Video & Transcript : 'overdraft lending' :
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CA
California 2025-2026 Regular Session
Assembly Committee on Economic Development, Growth, and Household Impact Jan 27th, 2026
Economic Development, Growth, and Household Impact
Transcript Highlights:
- So as we look at different rates, I’m going to walk you through different types of lending programs.
- There are also cities and counties that are now doing their own lending programs because they understand
- The state actually has two of their own lending programs through iBank and through the State Treasurer
- ’s Office, Actually has two of their own lending programs through iBank and through the State Treasurer
MO
Missouri 2026 Regular Session
2026 Legislative Session - Day Thirty One - Tuesday, March 3 - Morning Session
Missouri House Floor Meeting
Transcript Highlights:
- And in your opening, you said it lends itself to us teaching literacy. How? Right. So...
- You said it lends itself to us teaching literacy. How? Right. So what would C-plus be?
- How does that lend itself to teaching literacy? And in your defense...
- Lend itself to teaching literacy. And in your defense, like...
- How does that lend itself to improving literacy besides me telling the community and all of this other
MN
Minnesota 2025-2026 Regular Session
Custodial accounts for virtual currency 3/3/26
Minnesota House Floor Meeting
Transcript Highlights:
- continue to rely on the same local institutions they already trust for mortgages, small business lending
- ,</c><00:03:12.800><c> and</c><00:03:13.040><c> financial</c> business lending, and financial business
- lending, and financial guidance.<00:03:14.319><c> At</c><00:03:14.560><c> its</c><00:03:14.800><c> core
- Cloud Financial Credit Union, where I'm the executive vice president and chief lending officer.
- Cloud Financial Credit Union, where I'm the executive vice president and chief lending officer.
MN
Minnesota 2025-2026 Regular Session
Community solar garden named for Melissa Hortman 3/3/26
Minnesota House Floor Meeting
Transcript Highlights:
- You've heard a lot of great and powerful testimony, and I don't need to belabor that, but I did want to lend
- recognition and the credit for the program, we fully support it, and I just appreciate being able to lend
- appreciate<00:36:48.320><c> being</c><00:36:48.560><c> able</c><00:36:48.720><c> to</c><00:36:48.800><c> lend
- </c><00:36:49.040><c> our</c><00:36:49.280><c> voice</c> appreciate being able to lend our voice appreciate
- being able to lend our voice to<00:36:49.760><c> today's</c><00:36:50.240><c> conversation.
MN
Minnesota 2025-2026 Regular Session
Committee on Jobs and Economic Development - 03/03/25
Jobs and Economic Development
Transcript Highlights:
- Part of our business model is making a small earned income off of our lending opportunities on an annual
- Our business model is making a small earned income off of our lending opportunities on an annual basis
- Because it was an asset sale and the bank was willing to lend against the assets of the business, the
- against</c><00:35:15.920><c> the</c><00:35:16.160><c> assets</c><00:35:16.440><c> of</c> willing to lend
- against the assets of willing to lend against the assets of the<00:35:16.800><c> business</c><00:35:
Committee:
Senate Jobs and Economic Development
MN
Minnesota 2025-2026 Regular Session
Committee on Jobs and Economic Development - 02/12/25
Jobs and Economic Development
Transcript Highlights:
- We also provide technical assistance to farmers for land acquisition, training, lending, and machinery
- We also provide technical assistance to farmers for land acquisition, training, lending, and machinery
- We also provide technical assistance to farmers for land acquisition, training, lending, and machinery
- We also provide technical assistance to farmers for land acquisition, training, lending, and machinery
- We also provide technical assistance to farmers for land acquisition, training, lending, and machinery
Committee:
Senate Jobs and Economic Development
MN
Minnesota 2025-2026 Regular Session
Commerce panel votes down bill to regulate digital book contracts for libraries 4/7/26
Minnesota House Floor Meeting
Transcript Highlights:
- He asked, if he buys a digital book, can he lend it to a friend and share that?
- Miss Hawkins then said that, in some cases, you can lend a digital book to a patron or to someone in
- your life, and then you do not have access to it while you are lending it.
