Video & Transcript Research : 'consumer debt'
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TX
Transcript Highlights:
- So, could it be any type of debt specific to certain types of people?
- collection process, so that defaulting on a debt in a time of hardship doesn't lead to ongoing debt.
- money or debts.
- ...I would say the majority are consumer debts. Payday lenders, I mean, those types of debts?
- The consumers still have all their protections under Texas laws.
Bills:
HB2242, HB2446, HB2799, HB4502, HB2920, HB2790, HB5620, HB5060, HB5076, HB5080, HB5081, HB5128, HB5130, HB3847, HB5116, HB2969, HB4546, HB4202, HB5624, HB3964, HB4803, HB872, HB4775, HB4777, HB4961, HB5570, HB2988, HB4260, HB1375, HB5009, HB5411, HB5134, HB4388, HB3095, HB1387
Keywords:
constables, civil rights, local government, law enforcement, policy-making authority, affidavit, medical bills, civil actions, reasonable charges, healthcare services, judicial statistics, court performance, family law, civil cases, efficiency reporting, court security, emergency management, harassment penalties, judicial safety, court committee
CA
California 2025-2026 Regular Session
Assembly Utilities and Energy Committee Mar 26th, 2025
Transcript Highlights:
- The next is the cost of debt.
- is cheaper by far for the final consumer.
- is cheaper by far for the final consumer ratepayers.
- An additional point on the financing: there's the cost of the debt and the amount of debt in a project
- Given the debt is cheaper, you know, if you're de-risking the project, it can sustain more debt, so you
Summary:
The committee first heard AB 13, which would restructure the CPUC to increase legislative oversight, add legislative liaisons, require more detailed and timely reporting on rate-setting decisions, and add a public advocate member. The author and supporters argued the bill would improve transparency, accountability, and geographic diversity in CPUC decision-making amid rising utility rates. Witnesses from TURN, San Joaquin County, SDG&E, and former CPUC Commissioner Loretta Lynch offered support or support-in-principle, while no opposition testimony was presented. Members generally praised the bill’s transparency goals, and AB 13 passed 10-0 to Appropriations, with the roll left open for absent members.
The committee then adopted the 2025-2026 committee rules and approved three consent items: AB 61, AB 365, and AB 406. The next bill, AB 99, would cap investor-owned utility rate increases above inflation except for specified costs such as safety, modernization, and fuel/commodity costs. The author and supporters, including a representative of the California Senior Legislature, said the bill was needed to protect ratepayers, especially seniors and low-income customers, from repeated rate hikes. Opposition came from utility labor, utilities, the Chamber of Commerce, and others, who argued the bill was too simplistic, could suppress labor costs, and did not account for major cost drivers such as wildfire mitigation, mandates, and net metering. Several members supported moving the bill forward as a starting point on affordability, while others criticized it as overly blunt. AB 99 passed 11-0 to Appropriations, with the roll left open.
The hearing then shifted to an informational panel on strategies to reduce California transmission costs. A Public Advocates Office staffer described a growing backlog of approved-but-unbuilt transmission projects, rising transmission access charges, and long project timelines driven largely by utility pre-application and construction periods. Panelists from Net Zero California and consulting firms presented research suggesting that public financing or public-private partnership lease models could reduce transmission costs by lowering financing, tax, and capital costs, with estimated savings of up to 57% and as much as $123 billion over 40 years. PG&E’s representative said the utility is already pursuing federal loan guarantees, grants, and a public-private partnership with Citizens Energy, but warned that state ownership could create tax, wildfire-liability, and governance risks. Members asked about the CPUC’s role, the causes of delays, and whether public financing could complement existing competitive solicitation processes.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, March 31, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- I YIELD MYSELF SUCH TIME AS I MAY CONSUME. MR.
- Smith: I yield myself such time as I may consume.
- Chu: I yield myself such time as I may consume.
- Smith: I yield myself such time as I may consume.
- Smith: I yield myself such time as I may consume.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 1 on Health Mar 3rd, 2025
Transcript Highlights:
- Medical school debt plays a critical role.
- debt, defined as greater than $150,000.
- If we don't have greater affordability, consumers can't access services.
