Video & Transcript : 'creditor claims' :

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WA

Washington 2025-2026 Regular Session

House Appropriations Feb 6th, 2026 at 10:30 am

Appropriations

Transcript Highlights:
  • It is too costly, unnecessary, and it risks destabilizing the workforce it claims to support.
  • It is too costly, unnecessary, and it risks destabilizing the workforce it claims to support.
  • The average impact of union plans is 4.7% per claim.
  • necessary to maintain the employee's condition at the time of claim closure.
  • , and potential reopening of claims from these follow-up evaluations.
TX

Texas 89th Regular

Pensions, Investments & Financial Services May 5th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • If you look at paragraph 6 on page 2 of most of those contracts or the notes, it says 120 days to claim
  • Section in here that would require a creditor appears from the outset to state whether a debt could be
Bills: HB1342 , HB2889 , HB3002 , HB3254 , HB4820 , HJR40 , HJR40
TX

Texas 89th 2nd C.S.

S/C on Family & Fiduciary Relationships Mar 31st, 2025

S/C on Family & Fiduciary Relationships

Transcript Highlights:
  • Third, it enhances inventory requirements by specifying that inventories, appraisements, and list of claims
  • that it was used and it would require heirs to give a bond and an independent administration when a creditor
DE

Delaware 2025-2026 Regular Session

Senate Elections & Government Affairs Committee Meeting Jun 18th, 2026

Elections & Government Affairs

Transcript Highlights:
  • The statute had some in clarity in that it said that a limited number of judgment creditors could get
  • This bill clarifies that any judgment creditor that has a valid lien against the asset owner can apply
Bills: HB89 , HB328 , HB344 , HB365 , HB283 , HB89 , HB328 , HB344 , HB365 , HB283
Summary: The Senate Elections and Government Affairs Committee met in hybrid format, approved the June 10 draft minutes, and then heard a long agenda of bills. HB 89 (home improvement fraud dispute resolution) was presented as a consumer protection measure developed with DOJ to address contractor fraud, especially against vulnerable homeowners; members voiced support and asked to be added as sponsors. HB 283 updated realty transfer tax exemptions to use gender-neutral “spouses” language and add a direct grandparent-to-grandchild transfer exemption; it drew supportive public comment. HS1 for HB 390 would let DelDOT choose electronic-only bidding for projects, remove newspaper bid-opening notices, and clarify bidding records, with no opposition raised. HB 328/H.A. 2 modernizes the Register of Regulations statute, keeps newspaper distribution requirements, and delays some effective dates to 2027; it was described as a technical update. HB 365 would create the Delaware Indigenous Affairs Commission, prompting supportive testimony from Indigenous community members and some discussion about representation and internal tribal اختلافs, but no formal opposition. HB 423 would automatically enroll new state employees in the 457B deferred compensation plan unless they opt out, with exclusions for collective bargaining units and implementation tied to payroll readiness; it was presented as a retirement-savings measure. SS1 for SB 342 would modernize the Delaware Motion Picture and Television Development Commission to support a broader film/media incentive package, with support from the Delaware Arts Alliance and a request to help attract productions to Delaware. The committee also heard SB 331, a cleanup bill on garagekeeper liens for manufactured housing and related assets. The sponsor and an attorney explained it as clarifying who can recover funds and attorney’s fees in lien sales, but the Chief Magistrate and the manufactured housing association said the issue should be addressed more carefully and possibly in another section of code; they were open to further work. HB 436 would update the Smyrna charter, including school impact fees, election challenge procedures, vacancy rules, domicile standards, Board of Elections terms, and meeting schedules. HS1 for HB 376 made technical and organizational changes to the Millville charter, including a tiebreaker for municipal elections and a property tax cap, with the town solicitor saying there was little substantive change. HB 460 would require New Castle County municipalities to submit permit data monthly rather than on a much slower schedule, limited to closed permits with certificates of occupancy, to improve property assessment data; it was presented as part of broader reassessment/data-quality efforts. Public comment was heard on several items, especially HB 365 and SS1 for SB 342. Indigenous speakers supported the commission as a way to preserve heritage, improve representation, and create a formal seat at the table. The Delaware Arts Alliance supported the film commission modernization bill as part of a broader creative-economy plan. No recorded votes were taken on the individual bills in the transcript, and the meeting ended with a unanimous motion to adjourn.
OK

