Transcript Highlights:

• disasters strike.
• In every other natural disaster in the history of our country, our presidents have delivered aid Without
• Wildfires are complex disasters.
• The bipartisan nature of disaster response and recovery is demonstrated by the entire California congressional
• disaster, bring the request for aid.

Keywords: 988, house, all

Transcript Highlights:

• They are related to natural gas used for transportation.
• And when we talk about natural gas, we mean compressed natural gas, CNG, or liquefied natural gas, LNG
• The second is a brokered natural gas use tax exemption for consumers.
• vehicles use natural gas as a transportation fuel, the targets are not met.
• We’re currently running five disaster programs this year.”

Summary: The committee first received a JLARC work session on the 2025 tax preference performance reviews, covering nine tax preferences and recommending legislative action on eight. JLARC reviewed natural gas transportation fuel preferences, travel agent and tour operator B&O rates, a property tax exemption for nonprofit low-income housing developers, and several shorter reviews including senior center property tax relief, a disabled veteran adapted housing remittance, trade convention nexus treatment, wholesale sales of fertilizer/pesticides/seed, a hazardous substance tax exemption for pesticides stored for out-of-state shipment, and three energy-related preferences for a silicon smelter. JLARC generally recommended continuing preferences that met stated or inferred objectives, modifying some to improve reporting or performance metrics, and allowing the unused silicon smelter preferences to expire. The Citizen Commission endorsed JLARC’s recommendations, and committee members asked a few clarifying questions, including about trends in travel agent/tour operator beneficiaries and the housing exemption’s performance metric and data issues. The committee then heard a work session and public hearing on Senate Bill 5754, which would create a Washington State public bank. A presentation from California public banking advocates and the Bank of North Dakota described public banks as government-owned financial institutions intended to keep public funds working locally, support lending for housing, infrastructure, and community development, and partner with community banks and credit unions. Committee questions focused on leverage, liquidity, constitutional issues, and how the model would interact with existing state investment and debt structures. Staff summarized the bill’s structure, including activation conditions, governance, powers, and fiscal impacts, noting the fiscal note was largely indeterminate and startup costs could be significant. Public testimony on SB 5754 was divided. Supporters included statewide elected officials, county and city officials, labor, educators, community advocates, and residents, who argued the bank could lower borrowing costs, improve access to capital, keep public money in Washington, and help finance infrastructure, housing, and disaster resilience. Opponents included community bankers and county treasurers, who warned about risks to safety and liquidity of public funds, questioned the need for a new institution given existing programs, and argued the proposal lacked a proven track record in Washington. The hearing concluded with no vote taken in the transcript.

Transcript Highlights:

• </c><00:09:32.880><c> sure</c><00:09:33.399><c> if</c> natural disaster that I wasn't sure if natural
• </c><00:09:38.040><c> was</c><00:09:38.360><c> an</c> natural disaster or if there was an natural disaster
• </c><00:09:41.320><c> disaster</c><00:09:41.720><c> if</c><00:09:41.839><c> this</c> outside of a natural
• disaster if this outside of a natural disaster if this would<00:09:42.079><c> be</c> would be would
• </c> depending on we've talked about natural depending on we've talked about natural disasters<00:37:

Keywords: 00:00 - Introduction 00:15 – Attendance Roll Call 03:15 -- House Bill 186 09:59 – Roll Call Vote 11:51 – HB 370 22:55 – Roll Call Vote 24:45 – HB 304 28:47—Roll Call Vote 30:13 – HB 391 43:09—Roll Call Vote, 958, all

