosure process as defined by the text.
- The foreclosure process is not intended to make a profit.
Keywords:
social media, children, account verification, data privacy, parental control, property owners' association, residential watering restrictions, vegetation, fine limitations, drought, technology, innovation, economic development, grants, Texas Economic Development, business funding, HB 1395, private passenger vehicle rental, car rental, vehicle rental
CA
California 2025-2026 Regular Session
Senate Energy, Utilities and Communications Committee May 12th, 2026
Energy, Utilities and Communications
MN
Minnesota 2025 1st Special Session
House Commerce Finance and Policy Committee 3/11/25
Commerce Finance and Policy
Transcript Highlights:
- :49.320>
the a lot of people were caught up in the a lot of people were caught up in the Foreclosure - 50.480>
I <00:13:50.600>can't <00:13:50.800>remember <00:13:51.639>this Foreclosure - crisis I can't remember this Foreclosure crisis I can't remember this is<00:13:51.959>
back <00 - The division has returned $239,000 to eight homeowners who were caught in an alleged foreclosure rescue
- The division has returned $239,000 to eight homeowners who were caught in an alleged foreclosure rescue