- We anticipate launching this direct-to-consumer option this spring.
- We also recommend considering how these products will reduce prices to consumers.
MI
Transcript Highlights:
- House Bill 5254, a bill to amend the Michigan Consumer Protection Act.
- President, I move to suspend the rules..." debt.
- to medical debt in consumer reports.
- to medical debt in consumer reports. consumer reporting agencies from including certain information
- related to medical debt in consumer reports.
Summary:
The Senate convened with an invocation, the Pledge of Allegiance, and attendance showing a quorum. Several senators were excused, and the chamber received communications including House Concurrent Resolution 8, which was referred to the Committee on Government Operations. The Senate also took up introductions and referrals of several bills, including Senate Bills 1078-1082 and House Bills 4727, 4728, 4729, 4959, 1545, 5254, 5255, 6071, 6072, and 6073, with most being referred to committees or, for some medical-debt and consumer-protection bills, sent to the Committee of the Whole by suspension of the rules.
In Committee of the Whole, the Senate considered Senate Bills 535, 536, 1011, 1041, 1042, and 1043. SB 535, 1041, 1042, and 1043 were amended, while SB 536 and 1011 were reported without amendment; all were recommended for passage. The Senate then concurred in the amendments and advanced the bills to third reading. On final passage, SB 433 passed 35-0; SB 535, 536, and 1011 each passed 35-0; and SB 1041, 1042, and 1043 each passed 20-15. Floor remarks focused on SB 1011 as a way to lower small-business health insurance premiums, and SBs 1041-1043 as anti-price-gouging measures during emergencies.
Later, the Senate discharged Senate Bill 913 from the Appropriations Committee, suspended the rules, and moved it through Committee of the Whole and to final passage the same day. SB 913, which amends the Michigan Trust Fund Act, passed 20-12 with 6 excused after Senator Albert argued in opposition that it would continue $75 million annual funding to the MEDC and amount to corporate welfare. The Senate then adjourned until Tuesday, June 30 at 10:00 a.m.
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 51 May 4th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Transcript Highlights:
- It provides that brokers and agents are not required to have consumers sign a brokerage agreement before
Bills:
SB1543, HB1933, HJR1088, HJR1090, HJR1091, HJR1092, HJR1093, HJR1095, SB1859, HB2988, HB3016, SB237, SB2065, HB3418, HCR1027, SB1641, SB1589, SB44, SB563, SB1403, HB1979, HB3075, SB2045, SB1653, SB1655, SB2030, HB2951, SB2028, SB2071, SB206, SB1849, HB3755, SB1509, SB1314, SB1561, SB1217, SB1618, HJR1096, HJR1099, HJR1100
Keywords:
driving under the influence, felony offense, ignition interlock device, community service, criminal assessment, nitrous oxide, Maddix Bias Act, intoxication, underage sale, misdemeanor, drug paraphernalia, enforcement, education rules, administrative rules, joint resolution, Oklahoma State Department of Education, higher education, State Regents for Higher Education, Teachers' Retirement System, charter schools
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 51 May 4th, 2026
Oklahoma House Floor Meeting
Transcript Highlights:
- It provides that brokers and agents are not required to have consumers sign a brokerage agreement before
Bills:
SB1543, HB1933, HJR1088, HJR1090, HJR1091, HJR1092, HJR1093, HJR1095, SB1859, HB2988, HB3016, SB237, SB2065, HB3418, HCR1027, SB1641, SB1589, SB44, SB563, SB1403, HB1979, HB3075, SB2045, SB1653, SB1655, SB2030, HB2951, SB2028, SB2071, SB206, SB1849, HB3755, SB1509, SB1314, SB1561, SB1217, SB1618, HJR1096, HJR1099, HJR1100
Keywords:
driving under the influence, felony offense, ignition interlock device, community service, criminal assessment, nitrous oxide, Maddix Bias Act, intoxication, underage sale, misdemeanor, drug paraphernalia, enforcement, education rules, administrative rules, joint resolution, Oklahoma State Department of Education, higher education, State Regents for Higher Education, Teachers' Retirement System, charter schools
Summary:
The House convened with prayer, the Pledge of Allegiance, and several recognitions, including Veteran of the Week Colonel Stanley L. Evans, Oklahoma City Young Professionals, state contest winners for America’s 250th anniversary, and a long series of page introductions. The chamber then moved into floor action on a large number of measures, many of them Senate bills and House joint resolutions dealing with administrative rules and agency oversight, public safety, education, health, agriculture, business, and tax policy.
