Transcript Highlights:

• “What if I needed the loan? Pardon me? What if I needed this money to not have an overdraft fee?
• You get money now, you pay a fee, you pay it back later. That's a loan.
• So under this app, the fee, you're saying because of the fee, it's a loan? Is that right?
• if you use this and you have a fee, it's considered a loan.
• They carry less risk than a traditional loan, yet often charge more and equivalent fees.

Bills: HB2118 , HB2181 , HB2308 , HB2309 , HB2402 , HB2476 , HB2682 , HB2698 , HB2875 , HB2877 , HB2903 , HB2910

Committees: House Commerce , House House Commerce Committee of Reference

Keywords: mobile food vendors, licensure, food safety, statewide regulations, health standards, zoning, temporary vendors, HB2181, death certificate, death certificates, vital records, funeral establishment, funeral home, human remains, medical certification of death, death registration, state registrar, local registrar, county medical examiner, alternate medical examiner

Transcript Highlights:

• For background, this fee was created by the legislature last year and is an $80 fee assessed on each
• The fee may be financed and paid from the loan proceeds or from a borrower cash contribution, and proceeds
• It exempts from the fee chattel loans or retail installment contracts to purchase dwellings secured as
• be paid from loan proceeds.
• First, the bill narrows the ability for those fees to be collected by limiting the fee collection to

Bills: SB5884 , SB5885 , SB5937 , SB5938

Committee: Senate Housing

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

Transcript Highlights:

• By way of brief background, when a county auditor records a document, certain fees and surcharges are
• In some cases, interfund loans and transfers can be made between school district funds.
• Generally, interfund loans must be repaid with interest, and the transfer may not be used to balance
• When in binding conditions, a school district may take a temporary interest-free interfund loan from
• its capital projects fund and use that loan to balance its budget, provided the loan is repaid within

Bills: SB5109 , SB5835 , SB6065

Committee: House Appropriations

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

Transcript Highlights:

• loans or deposits with lenders, the commission may make mortgage loans to borrowers.
• Loans must be issued at a below-market interest rate above 1%.
• So presumably they would be paying off this loan with another mortgage after that, right?
• I think the model is suggesting that they would pay off this loan when they sell each unit.
• , but being a part of the construction loan.

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

Committee: Senate Housing

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

Transcript Highlights:

• Members, when natural disasters occur, small businesses often rely on federal SBA loans to recover, but
• To address this, the 87th Legislature created two programs: the Small Business Disaster Loan Program
• and the Micro Business Disaster Loan Program to offer loan cost abating. loans while businesses wait
• You don't have weeks or months to wait for some kind of disaster loan to come in.
• actually bucked the system and said, "Hey, we are not using our local MLS and all these association fees

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

Committee: House Trade, Workforce & Economic Development

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

Transcript Highlights:

• Line 29 is the loan repayment bianium.
• </c> 32, which is the student student loan 32, which is the student student loan counseling<00:07:41.039
• </c><00:38:18.400><c> paid</c> made though are increases in fees paid made though are increases in fees
• </c><01:14:31.080><c> serer</c> We just had a transition of loan serer We just had a transition of loan
• Um it regarding student loan payments.

Bills: HF2312

Committee: House Higher Education Finance and Policy

Keywords: higher education, college finance, student aid, financial aid, state grants, North Star Promise, scholarships, tuition relief, Minnesota State, University of Minnesota, Office of Higher Education, work-study, child care grants, Indian scholarships, tribal colleges, Hunger-Free Campus, student parents, pregnant students, parenting students, sexual misconduct

Transcript Highlights:

• SBA loans are supposed to help creditworthy businesses that cannot get loans elsewhere.
• SBA loans are supposed to help creditworthy businesses that cannot get loans elsewhere.
• Unlike the section 1071 for a loan.
• </c> after the loan after the loan origination,<00:41:52.319><c> this</c><00:41:52.560><c> bill</c><00
• </c> a preerequisite for obtaining a loan. a preerequisite for obtaining a loan.

Bills: HB2966

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

Bills: HF3548

Committee: House Agriculture Finance and Policy

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

Transcript Highlights:

• The ability to levy that 2% fee on the bill, right? It is really like a cash collection system.
• And this statutory creation facilitated the collection of the fee into... Okay, thank you.
• What are the benefits of partaking in that loan assistance? Right, so it helps.
• And that's the main key thing for that loan assistance: they help you with your down payment.
• This program offers low-interest home mortgage loans and down payment assistance.

