Video & Transcript Research : 'creditors'
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NH
New Hampshire 2025 Regular Session
Commission to Study Stable Tokens (11/12/2025)
Transcript Highlights:
- Um, and we don’t want to protect those funds from creditors.
- Um, and we don’t want to protect those funds from creditors.
- Um, and we don’t want to protect those funds from creditors.
- Uh, the deal basically is creditors.
- creditor, prospective creditor on the horizon, someone who might come after you in a civil case, that's
Summary:
The commission met on November 12 and first approved the September 17 and October 15 draft minutes unanimously after brief discussion. Members also identified themselves for the record, including a new member from Bumpsk Bank, a staff attorney from the Secretary of State’s Bureau of Securities Regulation, a prior crypto commission participant, and a uniform law commissioner involved in tokenization projects.
The main presentation was by UNH law professor Seth Orinberg, who discussed the federal GENIUS Act and the pending Clarity Act and how they affect New Hampshire’s options in the digital asset space. He described the GENIUS Act as governing payment stablecoins/stable tokens, defining them as blockchain-based assets used primarily for payments, redeemable for a fixed amount of national currency, and required to maintain stable value. He said the law creates three possible state roles: hosting federally qualified issuers, becoming a state qualifier for issuers up to a $10 billion threshold, or exploring state-backed issuance as a sovereign. He noted that the state-qualification path would require conforming legislation, examination capacity, and coordination with Treasury, while the sovereign-issuer theory is legally uncertain and may become a test case.
Orinberg also outlined the core compliance framework he said applies to covered issuers: 100% reserve backing in high-quality liquid assets, monthly public reserve reporting, no yield or interest-like rewards, segregation of reserve assets, immediate redemption at face value, and anti-money-laundering/know-your-customer obligations. He then turned to the Clarity Act, describing it as a broader market-structure bill that would create categories such as digital asset, digital commodity, digital security, and ancillary asset, with self-certification procedures for issuers. He said the two federal laws together would separate payments from investments, preempt inconsistent state standards for covered payment stablecoins, and likely reshape the boundaries of state authority over digital assets.
NH
Transcript Highlights:
- , that it would be voidable by creditors under the procedures provided in the act, and also in bankruptcy
- ,<00:36:06.765>
[clears throat] or defraud creditors, [clears throat] or defraud creditors - that it would be voidable by creditors that it would be voidable by creditors under<00:36:10.600
- The idea there is that, as an empirical matter, most of the creditors of most of the debtors are located
- , the standard of proof defraud creditors, the standard of proof for<00:39:26.920>
claims <00:39
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Housing Jun 21st, 2026 at 11:00 am
Joint Committee on Housing
Transcript Highlights:
- decided not to allow condominium conversions in a petition to partition was it was brought by a creditor
- The petition was brought by a creditor to sell off someone's interest to get money.
- Brought by a creditor in order to sell off someone's interest to get money.
- got a law that you can sell the house out from under you, and in this case it happens if there's a creditor
Summary:
The Joint Committee on Housing held its 12th hearing of the session, chaired by Representative Richard Haggerty and Senator Julian Cyr, and heard testimony on two bills: H. 5317, concerning condominium conversion of co-owned two-unit buildings, and H. 5447, a home rule petition for an affordable housing trust fund in West Tisbury. The chair outlined a hybrid hearing format, three-minute testimony limits for individuals, and a July 31 deadline for written testimony.
Peter Harrington testified in support of H. 5317, arguing that the partition law is outdated and should be updated so courts can use the condominium statute when dividing co-owned property. He said the change would help preserve middle-class housing, especially two-family homes that might otherwise be sold, torn down, or redeveloped into more expensive housing. Committee members asked about how common the issue is and whether it is more case-specific; Harrington said it arises at the lower end of Chapter 241 cases but is not unusual.
