Video & Transcript Research : 'consumer lending'

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TX
TX

Texas 89th 2nd C.S.

State Affairs Apr 14th, 2025

State Affairs

TX
TX

Texas 89th Regular

State Affairs Apr 14th, 2025

State Affairs

Transcript Highlights:
  • But to everybody else's, your consumers are paying those costs currently.
  • So, consumer complaints, a lot...
  • We are one division at the agency that takes consumer complaints; those are public.
  • It is the Consumer Protection Division of the Attorney General's Office.
  • So if this bill doesn't pass, the consumers still have that option, correct?
Bills: HB45, HB755, HB 1232, HB1555, HB2460, HB2702, HB2973, HB3120, HB3225, HB3314, HB3356, HB3371, HB3634, HB3638, HB4247, HB4283, HB4290, HB4302, HB4503, HB4511, HB4565, HB4581, HB4627, HB4632, HB4660, HB4668, HB4960, HB5042, HB45
Keywords: housing, affordable housing, rent control, landlord-tenant laws, housing rights, lobbying, public entities, expenditures, government code, transparency, Texas Ethics Commission, government regulation, lobbying restrictions, government accountability, taxpayer money, HB 1232, whistleblower, whistleblower protection, public employee, retaliation
TX
TX

Texas 89th Regular

State Affairs Apr 14th, 2025

State Affairs

AL
AL

Alabama 2025 Regular Session

Alabama Senate Judiciary Committee Apr 9th, 2025

Judiciary

NH
NH

New Hampshire 2025 Regular Session

House Commerce and Consumer Affairs (05/27/2025)

Transcript Highlights:
  • I want to know what this is relative to Chartered Bank lending limits are.
  • The lending limits, when I first got on here, we the limit was 10 and then 15 and now we're up to 20.
  • Chartered Bank lending limits are. Okay. Chartered Bank lending limits are. Okay.
  • uh when I So, uh the lending limits uh when I first<03:33:37.840> got<03:33:38.000> on
  • Chartered lending limits. Yes. Every dollar they have. I don't know much more. Okay.
Keywords: 1189, house, all
Summary: The committee first took up SB 297 and a new amendment, 2462, which combined the original Senate bill with the Carson amendment and added a proposed alternative regulatory system, RSA 420R. The chair and members discussed that the amendment was intended to give the Senate what it had asked for while also creating a dual system for public entity risk pools. Members asked whether the new structure would affect ownership or governance of health trusts, and the chair explained that 420R would be a separate regulatory statute while existing 420J-style arrangements could remain in place. The committee also noted that a paragraph had been accidentally deleted from the amendment and that another amendment would be prepared to correct it, with the subcommittee recessed while that was done. Public testimony focused on School Care, represented by Executive Director Lisa Ducette, who opposed the shift to Department of Insurance oversight under 420R. She argued that public entity risk pools are not insurance companies, that they are accountable to member entities and taxpayers, and that the proposed dual regulation would add unnecessary costs through examinations, higher reserves, and additional accounting requirements. She said the change could threaten tax-exempt status and create an uneven playing field, and she urged the committee to support SB 297 with the Carson amendment instead of moving to 420R. Committee members questioned whether the amendment would actually affect pools that stayed under the Secretary of State model, and one member cited support from the New Hampshire Municipal Association for the dual system. The discussion then shifted to amendment 245 on ambulance reimbursement and contracting timelines. Members reviewed a provision giving insurers 45 days and ambulance providers 60 days in the contracting process, and one member suggested making both periods 60 days. The chair and others said the current language was intentional and part of a broader compromise aimed at ending balance billing and forcing insurers to establish reimbursement rates. Members noted that the measure was unusual and that its effects would be reviewed over the next two years, with one member saying the bill would likely be difficult to roll back later. No final vote was taken in the portion provided.
US
US

US Federal 2025-2026 Regular Session

Hearings to examine the nomination of William Briggs, of Texas, to be Deputy Administrator, and Casey Mulligan, of Illinois, to be Chief Counsel for Advocacy, both of the Small Business Administration. Mar 12th, 2025 at 01:30 pm

