Transcript Highlights:

• for low-income policyholders in the FAIR plan, and also the 2 million appropriation for a FAIR insurance
• And finally, I think we've talked a little bit about mitigating impacts on the state's fair plan.
• As stated earlier, the Fair Plan was created in 1969 and it was created through legislation.
• And again, one of the things we want to work on is mitigation in the fair plan.
• I mean, just about the fair plan and how many people have participated in the fair plan and participate

Transcript Highlights:

• FEMA plays an essential role in disaster mitigation, preventing losses before they occur.
• All right, let's go in. Let's go in reverse order. I think each of you mentioned mitigation.
• To make sure that those risks are fairly responded to fair That is fair And in fact what's interesting
• pre-disaster mitigation... is the best time to invest in risk reduction.
• of these communities in mitigating funding impacts?

Keywords: homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions

Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.

Transcript Highlights:

• $6 billion in wildfire mitigation spending and could not account for $2.5 billion of it.
• million in wildfire mitigation funds they already collected from us, including for removing the ghost
• Fair is in the eye of the beholder and all of this type of thing.
• reducing the size of the problem through mitigation and in that first pathway focuses on the community
• Investor-owned utility wildfire mitigation costs should be reviewed holistically in the general rate

Keywords: 988, house, all

Transcript Highlights:

• partnership with the tribes in instances as well, are working a lot in the fire mitigation space.
• And that's a sign that they believe in the mitigations, because those are the mitigations, right?
• In about 2014, we established our own fire department to help mitigate the risk of fire in our community
• those efforts reflected in fair, stable insurance coverage.
• Mitigation. to be recognized in your insurance bill. You heard me right.

Keywords: 988, house, all

Transcript Highlights:

• $6 billion in wildfire mitigation spending and could not account for $2.5 billion of it.
• million in wildfire mitigation funds they already collected from us, including for removing the ghost
• Fair is in the eye of the beholder and all of this type of thing.
• Investor-owned utility wildfire mitigation costs should be reviewed holistically in the general rate
• Whether it's measurable reductions in wildfire or measurable—I think it dealt with mitigation costs as

Summary: The Assembly Committee on Utilities and Energy held a hearing on the California Earthquake Authority’s SB 254 report and broader options for reforming California’s utility wildfire recovery system. The chair framed the discussion around the Palisades and Eaton fires, the scale of wildfire-related costs on utility bills, and the need to weigh trade-offs among survivors, ratepayers, utilities, insurers, and taxpayers. The first panel featured wildfire survivors William Abrams and Joy Chen, who described long delays in compensation, housing insecurity, and what they viewed as a system that protects utility shareholders more than victims. They urged greater transparency, clearer accountability for utility spending and safety performance, faster and fuller compensation for survivors, and reforms such as independent audits and better alignment of utility incentives with wildfire prevention and restitution. The second panel began with Tom Welsh of the California Earthquake Authority, who explained that the SB 254 report was intended as a broad inventory of policy pathways rather than recommendations. He described the report’s process, including stakeholder submissions, workstreams, and a convergence process, and outlined the current wildfire fund structure: utilities remain liable, the fund reimburses eligible claims after a covered wildfire, and the CPUC later determines prudency and possible reimbursement back to the fund. RAND’s Lloyd Dixon summarized compensation data, saying utilities paid about $38 billion between 2017 and 2024, with major shares going to injured parties, insurers, and public entities, while litigation costs and survivors’ own losses remain substantial. He noted that legal fees and delays reduce the amount survivors ultimately receive. Utility and public-interest witnesses offered differing views on the report’s pathways. PG&E’s Tyson Smith said the report shows inaction is the worst outcome and argued for community wildfire risk reduction, equitable allocation of catastrophe costs, and state-led resilience tools. LADWP’s Fernando Valero emphasized the vulnerability of municipal utilities and cities, and supported inverse condemnation reform, a state-sponsored liability insurance framework, damages and subrogation limits, and stronger insurance access. Consumer Attorneys of California’s John Fisk argued that IOU-caused fires are not natural disasters but the result of negligence and sometimes criminal conduct, and opposed reducing utility liability while supporting stronger oversight and audits. The Public Advocates Office’s Nathaniel Skinner focused on affordability, saying ratepayers already bear large and growing wildfire costs and warning against shifting more costs onto bills without measurable risk reduction and tighter accountability. Committee members then began questioning witnesses about what counts as measurable mitigation, how to define full and fair compensation, and how any fast-pay process should work.

