Video & Transcript Research : 'judgment foreclosure'

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MN

Minnesota 2025-2026 Regular Session

Committee on Health and Human Services - 03/04/26

Health and Human Services

Transcript Highlights:
  • When a farmer is facing foreclosure, when a teenager discloses dating violence, when a child reports
  • When a farmer is facing foreclosure, when a teenager discloses dating violence, when a child reports
  • When a farmer is facing foreclosure, when a teenager discloses dating violence, when a child reports
Keywords: 1187, senate, all
AZ

Arizona 2026 Regular Session

06/11/2026 - House Floor Session

Arizona House Floor Meeting

Transcript Highlights:
  • Why are we so fearful and allow fear to guide us in our judgments or our lack of judgment?
  • amending Title 33, Chapter 4, Article 4, Arizona Revised Statutes, relating to land sales before a foreclosure
Summary: The House convened, opened with prayer and the Pledge, approved the journal, and welcomed several guests in the gallery, including a high school student and an advocate connected to the domestic violence bill HB 2995. The chamber then moved through multiple Committee of the Whole calendars, first advancing HB 4155, HB 4156, and HB 4157, then HB 4164, HB 4165, and HB 4166, all with do-pass recommendations and no substantive amendments on those calendars. Later, the House also considered SB 1326, a victims’ rights measure, adopted a floor amendment, and reported it out as amended. The House corrected an earlier clerical error regarding HB 4155-4157 being referred to engrossing rather than third reading. The House then took up a long series of final passage votes on Senate bills. SB 2174, SB 2611, SB 1011, SB 1012, SB 1016, SB 1018, SB 1038, SB 1039, SB 1040, SB 1053, SB 1055, SB 1057, SB 1060, SB 1061, SB 1068, SB 1069, SB 1075, SB 1100, SB 1113 on reconsideration, SB 1160, and SB 1170 all passed. SB 2873, SB 1004, SB 1009, SB 1042, SB 1043, SB 1049, SB 1093, and SB 1143 failed. SB 2995, the emergency family-law/domestic-violence bill known as the Alec and Lydia Act, passed with the required two-thirds vote after extensive debate; supporters said it would better protect children and clarify judicial standards, while opponents argued its definitions were overly broad and could harm families. SB 1018 on foreign laws also drew extended debate over Sharia law, with supporters framing it as a defense of American values and opponents calling it unnecessary and discriminatory. Several votes included explanations focused on policy concerns. SB 1004 on sex-offender registration and monitoring drew debate over whether electronic monitoring is effective. SB 1040 on voter registration transparency prompted arguments over public access to voter rolls versus privacy and security. SB 1118 on municipal zoning and historical homes was debated as a property-rights and local-control issue, with supporters saying it could help preserve affordable housing and opponents warning it would override local decisions. The House also adopted motions to reconsider prior actions on SB 1043 and SB 1100, and it requested the Senate return SB 1552 for reconsideration. The session ended with the House still processing additional Committee of the Whole business, including HB 4158, HB 4159, HB 4160, HB 4161, HB 4162, and HB 4163, with HB 4162 and HB 4163 receiving floor amendments and do-pass recommendations.
NH

New Hampshire 2026 Regular Session

House Session (02/05/2026)

New Hampshire House Floor Meeting

Transcript Highlights:
  • Wisdom that listens before it speaks, seeks understanding before judgment, and chooses what is right
  • sensitive to economic cycles, whereas housing loans are typically secured by the property, allowing for foreclosure
  • property, typically secured by the property, allowing<04:11:06.960> for<04:11:07.279> foreclosure
  • <04:11:08.479> as<04:11:08.720> a<04:11:08.960> primary allowing for foreclosure
  • as a primary allowing for foreclosure as a primary recourse.<04:11:10.880> Business<04:11:11.279
Keywords: 1189, house, all
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Part 2 Feb 12th, 2026 at 12:58 pm

New Mexico House Floor Meeting

Transcript Highlights:
  • If there's a foreclosure, for instance... Any home in that kind of situation would happen.
  • If there's a foreclosure, for instance, right, when people can't make their down payment mortgage or
LA

