Transcript Highlights:

• affordable homebuyer mortgages and down payment assistance, community services for those in or near poverty
• private activity bonds, then they're entitled to our non-competitive tax credit as long as they meet threshold
• Uh, I might argue that those actually help more people when you, when you lower the threshold on an AM
• It's usually based on federal poverty level, not, uh, AMI, um, but I, I'll give you the exact who's eligible
• of resources to those regional Uh, by, by formula and it's, it's mostly, but I think there's like poverty

Transcript Highlights:

• Kentucky's veterans centers currently do not meet the thresholds, so they do not recoup any bed hold
• <00:26:13.960> is<00:26:14.240> around<00:26:14.720> 90% which the threshold
• is around 90% which the threshold is around 90% occupancy. occupancy. occupancy.
• , so they do not not meet the thresholds, so they do not recoup<00:26:21.640> any<00:26:21.880
• . had a disability, and were in poverty.

Keywords: 958, all

Transcript Highlights:

• I'm Valerie Dwight, on behalf of the New Mexico Center on Law and Poverty.
• Percent of the federal poverty level.
• may or may not renew enhanced premium assistance for individuals above 400 percent of the federal poverty
• In New Mexico, there are 6,300 New Mexicans above that 400 percent federal poverty level expected to
• I think, Madam Chair, the federal poverty level is the 400 percent of federal poverty level.

Transcript Highlights:

• And sooner, since it doesn't have to reach a higher threshold. Exactly.
• Whitney Francis with the Western Center on Poverty and on behalf of Justice in Aging.
• Whitney Francis with the Western Center along poverty and on behalf of Justice and Aging.
• Whitney Francis with the Western Center on poverty and on behalf of justice and aging.
• Nescaro with End Child Poverty, California, here to speak about Protect Medi-Cal for All.

Keywords: 987, senate, all

Summary: The subcommittee first heard May Revision items for child support, child care, and related human services. The Department of Child Support Services described two technical adjustments, which the LAO said raised no concerns. The Department of Social Services then walked through child care proposals, including a shift in how federal and Proposition 64 funding reductions would be absorbed, a 2.01% COLA, disaster-related child care infrastructure grants, an increase in in-contract administrative support costs for alternative payment agencies, reversion of prospective-pay implementation funding after a federal rule change, a one-time allocation to cover the first quarter of Cost of Care Plus payments in the next fiscal year, reappropriation for existing infrastructure grant closeout work, and estimates of unspent child care funds. The department also outlined trailer bill language on a single rate structure, site safety and emergency procedures, CalWORKs child care data sharing, and child care oversight. The LAO recommended that the Legislature seek more justification for shifting reductions from General Child Care to the Alternative Payment Program, noting that CAP reductions affect more slots and that General Child Care has had significant unspent funds. It supported removing prospective-pay funding, but recommended rejecting the administrative cost shift to a percentage-based rate because it could create future General Fund pressure. It also suggested the Legislature review alignment between the disaster grants and the child care infrastructure program. Senators and members pressed the administration on why the budget would reduce child care slots and COLA percentages while the state still has waitlists and unspent funds, and questioned the need for early funding of Cost of Care Plus payments and the move from a flat administrative amount to a percentage. Public commenters, including providers, advocates, county offices, and infrastructure partners, urged full COLA funding, preservation of child care slots, support for prospective pay, and continued investment in child care access and facilities. After a short recess, the committee moved to Part B on health and heard the Department of State Hospitals. DSH presented a May Revision budget of $3.2 billion and described proposals for a central utility plant replacement at Metropolitan State Hospital, an electronic health record implementation, reduced county bed billing authority due to phased-in LPS bed capacity, limited contract exemption authority for online clinical subscriptions, reversion of prior-year unspent operating funds, and a workforce development proposal shifting some costs to Behavioral Health Services Act funds, including support for an additional psychiatric training cohort at Napa. The department also outlined IST-related savings and a trailer bill to remove the sunset on the independent placement panel program.

