Video & Transcript Research : 'qualified mortgage'
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WA
Washington 2025-2026 Regular Session
House Floor Session Mar 11th, 2026
Washington House Floor Meeting
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, juice grapes, agriculture, commerce, state regulation, market access, fire safety, insurance incentives, best practices, community protection, voluntary measures, mortgage modification
Summary:
The House convened, established a quorum, approved the previous day’s minutes, heard Senate messages on several bills, and then took up a series of third-reading and concurrence votes. The chamber also received notice that the Senate had concurred in House amendments to several other bills and that the Senate President had signed Engrossed Senate Bill 5068. Members then considered a slate of bills dealing with climate commitment account revenue, court administration, attorney general investigative authority, inmate funds, health care facility transactions, ferry governance, gun violence prevention and 3D-printed firearms, and renewable energy tax treatment.
Engrossed Second Substitute House Bill 1170, Engrossed Second Substitute House Bill 2251, Engrossed House Bill 2445, Substitute House Bill 2334, Engrossed Third Substitute House Bill 1960, Engrossed Substitute House Bill 1500, Second Substitute House Bill 1909, Engrossed House Bill 2156, Substitute House Bill 2539, Engrossed Substitute House Bill 2548, Engrossed House Bill 2588, and Engrossed Substitute House Bill 2320 all received final passage after Senate amendments, with several members speaking in support or opposition. Supporters generally described the measures as clarifying revenue accounts, improving court access, protecting consumers, updating inmate account limits, addressing hospital consolidation, enabling local ferry management, and strengthening gun-violence prevention or renewable-energy tax policy. Opponents raised concerns about reduced transparency, expanded bureaucracy, shifting costs, attorney general overreach, limits on local control, and First Amendment or property-rights issues.
Recorded votes showed passage on each of those bills, with margins ranging from narrow to broad: 55-38 on HB 1170, 54-40 on HB 2251, 66-29 on HB 2445, 80-15 on SHB 2334, 86-9 on ESHB 1960, 61-34 on ESHB 1500, 57-38 on SSB 1909, 54-41 on EHB 2156 after reconsideration, 57-38 on SHB 2539, 55-41 on ESHB 2548, 56-40 on EHB 2588, and 58-38 on ESHB 2320. The House also agreed to retransmit Engrossed Substitute House Bill 1408 to the Senate after deciding not to concur in the Senate’s fourth amendment. The meeting ended with both caucuses called and the House at ease.
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 10th, 2026 at 01:45 pm
Washington House Floor Meeting
Transcript Highlights:
- sure that they can continue to live on their pension, make sure that they continue to afford their mortgage
- , property taxes, rent. ...continue to afford their mortgage, property taxes, rent.
- For example, a married couple with two children today has to make up to $64,000 to qualify.
- That's a little extra cash today for the mortgage or rent.
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, juice grapes, agriculture, commerce, state regulation, market access, fire safety, insurance incentives, best practices, community protection, voluntary measures, mortgage modification
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 10th, 2026 at 06:30 am
Washington House Floor Meeting
Transcript Highlights:
- But DOR will be uniquely qualified.
- yours, broadly to nurses in your district and mine, and it would make sure that families who don't qualify
- Again, like the Working Families Tax Credit, which is focused on benefiting families who qualify for
- ...much like the Working Families Tax Credit, where folks who are eligible for SNAP and for TANF qualify
- H.R. 1, known as the One Big Beautiful Bill Act, increased child tax credits to $2,200 per qualifying
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, juice grapes, agriculture, commerce, state regulation, market access, fire safety, insurance incentives, best practices, community protection, voluntary measures, mortgage modification
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 9th, 2026 at 05:40 pm
Washington House Floor Meeting
Transcript Highlights:
- So these are tech companies that try to keep very high-qualified staff.
- So these are tech companies that try to keep very high-qualified staff.
- People that are mortgage loan officers that can maybe make 1% of a transaction fee.
- for cash assistance or qualified for food stamps.
- And I'm making that assumption that you also likely probably don't qualify today either.
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, juice grapes, agriculture, commerce, state regulation, market access, fire safety, insurance incentives, best practices, community protection, voluntary measures, mortgage modification
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 9th, 2026 at 10:45 am
Washington House Floor Meeting
Transcript Highlights:
- They also restrict entrepreneurs and small businesses from starting a business or hiring qualified workers
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, juice grapes, agriculture, commerce, state regulation, market access, fire safety, insurance incentives, best practices, community protection, voluntary measures, mortgage modification
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 9th, 2026
Washington House Floor Meeting
Transcript Highlights:
- Non-compete agreements also restrict entrepreneurs and small businesses from starting a business or hiring qualified
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, juice grapes, agriculture, commerce, state regulation, market access, fire safety, insurance incentives, best practices, community protection, voluntary measures, mortgage modification
Summary:
The House convened with a quorum, the flag was escorted by the Muckleshoot Veterans Color Guard, and the day opened with a prayer from Dennis Anderson Sr. The House approved the previous day’s minutes, welcomed representatives from the Urban Native Education Alliance, and then moved through caucuses and Senate messages before taking up a long series of third-reading votes on bills that had returned from the Senate.
