Video & Transcript Research : 'cost of borrowing'

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FL

Florida 2025 Regular Session

Senate in Session Apr 15th, 2025

Florida Senate Floor Meeting

Transcript Highlights:
  • A MEMBER OF THIS ASSOCIATION OF FLORIDA UNIVERSITIES, THE FIFTH YOUNGEST SCHOOL INVITED, ONE OF TWO IN
  • AS A SPONSOR OF ALL OF THE COVID MANDATE PACKAGES IN THE SPECIAL SESSION OF YOU, FALL TO GO.
  • OTHERWISE, SOME OF THESE INDIVIDUALS WE KNOW WILL END UP IN THE EMERGENCY ROOM AND IT WILL COST US MORE
  • SENATOR TRUENOW, I DON'T THINK THE COST IS THAT MUCH OF A VARIABLE TO CAUSE THEM ANY BURDEN.
  • SENATOR SMITH: Valuable for us to understand the potential costs to the state of Florida if fluoride
Bills: SJR39, SB22, SB30, SB33, SB34, SB37, SB75, SB209, SB310, SB505, SB552, SB618, SB626, SB636, SB732, SB747, SB762, SB769, SB819, SB825, SB870, SB926, SB964, SB1030, SB1080, SB1099, SB1124, SB1177, SB1208, SB1233, SB1314, SB1325, SB1333, SB1405, SB1455, SB1506, SB1524, SB1541, SB1577, SB1579, SB1596, SB1646, SB1667, SB1727, SB1750, SB1758, SB1760, SB1791, SB1804, SB1806, SB1869, SB1923, SB1927, SB1951, SB1960, SB1962, SB2023, SB2024, SB2056, SB2078, SB2122, SB2129, SB2180, SB2183, SB2185, SB2207, SB2252, SB2361, SB2365, SB2368, SB2405, SB2411, SB2420, SB2425, SB2569, SB2717, SJR36, SJR50, SJR39, SJR63, SJR68, SCR12, SCR39, SCR38, SCR37, SCR42, SCR29, SB762, SB1596, SB62, SB666, SB847, SB284, SB854, SB1073, SB810, SB1539, SB1505, SB583, SB957, SB1502, SB507, SB1026, SB1349, SB1433, SB1434, SB310, SB505, SB264, SB1364, SB1376, SB1585, SB1772, SB2016, SB1163, SB619, SB1122, SB1877, SB732, SB731, SB397, SB508, SB1333, SB1436, SB964, SB287, SB2143, SB261, SB1247, SB1882, SB618, SB393, SB2243, SB2226, SB1919, SB1791, SB22, SB651, SB1080, SB826, SB1079, SB1243, SB1504, SB1851, SB1879, SB2237, SB1257, SB2034, SB1522, SB1151, SB596, SB1191, SB226, SB570, SB870, SB991, SB60, SB1401, SB1728, SB586, SB529, SB217, SB209, SB1923, SB1839, SB387, SB1874, SB1872, SB1873, SB1921, SB1883, SB1620, SB1838, SB2024, SB2429, SB1999, SB511, SB2309, SB2166, SB510, SB33, SB2420, SB1860, SB1541, SB1314, SB1398, SB1869, SB1750, SB855, SB1233, SB2425, SB2037, SB1758, SB1759, SB2365, SB1924, SB1818, SB1405, SB1762, SB1968, SB1977, SB2077, SB2321, SB1662, SB1663, SB2124, SB2204, SB1855, SB863, SB37, SB819, SB2078, SB2252, SB1962, SB2253, SB825, SB1577, SB1184, SB2018, SB2206, SB1901, SB1030, SB2368, SB1963, SB1960, SB1643, SB1625, SB1299, SB841, SB668, SB584, SB231, SB2411, SB1085, SB2431, SB2231, SB1490, SB530, SB34, SB1261, SB552, SB1099, SB1646, SB2180, SB1804, SB1937, SB1936, SB2569, SB1372, SB1208, SB1124, SB1506, SB1806, SB1868, SB2361, SB2314, SB769, SB1409, SB2122, SB434, SB1214, SB1951, SB2183, SB2046, SB1667, SB1870, SB1727, SB2405, SB2127, SB1975, SB1760, SB1734, SB1335, SB2066, SB2129, SB2246, SB2439, SB1624, SB1244, SB1468, SB2717, SB1612, SB1262, SB604, SB2395, SB2185, SB1832, SB1745, SB1746, SB2207, SB2023, SB1784, SB1524, SB626, SB528, SB437, SB269, SB1137, SB968, SB636, SB747, SB1325, SB1789, SB1455, SB2056, SB75, SB1940, SB2052, SB1927, SB2010, SB1579, SB2068, SB3034, SB844, SB1920, SB1177, SB1558, SB1236, SB1044, SB926, SB884, SB463, SB331, SB227, SB240, SB517, SB1200, SB1410, SB1626, SB1845, SB1863, SB2216, SB2681, SB1717, SB2053, SB546, SB2141, SB2949, SB2323, SB2200, SB2332, SB2199, SB1642, SB1150, SB1757, SB2050, SB1138, SB2051, SB2626, SB2458, SB1864, SB30, SB2201, SB1862, SB1583, SB1583, SB1055, SB2660, SB1898, SB2662, SB2662, SB2161, SB2161, SB2964, SB2881, SB1065, SB1065, SB801, SB2743, SB2533, SB2533, SB1413, SB1413, SB1, SB34, SB310, SB819, SB1030, SB1124, SB1208, SB1233, SB1333, SB1405, SB1541, SB1750, SB1758, SB1869, SB2078, SB2365, SB2411, SB762, SB33, SB37, SB505, SR402, SR409, SB2695, SB2695
KY

