Video & Transcript Research : 'voluntary process'

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MN
Transcript Highlights:
  • calculated step to offer voluntary calculated step to offer voluntary convenience<00:15:45.399><
  • The process of obtaining a mobile ID requires going through a process on the phone, and the data that
  • That data is all packaged up and then vetted through a process that is defined by the agency.
  • That data is all packaged up and then vetted through a process that is defined by the agency.
  • That data is all packaged up and then vetted through a process that is defined by the agency.
Keywords: 1183, house
NJ

New Jersey 2026-2027 Regular Session

Senate Session Jun 30th, 2026

New Jersey Senate Floor Meeting

Transcript Highlights:
  • , that the process sucked.
  • She vowed to end this opacity and bring total transparency to the process.
  • They deserve a process that is open, transparent. ...and last-minute votes.
  • To our staffs, who are so integral and critical to this process, thank you.
  • We've become great friends through this process, even during our disagreements.
Keywords: 1146, all
OK

Oklahoma 2026 Regular Session

Appropriations and Budget Natural Resources Subcommittee - Morning Session Dec 17th, 2025

A&B Natural Resources Subcommittee

Transcript Highlights:
  • We also are in the process of purchasing some new vehicles that had been a few years since we've been
  • And I really think it's something because this is all voluntary, incentive-based conservation.
  • And I really think it's something because this is all voluntary, incentive-based conservation.
  • And I really think it's something because this is all voluntary, incentive-based conservation.
  • And I really think it's something because this is all voluntary, incentive-based conservation.
Summary: The meeting began with a budget presentation from the Oklahoma Department of Agriculture, Food and Forestry. Secretary Blaine Arthur and Deputy Commissioner Jan Lee described the agency’s divisions and recent efforts to improve efficiency, including expanded online licensing, electronic veterinary inspection certificates, and a new laboratory information system. They highlighted youth and workforce programs, local food initiatives for schools, market development efforts, and ongoing animal health concerns such as avian influenza, equine herpesvirus, and the threat of New World screwworm. They also discussed staffing, turnover, and uncertainty around federal cooperative agreement funding, while noting they were not requesting new or additional appropriations for the upcoming fiscal year. Members asked about meat inspection staffing, the use of one-time forestry firefighting funds, biosecurity and national security coordination, and agency staffing levels. The department said meat inspection was currently in good shape but dependent on federal funding stability, and explained that prior firefighting dollars had been used for equipment purchases. They also said they work with state and federal partners, including DHS and FBI, on threat preparedness and have reduced turnover by adjusting salaries and maintaining staffing at or below prior levels. The Oklahoma Conservation Commission then presented its budget and program overview. Staff described the agency’s long history and current work in water quality, flood control, soil health, unpaved roads, wetlands, and woody species control, especially eastern red cedar removal. They emphasized data-driven, voluntary conservation practices, citing stream cleanups, flood-control dam benefits, pond cleanouts during drought, and the Cherry-Peach watershed project as examples of programs that improve water resources and reduce wildfire risk. The agency said its workload has grown significantly and requested funding for critical dam repairs, local conservation district staffing, continued unpaved roads work, and expansion of woody species control statewide. Members asked about county matching for road and dam projects, who to contact about flooding roads, sediment removal from pond cleanouts, and the effectiveness of county training programs. Commission staff explained that county in-kind work can count as match, local conservation districts are the first point of contact, and the road training has produced measurable savings and better maintenance practices. They also clarified that “high hazard” dams are those where failure could threaten people or infrastructure downstream, not necessarily dams that are structurally failing.
CO

