Video & Transcript : 'Overdraft Lending' :
Page 45 of 114
MO
Transcript Highlights:
- in favor of the bill, we just look at this as a streamlining of the process, and we just wanted to lend
Committee:
House General Laws
Summary:
The General Laws Committee met without a quorum and heard House Bill 2749, sponsored by Rep. Davidson. The bill would allow hospital systems, rather than only individual physicians, to sign and maintain collaborative practice agreements for physician assistants in hospital settings. The sponsor said the measure is intended to reduce administrative burden and paperwork without changing scope of practice, supervision requirements, or liability, and noted it has a $0 fiscal note.
Committee members asked about how the bill would work in practice, including what happens when physicians leave a hospital system, whether the collaborating physician relationship would still be meaningful, and whether the bill could affect liability or accountability. Supporters, including a long-time PA with BJC and the Missouri Hospital Association, said large hospital systems already use credentialing and chart-review processes, and that centralizing the paperwork would help hospitals, physicians, and the Board of Healing Arts while freeing physician time for patient care. They emphasized that the bill would not change clinical oversight or reimbursement arrangements.
Opposition came from the Missouri State Medical Association and the Missouri Association of Osteopathic Physicians and Surgeons. Their witness argued that collaborative practice agreements are personal physician agreements, not mere paperwork, and warned that shifting them to a hospital-level document could weaken physician accountability and potentially increase liability. The hearing concluded after testimony, with no vote taken.
MO
Transcript Highlights:
- And they're going to lend me the money, correct? Those are the people you're talking about?
Committee:
House Legislative Review
NM
Transcript Highlights:
- And as Lily May said, we hope to be at the table also so that we can lend our support and our understanding
Committee:
House House Education
Summary:
The committee first heard Senate Joint Resolution 1, which would amend the New Mexico Constitution to remove language requiring school elections to be held at different times from partisan elections. The sponsor and the Secretary of State’s office said the change would let school bond and mill levy questions appear on general election ballots, reduce the number of costly special elections, increase turnout, and address an outdated discriminatory provision dating to 1910. Testimony from the New Mexico School Board Association and school superintendents supported the resolution for its potential cost savings and faster access to local and state capital outlay funding. A committee member asked for clarification that school board member elections would remain on the regular local election cycle and nonpartisan. There was no opposition, and the committee approved the resolution on a due pass motion.
The committee then heard House Memorial 30, which asks the Legislative Education Study Committee to study public education governance and convene a broad working group to review roles, responsibilities, statutes, and long-term planning across the education system. The sponsor and LESC staff said the memorial is intended to improve coherence, support long-term goals, and consider governance structures that could better align education policy across administrations, including lessons from the Martinez-Yazzie response and models from other states. Supporters from charter schools, Kids Can, the school board association, superintendents, and Teach Plus backed the study as a way to improve coordination and student outcomes.
Several committee members raised concerns about who would be included in the process, emphasizing the need for meaningful participation by families, plaintiffs in the Martinez-Yazzie case, tribal leaders, and students with disabilities, as well as clear notice and access for working families. Members also asked about guardrails, accountability, and whether a future statewide education commission could dilute local or tribal voices. LESC staff said the memorial would allow the committee to define the study’s structure, composition, metrics, and potential recommendations, including whether any commission should be created by statute or another mechanism. There was no opposition, and the committee passed House Memorial 30 on a do pass motion.
NY
New York 2025-2026 Regular Session
Senate Standing Committee on Energy and Telecommunications - 01/27/2026
Energy And Telecommunications
Transcript Highlights:
- Like now we're getting into something like predatory lending or who should talk to.
Committee:
Senate Energy And Telecommunications
Summary:
The Senate Energy and Telecommunications Committee, chaired by Senator Kevin Parker, considered several Public Service Law bills and advanced each one to the Rules Committee after brief discussion and recorded no votes or without-recommendation votes on some measures. The bills included proposals to prohibit utilities from using ratepayer funds for certain activities (1012A), establish minimum standards for payment plans for eligible customers (1327), adjust residential fixed charges (1329), require the Public Service Commission to consider economic impacts when setting rates (1847), require utilities to adopt PSC-authorized equity ratios and returns on equity (1896), create the Rate-Hike Notice Act (5553C), suspend certain utility rate changes while allowing retroactive revenue recovery (5593), allow consideration of non-economic losses in penalty determinations (7165A), change the composition of the Public Service Commission (7328A), and let utilities retain revenues above authorized returns on equity (7693). Members asked questions about who would be affected by the bills, including whether fixed-charge reductions would apply to vacant units or vacation homes and whether economic-impact considerations could affect customers differently depending on where they live; the chair and sponsors generally explained the measures as territory-wide or applicable to all residential customers, with no occupancy or income-based circuit breaker in the text.
