Transcript Highlights:

• biblical, and legal legitimacy of the regions of Judea and Samaria and formally reject the term West Bank
• biblical, and legal legitimacy of the regions of Judea and Samaria and formally reject the term West Bank
• It's the Conservative Grassroots Network special play-in fund.
• Who is the Conservative Grassroots Network?
• And then part of the problem with AWAs is that they have access to borrowers' bank accounts.

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

Transcript Highlights:

• those terms in all official state communications, documents, and references, and reject the term West Bank
• those terms in all official state communications, documents, and references, and rejects the term West Bank
• By contrast, the term West Bank is a relatively recent political designation introduced during Jordan's
• The term West Bank is not ancient, it's not neutral, and it's not historically accurate.
• He said the term West Bank is not ancient, not neutral, and not historically accurate.

Committee: House House Appropriations Committee of Reference

Summary: The committee first took up HCR 2047 and the identical companion H.R. 2002, both of which would direct state communications to use the terms Judea and Samaria instead of West Bank and affirm the historical, biblical, and legal legitimacy of those names. The sponsor and several proponents, including Jeff Schwartz, Jason Morris, Rabbi Pinchas Alouche, and Jake Bennett, argued that the language is historically accurate and that “West Bank” is a political term that erases Jewish history. No one testified against either measure. HCR 2047 passed 10-6, and H.R. 2002 passed 11-6, both with due pass recommendations. The committee then heard HB 2554, which would establish a biennial state budget process and biennial capital planning, shifting agencies to submit budget requests every other year and requiring the governor to propose a two-year executive budget. Sponsor Rep. Joseph Chaplik said the bill would make government smaller, more disciplined, and more efficient, reduce long budget sessions, and restore a part-time legislative model. JLBC staff provided historical context on Arizona’s past annual and biennial budgeting systems and noted that second-year budgets are often modified for revenue and caseload changes. Several members raised concerns about legislative leverage, flexibility, and whether the change would be constitutional or practical. The bill received a do-pass recommendation after debate. Next, HB 2014, as amended, would require ADEQ and the Department of Agriculture to study gasoline blend emissions and feasibility for seasonal fuel sales in certain areas, with appropriations for the studies. Sponsor Rep. Lisa Fink said the bill responds to fuel vulnerability in Maricopa County and possible supply disruptions tied to California refinery closures. Some members supported the concept but voted present or no, citing prior stakeholder work, cost, and uncertainty about whether the studies would change outcomes. The amended bill passed with a do-pass recommendation. HB 2180, as amended, appropriated funding for the AZ Reach hospital transfer program; Rep. Julie Willoughby and AZ Reach representatives said it helps rural hospitals transfer patients efficiently and keeps clinicians at the bedside. The committee adopted an amendment reducing the appropriation from $2.5 million to $500,000, and the bill passed with a due pass recommendation after testimony from rural health providers. Finally, HB 2156, as amended, appropriated $250,000 to the livestock compensation fund to help ranchers with wolf depredation losses and conflict-avoidance measures. Game and Fish staff said the existing federal funding is unstable and insufficient, and the state fund helps compensate ranchers in rural Arizona. Some members supported the fund but opposed using general funds, citing budget constraints, transparency concerns, and wildlife conservation priorities. The committee adopted the amendment and then passed the bill with a due pass recommendation. The meeting adjourned after the final vote.

Transcript Highlights:

• To adopt development regulations around conservation of natural resource lands.
• FRDU came to be after a failed prior rural industrial land bank that had previously been authorized by
• That land bank concept is nearly identical to what the freight rail-dependent use overlay zone would
• FRDU came to be after a failed prior rural industrial land bank that had previously been authorized by
• That land bank concept is nearly identical to what the freight rail dependent use overlay zone would

