Transcript Highlights:

• THERE ARE LOANS AND CRITERIA SET FOR JUST SOME OF THOSE ENUMERATED BY PROHIBITION IN YOUR BILL.
• Pizzo: IF THERE IS AN ENTIRE SECTION OF THE SMALL BUSINESS A MINISTRATION THAT SPEAKS TO LOANS, TRAINING
• COUNTY PROJECTS AND ECONOMIC ORDINANCE THAT GOES AHEAD AND HONORS THE SAME CRITERIA USED TO SECURE A LOAN
• RESIDENTS WOULD NOT BE ABLE TO UNVEIL THEMSELVES OF THE HELP AND SUPPORT FOR THE MILLIONS OF DOLLARS OF LOANS
• AND GOT ON THE MODIFICATIONS AS IT RELATES TO THE DEFINITIONS OF COMPATIBILITY WE WOULD ESSENTIALLY BE

Keywords: 999, senate, all

Transcript Highlights:

• Across 125 Massachusetts credit unions, we have issued over 7,700 business loans, totaling...
• Across 125 Massachusetts credit unions, we have issued over 7,700 business loans, totaling $4.1 billion
• , and in 2025 alone, almost one billion small business loans were originated.
• Now, the global payment system is essential to commerce, and any modification requires you to weigh the
• There is no bank issuing you credit, taking the risk of an unsecured loan.

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:

• And so we appreciate the modifications made to support water rights holders.
• It is relating to authorizing NMFA to make loans and grants for water projects through the Water Fund
• bill or version of this bill every year in front of you it is relating to authorizing NMFA to make loans
• So under the current law, the Finance Authority cannot make loans or grants from the...
• Under the current law, the Finance Authority cannot make loans or grants from the Water Project Fund

Keywords: 996, all

Transcript Highlights:

• loan funds.
• These revolving loan funds are administered by ADFA.
• loan funds.
• These revolving loan funds are administered by ADFA.
• The remaining federal findings did not result in an opinion modification.

Summary: The committee met to adopt prior minutes and reports from its executive and standing committees, including counties and municipalities, educational institutions, and state agencies. Those reports covered routine audit activity, delinquent private water and sewer audits, municipal accounting compliance issues, education audit findings, and several state agency audit items. The committee also reviewed and adopted the State of Arkansas annual comprehensive financial report for fiscal year 2025 and the related single audit report, both presented by Legislative Audit staff. The state financial report showed unmodified opinions on the state’s financial statements and described total assets of about $41.9 billion and liabilities of about $11.1 billion, along with retirement system assets of $39.9 billion and a net pension liability of $9 billion. Two material weaknesses were identified: insufficient internal controls at the Office of State Technology to monitor threats and unauthorized access, and a Division of Workforce Services methodology change for unemployment-related estimates that was not properly documented or approved. The single audit covered $12.4 billion in federal awards across 469 programs, with 16 major programs reviewed; it resulted in 33 findings, 14 with questioned costs totaling $16.6 million, and qualified opinions for the Summer EBT program, the Coronavirus Capital Projects Fund, and the Child Care Development Fund cluster. Members questioned agency officials in detail about the Summer EBT questioned costs, DHS unresolved findings, broadband grant documentation, cyber security controls, workers’ compensation liabilities, and child care funding and reporting. DHS explained that the Summer EBT issue involved drawing federal funds in advance rather than as benefits were redeemed, and said the process has been corrected. Broadband officials said the questioned $6.6 million reflected documentation-detail disagreements across many invoices rather than missing payments. OST officials described new logging, endpoint detection, and phishing-training efforts, and DFA and Education officials addressed specific audit findings and corrective actions. The committee ultimately moved to hold the two large statewide reports over until the August meeting for further review, with discussion continuing on whether to release some agency staff in the meantime.