Summary: The committee first heard House Bill 186, which would streamline food-service rules for churches and nonprofits providing meals to homeless shelters and people displaced by natural disasters. Representative Duvall said the bill is meant to remove unnecessary kitchen and plumbing requirements so organizations can safely serve simple meals in emergencies. Members discussed food safety, whether the bill applies only in declared disaster situations or also to homeless shelters, and whether training should be offered; Duvall clarified that the disaster and homelessness provisions are separate and that food must still be safe and wholesome. After discussion, the committee took a roll call vote and House Bill 186 passed with favorable expression. The committee then heard House Bill 370, a Department of Agriculture reorganization measure sponsored by Representative Payne. Payne and Agriculture Commissioner Jonathan Shell said the bill would move the Division of Farm Safety and Rural Health and create an Office of Economic Development to better support programs such as Food Is Medicine, rural health, farmer mental health, and farm safety. Members asked about the removal of references to shows and fairs, whether the bill would affect livestock shows and county fairs, and whether any new funding was included; Payne said the department would still support shows and fairs, the change was about efficiency and focus, and no new funding was specified because budget decisions come later. Discussion on House Bill 370 also highlighted the department’s broader economic role, including agricultural economic development and outreach tied to the new USDA secretary’s visit to Kentucky. The committee then voted and the bill passed with favorable expression. Finally, the committee began House Bill 304 on soybean assessment language. Representative Bivens and soybean association representatives explained it as cleanup language related to the soybean checkoff and a contingency if the federal checkoff changes. Members asked whether a referendum had already occurred and whether producers supported the measure; the witnesses said the referendum had already taken place and that soybean producers and the association supported it, while one member noted the state may increasingly need to adjust to federal changes.

Transcript Highlights:

• disaster resiliency.
• Unfortunately, wildfires are not the only natural disaster that threatens our state.
• Unfortunately, with the wildfires and the natural disasters that are happening, it’s just a matter of
• disaster.
• disasters that occur throughout the country.

Keywords: 988, house, all

Transcript Highlights:

• Over the last several years, we've witnessed Kentucky communities struck again and again by natural disasters
• We have national contacts, so we're able to utilize those to assist in natural disasters.
• <00:21:33.919><c> disasters.
• disasters.
• So, that that is a natural disasters.

Keywords: Meeting Start 00:00:00 Attendance Roll Call 00:00:20 Kentucky Humane Society 00:01:20, 958, all

Summary: The committee heard a presentation from Alyssa Gray, president and CEO of the Kentucky Humane Society, on the organization’s statewide animal welfare work and its request for a $5 million matching contribution from the General Assembly for a new Kentucky Animal and Community Campus in Louisville. Gray said KHS, an independent nonprofit founded in 1884, serves cats, dogs, and horses, reaches 96 counties, provides shelter relief, spay-neuter services, low-cost veterinary care, and disaster response, and has supported communities during recent tornadoes and floods. She described the new campus as a hub for disaster housing, shelter transfers, veterinary training, and expanded services to reduce overpopulation and relieve pressure on county shelters and local governments. Members asked about the campus’s location, staffing, veterinary student involvement, and the scope of KHS’s services. Gray said the new site would be next to KHS’s current spay-neuter clinic on Preston Highway, that the facility would include shelter medicine, high-volume spay-neuter, and a low-cost clinic, and that it could host veterinary students and interns for hands-on training. She also explained that KHS works with county officials and shelters to move animals during crises or cruelty cases, can connect counties with partner organizations when KHS is full, and provides mobile clinic services and occasional grant support for rural shelters. Committee members praised the presentation and discussed how KHS could fit into disaster recovery planning. One member suggested the organization could be folded into long-term recovery efforts because of its role in post-disaster animal care. The presenter said KHS wants to be a formal disaster response resource and already works with the Kentucky Veterinary Medical Association and other partners. No vote on the funding request was taken during the meeting. At the end of the meeting, the committee noted it still lacked a quorum, so approval of the minutes was postponed to the next meeting, tentatively scheduled for October 15. The meeting then adjourned.