Transcript Highlights:

• The first one is around maintaining our investments in mitigation.
• investing in landscape-scale mitigation and utility mitigation in the regulations that we've put in
• on mitigation in the state.
• And the report is clear in acknowledging the benefits and the improvements in risk mitigation that we've
• We invest heavily in wildfire prevention and mitigation.

Keywords: 987, senate, all

Transcript Highlights:

• The first one is around maintaining our investments in mitigation.
• landscape-scale mitigation and utility mitigation in the regulations that we've put in place over the
• on mitigation in the state.
• And the report is clear in acknowledging the benefits and the improvements in risk mitigation that we've
• We invest heavily in wildfire prevention and mitigation.

Summary: The hearing focused on the SB 254 Natural Catastrophe Resiliency Study and its recommendations for addressing California’s wildfire risk, utility liability, and the financing of catastrophic losses. Committee members and presenters discussed the history of the wildfire fund created after the 2018 fire crisis and PG&E bankruptcy, the role of the California Earthquake Authority as fund administrator, and the report’s three broad policy pathways: continuing mitigation investments, more equitably allocating catastrophe costs, and considering expanded state involvement in catastrophe financing. Presenters emphasized that the report was intended as a neutral, stakeholder-informed analysis rather than an advocacy document, and that the status quo is not working well for survivors, ratepayers, insurers, or utilities. CEA, CPUC, and the Office of Energy Infrastructure Safety each described their contributions and recommendations. CEA outlined options such as risk-tolerance standards for utilities, preserving safety certificate accountability, tying executive compensation more directly to safety, confidential near-miss reporting, liability reforms, and a fast-pay facility for survivors. CPUC stressed that wildfire mitigation and liability costs are a major driver of electricity affordability problems, and said the state should broaden how wildfire recovery and mitigation are funded beyond ratepayers alone. Energy Safety highlighted its wildfire mitigation plan oversight and recommended stronger safety reporting and stronger safety weighting in utility executive compensation. The modeling portion of the report estimated that a more durable wildfire fund could require about $36 billion in capitalization, with lower initial capital needs if risk transfer or liability reforms are used, but potentially higher ongoing premium or assessment costs. The report also examined state-backed insurer or backstop models, post-event funding mechanisms, and targeted community wildfire mitigation, which could reduce overall funding needs. Members raised concerns about the cost burden on ratepayers, the financial stability of utilities, the fairness of asking communities outside high-risk areas to pay, the role of local governments and home hardening, and whether broader climate-related liability or insurance reforms should be considered. No votes were taken; the hearing was informational and ended with plans for further committee hearings and stakeholder discussion.

Transcript Highlights:

• I do think every utility now, especially in New Mexico, will have a wildfire mitigation plan.
• actions would have to prove the utility was not compliant and negligent in its wildfire mitigation plans
• The utility will have to put in a mitigation plan.
• So investments are being made in wildfire mitigation plans, absolutely.
• I do think Investments are being made in wildfire mitigation plans, absolutely.

Summary: The committee first heard Senate Bill 55, which would expand New Mexico’s solar market development income tax credit from 10% to 30% after the federal solar credit expired, raise the per-credit cap from $6,000 to $15,000, and keep the existing overall $30 million cap with a sunset in 2032. The sponsor and industry witnesses said the bill would help stabilize the residential solar sector, protect jobs, and support consumers, small businesses, small agriculture, and tribal communities. Public testimony was overwhelmingly supportive, though some members raised questions about fiscal capacity and the bill’s impact. The committee passed SB 55 on a 7-4 vote. The committee then took up House Bill 267, the Wildfire Mitigation and Liability Act, on a committee substitute. The bill would require utilities to file and maintain wildfire mitigation plans, obtain PRC approval, and receive a rebuttable presumption in civil actions if they substantially comply; it also includes access provisions for mitigation work on private and public property, cost recovery, damage limits, and a one-year statute of limitations. Utilities and co-op representatives supported the bill as a way to reduce wildfire risk and address rising insurance costs, while insurers, OSI, and wildfire-victim advocates opposed it, arguing it overly limits liability, shifts losses to homeowners and insurers, and does not fully compensate victims. Several committee members expressed concern about the liability standards, deemed approval, access to property, and the short limitations period, but the bill ultimately passed on an 8-3 vote after the chair corrected the motion and revote. Next, House Bill 320, the Industrial Carbon Reduction Act, was presented. It would create production incentives and capital grants for industrial materials made at least 40% cleaner than the industry average, with clawbacks for underperformance and competitive review by EDD and Environment. Supporters from the gas company and chambers of commerce said it uses performance-based incentives to encourage cleaner manufacturing, attract investment, and create jobs. One member raised an anti-donation clause concern, but the sponsor said the bill’s performance requirements and clawbacks address that issue. The committee passed HB 320 on a 10-1 vote. Finally, the committee heard Senate Bill 104, a follow-up to last year’s wildlife agency reform bill. It would replace vetoed language by creating a process for a governor’s removal of a wildlife commissioner that includes notice, a hearing, and direct review by the New Mexico Supreme Court, while keeping the governor’s removal authority for cause. Ranching, angling, outfitter, and conservation groups supported the bill as a bipartisan fix that adds accountability and avoids political retaliation. Members asked about the removal process and direct Supreme Court review, and some who had initially been skeptical said the testimony changed their view. The bill was moving forward with support at the end of the discussion.

