Video & Transcript Research : 'consumer lending'
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NH
Transcript Highlights:
- Now, who in their right mind would lend a second mortgage that, by the way, is usually non-recourse,
- And how this came about: I deal with a number of lenders, but Service Credit Union lends in many states
- a second mortgage that by the would lend a second mortgage that by the way<00:09:19.839>
is <00 - program right so private lenders lending program right so private lenders are<00:12:33.160>
lending - money to private development are lending money to private development and<00:12:36.120>
only <
FL
Florida 2025 Regular Session
October 15, 2025 - 11:30 AM
Transcript Highlights:
- category. 33 million inspections 18833 for grants and then obviously administration and education, consumer
- If you take the administration and slash fte cost there with the consumer awareness at that together
- then turning to obviously when you mentioned how the program works and I've spoken with Tom tons of consumers
- threaten not only the health of the insurance industry's, but also homebuilding real estate and mortgage lending
- companies are reporting their losses and, you know, I guess one of the issues that I have is I represent consumers
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (03/04/2025)
Transcript Highlights:
- It's really consumer protection.
- protection it really you really consumer protection it really you know<01:37:31.520>
consumers this is payday loaning you know lending this is payday loaning you know lending you<02:21:37.920- He said calling this payday lending or similar is not accurate.
- And the consumer, the commercial litigation financer, can’t override anybody.
Summary:
The subcommittee first reviewed its schedule, noting that 13 bills were being executed the next day and that additional subcommittee work would be scheduled around Town Meeting Day and the following session days. The chair explained that the committee would not meet on Town Meeting Day, would handle the remaining bills on the next available subcommittee day, and would continue any unfinished items later in the month.
The committee then took up House Bill 774, which concerned Medicare-related coverage issues. Members discussed the bill’s purpose and the differences between Medicare standard and Medicare Advantage, with one member saying the proposal was informative but did not offer a workable solution. The committee also moved to inexpedient to legislate on House Bill 185, and the motion passed on a 6-0 vote.
House Bill 241, relating to alternatives to opioids, was retained for further work. Members said the bill raised concerns about insurers effectively practicing medicine and about the lack of evidence on the efficacy of some alternative treatments, while also noting that chiropractic coverage mandates already exist in statute. The committee voted to retain the bill, with the motion passing 6-0.
The most extended discussion was on House Bill 648, which would expand insurance coverage for glucose monitoring. Testimony and committee comments focused on whether coverage should be tied to insulin use or instead to a physician’s medical judgment, the role of continuous glucose monitoring for people with type 2 diabetes who are not on insulin, and the potential cost impact. An insurance department fiscal analyst said the original $22-per-member estimate was based on the unamended bill and that the amended version would require updated analysis; members agreed to retain the bill to narrow the eligible population and revisit the language later.
NM
Transcript Highlights:
- That the executive recommended for 2 million from the Consumer Settlement Fund.
- Over the last three years, the Consumer Settlement Fund has grown.
- I mean, I know a lot of times I'll direct them to your consumer affairs division.
- They weren't able to talk to A live consumer advocate. That has changed.
- We also have a redeveloped website where we can take In consumer complaints of this type.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 5 on State Administration Mar 25th, 2025
Transcript Highlights:
- Our hearing will focus on Department of Housing and Community Development, Business, Consumer Services
- One, starting on the consumer protection side within the Department of Consumer Affairs alone.
- And it's all under the oversight of the Department of Consumer Affairs.
- So I'm going to start off by going through the California Consumer Protection Agency.
- California's consumers.
DE
Delaware 2025-2026 Regular Session
Senate Legislative Session - Session 2 - 41st Legislative Day Jun 25th, 2026 at 02:00 pm
Delaware Senate Floor Meeting
Transcript Highlights:
- The Deputy Attorney General is for the Consumer Protection Unit to do enforcement.
- Ryan, I think you said violation of the Consumer Protection Act, and then you said violation of the Consumer
- So with that said, I believe this protects the consumer even further.
- of potential breaches that can impact consumer data privacy rights.
- of potential breaches that can impact consumer data privacy rights.
DE
Delaware 2025-2026 Regular Session
Senate Legislative Session - Session 2 - 41st Legislative Day Jun 25th, 2026
Delaware Senate Floor Meeting
Transcript Highlights:
- The Deputy Attorney General is for the Consumer Protection Unit to do enforcement.
