Transcript Highlights:

• Do you have research that, and maybe someone behind you does, that can also lend itself to that conversation
• Do you have research that, and maybe someone behind you does, that can also lend itself to that conversation
• They just don't have that sense of calm, so that can lend itself to ADHD or some of those others.

Committee: House Elementary and Secondary Education

Transcript Highlights:

• Either way, I think it would lend itself to remove a fixed price because I think the percentage is actually
• So either way, that would sort of lend itself to... ...minutes right now.
• So either way, that would sort of lend itself to remove a fixed price and say, let them inspect the car

Committee: Joint Transportation Interim Committee

Transcript Highlights:

• Conservation, director, Agriculture Development Division, Agency of Agriculture, director of Agricultural Lending
• Conservation, director, Agriculture Development Division, Agency of Agriculture, director of Agricultural Lending
• Conservation, director, Agriculture Development Division, Agency of Agriculture, director of Agricultural Lending
• Conservation, director, Agriculture Development Division, Agency of Agriculture, director of Agricultural Lending

Transcript Highlights:

• investment pool money back well, maybe for the first time, into New Hampshire's banks so that they can lend
• banks so<00:12:29.280><c> that</c><00:12:29.640><c> they</c><00:12:29.880><c> can</c><00:12:30.400><c> lend
• <00:12:31.000><c> out</c><00:12:31.440><c> to</c><00:12:31.560><c> businesses</c> so that they can lend
• out to businesses so that they can lend out to businesses and<00:12:33.000><c> individuals.

Committee: Senate Finance

Transcript Highlights:

• She's the purveyor of Split Rock Lending Library, a private lending library for all sorts of people.
• She's the purveyor of Split Rock Lending Library, a private lending library for all sorts of people.

Transcript Highlights:

• Authority, which would serve as a conduit for access to private finance markets, whether through lending
• whether</c><00:04:21.759><c> it</c><00:04:22.000><c> be</c><00:04:22.560><c> uh</c><00:04:23.040><c> lending
• </c> markets, whether it be uh lending markets, whether it be uh lending through<00:04:23.680><c> a</

Bills: SB62 , HB361 , HB244 , HB377 , HB411 , HB422 , HB423 , HB425 , SB16 , HB452 , HB354 , SB62 , HB361 , HB244 , HB377 , HB411 , HB422 , HB423 , HB425 , SB16 , HB452 , HB354

Committee: House Ways and Means Education

Keywords: SB62, Alabama, conservation and natural resources, hunting license, fishing license, wildlife heritage license, license identification, government-issued ID, residency determination, in-state residency, student residency, tuition classification, public higher education, domicile, resident status, Department of Conservation and Natural Resources, DCNR, Section 9-11-32, Section 9-11-33, Section 16-64-3

Transcript Highlights:

• address the first part about the idea that, you know, there may be fact patterns that don't necessarily lend
• 41:46.880><c> that</c><00:41:47.200><c> don't</c><00:41:47.599><c> necessarily</c><00:41:48.240><c> lend
• </c> patterns that don't necessarily lend patterns that don't necessarily lend themsel<00:41:49.200><

Committee: Joint Judiciary, Division B

Transcript Highlights:

• Chair, this is nothing but a protection for those people so we don't have predatory lending here, and
• Chair, this is nothing but a protection for those people so we don't have predatory lending here, and
• Chair, this is nothing but a protection for those people so we don't have predatory lending here, and
• Chair, this is nothing but a protection for those people so we don't have predatory lending here, and

Bills: HF2601 , HF2607 , HF2027 , HF2608

Committee: House Commerce Finance and Policy

Transcript Highlights:

• The thought was, because we're dealing with finance and lending and the economic development program,
• people from various industry groups, and the thought was that, because we're dealing with finance and lending
• we have a motion and a second on Senate Bill 28 as amended by PHS1. we're dealing with finance and lending
• we're dealing with finance and lending and<00:03:46.319><c> the</c><00:03:46.560><c> the</c><00:03:46.760