Transcript Highlights:

• So it ensures underwriting guidelines. a mitigation opportunity in that case.
• is going to be non-renewed in six months, even when there is no mitigation or remediation work that
• to identify and communicate property-specific mitigation measures that need to be taken in order to
• The state has a large and rapidly growing liability in the Fair Plan.
• Mitigation reduces losses and improves resilience, but particularly in the wildfire space, mitigation

Summary: The committee heard three major insurance-related bills. SB 1209 by Senator Allen would give the Insurance Commissioner new authority to require insurers to implement corrective actions found in market conduct and financial exams, with penalties for failure to comply. Supporters, including Commissioner Ricardo Lara and his deputies, said current law leaves CDI without a direct way to compel remediation of repeated violations or obtain needed financial information, while opponents argued the bill expands CDI authority too far, could duplicate existing penalties, and should be limited to legal violations rather than recommendations. After discussion, members and the author agreed to narrow the bill through amendments, including tying it to legal violations, applying penalties per exam rather than per policy, and clarifying accounting language; the committee then passed the bill 5-1 to Appropriations, with one member on call. SB 1301, also by Senator Allen, would reform residential property insurance non-renewals by requiring clearer written explanations, giving homeowners a chance to mitigate correctable issues, and prohibiting certain unfair non-renewal bases such as claims below deductible or claims not paid by the insurer. The author and supporters said Californians face unusually high non-renewal rates and often receive vague notices that make it hard to keep coverage, while opponents warned the bill’s original 180-day notice period and reporting requirements were too burdensome and could worsen availability. Senator Richardson said he would support the bill after the author agreed to reduce the notice period to about three months and continue working on a mitigation-based process; the committee then approved the bill 4-1, with one member on call. The committee also considered SB 1026 by Senator Gonzalez, which would strengthen regulation of bail fugitive recovery agents by allowing CDI to suspend or revoke licenses without a criminal conviction, expanding prohibited conduct, and tightening insurance and appointment requirements. Supporters, including Commissioner Lara, said the 2022 licensing law left loopholes that allow misconduct to continue and that the bill would improve public safety and accountability. Opponents from the bail industry and crime victims groups argued the bill requires unavailable or impractical insurance coverage, including coverage for willful acts, and could reduce the number of recovery agents and delay justice. Members raised concerns about the insurance language and availability, and the author said the bill was still being worked on with opposition; the committee passed it 4-1, with one member on call. Finally, the committee heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would let the Attorney General seek recovery from fossil fuel companies for climate-related costs affecting the Fair Plan and private policyholders. The author said Californians are paying rising insurance and disaster costs while fossil fuel companies that contributed to climate change are not, and witnesses from flood and wildfire communities and climate policy experts supported the bill as a way to fund recovery and resilience. Opponents, including business and labor representatives, argued the bill would impose broad liability, invite litigation, and harm jobs and energy affordability. The hearing included extensive testimony, but no vote was taken on SB 982 in the portion provided.

Transcript Highlights:

• The House is now in session. The clerk will call the roll.
• Some, would you now in your grace and your knowledge and your goodness and in your Power in this very
• Roll call is now in progress in the halls. Representative Travis votes a lowly.
• We are making people in Oklahoma fearful when what we should be doing is making people in Oklahoma fearful
• Roll call is now in progress.