Transcript Highlights:

• In disaster response throughout the state.
• In disaster response throughout the state.
• regional disaster medical coordinators and specialists.
• disasters we have the best way to get to them, but also to help them.
• In the last two years, about how the work that you do intersects with the natural disasters across our

Summary: The Senate Committee on Rules established quorum and approved several routine items on the agenda, including governor’s appointments not required to appear: Courtney Welsh to the California Housing Partnership Corporation Board, Janessa Goldbeck to the California Veterans Board, and Tom Huntington to the State Parks and Recreation Commission, each by 3-0 vote. The committee also approved reference of bills to committees, the 2026 committee chair/member assignments, the 2026 session schedule, the 2026 holiday schedule, and floor acknowledgments, all by unanimous votes. The committee noted that some 2026 committee changes would take effect February 1, 2026, and that new committees would depend on adoption of a Senate resolution. The committee then heard from Dr. Hernando Garson, nominated as chief medical officer of the Emergency Medical Services Authority. He described his background in emergency medicine, disaster response, and EMS leadership, and members questioned him about EMSA’s strategic plan, data integration, statewide standards versus local flexibility, ambulance patient offload time regulations, stakeholder engagement, and emergency response coordination. Dr. Garson emphasized data-driven decision-making, technical assistance to local agencies, collaboration with hospitals and EMS stakeholders, and the need for safer alternatives to routine ambulance transport such as community paramedicine, telehealth, and nurse triage. He also discussed disaster preparedness for vulnerable and rural communities and the use of regional and state assets, including ambulance strike teams, during fires and floods. The committee approved his appointment 4-0. The final item was Stephanie Weldon’s nomination as Deputy Director of the Office of Health Equity at the Department of Public Health. Weldon, who identified as Yurok-Tolowa and Karuk, spoke about her tribal, county, nonprofit, and state experience, her role as the first Native American woman in the position, and her commitment to health equity, rural communities, and culturally responsive public health work. Senators asked about how the office sets priorities, measures outcomes, addresses behavioral health, tribal consultation, youth mental health, and how it responds to political pressure around DEI language; Weldon said the office focuses on community-driven, data-informed work and transparency. Public commenters strongly supported her confirmation, citing her leadership on the California Reducing Disparities Project and related equity efforts. The committee approved her appointment 4-0, sending it to the full Senate for confirmation.

Transcript Highlights:

• , nature is often what loses.
• Like, whenever I have to work with you, it's going to be a disaster.
• Like, whenever I have to work with you, it's going to be a disaster.
• Like, whenever I have to work with you, it's going to be a disaster.
• We have had our, you know, a portion of natural disasters that have greatly impacted.

Keywords: 987, senate, all

Transcript Highlights:

• of sort of, you know, disaster really even when it's not, say, in... ...really even when it's not, say
• that... ...plotted to disrupt a law enforcement operation during one of those disasters that I still
• critical service that connects residents to programs, reliable information, and disaster response.
• That role becomes even more critical during disasters, as you will hear from our other witness.
• It is not an if, I should say, that there will be another disaster, but when.

Summary: The committee heard presentations on several emergency-management-related bills. AB 1749 would prohibit drones from knowingly or recklessly interfering with wildfire suppression or other emergency response airspace and authorize civil enforcement with penalties up to $75,000 per violation. AB 1540 would restore the 988 “press 3” option for LGBTQ+ suicide prevention, with the author and supporters describing it as a needed crisis lifeline; opponents argued the bill was unnecessary and criticized the Trevor Project. AB 1805 would overhaul oversight of the state’s troubled next-generation 911 project by strengthening the advisory board, requiring quarterly reports, and mandating an independent technical evaluation and audit. AB 1832 would create a statewide 2-1-1 support fund and a community needs dashboard to expand and stabilize 2-1-1 services. AB 2543 would require EV charging operators to develop emergency management plans and identify backup power or charging options during disasters, with opponents arguing it singled out one industry and could slow deployment. Testimony was largely in support of AB 1540, AB 1805, and AB 1832, with many public agencies, behavioral health groups, fire organizations, and local governments backing the measures. AB 1540 drew emotional testimony from a parent who lost a child to suicide, while AB 1805 received support from police chiefs, dispatchers, and the Legislative Analyst’s Office, which discussed the need for an independent technical review of regional versus statewide 911 system options. AB 1832 supporters emphasized that 2-1-1 helps divert non-emergency calls from 911 and provides critical disaster information and referrals. AB 2543 drew opposition from EV charging companies and industry groups, who said the bill imposed unique obligations on private operators and did not address all fuel types. After debate, the committee voted to advance all of the measures. AB 1540 was sent to Senate Health, AB 1749 to Senate Judiciary, AB 1805 to Senate Privacy, Digital Technology, and Consumer Protection, AB 1832 to Senate Energy, Utilities and Communications, and AB 2543 to Senate Energy, Utilities and Communications with amendments to be taken in the next committee. The consent item, AB 1836, was also approved. Final recorded votes were overwhelmingly in favor, with AB 2543 receiving the most opposition but still passing the committee.