Summary: The Senate Local Government Committee heard briefings and public testimony on several bills. SB 6064 would let qualifying regional fire protection districts or authorities take over administration and enforcement of the International Fire Code within their boundaries, with notice to counties and equivalent jobs for displaced workers; supporters said it would improve consistency and local control, while counties, fire marshals, and builders opposed it as unnecessary and likely to add permitting complexity and delay. SB 6101 would require county coroners to be appointed rather than elected, while preserving appointed medical examiners in larger counties; the sponsor cited the Yakima County coroner controversy as the reason for the bill, and opponents argued it would reduce voter accountability and could increase costs, though some supporters said appointment would professionalize death investigations and improve consistency. SB 6077 would extend from 21 to 28 business days the deadline for assessors and taxpayers to exchange valuation evidence before property tax appeal hearings, with supporters saying the change would give taxpayers a fairer chance to respond and opponents saying the bill should also address long delays in scheduling hearings themselves. The committee also heard SB 5820, which would repeal Clark County-specific Growth Management Act authority allowing freight rail-dependent uses on certain resource lands adjacent to a short-line railroad. The sponsor and supporters said the 2017 law was a poorly written special exemption that threatens agricultural and resource lands and should be repealed; opponents, including the railroad operator, business groups, and local officials, argued the rail overlay supports economic development, jobs, and low-emission freight movement and that the county should retain local control. Testimony on SB 5820 also raised concerns about safety, land-use conflicts, and the meaning of “adjacent,” with some witnesses saying the land is currently underused and others saying it is needed for future industrial and rail-served development. Finally, the committee heard SB 6013, an agency-request bill updating ski-area terminology and safety provisions to include aerial tramways, toes, and conveyors in the state’s ski lift regulations. State Parks supported the measure as a technical update to align safety inspections, insurance requirements, and rider conduct rules with current equipment terminology. The transcript ended before any vote or executive action was taken on these bills, and the chair noted some previously scheduled executive session items were moved to a later date.

Transcript Highlights:

• Nature Conservancy and Hawaii Reef and Ocean Coalition in support.
• My name is Lisa Thompson, CEO of the Maui Food Bank.
• Hawaii Food Bank serves the islands of Oahu and Kauai.
• Yeah, we did try reaching out to First Hawaiian Bank.
• </c><05:00:28.920><c> um</c> out to um you know um first ha Bank um out to um you know um first ha Bank

Committee: House Finance

Transcript Highlights:

• They're little bit more conservatively.
• </c><01:20:21.920><c> and</c> that 18 years, I was banking and that 18 years, I was banking and Hampshire
• And I would note that the banking industry has such a situation where bank board members are compensated
• </c> request of the banking department. request of the banking department.
• ,</c><01:51:50.320><c> Rhode</c> conservative than Massachusetts, Rhode conservative than Massachusetts

Committee: Senate Commerce

Transcript Highlights:

• If a bank, machinery dealer, or other lender seeks to enforce a debt against a farmer, that farmer has
• Now it used to be years ago it was implement companies, but now it is banks.
• And most of these are homegrown hometown banks.
• And you can see how that is broken down: your banks have here, AgStar, CoBank here, and all of their
• That helps them adapt to emerging challenges, conserve natural resources and remain globally competitive

Bills: HF3692

Committee: House Agriculture Finance and Policy

Keywords: Farmer-Lender Mediation Act, mediation, agriculture finance, debt relief, civil law

Transcript Highlights:

• I'm here to speak about the concerns for surplusing of state conservation lands.
• While it doesn't apply to state parks, forests, and WMAs after they are established, new conservation
• lands a land bank for agriculture.
• I do not think it's conservation creep.
• I do not think it's conservation creep.