Summary: The committee met on March 11, 2025, with a quorum present and first adopted a committee substitute for Senate Bill 28. The bill would create a framework for using $5 million previously set aside for agricultural economic development through the Kentucky Department of Agriculture, including loan and grant programs. Members asked about changes in the substitute, and the sponsor explained that it revised the board composition to include members with more experience in finance, lending, and economic development. SB 28 was approved 20-0 and reported favorably. The committee then approved Senate Joint Resolution 26, which directs the Department for Medicaid Services to provide the Legislative Research Commission a report on pharmacist pay parity and the cost of allowing independent pharmacists and pharmacies to be reimbursed by Medicaid for services within their scope of practice. The sponsor and Kentucky Pharmacists Association representative described it as a request for information rather than a policy change. The resolution passed 20-0 and was reported favorably. House Bill 741, relating to public water and wastewater systems, was next. The sponsor said the substitute incorporated Kentucky Infrastructure Authority recommendations, clarified best management practices, and allowed storm water inflow and groundwater infiltration reduction projects to be scored more fairly alongside water projects. Members discussed how the bill narrows eligibility to systems most in need and refines the scoring process for the program created last session. HB 741 passed 20-0, was reported favorably, and received a title amendment. The committee also considered House Bill 544, a branch budget bill amendment creating a new SAFE fund for the most recent Eastern Kentucky flood disaster, indexed to the relevant presidential disaster declaration. The bill would allow state money and other funds to support local governments, utilities, school districts, and other eligible recipients for recovery costs, planning, and short-term liquidity, with reimbursement provisions if FEMA or other sources later pay. Members discussed the amount of available funding, the use of prior SAFE fund balances, and the emergency clause. HB 544 passed 20-0, was reported favorably, and a title amendment was adopted. The committee then began House Bill 775, relating to development areas, and adopted PHS 2 and a committee amendment; the sponsor started explaining the bill’s provisions on development areas, tax increment financing, brewers’ electronic filing, distilled spirits property tax language, income tax reduction conditions, tourism development incentives, and other tax-related sections, but the transcript cuts off before final action on the bill.

Transcript Highlights:

• Beautiful Bill Act, also known as the Working Families Tax Cut Act, EDF has over $250 billion in lending
• Beautiful Bill Act, also known as the Working Families Tax Cut Act, EDF has over $250 billion in lending
• EDF is also currently lending up to a billion and a half dollars to restart the Palisades reactor up
• And EDF is also currently lending a billion dollars to Constellation to restart Crane, formerly known
• As I mentioned, we have over $250 billion in lending authority available through Title 17, and those

Committee: Joint Advanced Nuclear Energy Committee

Transcript Highlights:

• and all county ordinances and state and federal laws, rules, and regulations, including mortgage lending
• regulations federal laws rules and regulations including<00:00:52.879><c> mortgage</c><00:00:53.280><c> lending
• bylaws, and all county ordinances and state and federal laws, rules, regulations, including mortgage lending
• bylaws, and all county ordinances and state and federal laws, rules, regulations, including mortgage lending
• Did we lending requirements. Mahalo for your time. >> Thank you very much.

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:

• Members, AB 2116, Protect Our Small Businesses from Predatory Lending Act, is a unanimous bipartisan
• Members, AB 2116, protect our small businesses from predatory lending act is a unanimous bipartisan support

Summary: The Assembly convened, initially lacked a quorum, then completed the roll call and prayer, adopted routine procedural motions, and moved through the daily file with many bills passed and retained or passed outright. Early measures included AB 2417 on community college faculty retirement information, AB 1579 expanding the Children’s Crisis Pilot Program, AB 2041 on emergency medical services reporting, AB 1547 on a UC medical school feasibility study in Kern County, and AB 1552 directing higher education segments to report on civic engagement and democracy education. The body also took up SB 73, an urgency elections-security bill, where supporters argued it would protect ballots, voting systems, and election workers from interference, while opponents said it could be unconstitutional, partisan, and overly restrictive of local and federal investigations. SB 73 passed with urgency and immediate transmittal to the Senate. The Assembly then approved a long series of policy bills, many with unanimous or near-unanimous votes, including AB 1554 on California Earthquake Authority transparency, AB 1584 on civil rights duties at the Air Resources Board, AB 1592 on the California Indian Cultural Center, AB 1629 on direct payment to dentists, AB 1645 on prison visitation physical-contact rules, AB 1688 on foster care notice and accountability, AB 1699 on prescribed and cultural burns, AB 1738 on virtual final inspections for single-family homes, AB 1741 on charging sexual battery during a residential break-in as a wobbler, AB 1802 on mitigation lands endowments, AB 1813 on community renewable energy program changes, AB 1899 creating a youth homelessness prevention office, AB 1904 on a credentialing apprenticeship program, AB 1941 on organized metal theft, AB 2043 on drone-attack prevention for mass gatherings and critical infrastructure, AB 2054 on paid family leave for military relatives, AB 2081 on home-based Medi-Cal care, AB 2116 on predatory lending, AB 2122 limiting bench warrants for vehicle-code infractions, AB 2176 on student housing coordination, AB 2187 on tribal public-contract exemptions, AB 2221 on charitable fundraising processing deadlines, AB 2232 on advance parole hearing reporting, AB 2235 on confidentiality of judges’ home addresses, AB 2250 on cannabis/hemp enforcement cleanup, and AB 2266 on electricity. Most measures were described as support or bipartisan bills and passed with little or no opposition. A few bills drew notable debate or recorded opposition, including AB 1813, AB 2122, and SB 73, though all ultimately passed. After finishing 35 items, the Assembly announced it would return the following week with a much larger file, noted upcoming floor amendment deadlines, and adjourned until Tuesday, May 26 at 1 p.m. A post-adjournment vote change was also recorded, changing Assembly Member Dixon’s vote on AB 2041 from aye to no.