Bills: HB3057, HB3130, HB4113, HB3310, HB3314, HB3985, HB4486, HB3040, HB3407, HB4343, HB2981, HB3764, HB3765, HB3767, HB3982, HB3321, HB3322, HB3323, HB4126, HB4130, HB4170, HB3345, HB2941, HB3062, HB3244, HB3298, HB2977, HB3304, HB3299, HB3297, HB4260, HB3906, HB3648, HB3319, HB2933, HB3544, HB1322, HB4104, HB4105, HB4106, HB4107, HB4108, HB3974, HB3134, HB3055, HB3115, HB3471, HB3497, HB3500, HB3505, HB3755, HB4202, HB4226, HB4236, HB4139, HB4144, HB4422, HB4423, HB4317, HB4321, HB4322, HB3176, HB3239, HB3263, HB3673, HB3794, HB3796, HB4265, HB4266, HB2123, HB3048, HB2445

Keywords: government reporting, information technology, child welfare, environmental policy, state agency compliance, gender transition, minors, health services, punitive damages, parental rights, health care providers, voter registration, voter eligibility, felony disenfranchisement, restoration of voting rights, formerly incarcerated, reentry, parole, probation, supervision

Transcript Highlights:

• Would you now, in your grace and your knowledge, in your goodness and in your power, In your grace and
• your knowledge, in your goodness and in your power, in this very day, send us to do the very same.
• I've spent over 20... ...I've spent over 25 years in a mission in Camargo, Mexico, in an orphanage there
• I said, I'm not in law enforcement. I'm in lawmaking.
• Our immigrant families are a reality within Oklahoma and in any state in the nation.

Bills: HB3057, HB3130, HB4113, HB3310, HB3314, HB3985, HB4486, HB3040, HB3407, HB4343, HB2981, HB3764, HB3765, HB3767, HB3982, HB3321, HB3322, HB3323, HB4126, HB4130, HB4170, HB3345, HB2941, HB3062, HB3244, HB3298, HB2977, HB3304, HB3299, HB3297, HB4260, HB3906, HB3648, HB3319, HB2933, HB3544, HB1322, HB4104, HB4105, HB4106, HB4107, HB4108, HB3974, HB3134, HB3055, HB3115, HB3471, HB3497, HB3500, HB3505, HB3755, HB4202, HB4226, HB4236, HB4139, HB4144, HB4422, HB4423, HB4317, HB4321, HB4322, HB3176, HB3239, HB3263, HB3673, HB3794, HB3796, HB4265, HB4266, HB2123, HB3048, HB2445

Keywords: government reporting, information technology, child welfare, environmental policy, state agency compliance, gender transition, minors, health services, punitive damages, parental rights, health care providers, voter registration, voter eligibility, felony disenfranchisement, restoration of voting rights, formerly incarcerated, reentry, parole, probation, supervision

Summary: The House convened with a prayer, Pledge of Allegiance, and several recognitions, including the Duncan Girls Golf Team, the Doctor of the Day, and the Nurse of the Day. Members also made personal announcements and committee meeting reminders before moving to legislation. The main floor action centered on House Bill 4422, which would require applicants for SNAP and TANF to be U.S. citizens and use the SAVE system to verify immigration status. Supporters argued it would protect taxpayer dollars, enforce the law, and reduce improper benefits use; opponents said it would deter eligible families, especially children in mixed-status households, from seeking aid and would not address DHS error rates or budget problems. After extended debate, the House passed HB 4422 by roll call vote, 18-0. The House then considered House Bill 4423, a similar measure applying the same citizenship-verification concept to Medicaid through the Oklahoma Health Care Authority. Debate repeated many of the same arguments about fiscal responsibility, eligibility, children’s access to benefits, and immigration enforcement. HB 4423 also passed by roll call vote, 18-0. The chamber then moved to announcements and adjourned until Monday, March 2, 2026.

