Video & Transcript Research : 'side impact'
Page 15 of 500
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 5 Feb 9th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Transcript Highlights:
- Get y'all to look up on the south side.
- There's a social impact. There is a medical impact, and then there's a cost analysis.
- have a primarily financial impact or a social impact.
- have a primarily financial impact or a social impact.
- Let's just say that last year I ran a bill and it came back with a physical impact on it.
Bills:
HB2975, HB3405, HB3406, HB3728, HB3902, HB3977, SB397, HB1161, HB2938, HB2939, HB3306, HB3722, HB4113, HB4123, HB2293, HB3176, HB3545, HB3546
Keywords:
poultry waste, nutrient management, environmental regulations, agriculture, water quality, pollution prevention, best management practices, noxious weeds, poison hemlock, kudzu, landowner responsibilities, environmental control, public nuisance, eradication, burn bans, fire danger, drought conditions, emergency declaration, scrap metal, regulation
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Aug 25th, 2025
Texas House Floor Meeting
Transcript Highlights:
- Anchia speaks next, voicing his strong support and suggesting amendments that could enhance the bill's impact
- bill’s provisions for increasing funding for infrastructure projects, noting the positive economic impact
- Rates are set and what the financial impact will be.
- Have you thought about that at all in terms of the long-term impact on what happens with our cities and
- Wages that we pay in the competitive nature of those positions, this bill will have no impact on that
Keywords:
property tax, school funding, enrollment changes, inflation adjustment, tax rate notice, judicial administration, court reform, juvenile diversion, court security, mental health services, drug offenses, constitutional amendments, property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Aug 25th, 2025
Texas House Floor Meeting
Keywords:
property tax, school funding, enrollment changes, inflation adjustment, tax rate notice, judicial administration, court reform, juvenile diversion, court security, mental health services, drug offenses, constitutional amendments, property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support
TX
Texas 89th Regular
Press Conference: Senator Nathan Johnson Jul 30th, 2025
Texas Senate Floor Meeting
Transcript Highlights:
- The final thing that's different is that the timing isn't really on our side with this.
- Republicans and Democrats to come together because, as a neutral and as a veteran, it's not my job to take a side
- Have you talked with anyone on the House side about possibly implementing these in their proposals?
Keywords:
hemp regulation, consumable products, cannabinoids, occupational licenses, criminal offenses, SB 11, Texas attorney general, election crimes, election law enforcement, criminal prosecution, Election Code, Government Code Chapter 402, local prosecutors, county attorney, district attorney, grand jury, probable cause reports, state election offenses, voter fraud, election integrity
TX
Transcript Highlights:
- I don't know the specific side on the law. Maybe you can tell me.
- And lobbyists don't usually come in and only lobby and advocate one side.
- There are two or three different sides and versions from different lobbyists.
- So how on earth- Could you represent both sides of that coin when they're essentially a...
- I know which side our voters are on. That's all the data I need. I oppose this amendment.
Keywords:
hemp regulation, consumable products, cannabinoids, occupational licenses, criminal offenses, SB 11, Texas attorney general, election crimes, election law enforcement, criminal prosecution, Election Code, Government Code Chapter 402, local prosecutors, county attorney, district attorney, grand jury, probable cause reports, state election offenses, voter fraud, election integrity
TX
Transcript Highlights:
- The impact on farmers.
- So they can't talk out of both sides.
- And we're talking about things that have maybe a temporary impact. impact, but not the long-lasting impact
- So either way, my side or your side, we can sit here. day and debate that.
- I hear that statistic from, politically, from y'all side of the aisle all the time.
Keywords:
hemp regulation, consumable products, cannabinoids, occupational licenses, criminal offenses, SB 11, Texas attorney general, election crimes, election law enforcement, criminal prosecution, Election Code, Government Code Chapter 402, local prosecutors, county attorney, district attorney, grand jury, probable cause reports, state election offenses, voter fraud, election integrity
TX
Transcript Highlights:
- ability to serve the area, infrastructure and water resources in place, outstanding indebtedness, the impact
- on rates for remaining customers or the impact on the rates for future customers who are paying for
- Um, impact to the freshwater zones.