Louisiana 2026 Regular Session

House of Representatives Apr 27th, 2026

Louisiana House Floor Meeting

NH
Transcript Highlights:
  • record—if the lender had any sort of payment due by this time, typically they would have filed a foreclosure
  • would<00:25:17.840> have<00:25:17.960> filed<00:25:18.200> a<00:25:18.279> foreclosure
  • <00:25:19.200> action would have filed a foreclosure action would have filed a foreclosure
Keywords: 928, house, all
Summary: The committee first heard testimony on House Bill 437, which would change New Hampshire law on undischarged mortgages by creating a shorter period after which certain old mortgages would be treated as unenforceable. Prime sponsor Representative Bill Boyd said the bill was developed with input from bankers, lawyers, realtors, the Attorney General’s office, and the Banking Department, and he noted a drafting correction needed on line 18. He explained that the proposal would replace current law with a new framework modeled partly on Massachusetts, including a five-year expiration after a stated maturity date and a 35-year period for mortgages without an expiration date. Supporters said the bill would help clear obsolete title defects, reduce costly quiet-title litigation, and make real estate transactions easier for consumers, attorneys, and conveyancers. Representative Mary Hakken-Phillips, Susan Cole of the New Hampshire Association of Realtors, and Michelle Coffin all testified in support, describing the bill as a consumer protection measure. They said undischarged or improperly discharged mortgages often surface during title searches, causing delays, legal expenses, and failed or delayed closings. Coffin and Hakken-Phillips emphasized that many of these cases involve old, effectively obsolete mortgages and that the current process often requires expensive court action even when no one contests the title. Cole described a recent transaction in which a title defect caused a buyer to walk away and later restart the financing process, creating costs for both buyer and seller. A committee member asked about notice to mortgage holders; the response was that the lender bears responsibility for recording and extending the mortgage, and that due process rights would remain if a lender later contested the discharge. Ryan Hill of the New Hampshire Bankers Association said the banking industry had reviewed the bill and was generally comfortable with it, while requesting a delayed effective date so members would have time to adjust their recording practices. He said the bill’s January 1, 2028 effective date reflected that request. After closing the hearing on HB 437, the committee opened a hearing on House Bill 721, the Gold and Silver Legal Tender Act. Representative Juliet Harvey-Bolia introduced it as a bipartisan economic justice bill intended to recognize gold and silver as legal tender, protect against inflation, and address concerns about trust, taxes, and government taking. She argued that gold is a stable store of value and discussed tax treatment in neighboring states, federal history, and digital gold platforms. The hearing on HB 721 was still in progress when the transcript ended, with the chair limiting questions because of time.
FL

Florida 2025 Regular Session

May 2, 2025 - 09:00 AM

Transcript Highlights:
  • A bank has to move into second lien priority behind a foreclosure on a lien.
Summary: The Select Committee on Property Taxes held its first meeting with opening remarks from the co-chairs and ranking member framing the committee’s task as developing property tax legislation for next session. Staff then gave a high-level overview of Florida property taxes, explaining how ad valorem taxes work, the roles of property appraisers, tax collectors, taxing authorities, value adjustment boards, and the Department of Revenue, and reviewing key concepts such as just value, assessed value, exemptions, taxable value, millage rates, homestead exemptions, Save Our Homes, and portability. The presentation also emphasized that property tax law is largely rooted in the Florida Constitution and that local governments choose millage rates, which affects collections. No public comment was taken. The committee then discussed five Speaker-proposed concepts. Proposal 1 would require cities, counties, and special districts to hold a referendum on eliminating property taxes on homestead properties; members raised concerns about local funding, public safety, special districts, renters, and the need for extensive voter education, with some suggesting countywide elections or town halls instead. Proposal 2 would create a new $500,000 homestead exemption for non-school taxes and a $1 million exemption for seniors 65+ or long-term homesteaders; members split between seeing it as meaningful relief for seniors and warning it could devastate local tax bases, especially in lower-value or rural counties, while also potentially trapping older homeowners in place. Proposal 3 would authorize the Legislature to raise homestead exemptions by general law; some liked the flexibility, but others worried about statewide one-size-fits-all impacts, political difficulty in reversing changes, and the need for local revenue replacement. Proposal 4 would change assessment caps for homestead and non-homestead property; several members said it would not provide enough relief and could shift burdens to rental properties and non-homestead owners. Proposal 5, eliminating foreclosure on homestead property for tax liens, drew the strongest opposition, with members saying it would undermine lien priority, mortgage and title systems, and incentives to pay taxes. Throughout the meeting, members repeatedly stressed the need to understand local fiscal impacts, including police, fire, infrastructure, and other services funded by property taxes, and to consider alternative revenue sources or offsets if taxes are reduced. The co-chairs said the committee is still in the information-gathering stage, that all ideas remain on the table, and that members should do “homework” by meeting with local taxing authorities and learning how property taxes are set and spent in their districts. The meeting ended with no votes on the proposals and adjournment after a motion to rise.
FL

