Transcript Highlights:

• The amendment also shortens the required distance between the properties and the main line.
• The amendment also shortens the required distance between the properties and the main line from 2,000
• Rosedale-Links residents challenged a substantial dues increase in Manatee County Circuit Court in 2022 and learned

Summary: The Senate Committee on Regulated Industries met with a quorum and considered four bills. First, the committee took up SB 1724 on municipal utility services. A late-filed strike-all amendment by Senator Martin was adopted after he explained it would require annual customer meetings for certain extraterritorial utility customers, cap the use of utility revenues for general government purposes, eliminate a 25% surcharge and reduce the rate differential cap, remove municipal natural gas utilities from the bill, and preserve certain surcharges only as needed to satisfy existing bond covenants. The Florida League of Cities raised implementation concerns about the July 1, 2026 effective date and the time needed for rate studies and budget adjustments, but the bill as amended was reported favorably. The committee then heard SB 936 on temporary door locking devices by Senator McLean. The bill would define temporary door locking devices, authorize their installation at any height, require the Florida Building Commission to add standards to the Florida Building Code, and require their use to be incorporated into safety plans, drills, and training. With no opposition or debate, SB 936 was reported favorably. Next, the committee considered SB 1014 by Senator Mayfield, which would prohibit municipalities from refusing water and wastewater service solely because a property owner declines annexation, if the property is near a municipal main line, not served by another utility, and the utility has capacity. An amendment narrowed the bill by defining “main line” and reducing the distance threshold from 2,000 meters to one-half mile. The Florida League of Cities opposed the bill as amended, citing concerns about large users, possible conflict with annexation law, potential enclave creation, and revenue impacts, but Senator Mayfield said he would continue working on the issues. The committee reported the bill favorably. Finally, Chair Bradley presented SB 1498 on community associations. A strike-all amendment was adopted that made technical changes to video conference recording, turnover inspection reports, and electronic voting, and added provisions requiring associations to provide records to law enforcement and prosecutors, creating a second-degree misdemeanor for willful refusal. It also targeted mandatory club or amenity fee structures controlled by developers or third parties, declaring such provisions against public policy, limiting assessments to proportional expenses, and allowing suits and conveyance of common areas after turnover. Testimony from homeowners described alleged governance abuses and opaque, profit-driven mandatory fees in their communities, while the Community Associations Institute supported the amendment. The committee reported CS for SB 1498 favorably. Members then recorded additional votes for the record, and the meeting adjourned.

Transcript Highlights:

• if I may just a moment, you know, the first thing I was worried about was... you know, the thing I learned
• But I think there's got to be something on approximate distance and... something on approximate distance

Bills: SB210, SB176, SB167, SB244, SB218, SB9, SB153, SB9

Keywords: hospital liens, medical billing, government healthcare, insurance claims, patient rights, controlled substances, unlawful distribution, marijuana, violent offense, sentencing guidelines, criminal justice, DUI, driving under the influence, drunk driving, fatal crash, vehicular homicide, child support, survivor benefits, orphaned child, guardian death

Transcript Highlights:

• We have the privilege of caring for people in rural areas that face distances, particularly this time
• an awful lot from them um the and learn an awful lot from them um the second<00:18:59.039> part
• It is a Center for Learning Health System Science.
• It is a Center for Learning Health System Science.
• It is a Center for Learning Health System Science.

Keywords: 1187, senate, all

Transcript Highlights:

• The purpose behind that was that Congress wanted to separate the short-distance trains and the long-distance
• represents the long-distance network. represents the long-distance network.
• two long-distance trains There's two long-distance trains operating<00:03:02.239> through<00:
• and the short distance trains and the long-distance<00:03:36.640> trains.
• The long-distance in place today.