Colorado 2026 Regular Session

Colorado Senate 2026 Legislative Day 021 Feb 4th, 2026

Colorado Senate Floor Meeting

Transcript Highlights:
  • > nonprofit largest professional voluntary nonprofit largest professional voluntary nonprofit
  • to go through this process of an ERPO. to go through this process of an ERPO.
  • . process. process.
  • <00:51:08.960> It's This is not due process. It's This is not due process.
  • It gives counties and voluntary.
Keywords: 981, all
Summary: The Senate convened with a quorum, approved the February 2, 2026 journal, and received committee reports. The Education Committee recommended Senate Bill 19 be amended and sent to the Committee of the Whole with a favorable recommendation, and also recommended confirmation of several appointments, including James JB Holston as Executive Director of the Department of Higher Education and two members of the Private Occupational School Board. The Judiciary Committee recommended Senate Bill 5 be amended and referred to Appropriations with a favorable recommendation. The chamber then moved out of order for resolutions and took up Senate Joint Resolution 7, recognizing February 2026 as Black History Month. The resolution was read at length and included extensive findings on Black history nationally and in Colorado, highlighting figures such as Barney Ford, Clara Brown, early Black legislators, and more recent Black civic and legislative leaders. Senator Exum said there were no additional comments and noted that remarks would be made later in the House. The resolution was adopted on a 33-0 vote, and the current roll call was added as co-sponsors. The Senate also considered Senate Bill 10 on the third-reading consent calendar, a bill clarifying definitions used in agricultural property taxation. It passed unanimously, 33-0. The body then took up Senate Bill 4, which would expand who may petition for an extreme risk protection order. Senator Sullivan and supporters framed it as a public safety measure, while Senator Minority Leader and Senator Zamora Wilson opposed it, arguing it could create administrative burdens, unintended consequences, constitutional concerns, and costs. The debate continued with extended opposition remarks, but the transcript ends before a final vote on SB 4 is shown.
HI
Transcript Highlights:
  • It's completely voluntary.
  • So again, it would be completely voluntary. No one needs to do this.
  • Technologies and processes that improve Technologies and processes that improve efficiency<01:17:16.400
  • <02:05:26.360> um going to be a negotiation process um going to be a negotiation process um
  • <02:17:12.160> and communication throughout the process and communication throughout the process
Keywords: 910, house, all
Summary: The House Committee on Housing held a public hearing and moved quickly through a long agenda, beginning with HB 606 on the Department of Hawaiian Homelands. DHHL and several community testifiers strongly supported the bill, describing it as a way to fulfill long-standing promises to Native Hawaiians, reduce the DHHL waitlist, keep families in Hawaii, and support housing production and the broader economy. Testifiers emphasized the cultural and economic importance of stable housing and noted the large number of people still waiting for DHHL homes. The committee then heard HB 1086, also relating to DHHL, which would allow the department to use a $75 million appropriation from the dwelling unit revolving fund as collateral for loans. DHHL, HHFDC, and other supporters said the measure would help DHHL obtain better loan terms and preserve trust funds for other uses. Members asked detailed questions about how the collateral would work, whether other agencies use similar structures, and what would happen if the collateral were drawn upon; staff explained that the funds would be encumbered for the loan and that a similar model had been used for a HUD-backed project. The committee also heard HB 739, which would create the COM homes program to fund counties to buy voluntary deed restrictions from eligible homeowners or buyers. Supporters said the program could help keep local workers in Hawaii by using existing housing stock and cited examples from places like Aspen and Vail. The Attorney General’s office recommended amendments to remove duration requirements to avoid right-to-travel concerns, and the Tax Foundation suggested clarifying the conveyance tax exemption so it also covers the instrument imposing the restriction. Members asked whether tax dollars would be used to buy homes, who would be eligible, and how enforcement would work; supporters said the program is voluntary and income-blind, with restrictions tied to living and working in the state. No votes were taken during the hearing.
AZ

Arizona 2026 Regular Session

01/27/2026 - House Education

Education

Transcript Highlights:
  • And number three, it is completely voluntary.
  • That's a process. Every teacher knows that.
  • And so, because there hasn't been a stakeholder process, because there hasn't been a stakeholder process
  • And that's the purpose of the budget process.
  • And that's the purpose of the budget process.
Keywords: 1182, all
Summary: The committee first heard House Bill 2266, which would change school district and charter governing board policy from permissive to mandatory for excusing students for religious instruction during the school day. The sponsor and supporters framed it as a parental-choice and religious-liberty measure that preserves release-time programs, while opponents argued it would reduce local control, take students out of core instruction, create peer pressure and bullying, and raise constitutional concerns. After testimony from Secular AZ, a LifeWise Academy board member, and a school board president, the committee voted 7-5 to give HB 2266 a do pass recommendation. The committee then took up House Bill 2193, a cleanup measure related to student directory information and parent organizations such as PTOs/PTAs/APTs. Supporters said the bill would restore parent-to-parent communication that had been unintentionally limited by prior privacy legislation, while some members raised concerns about how the information could be used and suggested narrowing the language to prevent political or lobbying uses. The bill advanced on a 10-1 vote, with members generally supporting school-community communication but asking for possible amendments. Finally, the committee heard House Bill 2075, which requires public school districts to submit superintendent and other top administrator contracts or attestations to ADE and have the information posted in a searchable database. The sponsor and Goldwater Institute supporters said the bill is a transparency measure because base salary reports do not show total compensation, benefits, or allowances; opponents from school administrator groups and rural districts argued the bill singles out districts while ignoring charters and other publicly funded education providers, and they said superintendent pay is already publicly available in other forms. Discussion also touched on whether the bill should be expanded to charters and private schools. The sponsor closed by emphasizing transparency and the committee continued discussion of the measure.
NM