Bills: HB158 , HB714 , HB 1198 , HB1630 , HB1998 , HB3509 , HB3788 , HB3875 , HB3948 , HB3977 , HB4097 , HB4313 , HB4314 , HB4317 , HB158

Committee: House Intergovernmental Affairs

Keywords: housing, veterans, surplus government property, affordable housing, funding sources, housing assistance, homeless prevention, landlord incentives, rural housing, domestic violence, community development, tenant readiness, program participants, financial assistance, homelessness, rental support, Texas Tenant Readiness Program, tenant assistance, housing stability, Texas Department of Housing

Transcript Highlights:

• The reality of these climate fees could ultimately cost taxpayers billions of dollars.
• When a builder builds that construction, they pay a builder fee.
• I know sometimes there's impact fees. Yeah, there are. It can be.
• , impact fees to establish parks.
• When we pay a Parkland fee, we have the choice of paying the fee to the city. or simply building a park

Bills: HB158 , HB714 , HB 1198 , HB1630 , HB1998 , HB3509 , HB3788 , HB3875 , HB3948 , HB3977 , HB4097 , HB4313 , HB4314 , HB4317 , HB158

Committee: House Intergovernmental Affairs

Keywords: housing, veterans, surplus government property, affordable housing, funding sources, housing assistance, homeless prevention, landlord incentives, rural housing, domestic violence, community development, tenant readiness, program participants, financial assistance, homelessness, rental support, Texas Tenant Readiness Program, tenant assistance, housing stability, Texas Department of Housing

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

Committee: House Business

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

Transcript Highlights:

• existing tuition. reimbursement programs and programs providing assistance with the repayment of student loans
• It's just a plan; it does not. actually establish any loans or tuition assistance; it just develops the
• allowing me to lay out Senate Bill 646, which makes some improvements to our mental health professional loan
• During the last biennium, the legislature appropriated million to the loan repayment program, a substantial
• The Act maintains funding for the loan repayment program at the same levels as last year.

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

Committee: House Higher Education

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

Transcript Highlights:

• We have some loan reimbursement for some of those positions that are not being fully taken advantage
• Amstep was for STEM teachers, and this one just is loan assistance and.
• This one just is loan assistance and support of educators in Alabama.
• not a part of STEM, but they. ...that are not a part of STEM, but they would then qualify for this loan

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

Committee: Senate Education Policy

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

Bills: SB169 , SB180 , SB203 , SB87 , SB195 , SB192 , SB169 , SB180 , SB203 , SB87 , SB195 , SB192 , HB132 , HB37 , HB13 , HB54 , HB126 , HB7 , SB30 , HB188 , HB189 , HB26 , HB264 , HB288 , HB248 , HB249 , HB227 , HB228 , HB132 , HB37 , HB13 , HB54 , HB126 , HB7 , SB30 , HB188 , HB189 , HB26 , HB264 , HB288 , HB248 , HB249 , HB227 , HB228

Committee: Senate Judiciary

Keywords: Lieutenant Governor, vacancy, governor appointment, Alabama Constitution, state government, media monitoring, government contracts, state agencies, local agencies, media regulations, transparency, dental insurance, medical loss ratio, premium regulation, insurance commissioner, rebate, consumer protection, midwifery, licensed midwives, State Board of Midwifery

Transcript Highlights:

• It creates the Autism Education Loan Forgiveness Program, and I'm so excited about this.
• And the program will allow individuals to receive loan forgiveness for up to five annual payments of

Bills: S0206 , S0420 , S0556

Committee: Senate Education Pre-K - 12

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

Transcript Highlights:

• Um, and so in the interest then of the third part that we removed, um, removing the penalty fee, um,
• failed to give the required notice that they no longer qualify, um, we had put in that there would be a fee

Bills: HF2233 , HF1999 , HF1995 , HF1614 , HF2781 , HF1775 , HF1316 , HF2127 , HF2521 , HF689 , HF2380 , HF1273

Committee: House Judiciary Finance and Civil Law

Keywords: Uniform Special Deposits Act, special deposit, banking law, financial institutions, escrow, escrow account, trust account, security deposit, beneficiary, depositor, creditor process, garnishment, attachment, levy, setoff, recoupment, financial market infrastructure, retirement benefits, compensation, earnest money

Bills: SB5188 , SB6313

Committee: House Capital Budget

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

Transcript Highlights:

• and we're going to go to tab 8, which is Senate Bill 7016 on OGSR, administration of small business loan
• economic development agency for the purpose of administering a state- or federally funded small business loan
• economic development agency for the purpose of administering a state or federally funded small business loan
• The release of the protected information could be used by fraudulent Small business loan program.

