Video & Transcript : 'lender cap' :

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WA

Washington 2025-2026 Regular Session

Senate Ways & Means Feb 9th, 2026

Transcript Highlights:
  • Gildon, makes the act null and void unless a constitutional amendment is approved by December of 2026, capping
  • There is one proposed substitute by Senator Conway, which caps the total amount of the monthly benefit
  • Legislature regarding non-cost allowance allocation to emissions-intensive trade-exposed facilities in the cap-and-invest
  • removes a requirement that loans and mortgage loans issued by the commission must go through a mortgage lender
Summary: The Ways and Means Committee met in executive session on February 9, 2026, first hearing a staff briefing on Senate Bill 6346, which would impose a tax on individuals earning over $1 million. Staff described the bill’s revenue and spending impacts and reviewed a proposed substitute and 11 amendments addressing items such as public defense funding, charitable deductions, out-of-state tax credits, small business credits, diapers, constitutional issues, and a contingent constitutional amendment. The committee later took up the bill and rejected all of the offered amendments, then advanced the substitute bill with a due pass recommendation to the Rules Committee. Members supporting the bill argued it would help address tax fairness and fund public services, while opponents raised concerns about constitutionality, economic harm, and the effect on businesses and charitable giving. The committee also acted on a series of policy bills. It advanced a substitute bill on grocery store closures in food deserts after adopting a narrower substitute, despite concerns from some members about burdening grocers. It approved a substitute bill expanding voting access for military, overseas, Native American, and disabled voters, adopting a second substitute that removed a cybersecurity review requirement. The committee also advanced bills on tort claim arbitration against governments, victim and witness protections in sexual assault and domestic violence cases, JLARC review of student aid fraud, agricultural collective bargaining, labor relations if federal preemption ends, a cost-of-living adjustment for Plan 1 retirees, workers’ compensation and medical care access, line-of-duty death reimbursements, law enforcement background checks and eligibility, veterans’ discharge definitions, and extraordinary medical placement. Several of these bills had amendments adopted, including changes to tort claim oversight, victim-requested standby counsel, agricultural labor definitions, workers’ compensation penalties, law enforcement volunteer support, and extraordinary medical placement criteria. In the second group of bills, staff briefed measures affecting property taxes, housing, cannabis, disaster-related tax relief, technical tax code changes, aircraft fuel tax revenues, the estate tax, and a pesticide tax exemption. The committee heard that a substitute for the fire protection district bill would alter how city or town levy capacity is reduced and include consultation requirements and board-creation provisions. It also heard that the property tax relief expansion for seniors and disabled retirees needed a substitute to make the consolidated school levy revenue-neutral. Other bills would expand tax exemptions for low-income housing and nonprofit homeownership, authorize local cannabis excise taxes, extend disaster repair tax relief, expand housing-related local sales tax uses, make technical tax code changes, redirect aircraft fuel tax revenues to aeronautics, reduce the estate tax rate, and extend a pesticide tax exemption. The transcript ends during the committee’s consideration of Senate Bill 6346, with the committee debating and rejecting amendments before moving the bill forward.
MO

