Video & Transcript : 'Overdraft Lending' :

Page 38 of 114
KY
KY

Kentucky 2026 Regular Session

House Standing Committee on Banking and Insurance. (2-18-26)

Banking & Insurance

Transcript Highlights:
  • We're the ones that evaluation just means that a bank or lending institution or somebody wants something
  • that evaluation just means that a bank that evaluation just means that a bank or<00:29:14.160><c> lending
  • institution</c><00:29:14.920><c> or</c><00:29:15.000><c> somebody</c><00:29:15.840><c> wants</c> or lending
  • institution or somebody wants or lending institution or somebody wants something<00:29:16.640><c> a<
Committee: House Banking & Insurance
HI
HI

Hawaii 2025 Regular Session

HWN, HWN Public Hearings 04-01-2025

Transcript Highlights:
  • didn't even know that this was happening, but when I saw him pop up on the screen, I just needed to lend
  • screen I just saw him pop up on the screen I just needed<00:22:29.840><c> to</c><00:22:30.000><c> lend
  • </c><00:22:31.520><c> So</c> needed to lend my voice to this. So needed to lend my voice to this.
Summary: The Committee on Hawaiian Affairs heard multiple gubernatorial nominations to island burial councils, with testimony focused on the importance of filling vacancies so the councils can reach quorum and fulfill their kuleana to protect iwi kūpuna and burial sites. For GM 674, Kavuna Khalipi was introduced as OHA’s nominee for the Molokaʻi burial council, with OHA, SHPD, and several community members testifying in support and describing her cultural grounding, community service, and experience in mālama ʻāina. Testifiers also stressed that burial councils are essential for protecting ancestral remains and that prolonged vacancies have left sacred sites vulnerable. Khalipi herself said she was honored to serve but expressed concern about accepting the appointment without quorum, saying she did not want to waste a term if the council could not function effectively. The chair explained the Senate advice-and-consent process and the consequences of inaction, and after discussion Khalipi asked to pull her nomination from the committee. The chair then deferred decision-making on GM 674 until April 10 at 1 p.m. to clarify the process and avoid unintended rejection. The committee then heard testimony on GM 676, Dane Maxwell for the Maui and Lānaʻi burial council, GM 677, Noani Parisa, GM 678, Caroline Hartman, and GM 679, Benedict Duman. Supporters, including SHPD and OHA, highlighted each nominee’s cultural knowledge, preservation work, genealogy, and experience with burial or historic preservation matters. Testimony repeatedly linked the nominations to the need for functioning burial councils, especially in light of the 2023 Maui fires and long-standing vacancies. No votes were taken during the portion of the meeting provided; the chair indicated votes would be taken at the end of the agenda.
MN
MN

Minnesota 2025-2026 Regular Session

Committee on Elections - 03/25/25

Elections

Transcript Highlights:
  • they willfully, directly or indirectly advance, pay, give, promise, or now provide a chance to win or lend
  • promises or now provides a chance to win promises or now provides a chance to win or<00:13:12.240><c> lends
  • </c> or lends money, food, etc. or lends money, food, etc. to<00:13:16.240><c> induce</c><00:13:16.639
Committee: Senate Elections
TX
TX

Texas 89th Regular

Intergovernmental Affairs Mar 18th, 2025

Intergovernmental Affairs

Transcript Highlights:
  • If long-term agreements that were entered into by private investment companies and lending criteria were
  • executions that were done in good faith would send the wrong message to the private capital and to our lending
  • So when a lender is going to lend on a particular property, they send out a third party company that
  • guarantees that this property is going to stay in compliance with affordability, I'm not going to lend
Bills: HB21 , HB211 , HB223 , HB323 , HB524 , HB530 , HB636 , HB762 , HB21 , HB211 , HB223
Committee: House Intergovernmental Affairs
Keywords: housing finance, multifamily residential, low income, tax exemption, audit requirements, affordable housing, local government, development bonds, housing assistance, financial assistance, low income housing, community support, affordability, veterans housing, community involvement, air conditioning, tenant support, healthcare, elderly, taxation
HI
HI

