Transcript Highlights:

• mortgage loans directly to borrowers for multifamily housing development without using a mortgage lender
• statement of intent is included that the commission is not intended to function as a retail mortgage lender
• payment programs are well positioned to do that as we partner with banks that are the first mortgage lenders

Bills: HB2273 , SB5188 , HB2353 , HB2420 , HB2470

Committee: House Capital Budget

Keywords: embodied carbon, building materials, sustainability, construction, environment, broadband, infrastructure, loan assistance, economic development, technology access, HB 2353, predesign thresholds, capital construction, capital budget, major capital projects, Office of Financial Management, OFM, Washington state, state agencies, infrastructure planning

Transcript Highlights:

• mortgage loans directly to borrowers for multifamily housing development without using a mortgage lender
• statement of intent is included that the commission is not intended to function as a retail mortgage lender
• payment programs are well positioned to do that as we partner with banks that are the first mortgage lenders

Summary: The Capital Budget Committee held public hearings on several bills. On Substitute House Bill 2236, staff explained changes to the Washington State Housing Finance Commission’s authority, including allowing direct mortgage loans for multifamily housing, clarifying it is not a retail mortgage lender, extending bond counsel terms, removing a notice requirement before bond issuance, and repealing outdated statutory provisions. Representative Zahn and commission staff said the bill modernizes the agency and would help finance affordable housing without using state general funds. Testimony was generally supportive, with questions focused on higher interest rates, down payment assistance, and equity for borrowers of color; the commission said it works with banks, administers programs such as Covenant Home Ownership, and aims to support both homebuyers and developers. The chair then closed the hearing on SHB 2236. The committee next heard House Bill 2273 on reducing embodied carbon emissions in buildings and building materials. Staff described requirements for the State Building Code Council to adopt phased embodied-carbon standards for large projects, with reporting, a public database, and Commerce educational resources; the fiscal note showed operating and capital costs. Representative Duerr said the bill responds to rising energy demand and could help lower building costs while supporting innovation, including Washington wood products. Supportive testimony came from environmental justice advocates and an architect, who said embodied carbon reductions are already feasible and often cost-neutral. Opponents, including the Washington Aggregate and Concrete Association and Washington Citizens Against Unfair Taxes, argued the bill could raise costs, create sourcing and delay problems, and should not exempt schools. The hearing on HB 2273 was then closed. The committee also heard Senate Bill 5188, which would let the Public Works Board issue loans for broadband infrastructure repair and replacement. Staff said the bill expands the existing broadband service expansion program to cover repair and replacement of middle-mile and last-mile infrastructure, with Commerce fiscal impacts noted. The Association of Washington Cities testified with concerns that the bill could signal further use of the Public Works Assistance Account, which has already seen sweeps and could affect future water, sewer, wastewater, and solid waste funding. A question from Representative Dye raised whether the program should instead be tied to the Curb Board; staff and the witness agreed to continue that discussion. The hearing was then closed. In executive session, the committee took up House Bill 2353, House Bill 2420, and House Bill 2470. HB 2353, which raises the predesign threshold for capital construction projects from $10 million to $15 million and indexes it to inflation, was reported out of committee 18-0 with one excused. The committee then adopted and reported out the proposed substitute for HB 2420, which increases the small works roster contract limit and changes the effective date to January 1, 2027, also by an 18-0 vote with one excused. Staff also briefed members on a proposed substitute for HB 2470 concerning school construction assistance for on-base schools, but no vote was taken in the transcript. The chair announced another hearing and executive session for Friday and asked members to submit amendments by the next morning.

Transcript Highlights:

• Most importantly, it capped such declarations of extraordinary use at an allowable 100 percent fee increase
• question cost savings because these legal notices are paid for in this case by the bank or other lenders

Transcript Highlights:

• Number three, it ensures these rulings are recorded so future buyers or lenders can rely on the court's
• Net zero goals demand management to decrease and cap air travel.

