Bills: SB44 , SB546 , SB1213 , SB1256 , SB1287 , SB1443 , SB1644 , SB1653 , SB1716 , SB1209 , SB1826 , SB1919 , SB1930 , SB1976 , SB2028 , SB2067 , SB2072 , SB2117 , SB710 , SB1477 , SB1405

Keywords: sales tax exemption, nonprofit organizations, contractors, charitable purposes, state law, SB1213, earned credits, inmate credits, good time, sentence reduction, Department of Corrections, DOC, prison reform, corrections policy, inmate classification, class levels, rehabilitation credits, achievement credits, vocational training, educational credits

Transcript Highlights:

• The other one is making it a non-last-dollar scholarship, is setting it up to go to the cap, which means
• would say that the other one is making it a non-last-dollar scholarship, is setting it up to go to the cap

Bills: SB79 , HB379 , SB253 , HB278 , HB438 , HB233 , SB79 , HB379 , SB253 , HB278 , HB438 , HB233

Committee: House Ways and Means Education

Keywords: sex-based terminology, gender identity, male, female, man, woman, boy, girl, single-sex spaces, women's rights, privacy, safety, fairness, anti-discrimination, vital statistics, birth certificate, intersex, DSD, differences in sex development, transgender

Bills: SB2 , SB3 , SB5 , SB9 , SB10 , SB14 , SB16 , SB34 , SB18 , SB 2 , SB 3 , SB 5 , SB 9 , SB 10 , SB 14 , SB 16 , SB 18 , SB 34 , SB2 , SB3 , SB5 , SB9 , SB10 , SB14 , SB16 , SB18 , SB34

Committee: Senate Finance

Keywords: flooding, public safety, outdoor warning sirens, disaster preparedness, emergency response, flood warning, outdoor sirens, local government, safety measures, flood management, emergency preparedness, municipal safety, disaster response, disaster relief, emergency funding, Meteorological forecasting, local government assistance, training facilities, hemp regulation, consumable products

Transcript Highlights:

• It requires the utilities to cover the reasonable cost of these services with a cap of 1.5 million annually

Bills: HB45 , HB45 , HB755 , HB 1232 , HB1555 , HB2460 , HB2702 , HB2973 , HB3120 , HB3225 , HB3314 , HB3356 , HB3371 , HB3634 , HB3638 , HB4247 , HB4283 , HB4290 , HB4302 , HB4503 , HB4511 , HB4565 , HB4581 , HB4627 , HB4632 , HB4660 , HB4668 , HB4960 , HB5042

Committee: House State Affairs

Keywords: flooding, disaster response, emergency preparedness, state guidance, public safety, housing, affordable housing, rent control, landlord-tenant laws, housing rights, lobbying, public entities, expenditures, government code, transparency, Texas Ethics Commission, government regulation, lobbying restrictions, government accountability, taxpayer money

Transcript Highlights:

• the legislature over the past two sessions to deal with the imposed costs of wind and solar, the capping
• I think underneath it, the FAA's rules that 500 hours are the cap still remain.
• It defines what a mass text message campaign is and increases the civil penalty cap from $4,000 to $10,000
• recover $35 million in tree trimming costs, only to face pushback, suggesting recovery should be capped
• Tend to be... so this is specifying a kind of foaming cap isolation building strategy.

Bills: HB45 , HB755 , HB 1232 , HB1555 , HB2460 , HB2702 , HB2973 , HB3120 , HB3225 , HB3314 , HB3356 , HB3371 , HB3634 , HB3638 , HB4247 , HB4283 , HB4290 , HB4302 , HB4503 , HB4511 , HB4565 , HB4581 , HB4627 , HB4632 , HB4660 , HB4668 , HB4960 , HB5042 , HB45

Committee: House State Affairs

Keywords: housing, affordable housing, rent control, landlord-tenant laws, housing rights, lobbying, public entities, expenditures, government code, transparency, Texas Ethics Commission, government regulation, lobbying restrictions, government accountability, taxpayer money, HB 1232, whistleblower, whistleblower protection, public employee, retaliation

Transcript Highlights:

• So the ICCF is really built to increase modular adoption by developers and lenders.
• So more lenders, it makes it easier for lenders to lend against modular projects.
• So the ICCF is we really built it to increase modular adoption by developers and lenders.
• So more lenders, it makes it easier for lenders to lend against modular projects.
• So I'm not saying all the lenders are right.

