Transcript Highlights:

• <03:37:01.640><c> basically</c><03:37:01.960><c> cowed</c> banks and so the banks basically cowed banks
• </c> already existing for bank already existing for bank accounts<04:31:52.560><c> in</c><04:31:52.680
• That's the one in which they can confiscate a bank comp. They can compel the bank to comply.
• </c> there would be protections for your bank there would be protections for your bank account<04:36:
• </c> know we have a lot of very conservative know we have a lot of very conservative people<05:22:51.520

Summary: The discussion focused on a cannabis legalization/regulation bill and whether it should be retained for further study or moved forward. Members debated the fiscal impact, with one side emphasizing that the bill would cost about $7.1 million in the first two years before generating revenue, while supporters argued the House should make a statement in favor of legalization despite likely opposition from the Senate and governor. There was also disagreement over strategy: some said retaining the bill until closer to the next election would give the issue more visibility, while others said delaying would only avoid sending a bill the Senate was unlikely to take up anyway. A major point of contention was whether cannabis should be regulated by a new cannabis commission or placed under the Liquor Commission. Supporters of the Liquor Commission argued it already has enforcement infrastructure, especially for age restrictions, and could handle cannabis more efficiently without creating a new bureaucracy. Opponents said cannabis is a different industry that would require specialized expertise, and they objected to expanding the Liquor Commission, which they described as unpopular and costly. The committee also discussed past versions of the bill, including concerns about limited licenses and the perception that the earlier approach favored large businesses. Members reviewed specific provisions such as licensing fees, THC limits, and cultivation categories. One member noted a $10,000 fee for retail cannabis stores and cannabis product manufacturers authorized to perform extractions, while a smaller tier-one cultivator fee was described as a lower-cost option for small growers. There was also discussion of whether the bill would allow sales through general retail outlets or only dedicated cannabis stores, and whether plants and seeds were covered. No final vote or action was clearly recorded in the excerpt, but the main procedural question was whether to retain the bill for more work or advance it as written.

Transcript Highlights:

• So with that, I'll ask for a representative from the Bank of North Dakota.
• Are you representing the bank now, Senator? Okay, thank you.
• Fund buy-down programs, as well as maintaining adequate capital for the bank.
• For the record, Kelvin Hullet, Bank of North Dakota.
• So this could be potentially a little bit conservative on that matter.

Summary: The Leadership Division of the Budget Section approved the prior meeting minutes and then received an update from Senator Jonathan Sickler on the Cash Management Board’s interim work under House Bill 1278. He said the board has reviewed state cash, investments, and liquidity across agencies and concluded the state’s overall mix of long-term and short-term assets is appropriate, with about $35 billion in total liquid assets and investments and roughly 89% in longer-term investments. He highlighted process improvements already underway, including replacing more than 500 six-month CDs with a special-rate savings account to reduce administrative work, and said the board sees opportunities to improve forecasting, automation, and statewide coordination. Members asked about whether the CD change would increase returns, how the Legacy Fund transfer for the homestead tax relief bill affected earnings, and whether more state cash could be consolidated or better managed through BND; Sickler and BND staff said those issues are being studied and may lead to legislation for the 2027 session. Representative Nathan Toman then updated the committee on the Task Force on Government Efficiency. He said the group has focused less on cutting dollars and more on defining metrics and asking how the legislature knows whether programs are working. The task force is pushing a standard set of questions for new or expanding programs—who is affected, expected outcomes, alternatives, how success will be measured, and full funding—and OMB has agreed to require those answers in future budget requests. Members discussed possible use of dashboards, program evaluators, AI tools, and possible rule or statutory changes to require performance measurement. Toman said the task force will continue meeting with agencies such as the courts, university system, auditor, HHS, Commerce, and ITD to identify workflow bottlenecks and potential efficiencies. Phil Davis of Job Service North Dakota gave a workforce update, reporting that North Dakota’s unemployment rate is 2.5% and labor force participation is about 68.7%, both well above national performance. He described Job Service’s 15 workforce programs, including H-2A housing inspections for foreign agricultural workers, the job placement partnership program with DOCR, WOTC, and other federal and state workforce efforts. Davis said the agency served more than 11,000 individuals in 2025, operates nine workforce centers, and tracks outcomes through quarterly and annual reporting. In response to questions, he said job openings data reflect only positions in the system and may understate actual hiring needs, that child care and other assistance programs could be better tied to employment outcomes, and that the DOCR partnership has shown strong results with lower recidivism and higher earnings. He also said the H-2A inspection workload is growing quickly and additional staffing or less frequent federal inspection requirements could help. Allen Knutson then presented S&P Global’s updated revenue forecast. He said oil prices have risen sharply since the prior month’s outlook, improving the state’s near-term revenue picture, though the economy remains volatile and agriculture is facing weaker commodity prices. Based on the updated forecast, total major tax revenues for the current biennium are projected to be about $89 million above the legislative forecast, and the next biennium could be about $500 million higher, though that estimate is preliminary and may change. He also walked through an alternate oil-price scenario showing significantly higher oil and gas collections and a larger Strategic Investment Fund balance if prices remain elevated. Members asked whether another forecast should be requested once oil markets stabilize and about tribal allocation changes in the alternative scenario; Knutson said additional updates are possible through OMB and future forecast cycles.