Laura Silber testified in support of H. 5447 on behalf of West Tisbury’s Affordable Housing Committee and the Martha’s Vineyard Commission. She said the bill would let the town’s affordable housing trust serve households up to 180% of area median income and better support seasonal communities tools, including housing for essential public-sector workers and acquisition of year-round deed restrictions. Senator Cyr questioned whether the home rule petition was necessary if technical fixes to the seasonal communities law are enacted, and Silber said the petition was a short-term measure while the towns await statutory changes and work toward a pooled year-round housing trust. No votes were taken, and the committee adjourned after testimony concluded.
MA
Massachusetts 2025-2026 Regular Session
Continuing Care Retirement Communities Jun 21st, 2026 at 10:00 am
Transcript Highlights:
- But they're not secured creditors.
- The banks, the bondholders are the secured creditors, but when the bankruptcy court looks at it, they're
- Bondholders are the secured creditors.
- country, as Jim mentioned, that resident refunds are, I would say, they're considered unsecured creditors
- , whereas the lenders and/or investors, bondholders are secured creditors.
Summary:
The commission met at Brookhaven at Lexington to continue discussing continuing care retirement communities (CCRCs), with a focus on financial viability, entrance fees, refund policies, and how the industry is evolving. Speakers explained that nonprofit CCRCs have shifted away from building entirely new campuses since the 2008 financial crisis, and now more often grow through expansions, affiliations, mergers, or added home- and community-based services. They also noted that many newer CCRCs, especially nationwide, are being built without on-campus skilled nursing, relying instead on assisted living, memory care, or off-site arrangements, and that zoning and local approval can affect expansion plans.
A substantial portion of the discussion centered on financial health and consumer protection. Panelists said the most important indicators of a strong CCRC are high occupancy, strong liquidity, and reinvestment in the property, with low occupancy and declining days cash on hand cited as warning signs. They described how actuarial reviews are used to estimate health care utilization and set pricing, and said staffing shortages are often a bigger financial pressure than resident care utilization itself. On refunds, speakers said entrance-fee refunds are generally paid when a unit is resold and the new entrance fee is received, and that resident refunds are usually protected even in bankruptcy, though residents are unsecured creditors. Massachusetts examples such as Reed’s Landing and the Groves were cited as cases where residents remained in place and refunds were ultimately protected.
The group also discussed a pending disclosure bill on Beacon Hill related to entrance fees and refund transparency. LeadingAge Massachusetts said it supports clearer disclosure so residents understand refund provisions, and reported that among surveyed member CCRCs, the average time to provide an entrance-fee refund over the past two years was about 117 days. Participants emphasized the need to balance consumer protection with preserving the financial stability of the communities. The commission also reviewed upcoming dates: a virtual public hearing/listening session on June 16, the next commission meeting on June 23, and a later discussion planned on consumer rights, protections, and advertising practices. The meeting concluded with introductions of commission members and an invitation for attendees to tour the Brookhaven campus.
MN
Minnesota 2025-2026 Regular Session
Committee on Agriculture, Veterans, Broadband and Rural Development - 02/18/26
Agriculture, Veterans, Broadband, and Rural Development
Transcript Highlights:
- If they file for mediation in 14 days, then the creditor, the initial creditor, can continue with legal
- debtor and the creditor. debtor and the creditor.
- Creditors may have to change the creditors may need to restructure debt or security, reschedule
- loan payments, and again restructure creditors.
- A trust is built and creditors.
TX
Texas 89th Regular
Pensions, Investments & Financial Services Apr 7th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- I would ask you all to imagine the fear that takes place when a creditor tries to call and collect the
- through the divorce and try to make him responsible for the debt, but at the end of the day, the creditors
- Currently, the law prohibits an electronic payment option for creditors to offer their customers for
- Chapter 348.41.34 clarifies that creditors subject to Chapter 348 may offer their customers various payment
- This bill simply gives the same option to the creditors.
Keywords:
HB 3803, Texas Health and Safety Code, Chapter 712, perpetual care cemetery, perpetual care trust fund, cemetery regulation, financial confidentiality, confidential records, regulatory examination, Texas Department of Banking, commissioner disclosure, interagency information sharing, state agency enforcement, federal agency disclosure, trust fund oversight, burial services, cemetery trust, consumer protection, state banks, Texas Finance Code
TX
Texas 89th 2nd C.S.