Summary: The committee heard several bills and took favorable action on a number of them. CS/CS/SB 54 by Senator Sharif would require district medical examiners to perform toxicology screening for psychotropic drugs and intoxicating substances in autopsies of identified violent offenders, consult treating providers when available, document findings, and report results to state agencies; it passed after brief questions and one opponent waived against. CS/SB 176 by Senator Polsky would require public colleges and universities to publish clearer campus safety reporting and response procedures for threats to students, faculty, or staff; it also passed favorably with no opposition. CS/CS/CS/SB 290, the Florida Farm Bill by Senator Trumbull, was the longest item and drew extensive testimony. The bill covers fair association rules, preemption of local limits on gas- and diesel-powered farm equipment, surplus of certain state-owned lands for agricultural use, a food animal veterinarian loan repayment program, permanent funding for Farmers Feeding Florida, forest service training, signal jammer penalties, CDL exam cheating penalties, no-solicitation protections, inspector protections, biosolids rules, and contractor payment enforcement. Members adopted multiple amendments, including changes to contractor payment language, expanding vet loan repayment to equine vets, merging citrus research entities, technical updates to fair statutes and nonprofit definitions, and a late amendment removing the bill’s disparagement/free-speech section after significant public testimony and debate. A separate late amendment on biosolids delayed compliance timelines for Broward County, and the bill then passed favorably as amended. The committee also approved CS/CS/SB 834 on nonprofit religious organizations, which repeals a restriction on health care sharing ministries partnering with licensed insurance agents, while adding a disclaimer requirement through amendment; the bill passed with support from some faith-based and consumer groups and one waiver against. SB 936 on temporary door locking devices passed without opposition. CS/SB 50 would expand veterans’ courts statewide as an option in all judicial circuits for service-related issues such as PTSD, traumatic brain injury, and substance abuse; it received broad support from veterans and advocacy groups and passed favorably. CS/SB 1004, in strike-all form, would regulate dog and cat sales by requiring disclosure of medical records and financing terms, adding a three-day waiting period for financed purchases, and treating violations as unfair trade practices; an amendment removed an appropriation section, and the bill passed after questions about financing and pet retention. The committee then approved CS/CS/SB 178, which directs the Florida High School Athletic Association to adopt rules allowing coaches to provide good-faith support to student-athletes for basic needs like food, transportation, and recovery services, while requiring reporting and preserving anti-recruiting enforcement; members discussed possible parental-consent language, and the bill passed favorably. Finally, the committee began hearing CS/SB 198 on virtual currency kiosks, with Senator Rouson explaining that it would regulate crypto kiosks to combat fraud, require operator registration, fraud warnings, blockchain analytics policies, and transaction limits, but the transcript cuts off before further action on that bill.

Transcript Highlights:

• Up to 55,000 gallons per acre will be conserved, and that would also then create jobs and contracts and
• We've had travel trailers in recent months that were discharging from a bank into the river.
• It's not conservative. And I ask for a no vote. Any other debate?
• To the conservative comment, I would say this: it is conservative because we are conserving water.
• To the conservative comment, I would say this, it is conservative because we are conserving water.

Bills: SB2122 , SB330 , SB2071 , SB2169 , SB2069 , SB2095 , SB2157

Committee: Senate Agriculture and Wildlife

Summary: The committee first considered Senate Bill 2122, which would give the Oklahoma Department of Agriculture, Food and Forestry more flexibility to allow out-of-state poultry processing when in-state processing is unavailable. Supporters said the bill would help poultry producers who face short processing windows and lack sufficient in-state capacity, while opponents raised questions about food safety and environmental standards. The bill passed 13-0. The committee then took up Senate Bill 330, as amended, to help the Oklahoma State Veterinary School Committee study and support the state’s growing elk herd in western Oklahoma. An amendment updated dates and removed a fiscal section, and the bill passed 11-2. Senate Bill 271 followed, updating dairy regulation authority from milk from cows and goats to milk from all hoofed mammals and increasing the milk production fee from one cent to two cents per hundredweight. The Department of Agriculture said the change was needed to preserve Grade A status, maintain interstate milk shipping, and cover program costs without subsidizing the dairy program from poultry fees. After extensive debate over fees, federal pressure, raw milk safety, and state sovereignty, the bill passed 8-7. Later, the committee approved Senate Bill 2169, which creates a framework for managing invasive woody species and cedar removal on state lands to improve forage, reduce wildfire risk, conserve water, and increase school land revenues; it passed 12-1. Senate Bill 269, addressing baiting in migratory bird hunting and related penalties for guides, also passed 12-1. Senate Bill 2095, setting fees and fines for hunting guides and outfitters, passed 12-1 after questions about misdemeanor versus felony penalties. Finally, Senate Bill 2157, creating a Southeast Scenic Rivers framework, passed 8-5 after testimony that it would protect water resources and avoid federal scenic river designation, while critics argued it could expand government and affect property and agricultural rights.