- Brackish zones explicitly have a process in place to deal with any negative impacts to water levels and
- projects can have, but other water projects may also have these impacts.
Bills:
HB 937, HB 2078, HB 2080, HB 3322, HB 3350, HB 4212, HB 4630, HB 4896, HB 4951, HB 5348, HB 5675, SB 565, SB 971, SB 1662, SB 2124
Keywords:
special districts, notice requirements, Water Code, government transparency, public meetings, meeting notice, transparency, public engagement, notice, elections, groundwater management, water conservation, joint planning, environmental impact, desired future conditions, groundwater, conservation district, environmental quality, regulatory review, water utility
TX
Transcript Highlights:
- on rates for remaining customers, or the impact on the rates for future customers — customers who are
- OK, and what is there in place to catch if that number was incorrect, or there did start to be impacts
- . consequences, any impacts to availability or to water quality.
- For complying with the law, especially when these projects impact businesses that use these tracts of
- Some of the impacts that reservoir projects can have may extend to other water projects as well.
Bills:
HB937, HB2078, HB2080, HB3322, HB3350, HB4212, HB4630, HB4896, HB4951, HB5348, HB5675, SB565, SB971, SB1662, SB2124
Keywords:
special districts, notice requirements, Water Code, government transparency, public meetings, meeting notice, transparency, public engagement, notice, elections, groundwater management, water conservation, joint planning, environmental impact, desired future conditions, groundwater, conservation district, environmental quality, regulatory review, water utility
TX
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
TX
Transcript Highlights:
- opportunity to provide testimony today regarding the importance of this legislation and its potential impact
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
TX
Transcript Highlights:
- Lastly, expenses would include land acquisition, planning and design costs, impact fees, permitting fees
- Finally, Senate Bill 208 offers a practical and impactful solution to a pressing need.
- maximize every public dollar by recycling repayments into new projects, multiplying the reach and impact
- And the first impact is clear.
- We've passed a bill off the floor yesterday about impact fees. What was the number? Okay. Was 1883?
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government met with a quorum and limited public testimony to two minutes per person. The committee heard Senate Bill 628 by Senator Zaffirini, which would clarify that counties may enter interlocal agreements with emergency service districts to administer and enforce county fire codes, including for multi-county ESDs in the committee substitute. Witnesses from Travis County ESD-11, the Travis County Fire Marshal’s Office, and a member of the public supported the bill as a way to reduce duplication, costs, and jurisdictional confusion. Public testimony was closed and the committee substitute was left pending.
The committee then heard several housing-related bills. Senate Bill 208 by Senator West would create a Workforce Housing Capital Investment Fund to provide zero-interest loans to nonprofit builders for workforce housing; Habitat for Humanity representatives, a Brownsville nonprofit developer, and housing advocates supported it as a way to finance infrastructure and land development for affordable homes. Senate Bill 2835 by Senator Johnson would allow cities to opt into single-stair apartment buildings for small-scale, multi-story housing; supporters said the design is safe and could expand housing supply, while the Texas APA expressed qualified opposition over code-process concerns and fire-safety questions. Both bills were left pending after testimony.
Additional bills heard included SB 1042 updating the Kimble County Hospital District’s enabling law; SB 1708, a committee substitute protecting familial property divisions from platting requirements; SB 2778 raising the ESD expenditure threshold requiring board approval from $2,000 to up to $50,000; SB 2608 expanding LIHTC eligibility for certain public housing projects; SB 3044 adding board representation for Marfa and Presidio on the Presidio County Underground Water Conservation District and adjusting an exemption; SB 2367 extending park board authority to Waller County; SB 2523 clarifying ETJ reduction procedures and owner opt-out rights; SB 2521 requiring death-certificate reporting to appraisal districts to help address squatting and homestead exemption issues; and SB 2477 easing office-to-residential conversions in larger cities. In each case, the bills were laid out, testimony was taken, and the measures were left pending subject to call of the chair. The committee then recessed until 15 to 30 minutes after adjournment.
TX
Transcript Highlights:
- Chairman, the equivalent is House Bill 23 on the House side that I believe Representative Cody Harris
- talking to us, working with us, and have carried over much of the work that we've done on the other side
- This amendment allowed for an impartial arbitrator or judge to hear the evidence from both sides before
- On the west side of I-45, the ESD—we did something at one time.
