Transcript Highlights:

• I strongly oppose HB 190, and so while this bill turns zoning enforcement into a fast-track foreclosure
• So allowing private entities to initiate foreclosure creates a dangerous profit incentive and repeats
• foreclosure does not promote compliance. foreclosure does not promote compliance.
• So allowing private entities to initiate<01:57:40.560> foreclosure<01:57:41.599> creates
• foreclosure creates a dangerous profit<01:57:42.800> incentive<01:57:43.360> and<01:57

Bills: HB1527, HB1823, HB2490, HB2223, HB2325, HB2104, HB2593, HB2592, HB1927, HB1553, HB1964, HB1918, HB1990

Keywords: gambling prohibition, Aloha Stadium, University of Hawaii, amateur athletics, state lands, coastal resilience, Maui, Mantokuji Bay, coastal erosion, environmental protection, Native Hawaiian, spiritual sites, historic preservation, economic development, burial sites, Department of Hawaiian Home Lands, cultural history, archaeology, Hawaii Revised Statutes, civil service

Summary: The committee first heard HB 1527 relating to gambling. The chair outlined hearing rules, including a two-minute limit and a warning that bills not heard would die. Testimony was overwhelmingly in support from a prosecutor, Honolulu Police Department, and Stop Predatory Gambling, all arguing that casinos and sports betting increase crime, sex trafficking, harassment of athletes, and broader social harm. No opposition testimony was presented, and the committee moved on without questions or action taken on the bill. The committee then heard HB 1823 relating to coastal zone management and HB 2490 relating to coastal resilience. For HB 1823, DLNR, the Office of Planning, and Maui County testified, with Maui County supporting the measure and its proposed amendments. For HB 2490, DLNR expressed concern about exempting a proposed Mokuji Bay pilot project from permits and regulation before a long-term plan is finalized, while the County of Maui, the Mokuji Soto Zen Mission, and the Office of Planning supported the bill as a coastal resilience pilot. The mission described severe erosion, sea-level rise impacts, and years of unsuccessful efforts to stabilize the shoreline; its consultant said the study is leaning toward nature-based and hybrid solutions. In questioning, members and DLNR discussed whether the bill should say the project “shall” or “may” be exempt, and the chair indicated the language would be adjusted to preserve DLNR discretion and to change the lead agency reference to OPSD. No vote was taken in the transcript. Finally, the committee took up HB 2223 relating to historic preservation reviews. SHPD said it stood on its written comments, while OPSD and DHHL supported the bill. DHHL argued the measure would streamline reviews, improve transparency, and help address long wait times for its projects, saying it could alleviate burden on SHPD and better serve beneficiaries. Representative Shimizu questioned whether the bill would create redundancy and expand government rather than strengthen SHPD, noting a separate staffing bill already exists. SHPD responded that DHHL is uniquely subject to 6E review and that the bill would not waive federal or state historic review requirements; the discussion also touched on possible federal-style grant support and the existing memorandum of agreement between SHPD and DHHL. The transcript ends during questioning, with no final committee action shown.

Transcript Highlights:

• in pre-foreclosure mediation with homeowners to explore alternatives to foreclosure.
• in pre-foreclosure mediation with homeowners to explore alternatives to foreclosure.
• So many of the homeowners who come to our meetings with foreclosure issues have ...foreclosure.
• Today, I'm working on a foreclosure to unwind a foreclosure where a, what we call a zombie second mortgage
• , let alone a series of foreclosures can have. that even one foreclosure, let alone a series of foreclosures

Keywords: 995, all

Summary: The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens. A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first. The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.

Transcript Highlights:

• sale applies in judicial foreclosures as well as foreclosures of advertisement.
• foreclosure sale applies in two specific foreclosure sale applies in two specific circumstances<00:27
• foreclosures of advertisement. foreclosures of advertisement.
• new subsequent foreclosure. new subsequent foreclosure.
• subsequent foreclosure. subsequent foreclosure.