Transcript Highlights:

• Basically, in closing, as a conservative organization, we believe in less government and home rule to
• a similar provision in the law for a franchisee of a McDonald's or a Burger King or a CVS or a TD Bank
• worldviews is considered parochial, whereas white, male, straight, conservative, evangelical worldviews
• worldviews is considered parochial, whereas white, male, straight, conservative, evangelical worldviews
• is going to, actually I think no bank is going to follow those policies.

Bills: S0484 , S0698 , S0706 , S0968 , S1118 , S1122 , S1134 , S1320 , S1342 , S1548 , S1614

Committee: Senate Community Affairs

Summary: The committee heard several housing, local government, utility, and transparency bills. SB 1342 on transportation infrastructure and land development regulations, by Sen. Rouson, was presented as a housing-affordability measure modeled on the Live Local Act for transit corridors. After adopting an amendment that removed the bill’s compelling-governmental-interest language in enforcement provisions, the committee heard testimony from local-government and housing interests both supporting and opposing the bill’s zoning preemption approach. The bill was reported favorably. The committee also reported favorably CS/SB 1614, by Sen. Leek, which was amended to remove stormwater and code-enforcement spending provisions and to tighten restrictions on local governments seeking state appropriations after audits or without required affirmations. SB 1548, the next Live Local Act iteration by Sen. Claddie Ude, was also reported favorably; it expands where Live Local projects may be located and adds fair-housing protections. SB 968 on home backup power systems, by Sen. McLean, was reported favorably after testimony from builders and energy-related stakeholders, with the sponsor noting he was still working on amendments to refine permit provisions. The committee then approved CS/SB 698, by Sen. Martin, which allows building permits for single-family homes to be issued before septic permits are finalized if application has been made, while still requiring septic approval before occupancy. Builders testified that septic permit delays were causing lengthy project delays and contract cancellations. The committee also reported favorably SB 1320, by Sen. Martin, requiring county tax-increase referenda to include a Department of Financial Services spending analysis if available; the sponsor said the goal was to give voters more standardized fiscal information, while opponents argued existing law already provides similar transparency. SB 484, by Sen. Avila, on data centers, was reported favorably after an amendment adding a knowledge requirement to the foreign-country-of-concern service prohibition; the bill addresses local planning authority, nondisclosure agreements, utility tariff requirements, and water-use limits for large data centers. The committee also reported favorably SB 1118, by Sen. Avila, creating a one-year public-records exemption for data-center location and proprietary information, with testimony split between economic-development supporters and transparency concerns. Finally, the committee took up SB 706, by Sen. Mayfield, preempting naming of major commercial service airports to the state and designating Palm Beach International Airport as Donald J. Trump International Airport subject to federal and trademark conditions; it was reported favorably after questions about local input and airport naming. The committee then heard extensive public testimony on SB 1134, by Sen. Yarbrough, which would prohibit counties and municipalities from funding, promoting, or taking official actions related to DEI and would create penalties and a private right of action for residents. The sponsor argued the bill was aimed at preventing taxpayer-funded DEI programs and cited examples from Jacksonville and other jurisdictions; opponents said the bill was vague, overbroad, and would chill local programs, public education, and civil-rights-related activities. The transcript ends during continued public testimony on SB 1134, with no final committee action shown in the excerpt.

