Transcript Highlights:

• pool available.
• It would direct that project labor It would direct that project labor agreements<06:44:34.000>
• and uninspired service to the customers. the Federal Fair Labor Standards Act. the Federal Fair Labor
• into a tip pooling situation.
• whether or not you like tip pooling. whether or not you like tip pooling.

Keywords: 1189, house, all

Transcript Highlights:

• TECHNOLOGY INEVITABLY DISRUPTS THE LABOR MARKET AND WHILE THE OVERALL ECONOMY WILL GAIN INDIVIDUAL WORKERS
• A GREAT CAPACITY AND BRING A LOT TO THE TABLE AND BUSINESSES WHO WANT TO MAKE PROFIT LOOK AT THAT POOL
• THIS IS RELEVANT TO FLORIDA BECAUSE FLORIDAIS A SERVICE HEAVY LABOR MARKET.
• BUT THE SECOND WAY WHEN ANSWER YOUR QUESTION IS THAT LIKE ANY POOL IT IS IMPORTANT THAT THE USERS OF
• THE POOL KNOW HOW TO USE THE POOL RESPONSIBLY.

Transcript Highlights:

• I'm supportive of a clean hydrogen pool.
• I'm supported with a clean hydrant pool.
• We have to take that back and ask our labor counsel that. Thank you.
• We have to take that back and ask our labor counsel that. Thank you. Okay.
• The Labor Committee. That ends our committee.

Keywords: 993, senate, all

Summary: The Senate Energy and Telecommunications Committee, chaired by Senator Kevin Parker, met to consider a series of energy, utility, housing, and labor-related bills. The committee discussed Senator Parker’s clean hydrogen bill authorizing NYSERDA to administer programs to fund clean hydrogen projects, with members debating how it would be financed through NYSERDA’s system benefit charge and RGGI funds and whether there should be a fiscal estimate. Despite concerns from some members about cost transparency and the use of ratepayer-supported funds, the bill advanced to the Finance Committee with three without-recommendation votes. The committee also advanced Senator Parker’s bill directing NYSERDA to study hydrogen feasibility, Senator Gonzalez’s Green Affordable Pre-Electrification Program bill, Senator Hinchey’s natural carbon sequestration research program bill, Senator Gineris’s bill increasing penalties for utility annual report failures, Senator Comrie’s EV charging fee transparency bill, and Senator Parker’s battery energy storage workforce and labor standards bill. Senator Comrie’s outage hotline bill moved to third reading, while Senator Parker’s renewable hydrogen center program bill advanced despite a technical objection that a deadline in the bill had already passed, and the battery storage bill was referred to the Labor Committee. Several bills drew specific concerns. On the outage hotline bill, members questioned whether small municipal electric and water systems should be exempted rather than required to petition for an exemption, and one member said they would not support the bill without a carve-out. On the annual report penalty bill, members asked about the lack of documentation for the penalty increase and whether municipal utilities would be affected; the sponsor explained the penalty was updated from a 1900-era statute to reflect inflation and that municipal utilities file with the PSC. On the EV charging transparency bill, a member suggested the bill should also require credit card payment options, not just prohibit mobile-device-only payment. On the battery storage labor bill, members asked whether remote operations would count as on-site work and whether out-of-state remote monitoring would be covered; the sponsor said that was the intent and would follow up with labor counsel on residency questions. The committee concluded by adjourning after moving the listed bills forward.

Transcript Highlights:

• Department of Labor last year. It was approved by the U.S. Department of Labor last year.
• Department of Labor last year. It was approved by the U.S. Department of Labor last year.
• Department of Labor last year. With the intent of voters considering the measure as soon as 2026.
• All of this money is essentially pooled together into one account.
• So any of the interest payments that are, the way that the pooled money works is the interest payments

Keywords: 988, house, all

Transcript Highlights:

• WE'VE GOT A LOT SO ABOUT A MINUTE I THINK. >> MY NAME IS BRENT HANDY, SWIMMING POOL CONTRACTOR AT THE
• JACKSONVILLE FLORIDA AREA, STATE LICENSE FOR 22 YEARS BUILDING SWIMMING POOL.
• AND QUITE FRANKLY WE FEEL IT IS NOT FAIR TO THE SWIMMING POOL CONTRACTORS, STATE CONTRACTORS THE TIME
• THERE'S A LOT OF THINGS THAT GO INTO CONSTRUCTING A SWIMMING POOL BELOW GRADE.
• THANK YOU FOR YOUR TESTIMONY, DALLAS THIESSEN, FLORIDA SWIMMING POOL ASSOCIATION, YOU ARE RECOGNIZED.

