Video & Transcript Research : 'Chapter 45'
Page 168 of 500
NH
Transcript Highlights:
- There were<00:45:02.240>
like <00:45:02.560>16 <00:45:03.440>things <00:45:03.760 - >
and <00:45:09.280>I <00:45:09.520>just <00:45:09.680>you <00:45:09.839>< - >
that <00:45:10.800>times <00:45:11.200>had <00:45:11.359>changed <00:45: - :45:14.560>
in <00:45:14.800>a <00:45:15.040>lot <00:45:15.119>of <00:45:15.280 - >
I'm <00:45:19.839>not <00:45:19.920>sure <00:45:20.079>if <00:45:20.160>
FL
Florida 2026 5th Special Session
Banking and Insurance Jan 13th, 2026
Transcript Highlights:
- This bill creates a new section in chapters 494 and 560, Florida Statutes, to require a licensed mortgage
- The proposal here seeks to increase the deadline to 45 days.
- clarifies current law that repossessions and deficiency claims made in accordance with part one of Chapter
Summary:
The Committee on Banking and Insurance met with a quorum present and took up several bills, beginning with SB 834 on health care sharing ministries and insurance agents. Senator Yarbrough presented the bill to repeal a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing consumer protections; opponents said the bill was unnecessary and could increase confusion or misuse of agents and brokers. The committee adopted a title amendment and then reported the bill favorably after debate, with Senator Pizzo raising concerns about consumer reliance and lack of guaranteed coverage.
The committee then approved SB 642 on foreign and alien bail bond insurers, SB 394 on reinsurance intermediary managers, and SB 266 on public adjuster contracts. SB 266 would let vulnerable adults rescind public adjuster contracts at any time without penalty; it drew support from consumer and industry groups, with some discussion about estimates and claim work product. The committee also passed SB 832 on residential property insurance transparency, which requires rate transparency reports and a consumer resource center at OIR, and adds a provision excluding land value from homeowners coverage calculations in most cases. Testimony on SB 832 was generally supportive of the transparency goal, though insurers said some of the required cost breakdowns may be difficult to produce as written.
The committee next considered SB 1028 on Citizens Property Insurance Corporation, which would create a commercial lines clearinghouse to move eligible policyholders into the private market and reduce Citizens’ commercial exposure. Supporters said it would lower taxpayer risk and improve competition; a speaker suggested additional changes to deductibles, water-damage caps, and repair practices. The bill was reported favorably after a delete-all amendment and supportive debate from Senator Boyd. Finally, the committee passed SB 540 on the Office of Financial Regulation, which adds cybersecurity requirements for certain licensees, updates oversight of investment advisers and money service businesses, adjusts some charter and meeting rules for financial institutions and credit unions, and includes amendments clarifying repossession/deficiency claims, family office exemptions, and virtual credit union meetings. The meeting ended with all of the considered bills reported favorably and the committee adjourned.
FL
Transcript Highlights:
- This bill creates a new section in chapters 494 and 560, Florida Statutes, to require a licensed mortgage
- The proposal here seeks to increase the deadline to 45 days.
- clarifies current law that repossessions and deficiency claims made in accordance with part one of Chapter
Keywords:
public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance
Summary:
The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably.
The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written.
Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.
CA
California 2025-2026 Regular Session
Assembly Floor Session Mar 10th, 2025
California House Floor Meeting
Transcript Highlights:
- Crowder is the Executive Director of the Contra Costa Chapter of the National Alliance on Mental Illness
- , the largest advocate of the Contra Costa chapter of the National Alliance on Mental Illness, the largest
- From Assembly District 45 is Unis Abel, escorted by Assembly Member Ramos.
Summary:
The Assembly convened after a quorum call and prayer, then dispensed with the reading of the prior journal and handled routine motions, including re-referring AB 432 and AB 564 to committees. The main item of business was House Resolution 14, proclaiming March 2025 as Women’s History Month. Majority Leader Aguiar-Curry opened on the resolution, and members from the LGBTQ, Native American, Asian American Pacific Islander, Black, Latino, Jewish, and other caucuses spoke in support, emphasizing women’s historical contributions, ongoing inequities, and the importance of representation and parity in public life. Assemblymember DeMaio also supported the resolution while urging attention to girls’ sports. The resolution was adopted by voice vote after 78 coauthors were added.
