Transcript Highlights:

• <00:01:36.000> here<00:01:36.159> in insurance, continuing education here in insurance
• producers, those folks who sell us life insurance, health insurance, property insurance, and casualty
• , health insurance, property insurance, health insurance, property and<00:03:19.280> casualty<
• <00:03:20.720> and and casualty insurance for our home and and casualty insurance for our
• have private healthcare insurance. have private healthcare insurance.

Bills: HF357, HF3389, HF1434, HF2500, HF1606

Keywords: HF357, hasenpfeffer, card games, social skill game, Minnesota gambling law, tournament, contest, prize limit, low-stakes gaming, card game exemption, gambling exemption, cribbage, bridge, euchre, pinochle, Texas hold'em, whist, skat, sheepshead, gin

Transcript Highlights:

• As a reminder, the NAIC, or the National Association of Insurance Commissioners, is an organization made
• National Association of insurance National Association of insurance Commissioners<00:04:24.520><
• or<00:04:49.639> it's<00:04:49.840> a insurance Commissioners is an or it's a insurance
• And if the insurance company chooses not to insure the institution, is that going to be a problem?
• And if the insurance company chooses not to insure the institution, is that going to be a problem?

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Transcript Highlights:

• Thank you, Commissioner. questions. Thank you, Commissioner.
• We will start off with Commissioner Glistenbach and then have Commissioner Row be ready to go.
• Thank you, Commissioner.
• <00:26:23.039> is ready to go once the commissioner is ready to go once the commissioner is
• Thank you, Commissioner.

Bills: HF3228, HF2441

Keywords: workers' compensation, insurance programs, employee protection, Minnesota statutes, safety regulations, prevailing wage, certified payroll, payroll reporting, construction contracts, public works, project registration, labor standards, contractor compliance, subcontractor reporting, state government, Department of Administration, Commissioner of Labor and Industry, Metropolitan Council, highway construction, public construction

Transcript Highlights:

• HMO or the panel on that insurance company.
• For over a hundred years, the Texas Insurance Code has included anti-rebating laws which prohibit insurance
• directly with life insurance, retirement products, and various health insurance products offered in
• In 2021, the National Association of Insurance Commissioners updated its Model Act, which allows these
• We're going to shift from health insurance to a very niche industry of prescribed burning insurance.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• In 2023, the NAIC, the National Association of Insurance Commissioners, got together and said we should
• Typically what happens is an insurer will provide... to the insured a certificate of insurance that does
• have health care insurance.
• product better than no insurance?
• That can't afford insurance, that need insurance the most.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• House File 3766, which is based on a National Association of Insurance Commissioners model, provides
• House File 3766, which is based on a National Association of Insurance Commissioners model, provides
• , insurance and non- insurance components, insurance and non- insurance components, but<00:58:17.440
• <00:58:35.520> commissioners<00:58:36.079> model,<00:58:36.880> provides insurance
• commissioners model, provides insurance commissioners model, provides a<00:58:37.440> regulatory<

Bills: HF3604, HF2236, HF3709, HF3766, HF2400

Keywords: bulk fuel, nonoxygenated gasoline, environment, exemption criteria, transportation, HF2236, Minnesota commerce, obsolete language, statutory cleanup, retail installment contract, consumer credit, vehicle financing, auto loans, retail buyer, retail seller, delinquency charge, collection fee, attorney fees, assignment notice, payment receipt

