Transcript Highlights:

• Medicaid health plans since 2011, according to NC Q A We're also health equity accredited.
• extremely limited lake, limited circumstances, but it does occur on occasion where providers have staff
• We have a designated provider relations staff.

Transcript Highlights:

• First, it clarifies the PUC's authority to reduce a utility's return on equity for non-compliance with
• To have that public testimony heard, plus you have the staff there in that meeting.
• Chairman, Senators, and committee staff. My name is Daniel Guzman.

Bills: SB 438, SB 512, SB 647, SB 648, SB 1495, SB 2121, SB 2145, SB 2154, SB 2167, SB 2184, SB 2211, SB 2268, SB 2349, SB 2443, SB 2629, SB 2702, SB 2902

Keywords: SB 438, Texas, State Office of Administrative Hearings, SOAH, administrative law judge, ALJ, public information act, open records, confidentiality, privacy, home address, home telephone number, emergency contact information, social security number, family members, Government Code 552.117, Government Code 552.1175, Tax Code 25.025, public records, government transparency

Summary: The meeting of the committee commenced with the establishment of a quorum, where members discussed and voted on five significant bills related to energy efficiency, insurance regulation, and public utility governance. Notably, Senate Bill 2717 was presented, incorporating feedback to foster collaboration among various state agencies for improved energy efficiency performance. This was followed by a detailed discussion on Senate Bill 1642, which proposed changes to the Texas Department of Insurance's executive structure to optimize management and consumer focus. Each bill saw active participation from senators who moved to adopt committee substitutes for clarity and responsiveness to stakeholder concerns, indicating a proactive approach to legislative issues.

Transcript Highlights:

• substantially increase the base noise level, you know, that's something we can look at, um, and I'm sure my staff
• Thank you, Chairman Bell, Vice Chair Weiner, members and staff.
• As a matter of fact, we saw a whole bunch of people who had potentially tremendous amount of equity in

Bills: HB303

Keywords: jail standards, living conditions, Harris County jail, safety, inmate welfare

Transcript Highlights:

• Ground has been a steadfast force in the fight for civic engagement, voter education, and racial equity
• I REMEMBER PRAYING WITH DISTRICT STAFF AND JUST PRAYING. DISTRICT STAFF AND JUST PRAYING.

Keywords: sales tax reduction, budget cuts, boating safety, water treatment, municipal utilities, school safety, medical malpractice, firearm purchase age, cursive writing instruction, first responder support, veto overrides, veterans funding, infrastructure projects

Summary: The Florida House convened for regular business, with Speaker Perez announcing historic budget plans including the largest state tax cut in Florida history - a permanent 0.75% sales tax reduction from 6% to 5.25%, saving Floridians nearly $5 billion annually. The House will propose a budget lower than both the Governor's proposal and last year's budget. Several bills passed including Lucy's Law (boating safety), water access facilities funding, municipal utility rate corrections, hazardous walking conditions for schools, and medical malpractice 'Free Kill Law' repeal. The controversial firearm purchase age bill (HB 759) passed 78-34, lowering the minimum age from 21 to 18, despite emotional opposition citing the Parkland shooting. Other bills addressed cursive writing instruction, peer support for first responders, and government sunset reviews. Multiple veto override motions were approved unanimously, reinstating funding for veterans programs and infrastructure projects.

Transcript Highlights:

• And I just want to thank Representative Lambert for, uh, listening to our concerns and for his staff
• And she says, quote, The staff of Daily Court Reviews are absolutely amazing.
• These funds don't take away your equity. It's just a grant from the federal government.

Bills: HB 186

Keywords: public funds, lobbying activities, political subdivisions, government expenditure, transparency, local government, political subdivision, county, city, municipality, special district, taxpayer-funded lobbying, lobbying restriction, registered lobbyist, government association, county association dues, Texas Legislature, injunctive relief, attorney's fees, Chapter 556

Transcript Highlights:

• And I just want to thank Representative Lambert for listening to our concerns and for his staff. for
• And she says, quote, the staff at Daly Court Review are absolutely amazing.
• These funds don't take away your equity, it's just a grant from the federal government.

