Video & Transcript Research : 'Second Amendment'
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ND
North Dakota 2025-2026 Regular Session
Senate Appropriations - Human Resources Division Apr 10th, 2025 at 09:30 am
Appropriations - Human Resources Division
Transcript Highlights:
- Is there a second?” “I don’t have anything else to say. Is there a second to that?”
- I think Senator Davis, Senator Madison is correct that it does increase it the second time, the second
- Senator Davison would second that.
- Chairman, Senator Matherner, I saw your amendment.
- Keith did get the amendment to us as we were talking.
Bills:
SB2015
Keywords:
corrections, rehabilitation, prison budget, department of corrections, adult services, youth services, correctional facilities, Heart River correctional center, Missouri River correctional center, James River correctional center, minimum security facility, county jails, regional jails, deferred maintenance, capital construction, strategic investment and improvements fund, Bank of North Dakota, line of credit, tasers, body cameras
Summary:
The committee met to review revised long sheets and section-by-section language for a human services/health budget bill, with much of the discussion focused on how to present block grant funding and full-time equivalent (FTE) positions for behavioral health clinics and CCBHCs. Members debated whether to keep FTE counts in the budget at all, ultimately leaning toward removing or zeroing out the FTE references while keeping the dollar authority, and reducing the salaries-and-wages block grant by about $4.75 million. They also discussed public health federal authority, agreeing to remove about $60 million in unused federal spending authority tied to COVID-era funds, and clarified that if federal money later becomes available it could be requested through the Emergency Commission.
A major topic was the provider inflation increase. The House version had 2% and 2%, while members debated alternatives and appeared to settle, at least for further work, on 2% in the first year and 1.5% in the second year, with staff asked to recalculate the fiscal impact. The committee also reviewed FMAP changes, noting a revised 2027 FMAP estimate and its effect on general fund and other funds, and discussed whether to adjust public health and other line items accordingly. Several members emphasized that many of these numbers are still tentative and will be refined before final action.
The committee also touched on several policy items and capital-related provisions, including behavioral health services, Medicaid expansion, the moratorium on new ICF beds, and a proposed amendment for a medical homes/fourplex-related item that would show a $400,000 legislative investment with repayment from a developer. There was extended discussion of the All True hospital/facility proposal, with some members favoring leaving it in with a smaller initial commitment and others preferring to remove it and revisit later in conference committee. The meeting ended with staff asked to continue updating the bill language and members instructed to review remaining sections before the next meeting; no final votes were taken in the portion provided.
MA
Massachusetts 2025-2026 Regular Session
Informal House Session 20 Jun 21st, 2026 at 11:00 am
Massachusetts House Floor Meeting
Transcript Highlights:
- Second reading of the bills.
- Second reading of the bills.
- First Division, 0; Second Division, 0; Third Division, 0; Fourth Division, 0.
- Walsh of Peabody offers an amendment into the hands of the clerk. Mr.
- The amendment is adopted. Question comes on passing the bill to be engrossed as amended.
Summary:
The House began with committee reports and adopted several resolutions and orders without objection after suspending the rules. These included commendations for the New England Hemophilia Association and congratulations to an Eagle Scout, as well as extensions of reporting deadlines for the Committees on Mental Health, Substance Use and Recovery and on Revenue. The Committee on Steering, Policy and Scheduling also reported a slate of bills for House consideration, including measures designating Fred Korematsu Day, authorizing several named individuals to take firefighter civil service exams or continue public safety employment despite age limits, creating Agent Orange Awareness Day, and addressing housing court jurisdiction.
The House then suspended Rule 7A, took second readings on the scheduled bills, and ordered them to a third reading. The chamber also considered House Bill 4643, authorizing the Massachusetts Department of Transportation to convey a parcel of land in Stoneham; the emergency preamble was adopted by a recorded division vote, and the bill later passed to be enacted. House Bill 4763, validating the results of a Bourne town election, passed to be engrossed, and House Bill 4962, establishing a sick leave bank for a Department of Correction employee, was amended to add an emergency preamble and then passed to be engrossed as amended.
In final actions, House Bill 3898, amending the charter of the town of Natick, passed to be enacted. The House also adopted an order to adjourn until Thursday at 11:00 a.m., and then adjourned to meet in informal session at that time.