- Ng, I think you said violation of the Consumer Protection Act, and then you said violation of the Consumer
- It's the Consumer Fraud Act. Thank you. Senator Lawson: So there's seven FTEs or five? Mr. Ng.
- So with that said, I believe this protects the consumer even further.
- aware of potential breaches that can impact consumer data privacy rights.
Summary:
The Senate reconvened, received House communications and committee reports, and then took up several bills and a resolution. Committee reports covered measures on composting, volunteer background checks, campaign finance, the Delaware John Lewis Voting Rights Act, publication of Public Integrity Commission reports, Cheswold’s territorial limits, child support, alcohol and marijuana, salary supplements, certified registered nurse anesthetists, land use, school taxes, and a constitutional elections amendment. House Bill 344 and House Bill 444 were referred to the Senate Finance Committee. The Senate also confirmed the nomination of Christy N. Vitola as Commissioner of the Family Court by a 21-0 vote.
The chamber then recognized several fellows and Girls’ State delegates, with tributes to the Legislative Fellows Program and the Communications Fellowship, followed by House Concurrent Resolution 152 honoring the 2026 Delaware Girls’ State participants. The resolution passed unanimously. Senators and guests spoke about the civic value of the program and introduced the Girls’ State leadership team and delegates.
On legislation, the Senate passed House Bill 89, creating a dispute-resolution process for home improvement fraud and strengthening consumer protection enforcement; House Bill 381, requiring notice to the Attorney General of computer security breaches; House Substitute 1 for House Bill 407, making technical and penalty updates to the Hazardous Substance Cleanup Act; House Substitute 1 for House Bill 150, limiting civil arrests at courthouses and Industrial Accident Board offices; and House Substitute 2 for House Bill 94, restricting state and local participation in civil immigration enforcement at sensitive locations such as schools, houses of worship, and health care facilities, with emergency exceptions and reporting requirements. The Senate also began consideration of House Substitute 1 for House Bill 368, which would limit use of state and local resources for federal civil immigration enforcement while preserving exceptions for serious offenses and judicial warrants, but the transcript cuts off before final action on that bill.
OK
Transcript Highlights:
- So if they otherwise met the parameters of the loan program, yes, and an institution wanted to lend to
- Let's see, eligible lending institution, education service, linked deposit.
- So I see on page 10 that it says that the state of Oklahoma shall not be liable to any eligible lending
- But of course, unless they qualify first and a lending institution wants to participate in this program
- We have to remember that we're taking someone's hard-earned dollars and turning around and lending it
Keywords:
education funding, linked deposits, education infrastructure, charter schools, nonprofit organizations, Oklahoma Education Infrastructure Program, HB1242, cervidae, deer, elk, sales tax exemption, agricultural exemption, livestock, ranching, farm tax, agricultural sales tax, Oklahoma Tax Commission, agriculture, producer sales, private treaty
CA
California 2025-2026 Regular Session
Assembly Revenue and Taxation Committee Apr 27th, 2026
Revenue and Taxation
Transcript Highlights:
- AB 2705 protects taxpayers and consumers by establishing a uniform approach for contracts to locate,
- AB 2705 protects taxpayers and consumers by establishing a uniform approach for contracts to locate,
- And this bill has created a strong support... ...inadvertently leave consumers exposed, and this bill
- Now, the core issue, AB 2705, is a straightforward consumer protection measure.
- This bill does not protect consumers.
HI
Transcript Highlights:
- litigation more restrictive lending litigation more restrictive lending conditions<01:21:25.800>
- We feel that this bill strikes the perfect balance between consumer protection and protecting developers
- We feel that this bill strikes the perfect balance between consumer protection and protecting developers
- We feel that this bill strikes the perfect balance between consumer protection and protecting developers
- The proposed amendments aren't taking away any rights from the consumer.
Summary:
The Committee on Housing held a public hearing on January 31 and heard testimony on a series of housing and building-code bills. The first major item, HB 1 relating to building codes, drew sharply divided testimony. Supporters, including BIA Hawaii, Grassroot Institute, Dr. Horton, and several builders and trade groups, argued the current code-adoption process is slow, fragmented, and costly, and that reform would help housing production. Opponents, including Sierra Club Hawaii, AIA Hawaii, ICC, and labor representative Kiko Bosi, said the bill would weaken public safety, reduce statewide consistency, and could leave tenants and first responders at greater risk. No vote was taken during the hearing, and members asked questions about the effect of a governor’s emergency proclamation suspending the Building Code Council and about county authority over code amendments.
