Transcript Highlights:

• Next, it increases the interest rate for loans greater than $100.
• They're asking for a modest increase in interest rates from 5%...
• They're asking for a modest increase in interest rates from 5% percent.
• The bill does raise the interest rate from 4% to 5% per 30 days.
• But these other pieces, the interest rate and the document preparation fee, are percentages, their rates

Bills: HB1269, HB2624

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights, 904, all

Summary: The Senate Business, Trade & Economic Development Committee heard public testimony on several House bills. HB 2624 would expand an existing exemption in the solicited real estate transaction law so public entities could solicit and buy real property for any public purpose, for Indian tribes, or for nonprofit nature conservancies; the sponsor and conservation groups said these transactions are lengthy, appraised differently, and not like predatory home-buying schemes, while a forest landowners group opposed the bill as creating a loophole for low-ball offers to vulnerable owners. HB 2334 would authorize rounding of cash transactions to eliminate the need for pennies, with rounding applied after tax and limited to in-person cash transactions; supporters from grocery and retail groups said banks are no longer supplying pennies and the bill provides needed clarity, while the sponsor and staff noted it differs from the Senate companion by making rounding permissive and adding protections for sellers. The committee also heard HB 1269 on pawnbroker fees, which would shorten the loan period from 90 to 60 days, raise interest and preparation fees, increase storage fees, and allow online payments for extensions. Pawnbroker representatives and the sponsor argued the changes are modest, overdue, and needed to keep small businesses viable and serving unbanked customers, but senators questioned whether the combined increases were truly modest and raised concerns about affordability; the sponsor said she was willing to work on the numbers. HB 2428 would require insurers to send advance notice before an individual life insurance policy lapses and allow notice to a designated third party; the sponsor, the Office of the Insurance Commissioner, insurers, AARP, and consumer advocates supported it as a way to prevent unintentional lapses for seniors and others with cognitive or caregiving challenges, though insurers noted added compliance costs and that the bill applies to policies issued on or after January 1, 2027. Finally, the committee heard HB 1078 on pet insurance, which would bar cancellation or nonrenewal based on age or certain conditions and require continuity protections when policies move between affiliated companies. The Office of the Insurance Commissioner strongly supported the bill as a consumer protection measure, saying it would help ensure pet owners are not dropped because a condition develops during the policy term. After testimony on all bills, the chair adjourned the meeting; no votes were taken in the transcript.

Transcript Highlights:

• rate add-ons and rate cutbacks different rate add-ons and rate cutbacks which<00:07:01.599><c> again
• So these are rates that are not currently cost-based rates.
• were</c> but um these rates these sud rates were but um these rates these sud rates were mostly<00:19
• rate?
• </c><00:40:11.040><c> and</c> mental health rates and sud rates um and mental health rates and sud rates

Bills: HF1005

Keywords: health insurance, medical assistance, behavioral health, reimbursement rates, primary care services, physician fee schedule, managed care, residential services, 1183, house

Transcript Highlights:

• Now, that is not the parole rate; I'm not focused on the parole not focused on the parole rate.
• higher parole rate because those people were never coming up for parole.
• That's called the conformance rate.
• Conforming to the guidelines, not the parole rate, but conforming to the guidelines.
• You pointed it out with the conformance rate. It's broken. It's not working.

Bills: HB202, HB42, HB146, HB492, HB285, HB7, HB454, HB42, HB7

Keywords: law enforcement, immunity, civil liability, use of force, recruitment, bail reform, cash deposit, judicial discretion, criminal justice, Alabama law, youthful offender, capital murder, public safety, victims' rights, juvenile offenders, delinquent acts, juvenile court, nonfelony offenses, water safety offenses, illegal immigration

Transcript Highlights:

• The reality is that youth vaping rates have already declined.
• because what I'm hearing is there's a lot of data out there that when you do just put up cash, the rate
• So the failure rate on an FTA, in terms of they come back to court... ...FTA in terms of they come back

Bills: SB210, SB225, HB280, HB287, HB94, HB88, SB157, HB7, HB8, HB42

Keywords: hospital liens, medical billing, government healthcare, insurance claims, patient rights, blood tests, DUI, law enforcement, traffic offenses, chemical analysis, public nuisance, event liability, local government, community health, legal action, transparency, reporting, public safety, regulation, accountability

Transcript Highlights:

• are lower than our 5% rate.
• If you pay the surtax and the base rate, that would be your top marginal rate.
• If you pay the surtax and the base rate, that would be your top marginal rate.
• The birth rate is cyclical.
• credit rating.