Small Business and Entrepreneurship Committee

Transcript Highlights:
  • policy, we would be taken back to a Dickensian world with no worker, environmental, patient, or consumer
  • The things the agency does not do well are things like direct lending, voter registration efforts, and
  • That trends like AI, changes in the lending market, that we're recognizing how they affect entrepreneurs
Keywords: SBA, small business, nominations, Bill Briggs, Casey Mulligan, regulations, capital access, public support
Summary: The Committee on Small Business and Entrepreneurship convened to consider the nominations of Bill Briggs for Deputy Administrator of the SBA and Dr. Casey Mulligan for Chief Counsel for Advocacy. The discussions highlighted the critical role of the SBA in promoting small businesses, with emphasis on overcoming challenges posed by excessive regulations and the need for improved access to capital. Several committee members expressed their concerns over recent layoffs within the SBA and the closure of district offices, which they believe undermine support for small businesses across the nation. The committee meeting saw extensive dialogue about the implications of regulations on small business operations and how the nominees plan to address these issues if confirmed. Public support for the nominees was acknowledged through letters from various stakeholders who advocate for small business interests.
NH
NH

New Hampshire 2025 Regular Session

House Commerce and Consumer Affairs (01/15/2025)

Transcript Highlights:
  • consumer now let's be clear the consumer consumer now let's be clear the consumer in<03:54:59.720
  • and hurt consumers.
  • and hurt consumers.
  • and hurt consumers.
  • and hurt consumers.
Keywords: 928, house, all
Summary: The House Commerce Committee opened a public hearing on House Bill 310, sponsored by Representative Keith Ammon, which would create a study commission to develop a legal framework for stable tokens and tokenized real-world assets. Ammon described stable tokens as blockchain-based digital tokens backed by U.S. dollars or treasuries, and tokenized real-world assets as representations of ownership in items such as gold, real estate, or artwork. He said the bill is intended to help New Hampshire get ahead of emerging financial markets while waiting to see how federal legislation develops. Committee members asked about the purpose of the bill, the difference between this proposal and Bitcoin, whether state regulation could be preempted by federal law, and whether the commission could be balanced and avoid becoming a vehicle for fraud or money laundering. Ammon said the proposal is blockchain-agnostic, could apply to multiple networks, and is meant to regulate asset-backed tokens rather than create a state-issued coin. He emphasized that the state would not be guaranteeing the underlying assets, but would set rules requiring audits, proof of reserves, and honest representation of backing, with the Secretary of State’s securities office involved in oversight. Several members raised concerns about the risks of stablecoins, including money laundering, tax evasion, and possible harm to the dollar or confusion about whether the state was endorsing a new currency. Ammon responded that the bill would not undermine the dollar and argued that tokenization could actually expand demand for U.S. currency by making it easier to use globally. He also said the state would not be in the business of weighing assets or directly valuing them, only ensuring a valid audit trail and one-to-one backing. The discussion ended with general agreement that the subject is complex and that a commission could help develop future legislation, but no vote or final action was taken in the hearing.
KY
KY

Kentucky 2025 Regular Session

Commission on Race & Access to Opportunity (6-24-25)