Keywords: Highways and Transportation - Room 216, January 14, 2026; 10:30 AM, 925, all

Summary: Amtrak officials Todd Stenis and Jeff Mann briefed the committee on Amtrak service in Mississippi, with a focus on the new Mardi Gras state-supported route on the Gulf Coast. They reviewed Amtrak’s national structure, including the distinction between long-distance and state-supported service under PRIIA section 209, and noted that Mississippi is served by the City of New Orleans, the Crescent, and the new Mardi Gras service. They said the Mardi Gras began service on August 18 and operates four trains a day between New Orleans and Mobile with Mississippi stops, supported by Mississippi, Louisiana, and Mobile. The officials reported strong early performance for Mardi Gras, saying ridership had already exceeded 60,000 by the end of December against a 71,000 first-year projection, with about 435 passengers per day and a 64% average load factor. They also cited 86% on-time performance, a 94% customer satisfaction index, and average fares of $27 in coach and $66 in business class. They said the service is benefiting from strong demand, good coordination with host railroads CSX and Norfolk Southern, and planned capital improvements totaling more than $200 million that they said should reduce trip times by 30 to 40 minutes. Committee members responded positively, with Senator Williams praising the train experience and another senator noting personal use of the Mardi Gras service. The presenters invited members to ride the train and described it as a state investment paying off across South Mississippi and the Gulf Coast. After the Amtrak presentation, the committee returned to business and took up one bill, 2019, which would delete the sunset on the provision directing the first $80 million of lottery proceeds to the state highway fund. Senator Blackmon asked for clarification, the chairman confirmed the bill would make the road funding provision permanent, and the committee approved the title and reported the bill out.

Transcript Highlights:

• During my recovery, I had to learn how to walk again and how to feed myself again.
• <00:54:17.560> how During my recovery, I had to learn how During my recovery, I had to learn
• <01:05:10.400> and Again, it's a it's a short distance and Again, it's a it's a short distance
• lessons learned. lessons learned.
• including but not limited to distance including but not limited to distance traveled,<01:50:13.680

Keywords: 928, house, all

Summary: House Transportation opened public hearings on three Senate bills and discussed a fourth scheduling issue. On SB 499, which would change Traffic Safety Commission reporting requirements, the sponsor’s representative said the bill would require annual aggregated data on the causes of traffic collisions in New Hampshire and recommendations to address them. Members asked about the added Trauma Medical Review Committee seat, and a representative explained that it is a longstanding state board of emergency and trauma professionals; the bill had already been amended and passed unanimously earlier in the process. On SB 500, concerning restroom access for certain commercial motor vehicle operators, the sponsor and trucking-industry supporters said the measure arose from concerns raised by female truck drivers and was intended to require larger commercial facilities with available public or employee restrooms to allow truck drivers to use them when there are no public safety concerns. Supporters from the New Hampshire Motor Transport Association said driver shortages make it important to recruit and retain women, and that lack of bathroom access is a significant barrier. Committee members asked about the scope of the problem and whether the issue affected male and female drivers differently. The committee then heard SB 559, which would reduce the minimum allowable speed limit on locally controlled roads. Supporters, including bicyclists and the Bike-Walk Alliance, testified that lower speeds improve safety for pedestrians, cyclists, and drivers, citing personal crash experiences and national guidance supporting lower urban speed limits where warranted by traffic or engineering studies. They emphasized the bill would not mandate lower limits statewide but would give towns local discretion. Members questioned whether the group would support 15 mph limits and how congestion and travel-time concerns were weighed. A Department of Transportation official testified neutrally, saying the agency had no formal position but had concerns about public perception and possible spillover to unnumbered state roads. The chair also noted an earlier scheduling problem that prevented immediate executive action on a bill until later in the day.

Transcript Highlights:

• The Nurse Practices Act did not envision online learning and that's why we have what we think is an anomaly
• in nursing to begin with so there's former military medics who and all these folks choose online learning
• training before entering California's health care workforce but this bill would allow at a state distance
• We empathize with the students who've enrolled in these non-BRN approved nursing distance nursing programs

Keywords: 988, house, all

Transcript Highlights:

• Yes, we learned this yesterday.
• It, it, well, mine's distance, but when I make a call, it takes them a while to respond, but they do
• We appreciate the distance. Um, I say I live in West Texas, but y'all have your own time zone.
• One thing we have learned the hard way is that the federal government cannot do the job of public safety

Bills: HB176, HB180

Keywords: tax, ad valorem, voter-approval, local government finance, property tax, repeal, tax rates, school finance, tax reduction, compressed tax rate, education, funding

Transcript Highlights:

• The members of this committee have learned that the assault on Minnesota is coming on multiple fronts
• The members of this committee have learned that the assault on Minnesota is coming on multiple fronts
• Funds were also case-based learning.
• What we've learned these past few months and again today is hard to fathom.
• And we're learning today in the world.