FL
Florida 2025 Regular Session
March 26, 2025 - 11:30 AM
Transcript Highlights:
- We have new amendments. Is there any public testimony? We have new amendments.
- By your vote, the amendment is adopted. Now back on the bill as amended.
- No amendments? Public testimony? No amendments.
- Gottlieb on this second amendment? Don't see any. Rep. Fabricio, you're recognized.
- Gottlieb on this second amendment? Don't see any. Fabricio, you're recognizing.
Summary:
The committee met with a quorum and considered a large agenda of bills, mostly in the criminal justice, courts, civil procedure, and family/consumer protection areas. Early measures included CS/HB 1161 on removing altered sexual depictions posted without consent, HB 403 modernizing LLC law to allow protected series LLCs, CS/HB 97 on service of process in protection proceedings for vulnerable adults, and HB 813 as the state courts package addressing duty judges, arbitrator compensation, and notarization by judges. All of those bills were reported favorably, with HB 403 and HB 813 amended. The committee also heard and advanced CS/HB 947 on evidence of medical damages in personal injury and wrongful death cases, which drew substantial opposition from insurers, business groups, and defense-oriented witnesses, while the sponsor argued it would let juries hear all relevant evidence; it passed 19-3.
Members also approved CS/CS/HB 615 allowing electronic delivery of landlord-tenant notices by email, after an amendment requiring opt-in language and written notice to update an email address; tenant advocates still raised concerns about eviction-related notices and receipt verification. HB 663 increased penalties for using tracking devices or apps to commit dangerous crimes and passed unanimously. CS/HB 385 made technical changes to the Florida Trust Code and passed unanimously after a conforming amendment. CS/HB 255, known as Dexter’s Law, increased penalties for aggravated animal cruelty and was supported by law enforcement and animal welfare groups; it passed unanimously.
Later in the meeting, the committee approved HB 513 on electronic transmittal of court orders after the sponsor withdrew an amendment that would have changed the deadline from six hours to six business hours, following concerns that the delay could be too long for urgent orders. CS/HB 1099 gave law enforcement discretion in arrests involving individuals with significant medical conditions in facilities and passed unanimously. HB 653 added aggravating factors for capital felonies involving assassinations or attempted assassinations of heads of state; it drew opposition from the Florida Conference of Catholic Bishops and passed 20-2. CS/HB 59 expanded wrongful incarceration compensation by extending the filing deadline, removing the clean-hands bar, and allowing exonerees to choose between civil suit and the state claims process; it passed unanimously. PCS/HB 777 increased penalties for in-person luring or enticing of children and barred certain age-based defenses, passing unanimously. Finally, CS/HB 437 increased penalties for tampering with electronic monitoring devices; two amendments softened the bill by clarifying juvenile treatment and giving judges limited discretion to avoid automatic revocation of pretrial release, and the bill passed 21-1 before the meeting adjourned.
CA
Transcript Highlights:
- Stephanie seconded by... Okay, you have that.
- Secretary, please, can I have a motion and a second? Moved by Patel, seconded by Arons.
- We have a motion and a second. Please call the roll.
- We have a motion and a second. Please call the roll.
- We have a motion and a second. Please call the roll.
KY
Kentucky 2026 Regular Session
House Standing Committee on Primary and Secondary Education. (2-25-26)
Primary and Secondary Education
Transcript Highlights:
- Uh, second, we've got a proposed committee amendment uh to the committee sub and it's in your packets
- I need a motion on the committee<00:03:47.840>
amendment. >> So moved. >> Second. - We got a second. I need a voice vote on the committee amendment. All in favor?
- I need a second. Second. We've got a second. We have some questions here. Representative Proctor.
- We got a second. Jay, >> I've got a motion. We got a second.
Keywords:
Call to Order and Roll Call: 0:02
Bills for Consideration:
26RS HB 383: 1:03
26RS HB 469: 6:32
26RS HB 586: 14:46
26RS HB 621: 19:58
Adjournment: 28:32, 958, all
Summary:
The House Standing Committee on Primary and Secondary Education met and first considered House Bill 383, which concerns military-connected students with IEPs and 504 plans. The sponsor explained that the bill, as amended by a committee substitute and then a committee amendment, is intended to emphasize Kentucky’s priority for military children and to have their existing or new plans adopted within 30 days of arrival to the greatest extent possible, while documenting cases where that is not possible. Members spoke in support, including references to military families who would benefit. The committee adopted the substitute and amendment and then passed HB 383 favorably to the House floor with the committee substitute attached.