Keywords: 1187, senate, all

Transcript Highlights:

• If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
• If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
• If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
• If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
• If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure

Keywords: 1183, house

Transcript Highlights:

• going through with foreclosure.
• So the properties will be posted for foreclosure. or when owners don't pay, and it's a long process.
• And foreclosure really is a remedy of last resort. It's rarely. We rarely have to foreclose.
• Thank You madam chair, you know, I'm not so much concerned about the actual foreclosure.
• I don't think an HOA should be able to go forward with a foreclosure. action for $2,500.

Bills: HB406

Keywords: local economic development, notification, workforce development, municipal agreements, county contracts, 1184, house, all

Transcript Highlights:

• Chapter 580 of our code governs foreclosures by advertisement and the foreclosure sales resulting from
• foreclosures by advertisement.
• A lot of these foreclosure speculators and the way it works in these foreclosure situations is if there's
• Chapter 580 of our code governs foreclosures by advertisement and the foreclosure sales resulting from
• foreclosures by advertisement.

Keywords: 1187, senate, all

Transcript Highlights:

• applies in judicial foreclosures. applies in judicial foreclosures.
• residential foreclosures are Most residential foreclosures are conducted<01:27:07.199> by<01:
• that court decision, most foreclosures that court decision, most foreclosures are<01:27:25.280><
• Minnesota has a robust foreclosure.
• :40.400> and foreclosure prevention program and foreclosure prevention program and housing<01:

Keywords: 1187, senate, all

Transcript Highlights:

• And I know you don't want to prevent foreclosure.
• Maybe this buys you a little time before you get the foreclosure notice for the bad actors.
• I got a foreclosure notice with 30 days' notice for $56.
• <01:25:22.880> piece<01:25:23.239> in about the Foreclosure piece in about the Foreclosure
• or they will proceed re a foreclosure or they will proceed re a foreclosure number<01:31:25.080>

Keywords: 1183, house

Transcript Highlights:

• Within the bill, we delineate, discuss, and clarify extended timeframes for foreclosure sales.
• The bill regards electronic foreclosure sales authorization.
• Remaining funds after a foreclosure sale must be properly distributed by the county clerk.
• I'm not talking about foreclosure.
• Are we talking about foreclosures or are we talking about probate?

Summary: The Appropriations Committee on Criminal and Civil Justice met with a quorum and first approved SPB 7014, which terminates the state court system’s mediation and arbitration trust fund; staff noted the fund has no current balance and that filing fees were already redirected in 2011. The bill was reported favorably as a committee bill without objection. The committee then took up CS/SB 48 on alternative judicial procedures for foreclosure sales. Senator Garcia described it as a response to reported abuses in Miami-Dade County, adding longer sale timeframes, stronger notice requirements, rules for alternative sale methods, online auction authorization, and consumer protections for surplus funds. After adopting a technical amendment, members raised concerns about whether the bill was codifying a process they believed should remain with clerks of court and about the new online auction provisions; Senator Garcia ultimately moved to temporarily postpone the bill. Members also approved CS/SB 322, creating a nonjudicial process for sheriffs to remove unauthorized persons from commercial property, and CS/SB 138, which revises DUI-related language from “intoxicating” to “impairing” and allows judicial circuits to create DUI diversion programs. CS/SB 138 drew opposition from some members and testimony from cannabis advocates and defense lawyers who argued the catch-all language was too broad and could sweep in lawful medications or create testing and expungement issues, but it still passed. The committee further reported favorably SB 130 on wrongful incarceration compensation, extending filing deadlines and removing restrictive bars to compensation, and SB 234, which strengthens penalties for violent resistance against law enforcement officers and clarifies that such resistance can lead to life imprisonment if it results in an officer’s death. Both bills received supportive testimony, though SB 234 also drew concerns from defense lawyers about removing language tied to lawful duty and good faith; the sponsor said the bill preserves defenses while focusing on violent resistance. The meeting then adjourned.

