Transcript Highlights:

• mortgage foreclosure lawsuits involving the<00:10:38.480> group's<00:10:38.800> financial<
• in uh the real estate foreclosure in uh the real estate foreclosure matters.<00:22:34.720> Senator
• series of real estate foreclosure series of real estate foreclosure actions<00:32:56.080> in<
• to the foreclosure actions and the<00:40:22.640> proposed<00:40:23.040> legislation<00
• in the mortgage foreclosure process? in the mortgage foreclosure process?

Keywords: 1187, senate, all

Transcript Highlights:

• House File 3479, an act relating to mortgage foreclosures. The second engrossment.
• their homes from foreclosure by allowing them to postpone the mortgage sale.
• I hope to earn your green vote on this bill. foreclosure by allowing them to postpone foreclosure by
• to save their homes from foreclosure. to save their homes from foreclosure.
• <00:35:41.599> So foreclosure dies before the sale. So foreclosure dies before the sale.

Keywords: 1183, house

Summary: The House convened with prayer, the Pledge of Allegiance, a roll call establishing a quorum, and approval of the previous day’s journal. The body then moved through routine business including committee reports, second readings, first readings of a large batch of House files, and receipt of Senate File 3958 for comparison with a House companion. Several noncontroversial motions were adopted without objection, including referral and re-referral motions later in the day. The chamber then took up a series of bills, many of them veterans, commerce, mortgage, liquor, elections, and financial institutions measures. House File 3544, a veterans housekeeping bill updating state law to conform with federal standards and clarifying benefit forfeiture language, passed 133-0. House File 3467, authorizing MDVA to use nonmonetary support to collaborate on veteran services such as food insecurity, homelessness, and suicide prevention, also passed 133-0. House File 3437, clarifying that certain mortgage lending protections apply to consumer home loans rather than commercial loans, passed 133-0. House File 3479, clarifying homeowners’ rights to postpone foreclosure sales in several edge cases, passed 128-5. The annual liquor bill, Senate File 2511, drew the most discussion. Members described provisions addressing the so-called “Granny Happy Hour” in senior facilities, University of Minnesota liquor-related flexibility, and other local liquor-law changes. An author’s amendment was adopted, and the bill passed 129-1. House File 4118, allowing state-chartered credit unions to use private deposit share insurance subject to state oversight, passed 131-2. House File 4241, a local government/elections omnibus addressing disclosure rules, Hennepin County medical examiner appointment procedures, and Rochester School Board election structure, passed 124-9. House File 3699, changing a license plate contest to feature the Lake Superior agate and requiring a Minnesota artist, passed 110-22. Later, the House adopted motions to send House File 4668, an Explore Minnesota film tax credit bill, and House File 4319, a Lake City port authority bill affecting local taxing authority, to the Taxes Committee. The chamber also approved a motion to recall House File 1234, the payment transparency bill, from Ways and Means and place it on the General Register after a zero-cost fiscal note was reported.

Transcript Highlights:

• It deals with real property and foreclosures.
• It requires that the postponement of a foreclosure sale that is allowed in foreclosures by advertisement
• , which are sometimes called administrative foreclosures, be applied in the same manner as foreclosures
• ,<00:14:49.680> be called administrative foreclosures, be called administrative foreclosures
• by action, which are foreclosures by action, which are foreclosures<00:14:54.320> that<00:14:

Bills: HF2300

Keywords: 1183, house

Transcript Highlights:

• that Court decision more foreclosures that Court decision more foreclosures are<00:14:08.279>
• <00:14:13.480> by a sale is available in a foreclosure by a sale is available in a foreclosure
• it's available in a Judicial foreclosure it's available in a Judicial foreclosure uh<00:14:18.040
• uh Minnesota has a robust foreclosure uh Minnesota has a robust foreclosure prevention<00:14:20.279
• in 2022 and since then more foreclosure in 2022 and since then more foreclosure they're<00:16:39.639