Missouri 2026 Regular Session

Special Committee on Property Tax Reform Feb 10th, 2026

Special Committee on Property Tax Reform

Transcript Highlights:
  • But I don't put a cap on spending and then say, 'Give everything back.'
  • But talking to lenders, when this bill came up on the floor, that's what led me to file this and sit
Summary: The committee heard extensive testimony on House Bill 2651, a broad property tax reform bill sponsored by Representative Burns. Burns said the bill is intended to close perceived loopholes in the Hancock Amendment, including moving tax-related elections to November, eliminating the new-construction exclusion, allowing multiple subclass rates, and preventing counties from opting out of multiple levies. Supporters argued the bill would better protect homeowners from large tax increases, while opponents and several members raised concerns about the loss of local control, the impact on growing communities, and whether the proposal was revenue neutral. No vote was taken; the bill remained in public testimony. The committee then heard House Bill 2944, which would change Missouri’s senior homestead property tax relief so eligible seniors would only have to apply once instead of annually. Representative Billington said the current yearly paperwork burdens older residents on fixed incomes and can contribute to them losing their homes. Some members supported simplifying the process, but others and the Missouri Association of Counties opposed the bill as written, arguing annual recertification helps ensure only eligible taxpayers receive the credit and that counties need a way to verify continued eligibility. Questions also focused on how to handle deaths, moves, and possible recapture of improperly granted credits. No action was taken. Finally, the committee heard House Bill 1786/2060, a joint short-term rental property tax classification proposal from Representatives Brown and Vernetti. The sponsors argued that single-family homes used as short-term rentals should remain classified as residential, not commercial, and said some assessors have reclassified them in a way that sharply raises taxes. They cited case law and IRS treatment to support their position and said the bill would protect homeowners and local tourism economies. The Missouri Hotel Lodging Association opposed the measure, saying short-term rentals used as a business should be taxed accordingly, while the Missouri Realtors supported it. Testimony highlighted concerns about local control, the effect on housing availability, and whether short-term rentals should be treated differently based on frequency of use. No vote was taken on this bill either.
CA
Transcript Highlights:
  • its programs, it could push some cities in Monterey County close to or even over the state-imposed 2% cap
  • Habitat is uniquely positioned because we're a builder, a developer, and a mortgage lender, and the best
Summary: The committee heard a long agenda focused heavily on housing, local government, Brown Act teleconferencing, and public agency administration. Early bills included AB 39, which would require larger cities and counties to adopt electrification planning for EV charging and building decarbonization; AB 76, which clarifies Chula Vista’s university innovation district housing requirements; AB 259, AB 409, and AB 467, which extend or modernize Brown Act teleconferencing provisions for local agencies, community college student bodies, and Los Angeles neighborhood councils; and AB 428, which would let water corporations join joint powers authorities for pooled insurance. Supporters emphasized climate planning, housing access, public participation, safety, and cost savings, while several bills were amended to address stakeholder concerns. Most of these measures advanced on bipartisan votes, generally 6-1 or 7-0, and were left open for additional members to add on later. The committee also heard AB 632, which would strengthen local enforcement tools for serious code violations, fire hazards, illegal cannabis operations, and unsafe housing by allowing unpaid administrative fines to be converted into money judgments and liens. Local government and code enforcement groups supported the bill as a way to improve compliance and reduce costly litigation. AB 670 would let local governments count investments in preserving naturally occurring affordable housing toward housing element reporting and require broader reporting of demolitions and replacement housing compliance; supporters argued preservation is essential because many unsubsidized affordable homes are at risk. AB 761 would allow Monterey-Salinas Transit to place a future sales tax measure on the ballot with approval from two-thirds of its board, rather than separate approval from each member jurisdiction, to preserve transit funding for seniors, veterans, and people with disabilities. These measures also moved forward, with the committee noting amendments and sending them to the next committees of referral. Another major item was AB 810, which would require special districts and joint powers authorities to migrate public-facing websites and email addresses to .gov or CA.gov domains by 2031. The author argued the change would reduce fraud and improve public trust, especially after emergency-related scams, while opponents from special districts and IT organizations said the transition would be costly and difficult for smaller agencies. Several school-related opponents withdrew after amendments, and committee members discussed possible aliases and tribal-government language. The bill passed 7-1 to the Privacy and Consumer Protection Committee. Finally, AB 1206 proposed a pre-approved design catalog for single-family homes and small multifamily developments, modeled on a prior ADU bill, to speed rebuilding and reduce design costs; supporters from Habitat for Humanity and housing advocates said it would help both wildfire recovery and broader housing production, and the bill drew at least one opposed-unless-amended position as the committee moved into further discussion.
CA

