Video & Transcript Research : 'cost of borrowing'

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LA

Louisiana 2026 Regular Session

Insurance May 6th, 2026

Insurance

Transcript Highlights:
  • They pay the net cost of the drug.
  • net cost of drugs, which gets built into premiums.
  • you know, cover the costs of the drugs.
  • They had no out-of-pocket cost, and they have no out-of-pocket cost in these programs for the entire
  • Health insurance costs a lot of money. We get lots of complaints about rising premiums.
TX

Texas 89th Regular

Delivery of Government Efficiency May 7th, 2025

Delivery of Government Efficiency

Transcript Highlights:
  • a button, gave an all-inclusive cost that was at least half of what the cost would be here in our own
  • And finally, this program creates more. by allowing individuals to know the exact cost of their surgical
  • care standards are met and that the procedure's cost is lower than if performed elsewhere. outside of
  • An out-of-network provider could also show what their total end cost would be.
  • We spend 4.9 trillion dollars a year on medical costs. That's 17.6% of our GDP.
MN

Minnesota 2025 1st Special Session

House Energy Finance and Policy Committee 2/20/25

Energy Finance and Policy

Transcript Highlights:
  • <00:20:04.360> of conducting a comprehensive cost of conducting a comprehensive cost of service
  • I want to take the little bit of time I have to talk about the idea of the cost shift because I just
  • > shift<00:34:36.839> because about the idea of the cost shift because about the idea of
  • It includes the avoided cost of building new generation.
  • avoided cost whereas what the value of avoided cost whereas what the value of solar<01:36:22.520
Bills: HF845
AL

Alabama 2026 1st Special Session

Alabama Senate County and Municipal Government Committee Mar 17th, 2026

County and Municipal Government

Transcript Highlights:
  • Because one of them is budget and I don't know if he counts. >> He doesn't count.
  • It is permissive legislation that allows a municipality to adopt a Firefighters Bill of Rights.
  • that are insurers for municipalities that have a lot of concerns, and I just wanted to let you know
  • I wanted to make sure we got your bill given the timing now, got it in committee and probably out of
  • municipalities that have a lot of municipalities that have a lot of concerns<00:03:54.640> and
AL

Alabama 2025 Regular Session

Alabama House Insurance Committee Feb 19th, 2025

Insurance

Transcript Highlights:
  • Father, help us to understand the needs of the least of these, and guide us and enlighten us.
  • It's in the mighty, matchless name of Jesus we do pray. ...matchless name of Jesus we do pray.
  • Since it's the first committee meeting of the session, I want to go over some general rules of how we'll
  • The second amendment is another kind of technical amendment that just clarifies the provisions of this
  • We passed this out of this committee last year and we passed it out of the house 102 to nothing.
OK

Oklahoma 2026 Regular Session

Judiciary and Public Safety Oversight Mar 5th, 2026 at 10:30 am

Judiciary and Public Safety Oversight

Transcript Highlights:
  • From a legal standpoint, we've never had a definition of 'cost judgment' or 'criminal judgment.'
  • On the definition of holistic, yeah, so Right now, I believe we had taken that part kind of out of there
  • By ordering the defendant to give up a bond of up to 10% of the current market value of the property.
  • It also helps the judge if the defendant is generally responsible for the cost of this monitoring device
  • So I know that this is kind of one of those topics right now that's also heavy among all of us.
AZ