Transcript Highlights:

• And if they did not disclose this at the time of sale of a home, for example, the banks would be in a
• Banks would be in a lot of trouble.
• Senate Bill 2887 by Cook, relating to consideration of water conservation by the Texas Commission on
• Senate Bill 2897 by Cook, relating to the adoption of a water conservation program by counties, to Local
• Senate Bill 2906 by Paxton, relating to limitations on the termination of banking services by certain

Bills: SJR12 , SJR81 , SCR39 , SB22 , SB32 , SB241 , SB393 , SB414 , SB458 , SB464 , SB568 , SB583 , SB609 , SB660 , SB693 , SB731 , SB732 , SB746 , SB783 , SB785 , SB897 , SB993 , SB996 , SB1008 , SB1029 , SB1035 , SB1036 , SB1120 , SB1122 , SB1147 , SB1163 , SB1188 , SB1197 , SB1209 , SB1227 , SB1245 , SB1267 , SB1307 , SB1321 , SB1332 , SB1386 , SB1394 , SB1396 , SB1470 , SB1494 , SB1537 , SB1596 , SB1598 , SB1610 , SB1664 , SB1814 , SB1822 , SB1841 , SB1948 , SB2065 , SB2155 , SB2406 , SB2407

Summary: The Senate opened with a quorum call, invocation, approval of routine motions, and the reading of gubernatorial nominations and several honorary resolutions. The chamber adopted resolutions recognizing Jack and Jill of America Day and DJ Daniel Day at the Capitol, with multiple senators offering remarks praising youth leadership, perseverance, and public service. The Senate also introduced the Doctor of the Day and then proceeded to a long series of floor actions on bills. A major focus was Committee Substitute for Senate Bill 568, which overhauls special education funding and services in public schools by moving from a placement-based model to an intensity-based system tied to student needs and IEPs. Senators Bettencourt, Creighton, and Menendez emphasized transparency, parent input, evaluation funding, dyslexia services, and better alignment of funding with actual services; Senator Hinojosa shared a personal story about dyslexia and the importance of early intervention. The bill was advanced on second and third reading and finally passed 30-0. The Senate also passed SB 1396 to prohibit national sex education standards in public schools, SB 2065 on the Texas Emergency Services Retirement System, SB 1664 requiring clearer public disclosure of transmission and distribution utility rate changes, SB 1029 on advertising certain used motor vehicles, SB 1120 expanding rights for family violence victims, SB 1036 regulating residential solar retail transactions, SB 464 creating school-proximity restrictions and penalties for tobacco and vaping sales, SB 1035 giving farmers and ranchers equitable relief from certain local agricultural regulations, SB 1610 addressing civil commitment facility safety and prosecution issues, SB 1197 extending drone restrictions to spaceports, and SB 1386 changing legislative witness immunity from transactional to testimonial immunity. Another major bill was Committee Substitute for Senate Bill 1188, which updates electronic health record requirements. Senator Kolkhorst said the bill builds on Texas medical privacy law by requiring U.S.-based storage of EMR data, prohibiting recording of voter registration status and credit score information, requiring provider verification and disclosure for AI-assisted diagnosis or treatment recommendations, preserving parental access to minors’ records until age 18, and ensuring EMRs can capture metabolic health and biological sex information. A floor amendment clarified the bill’s scope and enforcement, and the bill passed 23-7. Several measures drew debate, especially SB 414 on bond ballot transparency, where Senators Eckhardt and Menendez questioned whether requiring estimated interest and total debt cost on ballots could be misleading or difficult to implement because interest rates and financing terms can change before issuance or over time. The transcript ends during that discussion, with no final action shown on SB 414.

Transcript Highlights:

• THE CONSERVATION COMMISSION. REPRESENTATIVE SHOAF, YOU ARE RECOGNIZED TO EXPLAIN THE BILL.
• RELATING TO THE FISH AND WILDLIFE CONSERVATION COMMISSION. ARE THERE AMENDMENTS?
• By Commerce Committee and Banking and Representative...
• BEFORE I GET TO REPRESENTATIVE BANKS, THERE IS A RECOGNITION BY Representative F. Robinson.
• WHAT HAPPENED TO THE CONSERVATIVE VALUES? WHY DO WE NOW HAVE TO SORT THIS OUT TO SOMEONE ELSE?

Bills: SB 2 , HB 2 , HB 2000 , HB 2196 , HB 213 , HB 222 , HB 645 , HB 1458 , HB 1022 , HB 141 , HB 502 , HB 643 , HB 3093 , HB 1700 , HB 117 , SB 503 , SB 2 , HB 120 , HB 20 , HB 150 , HB 6 , HB 100 , HB 210 , HB 215 , HB 1393 , HB 1151 , HB 1268 , HB 142 , HB 451 , HB 124 , HB 2 , HB 2000 , HB 2196 , HB 213 , HB 222 , HB 645 , HB 1458 , HB 1022 , HB 141 , HB 502 , HB 643 , HB 3093 , HB 1700 , HB 117

Transcript Highlights:

• of all sizes—New Hampshire charter banks, national banks, out-of-state charter banks, and midsize banks
• state government is backing. >> So there's really not an incentive for a bank to be conservative with
• ; So not not conservative lending, uh conservative<01:00:14.640><c> underwriting.
• </c> conservative underwriting. conservative underwriting.
• </c> banks to charge lower interest rates? banks to charge lower interest rates? &gt;&gt; Possibly.

