Video & Transcript Research : 'cost of borrowing'
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TX
Texas 89th Regular
Press Conference: Senator Mayes Middleton Aug 4th, 2025
Texas Senate Floor Meeting
Transcript Highlights:
- And part of that was hearing Riley's story, and one of the things that she said really struck me.
- Many of her teammates were upset.
- Because of the danger involved, but also because of what it said about the erosion of women's protections
- Many of them have long histories. of violent sex offenses, and California has 33.8% of the intended trends
- I know the fear of being unable to escape and of not being heard when you ask for help.
Keywords:
real property, fraud, theft, elderly, disabled, statute of limitations, criminal offense, property rights, property tax, ad valorem tax, voter-approval tax rate, no-new-revenue tax rate, tax rate calculation, Tax Code, local government finance, municipality, county, special taxing unit, sales and use tax, property tax cap
TX
Transcript Highlights:
- Senate Bill 4 relates to the composition of the districts for the election of members of the United States
- House of Representatives from the state of Texas.
- Please join us on this same channel for the next meeting of the Texas Senate.
- On that, we stand in recess pending the receipt of committee reports.
Keywords:
real property, fraud, theft, elderly, disabled, statute of limitations, criminal offense, property rights, property tax, ad valorem tax, voter-approval tax rate, no-new-revenue tax rate, tax rate calculation, Tax Code, local government finance, municipality, county, special taxing unit, sales and use tax, property tax cap
TX
Transcript Highlights:
- I'm the owner of Hunter Industries of Highway and Bridge Contractors.
- Uh, so I've been told that the design bills end up costing a lot more, kind of like when you redo your
- Cost and the other thing you have to look at most of the design build projects time they select the uh
- take care of our customers, take care of the community.
- Uh, increased fuel consumption, higher operating costs of concrete delivery.
Keywords:
transportation, TxDOT, Texas Department of Transportation, road projects, highways, infrastructure, bridge construction, interchanges, corridor improvements, road widening, railroad grade separation, sound barrier, unified transportation program, legislative notice, project prioritization, capital projects, state highway system, Farm-to-Market Roads, San Antonio, Harris County
TX
Transcript Highlights:
- Let me just kind of give you the history of it. Well, first of all, what the purpose of it is.
- of Last session, we passed this same bill out of this committee by a vote of 10 to 1 and it was passed
- And again, the price of a vehicle—your first purchase of a vehicle and the purchase of a vehicle today—there's
- the issue as one of dealer treatment of transactions and lender use.
- Because I know the Secretary of State has a list of voters and all that kind of stuff, and their addresses
Bills:
HB12, HB149, SB229, SB1361, SB1749, SB1897, SB2113, SB2566, SB2677, SB1652, SB2327, SB2344, SB2696
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing
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.
TX
Transcript Highlights:
- You can just go wild, we can move them here and force out of here.
- I'm also the president of the County and District Clerks Association and we are enthusiastic. of this
- So in those type of situations, just in general, it, at, Under the four-year statute of limitations that
- But what happens is, is in the course of that, all of a sudden this. statute of limitations takes place
- Greatly by this type of offense and one of the biggest things I'll just point out briefly is that this
Bills:
SB127, SB456, SB482, SB659, SB739, SB816, SB1234, SB1666, SB1886, SB1980, SB2580, SB2611, SB2693, SB2776
Keywords:
child abuse, reporting obligation, statute of limitations, negligence, legal professionals, human organs, criminal penalties, physician license, medical ethics, illegal trade, smuggling, human trafficking, felony offenses, law enforcement, authorized peace officer, peace officer definition, tracking equipment, communications access, electronic surveillance, cell phone records
TX
Transcript Highlights:
- of you before.
- One of the great aspects of the program is that it is free.
- To qualify for a grant, ten percent of the total project cost must be provided by a source other than
- I'm aware of a number of them. ...that are experiencing that problem.
- vehicles—hopefully tens of millions of vehicles—across North America.