Transcript Highlights:

• WITHIN THE BILL WE DELINEATE, DISCUSS AND CLARIFY EXTENDED TIME FRAMES FOR FORECLOSURE SALES.
• COURTS MUST SCHEDULE PUBLIC FORECLOSURES SCALES BETWEEN 45 AND 60 DAYS AFTER FINAL JUDGMENT EXPANDING
• THE BILL REGARDS SALE AUTHORIZATION, COUNTY CLERKS CAN CONDUCT FORECLOSURE AUCTIONS ONLINE INCLUDING
• Ingoglia: NOW I'M TOTALLY CONFUSED, ARE WE TALKING ABOUT FORECLOSURES OR PROBATE?
• ON THE FORECLOSURE ISSUE I AGREE HOUSES SHOULD NEVER HAVE BEEN SOLD >> LET'S KEEP THEM SEPARATE.

Keywords: 999, senate, all

Transcript Highlights:

• c> track pre-foreclosure notices because track pre-foreclosure notices because they<00:57:20.880>
• <00:58:00.200> crisis We are not in a foreclosure crisis We are not in a foreclosure crisis
• ,<00:58:59.280> housing prevent avoidable foreclosure, housing prevent avoidable foreclosure
• , HOA community, I too faced foreclosure, HOA community, I too faced foreclosure, not<01:00:10.480
• And that the foreclosure prevention.

Bills: HF3279, HF1879, HF1417, HF2462

Keywords: housing, sales tax, homeownership, rent assistance, community stability, education, counseling, financial assistance, housing development, culturally appropriate services, HF1417, manufactured home parks, manufactured housing, mobile home parks, housing development fund, Minnesota Housing Finance Agency, MHFA, infrastructure grants, infrastructure loans, affordable housing

Transcript Highlights:

• <02:44:20.560> are attorney's fees for foreclosure are attorney's fees for foreclosure are
• 582.01 which is the mortgage foreclosure 582.01 which is the mortgage foreclosure statute<02:44:
• association to that mortgage foreclosure association to that mortgage foreclosure statute.<03:12
• overarching cap on a foreclosure overarching cap on a foreclosure foreclosure<03:15:28.880> by
• be getting more foreclosures by action. be getting more foreclosures by action.

Keywords: 1187, senate, all

Transcript Highlights:

• Foreclosure advisers we support see similar patterns across the state.
• In the end, 10 homeowners, all Black, were put into foreclosure proceedings.
• In the end, 10 homeowners, all Black, were put into foreclosure proceedings.
• Neighbors were put foreclosure filings.
• losing their homes through foreclosure losing their homes through foreclosure because<01:19:20.640

Keywords: 919, house, all

Summary: The committee took up Senate File 1750, an HOA/common interest community reform bill, and first adopted the DE9 amendment after the chair moved it to put the bill in the form the author wanted. The bill was described by supporters as a consumer and homeowner protection measure intended to add transparency, dispute-resolution rights, conflict-of-interest rules, and limits on fees and late charges in Minnesota HOAs, which supporters said have grown rapidly and are not adequately covered by current law. Supporters, including legal aid, the Minnesota Home Ownership Center, and Twin Cities Habitat for Humanity, said the bill responds to longstanding complaints about HOA abuse, lack of transparency, escalating attorney fees, foreclosure-related problems, and management-company conflicts of interest. They argued the revised bill reflects extensive stakeholder work and would help homeowners resolve disputes without costly escalation while improving fairness and accountability. Opponents, including attorneys and representatives of HOA management interests, argued the bill is too rigid and one-size-fits-all, would raise costs for all homeowners, and could make associations harder to govern. They said fee caps, contract restrictions, procurement mandates, and dispute procedures would increase assessments, reduce flexibility, discourage board service, and create more legal and administrative burden, especially for smaller or financially strained communities. No final vote on the bill itself was taken in the portion provided; the bill was laid over for possible inclusion.

Transcript Highlights:

• The amendment strengthens Florida's judicial sales and foreclosure procedures by enhancing transparency
• So 99% of the foreclosure proceedings are going to continue the same way, except for that 1% occasionally
• Unregulated alternatives that we have seen down in the Miami-Dade County area with regards to foreclosure
• The amendment does not extend any time periods for foreclosure and thereby preserves existing creditor
• Foreclosure sales. So for that, I would appreciate your favorable support. Thank you. Thank you.