The committee then heard testimony from Alexandra Fasulo, introduced as an entrepreneur and farmer in Schuylerville, about her concerns regarding the Office of Renewable Energy Siting (ORES) and utility-scale solar development on farmland and grasslands. She argued that solar developers were pressuring landowners, including older and lower-income property owners, into long-term leases, that ORES approves most projects despite local opposition, and that the process lacks transparency, with redacted documents and limited public access to information. She also criticized the siting of solar projects on productive farmland and said decommissioning rules could leave equipment buried in the soil.
Committee members responded that the Legislature has already taken steps to protect high-quality soils, that ORES was created by statute and operates within the Public Service Department, and that DEC and ORES are supposed to work together rather than ORES superseding DEC. Several senators said they were sympathetic to concerns about farmland and community engagement, but also emphasized the need to expand renewable energy and balance that with land preservation. Members suggested that specific complaints about ORES transparency or solar siting could be addressed through future legislation or by inviting ORES and PSC officials back for further discussion.
KY
Kentucky 2026 Regular Session
Interim Joint Committee on Licensing, Occupations, & Administrative Regulations.(6-18-26)
Licensing, Occupations, & Administrative Regulations
Transcript Highlights:
- Um, from here, please allow me to lend the presentation to Mr. Reese. >> Sure, thank you, Michael.
- please</c><00:37:25.760><c> allow</c><00:37:25.880><c> me</c><00:37:26.000><c> to</c><00:37:26.080><c> lend
- </c> Um, from here, please allow me to lend Um, from here, please allow me to lend the<00:37:26.320><
NH
Transcript Highlights:
- placed on seeds, and as a seed grows, some of that insecticide is absorbed into the plant and it helps lend
- :50:17.520><c> helps</c> absorbed into the plant and it helps absorbed into the plant and it helps lend
- 00:50:20.040><c> to</c><00:50:20.560><c> um</c><00:50:20.720><c> insect</c><00:50:21.760><c> so</c> lend
- some protection uh to um insect so lend some protection uh to um insect so that<00:50:22.280><c> might
HI
Transcript Highlights:
- Well, reliability as I was using it, it lends itself to reliable, available power and energy.
- 19.160><c> using</c><01:37:19.560><c> it,</c> was uh using it, was uh using it, it<01:37:20.800><c> lends
- 21.120><c> itself</c><01:37:21.600><c> to</c><01:37:22.120><c> reliable</c><01:37:23.320><c> um</c> it lends
- itself to reliable um it lends itself to reliable um available available available power<01:37:26.840
Committee:
Senate Commerce and Consumer Protection
Summary:
The Senate Commerce and Consumer Protection Committee heard and considered a long list of Governor’s messages for appointments to state boards and commissions, including the Board of Dentistry, Barbering and Cosmetology, Speech Pathology and Audiology, Motor Vehicle Industry Licensing Board, Elevator Mechanics Licensing Board, Real Estate Commission, Board of Naturopathic Medicine, State Boxing Commission, Board of Professional Engineers, Architects, Surveyors and Landscape Architects, Hawaii Medical Board, Board of Physical Therapy, Board of Pharmacy, and the Public Utilities Commission. Most nominees and supporting agencies testified in support, and many nominees simply stood on their written testimony. Several nominees also answered questions about their experience and the issues facing their boards, including dental insurance and Medicaid concerns, condo and real estate disputes, pharmacy regulation and telepharmacy, boxing and MMA rule updates, and medical board service in rural areas.
The committee discussed some contested or notable nominations in more detail. Richard Emery’s nomination to the Real Estate Commission drew opposition testimony tied to a condo management dispute, and he responded by emphasizing the need for factual evidence, mediation and complaint data, and better consumer education. Trinette Kahui and Andrea Ushijima were also nominated to the Real Estate Commission, with broad support. For the Boxing Commission, Robin Jumawan described ongoing statutory updates, MMA-related work, and delegation of amateur boxing rules. For the Hawaii Medical Board, Elizabeth Ignacio was strongly endorsed by state and industry witnesses as highly qualified and familiar with rural health issues, while Rebecca Sawai also received support from the board and Kaiser Permanente.