Bills: HB2226 , HB2269 , HB2343 , HB2760 , HB3621 , HB4079 , HB4204 , HB4518 , HB4531 , HB4555 , HB4850 , HB4876 , HB4903 , HB4996 , HB5122

Committee: House Trade, Workforce & Economic Development

Keywords: construction trust funds, Property Code, Chapter 162, construction payments, mechanics lien, contractors, subcontractors, laborers, material suppliers, materialmen, real property improvement, assignment of payment rights, unpaid trust funds, trust fund beneficiaries, construction industry, payment protection, Texas construction law, property owners association, landscaping, grass maintenance

Transcript Highlights:

• lacks clear standards for requesting or conducting alternative sales, creating opportunities for lender
• But for example, the there's legislation on different cap attorneys fees that regulates the conduct of

Transcript Highlights:

• The property is collateralized, so in case of a default, it would revert to the lender.
• The property is collateralized, so in case of a default, it would revert to the lender.
• The lender essentially are the bond investors, and so we are, in a way, the LLC that we... structured
• </c> property goes back to the uh the lender property goes back to the uh the lender and<01:00:37.440
• :00:38.640><c> the</c><01:00:38.799><c> bond</c> and the lender essentially are the bond and the lender

Summary: The meeting covered several Senate resolutions related to the University of Hawaiʻi system, the East-West Center, and related education and workforce issues. On SCR 178 and SR 48, testifiers strongly supported the East-West Center, describing it as an important Hawaii asset that promotes cultural exchange, global citizenship, diplomacy, and ties to the University of Hawaiʻi. Speakers said the Center has helped train leaders and bring international connections and investment to Hawaii, and they urged continued funding despite federal cuts. The chairs then recommended passage with technical amendments, and both resolutions were adopted by the committees. The committee also heard testimony on resolutions calling for audits of University of Hawaiʻi operations. On SR 32 and SCR 50, the University of Hawaiʻi said it supported the resolution and had already begun work on establishing a Bachelor of Science in nursing at the UH Maui campus, with additional staff available on Zoom to answer questions. On SR 160 and SCR 142, which sought a financial and performance audit of UH Mānoa facilities, UH Athletics said it already undergoes annual financial audits required by NCAA bylaws but not performance audits, and discussed its internal evaluations, contingency planning, and efforts to address concerns raised by student athletes and staff. The committee then took up SCR 138 and SR 55, requesting a management and performance audit of the UH Office of the Vice President for Academic Strategy. Vice President Deborah Halbert and P20 Director Steve Shotz said they did not oppose the audit and believed it could provide clarity, while explaining that the office is relatively new and works collaboratively across campuses on articulation, transfer, grants, and workforce alignment. They described grant programs including Perkins, GEAR UP, preschool development, and data-sharing efforts, and said they are focusing more resources on teaching, health care, and skilled trades. The discussion also touched on SR 54, a proposed performance audit of the UH Foundation, where foundation representatives said they already undergo annual financial audits, acknowledged some donor communication issues, but emphasized improved stewardship and growth in fundraising over recent years.

Transcript Highlights:

• Herrera sponsored historic legislation in 2022 that reformed predatory lending practices by lowering the cap
• would come to our little bill and protest, you know, and speak against our little old bill of putting caps
• Speaker and gentlemen, this is a common process for a lot of lenders to look at these, to look at, you
• A lot of lenders do this process, right? It would be part of that closing document.
• additional potential property owners would be able to be included in this program once we raise the cap

Bills: HB111 , HB108 , HB145 , HB164 , HB291 , HJR6 , HR1 , HB63 , HB64 , HB165 , HB184 , HB200 , HB4 , HB7 , HB20 , HB65 , HB66 , HB80 , HB88 , HB96 , HB166 , HB285 , HB295 , HB306 , SB29 , SB37 , HJM2 , HJM3 , HJM1 , HM7 , HM17 , HM4 , HM22 , HM23 , HM24 , HM26 , HM2 , HM16 , HM32 , HM13 , HM47 , HM20 , HM51 , HM1 , HM31 , HM35 , HM36 , HM46 , HM53 , HM54 , HM11 , HM14 , HM21 , HM34 , HM50