California 2025-2026 Regular Session

Assembly Local Government Committee Apr 9th, 2025

Local Government

Transcript Highlights:
  • its programs, it could push some cities in Monterey County close to or even over the state-imposed 2% cap
  • Habitat is uniquely positioned because we're a builder, a developer, and a mortgage lender, and the best
Summary: The Assembly Local Government Committee heard a long agenda of bills, with testimony largely focused on housing, Brown Act teleconferencing, local government authority, transit funding, and cybersecurity. The chair opened by emphasizing in-person testimony rules and public order. AB 39, requiring larger cities and counties to plan for electrification and EV charging infrastructure, drew broad support from clean energy, utility, environmental, and local government groups and passed 7-0 to the Utilities and Energy Committee. AB 76, clarifying affordable housing requirements for Chula Vista’s University Innovation District, also passed, 6-1, to Housing and Community Development. The committee then approved several Brown Act-related bills extending or modernizing remote participation rules: AB 259 to extend AB 2449 teleconferencing flexibilities for local agency board members, AB 409 for community college student body associations, and AB 467 for Los Angeles neighborhood councils. Supporters said these measures improve participation, safety, and access; some members raised concerns about overuse and the need for physical quorum and screen-on requirements. All three measures advanced with committee support and were left open for additional members to add on. Other measures advanced included AB 428, allowing water corporations to join joint powers authorities for pooled insurance if it lowers rates or improves service; AB 1007, shortening the housing permit “shot clock” for responsible agencies from 90 to 45 days; AB 632, giving local governments an expedited way to collect penalties for serious code violations such as unsafe housing, fire hazards, and illegal cannabis operations; AB 670, allowing local governments to count preservation of existing affordable housing toward housing goals and requiring broader demolition reporting; AB 761, authorizing Monterey-Salinas Transit to place a sales tax measure before voters with board approval; and AB 810, requiring special districts and JPAs to migrate public websites and email to .gov or ca.gov domains by 2031. AB 810 drew the most opposition over cost and implementation concerns, but it still passed 7-1 after amendments removed school districts from the bill.
MN

Minnesota 2025-2026 Regular Session

House State Government Finance and Policy Committee 3/13/25

State Government Finance and Policy

Transcript Highlights:
  • have other statutory remedies, such as mechanics' liens, which then gets the owner involved and the lenders
  • have other statutory remedies, such as mechanics' liens, which then gets the owner involved and the lenders
  • have other statutory remedies, such as mechanics' liens, which then gets the owner involved and the lenders
  • have other statutory remedies, such as mechanics' liens, which then gets the owner involved and the lenders
  • have other statutory remedies, such as mechanics' liens, which then gets the owner involved and the lenders
Bills: HF1234 , HF1956 , HF1025 , HF1172 , HF791
MN

Minnesota 2025-2026 Regular Session

House Agriculture Finance and Policy Committee 4/9/25

Agriculture Finance and Policy

Transcript Highlights:
  • soon as he opens that container of chemical and pours some into his mixing apparatus and then puts a cap
  • and</c><00:40:56.560><c> then</c><00:40:56.800><c> puts</c><00:40:57.040><c> a</c><00:40:57.200><c> cap
  • </c><00:40:57.440><c> back</c><00:40:57.680><c> on</c> apparatus and then puts a cap back on apparatus
  • and then puts a cap back on the<00:40:58.079><c> jug,</c><00:40:58.960><c> he</c><00:40:59.200><c> can't
  • She was an ag lender in agriculture at a bank back in West Central Minnesota.
Bills: HF2446
MN

Minnesota 2025-2026 Regular Session

Housing Committee Meeting - 2025-04-08

Housing Finance and Policy

Transcript Highlights:
  • payment assistance will be available during their home search, and have the opportunity to choose the lender
TX