Pensions, Investments & Financial Services Apr 7th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- And I would ask you all to imagine the fear that takes place when a creditor Molly Voyles: tries to call
- But at the end of the day, the creditors were still going to be able to come after her.
- Currently, the law prohibits an electronic payment option for creditors to offer their customers for
- HB 4134 clarifies that creditors subject to Chapter 348 may offer their own customers various payment
- This bill simply gives the same option to the creditors.
NV
Nevada 2025 Regular Session
Senate Committee on Commerce and Labor May 31st, 2025 at 09:00 am
Commerce and Labor
Transcript Highlights:
- I'm an attorney, and I'm here on behalf of the Creditors' Rights Association, our creditors' rights attorney
- We represent creditors of all kinds, and mostly I have concerns with... ...move to the phone lines.
- I'm an attorney, and I'm here on behalf of the Creditors' Rights Association, our creditors' rights attorney
- We represent creditors of all kinds, and mostly I have concerns with... ...and creditors of all kinds
MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 3/25/25
Judiciary Finance and Civil Law
Transcript Highlights:
- to petition the court to resolve the problem, you will be liable to the judgment creditor for costs
- to petition the court to resolve the problem, you will be liable to the judgment creditor for costs
- to petition the court Judgment creditor to petition the court to<01:07:03.559>
resolve <01:07: - <01:07:06.839>
for liable to the Judgment creditor for liable to the Judgment creditor for - <01:07:26.079>
costs <01:07:26.520>and <01:07:26.680>reasonable the creditors
Keywords:
veterans, benefit services, accreditation, consumer protection, civil penalties, disclosure requirements, HF102, Sibley County Road 166, Freedom Drive, Arlington, Sibley County, Minnesota transportation bonds, bonding bill, capital investment, road extension, highway access, intersection improvements, right-of-way acquisition, water main, sewer improvements
TX
Transcript Highlights:
- Bill 804 would provide that obligations that cannot be considered a deposit establishing a debtor creditor
- apply to home loans for the collection of a judgment previously obtained prohibit debtors, or rather creditors
- consumer debt from a victim of identity theft if the consumer provides a court order, and require creditors
- And give creditors, debt collectors, or third-party debt collectors seven business days to cease debt
Bills:
HB 431, HB 1522, HB 1922, HB 2467, HB 2468, HB 3228, HB 3229, HB 3306, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 4344, HB 4386, HB 4739
Keywords:
HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency
TX
Transcript Highlights:
- Bill 3804 would provide that obligations that cannot be considered a deposit establishing a debtor-creditor
- Prohibit creditors, debt collectors, or third party debt collectors from attempting to collect a consumer
- debt from a victim of identity theft if the consumer provides a court order and require creditors or
- as a means of proving coerced debt and declaring the consumer a victim of identity theft and give creditors
Bills:
HB 431, HB 1522, HB 1922, HB 2467, HB 2468, HB 3228, HB 3229, HB 3306, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 4344, HB 4386, HB 4739
Keywords:
HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (01/23/2025)
Transcript Highlights:
- The second exception is that if the secured creditor is a creditor of a clearing entity, that secured
- creditor always has priority.
- The second exception is that if the secured creditor is a creditor of a clearing entity, that secured
- creditor always has priority.
- creditor always has priority.
Summary:
The committee first heard testimony on House Bill 167, a PFAS-related measure to add ski, snowboard, and boat wax to the state’s list of banned consumer products containing PFAS. The sponsor said the product is already banned in many other places, alternatives exist, and the concern is that these products go directly into water rather than landfills. She cited high PFAS levels in several New Hampshire lakes and argued the bill would help stop further contamination. A member of the public also described personal experience with ski wax products disappearing from the market, suggesting PFAS may have been the reason. The chair then closed the hearing on HB 167.
The committee next opened a hearing on House Bill 312, dealing with college athletes’ name, image, and likeness (NIL) rights. Representative Moffett explained the bill was prompted by the U.S. Supreme Court’s NCAA v. Alston decision and was modeled on New Jersey law. He said the bill would prevent colleges from restricting NIL compensation, require athletes to use licensed attorneys or registered sports agents, and limit certain endorsements involving addictive drugs, adult entertainment, firearms, and weapons. He framed the measure as a proactive response to a changing college sports landscape and noted possible future conflicts involving schools, agents, and endorsements.