- Um, in some cases you can lend a digital Um, in some cases you can lend a digital book<00:35:37.119><
- it and then it comes you are lending it and then it comes back<00:35:45.520><c> to</c><00:35:45.680>
CA
California 2025-2026 Regular Session
Assembly Arts, Entertainment, Sports, and Tourism Committee May 5th, 2026
Transcript Highlights:
- It's not a lending party. This is the school.
- It's not a lending party. This is the school.
- the issues that I hear, but that one, to me—I mean, we protect the military when it comes to payday lending
- And that's when the payday lending company showed up. They promised me the world.
- What the company actually gave me was a predatory lending deal disguised as a marketing contract.
Summary:
The committee held an informational hearing on name, image, and likeness (NIL) and financial literacy for student athletes, with members framing California as a national leader on NIL but emphasizing the need for stronger protections and more consistent education. The chair and witnesses discussed how NIL opportunities now include both third-party endorsement deals and school revenue-sharing arrangements, and how the current landscape varies widely by institution, leaving athletes with a patchwork of rules and support. Several witnesses argued that student athletes, especially younger ones and those from low-income or first-generation backgrounds, are vulnerable to predatory contracts, tax problems, and pressure from family, agents, or lenders.
The first panel featured Tyree Dillingham and Brandon Copeland, who called for standardized financial literacy, better guardrails against predatory NIL advances, and a player-led association or similar collective voice for athletes. They described examples of athletes not understanding paychecks, taxes, or contract terms, and warned that some schools and collectives blur the line between education and marketing. Copeland also argued that college athletics now functions like a professional business and that athletes need representation and a standard contract structure to protect them.
The second panel focused on lived experience, including testimony from attorney Anthony Coronae and student athlete Mikey Williams. Coronae described reviewing a contract that he said functioned like a predatory loan disguised as marketing support, with the company taking exclusive rights to Williams’ NIL and requiring repayment far beyond the advance. Williams testified that he signed without a lawyer, later lost endorsements, scholarship, and housing stability, and only later learned the contract’s consequences. He said a required financial literacy course at Sacramento State helped him begin to understand budgeting, taxes, and contracts, and he urged the legislature to require legal review or stronger safeguards for athletes.
The third panel, from San Diego State University, highlighted a more structured institutional model. Athletic director Brendan Hill described a mandatory four-year life-skills program that includes financial literacy, resume workshops, internships, and branding education, while student athlete Sloan Benchoff said the program helped her manage money and prepare for post-college life. Witnesses agreed that support is uneven across schools, that some agents and lenders are exploiting athletes, and that California should consider standardized financial education and agent regulation while also being careful not to create rules that unintentionally restrict athlete rights. No formal vote or bill action was taken at the hearing.
HI
Transcript Highlights:
- um, for this piece of measure and for the other measures that have been introduced, we just want to lend
- um, for this piece of measure and for the other measures that have been introduced, we just want to lend
- um, for this piece of measure and for the other measures that have been introduced, we just want to lend
- um, for this piece of measure and for the other measures that have been introduced, we just want to lend
- This measure and the other measures that have been introduced, we just want to lend our support and make
Committee:
Senate Agriculture and Environment
Summary:
The joint AEN-HRE hearing focused on HCR 130, HD1, which urges increased and sustained funding for the island invasive species committees and the Hawaii Ant Lab within the University of Hawaii’s Pacific Cooperative Studies Unit. The Department of Agriculture said it supported the intent and noted that ISC funding flows through the Hawaii Invasive Species Council budget item via DLNR, while also describing ongoing collaboration with DLNR and efforts to support ant control work. Testifiers from CAPS, the University of Hawaii, the Oahu Invasive Species Committee, and CARES all supported the resolution, emphasizing that invasive species work is underfunded, that the island committees and Hawaii Ant Lab do critical control, research, outreach, and eradication work, and that sustained resources are needed to plan effectively and respond to priority pests such as little fire ant, coconut rhinoceros beetle, and coqui frog.
A lengthy exchange followed over whether the resolution was meaningful, since it would be urging the state to fund work the Legislature itself controls. Several members argued that a resolution alone has no legal effect and that funding should come through bills and appropriations instead. In response, the Department of Agriculture said its top biosecurity needs are personnel and chemicals, and noted it is building up its plant quarantine and plant pest control divisions with prior funding and HB 427. Oahu Invasive Species Committee representatives said they rely heavily on Hawaii Invasive Species Council grants, have limited soft funding, and need more stable resources; they also pointed to annual reports and prior testimony as documentation of their work.