Bills: HF1662, HF1224, HF1836, HF1367, HF1168, HF1999, HF1792, HF102, HF2127, HF104

Keywords: veterans, veterans affairs, State Soldiers Assistance Program, Veterans Stable Housing Initiative, MAXIS, human services data, data sharing, eligibility verification, informed consent, private data, benefits coordination, veteran housing, veteran assistance, Department of Human Services, Children Youth and Families, state benefits, federal benefits, privacy, public assistance, foreclosure

Transcript Highlights:

• EXCUSE ME ONE SECOND. 99 PERCENT OF THE FORECLOSURE PROCEEDINGS WILL CONTINUE THE SAME WAY EXCEPT THAT
• THE UNREGULATED ALTERNATIVES THAT WE HAVE SEEN DOWN IN THE MIAMI DADE COUNTY AREA WITH REGARD TO FORECLOSURE
• DEVIATION FROM THE TEN DAY TIME LIMIT FOR OBJECTION OF THE SALE AND DOES NOT EXTEND ANY TIME FOR FORECLOSURE
• I THINK IT WILL BENEFIT MANY PEOPLE WHO ARE IN A BAD POSITION TO BEGIN WITH THAT ARE IN FORECLOSURE AND
• ALSO IMPROVING EFFICIENCIES OVER ALL WITH FORECLOSURE SALES.

Keywords: 999, senate, all

Transcript Highlights:

• We'll move on to SB 332 relating to foreclosures.
• <00:26:45.799> moratorium out from the Foreclosure moratorium out from the Foreclosure moratorium
• ground is bracing for a foreclosure ground is bracing for a foreclosure crisis<00:26:51.960>
• <00:27:22.720> and family on the verge of foreclosure and family on the verge of foreclosure
• The next measure is SB 332, relating to foreclosures.

Keywords: 912, senate, all

Summary: The Senate Commerce and Consumer Protection Committee held its first hearing of the 2025 session and reviewed several measures. SB 102 would restrict third-party restaurant reservation services from listing or selling reservations without a written agreement from the restaurant; the Attorney General recommended amendments to strengthen the bill against First Amendment and Contracts Clause challenges, and the Hawaii Restaurant Association strongly supported it, saying restaurants should control who represents them. The committee also heard SB 137 on electric utility mergers and acquisitions, with support from Ulupono Initiative and IBW Local 1260. Supporters said the bill would preserve state policy protections, including renewable energy and rate-making goals, and protect workers; IBW also suggested amendments, including a severability clause. The committee discussed a possible alternative approach from the PUC involving solicitation of bids from non-investor-owned utilities, and Ulupono said it would consider that idea but was concerned about preserving time for co-op formation. Members then heard SB 142, which would require insurers paying claims by check to send them by certified mail with restricted delivery and return receipt. The Insurance Division stood on its written testimony, while the Hawaiian Insurers Council, State Farm, NAMIC, and the American Property Casualty Insurance Association opposed the bill. A senator questioned whether the measure was too prescriptive and could create problems for claimants displaced by disasters; the response was that insurers and claimants usually remain in contact and that other payment methods may already be available depending on the carrier. SB 157 would ban algorithmic price setting in Hawaii’s rental market and require a public education program; the committee noted written testimony in support and comment, but no oral testimony was taken before moving on. SB 158 would create a state-owned bank implementation board within DCCA; DCCA’s financial institutions division, the Budget and Finance Department, and the Legislative Reference Bureau submitted comments, while the Hawaii Bankers Association opposed and the Hawaii Credit Union League commented. The committee also heard SB 318, which would require DCCA to adopt privacy rules for direct-to-consumer genetic testing and specify whether genetic information may be used for investigative genetic genealogy. The Office of Consumer Protection and Andrew Crossland opposed the bill, saying federal law and existing state protections already cover much of the area and that rulemaking would be a better way to address it; members raised concerns about federal changes and the need for state protections, but OCP said the bill was not the best approach. SB 332 would prohibit bundling foreclosed homes at public sale and delay finality of sales; L. Strong and written testimony supported it, citing Lahaina’s post-fire foreclosure risks and warning of investors profiting from the disaster. The final measure, SB 525, would require written notice and consent before mortuaries, cemeteries, or pre-need funeral authorities sell or recycle precious metals recovered after cremation. DCCA’s consumer protection and licensing divisions offered comments, while the Hawaii Funeral and Cemetery Association opposed the bill, saying it was surprised by the measure and was unaware of current consumer problems in the industry.