Transcript Highlights:

• other comments, but I would like to comment about the five, the, uh, a priority for, um, having a loan
• <00:25:51.159> of uh a priority for um having a loan of uh a priority for um having a loan
• alteration of the prioritization, which include, um, you know, perpetual affordability and shorter loan
• alteration of the prioritization, which include, um, you know, perpetual affordability and shorter loan
• Perpetual affordability and shorter loan Perpetual affordability and shorter loan terms<00:29:57.279

Keywords: 910, house, all

Summary: The committee heard testimony on several housing-related measures. SB 38 SD2 drew mixed testimony on changes to 21H projects, with HHFDC supporting and county and community groups split between support and opposition. In discussion, members focused on how county legislative bodies can alter projects in ways that increase costs, including changes to AMI mixes and fee waivers. The committee later recommended passage with amendments, limiting county changes that would impose stricter conditions than HHFDC, stricter AMI requirements, or reduced fee waivers; the motion passed with one member voting with reservations and two members excused. A major portion of the hearing focused on SB 71 SD2, which would revise the rental housing revolving fund. Catholic Charities Hawaiʻi, Hawaiʻi YIMBY, and NAAP Hawaiʻi opposed the bill, arguing it would weaken support for deeply affordable units, eliminate the 5% set-aside for households at or below 30% AMI, and create a funding gap for households between 60% and 120% AMI. Supporters of the bill, including public housing and some development interests, emphasized the need to redirect funding and make the program more flexible. In decision-making, the committee described the bill as making comprehensive changes that would narrow Tier 2 toward higher-income projects and favor shorter loan terms, then moved it out with amendments. The committee also heard and advanced several other measures with little or no opposition: SB 40 SD2 on state finances, SB 378 on HHFDC, SB 572 SD1 on housing, SB 1229 ST2 on the dwelling unit revolving fund, and SB 602 on the Hawaiʻi Public Housing Authority all received support testimony and were moved forward. For SB 65 SD2, HPHA and other agencies supported the measure, and HPHA testified it sought roughly $8 million to $10 million for repair and maintenance of units not covered by CIP funds. The committee also took up SB 826 SD1 on the low-income housing tax credit, where HHFDC, the Tax Foundation, and DHHL expressed confusion over the bill’s intent and whether it would bar state agencies from using LIHTC financing; no action was taken on that item in the excerpt. SB 944 SD2 on LIHTC transferability drew support and a suggestion to keep clarifying language that notifies the tax department, and the committee indicated it would keep the provision in.

Transcript Highlights:

• So you have some loan programs. You have research assistants that's done through OCAST.
• There was no modification.

Keywords: 914, all

Transcript Highlights:

• thing that was really important is that we wanted to make clear that if you also qualify for federal loans
• really, is to minimize, if not eliminate, any opportunity that a student would be required to take a loan
• There were some other proposals to make modifications to the Native American fee waiver that were a cause

Bills: AB328, AB397

Keywords: Juneteenth, education, economic commission, cultural affairs, racial healing, policy recommendations, African-American studies, higher education, fee waivers, Native American students, unaccompanied youth, academic progress, Nevada System of Higher Education, 909, all

Transcript Highlights:

• By the way, there's a small business loan.
• And even though you're not a small business as an individual, you qualify for a loan in explaining that
• The other side of that is if it is eligible work, but there is any modification, you may get that initial

Summary: The committee received a program review from the Florida Division of Emergency Management on the 2024 hurricane season and FEMA reimbursement process. Deputy Director Keith Pruitt described the impacts of Hurricanes Debby, Helene, and Milton, including major storm surge, flooding, tornadoes, debris removal, power restoration, flood-control deployments, sheltering, and logistics missions. He emphasized that Florida’s approach is “federally funded, state managed, locally executed,” and said the division has already obligated large amounts of public assistance funding and mitigation dollars while continuing to work on remaining missions and reimbursements. A major focus of the discussion was how local governments can better document and vet debris-removal and other disaster costs so they are eligible for FEMA reimbursement. Chair DiCeglie and other senators raised concerns about local planning, commercial debris collection, and whether counties and municipalities that spend money up front will be reimbursed. Pruitt explained that eligibility depends on documentation, scope of work, insurance, and FEMA rules, and that the state’s FROC process is intended to help counties identify eligible work before costs are incurred. He also said commercial debris may be eligible in some cases but is not guaranteed, and that counties should coordinate early with FDEM and FEMA. Senators also asked about possible FEMA reforms, the age of outstanding reimbursement claims, and a proposed state fund to advance money to fiscally constrained counties while they wait for FEMA payments. Pruitt said Florida’s system is a national best practice, but that more county-level training and clearer coordination would help reduce de-obligations and audit problems. He said the reimbursement-advance idea is still being developed, and that the state continues to look at ways to streamline mitigation through programs like Elevate Florida. The committee took no formal action beyond hearing the presentation, and the meeting adjourned after closing comments from senators praising FDEM’s work.