After a brief recess, the chairs announced they would pass the resolution with amendments to make it more relevant. The amendments changed the title and text to urge the counties, Congress, and other relevant agencies—not the state alone—to provide increased and sustained funding, and added language urging all of those bodies to seek federal grants. The AEN committee then voted to pass HCR 130, HD1, as amended, and the HRE committee also voted to pass it with amendments. The motion was adopted in both committees.
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) May 1st, 2025
Business & Commerce
Transcript Highlights:
- The lending side of the activities, though, are oftentimes relationship-based, and the retail sellers
- might not be a good lender, and so we don't want to—I wouldn't think you'd want to force any kind of lending
- If it's one piece of it or two pieces of it related to having to take any bank or any lending service
Bills:
HB12 , HB149 , HB 12 , HB149 , SB229 , SB1361 , SB1749 , SB1897 , SB2113 , SB2566 , SB2677 , SB1652 , SB2327 , SB2344 , SB2696
Committee:
Senate Business & Commerce
Keywords:
election law, attorney general, prosecution, criminal offenses, law enforcement, jurisdiction, voter fraud, local prosecuting attorney, public safety, communication, governor approval, interoperability, political subdivision, radio systems, artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance
Summary:
The Senate Committee on Business and Commerce heard testimony on HB 149, the Artificial Intelligence Governance Act. Senator Schwertner described the bill as an outcomes-based AI framework that would require disclosure when people interact with AI, prohibit manipulative or social-scoring systems, address biometric capture, discrimination, and deepfake child exploitation, and give the Attorney General enforcement authority. It would also create an AI Sandbox and AI Council. Witnesses from the Texas Public Policy Foundation, a Houston attorney, TechNet, and the Texas Association of Business strongly supported the bill, praising its stakeholder process and pro-innovation approach, while Texas Appleseed suggested regulators should have more examination authority over sandbox participants. The bill was left pending.
The committee then heard SB 229, which would prohibit motor vehicle dealers from conditioning a sale on dealer-offered financing or charging more because a buyer uses outside financing or cash. Senator West said the bill is meant to stop forced financing and bait-and-switch pricing, and he noted the bill passed the committee and Senate in the prior session. The Texas Automobile Dealers Association opposed the bill, arguing it would force dealers to accept any third-party lender or cash transaction on terms they cannot control. The Texas Credit Union Association supported the bill, saying consumers should be able to choose outside financing without hidden fees or pressure. After questions about cash purchases and dealer practices, the bill was left pending.
The committee also took up SB 2566, which would clarify legislators’ access to information from executive agencies, including confidential information, by setting response deadlines, limiting confidentiality agreements to statutory terms, requiring a standard AG form, and creating a complaint and penalty process for noncompliance. No witnesses testified, and the bill was left pending. Finally, SB 1749, as substituted, would let certain court-related employees and judicial conduct commission personnel keep personal information such as home addresses and phone numbers confidential, with work addresses used in place of home addresses for certain purposes. District clerk and judicial conduct commission witnesses described threats and harassment as the reason for the bill, and a court administration witness answered questions about how the address protections would work with voter registration and precinct records. That bill was also left pending, and the committee recessed without further business.