Committee: House Housing

Summary: The Housing Committee opened with a public hearing on HB 196, which would repeal the Housing Champion program. Representative Matt Drew, the prime sponsor, argued the program is an unnecessary and poorly targeted subsidy, saying it rewards municipalities after projects are completed and may not be limited to new housing production. He questioned the transparency of the program, cited difficulty finding required annual reports, and noted a fiscal note suggesting the state could recover up to $3 million if obligations are terminated. Committee members and witnesses debated whether the program’s criteria amount to political favoritism or a standard grant process; supporters said the rubric is specific and that municipalities are evaluated against objective requirements. Representative Priest, Nick Taylor of Housing Action New Hampshire, and Karen Benfield of Stay Work Play New Hampshire all opposed repeal, saying the program encourages local zoning and regulatory changes, helps smaller communities participate, and supports housing supply and young people’s ability to stay in the state. The hearing on HB 196 was then closed. The committee then opened a hearing on HB 1405, a bill establishing an affordable housing guarantee program within the Housing Finance Authority. Prime sponsor Representative Chris Muns said the bill would reduce lender risk by guaranteeing up to 80% of principal on qualifying loans for affordable housing, with a cap of $30 million per lender per year and $300 million outstanding at any time. He described the measure as a low-cost public-private partnership backed by the full faith and credit of the state, and said it was identical to a prior Senate bill that had received unanimous bipartisan committee support before dying later in the process. He framed the bill as one part of a broader housing package aimed at financing, infrastructure, workforce, zoning reform, and other housing-related issues. No votes were taken during the portion of the meeting provided. The only formal actions were opening and closing the public hearing on HB 196 and opening the public hearing on HB 1405, with testimony continuing on HB 1405 at the end of the transcript.

Transcript Highlights:

• bills, House Bill 1590 is now before the House for final passage: an act establishing a sick leave bank
• bills, House Bill 1590 is now before the House for final passage: an act establishing a sick leave bank
• bills, House Bill 1590 is now before the House for final passage: an act establishing a sick leave bank
• House Bill 23 / Senate Bill 23, an act authorizing the appointment of alternate members to the Conservation

Summary: The House opened with the Pledge of Allegiance and then concurred with a Senate referral of a petition by Joan B. Lovely to study discrimination in public accommodations for individuals with service animals, sending it to the Committee on Consumer, Children, Families, and Persons with Disabilities. The chamber also suspended Joint Rule 12 for two petitions by Adam J. Scanlon: one asking CHIA to analyze eliminating or capping copays for mental and behavioral health services, and another concerning no-cost calls for incarcerated individuals, referring them to the appropriate committees. The House then took up a slate of bills recommended by the Steering, Policy and Scheduling Committee and, after suspending Rule 7A, ordered several to third reading. These included Marnie’s Law on inflammatory breast cancer awareness in nursing education, Haverhill election bills, a New Salem election validation bill, Plymouth charter and digital legal notice bills, a Nantucket charter gender-neutrality bill, and a Nantucket land conveyance bill. The House also separately suspended Rule 7A for House Bill 2614 on medical parole and ordered it to third reading. On final passage, the House passed House Bill 4249 on vital statistics to be reenacted, adopted emergency preambles for House Bill 3388 designating September 22 as Military Service Members and Veterans Suicide Awareness and Remembrance Day and for House Bill 1024 concerning sewer service in Sharon, and passed House Bill 23/Senate Bill 23 on alternate members to the Squabskine Conservation Commission. The House also engrossed Senate Bill 1830 on continued employment for Herbert A. Chafee II in Brookfield, House Bill 4109 on harbor line changes in New Bedford Harbor, and House Bill 4524 renaming Williamsburg’s Board of Selectmen as the Select Board. The session ended with adoption of an order to adjourn and the House standing adjourned to meet Wednesday at 11 a.m. in informal session.