Arizona 2026 Regular Session

02/16/2026 - Senate Military Affairs and Border Security

Military Affairs and Border Security

Transcript Highlights:
  • consent of the American people to change the condition of our nation from one of peace to one of war
  • Chair and members, the National Guard is one of the most cost-effective and battle-proven forces our
  • I was a commander of the kind of drug task force.
  • And so... ...of it, it's about the funding side of it and the political side of it.
  • of the board.
Summary: The committee first approved the February 9, 2026 minutes and then took up Senate Bill 1618, which would restructure the Military Affairs Commission by changing membership, adding defense and industry expertise, expanding advisory roles, requiring more frequent meetings, and directing the commission to focus on sustaining and attracting military missions and defense-related economic activity. After testimony in support from the Southwest Mission Acceleration Center and a DEMA representative, the committee adopted the Gowan amendment and gave SB 1618 a do-pass recommendation by a 6-1 vote. The committee then heard Senate Bill 1047, the “Defend the Guard” bill, which would bar Arizona National Guard members from being sent into active-duty combat overseas unless Congress has declared war or otherwise expressly authorized the action. Supporters, including veterans and activists, argued it would restore constitutional limits and protect Guard members from unauthorized wars; opponents warned it could harm Guard readiness, federal funding, and the Guard’s role in state missions. After extended debate, the committee passed SB 1047 on a 4-3 vote. Next, Senate Bill 1474 was heard, which would require state and local law enforcement to cooperate with federal immigration authorities, prohibit restrictions on such cooperation, and require sheriff’s offices to enter 287(g) agreements under the amendment. The bill drew strong opposition from clergy and community members who argued it would increase fear, racial profiling, and unfunded mandates, while supporters said it would improve cooperation and public safety. The committee adopted the amendment and gave SB 1474 a do-pass recommendation by a 4-3 vote. The committee also considered Senate Bill 1620, which would revise the Arizona Space Commission by reducing governor appointments, adding the lieutenant governor as chair, and making legislative and executive leaders nonvoting advisory members. The sponsor said the changes would better align the commission with Arizona’s growing aerospace and space interests. The bill received a do-pass recommendation on a 5-1 vote. Finally, the committee began consideration of Senate Bill 1365, which would remove the income cap for the property tax exemption available to disabled veterans on their primary residence; discussion focused on the fairness of eliminating the cap, and the committee moved to adopt the strike-everything amendment before the transcript cuts off.
AL

Alabama 2026 1st Special Session

Alabama House Insurance Committee Jan 14th, 2026

Insurance

Transcript Highlights:
  • If it doesn't get one, then it will fail for lack of a second.
  • If it doesn't get one, then it will fail for lack of a second.
  • She's going to be based out of our office.
  • She's going to be based out of our office.
  • I almost forgot before we adjourn out of here.
Bills: SB19, HB40, HB27, HB40, HB27, HB40, HB27
TX
Transcript Highlights:
  • Transmission cost of service update—that's a twice-a-year update.
  • Of any costs or any adjustments, we in testimony are offering those adjustments along with any of those
  • If some of those costs vary more than we expected them to, that's...
  • It was just something that kind of came to us in... and again looking at some of those... hidden costs
  • For transmission costs, which is one of the areas where the PUC reviews the rates of municipally owned
MN

