Transcript Highlights:

• And so if you're asked to support that operation, you are the commanding general of a potent combat force
• for that support.”
• to support ICE.
• to support ICE.
• Do you support that? Did you support that?” “Do you support that? Did you support that?

Summary: The Senate Committee on Director Nominations held a confirmation hearing for John Connolly, the current Adjutant General and Director of the Department of Emergency and Military Affairs (DEMA). Connolly described his background in the Army, National Guard, and military law, and outlined DEMA’s dual mission of supporting the Arizona National Guard and emergency management. He emphasized readiness, modernization of aging aircraft and facilities, growth in capabilities such as drones and electronic warfare, partnerships to restore helicopter training at Silver Bell, and stewardship of resources. He also discussed DEMA’s border-related missions, including Task Force Safe at Nogales, counter-drug operations, and use of artificial intelligence to monitor drone activity and build a common operating picture for law enforcement. Committee members questioned Connolly about his interview and vetting process, his role in emergency management, disaster response in Gila County, support for rural counties and tribes, and services for Guard members and families through the Integrated Resilience Operations Center. Several members pressed him on military discipline, lawful orders, classified information, and the distinction between war and hostilities. Senator Rogers focused on chain of command, combat readiness, and whether Connolly’s JAG background prepared him to lead a combat-oriented force; Connolly responded that his role is to provide ready forces, follow civilian authority, and ensure troops have training, equipment, and family support. He also said he had experience advising commanders and teaching lawful versus unlawful orders. A major point of contention came when members questioned Connolly about the 2021 COVID-19 vaccination mandate for the Guard and whether he had treated it as unlawful or unconstitutional. Connolly said it was a lawful order at the time and that exemption processes existed under the regulations. The hearing also turned to immigration enforcement, emergency powers, and whether the Guard should support ICE; Connolly said the Guard is a support function and would respond to a direct request through the governor, but he could not identify a specific scenario in the abstract. No vote or final action was taken during the hearing, and the committee appeared to continue its review after testimony and questioning.

Transcript Highlights:

• And so if you're asked to support that operation, you are the commanding general of a potent combat force
• for that support.
• They'll be supporting ICE.
• to support ICE.
• Do you support that? Did you support that? Do you support that? Did you support that?

Keywords: 1182, all

Transcript Highlights:

• In support of Operation Iraqi Freedom, Mr.
• I look forward to supporting you.
• I do support it. Mr.
• It was overwhelmingly supported.
• I want to move now to women in combat, because prior to women being able to serve in combat arms, cultural

Transcript Highlights:

• Our readiness for large-scale combat operations depends on it.
• in your full combat arms. combat heavy equipment with your service weapon and going on a force march
• This was a thank you for their support. to our country.
• So I think that support the bonus.
• Thanks for your support there.

Keywords: NDAA, military recruitment, personnel readiness, testimony, military leaders

Summary: The committee meeting focused on pressing issues related to the U.S. military's recruitment and personnel strategies, especially in light of the upcoming NDAA for fiscal year 2026. Chairperson expressed appreciation for the service of witnesses including senior military leaders from different branches, emphasizing the importance of personnel as the backbone of national defense. Discussions revealed concerns regarding the recent lowering of recruitment standards across military branches, which could potentially affect the quality of service members and long-term military readiness. Witnesses were asked to address the implications of these changes on military health and efficiency.

Transcript Highlights:

• for combating anti-Semitism.
• for combating anti-Semitism.
• We have Donna Moore, who is waving in support. Dan Davis is waving in support.
• Bill Snyder is waving in support. Shelly Fountain is waving in support.
• We support the Senator in this great bill, bringing it forward. We support this bill.

Bills: S0330, S0526, S0862, S1072, S1078, S1192, S1250, S1296, S1298, S1642, S1698, S7022

Keywords: firefighter disability, law enforcement disability, correctional officer disability, correctional probation officer, presumptive disability, workers' compensation, line of duty presumption, heart disease presumption, hypertension presumption, tuberculosis presumption, public safety employees, first responders, physical examination, preemployment exam, medical specialist, Medicare reimbursement, employing agency, Florida Statutes 112.18, Florida Statutes 943.13, occupational disease