Several measures drew debate over Senate amendments. House Bill 1069, concerning bargaining over supplemental retirement benefits for certain public employees, passed 78-17 after supporters said it would help correctional workers and critics said the Senate changes weakened the bill. Second Substitute House Bill 1128, creating a child care workforce standards board, passed 68-27 amid arguments over child care shortages, wages, and affordability. Engrossed Substitute House Bill 1155, banning non-compete agreements, passed 62-33; supporters framed it as pro-worker and pro-entrepreneurship, while opponents said contracts should be voluntary and important in business sales.
The House also passed Engrossed Substitute House Bill 1187 on ambulance billing and collections (93-2), Substitute House Bill 1390 phasing out the Community Protection Program (51-44), Engrossed House Bill 1501 on housing-related local requirements (58-37), House Bill 291 on bargaining communication rights (92-3), Engrossed Substitute House Bill 2110 on ambulance staffing/training (95-0), Engrossed Substitute House Bill 2165 on impersonating peace officers (66-29), Engrossed Substitute House Bill 2219 on child care regulations and opioid-related safety language (67-28), Engrossed Substitute House Bill 2266 on housing siting and local flexibility (56-39), Substitute House Bill 2350 on notice and accountability for developmental disability services (95-0), Substitute House Bill 2360 allowing schools to keep and administer albuterol with parental-notification changes (79-16), Second Substitute House Bill 2384 on financial transparency for continuing care retirement communities (78-17), Second Substitute House Bill 2429 on behavioral health planning and appropriations (95-0), Substitute House Bill 2496 protecting tribal sacred sites (71-24), and House Bill 2510, on which the House did not concur in Senate amendments. The chamber also granted conference requests on Engrossed Substitute Senate Bills 5998 and 605 and appointed conferees for each.
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 4/9/26
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- </c> support payroll expenses, rent, mortgage support payroll expenses, rent, mortgage payments,<00:47
- Uh, so then I looked at who qualifies for transportation and warehousing.
- Well, what I learned is that the non-emergency medical transportation qualifies in that classification
- </c><01:11:18.320><c> for</c> further looked at who qualifies for further looked at who qualifies for
- transportation qualifies in that classification,<01:11:30.239><c> and</c><01:11:30.480><c> we've</c>
Keywords:
bioindustrial facilities, economic development, renewable energy, advanced biofuels, state funding, HF2252, Minnesota bonding, volume cap, private activity bonds, tax-exempt bonds, public facility bonds, public facilities pool, unified pool, bond allocation, municipal finance, bond cap, housing bonds, residential rental projects, manufacturing bonds, enterprise zone bonds
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/11/26
Commerce Finance and Policy
Transcript Highlights:
- </c><01:17:50.720><c> to</c> affairs at Rocket Rocket Mortgage to affairs at Rocket Rocket Mortgage to
- . mortgages. mortgages.
- </c> purpose mortgages. purpose mortgages.
- </c> business purpose mortgage loan. business purpose mortgage loan.
- </c> business purpose mortgage loans. business purpose mortgage loans.
Keywords:
travel insurance, regulation, insurance licensing, consumer protection, travel assistance, short-term rental, vacation rental, home sharing, rental marketplace, online platform, property damage guarantee, damage waiver, reimbursement insurance, insurance regulation, commerce department, platform user, Airbnb, Vrbo, host protection, rental home marketplace
TX
Keywords:
notice publication, alternative media, government transparency, civic engagement, local government, housing finance, residential development, tax exemption, mortgage, suicide prevention, peer support, fire departments, mental health, advisory committee, e-cigarettes, public health, schools, retail regulation, fire department, age limit
TX
Keywords:
notice publication, alternative media, government transparency, civic engagement, local government, housing finance, residential development, tax exemption, mortgage, suicide prevention, peer support, fire departments, mental health, advisory committee, e-cigarettes, public health, schools, retail regulation, fire department, age limit
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 25th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- Next on your agenda is item number six, Senate Bill 5831, enacting the Uniform Mortgage Modification
- The priority of the mortgage would not be affected, and the mortgage would retain its priority regardless
- Next on your agenda is item number six, Senate Bill 5831, enacting the Uniform Mortgage Modification
- The priority of the mortgage would not be effective, would not be affected, and the mortgage retained
- It does not undermine the underlying order of priority of lien holders in a mortgage.
