Transcript Highlights:

• So you mentioned that we shouldn't do any targeted relief for families or homeowners.
• ><00:17:26.959><c> the</c><00:17:27.120><c> property</c> homeowners may save on the property homeowners
• So the homeowner still needs to shell out the premium. >> Yes. >> Okay.
• So the homeowner still needs to shell out the premium. >> Yes. >> Okay.
• </c><03:05:06.640><c> Members,</c> finance and to defect the date.

Bills: HB20 , HB2612 , HB2404 , HB2459 , HB2194 , HB1880 , HB2284 , HB1969 , HB2458 , HB1546 , HB2161 , HB1721 , HB1641 , HB2137 , HB1782 , HB2360 , HB1965 , HB1897 , HB1513

Committee: House Consumer Protection & Commerce

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.

Transcript Highlights:

• This pretty extensive study we did dug into your finances, your cost, how much does it cost?

Bills: HB185 , HB378 , SB28 , HB400 , SB155 , HB312 , HB185 , HB378 , SB28 , HB400 , SB155 , HB312

Committee: House Ways and Means General Fund

Keywords: appropriation, transportation, judicial system, funding, state budget, Pickens County, local act, vehicle tag fee, registration fee, issuance fee, motor vehicle registration, license plate, replacement tag, transfer tag, renewal fee, county revenue, earmarked funds, ambulance service, emergency medical services, EMS

Transcript Highlights:

• We, you know, when private homeowners.
• </c><00:43:11.200><c> that</c> directly, it's private homeowners that directly, it's private homeowners
• We're just one homeowner in afford that.
• </c> the expense of the private homeowner. the expense of the private homeowner. and<00:48:25.520><c>
• With just 10 years, there’s no way we’re going to get financing.

Bills: HB1846 , HB2205 , HB1802 , HB1571 , HB2047 , HB2434 , HB2426 , HB2361 , HB2395 , HB1712 , HB2544 , HB1619

Committee: House Water & Land

Keywords: coastal erosion, shoreline properties, regional planning, mitigation districts, sediment management, environmental impact, public access, community financing, shoreline erosion, emergency permits, coastal management, erosion control, Hawaii Revised Statutes, HB1802, conservation banking, conservation bank, mitigation banking, compensatory mitigation, incidental take permit, incidental take license

Summary: The committee heard testimony on HB 1846, relating to shoreline mitigation districts. DLNR and the Office of Planning opposed the bill, arguing it would improperly shift regulatory roles between the agencies and prioritize private land interests over public trust and natural and historic resources. Supporters, including the Shoreline Preservation Coalition, Kahana Bay residents, and Hawaii Realtors, said regional planning is needed to address severe erosion, especially in Kahana, and that better coordination between state and county agencies could help move stalled projects forward. Testifiers emphasized that shoreline conditions vary by area and that science-based, region-specific solutions are needed. Members asked questions about whether existing law already allows regional planning and emergency shoreline responses. DLNR said it already has authority to process regional projects and cited an existing draft EIS for Kahana Bay that would proceed through normal permitting and public hearing channels. Supporters responded that the bill would provide a clearer regional planning framework and help communities facing urgent erosion impacts. No vote was taken on HB 1846 in the portion provided. The committee then took up HB 2205, relating to emergency erosion mitigation. DLNR opposed the bill, saying it already has authority to issue emergency permits and had recently done so quickly for a collapsed sidewalk at Queen Surf Beach, and warning that the bill’s language could weaken Act 16 by changing a prohibition on shoreline hardening to a requirement to merely minimize it. Kahana Bay representatives and other supporters argued the bill would create a limited, regulated short-term pathway for emergency shoreline solutions while long-term plans are developed, and said current permits have expired or stalled, leaving dangerous sandbags and no practical relief. Additional testimony from a private homeowner stressed that erosion is threatening homes and that private owners are often bearing the cost of protecting public shoreline access. The discussion remained focused on balancing emergency protection, public access, and long-term shoreline management, and no final action was taken in the excerpt provided.

Transcript Highlights:

• The other thing that I would point you to, and this bill is not going to Senate Finance, so I would point
• Is that, Chair of Finance, 10% of our state's budget? A little more? Yeah. Well, a little more.