Bills: HB186, HB517, HB 1093, HB 1268, HB1395, HB186

Keywords: social media, children, account verification, data privacy, parental control, property owners' association, residential watering restrictions, vegetation, fine limitations, drought, technology, innovation, economic development, grants, Texas Economic Development, business funding, HB 1395, private passenger vehicle rental, car rental, vehicle rental

Transcript Highlights:

• proud to have in my district. 127 128 She's—I've had a chance to speak with her. 130 members of your staff
• I want to thank the lieutenant governor. and his staff for the interjection that they talked about we
• We got it from an interim hearing, and my staff and I, researching and reading and listening And I will

Bills: SJR18, SCR9, SCR13, SB10, SB11, SB19, SB20, SB25, SB62, SB260, SB263, SB293, SB314, SB384, SB412, SB441, SB442, SB494, SB523, SB569, SB616, SB688, SB707, SB766, SB842, SB869, SB890, SB914, SB929, SB971, SB992, SB1066, SB1145, SB1621, SJR36, SJR18, SCR9, SCR13, SB616, SB565, SB384, SB372, SB495, SB842, SB971, SB1066, SB929, SB765, SB523, SB62, SB19, SB18, SB666, SB688, SB707, SB888, SB687, SB706, SB847, SB869, SB890, SB992, SB1145, SB494, SB290, SB766, SB11, SB10, SB13, SB263, SB412, SB20, SB441, SB442, SB1621, SB569, SB314, SB25, SB293, SB914, SB260, SB1248, SB740, SB14, SB1006, SB20, SB25, SB260, SB293, SB314, SB384, SB442, SB494, SB616, SB869, SB890, SB929, SB992, SB1145, SB1621, SR232, SR237, SR242, SB16, SB22

Keywords: capital gains, taxation, constitutional amendment, state revenue, individual investment, Supreme Court, judicial independence, Keep Nine, checks and balances, water rights, treaty compliance, Rio Grande, agriculture, drought, international water, Texas water supply, education, Ten Commandments, public schools, religious display

Transcript Highlights:

• May include support from an ESU through coordination, facilitation, technical assistance, or direct staff
• That is not equity; that is not fairness.
• Way to go, chair of the committee, and, as I said before, great staff work.
• that for our staff.
• And so we've made that commitment to our staff.

Bills: LB815A, LB838A, LB912A, LB972A, LB1126A, LB962A, LB1114, LB921, LB937, LB803, LB803A, LB1032, LB1032A, LB1075, LB1075A, LB889, LB878, LB933, LB304, LB304A, LB1096, LB1096A, LB1165, LB1165A, LB958, LB958A, LB762, LB1187, LB966, LB929, LB962, LB753, LB788, LB913, LB1055, LB1195, LB429, LB721, LB722, LB727, LB743, LB745, LB749, LB778, LB787

Keywords: LB815A, LB815, appropriation, appropriations bill, Nebraska Department of Revenue, Motor Fuel Tax Enforcement and Collection Cash Fund, motor fuel tax, gas tax, fuel tax, tax enforcement, tax collection, cash fund, budget, state spending, per diem, salaries, fiscal year, enrollment and review, final reading, Nebraska

Transcript Highlights:

• Thank you for the opportunity to testify today and for the meetings we've had with the committee staff
• , with the author and his staff about our concerns regarding this bill.
• First of all, thank your staff, Chairman, who have been excellent.
• , with the author staff, and with the sponsors of the bill.
• I'm hoping that my staff will follow up with your staff on some specific amendments that we can suggest