Transcript Highlights:

• The House Research and Conservation Committee will come to order. We do have a quorum by my count.
• Idaho's 2008 rule already showed conservation and active management can coexist.
• Idaho's 2008 role already showed conservation and active management can coexist.
• Sustainable tourism and conservation jobs, on the other hand, build generational stability.
• Fortunel showed that conservation economies outperform extraction over the long term.

Committee: House Resources and Conservation

Transcript Highlights:

• I would say that there is a pressure campaign being advanced against banks.
• I serve as executive chair and chair of the board of directors of Eastern Bank.
• Eastern Bank, as many of you know, is the largest community bank headquartered in Massachusetts, with
• Eastern Bank has put up $250,000 against that particular ballot initiative.
• You just heard from the President of Eastern Bank that would be a 20% budget cut.

Summary: The Special Joint Committee on Initiative Petitions held a public hearing on two proposed ballot initiatives: one to reduce the state personal income tax rate from 5% to 4% over three years, and another to revise the state’s tax collection cap/62F process so it would be based on prior-year collections plus wage growth and include surtax revenue. The committee chair and House co-chair outlined the hearing process, and the first witness was Doug Howgate of the Massachusetts Taxpayer Foundation, who testified as the committee’s subject-matter expert on both measures. He said the income tax proposal would lower taxes broadly but would reduce state revenue by about $5.4 billion when fully implemented, with an estimated $800 million hit in FY27, and he discussed possible effects on competitiveness, taxpayer savings, and public finances. On the 62F proposal, he said the revised cap would make refunds more likely, could have produced several large refunds in recent years, and would reduce stabilization fund deposits and constrain recovery after recessions. Committee members questioned Howgate about competitiveness, outmigration, prior tax ballot measures, spending growth, MassHealth, and the interaction between the income tax and surtax. He emphasized that taxes are only one part of the state’s overall competitiveness and that housing, public services, and other factors also matter. He also noted that the surtax is constitutionally restricted but can still support ongoing spending choices. After his testimony, the committee moved to the proponents’ panel. Proponents of both initiatives, including representatives from Taxpayers for an Affordable Massachusetts, the National Federation of Independent Business, Pioneer Institute, and the Mass Opportunity Alliance, argued that the measures would improve affordability, help retain residents and businesses, and support job growth. They cited polling support, outmigration, small-business reinvestment, and comparisons to lower-tax states such as North Carolina. Their economist, Rebecca Paxton, said her model showed smaller revenue losses than critics claim and projected that the revised revenue cap would not create additional annual revenue losses while producing more regular taxpayer refunds. Committee members pressed the panel on competitiveness, prior ballot initiative implementation, and whether the measures would actually address broader affordability pressures; the hearing ended with the committee continuing to take questions from the proponents.

Transcript Highlights:

• In the House of Representatives, House Joint Memorial 9 by the Resources and Conservation Committee,
• state, and private lands and supports Idaho's economy through community development, recreation, conservation
• In the House of Representatives, House Bill 502, by the Resources and Conservation Committee.
• Senators, also today in the rotunda on the first floor is the Idaho Food Bank, along with food pantry
• Senators, also today in the rotunda on the first floor is the Idaho Food Bank, along with food pantry

Transcript Highlights:

• We're kind of conservative about... We're kind of conservative about things like that.
• It is in partnership with our banks. We don't do loans outside of banks.
• But if a business goes to a bank and the bank turns them down, presumably because of risk, why is it
• Well, what the bank can loan on, the bank does. But we, as...
• Um, and so, we view it and we analyze it in no different way than the bank does, but the bank is not