New Mexico 2026 Regular Session

House - Judiciary Jan 28th, 2026 at 03:17 pm

House Judiciary

Transcript Highlights:
  • So the process now will be an explanation of the bill, and then we'll go to public comment.
  • On the ground, my colleagues are reporting serious concerns of due process violations.
  • Now, let me talk a little bit about process. We are going to take opposition first.
  • I was just wondering, is there a process in place? Has that been talked about?
  • And being a part of this process, being a part of this system makes us enablers.
Bills: SB100
NH

New Hampshire 2025 Regular Session

House Criminal Justice and Public Safety (04/09/2025)

Criminal Justice and Public Safety

Transcript Highlights:
  • But recovery court has been capped plea process. And that means that capped plea process.
  • It's designed to help them process and remove non-citizens, so it's a totally voluntary thing if a police
  • No, it's voluntary. I'll answer that. No, it's voluntary.
  • So, it's an iterative process.
  • for that process may may be sufficient. for that process may may be sufficient.
Keywords: 1189, house, all
NM
Transcript Highlights:
  • That seems to be a concept that's sort of lacking in this new budget process.
  • Thereby, they called for EliS staff to lead that planning process.
  • Um, do we refine that process and even Mr.
  • Uh, and so, you know, that process is not played out yet.
  • Involvement would be voluntary and then Mr.
MN

Minnesota 2025-2026 Regular Session

On-time payment credit reporting option 3/18/26

Minnesota House Floor Meeting

Transcript Highlights:
  • Um, it's voluntary for tenants. It exempts small landlords with 10 or fewer units.
  • Um it's voluntary for tenants. It one. Um it's voluntary for tenants.
  • You've got to set up a process portal.
  • <00:15:35.880> And<00:15:35.959> then opt-in opt-out process work?
  • And then opt-in opt-out process work?
Keywords: 1183, house
HI

Hawaii 2025 Regular Session

CPN-EIG, CPN-HHS, CPN DEFER Public Hearings 02-11-2025

Commerce and Consumer Protection

Transcript Highlights:
  • It's a process to go back.
  • <00:19:32.159> and to kind of shareholder processing and to kind of shareholder processing
  • Providing an expedited process.
  • andcome process you talk about in here andcome process you talk about in here saying<00:40:19.440>
  • ...as we're doing our rates process or any other process, we have to weigh the interest of everybody,
Keywords: 912, senate, all
Summary: The joint Senate hearing focused primarily on SB 1201, a wildfire measure that would create a wildfire recovery fund and allow securitization for electric utilities. Hawaiian Electric strongly supported the bill, saying it would help protect customers, property owners, insurers, and the broader economy from future catastrophic wildfire liability while improving the utility’s credit profile and lowering financing costs. Support also came from DCCA Consumer Advocacy, the Attorney General’s office on written comments, Ulupono Initiative, Clearway Energy Group, IBEW Local 1260, Par Hawaii, KIUC, the Chamber of Commerce Hawaiʻi, Plus Power, and numerous organizations and individuals. Opponents or commenters raised concerns about the liability cap, victim compensation process, and fund structure, including the Hawaiʻi Association for Justice, the Hawaiʻi Regional Council of Carpenters, and the Hawaiʻi Insurance Council; Henry Curtis of Life of the Land supported the concept of a fund but questioned the catastrophe threshold and whether the fund would be empty without a prudency finding. Much of the discussion centered on whether the proposed fund would actually help restore Hawaiian Electric to investment grade, with senators comparing the proposal to California’s wildfire fund. Hawaiian Electric said the bill was only one part of a broader process, alongside physical risk reduction and settlement finalization, and argued that without the bill the utility would not regain investment grade. Senators also questioned the proposed $1 billion fund size, the fairness of ratepayer contributions versus shareholder contributions, and whether customers should pay for consulting and administrative costs; Hawaiian Electric said its proposed amendment would remove those consulting-related charges. The company also said the fund would accrue interest and, if unused, could be returned to customers, and that there would be replenishment and supplemental contribution mechanisms if the fund were exhausted. The Attorney General’s office said it still had further amendments to discuss, and the departments had not yet resolved where the fund should reside administratively, though Hawaiian Electric said it believed DCCA was the appropriate place but was open to alternatives. KIUC requested two amendments. No vote or final committee action was taken during the hearing, and the measure remained under discussion with questions and proposed amendments still outstanding.
CO