Transcript Highlights:
  • We saw that during COVID, black consumers were saying, "Hey, we would want to be able to support black
  • We saw that during COVID, consumers.
  • We saw that during COVID, black<00:01:48.320> consumers<00:01:48.799> were<00:01:48.960
  • > saying,<00:01:49.119> "Hey,<00:01:49.520> we black consumers were saying, "Hey
  • , we black consumers were saying, "Hey, we would<00:01:50.000> want<00:01:50.240> to<00
Keywords: 958, all
Summary: The committee heard testimony focused on barriers facing minority-owned businesses and on local programs intended to improve access to capital and contracting opportunities. A representative from the U.S. Black Chambers described disparities in minority spending, argued for more intentional and transparent investment in Black communities, and emphasized the need to disaggregate data, hold officials accountable, and expand tools such as the byBlack certification directory. He also stressed that businesses need technical assistance, resources, and opportunities to grow through mergers, consortiums, and joint ventures. The main presentation then came from Larry Forester and Tyrone of Commerce Lexington, who outlined what they called eight major barriers for minority businesses, including limited access to capital, weak mentorship networks, discrimination and bias, bureaucratic hurdles, branding and visibility challenges, stereotyping, generational knowledge gaps, and limited financial literacy. They described several Commerce Lexington initiatives: the Access Loan Program, which brings small businesses before a pool of 26 lenders; a Minority Business Accelerator to help firms scale and connect with prime contractors; and an Opportunity Exchange for business owners to share experiences and lessons learned. They said the Access Loan Program has funded nearly $26 million in loans with an average loan size of about $62,000. Members asked about bias in lending and how to make contracting and certification easier for minority firms. Forester said applications are vetted by a subcommittee before reaching the full lender group, with attention to completeness and readiness, and that only one lender needs to say yes. On contracting, the witnesses said certification can be burdensome and suggested more hands-on help from the state, relationship-building events that include decision-makers, and incentives rather than mandates. They also relayed policy ideas from a business owner, including culturally informed underwriting, public-private matching grants, supplier diversity enforcement, and mentorship tied to capital access. No votes or formal committee actions were taken in the portion provided.
CA
CA

California 2025-2026 Regular Session

Assembly Arts, Entertainment, Sports, and Tourism Committee May 5th, 2026

Arts, Entertainment, Sports, and Tourism

Transcript Highlights:
  • California has led the nation in consumer protections and NIL, and this is our chance to lead once again
  • It's not a lending party. This is the school.
  • issues that I hear, but that one, to me, I mean, we protect the military when it comes to payday lending
  • And that's when the payday lending company showed up. They promised me the world.
  • What the company actually gave me was a predatory lending deal disguised as a marketing contract.
Keywords: 988, house, all
OR
OR

Oregon 2026 Regular Session

House Interim Committee On Behavioral Health 06/17/2026 1:00 PM

Transcript Highlights:
  • Lack of access to medications and timely treatment really is a primary driver for those, oftentimes lending
  • system to also better enhance and drive data that we can then use as leaders to adjust operations to lend
  • are coming online, those SRTF beds and this new capacity, and 45% growth, that is quickly being consumed
  • are coming online, those SRTF beds, and this new capacity and 45% growth, that is quickly being consumed
Keywords: 907, all
Summary: The joint Senate and House Behavioral Health committee met for informational presentations on the Oregon State Hospital and civil commitment, followed by a planned tour of the hospital. Oregon Health Authority and Oregon State Hospital leaders reported that Sean Murphy will become the next permanent superintendent on July 13, with Sarah Castle to follow as permanent chief nursing officer on July 20. They described recent leadership turnover, a major organizational restructure, and efforts to build a culture of safety, transparency, and accountability. Officials said the hospital regained Joint Commission accreditation and CMS compliance, and they highlighted daily safety huddles, incident review processes, stronger escalation procedures, and improved management of seclusion and restraint. Committee members pressed hospital leaders on past prolonged seclusion practices, falls, staffing, and the need for better public reporting; OHA said it is building a public dashboard of key safety and workforce metrics. The committee then heard a civil commitment overview from the Oregon Judicial Department. The presenter explained that civil commitment is a separate legal process from criminal cases, usually beginning with a hospital hold, investigation, court review, appointed counsel, and a hearing within five days. She summarized changes made in House Bill 2005, including revised standards for danger to self, danger to others, and basic-needs commitments, plus a second 14-day diversion option. She cautioned that the new law has only been in effect since January and that it is too early to draw firm conclusions from the data, though there has been a recent uptick in commitments and a decrease in diversions. Testimony from NAMI Oregon and a forensic psychiatrist emphasized that Oregon still relies too heavily on jails and state hospitals because community services, housing, and outpatient supports are insufficient. They argued that the state needs more less-restrictive alternatives, including better use of assisted outpatient treatment or outpatient civil commitment, and more supported housing so people do not cycle between homelessness, incarceration, and hospitalization. A family member described a relative remaining psychotic in jail for more than 120 days before ending up back at the state hospital, urging faster intervention and better collaboration among courts, counties, hospitals, and state agencies. Committee members and witnesses also discussed workforce shortages, the expansion of secure residential treatment beds, and the need for broader system reforms beyond the hospital itself.
NM
NM

