Video & Transcript Research : 'split payment'
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MN
Minnesota 2025-2026 Regular Session
Improving Housing Affordability and Fraud Protections | Senator Zach Duckworth May 29th, 2026
Minnesota Senate Floor Meeting
Transcript Highlights:
- But in committee, you described it so simply in that um at times when having a down payment is difficult
- This allows people to roll certain fees into their payment over time so they can finance the closing
- 00:02:41.599>
down that um at times when having a down that um at times when having a down payment - This allows people payment is difficult.
- to roll certain fees into their payment to roll certain fees into their payment over<00:02:45.920
Summary:
The discussion focused on two Minnesota Senate bills authored by the senator: Senate File 4168 and Senate File 4652. SF 4168 would give buyers of investment properties more flexibility in financing, including the ability to roll certain closing costs and lender fees into the loan, with the senator emphasizing that the measure is limited to investment properties and is not intended for primary residences. He stressed that the bill is meant to provide options, not force borrowers into any particular structure, and repeatedly distinguished it from predatory lending, saying it has nothing to do with fraudulent or abusive mortgage practices.
SF 4652 addresses fraud prevention at banks by allowing account holders to designate an additional contact person who can be notified if a bank suspects suspicious activity and cannot reach the account owner. The senator described it as a common-sense, no-cost, anti-fraud measure aimed at early detection and protecting both banks and customers. He said fraud is a widespread problem and that the bill would help institutions act quickly when something appears wrong.
The senator said both bills moved quickly because he wanted to get them heard and passed this session, and he noted that he was the sole author on each. He said the bills passed unanimously in both the Senate and the House. In broader comments, he credited bipartisan relationships and committee cooperation for helping the bills advance, and said the session showed House-Senate collaboration on practical legislation, with more political items being pushed toward compromise and further discussion.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Jul 9th, 2025
Transcript Highlights:
- current law, a homeowner that experiences a total loss—so 100% of your property gone—can receive a payment
- This formula can be confusing for policyholders and often leads to insufficient payments for properties
- SB 495 offers a compassionate, practical solution: allow payments of contents coverage without inventory
- Allow payments of contents coverage without inventory and total loss during declared emergencies.
- So yes, if you receive an advance payment for inventory, you would then be required to submit a proof
Summary:
The Assembly Insurance Committee met to hear several bills related to insurance coverage, wildfire risk, workers’ compensation, and paid family leave. SB 8 by Senator Ashby would extend workers’ compensation and disability protections to Sacramento County park rangers, with testimony emphasizing that they perform law-enforcement-like duties and should receive the same protections as comparable officers. SB 429 by Senator Cortese would create a public wildfire catastrophe model and related wildfire safety program, with support from the Department of Insurance and consumer advocates who said public access to modeling data would improve transparency and help evaluate private insurance risk models.
The committee also heard SB 525 by Senator Jones, which would require the FAIR Plan to offer coverage options for manufactured and mobile home owners, including replacement cost coverage. Supporters said the bill would help lower-income residents obtain meaningful insurance protection, while no opposition testified. SB 495 by Senator Allen, as amended, would require insurers to provide a larger contents-coverage advance after a total loss during a declared emergency without requiring an immediate itemized inventory, extend proof-of-loss deadlines, and require insurers to provide catastrophe modeling and reinsurance data to the Department of Insurance. Several insurers withdrew opposition after amendments, and the Department of Insurance and United Policyholders supported the measure.
SB 590 by Senator Durazo would expand paid family leave to cover care for designated persons or chosen family members, with strong support from AARP, labor, civil rights, caregiving, and health organizations, and testimony from a parent describing the need to care for a non-legal family member during surgery recovery. The committee also took up consent items SB 230 and SB 854. After roll calls, SB 8, SB 429, SB 495, SB 525, and SB 590 all received do-pass votes, with SB 429 sent to the Committee on Emergency Management, SB 495 to Judiciary, and SB 525 and SB 590 to Appropriations. The consent calendar bills were also approved, and the committee adjourned.