Among the major bills discussed were SB 1543 on aggregating multiple DUI charges within one year into a single felony case, HB 1933 on nitrous oxide violations, SB 1859 creating an OSBI Cybercrimes and Fraud Unit, SB 237 on ad valorem tax NAICS code changes, SB 2065 designating pollinator-related state symbols, SB 44 extending nonprofit sales tax exemptions to contractors, SB 2030 updating automated expungement procedures, SB 2045 expanding the Grow Your Own education program, and several water and agriculture measures including SB 1509, SB 1314, and SB 2071. Members also considered multiple joint resolutions approving permanent administrative rules for education, energy and agriculture, business and commerce, health agencies, and building code rules, with Kendricks explaining that some major rules were separated out for transparency and, in one case, a cost mitigation agreement had been reached.
Testimony and debate were generally brief and focused on clarifying amendments. Several authors explained that amendments were added to address constitutionality, remove outdated or incorrect language, or reflect negotiated changes with agencies and stakeholders. Notable discussion included concerns about forum shopping in SB 1543, questions about the scope of the Grow Your Own program in SB 2045, and clarification that SB 1618’s pretrial report language had been changed to a public safety report agreed to by sheriffs and district attorneys. The House adopted numerous amendments without objection and passed the bills by wide margins, including some unanimous or near-unanimous votes, while a few measures drew more opposition, such as SB 1403, SB 1509, SB 2071, and SB 1618. The House also adopted HCR 1027 setting sine die adjournment for Thursday, May 14, and adjourned until the next day, May 5, 2026, at 9:30 a.m.
MN
Minnesota 2025 1st Special Session
House Commerce Finance and Policy Committee 3/11/25
Commerce Finance and Policy
Transcript Highlights:
- here um I can tell you that our Consumer here um I can tell you that our Consumer Protection<00:
- of the state of Minnesota's consumer of the state of Minnesota's consumer protection<00:04:19.600
- consumer protection laws.
- , time-consuming litigation.
division debt the consumer protection division debt the consumer protection division has<00:18
FL
Florida 2025 Regular Session
March 5, 2025 - 01:30 PM
Transcript Highlights:
- We will now move to PCS for 147, Prohibited Practices and Consumer Debt Collection.
- Debt collection, Representative Gossett Seidman.
- I was reading through the text you sent me and I was looking at the consumer goods.
- So I think this doesn't expose the consumers any more than the information.
- So this is something that I see as being a benefit to the consumers of Florida.
Summary:
The committee met with a quorum present and heard several insurance- and financial-services-related bills. HB 315 was temporarily postponed. The chair also noted that, following the speaker’s remarks, members should expect additional special meetings as the committee investigates insurance-related issues and seeks transparency and the truth.
HB 497, relating to nonprofit agricultural organization health coverage, was presented as a way to give Florida Farm Bureau members—especially farmers, ranchers, and small business owners—more affordable health coverage options. An amendment added statutory placement changes, disclosures that the product is not commercially sold, and annual financial audits. Members discussed ACA-related protections, fraud, and insolvency concerns, and the bill received support from Florida Farm Bureau and was reported favorably 16-0. HB 379, the annual securities package, updated exemptions, foreign jurisdiction rules, the Florida Invest Local Exemption, merger-and-acquisition broker rules, fingerprinting requirements, and technical issues in the Securities Guarantee Fund. Three amendments clarified entity definitions and fingerprint/live-scan requirements; the bill drew support from industry and OFR and passed favorably 17-0.