Keywords: 918, senate, all

Summary: The Select Subcommittee first took up adoption of three previously prepared nonpartisan committee summary reports dated October 15, November 13, and November 21. Senator Rasmusson objected to the lack of advance notice about the day’s testifiers and criticized the practice of having nonpartisan staff summarize what he described as a partisan agenda. The chair responded that the committee’s purpose is to gather information, not hear bills, and that the summaries were intended as neutral resources for the Senate. Senator Coopek moved adoption, the motion was opposed by Rasmusson and another member, and the motion passed. The committee then turned to the day’s hearing on federal impacts on Minnesota, with the chair focusing on federal funding threats and the effect of congressional budget actions on health care, especially in greater Minnesota. The first presentation came from the Minnesota Department of Health on the state’s rural health transformation work. Assistant Commissioner Carol Broom introduced the team and described the rural hospital transformation program as a major opportunity to invest in rural health, while acknowledging longstanding challenges such as demographics, transportation barriers, and the financing of care. Nitha Moibi outlined the state’s rural health chart book and data showing an aging population, workforce shortages, and many health professional shortage areas, and described proposed strategies including workforce pipelines, bridge payments for low-volume birth hospitals, telehealth access points, mental health urgent care, and chronic disease prevention. Acting Assistant Commissioner Anna Ashby of the Minnesota Management and Budget office explained the state’s application to CMS for the Rural Health Transformation Program, which was created in federal law and awarded Minnesota just over $193 million for federal fiscal year 2026. She said the application was shaped by public comments, stakeholder meetings, and legislative outreach, and included initiatives on preventive care, workforce, care access, behavioral health, and provider financial stability. She also reviewed implementation constraints, including a January 30 revised budget deadline, limits on administrative spending, restrictions on using funds to offset Medicaid losses, and the need to show measurable progress to remain eligible for future funding. The presentation noted that most year-one funding would go to rural hospitals, with additional support for federally qualified health centers, community mental health centers, tribal partners, and technical assistance.

Transcript Highlights:

• I think we're 17th from the bottom. distance. But too many patients still distance.
• <00:41:11.520> standards our own time and distance standards our own time and distance standards
• implementing their time and distance implementing their time and distance standards.<00:41:15.440
• meet those time and distance standards. meet those time and distance standards.
• They've learned social skills. They've learned how to interact with other children.

Keywords: 1191, senate, all

Transcript Highlights:

• At that time, I learned how to be involved in politics and government.
• , I also spent time at the Chris Cole Center here in Austin, um, living there for 10 months, uh, learning
• It's in walking distance. I really want this passed. That's awesome.
• So did the agency pivot to try to find a solution and you said that you all learned that they had the
• When the department um DFPS learned that they didn't have to hire additional people to get this done.

Bills: HB 451, HB 645, HB 1041, HB 1151, HB 1155, HB 1536, HCR 12

Keywords: commercial sexual exploitation, child sex trafficking, human trafficking, child welfare, foster care, DFPS, Department of Family and Protective Services, juvenile probation, risk assessment, needs assessment, trauma screening, child abuse prevention, exploitation screening, validated screening tool, evidence-informed tool, conservatorship, juvenile justice, at-risk youth, trafficking prevention, Child Sex Trafficking Prevention Unit

Transcript Highlights:

• And please consider the distance.
• It doesn't say a distance, but if you make it like 1,000 feet or a half mile, that's a big area, you
• And please consider the distance.
• car and please uh consider the distance car and please uh consider the distance it<00:12:36.320>
• I learned to shoot guns when I was 8 years old, and my father always taught us gun safety.