Texas 89th Regular

89th Legislative Session Mar 3rd, 2025

Texas House Floor Meeting

Transcript Highlights:
  • amendment to remove the requirement that a home equity loan may be closed. was only at the office of the lender
FL

Florida 2025 Regular Session

Community Affairs Feb 18th, 2025

Transcript Highlights:
  • I DO KINDA FIND SOMETHING THAT LED ME TO BELIEVE THE INTEREST RATES ARE HIGHER BECAUSE THE LENDER IS
CA

California 2025-2026 Regular Session

Assembly Natural Resources Committee Apr 21st, 2025

Natural Resources

Transcript Highlights:
  • It's called cap-and-trade.
  • It's called cap-and-trade.
  • We support cap and trade. There's a program.
  • California already has a very successful program, cap-and-trade.
  • And so I want to reiterate that what cap-and-trade, excuse me, AB 1243, do that cap-and-trade will not
Summary: The committee heard extensive testimony on AB 1243, the Polluters Pay Climate Superfund Act of 2025, which would direct CalEPA to identify major fossil fuel companies, study California’s climate damages, and assess fees on large polluters to fund resilience, recovery, and related projects. The author and supporters argued the bill would shift costs from taxpayers to the companies most responsible for climate harm, while dedicating funding to disadvantaged communities, home hardening, school resilience, clean energy, and jobs. Supporters included environmental justice groups, health advocates, youth activists, labor-aligned climate groups, and many individual witnesses who described climate impacts in their communities and urged polluters to pay. Opposition came primarily from the building trades, business groups, and petroleum-related organizations, who argued the bill would raise fuel and consumer costs, create uncertainty for business, and accelerate refinery closures and job losses. They said California already has cap-and-trade, which they described as a better tool for funding climate action and reducing emissions, and warned that retroactive liability for past emissions was legally and economically problematic. Committee members questioned both sides on consumer impacts, job effects, and whether cap-and-trade already addresses the problem. After discussion, the committee voted 6-1 to pass AB 1243 to the Judiciary Committee, with Assembly Member Ellis voting no and Assembly Member Muratsuchi not voting. The chair and members noted the bill would continue to be discussed, and the author closed by emphasizing the need to fund climate resilience while holding polluters accountable. The transcript then began a separate presentation on a wildfire mitigation bill, with the author introducing committee amendments and describing wildfire prevention and recovery needs, but that item was not completed in the excerpt.
MN

Minnesota 2025-2026 Regular Session

Committee on Human Services - 01/29/26

Human Services

Transcript Highlights:
  • What actions can be taken to restore lender confidence so providers can access short-term financing?
  • And then, of course, there was other options for predatory lenders that wanted weekly payments, you know
  • there was other options<01:33:08.639><c> for</c><01:33:08.880><c> predatory</c><01:33:09.440><c> lenders
  • </c><01:33:10.239><c> that</c> options for predatory lenders that options for predatory lenders that
  • And when you said predatory lenders, my goodness.
CA