Bills: H5006, H5007

Keywords: tax revenue, state surplus, taxpayer refunds, budget growth, Massachusetts General Laws, income tax, tax reduction, state law, personal income tax, tax rates

Summary: The Special Joint Committee on Initiative Petitions held a public hearing on two proposed ballot initiatives: one to reduce the state personal income tax rate from 5% to 4% over three years, and another to revise the state tax collection cap law (62F) so the cap would be based on the prior year’s actual collections plus wage-and-salary growth and would include surtax revenue. Committee chairs outlined the hearing process and noted that the measures would need additional signatures to qualify for the 2026 ballot if not enacted by the legislature. The committee’s expert witness, Doug Howgate of the Massachusetts Taxpayer Foundation, said the income tax proposal would lower the base rate in stages beginning in 2027 and would ultimately reduce state income tax collections by about $5.4 billion annually when fully implemented. He estimated savings would vary by income level, from a few hundred dollars for lower- and middle-income households to about $10,700 for taxpayers at the surtax threshold. He argued the proposal would improve tax competitiveness but would also require major budget adjustments, likely including reserve use, spending cuts, and possibly new revenue measures; he cited prior downturns and said the state’s rainy day fund is stronger than in past recessions, though spending growth and health care costs remain concerns. On the 62F proposal, he said rebasing the cap to prior-year collections would make refunds more likely, with modeled refunds totaling about $7.9 billion without the surtax and $10.1 billion with it over the last decade, and warned it could reduce stabilization fund deposits and constrain recovery after recessions. Proponents of both petitions, including representatives from Taxpayers for an Affordable Massachusetts, NFIB, Pioneer Institute, and the Mass Opportunity Alliance, argued that Massachusetts faces an affordability and competitiveness crisis and that lower taxes would help families, small businesses, job creation, and outmigration. They said the income tax cut would put about $1,300 a year back into the hands of average families, help pass-through businesses reinvest, and improve the state’s ability to compete with lower-tax states such as North Carolina. Their economist, Rebecca Paxton, presented a model projecting average annual revenue losses of about $680 million during the phase-in and a total net income tax revenue impact of $2 billion to $2.2 billion, while saying long-term revenue growth would be stronger after implementation. The hearing ended with committee questions and a brief dispute over a planned voter testimonial video, which the chairs said was not appropriate for the hearing at that point.

Transcript Highlights:

• fall 2027, they're eligible for the resident student tuition rate.
• </c> non-state outofstate rates. non-state outofstate rates. &gt;&gt; Mr.<00:08:28.720><c> Hopkins.
• </c> student tuition resident tuition rate. student tuition resident tuition rate.
• Um, as far as resident tuition rates, no. Um, we did not include that in this bill.
• Um as far as resident tuition rates,<00:32:23.919><c> no.

Bills: HF3432, HF3411

Keywords: resident tuition, employment, higher education, Minnesota, tuition rates, state universities, immigration status, immigration, postsecondary education, privacy, data access, federal officers, 1183, house

Transcript Highlights:

• Death rate. We are now the number one nation of human trafficking in the entire world.

Bills: HB176, HB180

Keywords: tax, ad valorem, voter-approval, local government finance, property tax, repeal, tax rates, school finance, tax reduction, compressed tax rate, education, funding

Transcript Highlights:

• My understanding is that because it fell below what is already assumed to increase in rates, then it
• Nursing homes are paid via the VBR rate methodology, which increases over time, and that rate methodology
• </c> any direction to DHS to update the rates any direction to DHS to update the rates or<00:49:04.520
• I'm also pleased to see that House File 1419 provides an annual update to elderly waiver rates.
• </c> update to the elderly waiver rates update to the elderly waiver rates ensuring<01:04:21.279><c>

Bills: HF1419, HF500

Keywords: nursing facilities, reimbursement rates, elderly care, minimum wage, healthcare funding, nursing home, employment standards, worker rights, Minnesota Statutes, labor compensation, 1183, house

Transcript Highlights:

• As a nursing home provider operating under Minnesota's rate equalization policy, we have no mechanisms
• As a nursing home provider operating under Minnesota's rate equalization policy, we have no mechanisms
• As a nursing home provider operating under Minnesota's rate equalization policy, we have no mechanisms
• As a nursing home provider operating under Minnesota's rate equalization policy, we have no mechanisms
• As a nursing home provider operating under Minnesota's rate equalization policy, we have no mechanisms

