Transcript Highlights:

• And of course, that's just to have insurance.
• Consider one insured family.
• I had insurance through my employer.
• that the federal labeling is not doing its job.
• Current federal law is sufficient to label these items.

Summary: The committee held public hearings on several bills. SB 5720 would enact the Uniform Consumer Debt Default Judgments Act, adding complaint and notice requirements before default judgments in consumer debt cases and preserving existing debt-buyer protections; the sponsor and witnesses from consumer and collection groups described it as a compromise measure, and there was broad support with 53 people signed in pro. SB 5833 would allow a vehicle to remain running for up to 30 minutes to keep a pet safe from heat or cold; the sponsor said he would amend liability language, while animal control and police groups raised concerns about shifting the focus away from animal welfare and creating liability issues, though many sign-ins were pro (107 pro, 4 con). SB 5936 would update human trafficking law by allowing prosecution of business entities that knowingly benefit from trafficking, adding confidentiality protections for victims, and creating a process for T and U visa certifications; survivors and advocacy groups supported it, while hospitality and law enforcement groups asked for clarifying amendments, especially on business liability and duplicative visa procedures, and sign-ins showed 24 pro and 283 con. SB 5993 would prohibit interest on new and unpaid medical debt and shorten enforcement of judgments involving medical debt to six years without renewal; supporters said it would reduce financial harm and help patients, while hospitals, physicians, collectors, and business groups warned it could discourage payment and worsen provider finances, especially for rural hospitals, with 129 sign-ins pro and no con sign-ins. Finally, SB 5735 would create state standards for labeling imitation firearms, including BB guns and toy guns, with advisories and penalties for altered markings; the sponsor said it was intended to reduce mistaken shootings, while gun-rights and firearms-training witnesses argued federal law already covers the issue and that the bill would burden lawful training and competition, with 8 pro and 184 con sign-ins. The committee closed each public hearing and adjourned without recorded votes on the bills.

Transcript Highlights:

• benefits are assigned or transferred from the insured to another person.
• However, they're not insurance professionals.
• been pressured to sign documents before contacting their insurance company.
• You won't have to worry about anything with the insurance company.
• litigation against their own insurance companies for over a decade.

Summary: The Consumer Protection and Business Committee held public hearings on three Senate bills. SB 5831, the Uniform Mortgage Modification Act, was explained by staff as creating safe harbors so certain mortgage modifications would not alter lien priority or require re-recording; the prime sponsor said it would reduce uncertainty and legal costs. No one testified on the bill. SB 6091, concerning real estate brokers marketing residential properties to exclusive groups, was described as requiring concurrent public marketing when brokers market to limited groups, while allowing private marketing so long as the public also has access; the sponsor and supporters said it would promote fair, open housing markets and reduce pocket listings that can reinforce exclusion. SB 6178, prohibiting post-loss assignment of benefits in property insurance, was presented as protecting homeowners after disasters from signing away policy rights to contractors; the sponsor, the Office of the Insurance Commissioner, the National Insurance Crime Bureau, and the Washington State Association for Justice supported the bill, while discussion focused on whether the $50,000 penalty should distinguish between intentional and unintentional violations. For SB 6178, the Office of the Insurance Commissioner said it has seen more complaints about policyholders being pressured to sign documents before contacting insurers and said the bill would help keep homeowners in control of claims. Testifiers emphasized that contractors play an important role in repairs but should not take over first-party insurance claims, and one witness noted the bill would not prevent direct payment arrangements to contractors. Committee members asked about penalties and whether a cooling-off period or other alternatives might address concerns about good-faith contractors. For SB 6091, supporters including Zillow, Washington Realtors, Habitat for Humanity, Windermere, and the Fair Housing Center of Washington argued that exclusive or pocket listings can reduce transparency, limit competition, and worsen housing inequities. They said the bill still allows private marketing and open houses, but requires public availability as well, and does not force owners to allow access to their property. A rental housing representative asked for an amendment to remove a reference to leases, saying the bill should not unintentionally apply to rental providers who are not brokers. The committee closed public hearings on all three bills and ended the meeting with birthday recognition for two members.

Transcript Highlights:

• , proof of insurance.
• It's Cambridge Mobile Telematics through your insurance... No.
• “Well, we're hoping to get some feedback from Federal Highway and the Federal Department of Interior
• “Well, we're hoping to get some feedback from Federal Highway and Federal Department of the Interior
• Salvaged title and transferring that ownership over to an insurance company as part of an insurance settlement

Bills: SJM8016 , SB6230 , SB5234 , SB6081 , SB6265 , SB6170 , SB6131 , SB6155 , SB6176 , SB6238 , SB6253 , SB6311 , SB6032 , SB6262

Committee: Senate Transportation

Keywords: bridge repair, infrastructure, emergency funding, transportation, public safety, cash transactions, pennies, currency, economic efficiency, financial regulation, snowmobile, snowmobile registration, vehicle registration fees, registration fee, Department of Licensing, DOL, recreational vehicles, winter recreation, vintage snowmobile, parks and recreation

Transcript Highlights:

• Under previous federal administrations, we saw significant changes.
• of what's happening right now with Medicaid, the high-risk insurance pool.
• I don't know that we had too many indigents that had insurance at any time.
• And so are we going to say that the county could purchase insurance for indigents?
• No, the insurance would be purchased by the county for the person.