The committee then heard HB 745 and HB 1321, both also relating to building codes. Grassroot Institute supported both measures, saying the system is broken and needs streamlining, while BIA Hawaii and others emphasized the cost burden of repeated code updates. Opponents, especially Bosi and ICC, argued that the bills would undermine the State Building Code Council’s role, create confusion, and prioritize cost over safety; Bosi also said labor should be included in any code discussions. Members questioned whether counties can remove state code provisions and whether the state code already supersedes county codes, and one member noted the need for clarity and consistent enforcement rather than a wholesale overhaul.
Later, the committee heard HB 284 on housing, HB 761 on county permitting and inspection, and HB 738 on historic preservation. HB 284 drew support from several housing and real estate groups, while DLNR opposed it. On HB 761, HHFDC supported the bill, DLNR warned that the proposed changes could jeopardize Hawaii’s participation in the National Flood Insurance Program, DAGS said it would likely need to duplicate county permitting staff, and the Department of Planning and Permitting opposed it; Grassroot Institute and NAIOP supported it. For HB 738, HHFDC, DLNR, Grassroot Institute, Hawaii YIMBY, NAIOP, and others supported the measure, with Grassroot and NAIOP suggesting clarifications so expedited review would also cover mixed-use projects and better define the scope of work. The transcript does not show any final votes or committee action on these bills during the hearing.
NH
Transcript Highlights:
- we could do a better job of consumer we could do a better job of consumer protection protection
- :14.000>
predatory machines lend themselves to predatory machines lend themselves to predatory - It's anti-consumer because you're giving consumers fewer choices.
- There's a consumer instantaneously. There's a consumer complaint<01:57:08.960>
process. - We would get consumer complaints.
CA
California 2025-2026 Regular Session
Assembly Housing and Community Development Committee Jul 1st, 2026
Transcript Highlights:
- SB 996, as Senator Padilla shared, is a bill rooted in expanding financial services and consumer protections
- With a conventional mortgage, there is a full list of consumer protections that are afforded to mortgage
- of effective financing because it means that there is a lot more risk imbued into the process of lending
- Olivia Herrera, intern at Stone Advocacy, on behalf of Consumer Watchdog, in support. Thank you.
Summary:
The Assembly Housing and Community Development Committee heard several housing-related bills. SB 996 by Senator Padilla would let manufactured homeowners opt to title their homes as real property, with supporters saying this would improve access to conventional mortgages, consumer protections, and lower-cost financing. SB 866 by Senator Blakespear would require cities and counties to include homelessness-related information in their annual housing element reports, with supporters saying the bill would improve transparency, regional coordination, and accountability around homelessness funding and services.
The committee also heard SB 1090 by Senator Perez, which would impose a temporary moratorium in Altadena on certain state housing density laws after the Eaton Fire. Supporters, including Supervisor Catherine Barger and many Altadena residents, argued the bill would protect fire survivors from speculative investors and give families time to rebuild and return home. Opponents argued the bill could limit tools that homeowners need to finance rebuilding and could reduce future housing production. After extensive testimony, the committee passed SB 1090 to the Assembly Local Government Committee on a 10-0 vote.
SB 1388 by Senator Durazo would create an Affordable Housing Risk Reduction Program to help affordable housing providers reduce insurance costs through technical assistance and risk-mitigation support. Supporters said rising insurance premiums are threatening the viability of affordable housing developments and existing units. The committee also reconsidered and then voted on SB 1092, which was taken up only for reconsideration and final vote; after a split vote, the bill ultimately passed the committee. Final recorded votes showed SB 866 and SB 996 passing unanimously, SB 1388 passing with one no vote and one not voting, and SB 1092 passing 7-5 after reconsideration.
CA
California 2025-2026 Regular Session
Assembly Housing and Community Development Committee Jul 1st, 2026
Housing and Community Development
Transcript Highlights:
- SB 996, as Senator Padilla shared, is a bill rooted in expanding financial services and consumer protections
- With a conventional mortgage, there is a full list of consumer protections that are afforded to mortgage
- of effective financing because it means that there is a lot more risk imbued into the process of lending
- Olivia Herrera, intern at Stone Advocacy, on behalf of Consumer Watchdog, in support. Thank you.