The PCS for HB 147 on consumer debt collection clarified prohibited communications during nighttime hours, with the sponsor and supporters explaining the intent was to allow email while restricting other forms of contact and reduce litigation over passive communications. Members and public witnesses discussed ambiguity in the wording, and the sponsor said further cleanup language may still be needed; the PCS was reported favorably 17-0. HB 655 on pet insurance and wellness programs created a regulatory framework for pet insurance, drew support from industry and humane society representatives, and passed favorably 17-0. HB 367 on home and service warranty association financial requirements allowed financial compliance through multiple contractual liability insurance policies and alternative parent-company documentation; an amendment corrected cross-references and duplicative language, and after questions about consumer protections and insolvency, the bill was reported favorably 17-0. Finally, HB 7003 preserved a public-records exemption for sensitive financial technology sandbox application materials; members discussed the sandbox concept and possible future issues, but no amendments were taken and the bill passed favorably 17-0. The meeting adjourned without objection.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, March 6, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- <02:33:24.600>
or Federal workers who protect consumers or Federal workers who protect consumers - <02:47:36.880>
and in the world are binging on debt and in the world are binging on debt and - >
for China's been rolling off its debt for China's been rolling off its debt for years<02:52: - There's less demand for debt in the markets.
- There's less demand for debt in the markets.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance Dec 10th, 2025 at 01:45 pm
Transcript Highlights:
- We don't necessarily have to refinance the existing debt into the new debt, but it makes sense because
- Still, 20 years' worth of debt. We don't need to be in debt.
- That's this debt right here. It's 2001 debt. Twenty years later, we're doing that.
- Consumable.
- Why are we, we talk about consumables, why are those roads consumed so fast? Mr.
MN
Minnesota 2025-2026 Regular Session
Cmte on Rules - Subcommittee on the Federal Impact on Minnesotans and Economic Stability - 12/18/25
Transcript Highlights:
- <00:16:18.160>
by this bill will increase our debt by this bill will increase our debt by - Um, I don't think it's unfair to say that consumer sentiment is going to be damaged when consumers are
- economists look at is consumer economists look at is consumer sentiment.<00:36:08.800>
Um, <00:48:24.720>- debt as a<00:47:28.079>
result. Across student loan debt crisis. Across student loan debt crisis. - debt as a<00:47:28.079>
US
US Federal 2025-2026 Regular Session
Hearings to examine the nomination of Michael Faulkender, of Maryland, to be Deputy Secretary of the Treasury. Mar 6th, 2025 at 09:00 am
Finance Committee
Transcript Highlights:
- Treasury Secretary Besant has said that he wants a debt-to-GDP ratio of 3%.
- And I just applaud that, because as we know, home mortgages, student loan debt, credit card debt, student
- So I'm worried that we're going to add to the federal debt.
- That will result in runaway national debt.
- The consumer confidence numbers are dramatically dipping.
Keywords:
nomination, Deputy Secretary of Treasury, economic policy, inflation, tariffs, tribal nations, government relations
Summary:
The meeting convened to consider the nomination of Mike Falkender for the position of Deputy Secretary of the Treasury. During the session, multiple members voiced concerns regarding current economic policies under the Trump administration, particularly around inflation, tariffs, and the impact on small businesses. Discussions frequently centered on the administration's approach to tariffs and taxation, and how these factors contribute to the rising cost of living and potential job losses. Additionally, the importance of bolstering government-to-government relationships with tribal nations was emphasized, highlighting the need for specialized offices focused on tribal affairs within the Treasury Department.
CA
California 2025-2026 Regular Session
Assembly Banking and Finance Committee May 5th, 2025
Banking and Finance
Transcript Highlights:
- I've also worked specifically on debt settlement as an appointed member. of the CFPB's Consumer Advisory
- When a borrower comes to a debt settlement company for help, they can end up paying more in debt settlement
- The debt settlement company makes money, though.
- It doesn't prohibit debt settlement; it just sets standards that align the debt settlement company's
- consumer, adds small business.
CA
California 2025-2026 Regular Session
Assembly Judiciary Committee Apr 8th, 2025
Transcript Highlights:
- Danny Kando Kaiser on behalf of the California Low-Income Consumer Coalition and National Consumer Law
- Student loan debt is an equity issue.
- In consumer debt collection cases, improper service has played a central role in the staggering 70% default
- In consumer debt collection cases, improper service has played a central role in the staggering 70% default
- In actuality, the high default rate in consumer debt is directly attributable to the type of debt.