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 24th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- So it's like starting all over again with the 30-year mortgage at the maximum payment.
- So now you have that many people likely of defaulting on their mortgage because they won't be able to
- If you meet the insurance industry's mitigation threshold, then you qualify and you can't be non-renewed
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 18th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- recorded before the recording of the mortgage or deed of trust.
- of a mortgage.
- Senate Bill 5831 would enact the Uniform Mortgage Modification Act.
- The priority of the mortgage is not affected by the modification.
- The mortgage retains its priority regardless of whether a record of the mortgage modification is recorded
Keywords:
mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling
AZ
Arizona 2026 Regular Session
03/16/2026 - Senate Military Affairs and Border Security
Military Affairs and Border Security
Transcript Highlights:
- Do they not qualify? Do they qualify for access?
- I mean, they qualify to vote, but they don't qualify for access? Is that what you're saying?
- Because if you're not qualifying for one, you should be ineligible for both.
- of citizens who have the right to vote in any election and get registered to vote that might not qualify
Keywords:
border security, drug trafficking, human smuggling, law enforcement funding, Arizona, public safety, immigration, military leave, national guard, employment rights, paid leave, disaster response, veterans services, education programs, funding, appropriation, Yavapai county, lawful presence, public programs, verification
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 32 Mar 31st, 2026 at 09:30 am
Oklahoma House Floor Meeting
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 32 Mar 31st, 2026
Oklahoma House Floor Meeting
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
Summary:
The House convened, completed the roll call, prayer, and Pledge of Allegiance, and then moved through routine business including second-reading referrals and committee reassignments. Senate Bill 1627 and Senate Bill 625 were withdrawn from their prior committees and assigned to Rules. The chamber also recognized Dr. James David Campbell as Doctor of the Day and Courtney Copen as Nurse of the Day.
Members held several floor presentations honoring the Choctaw High School drama team for winning the 2025 OSSAA 6A-1 one-act play state championship and related speech and debate honors, and the Arapaho-Butler Lady Indians for winning the 2025 Class A fast-pitch softball state championship. A proclamation was read designating March 31, 2026, as Affordable Housing Day, highlighting Oklahoma’s housing shortage and the economic impact of the state’s affordable housing tax credit program.
The House adopted House Resolution 1041, which supports designation of a nuclear lifecycle innovation campus in Oklahoma, after Representative Archer explained the measure and requested unanimous consent. During announcements, members noted Transgender Day of Visibility, committee meeting changes, a rural caucus meeting, a public health meeting, and a Capitol devotion. The House then adjourned without objection until Wednesday, April 1, 2026, at 1:30 p.m.
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 31 Mar 30th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Transcript Highlights:
- She is a congressional champion and national qualifier.
- She is a three-time state qualifier for golf.
- She is a three-time state qualifier for golf.
- She was a freshman state qualifier for tennis.
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
HI
Transcript Highlights:
- Mortgage Bankers Association of Hawaii in support.
- /c><00:22:30.440><c> this</c> >> The mortgage interest deduction, this >> The mortgage interest
- </c> bill contemplates removing the mortgage bill contemplates removing the mortgage interest<00:22:32.360
- </c> of worth to eliminate the mortgage of worth to eliminate the mortgage interest<00:22:48.520><c>
- So, the second mortgage, second home mortgage, um, non-deductible, but your main home is, it's like paid
Keywords:
owner-builder, exemption, housing crisis, contractor, leasing restrictions, affordable housing, construction, regulations, teacher housing, housing vouchers, teacher retention, Hawaii Department of Education, hard-to-staff schools, housing, first-time home buyers, savings account, tax deductions, homeownership, savings accounts, tax deduction
Summary:
The House Housing Committee heard testimony on several housing-related bills. HB 1743 would expand the owner-builder exemption by repealing a leasing restriction and requiring notice when a leased residential structure was built by an unlicensed contractor. Subcontractors Association of Hawaii and the Contractors Licensing Board opposed the bill, warning it could encourage unlicensed contracting and weaken consumer protections, while Hawaii Realtors, Housing Hawaii’s Future, Grassroot Institute of Hawaii, BIA Hawaii, and others supported it as a way to increase housing flexibility. After questions about whether licensed electrical and plumbing work would still be required, the committee voted to pass HB 1743 with amendments and a defective date.