Summary: The committee heard several bills and confirmations, with most measures reported favorably. Senate Bill 330 clarified the heart disease presumption for firefighters, law enforcement, and correctional officers, codifying the medical definition of heart disease and allowing transferring law enforcement officers to rely on a prior physical if a new agency does not provide one. Support was waived in by the Florida Smart Justice Alliance and the Fraternal Order of Police, and the bill passed unanimously. Senate Bill 526, as amended by a delete-all amendment, addressed commercial construction contracts, permit standards, fee reductions when private providers are used, floodproofing, product approval categories, and adoption of certain electrical code standards; it drew support from several construction and business groups and one opposing appearance, then was reported favorably. Senate Bill 1192 created a pilot program for callback queues at the Department of Commerce and Department of Children and Families to reduce hold times for callers seeking re-employment assistance and public benefits, and it also passed favorably. Senate Bill 1078 established transition procedures for a governor-elect, including agency liaisons, briefing materials, office space, and access to records; an amendment shifted IT support to the Department of Management Services, narrowed access to confidential records, and increased penalties for unauthorized disclosure, after which the bill was approved. Senate Bill 7022 extended a public records exemption for classroom examinations and assessment instruments through 2031 and expanded coverage to school district boards and public schools; it was also reported favorably. Senate Bill 862, as amended, set a $60,000 salary goal by 2030 for state correctional officers, probation officers, and institutional security specialists, with annual raises subject to appropriations; members and witnesses emphasized recruitment, retention, and safety, and the bill passed. Senate Bill 1250 removed the requirement that the Commission on Human Relations use registered mail for certain notices under the Florida Civil Rights Act, allowing less expensive notice methods, and it was reported favorably. Senate Bill 1698 allowed certain employers to post required workplace notices electronically instead of physically, and it passed without opposition. The committee also recommended confirmation of 10 appointees to the Florida Commission on Human Relations and the State Retirement Commission. The most extensive debate centered on Senate Bill 1072, which created an anti-Semitism task force within the Department of Legal Affairs to review anti-Semitism in Florida, improve community relations, advise on law enforcement training, assess digital media literacy efforts, evaluate hate crime statutes, and recommend policy changes. The sponsor said the bill was intended to address a growing problem and noted that Florida already uses the Holocaust Remembrance definition of anti-Semitism in statute. Numerous speakers opposed the bill, arguing it could chill protected speech, especially criticism of Israel, and could be used selectively against students, activists, Muslims, Arabs, and Jewish anti-Zionists; several also said existing hate-crime and civil-rights laws were sufficient and that the task force should include protections against Islamophobia and anti-Arab hate. One member raised concerns about the constitutionality of creating such task forces in light of prior actions by the Attorney General. Despite the opposition, the bill was reported favorably on a party-line style vote with Senator Bracey Davis voting yes along with the majority. Senate Bill 1642, the Freedom in the Workplace Act, was also heard and drew significant questioning. The bill would bar public employers and contractors from requiring pronoun use, certain gender-identity-related training, or non-binary sex options on forms, and would protect employees and contractors from adverse action based on religious, moral, conscience-based, or biology-based beliefs. Senator Polsky questioned whether the bill could interfere with anti-harassment training and workplace discipline, while the sponsor said the measure was meant to prevent government coercion and extend protections similar to those in school settings. The transcript cuts off before the final disposition of this bill.

Transcript Highlights:

• before I commit to supporting any particular... number of B-21s.
• I look forward to supporting you. Thank you, Senator. Thank you, Senator Kramer.
• The combatant commanders, they're only getting a portion of what they're asking.
• Thank you for your family for their support of this appointment.
• I hope that I can count on your support to making it happen.

Keywords: national security, military readiness, Kane nomination, defense budget, China threats, Russia, collaboration, modernization

Summary: The meeting centered on the nomination of retired Lieutenant General Dan Kane for Chairman of the Joint Chiefs of Staff, delving into various security concerns and the strategic environment facing the U.S. today. Testimonies highlighted the growing threats from adversaries such as China and Russia, with discussions around the necessity of maintaining and modernizing military capabilities to address these challenges. The need for agility in military operations and enhancing collaboration among various defense agencies was underscored. Further, concerns were raised regarding the defense budget and the importance of a strong national defense strategy were prevalent throughout the discussions. The committee members collectively emphasized the need for superior readiness and modernization to keep pace with global threats.

Transcript Highlights:

• combat deployments?
• So when I have to go to a mission that's supporting someone else's borders, that is supporting someone
• supports HB 930's focus on Combat specific oversight for the Texas National Guard.
• Um, I support this bill and if I could briefly say why my wife Lisa also supports this bill.
• Um, it supports the Constitution.