California 2025-2026 Regular Session

Senate Judiciary Committee Apr 7th, 2026

Judiciary

Transcript Highlights:
  • provides the time necessary for park residents to secure funding from state and local programs and lenders
  • At this committee, one thing that folks need to know is that the Tenant Protection Act that caps rental
  • You can also have some of these, you know, kind of venture-cap private equity types that will come in
Committee: Senate Judiciary
Summary: The committee heard SB 934 by Senator Wiener, which would extend the statute of limitations for malpractice claims arising from conversion therapy and clarify how expert testimony and scientific evidence may be used in those cases. Supporters, including a survivor, a licensed therapist, and LGBTQ advocacy groups, described conversion therapy as harmful and argued survivors often cannot come forward within current filing deadlines. Opponents, including civil justice and conservative legal groups, argued the bill was a workaround to recent Supreme Court rulings and raised concerns about free speech, evidentiary standards, and whether the bill could chill legitimate therapy. Committee members largely focused on whether the bill was limited to conversion therapy malpractice claims and not broader gender-affirming care; the bill was moved on a 7-2-1 vote to Senate Appropriations and placed on call. The consent calendar was also adopted on a 6-0 vote and placed on call. The committee then heard SB 1092 by Senator Allen, a housing bill aimed at manufactured home parks. The bill would give residents or their designated representatives a right to make a competitive bid when a park owner intends to sell, lease, or transfer a park, with notice and response periods intended to give residents time to organize financing. Supporters said the measure would preserve naturally occurring affordable housing, especially for older and lower-income residents, and help resident-owned cooperatives or nonprofits buy parks before investor buyers do. Opponents from park owner and realtor groups argued the bill would burden private property rights, devalue parks, and create unconstitutional takings and litigation risk. Committee questions centered on the bill’s timelines, whether residents would have 120 days to express interest and another 120 days to close, and whether the purchase agreement would be binding if accepted. The author and supporters said the second period was needed for due diligence and financing, while opponents said the structure could still delay sales and reduce market value. Several members expressed support for the bill’s goal but asked for further clarification or possible tightening of the timing and good-faith provisions; no final vote on SB 1092 was taken in the portion provided.
NM

New Mexico 2025 Regular Session

IC - Water and Natural Resources Nov 18th, 2025

Water & Natural Resources Committee

Transcript Highlights:
  • In the meantime, you're at the mercy of your bank lender.
  • However, DOE made the determination and recommended that they leave that waste in place and cap it on
  • This As I say, we responded that they needed to remove that waste rather than cap it and leave it in
MD

Maryland 2026 Regular Session

Senate Floor Session, 3/20/2026 #1

Maryland Senate Floor Meeting

Transcript Highlights:
  • And then they are left having to absorb the cost themselves or an inability to get a mortgage as lenders
  • And then they are left having to absorb the cost themselves or an inability to get a mortgage as lenders
  • </c><00:36:40.560><c> are</c><00:36:40.880><c> not</c> to get a mortgage as lenders are not to get a
  • mortgage as lenders are not going<00:36:41.359><c> to</c><00:36:41.680><c> finance</c><00:36:42.320><
  • Colleagues, Senate Bill 290 repeals the current $1,000 cap for civil and criminal fines and penalties
CO

Colorado 2026 Regular Session

Colorado House 2026 Legislative Day 114 May 8th, 2026

Colorado House Floor Meeting

Transcript Highlights:
  • That is why we put in the provisions putting the thousand cap on a limit.
  • Now, as a thousand cap on a limit.
  • First, it caps the five concrete things.
  • </c><04:56:30.000><c> And</c> uh putting a cap on property taxes.
  • And uh putting a cap on property taxes.
CA

California 2025-2026 Regular Session

Assembly Housing and Community Development Committee Aug 11th, 2026

Housing and Community Development

Transcript Highlights:
  • members, including, as I said, affordable housing developers, local governments, tribal governments, lenders
  • And all of the many sessions that we've heard and engaged with developers, lenders, investors, service
WA