Minnesota 2025-2026 Regular Session

Commerce Committee Meeting - 2026-03-26

Commerce Finance and Policy

Transcript Highlights:
  • of the mandates that we have passed previously is whether or not they impact the ongoing cost of care
  • of the costs that will cover the share of the costs that otherwise<00:35:14.800> would<00:35:
  • <00:35:26.240> unfunded concerns about costs of unfunded concerns about costs of unfunded mandates
  • <00:38:02.960> the<00:38:03.160> mandates cost estimates of some of the mandates cost
  • So you know when ongoing cost of care.
HI
Transcript Highlights:
  • <00:12:15.600> Agriculture we have the Department of Agriculture we have the Department of
  • with the department of agriculture. with the department of agriculture.
  • behalf of the Chamber of Commerce Hawaii.
  • of this measure and the directors of of this measure and the directors of labor<00:59:04.319>
  • support of this measure.
Summary: The joint House Committee on Tourism and House Committee on Agriculture and Food Systems heard House Bill 2585 on agricultural tourism. The bill would create statewide uniform standards for agritourism in counties that adopt such ordinances, require registration with county planning departments, and require agritourism to remain secondary and accessory to farming. The Department of Agriculture and Biosecurity supported the measure but recommended amendments to make the language more consistent and to ensure agritourism remains tied to agricultural activity; the Hawaii Farm Bureau also supported the bill with the same general guardrails, while the White Tourism Authority offered comments. A member raised concerns about a trailer/roadside-stand provision, and the department ultimately said it did not support that specific language. The chairs then recommended passage with amendments, including a definition of principal farm operations, clarification that agritourism must not interfere with on-farm operations, revised termination rules after 60 consecutive days without active production with notice and cure procedures, restoration of the department’s proposed change to the trailer language, and technical corrections. HB 2585 passed both committees unanimously with excused members noted. The committees then heard House Bill 2602 on sustainable tourism infrastructure, which would establish a matching grant program in the Department of Business, Economic Development and Tourism for capital projects that improve sustainability and climate resilience in the visitor industry. The Chamber of Commerce Hawaii testified in support. The chair recommended passage with a committee report note estimating a roughly $5 million cost and a date correction, and both committees adopted the recommendation unanimously. House Bill 1948 on single-use plastics was also heard. It would prohibit lodging establishments from providing certain personal care products in small plastic containers and impose civil penalties. The Department of Land and Natural Resources stood on its testimony, and the Department of Health supported the waste-reduction goal but suggested the language belonged in a different chapter. The chair recommended an HD1 that would omit lotions from the definition of personal care products, adopt the Department of Health’s proposed clarification about reusable containers, and correct the date; the measure passed both committees unanimously. Finally, House Bill 1960 on human trafficking was heard. The bill would require the Attorney General to develop human trafficking awareness training for transit accommodation workers, require employers to provide training, keep records, post signage, adopt prevention policies, and report suspected trafficking, with penalties and rulemaking by the Department of Labor and Industrial Relations. The Department of Labor Relations supported the intent but said the Department of Law Enforcement should be the lead agency, and the Hawaii Hotel Alliance strongly supported the bill while asking for amendments to recognize existing industry programs and apply the requirements equitably. The chair recommended an HD1 incorporating a July 1, 2027 deadline for training materials and employer training, adopting the hotel industry and DLE-related amendments, and making technical corrections; HB 1960 passed both committees unanimously.
AL