MN
Minnesota 2025 1st Special Session
Minnesota House passes bill to toughen requirements for repeat DWIs 5/1/25
Minnesota House Floor Meeting
Transcript Highlights:
- So to increase the participation rate, the bill reduces barriers by not requiring payment of a significant
- license reinstatement fee before interlock, though the payment is still required before one completes
- of a significant license payment of a significant license reinstatement<00:04:11.680>
fee <00: - <00:04:14.159>
is <00:04:14.319>still <00:04:14.560>required though the payment - is still required though the payment is still required before<00:04:15.280>
one <00:04:15.519>
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Apr 30th, 2025
Transcript Highlights:
- The bill requires the FAIR Plan to implement automatic payments by April 1, 2026.
- Unlike installment payments, which already include a grace period and multiple notifications to both
- Extending coverage into a new term without payment effectively results in free insurance and exposes
- And I'm astounded that we would talk about not covering gaps in coverage simply because of a payment
- And I'm also astounded that we have to do legislation to get an automatic payment process going.
Summary:
The Assembly Insurance Committee met to consider several bills focused on California’s insurance market, wildfire resilience, and consumer protections. AB 888, the California Safe Homes Act, was heard first. Insurance Commissioner Ricardo Lara and Alabama Insurance Commissioner Mark Fowler testified in support, describing state grant programs that help homeowners harden roofs and create defensible space, with the goal of reducing losses and improving insurance affordability and availability. Supporters from the insurance industry, local government, and the Rebuild Paradise Foundation also backed the bill, and committee members emphasized the need for more incentives for mitigation. The bill passed the committee on a do pass motion and was sent to Appropriations.
AB 290, by Assemblymember Bauer-Kahan, would require the FAIR Plan to offer automatic payments and address non-renewal grace-period issues. The author described her own experience being forced onto the FAIR Plan and facing a large premium increase, while Consumer Federation of California called the bill common-sense consumer protection. The FAIR Plan opposed unless amended, saying it was already handling major wildfire claims and other operational demands and requested more time and changes to the non-renewal grace-period language. Members across the committee supported the bill as a needed modernization measure, and it passed as amended to Appropriations.
AB 1339, by Assemblymember Gonzalez, would direct the Department of Insurance to study insurance availability and pricing for affordable housing providers and report policy recommendations. Supporters from affordable housing organizations said rising premiums were forcing providers to cut services, defer maintenance, and use reserves, threatening housing stability for low-income residents. The bill passed as amended to Appropriations. AB 646, by Assemblymember Wallace, also passed to Appropriations; it concerns disclosure related to motor vehicle protection products and catalytic converter theft deterrence, with support from auto dealers and industry groups. The committee also approved AB 1531 on consent. Members later added on to the record in support of the bills, and the hearing concluded without recorded opposition votes on the measures that advanced.
CA
California 2025-2026 Regular Session
Assembly Budget Committee Apr 10th, 2025
Transcript Highlights:
- They will provide needed funds to ensure that hospitals and providers can receive timely payment and
- So you're saying because of the trends that we're seeing right now and the increase in payments, changes
- through June, is any of this current payment going back to pay that loan that we took out just a month
- So you're saying because of the trends that we're seeing right now and the increase in payments that
- through June, is any of this current payment going back to pay that loan that we took out just a month
Summary:
The Assembly Budget Committee held an informational hearing on SB 100/AB 100, the early action budget bills, with a focus on Medi-Cal funding, wildfire recovery, and several smaller budget adjustments. The Department of Finance explained that the bill would add $2.8 billion General Fund and $8.3 billion federal funds for Medi-Cal, along with other items including wildfire-related local assistance for Los Angeles County, property tax backfills for fire-damaged local agencies, Cal OES wildfire monitoring authority, nonprofit security grants, the Property Tax Postponement Fund, FARMER and Clean Cars for All funding, foster family home insurance claims, Proposition 98 technical assistance for LA wildfire-impacted schools, teacher credentialing authority, and Proposition 4 climate bond appropriations for wildfire and forest resilience projects.
Much of the member discussion centered on rising Medi-Cal costs, the recent $3.4 billion cash-flow loan, and whether the new appropriation would cover payments through June. Finance said the new funds were for program costs and cash flow, not repayment of the loan, and that no additional loan authority remained. Members also debated the causes of higher Medi-Cal spending, including expanded eligibility, higher enrollment, pharmacy costs, and federal policy changes. The LAO noted that forecasting errors are not unusual but that current revisions are somewhat higher than typical, though not unprecedented. Several members emphasized that Medi-Cal supports access to care and hospital stability, while others raised concerns about sustainability and future federal cuts.