Bills: SB20 , SB21 , SB166 , SB177 , SB181 , SB189 , SM6

Committee: Senate Senate Tax, Business & Transportation

Keywords: prior authorization, pharmacy benefits manager, PBM, health insurer, prescription drugs, step therapy, formulary, auto-adjudication, electronic portal, appeals, medical necessity, serious mental illness, mental health, schizophrenia, bipolar disorder, major depression, substance use disorder, addiction treatment, cancer, autoimmune disorder

Transcript Highlights:

• Washington State Health Care Authority after serving as Maryland's Deputy Secretary for Health Care Financing
• Care Cost Transparency Board, the Prescription Drug Affordability Board, federal behavioral health financing
• next bill is Senate Bill 6292, establishing a joint legislative executive committee on health care financing
• Senate Bill 6292 before us, establishing a joint legislative executive committee on health care financing
• have Senate Bill 6292 before us establishing a joint legislative executive committee on health care financing

Bills: SB5899 , SB6292 , SB6094 , SB6182 , SB5947 , SJR8206 , SB5933 , SB6138 , SB5823 , SB6210 , SB5921 , SB6226 , SB6159 , SB5924 , SGA9291 , SGA9307

Committee: Senate Health & Long-Term Care

Keywords: chiropractic, animal care, veterinary medicine, license endorsement, nonhuman animals, health care, financing, legislative committee, joint committee, policy management, pediatric care, transitional services, healthcare, licensing, children's health, abortion, reproductive health, pregnancy termination, clinic access, abortion access fund

Transcript Highlights:

• financing them.
• They're not going to get financing terms. This is the judge.
• And we're just talking about foreign financing, which is...
• You don't single out one specific type of financing.
• You say all financing, any financing that comes from overseas is a problem.

Bills: S0014 , S0016 , S0024 , S0052 , S0308 , S0504 , S0506 , S0564 , S0572 , S0590 , S0594 , S0806 , S1396 , S7020 , S7024 , S7026

Committee: Senate Rules

Keywords: negligence, settlement, police conduct, municipal liability, personal injury, compensation, injuries, Miami-Dade County, places of worship, house of worship, church, mosque, synagogue, religious security, armed security, volunteer security, private security, security guard licensing, licensure exemption, Florida Statutes chapter 493

Summary: The Committee on Rules met with 14 members present and considered a long agenda of bills, including several open-government sunset reauthorizations, consumer and election measures, claims bills, and policy bills on public safety, ethics, and child protection. The committee reported favorably SB 7024 and SB 7026, which extend and consolidate public-records/public-meeting exemptions for cybersecurity information and trade secrets held by agencies, and SB 7020, which reenacts the aquaculture records exemption for the Department of Agriculture and Consumer Services. It also approved SB 14 and SB 24, two uncontested Miami-Dade County claims bills, and SB 16, a claims bill for Heriberto Sanchez Mayan involving severe injuries after an unlawful arrest and transport incident in St. Petersburg. Several bills drew substantial testimony. SB 308, creating the Florida Museum of Black History Board of Directors and designating St. Johns County as the museum site, received extensive support from advocates and lawmakers who emphasized preserving the full and accurate history of Black Floridians; some speakers urged safeguards to ensure historians and community members help shape the museum’s content. The committee also favorably reported CS for SB 564, allowing registered or pre-registered high school students to volunteer at polling places for community service hours, with supporters saying it would build civic engagement and help election offices. CS for SB 52, which exempts unpaid volunteer armed security at houses of worship from Class D and G licensing requirements, was also reported favorably after testimony both supporting the need for church security and cautioning that congregations should retain control over whether weapons are allowed. The committee approved CS for SB 1396 on litigation financing and consumer protection after a lengthy debate over transparency, foreign funding, and whether the bill would chill access to courts. Supporters said it would create guardrails and disclose foreign involvement; opponents argued it could burden plaintiffs and reveal litigation strategy. The committee also reported favorably CS for SB 504 and SB 506, creating a framework and related public-records exemption for code inspector body cameras, with discussion about notice to property owners and protection of sensitive footage. Additional favorable actions included CS for SB 572, updating ethics law to reflect foster family relationships, and CS for SB 590, tolling the statute of limitations for failure-to-report child abuse offenses until the offense is known to law enforcement or another charging authority.

Transcript Highlights:

• Through certain types of financing, which are listed in the bill report.
• And you have since been serving on the Housing Finance Commission.
• And I guess the biggest piece for me that I found out was the financing piece.
• Perez to the Housing Finance Commission. My understanding is that we have Diana virtually.
• your service on the finance commission helps to solve some of those local needs.