Hawaii 2025 Regular Session

CPC Public Hearing - Thu Feb 20, 2025 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • the National Conference of State Legislatures, and it was about the third-party lenders that are lending
  • <00:50:09.480><c> lenders</c><00:50:10.000><c> that</c><00:50:10.119><c> are</c><00:50:10.280><c> lending
  • </c><00:50:10.599><c> the</c> third-party lenders that are lending the third-party lenders that are lending
Committee: House Consumer Protection & Commerce
Summary: The committee on Commerce and Consumer Protection met on February 20, 2025, and heard testimony on several measures. HB 850, relating to condominiums, drew support from the Community Associations Institute and the Hawaii State Association of Parliamentarians, who said it would improve owner participation, clarify voting rules, and preserve the use of proxies as a personal choice. A Zoom testifier supported the bill’s intent but warned that special meetings can be abused and suggested further amendments to address board president authority. Members asked about proxies versus electronic voting and whether the bill would reduce proxy use; no vote was taken. The committee also heard HB 48 on coffee labeling, with the Department of Agriculture in support, and HB 1370 on taxation, where a local brewery representative supported equal tax treatment for beer served from 5-gallon kegs and larger kegs when dispensed from a faucet, arguing the bill would clarify draft beer treatment and encourage sustainability. HB 1422 on motor carriers received comments from the Public Utilities Commission and the Department of State Parks, while representatives from a community-based shuttle initiative supported the bill and said nonprofit, community-led transportation solutions should not be regulated like traditional carriers. HB 874, relating to child performers, received support from SAG-AFTRA, IATSE, and individual performers, who emphasized protecting minors’ earnings, safety, and schooling. Testimony also discussed whether to include social media influencers and whether to add annual income limits or trust-account protections; the Department of Labor and Industrial Relations said the issue was outside its wheelhouse. Later, HB 799 on healthcare drew support from health plans and HMSA, with the Department of Health requesting amendments such as a sunset date, a Maui-only pilot, and a report back before changing its position. HB 1379 on health received support from Hawaii Pacific Health, but the Hawaii Medical Board raised concerns about vague language and public-safety implications for internationally trained physicians, asking for more time to study national licensing recommendations. Finally, HB 439 on education was heard, with the Hawaii Teacher Standards Board opposing the bill as drafted and warning about licensing standards and predatory third-party loans affecting J-1 teachers; the transcript ends before any action or vote on these measures.
MA
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Advanced Information Technology, the Internet and Cybersecurity Jun 21st, 2026 at 01:00 pm

Joint Committee on Advanced Information Technology, the Internet and Cybersecurity

Transcript Highlights:
  • our first state admission is to promote innovation, and we feel like that we can do that by both lending
  • our first state admission is to promote innovation, and we feel like that we can do that by both lending
  • Can do that by both lending structure to an emerging industry, and also really legitimizing this technology
  • We will lend a neighbor a cup of sugar, or, in my instance, lend a neighbor a few slices of pizza when
Committee: Joint Joint Committee on Advanced Information Technology, the Internet and Cybersecurity
Summary: The committee hearing focused on a package of Massachusetts privacy and technology bills, especially measures to ban the sale of location data, establish a comprehensive consumer data privacy law, and regulate biometric recognition and surveillance pricing. Chairs and sponsors argued that self-regulation has failed, that data brokers and large tech companies routinely collect and monetize sensitive information, and that state action is needed because federal protections are weak or absent. Several speakers tied the bills to reproductive health, gender-affirming care, domestic violence, children’s data, and other sensitive uses of location and biometric information. Supporters included legislators and advocates who backed H. 86/S. 197 (Location Shield), H. 78/S. 45/H. 104/S. 29 (comprehensive privacy bills), H. 99/S. 47 (surveillance pricing in grocery stores), and H. 36/S. 36 (biometric recognition accountability). They emphasized data minimization, bans on selling sensitive data, consumer rights to access, delete, and opt out, and in some cases a private right of action. Several witnesses said Massachusetts should lead or align with other states, while others argued that stronger protections are needed because data can be weaponized by stalkers, anti-abortion actors, abusive partners, insurers, or law enforcement. Industry and coalition witnesses urged the committee to favor a more standardized, interoperable framework modeled on laws already adopted in other states, warning that novel definitions, data-minimization rules, and private rights of action could create compliance burdens, confusion, and costs for businesses, including small businesses. They argued that entity-level exemptions for sectors already covered by federal laws like HIPAA or GLBA promote consistency, and that Attorney General enforcement is preferable to private lawsuits. Committee members questioned witnesses on patchwork concerns, the scope of exemptions, and whether the proposed bills would harm or help consumers and small businesses. No votes or final actions were taken during the hearing; written testimony was noted as due later, and the committee continued taking testimony from multiple panels and virtual witnesses.
NH
NH