Alabama 2025 Regular Session

Alabama Senate County and Municipal Government Committee Mar 18th, 2025

County and Municipal Government

Transcript Highlights:
  • The goal is that they have full notice of the cost of buying debt, and many times you... ...the cost
  • This piece of legislation is not going to take down the cost of eggs.
  • Not going to take down the cost of eggs.
  • If you retire, you have received your cost of living or whatever, but you're...
  • Cost of living or whatever, but you're retiring, and a new person is brought in.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Mar 31, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • You've heard concerns about cost and complexity. The cost of underinsurance already exists.
  • The cost of underinsurance complexity. The cost of underinsurance already<01:19:49.680> exists.
  • And then have the insurer re-evaluate the rebuild cost of the house based on that information.
  • <01:28:03.200> of<01:28:03.240> the re-evaluate the rebuild cost of the re-evaluate
  • cost and value of said improvements. cost and value of said improvements.
Summary: The committee first heard HCR 168 and HR 158, which would create a temporary working group to study utility capacity, coastline infrastructure lifespan, and the costs of needed expansions. Public Utilities Commission staff said the commission was not the right entity to direct all of the work because it lacks authority over many affected agencies. Members discussed whether the study should be limited to a coastal area or broadened to the whole island, and in decision-making the committee amended the measure to focus on the County of Honolulu, correct references to the Public Utilities Commission, and revise the working group membership to include the PUC chair, legislative designees, and directors or designees from DLNR, DOT, HIEMA, and DCCA Consumer Advocacy. The committee then passed both resolutions with amendments; the vote was adopted unanimously, with some members excused. The committee next considered HCR 145 and HR 137, which would convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division stood on its written comments, the Climate Change Mitigation and Adaptation Commission supported the intent, and the Attorney General opposed the measure, warning that a working group could create discoverable materials that might complicate the state’s climate litigation and noting a technical ambiguity in the reference to the Hawaii Hurricane Relief Fund administrator. After questions about discovery and the lawsuit, the committee amended the resolutions to replace the administrator reference with the chair of the Hawaii Hurricane Relief Fund Board of Directors, remove the Attorney General as convener while keeping the office as a member, and have the working group share findings and recommendations with the House CPC and Senate CPN committees instead of issuing a report. The committee passed the measures with amendments, with Rep. Martin voting with reservations. In the later agenda, the committee heard SB 2607, SD 1 on landscape architect licensure. The Board of Professional Engineers, Architects, Surveyors, and Landscape Architects supported the bill, explaining it modernizes licensure requirements to align with national standards and clarifies the profession’s design-focused role. The bill was discussed as distinguishing landscape architecture from groundskeeping and from civil engineering drainage work. No opposition was heard. The committee also heard SB 2031, SD 2 on consumer protection and price transparency for live ticket events and short-term lodging. The Office of Consumer Protection supported the bill, saying it largely mirrors an FTC rule requiring all-in pricing and would give the state enforcement authority and remedies. The Hawaii Financial Services Association opposed the bill as drafted and sought a limited exemption for credit card issuers relying on third-party hotel information, while the Hawaii Hotel Alliance supported the measure but asked for language deeming compliance with the federal rule sufficient for short-term lodging. Committee members questioned whether those proposed exemptions would conflict with federal law or weaken state enforcement, and the discussion focused on preemption, liability, and the value of state remedies such as restitution.
OK
Transcript Highlights:
  • cost.
  • , collection, and administrative costs that we're feeling for those of us fortunate enough to have health
  • costs, but that out-of-pocket isn't collectible.
  • They've liked to shift the cost or the loss of funds to the hospitals and to the physician groups, but
  • It's not my expertise, and so I wouldn't think that they would need extra costs in the form of SGNA or
HI
Transcript Highlights:
  • Right now, when adjusted for cost of living, Hawaii's teachers are among the lowest paid in the nation
  • The high cost of living makes it very difficult for teachers to stay here, which also leaves many teachers
  • So we're looking at the cost of that. >> Right now you use I-Ready as an intervention, right?
  • Isn't it better and more cost-effective when we go with one or two instead of having many more choices
  • <02:04:12.800> the need to pause based on some of the need to pause based on some of the costs
Bills: HB1890, HB1888, HB1676
Summary: The committees heard three measures, beginning with HB 1890 HD3, which would provide automatic step increases and a COVID-era retention bonus for teachers. Supporters included HSTA, the Democratic Party’s Education Caucus, and a student who said higher pay and predictable salary growth would help retain teachers in Hawaii. The Department of Education supported the intent but asked that the bill be expanded to cover all department employees. The Attorney General’s office said the draft needed clarification to avoid conflict with Chapter 89 and to make clear any funding was subject to legislative appropriation. The Office of the Public Defender and B&F testified in opposition, and committee members questioned whether the step increases were already in the current contract and whether the bill was needed. HSTA said the current contract includes automatic step increases subject to funding, but argued the bill was still needed because funding is not guaranteed and the measure would codify the policy. HSTA also said the COVID bonus would apply only to active teachers who worked during the pandemic and estimated the total cost at roughly $150 million to $200 million over four years. No vote was taken in the portion provided. The committee then took up HB 1888 HD3, which would require DOE and charter schools to report harassment incidents and strengthen penalties for harassment of educational workers from a petty misdemeanor to a misdemeanor. DOE supported the bill and suggested narrowing language about assisting workers with temporary restraining orders, saying that function would be better handled through the Attorney General’s pilot program. The Office of the Public Defender opposed the bill, arguing the harassment language was overly broad, vague, and potentially unconstitutional, and that existing assault and terroristic threatening statutes already protect educational workers. HSTA, the State Commission on the Status of Women, and several individual testifiers supported the measure, describing increased intimidation and harassment of teachers and other school staff, especially since COVID. The Special Education Advisory Council opposed the bill’s language on “disrupting and interfering” with school functions, saying it could chill parents of students with IEPs from advocating for their children. Testimony was split, with the chair noting 20 in support and 16 in opposition in the portion shown. A final witness, Michelle Pestana, testified in opposition based on her family’s experience with special education services, describing alleged seclusion and restraint of her daughter and expressing concern that DOE testimony in prior hearings had targeted special education parents. Her remarks were cut off as time expired. The transcript ends before any committee action or vote on HB 1888 was taken.
AZ