Committee: House House Appropriations & Finance

Transcript Highlights:

• First, we pay federal taxes.
• So, in simple terms, federal contractors are not the federal government.
• So instead of us respecting federal law, we are trying to punish the people that the federal government
• The federal government sued.
• Of course, we know large employers are already required to offer health insurance under federal law,

Keywords: 1146, all

Transcript Highlights:

• Casualty insurance policies.
• If an insurance company, at the time that the insurance coverage contract was entered into, offered services
• That is covered by insurance.
• in our federal government?
• So, federal law currently already prohibits non-citizen voting. In federal elections, correct?

Bills: HB46 , HJR35 , HJR47 , HJR182 , HB 113 , HB983 , HB4847 , HB1449 , HB3833 , HB5151 , HB265 , HB1845 , HB782 , HB 108 , HB1960 , HB158 , HB1954 , HB1955 , HB2512 , HB605 , HB2581 , HB2803 , HB627 , HB2667 , HB1738 , HB636 , HB3679 , HB2638 , HB2655 , HB871 , HB2438 , HB 1107 , HB1765 , HB1822 , HB2153 , HB4099 , HB3732 , HB3171 , HB3178 , HB3182 , HB3749 , HB2814 , HB3977 , HB4204 , HB4207 , HB4449 , HB1820 , HB1876 , HB1939 , HB1347 , HB2593 , HB2136 , HB2132 , HB2658 , HB2413 , HB2757 , HB2080 , HB3154 , HB3063 , HB3009 , HB3448 , HB3006 , HB2844 , HB3241 , HB3680 , HB3169 , HB2078 , HB2507 , HB4559 , HB3946 , HB3460 , HB3405 , HB475 , HB3463 , HB3441 , HB3520 , HB2060 , HB4731 , HB4991 , HB1991 , HB5596 , HB2014 , HB2142 , HB2673 , HB2731 , HB2417 , HB2399 , HB2301 , HB3335 , HB3234 , HB3320 , HB5573 , HB4848 , HB4748 , HB4769 , HB4795 , HB2086 , HB2234 , HB2203 , HB4916 , HB5624 , HB4505 , HB139 , HB5093 , HB5302 , HB5402 , HB5606 , HB2333 , HB4630 , HB4701 , HB2583 , HB2983 , HB4924 , HB3339 , HB3793 , HB3631 , HB4882 , HB5509 , HB5499 , HB5430 , HB5561 , HB5611 , HB5043 , HB5064 , HB3733 , HB3781 , HB3219 , HB32 , HB4515 , HB5348 , HR559 , HB4506 , HB1646 , HB3185 , HB3388 , HB2761 , HB3233 , HB1534 , HB5129 , HB5394 , HB3619 , HB2867 , HB3672 , HB2434 , HB4903 , HB3687 , HB3675 , HB4609 , HB4582 , HB3866 , HB4534 , HB2446 , HB3984 , HB700 , HB4088 , HB229 , SB2419 , SB842 , SB1257 , SB2550 , SB996 , HB 1186 , HB4327 , HB3221 , HB2588 , SB552 , HB4870 , HB2494 , HB3940 , HB4838 , HB3177 , HB1441 , SB1841 , HB3962 , HB2225 , HJR112 , HB897 , HB2695 , HB4670 , HB3602 , HB3317 , HB3717 , HB3138 , HB3704 , HB1403 , HJR218 , HB4921 , SJR37 , HJR138 , HJR144 , HB3892 , HB4 , HB46 , HJR35 , HJR47 , HJR182 , HB4234 , HB722 , HB4136 , HB4105 , HB4413 , HB170 , HB551 , HB2858 , HB3053 , HB3142 , HB3180 , HB3722 , HB2200 , HB1794 , HB1784 , HB1581 , HB2530 , HB4308 , HB1896 , HB2974 , HB3359 , HB4580 , HB2458 , HB2215 , HB3332 , HB2278 , HB3015 , HB3151 , HB1368 , HB40 , HB 101 , HB 112 , HB146 , HB168 , HB214 , HB413 , HB1523 , HB493 , HB521 , HB594 , HB557 , HB305 , HB549 , HB854 , HB 1057 , HB 1052 , HB842 , HB3174 , HB3311 , HB2486 , HB3196 , HB824 , HB 1039 , HB2529 , HB2713 , HB4936 , HB4995 , HB4830 , HB4864 , HB5219 , HB5263 , HB5154 , HB2674 , HB5525 , HB5623 , HB2545 , HB2587 , HB2625 , HB5520 , HB5436 , HB4926 , HB1573 , HB5165 , HB4811 , HB5081 , HB4755 , HB3179 , HB4310 , HB4611 , HB2159 , HB4626 , HB3637 , HB3153 , HB3066 , HB2786 , HB2966 , HB638 , HB640 , HB876 , HB497 , HB5539 , HB4809 , HB5308 , HB4687 , HB4070 , HB4421 , HB4412 , HB3284 , HB3369 , HB3420 , HB3449 , HB4098 , HB4281 , HB4120 , HB4504 , HB4370 , HB 1106 , HB2370 , HB2404 , HB3863 , HB2407 , HB2253 , HB2273 , HB2040 , HB1586 , HB3788 , HB3993 , HB4690 , HB4309 , HB4696 , HB2308 , HB 1142 , HB1533 , HB1621 , HB2242 , HB2012 , HB2193 , HB2442 , HB2464 , HB2348 , HB2313 , HB2289 , HB1942 , HB2011 , HB1629 , HB2993 , HB3592 , HB3824 , HB4076 , HB4535 , HB4623 , HB4773 , HB 1091 , HB5115 , HB5515 , HB3372 , HB5659 , HB 127 , HB386 , HB 115 , HB2868 , HB 1249 , HB4766 , HB3720 , HB4656 , HB4879 , HB 105 , HB5383 , HB4621 , HB5431 , HB5678 , HB5534 , HB4174 , HB4212 , HB3954 , HB3966 , HB3636 , HB3918 , HB1422 , HB4765 , HB4732 , HB4742 , HB5122 , HB4518 , HB5084 , HB3986 , HB4045 , HB4144 , HB3911 , HB3976 , HB4473 , HB3425 , HB3641 , HB3642 , HB3475 , HB3509 , HB3424 , HB3383 , HB4744 , HB4531 , HB4539 , HB3159 , HB5228 , HB5370 , HB4359 , HB4398 , HB4443 , HB4466 , HB3861 , HB3849 , HB4240 , HB4706 , HB4685 , HB5354 , HB5141 , HB5686 , HB3629 , HB3554 , HB3567 , HB2015 , HB3575 , HB5381 , HB1431 , HB3514 , HB4614 , HB4546 , HB4683 , HB5681 , HB5673 , HB5663 , HB4271 , HB4350 , HB4035 , HB3807 , HB3812 , HB3552 , HB3540 , HB3715 , HB3710 , HB3664 , HB4196 , HB4233 , HB4173 , HB1998 , HB3333 , HB3510 , HB4222 , HB2070 , HB2854 , HB2347 , HB 113 , HB983 , HB4847 , HB1449 , HB3833 , HB5151 , HB265 , HB1845 , HB782 , HB 108 , HB1960 , HB158 , HB1954 , HB1955 , HB2512 , HB605 , HB2581 , HB2803 , HB627 , HB2667 , HB1738 , HB636 , HB3679 , HB2638 , HB2655 , HB871 , HB2438 , HB 1107 , HB1765 , HB1822 , HB2153 , HB4099 , HB3732 , HB3171 , HB3178 , HB3182 , HB3749 , HB2814 , HB3977 , HB4204 , HB4207 , HB4449 , HB1820 , HB1876 , HB1939 , HB1347 , HB2593 , HB2136 , HB2132 , HB2658 , HB2413 , HB2757 , HB2080 , HB3154 , HB3063 , HB3009 , HB3448 , HB3006 , HB2844 , HB3241 , HB3680 , HB3169 , HB2078 , HB2507 , HB4559 , HB3946 , HB3460 , HB3405 , HB475 , HB3463 , HB3441 , HB3520 , HB2060 , HB4731 , HB4991 , HB1991 , HB5596 , HB2014 , HB2142 , HB2673 , HB2731 , HB2417 , HB2399 , HB2301 , HB3335 , HB3234 , HB3320 , HB5573 , HB4848 , HB4748 , HB4769 , HB4795 , HB2086 , HB2234 , HB2203 , HB4916 , HB5624 , HB4505 , HB139 , HB5093 , HB5302 , HB5402 , HB5606 , HB2333 , HB4630 , HB4701 , HB2583 , HB2983 , HB4924 , HB3339 , HB3793 , HB3631 , HB4882 , HB5509 , HB5499 , HB5430 , HB5561 , HB5611 , HB5043 , HB5064 , HB3733 , HB3781 , HB3219 , HB32 , HB4515 , HB5348 , HCR76 , HCR127 , HCR9 , HCR40 , HCR118 , HR559

Keywords: low-THC cannabis, dispensing organization, Texas Compassionate-Use Program, medical use, patient access, registration, healthcare, legislation, Grow Texas fund, economic stabilization, infrastructure, oil and gas, constitutional amendment, severance tax, Texas STRONG defense fund, funding, public health, workforce development, revenue transfer, Veterans' Land Board