In the decision-making portion, the committee moved to advise and consent to nearly all nominees on the agenda. Senator McKelvey stated reservations about Richard Emery due to opposition and possible conflicts, and also about nominees who were not present at the hearing, specifically Corrine Muldrow Soto and Stacie Kealoha Inouye; Senator Lamasao also noted reservations on those absent nominees. The chair disclosed personal acquaintance with Dr. Sawai and Andrea Ushijima. The committee then voted to adopt the recommendations, with the noted reservations and one no vote on GM 697 reflected in the record, and later reconvened to take up Governor’s Message 514/515 for John Etemura as chairperson of the Public Utilities Commission, where additional support testimony was heard from the Governor’s office, DCCA, and former consumer advocacy staff.
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 4/15/26
Housing Finance and Policy
Transcript Highlights:
- many of you know, Minnesota Housing works with a lot of investors who help the agency's nationwide lending
- Our nation-leading lending activities.
- Our nationleading lending activities. We Our nationleading lending activities.
Bills:
HF1141
Committee:
House Housing Finance and Policy
HI
Hawaii 2026 Regular Session
JDC, JDC Public Hearings 02-24-2026
Transcript Highlights:
- And this basically is going to make felons of all of us who, um, who lend or buy tickets for a relative
- going to make felons of all of us who um going to make felons of all of us who um who<00:59:52.720><c> lend
- ><c> tickets</c><00:59:54.160><c> for</c><00:59:54.400><c> a</c><00:59:54.640><c> relative</c> who lend
- or buy tickets for a relative who lend or buy tickets for a relative or<00:59:55.200><c> friend</c><
Summary:
The Judiciary Committee heard testimony on several bills related to bribery and public corruption. On SB 2249, which would increase penalties for bribery under certain circumstances, the Honolulu Prosecutor’s Office and Honolulu Police Department supported the measure, arguing that Hawaii’s current class B felony penalty is probationable and too weak to secure cooperation in corruption cases, especially after the U.S. Supreme Court’s Snyder decision narrowed federal bribery prosecutions. The Public Defender opposed the bill, arguing that elevating bribery to a class A felony and making it non-probationable was excessive, overbroad, and would remove judicial discretion. Multiple individuals also testified in support. Committee members questioned the prosecutor about removing deferred acceptance of plea provisions and asked HPD about the $20,000 threshold; the prosecutor said alternative charges could still be used in plea bargaining, and HPD said the threshold aligns with first-degree theft. The committee also discussed how current law tolls the bribery statute of limitations while an official remains in office, with the prosecutor explaining it can extend up to six years total.
The committee then heard SB 2494, which would set a nine-year statute of limitations for bribery offenses. The Public Defender opposed the extension, saying the justification based on the length of federal investigations was too broad and that bribery already has a longer limitations period than most felonies. The Honolulu Prosecutor’s Office supported the bill, saying bribery cases often involve coordination with federal investigators, that federal and state evidence-gathering methods may differ, and that a longer period would help ensure admissible evidence and allow state prosecution when federal law no longer applies. Members asked whether there were public examples of cases lost to the current limitations period; the prosecutor said he was not aware of any publicly available examples, but maintained nine years was a reasonable period.
The committee also considered SB 2737, which would create a misdemeanor for failure by a state or county elected official to report bribery. The Department of the Attorney General offered comments and suggested changing the term to “public servant” for consistency with existing law. The Honolulu Prosecutor’s Office supported the intent but warned the reporting requirement could create Fifth Amendment issues for witnesses who might otherwise be useful in grand jury proceedings. The bill drew broad public support, with 33 supporters and no opposition noted.
Finally, the committee took up SB 3071, which revises sex trafficking and promoting prostitution statutes by redefining “profits from prostitution” and adding an affirmative defense for certain lawful transactions. The Public Defender opposed the measure, saying it still could reach people without the required criminal intent and that the affirmative defense language could be applied unevenly. The Attorney General and Honolulu Prosecutor supported the bill, saying it better addresses concerns raised by the State v. Ibarra decision while closing loopholes that allow traffickers to disguise profits as loans or gifts. The prosecutor emphasized that traffickers are sophisticated and can structure transactions to evade current law.