- On the west side of I-45, the ESD—we did something at one time.
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government considered and voted on several bills, adopting committee substitutes on Senate Bills 1237, 1708, 1844, 1454, 2520, and 2541. In each case, the committee substitute was explained as narrowing or clarifying the filed bill, and the committee voted to report the substitute version to the full Senate, usually with a recommendation that the filed bill not pass. The committee also recommended each of those measures for the local and uncontested calendar. SB 1237 concerned property tax exemption eligibility for charitable organizations; SB 1844 addressed annexation and disannexation limits tied to city services; SB 1454 clarified housing authority tax exemptions and agreements with districts; SB 2520 dealt with a school district tax ceiling comparison; and SB 2541 reduced the unused increment period from three years to two years.
The committee then heard extensive testimony on SB 2354, which would allow developers to hire qualified third-party professionals for plat review, permit review, and inspections if local governments are delayed. Supporters included affordable housing providers, builders, Pew Charitable Trusts, housing advocates, and legal groups, who said the bill would reduce permitting delays, lower costs, and help housing production. A Corpus Christi representative testified as neutral, asking for amendments to preserve city final inspection authority, document sharing, and floodplain enforcement. Urban counties opposed the bill as written, arguing it removed too much local oversight, though they acknowledged work on a committee substitute. SB 2354 was left pending.
The committee also heard SB 2703, which would clarify that condominiums are not subdivisions for local platting purposes. Builders and a land use attorney supported the bill, saying it would reduce confusion and duplicative regulation; the bill was left pending. SB 777, dealing with firefighter collective bargaining and impasse procedures, drew support from Austin and Texarkana firefighter representatives and the City of Austin, who said the committee substitute reflected stakeholder agreement and preserved voter-approved local procedures; it was left pending. SB 2965, concerning annexation and emergency service district response obligations, drew support from ESD and fire association witnesses who said it would prevent service gaps after annexation, and opposition from local officials who argued it gave unelected ESD boards too much power and lacked neutral review; it was also left pending. The committee then recessed subject to call of the chair.
TX
Transcript Highlights:
- Lastly, expenses would include land acquisition, planning and design costs, impact fees, permitting fees
- Finally, Senate Bill 208 offers a practical and impactful solution to a pressing need.
- And the first impact is clear. When students are in crisis, school spends more on staff...
- Decisions that directly impact Presidio County, specifically the City of Marfa and Presidio.
- We've passed a bill off the floor yesterday about impact fees. What was the number? Okay. Was 1883?
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government met with a quorum at the start, adopted a two-minute limit for public testimony, and heard a series of housing, local government, fire code, and district-governance bills. Several measures were laid out with committee substitutes, including SB 628 on county fire code administration through interlocal agreements with emergency service districts; SB 208 creating a Workforce Housing Capital Investment Fund for zero-interest loans to nonprofit builders; SB 2835 allowing cities to opt into single-stair apartment buildings; and SB 2477 easing office-to-residential conversions in certain cities. Other bills addressed ESD spending thresholds (SB 2778), hospital district updates (SB 1042), subdivision/platting issues (SB 1708), public housing tax credit eligibility (SB 2608), groundwater district representation for Marfa and Presidio (SB 3044), park board authority in Waller County (SB 2367), ETJ removal procedures (SB 2523), and reporting death certificates to appraisal districts to help address squatting and homestead issues (SB 2521).
Testimony was largely supportive on the housing bills. Supporters of SB 208, including Habitat for Humanity affiliates, a Brownsville nonprofit developer, Texans for Housing, and an educator, said the revolving fund would help nonprofit builders finance land, infrastructure, and development costs for affordable homes, especially for families earning 30% to 80% of area median income. SB 2835 drew support from architects, planners, and housing advocates who argued that single-stair buildings can be safe, more efficient, and better suited to missing-middle housing, though the Texas APA registered qualified opposition, saying the proposal bypasses the usual code-development process and may not be sufficiently studied. SB 2477 also received broad support from housing groups and policy organizations, who said office conversions could help address vacancy and housing shortages, though Corpus Christi raised a concern about fee recovery and local cost reimbursement.
