Transcript Highlights:

• </c><00:42:35.240><c> These</c> because they want discounts. These because they want discounts.
• Consumers are not fewer discounts.
• if you're getting a discount?
• </c> know if you're getting a discount? know if you're getting a discount?
• That's, you know, your veteran discount, your senior discount, what have you.

Bills: HF3794 , HF3408

Committee: House Commerce Finance and Policy

Transcript Highlights:

• So while it might be up front one to three more, you will get a discount as of January 1.
• And the LDI, which supports this, gave me the discount range.
• So if we're banking on an insurance discount, it's important to understand that discount is not guaranteed
• Essentially, House Bill 977 locks the front door while leaving all the windows open.
• Essentially, House Bill 977 locks the front door while leaving all the windows open.

Committee: House Commerce, Consumer Protection, and International Affairs

Summary: The committee met on April 7, 2026, and first handled several fire marshal-related bills. HB 917, a licensing and regulatory cleanup for life safety and property protection work, was amended with technical changes and reported favorably. HB 565 clarified that the State Fire Marshal, rather than local authorities, would handle fire safety inspections for early learning and child daycare centers; members adopted an amendment limiting the standards to state or federal codes and addressing ventilation and suppression requirements for small facilities, and the bill was reported favorably with amendments. The committee then took up HB 937, which would shift amusement ride setup inspections back to the State Fire Marshal, require licensing and insurance for rides and inspectors, and repeal provisions related to inflatable amusement devices. The author and fire marshal cited a serious festival ride accident in Pointe Coupee Parish as the impetus, and members discussed inspection timing, insurance costs, and whether background checks or public inspection certificates should be required. After technical and agreed-upon amendments, the bill was reported favorably. HB 799, a boiler inspection consolidation bill, was presented as a cleanup measure that would centralize boiler regulation under the fire marshal and rely on licensed inspectors meeting national standards. Stakeholders from industry and the fire marshal’s office described it as an efficiency and safety measure, and the committee adopted a substantive amendment on shutdown procedures and licensing details before reporting the bill favorably. HB 461, which would have allowed parishes and municipalities to adopt fortified roof standards, drew extensive testimony both for and against; supporters argued it could improve resilience and lower insurance costs, while opponents warned it would undermine Louisiana’s uniform building code, add cost, and create inconsistency. The author ultimately moved to voluntarily defer the bill. Finally, the committee began HB 977, a bill on minors’ use of applications that would require age verification, parental consent, and app store/developer safeguards. An amendment clarified definitions, consent rules, data-sharing limits, and a good-faith compliance defense. Members raised concerns about the 45-day cure period, the lack of a private right of action, and whether app stores would become gatekeepers, but the bill remained pending at the end of the excerpt.

Transcript Highlights:

• window.
• Can you talk a little bit more about the usage of the discount window? Thank you, Senator.
• The discount window is a very important tool for the banking system and for the Federal Reserve.
• window that is appropriately speedy and that it's used in a way that can be of assistance in a timely
• window in a way that's...

Committee: Senate Banking, Housing, and Urban Affairs Committee

Keywords: legislation, housing affordability, financial regulation, public testimony, accountability, oversight

Summary: The meeting involved significant discussions around key legislative proposals, primarily focusing on various bills such as HB2 and SB5. The committee examined the implications of these bills on issues like housing affordability and financial regulation. Notable members engaged in debates, providing differing perspectives on the potential economic impacts of the proposed bills. The meeting witnessed public testimony, which included a call for accountability in government actions and oversight of current financial policies. Members echoed concerns about following through on commitments to address critical issues affecting everyday Americans.

Transcript Highlights:

• I think 72 hours too short of a window.
• </c> committee room that has no windows. committee room that has no windows.
• </c> know there's advertisements for discount know there's advertisements for discount programs<04:29
• They got me a discount card, and it discounted down to $39 a month." "Nothing like a good RX card."
• You don't know that they take discounts.