TX
Transcript Highlights:
- If long-term agreements that were entered into by private investment companies and lending criteria were
- Private capital, and to our lending communities.
- So, when a lender is going to lend on a particular property, they send out a third-party company that
- guarantees that this property is going to stay in compliance with affordability, they're not going to lend
Committee:
House Intergovernmental Affairs
Keywords:
housing finance, multifamily residential, low income, tax exemption, audit requirements, affordable housing, local government, development bonds, housing assistance, financial assistance, low income housing, community support, affordability, veterans housing, community involvement, air conditioning, tenant support, healthcare, elderly, taxation
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/03/26
Commerce and Consumer Protection
Transcript Highlights:
- Slick sales, predatory lending, and sick puppy sales cost Floridians the tune of $25 million in just
- Slick sales, predatory lending, and sick puppy sales cost Floridians the tune of $25 million in just
- Slick sales, predatory lending, and sick puppy sales cost Floridians the tune of $25 million in just
- Slick sales, predatory lending, and sick puppy sales cost Floridians the tune of $25 million in just
- Slick sales, predatory lending, and sick puppy sales cost Floridians the tune of $25 million in just
Committee:
Senate Commerce and Consumer Protection
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 3/26/25
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- that we would leverage multiple<01:47:59.560><c> times</c><01:47:59.920><c> to</c><01:48:00.040><c> lend
- </c><01:48:00.280><c> out</c><01:48:00.480><c> to</c> multiple times to lend out to multiple times to
- lend out to communities<01:48:01.920><c> uh</c><01:48:02.080><c> in</c><01:48:02.320><c> our</c><01:
- To do that work, we need capital to lend out.
- To do that work, we need capital to lend out.
AZ
Transcript Highlights:
- a payroll deduction to be significantly easier than having to charge on a credit card or risk overdrafting
Committees:
House Education , House House Education Committee of Reference
LA
Transcript Highlights:
- may be a statutory prohibition, or perhaps the purposes being defined differently is what does not lend
Committee:
House Appropriations
Summary:
The House Committee on Appropriations met on March 30, 2026, and first approved House Bill 27, a constitutional amendment by Rep. McMakin that would let non-recurring state monies be used to pay down state retirement system unfunded accrued liabilities without being limited to the oldest debt. McMakin said the change would allow the state to choose the most actuarially beneficial debt to retire. The committee also favorably reported House Bill 755 by Chairman Turner, which creates indefinite delivery/indefinite quantity professional services contracting for design work tied to deferred maintenance projects, and House Bill 308 by Rep. Bayham, which requires cash acceptance at certain state-owned stadium facilities unless a cash-conversion kiosk is available.
The committee then approved House Bill 311 by Rep. Kerner, which increases the dedication of insurance premium assessment revenue to the municipal fire and police civil service operating fund. Kerner said the Office of State Examiners now serves far more jurisdictions than when it was created and needs more funding to keep up with technology and workload. House Bill 417 by Rep. Zeringue was also reported favorably; it raises the cap on the hazardous waste site cleanup fund from $6 million to $8 million so DEQ can keep more dedicated revenue available for cleanup contracts instead of having excess amounts flow into the Environmental Trust Fund. Members questioned DEQ about the end of the Waste Tire Task Force and about how cleanup and tire-program stakeholder input would continue, but the bill itself was advanced.
House Bill 980 by Rep. Zeringue, which would expand and alter the membership of the Fireman Supplemental Pay Board, was favorably reported after discussion about ensuring board members are tied to supplemental pay and about possible further changes on the floor. House Bill 575 by Rep. Carver, which gives youth in extended foster care priority to buy surplus state vehicles, was also approved after Carver described the transportation barriers facing former foster youth; an amendment that would have moved them from first to second priority was withdrawn after committee concern. The committee then favorably reported House Bill 290 to reauthorize the Department of Treasury through July 1, 2031, and House Bill 382, which shifts review of certain matters from an oversight committee to the Joint Legislative Committee on the Budget to avoid a duplicative approval process. Several bills were adopted without objection, and the meeting adjourned after the final motions.