Colorado 2026 Regular Session

Colorado House 2026 Legislative Day 063 Mar 18th, 2026

Colorado House Floor Meeting

Transcript Highlights:
  • to<00:43:28.960> ensure deliberate thoughtout process to ensure deliberate thoughtout process
  • the missing children reporting process. the missing children reporting process.
  • So this process meets the current letter of the law, but the manual process tends to lead to problems
  • Section six attempts to clarify reports being mandatory or voluntary.
  • ,<01:08:48.319> we stakeholding in uh this process, we stakeholding in uh this process, we
Keywords: 981, all
Summary: The House convened with a quorum, approved the journal, and heard several announcements and tributes, including recognition of American Red Cross Day and reminders about committee meetings. Members also marked St. Patrick’s Day with light remarks and a limerick before moving into floor business. Committee reports were read, including a recommendation to refer House Joint Resolution 1021 on farmers markets to the House for final action and to postpone House Bill 1270 indefinitely, along with favorable reports on other bills. The chamber then took up House Joint Resolution 1021, which supports Colorado farmers markets, local food access, Double Up Food Bucks, and the partnership between the Department of Agriculture and the Colorado Farmers Market Association. The sponsor and other members spoke in favor, emphasizing the value of farmers markets to local economies, small producers, and access to fresh food. The House suspended the rules for immediate consideration, then adopted the resolution unanimously, 58-0, with seven excused. The House next moved through third-reading votes on several bills. Senate Bill 74, concerning penalties in public construction performance bond disputes, passed 59-0; House Bill 1252, updating state entities responding to emergencies, passed 52-7; Senate Bill 16, prohibiting discharge of pre-production plastic materials, passed 41-0; Senate Bill 37, allowing local elected judicial officers to set weekend bonds, passed 59-0; and House Bill 1253, on disconnection of property from a statutory municipality, passed 48-11. The body also set House Bill 1299 and House Bill 1102 as special orders. The House then began special-order consideration of House Bill 1299, a school administrative-relief measure aimed at reducing reporting burdens. Sponsors described provisions modernizing missing-children reporting, repealing outdated paper-and-pencil assessment policy requirements, aligning statute with State Board rules on unified improvement plans for smaller districts, and clarifying mandatory versus voluntary reporting. Members discussed an amendment to strike “or charter school collaborative,” with concerns that collaborative schools may need separate improvement plans if their programs differ. The amendment and the committee report were both adopted, and debate on the bill continued as the transcript ended.
HI

Hawaii 2025 Regular Session

CPC/CPN Joint Info Briefing - Mon Jan 27, 2025 @ 2:00 PM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • <00:15:55.399> Market either by two or three voluntary Market either by two or three voluntary
  • <01:12:59.840> of uh most recently we're in a process of uh most recently we're in a process
  • Right now it's going through the process.
  • We don't know why, so it's going through that process right now.
  • It's just what phase of the process we're in, and we haven't even signed the contract.
Keywords: 910, house, all
TX

Texas 89th Regular

Senate Session (Part II) Mar 19th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • The bill also includes a reconsideration process, and it gives parents transparency and control over
  • That's why it's going to be a voluntary program.
  • This is the first of about five major bills that's coming through the process.
  • I respect for the process.
  • Voluntary, right.
Bills: SCR5, SCR13, SB3, SB6, SB10, SB12, SB13, SB15, SB17, SB18, SB19, SB24, SB35, SB57, SB65, SB112, SB284, SB290, SB388, SB400, SB402, SB412, SB495, SB499, SB502, SB509, SB621, SB706, SB740, SB815, SB842, SB854, SB875, SB893, SB917, SB974, SB1025, SB1061, SB1073, SB1106, SB1268, SB1281, SB1300, SB1362, SB1379, SB1447, SB1451, SB1555, SB1902, SJR36, SJR12, SCR13, SCR25, SCR5, SCR22, SCR12, SCR24, SB495, SB412, SB10, SB18, SB565, SB372, SB842, SB765, SB62, SB19, SB666, SB707, SB888, SB687, SB706, SB847, SB290, SB13, SB1248, SB740, SB14, SB1006, SB504, SB917, SB925, SB388, SB1902, SB1121, SB995, SB857, SB305, SB296, SB284, SB35, SB6, SB815, SB3, SB1281, SB1379, SB1300, SB1497, SB1499, SB1498, SB1451, SB1061, SB15, SB65, SB241, SB304, SB402, SB499, SB621, SB974, SB1023, SB1024, SB1025, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB17, SB1119, SB1505, SB12, SB24, SB57, SB1194, SB1253, SB1215, SB1532, SB1268, SB1302, SB856, SB650, SB583, SB673, SB840, SJR57, SCR8, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB3, SB6, SB15, SB35, SB290, SB706, SB842, SB917, SB1281, SB1451, SB1902, SB12, SB13, SB17, SB19, SB388, SR261, SR265, SR276, SR277, SR281, SR286, SR293, SCR5, SCR13, SB2425, SB2880, SB10, SB12, SB13, SB17, SB18, SB19, SB388, SB412, SB495, SB2425, SB2880
NH