Washington 2025-2026 Regular Session

Senate Floor Session Mar 11th, 2026 at 02:15 pm

Washington Senate Floor Meeting

Transcript Highlights:
  • So the high-volume mortgage lenders is the new definition.
  • The high-volume mortgage lenders is the new definition, defined as an institution that pays our financial
Bills: SCR8410
Summary: The Senate took up several bills on final passage, beginning with Substitute House Bill 2689 on the Working Connections Child Care program. The chamber adopted a Ways and Means striking amendment, then passed the bill 33-16. Supporters said it would change provider payment to attendance-based reimbursement, require subsidy rates to reach at least the 75th percentile of market rates, update use of market rate surveys, and remove previously scheduled income-eligibility expansions. Opponents argued it would not treat all child care providers equally and could create unfair workarounds. The bill was immediately transmitted to the House. The Senate then passed Engrossed House Bill 2487, which clarifies how insurance companies and their affiliates are taxed, and Substitute House Bill 2089, which narrows a tax preference for certain financial institutions and dedicates the revenue to the Wildfire Mitigation Fund. HB 2487 drew criticism for applying the tax retroactively to 2019 despite prior court rulings, while HB 2089 was opposed on affordability grounds because it affects mortgage-related taxation. The chamber also passed Engrossed House Bill 2681, raising annual license fees for cannabis producers, processors, and retailers; opponents said the increase reflected broader budget pressures. A major portion of the meeting was devoted to Senate Resolution 8704 honoring Senator Rebecca Saldaña. Numerous senators from both parties praised her work on labor, environmental justice, child welfare, immigrant and worker rights, and her habit of centering marginalized communities and checking on colleagues personally. Saldaña responded with remarks about organizing, democracy, and the importance of collective action, saying she was grateful for the chamber and looking forward to the next chapter. The Senate adopted the resolution unanimously, and members agreed to add all senators’ names as co-sponsors. The Senate also adopted Senate Resolution 8702 honoring Senator Judy Warnick, with speakers from both parties highlighting her long service, agricultural background, calm leadership, bipartisan approach, and work on rural economic development, children and families, and capital projects. Warnick thanked colleagues and said she looked forward to spending more time with her family, farm, and horses. The meeting also included routine motions to move between orders of business and a message from the House concurring in Senate amendments to several bills.
OK
Transcript Highlights:
  • It creates a clear, predictable framework for courts, lenders, and businesses when a receiver is necessary
  • It creates a clear, predictable framework for courts, lenders, and businesses when a receiver is necessary
Summary: The committee heard and advanced a wide range of bills covering property, criminal justice, public safety, courts, insurance, housing, and family law. Early measures included HB 4343, which would let district courts set appraiser fees in condemnation cases at levels more comparable to private appraisers, and HB 4125, restoring firearm rights to certain nonviolent felons after meeting requirements. The committee also approved HB 4126 on liability protections for dirt bike tracks, HB 3471 expanding information protections for ongoing investigations by OBN, ABLE, and the Corporation Commission, and HB 3407 clarifying the process for abandoned manufactured homes on private property. Several bills were advanced on recorded votes, generally with strong support, including HB 2933, an omnibus insurance consumer protection bill, and HB 3453, which shifts the burden of proof in eminent domain cases to the condemning authority after amendment. A major point of debate was HB 3094, which would allow SDA license holders to carry firearms in the Capitol. Representative Jenkins argued the bill would align Oklahoma with other states and protect constituents who must leave firearms in vehicles; Department of Public Safety Director Tipton opposed it, citing safety, threat-assessment, and manpower concerns. Committee members questioned the bill’s practical effects, including screening, tracking, and whether the Capitol is truly a gun-free zone. The motion to advance HB 3094 failed on a 4-5 vote. The committee also rejected HB 3727, which would impose a four-year waiting period before former legislators could register as lobbyists, after members raised constitutional and free-speech concerns and the sponsor defended it as a revolving-door restriction. Other notable measures included HB 3845, restoring a driver’s license revocation tool for chronic child-support delinquency; HB 1453, barring foreign entities and individuals tied to designated countries from owning Oklahoma real property or agricultural land and requiring divestment; HB 387, extending garnishment timelines to 30 days; HB 2941, creating overdose reporting and fentanyl-related death presumptions; HB 2959, tightening mandatory child-abuse reporting from schools to law enforcement; and HB 2945, creating a civil qui tam action against trafficking in abortion-inducing drugs, which drew extensive questions about standing, privacy, enforcement, and intent but ultimately failed 3-5. The committee also advanced bills on child custody interview standards, workplace violence protective orders, utility debt collection through tax refunds, eviction mediation to stabilize housing for children, AI chatbot protections for children, supported decision-making for adults with disabilities, commercial receiverships, charitable reporting protections, notice publication errors for municipalities, uniform wage garnishment procedures, and ending cost arrest warrants for unpaid court fines and fees. Most bills were reported out by recorded vote, often with sponsors noting they would continue working on language with stakeholders.
OK