Keywords:
SB 1493, Texas Transportation Code, motor vehicle lighting, vehicle lighting standards, high-mounted stoplamp, center high mount stop lamp, CHMSL, brake light, stop lamp, federal motor vehicle safety standards, 49 C.F.R. 571.108, FMVSS 108, vehicle inspection, automotive compliance, Transportation Committee, Texas vehicle equipment, motor vehicle collision report, crash report, accident report, traffic accident
Summary:
The committee meeting focused on two primary bills, SB1598 and SB1493. SB1598, introduced by Senator Hagen Booth, addresses the clarity of collision report information access for law enforcement, aiming to enhance the tools available to police agencies across Texas for solving crimes. The meeting featured strong support from police representatives, including Sheriff Brian Hawthorne of Chambers County, who emphasized the significance of the CARFAX program for police in facilitating access to vital vehicle information, free of charge. Public testimony reflected a consensus on the necessity of the bill for improved investigatory processes.
TX
Transcript Highlights:
- I'm the Sheriff of Chambers County on Interstate 10, just east of Houston.
- I'm here on behalf of the Sheriff's Association of Texas.
- To qualify for a grant, 10% of the total project costs must be provided by a source other than the state
- To qualify for a grant, 10% of the total project costs must be provided by a source other than the state
- know, hopefully tens of millions of vehicles across America.
Keywords:
SB 1493, Texas Transportation Code, motor vehicle lighting, vehicle lighting standards, high-mounted stoplamp, center high mount stop lamp, CHMSL, brake light, stop lamp, federal motor vehicle safety standards, 49 C.F.R. 571.108, FMVSS 108, vehicle inspection, automotive compliance, Transportation Committee, Texas vehicle equipment, motor vehicle collision report, crash report, accident report, traffic accident
Summary:
The Senate Transportation Committee heard and advanced a wide range of transportation-related bills. Early in the meeting, SB 1598 by Senator Hagenbuch was heard on allowing collision report information to be used and shared more clearly for law enforcement investigations, including through records-management partners and nonconfidential VIN data; the bill drew support from the Sheriff’s Association and Carfax for Police and was left pending before later being reported favorably. SB 1493 by Senator Parker, which would codify DPS’s position on flashing/pulsing stop lamps as compliant with federal standards, also received supportive testimony and was reported favorably. SB 1895 by Senator Perry would designate Loop 88 in Lubbock as a First Responders Memorial Loop and was reported favorably, and SB 1919 and SB 2243 by Senator West, dealing with TxDOT liability claim settlements and TxDMV authority to require VIN inspections for certain trailers, were likewise heard without opposition and later reported favorably. SB 2039, concerning right-of-way and traffic rules for sidewalk users such as bicycles, e-bikes, skateboards, and scooters, was heard and left pending before being reported favorably later in the meeting. SB 2226 by Senator Nichols, reducing the local match requirement for aviation grants in economically disadvantaged counties from 10% to 5%, was discussed with TxDOT testimony explaining how federal and state airport funding interact; it was reported favorably. SB 2499 by Senator Flores, involving memorial markers and an account for donations, and SB 1394 by Senator Hall, concerning concrete truck axle rules, were also reported favorably. The committee recessed after handling the pending items and leaving some additional matters for a later hearing.
A major portion of the meeting focused on SB 2425 by Senator Nichols, a comprehensive bill on commercial autonomous vehicles. The author said the bill was developed through extensive stakeholder meetings with industry, agencies, insurers, and lawyers, and it would require AV companies to provide information to TxDMV, submit first-responder interaction plans to DPS, and allow DPS and DMV to suspend or revoke operations in certain circumstances. The committee substitute also updated definitions, addressed Level 3 systems, clarified commercial use and fleet penalties, and created an expedited process for reinstating operating authority after disputes. Supporters included the Texas Public Policy Foundation, Tesla, GM Cruise, Bot Auto, and the Autonomous Vehicle Industry Association, who said the bill balances innovation and safety and helps Texas remain a leader in AV deployment. One witness opposed the bill, arguing that it would improperly shield manufacturers from liability, but committee members and the industry witnesses said liability would continue to be governed by state law and that the bill was intended to clarify, not eliminate, responsibility. After debate, the committee adopted the substitute and reported SB 2425 favorably on a 6-0 vote.
Throughout the hearing, members asked questions about practical effects and funding. On SB 2226, TxDOT’s aviation director explained that some airports already receive federal and state support and that the bill would mainly help state-only airports in disadvantaged counties that struggle to meet local match requirements. On SB 2425, members asked about reliability metrics, commercialization, and liability; industry witnesses said the technology is still being refined but that Texas’s framework has attracted investment and could improve road safety over time. Several bills were recommended to the local and uncontested calendar after favorable votes, and the committee also agreed to keep motions in writing open briefly for members who were absent, so long as doing so would not change any bill outcomes.
