Video & Transcript : 'lender cap' :
Page 29 of 391
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, June 23, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- in the cap private capital markets,<04:50:11.120><c> companies</c><04:50:11.520><c> don't</c><04:50:
- You go to a particular lender or mortgage broker, you apply for a mortgage.
- You go to a particular lender or mortgage broker, you apply for a mortgage.
- But you seek a mortgage loan, and of course the mortgage lender has to look at your credit report.
- But you seek a mortgage loan, and of course the mortgage lender has to look at your credit report.
Bills:
HB3422 , HB3394 , HB1998 , HB2808 , HR1190 , HB3381 , HB3301 , HB2225 , HB3352 , HB1713 , HR910 , HR1082 , HB1520 , HB1664 , HB1767 , HB2269 , HB1679 , HB2481 , HB1737 , HR260
Keywords:
small business, capital formation, securities exchange act, SEC, Advocate for Small Business Capital Formation, women-owned businesses, minority-owned businesses, underrepresented entrepreneurs, rural businesses, natural disasters, hurricanes, small business investors, capital raising, fundraising, crowdfunding, angel investors, venture capital, state securities commissions, blue sky laws, business outreach
TX
Texas 89th Regular
Senate Committee on Water, Agriculture, and Rural Affairs Mar 31st, 2025
Water, Agriculture and Rural Affairs
Transcript Highlights:
- underfunding. of the Texas Rural Volunteer Fire Department Assistance Program, which has an annual cap
- The bill also increases the funding cap for the Rural Volunteer Fire Department Assistance Fund.
- This is detrimental to consumers, lenders, and the public.
- legislation will put Texas on track to have a Coast Guard-certified titling system, which would provide lenders
Bills:
SB34 , SB119 , SB261 , SB532 , SB1035 , SB1245 , SB1247 , SB1267 , SB1442 , SB1930 , SB1948 , SB2078 , SB2112 , SB2143 , SB2155
Committee:
Senate Water, Agriculture and Rural Affairs
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Wed Feb 18, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- Um, but, you know, like I said, typically lenders don't pursue deficiency judgments.
- >> I think the fear is that if the statute of limitation remains 20 years, that, you know, some lender
- I've seen, um, I've seen banks, um, that or lenders that played family off of each other, like I mean
- </c> debt that's being claimed by the lender. debt that's being claimed by the lender.
- </c><00:35:34.000><c> that</c> I've seen banks um that or lenders that I've seen banks um that or lenders
Bills:
HB20 , HB2612 , HB2404 , HB2459 , HB2194 , HB1880 , HB2284 , HB1969 , HB2458 , HB1546 , HB2161 , HB1721 , HB1641 , HB2137 , HB1782 , HB2360 , HB1965 , HB1897 , HB1513
Committee:
House Consumer Protection & Commerce
Summary:
The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided.
The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments.
Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.
NY
Transcript Highlights:
- And you even have the IMF saying, you know, we're out there to be a lender of last resort.
- Therefore, the institution or the lender just would not, would be prohibited from making the loan if
- Therefore, the institution or the lender just would not, would be prohibited from making the loan if
Committee:
Senate Judiciary
Summary:
The Judiciary Committee met for its fourth meeting of the year and considered a series of bills, mostly on civil practice, real property, and court administration. SB 26A on extreme risk protection orders drew some concern about possible unintended consequences and broad exclusions for minors, but it was moved and reported to Codes. SB 1116, designating April 20 as New York State Constitution Day, was moved quickly and reported to the floor.
The committee spent the most time on SB 1477, which would limit certain debt-collection practices involving sovereign debt and so-called vulture investors. Senator Krueger explained that the bill is narrowly targeted at investors who buy distressed sovereign bonds with the intent to sue in New York courts, while Senator Palumbo raised concerns about breadth and possible effects on legitimate lending and contract rights. After extended discussion and assurances that the bill would not affect ordinary investors or credit-card debt, it was moved and reported to Finance. Members also discussed SB 7541 on transparency for co-ops and condos; some members warned of unintended consequences and opposition from the co-op/condo community, while others argued it would improve disclosure. The bill was ultimately reported to the floor.