The committee also heard support for SB 628 from a county fire marshal and an ESD representative, who said the bill would reduce duplicate fire-code enforcement and costs. SB 2778 was backed by a Bexar County ESD fire chief, who said the current $2,000 expenditure approval threshold is outdated and slows emergency purchases and repairs. SB 2608 was supported by the El Paso housing authority, which said adding certain Section 8 projects to the at-risk LIHTC set-aside would help renovate aging subsidized housing. SB 3044 was presented as a way to give Marfa and Presidio representation on the groundwater district board while preserving permitting authority. Each bill heard public testimony was left pending subject to the call of the chair, and the committee recessed to reconvene after the Senate adjourns.
TX
Texas 89th Regular
S/C on Disease Prevention & Women's & Children's Health Apr 17th, 2025
S/C on Disease Prevention & Women's & Children's Health
Transcript Highlights:
- Because really, it seems like you're doing impact. We do inpatient as well as PHP and IOP.
- And then you have a group on the other side that thinks it's 85% or even 100% biological.
- I tend to be more on this side; I’d be lying if I said otherwise.
- Does that impact their coverage? Any additional studies?
- Can I move to reconsider since I'm on the winning side? Well, I am too, so, yeah.
Keywords:
HB 231, Texas Water Code, TCEQ, permit exemption, dam, reservoir, erosion control, flood control, floodwater control, sediment control, watershed protection, Natural Resources Conservation Service, NRCS, Watershed Protection and Flood Prevention Act, local sponsor, water appropriation, small dam, water diversion, maintenance, rehabilitation
TX
Texas 89th Regular
S/C on Disease Prevention & Women's & Children's Health Apr 17th, 2025
S/C on Disease Prevention & Women's & Children's Health
Transcript Highlights:
- House Bill 231 offers a path to understanding and ending food deserts and the impact they have on vulnerable
- disparity, inflation, and the cost of living and healthcare, as well as the lack of transportation, all impact
- We won't know until we have accurate data about how food deserts impact the people who live in them.
- quantified prior to rolling out our Make Texas Healthy Again agenda. ...agenda so we can demonstrate the impact
- We're looking at how this impacts communities of color.
Keywords:
food access, food deserts, communities of color, health disparities, socioeconomic impact, nutritious food, health effects, socioeconomic disparities, legislative recommendations, nutrition, access to food, Medicaid, multisystemic therapy, healthcare, reimbursement, mental health services, education, funding, local control, school system
LA
Transcript Highlights:
- I have the broadband, great minds on either side of me here, so any questions, I really appreciate going
- Representative Landry continued describing neighborhood impacts from utility work.
- And the same—I mean, because if on the other side, as the prosecution, I guess— The case.
- , on the manufacturer side.
- And we talked about that a lot and had this robust discussion on the Senate side too.
Bills:
HB1163, HB1168, HR252, HR253, HCR103, HCR108, SB80, SB131, SB251, SB254, SB279, SB384, SB414, SB468, SB469, SB496
Keywords:
fireworks, retail sales, fire safety, legislation, holiday celebrations, construction standards, precast concrete, DOTD, building regulations, minimum requirements, public projects, private projects, consumer protection, credit card fees, cash transactions, rounding practices, transparency, low-income, economic impact, residential construction
HI
Transcript Highlights:
- If there's something that happens on our side, if there's a network failure, we will post a new notice
- , that happens on our side, that happens on our side, if<00:21:24.560>
there's <00:21:24.800 - So, the actual prohibitions are where shoreline hardening will impact beach resources.
- hardening will impact hardening will impact um<00:44:56.480>
beach <00:44:56.760>resources - And the top side, or a community organization, which is terrific.