Transcript Highlights:

• We poverty. That's a lot to be proud of.
• Non-citizens have a higher poverty rate and near poverty rate. So yes, that is a problem.
• Non-citizens have a higher poverty rate and near poverty rate. So yes, that is a problem.
• Non-citizens have a higher poverty rate and near poverty rate. So yes, that is a problem.
• one of the most effective anti-poverty one of the most effective anti-poverty policies<04:23:11.840

Keywords: 981, all

Summary: The House convened with a quorum, approved the journal from April 30, 2026, and then moved through a series of announcements and introductions, including recognition of guests from Aurora Public Schools, remarks about International Workers Day and Law Day, and several social announcements about food events and a Cinco de Mayo potluck. The chamber also heard a brief recess and then proceeded to third reading business. The first major action was House Joint Resolution 10:30, sponsored by Representatives Gonzalez and Joseph, which designates a portion of Colorado Highway 14 in Weld County as Mono and Matt Road in memory of Eduardo Mono Hernandez and Matthew Garcia, two Greeley Central High School student-athletes killed in a 2014 crash. Sponsors and supporters described the resolution as a permanent tribute to the young men and to the Greeley community. The resolution passed overwhelmingly, 62-0, with three excused. The House then considered Senate Bill 143, updating the name of the Colorado Youth Advisory Council Review Committee, and Senate Bill 124, concerning information related to the automated protection order notification system. Both measures passed on third reading, each by a vote of 43-19 with three excused. The chamber also laid over Senate Bill 43 until Monday. Finally, the House took up House Bill 1421, which would prohibit certain compensation arrangements in the legal profession and create the Colorado Legal Practice Integrity and Fee Sharing Prohibition Act. Supporters argued it would prevent private equity from influencing law firms and protect client-focused legal judgment, while opponents raised concerns about separation of powers, the judiciary’s role in regulating lawyers, and possible effects on rural legal services and consolidation. One member requested and received an excusal from the vote due to a potential conflict. The debate continued as the transcript ended, with no final vote shown for the bill in the excerpt.

Transcript Highlights:

• and mental disabilities, with addictions, homelessness, for those in prison, and those living in poverty
• that investment advisors managing assets less than $100 million, which is the state registration threshold
• that investment advisors managing assets less than $100 million, which is the state registration threshold

Summary: The Senate convened with prayer, the Pledge of Allegiance, and a moment of silence honoring former Senator Charlie Dean. Senators also introduced guests, including family members, church leaders, and visiting students. The chamber then moved to the special order calendar, where several bills were temporarily postponed, including measures on Citizens Property Insurance, artificial intelligence, public records, and data centers. The Senate passed a series of bills focused on consumer protection, transportation safety, health, and financial regulation. CS/HB 505 on virtual currency kiosks passed 37-0 after being substituted for SB 198 and amended to adopt Senate language aimed at limiting fraud and setting transaction controls. SB 382 on electric bicycles passed 37-0 after amendment to broaden the task force to micro-mobility devices. SB 844 on sickle cell disease continuing education passed 37-0, requiring certain health professionals to complete training on care management. SB 1014 on municipal utility service outside city limits passed 37-0, and SB 428 on the swimming lesson voucher program passed 36-0 after amendments expanding the program to ages 1 through 7 and adding drowning-prevention education for new parents. The Senate also passed CS/CS/CS/SB 540 on the Office of Financial Regulation, which creates cybersecurity program requirements for certain licensees, expands oversight of some investment advisers, and updates credit union and anti-money-laundering provisions; it passed 36-0. CS/CS/SB 1440 on public records passed 35-1 after technical amendments tied to related cybersecurity exemptions and reporting requirements. SB 1594 on veteran benefit payments to minor clients passed 36-0, directing certain benefits for foster youth toward post-secondary education or aftercare rather than agency reimbursement. At the end of the session, the Rules Chair moved to certify all passed bills to the House and retain postponed bills on the special order calendar, and the Senate adjourned until the next day.

Transcript Highlights:

• First we very much agree with the LAO that in addition to raising the threshold for mandatory deposits
• appreciate more elaboration on the pros and cons of the two recommendations to reach the higher 50% threshold
• We know that about one in five Californians live in poverty.