Bills: HF1419, HF500

Keywords: nursing facilities, reimbursement rates, elderly care, minimum wage, healthcare funding, nursing home, employment standards, worker rights, Minnesota Statutes, labor compensation, 919, house, all

Summary: The committee took up House File 500, which would require the legislature to fund the Nursing Home Workforce Standards Board’s standards before they could take effect. An author’s DE2 amendment was adopted first; the amendment was described as pausing the board’s standards unless the legislature estimates and fully pays the cost for each nursing home. The bill author argued that mandates without money create serious consequences for seniors and providers, and said the measure would keep budget authority with the legislature rather than an appointed board. Supporters, including nursing home operators and the Long-Term Care Imperative, said the board’s holiday pay and minimum wage standards would create large unfunded costs, citing estimates ranging from hundreds of thousands to millions of dollars for individual facilities and more than $200 million statewide. They argued that some facilities could face debt, reserve depletion, or reduced access to care if the standards are not funded. Opponents, including SEIU workers and union leaders, said the board has improved staffing, recruitment, morale, and worker safety, and that caregivers deserve higher wages and holiday pay. They argued the bill would weaken the board’s ability to address chronic understaffing and would shift focus away from worker protections. Members also debated whether nursing home reimbursement rates have already risen enough to cover wages and whether the problem lies with how funds are used by providers. After public testimony closed, several members spoke in opposition and support. A roll call was requested, and the committee voted 9-7 to re-refer House File 500, as amended, to the Committee on Labor and Workforce and Economic Development Finance and Policy.

Transcript Highlights:

• is lower than our 5% rate.
• If you pay the surtax and the base rate, that would be your top marginal rate.
• If you pay the surtax and the base rate, that would be your top marginal rate.
• dividends at a higher rate.
• The birth rate is cyclical.

Bills: H5006, H5007

Keywords: tax revenue, state surplus, taxpayer refunds, budget growth, Massachusetts General Laws, income tax, tax reduction, state law, personal income tax, tax rates, 1212, all

Transcript Highlights:

• then the date that they're towing, say March 25th, and the cargo that they're towing.
• property towing.
• property towing.
• private property towing.
• I have a tow company.

Bills: HB309, HB487, HB503, HB590, HB606, HB679, HB693, HB695, HB707, HB720, HB728, HB733, HB746, HB777, HB846, HB849, HB856, HB868, HB873, HB875

Keywords: pedestrian safety, cellphone usage, crosswalk regulations, traffic laws, distracted walking, red light, traffic signal, traffic-control signals, traffic violation, traffic safety, road rage, shoulder lane, turn lane, passing stopped vehicle, overtaking at intersection, intersection safety, motor vehicle, driver fine, citation, Louisiana traffic law

Summary: The House Transportation Committee met on March 16 with a quorum present and first deferred three local bills at the sponsor’s request: HB 590, HB 679, and HB 873. The committee then advanced HB 503, which cleans up prior local language for Golden Meadow by removing a reference to electric golf carts and updating the definition of utility terrain vehicles; the technical amendment set was adopted and the bill was reported with amendments. HB 720, dealing with tacit dedication of roads and preserving historic public access to waterways and related access points, was reported favorably after members agreed to continue working on the amendment language before floor debate. The committee spent substantial time on HB 309, which originally made it a crime to walk in a crosswalk while looking at a cell phone. After amendments converted the proposal to a $25 civil fine and added a rebuttable presumption of liability for damages, members from both parties raised concerns about enforceability, tourism and urban pedestrian patterns, free-will and overreach arguments, and the lack of data tying the conduct specifically to crosswalk crashes. The author argued the measure was intended to promote situational awareness and reduce pedestrian injuries and fatalities, but after opposition testimony the bill was voluntarily deferred. Members then reported HB 856, which expands DOTD’s use of indefinite delivery/indefinite quantity construction contracting and adds the Office of Louisiana Highway Construction, after technical amendments clarified the contracts are for construction-phase work. HB 487, increasing penalties for drivers who use shoulders or turning lanes to bypass red lights, was reported with a technical correction after police support testimony. HB 846, prohibiting license plate coverings or films that obscure plates, was reported favorably after law enforcement support and discussion of clear frames versus obscuring covers. HB 733 and HB 875, both tied to OMV fee and lapse-of-insurance recommendations from the Legislative Auditor, were reported with amendments adjusting grace periods and offense timing. The committee also took up HB 695 on consensual non-commercial towing permits. After extensive questioning about whether the bill applied to multiple vehicles, interstate travel, OMV implementation, and the practicality of an honor-system QR code permit, the sponsor agreed to amend the bill to cover multiple vehicles and then voluntarily defer it for further work with OMV and State Police. HB 777, requiring a driver’s license renewal knowledge exam, was amended at the department’s request and then voluntarily deferred for further review. HB 868, prompted by a fatal trailer accident involving a farmer’s wife, would require trailers to meet safety-chain and braking standards consistent with manufacturer specifications or federal standards; after concerns from members and the Agriculture Commissioner about impacts on older farm equipment, the bill was reported with amendments. Finally, HB 707 moved the LPG Commission’s marketing functions to the Department of Agriculture and Forestry and was reported with a technical amendment, HB 693 on legislative district highway signs was voluntarily deferred after amendments, and HB 746 on local oversized trucking permits opened a broader discussion about parish-by-parish permit disparities, with the sponsor proposing a one-year moratorium on new local standards while stakeholders work toward a more uniform system.