The chamber then held its annual California Women of the Year ceremony, with Aguiar-Curry and other members recognizing honorees from across Assembly districts for leadership in education, health care, public service, advocacy, business, and community work. The lengthy roll call highlighted a broad range of women’s accomplishments and community impact. Guest introductions followed, including Sacramento District Attorney Tien Ho, VSP Vision Care executives celebrating the company’s 70th anniversary, and EMTs and ambulance support staff being honored by the California Ambulance Association.
The Assembly also took up the second-day consent calendar, which was adopted 71-0. Assemblymember Schultz then delivered an adjournment in memory of Barbara Beckley, founding member and artistic director emerita of the Colony Theatre Company, praising her contributions to Los Angeles theater and the arts. The House then adjourned until Thursday, March 13 at 9 a.m., with a Revenue and Taxation Committee hearing scheduled upon adjournment.
FL
Florida 2025 Regular Session
Judiciary Mar 4th, 2025
Transcript Highlights:
- I'm here talking to you today about attempted murder from one surgeon who fail to recognize and 45 staple
- This creates a conflict with the allowed recovery of economic damages provided for in Chapter 7, 6, 8
- Chris Nuland, Florida, Chapter American College of Physicians is waiving against Mark telling all Assurance
NH
New Hampshire 2025 Regular Session
House Finance Division II (03/24/2025)
Transcript Highlights:
- 45:38.960>
just <00:45:39.119>the <00:45:39.280>kind <00:45:39.359>of 72 - It's in the<00:45:41.280>
governor's <00:45:41.920>uh HB2.<00:45:46.480>So <00:45 - :46.720>
I'll <00:45:46.880>look <00:45:47.040>for <00:45:47.119>a <00:45: - <01:45:03.360>
I <01:45:03.679>think <01:45:03.760>that <01:45:04.080>there's - 45:29.279>
of <03:45:29.439>it, <03:45:29.600>but <03:45:29.840>that <03:45
Summary:
The committee met with Lottery Director Charlie McIntyre and Charitable Gaming Chief Compliance Officer Kulie Aoyo to review proposed changes in HB 2 and related amendments affecting video lottery terminals, historic horse racing, charitable gaming, and scratch tickets. McIntyre said the late-arriving amendment made revenue estimates difficult, especially because the bill would allow operators to decide when to convert from HHR to VLTs and would change the floor-space rules. He explained that the existing 70/30 floor-space split between machines and table games was negotiated to protect charity revenue, and warned that moving to a 90/10 split could reduce charity revenue, potentially by as much as $17 million, while also changing the character of the facilities. Committee members discussed whether to keep the 70/30 split, and McIntyre said he could provide updated estimates later that day, including net impacts after any offsetting gains or losses under current law.
Members also asked about the governor’s proposed operator share versus the Sweeney amendment’s higher operator share. McIntyre said the governor’s 45% figure was based on his own estimate and on comparable rates in other states, and he supported it as a way to maximize revenue for the state and charities. He also described a change to high-stakes tournaments: after speaking with Rep. Sweeney, he said the amendment was clarified to apply only to those tournaments and would lower the house take from 10% to 5% to encourage participation in rare, high-buy-in events. The committee also discussed a separate proposal to raise the maximum scratch ticket price from $30 to $50; McIntyre said the change would take time to implement, would likely increase net state revenue by about $1 million in year two, and was consistent with pricing in neighboring states such as Massachusetts and Connecticut.
Additional questions covered sports betting and a separate Kino-related estimate. McIntyre said March Madness is the busiest period for sports betting and that the state’s sports betting revenue has exceeded initial expectations. He also said he had estimated that removing a municipal-vote restriction for Kino could cost about $12 million total, with $2 million in the first year and $10 million thereafter. No formal votes were taken during the discussion; the chair indicated the committee would revisit the VLT amendment and other sections later, and McIntyre agreed to send updated revenue estimates to committee members.
CA
California 2025-2026 Regular Session
Assembly Privacy and Consumer Protection Committee Apr 22nd, 2025
Transcript Highlights:
- And then maybe it got to 45 minutes after she's gone, and I'm watching them.
- And then maybe it got to 45 minutes after she's gone, and I'm watching them.