Public commenters largely supported the bill, especially the Medi-Cal funding and wildfire-related provisions. Health and labor advocates argued that the program is functioning as intended by covering more low-income Californians and preventing uncompensated care. Representatives of special districts and the Altadena Library District supported the property tax backfill provisions tied to the Eaton fire. The hearing ended without a vote, with the chair noting that the committee would adjourn for floor session and that the Assembly would vote on one of the early action bills later that morning.
MN
Minnesota 2025 1st Special Session
Human Services panel approves bill expanding MN AG's Medicaid fraud unit, HF2354 3/20/25
Minnesota House Floor Meeting
Transcript Highlights:
- administers the Medicaid program, which here is DHS, so we can prosecute it, but we can't turn off payments
- on the front end or bar a certain provider from enrolling with Medicaid or continuing to receive payments
- ><00:04:33.560>
off prosecute it but we can't turn off prosecute it but we can't turn off payments - on the front end or bar a payments on the front end or bar a certain<00:04:35.560>
Provider <00 - we also can't investigate or payments we also can't investigate or prosecute<00:04:41.440>
fraud<
MN
Minnesota 2025 1st Special Session
Investing in Minnesota Housing - Senator Eric Lucero Feb 3rd, 2025
Minnesota Senate Floor Meeting
Transcript Highlights:
- putting pressures on people as they try to become homeowners, whether they come up with that down payment
- to get a loan or whether they come up with the money month over month for the mortgage payment.
- > get<00:02:39.879>
a <00:02:40.000>loan <00:02:40.280>or with that down payment - to get a loan or with that down payment to get a loan or whether<00:02:40.680>
they <00:02:40.840 - so we know these costs are payment so we know these costs are rising<00:02:47.640>
what <00:02
Summary:
Senator Eric Lucero testified about Minnesota’s housing affordability challenges, arguing that rising interest rates, insurance costs, property taxes, and construction expenses are being passed on to renters and homeowners. He said the core problem is supply and demand: demand has risen while supply has not kept pace, in part because fewer homeowners are selling or downsizing. Lucero said the legislature should look for ways to reduce costs without creating major new state expenses, especially in a budget year with a projected deficit.
Lucero highlighted several policy ideas and bills. He said he has introduced a bill to exempt sales tax on building materials, which he argued would lower the final cost of new homes. He also said he is interested in reducing permit costs and examining other factors that affect construction costs, including materials and labor. On insurance and property taxes, he suggested lawmakers should consider reforms or relief measures, while noting that interest rates are largely beyond state control.
The discussion also focused on homeowners associations and common interest communities. Lucero said he has been part of a bipartisan work group for about six months that reviewed public testimony and expert input, and that the group has now issued recommendations. He said he and other legislators plan to turn those recommendations into one or more bipartisan bills aimed at improving transparency, accountability, and reducing costs for homeowners. He closed by saying housing affordability affects everyone and that he believes there is momentum this year for reforms that support homeownership and generational wealth.
MN
Minnesota 2025 1st Special Session
Cmte on Rules - Subcommittee on the Federal Impact on Minnesotans and Economic Stability - 10/15/25
Transcript Highlights:
- <01:08:37.520>
to estimating a loss of payments to estimating a loss of payments to hospitals - So, combined that would be payments.
- <01:15:41.040>
program the Medicaid directed payment program the Medicaid directed payment - <01:15:59.199>
levels phased down to Medicare payment levels phased down to Medicare payment - Out of pocket premium payments coverage.
MN
Minnesota 2025-2026 Regular Session
Committee on Rules and Administration - 05/12/25
Rules and Administration
Transcript Highlights:
- And that is the number one concern of mine, that if we do not get directed payments and support for HCMC
- And that is the number one concern of mine, that if we do not get directed payments and support for HCMC
- And that is the number one concern of mine, that if we do not get directed payments and support for HCMC
- And that is the number one concern of mine, that if we do not get directed payments and support for HCMC
- that if we do not get directed payments that if we do not get directed payments and<00:13:02.600
NH
Transcript Highlights:
- That's when they receive grant payment.