New Hampshire 2026 Regular Session

Senate Executive Departments and Administration (04/22/2026)

Executive Departments and Administration

Transcript Highlights:
  • able to post an establishment license from OPLC while engaging in these activities, because it may lend
  • > Because they it will my concern is it Because they it will my concern is it may<00:43:40.560><c> lend
  • </c><00:43:43.040><c> And</c> may lend legitimacy to the business.
  • And may lend legitimacy to the business.
  • Does it lend legitimacy?
Committee: Senate Executive Departments and Administration
MN
MN

Minnesota 2025-2026 Regular Session

Committee on Jobs and Economic Development - 04/15/26

Jobs and Economic Development

Transcript Highlights:
  • information from Senator Pratt as to what language that he thinks that we should have in the bill that would lend
  • information from Senator Pratt as to what language that he thinks that we should have in the bill that would lend
  • c><01:23:54.960><c> bill</c><01:23:55.720><c> that</c><01:23:55.880><c> would</c><01:23:56.040><c> lend
  • </c> should have in the bill that would lend should have in the bill that would lend itself<01:23:57.400
Committee: Senate Jobs and Economic Development
MN
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 3/3/26

Commerce Finance and Policy

Transcript Highlights:
  • continue to rely on the same local institutions they already trust for mortgages, small business lending
  • > already trust for mortgages, small already trust for mortgages, small business<00:14:47.120><c> lending
  • ,</c><00:14:47.440><c> and</c><00:14:47.760><c> financial</c> business lending, and financial business
  • lending, and financial guidance.<00:14:49.040><c> At</c><00:14:49.279><c> its</c><00:14:49.519><c> core
  • Cloud Financial Credit Union, where I'm the executive vice president and chief lending officer.
Bills: HF3604 , HF2236 , HF3709 , HF3766 , HF2400
Committee: House Commerce Finance and Policy
KY
KY

Kentucky 2025 Regular Session

Kentucky Housing Task Force 2025 (6-30-25)

Transcript Highlights:
  • .<00:20:06.000><c> Um,</c><00:20:06.320><c> private</c><00:20:06.640><c> lending</c><00:20:07.120><c>
  • Um, private lending does development. Um, private lending does support<00:20:07.600><c> it.
  • <00:20:09.600><c> the</c><00:20:09.760><c> community</c><00:20:10.080><c> development</c> Private lending
  • And so what's been budgeted, as well as, you know, private lending, are simply insufficient to kind of
Summary: The Housing Task Force 2.0 reconvened with several new members and heard a presentation from Kentucky Housing Corporation Executive Director Winston Miller and Deputy Executive Director Wendy Smith. They framed the task force’s work as a practical effort to address Kentucky’s housing shortage, update members on the current housing landscape, summarize existing state and federal resources, and suggest areas for the task force to focus on over the coming year. KHC said its 2024 housing supply gap analysis found Kentucky is short about 206,000 housing units, split roughly evenly between rental and homeownership, and projected the gap could grow to 287,000 units by 2029 if current trends continue. They emphasized that every county in Kentucky needs more housing, that the 2008 housing crisis and loss of construction capacity remain major causes of the shortage, and that current pressures include high interest rates, rising insurance and tax costs, construction cost inflation, and housing prices and rents growing faster than incomes. KHC also said homelessness has risen in Kentucky, with point-in-time counts showing double-digit increases in recent years. The presenters reviewed existing resources, including federal programs, the Kentucky Affordable Housing Trust Fund, the rural housing trust fund, KHC mortgage and down payment assistance programs, and the state mortgage interest deduction. They said these resources are important but insufficient to close the gap, and noted that a proposed federal FY2026 budget would cut HUD programs by 44%, potentially removing about $286 million from Kentucky housing resources, though no action has been taken yet. They urged the task force to consider stronger, more flexible tools such as a revolving loan fund, a state affordable housing tax credit, and economic development and employer-assisted housing incentives, and pointed to Indiana’s housing infrastructure and regional development funds as examples. No votes or formal actions were taken in the portion provided.
MN
MN