MN
Transcript Highlights:
- I've been asked to supply some data regarding the status of ebook lending and license fees in Minnesota
- ><00:01:40.400><c> status</c><00:01:40.720><c> of</c><00:01:41.040><c> ebook</c><00:01:41.520><c> lending
- </c> regarding the status of ebook lending regarding the status of ebook lending uh,<00:01:42.320><c>
- It prevents agreements that restrict lending or interlibrary loan, limits artificial caps on how often
- :34.480><c> loan,</c><00:12:35.279><c> limits</c> lending or interl loan, limits lending or interl loan
Committee:
House Education Policy
Keywords:
libraries, electronic books, digital audiobooks, licensing agreements, public access, paraprofessional, paraprofessional qualifications, education support staff, teacher aide, teacher assistant, special education, Title I, federal personnel qualifications, Minnesota Department of Education, school district, charter school, cooperative unit, Read Act, reading instruction, math instruction
MN
Minnesota 2025-2026 Regular Session
Agency resources to help veterans' initiatives 3/4/26
Minnesota House Floor Meeting
Transcript Highlights:
- We also feel like in a time of tight fiscal resources, if we can lend our expertise and our network and
- time of tight fiscal resources if<00:04:48.479><c> we</c><00:04:48.639><c> can</c><00:04:48.720><c> lend
- our</c><00:04:49.280><c> expertise</c><00:04:49.759><c> and</c><00:04:50.000><c> our</c> if we can lend
- our expertise and our if we can lend our expertise and our network<00:04:50.560><c> and</c><00:04:50.880
WY
Wyoming 2026 Regular Session
House Corporations, Elections & Political Subdivisions, February 18, 2026
Corporations, Elections & Political Subdivisions
Transcript Highlights:
- The name of the game in mortgage lending always is let's be as clear as possible so that the borrower
- <00:13:28.880><c> game</c><00:13:29.040><c> in</c><00:13:29.279><c> mortgage</c><00:13:29.680><c> lending
- </c><00:13:30.160><c> always</c><00:13:30.480><c> is</c> the game in mortgage lending always is the game
- in mortgage lending always is let's<00:13:31.279><c> be</c><00:13:31.440><c> as</c><00:13:31.600><c>
FL
Florida 2025 Regular Session
FL House Floor Session - 2025-04-15 (4:30PM Session)
Florida House Floor Meeting
Transcript Highlights:
- The bill also prohibits the use of ESG practices in commercial lending for farmers.
- All lending decisions must be made on standard financial practices, not social engineering.
- could be differences of opinion on an issue like this, and I think it's important to just rise and lend
- could be differences of opinion on an issue like this and I think it's important to just rise and lend
Summary:
The Senate opened with a prayer, the Pledge of Allegiance, doctor and gallery introductions, and several recognitions, including USF Day at the Capitol and visitors from Miami Gardens, Teach For America Florida, and Pathways to Prosperity. The chamber then moved to the special order calendar and considered a series of bills, with several measures temporarily postponed and others passed after debate and roll call votes.
The Senate unanimously passed several Open Government Sunset Review bills, including SB 7010 and SB 7008, which preserve public records exemptions related to insolvent insurance company receiverships and financial technology sandbox applications. It also passed SB 1430 on post-judgment execution proceedings for terrorism victims, SB 910 on veterans benefits assistance, SB 796 on general permits for distributed wastewater treatment systems, SB 28 and SB 22 as claims bills involving South Broward Hospital District, SB 8 for relief related to a Pasco County School Board accident, SB 1718 preserving a public records exemption for minors seeking abortions without parental consent, and SB 994 on driver’s license education requirements. SB 832 on former phosphate mining lands also passed, but with two amendments and some opposition.
A major portion of the meeting focused on SB 700, the Department of Agriculture and Consumer Services bill, which included technical updates, restrictions on certain additives in public water systems, limits on ESG practices in farm lending, drone-related penalties, truth-in-labeling provisions for meat, milk, poultry, and eggs, charity registration requirements, agricultural worker housing, and support for FFA and 4-H. The most contentious debate centered on fluoride provisions in the bill: multiple amendments by Senators Berman and Polsky to remove the fluoride language, require targeted fluoride assistance, or order an OPAGA study were all defeated, while a technical amendment by Senator Truenow was adopted. The bill remained on the calendar for third reading after extensive debate and questioning. At the end of the session, the Senate adopted motions to certify passed bills to the House, retain postponed bills on the special order calendar, and return CS for SB 7016 to second reading, then adjourned until April 16.
WA
Washington 2025-2026 Regular Session
Senate Pro Forma Floor Session Feb 25th, 2026
Washington Senate Floor Meeting
Transcript Highlights:
- families and friends; and whereas our Canadian neighbors provide aid to our country in times of crisis, lending
- Canadian neighbors provide aid to our country in times of crisis, lending supplies and volunteers during
Summary:
The Senate convened on Tuesday, February 24, approved the previous day’s Journal without objection, and handled committee referrals. Among the measures referred, engrossed substitute House Bill 2548, concerning health care market standards, was specifically sent to the Committee on Rules rather than the committee listed in the standing committee report. The chamber also received supplemental committee reports later in the day, including Senate Bill 5998, the operating budget supplemental, and House Bill 2664, both referred to Rules.