Transcript Highlights:

• I'm asking you to prove this, and if need be, modifications to my friend Steve Wolf.
• That modification to the statute, which will allow us to fine people, went into effect on January 1st
• <03:15:24.880> to<03:15:25.120> the last year that modification to the last year that
• c> forgiveness<04:17:44.439> from<04:17:44.600> the<04:17:44.720> federal loan
• forgiveness from the federal loan forgiveness from the federal government<04:17:45.399> that<

Keywords: 928, house, all

Summary: The committee heard testimony on HB 332, a bill to add protection and remediation of surface waters as a new authorized purpose for New Hampshire village districts. Prime sponsor Rep. Rosemary Rung said the bill is intended to give local voters in lake communities a voluntary tool to address cyanobacteria blooms and other water-quality problems through village districts, including the ability to raise revenue, adopt ordinances, and pursue treatments or watershed management measures. She emphasized that the proposal is meant to complement, not replace, state law and that any district action would still need to comply with existing permitting and environmental requirements. Supporters, including Andrea Laro of New Hampshire Lakes and Elizabeth Harper of the Lake Sunapee Protective Association, said the bill would help municipalities collaborate on lake protection when state resources are limited. They argued that local districts could bring subject-matter expertise, access grants and technical assistance, and respond more quickly to problems such as septic impacts, runoff, culvert repairs, and in-lake treatments. They also suggested clarifying the bill’s wording around “protection and remediation” to better define the scope of authorized activities. Opponents, including Steve Wolf and Chris Norwood of the New Hampshire Association of Realtors, argued that village districts can already be overly broad and sometimes expand beyond their original purposes. Wolf said existing town and state agencies already handle shoreline protection and warned that village districts can impose ongoing taxes and create governance problems. Norwood urged a study bill instead, citing concerns about the scope of village districts and examples where some districts have taken on planning and zoning powers beyond their original mission. No vote or final action on HB 332 was taken in the excerpt.

Transcript Highlights:

• <00:36:29.079> they typically doesn't hold those loans they typically doesn't hold those loans
• the Savings and Loan Christ of the the the 1980s<00:37:16.960> uh<00:37:17.160> that<00
• <00:42:28.400> is lending money on this and that loan is lending money on this and that loan
• <00:43:07.920> or value that they needed for the loan or value that they needed for the loan
• if necessary to the doing a modification if necessary to the uh<01:14:21.880> Commerce<01:14:

Bills: HF2335, HF2400, HF2401, HF2522

Keywords: Medicare, health insurance, supplement policies, preexisting conditions, medical assistance, premium classification, real estate, appraisers, disciplinary actions, sanction matrix, Minnesota Statutes, continuing education, out-of-state, licensing, commerce, fraud prevention, automobile theft, law enforcement, insurance crimes, 1183

Transcript Highlights:

• The modification of the tax credit program... corporation serving 30 counties and over corporation serving
• The proposed modifications are supported.
• as well as the removal of modifications as well as the removal of the<01:22:59.840> sunset<01
• 01:47:03.840> with<01:47:04.239> small<01:47:04.480> business<01:47:04.800> loans
• cities along with small business loans cities along with small business loans and<01:47:05.280><

Keywords: 1187, senate, all

Transcript Highlights:

• The first modification would be to provide guidance for what monies should be considered for transfer
• And then the second modification would be for the Legislature to require that the Joint Legislative Budget
• hourly rates in our system, which hasn't kept pace with inflation, the cost of living, or student loan
• hourly rates in our system, which hasn't kept pace with inflation, the cost of living, or student loan
• complicated work, and two is that it was going to be very hard to hang on long term to make student loan