TX
Transcript Highlights:
- on each of those bills.
- of Senate Bill 31.
- women of Texas.
- standards of care.
- Regardless of what side of the issue of abortion you're on, to me, this bill is not really just about
Bills:
SB 31, SB 33, SB 510, SB 871, SB 1868, SB 2024, SB 2166, SB 2309, SB 2880, SJR 27, SJR 39, SJR 40
Keywords:
SB 31, Life of the Mother Act, Texas abortion law, medical emergency, reasonable medical judgment, pregnancy complications, maternal health, life-threatening condition, ectopic pregnancy, spontaneous abortion, miscarriage, unborn child, abortion exception, abortion ban, physician liability, health care liability claim, aiding and abetting, Texas Medical Board, State Bar of Texas, continuing medical education
TX
Bills:
HB109, HB136, HB 109, HB136, HB694, HB 1201, HB1716, HB2071, HB2216, HB2358, HB2807, HB2886, HCR78
Keywords:
taxation, ballot propositions, public funding, voter information, transparency, training, public officials, candidates, requirements, political education, mental health, inpatient psychiatric facility, juvenile treatment, residential treatment facility, emotionally disturbed juveniles, Department of State Health Services, Health and Human Services Commission, state grant, facility construction, facility expansion
TX
Transcript Highlights:
- In front of you tells the story of what led me to file House Bill 18.
- Members of the Public Health Committee, nine of you are from urban areas with a total of 202 hospitals
- Up to four of them will implement the requirements of the academy.
- One of the things that I frequently hear about is the cost, particularly the cost of uncompensated medical
- But because of the huge burden, it's one of the most heavily trafficked areas in Texas, and because of
Bills:
HB18, HB742, HB754, HB1644, HB2187, HB1887, HB 1275, HB37, HB1503, HB1699, HB1700, HB2735, HB1741, HB1731, HB1675, HB18, HB37
Keywords:
rural health, hospital funding, healthcare access, mental health services, financial stability, human trafficking, first responders, health care, training, reporting, protection, trafficking prevention, medical assistant training, health care facilities, hospital compliance, clinic compliance, anti-retaliation, whistleblower protection, employee reporting, good faith report
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part I) Feb 18th, 2025
Business & Commerce
Transcript Highlights:
- significantly increased the cost of federal borrowing.
- In 2024, interest costs on the national debt totaled $881 billion, surpassing most other components of
- Of the fund.
- A recognition of the transformation of currency into the realm of cryptocurrency, and that recognition
- cost.
Keywords:
emergency alerts, weather alerts, public safety, local government, municipality, county, website posting, online notice, emergency management, disaster preparedness, evacuation, National Weather Service, NOAA, Texas Division of Emergency Management, TDEM, localized alerts, hazard warnings, severe weather, watch warning advisory, public information
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Feb 18th, 2025
Business & Commerce
Transcript Highlights:
- A lot of the early adoption of.
- and current chair of the Texas Society of CPAs.
- Increased rates and reduced coverage from private insurers will exacerbate the cost of insurer of last
- They're simply trying to cover their costs and achieve the industry standard practice or goal of covering
- the cost of insurance.
Keywords:
emergency alerts, weather alerts, public safety, local government, municipality, county, website posting, online notice, emergency management, disaster preparedness, evacuation, National Weather Service, NOAA, Texas Division of Emergency Management, TDEM, localized alerts, hazard warnings, severe weather, watch warning advisory, public information
LA
Louisiana 2026 Regular Session
Senate and Governmental Affairs May 6th, 2026
Senate & Governmental Affairs
Transcript Highlights:
- Catherine Newsom, First Assistant Secretary of State, came to the table on behalf of Secretary of State
- Any of them.
- of the superintendent of the Louisiana State Police.
- addition to the delegation of appointing authority from the president of the board of commissioners
- appointing authority from the president of the board of commission of Cephala East for responsibilities
Keywords:
Senate rules, Louisiana Senate, Senate Chamber, smart glasses, recording eyewear, audio recording, video recording, wearable technology, covert recording, legislative security, media access, chamber decorum, Senate President, internal rules, public access, lobbyists, official journal, public notices, competitive bid, Louisiana legislation
LA
Transcript Highlights:
- Just ask for a favor of passage.