Keywords: 912, senate, all

Summary: The committee first took up SB 547 on water conservation, a deferred agenda item that had already been considered by the other joint committees and received no public testimony. The chair recommended adopting Department of Taxation and Department of Health amendments, passing the bill, and adding a defective date of July 1, 2050. The committee voted to adopt the recommendation; the vice chair voted yes, two senators were excused, and the recommendation was adopted. The main hearing focused on SB 1030, which would define election fraud intimidation to include carrying any firearm or weapon at or near a voter service center, place of deposit, or polling place. Testimony was overwhelmingly opposed, with speakers arguing the bill duplicated existing sensitive-places law, raised Second Amendment concerns, and could create confusion for lawful concealed carry holders using ballot drop boxes. A smaller number of supporters, including gun violence prevention advocates and labor representatives, argued the measure would improve voter safety. The committee heard more than 1,560 total testimonies for the hearing overall, and for SB 1030 staff noted over 10 in support and over 80 in opposition; no vote on SB 1030 was taken in the portion provided. The committee then heard SB 38, which would extend Hawaii’s ban on high-capacity magazines from pistols to any firearm with a detachable magazine over 10 rounds. Supporters, including the Department of Law Enforcement, Moms Demand Action, Everytown, Brady, and other gun violence prevention advocates, said the bill would close a loophole, improve consistency in the law, and reduce the harm caused by mass shootings. Opponents, including gun owners, veterans, and Second Amendment advocates, argued the bill would criminalize lawful owners, be difficult to enforce, and would not reduce crime. The committee reported receiving over 40 testimonies in support and over 400 in opposition. Finally, the committee began SB 401, which would add rifles capable of firing .50 caliber or higher ammunition to the list of prohibited weapons, excluding antiques and muzzle loaders. HPD and Everytown testified in support, describing the weapons as military-grade and dangerous, while Jerry Yuan and others opposed the bill, saying it was overbroad and would sweep in firearms and ammunition types that are not used in crime. The transcript ends during testimony on SB 401, before any committee action or vote on that measure.

Transcript Highlights:

• So this is our quantum learning lab and technician training program.
• So very, very excited about the quantum learning lab.
• I learned a lot of physics, a lot of math. And help me out here.
• But then they learned about the grant offerings from our office.
• In just a few minutes, we'll learn about our off-site tour.

Transcript Highlights:

• The amendment also shortens the required distance between the property and the main line.
• The amendment also shortens the required distance between the property and the main line from 2,000 meters
• residents challenged a substantial dues increase in Manatee Court, 12th District Court, in 2022, and learned

Bills: S0936, S1724, S1014, S1498

Keywords: temporary door locking device, emergency safety, building code, training programs, fire exit security, utility services, municipal agreements, public meetings, rates and fees, public service commission, municipal utility, water service, wastewater service, property owners, annexation, civil action, community associations, condominium, homeowners associations, structural integrity

Summary: The Committee on Regulated Industries met with a quorum and took up four bills. First, it considered SB 1724 on municipal utility services. Senator Martin offered a late-filed delete-everything amendment that would require annual customer meetings for extraterritorial utility customers, cap use of gross utility revenues for general government at 10%, eliminate a 25% surcharge on customers outside city limits, reduce the rate differential cap from 50% to 25%, remove municipal natural gas utilities from the bill, and preserve certain existing bond-related surcharges until debt is retired or refinanced. The League of Cities raised implementation concerns about the July 1, 2026 effective date and the need for rate studies and budget adjustments. The amendment was adopted and the committee reported CS/SB 1724 favorably. The committee then heard SB 936 on temporary door locking devices from Senator McLean. The bill would define temporary door locking devices, allow them to be installed at any height, require the Florida Building Commission to add standards to the Florida Building Code, and require their use to be incorporated into safety plans, drills, and training. With no opposition or amendments, SB 936 was reported favorably. Next, the committee considered SB 1014 by Senator Mayfield, which would prohibit municipalities from refusing water or wastewater service solely because a property owner will not annex, and would require service expansion when a property is near a municipal main line, not served by another utility, and the utility has capacity. A committee amendment narrowed the bill to properties near a main line and reduced the distance threshold from 2,000 meters to one-half mile. The Florida League of Cities opposed the bill as amended, citing concerns about property size, annexation conflicts, enclave creation, and possible revenue impacts, but the bill was reported favorably. Finally, the committee heard SB 1498 on community associations from Chair Bradley. A strike-all amendment revised technical provisions on video conference recordings, turnover inspection reports, SIRS references, and electronic voting, and added two major policy changes: requiring associations to provide records to law enforcement and prosecutors and creating a second-degree misdemeanor for willful refusal, and prohibiting mandatory club or amenity fee schemes controlled by developers or third parties that generate profit beyond proportional expenses. Testimony in support described homeowner disputes involving concentrated board control, lack of transparency, and mandatory fees in communities such as Rosedale. The amendment was adopted and CS/SB 1498 was reported favorably. At the end of the meeting, Senator Bracey Davis asked to be recorded voting in the affirmative on tabs 1, 2, and 3, and the committee adjourned.