Florida 2025 Regular Session

March 25, 2025 - 12:00 PM

Transcript Highlights:
  • housing, tax exemptions for affordable housing, revised development impact assessments, expedited foreclosure
Summary: The committee heard five housing- and resilience-related bills. HB 793 would create an International Aerospace Innovation Fund administered by Space Florida to support aerospace research, workforce development, and commercialization; it was amended with a clarifying change and passed unanimously. C.S. for HB 411 would extend an affordable housing property tax exemption to certain nonprofit projects on leased land through a housing finance authority, such as Habitat for Humanity projects; it also passed unanimously. HB 701 would require local housing assistance plans to allow mobile home owners on leased land to seek help with lot rent, and it passed unanimously after an amendment and testimony from mobile home advocates and AARP in support. The committee also considered C.S. for HB 393, which expands the My Safe Florida Condominium Pilot Program to help eligible condominiums fund hurricane mitigation projects, including roof-related work, with added eligibility and inspection requirements. The bill drew support from condo and housing groups and passed unanimously with committee substitute. The final and most extensive measure, HB 943, would significantly revise state land-use and development rules to promote affordable housing by limiting local restrictions, changing zoning and approval standards, adjusting parking and impact fee rules, and expanding accessory dwelling unit and mixed-use provisions. It generated extensive testimony, with many local officials, city and county groups, and preservation advocates opposing it as overly broad and preemptive, while housing and business groups supported it. HB 943 was amended several times during the meeting, including changes related to church-owned property, parking, historic landmarks, manufactured homes as accessory dwelling units, and fair housing language. The sponsor repeatedly said the bill was a work in progress and that additional changes would be made. After debate from members emphasizing both the need for more housing and the need to preserve local control, the committee approved HB 943 on a 14-1 vote, with Rep. Casello voting no.
US
Transcript Highlights:
  • that can mean the difference, I know you all know better than me, between economic viability and foreclosure
Summary: The meeting of the agricultural committee focused on significant concerns regarding the current state of America's rural economy, highlighting the need for a strong five-year farm bill to address the challenges faced by farmers, particularly young and beginning farmers. Key testimony was given by multiple stakeholders including agricultural leaders and young farmers, emphasizing issues related to crop insurance, access to credit, and the adverse impact of recent USDA funding freezes. Various members discussed the necessity of risk management tools that farmers rely on to secure financing, which is crucial for sustaining agricultural operations and supporting rural communities. The importance of timely legislative action was underscored, as many farmers reported struggles in the current economic climate, raising urgency for reforms within the Farm Bill framework.
MN

Minnesota 2025-2026 Regular Session

Committee on Housing and Homelessness Prevention - 03/03/26

Housing and Homelessness Prevention

Transcript Highlights:
  • driver, and her mother, a foster parent, despite their lifelong service, they lost their home to foreclosure
  • lost their their lifelong service, they lost their home<01:43:05.600> to<01:43:05.840> foreclosure
  • today<01:43:07.199> as<01:43:07.440> she<01:43:07.600> builds home to foreclosure
  • . today as she builds home to foreclosure. today as she builds her<01:43:08.080> home<01:43:08.480
Keywords: 1187, senate, all
MN
Transcript Highlights:
  • themselves in financial crisis, the farmer lender mediation program can be the difference between foreclosure
  • program can be the difference mediation program can be the difference between<01:23:40.000> foreclosure
  • > and<01:23:41.280> staying<01:23:41.600> on<01:23:41.760> the between foreclosure
  • and staying on the between foreclosure and staying on the land.
Keywords: 1187, senate, all
MN