The committee next heard House Bill 469, which would require school board candidates to undergo a background check and can test before appearing on the ballot. The sponsor said the bill was prompted by concerns about school board access to children and school buildings, and that the cost would be paid by the candidate. Members asked about the criteria for disqualification and the open records exemption; the sponsor said the background check would use existing pass-fail criteria and the records exemption would protect candidates from embarrassment if they failed. The committee passed HB 469 favorably with the committee substitute attached.
House Bill 586 was then considered, clarifying that sunscreen is not a medication in schools. The sponsor and a student advocate testified that some districts treat sunscreen as an over-the-counter medication, limiting student use without a provider order, and argued the bill would help prevent sunburn and skin cancer by allowing students to use sunscreen more freely. Members praised the advocacy and asked about the medication issue; the sponsor said the concern came from dermatology stakeholders. The committee passed HB 586 favorably to the House floor.
Finally, the committee took up House Bill 621, which would move special education caseload and class-size limits from regulation into statute. The sponsor said the bill responds to proposed Department of Education changes that worried special education teachers, would slightly increase class-size maximums when a paraprofessional is present, and would not affect waiver procedures, preschool caseloads, or speech-language pathologist caseloads. Members asked about the rationale and supporting data for the limits; the sponsor said there are no federal guidelines and the bill was meant to preserve current regulatory numbers. The committee passed HB 621 favorably to the House floor, and then adjourned.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Friday, March 27, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- thereto and to have concurred in the Senate amendment with an amendment consisting of the text of Rules
- purposes with the Senate amendment purposes with the Senate amendment thereto<00:04:18.400>
and - Senate amendment Senate amendment with<00:04:22.479>
an <00:04:22.720>amendment <00 - amendment with an amendment consisting amendment with an amendment consisting of<00:05:26.080>
- . seconds. seconds.
FL
Transcript Highlights:
- It seems like your amendment is talking about going from a second degree misdemeanor to a third degree
- The amendment is a doubt. All opposed say nay. The ayes have it. The amendment is adopted.
- We're back on the bill as amended. Are there any questions on the bill as amended?
- The amendment is adopted. We are back on the bill as amended.
- The amendment is adopted. ...amendment say yay, all opposed say nay. The amendment is adopted.
Summary:
The Transportation Committee took up several bills and agency priorities. SB 44, as amended, increased penalties for operating a vehicle with unauthorized red or blue lights and for obscuring a license plate, including new penalties for using, possessing, manufacturing, or selling license-plate obscuring devices. The sponsor and supporting law enforcement witnesses said the bill addresses widespread plate obstruction and enforcement problems; the committee adopted the amendment and reported the bill favorably. The committee also passed SB 654, designating a railroad overpass in Starke as the Heroes Memorial Overpass, and SB 620, creating a Miami-Dade College specialty license plate with proceeds supporting scholarships and limited administrative/marketing costs.
The committee then considered SB 594, which would allow Florida deep-water ports to seek Fish and Wildlife Commission approval for no-anchoring/no-mooring buffer zones adjacent to port channels and turning basins. An amendment clarified the application process, review timeline, rulemaking, and enforcement. Port representatives supported the bill as a way to protect channels and commerce, while several boating and cruising advocates opposed it, arguing the 5,000-foot buffer was excessive, could create safety issues, and would displace anchored vessels without adequate alternative dockage. Despite the opposition, the committee adopted the amendment and reported the bill favorably.
The committee also heard a presentation from the Department of Highway Safety and Motor Vehicles on its 2025 legislative priorities, including stricter proof-of-address and identification requirements for vehicle registration, changes to tank vehicle and IFTA rules, a higher crash-report damage threshold, and electronic notice options. Secretary Perdue then outlined FDOT priorities focused on workforce development, research, rural road funding, small business participation, consistent traffic-control standards, modal infrastructure, transit accountability, spaceport support, advanced air mobility, and shifting some power-consumption revenues to the Transportation Trust Fund to offset electric vehicle impacts. No votes were taken on the agency priorities, and the meeting adjourned after members recorded additional affirmative votes on SB 44 and SB 654.