The main floor action was consideration of Senate Resolution 8696, which recognizes Washington’s interconnected relationship with Canada. The resolution highlighted economic, cultural, environmental, and border-community ties, including trade, shared infrastructure and energy links, cross-border family connections, tribal and First Nations relationships, and cooperation on issues such as climate policy, disaster response, and scientific research. Senators Schumake, Short, and Slatter spoke in support, emphasizing border communities, shared natural resources, research partnerships, and the long-standing friendship between Washington and Canada. The resolution was adopted by voice vote.
After adoption, the Senate recognized visiting Canadian and regional officials and representatives, including the Canadian Consul General in Seattle, the Consulate’s trade commissioner, Quebec’s delegate in Seattle, the Mayor of Blaine, and Western Washington University representatives. The Senate then went at ease, later reconvened briefly to process the supplemental committee reports, and adjourned without objection until Thursday, February 26 at 10:00 a.m.
AZ
Transcript Highlights:
- The gold is not lending. work through the chair if you haven't done that before and then you've got two
- The gold is not lending.
CA
Transcript Highlights:
- Recently relocated to Seattle, Washington, so I came down to lend my voice.
- Those who are at the closest proximity to the issues, having their experiences, lend to the solutions
- And then, obviously, my background quite lends itself to being the Administrative Services Director.
- Obviously, my background quite lends itself to being the Administrative Services Director.
- even though if you're looking at peer numbers, the population may, and I'm using this thing, quote, lend
Committee:
Senate Rules
Summary:
The Senate Committee on Rules first handled several routine items, including governor’s appointments not required to appear, references to bills, and floor acknowledgments. The committee approved the appointments of Heather Lynn Gonzalez and Allison Salton-Sall to the Court Reporters Board, and then moved on to appointments required to appear from the Department of Corrections and Rehabilitation (CDCR). Kathleen Ratliff and Joseph Tuggle, both proposed associate directors in CDCR’s Division of Adult Institutions, testified about their backgrounds and emphasized staff safety, rehabilitation, trauma-informed practices, and the California model. Senators focused heavily on the rollout of the California model, the August 2024 use-of-force incident at Central California Women’s Facility, sexual abuse prevention, retaliation concerns, and prison visitation. Both nominees said the department had improved communication and training, had disciplined or removed staff in response to misconduct, and was working to strengthen PREA reporting, investigations, and family visiting consistency. Public testimony was strongly supportive, and the committee voted 4-0 to send both nominations to the Senate floor.
The committee then heard from Jason Johnson, nominated as CDCR Undersecretary of Operations. Johnson framed his work around rehabilitation, public safety, and culture change, and addressed concerns raised in late opposition letters and a lawsuit alleging retaliation, hostile work environment, discrimination, and whistleblower issues. He said he could not discuss pending litigation in detail, but described his leadership as focused on accountability, professional standards, and improving relationships with staff and community partners. Senators questioned him about parole supervision, risk assessment, contraband interdiction, and the Prison Rape Elimination Act response; Johnson said adult parole uses risk-based supervision and GPS for registered sex offenders, operations is working with correctional safety and law enforcement on contraband and drone interdiction, and CDCR continues to expand reporting channels and training. The committee also discussed the importance of rehabilitation and reentry programs, with Johnson saying most people return to the community and that CDCR must prepare them for successful reintegration.
MN
Minnesota 2025-2026 Regular Session
Committee on Housing and Homelessness Prevention - 03/05/26
Housing and Homelessness Prevention
Transcript Highlights:
- And then, in those times, all the lending institutions overnight locked the credit.
- Nobody was able to get approved for lending. You had to have great credit, and the ability.
- institutions overnight locked lending institutions overnight locked the<00:24:46.320><c> credit.
- Nobody was able to get approved<00:24:49.480><c> for</c><00:24:50.200><c> lending.
- </c> approved for lending. approved for lending.
Committee:
Senate Housing and Homelessness Prevention
CA
California 2025-2026 Regular Session
Assembly Judiciary Committee Jul 15th, 2025
Transcript Highlights:
- We've passed five such bills, starting with the Truth in Lending Bill in 2018.
- I'm the executive director of the Responsible Business Lending Coalition.
- consumer lending, and it's already the law in New York.
- CSLB does not oversee lenders or lending practices.