Minnesota 2025 1st Special Session

Senate Floor Session - Part 2 - 05/18/25

Minnesota Senate Floor Meeting

Transcript Highlights:
  • murders, or Senator Duckworth for the same bill, or for Senator Kreun for his provision relating to foreclosure
  • his provision for Senator Kun for his provision relating<01:27:20.080> to<01:27:20.239> foreclosure
  • relating to foreclosure relating to foreclosure sales<01:27:23.600> or<01:27:23.840> Senator
Keywords: 1187, senate, all
NH

New Hampshire 2025 Regular Session

Senate Commerce (04/29/2025)

Commerce

Transcript Highlights:
  • There is no foreclosure. So there's no risk of credit damage.
  • There<00:48:05.839> is<00:48:06.000> no There is no There is no foreclosure.<00:48:08.640
  • 09.119> there's<00:48:09.359> no<00:48:09.520> risk<00:48:09.760> of foreclosure
  • So, there's no risk of foreclosure. So, there's no risk of credit<00:48:10.520> damage.
Keywords: 1191, senate, all
HI

Hawaii 2025 Regular Session

JHA Public Hearing - Thu Jan 30, 2025 @ 2:00 PM HST

Judiciary & Hawaiian Affairs

Transcript Highlights:
  • They’re often the last line of defense against foreclosures, evictions, family separations, deportations
  • > against times the last line of defense against times the last line of defense against foreclosures
  • <00:11:55.360> evictions<00:11:56.040> family foreclosures evictions family foreclosures
Keywords: 910, house, all
Summary: The House Committee on Judiciary and Hawaiian Affairs heard House Bill 4000, the Judiciary’s biennium budget bill for FY 2026-2027. Judiciary Director of Policy and Planning Brandon Kimura testified in strong support, outlining operating requests of about $6.17 million in FY 26 and $6.25 million in FY 27, 17 permanent positions and one temporary position, plus $9.9 million in capital improvements. He described funding needs for specialty courts, preparations for the Wahiawa District Court, an additional district court judge and staff for Kona, cybersecurity upgrades, the Criminal Justice Research Institute, statewide priority items, and restoration of several essential staff positions. He also said the Judiciary was seeking an additional $2 million for the Children’s Justice Center relocation lump sum because updated estimates had risen to about $8 million. The committee also discussed potential impacts from uncertain federal funding and asked for written follow-up on those risks and on the capital request, including coordination with Budget and Finance. Several organizations and individuals testified in support of the Judiciary budget, including the Hawaiʻi State Bar Association, Legal Aid Society of Hawaiʻi, and legal service providers. Mioko Eto asked for an additional $1 million for civil legal service providers, explaining that the current funding is spread across multiple providers and that the need remains high. David Copper of Legal Aid supported the request, citing statewide demand, 105 staff, 7,100 cases closed in the past year, and 15,000 calls received, while noting that many people seeking help cannot be served because of capacity limits. He also said recent federal funding disruptions and proposed cuts could affect legal services and related programs. Committee members asked about the Criminal Justice Research Institute’s mission; Kimura said its primary statutory role is to build a database focused on pre-trial reporting and data analysis, though it is also working on probation and mental health-related projects. No vote or final action on HB 4000 was taken in the hearing excerpt provided.
ND
Transcript Highlights:
  • There's other reasons we can, so there is some judgment.
  • So we went through the foreclosure process, never saw the light of day, had the sale in November, sold
Summary: The subcommittee of the Tax Reform and Relief Advisory Committee met to begin its study of whether the content of the real estate tax statement should be revised to improve transparency. Legislative Council staff reviewed the study directive from HB 1176 and the statutory requirements for tax statements, including required line items such as true and full value, mill levy, legislative tax relief, primary residence credit, legacy fund share, discounts for early payment, and special assessments. The Tax Department then explained how the current uniform statewide statement is prescribed and approved, and noted that changes are typically driven by statute and implemented collaboratively with counties and vendors. County officials from NDACO, including auditors from McKenzie and Richland counties, described the full annual property tax timeline from budgeting through mailing final statements. They explained how counties gather budgets, calculate