Transcript Highlights:

• I've been involved in lots of lending transactions involving all kinds of real estate, so I look forward
• Previously, he served as senior vice president and senior lending officer at Equity Bank.

Bills: HB4322 , HB4202 , HB4203 , HB4457 , HB3983 , HB3660 , HB3802 , HB2933 , HB2955 , HB2956 , HB3781 , HB3521 , HB3794 , HB3796 , HB3800

Committee: Senate Business and Insurance

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Transcript Highlights:

• Asset Strategic Reserve Fund to be managed by the State Treasurer for the custody, investment, and lending
• Asset Strategic Reserve Fund is to be managed by the State Treasurer for the custody, investment, and lending

Summary: The caucus reviewed a long agenda of Senate bills across elections, commerce, education, government, health and human services, judiciary, public safety, transportation, rural development, and ways and means. Many measures were described as consent or third-read consent items, including bills on campaign finance termination statements and late-report penalties, AI provenance data for media, adjuster/contractor conduct during emergencies, Industrial Commission changes, association meeting closures, banking and remittance rules, central bank digital currency, public safety parity funding, barbering and cosmetology board continuation, digital asset reserve management, contractor licensing, gaming and racing commission continuation, school AED instruction, classroom removal procedures, school safety reporting, special education complaint transparency, foreign influence and land ownership restrictions, DCS and DES process changes, health care licensing and reimbursement rules, EMS compact adoption, and multiple tax, housing, and transportation measures. Staff repeatedly summarized each bill and answered questions, with several bills noted as mirror or identical to House measures or as strike-everything amendments from committees. A few bills drew discussion. On SB 2874, staff explained that the Senate amendment would limit penalties for untimely campaign finance reports when a committee certifies it received no contributions and made no expenditures, but the sponsor did not concur. SB 1074 prompted questions about whether parental notification changed; staff said it did not and that the bill was aimed at improving communication between teachers and principals about discipline. SB 1175, requiring DCS caseworkers to photograph children at each interaction in abuse or neglect cases, drew concern about the scope of the photos, while supporters said it would improve continuity and documentation. SB 1180 also drew comment because the sponsor and committee chair disagreed over an amendment, though the bill was advanced for further work. The most extended debate came on SB 1751, which would allow death-row inmates to choose firing squad, lethal injection, or lethal gas if voters approve the related constitutional measure. One member strongly opposed the bill on moral and personal grounds, another argued it could be a more humane option if the state is going to carry out executions, and a third raised concern that it could be used against Second Amendment rights. The bill remained on the third-read consent calendar despite the objections. The caucus concluded after moving through the remaining agenda items, with no formal votes recorded in the transcript beyond committee status and consent-calendar placement.

Transcript Highlights:

• I think the way it's structured would not lend itself to being used for political advantage or gain,
• I think the way it's structured would not lend itself to being used for, you know, political advantage

Committee: House Judiciary, Rules and Administration

Transcript Highlights:

• So I don't know if anybody can lend any more light on the subject, but at this point I'm leaning red
• them that additional working capital that would generally be interest in, you know, and go to the lending