Several other bills were approved with little or no opposition: SB 2546 on abandoned multiple dwellings, SB 8294 requiring more detailed judicial determinations on motions, SB 8372 on expenses in matrimonial actions, SB 8870 extending supervision requirements for a real estate license application, and SB 9482 creating a New York City Civil Court subpart for eviction matters involving affordable housing providers and small landlords. SB 9482 drew supportive comments, with a note that funding and staffing would be needed in the budget for it to function effectively. All bills considered were moved out of committee and reported to the appropriate next committee or to the floor.
MN
Minnesota 2025-2026 Regular Session
House agriculture committee approves HF770 3/3/25
Transcript Highlights:
- with a community bank, which at the time was the only one listed on the directory of participating lenders
- directory was the only one listed on the directory of<00:05:24.319><c> participating</c><00:05:24.840><c> lenders
- so</c><00:05:26.319><c> um</c><00:05:26.680><c> it</c><00:05:26.840><c> was</c> Of participating lenders
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, December 2, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- student</c><00:12:19.839><c> loan</c> which caps graduate student loan which caps graduate student loan
- </c><00:12:52.079><c> and</c> arms of predatory private lenders and arms of predatory private lenders
- We capped the cost of insulin at $35.
- We capped the cost of insulin at $35.
- We capped the cost of insulin at $35.
WV
West Virginia 2026 Regular Session
WV Senate Finance Committee in Session Mar 11th, 2026 at 04:01 pm
Transcript Highlights:
- Division of Financial Institutions to promulgate a legislative rule regarding residential mortgage lenders
- This rule would provide regulation of mortgage lenders, brokers, and other services.
- Division of Financial Institutions to promulgate a legislative rule regarding residential mortgage lenders
- This rule would provide regulation of mortgage lenders, brokers, and other services.
Summary:
The Senate Finance Committee met with a quorum present, approved the prior meeting minutes, and then considered a series of House bills and committee substitutes. House Bill 5438, dealing with changes to Step 7 of the school aid formula and allowable uses of certain education allocations, was amended to adopt the Education Committee’s changes and then reported to the full Senate. House Bill 4087 creating the West Virginia-Ireland Education Alliance was also reported, as was House Bill 4191, which expands child care tax credit eligibility for employer-sponsored facilities and changes subsidy payments from attendance-based to enrollment-based reimbursement; senators emphasized its workforce and economic development benefits. House Bill 5074, which reallocates medical cannabis fund balances and future revenues, was amended to increase the Child Protective Commission pilot funding from $3 million to $5 million and remove proposed ibogaine research funding for Marshall and WVU before being reported. House Bill 5353, regulating virtual currency kiosks and money transmission licensure, and House Bill 5527, creating licensure and oversight for wellness reimbursement program administrators, both received strike-and-insert amendments and were reported. House Bill 5687, which phases down the metallurgical coal severance tax and adds a temporary oil and gas tax reduction with county/municipal revenue adjustments, was amended and reported. House Bill 4418, creating an electronic system for municipal business and occupation tax filing and collection with a 1% administrative fee and a participation threshold, was also reported.
The committee then took up House Bill 4245, the Revenue Rules Bundle, which bundles 26 legislative rules from the Department of Revenue and related agencies. The bundle included alcohol, banking, insurance, racing, and tax rules, with several sunset extensions and repeals of outdated rules; the committee adopted a strike-and-insert amendment affecting a lottery consumer protection rule and a pre-need cemetery company rule, then reported the bill. House Bill 5168, providing a $12 million lottery-funded stream for emergency medical services, was amended to clarify the uses of the funds, rename one fund, require a 30% county match for mental health treatment spending, and create two additional county-based EMS funds; senators described it as a needed permanent funding source for EMS, and it was reported. Throughout the meeting, members generally supported the measures, with some discussion on technical details, funding allocations, and the impact of the bills on local services and workforce needs. At the end of the meeting, the chair announced that Senate House Bills 4004, 4006, and 4009 would not be taken up that day, and the committee adjourned.
NM
New Mexico 2025 Regular Session
IC - Indian Affairs Aug 14th, 2025
House Government, Elections & Indian Affairs
Transcript Highlights:
- Whether it's title, whether it's lenders, whether it's agents, there's a lot of moving pieces to this
- When we look at affordability, a lender is looking at 55% of your debt-to-income ratio.
- That idea of affordability and qualification changes from the tribe to getting a lender to do it.
- We watched the lenders.
- I will tell you, lenders don't like touching allotments because of the fractured nature of...
AZ
Transcript Highlights:
- So everybody that works in this field, to include lenders, are for this bill.