Summary: The House spent much of the meeting on recognitions and tributes, including remarks supporting New Mexico’s dairy industry, honoring Gadsden Independent School District educators and students, recognizing Broadband Day at the Capitol, and celebrating the retirement of Representative Susan Herrera. Members from both parties praised Herrera’s long public-service career, especially her work on water, acequias, land grants, rural communities, modernization, early childhood, and predatory lending reform. Herrera thanked colleagues and said she was leaving to spend more time with family, grandchildren, and personal pursuits. The chamber also received a Senate message on House amendments to Senate Bill 3, with the Senate concurring in most items and asking the House to recede from two provisions. Committee reports were then adopted on a series of bills and resolutions, including House Bills 99, 206, 213, 250, 267, 270, 322, and 323; Senate Bills 17, 48, 55, 104, and 193; House Joint Resolution 5; and House Memorial 39. Most reports were adopted without objection, while some bills were advanced with committee substitutes or referrals to other committees. On third reading, the House passed several measures. House Bill 63, funding New Mexico Finance Authority water projects, passed 66-0; House Bill 64, appropriating about $13.25 million for PPRF-related funds, passed 67-0; House Bill 285, refining the disabled veteran property tax exemption, passed 67-0; House Bill 165, expanding C-PACE economic development uses, passed 67-0; House Bill 184, consolidating legacy fund investment accounts, passed 67-0; and House Bill 200, appropriating $10 million for the New Homes for New Mexico starter-home program, was debated at length and then passed. House Bill 291, the tax cleanup bill, drew a failed floor amendment that was tabled 41-24 before the bill passed 59-8. The debate on HB 200 focused on whether the program would help smaller builders and rural communities, while the HB 291 amendment debate centered on adding broader tax provisions and concerns about fiscal impact and policy scope.

Transcript Highlights:

• Just whatever a lender will loan. ...them on the collateral.
• The question is finding a lender or a bond issue that would finance... or a bond issue that would finance

Bills: HB442 , HB459 , HB90 , HB91 , HB461 , HB481

Committee: House State Government

Keywords: codification, Code of Alabama 1975, cumulative supplement, replacement volume, technical corrections, code cleanup, state code update, local laws, Secretary of State, Code Commissioner, Thomson Reuters, boating violation, scrivener's error, typographical correction, clerical correction, legislative housekeeping, 2024 Regular Session, 2025 session statutes, county local laws, official code publication

Transcript Highlights:

• Again, we also look to establish under the current cap a community solar cap in each utility service
• </c> after we have a current statutory cap after we have a current statutory cap that<00:24:12.440><c
• </c><00:24:34.480><c> in</c> the current cap a community solar cap in the current cap a community solar
• /c><01:45:46.680><c> would</c><01:45:46.840><c> say,</c> lender and ask, the lender would say, lender
• It would maintain 12-month term cap for residential supply contracts.

Transcript Highlights:

• As an affordable builder, community developer, and mortgage lender, this legislation will help expedite
• As an affordable builder, community developer, and mortgage lender, this legislation will help expedite

Committee: House Local Government

Transcript Highlights:

• so</c><01:03:54.440><c> there's</c><01:03:54.599><c> a</c><01:03:54.920><c> a</c><01:03:55.119><c> cap
• right now of athletes so there's a a cap right now of $<01:03:56.559><c> 5980</c><01:03:57.559><c> a
• One is if there's a loan to the intermediary; that's where the lender takes control.
• </c> intermediary that's where the lender intermediary that's where the lender takes<01:55:12.320><c>
• Although banks do sometimes borrow with securities, a secured lender in the securities market has to

Summary: The committee first heard testimony on House Bill 167, which would add ski, snowboard, and boat wax containing PFAS to the state’s consumer-product restrictions. The sponsor argued the product is already banned in many places, has PFAS-free alternatives, and is used in ways that can directly contaminate water rather than landfills. She cited high PFAS levels in several New Hampshire lakes and said the bill was a simple extension of prior PFAS legislation. A witness also described a personal experience where a liquid ski wax disappeared from the market and later returned, likely because of PFAS concerns. The chair then closed the hearing on HB 167 without a vote. The committee then opened a hearing on House Bill 312, dealing with college athletes’ name, image, and likeness (NIL) rights. Representative Moffett said the bill was modeled on New Jersey law and intended to let student-athletes earn compensation from NIL without losing institutional scholarships, while also requiring licensed representation and setting limits on certain endorsements. He described the measure as proactive because NIL rules are evolving and could create conflicts among schools and future lawsuits. Members questioned whether the bill should apply to two-year institutions, whether it should exclude firearms and weapons, and whether the scholarship protections would cover need-based or academic aid as well as athletic scholarships. Moffett said the scholarship language was intended to protect scholarships generally, but not need-based aid specifically, and he acknowledged discomfort with some of the endorsement restrictions. Public testimony on HB 312 was mixed. One supporter, a former Division III athlete and coach, backed the bill but urged removal of a section allowing institutions or athletic bodies to use an athlete’s NIL without compensation, arguing most New Hampshire athletes do not receive NIL money and should not have to work extra jobs to cover basic expenses. The chair also raised concerns about the bill’s contractual and identity-rights implications, referencing prior committee work on a J.D. Salinger-related identity case and noting the committee had previously declined to get involved in similar contractual disputes. No vote was taken during the hearing.

