Transcript Highlights:

• And to identify patterns of discriminatory lending and investment practices.
• and the proportion of that lending to low- and moderate-income borrowers.
• and the proportion of that lending to low- and moderate-income borrowers.
• Credit unions exist to offer pooled savings and lending services for member owners.
• The style and the ways of lending has changed dramatically.

Summary: The Assembly Banking and Finance Committee met to hear several bills, beginning with a consent calendar that included AB 665 and AB 866, both adopted on a do pass basis and referred to Appropriations. The committee then took up AB 801, which would create a California Community Reinvestment Act to require covered financial institutions, including state-chartered banks, credit unions, residential mortgage lenders, and money transmitters, to meet the financial needs of low- and moderate-income communities and communities of color. The author and supporters argued the bill would close gaps left by the federal CRA, address redlining and discriminatory lending, and expand investment in housing, small business, and community development. Support came from community groups, CDFIs, labor, and housing advocates, while opposition from mortgage bankers and credit unions argued the bill would impose costly new reporting and regulatory burdens, especially on institutions they said already serve underserved borrowers well. Committee members discussed the scope of the bill, the experience of other states with state CRA laws, and possible carve-outs or tiered treatment for smaller credit unions. AB 801 was passed as amended and referred to Appropriations, with the roll left open and later completed; one member voted no and others were not voting or voted aye as the roll was finalized. The committee also heard AB 743, which would require licensing and surety bonds for commercial lawsuit financing and bring those transactions under DFPI oversight. The author said the bill was aimed at a largely unregulated, multi-billion-dollar industry and was intended to increase transparency and address concerns about foreign interests, fraud, and abusive litigation funding practices, while not affecting consumer legal funding. Supporters, including Unified Patents, the Civil Justice Association of California, the California Chamber of Commerce, the California Trucking Association, and the American Property Casualty Insurance Association, said the bill was an important first step toward disclosure and regulation. There was no opposition testimony. AB 743 passed unanimously as amended and was referred to Appropriations, with the roll held open briefly for absent members before the committee adjourned.

Transcript Highlights:

• Small business lending and innovative projects like community land trusts.
• Christopher Sanchez on behalf of the Consumer Federation of California, in strong support.
• and the proportion of that lending to low- and moderate-income borrowers.
• Credit unions exist to... ...offer pooled savings and lending services for member owners.
• I'm here representing the Alliance for Responsible Consumer Legal Funding.

Keywords: 988, house, all

Transcript Highlights:

• here I've been watching the Consumer here I've been watching the Consumer Financial<00:02:34.400
• proliferation of accounts that consumers proliferation of accounts that consumers never<00:04:39.800
• collections under $500 from consumer collections under $500 from consumer credit<00:08:20.800>
• <00:10:23.480> rates bill that capped payday lending rates bill that capped payday lending
• <00:18:44.600> Financial responsibility for Consumer Financial responsibility for Consumer

Keywords: 1187, senate, all

Transcript Highlights:

• It's a model incentivized to misrepresent to consumers what they're receiving when in reality they're
• There would also be approximately $6,168 over the biennium for consumer sessions required by the bill
• There would also be approximately $6,168 over the biennium for consumer sessions required by the bill
• state's consumer advocate housed in the Attorney General's office, which represents the interests of
• Davis just said, for the ...rates have gone up for consumers, unfortunately. As Mr.

Bills: AB568, SB90, SB133, SB147, SB229, SB233, SB240, SB245, SB280, SB378, SB393, SB417, SB434, SB494, SB495

Keywords: higher education, Nevada System of Higher Education, operational expenses, instructional expenses, public funding, education funding, teacher grants, classroom supplies, instructional support, specialized personnel, civics education, Nevada Center for Civic Engagement, funding, youth programs, civic involvement, Southern Nevada, Clark County, Las Vegas Valley, regional planning, economic resiliency

Bills: HB55, HB608, HB997, HB1035, HB1045, HB1048, HB1049, HB1057, HB1131, HB1177, HB1201

Keywords: juror confidentiality, public records, criminal procedure, privacy, court disclosure, intercollegiate athletics, confidentiality, revenue sharing, student athletes, official journal, public notices, government transparency, local government, municipal website, school board notices, parish council, police jury, special districts, levee district, drainage district

Transcript Highlights:

• from the County Supervisors Association, and together we can balance the approach to strengthen consumer
• shared concerns from constituents, our association supported bringing forward a bill to address consumer
• open, honest, frank conversation about what we can do to the existing statutes to make sure that consumers
• protection about disclosure to consumers.
• Yeah, this is a consumer protection issue.