Committee: House Commerce and Consumer Affairs

Transcript Highlights:

• ,</c> requiring PBMs to disclose discounts, requiring PBMs to disclose discounts, rebates,<00:14:58.320
• So, we tried to make it a window that would be accommodating.
• So, we tried to make<00:26:01.200><c> it</c><00:26:01.440><c> a</c><00:26:01.600><c> window</c><00:26
• :01.840><c> that</c><00:26:02.159><c> would</c><00:26:02.320><c> be</c> make it a window that would be
• </c> &gt;&gt; Yeah, this is but this is the window &gt;&gt; Yeah, this is but this is the window that

Committee: Senate Rules and Enrolled Bills

Transcript Highlights:

• The bill includes a very short window for application, and the program ends June 30, 2027.
• We did want to make sure that it was a narrow enough window so that anybody in this shape would be able
• We did want to make sure that it was a narrow enough window so that anybody in this shape would be able
• , and then how it shows after the discount.
• And through the discounting process, the county is not passing that on to the taxpayer in its current

Summary: The committee opened with roll call and a review of special-session procedure: bills would be heard in filing order, with related school-lunch bills grouped together, and any bill advancing would require a motion, second, and majority vote to be introduced. Members also discussed that the committee was functioning much like a delayed-bills committee, with final referral to either Appropriations or Policy depending on the bill’s fiscal impact. The first major proposal was Senator Schibley’s bill to create a narrow, statewide Bank of North Dakota bridge-loan program for struggling nonprofit medical facilities, prompted by Jacobson Memorial Hospital’s financial crisis. He argued the hospital and surrounding EMS services could close without short-term help, while committee members questioned the added language, the population cap, the $10 million fund with $5 million per applicant limit, and whether the program could open the door to future requests. Representative Headland then presented two cleanup bills from the prior property-tax session: one to fix notice and tax-certification issues for local taxing districts, and another to correct how the primary residence credit is applied so taxpayers receive the full benefit rather than counties retaining part of the reimbursement. Members asked about township hearing timing, the estimated $10–15 million annual impact, and whether the credit issue could be fixed retroactively; Headland said the bill was intended to correct the problem going forward. Three school-lunch bills drew extensive discussion. Representative Vetter proposed a small administrative appropriation to add an FTE to help eligible families enroll in the existing free/reduced lunch program, saying the goal was to ensure needy children are signed up and that the state should not subsidize meals for wealthy families. Representative Nathe offered a broader bill mirroring the pending initiated measure but placing the program in statute instead of the Constitution, moving implementation up a year, and funding it with a one-time $65 million from the strategic investment fund; he said this would preserve legislative flexibility and avoid constitutional entrenchment. Representative Dressler proposed raising the state-funded eligibility threshold from 225% to 300% of poverty, arguing it would expand access while still preserving federal reimbursements and encouraging better enrollment systems. Members debated costs, future budget pressure, whether the bills set a precedent for responding to ballot measures, and whether the program should include breakfast and other operational details. Other proposals included Senator Powers’ bill to create a hyperbaric oxygen board and support rural access to hyperbaric chambers for wounds, concussions, PTSD, and other conditions; Representative Tolman’s reporting-requirements bill to force new or expanded programs to justify purpose, alternatives, evaluation methods, and full implementation costs; Representative Frelich’s bill addressing the ongoing redistricting litigation and what happens if the Supreme Court or lower courts alter the current map; and a bill requested by the Public Service Commission and ITD for FERC litigation support and ADA website/document compliance. The committee also heard a rural-health eligibility bill from Representative Twait aimed at steering federal rural health dollars toward rural providers, with questions focused on whether the mileage limits would exclude some communities. One Holocaust education item was deferred until the sponsor could be located.

Transcript Highlights:

• Smoking in the car with the windows up, and, you know, I'm sure we didn't have car seats.
• And we know the window to act is narrowing.
• We look at the issue, too, of the windows.
• Dual-pane windows are pretty common in California, but they need to be tempered.
• So this is why we demanded discounts.