Keywords: 988, house, all

Transcript Highlights:

• We have a rape crisis center, an emergency domestic violence shelter, low-threshold housing for women
• is still receiving benefits based, for the most part, except for affordable housing, on a federal poverty
• patients that, while it lasts, the Connector in Massachusetts has raised their subsidies to 500% of the poverty
• patients that while at last, the connector in Massachusetts has raised their subsidies to 500% of the poverty

Keywords: 995, all

Summary: The Senate Committee on Steering and Policy held a public hearing on potential updates to Massachusetts’ 2022 Shield Law to strengthen protections for reproductive and gender-affirming health care. Chair Cindy Friedman said the hearing was prompted by escalating federal and out-of-state threats, and testimony was sought on loopholes and clarifications involving emergency abortion care, limits on cooperation with outside investigations, protection of patient data, and safeguarding licenses of providers and attorneys involved in this care. The Attorney General’s Office, ACLU of Massachusetts, GLBTQ Legal Advocates and Defenders, Reproductive Equity Now, the Massachusetts Medical Society, TransHealth, and Health Imperatives all supported strengthening the law. Witnesses urged broader bans on sharing health data with hostile states, explicit AG enforcement authority, exclusion of reproductive and gender-affirming prescriptions from the prescription monitoring program, protections for electronic medical records, and allowing clinicians to use practice names on prescription labels. Several speakers also called for protections for parents of transgender youth, attorneys, and nonprofit organizations, and some raised related concerns about insurance discrimination and the burden of post-24-week abortion restrictions. Committee members asked questions about enforcement mechanisms, data privacy, patient consent, and how to balance interoperability with privacy protections in electronic records. Witnesses said the goal was to prevent immediate harm while preserving patient control and access to care. No votes were taken during the hearing, and the chair closed by inviting written testimony and then moved to adjourn the hearing.

Transcript Highlights:

• Whitney Francis with the Western Center on Law and Poverty in support.
• Whitney Francis with the Western Center on Law and Poverty in support.
• Whitney Francis with the Western Center on Law and Poverty in support.
• Whitney Francis with the Western Center on Law and Poverty in support. Thank you.
• On. ...above the threshold be banned for selling in California.

Keywords: 987, senate, all

Transcript Highlights:

• Although there is a limit, a threshold, that doesn't mean that it doesn't make a...
• But the threshold for targeting an end...
• It has thresholds for policy interventions, disclosure requirements, third-party assessments, adverse
• in California and the Western Center on Law and Poverty.
• in California and the Western Center on Law and Poverty.

Summary: The committee first heard AB 56, which would require social media platforms to display a warning label about potential mental health harms from prolonged use, with amendments shortening the initial warning and allowing immediate access to the platform. The author and supporters, including a parent who lost a daughter to suicide and a therapist, argued that social media contributes to teen anxiety, self-harm, and other harms and that families need clearer public health information. Opponents from tech and civil liberties groups argued the bill would be ineffective, burdensome, and likely unconstitutional, saying it would create warning fatigue and should be replaced by more targeted tools and digital literacy measures. Several members discussed emergency access concerns, language access, and whether the warning should be more actionable; the bill was moved on a 9-0 vote to the Judiciary Committee. The committee then took up AB 358, which would amend CalECPA to allow law enforcement, with the victim’s consent, to inspect certain abandoned tracking or surveillance devices found in a victim’s home, vehicle, or personal property without first obtaining a warrant. The author and a San Diego prosecutor said the bill is narrowly tailored to devices used solely for spying and is intended to help stalking and domestic violence survivors act quickly before evidence is lost. Opponents from EFF and the ACLU warned the bill would weaken warrant protections, create a loophole around CalECPA, and reduce transparency and accountability. Members debated Fourth Amendment issues, abandonment, and the practical need for rapid access; the bill passed the committee on a 9-0 vote to Appropriations. The committee also heard AB 1137, which builds on last year’s CSAM reporting law by allowing any user to report child sexual abuse material, requiring clearer reporting mechanisms, adding human review in some cases, and mandating third-party audits and public reporting. Supporters, including survivor advocates and a parent of a child victim, said the bill would reduce the burden on survivors and improve removal of abusive content. Tech industry opponents said they support the goal but objected to the human-review mandate, public audit disclosures, and enforcement provisions, arguing they could create security risks and compliance burdens. Members generally supported the bill’s intent but raised questions about audit frequency and human review; the bill was moved on call with seven votes at the time of the transcript.

Transcript Highlights:

• One major gap is the 55% threshold for concentration grants.
• The threshold to count as low income under the current funding formula is $60,000 for a family of four
• As a result, many of our families living at or near poverty aren't counted in the current formula and
• Your bill suggests lowering the concentration grant threshold from 55% to 45%.
• And that's why you see the different thresholds.

