Transcript Highlights:

• may be just at the time of lease or at the time that a new system is installed, essentially... ...directing
• It is payable at the time of the loan closing and applies to closings on or after July 27, 2025.
• It exempts from the fee chattel loans or retail installment contracts to purchase dwellings secured as
• We also support the bill's targeted carve-outs, including those for chattel loans and reverse mortgages
• Finally, we strongly support the bill's direction to study the feasibility of a homeowner assistance

Bills: SB5884 , SB5885 , SB5937 , SB5938

Committee: Senate Housing

Keywords: sales tax, redevelopment, economic incentive, underutilized property, infrastructure, affordable housing, religious organizations, zoning laws, land use, community development, smart access system, smart lock, residential landlord-tenant act, tenant privacy, biometric data, fingerprint, face scan, iris scan, key fob, key card

Transcript Highlights:

• And what it does is it modernizes the Louisiana Consumer Loan framework by raising the loan amount thresholds
• while disincentivizing mid-size and larger loans.
• This is for new loans moving forward.
• This loan ends. And so... This loan ends.
• Is that just direct sales of the pellets or? It's a direct sale of pellets, yes, sir.

Bills: HB489 , HB545 , HB555 , HB583 , HB670 , HB672 , HB797 , HB814 , HB913 , HB952

Committees: House Commerce , House Commerce, Consumer Protection, and International Affairs

Keywords: transfer on death, TOD, beneficiary designation, investment accounts, brokerage accounts, securities, nonprobate transfer, estate planning, succession, probate, community property, forced heirship, financial advisor, broker-dealer, custodian, transfer agent, banking, wealth transfer, inheritance, Louisiana Revised Statutes

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• There's a very direct linkage between the money being collected and what it is used for.
• Jackie, in what year do we operationalize the consumer-directed employer? I had a question.
• Jackie, what year do we operationalize the consumer-directed employer?
• In some cases, interfund loans and transfers can be made between school district funds.
• its capital projects fund and use that loan to balance its budget, provided the loan is repaid within

Bills: SB5109 , SB5835 , SB6065

Committee: House Appropriations

Keywords: mortgage lending, fraud, prosecution, financial regulations, consumer protection, retirement, lump sum payment, benefits, pension, financial security, SB 6065, school district transportation, transportation vehicle fund, pupil transportation, school buses, electric school buses, zero-emission buses, bus fleet electrification, charging stations, vehicle replacement

Transcript Highlights:

• </c><00:13:01.000><c> and</c> support for jails was directed and support for jails was directed and finally
• for direct care treatment um so speaking for direct care and<00:24:41.200><c> treatment</c><00:24:41.480
• For those that don't know me, I worked as a direct care staff in St.
• I'm the legislative director for Direct Care and Treatment.
• direct services, and we want to make sure, when it comes to providing those direct services, that we

Bills: HF2196 , HF2586 , HF2187 , HF2037

Committee: House Human Services Finance and Policy

Keywords: mental health, emotional disturbance, terminology update, statutory cleanup, conforming amendments, children's mental health, serious mental illness, severe emotional disturbance, case management, residential treatment, outpatient services, crisis services, health plan coverage, antipsychotic drugs, medical assistance, Medicaid, foster care, juvenile court, school discipline, county board

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• loans or deposits with lenders, the commission may make mortgage loans to borrowers.
• Finance Commission to administer a revolving loan fund to provide loans to eligible organizations to
• Loans must be issued at a below-market interest rate above 1%.
• The developer must repay the loan amount plus interest and a penalty not to exceed 10% to the commission
• , but being a part of the construction loan.