Oklahoma 2026 Regular Session

Government Oversight REVISED - HB3852 -Added Mar 5th, 2026

Government Oversight

Transcript Highlights:
  • Members, House Bill 3588 clarifies and codifies several court rulings related to debtors and creditors
  • , specifically for the assignment for creditors related to parties' interests.
Summary: The committee opened with prayer, laid over House Bill 1784 as dead, and then heard a long series of measures, many related to pensions, retirement systems, elections, and state procurement/reporting. Early bills included HB 3588 on debtor-creditor law updates, HB 3748 on county partnerships with four-year institutions, HB 4303 extending the municipal ordinance publication deadline from 15 to 30 days, HB 4311 increasing the treasurer’s share of the unclaimed property administration fee from 4% to 6%, and HB 3028 allowing CareerTech to charge processing fees. All of these advanced on due pass votes, with some opposition on HB 3588, HB 4311, and HB 3028. A major block of the meeting focused on retirement and pension policy. The committee advanced HB 4428 and HB 4429 on proxy advisor transparency and fiduciary voting standards for retirement systems, with the author arguing they would improve transparency and keep pension decisions focused on financial returns rather than ESG/DEI considerations. Other pension-related bills that passed included HB 4132 creating a cybersecurity safe harbor for local governments, HB 1889 fixing a COLA gap for certain retired police officers and firefighters, HB 3265 defining “mental health specialist” for disability applications, HB 1739 reinstating a half-pay provision in the state law enforcement retirement system, HB 3313 changing the Retirement Freedom Act by raising contribution and match rates and eliminating vesting, HB 2116 expanding eligibility for State Fire Marshal officers, HB 2206 allowing newly hired school resource officers to join OLEERS, HB 3625 expanding school district investment options, and HB 3721 creating a survivor-benefit election for children of certain public safety officers. Most of these passed with little or no debate, though HB 1739 drew questions about actuarial “safe harbor” language and pension funding. The latter part of the meeting centered on a package of government contracting and transparency bills from Representative Strom. HB 3413, HB 3414, HB 3415, HB 3416, HB 3417, HB 3418, and HB 3420 would require more detailed reporting of contracts, subcontractors, consulting services, and post-contract assessments; create public posting and reporting requirements through OMES and Central Purchasing; revise bidding rules for state, county, and municipal entities; require vendor ownership disclosures; allow live-streamed bid openings; and add misdemeanor penalties for violations of Central Purchasing rules. Strom said the package was intended to improve accountability, documentation, and protection of taxpayer dollars. The committee also passed HB 3852 clarifying poll worker list requirements for county election boards, HB 4434 requiring gubernatorial notice when out of state, and HB 2939 removing fax-machine references from statute. Most measures were adopted with policy recommendations and passed on strong votes, and the meeting ended with Chairman West thanking members for their work and adjourned the committee.
FL

Florida 2025 Regular Session

Commerce and Tourism Mar 17th, 2025

Transcript Highlights:
  • is a Florida version of Article 12 and those updates and clarifies Florida law regarding debtor creditor
  • So it seems like we're explicitly forbidding and employee from filing with sir whistleblower claim if
  • There's there's multiple claims that could be made.
  • is being made for instead of we, you know, haven't mismatch of them claim in this room claiming that
  • claim in this.
Keywords: 999, senate, all
OK