Keywords: 999, senate, all

Transcript Highlights:

• So, what Fair Labor Standards Act.
• You keep saying this is for laborers, but there are no labor unions who are testifying for these bills
• ,<00:47:44.079> but keep saying this is for laborers, but keep saying this is for laborers
• <00:47:46.640> uh<00:47:46.800> no<00:47:47.040> labor there there are no laborers
• uh no labor there there are no laborers uh no labor unions<00:47:48.240> who<00:47:48.560>

Keywords: 1183, house

Summary: The committee took up House File 3524 and House File 3525 and laid both over for possible inclusion in the omnibus tax bill, with no amendments adopted and no vote taken at this stage. HF 3524 would conform Minnesota law to the federal overtime tax deduction, and HF 3525 would conform to the federal tip-income deduction. The author argued both bills would help workers keep more of their earnings, simplify tax filing, support labor-force participation, and provide relief to workers in hospitality, trades, health care, and other industries. The committee heard testimony in support from a restaurant owner, Sandra Weiss of the Finnish Beastro in St. Paul, who said the bills would help tipped workers keep more of their income and would support hospitality businesses. She described her staff as roughly half men and half women, including students and long-term employees, and said front-of-house tipped workers and back-of-house workers face different pay levels. She also said Minnesota’s tip rules and lack of a tip credit create challenges for the industry. During questioning, members discussed wage disparities, the makeup of her workforce, and the practical effects of the proposals. Opposition testimony came from Nan Madden of the Minnesota Budget Project and Eric Bernstein of We Make Minnesota, both of whom argued the bills are regressive, poorly targeted, and costly. They said the deductions would mainly benefit higher earners, violate horizontal equity by treating similar incomes differently, and could encourage compensation restructuring. They also warned the combined cost would exceed $500 million over the 2028-29 biennium and could pressure funding for health care, education, and other public services. Mark Havenman of the Minnesota Center for Fiscal Excellence similarly criticized the bills on tax fairness and administrative grounds, noting the federal tip deduction framework is still under development and could create enforcement issues. Nonpartisan staff provided revenue estimates showing HF 3524 would reduce general fund revenue by about $365.9 million in fiscal 2027 and HF 3525 by about $126 million in fiscal 2027, with smaller ongoing impacts in later years. Members also raised questions about how the bills would be paid for and what income would qualify under the overtime deduction.

Transcript Highlights:

• We have 3.3 million small businesses and our labor force is in excess of 15.5 million individuals.
• Infrastructure is one, but the talent pool and having the Texans for the job.
• It is found in the Workers' Compensation Act, and that's actually in the labor code.
• There's also smaller political subdivisions who go into a risk pool.
• I think Texas Association of Counties, Intergovernmental Risk Pool, TML, TAP. SB has one as well.

Keywords: 1184, house, all

Transcript Highlights:

• Representative Warren Ray, Chairman of the Industry, Business, and Labor Committee, moves that the House
• Representative Warrey, Chairman of the Industry, Business and Labor Committee, moves that the House do
• So if you look on each of these budgets now, you'll see a line that says new and vacant FTE pool.
• When I was crunching numbers, I wasn't really looking at the vacant FTE pool as a change.
• Representative Vigesaa: So that's the amount that's going into the pool.