New Hampshire 2025 Regular Session

House Ways and Means (04/01/2025)

Transcript Highlights:
  • <00:26:56.400> is the way we designed this process is the way we designed this process is
  • What I'm trying to say is we try to simplify the process.
  • <01:22:14.800> for um the uh the manufacturing process for um the uh the manufacturing process
  • <01:35:28.000> um these are pilots are just voluntary. um these are pilots are just voluntary
  • <01:35:30.719> um if they're engaged in voluntary um if they're engaged in voluntary um negotiations
Keywords: 928, house, all
Summary: The committee held a work session on HB 302, which would add precious metals and digital assets as potential investment options. State Treasurer Monica Misipelli said she took no position on the bill and did not see an immediate fiscal impact or operational problem, but explained that the state’s operating funds and rainy day fund require liquidity and stability, so they would not be suitable for volatile assets like precious metals or digital assets. She said the only funds that might potentially use such investments would be certain trust funds held in perpetuity, which are managed by an outside investment advisor under a contract and investment policy. Members asked about the treasurer’s current investment practices, including the types of funds managed, the role and discretion of the investment advisor, the state’s risk profile, and whether the bill would affect existing authority. Misipelli said the office follows RSA 11 and related statutes, with different objectives ranging from conservative to aggressive depending on the fund, and that the advisor meets with the office regularly, with formal performance reviews on a quarterly basis. She also said the office recently centralized management of about 40 trust accounts totaling roughly $60 million into five combined portfolios under a five-year contract with an RFP-selected vendor. When asked whether precious metals or digital assets are already indirectly available through mutual funds, she said that was possible for some mutual funds, but she was not certain about digital assets. Representative Ammon, the bill’s sponsor, said similar legislation had passed the Oklahoma House, the Texas House and Senate, and had advanced in Arizona. He argued the bill was intended to give the treasurer more tools to help balance portfolios and hedge inflation, noting concerns about federal debt and inflation. No vote was taken in the excerpt, and the chair ended the questioning after thanking the treasurer and asking her to remain available in case further questions arose.
WY

Wyoming 2026 Regular Session

Senate Judiciary Committee, February 26, 2026

Judiciary

Transcript Highlights:
  • anyone from voluntary association. anyone from voluntary association.
  • it's all voluntary. it's all voluntary.
  • Don't make taxpayers subsidize the process.
  • Don't make taxpayers subsidize the process.
  • Don't make taxpayers subsidize the process.
Bills: HB0083, HB0102, HB0178
MN

Minnesota 2025-2026 Regular Session

House Energy Finance and Policy Committee 2/18/25

Energy Finance and Policy

Transcript Highlights:
  • <00:10:13.760> um think that in our committee process um think that in our committee process
  • We have a very open and transparent stakeholder process.
  • We have a very open and transparent stakeholder process.
  • We have a very open and transparent stakeholder process.
  • change anything in the state process change anything in the state process because<00:57:13.319><
Bills: HF75
NH

New Hampshire 2025 Regular Session

House Finance Division I (03/11/2025)