Transcript Highlights:

• minor infractions leading to foreclosure minor infractions leading to foreclosure or<00:02:07.520
• The HOA board decided to initiate the foreclosure process.
• And with that, I will introduce Senator P... foreclosure process but also working to foreclosure process
• Failure to make one payment will result in the commencing of foreclosure proceedings.
• in the the commencing of foreclosure in the the commencing of foreclosure proceedings<00:10:25.320

Keywords: 919, house, all

Summary: Legislators unveiled the Master Common Interest Community and Homeowner Association Policy Reform Bill, describing it as a comprehensive package built from a 14-meeting interim work group and public listening sessions. Speakers said the bill is intended to update Minnesota law with clearer standards for governance, open meetings, governing documents, dispute resolution, fines and fees, foreclosure procedures, conflicts of interest, and the roles of municipalities and civil rights protections. They framed the measure as a bipartisan effort aimed at consumer protections, transparency, fairness, and clearer expectations for both homeowners and volunteer board members. Much of the discussion focused on complaints from constituents about excessive fines, unexplained fees, lack of access to financial documents, weak dispute processes, and conflicts of interest involving property managers and contractors. Examples included a small trash-can violation escalating to foreclosure and a roof-repair contract steered to a subsidiary of the property management company. Senators and representatives said the bill would require associations to adopt written fine policies, provide notice and time to cure violations, and create internal dispute-resolution procedures so homeowners are not forced immediately into costly legal fights. A key policy question was Article 3, which would bar cities and municipalities from conditioning approval of new developments on amenities or features that require an HOA, while still allowing voluntary HOAs. Sponsors said this would reduce the number of homeowners pushed into associations and prevent local governments from shifting costs onto residents. They also said the bill is part of a broader package that includes separate measures on registration requirements, attorney general enforcement, an ombudsman office, and a task force to study insurance costs. No formal votes were taken in the transcript. The speakers said the Senate bill was expected to have a housing committee hearing the following week, with additional committee stops likely in state and local government and judiciary, and that House-side negotiations were ongoing. They also said the bill could still be refined as testimony continues and stakeholders raise concerns.

Transcript Highlights:

• that's coming out and more foreclosures that's coming out and more foreclosures and<00:57:11.760
• No other foreclosure purchaser is subject to this rule.
• No other foreclosure purchaser is subject to this rule.
• No other foreclosure to do that.
• Associations must act foreclosures.