- It's a set of three amendments.
- To kind of clarify, I just was full of that. But I don't think that was the intent of the language.
- The original bill did do some of that. The original bill did do some of that.
- The amendments, I hate to say, gutted the bill, but took a lot of the teeth out of the bill.
Keywords:
local sales tax, local use tax, sales and use tax, tax audit, local collector, tax collector, prescriptive period, prescription waiver, interest suspension, delinquency penalties, estimated assessment, arbitrary assessment, certified mail notice, audit notice, taxpayer rights, installment agreement, Louisiana tax law, Title 47, revenue collection, tax administration
Summary:
The Ways and Means Committee met on May 5, 2026, and first considered Senate Bill 436 by Senator Cloud, which revises how annual aviation fuel estimates are calculated for the Aviation Trust Fund. Senator Cloud explained that the fund supports airport and aviation projects and has been supplemented in recent years with general fund dollars because the estimated balance has remained stagnant. The committee adopted amendments allowing DOTD’s Office of Multimodal Commerce to use federal and other public data sources, requiring Revenue to provide annual aviation fuel sales tax collections data, and making a technical change. After a brief question about existing airport disclosure requirements, the bill was reported as amended with support cards entered into the record.
The committee then took up House Bill 1039 by Representative Desotel, dealing with local sales and use tax audit procedures. The bill was presented as a fairness and transparency measure for audits, but members and the author discussed substantial amendments that would remove or modify several provisions. The committee adopted the amendments except for Amendment 4, which would have required private auditing firms contracting with taxing authorities to be domiciled in Louisiana; that language was set aside for further work after concerns it could affect audits conducted outside Louisiana. Members also discussed provisions on waiving prescription periods, suspending interest and penalties by agreement, and concerns about multiple parishes auditing the same business at once. The bill was reported as amended, with several support cards and informational cards entered.
Senate Bill 423 was voluntarily deferred, and there was no other business before the committee. The meeting adjourned after a motion to adjourn was adopted.
OK
Transcript Highlights:
- And if we're able to put in new technology and 40% more efficient lines, I know the initial cost of.
- And some of the numbers I have looked at just for the state of Oklahoma because of the congestion, it's
- More importantly, one of the things that he has done in the past is he served as the chair of the Capital
- This is going to open up a lot of green opportunities for a lot of...
- Place of employment or where they travel and performance of work duties at the discretion of the Corporation
Keywords:
electric utilities, grid congestion, transmission technology, advanced power flow controllers, dynamic line rating, energy efficiency, rural water service, district organization, emergency legislation, Oklahoma, water management, state vehicles, state-owned vehicles, state-leased vehicles, motor vehicle use, commuting use, personal use, fleet management, Corporation Commission, field inspectors
OK
Transcript Highlights:
- And if we're able to put in new technology and 40% more efficient lines, I know the initial cost of,
- of, of, of, I know the initial cost of redoing all these lines to smart technology is, you have a little
- And some of the numbers I have looked at just for the state of Oklahoma, because of the congestion, it's
- So Oklahoma is part of Miles of it.
- of work duties, at the discretion of the Corporation Commission, but does not require it.
Keywords:
electric utilities, grid congestion, transmission technology, advanced power flow controllers, dynamic line rating, energy efficiency, rural water service, district organization, emergency legislation, Oklahoma, water management, state vehicles, state-owned vehicles, state-leased vehicles, motor vehicle use, commuting use, personal use, fleet management, Corporation Commission, field inspectors
Summary:
The committee first considered the nomination of Russell Isaacs to the Oklahoma Water Resources Board. Isaacs described his farming background and experience with cotton, corn, sorghum, and wheat, and said he regularly tests conservation technologies on his farm. Senators discussed his water-conservation experience and the value he could bring to the board. The nomination received 10 ayes and 0 nays and was advanced to the full Senate floor.