Transcript Highlights:
  • voluntary Market insurance carriers<00:16:08.440> or<00:16:08.639> your<00:16:08.880><
  • It's an annual process. Eligibility has to be determined at some point after September 1st.
  • where they get through this process where they get mailed<00:38:24.000> around<00:38:24.280><
  • inv what is that decline to process inv what is that again<00:42:05.920> is<00:42:06.040>
  • should save money streamline the process should save money and<00:43:02.440> and<00:43:02.800
Keywords: 928, house, all
Summary: The committee first discussed a proposed increase to the annual elevator certificate fee in the Department of Labor. The commissioner said the fee had been $50 for years and generated just under $300,000 annually, while the Inspection Division’s broader revenue far exceeded its expenses. Members noted the fee only covered the certificate, not the inspection itself, which is billed separately at $100 per hour. After comparing the fee to neighboring states and discussing the department’s revenue and staffing, the committee agreed to rewrite the language to set the fee at $75 and to vote on an amendment later. The committee then took up Section 139, which would expand the list of labor-law violations that can be penalized without first issuing a warning. The Department explained the change was meant to align House Bill 157 with other chapters, including youth employment and workers’ compensation provisions, where immediate civil penalties are already allowed. The section was accepted unanimously. A longer discussion followed on the Second Injury Fund. The commissioner explained that the fund reimburses insurers for certain workers’ compensation costs tied to claims involving pre-existing conditions, is financed by assessments on insurers, and requires notice within 100 weeks of injury plus a $10,000 deductible before reimbursement. He said the fund currently holds roughly $16 million to $22 million, one full-time employee administers it, and total staff involvement is about five to six people. Members questioned whether the fund should be sunset, but the department said the current House Bill 2 language does not propose a sunset; instead, it addresses increased hearing and litigation burdens after a recent Supreme Court decision. Sections 140 and 141, dealing with hearings, were then accepted unanimously. The committee also briefly discussed fines for late insurance coverage reporting, with the department noting the current rubric allows up to $50 per day but uses $112 per day, and members suggesting a lower amount.
MN

Minnesota 2025-2026 Regular Session

Senate Floor Session - 04/27/26

Minnesota Senate Floor Meeting

Transcript Highlights:
  • <00:27:59.520> is had made sure that that the process is had made sure that that the process
  • process has to happen. process has to happen.
  • Can you give clarity who did what is this process? Who determines the process?
  • on line 2.6 where you say the process. on line 2.6 where you say the process.
  • Who determines the this process? Who determines the process? process? process?
Keywords: 1187, senate, all
WA
Transcript Highlights:
  • So there was a lot of thought process.
  • It was a multiple-month planning process that we took part in and was really well thought out.
  • So there was a lot of thought process.
  • It was a multiple month planning, was a lot of thought process.
  • It was a multiple month planning process that we took part in and was really well thought out.
Summary: The committee heard a work session on earthquake insurance, beginning with background from the Office of the Insurance Commissioner. OIC staff explained that earthquake and earth movement are generally excluded from standard property policies, that earthquake coverage is usually purchased through endorsements or standalone policies with high deductibles and relatively high premiums, and that surplus lines are a limited backstop market not covered by the state guarantee fund. They also described parametric insurance and captive insurance as more specialized products generally suited to commercial or governmental buyers rather than ordinary consumers. A second panel of insurance and banking experts focused on commercial earthquake exposure, especially for older buildings, collateralized loans, and potential knock-on effects to banks and consumers if a major quake caused widespread damage. Members asked about consumer impacts, mitigation incentives, inventories of vulnerable buildings, and whether legislation such as prior work on unreinforced masonry could help reduce risk. The Washington Bankers Association said earthquake insurance is expensive and that affordability is a major concern, while also noting banks participate in disaster-recovery planning and would be affected by major regional losses. No votes or formal actions were taken. The committee then received a presentation from the Washington State Institute for Public Policy on its cannabis and Initiative 502 research. WSIPP staff described the agency as a nonpartisan research institute that conducts legislative-directed studies and explained that its long-term I-502 assignment includes periodic reports leading to a final benefit-cost evaluation in 2032. Staff summarized findings from a 2023 report showing that cannabis possession convictions fell sharply after legalization, though some racial disproportionalities persisted, and that closer retail access was associated with higher reported adult cannabis use, more fatal traffic crashes involving drivers from nearby areas, and higher rates of cannabis use disorder diagnoses among Medicaid enrollees. A 2023 youth-focused report found that students attending schools near retailers were more likely to report cannabis use, had more unexcused absences, and were less likely to graduate on time. In the newest 2025 Medicaid study, staff said retail access was associated with higher probabilities of cannabis use disorder diagnoses, related hospitalizations, inpatient treatment, and co-occurring mental health diagnoses, with event-study analysis suggesting the increases appeared after retailers opened rather than before. Members asked about racial disproportionality, the meaning of cannabis use disorder diagnoses, THC and impairment, whether the findings reflected medical versus recreational use, and how the results should be interpreted in light of broader trends and data limitations. No formal committee action was taken.