Transcript Highlights:

• is going to be non-renewed in six months, even when there is no mitigation or remediation work that
• to identify and communicate property-specific mitigation measures that need to be taken in order to
• The state has a large and rapidly growing liability in the FAIR Plan.
• The FAIR Plan is not financially sound, and its losses are ultimately backed by all policyholders in
• Mitigation reduces losses and improves resilience, but particularly in the wildfire space, mitigation

Keywords: 987, senate, all

Transcript Highlights:

• I think I saw the latest numbers in the FAIR Plan are 4,000, which indicates you've got a market that's
• in their fair plan uh million people in their fair plan uh which<00:12:59.040><c> uh</c><00:12:59.680
• ><c> in</c><00:13:36.320><c> the</c><00:13:36.480><c> fair</c><00:13:36.800><c> plan</c> the fair plan
• are 4,000 in the fair plan the fair plan are 4,000 in the fair plan uh<00:13:37.600><c> which</c><00
• money put into mitigation pays off in<00:15:53.040><c> many</c><00:15:53.360><c> many</c><00:15:53.680

Keywords: 958, all

Summary: The interim task force on disaster prevention and resiliency met for its fourth meeting and focused heavily on insurance markets, affordability, and mitigation. Cochairs noted they are working toward recommendations for a later fall meeting. The main presentation came from David Snyder of the American Property Casualty Insurance Association, who said the insurance industry sees itself as part of the problem and part of the solution because it ultimately pays for losses created by natural conditions, development choices, and construction practices. Snyder described rising losses from natural catastrophes, inflation-driven increases in rebuilding and repair costs, more development in disaster-prone areas, wildfire exposure, severe convective storms, hail, and roof damage. He argued that Kentucky should avoid the mistakes he attributed to California, where regulatory responses contributed to a strained insurance market and greater reliance on the FAIR Plan. He said Kentucky’s private market appears to be functioning better, with relatively few FAIR Plan policies, and urged lawmakers to preserve that market through risk-based rates and policies that do not worsen availability. He recommended a broad mitigation strategy involving stronger building codes, land-use decisions, stormwater infrastructure, public access to risk data, and incentives for resilient construction. He highlighted programs such as the Insurance Institute for Business and Home Safety, fortified-home standards, wildfire-prepared community practices, and examples from Alabama, Louisiana, and Florida showing that mitigation can produce quick returns and insurance discounts. He also suggested catastrophe savings accounts, flexible coverage options, and a whole-of-government approach that includes the insurance department, building-code agencies, first responders, FEMA, NFIP, and NOAA. In questions, a legislator asked about the prognosis if carriers continue exiting markets and if nothing is done to address affordability and accessibility. Snyder said he could not predict market exits but stressed that regulators should monitor the market closely, use available data, and focus on loss prevention and mitigation. He said insurers want to do business in Kentucky and that the long-term solution is coordinated action among public and private stakeholders to reduce risk and keep coverage available.

Transcript Highlights:

• is going to be non-renewed in six months, even when there is no mitigation or remediation work that
• to identify and communicate property-specific mitigation measures that need to be taken in order to
• The state has a large and rapidly growing liability in the Fair Plan.
• The Fair Plan is not financially sound, and its losses are ultimately backed by all policyholders in
• Mitigation reduces losses and improves resilience, but particularly in the wildfire space, mitigation

Summary: The committee heard testimony on several insurance-related bills. SB 1209 by Senator Allen, sponsored by Insurance Commissioner Ricardo Lara, would give the Department of Insurance stronger enforcement tools when insurers fail to implement corrective actions identified in market conduct or financial examinations. Supporters said the bill would close gaps that allow repeated violations, improve solvency oversight, and protect policyholders; opponents argued CDI already has broad authority and raised concerns about duplicative penalties, due process, and the bill’s scope. Members discussed amendments to limit the bill to legal violations rather than recommendations, apply penalties per exam rather than per policy, and clarify accounting language. The committee voted to send SB 1209 to Appropriations, with the bill placed on call after a roll vote that included one no vote from Senator Niello. The committee also considered SB 1301, which would require more detailed non-renewal notices for residential property insurance, give policyholders time and information to address correctable issues, and restrict certain non-renewal reasons such as claims below deductible or not covered by the policy. Support came from homeowners, fire survivors, and consumer groups who said notices are often vague and leave families unable to keep coverage; insurers opposed the bill, warning that California’s notice period is already among the longest in the country and that the bill could worsen availability and add burdensome reporting requirements. The author said he was willing to reduce the notice period from 180 days to about three months and work on a mitigation-based process. The committee passed the bill to Appropriations, with Senator Niello voting no and the item placed on call. SB 1026 by Senator Gonzalez would tighten regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without a criminal conviction, adding conduct restrictions, and requiring continuous liability coverage and proper appointment notices. Supporters, including Commissioner Lara, said the bill addresses serious misconduct and loopholes that have led to unsafe conduct and weak oversight. Bail industry representatives and crime victims’ advocates opposed the measure, arguing that the required insurance coverage is unavailable or unlawful as written, that the bill would be hard to comply with, and that it could reduce the number of recovery agents and delay justice. The committee moved SB 1026 to Appropriations, with Senator Niello voting no and the bill placed on call. The committee then heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would authorize the Attorney General to sue fossil fuel companies to recover costs tied to climate disasters and insurance losses, with supporters framing it as a way to shift some climate-related costs away from policyholders and taxpayers. The author said amendments would remove retroactivity and delay liability until 2032, while supporters from flood and wildfire survivor groups and climate organizations said the bill would help fund recovery and stabilize insurance costs. Opponents from industry and building trades argued the bill was legally vulnerable, would create a de facto tax or liability scheme, and could harm jobs, energy production, and affordability. Testimony on SB 982 was extensive, but the transcript ends before any committee vote or final action on that bill.