levies, verify taxable values, handle centrally assessed property, and prepare required notices and statements. They also said public attendance at budget hearings is generally very low, though the notices and statements generate some calls, mostly about whether attendance is required or why taxes are changing. Several members questioned the usefulness of the legislative tax relief line and the complexity of the 5% discount calculation, and county officials said the current process can be confusing and depends on manual data entry and coordination among counties, vendors, and taxing districts. The committee also discussed assessment frequency, valuation equalization, the 3% cap, and whether more frequent reassessment would reduce large jumps in taxable value. County officials said they try to use rotating reassessments and sales-ratio reviews to keep values within statutory tolerance, but staffing, training, and local market changes make the work difficult. NDACO staff estimated, based on a small county survey, that tax statement preparation and mailing costs average about 74 cents per statement, with outsourcing generally cheaper than in-house printing, and said HB 1176 added some mailing and administrative costs even if the tax statement itself did not change dramatically. Software vendors from CPT and Tyler then began presentations showing how their systems handle budgeting, valuation notices, tax statement generation, primary residence credit processing, and levy worksheets, emphasizing that many of the required calculations and reports are still manually entered or verified by county staff.
ND
Transcript Highlights:
  • There's other reasons we can, so there is some judgment.
  • So we went through the foreclosure process, never saw the light of day, had the sale in November, sold
Summary: The subcommittee of the Tax Reform and Relief Committee met to begin its study of the feasibility and desirability of revising the content of the real estate tax statement to improve property tax transparency. Legislative Council staff reviewed the study directive under House Bill 1176 and the statutory requirements for tax statements, including required line items such as true and full value, mill levy, legislative tax relief, primary residence credit, and the Legacy Fund portion of that credit. The Tax Department then explained how the current uniform statement is prescribed and approved, and noted that changes are typically driven by statute and implemented collaboratively with counties and vendors. County officials from the North Dakota Association of Counties described the full annual tax cycle, from county budgeting and valuation notices to budget hearing notices, levy certification, cap calculations, and final tax statement mailing. They emphasized that counties and auditors do extensive coordination with taxing districts and neighboring counties, and that the process is labor-intensive and often manual. Members discussed the limited public response to budget notices and tax statements, the difficulty of explaining the legislative tax relief line, the 3% cap and valuation issues, and whether more frequent assessments or different timing would improve understanding. Several members and witnesses noted that many taxpayers only engage when they receive their final bill, and that clarity may be more important than adding more detail. NDACO also presented a rough cost survey from eight counties, estimating an average tax statement cost of about 74 cents and a statewide total near $600,000 for printing and mailing tax statements alone, with outsourcing generally cheaper than in-house printing. Witnesses noted that House Bill 1176 added other mailings and notices, increasing county workload and cost beyond the statement itself. The committee then heard from software vendors, who explained how their systems handle tax billing, budget notices, valuation notices, primary residence credit processing, and tax levy calculations, and they identified the 1600/1685 primary residence credit and discount interaction as a current programming challenge. No votes were taken; the meeting was informational and focused on gathering testimony and identifying issues for possible future recommendations or bill drafts.
NJ

New Jersey 2026-2027 Regular Session

Assembly Appropriations Jun 23rd, 2026

Transcript Highlights:
  • of this legislation and one that the court would review to determine if you were using reasonable judgment
  • authorizes HMFA to make certain reimbursements to support pre-purchase home buyer counseling under the foreclosure
  • And, you know, Samuel and Carter has a great vision and good judgment in many circumstances, and this
Keywords: 1146, all
FL