Summary: The committee held its first hearing and took up several privacy, AI, and consumer protection bills. SB 1106 (Cabaldon) would shorten the Delete Act data broker deletion response deadline from 45 days to 30 days; it received support from the California Initiative for Technology and Democracy, one senator said they would lay off pending implementation of the original law, and the bill passed on a due-pass motion to Appropriations with a 5-0 vote on call. SB 923 (Becker) would expand the CCPA deletion right to all personal information held by businesses and require online-only businesses to offer a web form or similar method for privacy requests; supporters included the California Privacy Protection Agency and privacy groups, while business groups raised concerns about scope, compliance, and the email/web-form requirement. The committee advanced it 6-0 to Appropriations, on call, with members noting continued work on amendments. SB 1142 (Becker) would regulate digital replicas and deepfakes, including takedown and notice provisions for large online platforms and protections against misuse of a person’s likeness, voice, or identity. Supporters emphasized harms from non-consensual synthetic media and fraud; opponents, including the Motion Picture Association and tech industry groups, raised First Amendment, due process, Section 230, and overbreadth concerns, especially around deceased persons and the 48-hour takedown process. Members said they would support the bill while working on constitutional issues, and it passed 6-0 to Judiciary, on call. The committee also adopted its rules without objection. The committee then heard several member bills. SB 867 (Padilla) would impose a four-year moratorium on AI chatbot-powered toys for children; supporters cited research showing sexual content, dangerous advice, and privacy risks, while opponents asked for narrower definitions and retailer liability protections. It passed 7-0 to Appropriations, on call. SB 1247 (Padilla) would give child influencers a right to request deletion or modification of images and likenesses used in monetized social media content; there was little testimony beyond a civil justice group’s opposition to a new private right of action, and it passed 7-0 to Judiciary, on call. SB 1114 (Cabaldon) would restrict sharing of state-collected LGBTQ-related data absent an enforceable order; Equality California and other advocates supported it as a safeguard against misuse of sensitive data, and it passed 6-0 to Appropriations, on call. SB 1159 (Cabaldon) would limit local governments’ obligation to treat AI bots and agents as persons in public participation and records processes; supporters said AI-generated comment floods and requests can drown out human participation, while opponents argued the bill should focus on fraud and warned about overreach. It passed 9-0 to Appropriations. Finally, SB 1050 (Ashby) would require disclosures when advertisements use AI-generated synthetic performers; supporters framed it as a truth-in-advertising and worker-protection measure, while opponents urged narrower, materiality-based standards and exemptions for broadcasters. Members generally supported the goal but raised concerns about breadth and alignment with existing law, and the bill was moved forward on a due-pass motion to Judiciary.

Transcript Highlights:

• Staff briefing, please. Thank you, Mr. Chair and members of the committee.
• For the record, Lena Langer, staff to the committee.
• So if we could have a staff briefing, please, on House Bill 2403.
• For the record, Martha Whaling, staff to the committee.
• For the record, this is Corey Patton, staff to the committee.

Summary: The House Community Safety Committee held public hearings on several bills. House Bill 2209 would add 12- or 24-month sentencing enhancements for theft-related offenses when the value of stolen, possessed, or trafficked property exceeds $20,000 or $50,000, respectively. Rep. Mari Leavitt said the bill targets organized retail theft and related violence, emphasizing business losses, worker safety, and links to broader criminal activity. Supporters included prosecutors, retailers, law enforcement, and city officials who described organized retail crime as coordinated, underreported, and harmful to employees and communities. Opponents argued theft trends are declining, existing penalties are sufficient, and sentencing enhancements would worsen incarceration and racial disparities. The hearing on HB 2209 was left open for additional testimony. House Bill 2403 would revise penalties for failure to register as a sex offender or kidnapping offender, including lowering the seriousness level for second and subsequent offenses from level 2 to level 1 in the proposed substitute. Testimony was overwhelmingly supportive or neutral. Proponents from the Sex Offender Policy Board, sentencing commission, public defenders, prosecutors, and sheriffs’ representatives said the bill reflects long-negotiated recommendations, better matches the offense’s administrative nature, and may improve compliance by pairing shorter prison terms with community custody and supervision. The committee then closed the public hearing on HB 2403. House Bill 1591, in a proposed substitute, would create a sentencing alternative, resentencing option, and conviction-vacation process for defendants who are verified survivors of domestic violence, sexual assault, or human trafficking, where abuse was the primary and proximate cause of the offense. Supporters, including survivor advocates, prosecutors involved in diversion programs, and researchers, said many incarcerated women are survivors and current law often fails to account for coercion and trauma. Some witnesses urged broader eligibility and less reliance on formal documentation. Prosecutors and sheriffs’ representatives expressed concerns about discretion, potential public-safety impacts, and whether existing sentencing factors already address these cases. The committee also heard extensive testimony on House Bill 2526, which would rename patronizing a prostitute as commercial sexual exploitation, expand the offense to include providing anything of value, elevate it from a misdemeanor to a Class C felony, and increase associated fees. Supporters framed it as a response to trafficking, exploitation, and violence against women and children, while opponents—many of them sex workers or survivors—argued it would criminalize consensual adult sex work, push the industry further underground, and reduce safety and income for vulnerable people.