Summary: The committee heard extensive testimony on Proposition 36 and its implementation, with judicial and budget officials describing it as a major shift from misdemeanor to felony processing for repeat drug possession and certain theft offenses. Witnesses explained that the law creates a treatment-mandated felony process that can lead to dismissal if a defendant completes treatment, but also requires evaluations, court monitoring, and potentially long, open-ended supervision. Judicial representatives said the new law is already generating large numbers of filings, creating workload, staffing, courtroom, and facility pressures, and that access to treatment beds, housing, and evaluation capacity is limiting participation. Several speakers emphasized that collaborative courts are effective but are not a perfect fit for Prop. 36 because those programs are typically probation-based and serve different risk/need populations. Court officials from San Bernardino and Orange counties said the impacts vary by county but are severe, with some counties seeing hundreds or more filings in a short period and others moving more slowly to build treatment infrastructure first. They argued that Prop. 36 is effectively an unfunded mandate unless the state provides more resources for judges, staff, facilities, treatment, housing, and supervision. The Legislative Analyst’s Office noted that Prop. 36 will reduce the Proposition 47 savings that fund mental health and substance use treatment grants, but said the near-term reduction is relatively modest and that the full effect will take time to appear because of the way those savings are calculated. Members of the committee repeatedly raised concerns that the state is underfunding the courts and counties needed to carry out the new law. The committee also reviewed the Governor’s proposed trial court operations budget, including a partial restoration of a prior $97 million cut and additional ongoing funding. Judicial branch officials said the restoration helped avoid furloughs, hiring freezes, and service reductions, and supported cybersecurity, technology, staffing, and records management. The LAO recommended that the Legislature seek more detail on how midyear restorations are handled and consider clarifying language for transferring unspent trial court trust fund monies to the General Fund. Finance said the flexibility in the ongoing funding was intentional and would be taken back for consideration. In a separate item, the committee heard testimony on a $6.3 million increase for Supreme Court and Courts of Appeal appointed counsel programs. Judicial officials and appellate project representatives said the system is facing a crisis because indigent appeals have risen sharply while the number of panel attorneys has fallen, leaving many cases waiting months for counsel. They argued the proposed increase would help but is still below what is needed to recruit and retain attorneys and prevent delays that affect criminal, juvenile, and child welfare cases. The committee also discussed the Tracy courthouse project in San Joaquin County, where local officials said reopening a courthouse closed since 2011 is necessary to serve a growing population and relieve overcrowding elsewhere. The LAO and Finance both noted the project is next in line under the facilities plan, though LAO suggested the Legislature could consider whether other facility priorities should come first.

Transcript Highlights:

• Page 54 is the Savings and Loan Supervision Fund transfer to the Finance Fund.
• Supervision Fund to regulate Savings and Loan Associations.
• Page 64, Savings and Loan Supervision Fund transfer to General Revenue.
• This is the transfer for startup loans from new board programs.
• Page 168 is transfers for startup loans payback.

Keywords: 959, house, all

Transcript Highlights:

• 05:22.400> repays<00:05:23.039> qualified The program also repays qualified education loans
• $1.45 million annually, with about two-thirds of the funding in grants and the other third in direct loan
• Then, if more work is done, if there's more modifications, we can talk about those.
• It addresses certified child care centers, some policy modifications.
• modifications and why they are needed. modifications and why they are needed.