- Chairman, Senate Bill 1473 prohibits a municipality and a county from imposing a cap on the number of
Summary:
The House Committee on Government heard and advanced several bills. SB 1479 would require photo identification for certain documents recorded at county recorder offices, add identifying measures for notarized real property documents, and increase the penalty for knowingly submitting a false claim or forgery related to real property from a Class 1 misdemeanor to a Class 5 felony. Testimony from a deed fraud victim, county assessors, the Attorney General’s office, and an online notary representative emphasized the bill’s role in preventing deed fraud; the chair also said he would run a floor amendment to tighten the ID-recording provisions. The committee voted 7-0 to give SB 1479 a due pass recommendation.
SB 1473 would prohibit counties and municipalities from capping the number of residents in assisted living homes, restricting such homes on residentially zoned property, or requiring extra administrative documents based solely on resident count. Supporters from the Arizona Assisted Living Homes Association and a Paradise Valley operator said local occupancy reductions from 10 beds to 6 could force closures, worsen the shortage of senior care beds, and undermine affordable residential care; members discussed parking concerns and the growing need for assisted living. The committee voted 7-0 to give SB 1473 a due pass recommendation.
The committee also considered SB 1663, which creates a Freedom of Speech Monument Committee to nominate two deceased individuals each year for the Freedom of Speech Monument and allows placement of a monument in the governmental mall. After limited testimony, including one opponent, the committee voted 4-1 to advance the bill. Finally, SB 1686, which would rename Wesley Bolin Plaza the Wesley Bolin and Charlie Kirk Freedom Plaza and authorize memorials for Charlie Kirk and Don Bowles, drew extended debate and an unsuccessful amendment to separate the Charlie Kirk and Don Bowles provisions. After testimony for and against, the committee voted 4-3 to give SB 1686 a due pass recommendation, and the meeting adjourned.
AZ
Transcript Highlights:
- So everybody that works in this field, to include lenders, are for this bill.
- Chairman, Senate Bill 1473 prohibits a municipality and a county from imposing a cap on the number of
WY
Wyoming 2026 Regular Session
Senate Corporations, Elections & Political Subdivisions Committee, February 11, 2026
Corporations, Elections & Political Subdivisions
Transcript Highlights:
- Without priority, a senior lender may be more likely not to want to modify that mortgage unless they
- . the lenders want to have these changes. the lenders want to<01:15:55.679><c> be</c><01:15:55.760><c
- </c><01:16:12.239><c> be</c><01:16:12.400><c> more</c><01:16:12.640><c> likely</c> senior lender will
- may be more likely senior lender will may be more likely not<01:16:13.280><c> to</c><01:16:13.440><c
- </c> of benefits for lenders of benefits for lenders by<01:19:31.679><c> not</c><01:19:31.920><c> providing
MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses Jun 21st, 2026 at 11:00 am
Transcript Highlights:
- He capped that at $1,000 a month, freeing up $100 million for his spending.
- And then standard consumer credit rates will be capped at a maximum of 1.25 for eight years.
- Consumer credit rates will be capped at a maximum of 1.25 for eight years.
- I was a commercial lender earlier in my career and witnessed several situations where business went from
Summary:
The Special Commission on the future of payments and sales transactions by credit card heard extensive testimony from credit union, banking, retail, restaurant, and payments-industry representatives about proposals to limit interchange fees, especially on the tax and tip portions of transactions. Several witnesses opposed state-level restrictions, arguing they would create a patchwork of rules, burden state-chartered institutions, raise compliance complexity, and ultimately reduce resources for fraud prevention, cybersecurity, rewards, and access to credit. Others, including retail and merchant advocates, said swipe fees are a significant and growing cost for small businesses and that states should consider reforms such as limiting fees on taxes and tips, allowing surcharging, improving transparency in merchant contracts, and studying collection costs more closely.
Witnesses also discussed recent legal and regulatory developments, including Illinois’s interchange-fee law, OCC and NCUA interim rules, and the ongoing Visa/Mastercard antitrust settlement. Industry representatives said the Illinois law has been delayed and is likely preempted for most transactions, while merchant advocates argued the state efforts and court rulings show that networks and banks do not set fees competitively. The proposed antitrust settlement was described by some as a meaningful but limited merchant victory, with temporary fee reductions and expanded surcharge/steering rights, while others said it still falls short of structural reform.