Transcript Highlights:

• As a result, general liability insurance for private contract security companies, particularly armed
• As a result, general liability insurance for private contract security companies, particularly armed
• As a result, general liability insurance for private contract security companies, particularly armed
• Armed Security Office.
• Their grants they get from the federal government would not be affected because federal law does not

Committee: House Civil Law and Procedure

Summary: The committee first considered HB 446 by Rep. Boyer, a constitutional amendment to set eligible dates for local bond and tax elections. Staff said it would amend Article 6, Section 22, could not be done statutorily, and was scheduled for November 3, 2026 to maximize turnout. The committee adopted the 6.8A report and reported the bill without amendments. Members then took up several constitutional amendments and civil law measures, including HB 244 on constitutional conventions, HB 214 on a property tax exemption for rehabilitated blighted or derelict property, HB 514 on an additional senior homestead-style ad valorem exemption, HB 27 on how non-recurring state monies may be applied to retirement system unfunded liabilities, and HB 225 on gubernatorial term limits. HB 244 and HB 225 were amended before being reported, while HB 214, HB 514, and HB 27 were reported favorably without amendments. The committee also adopted SB 127, which allows limited curator donations on behalf of interdicted persons and narrows forced heirship in certain disability-related estate planning situations. The committee approved HB 1043, as amended, to raise the civil jurisdictional amount for the First and Second Parish Courts of Jefferson Parish from $20,000 to $35,000. It also approved HB 473 by substitute on custody and child support, with the substitute preserving language that physical custody should be shared equally unless the court finds that infeasible or not in the child’s best interest. HB 71, which extends certain self-defense liability protections to registered armed private security officers, drew opposition over training and public safety concerns but was reported favorably after a roll call vote of 8 yeas and 1 nay. The committee also advanced HB 1082, which would require the Municipal Police Employees’ Retirement System to sue municipalities in the local parish rather than East Baton Rouge when it is the plaintiff. Supporters said the current venue rule burdens small towns with travel and litigation costs; opponents argued Article 84 provides a consistent statewide venue and that the litigation is largely about municipalities failing to enroll officers properly. Finally, the committee heard extensive testimony on HB 306, which concerns court costs and fees in domestic abuse cases; members worked through a concept amendment to restore “reasonable” attorney’s fees and add court-approved evaluation and expert witness fees, and the discussion continued with testimony about federal grant compliance and victim protections.

Transcript Highlights:

• There's the self-insured plans and there's the fully insured plans, which are basically insured through
• And because the policy, the science, is so far ahead of the policy, insurance, in many cases, insurers
• However, commercial insurance members want and need doula However, commercial insurance members want
• So we all know it's a known brander for private insurances and commercial insurance to also be covering
• stopped taking insurance altogether.

Committee: Joint Joint Committee on Financial Services

Keywords: 995, all

Summary: The Joint Committee on Financial Services held a lengthy public hearing with testimony on a wide range of health insurance and access-to-care bills. Early testimony focused on prescription drug pricing and pharmacy reimbursement, with supporters of H. 1326 arguing that pharmacy benefit managers and MassHealth managed care arrangements reimburse independent pharmacies too little, contributing to pharmacy closures and “pharmacy deserts.” The committee also heard repeated support for H. 1151/S. 742 on cognitive rehabilitation for acquired brain injury, H. 1288/S. 716 on telehealth parity for nutrition counseling, H. 1309/S. 761 on full-spectrum pregnancy care without cost-sharing, H. 1312 on insurance coverage for doula services, H. 309 on prompt access to health care by removing deductibles for certain services, H. 809/H. 1227 on biomarker testing, H. 1162/S. 810 on reducing inequities in access to medical procedures by limiting insurer cuts tied to Modifier 25, and S. 726 on insurance coverage for mobile integrated health. Testifiers included legislators, physicians, pharmacists, dietitians, emergency and rehabilitation clinicians, and patients and family members. Supporters of the brain injury bill said cognitive rehabilitation is medically necessary, improves long-term outcomes, and can reduce institutional care and public costs; they noted the bill has been heard repeatedly and has support from the Brain Injury Commission and prior favorable committee action. Supporters of the pregnancy care and doula bills described out-of-pocket costs as a barrier to maternal health and shared personal stories of high bills and unmet support needs. Biomarker testing advocates and cancer patients said coverage gaps deny patients access to precision treatment, can lead to avoidable suffering, and should be standardized across insurers; several speakers said insurers often deny claims despite clinical benefit. Dermatology witnesses said insurers’ use of Modifier 25 cuts reimbursement for same-day evaluation and procedure visits, forcing separate appointments and increasing patient burden. Mobile integrated health supporters described home-based care as a way to reduce emergency department use and hospital readmissions, especially for patients with transportation or mobility barriers. No votes or formal committee actions were taken during the hearing itself.