Bills: SB6018 , SB6026 , SB6027 , SB6028 , SB5937 , SB5938

Committee: Senate Housing

Keywords: housing, finance, commission, state funding, affordable housing, residential development, zoning reform, mixed-use zoning, commercial zones, Growth Management Act, GMA, state preemption, local land use, development regulations, ground-floor retail, ground-floor commercial, permit waiver, waiver process, density, urban growth area

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• Members, when natural disasters occur, small businesses often rely on federal SBA loans to recover, but
• To address this, the 87th Legislature created two programs: the Small Business Disaster Loan Program
• and the Micro Business Disaster Loan Program to offer loan cost abating. loans while businesses wait
• You don't have weeks or months to wait for some kind of disaster loan to come in.
• In our 2,800 plus churches, we have real estate agents, professionals, and members of trade organizations

Bills: SB1361 , SB2105 , SB2690 , SB2713 , SCR38 , SB2637 , SB2881

Committee: House Trade, Workforce & Economic Development

Keywords: SB 1361, Texas disaster recovery loan, small business loan, micro-business loan, community development financial institution, CDFI, economic disaster assistance, post-disaster financing, business recovery fund, Texas Economic Development Bank, zero-interest loan, working capital, payroll support, health benefits, job retention, declared disaster, small business relief, microenterprise, franchise exclusion, private equity-backed business

Transcript Highlights:

• SBA loans are supposed to help creditworthy businesses that cannot get loans elsewhere.
• SBA loans are supposed to help creditworthy businesses that cannot get loans elsewhere.
• </c> a preerequisite for obtaining a loan. a preerequisite for obtaining a loan.
• </c><02:14:29.360><c> He's</c> look for a sense of direction. He's look for a sense of direction.
• </c> or they'll move in that direction. or they'll move in that direction.

Bills: HB2966

Keywords: citizenship, small business, loan eligibility, immigration status, entrepreneurship

Bills: HF3548

Committee: House Agriculture Finance and Policy

Keywords: farm assistance, down payment, agriculture, state funding, loan modification

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• He got a loan from a community bank to purchase the trike.
• I should say we got a loan to purchase the trike. I should say we got a loan to purchase the trike.
• Where loan losses was the largest portion of your income?
• As I understand it, they're loaning it out, technically speaking.
• They're not loaning the money; we're loaning the money.

Bills: HB245 , HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175

Committee: House Pensions, Investments & Financial Services

Keywords: property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees

Transcript Highlights:

• For each fee collected, $1 for non-real property loans and 50 cents for secondary mortgage loans may
• If they had contracted for a loan, they'd be set with that loan payment at $1,000 a month.
• , or small business loans?
• is tied up in those loans?
• loan terms before they enter into a loan agreement with the lender, and to provide fully compliant loan

Bills: HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175 , HB245

Committee: House Pensions, Investments & Financial Services

Keywords: military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees, payroll deductions, retirement plans, fiscal transparency, local government, bond issuance

Bills: SB1873 , SB1948 , SB540 , SB1653 , SB1061 , SB1534

Committee: House Business

Keywords: roofing, contractor registration, continuing education, endorsement, construction industry, fireworks, consumer safety, local governance, emergency declaration, public safety, dentist, dental hygienist, dentistry, dental hygiene, licensure compact, interstate compact, professional licensing, license portability, health workforce, workforce shortage

Transcript Highlights:

• These are direct recommendations from the House Committee on Public Health's interim report to the 88th
• HB 2860 directs the Department of State Health Services to coordinate with the Texas Higher Education
• It's just a plan; it does not. actually establish any loans or tuition assistance; it just develops the
• The Act maintains funding for the loan repayment program at the same levels as last year.
• And if they wanted to step in and direct a president or a provost, they have the authority to do that

Bills: HB2476 , HB2893 , HB4848 , HB5062 , SB37 , SB60 , HB2860 , HB4930 , SB646 , SB 37

Committee: House Higher Education

Keywords: living expenses, higher education, student support, homeless students, financial aid, grant program, baccalaureate degrees, junior colleges, workforce development, Texas Higher Education Coordinating Board, competency-based education, baccalaureate degree, cost of attendance, dual credit, computer science, course credit, foreign language requirement, curriculum review, governing board, faculty council

Transcript Highlights:

• The bill before you is an important step in the right direction.
• You may have a 15-year loan on that. And again, these are folks with fairly limited means.
• I'm the owner of a direct primary care practice in Auburn, Massachusetts, and I've practiced primary
• Carver is a town with five manufactured-home villages, including four that are 55-plus.
• Carver is a town with five manufactured home villages, including four that are 55 plus.

