Transcript Highlights:

• Um, our interest rate is set at a minimum of 4%. Currently, the SRF program can do 0%.
• <00:17:43.280> Um, a better interest rate than we can.
• Um, a better interest rate than we can.
• What other rate of returns do they have?
• of returns do they what what other rate of returns do they have?

Bills: HB0078, HB0087, SF0070, SF0068, SF0017, SF0043

Keywords: forest health, grant program, state forester, wildfire prevention, environmental conservation, habitat improvement, water development, feasibility studies, appropriations, water management, rehabilitation, irrigation, public works, agricultural supply, municipal water, funding, maintenance projects, tax assessments, state law, forestry management

Transcript Highlights:

• That's because with a rental 40B only, you get three market-rate units for every one affordable.
• They continue to rise at unsustainable rates, forcing more and more families to compete for a smaller
• The property includes a two-family home, which was leased from the town for well below market rate.
• The property includes a two-family home, which was leased from the town for well below market rate.
• Finally, allowing different rates by municipality will create confusion and inequity.

Keywords: 995, all

Summary: The Joint Committee on Revenue held a public hearing on a series of bills focused largely on local-option real estate transfer fees and housing funding tools for communities facing severe affordability pressures. Testimony strongly favored bills for Somerville, Concord, Martha’s Vineyard, Nantucket, Chatham, and a statewide local-option transfer fee, with speakers arguing that high-end real estate transactions should help fund affordable housing, anti-displacement efforts, workforce housing, and related capital improvements. Elected officials and local housing leaders described rising rents and home prices, investor activity, shrinking year-round housing stock, and difficulty recruiting or retaining teachers, police, health care workers, and other essential employees. Several witnesses emphasized that the proposals would be optional for municipalities, could include exemptions for first-time homebuyers or seniors, and would direct revenue into local affordable housing trust funds or housing banks. Committee members asked questions about who would pay the fee and whether it could make housing less affordable, and supporters responded that the fees would be targeted at higher-value transactions and designed with local flexibility. For Somerville, the delegation and Mayor Katjana Ballantyne backed both a local home rule petition and statewide enabling legislation, saying the city has already used zoning reform, inclusionary zoning, and local housing funds but still needs a new revenue source to address displacement and investor-driven purchases. For Concord, Representative Carmine Gentile and Concord housing advocates supported a home rule petition and the statewide bill, arguing that a modest fee on sales above $1 million could generate predictable revenue for affordable housing production and preservation. One committee exchange focused on whether the fee would affect most Concord sales and whether it would be passed on to buyers; supporters said the policy was intended to shift costs toward higher-value properties and help leverage other funding sources. The committee also heard testimony on House 4105, which would redirect a casino-related revenue stream to the Healthy Incentives Program. Farmers, advocates, and residents said the current funding was originally intended to support horse racing but has not met that goal, and that the money would be better used to support Massachusetts farmers and food-insecure residents through HIP. In a separate bill, Senator Becca Rausch testified in support of Senate 268, which would create a state-level hostile learning environment complaint process for higher education institutions and potentially strip tax exemptions from colleges or universities found to have such environments; she cited anti-Semitic and transphobic incidents on campuses and argued that existing federal protections should be mirrored in state law. The hearing also included testimony on college tuition debt reduction legislation from Senator Michael Moore, who said the bill would allow a deduction for tuition and fees paid to Massachusetts public colleges and universities to ease student debt and support the state’s workforce. A major portion of the hearing focused on Martha’s Vineyard and Nantucket housing bank proposals. Hospital, school, housing, planning, and municipal officials from Martha’s Vineyard said the island’s year-round housing shortage is harming health care, schools, and the local workforce, and urged approval of a housing bank funded by a local-option transfer fee. Nantucket witnesses made similar arguments, pointing to a very high median home price, a large seasonal housing stock, and the need for a dedicated revenue stream to preserve and create year-round housing. Supporters repeatedly cited the long-running success of the islands’ land banks as evidence that transfer fees can work without harming real estate markets. Senator Julian Cyr and Representative Thomas Moakley Luddy also backed the Cape and Islands transfer-fee bills, saying the region needs bold action and a sustainable local funding source to address its housing crisis.

Transcript Highlights:

• Non-fatal shooting clearance rates in Minneapolis were just 23%.
• Non-fatal shooting clearance rates in Minneapolis were just 23%.
• jumped from 39% to 65% clearance rates. jumped from 39% to 65% clearance rates.
• jumped from 37% to their clearance rates jumped from 37% to 71%. 71%. 71%.
• So, that's why I'm clearance rates.