New Mexico 2025 Regular Session

Senate - Rules Jan 27th, 2025

Senate Rules

Transcript Highlights:
  • This means that we have experts in many areas who will be able to lend their expertise, especially with
  • We also strengthen community consumer protections and public engagement efforts through workshops.
  • And something else that is very important for the commission is rising consumer expectations and utility
  • For major activities, the corporation contracts with lending agencies and organizations across the state
FL
FL

Florida 2025 Regular Session

Rules Apr 8th, 2025

Transcript Highlights:
  • Consumer demand for affordable, accessible to pairs in several different ways.
  • Essential for consumer protection, Florida already benefits from an extensive work network.
  • demand while offering consumers safe and reliable repair options.
  • They provide consumers with a predictable and high-quality repair experience.
  • And if you get rid of this deposits, you have less money to lend in your community.
Keywords: 999, senate, all
MN
MN

Minnesota 2025-2026 Regular Session

House Public Safety Finance and Policy Committee 3/24/26 - Part 2

Public Safety Finance and Policy

Transcript Highlights:
  • The result is that consumers lose money.
  • Uh the result is that consumers minutes.
  • Uh the result is that consumers lose<00:19:10.400> money.
  • But the real victims are the consumers.
  • <00:26:02.000> protections, protects consumer protections, protects consumer protections,
Bills: HF2354, HF3407, HF4359, HF4192, HF3356, HF3695, HF1597, HF3155, HF3871, HF4437, HF4446, HF3990
Keywords: medical assistance, fraud prevention, subpoena authority, criminal penalties, consumer protection, ghost guns, unserialized firearms, 3D-printed guns, 3D printer firearms, CNC milling, home-built firearms, firearm serialization, serial numbers, unfinished frame, unfinished receiver, ghost gun ban, gun control, firearm design files, CAD files, digital gun blueprints
US
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Tuesday, January 20, 2026)

US Federal House Floor Meeting

Transcript Highlights:
  • I yield myself such time as I may consume.
  • I yield myself such time as I may consume.
  • I I yield myself such time as I may consume.
  • And we CONSUME. >> THE GENTLEWOMAN IS RECOGNIZED.
  • And with that, I want to recognize him for as much time as he may consume.
Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, January 20, 2026, 1012, house, all
NH
NH

New Hampshire 2026 Regular Session

House Committee on Housing (01/20/2026)

Housing

Transcript Highlights:
  • Nonprofit and for-profit lending organizations which provide or are planning to provide loans for the
  • and for-profit lending Nonprofit and for-profit lending organizations<00:40:52.400> which<00:
  • That it would lead to more conservative, or as conservative, lending, because what we're doing is the
  • lending, uh conservative<01:00:14.640> underwriting.
  • <01:08:16.159> a know, I'd be more willing to lend a know, I'd be more willing to lend a family
Keywords: 928, house, all
Summary: The Housing Committee opened with a public hearing on HB 196, which would repeal the Housing Champion program. Representative Matt Drew, the prime sponsor, argued the program is an unnecessary and poorly targeted subsidy, saying it rewards municipalities after projects are completed and may not be limited to new housing production. He questioned the transparency of the program, cited difficulty finding required annual reports, and noted a fiscal note suggesting the state could recover up to $3 million if obligations are terminated. Committee members and witnesses debated whether the program’s criteria amount to political favoritism or a standard grant process; supporters said the rubric is specific and that municipalities are evaluated against objective requirements. Representative Priest, Nick Taylor of Housing Action New Hampshire, and Karen Benfield of Stay Work Play New Hampshire all opposed repeal, saying the program encourages local zoning and regulatory changes, helps smaller communities participate, and supports housing supply and young people’s ability to stay in the state. The hearing on HB 196 was then closed. The committee then opened a hearing on HB 1405, a bill establishing an affordable housing guarantee program within the Housing Finance Authority. Prime sponsor Representative Chris Muns said the bill would reduce lender risk by guaranteeing up to 80% of principal on qualifying loans for affordable housing, with a cap of $30 million per lender per year and $300 million outstanding at any time. He described the measure as a low-cost public-private partnership backed by the full faith and credit of the state, and said it was identical to a prior Senate bill that had received unanimous bipartisan committee support before dying later in the process. He framed the bill as one part of a broader housing package aimed at financing, infrastructure, workforce, zoning reform, and other housing-related issues. No votes were taken during the portion of the meeting provided. The only formal actions were opening and closing the public hearing on HB 196 and opening the public hearing on HB 1405, with testimony continuing on HB 1405 at the end of the transcript.
MN
MN