Arizona 2026 Regular Session

03/18/2026 - Senate Health and Human Services

Health and Human Services

Transcript Highlights:
  • of Arizona.
  • While families cannot afford the cost of living, Republicans are purposely underfunding the very systems
  • the appropriateness and cost effectiveness of drugs in the Medicaid program.
  • And so we oppose the strike-everything amendment. ...and cost effectiveness of drugs in the Medicaid
  • of... ...as you mentioned, and that could certainly bias audits and increase the cost of litigation,
Summary: The committee first heard a presentation from Central Arizona Shelter Services (CASS) on homelessness in Maricopa County and CASS programs for single adults, families, and older adults. The witness described rising homelessness, especially among older adults, and said recent declines were linked to American Rescue Plan Act funding for shelters and flexible rental assistance. Members asked about CASS partnerships with mutual aid and service organizations; the witness described collaborations for food, banking, haircuts, digital access, and behavioral health. No vote was taken on this presentation. The committee then considered HB 2248, the Arizona Medical Freedom Act, which would bar businesses, schools, and government entities from denying services or employment based on medical interventions and limit employer medical requirements, with a school outbreak amendment adopted. Proponents framed the bill as protecting bodily autonomy and informed consent, while opponents argued it would weaken employers’ ability to control communicable diseases and protect public health. The committee adopted the amendment and advanced the bill on a 4-3 vote. It also advanced HB 2906, requiring one oral and maxillofacial surgeon on the State Board of Dental Examiners, and HB 2189, directing the Nursing Board to implement rules for licensed health aides performing routine ventilator care; both passed with amendments and strong support from sponsors and board representatives. Later, the committee approved HB 2403, appropriating $2.5 million in FY2027 for home- and community-based services providers serving elderly and physically disabled Arizonans. Supporters said the funding would help retain caregivers and reduce more expensive hospital or facility care. The committee also passed several continuation bills, including HB 2731 for the Physician Assistants Board, HB 2730 for the Occupational Therapy Board, and HB 2729 for the Nursing Board, all on largely party-line or near-unanimous votes after testimony from board staff emphasizing public protection and oversight. The committee then took up HB 2728, a DES continuation bill that also incorporated nine previously vetoed policy bills affecting SNAP, unemployment, and related benefits. Opponents argued it would make access to essential benefits harder and turn a routine continuation bill into a vehicle for controversial policy changes; supporters said it was needed for oversight and program integrity. The bill advanced on a 4-3 vote. Finally, the committee approved HB 2048, a strike-everything amendment requiring AHCCCS to treat a new non-opioid pain medication no more restrictively than opioids in utilization controls, and ACR 2058, which would require a comprehensive Medicaid claims audit funded by recoveries. Both measures drew support from sponsors and some personal testimony, while opponents warned about cost, duplication of oversight, and incentives that could bias audits; each advanced on 4-3 votes. The committee then adjourned.
AL