Bills: HB39, HB227

Keywords: public school finance, property values, homestead exemptions, funding allocation, education policy, HB227, kratom, Mitragyna speciosa, kratom products, kratom processor, kratom retailer, controlled substances, Texas Controlled Substances Act, Health and Safety Code, Penalty Group 1, tianeptine, 7-hydroxymitragynine, mitragynine, synthetic kratom, kratom alkaloids

Transcript Highlights:

• Combating illegal immigration; B. Condominium regulation; C.
• Senate Bill 14A, a bill to be entitled an act relating to combating illegal immigration.
• One, I don't support creating criminal penalties against frontline law enforcement officers.
• I don't support creating new mandates on businesses, and I certainly don't support a big brother database
• That's the kind of partnership I support.

Summary: The Senate convened with a quorum, opened with a prayer recognizing International Holocaust Remembrance Day, and recited the Pledge of Allegiance. The Secretary then read Governor DeSantis’s proclamation calling the Legislature into special session from January 27 to January 31, 2025, limited to five subjects: combating illegal immigration, condominium regulation, agricultural relief after natural disasters, replenishing the My Safe Florida Home Program, and changes to the citizen initiative petition process. The chamber read the filed bills within the call, including several Senate bills on illegal immigration and petition process issues, all referred to Fiscal Policy. A motion was adopted to send any bills filed outside the call to the Rules Committee to determine whether introduction was warranted. The Senate President then discussed President Trump’s immigration executive orders and said Florida would align with federal efforts while preserving the Legislature’s constitutional role. He announced that Senator Gruters would sponsor legislation to implement Trump’s border and immigration plan, including funding to reimburse law enforcement costs and incentives to recruit more officers. He said the bill would be posted, referred to Appropriations later that day, and heard on the floor the next day. The session then adjourned sine die by motion without objection, with senators told the chamber would reconvene momentarily for the special session.

Transcript Highlights:

• I urge you support this bill. giving law enforcement a practical tool to combat financial crime without
• And I am here in support of Senate Bill 1498.
• We need the state's help in combating this crime.
• I'm all in support.
• We are here in support of the bill.

Bills: SB1281, SB1300, SB1379, SB1451, SB1497, SB1498, SB1499

Keywords: mail theft, postal theft, package theft, identity theft, negotiable instrument, check theft, mail receptacle key, mailbox lock, postal key, delivery service, courier, USPS, United States Postal Service, fraud, property crime, elderly victims, disabled victims, identity information, rebuttable presumption, felony enhancement

Transcript Highlights:

• Like other combatant commands, we require combat credible, kinetic, and non-kinetic means to deter and
• I am grateful for Congress's support to U.S.
• So we can actually benefit from our geographic combatant commanders, which they support the idea of SLCCMN
• There's five sensors there that... support our mission.
• Space Command's role in missile defense planning and operational support for Guam.

Keywords: military strategy, nuclear triad, deterrence, STRATCOM, SPACECOM, SLICOM, B-21, hypersonic defense, spectrum auction

Summary: The meeting focused on the strategic posture of U.S. military capabilities with an emphasis on deterrence amid growing global threats. General Cotton from STRATCOM and General Whiting from SPACECOM provided insights into the modernization efforts of the nuclear triad. Key discussions involved the importance of maintaining control over specific frequency spectrums critical for military operations and the implications of potential auctioning of these bands. Members expressed concerns regarding the evolving landscape with adversaries like China and Russia, emphasizing that swift action is needed to adapt and preserve U.S. national security. Various proposals and existing programs, including the B-21 bomber and the nuclear-armed sea-launched cruise missile (SLICOM), were debated, alongside the necessity of increasing military investment in hypersonic defense systems.

Transcript Highlights:

• Combatant commanders are calling for more air and space power capacity.
• Having their love and support means the world to me.
• I also thank Secretary Hegseth and Under Secretary Colby for their support.
• Every four-star combatant commander has told us about this.
• receive aircrew with potentially subpar combat airmanship skills.

Keywords: Department of Defense, nominations, Matthew Lohmeyer, Justin Overbaugh, global security, military readiness, NATO, Russia, China, defense infrastructure

Summary: The meeting was primarily focused on discussing nominations for key positions within the Department of Defense, specifically for roles such as the Undersecretary of the Air Force and the Deputy Undersecretary of Defense for Intelligence and Security. Senators expressed urgent concerns about global security threats, the need for robust military readiness, and the emphasis on effective collaboration with NATO allies amidst rising tensions with adversaries such as Russia and China. Several senators highlighted the challenges facing military infrastructure and defense capabilities, suggesting a critical need for improvements and investment in these areas to ensure national security.

Transcript Highlights:

• Marks is a former fighter pilot and a combat-wounded veteran.
• You were severely injured in combat in Afghanistan.
• Both of my mother's older brothers served in combat during the Vietnam War.
• But in the combat, how, you know...
• Certainly, combat aviation is one of those.