Transcript Highlights:

• disasters.
• California counties play an incredibly critical role in disaster. preparedness, response, and recovery
• Disasters are local and they move to larger.
• BRIC funding was intended to prevent future disasters around communities.
• What they said to me is wildfires are not just a natural disaster, they're financial, they're public

Keywords: 988, house, all

Transcript Highlights:

• And if there's a known impending disaster...
• , and the RDMHCs, regional disaster medical coordinators and specialists.
• disasters we have the best way to get to them, but also to help them.
• disasters we have the best way to get to them, but also to help them.
• Like, for example, working with the Hupa tribe to develop a disaster plan...

Keywords: 987, senate, all

Transcript Highlights:

• disaster.
• disaster.
• For natural disaster relief, the property tax exemption is for physical improvements made to a single-family
• dwelling due to a natural disaster and is for three years following completion of the improvements.
• It must be reduced in value by more than 20% due to a natural disaster that occurred on or after August

Summary: House Finance met on February 26 and heard several tax and housing-related bills. Substitute Senate Bill 6343 would extend the deadline to apply for a property tax exemption for improvements to single-family homes damaged by natural disasters, with sponsors citing recent flooding and the need to help displaced homeowners in multiple counties. Local officials from Kent and Algona testified in support, describing flood damage and ongoing recovery needs. The bill was heard but no vote was taken. Senate Bill 6347 would roll back the higher estate tax rates enacted in 2025, while leaving the higher exemption amount in place. Committee staff said the bill would reduce revenue to the Education Legacy Trust account by about $44.8 million starting in fiscal year 2027 and about $389.9 million over the 2027-29 biennium. Supporters argued the higher rates could harm family businesses and encourage wealthy residents to leave; opponents said the bill would mainly benefit very large estates and would worsen budget pressures by reducing funds for education and child care. Public testimony was mixed, and the bill was heard without action. The committee also heard Senate Bill 6244, which would extend a hazardous substance tax exemption for agricultural crop protection products stored in Washington for out-of-state sale until 2038. The sponsor and a logistics witness said the exemption helps farmers get products faster, supports regional distribution, and improves competitiveness; staff said the revenue impact would be small. Finally, Senate Bill 6114 would define “fixture” and “affixed” for real estate excise tax purposes to make tax treatment of attached property clearer, and Senate Bill 6027 would broaden allowable uses of several local affordable housing funding sources, including rehabilitation and operations of existing housing, rental assistance in some counties, and expanded uses for Affordable Housing for All grants. Both of those bills drew support from state and local housing officials and advocates, and the committee adjourned after the hearings with no recorded votes.

Transcript Highlights:

• Since that time, just in our service area alone, there has been an ongoing pattern of natural disasters
• Since that time, just in our service area alone, there has been an ongoing pattern of natural disasters
• Since that time, just in our service area alone, there has been an ongoing pattern of natural disasters
• This year, we've had three natural disasters, three disaster declarations, that came this year in our
• At one point this year, we had 18 counties of our 37 that were in a natural disaster declaration.