Summary: The Appropriations Committee on Criminal and Civil Justice met to review its proposed fiscal year 2025-2026 budget, totaling about $7.6 billion. The chair highlighted funding for the Department of Corrections, including health services, food inflation, and prison population growth; the Department of Juvenile Justice for residential beds and higher food/medical costs; FDLE for a law enforcement apprenticeship program and officer wellness services; justice administration for court-appointed attorney rates and VOCA shortfalls; major IT projects; and court operations, including funding for 29 new judges. Members asked about where the new judgeships would go and whether staffing would accompany them, and staff said the judge positions would be listed later in a conforming bill and that associated court staff were included, but not additional state attorney or public defender staffing. Several members also asked whether the budget addressed pay and staffing shortages in state attorneys’ and public defenders’ offices, and staff said those decisions had not yet been finalized. The committee then heard public testimony from several speakers who urged more funding for prison safety, medical care, and oversight. Speakers described personal experiences involving deaths or serious harm in correctional facilities and jails, alleging inadequate medical treatment, excessive force, isolation, and failures to investigate. One speaker said her son died after being beaten and denied timely medical care in a correctional facility; another said her son was not receiving adequate health care at Charlotte Correctional; and another described her brother’s death in the Marion County Jail after repeated tasing and pepper spraying. The committee adopted a motion allowing staff to make technical adjustments and then approved the committee’s budget proposal as a recommendation to the full Senate Appropriations Committee. The committee also took up CS for CS SB 48 on alternative judicial procedures and foreclosure sales. Senator Garcia offered an amendment to standardize judicial sales, increase transparency, limit preferences in bidding, preserve public notice requirements, restrict plaintiff credit bids to the amount of the judgment unless a deposit is posted, and prevent deviations from statutory timelines and procedures from being hidden in court orders. Garcia said the bill was intended to close loopholes and protect homeowners, especially condominium owners, from unfair foreclosure practices. A representative for Auction.com said similar laws have been used in other states and offered to provide data. After debate, the amendment was adopted, and the bill passed the committee favorably on a roll call vote.

Transcript Highlights:

• He warned that homeowners could lose their homes to foreclosure because maintenance fees and assessments
• <00:35:01.440> their<00:35:01.599> homes<00:35:01.839> to<00:35:02.079> foreclosure
• end up losing their homes to foreclosure end up losing their homes to foreclosure because<00:35:
• their properties to um to sales or lose their properties to um to sales or to<00:35:21.800> foreclosure
• so I ask that you do more to foreclosure so I ask that you do more when<00:35:24.119> you<00:

Keywords: 910, house, all

Summary: The Committee on Consumer Protection and Commerce met on March 12, 2025, and heard testimony on several bills, with most measures drawing support from state boards, agencies, and industry groups. SB 102 (restaurants) had one supportive testifier and no questions. SB 1367 SD1 (installment loans) drew support from DCCA and other boards, but the chair raised concerns about a proposed $5 debit-card convenience fee, saying it seemed high and suggesting it might be amended downward; DCCA said it would check with industry on the likely impact. SB 1373 SD2 (administrative licensure action against sex offenders) received broad support from DCCA and multiple professional licensing boards, including psychology, physical therapy, naturopathic medicine, chiropractic, dentistry, massage therapy, nursing, optometry, barbering and cosmetology, the Hawaii Medical Board, and HPD. The committee then heard SB 1142 SD1 (insurance proceeds), which was supported by DCCA, the Council for Native Hawaiian Advancement, AARP, Hawaiʻi Realtors, and the Hawaiʻi Insurers Council, while State Farm offered comments and the Hawaii Bankers Association opposed. Testimony focused on insurance access after the Lahaina wildfires and the need to address underinsured homeowners. The committee also discussed SB 144 SD2 (stabilization of property insurance), with support from the Hawaii Green Infrastructure Authority, AARP, Hawaiʻi Realtors, and the Hawaiʻi Insurers Council, and comments from the Attorney General and DCCA Insurance Division about revising the financing structure and correcting bill language. Opponents and reservationed supporters argued the bill may not help if applicants can still obtain coverage at very high prices, while supporters said it would expand market capacity and provide a safety net as climate-related losses continue. Finally, SB 253 SD2 (condominium reserves) received support from Hawaiʻi Realtors, CI, and several individual testifiers. Supporters said it would enforce existing disclosure requirements under Act 199 and improve reserve funding transparency, while one individual argued stronger enforcement and an ombudsman-style office would be more effective. The chair reminded testifiers to stay on the bill at hand. No votes or final committee actions were taken during the portion of the meeting reflected in the transcript.