Minnesota 2025-2026 Regular Session

House Taxes Committee debates bill to modify tax breaks for MN data centers, HF1277 2/27/25

Transcript Highlights:
  • don't agree with all the rest of it, that's called cherry-picking, and it's not really like it doesn't lend
  • don't agree with all the rest of it, that's called cherry-picking, and it's not really like it doesn't lend
  • um it<00:16:29.800><c> it</c><00:16:30.120><c> doesn't</c><00:16:31.120><c> um</c><00:16:31.319><c> lend
  • itself</c><00:16:31.880><c> to</c><00:16:32.079><c> kind</c><00:16:32.199><c> of</c> it it doesn't um lend
  • itself to kind of it it doesn't um lend itself to kind of a<00:16:32.399><c> credible</c><00:16:32.759
HI
HI

Hawaii 2025 Regular Session

CPN-AEN, CPN-EDT, CPN-HOU, CPN-EIG Public Hearings 01-29-2025

Commerce and Consumer Protection

Transcript Highlights:
  • beneficial effects to the state of using depositories within the state, including but not limited to lending
  • beneficial effects to the state of using depositories within the state, including but not limited to lending
  • c><00:32:35.039><c> not</c><00:32:35.200><c> limited</c><00:32:35.559><c> to</c><00:32:35.760><c> lending
  • </c><00:32:36.159><c> at</c> including but not limited to lending at including but not limited to lending
Committee: Senate Commerce and Consumer Protection
Summary: The committee first heard SB 252 on invasive species, which would broaden the Department of Agriculture’s authority to inspect items moved into or within Hawaii, prohibit the sale of pest-infested merchandise, and allow quarantine, treatment, or destruction of affected materials with clarified penalties. Testifiers from the Hawaii Invasive Species Council, the Coordinating Group on Alien Pest Species, the Farmers Union, and many others strongly supported the bill, emphasizing gaps in current inspection authority and the need to address high-risk non-agricultural commodities such as outdoor furniture and other cargo that can carry pests like red imported fire ants. Members raised concerns about staffing, inspection capacity, commerce impacts, and whether better manifest descriptions or scanners could help target higher-risk shipments. The chairs recommended passage with Department of Agriculture and technical amendments, and the committees adopted the recommendation. The joint CPN/EDT hearing then took up SB 148 on combat sports, which would create a Hawaii Combat Sports Commission and regulate combat sports while prohibiting no-rules contests. The Department of Commerce and Consumer Affairs offered comments on effective dates and later said other jurisdictions generally use a single commission for boxing and MMA. Supporters, including a professional fighter and a longtime advocate, argued the bill would help revive the sport in Hawaii, improve local opportunities, and reduce costs associated with separate commissions; one testifier initially appeared opposed but clarified he was actually in support. Committee members asked about safety, medical coverage, staffing, vacancies, and whether separate commissions could share staff. The committees ultimately recommended passage with amendments, including an Attorney General effective-date amendment, amendments from the Hawaii Association of Professional Nurses to increase health-care coverage at fights, and DCCA’s recommendation to unify boxing and MMA under one commission; the effective date was deferred to July 1, 2050, and the recommendation was adopted. A later joint CPN/Housing agenda began with SB 69 on deposits of public funds, which would require the Director of Finance to consider the benefits of using in-state depositories, including favorable lending terms for affordable housing. The Department of Budget and Finance and the Hawaii Bankers Association offered comments, and no other testimony or questions were noted before the discussion moved on. The next measure introduced was SB 24 on limited profit housing associations, which would create a regulatory framework and a limited profit housing council; the transcript cuts off as testimony on that bill was beginning.
OK
OK