Keywords: 987, senate, all

Summary: The committee first heard AB 402, which would increase Cal Grant award amounts for students attending private nonprofit colleges and allow community college transfer entitlement awards to be used at those institutions. The author and supporters said the bill would restore award levels to their 2001 value and improve access for low- and middle-income, working, military, and transfer students. Several witnesses from private nonprofit universities, community college districts, and advocacy groups supported the measure. Senators raised concerns about the prior Cal Grant agreement tied to Associate Degree for Transfer participation and about the need to fund broader Cal Grant reforms, but the bill advanced on a unanimous due-pass vote to Senate Appropriations and was placed on call. The committee then took up AB 2067, a sunset extension for lease-lease-back authority for TK-12 school construction through July 1, 2032. The author and supporters from school housing and contractor groups said the method provides flexibility, early collaboration, cost control, and legal certainty for school construction projects. Senators asked how often lease-lease-back and other alternative delivery methods are used, and whether the skilled-and-trained workforce provisions limit competition. Some members objected to the skilled-and-trained requirement, while others said the bill simply preserves an existing tool without changing labor rules. The bill passed on a 6-1 vote, with Senator Ochoa Bogh voting no, and was placed on call. AB 1204, which would revise the Local Control Funding Formula by increasing supplemental and concentration grants, lowering the concentration threshold, adding regional cost adjustments, and setting a minimum annual COLA floor, drew extensive testimony on both sides. Supporters said the bill better reflects regional costs, inflation, and student need, especially for low-income, multilingual, and unhoused students. Opponents, including several school district leaders, argued it would widen funding disparities and divert money from the LCFF base grant, which they said should be the priority. Committee members also questioned the fiscal impact, the proposed 4% COLA floor, and whether the bill had enough research and stakeholder consensus. Despite those concerns, the bill was advanced to Appropriations on a due-pass vote and placed on call. Finally, the committee heard AB 1235, which would require a skilled-and-trained workforce process for CSU design-build projects to align CSU with UC and community college construction rules. Supporters said it would improve training and project quality, while opponents from contractor groups argued it would reduce competition, increase costs, and impose mandates without evidence of better outcomes. Several senators objected to the skilled-and-trained requirement as limiting opportunities for contractors who comply with state law, while others noted the issue was already common in higher education construction. The discussion was still underway when the transcript ended, and no final vote on AB 1235 was captured.

Transcript Highlights:

• The gentleman has met the threshold burden under the rule, and the gentleman from Massachusetts and a
• And by the way, that money not only lifts people out of poverty and improves health, it uplifts local
• Tax cuts that pulled over six million people out of poverty and brought our country's poverty rate to
• TAX CUTS THAT PULLED OVER SIX MILLION PEOPLE OUT OF POVERTY AND BROUGHT OUR COUNTRY'S POVERTY RATE TO
• Threshold and reverting back to the time-tested standard of 20,000 transactions.

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, May 21, 2025, 1012, house, all

Transcript Highlights:

• We want to address poverty. And we really want to provide and implement change.
• These scores also looked at the percentage of population below the 100% federal poverty level.
• months with regions to ensure that we're aligning the budgets appropriately and that those meet the thresholds
• Thresholds that we need it to meet.

Bills: HB1

Keywords: feed bill, legislative appropriations, legislative branch, New Mexico Legislature, general fund, legislative council service, legislative finance committee, legislative education study committee, house chief clerk, senate chief clerk, per diem, mileage, session expenses, interim committees, district staff, capitol complex, capital outlay data system, legislative processing system, redistricting, census redistricting

Transcript Highlights:

• Uh you can point to poverty. Uh number. Uh you can point to poverty.
• Poverty, drug and alcohol abuse.
• All of poverty, drug and alcohol abuse.
• referrals, especially in high poverty referrals, especially in high poverty schools,<01:23:34.239
• One of the main reasons is threshold.