Keywords: 912, senate, all

Summary: The committee heard testimony on SB 2294, which would require condominium associations, boards, and managing agents to comply with declarations, bylaws, county ordinances, and state and federal laws, including mortgage lending requirements. The Community Associations Institute opposed the bill as redundant, arguing existing law already requires compliance and provides penalties. Supporters, including condominium owners and board members, said the measure would clarify that associations are not “self-governing” in a way that exempts them from outside laws, and cited examples where local officials or police told residents to take issues back to their boards. Several supporters said the bill would reinforce board responsibility for permits, safety, and legal compliance. The committee noted 27 pieces of testimony, with 10 in support and 17 in opposition, and then moved on without taking a vote on the measure in the transcript provided. The committee also took up SB 2298, which would require common interest community proxy forms to include additional language explaining proxy selection options. The Community Associations Institute opposed the bill, saying the proposed language was inaccurate and would not improve consumer clarity unless significantly revised. Supporters argued that proxy forms are confusing and that clearer instructions would help homeowners understand how their votes are being used. Opponents said the added language would make the forms longer and more confusing, and suggested a separate instruction sheet or other educational material instead. Testimony also raised broader concerns about proxy voting being misused in some associations, with one witness urging that proxy voting be eliminated altogether. The committee reported 29 written testimonies, including seven in support, 19 in opposition, and three with comments, and again did not record a final vote in the excerpt. For SB 2300, which would shorten condominium reserve cash-flow projections from 30 years to 25 years, the Community Associations Institute opposed the bill, saying it would not make housing more affordable, would reduce transparency, and would increase the annual burden by giving associations less time to save for long-life components. The group suggested that if affordability is the goal, lawmakers should consider allowing future loans or special assessments with guardrails. Supporters of the bill said the shorter projection period would better reflect practical budgeting and help associations plan more realistically, though some supporters also warned against relying too heavily on loans and emphasized accountability and fiduciary responsibility. Other testimony stressed that the impact of changing the projection period would vary by association and that many owners are already struggling with rising fees. The discussion remained focused on testimony and policy concerns, with no final action on SB 2300 shown in the transcript.

Transcript Highlights:

• and the property in foreclosure or in arrears on the mortgage?
• What would their basis be for foreclosure proceedings if they have been paid on their mortgage?
• You pay, the person pays, and as a result, there is no foreclosure.
• Standard terms in a mortgage don't normally allow for foreclosure absent a default in payment.
• And they have to start a foreclosure proceeding on what terms, Mr. President? I don't know.

Keywords: 993, senate, all

Summary: The Senate opened with routine formalities, approved the journal, welcomed a SkillsUSA student delegation, and then moved into budget and policy business. The chamber accepted a Rules Committee report and took up a supplemental budget extender, Senate Print 9963, which would extend state operations through April 22 and authorize $12.7 billion, including about $5.1 billion in new funding for Medicaid, payroll, and school aid. Senator O’Mara questioned the delay in the budget, the lack of public detail, and unresolved issues such as CLCPA changes, auto insurance, and SEQR reforms; the sponsor said negotiations were ongoing and that school aid would likely build on the executive budget. The extender passed 57-1, with Senator Weik voting no. The Senate then adopted Senate Resolution 1887, sponsored by Senator Brisport, memorializing the Governor to proclaim April 2026 as Arab American Heritage Month. Senators Brisport, Fahy, Salazar, and Gounardes spoke in support, emphasizing Arab Americans’ cultural, civic, and economic contributions in New York and condemning anti-Arab and anti-Muslim bias. The resolution was adopted by voice vote and opened for co-sponsorship. The chamber next considered several bills on the calendar, including a bill by Senator Cleare to prohibit state-chartered financial institutions from investing in private correctional facilities. Supporters framed it as a moral response to private prisons and rising federal use of detention facilities, while opponents argued it would overregulate state-chartered banks and affect private investment decisions. The bill passed 36-22. The Senate also passed a bill by Senator Krueger raising the nonprofit lobbying disclosure threshold from $5,000 to $10,000, after debate over transparency and whether the change would reduce oversight; it passed 35-23. Finally, the Senate passed Senator May’s bill on advanced transmission technologies and utility planning, after extensive debate over ratepayer costs, battery storage, and data center growth; supporters said it could lower energy costs through more efficient grid use, while opponents said it would raise rates and duplicate existing studies. The bill passed after being restored to the non-controversial calendar.