Florida 2026 Regular Session

Senate in Session Mar 10th, 2026

Florida Senate Floor Meeting

Transcript Highlights:
  • careful policymaking really reflected your belief that the best legislation comes from not rushing to judgment
  • head of hair and was running around the Capitol talking about real estate issues and evictions and foreclosure
  • Trust your judgment. Because we know you're making decisions for us. That was the first meeting.
Summary: The Senate convened with a quorum, opened with prayer and the Pledge of Allegiance, and recognized several guests, including a state champion Crossroads Academy girls basketball team and a Florida State University student intern. The chamber then turned to executive appointment confirmations reported by the Committee on Ethics and Elections and other reference committees under Rule 12.7, with Chair Don Gates explaining that the committee had reviewed the qualifications and suitability of the nominees and held public hearings where required. Members debated several confirmations at length. The report containing 186 appointments was adopted 31-0 after Senator Polsky explained her no votes on three nominees, citing concerns about past comments and ideological views. The Senate then confirmed Jeffrey Aaron to the Public Employee Relations Commission by a 26-10 vote after sharp debate over his role as counsel to the Hope Florida Foundation and allegations tied to the diversion of Medicaid settlement funds; supporters argued he was a competent lawyer and no formal action had been taken against him. Chavon Harris was confirmed as Secretary of the Agency for Health Care Administration by a 32-5 vote, with supporters praising her work on Medicaid funding and opponents criticizing her prior leadership at DCF and the Hope Florida-related issues. Taylor Hatch was confirmed as Secretary of the Department of Children and Families by a 33-4 vote, despite concerns raised about SNAP/EBT compliance, child welfare practices, audits, and DCF’s handling of Hope Florida; supporters emphasized her commitment to reform and the difficulty of the agency’s mission. After a brief recess, the Senate held a lengthy recognition of outgoing President Kathleen Passidomo. Senators from both parties offered personal tributes focused on her leadership, toughness, humor, mentorship, and support for colleagues, especially women in the chamber. Several speakers also referenced her handling of difficult bills, her post-presidency service as Rules Chair, and her resilience after personal loss. No further legislative action was taken during the recognition segment.
FL

Florida 2026 Regular Session

Appropriations Committee on Criminal and Civil Justice Oct 15th, 2025

Appropriations Committee on Criminal and Civil Justice

Transcript Highlights:
  • This dates back to the foreclosure experience in 2007 and how they served functions in that way.
Summary: The committee met to hear fiscal year 2026-2027 legislative budget requests from several justice-related agencies. The Florida Commission on Offender Review requested funding for investigator and revocation staff salary increases to address turnover, plus nonrecurring funds for Wi-Fi, seven vehicles, technology support, and commissioner salary adjustments. The State Courts Administrator presented a broad judicial branch request focused on trial court case-management technology, additional case managers, trust fund authority for child support hearing officers, courthouse furnishings, district court flexibility in staffing, a future courthouse for the Sixth District Court of Appeal, Supreme Court elevator replacement, POM accounting implementation support, judicial security liaison positions tied to the Florida Fusion Center, expanded senior management service authority, and judicial salary adjustments. The Office of the Attorney General outlined pay and operating requests for consumer protection, citizen services, ethics, crime compensation, victim services, vehicle replacement, IT and cybersecurity, lease and operating costs, and PALM-related expenses, while several senators questioned the office about outside counsel contracts, contingency-fee arrangements, transparency, and the use of private law firms. The Department of Corrections made the largest presentation, describing severe staffing shortages, high turnover, rising inmate populations, increased assaults, and heavy overtime use. Secretary Ricky Dixon said the agency’s request was driven by constitutional and public safety needs and included funding for operations, security equipment, inflationary costs, vehicle replacement, offender information system modernization, technology restoration, inmate health services, drug and food cost increases, staffing pilots, maintenance, security infrastructure, Florida PALM, recruitment and retention, and $56 million for new correctional housing units. Members asked about inmate labor, prison safety, overtime, vehicle breakdowns, and whether more National Guard support was needed; Dixon said the agency needed more staffing and pay competitiveness rather than a long-term military presence. A correctional officers’ union representative also urged support for pay raises, citing low pay and staffing concerns. No votes were taken on the budget requests. The chair allowed extended questioning, especially for the Department of Corrections, but noted time constraints and asked agencies to return in a later committee meeting, including FDLE, which was deferred because of a House site visit.