Kentucky 2026 Regular Session

Interim Joint Committee on Appropriations & Revenue. (7-1-26)

Appropriations & Revenue

Transcript Highlights:
  • <00:04:46.320> the cost increases that are out of the cost increases that are out of the agency's
  • <00:42:44.360> of that have started where the cost of that have started where the cost of
  • a lot of time on construction<00:56:27.960> costs.
  • the cost of providing CT services. the cost of providing CT services.
  • providing for excess costs of programs. providing for excess costs of programs.
MN

Minnesota 2025-2026 Regular Session

House Education Policy Committee 3/17/26

Education Policy

Transcript Highlights:
  • the the board of directors uh of the the board of directors uh of the proposed<00:20:45.600> action
  • of income and expenditures, review of of income and expenditures, review of change<00:25:10.000>
  • So the majority of the uh of the 19.
  • of this information about why, you know, maybe some of the trends of the decreasing number of authorizers
  • > of<00:45:20.160> January Department of Education as of January Department of Education
Bills: HF3487, HF3421
AL

Alabama 2026 Regular Session

Alabama House Agriculture and Forestry Committee Feb 5th, 2026

Agriculture and Forestry

Transcript Highlights:
  • I on behalf of the citizens of Alabama.
  • of them, and could do that any way ADEM thinks is fit for the purposes of the folks of this state.
  • <00:22:20.240> would consumption of of those deer that would consumption of of those deer
  • of standards.
  • cause of it, what's the direct cause of cause of it, what's the direct cause of [clears throat]
Bills: SB71, SB71
KY
Transcript Highlights:
  • The at an estimated cost of 25 million.
  • always cover co the total cost of care. always cover co the total cost of care.
  • Sometimes CMS total cost of care.
  • <00:42:44.079> of reimbursements can cover the cost of reimbursements can cover the cost of
  • veterans at a cost of 22 million and veterans at a cost of 22 million and reaching<00:43:26.880>
Summary: The committee first approved the minutes from the November 13, 2025 meeting and then heard testimony from Quarter Hill, the tolling subcontractor for RiverLink on the Indiana-Kentucky bridge system. Quarter Hill described its role in back-office support and call center operations for the Lincoln, Kennedy, and Lewis and Clark bridges, and said the contract began in 2021 with go-live in September 2023. The company reported that revenue has increased since it took over, customer service response times have improved, and it has been operating at a loss because the contract was based on outdated transaction estimates and did not account for higher-than-expected volume and added support costs. Members questioned Quarter Hill about the role of consultants, the low reported collection rate, and why the company was leaving the contract. Quarter Hill said a single large consulting engineering firm had been hired to help shape the RFP and contract, but argued that consultants and overly detailed requirements can create disputes and hinder efficient service. On collection rates, the company said the reported 85% rate reflects the absence of registration holds and other enforcement tools, and that the remaining unpaid tolls are the hardest to collect. The company also said it had lost significant money on the contract and had reached a change order and termination agreement, while emphasizing that the system itself was functioning well. The committee then received a staff report on Kentucky veterans centers. Staff said quality of care is generally high and staffing has improved, but reported occupancy figures are misleading because they are based on certified beds rather than functional capacity after conversions to single-occupancy rooms and capital projects. The report said actual occupancy is closer to 85% than the commonly reported 56%, and that increasing occupancy would not necessarily increase revenue because the state’s cost of care exceeds reimbursement and private-pay revenue. Recommendations included adopting functional occupancy reporting, continuing the move to single-occupancy rooms, reviewing modernization needs at Thompson Hood, including Eastern Kentucky in planning, and referring the Radcliffe HVAC procurement and installation to the Auditor of Public Accounts and Attorney General for review.
FL

