Transcript Highlights:

• It seems like I've heard conversations that we weren't really at a discount; there really wasn't a discount
• Program. Welcome, Commissioner. Thank you very much.
• And that's, I think, the challenge of this program.
• And then we have the DEQ Restoration Program, the Ag Department Pipeline Program, the Ag Department Realty
• Program, and then a few miscellaneous dollars.

Keywords: 908, all

Transcript Highlights:

• , education programs, supportive programs, treatment programs.
• These programs exist in prison.
• A sentencing discount is basically anything that's discounted off the judge's sentence.
• A sentencing discount is basically anything that's discounted off the judge's sentence.
• Oh, I talked about sentencing discounts.

Keywords: 908, all

Transcript Highlights:

• <00:09:34.800> evaluation standards or our program evaluation standards or our program evaluation
• inflationary estimates only to programs inflationary estimates only to programs that<00:31:20.559
• <00:31:55.399> refunding only calculated for programs refunding only calculated for programs
• <00:50:22.440> for value based reimbursement program for value based reimbursement program
• This meeting is adjourned. reimbursement but both of those programs reimbursement but both of those programs

Bills: HF3

Keywords: legislative auditor, reporting, accountability, state finance, executive agency oversight, 1183, house

Transcript Highlights:

• I retired two and a half years ago, and I remember that the only discount a drugstore received in the
• late 60s was if you paid your bill on time, you got a 2% discount.
• Discounts began to change a little bit in the late 60s.
• You received your discount plus a moderate fee of $345, and the patient paid a $5 copay. ...$345, and
• not consider the cost of doing business for... ...a drugstore, and I think when you take away a discount

Keywords: 923, senate, all

Transcript Highlights:

• This is not a broad subsidy program or a complicated grant process.
• The merchant discount fee goes into a multitude of different facets.
• Every consumer card does not have that program available.
• The interchange or the merchant discount, excuse me, the merchant discount fee is higher on a credit
• The merchant discount fee is higher on a credit card versus a debit card.

Keywords: 995, all

Summary: The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing focused on interchange fees, sales tax and tip processing, chargebacks, fraud, surcharging, and the broader future of payment systems. Chair Paul Feeney and co-chair Rep. Jamie Murphy opened by explaining the commission’s charge and inviting testimony from small businesses, industry groups, banks, and policy experts. Representative Sean Garballey testified first, arguing that Massachusetts tourism depends on universal card acceptance and stable interchange, and urging the commission not to disrupt the current system ahead of major events expected to bring millions of visitors to the Commonwealth. A large portion of the hearing featured independent restaurant owners and advocates describing thin margins and the burden of paying percentage-based processing fees on sales tax and tips that are not business revenue. Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others said restaurants often operate on very small profits and that processing fees on taxes and gratuities can amount to tens or hundreds of thousands of dollars annually. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, and limiting repeat abuse. Commission members pressed witnesses on whether tax and tip amounts could be separated at the point of sale, and several witnesses said current consumer card systems do not transmit that level of detail. Testimony from credit union, banking, and payments representatives largely opposed state-level changes that would carve out taxes or tips from interchange, warning of compliance burdens, higher costs, reduced rewards, and possible effects on fraud protection and access to credit. Alex Verine of America’s Credit Unions and Deb Peters and Keely McEwen of the Electronic Payments Coalition said the payment system is complex, that interchange funds fraud prevention and network infrastructure, and that new state mandates could create operational and legal uncertainty. Dan Swanson argued states have authority to act and pointed to Illinois litigation and federal court rulings, while Julian Morris and Brad Popolado emphasized the benefits of card acceptance, the decline of cash, and the need to consider other payment methods and check fraud as well. Several witnesses discussed international payment systems, instant payments, and QR standards as possible future directions. The chairs and members engaged in extended back-and-forth with witnesses about whether Massachusetts could exempt sales tax from swipe fees, whether surcharging should be revisited, and whether vendor compensation or other targeted relief might be more workable than broad changes to interchange. No votes were taken. At the close of the hearing, the chairs said the commission would hold one additional public hearing date to be determined, after which members would begin developing next steps and a report.