- <00:36:26.880>
And and vendor payments are due. And and vendor payments are due. - They will receive the last payment of the adequacy payment in April.
- only have two two adequacy payments only have two two adequacy payments left.<01:43:54.400>
Are - So they would payment back to the state.
LA
Transcript Highlights:
- , to provide for payment of dental insurance claims to a provider, to provide for applicability, to provide
- pay the dentist by a credit card, which may have a fee involved, the dentist has to opt into that payment
- The dentist has to opt into that payment method.
- Amendment number two removes the language requiring that the dental plan's communication of the payment
- Amendment number two removes the language requiring that the dental plan's communication of the payment
Summary:
The House Insurance Committee met on April 29 with a quorum present and considered several insurance- and health care-related bills. SB 192, concerning dental reimbursement and payment methods, was amended to clarify opt-in for electronic acceptance and then reported as amended. SB 84, which expands prostate cancer screening coverage for men over 40 and bars cost-sharing, was also amended and reported as amended after testimony from the American Cancer Society supporting earlier detection and reduced out-of-pocket barriers. SB 275, dealing with reimbursement and network access for certified registered nurse anesthetists, was reported favorably with broad support from nurse anesthetists, hospitals, and related groups. SB 169, a biomarker testing cleanup bill, was amended to clarify legislative intent and reported as amended.
The committee spent substantial time on two major drug-pricing bills. SB 401 would create a Prescription Drug Affordability Board to study selected prescription drug prices, collect manufacturer and related pricing data, and report findings to the legislature; amendments narrowed the scope, addressed confidentiality, and delayed implementation. Supporters said it would provide transparency similar to Texas and help lawmakers understand drug pricing, while opponents warned about government overreach and confidentiality concerns. SB 387, the companion PBM reform bill, would restrict PBM compensation to flat fees and performance bonuses, require rebate pass-throughs, limit formulary practices, expand audit and reporting requirements, and create enforcement mechanisms; it was amended to delay implementation, refine definitions, and address ERISA-related concerns. Supporters argued it would curb PBM abuses and lower drug costs, while opponents from the Pelican Institute and PCMA said it would interfere with private contracts, reduce flexibility, and could raise premiums. After a roll call vote, SB 387 was reported with amendments.
The committee also took up SB 241, which requires certain insurance adjusters and appraisers to include license numbers in written communications. After amendments narrowing the requirement to individual claims and public adjusters, the bill was reported as amended. Throughout the meeting, members repeatedly raised concerns about unintended consequences, especially for cities, school boards, and other non-ERISA plans, and sponsors said they would continue working on the drug-pricing bills before floor consideration.
NH
New Hampshire 2026 Regular Session
Fiscal Committee (03/20/2026)
Transcript Highlights:
- this fiscal year, I believe that the number was $26 million, which was what was obligated in the payments
- Um, and then the Senate allowed us to go back in and do more aggressive payments.
- And that is why when we the payments.
- Um, and again, just because payments.
- Additionally, the commission should establish a rental payment formula as part of its retail store plan
Summary:
The Joint Fiscal Committee met on March 20, 2026, approved the minutes, and adopted the consent calendar after removing two items for separate discussion: FIS 26048 from the Department of Safety and FIS 26053 from the Department of Environmental Services. The committee then adopted both of those items after brief questioning. Safety explained that a $2 million transfer would reduce its lapse, though it still expected a lapse of just under $4 million. Members, especially Senator Gray, emphasized concern about lapses and the need to track them closely given prior-year shortfalls.
On the Environmental Services item, members discussed the Heavy Falls dam removal. The commissioner said the dam is old, not grounded in bedrock, and does not meet current safety standards, so removal was the practical option because replacement funding was unavailable. He said the aquatic resource mitigation fund and Army Corps of Engineers support made the removal feasible, and that the town had been involved in discussions for years. The committee adopted the item.
The committee also adopted a Department of Transportation item, with staff noting high snowfall and a roughly 25% vacancy rate but saying contractors and bonus incentives had allowed plowing operations to continue. A Judicial Council item was then adopted, with the director saying it would likely be his last appearance this fiscal year. The committee next reviewed information materials on YDC claims administration, where DOJ staff said current spending would leave about a $10 million buffer into the next fiscal year and described reduced staffing and ongoing claims work; no action was taken.
