Transcript Highlights:

• Mick Campbell is the commissioner for the Division of Finance.
• So let's use homeowners as a prime example.
• Page 41 is our Division of Finance.
• Mick Campbell, Commissioner of the Division of Finance.
• This is for the Division of Finance.

Committee: House Budget

Keywords: 959, house, all

Transcript Highlights:

• This process is complicated and requires expertise and access to financing.
• Even one homeowner might say, I'm going to sell my home because I lost my job.
• Make sure that homeowners actually live there at least three years.
• It's homeowner-occupied.
• bill later as it relates to the finances.

Committee: House Housing and Community Development

Keywords: 988, house, all

Transcript Highlights:

• These changes will ensure mobile home owners are given the same protections as traditional homeowners
• The mobile home residency law provides vital protections in Article 7 of that law to allow homeowners
• The mobile home residency law provides vital protections in Article 7 of that law to allow homeowners
• Upon request of the selling homeowner, the existing law allows or provides that management must give
• It's Tara Clancy, mobile homeowner in Alameda County. I support this bill. Good morning.

Summary: The Assembly Housing and Community Development Committee heard four items, including one consent bill, and began before quorum was established. AB 760, by Assemblymember Ta, would temporarily allow mobile home park-owned homes to be rented to people displaced by a natural disaster in areas under a declared state of emergency, including adjacent jurisdictions. Supporters said it would quickly add housing after fires, floods, or earthquakes; there was no opposition at the hearing, and members generally praised the narrow committee amendments. The bill later passed on a due-pass-as-amended vote. Chair Haney presented AB 1445, which would let cities create downtown recovery districts to finance office-to-housing conversions and other downtown revitalization projects using growth in property tax revenue. Support came from the California Travel Association, Housing Action Coalition, IKEA, Spur, Abundant Housing, and Circulate San Diego, with members saying the bill could help downtowns recover and expand mixed-use housing. The committee voiced support and interest in broader use of the tool, and the bill was approved on a due-pass-as-amended vote. AB 456, by Assemblymember Connolly, drew the most extensive debate. The bill would prohibit mobile home park managers from requiring interior repairs or improvements as a condition of sale and would require timely written lists of exterior repairs, with supporters arguing that park managers are interfering with sales and delaying closings. Opponents, led by the Western Manufactured Housing Communities Association, argued that interior inspections are needed to protect buyers and park residents from unsafe conditions and potential liability. Members raised questions about safety, disclosure, HCD oversight, and liability; after discussion, the bill was moved on a due-pass-as-amended vote, with some members not voting or expressing reservations. The committee also approved the consent calendar.

Transcript Highlights:

• So under current law, that is something that the homeowner is able to do.
• This means that the homeowner can sometimes not be able to negotiate settling of payments.
• The homeowner will just sign the contract. They probably won't look at the fine print.
• There's also coverage for usually for temporary housing during the homeowner.
• They have a should be paid for temporary housing, well, now the homeowner has no recourse.

Summary: The committee held a public hearing on an amended and restated tribal-state gaming compact with the Squaxin Island Tribe. Washington State Gambling Commission staff explained the compact amendment process and said the restatement consolidates six prior amendments, updates several appendices, and adds new provisions including high-limit room options and electronic table games. Squaxin Island representatives said the changes clarify the existing compact, improve casino regulation and management, and support tribal economic development and community services. Committee members expressed support, and the compact will next go through additional commission and legislative review before possible governor approval. The committee then heard Senate Bill 5831, which enacts the Uniform Mortgage Modification Act. Staff and the bill sponsor said the measure creates safe harbors for common mortgage modifications, clarifies when modifications must be recorded, and preserves the priority of modified mortgages in foreclosure without preempting other mortgage or lending laws. A Uniform Law Commission representative testified that the bill would advance protections by reducing uncertainty and costly attorney opinion requirements. There was no opposition testimony, and the public hearing closed without a vote. Senate Bill 6178, requested by the Insurance Commissioner, would prohibit contractors and others from soliciting or requiring post-loss assignments of property insurance benefits from insureds, making such agreements void and enforceable by the commissioner with civil penalties. The sponsor, Insurance Commissioner, and several supporters said the bill would protect homeowners after disasters from losing control of their claims and help prevent contractor abuse; a consumer attorney, PEMCO, and the National Insurance Crime Bureau also supported it. The committee then heard Senate Bill 6031, which expands and modernizes the state’s insurance fraud laws, classifies insurance fraud as a Class B felony, broadens reporting and investigative authority, and extends the fraud program to related crimes affecting insurers and consumers. The Insurance Commissioner, anti-fraud groups, and industry representatives supported the bill, while the Washington Society of CPAs said concerns about CPA language would be addressed by amendment. After public hearings, the committee moved to executive session, adopted a proposed substitute for SB 5928, and voted do-pass recommendations for SB 5928 as amended and SB 5919, sending both to Rules.