Bills: SB6069 , SB6167 , SB6201 , SB6205 , SB6001 , SB6026 , SB6054 , SGA9278 , SGA9279

Committee: Senate Housing

Keywords: affordable housing, homelessness, homeless shelter, emergency shelter, emergency housing, supportive housing, permanent supportive housing, transitional housing, low-income housing, very low-income, extremely low-income, housing crisis, land use, zoning, local preemption, urban growth area, UGA, planning, development regulations, permitting

Bills: SB5985 , SB6019 , SB6161 , SB6183 , SB6210 , SB6194 , SB6102 , SB6103

Committee: Senate Health & Long-Term Care

Keywords: endometriosis, healthcare, reproductive health, patient education, awareness campaign, home care, home care services, home care agency, home care worker, caregiver, direct care, consumer directed employer, consumer-directed care, Medicaid, long-term care, aging services, disability services, personal care, respite care, vendor rate

Transcript Highlights:

• Additional financing as well. Our sewer was rated in the top 15% on the project priority list.
• It took some time to get the financing in place, but we embarked on Two projects in both 2023 and 2024

Bills: HF568 , HF433 , HF1689 , HF3135 , HF3137 , HF3145 , HF2887 , HF2819 , HF2802 , HF2664 , HF2267 , HF799 , HF800 , HF3049 , HF296 , HF580 , HF1438 , HF1237

Committee: House Capital Investment

Keywords: special education, education funding, construction, Minnesota, regional educational programs, HF433, Cloquet Area Fire District, fire station, capital investment, bonding bill, state bonds, general obligation bonds, public safety, emergency services, fire protection, local infrastructure, Minnesota capital budget, DEED grant, municipal facilities, station construction

Transcript Highlights:

• two, there's really not much more that we'll be able to raise our prices to account for phase two financing
• 34.640><c> in</c><01:13:34.800><c> 2021</c><01:13:35.280><c> and</c> It took some time to get the financing

Bills: HF568 , HF433 , HF1689 , HF3135 , HF3137 , HF3145 , HF2887 , HF2819 , HF2802 , HF2664 , HF2267 , HF799 , HF800 , HF3049 , HF296 , HF580 , HF1438 , HF1237

Committee: House Capital Investment

Keywords: special education, education funding, construction, Minnesota, regional educational programs, HF433, Cloquet Area Fire District, fire station, capital investment, bonding bill, state bonds, general obligation bonds, public safety, emergency services, fire protection, local infrastructure, Minnesota capital budget, DEED grant, municipal facilities, station construction

Transcript Highlights:

• Local tools like bond financing assessments.
• A more energy-efficient option to homeowners.
• TENS lower costs for homeowners by centralizing and optimizing heating and cooling, and their efficiency
• equitably without the upfront cost burden falling on individual homeowners.
• divisions to finance items that are of low collateral value and still obtain a very favorable.

Bills: HB386 , HB1449 , HB1701 , HB2142 , HB2675 , HB2857 , HB3063 , HB3171 , HB3641 , HB3732 , HB4045 , HB4370 , HB4491 , HB4505 , HB4626 , HB5267 , HB5356

Committee: House Intergovernmental Affairs

Keywords: construction contracts, change orders, local government, budget limits, Texas legislation, HB 1449, mobile food vendors, food trucks, mobile food service establishments, permits, county health permit, municipal permitting, Health and Safety Code Chapter 437A, Chapter 437, inspection agreements, permit reciprocity, fee cap, preemption, large counties, population over one million

Transcript Highlights:

• years ago that this body approved an $18 billion tax relief package intended to save the average homeowner
• 2024, Hayes County adopted a 18.8% rate increase, which dramatically increased the cost. ...me as a homeowner
• attributed to our local government, even though the bulk of most people's taxes is related to school finance
• What, again, so I guess one-fifth of that would go towards... the financing part, side of the... ...city
• That doesn't go to the homeowner, right?

Bills: HB386 , HB1449 , HB1701 , HB2142 , HB2675 , HB2857 , HB3063 , HB3171 , HB3641 , HB3732 , HB4045 , HB4370 , HB4491 , HB4505 , HB4626 , HB5267 , HB5356

Committee: House Intergovernmental Affairs

Keywords: construction contracts, change orders, local government, budget limits, Texas legislation, HB 1449, mobile food vendors, food trucks, mobile food service establishments, permits, county health permit, municipal permitting, Health and Safety Code Chapter 437A, Chapter 437, inspection agreements, permit reciprocity, fee cap, preemption, large counties, population over one million

Bills: HF1569 , HF460 , HF850 , HF707 , HF798 , HF852 , HF366 , HF365 , HF836 , HF866 , HF885 , HF959 , HF1196 , HF1788 , HF1349 , HF2272 , HF2652 , HF1251 , HF607

Committee: House Capital Investment

Keywords: transportation, bond issuance, capital investment, infrastructure, road improvements, HF460, Sibley County, Highway 21, County State-Aid Highway, bonding bill, state bonds, bond proceeds fund, transportation grant, infrastructure improvements, sanitary sewer, water main, storm sewer, stormwater, public works, local infrastructure