Keywords: 919, house, all

Summary: House File 1082, a public safety finance bill extending the time to use certain appropriations, was taken up on the House floor and described by the author as a package of funding and policy changes. The bill’s major components included $12 million for victim services such as domestic violence shelters, sexual assault advocates, child abuse programs, and general crime victim services; creation of a domestic violence task force; additional funding for Philando Castile training; increased penalties and other criminal law changes; a process for decommissioning law enforcement vehicles; a task force on uniform IDs for first responders; a non-fatal shooting clearance grant program; corrections employment program changes; and line-of-duty death benefit updates for first responders. Members speaking in support emphasized the need to stabilize victim services, improve responses to domestic violence, and address public safety gaps identified after recent events. The House adopted Amendment A21, which requires the Department of Public Safety to convene a task force to study transitioning the ARMOR emergency communications system to a statewide funded model. Supporters said the system needs major upgrades and that the task force could examine funding options, including ideas previously discussed for a modest cell phone fee. The House then adopted Amendment A18, as amended by technical Amendment A22, to add protections for police and other public safety officers against doxxing and release of certain personal information, modeled in part on protections previously enacted for judges. Debate on A18 focused on whether the bill should protect only law enforcement or be part of a broader approach to data privacy; supporters argued officers and their families face real threats, while some members said the issue should be addressed more broadly. The amendment passed on a roll call vote, 119-11. During third reading discussion, members highlighted the first-responder provisions, especially the task force on standard IDs and the line-of-duty death changes. Supporters said the ID task force was prompted by the June 14 events and could help quickly verify responders and improve coordination at large incidents. The line-of-duty death update was described as expanding eligibility for part-time and paid-on-call firefighters and including occupational illnesses, especially job-related cancer, in response to long-standing concerns from firefighters and their families. No final vote on the bill itself was shown in the transcript excerpt, but the bill advanced after the amendments were adopted.

Transcript Highlights:

• We had 86 legislators, current legislators participate in it for a 61% rate.
• For instance, fuel tax rate changes.
• If you're legislating, you're thinking maybe I want to change or adjust that rate.
• For instance, fuel tax rate changes.
• If you're legislating, you're thinking maybe I want to change or adjust that rate.

Summary: The Legislative Procedure and Arrangements Committee met with a quorum, approved the prior minutes, and then took up a draft bill to make legislators’ and candidates’ residential addresses confidential in public records. Legislative Council and the Secretary of State explained the proposal was prompted by security concerns and would protect residential addresses while still allowing election officials to verify residency and keep candidate names and offices public. Members raised concerns about unintended consequences, transparency, and how the change would affect rural districts and residency enforcement. The Secretary of State suggested an amendment to end the confidentiality when a candidate’s term ends, and the committee agreed to hold the bill over for further discussion at the next meeting. The committee also reviewed follow-up materials on legislator security and best practices, including advice on situational awareness, internet hygiene, varying routines, and reporting threats, along with NCSL materials comparing capitol security practices in other states. Members discussed a recent security incident and the need to keep alert contact information current, and staff said they would continue working with the Highway Patrol on legislative-specific notifications. The bulk of the meeting was devoted to Garrity Consulting’s final report on mitigating the effects of legislative term limits. The consultants summarized survey, focus group, and stakeholder input showing concerns about loss of institutional knowledge, leadership turnover, onboarding demands, and workload pressures, while also noting public support for term limits and annual sessions. Recommendations included considering annual sessions or shifting biennial sessions to even-numbered years, restructuring organizational session and interim committee work, creating office hours and more structured orientation and mentorship, expanding ongoing training and staff support, improving public communication and virtual testimony rules, and addressing barriers to service such as employer support and travel costs. Members discussed the tension between making the legislature more effective and preserving a citizen-legislature model, and the report was received as a roadmap for future implementation rather than immediate action.

Transcript Highlights:

• And at the current rate of consolidation, it's estimated by we'll have just one company its dominance
• > consolidation,<00:10:40.240> it's the current rate of consolidation, it's the current
• ,<00:17:48.480> demographics,<00:17:49.440> search<00:17:49.679> history, rates,
• demographics, search history, rates, demographics, search history, inferences<00:17:51.039> about
• A streaming service offers you a lower rate to come back after you have canceled.