Committee members raised several concerns and suggested changes. One member questioned the bill’s exclusion of two-year institutions, another objected to the weapons restriction, and others asked how the bill would affect scholarships. The sponsor said the intent was to protect scholarships, especially athletic scholarships, and clarified that need-based scholarships were not meant to be affected. He also acknowledged discomfort with the endorsement restrictions and said the committee might want to broaden or revise the language. The hearing remained open for further consideration, with no vote taken in the excerpt.
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 3/9/26
Agriculture Finance and Policy
Transcript Highlights:
- So there are changes that have to be made both on the side of the producer and of the creditor.
- It also shows you the kind of creditors.
- And then you can see where it divides up into other branches of creditors. and have them speak about
- And then you can see where it devise up into other branches of creditors.
- He couldn't keep dairying, and he had a creditor or a large lender coming in and pushing him.
Bills:
HF3692
Keywords:
Farmer-Lender Mediation Act, mediation, agriculture finance, debt relief, civil law, 1183, house
NH
Transcript Highlights:
- of the bank do deposit, the creditors of the bank do not<01:28:38.960>
get <01:28:39.120>to - And so the creditors of the depositor cannot reach it.
- It also provides protection for creditors who would seek to reach a beneficiary's rights.
- It also provides protection for creditors who would seek to reach a beneficiary's rights.
- <01:31:09.360>
are <01:31:09.520>concerned the depositor's creditors are concerned
TX
Transcript Highlights:
- Institutions must seek accreditation from approved agencies with at least a satisfactory rating. creditors
- It helps ensure creditor accountability by focusing.
- In recent years, there has been creditor involvement in governance, curriculum decisions, and other matters
- If a creditor receives an unsatisfactory rating, institutions must transition to a rated agency within
Keywords:
pediatrics, medical education, subsidiary, preceptorship, medical training, student programs, mental health, loan repayment, education funding, mental health professionals, healthcare access, Texas Success Initiative, exemption, public officers, employees, higher education, Capitol view, Austin, urban planning, construction
NH
Transcript Highlights:
- So, I think in the normal course of business, creditors, and that's who you're referring to, a creditor
- But in fact, creditors aren't the issue.
- to, a creditor of you're referring to, a creditor of somebody<00:15:35.279>
has <00:15:35.920> - But in susceptible to uh creditors.
- It's fact, creditors aren't the issue.
KY
Kentucky 2026 Regular Session
Senate Legislative Session Day 39 (3-4-26)
Kentucky Senate Floor Meeting
Transcript Highlights:
- This bill also protects creditors' rights and heirs of decedents as they would also have access to what
- This bill also protects creditors seal.
- This bill also protects creditors rights<00:10:29.200>
and <00:10:29.440>heirs <00:10:29.760 - The floor amendment also protected potential issues that were raised in the committee regarding creditors
- c> property If you want to pass on property to your son or your daughter, your grandchild, a creditor
Summary:
The Senate convened with an invocation and pledge, established a quorum, excused absent senators, and approved the journal. The clerk reported House-passed bills and Senate bills received from the House, and several Senate bills were read a second time and sent to the Rules Committee. Committee reports recommended passage of multiple measures, including bills from Appropriations and Revenue, Health Services, Natural Resources and Energy, State and Local Government, and Transportation. The chamber then moved to orders of the day and took up Senate Bill 50 and Senate Bill 191, while Senate Bill 137 and Senate Joint Resolution 54 were passed over and retained in the orders of the day.
Senate Bill 50, relating to the disposition of property, was explained as a broad update to trust, probate, and intestacy law. Supporters said it would streamline probate when there are no disputes, add privacy protections for decedents’ estate information, give courts more flexibility, set retention and filing-fee rules for wills, recognize electronic wills and other uniform-law concepts, and allow transfer-on-death designation for motor vehicles. A floor amendment removed inheritance-tax provisions and corrected technical issues; it was adopted, and the bill passed 35-1 after debate in favor from several senators and no substantive opposition.