Transcript Highlights:

• I am available to answer any other comments with regard to your committee staff comments, if desired,
• An average cost includes other components, such as prison staff, as part of that formula.
• An average cost includes other components, such as, like, prison staff as part of that formula.
• We have personnel on the ground, so we deploy our staff. We are there at command posts.
• For example, they have likely paid their staff for overtime, worked in the early part of the disaster

Summary: The committee heard a broad public safety budget hearing focused on youth justice funding, probation incentive grants, and disaster response and recovery. On the youth justice item, the Office of Youth and Community Restoration described a proposed change to the JJRBG funding formula that would shift resources away from a DJJ-based measure and toward county youth population, serious offenses, and step-down placements in less restrictive programs. Members asked about data on Native American youth; OYCR said statewide data are limited, but its SYTF data show about 1% of youth in secure youth treatment facilities were Native in 2024. The Department of Finance had no objections, and the item was discussed as a way to support alternatives to long-term incarceration. The committee then reviewed the community corrections performance incentive program for county probation departments. The Department of Finance proposed stabilizing the program with a maintenance payment, updating the performance baseline, and adding a growth factor; the LAO agreed the formula needed changes but recommended using 2022-23 data instead of 2021-23, using marginal rather than average cost assumptions, rejecting the growth payment and minimum guarantee, and adding stronger oversight through the BSCC. Finance said it was open to some technical changes but opposed a new BSCC audit framework, noting Judicial Council already surveys probation departments and that evidence-based practice use has increased over time. Members and staff indicated the proposal still needed further work. A major portion of the hearing focused on the January 2025 Southern California wildfires and state disaster response. A resident of Altadena gave emotional testimony about evacuation failures, loss of home, and the need for accountability. LAO and Cal OES outlined the disaster response and recovery system, including mutual aid, alert and warning, debris removal, FEMA and state funding streams, and the long timeline for reimbursement. Cal OES said it had pre-positioned resources, temporarily took over the county’s wireless emergency alert function for about three weeks, coordinated debris removal and recovery operations, and had already allocated more than $286 million in state funds. Officials also discussed the 100% federal cost share for emergency work for 180 days and the uncertainty created by changing federal processes and the cancellation of the BRIC resilience program. The committee also heard two smaller Cal OES items: a request to reappropriate about $22 million for the law enforcement mutual aid reimbursement program, which the LAO said should be placed in statute with clearer goals and reporting, and an update on Victims of Crime Act funding, where Cal OES said federal VOCA allocations have fallen sharply and that roughly $224 million would be needed to maintain current service levels if federal funding does not improve. Public comment included a request for funding to expand datacasting and emergency alert receivers for wildfire and earthquake warning.

Transcript Highlights:

• Thank you so much, Chair, and I want to say thank you to your staff for working with us on amendments
• And when they need to hire more staff or redirect staff to be able to do this new program or complete
• Would DTSC need to hire more staff? We don't expect that.
• Hire more staff? We don't expect that.
• We appreciate that the author and her staff have done a great job in reaching...