Minnesota 2025 1st Special Session

Committee on Commerce and Consumer Protection - 02/27/25

Commerce and Consumer Protection

Transcript Highlights:
  • lightning product label many consumers lightning product label many consumers are<00:02:56.680><
  • Consumer awareness is important, and this bill will help the health and safety of these consumers.
  • selling these products and so consumers selling these products and so consumers know<00:10:14.600
  • consumer consumer follow<00:13:17.000> thank<00:13:17.160> you<00:13:17.279> Mr
  • <00:17:25.640> and it would also advise the consumer and it would also advise the consumer
Keywords: 1187, senate, all
CA
CA

California 2025-2026 Regular Session

Senate Judiciary Committee Jun 9th, 2026

Judiciary

Transcript Highlights:
  • With me to testify in support is Paul Mariasik, Vice President of the Consumer Attorneys of California
  • I'm Paul Mariasik, First Vice President and Legislative Chair of the Consumer Attorneys of California
  • to protect ...of AB 2305, an important measure following up on CAOC's work to protect California consumers
  • Our recent amendments add a prohibition on using any corporate lending for advertising or solicitation
  • This bill strengthens consumer protections and provides clarity for notaries, platforms, and users by
Keywords: 987, senate, all
OK
OK

Oklahoma 2026 Regular Session

Judiciary and Public Safety Oversight Apr 14th, 2026 at 10:30 am

Judiciary and Public Safety Oversight

Transcript Highlights:
  • Senate Bill 1448 clarifies the actions and transactions that are exempt under the Consumer Protection
Bills: SB137, SB504, SB1213, SB1216, SB1221, SB1224, SB1232, SB1238, SB1255, SB1256, SB1258, SB1264, SB1266, SB1325, SB1441, SB1448, SB1450, SB1460, SB1496, SB1543, SB1589, SB1597, SB1621, SB1655, SB1679, SB1687, SB1716, SB1730, SB1733, SB1769, SB1921, SB1932, SB1936, SB1980, SB2011, SB2030, SB2084, SB2112, SB2170, SB2182
Keywords: electronic monitoring, Department of Corrections, criminal justice, rehabilitation, public safety, SB1213, earned credits, inmate credits, good time, sentence reduction, DOC, prison reform, corrections policy, inmate classification, class levels, rehabilitation credits, achievement credits, vocational training, educational credits, prison programs
US
US

US Federal 2025-2026 Regular Session

Business meeting to consider S.93, to amend the Harmful Algal Blooms and Hypoxia Research and Control Act of 1998 to address harmful algal blooms, S.98, to require the Federal Communications Commission to establish a vetting process for prospective a Feb 5th, 2025 at 09:00 am

Commerce, Science, and Transportation Committee

MN
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 2/26/25

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • Misclassification investigations can be very time-consuming, especially where we don't have records,
  • These are all really great things that we advertise on the tourism side, but also lend themselves well
  • These are all really great things that we advertise on the tourism side, but also lend themselves well
  • These are all really great things that we advertise on the tourism side, but also lend themselves well
  • These are all really great things that we advertise on the tourism side, but also lend themselves well
Keywords: 1183, house