Transcript Highlights:

• And essentially, this applies the postponement of foreclosure sale that is allowed currently for foreclosures
• And essentially, this applies the postponement of foreclosure sale that is allowed currently for foreclosures
• And essentially, this applies the postponement of foreclosure sale that is allowed currently for foreclosures
• And essentially, this applies the postponement of foreclosure sale that is allowed currently for foreclosures
• And essentially, this applies the postponement of foreclosure sale that is allowed currently for foreclosures

Keywords: 1183, house

Transcript Highlights:

• I am the mortgage foreclosure prevention program manager with Twin Cities Habitat for Humanity.
• their rights when it comes to preserving their home due to foreclosure.
• notice and are panicked when people fear they're facing foreclosure.
• prevention program manager foreclosure prevention program manager with<00:36:36.760> Twin<00:
• prevention allowing us to foreclosure prevention allowing us to educate<00:36:56.160> homeowners<

Keywords: 1187, senate, all

Transcript Highlights:

• It increases participation and competition at foreclosure sales by both permitting online foreclosure
• > auctions Online access to foreclosure auctions Online access to foreclosure auctions removes
• while keeping the rest of foreclosure while keeping the rest of foreclosure process<01:03:14.560
• <01:04:13.240> sale modernization of the foreclosure sale modernization of the foreclosure
• We've seen that by foreclosures.

Bills: HF3951, HF4005, HF962, HF4585, HF3870, HF4542, HF3893, HF4293, HF4075, HF4057, HF3809

Keywords: submetered utility service, tenant rights, digital payment, eviction protection, housing policy, biometric data, consent, data protection, civil penalties, privacy laws, HF4585, Minnesota, harassment restraining order, HRO, restraining order, temporary restraining order, petitioner notice, service of process, law enforcement notification, sheriff

Transcript Highlights:

• In order to avoid foreclosure, some homeowners filed for bankruptcy, while others tried to work with
• With their lender to modify both loans into an affordable payment to avoid foreclosure. Mrs.
• The collector had bought the second mortgage, sat on it for years, and was now threatening foreclosure
• They foreclosed on her, and fortunately that foreclosure was reversed.
• As you heard, an act relative to summary process and any work around foreclosure mediation, these are

Keywords: 995, all

Summary: The Joint Committee on the Judiciary heard testimony on a wide range of bills, with much of the discussion focused on housing stability and maternal mental health. On H. 1924/S. 1171, supporters including Sen. Joan Lovely, Rep. Jim O’Day, physicians, advocates, and people with lived experience urged the committee to create legal protections and treatment pathways for defendants who experienced postpartum psychosis or other perinatal mood disorders within 12 months of giving birth. Testimony emphasized that these conditions are rare but severe, often treatable, and can lead to tragic outcomes if criminalized rather than addressed through screening, expert evaluation, treatment, and, in some cases, resentencing or mitigation. Committee members asked about diagnosis years after the fact and how the Illinois law has worked; witnesses said retrospective diagnosis is possible and that the Illinois model has led to some successful resentencing petitions and broader awareness. Housing-related bills drew substantial testimony. On H. 1983/S. 1071, witnesses described “zombie” subordinate mortgages that were sold years after borrowers believed they had been resolved, then resurfaced with large balances and foreclosure threats. Supporters said the bill would require disclosures and court review to prevent unlawful servicing and foreclosure practices. On H. 1952, advocates from the Massachusetts Law Reform Institute, tenants, and legal services providers backed a permanent statewide right to counsel in eviction cases, citing data showing strong tenant outcomes and the importance of quality control, multilingual outreach, and full representation. On H. 1895/S. 1184, testimony supported codifying a two-tier summary process in eviction court and prohibiting defaults at the initial case-management stage. On H. 1883, a small property owner supported rent escrow as a way to protect landlords from bad-faith nonpayment while preserving tenant rights. The committee also heard testimony on bills addressing discriminatory housing covenants, tenant oversight, and homelessness. On H. 1762/S. 1080, a housing advocate supported removing void restrictive covenants from deeds, describing the Dirty Deeds Project and the lingering harm of racist language in property records. On H. 1814, tenants and advocates described harassment, retaliation, security problems, and lack of accountability in subsidized housing, arguing for an Office of the Tenant Advocate within the Attorney General’s Office. On S. 1120, multiple witnesses supported a bill of rights for people experiencing homelessness, saying it would affirm the right to rest and seek shelter, reduce criminalization, and extend anti-discrimination protections. No votes or final actions were taken during the hearing; the committee primarily received testimony and questions on the bills.