- So, AB 45. All right. AB 45. Let me just get my... Hi. Welcome home. Nice to see you too.
- Thank you to the chair and members of the committee for discussing AB 45 today.
- Item number 13, AB 45 by Assembly Member Bauer-Kahan.
Summary:
The committee first heard AB 56, which would require social media platforms to display a warning label about potential mental health harms from prolonged use, with amendments shortening the initial warning and allowing immediate access to the platform. The author and supporters, including a parent who lost a daughter to suicide and a therapist, argued that social media contributes to teen anxiety, self-harm, and other harms and that families need clearer public health information. Opponents from tech and civil liberties groups argued the bill would be ineffective, burdensome, and likely unconstitutional, saying it would create warning fatigue and should be replaced by more targeted tools and digital literacy measures. Several members discussed emergency access concerns, language access, and whether the warning should be more actionable; the bill was moved on a 9-0 vote to the Judiciary Committee.
The committee then took up AB 358, which would amend CalECPA to allow law enforcement, with the victim’s consent, to inspect certain abandoned tracking or surveillance devices found in a victim’s home, vehicle, or personal property without first obtaining a warrant. The author and a San Diego prosecutor said the bill is narrowly tailored to devices used solely for spying and is intended to help stalking and domestic violence survivors act quickly before evidence is lost. Opponents from EFF and the ACLU warned the bill would weaken warrant protections, create a loophole around CalECPA, and reduce transparency and accountability. Members debated Fourth Amendment issues, abandonment, and the practical need for rapid access; the bill passed the committee on a 9-0 vote to Appropriations.
The committee also heard AB 1137, which builds on last year’s CSAM reporting law by allowing any user to report child sexual abuse material, requiring clearer reporting mechanisms, adding human review in some cases, and mandating third-party audits and public reporting. Supporters, including survivor advocates and a parent of a child victim, said the bill would reduce the burden on survivors and improve removal of abusive content. Tech industry opponents said they support the goal but objected to the human-review mandate, public audit disclosures, and enforcement provisions, arguing they could create security risks and compliance burdens. Members generally supported the bill’s intent but raised questions about audit frequency and human review; the bill was moved on call with seven votes at the time of the transcript.
HI
Hawaii 2025 Regular Session
FIN/WAM Joint Info Briefing - Tue Jan 21, 2025 @ 1:00 PM HST
Hawaii House Floor Meeting
Transcript Highlights:
- 00:45:30.800>
the <00:45:30.960>third <00:45:31.359>was <00:45:32.240>whether - >
I <00:45:33.839>can't <00:45:33.960>believe <00:45:34.160>I <00:45:34.240 - >
I <00:45:39.960>get <00:45:40.079>some <00:45:40.359>water <00:45:40.599 - :45:45.160>
I <00:45:45.280>rely <00:45:45.559>on <00:45:45.680>is <00:45: - >
take <00:45:54.920>a <00:45:55.079>recess <00:45:55.359>to <00:45:55.760
NH
New Hampshire 2025 Regular Session
House Judiciary (01/29/2025)
Transcript Highlights:
- >
I <00:45:48.920>do <00:45:49.079>not <00:45:49.359>believe <00:45:49.839 - >
uh <00:45:53.319>House <00:45:53.559>Bill <00:45:53.800>199 <00:45:54.440 - :45:37.680>
yeah <02:45:37.800>so <02:45:38.120>I <02:45:38.640>I <02:45:38.880 - >
I <02:45:39.080>guess <02:45:40.479>sure <02:45:41.479>do <02:45:41.680> - ><02:45:46.800>
now <02:45:47.560>until <02:45:47.920>we <02:45:48.600>adopt<
Summary:
The committee first heard House Bill 199, which would extend the statute of limitations for civil actions seeking damages from PFAS contamination from six years to 20 years. The prime sponsor and other supporters argued that PFAS contamination in southern New Hampshire has long-term and often delayed health and property impacts, making the current six-year period too short for victims to discover harm, connect it to exposure, and seek relief. Supporters described contamination in places such as Merrimack and surrounding communities, cited health concerns including cancer, developmental issues, and other illnesses, and said a longer period would better preserve legal rights while still requiring proof of causation. The Department of Environmental Services said it was not taking a position but acknowledged the contamination and ongoing work to address it. The Business and Industry Association opposed the bill, arguing that evidence becomes stale over time, memories and documents fade, and a longer window would make it harder to determine causation when other exposures or intervening factors may be involved.