Transcript Highlights:

• So did thousands of federal employees who sought help from food banks to provide for their families.
• Center, 225,000. >> Hoy Good Food Alliance, 1 million. >> Family Law Clinic, 140,000. >> Hoy Food Bank
• Kauaii Food Bank, 95,000. Kahu Foundation, 83,000. Hulu EU Medical Youth Project, 250,000.
• Maui Food Bank, 895,000. Maui Hub, 45,000. Maui United Way, 100,000.
• Palihoa Conservation Initiative, 76,000. Partners in Development Foundation, 750,000.

Summary: The hearing was an informational briefing on Act 310, which set aside $50 million to support Hawaii nonprofits facing uncertainty, including organizations affected by federal funding disruptions. The chair and Senate co-chair thanked Aloha United Way for handling applications, as well as the governor, lieutenant governor, legislative leadership, and House and Senate members for helping craft the measure and review the needs statewide. They noted the process drew more than 200 applications totaling over $150 million, showing demand far exceeded available funds, and encouraged unsuccessful applicants to apply again through the regular grant-and-aid process in January. The Senate co-chair explained that the committee prioritized organizations serving healthcare, human services, education, the arts, food distribution, and at-risk populations, especially amid concerns about SNAP, WIC, federal employees, and possible future disruptions. The co-chair then read a long list of recommended awardees and funding amounts, including major allocations to groups such as Boys and Girls Club of the Big Island, Child and Family Service, Goodwill Industries of Hawaii, Hawaii Food Bank, The Food Basket, West Hawaii Community Health Center, and several YWCA and YMCA organizations, among many others. After the awards list was read, the chair asked for discussion or objections. Hearing none, the list of nonprofit awards was adopted, and the informational briefing was adjourned.

Transcript Highlights:

• We urge the committee to reject the ability to cancel ag conservation easements required to find mitigation
• We are concerned with the potential threats to agricultural conservation easements, which my clients
• I'm pleased to present AB 524, the Farmland Access and Conservation for Thriving Communities Act.
• This bill would create a new land access program at the Department of Conservation.
• That support bringing local food to schools, food banks, and more. No program has been spared.

Committee: House Agriculture

Transcript Highlights:

• Sportsmen and women pay for conservation, and they have enabled deer, turkey, elk, bighorn sheep, and
• I've been all over the world and I've seen what happens when there is no conservation, when there is
• I've been all over the world and I've seen what happens when there is no conservation, when there is
• </c> the in the conser or conservation world. the in the conser or conservation world.
• banking and Senate Bill 59. to banking and insurance,<01:28:42.639><c> Senate</c><01:28:42.960><c> Bills

Transcript Highlights:

• Massachusetts is currently experiencing a significant wave of bank mergers, such as Eastern Bank, HarborOne
• Bank, Brookline Bank, Berkshire, and many more, which raise concerns about the availability of capital
• If you're a smaller bank with less than $10 billion... ...say 25 cents.
• So I went to a local smaller bank, and that bank actually gave me the opportunity that I needed to really
• , we take the kinds of risks that banks will not take in our communities.

Committee: Joint Joint Committee on Community Development and Small Businesses

Summary: The Joint Committee on Community Development and Small Business held an informational hearing focused on the conditions facing small and micro businesses in Massachusetts and the state programs intended to support them. Chairs Andy Vargas and Adam Gomez opened by emphasizing equitable economic development, the importance of CDFIs, and the need to help underserved entrepreneurs, especially women, minorities, veterans, immigrants, and other groups facing barriers. Committee members noted the hearing would not take up bills, and testimony was limited to 10 minutes per organization. State and quasi-public agency witnesses described current programs and funding. Dico Gibral of the Executive Office of Economic Development highlighted the Business Front Door, multilingual access, small business office hours in Gateway Cities, and funding in the Mass Leads Act, including support for CDFIs, small business technology, and capital grants. Tom Hooper of Commonwealth Corporation described workforce training programs such as the Workforce Training Fund, Workforce Competitiveness Trust Fund, and Career Technical Initiative, saying they help small businesses train workers, fill labor shortages, and support returning citizens and people with disabilities. Committee members asked about federal funding uncertainty, workforce migration, training schedules, and program uptake. Business and advocacy groups focused on cost pressures and regulatory burdens. The Massachusetts Restaurant Association urged continuation of outdoor dining and takeout alcohol sales, and pressed for relief from high credit card swipe fees, support for surcharging, and streamlining municipal licensing. The Retailers Association of Massachusetts cited survey results showing inflation, utility costs, payroll taxes, health insurance, and interchange fees as major concerns, and said many members might sell or close within five years; it also backed ending the state prohibition on surcharging and creating an Office of Main Streets Massachusetts. MACDC, BECKMA, and the Coalition for an Equitable Economy emphasized the need for more technical assistance, CDFI and small business funding, and protections against rising costs, tariffs, supply chain disruptions, and immigration enforcement impacts on immigrant-heavy business districts. No votes were taken.