Oklahoma 2026 Regular Session

Revenue and Taxation Apr 20th, 2026

Revenue and Taxation

Transcript Highlights:
  • The state is making these low-interest loans available through qualifying lenders.
Bills: HB1590 , HB1242 , HB3818 , HB4305
Summary: The committee first considered and unanimously approved the nomination of Keith Ventress to the Oklahoma Development Finance Authority and then to the Oklahoma Industrial Finance Authority. Members noted his banking background and asked a brief question about the reference to old congressional district boundaries in the nomination materials, but there was no substantive opposition and both nominations advanced to the Senate. House Bill 1590, by Senator Daniels, would create an Oklahoma education infrastructure linked deposit program to provide reduced-interest loans for charter schools and nonprofit private schools for capital and building needs. Supporters said it would use existing state linked-deposit structures already used for agriculture and affordable housing, while opponents raised concerns about using taxpayer-backed funds for private schools, the bill’s broad nonprofit language, and whether it could lead to more state oversight of private education. The bill passed 9-2. House Bill 1242, which would add survey day to the list of agricultural sales tax exemption items, was discussed briefly but received no motion for a do pass recommendation and remained in committee. House Bill 3818, by Senator Coleman, would create tax-advantaged insurance loss savings accounts for homes and vehicles; members expressed concern about missing definitions, contribution limits, and the potential for abuse, but agreed the concept had promise and the bill passed 9-2 after the enacting clause was stricken for further work. House Bill 4305, as amended, clarified how affordable housing properties are assessed for ad valorem tax purposes by excluding certain income-based subsidies from valuation; after questions about prior court cases and assessment practices, it passed 6-5.
OK

Oklahoma 2026 Regular Session

Public Safety Feb 11th, 2026

Public Safety

Transcript Highlights:
  • The goal is to clearly document ownership, reduce fraud, and protect buyers, sellers, and lenders.
Committee: House Public Safety
Summary: The Public Safety Committee heard several bills related to vehicle titling and VIN inspection procedures. House Bill 4272, by Representative Miller, would create a formal certificate of titling system for boats and vessels in Oklahoma to document ownership and reduce fraud; it passed 6-0. House Bill 3277, a cleanup bill on VIN inspections and salvage vehicles, clarified who may perform inspections and added salvage pools as authorized entities; it passed 7-0. House Bill 3148 made additional changes to the VIN inspection process, including salvage pool language and anti-fraud protections, and also passed 7-0. House Bill 3323 removed notarization requirements for documents submitted electronically to Service Oklahoma and passed 7-0. House Bill 4105 clarified exemptions under the Oklahoma Security Guard Act and passed 6-0. House Bill 3304, renamed the Ray Davis Safe Roads Act, requires Service Oklahoma to check the methamphetamine database before issuing commercial driver licenses and passed 6-0. The committee also considered House Bill 4287, which would change how incarcerated people are counted for legislative apportionment by using their last residence rather than the prison location. Supporters argued it would create more equal representation and address a historical anomaly, while opponents said it would disconnect incarcerated constituents from the districts that currently represent them and could affect rural representation. After debate, the bill failed 4-5 and remained in committee. House Bill 3345, a Department of Mental Health bill, would expand pretrial behavioral health and substance use screening services to any charge, felony or misdemeanor, to help identify diversion opportunities earlier and support treatment referrals. Testimony emphasized that the screenings would be done by certified local contractors at no cost to county jails and would help courts, prosecutors, and defense counsel. The bill received a 4-4 vote but was reported out as a due pass. The committee then laid over House Bill 315 until the following week and adjourned.