Summary: The committee first approved the minutes from February 26, after correcting the header date to Thursday, February 26. It then took up House File 36004, as amended by the author’s technical A1 amendment. Representative Van Binsbergen described the bill as a change to statute governing bulk delivery of nonoxygenated fuel, especially for boats and other watercraft, to allow direct delivery to vehicles rather than requiring transport of fuel in containers or removal of boats from the water. Members generally supported the concept, citing convenience for lake users, reduced travel and potential invasive species spread, and fewer spill risks, but the chair said the bill would be laid over pending additional clarification from the State Fire Marshal’s Office and other agencies. House File 2236 was then introduced as a vehicle bill for possible future omnibus use and laid over without testimony or opposition. The committee also heard House File 3709, which would allow Minnesota banks and credit unions to offer custodial accounts for digital assets such as cryptocurrency. The authors framed the bill as a consumer-protection and competitiveness measure that would let local institutions keep pace with customer demand and prevent Minnesotans from relying on out-of-state or offshore providers. Testimony from the Department of Commerce and credit union representatives supported the bill, saying it would level the playing field, keep digital assets under Minnesota oversight, and help local institutions remain relevant; one witness said significant liquidity had been leaving local communities for outside exchanges. Questions from members focused on whether the accounts would be NCUA-insured, how the bill related to unclaimed property, and whether the policy goal was consumer protection or simply preserving bank relevance. Several members expressed support but also cautioned about crypto volatility, scams, and the need to avoid turning credit unions into exchanges. The discussion ended without a final vote in the excerpt, with the bill still under committee consideration.

Transcript Highlights:

• insurance affordable for folks. insurance affordable for folks.
• contribute to making health insurance contribute to making health insurance more<00:34:20.000>
• are paid by those who buy the insurance are paid by those who buy the insurance<00:35:55.920> in<
• insurance in their premiums. insurance in their premiums.
• an additional report from the insurance an additional report from the insurance companies?

Bills: HF4502, HF3388, HF4106, HF400, HF4138, HF4118, HF4203

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Transcript Highlights:

• By way back on insurance, our... Mr.
• And what this bill does is completely changes the insurance framework for shipping because cargo insurance
• alter the coverage that is provided in an insurance policy. ...a certificate is not an insurance policy
• HB 2996 expressly provides that a certificate of insurance is not an insurance policy, does not amend
• insured.

Bills: HB2128, HB2255, HB2397, HB2429, HB2591, HB2680, HB2834, HB2868, HB2911, HB2951, HB2979, HB2991, HB2996, HB2999, HB4001, HB4011, HB4017, HB4020, HB4026, HB4086, HB4088, HB2244, HB2342

Keywords: homeowners associations, condominiums, open meetings, governance, transparency, Arizona Teachers Academy, teacher preparation, education funding, public schools, scholarships, teacher certification, community colleges, HOA, homeowners association, planned community, condominium, CC&Rs, covenants, conditions and restrictions, resale disclosure, association disclosure

Summary: The committee heard and acted on several bills, mostly receiving due pass recommendations. HB 4020 would raise the maximum annual assessment on insurers that funds the Department of Insurance and Financial Institutions fraud unit from $1,050 to $1,350. The sponsor and an industry witness said the increase would support fraud investigations, and the bill passed 9-1 after a roll call vote; the transcript later included a correction stating HB 4020 passed 10-0 with one absent. HB 2255 would extend Arizona Teachers Academy scholarship eligibility for community college students from two academic years/four semesters to four academic years/eight semesters. Maricopa Community Colleges supported the bill, saying it would let community college teacher candidates complete bachelor’s degrees with the same funding available to university students. It passed unanimously. HB 2591, as amended, revised the definition and administration of registered apprenticeships to align with U.S. Department of Labor standards and add requirements such as written agreements, structured training, wage progression, and safety supervision; it also passed unanimously. HB 2680, as amended, narrowed and revised workers’ compensation fraud-related provisions, including insurance disclosure requirements and proof of coverage. Supporters from labor and construction groups said it would help combat premium fraud and protect honest contractors, while the sponsor said the amendment narrowed the bill to address concerns. It passed 10-1. HB 2979 modernized credit union law regarding bylaws, name changes, principal office changes, and certain powers; credit union representatives supported it as a regulatory update, and it passed 11-0. HB 2868 required manufactured-home/mobile-home installation license applicants and renewals to show insurance and fingerprint clearance, and to allow the Department of Housing to set experience, exam, and enforcement rules; it passed 8-1 with two present. The committee also approved a strike-everything amendment to HB 2429 on short-term rentals, allowing local governments to regulate overnight occupancy, extending the violation window for suspending a license from 12 to 24 months, and allowing suspension after certain building code violations. The sponsor and city/county representatives described it as a compromise that restores some local control, while short-term rental advocates and neighborhood groups said it was a step forward but still too limited; the bill passed 8-2 with one present. HB 4011, without the proposed amendment, codified HOA duties to act reasonably and fairly in enforcing rules, and after testimony from attorneys, homeowners, and HOA advocates describing abusive enforcement and the need for clearer standards, it passed 11-0. HB 2397, as amended, required more complete HOA disclosure information to buyers and escrow agents, with supporters saying it would prevent surprise assessments and defects and critics warning some language was still broad; it passed 11-0. Finally, HB 4026 would change a public infrastructure reimbursement program for advanced manufacturing by replacing a $200 million total cap with a $75 million annual cap and adding website-posting requirements for agreements; Queen Creek and economic development witnesses said it was needed to support major manufacturing projects and related infrastructure, and the bill was being discussed when the transcript ended.