Transcript Highlights:

• The initial bill was a pilot, and the good thing about a pilot is that it tests whether a program or
• and say uh the Wonders that it's program and say uh the Wonders that it's done<00:52:55.920> for<
• It's a volume discount issue. It is a storage issue, and we have grave concerns about that.
• a large quantity significantly discount a large quantity of<01:15:23.159> that<01:15:23.480><
• <01:16:39.280> their retailer could even discount their retailer could even discount their

Keywords: 1187, senate, all

Transcript Highlights:

• want retailers using this type of data as consideration for discounts they are given.
• This bill has nothing to do with veteran discounts or senior discounts or about the characteristics of
• Those discounts can still work as needed. Okay. I agree with that.
• Please don't gut restaurant gift card programs, and instead we respectfully request a no vote.
• These gift card programs are used to incentivize people to come in through our doors.

Summary: The committee hearing covered several bills related to privacy, consumer protection, and online harms. SB 259 by Senator Wahab would prohibit surveillance pricing based on device data such as geolocation or battery level; supporters argued it would curb discriminatory and predatory pricing, while opponents raised concerns about geolocation definitions, legitimate location-based pricing, and impacts on discounts and loyalty programs. The bill was moved on a due pass motion to the Judiciary Committee and passed 8-1, with members noting amendments and ongoing discussions with stakeholders. SB 22 by Senator Laird would raise the amount of gift cards that can be redeemed for cash, with the author saying the goal is to update the long-standing $10 threshold for inflation and preserve consumer value. Consumer advocates supported the bill, while retailers, restaurants, grocers, and chambers of commerce opposed or opposed unless amended, citing fraud concerns, safety issues, and the need for clarification on donated or returned gift cards. The committee voted the bill out on a 6-1 vote and kept it on call. SB 576 by Senator Umberg would apply broadcast-style loudness rules to streaming advertisements. The author said the bill is intended to prevent ads from being much louder than programming, especially for children, while the opposition argued that streaming ad insertion is technically different and that existing industry standards and FCC oversight already address the issue. The bill passed 8-0. SB 683 by Senator Cortese would clarify that people can seek injunctive relief, including a TRO, for unauthorized use of name, image, or likeness; supporters said it strengthens privacy protections, while opponents warned about prior restraint and First Amendment concerns. The bill was moved out on a due pass motion and kept on call. The final bill discussed, SB 771 by Senator Stern, would clarify that existing civil rights and hate-related laws apply to social media platforms and their algorithms, with higher penalties for intentional or reckless violations. Supporters, including the Simon Wiesenthal Center and the Islamic Networks Group, described online hate as fueling real-world violence and urged stronger accountability; opponents argued the bill could conflict with Section 230, chill lawful speech, and create vague standards. Members raised questions about constitutionality, definitions, and whether the bill would be workable, but several expressed support for the author’s goals.

Transcript Highlights:

• , education programs, supportive programs, treatment programs.
• These programs exist in prison.
• Statutorily, it is called a release program.
• A sentencing discount is basically anything that's discounted off the judge's sentence.
• Oh, I talked about sentencing discounts.