Committee: Joint Appropriations

Transcript Highlights:

• The California Conservation Corps is the longest-running and largest conservation corps in the United
• Conservation Corps was not familiar to me in the beginning. conservation core was not familiar to me
• And so we do a lot of work with Fire Safe Councils, Resource Conservation Districts, other conservancies
• to encourage their long-term conservation.
• The primary tool that we use is to conserve forest lands in perpetuity: permanent working forest conservation

Transcript Highlights:

• It's a hard thing for banks to do.
• And So, low-cost loans, low-cost capital for those kinds of banks. Thank you, Madam Chair.
• But for banks, basically, we will subordinate to banks because we know that if they could do the whole
• It's rare for a bank to pull back because they don't like the project. We'll subordinate to a bank.
• Madam Chair, it was a facility renovation, and there was not a bank involved.

Committee: House New Mexico Finance Authority Oversight Committee

Transcript Highlights:

• For the record, David Mendoza, the director of policy and government relations for the Nature Conservancy
• This is a standard that The Nature Conservancy itself holds in our participation in the voluntary carbon
• I'm here today testifying on behalf of Washington Conservation Action.
• My name is Caitlin Cren, here representing Washington Conservation Action, here today in support of SSB
• of either the bank of allowances and/or the banking of the proceeds from consignment, because we think

Bills: SB6013 , SB6291

Committee: House Environment & Energy

Keywords: ski areas, winter sports, terminology, recreation, economic development, SB6291, on-site wastewater treatment, onsite wastewater treatment, septic system, sewage treatment, wastewater inspection, environmental health, local board of health, public health, professional engineer, land surveyor, certificate of competency, inspection standards, design review, supervised practice

Transcript Highlights:

• We have Stacy Gallagher with Sea Turtle Conservancy and you are recognized. >> Thank you.
• Regarding release of conservation easements Chair Rodriguez, you are recognized to explain the bill.
• and other parts of the state, but there's no requirement for them to at least look for a mitigation bank
• That's a conservation easement in the middle of an industrial park because many, many years ago, someone
• But you've got to put this land conservation and it's literally industrial parks for as long as far as

Transcript Highlights:

• Next is House Bill 648, which is an act relating to banking, insurance, and securities.
• This is an act relating to banking, insurance, and securities.
• The attorney general opines that this is an extremely conservative estimate because many more are loath
• extremely conservative estimate because many<00:13:56.560><c> more</c><00:13:56.880><c> ammonas</c><
• of banking of Vermont Business<00:24:22.559><c> Owner,</c><00:24:23.279><c> the</c><00:24:23.600><c>

Transcript Highlights:

• She's the fishery strategy lead for the Nature Conservancy.
• And it has been a dedication that the Nature Conservancy has had.
• The Nature Conservancy is a science-based organization.
• It's essentially a bank account that needs the state Legislature to put money into it.
• It's essentially a bank account that needs the state Legislature to put money into it.