The committee then heard audit presentations for the Liquor Commission and Lottery Commission. The Liquor Commission audit reported seven findings, including a material weakness on reconciliations, issues with NextGen data/reporting, gift and promotional card controls, procurement and leasing practices, and one nonconcurrence on whether certain purchases were exempt from bidding requirements; members discussed whether attorney general review or legislation might be needed. The commission said it had completed a year-end reconciliation and was about 70% reconciled through February. The Lottery Commission audit reported three internal control comments, all concurred with by the lottery, focused on written procedures, filling the controller position, annual risk assessments, disaster recovery testing, user access controls, and training compliance; the lottery said it was hiring to reduce reliance on one employee and had no unresolved findings. The committee took no vote on the audit materials and adjourned after setting the next meeting for April 17 at 11:00 a.m.
NM
New Mexico 2025 Regular Session
IC - Revenue Stabilization and Tax Policy Dec 15th, 2025 at 01:04 pm
Revenue Stabilization & Tax Policy Committee
Transcript Highlights:
- So there's also the issue—it's not only cost, but it's payments.
- Lumpsome payments, especially from the patient compensation fund, are harmful for patients in the long
- And again, that's on medical supplies, coinsurance, copays, deductibles, any kind of cash payments.
- Lump sum payment?
- And they contribute quite a bit of money in tax payments. a bit of money in tax payments—162 billion—because
TX
Transcript Highlights:
- Honest billing errors and payment disputes will no longer be a matter of private contract enforcement
- Hospitals regularly are forced to sue health plans over payment practices.
- You want an example of a low payment?
- The pharmacy got the right payment, but due to a paperwork error, the pharmacy lost it all.
- as payment in full. minus standard, of course, uh, copayments, deductibles.
HI
Transcript Highlights:
- We go ahead and move on to HB 11174, relating to the procedure for payment under protest lawsuits.
- It allows for the interest earned on payments under protest and the litigated claims fund to be paid
- We go ahead and move on to HB 11174, relating to the procedure for payment under protest lawsuits.
- <00:29:20.120>
under interest earned on payments under interest earned on payments under protest - <00:29:28.480>
under refiling and actions the payment under refiling and actions the payment
Summary:
The Judiciary Committee continued hearing several bills. HB 399 would create an additional district court judgeship in the First Circuit; it drew support from the Judiciary, Public Defender, State Bar, Financial Services Association, and others, and there was no opposition. HB 560 would appropriate funds for Judiciary contracts with community-based organizations; many service providers and coalition representatives testified in support, emphasizing the growing gap between contract payments and the actual cost of services, especially for domestic violence, youth, legal aid, and other vulnerable populations. HB 648 would establish a two-year pilot program in the First Circuit probate and family court for guardianship and conservatorship-related resources; the Office of the Public Guardian and disability advocates supported it, while suggesting amendments to clarify that the bill refers to professional evaluations, including psychological, neurocognitive, or functional evaluations, rather than just physicians’ letters.
The committee also heard HB 990, which appropriates funds for claims against the state, with the Attorney General noting 21 claims totaling about $6.5 million plus two additional resolved claims and requesting corrections to identify two matters as judgments rather than settlements. HB 991 would clarify that the Attorney General may conduct FBI fingerprint-based background checks on contractors and employees; it was supported by the Hawaii Criminal Justice Data Center and others, with an amendment to include subcontractors. HB 998 would provide that omissions or errors in citations do not require dismissal or reversal if they do not prejudice the defendant; the Attorney General and Honolulu Prosecutor supported it, while one testifier opposed it, and members discussed whether the language adequately protects due process and how it would apply when identifying information is unavailable.
Finally, HB 1174 would address payment-under-protest lawsuits by allowing interest earned on certain funds to be paid in non-taxation cases if the claimant prevails and by setting procedures for premature filings. After testimony, the committee moved into decision-making and recommended passage of HB 399, HB 560, HB 648, HB 990, HB 991, HB 998, and HB 1174, generally with amendments where noted, including effective-date changes and the requested clarifications. The measures were adopted, and the meeting adjourned.