Transcript Highlights:

• But what we have learned elsewhere tells us that there needs to be meaningful reforms in this area.
• In that lawsuit, we learned how much data is taken and how that data is stored and used.
• They can operate around the clock and capture all license plates that pass by within a fixed distance
• We learned that the individuals who are processing claims and making decisions for behavioral health
• We learned that the individuals who are processing claims and making decisions for behavioral health

Bills: SB1072, SB1111, SB1114, SB1116, SB1122, SB1179, SB1250, SB1308, SB1455, SB1456, SB1457, SB1487, SB1547, SB1549, SB1551, SB1552

Keywords: reimbursement rates, intellectual disabilities, community services, economic security, funding appropriations, automated license plate readers, law enforcement, privacy, data access, public records, behavioral health, patient brokering, appropriation, state funds, Maricopa County, claims review, medical necessity, American Indian health program, healthcare regulations, healthcare

Summary: The committee first approved the February 3, 2026 minutes and reordered the agenda to accommodate sponsors and speakers. SB 1114, which would appropriate $1 million to the Maricopa County Attorney’s Office to investigate behavioral health patient brokering statewide, was presented as a response to Medicaid fraud and exploitation of vulnerable Native American patients. After brief questions about why Maricopa County would handle statewide oversight, the bill received a do pass recommendation on a 9-0 vote with one member not voting. The committee then took up SB 1111, as amended by a strike-everything amendment regulating automated license plate readers. The amendment limited use to specified law enforcement purposes, required verification of alerts when feasible, imposed data-retention and handling responsibilities on agencies, and created a misdemeanor penalty for unauthorized release of data. Supporters from Phoenix, Tempe, Prescott Valley, the Arizona Chiefs of Police, and the Arizona Sheriffs’ Association argued the bill provides needed statewide guardrails while preserving a valuable investigative tool for missing persons, stolen vehicles, and serious crimes. Opponents from the ACLU, Institute for Justice, and private citizens raised privacy and Fourth Amendment concerns, warning about dragnet surveillance, unclear terms like “legitimate” law enforcement purposes, lack of public access to records, and the risk of misuse for immigration or abortion-related tracking. The committee adopted the amendment and then gave SB 1111 as amended a do pass recommendation on a 7-2 vote, with one not voting. Next, SB 1116, as amended, was approved. The bill requires appeals or adverse determinations on behavioral health claims under AHCCCS fee-for-service to be reviewed by someone with relevant clinical experience, and the amendment broadened the requirement to include medical-necessity denials and specified at least two years of similar clinical experience. Senator Werner said the measure was intended to curb inappropriate denials and improve payment for behavioral health providers serving Native communities. Access was neutral but said the bill’s terms were too broad and could require additional staff; the committee nonetheless adopted the amendment and passed the bill 10-0. Finally, SB 1122, as amended, was approved 10-0. The bill bars AHCCCS from requiring prior authorization for behavioral health services under the American Indian Health Plan, while the amendment prohibited 100% prepayment review and adjusted the corrective-action language. Senator Werner and provider representatives said the measure was needed because providers were being delayed or denied payment, contributing to closures, workforce shortages, and patient brokering. The committee then began hearing SB 1072, a major appropriation to increase reimbursement rates for home- and community-based services for individuals with intellectual and developmental disabilities, with testimony focused on severe caregiver shortages, overtime costs, and unassigned service authorizations.

Transcript Highlights:

• Versus if you were to have two, and you know, perhaps we could learn something from this, but it does
• The largest revenue distribution is the gasoline tax, followed by our weight distance tax, which brings
• The second tranche of increased revenue comes from a 35% increase to the weight distance tax, or about
• I'm always learning. I wanted to go back to her lighting issue.
• And so, that's a soapbox, but something I learned from Senator Maestas...

Transcript Highlights:

• The next item in the bill, and I can appreciate we're kind of learning where we're going, and I'm trying
• But with respect to the people who are here, working here, living here, learning about medicine here,
• But with respect to the people who are here, working here, living here, learning about medicine here,
• I learned how difficult it is for women to be believed and how easy it is for institutions to protect
• And when it failed me, I learned something terrifying. Patients do not lose care first.