Bills: S2732 , S2738 , S2739

Committee: Joint Joint Committee on Financial Services

Keywords: healthcare, direct primary care, insurance, referrals, network providers, payment denial, insurance costs, manufactured homes, homeowners insurance, affordability, state regulations, insurance market, consumer protection, mobile homes, firefighting, water supply, cistern program, rural areas, urban interface, state funding

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• It is legal right now to sell ungraded eggs direct-to-consumer, and farmers all over the state at hundreds
• We have trained about 900 plus students.
• Farmers must still follow the same regulations used in direct-to-consumer sales. ...refrigeration, labeling

Bills: SB1864

Committee: House Agriculture & Livestock

Keywords: eggs, ungraded eggs, egg grading, poultry, farm products, local food, small farmers, direct-to-consumer sales, wholesale food sales, food safety, refrigeration requirements, sanitation standards, occupational license, dealer-wholesaler license, Texas Department of Agriculture, restaurants, small grocery stores, cooperatives, farmers cooperative, agricultural regulation

Transcript Highlights:

• If a public employee or retiree pays that direct fee out of pocket under a state health plan, it does
• Members, amid the challenges in our healthcare industry, direct primary care has emerged through the
• Direct medical care. This is an excellent bill.
• Do we know how many employees right now participate in direct?
• are guaranteed by the Federal VA Home Loan Guarantee.

Bills: HB3015 , HB3521 , HB5632 , HJR182 , SJR57

Committee: House Pensions, Investments & Financial Services

Keywords: healthcare, direct primary care, insurance deductibles, Texas Health Benefit Plans, telemedicine, police retirement, disability pension, municipalities, law enforcement, retirement benefits, retirement, beneficiary, Employees Retirement System of Texas, divorce decree, beneficiary designation, Veterans' Land Board, general obligation bonds, constitutional amendment, veterans, housing assistance

Transcript Highlights:

• and secondary mortgage loans and amount set by the finance code or by the Finance Commission rule for
• and 50 cents for secondary mortgage loans may be deposited with the comptroller for use in carrying
• As a self-directed, semi-independent agency since 2009, the commission no longer receives appropriated
• This is not a bank that's loaning money and earning interest. This is a literal depository.
• We make 60% of small business loans, 80% of agricultural loans, and any dollar that leaves the banking

Bills: SB524 , SB782 , HB42 , HB 1056 , HB2894 , HB3033 , HB3474 , HB3594 , HB4738 , HB5246 , HB42

Committee: Senate Finance

Keywords: SB 524, Texas franchise tax, veteran-owned business, new veteran-owned business, business tax exemption, filing fee exemption, Tax Code Chapter 171, Business Organizations Code, Comptroller, small business, veterans, entrepreneurship, tax repeal, privilege tax, beginning date, franchise tax exemption, severance tax, oil, gas, restimulation wells