Oklahoma 2026 Regular Session

Senate Legislative Session Mar 5th, 2026

Oklahoma Senate Floor Meeting

Summary: The Senate convened with prayer, roll call, and several floor and gallery introductions recognizing the Doctor of the Day, Nurse of the Day, Mid-America Christian University, the Oklahoma Truckers Association, Leadership Wagoner County, the Broken Arrow Chamber, and an intern. The chamber then took up several bills in general order. Senate Bill 1426, requested by the Department of Human Services, would limit referrals to district attorneys to substantiated findings of abuse of vulnerable adults; it passed unanimously, 44-0. Senate Bill 1531 was presented as a placeholder vehicle for possible future FAA action on drones and unmanned aircraft, with questions focused on why the bill was being kept open and what language might later be added. It passed 33-12. Senate Bill 1561 would allow EMTs to be subject to progressive discipline for drug or other violations instead of automatic license revocation; it passed 46-0. The most extensive debate centered on Senate Bill 1122, which lowers the ad valorem assessment rate for broadband providers from 22.85% to 15% and was described by supporters as a way to create parity, encourage broadband expansion, and keep providers investing in rural Oklahoma. Opponents argued it would give a tax break to large legacy broadband companies, reduce county revenue by an estimated $20 million, and do little for homeowners, farmers, or other taxpayers facing property tax pressure. After extended questioning and debate, the bill passed 28-19. The Senate also laid over SB 1555, heard announcements, and adjourned until Monday, March 9 at 1:30 p.m.
NM

New Mexico 2026 Regular Session

Senate Chamber Feb 19th, 2026

New Mexico Senate Floor Meeting

Transcript Highlights:
  • that person... ...does that person, where does that person go to try to get this process started to claim
  • facilities that charge fees also turn in their information, public information, to the all-payers data claim
  • facilities that charge fees also turn in their information, public information, to the all-payers data claim
  • And the question then becomes, do the creditors then have the right to collect against this house or
  • And the question then becomes, do the creditors then have the right to collect against this house or
Bills: SB273 , SB37 , SB100
Summary: The Senate convened on the 30th day of the 2026 session, established a quorum, heard an invocation from Chaplain Harry Eberts, and received several announcements and House messages. The chamber then took up multiple concurrence and third-reading items, including Senate Bill 273, Senate Bill 37, Senate Bill 100, Senate Bill 41, House Bill 34, House Bill 20, House Bill 43, House Bill 38, and House Bill 256. The body also heard that House Joint Memorial 2 was moved from the President’s table to the calendar, and later received messages from the House on several other Senate and House measures. The most contentious action was concurrence on Senate Bill 273, which concerns correction facility loss of revenue for counties affected by the loss of ICE detainees. Senators debated the economic impact on Torrance, Otero, and Cibola counties, with supporters arguing the bill provided partial relief and critics saying it did not come close to replacing lost jobs and revenue. The Senate ultimately concurred with the House amendments by a vote of 22-18. On Senate Bill 100, which would have expanded burglary-related definitions to include an “extension of a dwelling,” several senators argued the House language was too broad and legally vague, and the Senate voted not to concur, sending the bill back to the House. Senate Bill 41, with a technical correction and addition of second-degree criminal sexual penetration, was concurred with by voice vote. Among the bills passed on third reading, House Bill 34 updated school nurse licensure rules and supervision pathways and passed 38-0. House Bill 43, a PERA cleanup bill, clarified retirement and survivor-benefit provisions, and passed 39-0 after questions about whether it affected PERA’s unfunded liability; sponsors said it did not. House Bill 38 expanded insurance coverage for powered mobility devices and prosthetics, including coverage for batteries and in-state provider requirements, and passed 38-0. House Bill 256 expanded cardiac emergency response planning and AED requirements to athletic activities and schools, including private schools on a phased-in basis, and was debated over cost and scope before passing. House Bill 20, which would allow Native American designation on driver’s licenses and IDs, prompted extended discussion about tribal support, documentation, and possible profiling concerns; the transcript cuts off before final disposition of that bill.
TX

Texas 89th 2nd C.S.