Transcript Highlights:

• So the ICCF is really built to increase modular adoption by developers and lenders.
• So, for more lenders, it makes it easier for lenders to lend against modular projects.
• So more lenders, it makes it easier for lenders to lend against modular projects.
• So I'm not saying all the lenders are right.
• So all these things are designed to mitigate risks and make the lenders comfortable, but it is a...

Summary: The committee held its second hearing on housing construction innovation, focusing on factory-built and modular housing as a way to lower costs, speed delivery, and expand housing supply. The chair framed the effort as a search for practical innovation paired with land use, financing, and regulatory changes that could make housing more affordable for working families. Government witnesses from HCD, the Strategic Growth Council, and the tax credit and bond allocation agencies explained how factory-built housing is regulated, how California standards and third-party approvals work, and how state programs are trying to build regional demand and financing pipelines for modular production. Testimony from investors and developers emphasized both the promise and the risks of modular construction. JP Morgan Chase and the Housing Accelerator Fund described projects that achieved meaningful time and cost savings, but said lenders still see elevated risk because of manufacturer solvency, upfront deposits, transportation and installation issues, and the need for standardized designs and experienced teams. They urged more standardization, more local factories, better alignment between financing timelines and construction schedules, and state support such as backstops, top-loss capital, and scoring preferences in tax credit and bond programs. Several speakers noted that recent federal changes to the 4% tax credit program increased production capacity, but warned that without continued state investment the pipeline could face a future funding cliff. The workforce panel, including union contractors, factory supervisors, and labor representatives, said modular construction can support good jobs if it is paired with union labor, training, and fair standards. They described benefits for workers such as steadier schedules, less commuting, improved safety, and better work-life balance, while also stressing the need for wages, health coverage, retirement benefits, and apprenticeship opportunities. Union representatives supported a model that keeps both factory and on-site work unionized and said the industry could create more jobs overall if California builds more factories and develops a stable, long-term demand pipeline. No formal votes or actions were taken during the hearing.

Transcript Highlights:

• </c><04:45:37.120><c> and</c> between VSOs, veterans, the lenders and between VSOs, veterans, the lenders
• During that year, most lenders 2024.
• The lenders collect the interest profit from the loan, and if a foreclosure happens, the lenders are
• :39.920><c> profit</c><04:51:40.400><c> from</c> lenders collect the interest profit from lenders collect
• </c><04:52:02.958><c> to</c> VA then works with the lender to VA then works with the lender to guarantee

Bills: HR1286 , HR1263 , HB1578 , HR1364 , HB2201 , HB1823 , HB1815 , HR1147 , HR217 , HB1701 , HB1453 , HR1223

Keywords: trade policy, tariffs, trade enforcement, workers rights, labor standards, environmental standards, Buy America, domestic content, offshoring, manufacturing jobs, factory closures, family farmers, small business, supply chains, dumping, countervailing duties, antidumping, trade agreements, USMCA, investor-state dispute settlement

Transcript Highlights:

• These types of loans were offered by lenders sometimes to reduce the amount of cash needed for a down
• Lenders did not foreclose on these secondary loans because housing values had significantly dropped,
• modified into their first mortgages or that their obligation to pay was erased when the original lender
• Neither the original lender nor the new holder of the note made any attempt in bankruptcy.
• With their lender to modify both loans into an affordable payment to avoid foreclosure. Mrs.