Summary: The committee opened with a moment of silence for a deceased member, then approved the April minutes and heard a presentation from HHS on the Diversion Task Force and related youth services grants. Chelsea Florey described the $750,000 one-time appropriation from HB 1012, the five awarded grants, and how programs in Bismarck, Fargo, Grand Forks, and Minot are using the funds for youth diversion, including school-based groups, physical activity, and services for problematic sexual behavior. Members raised concerns about staffing shortages, family engagement, service silos, and whether diversion eligibility rules are too rigid; Florey said the task force is focused on better coordination, broader education about available services, and possible changes to diversion criteria, with the Children’s Cabinet likely to drive broader recommendations. The committee then received a North Dakota Lottery biennium report from Director Thomas Lawler, who reviewed the lottery’s history, games, retailer commissions, player programs, and revenue distribution. He reported about $67 million in ticket sales for the 2023-2025 biennium, about $16.2 million transferred overall, including roughly $13.6 million to the general fund, plus transfers to drug task force and compulsive gambling funds. Members asked about the compulsive gambling allocation and whether it is set by statute. Next, the Department of Corrections presented on criminal justice data sharing and reentry. Adam Anderson explained that jails, courts, DOCR, HHS, and other entities use separate systems with limited interoperability, making real-time communication largely manual. He outlined possible hub or point-to-point IT solutions, but noted cost, vendor, identifier, and data-definition challenges. Robin Schmolenberger followed with an update on a Medicaid data exchange project between DOCR and HHS to suspend and reactivate inmate Medicaid coverage automatically and improve care coordination, with full bi-directional exchange expected in fall 2026. The committee also heard from county representatives on 24-7 sobriety program fees and an AG opinion allowing local sheriffs to use cheaper testing options when courts waive fees. Finally, the North Dakota Racing Commission reviewed a troubling audit. Bruce Johnson acknowledged serious findings involving overspending from the promotion fund, missing grant documentation, a reversed decision on breeders fund eligibility, and repeated procurement violations. He said the commission has begun corrective actions, including monthly tracking of the promotion fund cap, stricter grant documentation, written procurement procedures, and clearer eligibility rules in condition books. Members pressed him on how the overspending occurred, whether the commission board would impose consequences, and whether statutory clarification is needed on the promotion fund limit and related spending rules.

Transcript Highlights:

• a plan review and a 40% discount for a plan review and a 40% discount for a third<00:27:54.640>
• Uh, so my question is this 40% discount.
• So, and then we discount that 40% hours.
• ,<00:32:10.480> provide and disciplinary program, provide and disciplinary program, provide
• And he goes party program.

Keywords: 1189, house, all

Transcript Highlights:

• Program Interim Committee.
• To fully implement the program.
• But what we found through those programs...
• Those programs have been very successful, but what we found through those programs is that peer supports
• So the program came to us, the federal government of... So the program came to us.

Bills: SB2401, SB2402, SB2403, SB2404

Keywords: SB 2401, North Dakota, Century Code, occupational therapy, occupational therapy board, criminal history record check, background check, licensee investigation, physician continuing education, medical license renewal, nutrition education, metabolic health, chronic disease prevention, health occupation boards, medical board, licensure fee, audit response, disciplinary action, Title 43, board of medicine

Summary: The Senate convened with prayer, roll call, and a quorum present, then took up second reading and final passage of several House bills related to the Rural Health Transformation Program and other matters. House Bill 1621, requiring the presidential fitness test in school physical education with exceptions and a delayed effective date, passed 43-3. House Bill 1623, appropriating federal rural health transformation grant funds and creating a related loan program and reporting structure, passed 46-0 after extensive debate about using the federal money for community health, infrastructure, and sustainability. House Bill 1622, joining the physician assistant licensure compact, also passed unanimously 46-0. House Bill 1625, authorizing the Ray Richards Golf Course land sale to support a Grand Forks transportation project and golf course improvements, passed 46-0. House Bill 1626, clarifying that the primary residence credit is applied after the early payment discount so taxpayers receive the full $1,600 benefit, passed 40-6.

Transcript Highlights:

• program.
• program.
• And again, I think those programs.
• together to to tighten federal programs. together to to tighten federal programs.
• . programs. programs.

Keywords: 958, all

Summary: The interim task force on disaster prevention and resiliency met for its fourth meeting and focused heavily on insurance markets, affordability, and mitigation. Cochairs noted they are working toward recommendations for a later fall meeting. The main presentation came from David Snyder of the American Property Casualty Insurance Association, who said the insurance industry sees itself as part of the problem and part of the solution because it ultimately pays for losses created by natural conditions, development choices, and construction practices. Snyder described rising losses from natural catastrophes, inflation-driven increases in rebuilding and repair costs, more development in disaster-prone areas, wildfire exposure, severe convective storms, hail, and roof damage. He argued that Kentucky should avoid the mistakes he attributed to California, where regulatory responses contributed to a strained insurance market and greater reliance on the FAIR Plan. He said Kentucky’s private market appears to be functioning better, with relatively few FAIR Plan policies, and urged lawmakers to preserve that market through risk-based rates and policies that do not worsen availability. He recommended a broad mitigation strategy involving stronger building codes, land-use decisions, stormwater infrastructure, public access to risk data, and incentives for resilient construction. He highlighted programs such as the Insurance Institute for Business and Home Safety, fortified-home standards, wildfire-prepared community practices, and examples from Alabama, Louisiana, and Florida showing that mitigation can produce quick returns and insurance discounts. He also suggested catastrophe savings accounts, flexible coverage options, and a whole-of-government approach that includes the insurance department, building-code agencies, first responders, FEMA, NFIP, and NOAA. In questions, a legislator asked about the prognosis if carriers continue exiting markets and if nothing is done to address affordability and accessibility. Snyder said he could not predict market exits but stressed that regulators should monitor the market closely, use available data, and focus on loss prevention and mitigation. He said insurers want to do business in Kentucky and that the long-term solution is coordinated action among public and private stakeholders to reduce risk and keep coverage available.