Keywords: 908, all

Summary: The House convened with prayer, the Pledge of Allegiance, and a quorum present, then approved journal corrections and recognized visiting students from Underwood School. The chamber also handled several conference committee appointments after failing to concur with Senate amendments on House bills 1022, 1049, 1229, and 1029, and after the Senate failed to concur on House amendments to Senate bills 2010 and 2113. The House then concurred in or passed a series of amended measures, including House Bills 1481 (dental insurance loss ratio and reporting), 1511 (physician guidance on abortion law, with an emergency clause), 1562 (mandated reporter training), 1197 (correctional facilities study), 1095 (child protective services liaison work group), 1317 (barber licensing board changes), 1549 (corrections facility grants and reentry-related provisions), 1354 (appraiser evaluations), 1374 (open meeting exemption for township supervisors during on-site inspections), 1355 (abbreviated notice for administrative rulemaking), 1025 (advanced nuclear energy study), 1470 (Game and Fish fee changes), 1592 (Lignite Research Council updates), and 1375 (alcohol service/photo ID provisions). Final passage votes were recorded on each bill, with most passing comfortably and some drawing notable opposition, especially HB 1470 and HB 1549. The House spent substantial time on Senate Bill 2011, the Highway Patrol appropriation. Members discussed shifting one-time funding from the general fund to the Electronic Motor Carrier Permit Fund, including body armor, preliminary breath tests, an emergency vehicle course, resurfacing, fleet costs, and handgun/taser replacement, while also noting a federal grant and no new FTEs. Questions focused on salary-line increases and the new-and-vacant FTE pool, with Appropriations explaining that those dollars had been moved back into agency budgets from OMB. The bill passed 84-6. The House also passed Senate Bill 2013, the Commissioner of University and School Lands appropriation, after discussion of Trust Lands operations, unclaimed property staffing, and distributions from the Common Schools Trust Fund; one member was excused for a conflict, and the bill passed 67-22. Senate Bill 2023, the Racing Commission appropriation, passed 65-25 after a brief explanation of the agency’s responsibilities and funding. A major policy debate centered on Senate Bill 2385, which revises mobile home park regulation. Supporters said it creates receivership procedures if a license is revoked, requires clearer tenant notices, limits certain fees, and strengthens protections against eviction and utility overcharges. Two members were excused from voting due to conflicts tied to mobile home park ownership, and the bill passed 84-4. Another extended debate occurred on Senate Bill 2159, which allows the State Energy Research Center to study nuclear-related projects with approval from the Industrial Commission and consultation with the radioactive waste advisory council. Supporters said it is meant to help study advanced nuclear energy while preserving existing prohibitions on high-level radioactive waste storage; opponents raised concerns that the language could weaken prior protections and open the door to waste-related research or storage. The transcript ends during that debate, before a final vote on SB 2159 is shown.

Transcript Highlights:

• pool of available workers. pool of available workers.
• depends on both inflation and labor depends on both inflation and labor market<00:18:46.559>
• Um but that was the our labor force.
• <01:29:37.040> Energy tariffs and labor shortages. Energy tariffs and labor shortages.
• <01:35:24.320> pools talk about some of the other pool pools talk about some of the other

Keywords: 1187, senate, all

Transcript Highlights:

• Department of Labor in 2024.
• Department of Labor in 2024. House Bill 2693 qualifies an association as a bona fide association.
• Why not organizations of volleyball players or other types of pools of people? Mr.
• This does allow smaller employers to pool together.
• Let's expand it broader so that statewide chambers or other statewide business associations can pool

Bills: HB2089, HB2090, HB2092, HB2120, HB2138, HB2173, HB2273, HB2693, HB2786

Keywords: retirement benefits, health insurance, premium payment, Arizona State Retirement System, contingent annuitant, long-term disability, benefits limitations, disability compensation, social security, retirement system, elected officials, ASRS, eligibility waiver, age 65, property tax exemption, disability, veterans, widows, income limits, Arizona Revised Statutes