Oklahoma 2026 Regular Session

Joint Committee on Appropriations and Budget Apr 20th, 2026 at 04:30 pm

Joint Committee on Appropriations and Budget

Transcript Highlights:
  • Also, for our SBA lending, which sends business to our banks in the state to finance these companies,
Bills: HB4028 , HB4029 , HB4059 , HB4063 , HB4073 , HB4074 , HB4075 , HB4076 , HB4077 , HB4078 , SB1130 , SB1131 , SB1132 , SB1133 , SB1134 , SB1142 , HB4028 , HB4029 , HB4059 , HB4063 , HB4073 , HB4074 , HB4075 , HB4076 , HB4077 , HB4078 , SB1130 , SB1131 , SB1132 , SB1133 , SB1134 , SB1142
Committee: House Joint Committee on Appropriations and Budget
Keywords: tax deduction, venture capital, economic development, Oklahoma, investment, ALS, funding, healthcare, State Department of Health, emergency declaration, public finance, state budget, financial regulations, monetary policy, referendum, constitutional amendments, special election, Oklahoma legislature, public voting, recovery fund
OK
OK

Oklahoma 2026 Regular Session

Appropriations and Budget General Government Subcommittee 2nd Revision - HB3307 - Steagall - added Feb 16th, 2026

Transcript Highlights:
  • would you agree that is the case that if this indemnity fund was in place and funded, that it would lend
Summary: The committee heard and advanced a series of bills, mostly on a due-pass basis. Representative Grego’s bill to keep a prescribed-burn indemnity fund framework alive, with no state cost and hopes of private or insurance funding, passed 6-0 after discussion about wildfire risk and encouraging safer burns. Representative West’s HB 2962, removing time limits and refund caps for certain tax overpayment claims and extending refund rights for tribal members and former wards, also passed 6-0, with the sponsor saying it would apply retroactively. Representative Archer’s HB 3175, as a committee substitute, would begin creating a state nuclear regulatory framework in anticipation of future federal court changes; it passed 4-3. Representative May’s HB 3336 to remove the salary cap on the OMES CIO failed 2-5 and remained in Appropriations and Budget, while his HB 3831 to create a revolving fund for Oklahoma Task Force One equipment upgrades passed 6-1. Representative Wolfley’s HB 3566 raising tag agent title-transfer fees from $2.25 to $3.75 passed 6-1, and Representative Lawson’s HB 3621 to recreate a state data center for census preparation and LUCA support passed 6-1 after he agreed to amend it to be subject to available funds. Other measures advanced included HB 2958, a 9% pay raise for state employees, which passed unanimously 8-0; HB 3047, making LOFT the clearinghouse for statutorily required agency reports, which passed 6-1; HB 4301, strengthening the VA escape clause by requiring earnest-money refunds when a VA-financed home does not appraise, which passed 7-0; and HB 1979, creating a two-year task force to consolidate early childhood programs across agencies, which passed 4-2. The committee also heard a bill allowing the Attorney General’s Office and District Attorneys Council to buy vehicles without going through OMES, and it passed 6-2. After finishing the agenda, the committee announced a short recess before reopening for an Emergency Management budget hearing.
ID
ID

Idaho 2026 Regular Session

Feb 9th, 2026

Transcript Highlights:
  • Maybe she can lend a little bit more information.
Summary: The joint Senate Finance and House Appropriations committee met to consider several FY 2026 and FY 2027 cash transfers and then began reviewing maintenance budget language for FY 2027. The first transfer moved $33.745 million from the permanent building fund to the general fund. Keith Bybee and Lori Wolf explained the money was tied to canceled or stalled capital projects, including the Carnegie Library purchase/renovation, juvenile corrections facility additions, an Idaho State Police district facility, IDOC reentry-related projects, and an ISU pedestrian crossing. Senator Wintrow raised concerns that some projects remained important, but the committee approved the transfer 18-2 and sent it with a due pass recommendation. The committee then approved a $15 million transfer from the Water Pollution Control Fund to the general fund and a $10 million transfer from the In-Demand Careers Fund to the general fund, both with due pass recommendations. Members asked whether there were eligible students waiting for In-Demand Careers grants and whether the transfer would reduce aid availability; staff said the fund had a large cash balance relative to current obligations and that some money had been returned or remained unclaimed. The committee also approved a FY 2027 In-Demand Careers transfer of $10 million, but only after awards are obligated and reconciled on December 31, 2026, or as soon thereafter as practicable, reflecting concerns about preserving student aid while allowing unused balances to revert. After the cash-transfer votes, the committee shifted to maintenance budget work for FY 2027. Bybee explained that the packet contained the standard clear language for the maintenance bills, but the reporting structure in the budget database had been disrupted by the many adjustments, so staff would do additional testing before final numbers were circulated. He walked members through the table of contents and examples of the language, noting that maintenance budgets have only existed for three years and generally contain less controversial statutory language, though workgroups could still consider adding intent language. The committee was told that workgroups for General Government and Natural Resources would begin, with additional lunch meetings possible, and the meeting adjourned until the next morning.
TX
TX