Keywords: national security, nuclear energy, Department of Defense, military readiness, public commentary, nominations

Summary: The meeting convened with a focus on the scrutiny of various nominations and their implications for national security. Mr. Brandon Williams was nominated as the Undersecretary of Energy for Nuclear Security, drawing attention to the pressing need to modernize the U.S. nuclear arsenal amid growing threats from other countries. This was echoed in discussions led by committee members who expressed concern over military readiness and the management of military installations, with emphasis on ensuring accountability within the Department of Defense. Public commentary was notably supportive of the nominations, although some concerns were raised regarding the administration's broader strategies.

Transcript Highlights:

• I support all of them. I'm a product of that.
• So it's a win-win situation, and we would appreciate your support in moving this bill forward.
• And so we're very excited about supporting this bill going forward. So I know time is limited, Mr.
• students in grades four through eight who are falling through the cracks, and we want to be sure to support
• Caroline Romer, Louisiana Charter Schools in Action, just really here to support the bill and answer

Bills: HCR26, HB28, HB195, HB283, HB316, HB319, HB363, HB380, HB386, HB392, HB406, HB636, HB738, HB807, HB905, HB992, HB1146

Keywords: human growth, development education, prenatal education, state standards, biological science, teacher certification, certification appeals, BESE, State Board of Elementary and Secondary Education, Teacher Certification Appeals Council, educator licensure, teaching license, teacher licensure, appeals process, certification denial, administrative appeal, special meeting, board president, retroactive application, education board

Summary: The committee met with a large docket and adopted the April 29 minutes. Several bills were heard and advanced, mostly on education, workforce, literacy, early childhood, charter schools, and student mental health. Testimony was generally supportive, with many witnesses waiving in favor; a few bills drew questions about implementation, student awareness, and whether proposals were sufficiently broad or specific. House Bill 406, requiring the Department of Education to study the direction and regulation of interscholastic high school athletics and report back by March 1, 2027, was reported favorably after testimony from a retired principal who urged an open-minded study and discussion from the bill author about compliance and the bill’s purpose. House Bill 380, creating a pilot program between community and technical colleges and local school systems to expand awareness of CDL, entry-level driver training, and related programs, was also reported favorably. House Bill 807, creating a workforce and structure capacity investment program and fund to help industry partner with colleges to train instructors, was reported favorably after support from higher education and industry witnesses; senators raised interest in adding a stronger health care component and in reaching students earlier, but the author said he would work on amendments. The committee also advanced House Bill 316 on adolescent literacy and high-dose tutoring, with amendments clarifying teacher training timing, existing statutory bans on outdated literacy practices, and charter school participation; House Bill 1146, consolidating early childhood governance into a commission; House Bill 28, creating an appeal path for denied teacher certification applicants through BESE; and House Bill 992, assigning early childhood education identification numbers to support data collection on outcomes. House Concurrent Resolution 26, urging BESE to add the science of human growth and development to science and health standards and provide approved instructional resources, was amended and reported favorably. House Bill 386, allowing local districts to let locally authorized charter schools operate as their own LEA under district rules, was amended and reported favorably. House Bill 392, expanding suicide prevention information requirements on school websites, ID cards, handbooks, and signage, was reported favorably as well.

Transcript Highlights:

• here, and we need your support greatly. here, and we need your support greatly.
• support in the remainder of session. support in the remainder of session.
• going to support the bill. So. going to support the bill. So.
• committee's support for House File 4006. committee's support for House File 4006.
• ask for your support of this bill. ask for your support of this bill.

Bills: HF3489, HF3393, HF3785, SF856, HF4006, HF4615, HF3919, HF4591, HF3682, HF4240

Keywords: grooming, child protection, student safety, sexual exploitation, educator licensing, teacher discipline, mandatory reporting, mandated reporter training, school misconduct, predatory offender, child abuse, sexual abuse, sex trafficking, child sexual abuse material, child pornography, position of authority, school employee, school administrator, license revocation, license suspension

Transcript Highlights:

• Their work strengthens community identity, supports local culture, and reminds us of the value of creativity
• In support with reservations. So ordered. Brief comment. Please proceed. Thank you, Madam Speaker.