Senate Bill 191, creating the Kentucky Kindergarten Readiness Performance-based Child Care Incentive Pilot Program, was also amended and passed. The bill would establish a three-year pilot administered by the University of Kentucky College of Education, providing a one-time $2,000 per child incentive payment or refundable tax credit to child care providers and low-income families when children are assessed as kindergarten ready. A floor amendment clarified that the study and recommendations must comply with federal child care regulations; it was adopted, and the bill passed 35-1 after a senator changed a vote from no to yes. The Senate then recessed for Rules and Committee on Committees meetings, after which the rules committee posted additional bills to future orders and the committee on committees referred several bills and resolutions to standing committees. Several members also made announcements about upcoming committee meetings, a legislative breakfast, a fish fry, and condolences for a community member.
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part I) May 1st, 2025
Business & Commerce
Transcript Highlights:
- What's happening is they may have other creditors that may have perfected liens; they may have other
- recipient is fully aware of what the UCC filing or the perfection of the lien is to protect other creditors
- Any effect on other creditors' rights? Absolutely could.
- Of course, that was a violation of the inter-creditor agreement.
Bills:
HB12, HB149, SB229, SB1361, SB1749, SB1897, SB2113, SB2566, SB2677, SB1652, SB2327, SB2344, SB2696, HB12, HB149
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (01/23/2025)
Transcript Highlights:
- Morgan was also the secured creditor Morgan was also the secured creditor that<01:29:53.600>
- The first is that if the secured creditor of the intermediary has control, the secured creditor has priority
- The second exception is that if the secured creditor is a creditor of a clearing entity, that secured
- creditor always has priority.
- <01:34:49.159>
of first is that if the secured creditor of first is that if the secured creditor
Summary:
The committee first heard testimony on House Bill 167, which would add ski, snowboard, and boat wax containing PFAS to the state’s consumer-product restrictions. The sponsor argued the product is already banned in many places, has PFAS-free alternatives, and is used in ways that can directly contaminate water rather than landfills. She cited high PFAS levels in several New Hampshire lakes and said the bill was a simple extension of prior PFAS legislation. A witness also described a personal experience where a liquid ski wax disappeared from the market and later returned, likely because of PFAS concerns. The chair then closed the hearing on HB 167 without a vote.
The committee then opened a hearing on House Bill 312, dealing with college athletes’ name, image, and likeness (NIL) rights. Representative Moffett said the bill was modeled on New Jersey law and intended to let student-athletes earn compensation from NIL without losing institutional scholarships, while also requiring licensed representation and setting limits on certain endorsements. He described the measure as proactive because NIL rules are evolving and could create conflicts among schools and future lawsuits. Members questioned whether the bill should apply to two-year institutions, whether it should exclude firearms and weapons, and whether the scholarship protections would cover need-based or academic aid as well as athletic scholarships. Moffett said the scholarship language was intended to protect scholarships generally, but not need-based aid specifically, and he acknowledged discomfort with some of the endorsement restrictions.
Public testimony on HB 312 was mixed. One supporter, a former Division III athlete and coach, backed the bill but urged removal of a section allowing institutions or athletic bodies to use an athlete’s NIL without compensation, arguing most New Hampshire athletes do not receive NIL money and should not have to work extra jobs to cover basic expenses. The chair also raised concerns about the bill’s contractual and identity-rights implications, referencing prior committee work on a J.D. Salinger-related identity case and noting the committee had previously declined to get involved in similar contractual disputes. No vote was taken during the hearing.
AL
Alabama 2026 Regular Session
Alabama Joint Contract Review Committee Jul 9th, 2026
Transcript Highlights:
- that were due that paycheck who didn't get it would have to file on their bankruptcy as basically a creditor
- When we hired Just Care in the first place, when there were creditors already chasing them across the
- from<00:42:25.040>
your measures to get away from your measures to get away from your creditors - They were not just falling creditors.
- <00:42:52.240>
when <00:42:52.720>there <00:42:52.880>were <00:42:53.040>creditors