Members then took up House Bill 3183, dealing with smart transmission technology and electric grid efficiency. Senator Murdoch explained that the bill had been difficult to negotiate and that the enacting clause was stricken so work could continue on a committee substitute. He said the technology would allow existing transmission towers to carry lighter, more efficient lines, reduce wildfire risk, and potentially lower long-term rates by easing congestion. Senators asked about costs, who pays, and whether ratepayers or large load users would bear the burden; an amendment changed language from “customer funded” to “large load user funded.” The committee adopted the amendment and then passed the bill 7 ayes to 3 nays.
The committee also advanced several nominations and bills related to environmental and energy policy. Steve Mason was confirmed to the Environmental Quality Board by an 8-0 vote. House Bill 4316, which removes an old deadline that prevented nonprofit corporations from converting into water districts and accessing grant funding, passed 8-0. House Bill 4484, allowing discretionary use of state-owned or state-leased vehicles between employees’ homes and workplaces to save mileage costs, passed 9-0. House Bill 3464 created a statewide framework for energy storage and solar facilities; a motion to table an amendment failed, and the bill passed 10-0 after debate over landowner protections, decommissioning, fire safety, and dual-use agricultural concerns.
The committee then passed House Bill 3173, the Well-Repurposing Act, 10-0, to allow orphaned and abandoned wells to be repurposed for geothermal and energy storage uses, with discussion about surface-owner rights and possible tweaks to the geothermal temperature definition. House Bill 3469, a measure easing surety requirements for smaller producers by allowing a stair-stepped compliance schedule, passed 9-0. Finally, House Bill 3989 was amended for drafting corrections and then passed 9-0; it relates to the one-megawatt load standard and uses actual load over a two-year period rather than plate load. The chair ended the meeting by thanking members and staff and adjourning the committee.
MN
Minnesota 2025-2026 Regular Session
House Human Services Finance and Policy Committee 4/15/26
Human Services Finance and Policy
Transcript Highlights:
- <00:03:39.040>
Uh cost of 2.3 million in the tails. Uh cost of 2.3 million in the tails. - c><00:03:51.920>
24.3 has a cost of 24.3 has a cost of 24.3 million<00:03:54.040>in <00 - <00:05:07.760>
of <00:05:07.960>262,000 cost of 262,000 cost of 262,000 in<00:05:10.160 - That has a cost of $996,000 in 26-27 and $2.186 million in 28-29. check compliance which has a cost of
- <00:09:43.040>
of <00:09:44.000>2.247 cost of 2.247 cost of 2.247 million<00:09:45.960>
Keywords:
housing aid, local housing trust, funding projects, income provisions, technical changes, human services, medical assistance, Medicaid, provider enrollment, provider revalidation, fraud prevention, program integrity, background study, background check, fingerprinting, licensing, license revocation, payment withholding, payment suspension, prepayment review
LA
Bills:
HB241, HB267, HB467, HB673, HB744, HB798, HB1026, HB1027, HB1091, HB1096, HB1103, HB1212, HB1230
Keywords:
financial records, consumer protection, banking law, disclosure, service of process, home inspectors, board membership, licensing, term limits, Louisiana State Board, residential roof, coastal zone, fortified roof, building standards, construction code, insurance, hurricane resilience, safety, security cameras, abandoned property
LA
Keywords:
engineering, land surveying, construction, state fire marshal, plan review, contracting services, unsolicited contact, homeowners, penalties, regulations, wholesaling, real estate, earnest money, cancellation rights, residential properties, Louisiana Real Estate Commission, certified public accountant, CPA, accounting board, Louisiana State Board of Certified Public Accountants
AL
Alabama 2026 Regular Session
Alabama House Ethics and Campaign Finance Committee Mar 17th, 2026
Ethics and Campaign Finance
Transcript Highlights:
- three ways to do that and we kind of three ways to do that and we kind of covered<00:01:23.920><
- I just firmly believe in the concept of that as a matter of voting integrity and sound process. vote
- for in the general. some odd 21% of the voting some odd 21% of the voting registered<00:05:02.760>
Secretary of State in terms of Secretary of State in terms of registering<00:11:57.240>- kind of get fully reimbursed.
one
Keywords:
hemp, hemp beverages, psychoactive cannabinoids, psychoactive hemp products, delta-8 THC, delta-9 THC, delta-10 THC, cannabidiol, CBD, intoxicating hemp, hemp-derived THC, cannabis regulation, marijuana alternatives, alcoholic beverage control, ABC Board, licensing, permit, excise tax, age verification, under 21