Keywords: Call to Order and Roll Call – 0:00:04 Approval of Minutes – 0:03:57 United Way of Southern Kentucky –0:04:30 Preschool Education – 0:36:46 School Safety Updates – 1:01:41 Kentucky Association of School Superintendents – 1:41:47 Educational Cooperatives – 1:55:18 Adjournment – 2:07:37, 958, all

Summary: The committee opened its sixth meeting of the 2025 Interim Joint Committee on Education, confirmed a quorum, recorded attendance votes, and approved the minutes. Chair Lewis reminded presenters to keep remarks brief because of the full agenda and limited time. The first presentation was from United Way of Southern Kentucky, with Anne Puckett, Craig Browning, and Warren County Schools Superintendent Rob Clayton introducing a regional early childhood initiative. The presenters argued that kindergarten readiness and early childhood support are critical to later academic and life outcomes. They cited research and statistics about brain development in the first five years, the effects of unprepared kindergarten entry, and links between low literacy, school discipline, dropout rates, and incarceration. They said their region’s readiness scores fell during COVID and after a tornado, and that the most effective response was in-home parent education to help families support children from birth to age five. They described the model as voluntary, community-based, and not requiring new buildings, and said similar programs have been successful in Missouri. The group said it had already raised more than $1 million in private donations and committed three years of funding for four additional staff, expanding service in Allen, Logan, and Warren counties. They requested $600,000 per year for the next two-year budget cycle to add 12 more educators, serve about 360 families and 660 additional children, and build evidence for a possible statewide model. Members generally expressed support for the concept, with Representative Tipton and Representative Jackson discussing a prior home-based preschool pilot and the importance of starting early. Representative Calloway questioned whether increased family chaos and government involvement justified the approach; presenters responded that the program uses community educators, not a government-run organization, and is aimed at helping overwhelmed families. Representative Stalker asked about eligibility and early intervention, and presenters said the program serves children from birth to age five and can help identify needs early enough to connect families with services such as First Steps.

Bills: HB4139, HB4143, HB4144, HB3974, HB3303, HB3790, HB3697, HB3262, HB4226, HB2936, HB3322, HB4296, HB3278, HB4202, HB3648, HB3500, HB3037, HB3428, HB3257, HB3432, HB3043, HB3044, HB3078, HB3940

Keywords: home warranty, service contracts, transparency, insurance regulation, consumer protection, motor vehicles, traffic collisions, car accident, auto accident, crash report, collision report, property damage threshold, Department of Public Safety, DPS, law enforcement reports, insurance claims, financial responsibility, uninsured motorist, private property accidents, public roadway

Transcript Highlights:

• House Bill 3597 increases the population threshold from 300,000 to 500,000 for those.

Bills: HB35, HB138, HB754, HB1314, HB1612, HB2254, HB2510, HB2789, HB3560, HB3597, HB4224, HB4273, HB4643, HB4783, HB138

Keywords: peer support, first responders, mental health, confidentiality, emergency services, health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, human trafficking, trafficking prevention, medical assistant training, health care facilities, hospital compliance, clinic compliance, anti-retaliation, whistleblower protection, employee reporting

Transcript Highlights:

• schools to notify parents when their child's school vaccination rate falls below the herd immunity threshold
• Sadly, I just found out about this data myself this week, but this is below the necessary 95% threshold
• Sadly, I just found out about this data myself this week, but this is below the necessary 95% threshold
• This bill ensures that when a school's vaccination rate falls below the threshold needed to prevent an
• that prevents diphtheria and pertussis, which require thresholds as well.

Summary: The Assembly Education Committee heard a lengthy agenda of education-related bills, with quorum established at the start and several measures taken up on consent or special order. The committee also announced that AB 1644, AB 2362, and later AB 2197 were pulled from the hearing. Members reminded the public of hearing rules and limited testimony to two witnesses each in support and opposition. AB 2651, by Assemblymember Bonta, would require schools to notify parents when school vaccination rates fall below herd-immunity thresholds. Supporters, including physicians, the California State PTA, public health groups, and school employee organizations, argued that families need timely, school-specific information to protect children and vulnerable community members. Opponents raised concerns about privacy, stigma, and whether school-level snapshots could be misleading. The bill passed the committee 5-1 and later 7-1 on the roll call. AB 2509, by Assemblymember Schultz, would allow districts to use a five-year rolling average for ADA funding calculations; supporters said it would stabilize funding amid attendance declines, while one member noted concerns about masking long-term enrollment problems. It passed 5-1 and later 7-2. The committee also approved AB 2430, which would expand after-school access, especially for high school students, improve funding and transparency, and create a work group on program quality. Testimony emphasized the value of expanded learning for youth development and working families, and members discussed the need to address middle school access as well. AB 2526, focused on special education funding, would expand the low-incidence fund to include students qualifying for the California alternate assessment; supporters said it would better align funding with student need, while some concerns remained about over-identification. AB 2325, the Pathways to Bilingual Teaching Act, would create a grant program to build bilingual teacher pipelines through partnerships among schools, community colleges, and universities; it received strong support and passed unanimously. AB 2460, presented by Assemblymember Pellerin for Assemblymember Celeste Rodriguez, would update school mental-health referral protocols to address trauma related to immigration enforcement; it also passed unanimously. AB 2404, which sought to require Central Valley representation on several governor-appointed bodies, drew debate over geographic representation and board composition and ultimately failed on a 2-5 vote.