The commission members pressed witnesses on the practical effects of fees, the cost of cash, whether merchants can pass costs through, and whether small businesses are actually seeing benefits from the current system. Members repeatedly emphasized the need for a fair middle ground that protects both small businesses and the payment system. No substantive votes or policy actions were taken beyond accepting testimony, and the meeting ended with adjournment after all scheduled witnesses had spoken.
AZ
Arizona 2026 Regular Session
02/10/2026 - House Democratic Caucus Calendar #5
Transcript Highlights:
- Madam Chair and members, the strike-everything amendment to HB 2482 caps the maximum dollar amount of
- Madam Chair and members, the strike-everything amendment to HB 2482 caps the maximum dollar amount of
- So in some of these AWAs, they also ask lenders for tips.
- Madam Chair, members, HB 2477 raises the cap of expenses a 529 account can be used for and allows for
Summary:
The committee worked through a very long minority caucus calendar covering a wide range of bills, with many items being described and then either left on consent, pulled from consent, or noted for votes. Topics included bullion and state depository proposals, a produce incentive appropriation, a biennial budget change, veterans services funding, driver licensing and traffic enforcement measures, procurement and public records changes, school board and school facilities rules, SNAP work requirements and verification, child welfare and juvenile justice provisions, housing and homelessness measures, energy and fuel policy, election administration, and several tax, commerce, and licensing bills. Members repeatedly raised concerns about constitutionality, federal preemption, duplication of existing law, and whether some measures were policy priorities that had been vetoed in prior sessions and were returning unchanged.
Several bills drew extended debate. Members objected to English-proficiency requirements for commercial drivers and motor carriers, arguing federal law and the supremacy clause would bar them. Earned wage access regulation prompted strong opposition over consumer harm, overdraft cycles, and high effective APRs. School-related bills were criticized for overregulating public schools while not imposing similar requirements on ESA/private-school programs, especially on fingerprint clearance and reporting. SNAP-related bills were also opposed as setting unrealistic mandates and repeating vetoed proposals. Other contested measures included a drag-show criminalization bill, a bill restricting photo enforcement, a bill limiting local regulation of unmanned aircraft, and a bill conforming Arizona tax law to federal changes, which members said would benefit wealthy taxpayers and corporations without a clear funding source.
The committee also heard a number of supportive or less controversial measures, including bills on veterans awareness, dementia care telemonitoring, Braille transcription funding, CPA licensure pathways, cash acceptance by retailers, and some child safety and court administration changes. Several bills were pulled from consent for further discussion, while others were noted as having unanimous or near-unanimous votes. The meeting ended with caucus announcements, including an affordability award presentation, an upcoming Latino Caucus discussion on community land trusts, and an invitation to African American Legislative Day activities, followed by adjournment.
MN
Minnesota 2025-2026 Regular Session
Committee on Judiciary and Public Safety - Part 2 - 04/24/26
Judiciary and Public Safety
Transcript Highlights:
- </c><00:09:43.840><c> The</c><00:09:44.040><c> lenders</c> mismatched legal standards.
- The lenders mismatched legal standards.
- The lenders and<00:09:44.520><c> title</c><00:09:44.800><c> companies</c><00:09:45.280><c> face</c><00
- We partner with residents and lenders, legal experts, and legislators to identify barriers in statute
- , lenders, lenders, um um um legal<00:13:36.040><c> experts,</c> legal experts, legal experts, uh<00:
Committee:
Senate Judiciary and Public Safety
VT
Transcript Highlights:
- Though the report concluded that at this time there was no viable cap-and-invest program available to
- The report poses recommendations for steps to support the careful design of a cap-and-invest program
- York cap-and-invest program.
- a New York cap and invest was joining a New York cap and invest<02:30:22.280><c> program.
- and invest was joining a New York cap-and-invest program.
TX
Texas 89th Regular
S/C on Family & Fiduciary Relationships Mar 31st, 2025
S/C on Family & Fiduciary Relationships
Transcript Highlights:
- The lenders would essentially have to, on the application for...
- For the mortgage payment, our lenders are saying that gives them a little more concern in looking at
- If you know, currently, how many cases, as a representative of mortgages or lenders, are...