Keywords: 996, all

Transcript Highlights:

• And it's important to learn Tewa and have this access, because when you learn the language and you take
• Something that would make me learn... ...Something that would make me learn more advanced is maybe a
• And they can click on them and learn through the process.
• and learns a lot.
• The way I learn is writing it down.

Summary: The committee began with a presentation on the 520 Native American Language and Culture certificate, created to let proficient tribal language and culture speakers teach in K-12 schools without a bachelor’s degree. LESC staff, PED, and HED described the certificate’s statutory basis, the role of tribes and pueblos in setting proficiency standards, and ongoing challenges such as uneven MOAs, limited professional development, rural access barriers, data gaps, and retention concerns. PED said oversight of 520 is moving from the licensure bureau to the Indian Education Division, and HED reported that the tribal education technical assistance centers authorized in 2023 are still in procurement but are expected to be awarded in early 2026. A student, Alonzo Hughes, testified about how learning Tewa from 520-certified teachers helped him understand his culture and speak with elders, and members praised the program’s role in language revitalization and asked about funding, teacher pathways, and whether similar models exist in other states. Committee members then discussed several PED rule updates. Staff reviewed an adopted rule implementing HB 54 on AEDs and cardiac emergency response plans, including staff training requirements and staggered compliance dates, and a proposed rule for school nurse licensure under HB 195 that would create a three-tier system and align nurse pay with teacher pay. They also reviewed proposed changes to the Community Schools Act rule, including a full-time community school coordinator requirement, updated grant language, and broader coalition membership criteria; PED said the broader language would not conflict with the Martinez-Yazzie work. A proposed bilingual teacher rule would standardize coursework requirements, add trans-languaging and culturally relevant curriculum competencies, and allow Native American language certification applicants to demonstrate proficiency using tribal standards. In questions, members raised concerns about AEDs being present at athletic events, the need for the amended school nurse bill to move experienced nurses directly into higher levels, and whether the community schools rule’s broader coalition language could affect current education litigation. Members also asked about funding for 520 programs, teacher residency or cohort models, and how to support advanced language instruction and sustainability. PED said the Indian Education Fund and school budgets can support some of the work, but additional strategic funding and cross-training are needed. The committee also heard that New Mexico’s 520 system is unusually robust compared with other states, and members encouraged staff to present the model at national conferences. The meeting ended with the director’s report, which noted a flat budget request of $2,024,300, staff turnover including Natasha Davalos’s departure, and appreciation for the committee’s work before adjournment for the holidays.

Transcript Highlights:

• and I once had somebody put their hand out of their truck window and slap my tush, so they need to learn
• So the distance, pretty much we are the only printers within distances that makes trucking feasible to
• Mexico have no viable option to be printed within a six- to eight-hour, within a reasonable trucking distance
• alternative. ...affordability for rural and working-class families who have no alternatives to long-distance

Bills: SB251, SB150, SB154, SB73, SB111, SB172, SB76, SB181, SB235

Keywords: horse racing, program training, program owning, state licensing, racehorses, regulation, local news, newspaper printing, journalism, media tax credit, print media, digital news, news publisher, newsprint, press operator, printing industry, local journalism, tax credit, income tax, corporate income tax

Transcript Highlights:

• And I at the geographical distances. And I think that needs to be a huge consideration.
• And so, conceptually, should this be an action item, or is this just a fun topic to talk about or learn
• And then I'd like to learn maybe a little bit about how we would expand or create a program similar to
• Could we learn the data that Miss Bush identified, and so maybe Miss Bush uh indicated that she would
• Uh, we're part of that learning process to tackle this very big issue for the people of Wyoming, but

Keywords: 916, all

Transcript Highlights:

• We did have a day dedicated to learning more about social districts and how it's working in Anoka in
• it it's not a chain from the distance it it's not a chain from the distance between<00:31:53.880
• I've come to learn over the years that the bills you don't want to carry in the legislature are liquor
• :12.800> to bustle to do that and um I have come to bustle to do that and um I have come to learn
• over the years the the bills you learn over the years the the bills you don't<00:40:15.720> want<

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate