Video & Transcript Research : 'reading difficulty'
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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:
- Did you read the bottom of the letter?
- We don't know written English or reading English.
- Jay's having technical difficulties; he will be on. Okay, we'll go back to him again.
- The rest of the list is our people online, so I'm going to read through it one last time.
- We've read through the list one time completely, but I'll go back and see if people are able to log on
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.
OK
Oklahoma 2026 Regular Session
Appropriations and Budget Jan 28th, 2026 at 01:30 pm
Appropriations and Budget
Transcript Highlights:
- I don't have the time to sit here all afternoon and read through them, but they are pretty substantial
- Having read the documents from the original litigation and testimony taken in depositions, I can assure
- The last year certainly faced its share of trials and difficulties, most notably enduring the longest
- preface this with this is a question I received from someone online from a rep, so I'm gonna just read
- I think from my vantage point it seems to me that one of the biggest difficulties in talking about how
CA
California 2025-2026 Regular Session
Assembly Floor Session Feb 24th, 2025
California House Floor Meeting
HI
Transcript Highlights:
- even smaller set where that involves bodily injury and we can prove so the OUI case is one of the difficulties
- I have read the bill, but, uh, we can take a deeper dive, look at that if the chair would like.
- I have read the bill, but, uh, we can take a deeper dive, look at that if the chair would like.
- I don't know; there's some difficulties with this. There are other dog bills.
- with this um there are difficulties with this um there are other<00:59:27.599>
dog <00:59:27.920
Summary:
The Judiciary Committee heard testimony on several bills. SB 335 would route objections by political party officers to candidate nomination papers through the Office of Elections. The State Election Director testified that his office was not the right venue for party-membership challenges because it could create conflicts and force the Attorney General to represent the chief election officer in court; members discussed whether all objections should instead go directly to Circuit Court, but no action was taken.
SB 280 would expand first-degree negligent injury to cover injuries negligently caused by intoxicated drivers. The Public Defender opposed the bill as too harsh and urged either a lower penalty or clearer statutory definitions of “under the influence,” while the Prosecuting Attorney supported it as a needed increase in accountability for drunk drivers who actually injure someone. Committee members raised concerns about overlap with existing offenses, proportionality, and whether the change would increase jury-trial volume; the prosecutor responded that the bill would apply to a smaller subset of cases involving actual injury and would help ensure more serious treatment of those cases.
The committee also heard SB 292, establishing Safe Harbor protections for survivors of sexual exploitation who seek medical or law enforcement assistance, with testimony in support from the Office of Hawaiian Affairs, HPD, U Alliance, and others, and no opposition. SB 31, concerning an additional penalty for dog owners whose dogs destroy property on agricultural land, drew only supportive testimony. SB 356 would require restitution in the form of financial support to the minor children of victims killed or disabled by an intoxicated driver; the Public Defender opposed it as better suited to civil court and questioned enforcement after probation, while the Prosecuting Attorney supported it and said courts can issue enforceable restitution orders. Testimony also strongly supported SB 1284, a proposed constitutional amendment prohibiting discrimination based on ethnicity, age, disability, ancestry, sex, sexual orientation, gender identity, pregnancy, and pregnancy outcomes, with supporters arguing it would strengthen protections in response to current political conditions. No votes or final committee actions were taken in the excerpt.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Telecommunications, Utilities and Energy Jun 21st, 2026 at 01:00 pm
Joint Committee on Telecommunications, Utilities and Energy
Transcript Highlights:
- No, I, I, again, are people having some difficulty hearing? Yeah, my things that work is. Yeah.
- I just want to read the price cap on how much can be charged. Thank you. How would that work?
- Yeah, I think the... from what I've read on, I don't have the legislative transcripts of what lawmakers
- Now, I consider myself a relatively well-read, informed...
- Now, I consider myself a relatively well-read, informed person.
Summary:
The committee heard testimony on several energy-related bills, with the main focus on H. 3534/S. 2255, which would ban or sharply restrict residential third-party electric suppliers, and on related reform proposals. Supporters included the Attorney General’s office, municipal and regional planning officials, environmental justice groups, consumer advocates, and city officials from Boston and Chelsea. They argued that the residential competitive supply market has produced higher bills, deceptive sales tactics, auto-renewals into higher rates, and disproportionate harm to low-income residents, seniors, communities of color, and people with limited English. Witnesses cited AG reports estimating hundreds of millions of dollars in overcharges over time, described door-to-door and storefront marketing abuses, and said municipal aggregation programs have saved residents money while offering more stable rates. Several supporters said the Legislature should either ban residential competitive supply or adopt strong guardrails such as ending automatic renewals, banning incentive-based commissions, and capping rates relative to basic service.
Opponents or industry representatives from the Retail Energy Advancement League, Vistra, and Constellation argued that the market can provide savings, longer-term price stability, and value-added products such as renewable options and time-of-use offerings. They said Massachusetts has already improved consumer protections through DPU proceedings, that complaints are relatively few compared with the size of the market, and that a ban would eliminate consumer choice. They also defended direct sales and commissions as normal features of a retail market, while saying they would support additional protections, licensing, bonding, and stronger oversight of bad actors. Committee members pressed both sides on whether the market truly saves money, whether automatic renewals should be banned, and whether the AG’s proposed reforms would be enough.
The committee also heard testimony on H. 3972, a bill to extend utility shutoff protections during extreme heat, with Rep. Mindy Domb arguing that Massachusetts should treat extreme heat like extreme cold and protect customers facing financial hardship. Rep. Barrett also testified for H. 3450, a municipal broadband/right-of-way bill, arguing that communities need easier and cheaper access to utility poles and public rights of way to build municipal broadband. In addition, Senate Majority Leader Creem testified for S. 2239, which would bar utilities from recovering ratepayer funds for lobbying, promotions, trade association dues, and similar expenses. No votes were taken during the hearing.
CA
California 2025-2026 Regular Session
Assembly Floor Session May 12th, 2025
California House Floor Meeting
Transcript Highlights:
- The clerk will read.
- Second reading.
- The clerk will read.
- The clerk will read.
- The clerk will read.
Summary:
The Assembly met in session, established a quorum, and opened with an Asian American and Pacific Islander Heritage Month ceremony. Members adopted House Resolution 35 recognizing May as AAPI Heritage Month, with extensive floor remarks from caucus leaders and members highlighting AAPI history, contributions, and solidarity with other communities. The chamber then honored 14 AAPI honorees from across the state, including public servants, advocates, artists, health professionals, and community leaders, before moving to the regular file.
On the floor, the Assembly passed a series of bills on social media harms to minors, labor privilege, foster care family-finding, low-impact camping areas, student body association governance, drink-spiking prevention at music festivals, behavioral health access, greenhouse gas recapture, physical therapy access, housing enforcement, insurance licensing, density bonus clarification, water district proxy voting, park district updates, secured transactions, and property tax relief during emergencies. Most measures passed with broad or unanimous support; notable votes included AB 2 on social media platform accountability passing 59-0, AB 1109 on union communications privilege passing 45-4, AB 409 on student body association open meetings passing 55-6, AB 518 on low-impact camping passing 55-0, AB 668 on drink-spiking protections passing 72-0, AB 348 on behavioral health access passing 69-0, AB 663 on HFC recapture passing 71-0, AB 574 on physical therapy access passing 68-0, AB 712 on housing enforcement passing 57-1, AB 943 on insurance pre-licensing reform passing 63-0, AB 87 on density bonus law clarification passing 63-0, AB 523 on Metropolitan Water District proxy voting passing 62-1, AB 769 on park district code cleanup passing 68-0, AB 771 on secured transactions passing 69-0, and AB 1416 on property tax installment deferrals passing 66-0.
The Assembly also took up AB 446, the Surveillance Pricing Protection Act, which would prohibit businesses from using personal data to charge different prices for the same product or service. Supporters described the practice as predatory and discriminatory, while noting ongoing concerns about preserving legitimate discounts and loyalty programs. The bill was presented as a consumer protection measure aimed at preventing hidden price discrimination and reducing cost-of-living pressures. The transcript ends amid repeated and partially duplicated readings of AB 446, without a final vote shown for that item.
MN
Minnesota 2025-2026 Regular Session
House Floor Session: 2025 First Special Session - part 2 Jun 9th, 2025
Minnesota House Floor Meeting
Transcript Highlights:
- The clerk will give the bill its second reading. Second reading, House File Number 14.
- The clerk will give the bill a third reading. Third reading, House File Number 14. Third reading.
- The clerk will give the bill its second reading. Second reading House File Number 5.
- The clerk will give the bill a third reading. Third reading. House File Number 5. Third reading.
- The READ Act that was talked about, investing in literacy, helping our kids learn how to read—that's
WY
Transcript Highlights:
- Uh, frankly, it started when I, uh, in midsummer, when I read an article in the Wall Street Journal,
- So, you can predict that difficulty is going to last for some time.
- The article I read suggested states fund it with a state income tax credit, which fortunately we cannot
- a problem the university is going to have, whether they like it or not, because of the federal difficulties
- . difficulties. difficulties.
NH
Transcript Highlights:
- Is there any discussion, second reading.
- <00:21:40.160>
here So, is that a a difficulty here So, is that a a difficulty here potentially - Is The bill is now on second reading.
- Is there The bill is on second reading.
- second reading. Is there any discussion? second reading. Is there any discussion?
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/24/26
Commerce Finance and Policy
Transcript Highlights:
- Later, Nancy faced job loss and financial difficulty.
- She requested a temporary difficulty.
- So there's been very little difficulty in getting patients to see specialists.
- <00:17:42.400>
folks the the various um, difficulties folks the the various um, difficulties - <00:18:21.120>
in There has been no difficulty in There has been no difficulty in referring
Keywords:
real estate, appraisers, disciplinary actions, sanction matrix, Minnesota Statutes, direct primary care, healthcare agreements, medical services, patient care, health insurance, mortgage fees, residential loans, commercial loans, finance regulations, investment properties, insurance, supplemental health insurance, short-term care, home health care, nursing care
NH
New Hampshire 2025 Regular Session
House Education Policy and Administration (01/27/2025)
Transcript Highlights:
- up with things like kids who can't read up with things like kids who can't read or<00:06:10.000>
- <00:29:08.600>
better metrics as far as can you read better metrics as far as can you read - If any of you haven't read a book called *The Last Lecture*, it's worth reading.
- >
read worth reading put politics aside read worth reading put politics aside read this<03:27: - c> um<03:36:40.520>
or <03:36:40.680>to read their reading learning um or to read their
Summary:
The committee heard testimony on HB 129, which would redefine “evidence-based” in public education to require objective, science-based evidence for pedagogical methods. The prime sponsor said the bill is a verbatim reintroduction from the prior session and argued that current federal definitions are too vague, allowing subjective surveys and other weak evidence to justify teaching methods. He said the bill is limited to pedagogy, not subject matter, and is intended to improve student outcomes, reduce fad-driven practices, and potentially save money by limiting unnecessary retraining and new materials.
Members asked repeatedly about the bill’s scope, including whether it would affect classroom teachers, curriculum content, and existing instructional approaches such as phonics versus whole language or queuing. The sponsor said the bill applies to state and local education bodies and educator training policies, not individual teachers in their classrooms, and that teachers would retain flexibility. He also said standardized testing could be part of a scientific study but is not itself a study, and that textbook providers could be asked to furnish the studies supporting instructional guidance included in their materials.
Several members raised concerns about the fiscal note and possible cost shifts to local districts and taxpayers. The sponsor disputed the idea that the bill would necessarily create major new costs or require additional staff, saying any costs would likely be limited and that the department is already applying federal evidence-based rules. He also said if some current methods are not science-based, updating them would be justified even if there were some initial expense. No vote or final action was taken in the portion of the meeting provided.