Pensions, Investments & Financial Services May 5th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • if you look at paragraph 6 on page 2 on most of those contracts or those notes, it says 120 days to claim
  • Uh, also, there's a, a, a, um, section in here that would require a creditor to state from appears from
Bills: HJR40
MN

Minnesota 2025-2026 Regular Session

Committee on Capital Investment - 02/11/25

Capital Investment

Transcript Highlights:
  • department has offices in the Veteran Service Building, the federal Whipple Building, and the Fargo claims
  • the</c><00:10:01.160><c> Fargo</c><00:10:02.160><c> uh</c><00:10:02.959><c> uh</c><00:10:03.320><c> claims
  • </c> building and in the Fargo uh uh claims building and in the Fargo uh uh claims office<00:10:05.200
  • against you uh against the bond holder against you know<01:27:27.719><c> the</c><01:27:28.000><c> Creditor
  • um and so you have uh know the Creditor um and so you have uh pension<01:27:31.000><c> liabilities</
Keywords: 1187, senate, all
TX

Texas 89th Regular

Higher Education Mar 4th, 2025

Higher Education

Transcript Highlights:
  • Well, there are creditors by institution type, there are creditors by field, by discipline.
  • process would depend on if it's an individual program or at the institution level. then which which creditors
  • So when you're accredited, you have to continue to work with that particular creditor. to a new one,
Keywords: 1184, house, all
KY

Kentucky 2026 Regular Session

Senate Standing Committee on Judiciary (1-22-26)

Judiciary

Transcript Highlights:
  • Creditor<00:10:17.120><c> protections</c><00:10:17.760><c> remain</c><00:10:18.240><c> in</c><00:10:18.480
  • </c> Creditor protections remain in place. Creditor protections remain in place.
Committee: Senate Judiciary
Keywords: 958, all
TX