Committee members questioned both sides about causation, the difficulty of proving PFAS-related illness, and whether a 20-year period was necessary if a plaintiff already knows of the injury and its source. Supporters responded that PFAS effects can emerge slowly, that scientific understanding continues to develop, and that current knowledge is still incomplete. Opponents said the existing discovery rule already starts the clock when harm and causal connection are known, and that extending the period would reduce clarity and fairness in litigation. After testimony and questions, the chair closed the hearing on HB 199.
The committee then opened House Bill 268 FN, which was described as a technical measure to confirm that the Board of Tax and Land Appeals may hold hearings in its Concord hearing rooms. The sponsor indicated the bill reflects current practice and does not require additional facilities. With only one witness listed and no apparent opposition, the discussion was brief and focused on why the authorization should be placed in statute rather than left to practice.
TX
Transcript Highlights:
- You know, if it's off by 28 million because of a data estimate, you know, I don't, I can't say in a 45
- A data estimate, I don't, you know, I don't, I can't say in a 45 billion dollar system if that's gonna
- But in terms of your job in Chapter 48 and Chapter 29, which is where special education is generally
- It takes a minimum of 45 days to get an IEP from Texas, and so they had no chance.
- I think it's $45 million that they didn't get that they were supposed to be getting. Yeah.
NH
New Hampshire 2026 Regular Session
House Environment and Agriculture (04/14/2026)
Environment and Agriculture
Transcript Highlights:
- <00:45:46.560>
This <00:45:46.880>would <00:45:47.040>make <00:45:47.280> - breeding operations<00:45:50.760>
to <00:45:50.880>fly <00:45:51.120>under <00:45 - So, that<01:45:10.360>
could <01:45:10.480>be <01:45:10.600>managed <01:45:11.200 - >
in <01:45:11.320>a <01:45:11.360>way <01:45:11.600>that <01:45:11.800>- <01:45:21.720>
I <01:45:21.800>just <01:45:22.440>uh <01:45:22.720>and - <01:45:21.720>
ND
North Dakota 2026 1st Special Session
Employee Benefits Programs Committee May 7th, 2026
Employee Benefits Programs Committee
Transcript Highlights:
- So it was about 40 to 45 million?
- It also adds two definitions to the chapter, which addresses the defined contribution retirement plan
- They are identical to the definitions that are in the PERS chapter that addresses the main system, so
- It also adds two definitions to the chapter, which addresses the defined contribution retirement plan
- They are identical to the definitions that are in the PERS chapter that addresses the main system, so
Summary:
The Employee Benefits Committee met to hear presentations on state employee health insurance, compensation, leave policies, labor market conditions, and prevailing wage issues, then later took up committee rules and bill-draft jurisdiction. PERS reviewed the history and structure of the state health plan, noting the state has paid the full family premium since 1979, described cost-control and benefit-enhancement changes over time, and explained current plan options, wellness incentives, employer wellness discounts, and the upcoming bid process for the 2027-29 contract. HRMS then presented compensation comparisons showing state classified pay generally trails private and regional markets, with larger gaps at higher-level jobs, and reviewed benefits and leave policies, including the new enhanced annual leave and new-hire leave, the state’s unpaid family leave structure, and varying tuition reimbursement practices. Job Service reported on labor force trends, low unemployment, high labor force participation, job openings, and wage growth, and OMB said there are no state prevailing-wage requirements beyond federal Davis-Bacon rules for federally funded projects.
The committee then considered a proposed amendment to Joint Rule 211 to better align the health insurance mandate review process with recent statutory changes. Members discussed how the rule should reference both the committee’s required actuarial reports and the Legislative Council cost-benefit analysis, and the amendment was adopted on a roll call vote. The committee also discussed how its jurisdiction decisions affect whether a bill draft receives actuarial analysis, with staff explaining that a decision not to take jurisdiction means the bill is not treated as impacting the relevant retirement or health plans for purposes of that analysis.
After that, the committee began reviewing bill drafts for jurisdiction. The first draft, bill draft 33, would automatically renew pre-tax elections for dental and vision coverage during open enrollment instead of requiring annual re-election. Members debated whether it had any actuarial impact, noting the state does not pay those premiums directly, and the discussion was still underway when the transcript ended.