Keywords:
conservation, endangered species, wildlife preservation, native birds, biodiversity, sanctuary, nonprofit, DLNR, agricultural district, land use, chapter 195D, chapter 205, chapter 42F, state funding, public purpose, habitat restoration, predator-free sanctuary, ecosystem restoration, Zealandia, wildlife refuge
Summary:
The Committee on Water and Land heard testimony on SB 5253 SD2 relating to conservation and SB 2401 relating to regional shoreline mitigation district, with the chair emphasizing short testimony limits and the need to finish before session. On SB 5253, DLNR said it stood on its written testimony and answered questions about the bill’s proposed nonprofit endangered species sanctuary. Members asked whether existing entities or agreements, such as land trusts, private landowners, and DLNR safe harbor agreements, could accomplish similar conservation goals without creating a new entity. DLNR said similar work already exists, but it was not aware of a comparable sanctuary model in the state. A member also questioned language suggesting for-profit businesses in the sanctuary, and DLNR said the intent appeared to be sales of outreach or similar materials, though it agreed that such activities could be handled by a nonprofit.
The bulk of the hearing focused on SB 2401, which would create a regional shoreline adaptation/mitigation framework. The Department of the Attorney General said it had concerns about inconsistent use of the terms “mitigation” and “adaptation,” warning of possible title-subject issues. DLNR said it was neutral on the terminology and more concerned with the substance, and noted that the bill would not waive permits; any plan would still require environmental review and applicable state and county permits. DLNR also supported OHA’s recommendation to consider impacts on Native Hawaiian traditional and customary practices during regional planning, and said the bill’s language on temporary shoreline protection measures could help address the gap between emergency permits and longer-term planning while avoiding a hardening-only approach.
The Office of Planning supported the regional planning concept but noted it is not a regulatory agency and would need to work with DLNR and the Land Board. OHA supported the bill’s planning-based approach but recommended amendments to require assessment of impacts on Native Hawaiian traditional and customary practices during plan development and to clarify that environmental review would still apply at the project level. Testifiers from the Ka‘anapali Steering Committee strongly supported the bill, saying it would provide a regional framework for ongoing erosion problems while preserving full regulatory authority and normal permitting, and they proposed amendments to standardize terminology, create a limited pathway for temporary shoreline protection, and address ownership and maintenance responsibilities. Members discussed the meaning of “mitigation” versus “adaptation,” the scope of shoreline hardening, and whether the bill would help the legislature take a broader, more holistic view of shoreline decisions. No votes or final actions were taken in the portion of the hearing provided.
AL
Alabama 2026 Regular Session
Alabama House Ways and Means Education Committee Mar 18th, 2026
Ways and Means Education
Transcript Highlights:
- <00:18:14.640>
And argue both sides of an argument. And argue both sides of an argument. - getting to argue both sides of an issue. getting to argue both sides of an issue.
- <00:23:59.120>
the financial aid and that impacted the financial aid and that impacted the - The last one um is a not impactful.
- coming out may impact what overtime bill coming out may impact what gets<00:34:50.879>
across
Bills:
HB527, HB563, HB580, HB579, SB190, HB15, HB390, HB527, HB563, HB580, HB579, SB190, HB15, HB390
Keywords:
liability, off-roading, parks, participant safety, risk management, SNAP, food assistance, public assistance, income standards, Department of Human Resources, eligibility, HB580, Alabama Healthy Schools Act, public schools, K-12, school nutrition, school meals, cafeteria, vending machines, fundraising sales
AL
Alabama 2026 Regular Session
Alabama House Ways and Means General Fund Committee Mar 18th, 2026
Ways and Means General Fund
Transcript Highlights:
- I have several, but my overriding one for me in terms of when I looked at the financial part, the impact
- an opportunity for eating healthier versus taking this particular ... ... the financial part, the impact
Bills:
HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB627
Keywords:
Jefferson County, building regulations, zoning, public health, building commissioner, permits, construction, land use, county tax, lodging tax, Henry County, transient accommodations, hospitality industry, local act, sheriff, sheriff's office, task force, abandoned property, stolen property, unclaimed property
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Wed Feb 18, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- the insurance side later.
- the insurance side later.
- In Hawaii, where schools, homes, and our agricultural fields exist side by side, that exposure is not
- In Hawaii, where schools, homes, and our agricultural fields exist side by side, that exposure is not
- agricultural fields exist side by side. agricultural fields exist side by side.
Bills:
HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513
Keywords:
lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification
Summary:
The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided.
The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments.
Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.