Bills: SB1137, SB1200, SB1419, SB1447, SB1560, SCM1004

Keywords: underground utilities, utility locating, dig safe, call before you dig, 811, excavation safety, damage prevention, one-call center, locate request, white lining, large project coordination, buried infrastructure, subsurface utilities, utility marking, locator wire, locator strip, interactive positive response system, landlord duties, apartment community, mobile home park

Transcript Highlights:

• We do under the 146A consumer protection bill.
• ,<00:15:56.720> they practitioners and consumers, they practitioners and consumers, they literally
• And then 146A consumer protection bill.
• harm to the consumer. harm to the consumer.
• We have protections for the consumers.

Bills: HF362, HF2590, HF2760, HF3444

Keywords: massage therapy, Asian bodywork therapy, massage therapist, Asian bodywork therapist, licensure, professional licensing, health occupations, Department of Health, commissioner of health, advisory council, protected title, unlicensed practice, scope of practice, consumer protection, background check, professional liability insurance, continuing education, credentialing examination, state preemption, municipal regulation

Transcript Highlights:

• homeowners pay some of the highest insurance premiums in the nation, and this is protections for our consumers
• I believe that that provision is what has led to the lack of protections for the consumer.
• I believe this bill here and what we're attempting to do, I think it's consumer protections.
• I think it's consumer protections. It's simply just transparency.
• It fails the consumers. It fails the homeowners.

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• So the goal of this bill is to protect consumers. That's noble.
• Consumers also need to consider the overall cost of the system itself.
• This has always been predicated on consumer protections.
• And so that consumer is now buying the vehicle.
• And so that consumer is now buying the vehicle.

Bills: SB1041, SB1363, SB1418, SB1419, SB1445, SB1447, SB1488, SB1519, SB1523, SB1560, SB1580

Keywords: electronic monitoring, nursing care, assisted living, resident rights, privacy, consent, surveillance, marijuana, rural opportunity, dispensary, economic development, licensing, social equity, unserved communities, Arizona, small modular reactors, energy regulation, environmental compatibility, utility construction, agricultural use

Bills: SB2444, SB2446, SB2450, SB2453, SB2461, SB2457, SB2462, SB2313, SB2528, SB2532, SB2571, SB2678, SB2529

Keywords: real property, exemption, attachment, execution, consumer protection, financial security, inflation adjustment, head of family, senior citizens, Intermediate Court of Appeals, judges, Hawaii judiciary, court membership, legal system, presidential preference primary, elections, political parties, Hawaii voting, 2028 election, voting