Transcript Highlights:

• I do think every utility now, especially in New Mexico, will have a wildfire mitigation plan.
• The utility will have to put in a mitigation plan. It will have to be approved through...”
• It's certainly not 100% protection for any utility, but it is what we think, a fair compromise in those
• So investments are being made in wildfire mitigation plans, absolutely.
• Are all co-ops required to present their mitigation plan, or is this an opt-in? Thank you, Mr.

Keywords: 996, all

Transcript Highlights:

• And in fairness, and I've said this, I think when I first presented the bill, it still has to be mitigated
• So, but in fairness, if you want to say that somebody said, hey, look, I mitigated to what I thought
• And in fairness, and I've said this, I think when I first presented the bill, it still has to be mitigated
• So, but in fairness, if you want to say that somebody said, hey, look, I mitigated to what I thought
• No, I think in fairness that there's always a potential for litigation.

Keywords: 965, house, all

Transcript Highlights:

• For several years, Chelan County has invested heavily in wildfire mitigation.
• In response, PSE is going to be investing in 54 wildfire mitigation projects across our territory.
• You're over $100 million in wildfire mitigation activities and projects in planning.
• In wildfire mitigation activities, projects, and planning.
• Well, we're the FAIR Plan that has like upwards of a million policies in our FAIR Plan.

Summary: The committee first heard updates on the Model Toxics Control Act (MTCA) and related funding. Department of Ecology staff explained how MTCA and the hazardous substance tax support cleanup, prevention, stormwater, and local assistance programs, but said forecasted revenues have declined while appropriations and transfers have outpaced incoming funds. Ecology said the operating account will require underspending to stay balanced this biennium and that the problem is ongoing, with further reductions possible if forecasts worsen. Ecology also reviewed the state cleanup program, noting there are more than 14,500 cleanup sites in Washington and that new sites continue to be discovered faster than they are cleaned up. A question from Representative Lee raised the long-term issue of declining fossil-fuel-based revenue, and Ecology agreed that this is a future structural concern even though the current shortfall is driven more by forecasts and transfers than by fuel-use decline. The Pollution Liability Insurance Agency described its underground storage tank and heating oil programs, saying it has modernized from a reinsurance model to a financial assurance model with stronger state oversight and cleanup milestones. Russ Olson said the agency’s dedicated petroleum tax account is in strong financial condition, but emphasized the importance of preserving that funding source. He also discussed the loan and grant program for historic commercial releases and a new heating oil loan/grant program, while noting the agency is working on equity concerns where liens can be disproportionate to property values in smaller communities. Practitioners and advocates then offered differing views on MTCA’s performance: one attorney urged a collaborative review process to make cleanups faster, less expensive, and more certain, while another consultant argued the program is too conservative and process-heavy and should focus more narrowly on actual exposure and realistic cleanup standards. Environmental and community groups countered that MTCA is essential for cleanup, pollution prevention, stormwater control, and public participation, and that it is especially important for environmental justice communities such as the Duwamish Valley. Port and city representatives stressed that MTCA grants and cleanup funding are critical for large redevelopment projects, but said long timelines, permitting delays, and funding uncertainty can slow projects and jeopardize commitments. The committee then shifted to utility wildfire risk. Staff summarized recent legislation, including requirements for utility wildfire mitigation plans, creation of a wildfire mitigation standards work group, authorization for captive insurance by local governments and PUDs, securitization authority for disaster costs, and the existing wildfire response and resilience account. Chelan County PUD and Puget Sound Energy described extensive mitigation efforts such as vegetation management, grid hardening, undergrounding, AI smoke cameras, weather stations, enhanced operating settings, public safety power shutoffs, and community outreach. Both said wildfire risk is rising and insurance costs are increasing, and Chelan PUD asked the Legislature to restore funding to the wildfire response and resilience account. The Office of the Insurance Commissioner said a 2022 utility liability market study found insurance availability is tightening as perceived risk rises, and reported that a 2025 work group recommended restoring community resilience funding, requiring insurers to share wildfire risk scores and mitigation steps with property owners, and creating a grant program based on insurance industry wildfire standards. A PNNL scientist added that wildfire probability is increasing in parts of Washington and that mitigation requires long-term, landscape-scale coordination. The final speaker began describing California’s approach to wildfire risk, but the transcript cuts off before that presentation concluded.