Keywords: 1187, senate, all

Transcript Highlights:

• But I think that's where the discussion of any modification or how we move forward...
• But I think that's where the discussion of any modification or how we move forward, because affordability
• Within debt service, I want you to think bonds, oftentimes, or bank loans when we look at this, in particular

Summary: The Committee on Community Affairs convened with a quorum and took up SB 308, a bill related to the Florida Museum of Black History. The bill would establish a Florida Museum of Black History Board of Directors and direct it to work with a supporting nonprofit foundation, while also requiring the St. Johns County Board of County Commissioners to provide administrative assistance and staffing until planning, design, and engineering are complete. With no appearance forms or debate, the committee voted the bill favorably. The remainder of the meeting was an informational briefing from the Florida Association of Counties and the Florida League of Cities on local government budgeting practices. Presenters explained how counties and cities develop budgets, the legal framework governing property taxes and other revenues, the distinction between restricted and unrestricted funds, and the role of constitutional officers, public safety, debt, pensions, and capital planning. They emphasized that most local revenues are restricted by law, that general funds are the main discretionary source, and that local governments must balance annual budgets while meeting mandated service levels. The presenters also discussed how property taxes, fees, local option taxes, and state-shared revenues support local services, and they highlighted the fiscal pressures created by public safety, emergency management, infrastructure, and retirement costs. Members asked questions about the share of local revenue that is unrestricted and the implications for any proposal to eliminate property taxes. The presenters responded that only a portion of county and municipal revenue is flexible, with much of it dedicated to specific purposes by law.

Transcript Highlights:

• I first want to thank you for considering the Pell Grant, I mean the Pell recipient modification, considering
• So that being said, I'm sure open to making modifications, as I said before.
• balancing a checkbook, understanding personal finance, including budgeting, credit management, and loans

Summary: The Careers and Workforce Subcommittee heard three bills. HB 919 on nursing education programs would tighten accountability for nursing schools with low NCLEX pass rates by shortening the probation period, requiring remediation plans, mandating free remediation for students who fail, and requiring tuition reimbursement for programs with very low pass rates. The sponsor argued Florida’s nursing pass rates are unacceptably low and that stronger consequences are needed; opponents warned the bill could shut down programs, worsen the nursing shortage, and unfairly target private schools, while supporters said it would protect students and improve outcomes. After debate, the bill was reported favorably by a vote of 18-0. The committee then heard PCS for HB 1261, the “Smart Living Act,” a student-driven proposal from Jefferson High School in Hillsborough County to expand personal financial literacy and practical life-skills instruction in high school. Students and school officials testified that the bill would better prepare graduates for adulthood by covering topics such as budgeting, credit, loans, FAFSA, resumes, interviews, and basic household skills. Members praised the students’ work and the bill’s practical focus, and the PCS was reported favorably 18-0. Finally, the committee considered HB 809, which would exempt school social workers from educator certification requirements for general and subject-area knowledge. Supporters from Lee and Broward counties said the current testing requirement is unrelated to social work, creates financial and recruitment barriers, and has contributed to staffing shortages. Members from both parties supported the measure as a simple way to remove an obstacle to hiring and retaining school social workers. HB 809 was also reported favorably by a vote of 18-0, and the meeting adjourned after all agenda items were completed.

Transcript Highlights:

• relating to the statute of limitations on health care liability claim involving certain gender modification
• Cameron relating to eligibility and mental health professionals for the Home of Texas Heroes Home Loan

Transcript Highlights:

• relating to the statute of limitations on health care liability claim involving certain gender modification
• a camera relating to eligibility and mental health professionals for the Home of Texas Heroes Home Loan

Keywords: 1184, house, all

Transcript Highlights:

• So that's the emerging entrepreneur loan program and the cannabis startup grants on line 178.
• So that's emerging entrepreneur<00:09:31.360> lo<00:09:31.680> loan<00:09:32.000> program
• <00:09:32.320> and<00:09:32.560> the entrepreneur lo loan program and the entrepreneur
• lo loan program and the cannabis<00:09:33.120> startup cannabis startup cannabis startup grants
• Senator Brett. modifications or changes there that modifications or changes there that there there<01

Keywords: 1187, senate, all

Transcript Highlights:

• committee amendment for HB 7031E provides for a number of tax reductions and other tax-related modifications
• The following are provisions that were in the bill we passed in March that were retained with modifications
• The following are provisions that were in the bill we passed in March that were retained with modifications
• This is the implementing bill that makes modifications to statutes to conform laws to our GAA. Mr.
• Speaker, members, this is the implementing bill that makes modifications to statutes to conform laws

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