Transcript Highlights:

• I especially want to recognize the courage and sacrifice of the security guard, Amin Abdullah, who gave
• SB 1306 aligns California law with existing federal exemptions for certain.
• Madam President, members, the Insurance Commissioner occasionally conducts examinations of insurers to
• This bill would allow the Insurance Commissioner to assess a fine on an insurer for failing to address
• This bill would allow the Insurance Commissioner to assess a fine on an insurer for failing to address

Keywords: 987, senate, all

Transcript Highlights:

• </c> time enforcing federal law. time enforcing federal law.
• systems</c> insurance uh medical insurance systems insurance uh medical insurance systems in<02:45:57.400
• </c> Affairs Insurance Division. Affairs Insurance Division.
• </c> health insurance coverages. health insurance coverages.
• Insurance<05:05:20.280><c> rates</c> Insurance rates Insurance rates making<05:05:21.840><c> needs</c

Keywords: 910, house, all

Transcript Highlights:

• It aims to integrate state oversight with federal standards, specifically the Federal Genius Act, to
• Captive insurance companies are a specialized form of self-insurance, allowing a business to create its
• Captive insurance companies are a specialized form of self-insurance, allowing a business to create its
• It requires insurance carriers, traditional insurance carriers, now to also compete with private carriers
• The insurance industry in Florida is huge.

Bills: S0314 , S0530 , S0576 , S0800 , S0990 , S1078 , S1440 , S1568 , S1588 , S1614

Committee: Senate Appropriations Committee on Agriculture, Environment, and General Government

Keywords: payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, Florida lottery, state lottery, lottery tickets, lottery retailer, Department of the Lottery, Division of Security, ball machine, lottery vending machine, instant tickets, online lottery tickets, major procurement, vendor disclosure, performance bond, retailer bond

Summary: The committee heard and advanced several bills related to engineering regulation, cybersecurity, financial services, and state administration. CS/SB 800 would increase penalties for repeated unlicensed engineering practice and create an engineering student loan assistance program funded by licensure fees and fines; it was reported favorably after questions about whether it would reimburse victims of unlicensed practitioners, with the sponsor noting it would not and that affected individuals would need to pursue complaints and private legal action. CS/SB 576 created a local government cybersecurity protection program administered by Florida Digital Service, with state purchasing of cybersecurity services and priority for fiscally constrained counties; it received support from local government and industry groups and was reported favorably. CS/SB 1078 set transition requirements for gubernatorial administrations, including liaisons, briefing books, office space, IT access, and controlled access to agency records under a memorandum of understanding, and it also passed favorably. The committee also approved CS/SB 314, which creates a regulatory framework for payment stablecoin issuers in Florida, and CS/SB 530, which updates lottery operations, security, retailer rules, and bonding requirements. CS/SB 1614, after adoption of a technical substitute amendment, would limit local governments’ eligibility for certain state funding if they have excess funds, have recently been audited by the legislative audit committee, or fail to affirm expenditure of prior funds; the sponsor said it would give the Joint Legislative Auditing Committee more enforcement leverage, and the bill was reported favorably. CS/SB 990 authorizes protective cell captive insurance companies to expand insurance market capacity and potentially lower premiums, while CS/SB 1588 is a step toward implementing last session’s gold and silver legal tender law; both were reported favorably. Additional bills passed included CS/SB 1440, which adds cybersecurity-related exemptions and reporting provisions for financial institutions, loan originators, and money service businesses, and CS/SB 1568, which creates a Florida Stable Coin Pilot Program allowing DFS fees to be paid with approved stablecoins. The stablecoin bill was amended to add guardrails, including fee limits, website notice requirements, and restrictions if no approved issuers are available. The committee also received a brief budget overview highlighting major funding items such as Florida Forever, Everglades restoration, water quality, Farmers Feeding Florida, citrus recovery, school lunches, state parks, and law enforcement and staffing items, and members later recorded additional votes before the committee adjourned.

Transcript Highlights:

• Members, the Children's Health Insurance Program is a joint federal and state program.
• Members, the Children's Health Insurance Program is a joint federal and state program that provides a
• or joint federal-state.
• But again, overall, All federal or joint federal-state.
• Again, real quick here, the two main federally authorized subsidized health insurance programs, again