Keywords: 1183, house

Summary: House File 3794, as amended by the A4 amendment, was heard in committee. Representative Greenman described the bill as a ban on surveillance-based pricing and wage discrimination, with a disclosure requirement for companies using automated data to set individualized prices or wages. The A4 amendment was adopted; Greenman said it updated language based on attorney general and stakeholder feedback and added a burden-shifting provision that would let consumers or workers establish a presumption, which companies could then rebut with data. Greenman and supporters argued the bill would stop companies from using personal data and AI tools to charge different prices to different people, while still allowing ordinary market-based discounts and clearly offered group discounts such as those for veterans, students, or teachers. Supportive testimony came from the Minnesota Farmers Union, a neighborhood bookstore owner, Consumer Reports, and a small business owner. They said surveillance pricing undermines fairness, transparency, and competition, and cited examples such as different online prices based on location, browser history, or loyalty-program data. Testifiers also warned that AI-driven pricing and discounting can be opaque and discriminatory, and that small businesses cannot compete with large firms that control more data. Consumer Reports said consumers should not have to use workarounds like VPNs to compare prices and noted that some discounts based on personal data may also need sunlight and guardrails. Opposition came from the Minnesota Chamber of Commerce and the Chamber of Progress. They argued the bill’s definitions are too broad and could sweep in ordinary business analytics, loyalty programs, targeted promotions, inventory tools, and even spreadsheets, creating compliance risk and discouraging innovation and investment. They also warned the bill could burden small businesses and interfere with workplace management and compensation decisions. During member discussion, several legislators voiced support for the bill as a transparency and fairness measure, while one member noted that the most egregious examples appear to be in e-commerce and said the committee was laying the bill over for further consideration.

Transcript Highlights:

• In FY 2024, we had a 36% success rate.
• In FY 2024, six out of 40 projects were completed, resulting in a 90% success rate.
• You have an extremely high completion rate for the... ...work that's being done.
• Can you talk about how ISC has been able to achieve that completion rate?
• My people died at twice the rate of anybody else.

Transcript Highlights:

• . rate. rate.
• Um, states that have the higher breathalyzer rate have lower DUI rates on the road.
• Um, states that have the higher breathalyzer rate have lower DUI rates on the road.
• Um, states that have the higher breathalyzer rate have lower DUI rates on the road.
• <02:06:17.440> haven't<02:06:17.760> been rates haven't been rates haven't been included

Keywords: 1189, house, all

Transcript Highlights:

• , this proposal proposed amendments rate, this proposal proposed amendments rate, they<03:31:46.960
• :31:55.600> elderly, current proposed rate, the elderly, current proposed rate, the elderly, disabled
• , least, under the current proposed rate, least, under the current proposed rate, our<03:32:25.680
• However, under the rate I $49.7 million.
• So a lower tax rate gives these operators money to be able to invest.

Keywords: 1191, senate, all

Transcript Highlights:

• You get paint at a much cheaper rate than $50,000 to repaint your government housing.
• <02:51:07.120> than at a much cheaper rate than at a much cheaper rate than $50,000<02:51:
• <04:31:22.479> that<04:31:22.600> was making cars at a rate that was making cars at
• a rate that was unfathomable<04:31:24.880> at<04:31:25.040> that<04:31:25.239> time
• It and that's assuming interest rates don't go up on us.

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, February 11, 2025, 1012, house, all

Transcript Highlights:

• This is our eighth attempt since 1988 to get a page rate increase.
• We need a rate increase. Thank you for your time.
• The biggest fix would come from fixing the Chapter 70 inflation rate.
• Additionally, we have a 2% recidivism rate versus the 30-plus percent recidivism rate in Massachusetts
• The current rates included in House 1 leave the programs and, in turn, consumers vulnerable.