Keywords: 958, all

Summary: The subcommittee heard presentations from the Legal Aid Network of Kentucky, including Legal Aid of the Bluegrass, Kentucky Legal Aid, AppalRed Legal Aid, and the Legal Aid Society in Louisville. The presenters explained that the four nonprofit programs provide civil legal services in all 120 counties, focusing on low-income clients and matters such as domestic violence, family law, housing, expungement, public benefits, and veterans’ issues. They emphasized that they do not handle criminal defense cases and described statewide efforts such as the kyjustice.org website and Project Renew, which helps people in recovery with legal issues that affect stability, employment, housing, and family reunification. Each organization highlighted regional service challenges and examples of casework. Legal Aid of the Bluegrass described its 33-county service area, its mobile “justice bus,” and expungement work for people in recovery. Kentucky Legal Aid focused on disaster response after the December 2021 tornadoes, including insurance disputes and contractor fraud, and said it has continued to handle repeated FEMA-declared disasters. AppalRed described serving 37 rural counties with limited attorneys, the shortage of lawyers in “rural legal deserts,” and its disaster-response work after flooding and tornadoes, including FEMA appeals clinics and volunteer attorney support. The Legal Aid Society described its Louisville-area veteran services, including Social Security and VA disability cases, veterans treatment court referrals, and homeless outreach. Committee members praised the organizations’ work and noted the importance of their services. In response to questions about funding, the presenters said their support comes from a mix of Legal Services Corporation funds, state appropriations, federal grants such as VOCA, VAWA, and HUD, United Way, and foundation funding. They stressed that many grants are restricted, while state funding is more flexible and useful for emergencies and day-to-day operations. The presenters said current funding does not fully meet demand and requested an increase in the General Assembly’s appropriation from $500,000 per year to $1 million per year, or $2 million over the biennium.

Transcript Highlights:

• And what does occur is that when there's a natural disaster, there are a lot of different contractors
• Second issue is this disaster mediation program. Second issue is this disaster mediation program.
• And so that, in essence, in the event of a declaration of a natural disaster, that this mediation program
• And so that, in essence, in the event of a declaration of a natural disaster, that this, event of a declaration
• of a natural disaster that this mediation program would spring to life, and that if you, the consumer

Summary: The Insurance Committee held public hearings on House Bill 3328 and House Bill 2324. HB 3328, sponsored by Rep. Castile, is a broad homeowners insurance package that would redirect insurance dedicated fund money into a Missouri Stronger Homes Fund, create a Missouri Disaster Mediation Act for disaster-related claims, update public adjuster regulation, strengthen fraud provisions, add consumer notices, and establish roof-hardening grant programs. The sponsor and the Department of Commerce and Insurance said the bill is still being revised in a committee substitute, especially on public adjuster language and fortified roof standards. Committee members asked about the dedicated fund, mediation benchmarks, the role of public adjusters, and how the program would affect disaster recovery in places like St. Louis. Testimony on HB 3328 was mixed. The Department of Commerce and Insurance and several insurance industry groups supported the bill’s consumer protections, mitigation funding, mediation process, fraud language, and assignment-of-benefits ban, but said the public adjuster fee cap would likely be removed and that the bill needs technical changes for mutual insurers and roofing standards. Public adjusters testified in opposition to the cap as written, saying their fees are typically 10-15% and are disclosed in contracts, and that they were working with the sponsor on revisions. A shingle manufacturer also opposed the fortified roof language as drafted because some of its products may not fit the current standard. The committee then closed the hearing on HB 3328. The committee next heard HB 2324, sponsored by Rep. Lucas, which would restrict the sharing or sale of vehicle driving data and was described by the sponsor as a privacy bill aimed at stopping companies like OnStar from selling driving data to insurers. Opponents from the Missouri Insurance Coalition and NAMIC said the bill would not actually target OnStar, but would instead interfere with voluntary telematics-based discount programs used by insurers, potentially raising premiums and creating administrative burdens. They also noted existing federal and state rules already govern insurer data use and that the bill could create a mismatch between risk and pricing. The hearing on HB 2324 was then closed, and the committee adjourned.