Florida 2026 Regular Session

Banking and Insurance Jan 13th, 2026

Banking and Insurance

Transcript Highlights:
  • So in a time of rising insurance premiums and decreased accessibility of health care, these low-cost
  • It's an electronic tool that uses a database of costs from the insurance company history.
  • Okay, I read the newspaper today, and there's a push to reduce the cost of insurance.
  • That's going to reduce the value of homes for older people, the value, the cost of insurance by more
  • As we know, the cost of living is increasing throughout our state.
Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.
KY
Transcript Highlights:
  • federal student loan system and programs as well as reduce the cost of higher education overall.
  • When it comes to the impact on states, it's outside of education really, and that's the cost shifts that
  • We've seen proposals from both Medicaid and SNAP that would change the cost-share model of both of those
  • <01:19:56.159> of<01:19:56.320> higher<01:19:56.640> education reduce the cost
  • of higher education reduce the cost of higher education overall.<01:19:57.679> And<01:19:57.840
Summary: The Interim Joint Committee on Education met for its first interim meeting and established a quorum before taking up its first topic, Kentucky’s new assessment and accountability model. Commissioner Robbie Fletcher, joined by KDE staff and superintendents, described a multi-year effort involving the Kentucky “Now We Learn” Council, more than 50 educators and stakeholders, at least 18 pilot districts, surveys, focus groups, town halls, and four prototype frameworks. He emphasized three priorities for the new model: vibrant learning experiences, innovation in assessment, and collaboration with communities. Fletcher said the state accountability portion would continue to meet federal requirements and identify CSI/TSI/ATSI schools, while shifting toward more emphasis on individual student growth, grade-level equivalency in reading and math, career and technical education, graduation rate, and English language proficiency. He also said science would remain a required assessment but be reported separately rather than counted in the CSI/TSI calculation. He stressed that the model should focus on growth, local flexibility, and meaningful measures that reflect community expectations, while still preserving a statewide framework. The committee also heard from Bullitt County superintendent Jesse Bacon, who described his district’s local accountability work. He said Bullitt County formed a community coalition with broad representation from across the district, business leaders, and community members, met six times during the school year, and worked toward a public-facing dashboard that would show community expectations, evidence of accountability, and areas for improvement. Bacon said the district identified six community-defined pillars, beginning with student learning and foundational academic knowledge, as part of a system intended to communicate strengths and improvement areas to the public.
TX

Texas 89th Regular

Higher Education Apr 29th, 2025

Higher Education

Transcript Highlights:
  • I had to purchase, like I said, not just cover the cost of tuition of in-state tuition. but also pay
  • What are some of the costs associated with that applicant?
  • Not only is the cost of... tuition higher than in 1999.
  • If one of my former students had to apply for citizenship, the cost of that... that would be astronomical
  • HB 232 guarantees that thousands of Texans will not pursue an education because the cost of education
Bills: HB232
KY
Transcript Highlights:
  • Now, the state, the Commonwealth, pays by statute for the actual cost of that application of sick leave
  • the actual cost toward this application of sick leave for retirement salary credit.
  • ><00:53:38.559> cost<00:53:39.160> voluntarily paying most of that cost voluntarily paying
  • Bo explained that one aspect of the federal legislation was that the out-of-pocket cost for prescription
  • In fact, it affects a smaller number of members, and for those individuals, costs will go up.
Summary: The meeting opened with the Pledge of Allegiance and prayer, followed by a roll call confirming a quorum and approval of the prior minutes. A special guest, Dave Eager, was welcomed before the committee moved to presentations from retirement system officials. Bo Craycraft, executive director of the Judicial Form Retirement System, gave a quarterly update on investment performance, asset allocation, and cash flow. He said the plans had held up well amid market volatility, with fiscal year-to-date returns above benchmark and long-term returns remaining strong. He explained that the plans are targeted to a 70% equity/30% fixed-income allocation, that some cash is being held for cash-flow management, and that negative cash flow is expected because of funding and contribution levels. He also said Senate Bill 183, dealing with proxy voting and economic analysis for certain votes, was not expected to materially affect the plans because of their small number of holdings and Bear Trust’s long-term investment approach. Ryan Barrow and Erin Surrod then presented for the Kentucky Pension Authority. They reported positive quarterly performance across the retirement and insurance funds, though results varied by period and remained tied to broader market conditions. They said recent asset-allocation changes had been completed and the funds were now within target ranges. On cash flow, they noted some plans remained negative or near zero, with one plan benefiting from a large appropriation. In the legislative update, they described House Bill 30 as codifying an exclusion from pension-spiking calculations for across-the-board raises, and Senate Bill 10 as increasing retiree health insurance subsidies and changing employee health insurance contribution rules for certain CERS members beginning in 2026. They also said Senate Bill 183 would likely have limited impact, though the agency would review voting policies and incorporate any required economic-analysis procedures.
TX

Texas 89th 2nd C.S.