Committee: Joint Joint Committee on the Judiciary

Summary: The Joint Committee on the Judiciary heard testimony on a wide range of bills, with much of the discussion focused on housing stability and maternal mental health. On H. 1924/S. 1171, supporters including Sen. Joan Lovely, Rep. Jim O’Day, physicians, advocates, and people with lived experience urged the committee to create legal protections and treatment pathways for defendants who experienced postpartum psychosis or other perinatal mood disorders within 12 months of giving birth. Testimony emphasized that these conditions are rare but severe, often treatable, and can lead to tragic outcomes if criminalized rather than addressed through screening, expert evaluation, treatment, and, in some cases, resentencing or mitigation. Committee members asked about diagnosis years after the fact and how the Illinois law has worked; witnesses said retrospective diagnosis is possible and that the Illinois model has led to some successful resentencing petitions and broader awareness. Housing-related bills drew substantial testimony. On H. 1983/S. 1071, witnesses described “zombie” subordinate mortgages that were sold years after borrowers believed they had been resolved, then resurfaced with large balances and foreclosure threats. Supporters said the bill would require disclosures and court review to prevent unlawful servicing and foreclosure practices. On H. 1952, advocates from the Massachusetts Law Reform Institute, tenants, and legal services providers backed a permanent statewide right to counsel in eviction cases, citing data showing strong tenant outcomes and the importance of quality control, multilingual outreach, and full representation. On H. 1895/S. 1184, testimony supported codifying a two-tier summary process in eviction court and prohibiting defaults at the initial case-management stage. On H. 1883, a small property owner supported rent escrow as a way to protect landlords from bad-faith nonpayment while preserving tenant rights. The committee also heard testimony on bills addressing discriminatory housing covenants, tenant oversight, and homelessness. On H. 1762/S. 1080, a housing advocate supported removing void restrictive covenants from deeds, describing the Dirty Deeds Project and the lingering harm of racist language in property records. On H. 1814, tenants and advocates described harassment, retaliation, security problems, and lack of accountability in subsidized housing, arguing for an Office of the Tenant Advocate within the Attorney General’s Office. On S. 1120, multiple witnesses supported a bill of rights for people experiencing homelessness, saying it would affirm the right to rest and seek shelter, reduce criminalization, and extend anti-discrimination protections. No votes or final actions were taken during the hearing; the committee primarily received testimony and questions on the bills.

Transcript Highlights:

• They're not required, they're not forced to, but they can have a conversation with the lender, consider
• And so, it's just costs and lender fees.
• ,</c><00:18:16.320><c> consider</c><00:18:16.760><c> various</c> with the lender, consider various with
• the lender, consider various options,<00:18:17.720><c> and</c><00:18:17.840><c> pick</c><00:18:18.000
• all for any lenders to be predatory or all for any lenders to be predatory or take<00:19:27.800><c> advantage

Summary: The program focused first on Minnesota’s energy and affordability agenda, with Senator Nick Frentz discussing the state’s clean-energy leadership, rising electricity demand, and the Senate’s 100% clean energy framework. He said Minnesota’s clean energy growth supports jobs, lowers costs for ratepayers, and includes recent wins such as sustainable aviation fuel tax treatment in the supplemental budget. Frentz also said the Senate passed an energy omnibus bill that continues clean-energy permitting reforms, promotes conservation and demand response, and includes a nuclear study rather than lifting the nuclear moratorium. Frentz spent much of the interview defending data centers as both a challenge and an opportunity. He said large hyperscale projects can create major construction jobs and substantial local property-tax revenue, while a 2025 law requires data-center companies to contribute to low-income energy assistance and report water use. He pointed to the Google data center planned for Pine Island as an example, saying it is air-cooled, will pay $5 million a year, and will fund 1,600 MW of clean energy at its own expense, which he argued could save Xcel ratepayers money over time. He also said climate change is already driving higher costs through homeowners insurance and storm damage. The second segment highlighted Senator Zach Duckworth’s housing and banking bills. Duckworth said Senate File 4168 would make it easier to finance investment properties by giving buyers more flexibility to roll closing costs and lender fees into payments, while keeping strong protections in place for primary residences. He emphasized that the bill is not about predatory lending and is intended to expand options for informed investors. He also described Senate File 4652 as an anti-fraud, no-cost measure that lets bank customers name a trusted contact so banks can alert someone if suspicious activity is detected. Duckworth said both bills passed unanimously in both chambers, and he credited quick action and good working relationships across the aisle for their success. The program closed with a broader reflection on the end of session and the Senate’s political climate. It noted that 15 senators are retiring and two are leaving for higher office, and that final floor votes often split along party lines, including one bill passing 34-33. Several retiring senators used farewell speeches to urge civility, compromise, and putting people first, while the segment emphasized that despite partisan conflict, quiet bipartisan cooperation still produced much of the session’s enacted legislation.