Transcript Highlights:

• program for only 40,000 students out of 700,000 students.
• House Bill 3980 creates the rule loans assistance program.
• President, are we doing a similar program for the defense attorneys? Thank you for the question.
• It could be immediately, or they might do a payment program.
• President, are we incentivizing young people to go into debt with this program?

Bills: SJR50, SJR51, SJR52, SJR53, SJR54, SJR39, SB1290, HB4028, HB4029, HB4073, HB4074, HB4075, HB4076, HB4077, HB4078, HB1250, HB2951, HB2961, HB3151, HB3581, HB3705, HB3970, HB3972, HB3980, HB3981

Keywords: Medicaid, federal funding, state law, healthcare, low-income adults, Oklahoma Constitution, healthcare regulations, Oklahoma Health Care Authority, permanent rules, joint resolution, OHCA, health care rules, administrative rules, major rule, Title 75, Title 317, Oklahoma Administrative Code, OAC 317:30, health policy, state health programs

Transcript Highlights:

• All programs are offered statewide.
• Our programs have a profound impact.
• As we all know, the Home Feeds Nevada Program, Agriculture Food Purchase Program, was established with
• Similar to the Governor's STEM Recognition Program, the Civic School of Excellence Recognition Program
• part of the program.

Bills: AB568, SB90, SB133, SB147, SB229, SB233, SB240, SB245, SB280, SB378, SB393, SB417, SB434, SB494, SB495

Keywords: higher education, Nevada System of Higher Education, operational expenses, instructional expenses, public funding, education funding, teacher grants, classroom supplies, instructional support, specialized personnel, civics education, Nevada Center for Civic Engagement, funding, youth programs, civic involvement, Southern Nevada, Clark County, Las Vegas Valley, regional planning, economic resiliency

Transcript Highlights:

• college, real estate trade association, legal association, or an approved continuing legal education program

Bills: SB1331, SB1375, SB1443, SB1578, SB2251, SB2519, SB2553, SB2655, SB2764, SB2907, SB3030, SB3033, SB3035, SB3036, SB3037, SB3043, SB3047, SB3050, SB3051, SB3056, SB3057, SB3063, HB9, HB467, HB331, HB1244, HB1399, HB2559, HB2730, HB3307, HJR1, HJR99, SB3048, SB3052, SB3053, SJR78, HB1327, HB2723

Keywords: civil service, firefighters, police officers, municipalities, local government, repeal, voter petition, health care, provider participation, continuation programs, population-based regulation, health care provider participation, Medicaid, hospital funding, voluntary compliance, mandatory payments, public health, healthcare program, county participation, nonpublic hospitals