Transcript Highlights:

• mortgage foreclosure lawsuits involving the<00:10:38.480> group's<00:10:38.800> financial<
• in uh the real estate foreclosure in uh the real estate foreclosure matters.<00:22:34.720> Senator
• series of real estate foreclosure series of real estate foreclosure actions<00:32:56.080> in<
• to the foreclosure actions and the<00:40:22.640> proposed<00:40:23.040> legislation<00
• in the mortgage foreclosure process? in the mortgage foreclosure process?

Keywords: 1187, senate, all

Transcript Highlights:

• House File 3479, an act relating to mortgage foreclosures. The second engrossment.
• their homes from foreclosure by allowing them to postpone the mortgage sale.
• I hope to earn your green vote on this bill. foreclosure by allowing them to postpone foreclosure by
• to save their homes from foreclosure. to save their homes from foreclosure.
• <00:35:41.599> So foreclosure dies before the sale. So foreclosure dies before the sale.

Keywords: 1183, house

Summary: The House convened with prayer, the Pledge of Allegiance, a roll call establishing a quorum, and approval of the previous day’s journal. The body then moved through routine business including committee reports, second readings, first readings of a large batch of House files, and receipt of Senate File 3958 for comparison with a House companion. Several noncontroversial motions were adopted without objection, including referral and re-referral motions later in the day. The chamber then took up a series of bills, many of them veterans, commerce, mortgage, liquor, elections, and financial institutions measures. House File 3544, a veterans housekeeping bill updating state law to conform with federal standards and clarifying benefit forfeiture language, passed 133-0. House File 3467, authorizing MDVA to use nonmonetary support to collaborate on veteran services such as food insecurity, homelessness, and suicide prevention, also passed 133-0. House File 3437, clarifying that certain mortgage lending protections apply to consumer home loans rather than commercial loans, passed 133-0. House File 3479, clarifying homeowners’ rights to postpone foreclosure sales in several edge cases, passed 128-5. The annual liquor bill, Senate File 2511, drew the most discussion. Members described provisions addressing the so-called “Granny Happy Hour” in senior facilities, University of Minnesota liquor-related flexibility, and other local liquor-law changes. An author’s amendment was adopted, and the bill passed 129-1. House File 4118, allowing state-chartered credit unions to use private deposit share insurance subject to state oversight, passed 131-2. House File 4241, a local government/elections omnibus addressing disclosure rules, Hennepin County medical examiner appointment procedures, and Rochester School Board election structure, passed 124-9. House File 3699, changing a license plate contest to feature the Lake Superior agate and requiring a Minnesota artist, passed 110-22. Later, the House adopted motions to send House File 4668, an Explore Minnesota film tax credit bill, and House File 4319, a Lake City port authority bill affecting local taxing authority, to the Taxes Committee. The chamber also approved a motion to recall House File 1234, the payment transparency bill, from Ways and Means and place it on the General Register after a zero-cost fiscal note was reported.