Bills: SCR48, SCR28, SCR74, SCR62, SCR60, SCR89, SCR147, SCR179, SCR182, SCR59, SCR54, SCR180

Keywords: affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures

Bills: SCR48, SCR28, SCR74, SCR62, SCR60, SCR89, SCR147, SCR179, SCR182, SCR59, SCR54, SCR180

Keywords: affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures

Transcript Highlights:

• say it really does take all our island resources to help us achieve our goals, and we've had good support
• <00:17:10.000> from fault current and voltage support from fault current and voltage support
• We have 200 of these trucks on the road today in California, mostly supporting the Pepsi facility in
• , mostly supporting the Pepsi um<01:13:03.760> facility<01:13:04.480> in<01:13:05.440><
• There's no support for that uh at all There's no support for that uh at all because<01:31:55.199>

Bills: SCR48, SCR28, SCR74, SCR62, SCR60, SCR89, SCR147, SCR179, SCR182, SCR59, SCR54, SCR180

Keywords: affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures

Transcript Highlights:

• <00:21:25.200> both<00:21:25.520> here<00:21:25.919> in<00:21:26.240> support
• <00:21:26.480> of Scott Sllayton, both here in support of Scott Sllayton, both here in support
• We are looking for some isolated funding in the upcoming budget to support this further and also pull
• c> further<00:24:41.039> and<00:24:41.360> also<00:24:41.760> pull uh to support
• this further and also pull uh to support this further and also pull down<00:24:42.400> federal

Bills: HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB627

Keywords: Jefferson County, building regulations, zoning, public health, building commissioner, permits, construction, land use, county tax, lodging tax, Henry County, transient accommodations, hospitality industry, local act, sheriff, sheriff's office, task force, abandoned property, stolen property, unclaimed property

Transcript Highlights:

• Grassroot Institute of Hawaii in support. Hawaii Solar Energy Association in support.
• I thank you for your support, and I'm in support of the bill. Thank you. Anyone else? Okay.
• Association in support on Zoom. Association in support on Zoom.
• Young Brothers in support. Aloha. Young Brothers in support.
• I don't know whether you supported it then or you support it now.

Bills: HB1984, HB1593, HB2423, HB1691, HB2283, HB2386, HB1824, HB1697, HB2164, HB2165

Keywords: renewable energy, solar energy, self-certification, building permits, environmental regulations, HB1593, affordable housing, pet-inclusive housing, pet friendly housing, rental housing, affordable rental housing, HHFDC, Hawaii Housing Finance and Development Corporation, tenant pets, companion animals, dogs, cats, landlord-tenant law, security deposit, pet deposit

Summary: The committee heard testimony on HB 1984 HD2, which would require government entities issuing building permits to create a self-certification process for certain behind-the-meter rooftop solar and energy storage systems, allowing approved applicants to proceed without waiting for standard permit review. The Public Utilities Commission and DLNR offered comments, and the Hawaii Solar Energy Association, Holoholo Energy, Photon Works Engineering, Malama Solar, RevoluSun, and others testified in strong support. Supporters said the bill would reduce permitting delays, lower costs, and help meet Hawaii’s renewable energy goals while still relying on licensed engineers, electricians, and county inspections for safety. Committee members asked about risk, existing county pilot programs, and whether self-certification had been used before; witnesses said the professional liability remains with licensed signers and that current automated review systems often flag minor issues that slow projects. The committee also noted 16 additional written testimonies in support. The committee then took up HB 1593 HD1, which would require HHFDC-financed affordable rental housing projects to allow residents to own or keep common household pets. The Hawaiian Humane Society testified that the bill is a top priority because housing restrictions are a major reason pets are surrendered and because many unhoused residents with pets avoid housing that does not allow animals. In response to questions, the Humane Society said concerns about pet-related damage are overstated, suggested pet behavior screening as a safeguard, and said it would be willing to work on broader private-market pet-friendly housing policies. Members raised concerns about whether allowing pets in public housing could create problems for residents who later transition to the private market, and the witness said California has a similar law and no major negative effects had been identified. Finally, the committee heard HB 2423 HD2, which would require that by January 1, 2028, diesel fuel sold in Hawaii for on-highway vehicles contain at least 5% biodiesel by volume. The Hawaii State Energy Office offered comments, and Hawaii Transportation Association and Pacific Biodiesel Technologies testified in support. Pacific Biodiesel argued the mandate would improve energy security, stabilize fuel prices amid global supply disruptions, and support local clean-fuel production. In response to questions, the company said its nameplate capacity is 5.5 million gallons per year and it has produced over 6 million gallons annually, but much of its output is tied up in standby generator contracts that can fluctuate. Witnesses said the mandate would provide a stable market signal and could support future investment in expanded local biodiesel production, including agricultural feedstock development and a possible second refinery. No votes or final actions were taken during the portion of the meeting provided.

Transcript Highlights:

• Advocacy in support. Advocacy in support.
• speaks in support. speaks in support.
• Education and support. Education and support.
• support. Apologies. support. Apologies.
• . support. support.

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

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

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