Summary: The Judiciary Committee heard testimony on several bills. SB 2444 would raise the real property exemption amount for attachment or execution, which the Attorney General said could create vague retroactivity language and litigation risk; the committee noted the exemption had last been adjusted around 1978. SB 2446 would add a seventh associate judge to the Intermediate Court of Appeals. Judiciary staff testified in opposition, saying recent internal restructuring and a pending vacancy had improved output and that it would be prudent to wait and see the effect before adding another judge. The Public Defender supported the goal of faster appellate resolution but said it would defer to the court’s assessment and had no objection to revisiting the issue later. The committee also discussed current appellate timelines, with staff saying at least 225 days is built into the process before a case reaches a merit panel, and that a two-year delay from panel assignment was realistic under the current structure. The committee then heard SB 2450, which would establish a presidential preference primary for the 2028 cycle. The Chief Election Officer said the election would cost about $4 million, less if combined with the regular primary. Several opponents argued the bill would add bureaucracy, duplicate or undermine party-run processes, and waste taxpayer money; one speaker estimated the total cost could be closer to $6 million when county costs are included. Supporters and committee members discussed that the measure would not require parties to use the results and that Hawaii remains one of the few states still using caucuses. The committee also asked whether counties could staff the election and whether the results would be useful given Hawaii’s current primary timing. SB 2453 would require the Office of Elections to include a notice with each ballot that a digital and printed voter information guide is available, with the notice in 32-point font as a separate insert. The Chief Election Officer said the insert would cost about $90,000 and asked for an effective date of January 1, 2027 because mailing preparations for the primary would already be underway. The Disability and Communications Access Board, League of Women Voters, National Federation of the Blind of Hawaii, and others supported the bill. The committee also began hearing SB 2461, which would have the Office of Elections prepare a questionnaire for candidates and publish responses online and in the voter guide; the Chief Election Officer said the office did not think it should be the agency to shape campaign questions, though he said it could work if the questions were specified in statute. Finally, the committee heard SB 2457, which would require a criminal conviction before seized property could be forfeited. The Attorney General and Honolulu Police Department opposed the bill, arguing it would prolong cases, increase storage costs, and make forfeiture less effective against crime, especially where owners flee, die, or hide assets through shell companies. The Public Defender strongly supported the measure, saying forfeiture should be tied to convictions and that people challenging forfeiture often lack counsel. The Honolulu Prosecutor also opposed the bill, but said it supported transparency, due process, and even a right to counsel; it argued conviction-only forfeiture would fail in cases involving fugitives, deceased suspects, or hidden ownership structures. The committee questioned what would happen to property if an owner could not be found, and the prosecutor said the outcome would depend on the type of property and could involve abandonment or interpleader proceedings.

Bills: HB4, HB1, HB2, HB20, HB19, HB18

Keywords: district composition, congressional election, Texas, legislature, voting districts, youth camps, emergency preparedness, safety standards, health regulations, camp licensing, disaster preparedness, emergency management, flooding, mass fatality, mass casualty, fatality tracking, body recovery, autopsy, justice of the peace, medical examiner

Summary: The House convened with a strict roll-call enforcement request, but only 95 members were present, so a quorum was not present. The chamber heard an invocation from Furman Carpenter, DPS chaplain, followed by the pledges to the U.S. and Texas flags. A member raised a parliamentary inquiry asking whether members must be present to make a motion and whether all members who requested strict enforcement were present; the Speaker said he would need to check the journal. The Speaker then announced that the House was about to receive a motion to adjourn sine die and noted that the governor might call another special session soon. Representative Garin moved that the House of Representatives of the First Called Session of the Eighty-Ninth Legislature adjourn sine die. There was no objection, and the motion carried, ending the session.

Transcript Highlights:

• Members, um, this legislation creates important consumer protections against fraudulent charitable solicitations
• First, the bill requires that, uh, TDM working with the Attorney General's Consumer Protection division

Bills: HB1, HB 2, HB18, HB19, HB20

Keywords: youth camps, emergency preparedness, safety standards, health regulations, camp licensing, disaster preparedness, emergency management, flooding, mass fatality, mass casualty, fatality tracking, body recovery, autopsy, justice of the peace, medical examiner, county judge, sheriff, mayor, emergency coordinator, emergency manager license

Transcript Highlights:

• We are a massive consumer of cement, as many of you have learned through the diagrams that we provided
• So when there's outside vibration at the ground or dirt level, it... consumes the vibration.
• In fact, Texas is the leading destination of U.S. cement shipments and consumed over 16 percent of the
• We consume a million tons of cement a year alone just in my industry.
• I do want to be clear; this bill does not create penalties for consumers.

Bills: SB1757, SB1758, SB1898, SB2050

Keywords: rock crushing, permits, air quality, environmental monitoring, aggregate production, seismicity, public meeting, land use, SB 1758, cement kiln, portland cement, aggregate production operation, aggregate quarry, semiconductor wafer manufacturing, chip fabrication, semiconductor plant, vibration, seismic disturbance, liability limitation, TCEQ

Transcript Highlights:

• or prevent a consumer from refinancing or tapping into their home equity.
• And right now, consumers in Texas may sit down at a restaurant...
• Consumers will be able to make informed decisions about the food they're eating.
• There are people that, so if you consume...
• They wanted to have language that essentially placed the burden on the consumer... ...so that the consumer