Transcript Highlights:

• For many first-time homeowners, the process can be overwhelming and full of unexpected challenges.
• MFPP successfully assisted 31 homeowners in keeping their home. 100% of the homeowners who completed
• </c><00:38:01.400><c> homeowner's</c> buyer or excuse me homeowner homeowner's buyer or excuse me homeowner
• </c><00:38:12.599><c> in</c> successfully assisted 31 homeowners in successfully assisted 31 homeowners
• MFPP successfully assisted 31 homeowners in keeping their homes.

Committee: Senate Housing and Homelessness Prevention

Keywords: 1187, senate, all

Transcript Highlights:

• Madam Chair and members, Judah Waxbaum, I'm chief of government affairs for the Water Infrastructure Finance
• Madam Chair and members, Judah Waxbaum, I'm chief of government affairs for the Water Infrastructure Finance
• Madam Chair and members, House Bill 2096 expands projects funded by the Water Infrastructure Finance
• Okay, so this program basically is to help homeowners who have a cesspool that is non-compliant right
• So this program allows the flexibility of a homeowner to move forward with getting a new system, the

Bills: HB2029 , HB2030 , HB2096

Committee: House Natural Resources, Energy & Water

Keywords: water conservation, grants, infrastructure, environmental protection, sustainability, grant fund, Arizona water law, A.R.S. 49-1332, water efficiency, water reuse, education programs, public outreach, rainwater harvesting, gray water, graywater, drought-resistant landscaping, xeriscaping, turf removal, groundwater recharge, aquifer health

Transcript Highlights:

• I call this meeting of the House Housing Finance and Policy Committee to order.
• Minnesota Housing Finance Assembly would Minnesota Housing Finance Assembly would give<00:01:42.880><
• I know they they finance agency yet.
• </c><00:08:45.200><c> Agency</c> the the Minnesota Housing Finance Agency the the Minnesota Housing Finance
• </c><00:41:29.359><c> or</c> shift on to other uh homeowners or shift on to other uh homeowners or business

Bills: HF3600 , HF3809 , HF3608

Committee: House Housing Finance and Policy

Keywords: housing, community land trusts, competitive development, development programs, Minnesota, HF3809, Minnesota eviction law, landlord-tenant, residential lease, minor child, children in eviction, eviction complaint, defendant prohibition, expedited eviction, expedited hearing, summary eviction, tenant protections, housing policy, civil penalty, nonwaivable lease terms

Transcript Highlights:

• We asked homeowners what they cared about, an open question.
• So as a homeowner, I wanted to emphasize both safety and cohesion.
• SB 6018 concerning the Housing Finance Commission was heard in this committee last Friday.
• SB 6018 concerning the Housing Finance Commission was heard in this committee last Friday.
• This is a new financing tool that would help us do that with oversight.

Summary: The committee heard public testimony on several housing-related bills. On SB 6054, Senator Hunt’s bill to prohibit common-interest community rules from blocking wildfire home-hardening materials, staff explained that HOA and condominium governing documents could still impose reasonable aesthetic rules, but not ones that make fire-resistant materials infeasible or more than 10% costlier. The sponsor described the bill as a response to HOA requirements for less fire-resistant roofs. Testifiers generally supported the goal but objected to the 10% cost cap, saying it could limit community-specific design choices and create unintended conflicts with aesthetic standards. The committee also heard SB 601 on scissor stairs in the building code. The sponsor and supporters from Futurewise, architects, and housing advocates said scissor stairs could make mid-rise and high-rise housing more efficient, reduce corridor space, and improve unit layouts without sacrificing life safety. They noted the design is used in places like Vancouver, B.C. and in some Washington venues, and argued the bill would help lower costs and increase housing supply. No opposition was presented during the hearing. For SB 6015 on permit-ready residential plans, staff said L&I would create a process for publishing approved plans for factory-built housing and certain small residential types, with local governments required to approve applications using those plans on qualifying lots starting in 2027. Supporters from builders, architects, Habitat for Humanity, and Sightline said statewide standard plans could reduce duplication, speed permitting, and help scale factory-built and potentially site-built housing. Counties and L&I were supportive in concept but raised concerns about mandating local adoption of model ordinances and about whether the bill should include site-built plans as well. The committee also heard SB 5470 on detached ADUs outside urban growth areas, with supporters saying it would help rural homeowners and intergenerational living, while Futurewise opposed the bill as written and sought tighter density, lot-size, and metering limits. Finally, the committee heard SB 5729, a permit-streamlining bill that would deem completeness for applications prepared by licensed professionals and limit local governments to three review cycles. Builders and business groups supported it as a way to reduce delays and costs, while counties, cities, and Futurewise argued it could lead to more denials, less communication, and unintended liability concerns. In executive session, the committee adopted the proposed substitute for SB 5884 and moved it forward with a do-pass recommendation to Ways and Means.