NH
New Hampshire 2025 Regular Session
House Criminal Justice and Public Safety (01/22/2025)
Criminal Justice and Public Safety
Transcript Highlights:
- first and second offense, making both first and second offense a misdemeanor and a class B felony penalties
- offense making both first and and second offense making both first and second<00:05:01.039>
offense - <00:28:41.279>
away I would love that amend away I would love that amend away representative - Give me one second.
- Court sorry hold on give me one second Court sorry hold on give me one second just<00:31:48.360>
NH
New Hampshire 2025 Regular Session
House Municipal and County Government (02/10/2025)
Municipal and County Government
Transcript Highlights:
- this amendment?
- do uh this amendment specifically would do uh this amendment specifically would do<04:26:02.560>
- But that amendment does not amend that section of the law, as far as I am aware.
- ><04:26:38.319>
that <04:26:38.560>section Amendment does not amend um that section Amendment - Dees. amendment for the proposed 79 3-c that amendment for the proposed 79 3-c that representative<04
FL
Florida 2026 Regular Session
Appropriations Committee on Pre-K - 12 Education Jan 28th, 2026
Appropriations Committee on Pre-K - 12 Education
Transcript Highlights:
- On Amendment 928604, former Senator Burgess, having explained it, are there questions on the amendment
- We don't have any appearance forms on the amendment. Questions on the amendment? Okay.
- The amendment is adopted. We're back on the bill as amended. Questions on the bill as amended?
- And so I just wanted to make clear that the amendment,...
- Second, we took your phone.
Keywords:
Florida Virtual School, FLVS, virtual school, online education, distance learning, K-12 education, public school choice, charter-like franchise, student enrollment priorities, home education, homeschool, military families, active duty military, rural schools, inner-city schools, accelerated graduation, education technology, supplemental funding, direct-support organization, foundation
Summary:
The committee first heard SB 124, which updates Florida Virtual School’s statute to remove outdated language and clarify its service, funding, governance, reporting, and district coordination provisions without changing day-to-day operations. Florida Virtual School testified in support, members praised the bill, and it passed unanimously on a roll call vote.
The committee then took up CS for SB 206 on students with autism spectrum disorder. Senator Harrell explained that the bill would require autism and neurodevelopmental training in educator preparation programs, require ESE-certified teachers to complete an autism microcredential, create an Autism Educator Loan Forgiveness Program, provide salary supplements for teachers with the autism endorsement, and require district professional development to include autism-specific training with local CARD centers. A large number of speakers—teachers, parents, students, and advocacy groups—supported the bill while urging that implementation be fully funded, high quality, and not become an unfunded mandate. Several members spoke in favor, emphasizing the growing number of students with autism and the need to recruit and retain special education teachers. The bill was reported favorably by committee vote.
Finally, the committee considered SB 420 on patriotic displays in classrooms. Chair Burgess explained the bill as a way to place portraits of George Washington and Abraham Lincoln in schools to encourage civic and patriotic reflection, and he offered an amendment narrowing the requirement from every classroom to one prominent display in each school and adding language making it subject to state appropriation. The amendment was adopted. Testimony on the bill was mixed: some speakers supported the idea as a spark for civic discussion, while many others opposed it as symbolic, unnecessary, or better addressed through curriculum and teacher training rather than mandated displays. In debate, some senators argued the portraits could prompt broader historical conversations, while others raised concerns about representation, classroom autonomy, and funding. The transcript ends during debate on the amended bill, before a final vote is shown.
KY
Transcript Highlights:
- hold up here a second, hold up<00:01:56.960>
just <00:01:57.200>a <00:01:57.360>second - Is there a motion to adopt the amendment to the sub? We have a motion. Do we have a second?
- Um I am a second for two terms. Um I am a second generation<00:29:49.600>
educator. - We have we have a second<00:59:27.119>
from <00:59:27.599>Senator second from Senator second - amendment is rolled into committee sub. amendment is rolled into committee sub.
Summary:
The Senate Education Committee first recognized several guest groups, including a Harrison County leadership group and students from Mercy Academy, then heard a presentation tied to Career and Technical Education Month from Kentucky FCCLA student leaders D. Owens and Kaden Dunn. The students described FCCLA’s role in building confidence, leadership, and career readiness, and argued that CTE is a strong pathway rather than an alternative one. They cited membership and achievement statistics, discussed their own experiences in FCCLA, and urged continued and expanded state support for CTE, internships, apprenticeships, rural access, and teacher recruitment. Several senators responded positively, praising the presentation and emphasizing the value of CTE and workforce preparation.