Summary: The Senate Committee on Local Government heard several bills, most of them left pending after brief public testimony. House Bill 331, by Rep. Patterson and sponsored by Sen. Hinojosa, would create a presumption that firefighters, police officers, and EMTs who suffer a heart attack or stroke within eight hours after a strenuous shift were injured in the line of duty for workers’ compensation purposes; testimony from a firefighters’ association supported the bill, and it was left pending. Senate Bill 2655, by Sen. Flores, would authorize Burnet County to establish a local provider participation fund to help support local hospital services; a hospital administrator testified in support, and the committee substitute was left pending. Senate Bill 1443, by Sen. Hughes, would extend the Northeast Healthcare Provider Participation District in three counties, and House Bill 3307, by Rep. Noble, would allow property tax arbitrators to complete required continuing education online; both were left pending without opposition. Senate Bill 3048, by Sen. Birdwell, would create the Bluebonnet Hills Municipal Management District in Midlothian and was also left pending. The committee then took up House Bill 9 and HJR 1, sponsored by Sen. Bettencourt, which would raise the business personal property tax exemption from $2,500 to $125,000 and place the constitutional amendment on the November 4, 2025 ballot. Business groups, realtors, and taxpayers’ advocates testified in strong support, saying the change would provide meaningful relief to small businesses and help balance earlier homeowner tax relief. The City of Fort Worth testified in opposition, warning of a revenue shift to homeowners and budget impacts, but the committee adopted the committee substitutes and reported both measures to the full Senate on 6-0 votes. The committee also heard House Bill 1399 and HJR 99, by Sen. Nichols, to exempt animal feed from property tax when it is already sales-tax exempt; no one testified against them, and both were left pending. Senate Bill 2553, by Sen. West, would let owners of historic archaeological sites protest land and structure appraisals separately, and it was left pending after supportive testimony. Senate Bill 2907 and SJR 78, also by Sen. West, would exempt certain perishable inventory, including food and some prescription drugs, from property tax if approved by voters; pharmacists, business groups, a researcher, and a coalition of retailers and food/medicine advocates supported the bill, and it was left pending. Finally, Senate Bill 1331, by Sen. Hancock and explained by Sen. Middleton, would lower the population threshold for certain municipal civil-service-related petition restrictions from 950,000 to 70,000; law enforcement representatives and a San Marcos police association supported it, and it was left pending. The committee then recessed until 15 to 30 minutes after adjournment.

Transcript Highlights:

• This is simply an extension of the existing program for another two years, and I thank you for your consideration
• light rail project of Project Connect and oversee all of the other projects as well included in that program
• which are subsequently distributed back to hospitals through various Medicaid supplemental payment programs
• which are subsequently distributed back to hospitals through various Medicaid supplemental payment program
• programs when a back to hospitals through various Medicaid supplemental payment programs.

Bills: SB1331, SB1375, SB1443, SB1578, SB2251, SB2519, SB2553, SB2655, SB2764, SB2907, SB3030, SB3033, SB3035, SB3036, SB3037, SB3043, SB3047, SB3050, SB3051, SB3056, SB3057, SB3063, HB9, HB467, HB331, HB 1244, HB1399, HB2559, HB2730, HB3307, HJR1, HJR99, SB3048, SB3052, SB3053, SJR78, HB1327, HB2723

Keywords: civil service, firefighters, police officers, municipalities, local government, repeal, voter petition, health care, provider participation, continuation programs, population-based regulation, health care provider participation, Medicaid, hospital funding, voluntary compliance, mandatory payments, public health, healthcare program, county participation, nonpublic hospitals