Transcript Highlights:

• And at the end of it, if a lender was to say, your inspections, your appraisals.
• Or if the lender was to say something like, get into this contract, go to the end, let's close on it.
• use that lender.
• And then that lender is not going to be used. They're not going to have a good reputation.
• They're going to go find a different lender, go find a different state, go find a different country to

Transcript Highlights:

• So our tool kits are designed to to work in various stages so well, there are a large cap company, Mid
• cap company that is mature or expanding.
• They just recently completed what they call their lender plant one expanding in there, what they call

Transcript Highlights:

• Mixing apparatus, and then puts the cap back on the jug, he can't hand that back down to me to put back
• She is an ag lender at a bank in west-central Minnesota and has been working with farmers since the new

Bills: HF2446

Committee: House Agriculture Finance and Policy

Transcript Highlights:

• loans<00:52:33.200><c> uh</c><00:52:33.440><c> currently</c><00:52:34.040><c> our</c><00:52:34.480><c> cap
• ><c> is</c><00:52:34.839><c> at</c><00:52:35.000><c> that</c><00:52:35.280><c> 5</c> Currently, our cap
• Yeah, so now we're doing a lot of part guarantees of loans for the smaller land lenders.
• 54:27.480><c> to</c><00:54:27.839><c> lend</c><00:54:28.200><c> up</c><00:54:28.559><c> bigger</c> lenders
• they want to lend up bigger lenders they want to lend up bigger amounts<00:54:29.400><c> so</c><00:54

Committee: Senate Agriculture and Environment

Summary: The committee heard testimony on HB 1294 HD2, which would create a workforce housing working group within the Department of Agriculture to address agricultural workforce housing shortages. The Department of Agriculture supported the bill’s intent but emphasized that the first step should be a study to determine actual housing demand, noting many farmers have very low incomes and may not be able to support housing costs. A DHHL representative said the department supports the measure as a first step but does not currently plan to expand housing on its agricultural lands; members also discussed the distinction between agricultural and pastoral leases and asked for follow-up information on lease numbers and ranchers growing feed. Testimony on HB 1294 was overwhelmingly supportive, with farm and farmers’ organizations saying housing is critical to sustaining agriculture and should be located near farm operations when possible. Members questioned how housing eligibility would be enforced and whether federal housing funds could be used. The committee reported 38 testimonies in support, none opposed, and two comments, then voted to pass HB 1294 HD2 with amendments, including a date defect to July 1, 2050; the motion carried with five in favor and the recommendations were adopted. The committee then took up HB 428 HD1, establishing the Hawaii Farm to Families Program to address food shortages and requiring reports before the 2026 regular session. The Department of Agriculture urged the bill’s continuation and appropriations, citing rescinded federal grant programs and a planned $1.1 million application to support food banks and kalo production. Food banks, the Hawaii Farm Bureau, the Hawaii Farmers Union, and other groups strongly supported the measure, describing rising demand for charitable food assistance, especially for fresh produce and protein, and noting that many families are struggling despite working multiple jobs. Witnesses also described school pantry and backpack programs, food rescue partnerships with retailers, and the need for more stable state support; one witness asked for at least $5 million in funding for farm families. Committee members asked about food insecurity levels, food safety, abuse of food assistance, and how the program would connect farmers with schools and food banks. Food bank representatives said they already work with DOE school pantry programs and inspect all donated food for safety, and they suggested a grant or escrow-style payment model could help farmers by reducing reimbursement delays. The transcript does not show a final vote on HB 428 before the excerpt ends.

Transcript Highlights:

• All right, this bill requires loan originators, mortgage brokers, mortgage lenders, and money services
• bill, and hopefully they get addressed in the future, is it seems like it's requiring the mortgage lenders
• to make sure that that's covered by the software development company, not necessarily the mortgage lender
• This bill has a lot of cybersecurity requirements for money service... organizations, mortgage lenders

Transcript Highlights:

• information from the investment grade analysis and those traffic projections, this is an amount that the lenders
• So that's really critical as that body of work is focused on what lenders understand that they could
• On your second slide, you listed paving equipment and the cost of the dump truck, cap, paper, and asphalt
• We should have at least the same kind of fiscal discipline and responsibility that our lenders are required