Committee: Senate Insurance

Transcript Highlights:

• You can get a discount on your brands, right? So that's first.
• They negotiate discounts with large pharmaceutical manufacturers.
• They negotiate discounts with large pharmaceutical manufacturers.
• And ultimately, the drug that offers the most discounts is the one that ends up with formulary access
• And then he comes to the window sometimes here in the last few years and says, look, Chad, you might

Committee: House Insurance

Summary: The House Insurance Committee met on April 1 with a quorum present and first took up House Bill 938 by Rep. Turner, which would overhaul pharmacy benefit manager (PBM) regulation by setting a flat administration fee, requiring dispensing fees and NADAC-based reimbursement, mandating rebate pass-through, giving the Department of Insurance access to PBM data, and creating a reverse-auction process for PBM procurement. Turner said the bill is intended to level the playing field for independent pharmacies, improve transparency, and reduce hidden PBM practices. The committee adopted amendment set 1444 without objection, and Turner said additional conceptual amendments were still being worked on. Supporters included independent pharmacies and the PBM Accountability Project; opponents included union plan representatives, benefits consultants, and PBM/insurance industry witnesses who warned of higher costs, ERISA preemption problems, and likely litigation. After extended questioning on cost, preemption, and vertical integration, the committee reported HB 938 with amendments. The committee then considered House Bill 870, also by Rep. Turner, dealing with formulary placement and cost-sharing for generic drugs and biosimilars and limiting certain utilization management practices. Amendment set 1540 was adopted, revising and tightening technical definitions. Turner and a representative of the Association for Accessible Medicines argued the bill would help lower-cost generics and biosimilars gain market share and reduce patient costs, citing examples such as insulin and Humira biosimilars. Opponents from Louisiana Blue said the bill would force coverage based on wholesale acquisition cost rather than net cost, would raise premiums for fully insured members, and would mandate coverage of drugs that are not always the lowest net-cost option. Rep. Jordan again raised ERISA and preemption concerns, and committee members discussed whether the bill would interfere with tiering and plan design. After closing comments and a motion by Rep. Glorioso, HB 870 was reported with amendments, and the committee adjourned.

Transcript Highlights:

• CAN YOU SHORTEN THE WINDOW BEFORE YOU TAKE AN ACTION IS REASONABLE?
• CAN EITHER BE HURRICANE IMPACT DOORS OR WINDOWS OR SHUTTERS.
• IN TERMS OF THE EFFECT ON PREMIUM DISCOUNTS, THAT WAS JULY 1.
• THE WINDOWS HAVE NOT YET BEEN REPLACED YOU KNOW WHAT YOU'VE SEEN.
• COMPLETE WINDOW INSTALLATION SHOULD BE FINISHED IN 2028.

Transcript Highlights:

• So since 2022, my safer from welfare regulations have required insurance companies to provide discounts
• for home hardening and maintain defensible space. to provide discounts for home hardening and maintain
• More competitive options, slower non-renewals, more predictable pricing, mitigation discount scaling
• So I think we can check into the date. ...window in which those folks wouldn't be non-renewed.
• So if they had a total loss, you know, there's a two-year window.

Committee: House Insurance

Transcript Highlights:

• So I've heard a few people who didn't get much of a discount when they put on a roof that will change
• So while it might be up front one to three more, you will get a discount as of January 1.
• And the LDI, which supports this, gave me the discount range.
• So, if we're banking on an insurance discount, it's important to understand that discount is not guaranteed
• Essentially, House Bill 977 locks the front door while leaving all the windows open.

Bills: HB461 , HB467 , HB522 , HB565 , HB673 , HB799 , HB917 , HB937 , HB956 , HB977

Committees: House Commerce , House Commerce, Consumer Protection, and International Affairs

Keywords: building codes, construction standards, state uniform construction code, local option, municipal ordinance, parish ordinance, resilient construction, FORTIFIED Home, IBHS, Insurance Institute for Business & Home Safety, hurricane resistance, storm resilience, roof replacement, residential construction, certificate of occupancy, code enforcement, building resilience, home hardening, wind mitigation, residential roof

Transcript Highlights:

• And then, of course, doors and windows can either be hurricane impact doors and windows or shutters.
• the windows have not yet been replaced, you definitely know what you've seen.
• A complete window installation should be finished in 2028.
• So there's a picture of the windows. You've seen them, right? So there's a picture of the windows.
• So there's a picture of the windows. You've seen them, right?