Transcript Highlights:

• that there's not sufficient funding from other sources to complete a project, that can either mean lender
• That can either mean lender of last resort or last dollar into a project.
• one of the things with the interest rate buy down is that that fee goes up front and goes to the lender
• Interest rate buy down is that that fee goes up front and goes to the lender, and it doesn't buy down
• You're the lender. So the coordination between these two is where I'm going to see.

Committees: Senate Senate Finance , Senate House Appropriations & Finance

Transcript Highlights:

• Micro-Businesses and Small Businesses That Secure State Contracts Through CDFIs and Non-Traditional Lenders—that's
• This bill would create bridge loans and financing to advance payments to lenders that are already supporting
• our businesses—these CDFIs, CDCs, and other non-traditional nonprofit lenders.

Committee: Joint Joint Committee on Community Development and Small Businesses

Summary: The Joint Committee on Community Development and Small Business held its second hearing of the session, with Chairs Gómez and Vargas opening by emphasizing the committee’s focus on equity, small business growth, and support for communities that have historically been overlooked. Several members noted the historic nature of having two Latino chairs. The hearing covered a package of bills centered on access to capital, transparency in state assistance, commercial tenant protections, downtown revitalization, and business improvement district administration. Testimony was largely supportive of bills aimed at helping micro-businesses, small businesses, and disadvantaged entrepreneurs. Beckma, the Asian Business Empowerment Council, a minority- and woman-owned business owner, and a worker-owned Springfield business all backed measures including S. 179 and H. 312/S. 184, which would prioritize capital assistance and require reporting on where state business aid goes. Witnesses said transparency, upfront payments on state contracts, and better data collection could help businesses that struggle with delayed reimbursements, limited reserves, and difficulty accessing traditional financing. The Metropolitan Area Planning Council supported S. 173, which would dedicate a portion of sales tax revenue to a downtown vitality fund for district management, cultural districts, and downtown infrastructure, and said the bill could help sustain downtowns and prevent cultural displacement. There was also testimony on H. 306, a commercial tenant first right of refusal bill, with Beckma supporting it as a way to help small tenants stay in their locations, while the Greater Boston Real Estate Board opposed it, arguing it would add cost, delay, uncertainty, and could reduce property values and the commercial tax base. The board supported H. 305, a housing bill that would expand by-right multifamily and open-space residential development while preserving local zoning protections. Andre Leroux of MassINC also supported S. 173 and H. 299, the latter proposing longer BID renewal periods and audit requirements aligned with nonprofit standards. No votes were taken; the hearing concluded after public testimony and questions, with the chair closing testimony.

Transcript Highlights:

• As an affordable builder, community developer, and mortgage lender, this legislation will help expedite
• As an affordable builder, community developer, and mortgage lender, this legislation will help expedite

Summary: The Assembly Local Government Committee heard AB 748 by Assemblymember Harabedian, a bill to expand California’s pre-approved housing plan program beyond accessory dwelling units to single-family and small multifamily developments under 10 units. The author said the measure builds on the earlier AB 1332 model, is intended to reduce time and cost in plan review, and gives local governments flexibility to choose designs while preserving permitting fee revenue. He also noted the bill had been worked to remove local government opposition and that similar pre-approved approaches have been used in Altadena and by Los Angeles County after recent fires. Support testimony came from Habitat for Humanity California, which said the bill would streamline the costly and labor-intensive early design and plan review phase and help affordable builders, nonprofits, and small developers move more quickly to permits. A representative from Abundant Housing Los Angeles and SPUR also spoke in support. No opposition witnesses appeared. Committee members expressed support, with Assemblymember Ward offering to coauthor and move the bill. The committee voted 7-0 to pass AB 748 to the Appropriations Committee, and the roll was briefly held open for an absent member before being closed.