Texas 89th Regular

Press Conference: Senator Nathan Johnson Jul 30th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • It's something we've consulted with a lot of leaders in this space, and we think it is going to lend
Bills: SB5 , SB11 , SB12 , SB9 , SB42 , SB15 , SB5 , SB11 , SB12 , SCR1
AL
AL

Alabama 2025 Regular Session

Alabama House State Government Committee Feb 12th, 2025

State Government

NM
NM

New Mexico 2025 Regular Session

House - Chamber Meeting Jan 27th, 2025

Transcript Highlights:
  • the structure of the Public Bank of New Mexico, providing duties, permitting certain investments, lending
MN
MN

Minnesota 2025-2026 Regular Session

Committee on Housing and Homelessness Prevention - 02/18/25

Housing and Homelessness Prevention

Transcript Highlights:
  • They don't have separate access to lending tools that we had been able to do when we were more liquid
  • They don't have separate access to lending tools that we had been able to do when we were more liquid
  • We saw a 112% increase in our home mortgage lending in 2014, which served 14,000 households with incomes
  • that are typically less than $122,500 in general, not in the lending program. 48% of our competitive
  • program program um uh not in the lending program program um uh 48%<01:44:57.360><c> of</c><01:44:57.480
Committee: Senate Housing and Homelessness Prevention
NH
NH

New Hampshire 2025 Regular Session

House Education Funding (01/14/2025)

Transcript Highlights:
  • Our work, in some cases, just doesn't lend itself to that, and it's for a number of reasons.
  • > numbers our work in some cases just numbers our work in some cases just doesn't<02:04:14.920><c> lend
  • itself to that and it's for doesn't lend itself to that and it's for a<02:04:17.360><c> number</c><02
  • So there's a lot about our work that doesn't lend itself to the kinds of large round numbers that tend
  • That doesn't lend itself to the kinds of large round numbers that tend to get people excited and also
Summary: The meeting was the first session of a newly created House Education Funding Committee, which also handles career technical education and higher education legislation. The chair explained that the committee was split off from the larger education committee because of the high volume of bills in the prior biennium, and said its focus would be on education funding policy and related fiscal issues. He noted that the committee had already reviewed major topics with the Department of Education, including the foundation formula, building aid, career technical education, special education aid, catastrophic aid, and higher education funding, and that chancellors from the university and community college systems were scheduled to appear later that morning. The bulk of the meeting was an orientation on committee procedures and decorum. The chair reviewed attendance and replacement rules, hearing procedures, time limits for testimony, and how the committee would handle crowded hearings, early bills, and fiscal notes. He emphasized that hearings are not debates, that sponsors and co-sponsors may present but should not use their position to dominate questioning, and that the chair controls whether additional technical questions are asked of witnesses. He also stressed neutrality, saying members should not display buttons or placards or engage in running debates with testifiers, and that the committee should treat all testimony respectfully regardless of party or viewpoint. Additional housekeeping guidance covered security procedures, use of cell phones and computers during hearings, breaks and hydration in the dry hearing rooms, and courtesy toward the clerk and other staff. The chair also asked members to notify leadership in advance of absences and explained that some bills may require larger rooms or overflow arrangements. No votes were taken and no bills were acted on during this portion of the meeting.