Transcript Highlights:

• We leveraged $900,000 in FEMA funds for mitigation.
• But in addition to the fire mitigation, and the There has been a steady increase in the existence of
• It's the largest wildfire mitigation appropriation in the country.
• The Fair Plan is going to be part of this mitigation program that's being funded, and you can mitigate
• I'm not in... That's the Fair Plan, which you supported. But the Fair Plan...

Transcript Highlights:

• As way of background, in 2025 the legislature established the wildfire mitigation and resiliency standards
• I'd like to thank Representative Reeves for her leadership in the wildfire mitigation and resiliency
• I've spent the last two plus years deeply involved in fire mitigation, fire recovery, helping people
• It really does set a much higher level of mitigation than you will find in many other standards.
• It really does set a much higher level of mitigation than you will find in many other standards.

Summary: The committee heard public testimony on several insurance and consumer protection bills. On engrossed substitute Senate Bill 5928, staff and the Office of the Insurance Commissioner described wildfire risk score and model disclosure requirements for homeowners, including notices when policies are nonrenewed, canceled, or premiums are adversely affected, plus insurer website disclosures about mitigation discounts and rate filing transparency. Supporters, including the OIC, AARP, the mayor of Medical Lake, and a fire chief, said the bill would improve transparency, help homeowners understand and reduce wildfire risk, and protect consumers facing cancellations and rising premiums. Industry witnesses said they supported the goal but warned the bill could add regulatory cost and complexity, and some urged narrower, simpler disclosure language and a delayed implementation date. On engrossed substitute Senate Bill 6031, which would expand the insurance fraud program and create a standalone Class B felony for insurance fraud, the OIC and AARP supported the bill as a tool against organized fraud and restitution for victims. A criminal defense representative raised concerns that the new felony language overlaps with existing misdemeanor insurance fraud law and could create conflicting statutes and harsher penalties for the same conduct. The committee also heard testimony that the bill had already incorporated amendments limiting criminal investigators’ role in regulatory investigations and focusing them on complex schemes. The committee then heard substitute Senate Bill 6248 on travel insurance, described as largely mirroring a House bill already passed by the committee. Testimony from the travel insurance industry said agreed-upon amendments had been incorporated, including changes addressing conflict-of-interest concerns, and urged the bill’s advancement. Finally, the committee heard substitute Senate Bill 6079, which would create the Strengthen Washington Homes grant program to fund wildfire home-hardening and prohibit insurers from using wildfire risk as a disqualifying factor for homes meeting IBHS wildfire-prepared standards. The OIC, fire commissioners, AARP, and the prime sponsor supported the bill as a way to reduce nonrenewals and improve insurability, while insurers opposed Section 7, arguing it could interfere with underwriting and should be removed if the bill is to remain a grant program. The committee also began hearing engrossed Senate Bill 5280 on virtual currency kiosks, with staff and the Department of Financial Institutions describing daily transaction caps, fee limits, disclosures, and receipts to curb fraud; consumer protection and law enforcement witnesses supported the bill, while industry witnesses raised concerns about burdens on compliant businesses and passive retail hosts.

Transcript Highlights:

• </c><00:41:08.160><c> Jordan,</c> mitigation on the interchange in Jordan, mitigation on the interchange
• In the overall bill, we do establish a greenhouse gas mitigation account.
• </c> fairness of access in rural communities. fairness of access in rural communities.
• And the way we do that is partly in the mitigation, but it's partly just in asking our system to think
• :43:11.760><c> just</c><01:43:11.920><c> in</c> mitigation, but it's partly just in mitigation, but it's

Keywords: 1183, house