Texas 89th Regular

Senate Session (Part II) May 8th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • Texas law already rightly prevents creditors from discriminating against someone based on race, sex,
  • Having established such a right, they can create bonds, which they then tender to creditors. ...payment
  • As they read the UCC, if the creditor wrongly refuses to accept this tender, the sovereign debtor is
Bills: HJR98 , HJR99 , HB29 , HB136 , HB142 , HB166 , HB353 , HB1399 , HB2000 , SJR59 , SCR19 , SB128 , SB261 , SB317 , SB383 , SB393 , SB397 , SB466 , SB517 , SB571 , SB612 , SB705 , SB715 , SB731 , SB748 , SB801 , SB867 , SB913 , SB945 , SB946 , SB986 , SB1013 , SB1071 , SB1086 , SB1087 , SB1117 , SB1181 , SB1250 , SB1263 , SB1285 , SB1444 , SB1483 , SB1528 , SB1553 , SB1556 , SB1608 , SB1723 , SB1858 , SB1946 , SB1957 , SB1986 , SB1999 , SB2043 , SB2056 , SB2082 , SB2105 , SB2133 , SB2138 , SB2177 , SB2203 , SB2221 , SB2311 , SB2334 , SB2337 , SB2340 , SB2373 , SB2417 , SB2446 , SB2452 , SB2477 , SB2532 , SB2565 , SB2587 , SB2615 , SB2622 , SB2633 , SB2637 , SB2681 , SB2713 , SB2717 , SB2781 , SB2782 , SB2835 , SB2841 , SB2857 , SB2891 , SB2943 , SB2994 , SB2995 , SB3016 , SB3047 , SB3057 , SB3059 , SJR3 , SB5 , SB72 , SB509 , SB616 , SB963 , SB985 , SB1143 , SB1172 , SB1267 , SB1271 , SB1273 , SB1759 , SB1786 , SB2361 , SB1025 , SB1080 , SB1245 , SB1355 , SB1422 , SB1 , SB260 , SB1506 , SB1637 , HJR98 , HJR99 , HJR2 , HJR1 , HB1109 , HB1392 , HB22 , HB3093 , HB517 , HB1130 , HB142 , HB1689 , HB2018 , HB136 , HB2884 , HB1393 , HB2730 , HB1399 , HB1244 , HB467 , HB331 , HB2559 , HB29 , HB26 , HB166 , HB353 , HB2000 , HB2756 , HB3248 , HB3513 , HB3204 , HB3135 , HB3012 , HB2763 , HB2523 , HB2457 , HB2415 , HB2198 , HB2143 , HB1708 , HB1672 , HB767 , HB1327 , HB2723 , HB451 , HB140 , HB109 , HB3096 , HCR6 , HCR12 , HCR29 , HCR50 , HCR55 , HCR56 , HCR58 , HCR70 , HCR71 , HCR74 , HCR78 , HCR80 , HCR107 , HCR116 , HCR117 , SJR36 , SJR50 , SJR63 , SJR59 , SCR12 , SCR39 , SCR48 , SCR19 , SB2023 , SB1957 , SB2615 , SB2138 , SB3016 , SB1999 , SB62 , SB666 , SB847 , SB284 , SB854 , SB1073 , SB810 , SB1505 , SB583 , SB507 , SB1434 , SB1772 , SB2016 , SB1163 , SB1122 , SB731 , SB397 , SB508 , SB1436 , SB287 , SB261 , SB1882 , SB393 , SB1791 , SB209 , SB2429 , SB511 , SB2309 , SB510 , SB1085 , SB1975 , SB2717 , SB1262 , SB636 , SB2056 , SB884 , SB517 , SB1200 , SB1845 , SB2681 , SB2458 , SB801 , SB3014 , SB3013 , SB758 , SB1013 , SB2797 , SB2076 , SB2876 , SB715 , SB1640 , SB2538 , SB1449 , SB1181 , SB1359 , SB410 , SB1234 , SB2926 , SB2972 , SB2841 , SB1856 , SB1528 , SB1373 , SB672 , SB2891 , SB1854 , SB317 , SB2539 , SB2532 , SB1250 , SB2082 , SB2203 , SB1285 , SB1454 , SB2520 , SB1237 , SB1586 , SB2819 , SB629 , SB2342 , SB2903 , SB2477 , SB3029 , SB375 , SB777 , SB2367 , SB2703 , SB2608 , SB2965 , SB2521 , SB2165 , SB2501 , SB2452 , SB2835 , SB1602 , SB1704 , SB1723 , SB1858 , SB1946 , SB2009 , SB2177 , SB2460 , SB2785 , SB2373 , SB867 , SB1608 , SB640 , SB1698 , SB383 , SB705 , SB748 , SB1117 , SB2340 , SB2680 , SB2994 , SB2747 , SB1950 , SB913 , SB1071 , SB1086 , SB1087 , SB1483 , SB1444 , SB1553 , SB1556 , SB1703 , SB2133 , SB2297 , SB2298 , SB2622 , SB2955 , SB3059 , SB2782 , SB2781 , SB2637 , SB2633 , SB2337 , SB2334 , SB1861 , SB2043 , SB1367 , SB946 , SB945 , SB2857 , SB128 , SB571 , SB1263 , SB3058 , SB612 , SB2221 , SB2587 , SB2044 , SB2363 , SB2713 , SB2311 , SB1986 , SB2565 , SB2943 , SB1888 , SB2417 , SB3048 , SB3052 , SB3053 , SB3036 , SB3057 , SB3056 , SB3043 , SB3037 , SB3050 , SB3063 , SB3047 , SB3035 , SB2446 , SB466 , SB2611 , SB2794 , SB2105 , SB2017 , SB1790 , SB1778 , SB1730 , SB2995 , SB2847 , SB205 , SB2619 , SB1903 , SB203 , SB3061 , SB1581 , SB2600 , SB2799 , SB2790 , SB2688 , SB2515 , SB1230 , SB876 , SB2522 , SB2639 , SB2137 , SB2519 , SB2403 , SB2459 , SB3051 , SB2655 , SB2251 , SB2764 , SB2878 , SB1884 , SB111 , SB582 , SB2617 , SB1835 , SB2751 , SB2959 , HB206 , HB1238 , HB1089 , HB2890 , HB9 , HB2081 , HB4215 , HB2970 , SB2063 , SB1400 , SB2058 , SB2260 , SB2928 , SB1310
OK