Transcript Highlights:

• It deals with real property and foreclosures.
• It requires that the postponement of a foreclosure sale that is allowed in foreclosures by advertisement
• , which are sometimes called administrative foreclosures, be applied in the same manner as foreclosures
• ,<00:14:49.680> be called administrative foreclosures, be called administrative foreclosures
• by action, which are foreclosures by action, which are foreclosures<00:14:54.320> that<00:14:

Bills: HF2300

Keywords: 1183, house

Transcript Highlights:

• EXCUSE ME ONE SECOND. 99 PERCENT OF THE FORECLOSURE PROCEEDINGS WILL CONTINUE THE SAME WAY EXCEPT THAT
• THE UNREGULATED ALTERNATIVES THAT WE HAVE SEEN DOWN IN THE MIAMI DADE COUNTY AREA WITH REGARD TO FORECLOSURE
• DEVIATION FROM THE TEN DAY TIME LIMIT FOR OBJECTION OF THE SALE AND DOES NOT EXTEND ANY TIME FOR FORECLOSURE
• I THINK IT WILL BENEFIT MANY PEOPLE WHO ARE IN A BAD POSITION TO BEGIN WITH THAT ARE IN FORECLOSURE AND
• ALSO IMPROVING EFFICIENCIES OVER ALL WITH FORECLOSURE SALES.

Keywords: 999, senate, all

Transcript Highlights:

• We'll move on to SB 332 relating to foreclosures.
• <00:26:45.799> moratorium out from the Foreclosure moratorium out from the Foreclosure moratorium
• ground is bracing for a foreclosure ground is bracing for a foreclosure crisis<00:26:51.960>
• <00:27:22.720> and family on the verge of foreclosure and family on the verge of foreclosure
• The next measure is SB 332, relating to foreclosures.

Keywords: 912, senate, all

Summary: The Senate Commerce and Consumer Protection Committee held its first hearing of the 2025 session and reviewed several measures. SB 102 would restrict third-party restaurant reservation services from listing or selling reservations without a written agreement from the restaurant; the Attorney General recommended amendments to strengthen the bill against First Amendment and Contracts Clause challenges, and the Hawaii Restaurant Association strongly supported it, saying restaurants should control who represents them. The committee also heard SB 137 on electric utility mergers and acquisitions, with support from Ulupono Initiative and IBW Local 1260. Supporters said the bill would preserve state policy protections, including renewable energy and rate-making goals, and protect workers; IBW also suggested amendments, including a severability clause. The committee discussed a possible alternative approach from the PUC involving solicitation of bids from non-investor-owned utilities, and Ulupono said it would consider that idea but was concerned about preserving time for co-op formation. Members then heard SB 142, which would require insurers paying claims by check to send them by certified mail with restricted delivery and return receipt. The Insurance Division stood on its written testimony, while the Hawaiian Insurers Council, State Farm, NAMIC, and the American Property Casualty Insurance Association opposed the bill. A senator questioned whether the measure was too prescriptive and could create problems for claimants displaced by disasters; the response was that insurers and claimants usually remain in contact and that other payment methods may already be available depending on the carrier. SB 157 would ban algorithmic price setting in Hawaii’s rental market and require a public education program; the committee noted written testimony in support and comment, but no oral testimony was taken before moving on. SB 158 would create a state-owned bank implementation board within DCCA; DCCA’s financial institutions division, the Budget and Finance Department, and the Legislative Reference Bureau submitted comments, while the Hawaii Bankers Association opposed and the Hawaii Credit Union League commented. The committee also heard SB 318, which would require DCCA to adopt privacy rules for direct-to-consumer genetic testing and specify whether genetic information may be used for investigative genetic genealogy. The Office of Consumer Protection and Andrew Crossland opposed the bill, saying federal law and existing state protections already cover much of the area and that rulemaking would be a better way to address it; members raised concerns about federal changes and the need for state protections, but OCP said the bill was not the best approach. SB 332 would prohibit bundling foreclosed homes at public sale and delay finality of sales; L. Strong and written testimony supported it, citing Lahaina’s post-fire foreclosure risks and warning of investors profiting from the disaster. The final measure, SB 525, would require written notice and consent before mortuaries, cemeteries, or pre-need funeral authorities sell or recycle precious metals recovered after cremation. DCCA’s consumer protection and licensing divisions offered comments, while the Hawaii Funeral and Cemetery Association opposed the bill, saying it was surprised by the measure and was unaware of current consumer problems in the industry.