Summary: The Senate Finance Committee met to consider several bills and two Arizona State Retirement System nominees. It first passed House Bill 2173, which allows taxpayers and tax officers to communicate electronically about proposed property tax corrections or claims, with an acknowledgement required when responses are sent electronically. The committee then recommended confirmation of Thomas J. Connolly and Charles Essex to the ASRS Board, both receiving unanimous or near-unanimous support after brief introductions and no substantive opposition. The committee next approved several ASRS-related bills: House Bill 2089 clarifies that the ASRS health insurance premium subsidy applies only when coverage is not already subsidized; House Bill 2090 changes the disability definition tied to long-term disability benefits by removing the requirement that the 24 months occur within a five-year period; and House Bill 2092 shifts the 30-day waiver window for certain members age 65 or older from the date of hire to the date they become eligible to participate. All three passed on largely party-line or near-unanimous votes. The committee also passed House Bill 2120, with a technical amendment, allowing Social Security Administration disability determination letters to be used to certify eligibility for the property tax exemption for persons with disabilities. House Bill 2693 drew the most debate. It revises Arizona’s bona fide association health plan and multiple employer welfare arrangement provisions to align with ERISA rather than the rescinded 2018 federal AHP rule, and an amendment added a feasibility study by the Arizona Department of Administration on state employee and school district health plans. Supporters argued the bill would expand affordable, voluntary coverage options for small businesses and increase buying power; opponents raised concerns about consumer protections, preexisting conditions, and the history of association health plans. The committee ultimately passed the bill as amended on a 5-1 vote. Later, the committee passed House Bill 2138, which clarifies that workers’ compensation coverage for firefighters traveling directly to or from work applies to state, municipal, fire district, and fire authority firefighters. It also passed House Bill 2273, a one-time $300 income tax rebate for certain Pinal County residents funded from remaining escrowed transportation-related monies; members discussed whether the remaining funds should instead be directed to roads, but the bill advanced on a 3-2 vote. Finally, House Bill 2786 passed unanimously, exempting rental income from required college textbooks from transaction privilege tax under the personal property rental classification.

Transcript Highlights:

• The TML risk pool lawsuits have provided a lot of uncertainty.
• House Bill 5008 seeks to build on that strength by amending the labor code to add TEAS to the list of
• For example, Texas Labor Code section 410 allows an administrative law judge to award benefits to an
• So there's sort of a standing issue that's not addressed by the labor code.
• The other concern I have is that there's nothing in the labor code that allows an administrative law

Bills: HB1654, HB1691, HB2545, HB2652, HB3799, HB4144, HB5008

Keywords: peace officers, firefighters, employment protection, worker's compensation, job security, maximum medical improvement, government employment, firefighter cancer benefits, emergency medical technicians, compensation claims, cancer exposures, firefighting hazards, workforce training, rural development, grant program, job-specific training, Texas Workforce Commission, child care, single-parent, subsidized

Transcript Highlights:

• However, this ability, spreading the risk across the entire risk pool, makes that affordable, and it's
• And we're estimating the 18 months due to the cost of labor, the labor shortage that we're also anticipating
• So there's about $400 million in labor income.
• So there's about $400 million in labor income.
• So there's about 400 million in labor income.

Bills: SB21, SB42, SB81, SB101, SB139

Keywords: SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation, senior health coverage, elderly, retiree, Medicare beneficiaries, preexisting conditions, underwriting restrictions, premium discrimination, New Mexico insurance law, superintendent of insurance, health care coverage, policy portability, healthcare

Transcript Highlights:

• into that pool, and then it was distributed out to the various insurance companies.
• If you get into the risk pool, you have a surcharge, and if you're going to put them in that risk pool
• So the sort of pool of people that existed in that first pre-approval is no longer the same.
• The pool of people that existed in that first pre-approval is no longer the same.
• Food costs are up 29% in the last four years, and labor costs are up 31% in the same time frame.

Keywords: 1187, senate, all

Transcript Highlights:

• um just because it's a smaller pool. um just because it's a smaller pool.
• Let's create this pool, right?
• Fantastic Let's create this pool, right?
• of Labor and Industry violations.
• of Labor and Industry violations. violations. violations.

Bills: HF3794, HF4472, HF4410, HF4347, HF4412, HF4398, HF4397, HF4201, HF4199, HF4203, HF3706, HF4071, HF4120, HF4175, HF4188

Keywords: surveillance, price discrimination, wage discrimination, automated decision systems, consumer protections, data privacy, biometrics, school district health insurance, charter school health benefits, employee benefits, public sector health insurance, health insurance survey, Legislative Budget Office, LBO report, premium costs, retiree coverage, broker commissions, third-party administrator, health plan transparency, health reimbursement arrangement

Transcript Highlights:

• The total employment and the total labor income.
• Poole, yes, please go on. Chairman Halk, members of the committee, my name's Dr. Dwayne Poole.
• Pool, if you want to continue.
• Poole? Interested parties? All right.
• Poole? Interested parties? All right. Dr. Poole, interested parties.