Transcript Highlights:

• Uh, if you go on to tab 2, This is the Mortgage Finance Authority Act.
• We have 3 separate divisions, which is our finance division, if you will.
• For homeowners on, on how they build wealth through homeownership.
• very low and low income homeowners or or people to become homeowners, and we will explain how that works
• They pay less when they're homeowners.

Committee: House Mortgage Finance Authority Act Oversight Committee

Transcript Highlights:

• Or for homeowners to install new grass or turf.
• in the way that it was financed.
• , HB 3045 to Finance, HB 3016?
• to Finance, HB 3161 to Finance, HB 3045 to Finance, HB 3161 to Finance, HB 3370 to Local Government,
• HB 3371 to Finance, HB 3418 to Criminal Justice, HB 3462 to Local Government, HB 3486 to Finance, HB

Summary: The Senate opened with an invocation by Pastor Tedrick Woods, followed by routine chamber actions including excusing Senator Gutierrez and receiving House messages that the House had passed HB 21 and HB 49. Senators also recognized advocates visiting the gallery on focal segmental glomerulosclerosis awareness and introduced the Doctor of the Day. The chamber adopted several resolutions, including HCR 66, by voice vote. The Senate then took up and passed a series of measures, often by suspending the regular order and the constitutional three-day rule. Among the bills finally passed were HJR 2, which would prohibit state death taxes; HB 206, limiting counties from requiring cash bonds for pipeline construction; HB 517, barring property owners associations from fining homeowners for discolored vegetation during watering restrictions; HB 2756, requiring TDCJ correctional officers to receive de-escalation and behavioral health training; HB 451, expanding screening for commercial sexual exploitation risk among children in DFPS and TJJD custody; SB 705, cleaning up the air conditioning and refrigeration contractors advisory board; SB 2017, creating an offense for burnouts and wheelies; SB 1858, expanding body armor grant eligibility to ISDs; SB 1400, directing a study on transfer-student outcomes for community college funding; SB 2764, requiring notice to manufactured home buyers about converting homes to real property; SB 748, a licensing cleanup bill on laser hair removal; SB 2519, restricting certain ad valorem tax uses and bonds after amendment; SB 2878, the courts bill with amendments on Brazoria County courts and youth diversion provisions; SB 466, allowing families to request fetal death certificates at any gestational age; SB 1608, requiring timely physical exams for inpatient mental health admissions; SB 1730, limiting civil damages claims arising from certain uses of force or deadly force; SB 2417, clarifying Attorney General antitrust investigation work product and discovery rules; and SB 1946, creating a family violence, criminal homicide prevention task force. The Senate also passed HB 3204, renaming and updating the Polytechnic College at Sam Houston State University, and SB 1986, requiring opioid warning labels. Several bills drew brief debate or amendments. Senators discussed broader HOA reform while considering HB 517, and SB 2203 on TCEQ discovery procedures was amended to require party motions, set a 15-day expiration for certified issues, and limit hearing abatement. SB 2017 was amended to change the mens rea language from knowingly to intentional. SB 2519 was narrowed by amendment to a forward-looking policy statement separating maintenance-and-operation taxes from debt-service taxes. SB 2878 also received amendments to reduce the number of new Brazoria County courts and add youth diversion and crisis-response provisions. SB 466 prompted a floor debate over whether fetal death certificates are appropriate for pre-20-week losses, with supporters emphasizing family closure and opponents arguing the document has no estate-related purpose. SB 1730 also prompted questions about the relationship between criminal findings and civil liability in self-defense cases. The session concluded with additional House and Senate measures being signed in the presence of the Senate and continued consideration of SB 2177, a grant program to help local law enforcement solve violent and sexual offenses.

Transcript Highlights:

• The Assembly Banking and Finance Committee is now in order. Sergeant, please call absent members.
• It hurts any homeowner who has lost their home, such as the Angelenos in these recent fires, but also
• Assembly Bill 493 seeks to protect homeowners by eliminating the exemption on post-loss insurance payouts
• , making sure homeowners receive the interest on their insurance payouts, and giving them more money
• What you had was homeowners trying to band together to try to expedite the rebuilding process, but it

Summary: The Assembly Banking and Finance Committee met to hear its only agenda item, AB 493 by Assemblymember Harabedian, which would require lenders to pay interest to homeowners on post-loss insurance payouts held in escrow. The author said current law already pays interest on some escrowed funds, but excludes insurance proceeds after a loss; he argued the bill would help wildfire survivors and other homeowners rebuilding after major property damage. He noted amendments clarifying that the bill applies only to loans and only to insurance payouts still held in escrow on or after the bill’s effective date. Support came from the Consumer Federation of California, whose representative said the measure closes a loophole and would provide modest but meaningful help to homeowners facing long rebuild timelines. The California Bankers Association did not oppose the bill but raised concerns about aligning it with existing mortgage servicing law and the treatment of hazard insurance proceeds, saying it wanted to work with the author on technical issues. Committee members expressed support, emphasizing the need to help displaced homeowners access funds more quickly. The committee voted unanimously to pass AB 493 and refer it to the Assembly Committee on Appropriations. The roll call showed the bill receiving eight votes, and the committee then adjourned.