Transcript Highlights:

• The release of the protected information can be used by fraudulent contractors, predatory lenders, or
• The release of the protected information can be used by fraudulent contractors, predatory lenders, or

Summary: The Government Operations Subcommittee met to consider five proposed committee bills under the Open Government Sunset Review Act, which requires certain public record and public meeting exemptions to be reenacted before automatic repeal. Each bill was briefly explained by its sponsor or a member presenting on behalf of the sponsor, with no amendments or public testimony offered on any of the measures. The subcommittee favorably reported PCB GOS 26-01, preserving the Florida Gaming Control Commission exemption; PCB GOS 26-03, preserving the public emergency shelter address and phone number exemption; PCB GOS 26-04, preserving exemptions for financial information used in small business loan administration; PCB GOS 26-02, preserving the conviction integrity unit reinvestigation information exemption; and PCB GOS 26-05, preserving a Public Service Commission meeting exemption for portions involving proprietary confidential information. During discussion on the Public Service Commission bill, members asked about transparency and utility rate increases, and the sponsor responded that the exemption is narrow, has never been used, does not affect public discussion of rate increases, and does not limit lawsuits or discovery. All five PCBs were reported favorably by roll call vote. The chair then thanked members for their participation, noted that more bills were being referred to the committee, and adjourned the meeting without objection.

Transcript Highlights:

• I was then equipped with a business plan prepared and laid out for when I went to my lender for credit
• I was then equipped with a business plan prepared and laid out for when I went to my lender for credit
• into their lender but frankly it's<01:42:25.000><c> a</c><01:42:25.159><c> mistake</c><01:42:25.560>
• /c><01:42:27.760><c> 2025</c><01:42:28.679><c> for</c><01:42:28.840><c> your</c><01:42:29.000><c> lender
• </c> cash flow planning 2025 for your lender cash flow planning 2025 for your lender and<01:42:29.960

Committee: Senate Agriculture, Veterans, Broadband, and Rural Development

Transcript Highlights:

• Mike Lynn, Madam Chair and members, the strike-everything amendment to HB 2482 caps the maximum dollar
• Mike Lynn, Madam Chair and members, the strike-everything amendment to HB 2482 caps the maximum dollar
• In some of these AWAs, they also ask lenders for tips. And in August 2025, a ruling from the U.S.
• Madam Chair, members, HB 2477 raises the cap of expenses a 529 account can be used for and allows a 529

Summary: The committee worked through a long Minority Caucus calendar covering a wide range of bills, with many items on consent and several pulled for discussion. Early items included resolutions on Judea and Samaria, bullion depository bills, a produce incentive appropriation, a biennial budget proposal, and a veterans services appropriation. Members also heard transportation-related bills on driver permits, citations, boat insurance, English proficiency for commercial drivers and motor carriers, photo enforcement, and a measure restricting incarceration for unpaid fines and fees. Several members raised concerns about constitutional issues, public safety, or whether bills were duplicative or targeted at specific groups. A large portion of the meeting focused on education and school governance bills. These included proposals on school district bond advisors, restrictions on school property leases and purchases, public meeting requirements, term limits and training for school board members, patriotic youth group access to students, computer science proficiency, and a bill requiring fingerprint clearance cards for traffic school instructors. Members repeatedly criticized what they described as inconsistent treatment of public schools versus ESA/private school programs, and several education bills were pulled from consent for further discussion. Other bills addressed child safety and family law, including DCS credit freezes, recorded child interviews, parents’ rights notices, mandatory reporting of threats by minors, sex offender residency and GPS monitoring, and a bill on guardianship rights during DCS investigations. The committee also considered a number of social services, health, and labor/consumer bills. These included SNAP work requirement and verification measures, a SNAP error-rate audit, dementia care telemonitoring funding, a Braille transcription appropriation, court fee limits, a physician assistant compact, pediatric licensure compact, and a kratom regulation bill. Members debated an earned wage access licensing bill at length, with opponents calling it predatory and akin to payday lending, while supporters argued it provided a regulated consumer option. Other measures covered cash acceptance by businesses, 529-to-Roth IRA rollovers, AI rules for state agencies, and a bill on public nuisance actions by the Attorney General. Several of these drew warnings about constitutional problems, preemption, or burdens on vulnerable populations. Energy, water, and tax policy also featured prominently. The committee heard bills on fuel formulations, gas tax relief, data centers and small modular nuclear reactors, utility reporting, and a Commerce Authority mandate to reduce fuel prices. Members criticized some proposals as favoring industry, preempting local control, or lacking a clear funding plan. The meeting ended after additional items on veterans, sample ballot mailing dates, and other miscellaneous measures, with multiple bills noted as pulled from consent or subject to later votes; no final roll-call results were detailed in the transcript excerpt.