Transcript Highlights:

• Next measure is SP 2087, Senate Draft 1 relating to health insurance. sentence delete student athlete
• SP 2087, Senate Draft 1 relating to health insurance.
• The recommendation is to insurance.
• <00:04:14.000> division requested by the insurance division requested by the insurance division
• <00:04:34.880> division<00:04:35.919> also requested by the insurance division also

Bills: SB2088, SB2925, SB3263, SB2047, SB2087, SB2100, SB2268, SB2353, SB2781, SB2902

Keywords: coconut trees, tax credit, natural management, Hawaii, agriculture, biosecurity, environment, coconut rhinoceros beetle, student-athletes, name image likeness, NIL, compensation, transparency, University of Hawaii, Title IX, funding, protections, pharmacy benefit managers, maximum allowable cost, drug pricing

Summary: The joint committee on Ways and Means and Consumer Protection met for decision-making only on two agendas and took action on a large number of Senate bills, with no oral testimony heard. On the 1016 agenda, the committee recommended passage of measures including SB 2088, SB 2925, SB 2781, and several others, and passed a number of bills with amendments. Notable amendments included SB 3263, which adopted AG amendments related to the name, image, and likeness endowment trust fund; SB 2047 on pharmacy benefit managers, which incorporated Hawaii Pharmacist Association changes; SB 2087 on health insurance, which added Insurance Division clarifications; SB 2100 on pesticides, which added a blank appropriation; SB 2353 on outdoor signage, which removed provisions related to the Wiki special district; and SB 2902 on renewable energy, which clarified certification standards for portable solar devices and exempted them from certain disclosure requirements. Most recommendations were adopted without objection, though a few members noted reservations on selected bills. The committee also deferred one bill on the agenda, SB 3327. The committee then moved to the 1015 agenda and acted on additional measures. SB 2003 was passed with amendments tied to Act 255, including a repeal trigger if deadlines are missed; SB 2497 on utility-related transparency drew the most discussion, with one member warning about litigation and costs while another argued it was simply about electricity-rate transparency, and it ultimately passed with PUC-related amendments and an exemption for utility cooperatives. Other measures were passed unamended or with technical or fiscal amendments, including bills affecting land planning, tax credits, conveyance tax language, shoreline maintenance, and community improvement projects. Several bills had appropriations blanked or effective dates deferred to 2050, and many were adopted with members noting reservations rather than opposition. On the 1017 agenda, the committee continued approving measures, including SB 709 on crisis intervention officers and assisted community treatment, SB 2153 on defining bona fide farmer/agriculture activity, SB 2694 on water rate adjustments, SB 3025 on income eligibility limits, and SB 3085 on the Hawaii film studio, which included a five-year repeal provision if the studio has not relocated. The committee also passed numerous other bills unamended or with technical amendments, often deferring effective dates or blanking appropriations. Across both agendas, the committee’s actions were largely consistent: bills were advanced with amendments tailored to agency requests, technical corrections, or fiscal adjustments, and votes were generally unanimous or near-unanimous with occasional reservations recorded.