Transcript Highlights:

• Only 4% of homeowners in New Mexico have flood insurance overall.
• Their average premium for homeowners is about $1,700.
• I'm just talking to you as a homeowner and as an insurance agent whose job it is to protect homeowners
• So does that homeowner have the option to decline flood coverage in his otherwise standard homeowners
• I'm the deputy director of the New Mexico Finance Authority.

Bills: SB154 , SB187 , SB193 , SM3

Committee: Senate Senate Conservation

Keywords: insurance, wildfire, flood damage, natural disasters, property coverage, water projects, appropriation, New Mexico, finance authority, infrastructure, New Mexico Finance Authority, funding, SB193, acequia, community ditch, irrigation works construction fund, water infrastructure, ditch infrastructure, irrigation, New Mexico water law

Transcript Highlights:

• Your state financing is repaid through... Hurricane surcharges.
• The first is the elimination of debt financing or securities.
• This just gets those financing... Out of the system. We can do this.
• Like, could one homeowner spend how much? Match?
• The real cost issues that drive homeowners' rates in Texas...

Bills: HB778 , HB 1266 , HB1576 , HB2213 , HB2517 , HB2518 , HB2841 , HB3306 , HB3320 , HB3388 , HB3508 , HB3520 , HB3689

Committee: House Insurance

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• she works with various housing finance authorities.
• Planning and public finance.
• Housing finance agencies are thriving.
• Eligible homeowners must earn 80% area median income or less.
• I'm just looking at the finance.

Committee: House Mortgage Finance Authority Act Oversight Committee

Transcript Highlights:

• Manufactured homes are a low-cost but underutilized form of housing, but finding affordable financing
• as real property and, in turn, gain access to more favorable financing options, such as traditional
• protection that the state has extended to other homeowners.
• You may be asking, how would a titling change actually effectively lower rates and help homeowners?
• Homeowners need time to continue their recovery, planning, and rebuilding.

Committee: House Housing and Community Development

Keywords: 988, house, all

Transcript Highlights:

• ><c> land</c> Since homeowners rent the land Since homeowners rent the land underneath<00:04:21.280><
• </c> game-changer for manufactured homeowners game-changer for manufactured homeowners in<00:08:14.760
• be returned to those homeowners.
• </c> returned to those homeowners. returned to those homeowners.
• </c> to the Finance Committee. to the Finance Committee.

Committee: Senate Housing and Homelessness Prevention

Keywords: 1187, senate, all

Transcript Highlights:

• Many mobile homeowners are older. They're disabled.
• We kind of facilitate that; we link them up with financing and so forth.
• You have to look at park finances. You have to look at the leases.
• In addition to that, there are financing costs, commitment fees, etc.
• They have to secure financing. They have to be able to do that.

Committee: Senate Housing

Keywords: 987, senate, all

Transcript Highlights:

• Lenders and homeowners alike agree that it is far better to give the homeowner every opportunity to keep
• </c><00:35:01.520><c> keep</c> has helped innumerable homeowners keep has helped innumerable homeowners
• Lenders and homeowners their homes.
• </c><00:35:29.520><c> has</c> is the situation where a homeowner has is the situation where a homeowner
• </c><00:35:39.200><c> in</c> the situation where the homeowner in the situation where the homeowner in

Keywords: 1183, house

Transcript Highlights:

• Clark. financed over a 15-year period like a financed over a 15-year period like a road<00:18:21.080>
• burden on homeowners.
• Thank you for your testimony. homeowner to break the bylaws to rent homeowner to break the bylaws to
• burden on homeowners.
• burden on homeowners.

Committee: Senate Housing and Homelessness Prevention

Keywords: 1187, senate, all

Transcript Highlights:

• that work on behalf of homeowners.
• </c> dedicated team that support homeowners dedicated team that support homeowners who<00:15:49.639><
• </c><00:26:28.320><c> property</c> of directors homeowners property of directors homeowners property
• all of the homeowners uh higher costs<00:27:04.360><c> for</c><00:27:04.480><c> homeowners</c><00:27
• </c> time and would help homeowners time and would help homeowners especially<01:03:57.599><c> when</

Committee: House Housing Finance and Policy

Keywords: 1183, house