Transcript Highlights:

• I think we’re rated number two in the state as far as best academic district in the whole state.

Bills: SB309, SB457, SB513, HB148, HB149, HB358, HB384, HB428, HB487, HB593, HB613, HB657, HB675, HB712, HB716, HB720, HB723, HB728, HB732, HB845, HB846, HB965

Keywords: driving school, driver education, prelicensing course, motor vehicles, Department of Public Safety, Office of Motor Vehicles, third-party tester, third-party examiner, private driving instructor, license application, consumer protection, course pricing, tuition regulation, administrative rules, transportation committee, construction, management, project delivery, public contracts, legislative approval

Summary: The House Committee on Transportation met on April 22, 2026, with a quorum present and heard several transportation-related bills, many involving license plates, toll exemptions, and administrative changes. The committee first advanced HB 988 by Rep. Bagley, which changes the fee distribution for current and retired legislators’ special prestige license plates so the proceeds support repairs at the Pentagon/first LSU building rather than going to the state. It then heard HB 1001 by Rep. Marcel, designating a portion of U.S. Highway 190 as the Jesse Jackson Memorial Highway; the bill was supported with remarks honoring Jackson’s civil rights legacy, and the committee observed a moment of silence before reporting it favorably without objection. The committee next considered HB 989 by Rep. Boyer, which updates and clarifies fees charged by public license tag agents. Rep. Phelps offered an amendment to exempt Shreveport from the fee increase, but it failed on a roll call vote, and the bill was then reported favorably by a 13-2 vote. HB 1192, also by Rep. Boyer, creating a Louisiana Dental Hygienist Association specialty license plate, was amended to remove a restriction limiting issuance to association members and then passed favorably without objection. HB 1032 by Rep. Wiley, which clarifies the substances referenced in DUI-related motor vehicle statutes, received technical amendments and was reported favorably without objection. The committee also advanced HB 748 by Rep. Brough, exempting Louisiana school board-owned and leased vehicles from tolls on bridges and highways, including the Bell Chasse toll bridge area, after testimony from Plaquemines Parish school officials and the district attorney describing toll costs and operational burdens; the bill was amended to include leased vehicles and then reported favorably without objection. HB 1108 by Rep. Omade creating a homeschool pride specialty plate was also reported favorably without objection after discussion of the plate design and proceeds going to Homeschool Louisiana. Finally, HB 1081 by Chairman Wright, restructuring the Louisiana Ports and Waterways Investment Commission under the Office of Multimodal Commerce and DOTD for administrative support, was amended at the request of the Governor’s Office and reported favorably without objection. The committee adjourned after completing its agenda.

Bills: HB1382, HB3945, HB4449, HB5043, HB5388, HB5397, HB5499

Keywords: education, funding, student support, financial aid, K-12, higher education, weather modification, prohibition, criminal offense, Texas, agriculture, environmental control, agriculture law, Texas legislation, chemical control, Texas law, massage therapy, regulation, licensing, criminal penalties

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB1966, SB175, SB1475, SB1950, SB2049, SB2052

Keywords: memorial highways, bridge designations, Oklahoma Statutes, commemorative markers, transportation, uninsured vehicles, reimbursement fund, towing services, commercial vehicles, public safety, memorial, infrastructure, dedication, Toby Keith, aviation, aircraft, surveillance, regulations, fees, Oklahoma statutes

Bills: SB1966, SB175, SB1475, SB1950, SB2049, SB2052

Keywords: memorial highways, bridge designations, Oklahoma Statutes, commemorative markers, transportation, uninsured vehicles, reimbursement fund, towing services, commercial vehicles, public safety, memorial, infrastructure, dedication, Toby Keith, aviation, aircraft, surveillance, regulations, fees, Oklahoma statutes