Transcript Highlights:

• fines and fees resolution foreclosures fines and fees Etc Etc Etc as<00:44:27.800> well<00:44
• fines and fees foreclosures fines and fees foreclosures municipalities<00:47:13.160> and<
• 00:53:07.079> new<00:53:07.240> foreclosure recommended to ensure new foreclosure recommended
• purchase a home and prevent foreclosure purchase a home and prevent foreclosure through<01:15:51.800
• The foreclosure was going to be December 15th, and so she's like, who can I talk to?

Keywords: 1187, senate, all

Transcript Highlights:

• Property and foreclosures.
• It requires that the postponement of a foreclosure sale that is allowed in foreclosures by advertisement
• , which are sometimes called administrative foreclosures, be applied in the same manner as foreclosures
• by action, which are foreclosures that occur through a court action.
• The article is effective for foreclosure notices recorded on or after August 1st, 2012.

Bills: HF2300

Transcript Highlights:

• Judicial foreclosure. Do you see that particular section of the law?
• Can you define to me what a judicial foreclosure is?
• So, are you where there is a difference between a judicial foreclosure and a foreclosure?
• Well, are you aware that a judicial foreclosure is explained in Title 12?
• The judicial foreclosure process. Thank you for that observation.

Bills: HB1016, HB1453, HB1992, HB2015, HB2940, HB2959, HB2997, HB3037, HB3045, HB3053, HB3087, HB3267, HB3301, HB3453, HB3495, HB3521, HB3581, HB3584, HB3586, HB3587, HB3662, HB3691, HB3695, HB3697, HB3742, HB3743, HB3845, HB4058, HB4125, HB4198, HB4227, HB4425

Keywords: minors, content creation, trust account, compensation, civil action, digital content, Oklahoma statutes, foreign ownership, property rights, agricultural land, Attorney General, divestment, real estate, felony penalties, motor vehicles, towing services, combination vehicles, wrecker fees, possessory lien, landlord

Transcript Highlights:

• holder or other party becomes the owner of any permanently affordable unit pursuant to a mortgage foreclosure
• , foreclosure under power of sale, or conveyance in lieu of foreclosure after a foreclosure action is
• holder or other party becomes the owner of any permanently affordable unit pursuant to a mortgage foreclosure
• , foreclosure under power of sale, or conveyance in lieu of foreclosure after a foreclosure action is

Bills: HB1700

Keywords: housing, expedited permits, disabilities, access, functional needs, local government, affordable housing, reporting requirements, 912, senate, all

Summary: The joint committees on Housing and Health and Human Services, along with related committees, heard and later took action on three housing bills. HB 1700 HD1, relating to housing and expedited permitting, received support from disability advocates, including the Hawaii State Council on Developmental Disabilities and a self-advocate who said faster permitting would help people with disabilities access more independent living options. The chairs said they would add amendments to ensure expedited permitting would not compromise ADA or Fair Housing Act protections and to require reporting on the number, type, and geographic distribution of projects so the program could be evaluated over time. The measure was recommended and adopted with amendments by the participating committees. HB 1777 HD2, which would require tenant protections for residents displaced by HHFDC-supported redevelopment projects, drew support from HHFDC, the Office of Hawaiian Affairs, Parents and Children Together, and numerous other organizations. Testimony emphasized the need for a right of first offer, replacement housing payments, relocation information, and tracking procedures to reduce displacement harms, especially for Native Hawaiian and public housing residents. In decision-making, the committees amended the bill to incorporate the Senate companion measure, rename the working group as the tenant protection working group, broaden its duties, and include a $75,000 appropriation for working group expenses. The committees also noted concerns about unequal treatment between tenants in publicly supported projects and private redevelopments, and referenced the KPT low-rise redevelopment as an example where required relocation assistance still did not proceed smoothly. The bill was recommended and adopted with amendments. HB 1975 HD1, relating to kupuna housing, would repeal the sunset on the state rent supplement program for kupuna, appropriate funds to HPHA, and add positions to support the program. HPHA, the Executive Office on Aging, OHA, Catholic Charities Hawaii, AARP Hawaii, Aloha Independent Living Hawaii, and others testified in support, with Catholic Charities describing how the subsidy helped a senior remain housed through major medical issues. The committees later recommended passage with amendments, including a technical correction to the number of positions and a date fix, and the recommendation was adopted.