MO
Transcript Highlights:
- with the Missouri State Medical Association, a large trade association of physicians, want to just lend
Committee:
House Insurance and Banking
Summary:
The Insurance Committee first established a quorum and then went into executive session, where it voted House Bill 1615 and House Bill 2071 “do pass” with 11 ayes and no opposition on each bill, with one member present on the roll call. After returning to public session, the committee opened a hearing on House Bill 1647, sponsored by Representative Overcast, which was described as a fairness measure intended to prevent double recovery when insurance payments have already satisfied part of a claim. The sponsor and supporters said the bill was aimed at property damage claims and intercompany arbitration between insurers, though several members questioned whether the bill’s language was actually limited to property damage or instead reached broader collateral source issues and evidence rules.
Committee members, especially Representatives Butts, Zimmerman, and Castile, pressed the sponsor on how the bill would work in practice, whether it would reduce a plaintiff’s recovery or instead affect insurer subrogation rights, and why arbitration was being addressed in an evidentiary statute. Supporters from the Missouri Insurance Coalition and other industry groups said the bill would clarify offset rules, preserve voluntary insurer-to-insurer arbitration, and prevent inconsistent court treatment of prior payments. Opponents, including attorney Blake Heath, argued the bill was drafted too broadly, did not stay confined to property damage, and was placed in the wrong statutory section because these issues are usually handled through insurer subrogation rather than in a lawsuit by the injured party.
Additional support came from the Missouri State Medical Association, Associated Industries of Missouri, and the National Association of Mutual Insurance Companies, though some supporters also acknowledged the bill might need narrowing if the intent was property damage only. No vote was taken on House Bill 1647 during the hearing, and the committee adjourned after testimony concluded.
WA
Transcript Highlights:
- It really lends moral support to other efforts nationally to harmonize these codes.
Committee:
House Housing
WA
Washington 2025-2026 Regular Session
House Housing Feb 18th, 2026
Transcript Highlights:
- It really lends moral support to other efforts nationally to harmonize these codes.
Summary:
The committee heard three housing-related bills. SB 5937 would regulate smart access systems in rental housing by requiring landlords, on tenant request, to provide non-biometric and non-app-based alternatives such as physical keys, key fobs, or key cards, and by adding privacy-policy and data-minimization requirements for smart access systems. The bill’s sponsor and a tenant testified in support, describing concerns about app-based entry systems tracking movement and collecting personal data. The Washington Multifamily Housing Association testified neutral, saying the bill had been improved through stakeholder work and amendments that allowed privacy-policy links and delayed implementation until January 1, 2027. The hearing on the bill was closed with no vote taken.
The committee then heard ESSB 5156, which directs the State Building Code Council to allow smaller elevators in apartment buildings up to six stories and 24 units and creates a technical advisory group to review certain elevator safety requirements. The sponsor and several supporters argued the bill would reduce elevator costs, improve feasibility for small multifamily and middle-housing projects, and increase accessibility and age-friendly housing. The National Elevator Industry opposed the bill’s harmonization language in Section 2, paragraph 2, warning it could create ambiguity, multiple standards, and litigation, but said it would be neutral if that language were removed. Other industry and housing advocates supported the measure as a way to lower costs and expand housing supply. No action was taken during the hearing.
Finally, the committee heard SB 6237, which would require landlords to disclose flood risk information to tenants for leases entered into after December 31, 2026. The disclosure would note whether a property may be in a flood hazard area, where tenants can find county flood information, and that the landlord’s insurance does not cover tenants’ belongings. The Washington Multifamily Housing Association testified neutral, saying the bill had been narrowed to a more manageable disclosure and that removing a requirement to recommend flood insurance addressed concerns about landlords acting as insurance advisers. The hearing concluded without a vote, and the chair announced the committee would meet again the next day.
NV
Nevada 2025 Regular Session
Senate Committee on Commerce and Labor Jun 1st, 2025 at 08:00 am
Commerce and Labor
Transcript Highlights:
- The additional locations would allow brewpubs to expand our footprint and allow us to invest in and lend
Committee:
Senate Commerce and Labor
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2025-03-27
Commerce Finance and Policy
Transcript Highlights:
- Chair, this is nothing but a protection for those people so we don't have predatory lending here.
Committee:
House Commerce Finance and Policy
TX
Texas 89th Regular
Senate Committee on Health and Human Services (Part II) Feb 26th, 2025
Health & Human Services
Transcript Highlights:
- So we have physicians interested in all of these stages, and I think that could lend a new meaning. .
Committee:
Senate Health & Human Services