Transcript Highlights:

• disaster or other emergencies by state orders.
• or federal disaster, they go right in and they're already there.
• disasters that occur.
• </c><00:10:39.680><c> disasters</c><00:10:40.240><c> that</c> predict the natural disasters that predict
• the natural disasters that occur.<00:10:41.120><c> However,</c><00:10:41.520><c> I</c><00:10:41.600>

Keywords: 958, all

Transcript Highlights:

• Californians live with floods, fires, earthquakes, atmospheric storms, and more natural disasters every
• California faces frequent and severe natural disasters, including wildfires, earthquakes, and floods,
• The bill ensures a more efficient, equitable, and cost-effective approach for disaster recovery.
• But right now, given the disasters that Los Angeles is facing, and also all the disasters that are happening
• It is the natural step. ...reconciliation between the state and its first people.

Summary: The Governmental Organization Committee heard a series of bills on holidays, procurement, public safety, and business regulation. AB 268 would add Diwali as an official state holiday and allow schools and state workers limited flexibility to observe it; supporters described it as a recognition of California’s large South Asian and Hindu communities, and there was no opposition. AB 770 would define “customary maintenance” for outdoor advertising displays to clarify what repairs and reinforcements are allowed; the bill was presented as a safety and consistency measure for the billboard industry. AB 783 would authorize the Department of General Services to negotiate bulk pricing for construction materials to help disaster-affected communities rebuild more affordably, with supporters from the housing and building sectors and some members raising concerns about state contracting, storage, and implementation. AB 381 would update state procurement rules to better prevent human trafficking and forced labor in supply chains, aligning state policy with federal standards and drawing support from anti-trafficking advocates, labor, and local government representatives. AB 668 would extend drink-spiking prevention measures to music festivals by requiring test strips, drink lids, and reporting procedures; supporters emphasized victim safety and underreporting, while venue operators opposed the bill unless amended, citing feasibility and cost concerns. AB 880 would require prompt payment and indirect cost coverage for nonprofits contracting with the state, with broad nonprofit support and no opposition. AB 989 would make California Native American Day a paid holiday, with tribal and allied support. AB 592 would extend and expand temporary outdoor dining and alcohol service flexibilities for restaurants, with strong support from restaurant and business groups and opposition from alcohol policy advocates who preferred a narrower or permanent grandfathering approach. Most bills advanced on committee votes, generally on party-line or broad bipartisan support. AB 770 was moved to Appropriations, AB 783 was passed as amended to the Assembly Committee on Emergency Management, AB 381 was sent to Labor, AB 668 and AB 880 were sent to Appropriations, AB 989 was sent to Public Employees and Retirement, and AB 592 was sent to Health. The committee also took up a consent calendar containing several additional bills, which was approved. The hearing ended with the roll left open for additional votes and adjournment at 3:17 p.m.

Transcript Highlights:

• I've been working on natural disasters in the state of Texas for 25 years.
• Led by Texas Game Wardens, TPWD is the frontline response agency for natural disasters, including hurricanes
• Game Wardens stand by to assist for the next natural disaster. Thank you for your time.
• Public communication is a key factor during a natural disaster.
• As you know, natural disasters do not discriminate based on income.

Keywords: 997, house, all

Transcript Highlights:

• We are operating in an environment of persistent disasters.
• water systems failing, those sorts of disasters.
• and human-made disasters.
• In the last four years, we've obtained four disasters.
• Chair, Senator Brown, I believe that's all disaster money.

Keywords: 996, all

Transcript Highlights:

• disasters.
• When a natural disaster strikes or a person goes missing or is injured in remote or inaccessible locations
• They assist in natural disasters, along with pursuit management, and we know that studies by the International
• disasters.
• We can quickly configure our aircraft to conduct mass casualty evacuations during a natural disaster