Transcript Highlights:

• So if you look at the 75% threshold, I think we're close to 20%.
• college readiness threshold, but maybe 40% reach the lower level college readiness threshold.
• Whether or not we should use the 75% prediction threshold only.
• So 60% prediction threshold.
• Public school helped me out of poverty.

Keywords: 1184, house, all

Transcript Highlights:

• The provision clarifying the necessary vote threshold for a municipal services taxing unit or dependent
• The provision clarifying the necessary vote threshold for municipal services taxing unit or dependent
• Which is higher than any state-funded program is maintained at related to poverty level.
• I mean, normally for state programs, we cap it at 100, 120% of the poverty level.
• So 400% of the poverty level is still being allowed in this program with the $75 million.

Summary: The House convened with prayer, a moment of silence for former Senator Don Childers, the Pledge of Allegiance, and recognition of Officer Antonio Richardson as law enforcement officer of the day. The chamber announced it would take up 11 budget conference committee reports, with no third-reading bills or special-order calendar items. Members were reminded that conference reports were subject to debate but not amendment, and that the required review periods had been satisfied. The first major action was on HB 7031E, the tax package. Representative Duggan explained that the conference report included a mix of retained, modified, and new tax provisions, including sales tax holidays, property tax and homestead-related changes, reductions in certain gaming and carbon-related taxes, changes to child care and documentary stamp tax credits, a new refund process for public works construction tax paid by universities and colleges, and other tax administration changes. Debate focused on the bill’s consumer impact, the reduction of the child tax credit from three years to one, the inclusion of firearm accessories in a sales tax holiday, the absence of gas tax relief and combined reporting, and the homestead exemption provision for certain deployed diplomatic and foreign service personnel. Critics argued the package favored niche or corporate interests over broad affordability relief, while supporters said it provided targeted tax relief and reflected conference negotiations. The House adopted the conference report and passed HB 7031E by a vote of 88-11. The House then began presenting the conference report for HB 501E, the state budget, which totaled $114.5 billion for fiscal year 2026-27 and was described as below the prior year’s spending level while maintaining reserves. Subcommittee chairs outlined major budget areas: pre-K-12 funding included an increase in FEFP, salary increases for veteran teachers, stabilization funding, and support for declining enrollment; higher education included full Bright Futures funding, workforce programs, college operating support, university initiatives, and school guardian expansion; IT funding focused on Palm, ACCESS, APD’s I-Connect replacement, corrections systems, emergency management systems, and cybersecurity grants; health care funding covered Medicaid, nursing home rates, waiver provider increases, ADAP funding and restructuring, child welfare, and behavioral health; transportation and economic development included housing, cultural grants, jobs and rural infrastructure, Visit Florida, Space Florida, highway patrol equipment, and local transportation projects; justice funding included correctional construction, juvenile justice facilities, law enforcement grants, and clerk and due process reimbursements; state administration included fire stations, constrained counties, building maintenance, and Safe Florida Home; and agriculture/natural resources funding emphasized Everglades restoration, water quality, land acquisition, Florida Forever, state parks, and citrus research. Members then began questioning the budget details, including school voucher accountability, school funding formulas, public defender parity, prison technology, wastewater monitoring in prisons, ADAP policy, SNAP fraud controls and AI-assisted verification, Florida Forever funding, school lunch funding, and coral reef restoration. No final vote on HB 501E appears in the transcript excerpt.

Transcript Highlights:

• For most programs, the 20% threshold eliminates that mortgage insurance premium, which can be costly.
• So homeownership programs are typically where we see these higher income thresholds, um, and then with
• It's an issue of poverty and so addressing issues around poverty, um, I know we get a lot of questions
• fair market rent level below, um, and so while the idea for a voucher is that we would desegregate poverty
• , poverty.