Summary: The committee received a briefing from AHCA Deputy Secretary Brian Meyer and Florida Healthy Kids CMO Ashley Carr on implementation of HB 121, which was enacted in 2023 to expand Florida’s KidCare/CHIP eligibility from 200% to 300% of the federal poverty level and replace the sharp premium “benefits cliff” with a tiered premium glide path. Sponsor Rep. Bartleman described the bill as a bipartisan effort to help working families keep children insured while moving toward economic self-sufficiency. The presenters explained that the program remains a joint federal-state structure, with Medicaid unchanged and the bill affecting only the CHIP-related portions of KidCare. AHCA said implementation has been delayed by federal CMS actions. The agency reported that CMS first rejected a state plan amendment approach, then required revisions to the premium tiers under a new maintenance-of-effort interpretation, and later issued a new interpretation of continuous 12-month eligibility that would prevent disenrollment for nonpayment of premiums. AHCA said it submitted an 1115 waiver, but negotiations over special terms and conditions reached an impasse, and the state has filed litigation challenging CMS’s interpretation. Members asked about the cost of litigation, the effect on future bills, the review process for CMS documents, disenrollment and reenrollment rules, and whether any additional legislative action is needed; AHCA said no further state action is needed at this time and that the key issue is the pending federal litigation. Several members and the sponsor emphasized the need for immediate implementation and asked about possible interim relief. AHCA said current coverage remains in place under the preexisting program, that there is a 30-day grace period for premium payment, and that reenrollment does not require a penalty or back payment, though coverage is not active during lapsed periods. The committee also heard public comment from Nicholas Hessing of the Children’s Services Council of Broward County and the Florida Alliance of Children’s Councils and Trusts, who supported HB 121 and said the expansion could make about 17,600 additional children eligible in Broward County alone. The meeting ended with Rep. Bartleman thanking staff and expressing hope that the new federal administration would allow the program to move forward, and the chair adjourned the meeting.

Transcript Highlights:

• Californians are required to purchase many forms of insurance, and insurers collect...
• insurance company.
• Insurance consumers come to them. They opt into using an independent insurance agent.
• The insurance companies, excuse me, insurance agents don't do adverse underwriting.
• Allison Ato, on behalf of the Personal Insurance Federation of California.

Committee: House Privacy and Consumer Protection

Keywords: 988, house, all

Transcript Highlights:

• Federation in 1998.
• Federation in 1998.
• It's gone from $348 in average to almost $1,500 in 2020, and the Insurance Federation will tell you it's
• It's gone from $348 in average to almost $1,500 in 2020, and the Insurance Federation will tell you it's
• And the Insurance Federation will tell you it's caused by climate change.

Keywords: 1183, house

Transcript Highlights:

• </c> a federal program we have a 50% Federal a federal program we have a 50% Federal match<00:53:53.799
• We know if it's a federal program, we have a 50% federal match, and that federal match is for the QMB
• federal match, hardly ever 100% federal match, but you get a 100% federal match for that.
• Because that’s all federal funds.
• I</c><04:25:45.560><c> no</c> insurance and insurance costs I no insurance and insurance costs I no longer

Committee: Senate Health and Human Services

Keywords: 1191, senate, all

Transcript Highlights:

• insurance fraud.
• insureds themselves.
• The insureds themselves.
• Insurance fraud adds a significant cost to all lines of insurance.
• fraud schemes, padding insurance claims, fraudulent insurance claims.

Summary: The committee held public hearings on several bills. House Bill 2542 would require drug developers to use validated non-animal testing methods when available, unless federal regulators request animal testing. The sponsor said the bill builds on prior Washington action on cosmetics testing and is intended to move toward more humane and modern science. Supporters, including students, animal welfare advocates, and biotech-related witnesses, argued that animal tests often fail to predict human outcomes and that alternatives are more accurate. A biotech industry representative said animal testing is still necessary for some research and warned the bill could deter local innovation, but said the industry was open to amendments. The sponsor said she was open to discussing changes to the enforcement mechanism. No vote was taken on the bill during the hearing. House Bill 2629 would address theft and vandalism of critical communications infrastructure, including copper and fiber lines. The bill would ban cash payments for nonferrous metal transactions, require electronic or stored-value payment methods, impose civil penalties for stolen copper used in telecommunications cable, and create a new Class C felony for destruction of critical communications infrastructure. The sponsor and industry witnesses described repeated outages affecting 911, hospitals, schools, and first responders, and said Washington has a high rate of these incidents. Recycling industry representatives supported the bill after negotiations, but a prosecutor and some others said the bill should focus more on law enforcement tools such as searchable transaction databases and holding periods rather than new penalties. No final action was taken in the hearing. House Bill 2394 would expand the Insurance Commissioner’s insurance fraud program and create a Class B felony for insurance fraud, including fraudulent billing, misrepresentation of repair costs, and misuse of coding systems. The bill also broadens who can be considered a victim for restitution and gives the commissioner additional investigative tools, while the substitute removed a reporting duty for certified public accountants. The sponsor and the Insurance Commissioner’s office said the measure responds to more sophisticated, technology-driven fraud schemes that harm both insurers and consumers. Insurance industry and fraud bureau witnesses supported the bill as a consumer protection measure. No vote was taken. House Bill 2361 would raise the maximum principal amount for small loans from $700 to $1,200, with annual inflation adjustments, while keeping the existing 30% of monthly income cap and other safeguards. The sponsor said the change would better reflect emergency costs and help borrowers avoid illegal lenders. DFI raised implementation questions about inflation adjustments and publication requirements, and opponents from AARP, SEIU 775, poverty advocates, and consumer attorneys argued the bill would increase debt traps and fees for low-income borrowers and older adults. MoneyTree supported the bill, saying the current cap is outdated and that the product remains a flat-fee, regulated credit option with existing consumer protections. The hearing also included testimony on House Bill 2294, which would prohibit negative use restrictions on real property that block grocery stores or pharmacies; staff described a proposed amendment adding notice and changing enforcement, and the committee then moved the bill out with a due pass recommendation.