Transcript Highlights:

• as well as foreclosures by advertisement.
• And the A3 foreclosure statutes.
• well as foreclosures by advertisements. well as foreclosures by advertisements.
• And the intent foreclosures in 581.
• > of<00:08:45.200> the<00:08:45.360> foreclosure keeping the rest of the foreclosure

Keywords: 1187, senate, all

Transcript Highlights:

• Last year, Wells Fargo filed yet another foreclosure.
• And I to pursue foreclosure as a remedy.
• <00:31:47.440> can talks about how if foreclosure can talks about how if foreclosure can proceed
• <00:32:55.440> process this is a judicial foreclosure process this is a judicial foreclosure
• So as part of to foreclosure cases.

Bills: HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.

Transcript Highlights:

• And again, the typical cost of sale are addressed in a foreclosure, and we just want to make sure that
• He said that if those costs were really tied to the sale of property, foreclosure statutes would already
• He added that the typical cost of sale is addressed in foreclosure, and that lenders and bankers across
• statutes which we've had for Foreclosure statutes which we've had for a<00:30:08.360> long<00
• <00:38:27.240> I foreclosure I foreclosure I one<00:38:28.240> more<00:38:28.520> yes

Keywords: 00:00 -- Introduction 00:13 – Attendance Roll Call 08:25 – Discussion of HB 315 23:45 – Roll call vote on HB 315 26:35 – Discussion of HB 356 46:30 – Roll call vote on HB 356, 958, all

Summary: The House Agriculture Committee first spent much of the meeting recognizing the large number of 4-H and FFA students and guests in attendance, with members from several counties introducing their groups and praising the programs for developing future agricultural and civic leaders. Comments emphasized the value of youth involvement in agriculture, leadership, and public speaking, and several members noted their own 4-H or FFA backgrounds. The committee then took up House Bill 356, and adopted a committee substitute before hearing testimony on the revised measure. House Bill 356, sponsored by Representative Carney, would create the Kentucky Urban Youth Agriculture Initiative, expanding the original urban farming concept into broader agricultural education, agribusiness, advocacy, and work-ready skills. The substitute removed the requirement that participants have access to farmland, lowered the age floor from six to five, broadened participation, and established a pilot program with implementation left to Cooperative Extension. Supportive testimony came from a 4-H student and Kentucky 4-H representatives, who described how the program helps youth explore many interests and removes barriers for urban students. Members from both parties praised the bill as a way to reach more youth and strengthen agricultural education. The committee approved House Bill 356 as amended by the committee substitute on a roll call vote, with all members present voting yes. The committee then heard House Bill 315 from Representative Sharp, a foreign adversary land bill intended to limit certain foreign entities’ ability to purchase Kentucky land. Before member questions, Tim Shank of the Kentucky Bankers Association testified in opposition to one section of the bill, saying banks already screen borrowers through federal systems and that Section 8’s reference to an Attorney General lien for “actual costs” was too vague. He warned the language could create uncertainty for mortgage holders and potentially affect credit availability for farmers. Representative Sharp said he had just learned of the concern and may need to work with the Attorney General’s office to address it. He also said the bill was largely the same as last year’s version, except for the removal of a leasing-related paragraph, and the committee began discussion of the bill after that testimony.