Bills: HB1621 , HB1624 , HB1623 , HB1622 , HB1625 , HB1626 , HB1627 , HCR3038

Summary: The North Dakota House convened in special session with prayer, roll call, and a quorum present, then took up several rural health-related bills. Senate Bill 2401, as amended, required physicians to complete one hour of continuing education in nutrition and metabolic health each renewal cycle and also added language allowing criminal history background checks for the Board of Occupational Therapy Practice. Supporters emphasized the role of nutrition in reducing chronic disease, and the bill passed 92-0. The House then considered Senate Bill 2402, which expanded pharmacists’ limited prescriptive and therapeutic substitution authority for certain low-acuity conditions and clarified related lab-test and communication requirements. Members discussed examples such as motion sickness, cold sores, lice, hypoglycemia, COVID and flu testing, emergency access to medications and supplies, and limits excluding certain drug classes; the bill passed 91-1. Senate Bill 2403 created a temporary medical facility emergency operating loan option through the Bank of North Dakota for qualifying rural hospitals facing severe financial distress, with extensive debate over the targeted nature of the aid, anti-gifting concerns, repayment terms, and the hospital’s turnaround plan; it passed 80-12. Senate Bill 2404 appropriated funds for NDIT to address federal digital accessibility requirements and for the Public Service Commission’s litigation efforts related to transmission costs, with a backup loan authorization available if needed; it passed 92-0. At the close of the session, leaders thanked members and staff for their work on the rural health transformation package, a committee notified the Governor and the Senate that the House had completed its business, absent members were excused, and the House adjourned sine die.

Transcript Highlights:

• risk, are looking at, you know, we're constantly monitoring our default rates and working with our lending
• So we recognize that lending has to incorporate risk, but we want to make sure that we've prudently analyzed

Committee: House Utilities and Energy

Transcript Highlights:

• And this is a program at the Department of Commerce, which awards grants to qualified lending institutions
• Several metrics, among them program loans and investments, including matching investments made by the lending

Summary: The Joint Legislative Audit and Review Committee met on September 17, 2025, welcomed new members, and initially lacked a quorum until Representative Berg arrived. The committee adopted the July 15/16 meeting minutes and discussed a proposed 2026 meeting schedule, including possible changes to address the heavy July workload from tax exemption reviews. Staff then presented the annual lodging tax expenditures report, which showed 213 municipalities received distributions in 2024, 91% reporting compliance, about $114 million awarded for more than 1,700 activities, and over 115 million attendees reported. Several members questioned the self-reported nature of the data and whether the report had enough value; the executive committee indicated it may recommend removing the lodging tax reporting requirement from statute because it is not a compliance tool and consumes significant staff time. The committee next heard the preliminary performance audit of the Office of Privacy and Data Protection. Staff said OPDP generally meets its statutory responsibilities and is well regarded by users, but its statute should be updated to match its current capacity and focus. The audit found OPDP’s work is largely centered on state agencies, with limited public outreach and some overlap with other entities on broadband and privacy education. Two recommendations were presented: review and update OPDP’s statutory duties, including broadband reporting and public outreach, and develop performance measures that better assess long-term privacy outcomes rather than just outputs. Committee members asked about FERPA and other federal privacy laws, and OPDP staff said they can provide broader privacy training and would be willing to offer more specific training if requested. The committee adopted the final report on Washington State recreational boating programs without opposition. Staff reported that boating-related revenues in 2021–23 totaled $108 million, with 53% directed to general government and transportation accounts and 47% to boating programs or projects; no recommendations were made. Members asked about boater education outcomes and agency overlap, and staff and agency representatives said education appears to have reduced fatalities and that the six involved agencies have distinct roles coordinated through a quarterly work group. Finally, staff presented planned study questions for upcoming reviews of L&I’s enforcement of farm worker labor laws, DNR’s Eastern Washington sustainable harvest calculation, and seven 2026 tax preference performance reviews. Members raised scope questions about the farm worker study and whether it should be framed around agricultural workers, and staff said they would follow the legislative mandate and could consider any future clarification. For the DNR review, staff said they are tracking DNR’s ongoing harvest calculation and will assess whether its data and methods align with best practices, while noting that future wildfire or other disturbances are outside the study’s scope. The tax preference review discussion covered the seven preferences to be studied in 2026, including data centers, Main Street credits, equitable access to credit, private airplane sales, landfill gas equipment, adaptive equipment for disabled veterans, and a real estate excise tax exemption for supported living transfers; members asked about equity, environmental impacts, and how staff would evaluate eligibility and savings. The meeting adjourned before noon.

Transcript Highlights:

• In terms of the top uses of those funds, our largest activity by far is home ownership lending, single-family
• our largest activity by far is home our largest activity by far is home ownership<00:05:15.520><c> lending
• ,</c><00:05:16.400><c> um</c><00:05:16.639><c> single</c><00:05:17.039><c> family</c> ownership lending
• , um single family ownership lending, um single family mortgages<00:05:17.759><c> to</c><00:05:18.000
• So if you think about how the resources reach communities, we're either doing lending through mortgages

Bills: SF2434

Committee: House Housing Finance and Policy

Keywords: housing, development fund, affordable housing, Minnesota Housing Finance Agency, expenditure provisions

Transcript Highlights:

• That, and we just would like to align this new requirement with the California Residential Mortgage Lending

Committee: House Banking and Finance