Summary: The committee heard several environmental and consumer-safety bills. AB 405, the Fashion Act, would require fashion companies to disclose and manage toxic chemicals in their supply chains; supporters said it would reduce worker and consumer exposure and align with existing industry frameworks, while retailers and business groups argued it would duplicate existing laws and raise costs. After questions about DTSC workload, international standards, and affordability, the bill was moved on a due-pass-as-amended motion to Natural Resources and held on call with three votes. AB 762 would ban the sale and distribution of disposable vape devices; supporters emphasized battery-fire risks, recycling contamination, and waste impacts, while cannabis and convenience-store interests warned it would push consumers to illicit markets and harm legal businesses. The bill passed on a due-pass motion to Business and Professions with three votes and was held on call. The committee also adopted the consent calendar with six votes. AB 794 would direct California to keep in place the federal PFAS drinking-water standard if federal protections are weakened, with supporters citing health risks and the need for certainty, and water agencies opposing the emergency-rulemaking authority and potential costs. Members debated whether the bill was too broad and whether federal funds would cover implementation; the bill passed on a due-pass-as-amended motion to Appropriations with four votes and was held open. AB 1148, the Safer Food Packaging Act, would restrict certain chemicals in food packaging; supporters cited cancer and reproductive-health concerns, while chemical, beverage, and manufacturing groups argued the bill should go through existing regulatory processes and that some chemicals lacked feasible alternatives. The author said she would remove antimony trioxide later in the process after hearing opposition concerns; the bill passed on a due-pass motion to Judiciary with four votes and was held open. Finally, AB 1338 would allow local air districts to recover costs for implementing fence-line air monitoring at metal shredding facilities, building on prior legislation and local air district efforts in AB 617 communities. The author said the bill would preserve local control and improve efficiency, and the South Coast Air Quality Management District testified in support. The transcript ends as the district witness begins testimony, with no vote yet taken on AB 1338.

Transcript Highlights:

• Since 2019, we have faced over 100 disasters, many of them catastrophic, and my dedicated staff have
• In fact, since 2019, since I was elected, my staff have participated in 135 local assistance centers
• In addition, our staff directly... No one should navigate this process alone.
• In addition, our staff directly assisted consumers.
• So we're looking at everything and holding my own staff accountable. Why are these taking so long?

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Transcript Highlights:

• Just a question about what's the projection for staff with this new office and what's your budget for
• I'm a staff attorney at Mid-Minnesota Legal Aid.
• Essentially, allowing them to save their home, save their equity.
• </c><01:37:04.719><c> This</c><01:37:05.040><c> bill</c> home, save their equity.
• This bill home, save their equity.

Bills: SF1750, HF704, HF3479

Keywords: common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan

Transcript Highlights:

• And so we were waiting, and I was asking our staff on a regular basis when we were going to have an agenda
• </c><00:56:55.440><c> are</c> holiday shoppers today and my staff are holiday shoppers today and my staff
• Uh we just free up cash flow and equity.
• We have an organization called Holiday Helpers, which our staff from social services leads up and has
• Um, we will come back in January before staff leaves for the end of the year.

Keywords: 1187, senate, all

Transcript Highlights:

• When Congress passed IDEA in 1975, it was a landmark step toward educational equity.
• It opened classroom doors to equity.
• and support staff to divert critical<00:42:52.079><c> time</c><00:42:52.240><c> and</c><00:42:52.560
• I get alerts from my staff every single day of every mass murder, of every tragedy in this country.
• And I thank the staff, the veterans, and the volunteers for their important work. Thank you, Mr.

Keywords: U.S. House of Representatives Floor Proceedings on Thursday, December 4, 2025, 1012, house, all

Transcript Highlights:

• My name is Grant Bossy, Deputy Chief of Staff for the New Hampshire Senate, here to introduce Senate
• </c><00:18:47.720><c> for</c> Grant bossy Deputy Chief of Staff for Grant bossy Deputy Chief of Staff
• At this point, for the record, my name is Lisa Bodwin, Director of Strategies for Disability Equity,
• and I want to disability equity and I want to encourage<00:25:48.200><c> you</c><00:25:48.360><c> to
• Office staff refused. Then they were asked to call the police, which they did.