Summary:
The committee heard several bills, beginning with AB 2, which would create enhanced civil penalties for large social media companies when negligence proven in court causes harm to children and teens. The author and supporters argued the bill is needed to address addictive algorithms and harmful content, while opponents warned it was vague, could chill speech, and might be preempted by federal law. Members largely focused on whether the bill changed the standard of care or burden of proof; the bill passed out of committee on a roll call vote, with some members noting concerns but supporting it to continue the discussion.
AB 282, dealing with housing vouchers and source-of-income discrimination, would clarify that housing providers may prioritize applicants who qualify for rental assistance without violating fair housing law. Supporters from housing authorities, local governments, and advocacy groups said it would help voucher holders find units and improve use of housing funds. There was no opposition, and the bill passed to Appropriations on a roll call vote, with two no votes.
The committee also considered AB 882 on court reporter availability and electronic recording in certain cases when a court reporter is unavailable. Supporters said the bill is a temporary, narrowly tailored response to a shortage of reporters and would preserve access to accurate records, while opponents argued it was too narrow, raised access-to-justice concerns, and should be broadened. Members from both sides emphasized the importance of court reporters and electronic recording as a backup; the bill passed with an urgency clause and was sent to Appropriations. The committee then heard AB 325 on algorithmic price fixing, AB 935 on civil rights data clarity, AB 1414 on tenant choice of internet service provider, and AB 67 on Attorney General enforcement of the Reproductive Privacy Act; each drew support from sponsors and advocacy groups, opposition centered on overbreadth or policy concerns, and each advanced on committee votes, with several members requesting further amendments or clarification.
LA
Louisiana 2026 Regular Session
Commerce, Consumer Protection and International Affairs May 6th, 2026
Transcript Highlights:
- we're capping the interest rate at 3% for medical debt.
- We're capping the interest rate at 3% for medical debt.
- There's so much debt out there that they don't collect already. Anyway, okay, thank you.
- dollars and give better protection to both those people who are licensed and the consumer.
- The consumer credit bill will defer. Oh, you are? Yes. I'm asking for a deferral on that.
Summary:
The Senate Commerce Committee met on May 6, 2026, with five members present and approved the prior meeting minutes. The committee first heard HB 750, a “click-to-cancel” consumer protection bill requiring subscription cancellations to be as easy as sign-up and to be available through the same method used to subscribe. An amendment was adopted, testimony included support from labor and consumer advocates and opposition from some business groups, and the bill was reported favorably as amended.
The committee then took up SB 414, which was narrowed to cap interest on medical debt at 3%. After reconsidering and replacing prior amendments, the committee adopted the new amendment set and reported the bill favorably as amended. HB 799, concerning inspection licensing for elevators, escalators, and boilers, was presented by the State Fire Marshal and reported favorably with little discussion.
The longest discussion centered on HB 953, a major plumbing workforce and licensing reform bill. The bill was amended substantially: the original proposal to move plumbing oversight to the Contractors Board was removed, the plumbing board remained in place, apprenticeship and journeyman/master plumber hour requirements were revised, penalties and reporting requirements were added, and language was included to support workforce development and reentry training. The committee heard both support and opposition, including clarification from the State Plumbing Board that it already has an appeals process through the courts, and HB 953 was reported favorably as amended.
Finally, HB 220, the “PROTECT Act,” was heard to require covered online platforms to maintain a clear and usable mechanism for reporting child sexual abuse material and exploitation. An amendment was adopted to account for platforms that require registration to access content, testimony was supportive, and the bill was reported favorably as amended. HB 952 was deferred, and HB 827, a related plumbing workforce bill, was amended to align more closely with HB 953 but then failed a motion to defer by roll call vote, allowing it to remain pending. The committee then adjourned.
FL
Transcript Highlights:
- Debt service, clearly, I have to pay debt.
- Even in some counties, consumer affairs and protection of your citizens in consumer situations.
- You have debt obligations.
- You have debt obligations.
- Within debt service, The last bucket I wanted to point out was debt service fund and pension fund.