Summary: The meeting began with approval of the prior minutes and opening remarks from NDSU President David Stewart, who emphasized NDSU’s land-grant mission of statewide service through teaching, research, and extension. He highlighted the university’s role in agriculture, water, soil health, and community outreach, and pointed to examples of research commercialization such as Lilac Agriculture’s work on nitrogen-fixing microbes for crops. He also said he is still early in his tenure and intends to spend time listening and learning across the state. The committee then received a detailed presentation on a state irrigation and drainage study from Tom Bodine on behalf of Agriculture Commissioner Doug Goehring. The study estimated that North Dakota could develop about 1.3 million additional irrigated acres, with major potential in counties such as McLean, Williams, Sargent, Burleigh, Mountrail, McKenzie, McIntosh, Dunn, and Bottineau. Testimony stressed the economic benefits of irrigation for crop yields, value-added processing, dairy, and potato production, while members also discussed water availability, aquifers, downstream water use, and the need for more flexible permitting. The drainage portion of the study found significant economic benefits from legal drains, and staff explained that the impacts were calculated through increased productivity and related input purchases. Greg Lardy then gave NDSU’s required agriculture update, saying agriculture accounts for more than $41 billion in annual economic activity, one in five jobs, and about 25 percent of state GDP. He reviewed the role of SBAR, the statewide research-extension network, new crop varieties, virtual fencing, AI and weather-network tools, and Extension’s county partnerships and youth programs. He also outlined NDSU’s priorities for the next session: restoring proposed budget cuts, increasing operating support, and addressing deferred maintenance. Members asked about storage shed construction, NDSU’s relationship with Grand Farm, and whether NDSU could help with water-related research tied to drainage and aquifers. The committee also heard from the North Dakota Water Resources Research Institute and a professor on water and data centers, who described graduate fellowships, a water workforce certificate program, and research on data center cooling, water use, and “Legendary Harvest” concepts that would reuse waste heat for greenhouse or aquaculture production. Questions focused on whether the cooling systems were closed-loop, who would own any related production facilities, and whether the project was still only a feasibility study. Finally, North Dakota AgTech described its NSF-funded “engine” project, saying it has brought millions in federal investment to the state, supported startups and on-farm trials, and is focused on commercialization, workforce development, and helping producers lower input costs and improve profitability.

Transcript Highlights:

• for being here for the second meeting of the Senate Committee for Economic Development, Tourism, and Labor
• Passage of the bill would simply put Kentucky on equal footing with all states that follow federal labor
• <00:04:27.280> law states that follow federal labor law states that follow federal labor law
• labor<00:04:27.919> law<00:04:28.600> as<00:04:28.720> well<00:04:28.880> as
• as other states that labor law as well as other states that have<00:04:29.840> recently<00:04

Keywords: Meeting Start 00:00 Roll Call 00:13 SB 15 Discussion 00:45 SB 15 Vote 08:40 SB 103 Discussion 11:12 SB 103 Vote 29:49, 958, all

Summary: The Senate Committee for Economic Development, Tourism, and Labor heard two bills. Senate Bill 15, sponsored by Sen. Amanda Bledsoe, was presented with testimony from Major League Baseball in support of exempting minor league baseball players from Kentucky wage-and-hour treatment. Witnesses said the bill would preserve the negotiated collective bargaining structure for players, avoid impractical time-tracking requirements, and keep Kentucky aligned with other states. Senators discussed minor league salary levels, the importance of baseball to Kentucky communities, and the bill’s relationship to minimum wage law. The committee then took a roll call vote and passed the bill with unanimous support from members present. The committee next heard Senate Bill 103 from Sen. Danny Carroll, which would require the Office of Vocational Rehabilitation to adopt regulations under Chapter 13A, limit reciprocal agreements with other states until in-state provider contracts are exhausted, establish procedures for service fee memos before a new fiscal year, and require an annual report with operating and financial information. Testimony from community rehabilitation providers and disability advocates emphasized that the bill would increase transparency, protect local providers, and improve services for people with disabilities seeking competitive employment. They said Kentucky has a large disability population, that many working-age individuals with disabilities are not employed, and that better oversight could help address workforce shortages and reduce reliance on public assistance. Senators asked about the disability population, age ranges served, funding, and recent changes to provider rates and selection processes. The committee then voted to pass Senate Bill 103 unanimously.