Summary: The committee first received an informational update on the Interstate Bridge Replacement Project from Carly Francis and Travis Brower. They described the project’s purpose as improving seismic resilience, safety, freight movement, transit, and bicycle/pedestrian access across the Columbia River, and said the updated cost estimate is $13.2 billion to $14.4 billion for the full corridor. They explained the increase from the 2022 estimate as driven by construction inflation, a more conservative inflation curve, schedule delays, more detailed engineering, and risk modeling. They also outlined the funding plan, including $2.1 billion in federal funds, $1 billion each from Oregon and Washington, and $1.5 billion in projected toll revenue, and said they are working to obligate federal funds by the end of September. The panel described a first funded phase that would include the bridge, highway connections, tolling infrastructure, bridge removal, and transit design, with light rail to Vancouver still intended but dependent on additional funding. Members questioned the risk of losing federal transit funds, whether bridge design decisions were being made with legislative input, and whether the space reserved for light rail could be used for buses if transit funding does not materialize. The committee then heard testimony on maintaining Oregon’s existing roads and bridges from representatives of Knife River, the Asphalt Pavement Association of Oregon, and CRH. Witnesses said pavement and bridge preservation is severely underfunded, with ODOT needing about $400 million per year for pavement preservation but receiving roughly $100 million annually. They showed examples of deteriorating highways such as U.S. 97 and I-84 and argued that delaying maintenance leads to much higher reconstruction costs, more safety risks, and higher user costs. Knife River described layoffs and reduced work in Oregon because of limited preservation funding, while witnesses also said rising wages, equipment costs, fuel, and permitting delays are increasing project costs. Committee members asked about the role of prevailing wage, diesel equipment, hauling distances, and whether preservation work could be prioritized more effectively. Finally, economist Joe Cortright presented on recent ODOT megaproject cost overruns. He said Oregon has experienced persistent overruns driven by overly optimistic revenue forecasts, heavy reliance on debt, consultant costs, inflation above forecast, and projects that have become much larger in scope than originally presented. He cited major increases in the Interstate Bridge, Rose Quarter, and Abernathy Bridge projects and argued that some designs are far wider and more expensive than necessary. Cortright said better accountability, clearer priorities, and more disciplined project sizing are needed, and committee members pressed him on why agencies proceed with larger designs even when consultants recommend narrower, less expensive alternatives.

Transcript Highlights:

• Since we are the lender, we need to make sure that they are adhered to and respected, as we are the owner
• in place that limit what each government entity can do, what the charter schools can do, what the lenders
• having multiple awards out of the $10 million would probably make sense, so they have the $5 million cap
• We have turned down three separate offers from private lenders over the years because the terms just

Committee: House New Mexico Finance Authority Oversight Committee

Transcript Highlights:

• The overlap between what we do and what you do relates to insurers and lenders and securities firms to
• The overlap between what we do and what you do relates to insurers and lenders and securities firms to
• Banking brings amazing capacity, unique capacity to a lender.
• A public bank would primarily serve by being a lender to these institutions, not a direct lender.
• Not a direct lender.

Committee: Joint Joint Committee on Financial Services

Summary: The committee held an informational opening hearing for the Financial Services Committee, with Chair Murphy and Senator Feeney introducing new and returning members and explaining that no bills were being heard that day beyond brief introductory testimony. Commissioner of Banks Mary Gallagher thanked the committee for last session’s money transmission modernization law, and several members echoed appreciation for her office’s work. The hearing then featured a long series of stakeholder introductions and overviews of their priorities for the session. Testimony covered a wide range of financial, insurance, housing, health care, and consumer issues. Banking and mortgage groups discussed housing affordability, foreclosure delinquencies, flood insurance, regulatory changes, and the impact of federal policy shifts. Insurance representatives raised concerns about auto and homeowners market pressures, labor rates, tariffs, rebates, e-titling, third-party litigation funding, and public adjuster restrictions. Consumer and advocacy groups highlighted debt collection reform, earned wage access, retirement savings access, public banking, and consumer protections in financial services. Several speakers also emphasized the need for committee expertise and offered themselves as resources for future bills. Health-related organizations focused on insurance mandates, prior authorization, behavioral health access, pharmacy benefit manager reform, community health center funding, maternal health and midwifery reimbursement, and anesthesia reimbursement parity. Other groups, including credit unions, retailers, auto dealers, dental and medical associations, and behavioral health providers, described their roles in the Commonwealth and previewed legislation or policy areas they expect to follow this session. No votes were taken; the meeting was informational and ended after testimony from the sign-up list and a few late additions.