Oklahoma 2026 Regular Session

Public Health Apr 8th, 2026

Public Health

Committee: House Public Health
Summary: The committee heard and advanced a large number of health-related bills, with much of the agenda focused on pharmacy benefit manager (PBM) regulation, Medicaid administration, and health-system cleanup measures. Bills passed included HB 1344 on insulin affordability and state support for low-cost biosimilar insulin manufacturing; HB 1380 requiring the Health Care Authority to check death records to disenroll deceased Medicaid recipients; SB 2007 and SB 2074, both PBM-related measures addressing pharmacist reimbursement, dispensing fees, appeals, and penalties; SB 1572 creating a feasibility study on reorganizing the Department of Mental Health and Substance Abuse Services and temporarily allowing the Health Commissioner to serve in a dual role; and SB 1555 updating the definition of intellectual disability to match the federal definition. Members also approved several bills eliminating or repealing outdated councils and programs, including SB 1423 ending the Hospital Advisory Council, SB 1425 repealing the Health Care Workers and Educators’ Assistance Program and Health Care Workforce Resources Center, and SB 1502 eliminating the Alzheimer Dementia Disclosure Act Advisory Council. Other measures passed included SB 1561 changing EMS discipline to a progressive system, SB 244 and SB 667 making chiropractic language and training cleanup changes, SB 1749 on LP gas inspections for food trailers, SB 1484 requiring more detailed medical information for infant and child death investigations, SB 1562 clarifying hospice patient protections, and SB 1644 creating reporting related to alpha-gal to support possible research funding. The most debated bill was SB 1503, which would expand the Choosing Childbirth Act so nonprofits without an Oklahoma physical address could receive grants to connect women seeking abortions with pregnancy resources. Members questioned whether grant dollars and salaries would stay in Oklahoma, whether reporting and accountability would be sufficient, and whether Oklahoma-based providers could do the work instead. The bill passed 5-2 after the sponsor said he was open to amendments and oversight. SB 1833, codifying a SNAP waiver restricting candy and soft drink purchases, and SB 904, modifying the use of certain state funds and facilities for medical procedures, also drew questions and passed on divided votes. The meeting ended after all listed bills were heard and voted on, with most measures passing unanimously or by wide margins.
OK

Oklahoma 2026 Regular Session

Senate legislative Session Mar 23rd, 2026

Oklahoma Senate Floor Meeting

Summary: The Senate convened with a quorum, prayer, pledges, and a series of guest and gallery introductions, including medical professionals, interns, students, and advocates visiting for Disability Day. The chamber then moved quickly through a long floor agenda, with leaders repeatedly noting the need to stay at desks and proceed efficiently. Several bills were taken up with floor substitutes or minor amendments, most often restore-title amendments, before advancing to final passage. The Senate passed a number of measures addressing technology, public safety, education, health care, elections, and state agency operations. Among the most notable were SB 1521, which creates safeguards around AI social companions for minors after discussion of teen suicides linked to such products; SB 1734, which sets guardrails for AI use in schools and requires district policies by 2027; and SB 1307, which removes statutory language conflicting with religious-freedom case law and passed after debate over whether it could open the door to funding religious entities. Other bills approved included SB 372 on carrying firearms in certain state-owned lodges and cabins, SB 1232 on escalating penalties for major copper theft damage, SB 1338 making the literacy-coach program permanent and tying Strong Readers Act dollars to district access, SB 1451 on voter-registration cleanup and reporting, SB 1463 extending the polygraph examiners board sunset, SB 1558 clarifying that some OJA youth in Level E group homes may remain served until age 19, and SB 1567 clarifying APRN prescriptive-authority rules and supervision compensation. The chamber also approved SB 1595, an anti-steering/anti-discrimination bill aimed at CDL training grants and workforce boards, and SB 1621, treating public law libraries as public entities represented by district attorneys. SB 1749, which lets the LP Gas Board create permitting and inspection rules for mobile food vendors and delegate inspections to more local permit holders, drew concern from some senators about added costs and burdens on food-truck operators but still passed. The Senate also advanced SB 1833, codifying the SNAP waiver executive order and limiting certain non-nutritive foods, with questions focused on how the restrictions would be communicated and applied. Most measures were passed by substantial margins, and several were declared emergency measures after final votes.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am

Joint Committee on Financial Services

Transcript Highlights:
  • For example, in 2023, more than 80% of cases filed in small claims court were to collect consumer debt
  • Who claim to have a debt that they bought from some company.
  • And they can end up in small claims.
  • They claim to get me to our markets, but gave me two mortgages. Thank you.
  • So from the very beginning, this mortgage was never there to claim.
Keywords: 995, all
Summary: The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens. A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first. The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.