Transcript Highlights:

• I would say that there is a pressure campaign being advanced against banks.
• I serve as executive chair and chair of the board of directors of Eastern Bank.
• Eastern Bank, as many of you know, is the largest community bank headquartered in Massachusetts, with
• Eastern Bank has put up $250,000 against that particular ballot initiative.
• You just heard from the President of Eastern Bank that would be a 20% budget cut.

Bills: H5006 , H5007

Committee: Joint Special Joint Committee on Initiative Petitions

Summary: The Special Joint Committee on Initiative Petitions held a public hearing on two proposed ballot initiatives: one to reduce the state personal income tax rate from 5% to 4% over three years, and another to revise the state tax collection cap law (62F) so the cap would be based on the prior year’s actual collections plus wage-and-salary growth and would include surtax revenue. Committee chairs outlined the hearing process and noted that the measures would need additional signatures to qualify for the 2026 ballot if not enacted by the legislature. The committee’s expert witness, Doug Howgate of the Massachusetts Taxpayer Foundation, said the income tax proposal would lower the base rate in stages beginning in 2027 and would ultimately reduce state income tax collections by about $5.4 billion annually when fully implemented. He estimated savings would vary by income level, from a few hundred dollars for lower- and middle-income households to about $10,700 for taxpayers at the surtax threshold. He argued the proposal would improve tax competitiveness but would also require major budget adjustments, likely including reserve use, spending cuts, and possibly new revenue measures; he cited prior downturns and said the state’s rainy day fund is stronger than in past recessions, though spending growth and health care costs remain concerns. On the 62F proposal, he said rebasing the cap to prior-year collections would make refunds more likely, with modeled refunds totaling about $7.9 billion without the surtax and $10.1 billion with it over the last decade, and warned it could reduce stabilization fund deposits and constrain recovery after recessions. Proponents of both petitions, including representatives from Taxpayers for an Affordable Massachusetts, NFIB, Pioneer Institute, and the Mass Opportunity Alliance, argued that Massachusetts faces an affordability and competitiveness crisis and that lower taxes would help families, small businesses, job creation, and outmigration. They said the income tax cut would put about $1,300 a year back into the hands of average families, help pass-through businesses reinvest, and improve the state’s ability to compete with lower-tax states such as North Carolina. Their economist, Rebecca Paxton, presented a model projecting average annual revenue losses of about $680 million during the phase-in and a total net income tax revenue impact of $2 billion to $2.2 billion, while saying long-term revenue growth would be stronger after implementation. The hearing ended with committee questions and a brief dispute over a planned voter testimonial video, which the chairs said was not appropriate for the hearing at that point.

Transcript Highlights:

• My bank didn't reach out to me, but PNC, but I saw that there were other banks, and I thought, you know
• Bank granted that forbearance.
• So in our case for a non-bank servicer, the non-bank servicer, as the borrower is in forbearance, the
• Federally chartered banks.
• The majority of non-bank independent mortgage banks, we do government-backed loans.

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.

Transcript Highlights:

• From the Committee on Banking and Insurance, House Bill 296 receives a favorable report by vote of 17
• From the Committee on Banking and Insurance, House Bill 300 receives a favorable report by vote of 16
• </c><00:04:48.320><c> and</c> From the committee on banking and From the committee on banking and insurance
• </c><00:05:01.440><c> and</c> From the committee on banking and From the committee on banking and insurance
• </c><01:20:45.840><c> state</c> responsible, and conservative state responsible, and conservative state

Transcript Highlights:

• judgment creditor may recover funds from a debtor by compelling third parties such as the debtor's bank
• Compelling third parties, such as the debtor's bank or the debtor's employee.
• One of those forms is called an answer form, and it requires the garnishee, the employer, or the bank
• Next, we're going to hear from Lane Bradley, Russ Brown, and Brad Banks.
• Good morning, Chair Dhingra, members of the committee, Brad Banks here on behalf of the Association of

Bills: SB5865 , SB5880 , SB5912 , SB5837 , SB5855

Committee: Senate Law & Justice

Keywords: garnishment, debt, form standardization, financial protection, legal processes, toxicology testing, laboratories, accreditation, public health, standards, indigent defense, task force, criminal justice, legal aid, public defense, guardianship, conservatorship, protective arrangement, protective arrangements, supported decision-making

Transcript Highlights:

• So basically the thin strip of water between an oyster lease and the bank.
• All right, Patrick Banks, Patrick. Do you need to come up or not? Okay.
• Tanner McGee, Conservation Energy.
• Tanner McGee, Conservation Energy.
• because it was a conservation issue.