- CSLB does not oversee lenders or lending practices.
Summary:
The committee heard testimony on several bills, beginning with SB 41 by Senator Wiener, which would regulate pharmacy benefit managers by increasing transparency, banning patient steering and spread pricing, and requiring full pass-through of rebates. Supporters, including independent pharmacists and health advocates, said PBM practices are driving up drug costs and closing neighborhood pharmacies. Opponents from PBM and health plan groups argued the bill overlaps with recently enacted licensing and reporting requirements, would not lower consumer prices, and may be preempted by ERISA. Members discussed confidentiality issues, consumer savings, and the relationship between SB 41 and the new budget trailer bill; the author asked for an aye vote.
The committee then took up SB 378, also by Senator Wiener, aimed at online marketplaces that advertise illegal intoxicating hemp and unlicensed cannabis products. Supporters from labor, public health, and the licensed cannabis industry said online sales are undermining regulated businesses and exposing children to unsafe products. Opponents from tech and hemp industry groups warned the bill is overbroad, could sweep in general-purpose platforms and lawful hemp wellness products, and raises Dormant Commerce Clause and First Amendment concerns. The author said he would narrow the bill, remove industrial hemp references, and address strict liability and standing issues; members largely focused on how to target illegal products without capturing lawful marketplaces.
SB 243 by Senator Padilla addressed AI companion chatbots, with supporters including Common Sense Media and transparency advocates warning that these systems can be addictive, manipulative, and dangerous for minors and vulnerable users, citing studies and the death of a Florida teenager. The bill would require disclosures, anti-addiction design limits, self-harm protocols, audits, reporting, and a private right of action. Tech and business groups opposed the measure as overly broad and said its definitions could sweep in general-purpose AI tools; several members supported the goal but questioned the breadth of the definitions and the private right of action.
Finally, SB 522 by Senator Wahab would extend just-cause eviction protections to rental units that were previously covered by the Tenant Protection Act but were destroyed in disasters and later rebuilt. Supporters, including Los Angeles city officials and tenant advocates, said the bill would help keep displaced renters housed after wildfires and other disasters. Apartment and realtor groups opposed it, arguing it would remove a key exemption needed to finance rebuilding and could discourage post-disaster reconstruction. Members expressed support for tenant protections in disaster areas, and the author asked for an aye vote.
KY
Kentucky 2025 Regular Session
Budget Review Subcommittee on Transportation (10-15-25)
Transcript Highlights:
- look at not only is the thing that you're constructing complex, but it does have other things that lend
- can take into account the capabilities of a particular contractor. it does it have other things that lend
- it does it have other things that lend to<00:13:27.519><c> that</c><00:13:27.760><c> being</c><00:13
- so, uh, and they may have experiences working either here in Kentucky or in other places that might lend
- </c> not every project is going to lend not every project is going to lend itself<00:15:43.279><c> well
Summary:
The Budget Review Subcommittee on Transportation met without a quorum, so it could not approve the minutes. The chair announced an Eastern Kentucky University health forum later that day and then proceeded with testimony on alternative delivery methods for road projects. Jason Sawala of the Kentucky Transportation Cabinet and Chad Laroo of the Kentucky Association of Highway Contractors were sworn in and introduced themselves.
Sawala explained KYTC’s use of alternative delivery tools, including design-build, construction manager/general contractor (CMGC), and public-private partnerships (P3s). He said the cabinet’s goal is to deliver the best value to taxpayers in terms of quality, cost, and time, and emphasized that alternative delivery is most useful on projects with special circumstances such as innovation needs, specialized technology, complex constructibility, schedule pressure, or early contractor input. He cited the cabinet’s wrong-way driving prevention project as an example where design-build helped evaluate technologies and coordinate with stakeholders such as EMS and first responders.
He also outlined the main tradeoffs: alternative delivery can improve collaboration and sometimes accelerate schedules, but it also brings risks related to right-of-way acquisition, utility relocation, changing scope, and the need for dedicated staff and compressed decision-making. He stressed that these methods are not a cure-all and are not appropriate for every project, while noting that traditional design-bid-build remains effective for most of KYTC’s work.
Representative Branscum responded favorably, saying early contractor involvement is valuable and consistent with his experience in the vertical construction world. No votes or formal actions were taken because the committee lacked a quorum.