Transcript Highlights:

• So if there was insurance for whatever malfeasance or whatever, is there even insurance coverage for
• insurance on this.
• You say that it's already covered by federal law.
• insurance or providing loans or grants.
• And then the Consumer Federation of America...

Bills: HB2477 , HB2501 , HB2465 , HB2512 , HB2240 , HB2624 , HB2536 , HB2476

Committee: House Consumer Protection & Business

Keywords: real estate, appraisal, consumer protection, business operations, regulatory compliance, HB 2501, real estate disclosure, seller disclosure notice, residential property, home heating oil tank, oil tank insurance, pollution liability insurance agency, PLIA, heating oil contamination, remediation assistance, Washington real estate, property sale, buyer disclosure, seller obligations, oil heat

Transcript Highlights:

• </c><00:20:58.159><c> law</c> under federal law under federal law and<00:21:00.000><c> uh</c><00:21:00.640
• </c> that our organization through Federal that our organization through Federal fiscal<00:21:10.400>
• </c> that's correct and is there any federal that's correct and is there any federal laws<00:38:22.640
• However, insurance companies have been billing insurance and renewing the policies as if the dwelling
• um insurance and renewing the billing um insurance and renewing the policies<00:50:03.000><c> as</c>

Committee: House Public Safety

Keywords: 910, house, all

Summary: The Committee on Public Safety met on January 31, 2025, and first heard House Bill 1062, a housekeeping measure relating to the Hawaii Air National Guard. Testimony in support came from representatives of the Adjutant General and other National Guard witnesses. A member raised a technical question about language allowing the Guard to hold the rank authorized by the Department of the Air Force, and the response was that the bill should not require additional HR language; no vote was taken. The committee then heard House Bill 674, which would authorize allowances for TRICARE dental and vision coverage for Hawaii National Guard personnel ordered to active duty for more than 30 days. The Department of Defense supported the bill through Brigadier General Ross, Director of Joint Staff, and Terry Heiti also testified in support. There were no questions or action taken on the measure. House Bill 652, relating to veterans’ rights and benefits and regulating compensation for advice or assistance on veterans’ benefits, drew the most discussion. The Veterans of Foreign Wars Department of Hawaii supported the bill, arguing it would protect veterans from illegal or exploitative practices and noting its own service to more than 2,000 veterans in fiscal year 2024. Opposition came from the National Association for Veterans Rights and Veteran Benefits Guide, which argued the bill would restrict access to needed services and that some for-profit providers operate legally and should not be barred. Committee members questioned the scope of the bill, accreditation requirements, and whether nonprofit or pro bono services would be affected. A Department of Defense veteran services official said veterans can be vulnerable to exploitation and that some legal fee arrangements can be abusive, while also noting pro bono options exist. The committee did not reach a decision on the bill during the excerpt. The committee also began hearing House Bill 1058, which would create a veteran cemetery board within the Office of Veteran Services to help state veteran cemeteries comply with federal standards. The Office of Veteran Services and Terry Heiti testified in support. Members asked about the board’s membership, timeline, and consultant selection, and were told the working group was still in an organizational stage and no construction timeline had been set. The final measure discussed was House Bill 503, which would appropriate funds for a consultant to evaluate locations and designs for a Hawaii First Responders Memorial. The Department of Accounting and General Services supported the bill, and testimony in support was received from county and city officials, UPW Hawaii, and individuals. Members asked about the working group, timeline, and budget, and were told the project was still in early planning; no final action was taken in the portion provided.

Transcript Highlights:

• When it comes to the federal match, the expansion population has a higher federal match.
• When it comes to the federal match, the expansion population has a higher federal match.
• The federal government has some requirements for us to monitor access to care because of the Social Security
• health centers what they are owed under federal law, and so the Social Security Act requires that states
• Then they could purchase a private health insurance plan that is subsidized by the federal government