Trade, Workforce & Economic Development Apr 2nd, 2025

Trade, Workforce & Economic Development

Transcript Highlights:
  • It's not just a matter of growth; it's a matter of survival.
  • I don't know if you've seen or heard of any of the things. Yes.
  • So this is a no-cost, proactive way to support the backbone of our economy, small businesses, and in
  • I had a question about, you said there is going to be a cost saving of a billion dollars.
  • The Department of Labor is reporting that since January of 2024 to January of 2025, the average Texan
Bills: HB112, HB199, HCR9
Summary: The Committee on Trade, Workforce and Economic Development met with a quorum and moved quickly through a long agenda, hearing testimony and taking recorded votes on several bills. Early in the meeting, HB 2214 was laid out to exempt certain short-term residential leases and leaseback arrangements from flood-disclosure requirements; Texas Realtors supported the change, and the bill was left pending. The committee then voted out a series of pending measures, including HB 46, HB 186 (with a committee substitute), HB 431, HB 1147, HB 1154, HB 2468, HB 2488, HB 2788 (with a substitute), HB 2791 (with a substitute), HB 3260, and HCR 90, all reported favorably to the full House, with HB 1147 receiving two nays and the others passing unanimously or nearly so. A major portion of the hearing focused on HB 112, which would create a Texas Science Park district and commission to support advanced manufacturing and innovation sites. The bill’s author and supporters, including Samsung Austin Semiconductor, the Texas Association of Business, and the Governor’s economic development office, argued it would strengthen supply chains, attract investment, and support national security and workforce development. Testimony described interest from semiconductor and advanced manufacturing companies and referenced the model of foreign science parks such as Sinshu in Taiwan. HB 112 was left pending after testimony. The committee also heard HB 3698 and HB 3699, both related to unemployment insurance administration. HB 3698 would expand eligibility for the Reemployment Services and Eligibility Assessment program using federal funds, while HB 3699 would tighten the definition of “last work” to help the Texas Workforce Commission investigate UI fraud. Both bills were discussed with TWC resource witnesses and left pending after the committee withdrew the substitutes. HB 1349, which would extend HOA transparency and property-rights provisions to condominiums and refine HOA rules, and HB 621, which would require HOA meeting spaces to be available for residents to reserve for qualified political candidates or elected officials, were also heard and left pending. Finally, the committee heard HCR 9 to designate the first Saturday of each month as Small Business Saturday, HB 199 to index unemployment benefit duration to the state unemployment rate, and HB 3466 to exempt certain cancelable service contracts from Texas’s in-home sales cooling-off law; each drew supportive and opposing testimony and was left pending before adjournment.
TX

Texas 89th Regular

Corrections Mar 26th, 2025

Corrections

Transcript Highlights:
  • of Galveston.
  • budget for a city of 53,000 people, you face the challenges of a tourism population of 300,000 to 500,000
  • In terms of that, you can tell by some of the things on this bill.
  • They list a lot of different sections of 4904, 4905, and 4906 of the Penal Code.
  • I think that's where the brunt of the cost is coming from.
TX

Texas 89th Regular

Corrections Mar 26th, 2025

Corrections

Transcript Highlights:
  • All who were aware of abuse of official capacity were unafraid of calling out an abuse, especially when
  • They will never see him again because of the actions of another.
  • They weren't just grieving the loss of an individual; they were grieving the loss of a part of themselves
  • Of course, he had one of his turkey feathers. He loved hunting.
  • these types of offenses instead of punitive measures.
MN

Minnesota 2025 1st Special Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/5/25

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • <00:21:37.720> state unnecessary costs to programs of a state unnecessary costs to programs
  • in unnecessary costs to programs of a state agency or political subdivision.
  • in unnecessary costs to programs of a state agency or political subdivision.
  • <01:10:50.199> new consider the cost of each of these new consider the cost of each of these
  • of them in the state of Minnesota based on<01:20:06.400> their<01:20:06.760> costs<01:
Bills: HF23, HF1355
MN

Minnesota 2025 1st Special Session

House State Government Finance and Policy Committee 2/20/25

State Government Finance and Policy

Transcript Highlights:
  • didn't take care of some of the basics didn't take care of some of the basics uh uh uh Osa<00:20
  • of the the level of sensitivity of some of the the level of sensitivity of some of the<00:32:
  • He said that, as a small office, you have to balance the costs of replacement and recognize that smaller
  • Do we have any estimates around what that might cost, or, you know, those kinds of things, or where are
  • <01:34:26.159> things cost or you know those kinds of things cost or you know those kinds
Bills: HF1060, HF1062