Keywords: 1191, senate, all

Transcript Highlights:

• So if staff could maybe help me prepare an oral amendment, I would offer that when it's appropriate.
• diversity, equity, and inclusion initiatives,<01:02:16.559><c> which</c><01:02:16.799><c> are</c><01
• </c><01:32:50.159><c> One</c> marshall staff shortage issues. One marshall staff shortage issues.
• </c> and, uh, several hundred command staff and, uh, several hundred command staff officers<01:57:10.639
• One of our main concerns in law enforcement today is the recruitment and retention of our staff, both

Keywords: 1187, senate, all

Transcript Highlights:

• Specifically, I know you say you have a lot of private equity investors.
• And we now have a venture-backed private equity company here that also doesn't want to trigger a mandate

Keywords: 995, all

Summary: The commission met for its fourth hearing on emerging firearm technology, focused on personalized firearms and related privacy issues. Co-chairs noted the commission’s charge to study personalized firearm incentives, risks from digital manufacturing codes and AI, and the costs of requiring personalized firearm and microstamp technologies, and said the report deadline is being extended to July 31. They also announced the next public hearing for April 17 at 11:00 a.m., limited to Massachusetts residents. The first witness, Kai Kloepfer of Biofire, described the company’s personalized 9mm smart gun and argued it is designed to prevent unauthorized use through biometric authentication, local encrypted data storage, no wireless connectivity, and automatic disarming when released. He said Biofire opposes any mandate requiring personalized firearms, calling such mandates a de facto gun ban that would stifle innovation, limit consumer choice, and burden a still-developing market. He said the company has a patent portfolio, has received thousands of pre-orders, is shipping in all 50 states, and is approved for sale in Massachusetts; he also said the gun costs about $1,500, is currently sold online, and is intended mainly for home defense. Members questioned him about sales, manufacturing, battery life, repairability, transfer of ownership, possible expansion to other firearms, and whether microstamping could be incorporated. A Massachusetts firearms roster official, Michaela Dunn, explained the state’s testing and approval process for handguns and confirmed that the Biofire firearm is now on the Massachusetts roster and commercially available for retail sale in the state. Kate Crockford of the ACLU of Massachusetts testified only on facial recognition, warning that commercially available systems show significant demographic bias and that Massachusetts lacks comprehensive biometric privacy protections. She urged passage of pending data privacy and biometric privacy bills, including the Massachusetts Data Privacy Act and related measures, before any broader use of biometric verification in firearm laws. Commissioners discussed privacy concerns, and Biofire said its system is zero-knowledge and would likely comply with stronger biometric privacy laws. No votes were taken and no formal action was reported beyond the scheduling announcement and the extension effort.

Transcript Highlights:

• And a lot of times the terms are complex and that can actually result in them losing their home equity

Summary: The committee met with a quorum present and heard Senate Substitute for Senate Bill 834, sponsored by Senator Sandy Crawford. Crawford described the bill as the Mortgage Modification Act, intended to modernize loan modifications by preserving lien priority while allowing changes such as interest rate adjustments and term extensions. She said the measure is consumer-friendly because it can help borrowers avoid foreclosure and reduce the need for new title work and appraisals. She also explained a Senate floor amendment adding the Missouri Residential Sale Leaseback Protection Act, which would provide consumer protections for homeowners entering sale-leaseback transactions, including time to seek advice and safeguards against predatory practices. A committee member thanked Crawford for the mortgage modification provisions and noted the practical benefits for consumers seeking lower rates. In support testimony, David Kent of the Missouri Bankers Association said the bill was very consumer-friendly and supported the mortgage modification section, while being neutral to generally supportive of the leaseback provisions. Heath Clarkston of the Missouri Mortgage Bankers Association agreed, saying the bill made sense and that the amendment did not appear problematic for the mortgage industry. No one testified in opposition or for informational purposes. After closing testimony, the chair announced that the hearing was complete and adjourned the meeting.