FL
Florida 2025 Regular Session
January 14, 2025 - 03:30 PM
Transcript Highlights:
- This Legislature also passed last year a way for us to at least make payment adjustments to scholarship
- If we made payments to the scholarship funding organizations, if we made payments to the scholarship
- This legislature also passed last year a way for us to at least make payment adjustments to scholarship
- If we made payments to the scholarship funding organizations, if we made payments to the scholarship
- funding organizations, ...to scholarship funding organizations along the way, that if we made payments
Summary:
The Pre-K through 12 Budget Subcommittee held its first interim meeting, took roll, and established a quorum. Members introduced themselves, many noting backgrounds in education, school boards, local government, or parenting, and Chair Jenna Persons-Mulicka outlined the committee’s goal of building the fiscal year 2025-26 Pre-K-12 budget. She also reviewed the fiscal year 2024-25 education budget, noting that the Pre-K-12 portion totals about $21 billion, with the Florida Education Finance Program (FEFP) as the largest driver, along with major funding for VPK, school readiness, and school recognition. She explained that federal COVID relief funds have ended and that recent school choice legislation has affected budget structure.
Commissioner Manny Diaz and department leaders then gave overviews of their divisions. Diaz highlighted Florida’s education rankings, record graduation rate, progress monitoring, expanded school choice participation, charter school growth, and teacher salary investments, while emphasizing a focus on literacy, math, and early learning. Carrie Miller described the Division of Early Learning’s school readiness and VPK programs, their funding, eligibility, accountability systems, and the importance of kindergarten readiness. Paul Burns outlined the Division of Public Schools’ work on educator quality, literacy, standards, certification, family outreach, federal programs, and school improvement. Suzanne Pridgen reviewed finance and operations functions, including budget management, FEFP calculations, grants, procurement, transportation, and emergency management. Adam Emerson described parental choice programs, including scholarships, charter schools, schools of hope, virtual education, and home education. Darren Norris detailed the Office of Safe Schools’ responsibilities for risk assessments, compliance inspections, threat management, grants, and training created after the Marjory Stoneman Douglas tragedy.
Members asked questions about several issues, including whether the Safe Schools office recommends changes to the school safety grant distribution formula, whether early learning eligibility should shift from federal poverty level to state median income, how scholarship payments are verified to avoid funding students who return to public school, and whether daily attendance systems could improve funding accuracy. Other questions addressed hurricane-related survey disruptions, VPK provider reimbursement rates and instructional hours, teacher salary increases, school start time costs, and how voucher schools handle IEP accommodations. Department officials generally said some issues remain under review, supported moving school readiness eligibility to SMI, noted that scholarship and enrollment data are cross-checked and adjusted when needed, and said progress monitoring now helps schools support mobile students. On school safety, officials said exemptions are allowed in statute for some items but not for classroom doors, and that district-specific conditions matter. No votes were taken and no formal actions were reported beyond receiving presentations and discussion.
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Mar 26th, 2026 at 08:30 am
Oklahoma Senate Floor Meeting
Transcript Highlights:
- through my mind why would they not, if they had access to a second dose, and I don't know in that split
Bills:
SB65, SB248, SB330, SB378, SB844, SB1330, SB1410, SB1475, SB1476, SB1565, SB1618, SB1623, SJR39, SJR47, SB2084, SB1655, SB1679, SB2174, SB1775, SB1873, SB1204, SB1884, SB1916, SB1937, SB1447, SB1500, SB2007, SB2074, SB1944, SB2018, SB1984, SB2026, SB2045, SB2049, SB2062, SB2112, SB2118, SB2127, SB2134, SB2135, SB2139, SB2154, SB1195
Keywords:
SB65, naloxone, Narcan, opioid overdose, overdose reversal, opioid antagonist, emergency opioid antagonist, substance abuse services, harm reduction, public health, overdose prevention, good samaritan, civil immunity, criminal immunity, controlled substances, addiction treatment, fentanyl, opioid crisis, school overdose response, first aid
NM
New Mexico 2026 Regular Session
House - Energy, Environment and Natural Resources Jan 29th, 2026 at 08:32 am
House Energy, Environment & Natural Resources
UT
Utah 2025 Regular Session
Government Operations Interim Committee - November 19, 2025
Government Operations Interim Committee
NH