Summary: The Committee on Local Government heard a series of local bills and public testimony focused on hospital districts, municipal management districts, local provider participation funds, manufactured housing, transit financing, development moratoriums, and property tax procedures. Early items included House Bill 467, which would help dissolve the defunct Maybank Kemp Hospital District and establish an Andrew Gibbs Memorial Nursing Endowment, and Senate Bill 3063, creating the Bio Bell Municipal Management District in Liberty County; both drew no public opposition and were left pending subject to call. The committee also heard House Bill 1327, extending the Harris County local provider participation fund through 2027, and Senate Bill 1375, extending Collin County’s LPPF authority, both presented as mechanisms to draw federal Medicaid matching funds for hospitals. A major portion of the meeting centered on Senate Bill 2764, which would require earlier notice to buyers of manufactured homes about how to convert a home from personal property to real property. Senator Cook described the bill as a consumer-information measure tied to displacement concerns at a mobile home park in her district, and a resident testified in support, saying the notice would help families make informed decisions. The committee also discussed Senate Bill 2519, a bill by Senator Bettencourt aimed at preventing local governments from shifting maintenance-and-operations tax revenue into debt-like uses and from changing the purpose of tax rate elections after voters approve them. Supporters argued it would protect taxpayers and preserve the separation between M&O and debt service, while opponents tied the bill to Austin’s Project Connect transit financing and warned it would disrupt an approved project and invite litigation. The committee heard and left pending several other bills, including House Bill 1244 on agricultural land ownership changes without reapplying for an ag exemption, House Bill 2559 on development moratoriums, and Senate Bill 2063 on unequal appraisal protests. Testimony on House Bill 2559 came from developers and builders who said moratoriums in Conroe had delayed projects and harmed buyers, while supporters of the bill said it would impose clearer limits and notice requirements. On Senate Bill 2063, the sponsor explained a committee substitute narrowing how market value evidence may be used in unequal appraisal appeals. The committee also considered multiple local district bills, including new MUDs and management districts in Montgomery, Denton, Fannin, Travis, Hays, and Williamson counties. At the end of the meeting, the committee took up pending business and voted out several measures, including House Bill 1244, House Bill 2559, House Bill 467, House Bill 1327, House Bill 1399, House Bill 2723, House Bill 2730, House Bill 3307, House Joint Resolution 99, and multiple district bills such as Senate Bills 3037, 3043, 3047, 3048, 3050, 3052, 3053, 3056, 3057, 3063, and others. Most were reported favorably, often with committee substitutes, and many were recommended for the local and uncontested calendar. Several bills, including the transit-related SB 2519 and the manufactured housing bill SB 2764, remained pending subject to call after testimony closed.

Transcript Highlights:

• that the program was more functional.
• <00:02:49.440> was meant to make sure that the program was meant to make sure that the program
• program based on credible allegations program based on credible allegations nothing<00:06:10.800>
• programs back to the general fund. programs back to the general fund.
• to<00:15:26.079> take programs without decent programs to take programs without decent

Keywords: 919, house, all

Summary: The committee took up House File 3379, a technical bill dealing with the housing stabilization supports program in human services. The bill’s author explained that the program had been terminated at the state’s request and approved by CMS, and the bill would remove it from statute so the legislature would have a role if the program is later brought back. The discussion quickly broadened into a debate over legislative versus executive authority in Medicaid and human services programs, with members arguing about whether the department should be able to terminate or redesign programs without legislative approval and how to protect vulnerable participants. Members discussed three amendments. The A1 amendment sought to require 30-day public comment periods for Medicaid waiver and state plan changes, require publication of comment text online, and prohibit the commissioner from terminating legislatively enacted Medicaid waivers or benefits or requesting federal assistance to do so without legislative involvement. The A3 amendment was offered as a modification to A1 to address concerns about requiring the legislature to be called back in during the interim; however, after debate over whether the amendment would give the commissioner too much authority and whether it could affect existing fraud-sanction procedures under section 256B.064, A1 was withdrawn and A3 was also set aside. A2, described as a technical cleanup amendment from nonpartisan staff, was then adopted. The committee then voted on the bill as amended. The motion to re-refer House File 3379 to the General Register passed on a voice vote, and the bill was recommended to be placed on the General Register. Throughout the discussion, members emphasized different priorities: some stressed oversight, public input, and legislative control over program changes, while others argued the department needed flexibility to address fraud and protect services for seniors, people with disabilities, and other vulnerable residents.

Transcript Highlights:

• an overview of that program.
• Remember, I said the program was Re re funded in May of 22.
• We've go through the program.
• So what is the program doing to mitigate?
• There was a top what they call that item program back then.

Transcript Highlights:

• to commit to the program of the pilot<00:12:39.120> program.
• produced under the 20H-38 program? produced under the 20H-38 program?
• be a mandatory program?
• be a mandatory program?
• I think the concern is that >> Will this new program be a mandatory program?