The committee then took up Senate Bill 152, an act relating to education, and adopted both a committee substitute and a committee amendment. Senator Aaron Reed explained that the bill would replace school-based decision-making councils with school-based advisory councils, while keeping parent and teacher input but shifting final authority over hiring, curriculum, and school leadership to principals and superintendents. He said the bill was intended to clarify responsibility and strengthen accountability. Senator Thomas questioned whether there was evidence that site-based councils were failing, and Reed said he had heard concerns from parents and teachers but did not have a formal list of evidence at hand.
Senator Higdon supported the bill as a needed review of a system adopted in 1990, noting that education has changed significantly and that prior reforms have shown the process can work. Senators West and others asked for clarification that parental involvement would remain, and Reed said it would. Three opponents then testified: Elizabeth Irwin of the Kentucky Association of School Councils, Ed Hendrick representing KA, and Autumn Nagel of the Kentucky State PTA. They argued that dismantling SBDMs would reduce authentic parent and teacher voice, politicize school decisions, and take authority away from those closest to students. They said local councils have transparency and elections already in place and urged support for the existing school council structure rather than reducing its role.
MN
Transcript Highlights:
- The motion prevails and... bill as amended. So let's get these done bill as amended.
- or she moves that the DE1 amendment or she moves that amend<01:04:47.839>
DE2. - those in favor of the amendment say I. those in favor of the amendment say I.
- So, we need to remove that out of this as an oral amendment. Then there's a second one. Okay.
- strike section six of the DE2 amendment. strike section six of the DE2 amendment.
CA
California 2025-2026 Regular Session
Assembly Floor Session May 19th, 2025
California House Floor Meeting
CA
CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 092 Apr 16th, 2026
Colorado House Floor Meeting
Transcript Highlights:
- One second, we'll get the amendment displayed. Thank you, Mr. Chair. What does Amendment L-47 do?
- The amendment is lost. The amendment is lost.
- The amendment is lost. The amendment is lost.
- The amendment is lost. We are back to the bill. Rep. Story: I was just like 30 seconds early.
- Members, amendment L-31 is a multi-page amendment.
CA
California 2025-2026 Regular Session
Assembly Agriculture Committee Jul 2nd, 2025
Transcript Highlights:
- Were there amendments on this bill? Did you already take amendments?
- Were there amendments on this bill? Did you already take amendments?
- Were there amendments on this bill? Did you already take amendments?
- We have a motion and a second. Madam Clerk, if you could call the vote.
- There's already a motion and a second.
Summary:
The Assembly Committee on Agriculture heard three bills. SB 18 by Senator Rubio would create a Food Desert Elimination Grant Program at CDFA to help open or improve grocery stores in food desert communities. Supporters said it would improve access to healthy food, create jobs, and help underserved neighborhoods; opponents argued it could favor large chains, lacked community input and accountability, and should better prioritize tribal, BIPOC-owned, and community-led retail. Committee members raised concerns about population thresholds, community engagement, and long-term commitments, and the author said the bill could be strengthened with guardrails. SB 18 passed 7-0 and was sent to Appropriations.
SB 312 by Senator Umberg would require out-of-state shippers of dogs to electronically submit health certificates to CDFA and make them available to buyers and enforcement agencies, aiming to improve consumer protection and traceability in the puppy import pipeline. Supporters from animal welfare and humane organizations said the bill would help stop sick or misrepresented puppies from entering California and give investigators a central record. Members asked about privacy and enforcement, and the author indicated amendments could address consumer privacy concerns. The bill passed unanimously and was sent to Appropriations.
SB 493 by Senator Becker would change how compensation is set for secretary managers of district agricultural associations and fairgrounds, shifting salary-setting authority to CDFA and requiring periodic salary surveys. Supporters said fairgrounds are critical emergency-response and community facilities and that the bill would help recruit and retain qualified leaders with fairer pay. Some members expressed concern about local control and appointment delays, but clarified the bill only addressed salary, not appointments. SB 493 also passed unanimously and was sent to Appropriations.