MN
Minnesota 2025 1st Special Session
Minnesota House passes HF2403, the commerce policy bill 4/29/25
Minnesota House Floor Meeting
Transcript Highlights:
- So we, those plans, those private insurance plans, have all of the difficulties that private insurance
- <00:14:37.040>
that <00:14:37.440>private <00:14:37.839>insurance difficulties that - private insurance difficulties that private insurance plans<00:14:38.800>
do <00:14:39.120> - The chief clerk will give the bill its third reading. House File 2403 as amended.
- We're currently on third reading, House File 2403, Representative Ryer.
MN
Minnesota 2025-2026 Regular Session
House Veterans and Military Affairs Division 3/5/25
Veterans and Military Affairs Division
Transcript Highlights:
- I want to stress that the access is read-only.
- I want to stress that the access is read-only.
- The reason that we use the state bonding process mostly for renovations is because of the difficulty
- <00:12:57.680>
because <00:12:57.880>of <00:12:58.040>the <00:12:58.399>difficulty - renovations is because of the difficulty renovations is because of the difficulty in<00:12:58.800
LA
Transcript Highlights:
- So at this point, I'm happy to read in green cards.
- Because when I originally read your bill, I have access to.
- Because when I originally read your bill, I Representative Carver said that, when he originally read
- Bradford read earlier.
- If you could please read it in.
Keywords:
artificial intelligence, AI, BESE, State Board of Elementary and Secondary Education, content standards, K-12 education, public schools, curriculum, digital literacy, computer science, STEM, technology education, student privacy, ethical AI, workforce development, future-ready workforce, instructional resources, education policy, school standards, Louisiana education
WY
Transcript Highlights:
- Third, students identified as having reading difficulties or at risk must receive an individualized reading
- identified as having reading identified as having reading difficulties<00:26:39.039>
or <00 - or at risk must receive an difficulties or at risk must receive an individualized<00:26:41.440>
reading - We don't read books.
- We don't read books. We We watch movies. We don't read books.
CA
California 2025-2026 Regular Session
Assembly Revenue and Taxation Committee Mar 24th, 2025
Transcript Highlights:
- police departments, and sheriff's offices report that they are having reductions in recruitment and difficulty
- police departments, and sheriff's offices report that they are having reductions and recruitment and difficulty
- I certainly read the bill and certainly believe in the direction you're going.
- I read the bill and certainly believe in the direction you're going.
Summary:
The Assembly Committee on Revenue and Taxation met and announced that, under its suspense-file rules, every bill on the agenda would be referred to suspense because each had a fiscal impact. The chair also reminded attendees to submit position letters in advance for inclusion in the bill analysis. A quorum was established and the committee then heard six bills, all of which drew support testimony and no opposition testimony in the room.
AB 814 would exempt law enforcement pensions from state income tax to encourage retired peace officers to remain in California and support recruitment and retention. AB 918 would create a targeted income tax exemption for pay earned by local first responders deployed under mutual aid during declared emergencies, with supporters saying it would help sustain disaster response and reward extraordinary service. Both bills were backed by police and public safety organizations and were referred to suspense.
AB 976 would create a nonrefundable tax credit for small retailers in disadvantaged communities to help pay for security equipment in response to retail theft and violence; members discussed whether the bill should be broader and how it related to Proposition 36 and crime policy. AB 984 would allow state tax deductions for contributions to CalABLE accounts, with testimony from CalABLE representatives and families describing the program as an essential savings tool for people with disabilities. AB 1282 would create a deduction for out-of-pocket medical expenses up to $5,000 through 2030, and AB 838 would raise California’s renter’s tax credit from $60/$120 to $2,000 for eligible filers. Each of these bills was also referred to the suspense file, and the committee then adjourned.