Bills: SB2060, SB2063, SB2062, SB2069, SB2070

Keywords: rental housing revolving fund, HHFDC, Hawaii Housing Finance and Development Corporation, mixed-income housing, mixed-income rental project, affordable housing, low-income housing, housing finance, housing development, preservation, rehabilitation, pre-development, construction financing, equity investment, credit enhancement, collateral, gap financing, area median income, AMI, perpetual affordability

Summary: The committee heard five housing measures, with the chair announcing that SB 2060, SB 2063, SB 2062, and SB 2069 were works in progress and that decision-making would be deferred to February 3. SB 2060 would allow HHFDC, with Finance approval, to transfer money within the rental housing revolving fund and its subaccounts without further legislative authorization, including a transfer to the mixed-income subaccount for FY 2026-2027. HHFDC and other supporters said the change would give the agency more flexibility to move projects forward, while Catholic Charities Hawaii and a testifier from Roars and Cares supported the bill but warned that shifting money away from lower-income housing could weaken efforts to serve households under 80% of area median income and people at risk of homelessness. HHFDC said the fund’s uncommitted balance was about $100 million and that demand exceeded available resources. SB 2063 would revise the mixed-income subaccount by changing project priorities, adding new criteria, allowing transfers within the subaccount without legislative approval, and directing conveyance tax revenues into the subaccount. HHFDC, OPSD, LURF, Hawaii Appleseed, Housing Hawaii’s Future, Stanford Carr Development, and Roars and Cares supported the measure, while Catholic Charities urged the committee to keep rental and for-sale housing policy separate and to use other mechanisms for homeownership. Catholic Charities said the rental housing revolving fund should remain focused on rentals, and that for-sale initiatives should be addressed separately. The chair indicated an intent to defer the bill for further edits. SB 2062 would make the dwelling unit revolving fund equity pilot a permanent HHFDC program, allowing the agency to buy equity in for-sale developments to lower initial purchase prices and require repayment through shared appreciation. HHFDC said the pilot had been successful, with 83 units committed and $7.6 million of the $10 million program cap already committed, and said permanence would let the agency pair the program with DERF loans earlier in project financing. The chair said SB 2069 would be used as the vehicle for amendments to the DERF equity program and related changes. SB 2069 would authorize HHFDC to use existing dwelling unit revolving fund balances for the equity pilot; it drew support from HHFDC and several housing organizations. SB 2070 would create a permanently affordable for-sale housing program by replacing the current 10-year buyback restriction with a resale price cap tied to an appreciation index, which HHFDC said would preserve affordability while allowing owners to build equity. In questioning, senators pressed HHFDC on whether the bill was necessary, whether it would remove first-time homebuyer and other ownership restrictions, and whether the new program was truly “permanently affordable” if not tied to AMI. HHFDC said the current statutory restrictions limit flexibility, that the proposal would expand access to local residents, and that the price cap would be based on about 4.5% annual appreciation. Supporters said the approach would help buyers move up the housing ladder, while some senators expressed concern that it could open the program to owners of multiple properties and that the committee should see sales-velocity data on existing restricted units before proceeding.

Transcript Highlights:

• We'll see what's working in this program. We'll see what's not working in this program.
• The purpose and benefit of the program, the problems or needs the program will address, other possible
• solutions, methods to evaluate the program, and budget details, as well as, if it's a pilot program,
• And are we expanding a program here?
• And are we expanding a program here?