Summary: The committee heard Senator Flores lay out the committee substitute for HB 2894, which would expand state reimbursement eligibility for local governments disproportionately affected by the disabled veterans homestead exemption. Flores said the bill would add certain municipalities in Bell, Coryell, and Lampasas counties if lost ad valorem tax revenue equals or exceeds 10% of general revenue, while existing recipients would remain under the current 2% threshold. Lampasas and Bell County officials and the City of Killeen testified in support, describing significant revenue losses and urging adequate funding. One witness, Howard Avery, argued any reimbursement should be counted as property tax revenue for voter-approval rate purposes to avoid a windfall. The committee later adopted the substitute and reported the bill favorably, with one nay. The committee also heard SB 782, which would create a temporary severance tax exemption for restimulated inactive oil and gas wells, intended to encourage investment in mature wells. The Comptroller explained the revised fiscal note as effectively zero because the wells are currently marginal and not generating meaningful tax revenue, while industry witnesses said the bill could extend well life, support local economies, and reduce orphan-well liabilities. Public testimony was supportive, and the bill was left pending. Members then heard HB 3033, a DPS-related grant program funded by voluntary $3 donations on driver’s license and ID applications to support nonprofits aiding injured or fallen DPS officers and their families, including memorial highway signs. The DPS Officers Association supported the bill, citing existing foundation assistance and the need for a steady funding stream. The committee later reported the bill favorably. The committee also considered SB 524, which would permanently extend the franchise tax and fee exemption for qualifying veteran-owned businesses for their first five years; testimony from a veteran business owner and veterans advocates supported the measure, and the committee adopted the substitute and reported it favorably. Additional measures were laid out and left pending or voted out: HB 3594, a local San Antonio retiree health care fund bill with agreed changes for contributions, spouse benefits, and remarriage rules, was supported by stakeholders and reported favorably; HB 4738 would repeal small administrative fees tied to certain loans and was reported favorably; HB 42 on HEAF funding and HB 5246 on the Texas Space Commission were heard and left pending. The committee also reported HB 3474, a cleanup bill for the Pension Review Board’s investment performance review schedule, and HB 2802, the Austin firefighter retirement fund bill, both favorably. Finally, the committee took up HB 1056, which would allow gold and silver held in the Texas Bullion Depository to function as legal tender through debit-card transactions. Supporters framed it as a way to use hard assets and expand financial options, while bankers and some senators raised major operational, consumer-protection, tax, and constitutional questions; the bill remained under discussion as testimony began.

Transcript Highlights:

• We have some loan reimbursement for some of those positions that are not being fully taken advantage
• Amstep was for STEM teachers, and this one just is loan assistance and.
• This one just is loan assistance and support of educators in Alabama.
• not a part of STEM, but they. ...that are not a part of STEM, but they would then qualify for this loan
• I know you're trying to get the money and direct them to be able to get the funds to do this right.

Bills: SB166 , HB365 , HB272 , HB232 , HB234 , SB278 , SB277

Committee: Senate Education Policy

Keywords: Ten Commandments, public education, displays, funding, Alabama law, STEM, science education, technology education, engineering education, math education, workforce development, career pathways, Alabama STEM Council, Department of Workforce, education policy, higher education, community colleges, K-12 education, teacher pipeline, STEM careers

Transcript Highlights:

• It's simply portraits on display, and the statute would direct it to be prominently displayed, but the
• But specifically, Florida law already directs patriotic programs in schools.
• It's simply portraits on display, and the statute would direct it to be prominently displayed, but the
• But specifically, Florida law already directs patriotic programs in schools.
• It creates the Autism Education Loan Forgiveness Program, and I'm so excited about this.

Bills: S0206 , S0420 , S0556

Committee: Senate Education Pre-K - 12

Keywords: autism, autism spectrum disorder, ASD, special education, exceptional student education, ESE, teacher preparation, educator certification, micro-credential, loan forgiveness, student loan repayment, teacher stipend, salary supplement, professional development, inclusive education, developmental disabilities, Down syndrome, behavioral disabilities, school district compensation, collective bargaining

Bills: HB1382 , HB3945 , HB4449 , HB5043 , HB5388 , HB5397 , HB5499

Committee: House Licensing & Administrative Procedures

Keywords: education, funding, student support, financial aid, K-12, higher education, weather modification, prohibition, criminal offense, Texas, agriculture, environmental control, agriculture law, Texas legislation, chemical control, Texas law, massage therapy, regulation, licensing, criminal penalties

Bills: SB5188 , SB6313

Committee: House Capital Budget

Keywords: broadband, infrastructure, loan assistance, economic development, technology access, Capitol Centennial Stewardship, funding, gifts, grants, donations, legislative support