Committee: House Natural Resources & Environment

Transcript Highlights:

• My bank didn't reach out to me, but PNC, but I saw that there were other banks and I thought, you know
• Bank granted that forbearance.
• banks.
• The majority of non-bank independent mortgage banks, we do government-backed. That's our specialty.
• We have across bank, credit union, and our non-bank mortgage lenders and servicers.

Committee: House Banking and Finance

Transcript Highlights:

• and in perpetuity, it is conserved.
• lands stay in conservation.
• who conserved the state of Florida were your farmer and your rancher.
• We know that... ...this conserved land do for us? Well, it helps with flooding.
• The Lorax teaches kids the lesson of conservation.

Summary: The House opened with prayer, a moment of silence for former member Chester Clem, the Pledge of Allegiance, and quorum verification. Members then adopted the special order report and a Rules and Ethics Committee report amending House Rule 15.3 to allow fundraising under certain circumstances during extended or special sessions. The chamber also recognized Deputy First Class Stefano Gargano as law enforcement officer of the day and several visiting groups in the gallery. On the floor, HB 1405 on a statewide project for missing persons with special needs passed unanimously, 109-0. The House then took up CS/CS/CS/SB 290, the Department of Agriculture and Consumer Services bill, which drew questions about surplus conservation lands and oversight by the Acquisition and Restoration Council; it passed 94-10. CS/CS/CS/HB 905, the “Fire Act” on foreign influence, foreign-country-of-concern restrictions, critical infrastructure, gifts, contracts, sister city agreements, and related ethics and criminal provisions, passed 80-20 after debate and a germane amendment was adopted over objections. The House also passed CS/CS/HB 1197 on information technology procurement and contracting, aimed at modernizing oversight of major IT projects, by 109-0. CS/CS/CS/HB 399 on land use development and development regulations passed 71-38 after extensive debate over development fees, manufactured homes, and reducing local supermajority requirements for comprehensive plan changes; an amendment to preserve Orange County’s rural boundary vote failed, and a strike-all amendment was ruled out of order. Members then adopted a technical amendment clarifying manufactured homes language. Several local bills also advanced: HB 1103 on local administration of vessel restrictions passed 109-0; HB 4051 and HB 4053 on Santa Rosa County fire protection district assessments passed 84-25 and 83-27, respectively, after compromise amendments; HB 4081 on the East Point Water and Sewer District passed 110-0; and HB 4093 on the Felsmere Water Control District passed 109-0. The transcript ended as the House moved on to HB 4095, with no final action shown.

Transcript Highlights:

• My name is Zachary Sheldon, and I'm the policy manager for The Nature Conservancy, a conservation organization
• The Conservation Land Tax Credit allows individuals to donate lands with high conservation value, such
• This includes $244 million in private land value conserved and nearly 17,000 acres conserved across 155
• I was approved for the maximum conservation land tax credit.
• Before my conservation restriction was in place, at least one...