Transcript Highlights:

• We just want to from an insurance claim.
• And deal with insurance related issues.
• <00:08:44.640> task we discovered in the insurance task we discovered in the insurance task
• Um, I will note that um, insured market.
• <00:34:37.200> companies something down the insurance companies something down the insurance

Bills: SF1750, HF4250, HF3938, HF3904, HF3642

Keywords: common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan

Bills: SB100, SB122, SB127, HB182, HB275, SB100, SB122, SB127, HB182, HB275

Keywords: property tax, ad valorem tax, real property assessment, assessment cap, county-wide reappraisal, CPI-U, Consumer Price Index, tax assessor, Class II property, Class III property, local government revenue, property tax relief, reappraisal, tax increment district, retroactive tax law, Alabama Code 40-7-2.2, appropriation, education funding, Southern Preparatory Academy, fiscal responsibility

Transcript Highlights:

• It was something that the insurance would have taken care of, would have paid for, but because she signed
• It was something that the insurance would have taken care of, would have paid for, but because she signed

Bills: SB63, SB80, SB63, SB80

Keywords: immigration, law enforcement, fingerprints, DNA collection, illegal aliens, Alabama state law, SB80, Buddy Sharpless Education Institute, Alabama Local Government Training Institute, county commissioner training, local government training, ethics training, State Ethics Commission, county commissioners, Association of County Commissions of Alabama, local emergency management director, public officials, municipal officials, Alabama Code Title 11, Alabama Code Title 31

Transcript Highlights:

• I think that when we are talking about procedures that insurance companies are not involved in, that
• I think we all understand the fact that the way insurance is now being run is very egregious towards
• One of the things that these these insurance contracts can do is they can change the contract at any
• If the service is not actually covered, paid for by the insurance company, they shouldn't.
• Business and Insurance will meet in room 535, 10 minutes after the start of telecommunications.

Bills: SR29, SB667, SB1466, SB1942, SB1989, SB1670, SB1716, SB1521, SB1273, SB1433, HJR1032, SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364

Keywords: chiropractic, licensure, animal chiropractic, Board of Chiropractic Examiners, licensing requirements, midwifery, healthcare, Advisory Committee, state health policy, public safety, dental insurance, health care, medical necessity, insurance claims, dentist rights, Oklahoma College Savings Plan, 529 plan, 529 savings account, college savings, higher education savings

Transcript Highlights:

• Do you know what the insurance company costs?
• department insurance carriers insurance agents consumer advocates for those folks that have struggled
• This is not an insurance bill; this is a beer bill, right?
• Follow up: So don't we talked earlier about insurance? So businesses can get insurance, can't they?
• in businesses and property, the insurance company basically, you're paying for the insurance company

Bills: SB1241, SB1242, SB1442, SB1592, SB1623, SB1625, SB1913, SB1940, SB1949, SB2102, SB592, SB992

Keywords: ticket sales, resale, consumer protection, fraud, bots, transparency, refunds, event tickets, medical marijuana, cannabis, marijuana license, commercial grower, grow operation, bond requirement, land reclamation fee, revolving fund, environmental remediation, redevelopment, Oklahoma Medical Marijuana Authority, OMMA

Transcript Highlights:

• or will it save costs to the insurers?
• commissioner may refuse to renew suspend put on probation or revoke an insurance certificate of authority
• Captive Insurance Association to improve the statutes surrounding the captive insurance framework.
• This gives the insurance commissioner a little bit More scrutiny and rates, this is what we had with
• This is kind of the affordability in trying to increase the ability of an insurance commissioner to scrutinize

Bills: HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Transcript Highlights:

• must require this information, providing some discretion to the Commissioner of Administration.
• Deputy Commissioner Raytan is not here. There she is. Sorry.
• For the record, I'm Britta Raton, Deputy Commissioner at Minnesota Management and Budget.
• Next, we will have Deputy Commissioner Christensen. Please introduce yourself for the record.
• Members, questions for the Deputy Commissioner? Okay, thank you very much, Chair Cleaborn.