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

Summary: The committee heard three informational presentations. First, Lieutenant Rob Rowe of the Florida Fish and Wildlife Conservation Commission discussed derelict vessel removal, explaining the legal definition of derelict and at-risk vessels, the causes of vessel abandonment, and the impact of recent hurricanes on the number of cases. He said FWC has nearly 1,000 active derelict vessel cases, with 576 ready for removal, and described the agency’s use of ARPA funds, grants to local governments, contractor lists, and the V-TIP vessel turn-in program to speed removals and prevent vessels from becoming derelict. Senators asked about how to expedite removals, insurance coverage, due process timelines, and storage challenges; Rowe said the 21-day process is constrained by constitutional due process and that more staffing and prevention funding would help. Next, Stephen Fielder of the Department of Financial Services presented on the My Safe Florida Home program, which provides grants for homeowners to harden homes before storms. He reviewed program eligibility, grant types, reimbursement averages, and performance data, and said the program has received $633 million in appropriations overall. He noted that the program is outsourced to private vendors, has low administrative overhead, and has processed large numbers of inspections and reimbursements. Senators questioned contractor requirements, permits, overhead costs, and whether the program should be brought in-house; Fielder said permits are required before reimbursement, contractor licensing is verified, and the department is considering several administrative clarifications, including townhome roof work, inspection expiration, and whether grants should be limited per person or per home. A retired educator also testified in support of more assistance for homeowners facing insurance problems. Finally, Tom Berger of the Department of Management Services outlined the Florida Facilities Pool and the state’s real estate development and management work. He described the bonded facility program, the state’s 112 managed facilities, lease administration, parking contracts, maintenance operations, and more than $1 billion in active construction projects. He highlighted major projects such as the Emergency Operations Center, Capitol complex upgrades, a new visitor screening center, and facilities for other agencies including veterans’ services, juvenile justice, and the courts. Senators asked about lease terms, appropriation language, vacancy in leased space, and whether the state uses a uniform lease form; Berger said the lease document is standardized and that agencies determine their space needs. The meeting ended with no further business and adjournment by motion.

Transcript Highlights:

• We have a three-hour window in which we have to get a chemical test.
• And like I said, we have a three-hour window we have to deal with here, so we streamline for that very
• The 340B program allows us to have discounted pharmaceuticals that are our folks would not be able to
• All of the funding for this bill, or for this program, comes from a discount from the pharmaceutical
• Companies will not be able to give discounts to folks with good credit.

Committee: House House Health & Human Services

Transcript Highlights:

• The window to establish meaningful guardrails is now.
• </c> this is about innovation and discounts. this is about innovation and discounts.
• The window to establish wider.
• </c> individual price, not a uniform discount individual price, not a uniform discount on<02:03:17.520
• Minority Leader. stress that you cannot call a discount stress that you cannot call a discount without

Transcript Highlights:

• that Total Wine is some of the discounts that Total Wine is able<00:20:38.920><c> to</c><00:20:39.040
• What we’re trying to do is fix the imbalance as something’s getting into a window where expiration may
• What we’re trying to do is fix the imbalance as something’s getting into a window where expiration may
• What we’re trying to do is fix the imbalance as something’s getting into a window where expiration may
• </c><01:12:33.200><c> below</c> to them at a discount below to them at a discount below what<01:12:34.680

Bills: HF4145 , HF4009 , HF4304 , SF2511 , HF4090 , HF357 , HF901

Committee: House Commerce Finance and Policy

Keywords: alcohol consumption, nursing homes, assisted living, resident activities, Minnesota Statutes, seasonal liquor licenses, resorts, intoxicating liquor, county board, Brainerd, Northern Pacific Center, event center, liquor license, on-sale license, alcohol sales, special law, local option, Minnesota liquor law, chapter 340A, Sunday sales

Transcript Highlights:

• Not only are we seeing manufacturer rebates and discounts going through to boost PBMs' bottom lines,
• They negotiate prices, discounts, and rebates.
• So I guess my question is, in section 13, where we define rebate, and we say rebate means any discount
• And we say rebate means any discount, remuneration, or other payment paid by manufacturer.
• To testify in neutral to Senate Bill 316, please press Star 9 or raise your hand in the Zoom window to