Committee: Joint Joint Committee on Revenue

Summary: The hearing opened with remarks from the co-chairs explaining committee procedures, testimony limits, submission instructions, and the new deadlines for acting on House and Senate bills. The committee then heard testimony on several bills related to agriculture, land use, environment, housing, transportation, and taxation, with legislators often taken out of turn. No votes were taken during the hearing. The first major topic was H. 3206, a bill to allow fossil fuel-free 529 college savings plans to qualify for the state tax deduction if MEFA does not offer a comparable option. Representative Steve Owens said the bill would not force MEFA or Fidelity to change existing plans, but would create a definition for fossil fuel-free funds and extend the deduction to qualifying out-of-state plans. The committee also heard strong local testimony on a Belmont home-rule petition, H. 3970, to change tax treatment for the Belmont Country Club under Chapter 61B. Belmont residents and officials argued the private golf course receives an unfair tax break that shifts costs to other taxpayers, while Senator Brownsberger and Representative Rogers supported the measure as a way to help the town recover revenue. Committee members asked about town meeting support, the club’s lack of payment in lieu of taxes, and the size of the tax savings. The committee next heard testimony on a vehicle miles traveled tax proposal, S. 1925, from Senator Barrett and economists Gilbert Metcalf and Christopher Knittel. They argued that declining gas-tax revenue and rising fuel efficiency, especially with electric vehicles, require a more stable transportation funding source; they also said a VMT tax could be designed to be revenue-neutral and mildly progressive, though members raised concerns about administration, fairness, EV disincentives, and the possibility of annual tax shocks. The largest block of testimony focused on the Ahead Act, H. 3194/S. 1973, which would double the deed excise fee and dedicate the new revenue to affordable housing and climate adaptation. Supporters from MACDC, MAPC, FICC, Boston Climate Action Network, CLF, 350 Mass, CHAPA, and a tenant advocate said the bill could generate about $300 million annually for housing production, vouchers, weatherization, resilience, and environmental justice communities, and that it links two urgent crises with a stable funding stream. The committee also heard testimony on the Conservation Land Tax Credit bills, H. 3147/S. 2083, which would raise the annual cap on the credit from $2 million to $5 million for three years and then sunset back down. Conservation groups and a landowner said the program has conserved thousands of acres and that the higher cap would reduce delays and help meet state conservation goals. Finally, the committee took testimony on the Fairness for Farm Workers bills, S. 2011/H. 3107 and S. 2012, which would extend overtime, minimum wage, breaks, and paid time off protections to farm workers and include a refundable tax credit to help farmers offset overtime costs. Senator Gomez and advocates described the bills as overdue civil rights and public health measures, citing low wages, long hours, dangerous conditions, and the racial history behind farm labor exclusions. The hearing also included testimony on H. 3240, a bill to give municipalities a local option vacancy tax on chronically vacant shopping malls, with the sponsor arguing it would help towns address blight, encourage redevelopment, and potentially create housing and tax revenue.

Transcript Highlights:

• Until 1950, the Kingdom of Jordan came up with the name West Bank. Okay.
• The Kingdom of Jordan came up with the name West Bank.
• And that's We talk about the West Bank not existing, the people exist.
• Currently, the West Bank exists. The people exist. They have a right to exist.
• And when I say the West Bank, I'm not talking about Muslims. There are Christians there.

Committee: Senate Senate Federalism and Family Law Committee of Reference

Summary: The committee first considered HB 2908, which would require any approved U.S. constitutional amendment to be ratified by a bill passed by the legislature and signed by the governor, and would impose oaths, reporting duties, civil penalties, and felony liability on “faithless” constitutional convention delegates. The committee adopted a Fincham amendment changing recall to disqualification and giving the Senate President and House Speaker authority to determine disqualification. Supporters argued the measure would add guardrails against a runaway Article 5 convention, while opponents said the safeguards would be ineffective and could falsely reassure the public. The bill, as amended, passed 4-3. The committee then took up HCR 2047, a resolution recognizing Judea and Samaria as the proper terms for the West Bank and rejecting that label in official state communications. Supporters framed it as a matter of historical and biblical accuracy, while opponents argued it injected the state into foreign policy and raised First Amendment concerns. The resolution passed 4-3. The committee next heard HCM 2006, urging Congress to reform the Endangered Species Act and Migratory Bird Conservation Act and to reduce burdens on ranchers affected by Mexican gray wolves and related federal rules. The sponsor and supporters said wolf recovery goals had been exceeded and that ranchers were suffering livestock losses, while opponents said existing compensation already exists and that the memorial mischaracterized endangered species protections. The memorial passed 4-3. HB 4042, dealing with paternity actions in termination-of-parental-rights cases by requiring service of the mother within the 30-day timeframe, drew no testimony and passed unanimously 7-0. The committee also approved HCM 2005, which urges Congress to consider restricting foreign ownership of U.S. real property by communist or authoritarian governments; supporters said it was a national security and land-use issue, while opponents criticized the measure as discriminatory. It passed 4-3. HCM 2001, urging the President and Congress to designate the Muslim Brotherhood as a foreign terrorist organization and directing Arizona law enforcement to identify linked groups, drew testimony from civil rights advocates and community members who said the measure stigmatized Muslims and exceeded state authority; supporters said it was a legitimate federal-policy memorial. It passed 4-3. Finally, HCM 2002, urging Congress to review CAIR for possible terrorist designation, prompted extensive opposition testimony from CAIR representatives and supporters who described the organization’s civil-rights work and warned the memorial would fuel discrimination; supporters argued it was a proper federal request and a response to concerns about CAIR. The memorial passed 4-3, and the committee adjourned.