The committee also heard and advanced HB 2122 HD1 on teacher housing, which would create a teacher housing assistance program using vouchers from the teachers housing revolving fund. Testimony included support from the Chamber of Commerce of Hawaii, Housing Hawaii’s Future, the Democratic Party of Hawaii Education Caucus, and individuals, with the Office of Collective Bargaining in opposition and the Department of Education offering comments. The bill was voted out as is. The committee then considered HB 1756 and HB 1837, both updating the individual housing account program to reflect current housing prices; supporters including Housing Hawaii’s Future and the Office of Hawaiian Affairs said the limits were outdated and needed inflation adjustments, and HB 1756 was passed with amendments while HB 1837 was deferred as nearly identical.
HB 1729 would disallow the state home mortgage interest deduction for second homes. Hawaii Realtors opposed it, while Housing Hawaii’s Future supported it as a way to prioritize first-time homebuyers and reduce competition from second-home buyers. The chair noted a possible revenue savings estimate and the committee passed the bill with amendments, with several reservations. Finally, HB 2559 would prohibit real estate brokers from marketing residential property to limited exclusive groups of buyers, which the Office of Consumer Protection said needed an enforcement clarification and the Realtors said could affect some legitimate private-listing situations. The chair proposed replacing the outright ban with a disclosure requirement for private listings, and the committee passed HB 2559 with amendments. The hearing then adjourned after the chair thanked members, staff, and the public.
AL
Alabama 2026 Regular Session
Alabama House Financial Services Committee Jan 14th, 2026
Financial Services
Transcript Highlights:
- So, I have HB 55, and HB 55 would require financial institutions to allow mortgagors to make mortgage
- And also, we do know that mortgage inflation has increased as well as mortgage payments.
- </c> mortgage principal without a penalty. mortgage principal without a penalty.
- payment and potentially their mortgage payment and potentially saving<00:05:30.639><c> on</c><00:05:
- Well, you'll be speaking with someone with extensive knowledge in the mortgage industry as a 31-year
HI
Transcript Highlights:
- you look at polities around the world, they generally have a term that is rational for financing mortgage
- rational generally have a term that is rational for<00:49:04.319><c> financing</c><00:49:04.800><c> mortgage
- </c><00:49:05.280><c> purposes</c><00:49:05.680><c> for</c> for financing mortgage purposes for for financing
- mortgage purposes for economic<00:49:06.480><c> lands.
Bills:
HB1817, HB2056, HB2616, HB1718, HB1842, HB1740, HB1919, HB1616, HB1774, HB1984, HB1603, HB2171
Keywords:
fishing regulation, ʻamaʻama, striped mullet, bag limit, overfishing, Hawaii fisheries, funding, appropriations, Honolulu, housing, construction, grant-in-aid, community development, Banyan Drive, Hawaii community development authority, cultural revitalization, special fund, public safety, economic development, affordable housing
Summary:
The committee heard HB 1817, which would create a daily bag limit for amaa/ama fish to protect Hawaii’s fisheries. DLNR said the biggest stressor on amaa populations is diversion of freshwater flows that cut off food sources for juvenile fish, and suggested that place-by-place rulemaking with fishers and stakeholders would be the most effective approach. A teacher and several Waialua Elementary students testified in strong support, describing research on declining catch data, cultural importance, and the need to preserve the fish for future generations. Other supporters said the fish is being outcompeted by invasive species and cited historical declines, including testimony that bag limits in Hilo Bay have helped increase populations.
Committee members asked DLNR about traditional and cultural gathering rights, whether the bill’s bag limit would apply to native Hawaiian practices, and whether the limit was 10 per day or per season. DLNR said constitutional Hawaiian practices are protected, but also noted that if the bag limit is set in statute it would limit the department’s flexibility to tailor rules by area. Members also asked about other conservation efforts, and DLNR said fish pond revitalization and amaa production are underway statewide. One member raised concern that a statewide statutory limit might not fit conditions on every island, and DLNR said it has authority to adopt area-specific rules through rulemaking, though that process can take months to more than a year.
The committee then moved to HP 206, an appropriations measure for the City and County of Honolulu involving school land transfers, and HP 266B relating to Banyan Drive. On HP 206, the county said the request is a one-time item and estimated costs were about $3.25 million, with the city and county already spending more than $350,000 on the transfers. On HP 266B, HCDA said it is conducting a master planning effort for Banyan Drive and plans a community visioning exercise this summer. Testimony from the Banyan Drive redevelopment agency emphasized the need for more flexible land-tenure rules, while OHA supported the bill with amendments to include cultural specialists and lineal descendants in the redevelopment process and to protect ceded lands. No votes were taken in the portion of the meeting provided.