Summary:
The Committee on Community Affairs convened with a quorum and took up SB 308, a bill related to the Florida Museum of Black History. The bill would establish a Florida Museum of Black History Board of Directors and direct it to work with a supporting nonprofit foundation, while also requiring the St. Johns County Board of County Commissioners to provide administrative assistance and staffing until planning, design, and engineering are complete. With no appearance forms or debate, the committee voted the bill favorably.
The remainder of the meeting was an informational briefing from the Florida Association of Counties and the Florida League of Cities on local government budgeting practices. Presenters explained how counties and cities develop budgets, the legal framework governing property taxes and other revenues, the distinction between restricted and unrestricted funds, and the role of constitutional officers, public safety, debt, pensions, and capital planning. They emphasized that most local revenues are restricted by law, that general funds are the main discretionary source, and that local governments must balance annual budgets while meeting mandated service levels.
The presenters also discussed how property taxes, fees, local option taxes, and state-shared revenues support local services, and they highlighted the fiscal pressures created by public safety, emergency management, infrastructure, and retirement costs. Members asked questions about the share of local revenue that is unrestricted and the implications for any proposal to eliminate property taxes. The presenters responded that only a portion of county and municipal revenue is flexible, with much of it dedicated to specific purposes by law.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, February 12, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- rise today on behalf of the Consumer rise today on behalf of the Consumer Finance<02:12:17.400><
- <05:48:25.760>
safety quarter even with consumer safety quarter even with consumer safety - more about corporations than consumers more about corporations than consumers so<06:04:11.000>
- <08:10:27.318>
lower will help reduce America's debt lower will help reduce America's debt- >
Constitution such a huge debt under our Constitution such a huge debt under our Constitution - <08:10:27.318>
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, January 15, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- <03:35:10.920>
to yield as much time as he may consume to yield as much time as he may consume - public that will increase the debt public that will increase the debt ceiling<08:07:04.040>
so - The American people didn't send us here to keep racking up debt. We're $36.3 trillion in debt.
- >
up 36.3 trillion in debt it is piling up 36.3 trillion in debt it is piling up around<08:13: - We're refinancing our debt.
MA
Massachusetts 2025-2026 Regular Session
Senate Session (Full Formal with Calendar) Jul 22nd, 2026 at 04:36 pm
Massachusetts Senate Floor Meeting
Transcript Highlights:
- Well, let's look right here at this chart at debt...
- We have the second highest debt per capita in the country.
- We have the second highest debt per capita in the country.
- So we know that we have the second highest debt per capita...
- So we know that we have the second highest debt per capita.
Summary:
The Senate took up a major economic development package, Senate Bill 3178, with the chair and supporters describing it as a broad effort to strengthen Massachusetts through investments in housing, small businesses, public higher education, AI guardrails, downtown revitalization, and transportation. Supporters highlighted provisions allowing duplexes by right, streamlining housing permitting, expanding access to capital, addressing energy costs, and creating a transparency and safety framework for artificial intelligence. Several senators also spoke in favor of regional equity, including a proposal tied to West-East Passenger Rail and a Palmer station, and the bill was framed as a way to make the Commonwealth more competitive and affordable.
The minority leader argued the bill did not do enough to address the state’s high cost of living and business climate, citing debt, tax burden, outmigration, and recession risk. He said the Commonwealth needed to focus more on lowering the cost of doing business and living rather than relying on additional borrowing. Other amendments focused on consumer protection and fairness, including a measure to regulate or ban crypto ATMs due to widespread scam losses, and another to address auto insurance pricing practices that were described as unfairly burdening drivers in low-income and minority communities. A technical amendment clarifying durable powers of attorney and trust creation was also adopted.
The Senate adopted several amendments, including municipal property tax relief, the crypto ATM consumer protection measure, and the insurance commission amendment, and also adopted the technical trust-code amendment. The chamber approved a number of local and final passage items by roll call, including land transfers and local bills for the North Carver Water District, Marion land transfer, Carlisle town administrator powers, Leominster police civil service exemptions, Watertown property tax classifications, and Milton alcohol licenses. The Senate also observed moments of silence and adopted adjournment motions in memory of Patrick P.J. Roy and Jeffrey Hyde Walker before recessing until the next day.