Keywords: 908, all

Summary: The committee opened with roll call and a review of special-session procedure: bills would be heard in filing order, with related school-lunch bills grouped together, and any bill advancing would require a motion, second, and majority vote to be introduced. Members also discussed that the committee was functioning much like a delayed-bills committee, with final referral to either Appropriations or Policy depending on the bill’s fiscal impact. The first major proposal was Senator Schibley’s bill to create a narrow, statewide Bank of North Dakota bridge-loan program for struggling nonprofit medical facilities, prompted by Jacobson Memorial Hospital’s financial crisis. He argued the hospital and surrounding EMS services could close without short-term help, while committee members questioned the added language, the population cap, the $10 million fund with $5 million per applicant limit, and whether the program could open the door to future requests. Representative Headland then presented two cleanup bills from the prior property-tax session: one to fix notice and tax-certification issues for local taxing districts, and another to correct how the primary residence credit is applied so taxpayers receive the full benefit rather than counties retaining part of the reimbursement. Members asked about township hearing timing, the estimated $10–15 million annual impact, and whether the credit issue could be fixed retroactively; Headland said the bill was intended to correct the problem going forward. Three school-lunch bills drew extensive discussion. Representative Vetter proposed a small administrative appropriation to add an FTE to help eligible families enroll in the existing free/reduced lunch program, saying the goal was to ensure needy children are signed up and that the state should not subsidize meals for wealthy families. Representative Nathe offered a broader bill mirroring the pending initiated measure but placing the program in statute instead of the Constitution, moving implementation up a year, and funding it with a one-time $65 million from the strategic investment fund; he said this would preserve legislative flexibility and avoid constitutional entrenchment. Representative Dressler proposed raising the state-funded eligibility threshold from 225% to 300% of poverty, arguing it would expand access while still preserving federal reimbursements and encouraging better enrollment systems. Members debated costs, future budget pressure, whether the bills set a precedent for responding to ballot measures, and whether the program should include breakfast and other operational details. Other proposals included Senator Powers’ bill to create a hyperbaric oxygen board and support rural access to hyperbaric chambers for wounds, concussions, PTSD, and other conditions; Representative Tolman’s reporting-requirements bill to force new or expanded programs to justify purpose, alternatives, evaluation methods, and full implementation costs; Representative Frelich’s bill addressing the ongoing redistricting litigation and what happens if the Supreme Court or lower courts alter the current map; and a bill requested by the Public Service Commission and ITD for FERC litigation support and ADA website/document compliance. The committee also heard a rural-health eligibility bill from Representative Twait aimed at steering federal rural health dollars toward rural providers, with questions focused on whether the mileage limits would exclude some communities. One Holocaust education item was deferred until the sponsor could be located.

Transcript Highlights:

• It is an amazing and incredibly successful program. ...an amazing and incredibly successful program that
• The urgency of this program has increased due to the federal saver's match program that could add an
• Such programs are effective.
• By creating the Massachusetts Secure Choice Savings Program, such programs are effective.
• with the program experience.

Keywords: 995, all

Summary: The Joint Committee on Financial Services heard testimony on several bills focused on financial security, banking regulation, and payment-card fees. Treasurer Deborah Goldberg supported the Massachusetts baby bonds proposal (H. 48) and also endorsed bills on matched savings (H. 1158/S. 737) and retirement planning/Secure Choice (H. 1143/S. 722), arguing these measures would help address wealth inequality, build assets, and improve retirement readiness. Supporters of baby bonds included policy experts and health advocates from Children’s Health Watch and Boston Medical Center, who said early-life asset building could improve long-term economic and health outcomes for children in low-income families. AARP also urged passage of the retirement planning bill, citing the large share of private-sector workers without access to an employer retirement plan. Representative Donato testified for H. 1143, describing it as a voluntary retirement-savings opportunity for workers at small employers. The committee also heard testimony on H. 3933, concerning the Massachusetts Credit Union Share Insurance Corporation, from former Bank Commissioner Mike Hanson, who defended the state’s full deposit insurance system for credit unions and savings institutions as a longstanding consumer-protection model. The Massachusetts Bankers Association raised concerns about the bill’s technical provisions and broader credit union/bank competitive issues, while the Cooperative Credit Union Association supported related legislation allowing modest compensation for credit union directors (S. 821/H. 1338) and flexibility for state financial institutions to grow through partnerships (S. 723). Bankers opposed those credit union bills, arguing they would upset a level playing field and blur long-standing distinctions between banks and credit unions. A major portion of the hearing focused on H. 1259/S. 688, which would prohibit card interchange fees on the tax and gratuity portions of restaurant transactions. Restaurant owners and the Massachusetts Restaurant Association testified in favor, saying the fees are a significant and growing expense, especially as most customers now pay by card; they argued the bills would save restaurants money without affecting state revenue. Credit union, banking, and payments-industry representatives opposed the bills, saying interchange helps fund fraud protection and payment infrastructure, that the proposal would create compliance burdens and likely litigation, and that it would mainly affect Massachusetts-chartered institutions while national banks could be preempted. Committee members noted that a commission on payment-card fees is being established and said the issue would be studied further. The hearing also included support for a separate bill on virtual credit cards for dental providers, with dentists saying automatic virtual-card payments impose hidden processing fees and fraud risks.