Keywords: 995, all

Summary: The Joint Ways and Means Committee held its final public hearing on the FY26 state budget, with chairs and members emphasizing that public testimony would help shape the budget and asking speakers to keep remarks brief. Committee leaders introduced members, explained the hearing process, and repeatedly thanked residents, students, and advocates for participating. No votes were taken during the hearing. Testimony focused heavily on education funding and the Chapter 70 formula. Students from Amherst, Northampton, Gateway Regional, Chester Elementary, and other districts described budget-driven cuts to electives, special education supports, paraprofessionals, counselors, transportation, and building maintenance. They urged higher Chapter 70 aid, increased minimum aid, rural school aid, and a reopening or restructuring of the funding formula, arguing that current formulas leave many districts unable to meet student needs and force local layoffs and overrides. Other speakers urged funding or protection for a range of programs and facilities, including the Louis D. Brown Peace Institute for homicide survivor services, the Museum of African American History, the Massachusetts Commission for the Deaf and Hard of Hearing and CART/interpreter services, the Access to Counsel housing legal aid program, the Department of Mental Health and Pocasset Mental Health Center, and Pappas Rehabilitation Hospital for Children. One speaker opposed offshore wind-related spending and urged a reset of the state’s energy approach, while another advocated ending the aircraft sales tax exemption. Committee members responded sympathetically to many speakers, asked a few follow-up questions, and several expressed support for maintaining or expanding the programs discussed.

Transcript Highlights:

• rate on that. rate on that. >> Okay.<00:42:57.200> Followup. >> Okay.
• <00:47:47.680> rise their drunk driving fatality rates rise their drunk driving fatality rates
• So lower rate if you're by 14.14%.
• drink saw higher drunk driving rates. drink saw higher drunk driving rates.
• <00:48:48.160> of Hampshire's experienced a high rate of Hampshire's experienced a high rate

Keywords: 1191, senate, all

Transcript Highlights:

• 00:03:37.920> due<00:03:38.400> on This included some proposals to just increase the rate
• to just This included uh some proposals to just increase<00:04:48.639> the<00:04:48.880> rate
• /c><00:04:49.680> various<00:04:50.080> amounts<00:04:51.120> uh increase the rate
• by various amounts uh increase the rate by various amounts uh incorporate<00:04:52.800> uh<00
• But the rate at which it increases has been decreasing.

Keywords: 1183, house

Transcript Highlights:

• , Islam, fascism, Aryan Nation, uh anarchism, whatever, and these and other movements certainly do rate
• these and other movements<00:17:29.760> certainly<00:17:30.200> do<00:17:30.440> rate
• <00:17:30.799> attention movements certainly do rate attention movements certainly do rate
• Do these millions of deaths rate any historical awareness?
• <00:22:34.960> any do these millions of deaths rate any do these millions of deaths rate any

Keywords: 928, house, all

Summary: The committee heard testimony on House Bill 749, which would require high schools to provide at least one hour of instruction on the nature and history of communism. The prime sponsor said the bill was prompted by concerns that students lack basic historical knowledge about communism and its effects, and argued that a short, flexible requirement could be embedded in an existing course without creating a new full class. He described communism as a totalitarian ideology and cited historical examples including the Soviet Union, Cambodia, Vietnam, the Cold War, and current events involving Russia, Ukraine, and Taiwan as reasons students should understand the topic. Members asked whether the subject is already covered in current social studies standards, whether one hour is enough, and whether the bill would apply to public, private, parochial, and charter schools. The sponsor said he did not believe communism is specifically required in current standards, that he would prefer a full course but was proposing a minimal requirement, and that he intended the bill to apply broadly to schools under the Department of Education’s umbrella, though he acknowledged the wording may need clarification for charter schools. He also said the proposal was both reactive and proactive, based on anecdotal concerns and his teaching experience. A second supporter testified that he was born in the Soviet Union and favored the bill, but suggested the instruction should emphasize critical thinking and explain both why communism can appeal to some people and why it can have harmful consequences. No vote or final committee action was taken during the portion of the meeting provided.

Transcript Highlights:

• <00:16:12.480> of around the world last year the rate of around the world last year the rate
• The rate of Mera and staff in Hawaiʻi is twice the average on the continent.
• The rate of Mera and staff in Hawaiʻi is twice the average on the continent.
• Fletcher’s lab over years of determining the rate of erosion along the shorelines.
• it explains why Maui has the worst rates it explains why Maui has the worst rates of<00:54:11.119

Keywords: 912, senate, all

Transcript Highlights:

• So, they're stuck with debt obligations that their rate base can't support.
• the interest rates.
• the interest rates.
• the interest rates.
• middle rate is for those that fall in between those two categories.