Summary: The committee heard six bills on January 27, 2026. Senate Bill 6084 would clarify the prohibition on voting more than once in an election, in response to a court ruling that interpreted “election” narrowly; the sponsor and Secretary of State’s office said the bill is meant to ensure a person votes only once in Washington or in one state and another on the same election date. Testimony was brief and supportive, and the hearing was closed with many people signed in pro and con but not testifying. Senate Bill 6044 would recognize Diwali and Bandi Chhor Divas as a legislatively recognized day, and Senate Bill 5950 would add several non-legal holidays, including Sikh, Baha’i, Jewish, and Buddhist observances. Sponsors and supporters described the bills as a way to acknowledge minority faith traditions, promote inclusion, and help communities feel seen; testimony came from Jewish, Sikh, multi-faith, Hindu, Zoroastrian, and Buddhist representatives. The committee recorded substantial support for both measures, with no opposition testimony, and closed both hearings. Senate Bill 6046 would establish the Washington Division of Civil Air Patrol within the Military Department to better coordinate volunteer aviation support for disasters, search and rescue, cybersecurity, and other missions. The sponsor, Military Department, Civil Air Patrol, and veterans’ representatives said it would improve command and control and help the state use Civil Air Patrol more efficiently at no added cost. Senate Bill 5763 would create a grant program for local law enforcement aviation support units and expand wildfire-related aviation support to sheriff’s offices; sheriffs and police chiefs strongly supported it as a way to sustain helicopter-based search and rescue and disaster response, while DNR raised concerns about wildfire aviation standards, liability, and possible bill drafting issues. The committee also heard Senate Bill 5784, which would require agencies to collect and report more detailed demographic data under updated federal standards; the sponsor said better disaggregation is needed for accountability and to identify disparities, and the Office of Equity supported the policy while noting fiscal and privacy concerns and the need for possible amendments. The meeting ended after the final hearing, with no votes taken.

Transcript Highlights:

• We can't control natural disasters, but we can control how we respond.
• disaster.
• disasters in the future.
• If a natural disaster strikes again, I respectfully ask for your aye vote.
• When disaster strikes, homeowners often rely on their insurance policies.

Keywords: 988, house, all

Transcript Highlights:

• In recent years, California has not only seen an increase in frequency in natural disasters, but an increase
• In recent years, California has not only seen an increase in frequency in natural disasters, but an increase
• When a major disaster occurs, When a major disaster occurs and a federal disaster declaration is issued
• disaster or the disaster zone based off a ZIP code.
• disaster or the disaster zone based off a zip code and we went through protocols with a with a handful

Summary: The Assembly Banking and Finance Committee held an outcomes review of AB 238, the wildfire mortgage forbearance law, focused on how the law has worked for survivors of the Eaton and Palisades fires. Chair Valencia and Assemblymember Harabedian said the hearing was intended to hear directly from survivors, assess whether the law is being implemented as intended, and identify fixes. Several survivors described losing homes, facing long rebuild timelines, and struggling with insurers, housing costs, and mortgage servicers. Many said they encountered confusion, inconsistent information, requests for financial documentation, lump-sum repayment demands, credit reporting problems, or loan modifications that they viewed as undermining the law’s purpose. Some urged clearer consumer education, a consumer bill of rights, and an extension of forbearance relief; one witness specifically advocated for AB 1847 to extend forbearance to 36 months. DFPI Chief Deputy Commissioner Suzanne Martindale said the department had received about 300 wildfire-related consumer complaints, mostly about mortgage forbearance, and that more than 91% had been resolved in the consumer’s favor. She said the department works with both state-licensed and federally regulated institutions, but its authority is limited when national banks are involved, so it often uses outreach and direct contact with lenders and federal partners to resolve complaints. She also described recurring complaint themes such as difficulty obtaining forbearance, customer-service breakdowns, withholding of insurance funds, and non-interest-bearing impound accounts. Committee members pressed DFPI on which institutions were noncompliant, what enforcement tools were available, and how much data the state could collect and make public. Representatives of the California Bankers Association and California Mortgage Bankers Association said lenders had provided early disaster relief and were working to comply with AB 238, but emphasized that mortgage servicing is constrained by federal law, investor requirements, and secondary-market guidelines. They argued that forbearance is temporary relief, not forgiveness, and warned that extending it without a clear repayment path can create future payment shock or larger debt burdens. They also said many servicers use disaster protocols tied to federal declarations and that clearer communication is needed. In response to committee concerns, the mortgage bankers said they would continue working with the Legislature and federal agencies, but could not promise changes beyond investor and agency rules. No votes or formal committee actions were taken during the hearing.