Bills:
HB368 , HB3311 , HB1734 , HB2495 , HB2716 , HB793 , HB3376 , HB2524 , HB3421 , HB3446 , HB3181
Keywords:
electronic devices, family violence, criminal prosecution, protective orders, tracking, harassment, family allowance, decedent's estate, surviving spouse, minor children, inheritance, child support, maintenance, HB 1734, Family Code, Section 155.207, suit affecting the parent-child relationship, SAPCR, continuing exclusive jurisdiction, jurisdiction transfer
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Banking and Insurance (10-14-25)
Transcript Highlights:
- This is where our mortgages, consumer lenders, deferred deposit, which are commonly known as our payday
- ,</c><00:50:00.960><c> uh,</c> our mortgages, um, consumer lenders, uh, our mortgages, um, consumer lenders
- And some of those are tribal lenders, and we have no jurisdiction over those whatsoever.
- . and some of those are payday lenders. and some of those are tribal<00:53:35.920><c> lenders</c><00:
- and we have no tribal lenders and we have no jurisdiction<00:53:37.599><c> over</c><00:53:37.920><c>
Summary:
The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them.
Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase.
Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.
CA
California 2025-2026 Regular Session
Assembly Banking and Finance Committee Apr 20th, 2026
Banking and Finance
Transcript Highlights:
- This emphasizes that lenders were already mobilized and assisting borrowers well before...
- This emphasizes that lenders were already mobilized and assisting borrowers well before AB 238 was enacted
- explicitly says that under GSE guidelines and contractual obligations, no mortgage servicer and no lender
- encourage us to have our members keep that open dialogue of conversation between the borrower and the lender
- Yeah, different lenders— that's the Fannie, yeah, there's a Fannie Mae and Freddie Mac form, and then
Committee:
House Banking and Finance
NH
New Hampshire 2026 Regular Session
House Finance Division I (05/04/2026)
Transcript Highlights:
- asset,' the lender says, 'Well, what happens in 2040?'
- And so, when these projects approach<00:13:18.640><c> a</c><00:13:18.680><c> lender</c><00:13:19.240>
- and say, "Hey, we need approach a lender and say, "Hey, we need millions<00:13:21.000><c> of</c><00:
- The lender says, "Well, what asset."
- The lender says, "Well, what happens<00:13:24.600><c> in</c><00:13:24.680><c> 2040?"
Summary:
The committee first took up Senate Bill 408 FN, which expands prosthetic device insurance coverage from children to individuals over 19, with limits on activity-specific devices and one device every five years. Members noted an indeterminate fiscal impact beginning in fiscal year 2028, but speakers said the bill addressed a gap in current coverage and had already been supported unanimously in policy. The committee voted 9-0 to recommend ought to pass.
Next, Senate Bill 534 FN, dealing with compliance with foreign influence and funding restrictions for political expenditures and contributions, was discussed and then approved. Supporters said it clarifies that the restrictions apply to local elections and constitutional amendment questions as well as state and federal elections, and that enforcement costs would be minimal absent violations. The committee voted 9-0 to recommend ought to pass.
The committee then considered Senate Bill 538, extending net metering eligibility terms for municipal energy projects. Members discussed a proposed amendment to align the bill with related conference committee language in HB 221 and to address projects already in the pipeline, but the amendment failed on a 4-5 vote. The underlying bill was then recommended ought to pass on a 9-0 vote. The committee also heard extensive testimony on Senate Bill 541 FNA, which reallocates existing capital funds for regional drinking water infrastructure in southern New Hampshire, including PFAS-related work and the southern regional waterline project; after discussion of funding sources and project impacts, it was approved 9-0.
Finally, the committee began work on Senate Bill 557 FN, which would prohibit liquor commission licensees from selling or allowing certain kratom products. Representative Sweeney offered an amendment intended to narrow the bill to target semi-synthetic and synthetic kratom products while preserving lawful natural products, and members discussed enforcement scope and fiscal impact. The transcript ends during that discussion, before a final vote on the amendment or bill.
MN
Minnesota 2025-2026 Regular Session
Tax Expenditure Review Commission 7/15/26
Minnesota House Floor Meeting
Transcript Highlights:
- The lender<00:33:43.600><c> typically</c><00:33:44.080><c> collects</c><00:33:44.480><c> the</c><00:33
- :44.720><c> tax</c><00:33:45.039><c> at</c> lender typically collects the tax at lender typically collects
- A qualifying government entity must either be a lender at the time of recording or be the grantee of
- </c> offering egg loans with federal lenders offering egg loans with federal lenders whose<00:45:01.440
- "Chair and members, um, why the federal agency—right, if you're a federal lender, you're not subject