Bills: HF627, HF474, HF361, HF1837

Keywords: HF627, fiscal note, fiscal notes, Minnesota Legislature, state government, committee procedure, ranking minority member, minority party, standing committee, Ways and Means, Finance Committee, legislative process, budget analysis, fiscal impact, Minnesota Statutes 3.98, committee chair, legislative transparency, HF474, Hubert H. Humphrey, Henry Mower Rice

Transcript Highlights:

• So, uh, we have uh Deputy Commissioner Ran is not here. She—oh, there she is.
• For the record, I'm Britt Ron, Deputy Commissioner at Minnesota Management and Budget.
• <01:18:04.360> ran Deputy Commissioner ran Deputy Commissioner ran is<01:18:08.120> not
• Next we will have Deputy Commissioner Christensen.
• Stacy Christensen, Deputy Commissioner at the Department of Administration. I will be brief.

Bills: HF627, HF474, HF361, HF1837

Keywords: HF627, fiscal note, fiscal notes, Minnesota Legislature, state government, committee procedure, ranking minority member, minority party, standing committee, Ways and Means, Finance Committee, legislative process, budget analysis, fiscal impact, Minnesota Statutes 3.98, committee chair, legislative transparency, HF474, Hubert H. Humphrey, Henry Mower Rice

Transcript Highlights:

• Specifically, SB1642 replaces TDI's current single-commissioner model with a three-commissioner structure
• It's a one... ...commissioner, you know, a one-commissioner agency that reports to the governor.
• We moved to a single commissioner.
• A revolving door between commissioners on a singular basis and the insurance industry as a whole, and
• In a 2021 study, it was found that 50% of state insurance commissioners nationwide had joined the insurance

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Transcript Highlights:

• Who is the Commissioner of Administration, and I have Deputy Commissioner Britta Rutan from MMD who can
• And I believe we have Commissioner Grunvall with us today.
• Thank you, Deputy Commissioner.
• Commissioner Chaffee, Chair, members, for the record, Blake Chaffee, Deputy Commissioner at Minnesota
• Folks are often surprised to know there are no commissioners in the commissioners' plan.

Bills: HF2783, HF2603, HF2846, HF2354, HF1836, HF2713, HF1198, HF1389

Keywords: state government finance, biennial budget, appropriations, Minnesota Management and Budget, Healthy Aging Subcabinet, Office of Healthy Aging, older adults, aging policy, long-term care, caregivers, public health, Medicaid fraud, medical assistance fraud, attorney general subpoena power, fraud enforcement, business filing fraud, Secretary of State, deceptive mailings, consumer protection, certified public accountant

Transcript Highlights:

• Um and I believe we have Commissioner<00:10:11.920> Gronvall Commissioner Gronvall Commissioner
• Uh, thank you, Commissioner. Thank you, Commissioner.
• Thank you, Commissioner. Um do we have Thank you, Commissioner.
• number of commissioners. number of commissioners.
• Deputy<00:58:48.800> Commissioner<00:58:49.280> AG Deputy Commissioner AG Deputy Commissioner

Bills: HF2783, HF2603, HF2846, HF2354, HF1836, HF2713, HF1198, HF1389

Keywords: state government finance, biennial budget, appropriations, Minnesota Management and Budget, Healthy Aging Subcabinet, Office of Healthy Aging, older adults, aging policy, long-term care, caregivers, public health, Medicaid fraud, medical assistance fraud, attorney general subpoena power, fraud enforcement, business filing fraud, Secretary of State, deceptive mailings, consumer protection, certified public accountant