Bills: HB2226, HB2269, HB2343, HB2760, HB3621, HB4079, HB4204, HB4518, HB4531, HB4555, HB4850, HB4876, HB4903, HB4996, HB5122

Keywords: construction trust funds, Property Code, Chapter 162, construction payments, mechanics lien, contractors, subcontractors, laborers, material suppliers, materialmen, real property improvement, assignment of payment rights, unpaid trust funds, trust fund beneficiaries, construction industry, payment protection, Texas construction law, property owners association, landscaping, grass maintenance

Transcript Highlights:

• The best consumer companies in the world are built in the U.S., and the best protocols should be built
• All-in pricing is favorable for consumers.
• Cleaning up speculative tickets is also something that's going to be favorable for consumers.
• It is a bad bill for consumers, a bad bill for the arts, and a bad bill for small businesses.
• I think the consumers deserve transparency, and it's confusing.

Bills: HB2226, HB2269, HB2343, HB2760, HB3621, HB4079, HB4204, HB4518, HB4531, HB4555, HB4850, HB4876, HB4903, HB4996, HB5122

Keywords: construction trust funds, Property Code, Chapter 162, construction payments, mechanics lien, contractors, subcontractors, laborers, material suppliers, materialmen, real property improvement, assignment of payment rights, unpaid trust funds, trust fund beneficiaries, construction industry, payment protection, Texas construction law, property owners association, landscaping, grass maintenance

Transcript Highlights:

• We think there's a potential for confusion for consumers and a couple other consumer protection limitations
• We think there's a potential for confusion for consumers and a couple other consumer protection limitations
• We think there's a potential for confusion for consumers and a couple other consumer protection limitations
• I think it's consumer-focused.
• This competition ultimately benefits consumers, and it is that benefit to consumers that we should be

Bills: HF2228, HF46, HF856, HF2149, HF2215

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Transcript Highlights:

• Smith said, I mean,<00:16:18.959> consumers<00:16:19.519> come<00:16:19.759> into
• and at least an explainable option for consumers to be able to make a choice about well, you...
• <00:57:01.440> um last couple of sessions to consumers um last couple of sessions to consumers
• <00:57:57.599> to been to provide options for consumers to been to provide options for consumers
• option for consumers to be explainable option for consumers to be able<00:58:17.680> to<00:58

Bills: HF1546, HF2403, HF2389, HF2398

Keywords: fire safety, public safety, statewide fire code, code cleanup, repeal, obsolete statutes, matches, strike-anywhere matches, safety matches, match packaging, match storage, tent safety, flame resistant tents, public assembly tents, flammable materials, fire code modernization, Minnesota Statutes chapter 325F, commerce policy, financial institutions, insurance regulation

Transcript Highlights:

• they're not doing something that they think they should be doing, and then they use this process to consume
• This is time-consuming, costs money, and prolongs the application process.

Bills: HB 1089, HB 1163, HB 1177, HB 1238, HB1318, HB1400, HB1407, HB1532, HJR7, HJR7

Keywords: coastal protection, environmental management, Gulf Coast, storm risk management, funding, Texas General Land Office, healthcare, insurance reform, patient access, insurance regulation, affordable care, health insurance, consumer rights, coverage transparency, claims process, insurance regulations, aggregate production, environmental impact, financial responsibility, reclamation

Bills: HB 1089, HB 1163, HB 1177, HB 1238, HB1318, HB1400, HB1407, HB1532, HJR7, HJR7

Keywords: coastal protection, environmental management, Gulf Coast, storm risk management, funding, Texas General Land Office, healthcare, insurance reform, patient access, insurance regulation, affordable care, health insurance, consumer rights, coverage transparency, claims process, insurance regulations, aggregate production, environmental impact, financial responsibility, reclamation

Bills: HB39, HB227, HB930, HB 1078, HB39, HB227

Keywords: highway designation, veteran recognition, commemorative, transportation, Brazoria County, Texas National Guard, combat duty, military activation, state requirements, emergency response, active combat duty, military service, Congressional action, Governor responsibilities, Congressional declaration, state law, conflict, armed forces, congressional approval, war declaration