Transcript Highlights:

• done, Dam 7 showed the most change in those years and showed the biggest risk of failure and loss of pool
• done, Dam 7 showed the most change in those years and showed the biggest risk of failure and loss of pool
• And showed the biggest risk of failure and loss of pool.
• /c><00:24:44.080> every<00:24:44.480> year<00:24:44.960> May<00:24:45.679> Labor
• every year May Labor Day or Memorial<00:24:46.960> Day<00:24:47.200> weekend<00:24:47.600

Keywords: Meeting Start 00:00:00 Attendance Roll Call 00:00:30 Office of the Attorney General 00:01:50 Kentucky River Authority 00:12:50, 958, all

Summary: The Budget Review Subcommittee on General Government met without a quorum at first, then heard an update on child exploitation enforcement efforts from the Office of the Attorney General and the Department of Criminal Investigations. The presenters described the specialized investigation and prosecution unit funded in House Bill 6, saying the added resources allowed them to hire four staff members and expand work on cyber tips, search warrants, arrests, forensic processing, victim advocacy, and training for local law enforcement. They highlighted a recent rescue of a 5-year-old victim from a Discord-related case and said the office had also filed a civil lawsuit against Roblox, alleging the platform lacked adequate age verification and allowed predators access to children. Senators asked about the lawsuit, and the presenters said Kentucky was one of only two states to sue Roblox and that the complaint was based on evidence collected by the office. The committee then received an update from the Kentucky River Authority on lock and dam repairs funded in the 2024-2026 budget. The authority reported progress on three capital projects: upper guide repairs at Locks 2 and 3, design and repair work at Dam 7, and design work to reopen Lock 5 for navigation. Officials explained that river construction is limited by flooding and fish-spawn restrictions, and they described the engineering and safety issues involved in replacing guide walls and repairing Dam 7’s spillway. They also said the authority had demolished three obsolete lockmaster houses and filled a fifth lockmaster position, while continuing to work on pay retention for those employees. Members asked about the transfer of the lock and dam properties from the U.S. Army Corps of Engineers, the permitting process through the Division of Water, and the timeline for reopening navigation. The authority said the Corps had transferred the properties to Kentucky, that permits for river work are handled through the Division of Water and the Army Corps, and that Locks 1 through 4 are open seasonally from Memorial Day weekend through the end of October. Officials said Lock 5 would add 14 miles of navigation if reopened, but that it would still take a few more years before that project is complete.

Bills: SJR50, SJR51, SJR52, SJR53, SJR54, HJR1090, HJR1091, HJR1092, HJR1093, HJR1094, HJR1095, SJR49

Keywords: Medicaid, federal funding, state law, healthcare, low-income adults, Oklahoma Constitution, healthcare regulations, Oklahoma Health Care Authority, permanent rules, joint resolution, OHCA, health care rules, administrative rules, major rule, Title 75, Title 317, Oklahoma Administrative Code, OAC 317:30, health policy, state health programs

Transcript Highlights:

• On page 45, you have the Department of Labor and Industry.
• out of the worker compensation fund, and that is to interact with investigations of Department of Labor

Bills: HF3489, HF3393, HF3785, SF856, HF4006, HF4615, HF3919, HF4591, HF3682, HF4240

Keywords: grooming, child protection, student safety, sexual exploitation, educator licensing, teacher discipline, mandatory reporting, mandated reporter training, school misconduct, predatory offender, child abuse, sexual abuse, sex trafficking, child sexual abuse material, child pornography, position of authority, school employee, school administrator, license revocation, license suspension

Transcript Highlights:

• , agencies, the Department of Labor, agencies, the Department of Labor, Department<01:16:40.480><
• essential care like labor and delivery. essential care like labor and delivery.
• Um, we've done some research since you were labor chair.
• Um, we've done some research since you were labor chair.
• Um, we've done some research since you were labor chair.

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

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.