Keywords: 989, all

Summary: The committee heard a budget presentation on the Division of Medicaid within the Department of Health and Welfare, including an overview of the division’s five programs, staffing, spending trends, and the large share of the budget that goes to trust and benefit payments. Ms. Williamson explained the difference between ongoing and one-time enhancements, the role of population forecast adjustments, and why the fiscal year 2026 and 2027 numbers change significantly. Members asked about the growth in the budget, the FMAP match rate, the impact of provider rate changes, and the shift of some positions into Medicaid from other divisions after last year’s reorganization. A major topic was House Bill 345 and related budget changes, including the hospital assessment fund alignment, the 4% provider rate reduction, and the effect on Medicaid expansion and other populations. The committee discussed the decline in expansion enrollment, rising costs in traditional Medicaid populations, and the governor’s recommendation to offset part of the 2027 increase with additional reductions. Members raised concerns about access to care, especially for dental, behavioral health, developmental disability, and home- and community-based services, while the deputy director said the department is trying to contain costs through prior authorization, fraud and abuse work, and policy changes. The committee also focused on the MMIS replacement project, which is in year four of a five-year procurement and is funded through dedicated and federal dollars tied to milestones. Another significant item was estate recovery, where the department requested funding to replace an outdated case management system and add contractor support to address a backlog of roughly 20,000 cases; members questioned the return on investment and asked for more detail on the software and staffing split. The deputy director also explained the federally qualified health center reconciliation issue, saying the state had not been properly paying change-in-scope amounts and is now using a new process with interim payments and later reconciliation. In addition, lawmakers asked about program integrity staffing, the use of AI, and whether the department could better target fraud, waste, and abuse investigations. The deputy director said the department is reviewing AI use cautiously and sees opportunities for it in claims review and anomaly detection, but emphasized that the current request is for dedicated receipt authority rather than general funds. No formal votes were taken in the excerpt, but the committee received the presentation, asked extensive questions, and was told that some follow-up information would be provided later.

Transcript Highlights:

• Also, we're self-insured.
• So it mirrors the designation process on the federal level.
• Things that are, quote, ongoing threat to the security of the state.
• True security threats that deserve our attention. Thank you, Mr. Mao.
• , national security information that should not be available to the public.

Bills: S0002 , S0006 , S0018 , S0026 , S0028 , S0050 , S0178 , S0326 , S0538 , S0786 , S1004 , S1096 , S1178 , S1366 , S1632 , S1634

Committee: Senate Judiciary

Keywords: negligence, settlement, appropriation, highway safety, damages, law enforcement, child welfare, injury compensation, Department of Children and Families, compensation, law enforcement accountability, personal injury, motorcycle accident, Department of Transportation, legal claim, police negligence, monetary compensation, civil rights, city liability, veterans

Summary: The committee heard a series of bills, most of them claims or civil-law measures, and reported each favorably. Among the bills approved were SB 326 on curators of estates, SB 1096 clarifying filing deadlines under the Florida Civil Rights Act, SB 28 and SB 26 on claims against the City of Lakeland and the estate of Mark Legata, SB 6 involving a DCF-related claim for Layla Estrada/Sapphire Williams, SB 786 creating a nonjudicial process for closing trusts, SB 18 and SB 2 on claims involving the estate of McKenzie Navarre and Daniel Mosley, and SB 50 expanding veterans’ courts statewide. The committee also approved SB 538 on extracurricular activities, SB 1004 on pet sales and financing disclosures, and SB 1366, the sovereign immunity bill, which was presented as a starting point for negotiations with the House over higher claims caps and related provisions. Most of these bills were explained by sponsors as clarifying existing law, modernizing procedures, or resolving uncontested claims, and several had support from affected organizations or individuals; some also drew opposition or concerns from speakers, especially on trust notice issues, sovereign immunity, and the scope of the extracurricular and pet-sale bills. Several bills were amended before passage. SB 326 was narrowed by removing a section and changing reporting language for curators. SB 786 received a technical clarification amendment, while SB 18 removed an unneeded Medicaid-related section. SB 50 on veterans’ courts drew broad support from veterans’ groups and criminal-justice organizations. SB 538 on extracurricular activities was amended multiple times to address home education eligibility, activity fees for homeschool participants, technical cross-references, and compensation for extracurricular sponsors. SB 1004 was supported by animal-welfare advocates and consumer-protection interests. SB 178 on athletics in public K-12 schools was amended to limit the bill to head coaches, require personal funds, and allow similar bylaws by other athletic associations; it passed after discussion of a Miami Northwestern coaching controversy. The committee also took up two major policy bills with substantial testimony and questions. SB 1178 on foreign influence would create a state framework for foreign-agent registration, restrict gifts and contracts tied to foreign countries of concern and designated foreign terrorist organizations, limit certain sister-city and university linkage activities, and increase penalties for crimes committed to benefit foreign governments or terrorist groups; supporters framed it as a national-security and transparency measure, while the sponsor withdrew one amendment before passage. SB 1632 on ideologies inconsistent with American principles generated the most extended questioning, especially about its domestic-terrorism designation process, references to Sharia law, notice and due-process protections, and potential effects on students and speech; supporters argued it targets conduct, not belief, while opponents warned it could chill protected activity and unfairly target Muslim communities. The committee heard many public speakers on both sides, but no floor debate followed before the bill was moved forward.