Transcript Highlights:

• </c> and that would be tied to warfage capped and that would be tied to warfage capped at<00:58:48.160
• But what we do feel is the bigger issue was the capping at 5% over year one and year two.
• But what we do feel is the bigger issue was the capping at 5% over year one and year two.
• But what we do feel is the bigger issue was the capping at 5% over year one and year two.
• But what we do feel is the bigger issue was the capping at 5% over year one and year two.

Summary: The committee heard SB 2694 SD2, which would authorize the Public Utilities Commission to create automatic adjustment mechanisms for water carriers, including a water carrier inflationary cost index, and to waive certain requirements under the Hawaii Water Carrier Act. Testimony was sharply divided. The Department of Transportation, Young Brothers, and several shipping, harbor, labor, and business-related supporters argued the bill would modernize regulation, reduce the need for large catch-up rate cases, and help keep rates aligned with rising costs. Young Brothers said its current rate-setting process is expensive and delayed, and that annual adjustments with guardrails such as a 5% cap and periodic full reviews would support sustainable operations and the state’s supply chain. Some supporters also said the company’s less-than-container-load service and required inter-island routes create costs that are not fully covered by current rates. Opponents, including the Consumer Advocate, the Maui Chamber of Commerce, Hawaii Food Industry Association, restaurant and chamber groups, and other businesses, argued the bill would lead to higher costs for consumers and businesses and should not move forward. Several testified that shipping costs already significantly affect pricing and that automatic increases would worsen the cost of living. The Consumer Advocate said Young Brothers should focus on cost control and implementing its business plan rather than automatic rate increases. The Maui Chamber and others pointed to a recent PUC decision that imposed a two-year stay on rate increases and said the bill would undermine that protection. Some opponents urged the committee to defer to the PUC’s regulatory authority. The PUC explained that it regulates water carriers as public utilities under existing statute and said it had recently approved a temporary rate increase while imposing a two-year stayout period on further increases, with emergency relief still possible. PUC members said they were still examining whether they have authority to adopt the proposed WICI mechanism by rule and wanted legislative clarity. In response to questions, the PUC said it prefers the current two-year stayout as reflected in its order. Young Brothers also clarified that it serves less-than-container-load cargo, that some routes and services are cross-subsidized because they are not profitable, and that an independent observer is being put in place to monitor implementation of its updated business plan. The transcript ended with the committee still taking questions; no final vote or disposition on the bill was shown.

Transcript Highlights:

• And so if they want to make the rent cap 1% or even zero, they can do that.
• First and foremost, it takes that 5% rent cap and makes it 2%.
• First and foremost, it takes that 5% rent cap and it makes it 2%.
• Cap the rent at 5%. Hi, my name is Reverend Roy Huang.
• We have the shortages of housing and capping rent. Capping rent doesn't fix that.

Summary: The committee first heard AB 1157, the Affordable Rent Act, which would lower California’s annual rent cap, remove the single-family home exemption, and eliminate the sunset on existing tenant protections. The author and supporters argued that renters are facing severe affordability pressures, especially in single-family rentals, and that stronger statewide rent stabilization is needed to prevent displacement and homelessness. Opponents, including apartment, building, and property-owner groups, said the bill would discourage housing production, harm small landlords, and override a deal they said was intended to be temporary while the state focused on building more housing. Public testimony on AB 1157 was extensive, with many renters, tenant advocates, labor groups, and community organizations speaking in support, while many landlords, business groups, and property-owner representatives spoke in opposition. Committee members were split: some praised the bill as a necessary response to the rent crisis, while others warned it could reduce investment and worsen the housing shortage. The committee ultimately voted 7-5 to pass AB 1157 to the Assembly Judiciary Committee. The committee then approved the consent calendar, including AB 413, AB 1152, and AB 1275, on a 9-0 vote. It also heard ACA 3, which would require the University of California to make available a limited number of down payment loans for eligible long-term support staff who are first-time homebuyers. Supporters said the measure would help lower-wage UC workers afford homeownership and improve retention, while UC and other opponents argued the proposal was duplicative of existing state programs, unnecessary, and potentially harmful to UC finances. The discussion focused on financing mechanics and the relationship to CalHFA, but no final vote on ACA 3 was included in the portion provided.