Committee: Senate Joint Committee on Fisheries and Aquaculture

Summary: The committee held its annual Zeke Grader Fisheries Forum to review the state of California fisheries and aquaculture, with panels planned on salmon, Dungeness crab, kelp, and ocean conditions. Chair McGuire opened by emphasizing the severe challenges facing West Coast fisheries, the importance of Proposition 4 funding for coastal resilience and habitat restoration, and the need to protect rural coastal economies and tribal fishing traditions. He also noted recent positives such as the first recreational salmon season in three years, the removal of four Klamath River dams, and a strong but shortened Dungeness crab season. Secretary of Natural Resources Wade Crowfoot and CDFW Director Charlton Bonham described the state’s salmon strategy, habitat restoration work, and efforts to reduce permitting delays and improve fishery management. They highlighted Klamath dam removal, Delta wetland restoration, floodplain and stream restoration, and use of Prop. 4 funds to support salmon recovery. Bonham reported limited but encouraging salmon openings in 2025, stronger returns in some runs, and ongoing concerns about federal funding cuts, reduced hatchery production at Nimbus, and the need for more monitoring and enforcement resources. He also said illegal cannabis cultivation is causing serious environmental damage through water diversion and toxic chemicals, and described increased enforcement through a unified state task force. Testimony from tribal, commercial, and conservation witnesses focused on salmon recovery needs. Yurok Tribe fisheries director McCovey said the Klamath run remains extremely weak, with the tribe still unable to sustain a commercial fishery, but praised dam removal and new state legislation to secure minimum flows. PCFFA president George Bradshaw called for major investment in aging hatchery infrastructure, especially in the Central Valley, and said three consecutive salmon closures have devastated coastal communities. CalTrout’s Schneider stressed that salmon remain at risk statewide, urged more monitoring, habitat reconnection, water management improvements, and flexible restoration funding, and said the state must accelerate work to keep pace with climate change. On Dungeness crab, CDFW’s Dr. Schumann reviewed the 2024-25 season, noting record prices per pound, about 8.5 million pounds landed, and roughly $55 million in ex-vessel value despite delays and trap reductions. He outlined new RAMP 2.0 rules, phased-in gear marking requirements, updated electronic monitoring, and alternative gear authorization, while warning that whale entanglements, warm water, and domoic acid remain major risks and could delay the 2025-26 opener. Committee members and witnesses discussed the need for certainty for the fleet, the growing use of ropeless or alternative gear, and the importance of continued monitoring and testing as the season approaches.

Transcript Highlights:

• Food Bank of Eastern New Mexico created a referral.
• Okay, so looking at how this impacts clients and food banks.
• Food banks will pick up the extra.
• Getting food from a food bank is not...
• They produce or they are delivering a lot of food to these food banks.

Transcript Highlights:

• The Committee on Banking and Insurance will now come to order. Madam Clerk, please call the roll.
• We're going to be conservative with it. We're not going to use agents based on this, right?
• So you're setting up your own personal bank account?
• Even as a member, I can see, okay, out of my bank... We do. Oh, okay, all right.
• You have access to my bank account? As the facilitator, we do.

Summary: The Committee on Banking and Insurance met with a quorum present and took up several bills, beginning with SB 834 on health care sharing ministries and insurance agents. Senator Yarbrough presented the bill to repeal a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing consumer protections; opponents said the bill was unnecessary and could increase confusion or misuse of agents and brokers. The committee adopted a title amendment and then reported the bill favorably after debate, with Senator Pizzo raising concerns about consumer reliance and lack of guaranteed coverage. The committee then approved SB 642 on foreign and alien bail bond insurers, SB 394 on reinsurance intermediary managers, and SB 266 on public adjuster contracts. SB 266 would let vulnerable adults rescind public adjuster contracts at any time without penalty; it drew support from consumer and industry groups, with some discussion about estimates and claim work product. The committee also passed SB 832 on residential property insurance transparency, which requires rate transparency reports and a consumer resource center at OIR, and adds a provision excluding land value from homeowners coverage calculations in most cases. Testimony on SB 832 was generally supportive of the transparency goal, though insurers said some of the required cost breakdowns may be difficult to produce as written. The committee next considered SB 1028 on Citizens Property Insurance Corporation, which would create a commercial lines clearinghouse to move eligible policyholders into the private market and reduce Citizens’ commercial exposure. Supporters said it would lower taxpayer risk and improve competition; a speaker suggested additional changes to deductibles, water-damage caps, and repair practices. The bill was reported favorably after a delete-all amendment and supportive debate from Senator Boyd. Finally, the committee passed SB 540 on the Office of Financial Regulation, which adds cybersecurity requirements for certain licensees, updates oversight of investment advisers and money service businesses, adjusts some charter and meeting rules for financial institutions and credit unions, and includes amendments clarifying repossession/deficiency claims, family office exemptions, and virtual credit union meetings. The meeting ended with all of the considered bills reported favorably and the committee adjourned.