CA
California 2025-2026 Regular Session
Assembly Floor Session May 27th, 2026
California House Floor Meeting
Transcript Highlights:
- This is like the second or third line, if you look at the file.
- The bill has been amended to clearly exempt small businesses.
- I have also agreed to take a number of amendments in the Senate.
- Those are the amendments. Why did I bring this bill forward?
- That there are some amendments that may be taken in the Senate.
MN
Minnesota 2025-2026 Regular Session
House Health Finance and Policy Committee 2/12/25
Health Finance and Policy
Transcript Highlights:
- Representative Thear, you have an A2 author amendment.
- Would you like to explain and move your amendment? Yes, the A2 amendment.
- That's the explanation for the amendment. committee the A2 Amendment while 13 committee the A2 Amendment
- question I think the a the A2 Amendment question I think the a the A2 Amendment and<00:48:47.280
- if you would like to offer an amendment if you would like to offer an amendment to<01:31:39.119>
ND
North Dakota 2025-2026 Regular Session
Legislative Task Force on Government Efficiency Jun 30th, 2026
Transcript Highlights:
- On page three, in the second bullet, I would make a motion to strike on the second line the words "to
- Okay, a motion to approve as amended by Mr. Gallion? I second. Is there a motion? I need a motion.
- Moved by Hogan, seconded by S.
- Okay, a motion to approve as amended by Mr. Gallion? I second. Is there a motion? I need a motion.
- Moved by Hogan, seconded by S. I need a motion. Moved by Hogan, seconded by Vice Chair Wallen.
Summary:
The task force approved the March 25, 2026 minutes as amended, striking language about contracting with a security vendor. Members then reviewed a draft bill on concessions procurement (LC 27.0161), which would raise the competitive solicitation threshold from $25,000 to $50,000, allow requests for proposals in addition to bids, update language for vending and merchandising machines, and clarify where concession proceeds are deposited. OMB explained the bill and said it was open to further changes, including language to address artificial fragmentation, clarify which government entities are covered, and possibly set contract-length limits. Members raised questions about whether the bill would apply to school districts, park districts, airports, and other political subdivisions, and about whether concession agreements could direct proceeds to nonprofits or other secondary recipients; OMB said the statute is intended to require proceeds to go to the government entity’s operating fund or general fund.
OMB also reported on other survey suggestions. It said a proposed general authority for agencies to create pre-qualified architect/engineering vendor pools would not move forward, because the existing authority is best limited to high-volume agencies. On legal notices, OMB said it had made progress with the North Dakota Newspaper Association on modernizing online notices, improving ADA compliance, and discussing rate and definition changes. On click-through agreements, OMB and the Attorney General’s office concluded no statutory change was needed after revising internal guidance; the $20,000 threshold was described as a practical cutoff for adhesive, nonnegotiable software terms. OMB also said issues raised by the Center for Distance Education on alternate procurements and food/beverage expenditures had been resolved through policy clarification.
The University System gave a brief update on its collaboration with OMB and said it was continuing to review concessions, surplus property, and capital project statutes with all institutions involved. The task force then discussed a draft bill on requirements for new or expanded spending, intended to require agencies to identify program purpose, needs, alternatives, success measures, and budget details, and to report on outcomes over time. Members and staff debated whether OMB or Legislative Council should collect and report the information, how much should be real-time versus periodic, and whether the bill should include full implementation costs for pilot programs. Legislative Council staff said the new program evaluation division is still being built out, that staffing remains limited, and that the office plans to continue working with OMB and the executive branch to refine the proposal before the next meeting. No final action was taken on the draft bills beyond directing further work and follow-up for the next meeting.
LA
Transcript Highlights:
- Senator Barrow has a question on the amendment? On the amendment.
- Senator Barrow has a question on the amendment? On the amendment.
- On the amendment or on the bill, sir? On the amendment. Okay. Senator Plessis on the amendment.
- On the amendment, Senator Barrow? No, not on the amendment. Okay.
- Senator Barrow on the amendment or the bill? Okay. Hold on one second.
Keywords:
family leave, insurance, paid leave, employment benefits, caregiver support, liability insurance, coverage defenses, direct action, judgment enforcement, legal procedures, insurance referrals, compensation, non-licensed agents, consumer protection, insurance products, HB 870, Act 907, Louisiana insurance, health insurance, prescription drugs