Keywords: 958, all

Summary: The committee received a budget and program update from Kentucky Emergency Management on the state’s urban search and rescue buildout. Eric Gibson and Doug Hargrave said the legislature’s funding was used to create FEMA-type urban search and rescue capacity, including Kentucky Task Force 1 and 2, the incident support team, and the helicopter aquatic rescue/hoist team. They emphasized that the effort is not just equipment purchases but also training, credentialing, warehouse and training-facility development, canine program expansion, and coordination with local search and rescue agencies across the Commonwealth. Gibson reported that the agency executed 99.4% of the $16.175 million appropriation by the end of the fiscal year and said the team met its readiness target ahead of schedule, with equipment already being deployed in recent flood response operations. He also said $500,000 per year was set aside for local search and rescue grants, with about $482,000 awarded to 29 teams in one year and $490,000 to 36 teams in the next, averaging about $20,000 per grant. Several members urged the committee to consider increasing support for local responders in future budgets, noting rising equipment costs and the importance of local teams as first on scene. Members asked about staffing, coverage, and benefits. Gibson explained that the task force is a mixed workforce of full-time fire personnel loaned from local departments, professional service staff such as doctors and engineers, and temporary deployment staff, with workers’ compensation coverage provided through KYEM and/or home agencies depending on the arrangement. He also said local search and rescue members are not currently included in line-of-duty death benefits. In response to questions about coverage and deployment, he described the two task force locations as designed to keep resources within roughly 100 miles of every Kentuckian. The discussion also turned to recent flood response and disaster recovery. Gibson said the state had mobilized up to 24 teams over the weekend, documented roughly 60 to 80 water rescues or assisted evacuations, and was seeing significant damage in counties such as Cumberland, Clinton, and Metcalfe, including agricultural losses. He said several counties were meeting FEMA public assistance thresholds and that the state was preparing a broader relief request that could include FEMA, SBA, and USDA assistance. He also updated members on efforts to claw back and reallocate unused “strained fiscal liquidity” funds by the statutory deadline, saying notices were sent and funds were redirected where possible to unmet local needs.

Transcript Highlights:

• Data on the persistence rates, completion rates, average cumulative debt, and time to degree completion
• launched, Tennessee's college-going rate launched, Tennessee's college-going rate saw<00:15:59.280
• earning degrees at more than<00:16:23.560> triple<00:16:23.880> the<00:16:23.959> rate
• Our pre-med students have a 68% acceptance rate into medical school.
• acceptance rate into medical school. acceptance rate into medical school.

Keywords: 1187, senate, all

Transcript Highlights:

• did want to note it, and that this exemption will help with our efforts to reduce our payment error rate
• did want to note it, and that this exemption will help with our efforts to reduce our payment error rate
• did want to note it, and that this exemption will help with our efforts to reduce our payment error rate
• /c> um for SNAP um based on our payment um for SNAP um based on our payment error<00:18:19.520> rate
• So we really error rate if it's over 6%.

Keywords: 910, house, all

Summary: The committee on Human Services and Homelessness received a briefing from Scott Morish of the Hawaii Department of Human Services on upcoming SNAP changes tied to the federal One Big Beautiful Bill Act (HR1/OBBA) and on the federal government shutdown’s impact on November SNAP benefits. DHS described its SNAP workload and statewide participation, noting about 86,229 households and 168,947 individuals receiving benefits in September, with roughly $58–$60 million distributed monthly. Morish said DHS has already made system and policy updates in preparation for the November 1 implementation date. Most of the briefing focused on expanded able-bodied adult work requirements. DHS explained that the work rule now applies to additional groups, including adults ages 55 to 64, households with dependent children age 14 and older, people experiencing homelessness, veterans, and youth ages 18 to 24 who transitioned from foster care. The department said affected individuals must generally work or participate in qualifying activities for 80 hours per month, with noncompliance leading to a three-month benefit limit and a 36-month ineligibility period. DHS also reviewed exemptions, including for disability, pregnancy, caregiving, school or training, unemployment, and substance use treatment, and clarified that the new Indian Health Care Improvement Act exemption does not include Native Hawaiians. DHS said it received approval for Hawaii’s request for a non-contiguous-state exemption from payment error penalties through September 30, 2026, but must still make good-faith efforts to implement the work rules. Morish also outlined OBBA changes to non-citizen eligibility, saying that beginning November 1 only lawful permanent residents, COFA residents, and Cuban or Haitian entrants will remain eligible, while other previously eligible categories such as refugees, asylees, and some parolees will no longer qualify. He noted that ineligible non-citizens must still be included in household reporting and their income counted. The committee then discussed the federal shutdown’s effect on SNAP, with DHS saying USDA directed states to suspend November SNAP issuance because of insufficient funding; existing October benefits remain usable, and TANF and general assistance are not affected. DHS said it has posted FAQs and call-center messages, and is working with the Hawaii Food Bank on an additional $2 million in support and with nonprofit partners on a new Hawaii Relief program funded by TANF for families with dependent children. Members asked about eligibility for kūpuna and documentation for the relief program, and DHS said the TANF-funded program is limited to households with a child under 18, while FAQs are now available online.