HI
Transcript Highlights:
- >> Okay, we'll come back to you if you're having technical difficulties. >> Next, we have Kathy Wilson
- throat] Mr.<00:13:51.200>
Miscovich, >> Okay, I think we're still having technical difficulties - think we're still having >> Okay, I think we're still having technical<00:14:34.240>
difficulties - technical difficulties. technical difficulties. >> Thank<00:14:36.240>
you. - , time for children to learn reading, time for children to learn reading, writing,<00:28:44.480><
Keywords:
military families, family leave, qualifying military exigency, Hawaii Revised Statutes, financial support, Hawaii National Guard, civil-military program, education, collective bargaining, exemption, SB3251, Hawaii public safety, ICE, Immigration and Customs Enforcement, Border Patrol, law enforcement hiring, state employment ban, police powers, Department of Law Enforcement, DLNR
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/27/25
Commerce and Consumer Protection
Transcript Highlights:
- I've heard stories where they've had people have had difficulty getting it.
- they've had people have had difficulty they've had people have had difficulty getting<00:19:35.559
- the rules and regulations or they read the rules and regulations or they read<00:29:27.480>
them< - Well, we always get told, read the documents.
- And to his point about reading the bylaws, well, the bylaws are not really a contract in this case.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 12:30 pm
Joint Committee on Financial Services
Transcript Highlights:
- If you'll indulge me, I'd like to read it dealing with the firefighters of 9/11.
- I've been relying on CART, but mostly I listen and lip read and understand what's being said.
- , relying on lip reading, sign language, or struggling in silence, modes of communication that, while
- I grew up in Reading, Mass.
- Kamler, who I believe has called in now, so hopefully we resolve the technical difficulties. Dr.
Summary:
The Joint Committee on Financial Services held a public hearing on a wide range of bills, with testimony first focused on H. 1315/S. 824, which would require insurance coverage for pain management options during IUD insertion. Representative Sabadosa, Planned Parenthood clinicians, and policy advocates said sedation can reduce fear and trauma, improve access to effective contraception, and should be reimbursed so providers can continue offering it. A Tufts OB-GYN resident also testified that pain control should be standard care for intrauterine procedures. No votes were taken during the hearing.
The committee then heard extensive testimony on firefighter health bills, especially H. 1230/S. 690 requiring insurance coverage for cancer screenings for firefighters. Professional Fire Fighters of Massachusetts leaders, a Dana-Farber oncologist, and firefighters themselves described occupational exposure to carcinogens and personal stories of late-stage cancer detection, arguing that early screening can save lives and reduce long-term costs. Representative Crichton and Representative Howitt also spoke in support, and Representative Ayers testified for H. 4012, which would require neurological disorder screenings for firefighters. Committee members expressed support and sympathy, but no action was taken.
The hearing also covered H. 3946/S. 756 on hearing aid coverage, with testimony from students, adults with hearing loss, disability advocates, and HLAA representatives describing the educational, social, and financial barriers caused by lack of coverage and urging broader insurance mandates. Later, Representative Donahue and Representative Vargas testified for H. 1337 to expand insurance coverage for opioid antagonists and related medications, including naloxone dispensed at discharge. The committee additionally heard testimony on H. 1134 to improve chronic pain care coordination and non-opioid access, and H. 4162 to improve ostomy supply coverage and access to certified ostomy care, with patients and clinicians describing denials, quantity limits, and non-medical switching. The transcript ends while testimony on H. 1315/S. 824 is still ongoing; no votes or formal committee actions are recorded in the excerpt.
NH
Transcript Highlights:
- instead of me U will let you read instead of me U reviewing<00:11:23.120>
it <00:11:23.959> - testimony brief today and you can read testimony brief today and you can read in<00:12:34.240>
- <00:40:42.599>
that ought to know I mean as I read that ought to know I mean as I read that- <01:31:17.440>
for misconstrued and cause difficulty for misconstrued and cause difficulty- But the difficulty is, if you go back up to paragraph 1, video recording is never required.
- <00:40:42.599>