Alabama 2026 1st Special Session

Alabama House Economic Development and Tourism Committee Mar 4th, 2026

Economic Development and Tourism

Transcript Highlights:
  • Chair, members of the committee.
  • SB 251 is the same bill that this committee passed out of his House bill and kind of changed.
  • is their line of credit.
  • advantage of not not charging consumers. advantage of not not charging consumers.
  • and and carry this piece of legislation. and and carry this piece of legislation.
Bills: SB277, HB395, HB482, SB251, HB513
KY
Transcript Highlights:
  • <00:28:16.720> of is this going to increase the cost of is this going to increase the cost
  • the state. talked about cost of frail and I think a talked about cost of frail and I think a lot<00:
  • <00:31:19.120> of legislature that triggered the cost of legislature that triggered the cost
  • That's the cost of the unit cost.
  • <00:57:43.520> of if we do end up triggering the cost of if we do end up triggering the cost
Summary: The Interim Joint Committee on Banking and Insurance met for its first interim meeting, established a quorum, approved routine opening items, and welcomed a new committee assistant and a legislative intern. The committee first heard a Kentucky Bankers Association presentation from Tim Shank and John Cooper focused on the state’s housing shortage, which they described as affecting all 120 counties and especially low- and moderate-income and workforce housing. They urged support for a proposed $20 million banker-backed revolving fund, paired with tax credits, to finance new housing construction; they said the program would be flexible, could support alternatives such as manufactured housing, and would use below-market loans with tax credits vesting over five years only after units are completed. They also asked for extension of the historical tax credit carryforward from five to seven years and for continued support of new market tax credits, arguing that supply-chain delays make the longer period necessary for historic rehabilitation projects. The bankers also raised concerns about credit unions, arguing that because credit unions do not pay the same taxes as banks, they should not be allowed to acquire healthy state-chartered banks or hold state and local deposits. They cited the recent purchase of First State Bank of Middlesborough as an example, saying the transaction would reduce state, county, and city tax revenue and weaken local tax bases. In response to committee questions, the presenters said local regulations, zoning, parking, sidewalk, and utility easement issues can significantly delay housing projects, and they emphasized that state policy and infrastructure support are needed to help address affordability and development barriers. The committee then shifted to a Department of Insurance presentation by Commissioner Sharon Clark on how to read KRS 6.948 health mandate and federal cost defrayal impact statements. Clark explained that the mandate statements were created in 1998 so legislators would have actuarial estimates of how proposed health insurance mandates would affect administrative costs, premiums, and total costs, and she noted that later legislation added federal cost-defrayal analysis. She also reviewed the background of the Affordable Care Act’s essential health benefits framework and said the department’s statements are intended to help lawmakers make informed decisions on proposed health coverage mandates. No votes or formal actions were taken during the portion of the meeting provided.
TX
Transcript Highlights:
  • And if some of those costs vary more than we expected them to, that's part of why.
  • Have you ever denied any of these costs?
  • you're going to end up having to front some of those costs.
  • So what kind of cost do you see water utilities bear out?
  • And this body has reacted over time to out-of-control costs.
Summary: The Senate Business and Commerce Committee met with a quorum and first took up pending business, voting out several bills. Senate Bills 1697, 1569, 1202 as substituted, 1029, 1364, 1185, 924, 1008 as substituted, 264, 1376, and 1358 as substituted were reported favorably, with some sent to the local and uncontested calendar. The committee also adopted a substitute for SB 1202 and later corrected votes on several measures. SB 924 and SB 1376 drew some opposition, while the rest of the pending bills were reported without dissent or with limited nays. The committee then heard testimony on SB 1856, which would create an annual capacity-cost recovery rider for Entergy Texas customers in the MISO region. The author and Entergy argued the bill would better match rates to actual capacity costs and improve transparency, while the Texas Association of Manufacturers and the Public Utility Commission raised concerns about the short 10-day review period, rider proliferation, and the preference for full rate cases over piecemeal adjustments. The bill was left pending. The committee also heard and left pending SB 522 on CPA reciprocity, SB 1664 requiring TDUs to provide clearer, standalone rate-change disclosures, SB 1877 expanding OPUC’s access to market data, SB 1254 and SB 1255 as TDLR cleanup bills on professional employer organizations and mold assessors, SB 1341 updating manufactured housing rules, SB 1239 on sovereign debt and Texas governing law, and SB 1259 streamlining the surveyor-in-training licensing process. Additional bills discussed included SB 1977, which would cap recoverable legal expenses in electric, water, and sewer rate cases; OPUC and some consumer advocates supported the idea as a way to reduce ratepayer costs, while utility representatives warned it could discourage participation and increase rate shock. The committee also heard SB 1762 clarifying that geothermal energy conservation wells are not battery resources, and SB 783 allowing SECO to proceed with future energy-code rulemaking for state-funded buildings. Both drew supportive testimony from industry and environmental groups. All remaining bills heard during the meeting were left pending, and the committee recessed subject to the call of the chair.