Transcript Highlights:

• It's not just it's not South Texas and Laredo has the highest rates of Alzheimer's in the the state of
• So why are the rates so high? Because. of the high rates of diabetes, obesity, and hypertension.
• We heard the speaker earlier talk about high rates of dementia in the valley.
• Obesity, we have high rates of liver disease, we have high rates of obesity. liver disease, diabetes,
• One, it looks like South Texas has the highest rate of Alzheimer's.

Bills: HB5, HJR3, HB155, HB513, HB5, HB155

Keywords: dementia, research, health care, Texas Institute, grants, medical breakthroughs, oversight, prevention, funding, healthcare, Texas, autopsy, confidentiality, public records, medical examiner, law enforcement, HB 513, surgical smoke, surgical plume, smoke evacuation

Transcript Highlights:

• dementia<00:02:32.200> for<00:02:32.720> individuals<00:02:33.400> 65 rates
• of dementia for individuals 65 rates of dementia for individuals 65 plus<00:02:34.560> what<00
• That's nearly 11% of our child population and one of the highest rates in the nation.
• That's nearly 11% of our child population and one of the highest rates in the nation.
• That's nearly 11% of our child population and one of the highest rates in the nation.

Keywords: 00:00:00 Call to Order/Roll Call 00:01:20 Discussion of 25RS HB 479 00:03:22 Roll Call Vote on 25RS HB 479 00:04:51 Discussion of 25RS HB 574 00:21:49 Roll Call Vote on 25RS HB 475 00:23:41 Discussion of 25RS HB 291 01:04:38 Roll Call Vote on 25RS HB 291 01:05:42 Adjournment, 958, all

Summary: The House Standing Committee on Families and Children met and first took up House Bill 479, which would require one hour of dementia training for DCBS workers. Representative Derrick Lewis and the Alzheimer’s Association said the bill was a straightforward, bipartisan effort to address dementia awareness and improve worker training, with no fiscal impact. Members spoke in support, including remarks about personal family experiences with dementia and the importance of recognizing symptoms early. The committee voted 11-0 to pass the bill with favorable expression. The committee then heard House Bill 574, the “Baby Maya” child protection bill, sponsored by Representatives Dossett and Lewis. The bill would require reporting when a child is born to a parent who previously had children removed for neglect or abuse, create a rebuttable presumption allowing the Cabinet for Health and Family Services to make an initial safety determination, authorize emergency custody procedures, and name the measure the Baby Maya Law. Sponsors said it was intended to add guardrails after the Baby Maya case and stressed that it would not automatically remove children or add new mandatory-reporter penalties. Members asked about hospital involvement, HIPAA, and information-sharing; the Cabinet commissioner said the agency would be open to better data-sharing with hospitals, but currently has no such system. The bill passed 12-1 with favorable expression. Finally, the committee considered House Bill 291, the Family Preservation and Accountability Act, with a committee substitute. The bill would expand sentencing alternatives for primary caregivers convicted of nonviolent offenses, allowing judges to consider family status and use options such as counseling, parenting classes, and related services. Supporters argued it would keep families together, reduce harm from parental incarceration, and save money; one witness cited a report estimating $4 million in direct incarceration savings and broader economic benefits. Another witness, Amanda Hall, gave emotional testimony about the long-term harm of parental incarceration and said access to help would have been better for her family than prison. The committee adopted the committee substitute and passed the bill 12-1 with favorable expression.

Transcript Highlights:

• Black and Latino borrowers have received conventional mortgage loan originations at roughly half the rate
• What this bill does not do is create a new substantive liability, impose ratings, or require reinvestment
• In 2025, this process had a nearly 50% success rate in recovering funds that otherwise would have been
• What it does is allow businesses to make informed decisions about the rates at which they're expected
• However, this section gives the Commission broad authority to require rates and charges to be stated

Keywords: 987, senate, all