Summary: The Senate Aeronautics and Transportation Committee met during deadline week and heard several Senate bills. Senate Bill 1966, naming a bridge after Clyde and Grace Cook, was briefly explained by Senator Bullard and advanced unanimously. Senate Bill 1475, designating the I-35 and Indian Hills Road interchange as the Toby Keith Memorial Interchange, also advanced after members confirmed the family’s support and clarified it was separate from a prior turnpike naming resolution. The committee spent substantial time on Senate Bill 175, which creates an uninsured commercial vehicle recovery reimbursement fund to pay wreckers for cleaning up abandoned uninsured commercial vehicles. Members questioned the use of existing fee revenue, possible overlap with prior weigh station funding, and the $10,000 per-vehicle cap. Despite concerns, the bill advanced on an 8-3 vote. Senate Bill 1950, as amended, would prohibit using ADS-B aircraft tracking data to calculate or collect fees from aircraft owners or operators; the author said the goal was to preserve state registration revenue while preventing private third parties from using the data for fee collection. The bill advanced unanimously. Senate Bill 2049, as amended, would require the Transportation Commission rather than staff or the Attorney General to approve the decision to call a contractor’s bond on ODOT projects. Supporters said it adds oversight and protects staff, while opponents argued it is unnecessary and could delay action; it advanced 10-1. Senate Bill 2052 would update DPS commercial motor vehicle enforcement provisions, increase fines, and route appeals through the administrative process and then district court; members discussed fine levels, appeals, and related weigh station funding. It advanced 9-2, and the meeting adjourned afterward.

Transcript Highlights:

• Upon a payment error rate.
• Higher rate of 10% of error rate share.
• </c> the state error rates. the state error rates.
• </c> do to make sure the air rates lower? do to make sure the air rates lower?
• </c><01:04:19.039><c> It</c> affect error rates? It affect error rates?

Keywords: Meeting Start 00:00:00 FY 2025 Budget Close Out 00:02:55 Impressions of H.R. – 119th Congress 00:28:15 SNAP Payment Error Rates 00:37:05, 958, all

Summary: The committee first established a quorum, approved the July minutes, and recognized Jennifer Hayes of the Department of State Budget Director for her retirement and long service. Secretary Hicks then presented a review of fiscal year 2025 closeout for the general fund and road fund, explaining that the general fund ended with a $313 million surplus and the road fund with a $61 million surplus. He attributed the general fund result to strong corporate income and LLC tax receipts, investment income, and lower-than-budgeted spending, while noting that individual income tax and sales tax underperformed estimates. He also described how the general fund surplus was allocated, with $62 million used for necessary government expenses and $251 million deposited into the budget reserve trust fund, which remained at historically strong levels. For the road fund, he said the surplus would be deposited into the Department of Highways construction account, and he highlighted record motor vehicle usage tax receipts despite lower motor fuels tax revenue due to a rate decline. Members asked questions about the pass-through entity tax, delayed filing deadlines, THC beverage sales, and income tax collection from undocumented workers. Hicks said the pass-through entity tax remains difficult to model because of timing issues and the first year’s unusual filing pattern, and that staff are still working with the Department of Revenue and other states to improve forecasting. He said the delayed filing deadline likely would not require a major restatement and that any related receipts would still be counted in fiscal 2026. On THC beverages, he said the issue would be considered in the next forecasting cycle. On the undocumented-worker question, he said withholding may capture some of the revenue but referred broader collection efforts to the Department of Revenue. The committee then shifted to an overview of the federal reconciliation act’s potential impact on the next biennial budget, with Hicks and Commissioner Lisa Dennis focusing on Medicaid and SNAP. Hicks said the Congressional Budget Office estimated roughly $900 billion in federal savings over 10 years, driven in part by work or community engagement requirements for the Medicaid expansion population and limits on state-directed payments. He emphasized that CMS still must issue regulations to define how the state-directed payment reductions will be calculated, making the exact fiscal impact uncertain. He referred members to a prior Medicaid Oversight Advisory Board presentation for more detail, and the discussion remained informational with no votes or formal actions taken on the federal changes.

Transcript Highlights:

• regulate insurance rates?
• to lower rates.
• rate that's being filed, it has no impact on that rate that's being filed.”
• Or review rates that have been filed to be changed? What do you mean by reviewing rates?
• same rates applied.

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.