MN
Minnesota 2025-2026 Regular Session
House Floor Session - part 2 Apr 25th, 2025
Minnesota House Floor Meeting
Transcript Highlights:
- you get to make anything germane by inserting it into the section of law that we are debating, the chapter
- But most egregious of all, this has Chapter 388 in this amendment, which is not in the bill at all.
- And even under the GOP's own rules proposal from earlier this session, a new chapter being inserted into
- Chapter 388, just in case anyone's curious, has the title "County Attorneys."
- I think everyone would understand that Chapter 388, even though there's not a provision relating to Chapter
NH
Transcript Highlights:
- :00.960>
and <01:45:01.520>and <01:45:01.920>leave <01:45:02.159>it <01:45 - standard<01:45:05.679>
in <01:45:06.239>in <01:45:06.560>line <01:45:07.040> - Uh,<01:45:08.080>
and <01:45:08.320>I'm <01:45:08.480>sorry <01:45:08.719>for - >
this, <01:45:10.560>but <01:45:10.800>it <01:45:11.040>is <01:45:11.280> - <01:45:14.480>
be <01:45:14.639>happy <01:45:14.800>to <01:45:15.040>answer
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, February 13, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- :00.119>
are <00:45:00.359>clear <00:45:01.040>and <00:45:01.200>now <00:45 - 45:38.200>
in <00:45:38.319>the <00:45:38.400>Civil <00:45:38.680>Service - <00:45:39.760>
be <00:45:39.960>trashed <00:45:40.440>by <00:45:40.559>an - c><00:45:51.839>
the <00:45:52.000>country <00:45:52.760>this <00:45:52.960>bill - :57.319>
any <00:45:57.640>speed <00:45:57.960>at <00:45:58.119>all <00:45
MN
Minnesota 2025-2026 Regular Session
Limiting zoning authority of local governments over housing types 3/3/26
Minnesota House Floor Meeting
Transcript Highlights:
- >> Thank<00:45:04.560>
you <00:45:05.440>um <00:45:05.760>co-chairs <00:45: - Um thank you<00:45:08.640>
for <00:45:08.800>the <00:45:08.960>opportunity <00:45 - 12.960>
My <00:45:13.119>name <00:45:13.280>is <00:45:13.359>Tobias <00:45 - <00:45:40.880>
But <00:45:41.040>that's <00:45:41.280>not <00:45:41.520>all - The bill<00:45:43.359>
limits <00:45:43.760>minimum <00:45:44.160>lot <00:45:44.400
TX
Texas 89th 2nd C.S.
Appropriations - S/C on Articles I, IV, & V Feb 24th, 2025
Appropriations - S/C on Articles I, IV, & V
Transcript Highlights:
- During the last legislative session, that 45 to 50 million was increased by 150 million to just over
- Cyrus Reed, Lone Star Chapter of the Sierra Club.
- Veronica Adams: Veronica Adams, Lead Statewide Organizer for AFSCME Chapter 12.
- So again, I'm Veronica Adams and I represent about 10,000 state retirees with AFSCME Chapter 12.
- So a one-time infusion toward that one time only, you could argue that's 8% of some of that 45%.
TX
Texas 89th Regular
Appropriations - S/C on Articles I, IV, & V Feb 24th, 2025
Appropriations - S/C on Articles I, IV, & V
Transcript Highlights:
- Over the years, the legislature has typically funded this program to the tune of about $45 million to
- Cyrus Reid, Lunstar Chapter of the Sierra Club.
- Hi Veronica, welcome. and lead statewide organizer for AFSCME Chapter 12.
- So again, I'm Veronica Adamson, I represent about 10,000 state retirees with AFSCME Chapter 12.
- I call it loss in purchase power of approximately 45%.
AZ
FL
Florida 2026 4th Special Session
January 14, 2026 - 01:30 PM
Transcript Highlights:
- WE REPRESENT THE FLORIDA CHAPTERS IN NORTH FLORIDA, CENTRAL WEST FLORIDA.
- FLORIDA CONTINUED EDUCATION REQUIREMENTS LET'S ME AS A LICENSED ARCTIC EFFECT MEET THE REQUIREMENTS OF 45