NH
Transcript Highlights:
- We sell vegetables, seedlings, and fruit mostly direct to consumer.
- We sell vegetables, seedlings, and fruit mostly direct to consumer.
- We sell vegetables, seedlings, and fruit mostly direct to consumer.
- In other we consume is grown here.
- <01:50:18.719>
protection the AG's office, um consumer protection the AG's office, um consumer
TX
Transcript Highlights:
- consumable drops.
- hemp businesses and consumers.
- Next, we have Brian Lending, Haley Tarvin, Zachary Lending, and Alyssa Story. Yes.
- It's going to restrict consumer access to...
- I am a consumer of hemp products.
Keywords:
flash flood, flood warning, outdoor warning siren, emergency alert, disaster preparedness, flood mitigation, Hill Country floods, Texas Water Development Board, municipalities, counties, local government mandate, public safety, grant program, backup power, weather siren, emergency management, flood-prone area, warning system, hemp regulation, consumable products
LA
Transcript Highlights:
- It provides relative to the legislative intent of Louisiana and healthcare consumers' rights to know,
- It provides relative to the legislative intent of Louisiana and healthcare consumers' rights to know
- It just leads to consumers having their say in court if the hospital brings them to court.
- Consumers having their say in court if the hospital brings them to court.
- This is not meant to be a consumer-friendly document. It is very long. It is very complex.
Bills:
SB57, SB405, HB62, HB193, HB203, HB222, HB246, HB420, HB475, HB486, HB574, HB584, HB815, HB949, HB1092, HB1214
Keywords:
SB 57, Act 735, Act 463, nutrition, public health, food additives, artificial colors, banned chemicals, ingredient labeling, food labeling, FDA, food and beverage regulation, consumer disclosure, school nutrition, Louisiana Revised Statutes Title 40, Louisiana Revised Statutes Title 17, food manufacturers, food retailers, compliance, effective date delay
HI
Hawaii 2026 Regular Session
House Chamber - Wed Apr 22, 2026, 12:00PM HST - Day 49
Hawaii House Floor Meeting
Bills:
HB389, HB469, HB1510, HB1573, HB1705, HB1858, HB1875, HB1946, HB1961, HB1962, HB2001, HB2093, HB2096, HB2097
Keywords:
HB389, uncrewed aircraft, drone, drones, UAS, unmanned aerial vehicle, misuse of uncrewed aircraft, criminal offense, felony enhancement, drone crime, public safety, police, deputy sheriff, fire department, intoxicated operation, registration number tampering, property damage, bodily injury, Honolulu Prosecuting Attorney Package, Hawaii Revised Statutes
HI
Bills:
HB389, HB469, HB1510, HB1573, HB1705, HB1858, HB1875, HB1946, HB1961, HB1962, HB2001, HB2093, HB2096, HB2097
Keywords:
HB389, uncrewed aircraft, drone, drones, UAS, unmanned aerial vehicle, misuse of uncrewed aircraft, criminal offense, felony enhancement, drone crime, public safety, police, deputy sheriff, fire department, intoxicated operation, registration number tampering, property damage, bodily injury, Honolulu Prosecuting Attorney Package, Hawaii Revised Statutes
HI
Bills:
HB389, HB469, HB1510, HB1573, HB1705, HB1858, HB1875, HB1946, HB1961, HB1962, HB2001, HB2093, HB2096, HB2097
Keywords:
HB389, uncrewed aircraft, drone, drones, UAS, unmanned aerial vehicle, misuse of uncrewed aircraft, criminal offense, felony enhancement, drone crime, public safety, police, deputy sheriff, fire department, intoxicated operation, registration number tampering, property damage, bodily injury, Honolulu Prosecuting Attorney Package, Hawaii Revised Statutes
HI
Bills:
HB389, HB469, HB1510, HB1573, HB1705, HB1858, HB1875, HB1946, HB1961, HB1962, HB2001, HB2093, HB2096, HB2097
Keywords:
HB389, uncrewed aircraft, drone, drones, UAS, unmanned aerial vehicle, misuse of uncrewed aircraft, criminal offense, felony enhancement, drone crime, public safety, police, deputy sheriff, fire department, intoxicated operation, registration number tampering, property damage, bodily injury, Honolulu Prosecuting Attorney Package, Hawaii Revised Statutes