Bills: HB168 , HB 1044 , HB1534 , HB1914 , HB2240 , HB2530 , HB3284 , HB3395 , HB3515 , HB3783 , HB4034 , HB4213 , HB168

Committee: House S/C on Family & Fiduciary Relationships

Keywords: marriage age, minors, family law, void marriage, rights of minors, Texas marriage law, marriage ceremony, authorized officiants, family code, judges, religious leaders, parent-child relationship, Department of Family and Protective Services, legal rights, notice requirements, HB 1914, Texas Family Code, Chapter 156, conservatorship, custody

Bills: HB168 , HB 1044 , HB1534 , HB1914 , HB2240 , HB2530 , HB3284 , HB3395 , HB3515 , HB3783 , HB4034 , HB4213 , HB168

Committee: House S/C on Family & Fiduciary Relationships

Keywords: marriage age, minors, family law, void marriage, rights of minors, Texas marriage law, marriage ceremony, authorized officiants, family code, judges, religious leaders, parent-child relationship, Department of Family and Protective Services, legal rights, notice requirements, HB 1914, Texas Family Code, Chapter 156, conservatorship, custody

Transcript Highlights:

• make an attempt at it, and it's a tremendous funding initiative, as I mentioned before. to Senate Finance
• staffer here in the Senate in the 72nd and 73rd. regular sessions, four special sessions on school finance
• Cowan had his multiple rulings on school finance litigation to now.

Bills: SB451 , SB762 , SB1490 , SB1262 , SB1459 , SB1750 , SB1962 , SB2252 , SB2253 , SB2365

Committee: Senate Education

Keywords: instructional materials, public schools, Education Code, adoption, rejected materials, local funds, open educational resources, Texas Education Code, school districts, open enrollment charter schools, funding restrictions, environmental regulation, business compliance, local authority, economic development, state preemption, local control, open education resources, SB 762, Texas public schools

Transcript Highlights:

• parents in the academic education of their children. pass and our committee is working with Senate Finance
• make an attempt at it, and it's a tremendous funding initiative, as I mentioned before. to Senate Finance
• staffer here in the Senate in the 72nd and 73rd. regular sessions, four special sessions on school finance
• Scott Cowan had his multiple rulings on school finance litigation to now.

Bills: SB451 , SB762 , SB1490 , SB1262 , SB1459 , SB1750 , SB1962 , SB2252 , SB2253 , SB2365

Committee: Senate Education

Keywords: instructional materials, public schools, Education Code, adoption, rejected materials, local funds, open educational resources, Texas Education Code, school districts, open enrollment charter schools, funding restrictions, environmental regulation, business compliance, local authority, economic development, state preemption, local control, open education resources, SB 762, Texas public schools

Bills: HR207 , SB2595 , SB3199 , SB3132 , SB2591 , SB2089 , SB2108 , SB2970 , SB2530 , SB2442 , SB3076 , SB2532 , SB2721 , SB2055 , SB2312 , SB2152 , SB2438 , SB2982 , SB2528 , SB2919 , SB2446 , SB2315 , SB2544 , SB2060 , SB2069 , SB3011 , SB2342 , SB2075 , SB2578 , SB2580 , SB2835 , SB3084 , SB3322 , SB3053 , SB888 , SB709

Keywords: Dr. David Lassner, higher education, community engagement, university leadership, innovation, Hawaii education system, agribusiness, leasing, agriculture, Hawaii, food innovation, Department of Education, mental health, emerging therapies, psychedelic treatment, task force, clinical trials, trauma recovery, MDMA, psilocybin

Bills: HR207 , SB2595 , SB3199 , SB3132 , SB2591 , SB2089 , SB2108 , SB2970 , SB2530 , SB2442 , SB3076 , SB2532 , SB2721 , SB2055 , SB2312 , SB2152 , SB2438 , SB2982 , SB2528 , SB2919 , SB2446 , SB2315 , SB2544 , SB2060 , SB2069 , SB3011 , SB2342 , SB2075 , SB2578 , SB2580 , SB2835 , SB3084 , SB3322 , SB3053 , SB888 , SB709

Keywords: Dr. David Lassner, higher education, community engagement, university leadership, innovation, Hawaii education system, agribusiness, leasing, agriculture, Hawaii, food innovation, Department of Education, mental health, emerging therapies, psychedelic treatment, task force, clinical trials, trauma recovery, MDMA, psilocybin

Transcript Highlights:

• For example, the commission uses bond financing to provide below-market-rate financing to low-income
• For example, the commission uses bond financing to provide below-market-rate financing to low-income
• For example, the commission uses bond financing to provide below-market-rate financing to low-income
• And the housing finance program and housing finance plan requirements are repealed.
• That already have bank financing but have gaps in their total financing, we could also finance smaller

Bills: HB2118 , HB2236

Committee: House Housing

Keywords: common interest communities, restrictions, property rights, homeowners association, community governance, housing finance, affordable housing, housing commission, state agency, financial assistance, 904, all