Transcript Highlights:

• program, CPACE, is an economic development opportunity where a private property owner and a private lender
• This brings an opportunity for the private lender and private property owner to come together.
• This brings an opportunity for the private lender and private property owner to come together.
• And it really makes sure that the lender is on board because now he knows that he's going to be made

Bills: HB2 , HB163 , SB326 , HB17 , HB363 , HB2 , HB163 , SB326 , HB17 , HB363 , SB333

Committee: Senate County and Municipal Government

Keywords: vaccination, parental consent, minors, medical consent, guardian approval, income tax, research expenditures, economic development, tax deductions, Tax Cuts and Jobs Act, Alabama tax law, sheriff, credit card, debit card, financial procedures, Jackson County, purchasing authority, HB17, Alabama Squat Truck Law, squat truck

Transcript Highlights:

• In your opinion, would a lender care if it was a deferral versus an exemption?
• Do lenders treat that differently in your experience?
• Too often, foreclosure is driven not by the mortgage company or the lender, but by HOA enforcement actions
• Too often, foreclosure is driven not by the mortgage company or the lender, but by HOA enforcement actions

Bills: SB5884 , SB5885 , SB5937 , SB5938

Committee: Senate Housing

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

Transcript Highlights:

• In your opinion, would a lender care if it was a deferral versus an exemption?
• Do lenders treat that differently in your experience?
• Too often, foreclosure is driven not by the mortgage company or the lender, but by HOA enforcement actions
• Too often, foreclosure is driven not by the mortgage company or the lender, but by HOA enforcement actions

Summary: The Senate Housing Committee heard public testimony on several bills. SB 5885 would expand affordable housing on property owned by religious organizations by lowering the density-bonus affordability threshold from 100% to 50% and adding a sales and use tax exemption for qualifying projects. The sponsor and supporters from Redmond, Tacoma, Spokane, faith organizations, and housing nonprofits said the current standard is too restrictive and that churches and other faith groups have underused land that could help meet the state’s housing shortage. A county planning representative raised concern about an unfunded mandate to update local development regulations, and one testifier said the bill should be paired with funding for county planning work. The committee also heard SB 5884, which would expand a sales and use tax deferral program for redevelopment of underutilized property. The bill would broaden eligible land beyond surface parking lots to include vacant, partially used, or underutilized parcels, and would allow cities to approve projects with at least 50% affordable units, or 20% in designated residential targeted areas. Supporters from Spokane, Vancouver, Kent, Bellingham, and the Washington State Association of Counties said the current program is too narrow and should be available in more places, including counties and more cities. Construction industry groups supported redevelopment but objected to a provision tying eligibility to apprenticeship utilization, saying it could disadvantage nonunion contractors and create compliance burdens. For SB 5937, the committee heard testimony on smart access systems in rental housing. The bill would require landlords, upon request, to offer a non-biometric, non-app-based alternative key and to provide privacy policies and limits on data collection for smart access systems. Tenant advocates supported the bill as a privacy and access protection, citing concerns about app-based locks, data tracking, lockouts, and retaliation. Landlord and multifamily housing groups said they were open to the concept but argued the bill was too broad and could impose burdens on small housing providers or simple keypad systems, and they asked for narrower definitions and clearer implementation language. Finally, the committee took testimony on SB 5938, which would make technical changes to the foreclosure prevention fee created last year, including exempting certain reverse mortgages and chattel loans, preventing duplicate charges on some state-backed transactions, and directing Commerce to study a possible state homeowner assistance fund. Homeownership counselors, legal aid, HOA advocates, and equity organizations supported the bill, saying it would clarify fee collection, protect low- and moderate-income buyers from unnecessary costs, and help sustain foreclosure prevention services. No votes or final committee actions were taken in the transcript, and the meeting ended after public testimony.