Bills: S7000 , S7002 , S7004 , S7006 , S7008 , S7012 , S7014 , S7016 , S0350

Committee: Senate Governmental Oversight and Accountability

Keywords: public records exemption, open government sunset review, OGSR, emergency shelter, public emergency shelter, storm shelter, catastrophic event, evacuees, disaster response, hurricane, evacuation, privacy, confidential records, address confidentiality, telephone number, Florida Statutes section 252.385, agency records, public records law, Open Government Sunset Review Act, Florida Public Service Commission

Bills: HF2431

Committee: House Higher Education Finance and Policy

Keywords: higher education, college affordability, student aid, state grants, North Star Promise, scholarships, financial aid, Minnesota State, University of Minnesota, Office of Higher Education, tuition relief, work-study, child care grants, hunger-free campus, food insecurity, student parents, pregnant students, parenting students, sexual misconduct, Title IX

Transcript Highlights:

• The only way to address the student loan crisis is by increasing affordability. expanding student loan
• And will again, when I am not in deferment, I pay my loans and I am.
• high achieving low income students are 27% more likely to submit five applications when receiving a fee
• The selected month for this fee waiver is October, giving students an opportunity to submit their application

Bills: SB530 , SB757 , SB769 , SB1085 , SB1241 , SB1242 , SB1409 , SB1878 , SB2138 , SB2314 , SB2231 , SB2361 , SB2431 , SJR59

Committee: Senate Education

Keywords: accreditation, postsecondary education, Texas Higher Education Coordinating Board, baccalaureate degrees, junior colleges, program delivery, faculty recruitment, higher education, performance standards, student loan debt, degree programs, funding, students with disabilities, accessibility, enrollment, report, SB 1085, Sul Ross State University, Rio Grande College, Del Rio

Summary: The Senate Committee on Education K-16 met with a large agenda and repeatedly recessed for floor activity and other committee conflicts. The committee heard and left pending several higher education bills, including SB 2361 to transfer University of Houston-Victoria from the University of Houston System to the Texas A&M System and rename it Texas A&M University Victoria; testimony from university officials, local leaders, and industry representatives strongly supported the move as a way to better align degree programs with regional workforce needs in engineering, agriculture, and STEM. SB 530, which would align Texas accreditation statutes with federal rules allowing institutions to choose among nationally recognized accreditors, also received supportive testimony and was left pending. SB 1085, allowing Sul Ross satellite campuses to offer lower-division coursework toward bachelor’s degrees, was laid out and left pending as well. The committee also took up a series of education policy bills. SB 1241 would expand the standardized tests Texas public universities may accept for admission beyond the SAT and ACT, with supporters from the Classic Learning Test, homeschool advocates, and student-choice groups arguing it would increase access and competition; it was left pending. SB 769 would require a TEA/Higher Education Coordinating Board report on barriers faced by students with disabilities in higher education, and testimony from The Arc of Texas and others emphasized the need for better data and accessibility; the bill was left pending. SB 2231 would designate the second week of October as Free College Application Week, and SB 1878 would modernize terminology and support workforce-oriented programs at the Josie School; both were laid out and left pending. The committee reported several bills favorably after adopting committee substitutes. SB 605, concerning charter school expansion applications while under conservatorship or a management team, passed on a 9-0 vote. SB 1871, SB 1873, and SB 1874, all related to school discipline and teacher immunity/placement review provisions, were adopted and reported favorably, with members noting the need for further discussion on some language. SB 762, dealing with flag displays in public schools, passed on a 7-1 vote. SB 1962, relating to public school accountability and challenges to school system operations, passed 7-1 after a corrected vote. SB 1750, replacing a $60 million statewide charter facilities cap with an attendance-growth-based allotment, passed 7-1 with one member voting present not voting. SB 2252, supporting kindergarten readiness and early literacy/numeracy, SB 2253, concerning educator preparation and certification, SB 2365, on student use of wireless devices during instructional time, and SB 1924, restoring local peace officer citation authority for school offenses and adding reporting and parent-notification requirements, were also reported favorably. The committee additionally heard SB 37 on higher education governance and compliance oversight, which passed 7-1 after a substitute that refined curriculum review, governing board authority, faculty senate rules, and a new compliance office within the Higher Education Coordinating Board.