Bills: AB93 , AB204 , AB414 , AB504 , AB598

Committee: Assembly Commerce and Labor

Transcript Highlights:

• It's an emergency response bill, and the window is open. With regard to the statute of... ...bill.
• It's an emergency response bill, and the window is open.
• when a hypothetical discount is proposed, after discount has been applied, or after all related costs
• What we Being able to offer discounts under loyalty programs is appropriate.
• We know they're great for folks to be able to get those targeted discounts, as mentioned.

Committee: Senate Senate Budget and Appropriations

Transcript Highlights:

• Our multifamily offers also cash incentives for energy-efficient upgrades like windows, HVAC systems,
• So this data looks at a subset of households who are enrolled in PGE's monthly bill discount program,
• And their bill was over $100 more, and that is with the bill discount.
• Their bill was over $300 more, and that is with the monthly bill discount.
• Their bill was over $300 more, and that is with the monthly bill discount.

Summary: The committee met for a series of information sessions focused on housing stabilization, rental assistance, senior housing, and heat resilience. In the first panel, OHCS and NOAA described the state’s affordable housing preservation work, including the $35 million in 2025 stabilization funding used to reduce debt and keep distressed affordable rental projects operating, plus manufactured home park preservation efforts. OHCS said the portfolio remains under strain, with about a third of projects at debt coverage ratios of 1.0 or less and rising insurance and operating costs. NOAA urged faster closings on the stabilization awards, more funding in 2027, and broader rent assistance and process reforms. Committee members asked about the gap between current appropriations and need, and OHCS explained that the new Article 11-Q bond preservation program is structured differently and requires full refinancing rather than simple cash infusions. The committee then heard a detailed discussion of the state’s eviction prevention and rental assistance program, ORDAP. OHCS said the program is administered through community action agencies, prioritizes households at imminent risk of eviction, and is now funded at a much lower level than in the prior biennium, reducing expected service to about 8,200 households this biennium. The Oregon Law Center, a county community action agency, and Multifamily Northwest all agreed the program prevents homelessness and is effective, but they differed on whether assistance should be tied so closely to eviction court. Legal aid and community action witnesses said the current system is underfunded and that eviction filings are the clearest indicator of need, while Multifamily Northwest argued the process can push people into court unnecessarily and should be moved earlier when possible. Legislators raised questions about whether a pre-eviction model could be developed and about the costs of court involvement; one member shared a personal story about how rental assistance helped keep their family housed. Next, the governor’s office, OHCS, and OHA presented on the new senior housing initiative and healthy homes work. The governor’s housing director said Oregon is making progress on homelessness and housing production, with reductions in homelessness outside Multnomah County and an estimated 50,000 future units added to the pipeline through recent state actions. OHCS outlined the senior housing programs launched in May: a debt-financing program using elderly and disabled bond authority, an older adult housing development program funded through the senior property tax deferral revolving account, and a rehousing program for older adults that will use bridge funding and services to move at least 400 unsheltered older Oregonians into housing. OHA also described its Healthy Homes Grant Program, including $24.6 million already awarded, a new $5 million grant round for seniors and people with disabilities, and examples of home repairs and weatherization that help people remain safely housed. The final information session focused on home cooling and heat resilience. OHA presented data showing rising extreme heat days, more heat-related emergency visits, and likely undercounted heat deaths, especially among older adults, people with disabilities, low-income communities, and people without access to healthy homes. ODOE reviewed implementation of Senate Bill 1536, including a cooling needs study that found 58% of surveyed households in the studied housing types needed permanent cooling, with estimated statewide costs of $582 million to $1 billion. ODOE said its rental home heat pump and community heat pump programs have supported 4,638 installations so far, with a temporary reopening planned using remaining funds. The session ended with a remote presentation from a Community Action Partnership of Oregon representative, continuing the discussion of how community action agencies help deliver energy and anti-poverty services.

Transcript Highlights:

• I retired two and a half years ago, and I remember that the only discount a drugstore received in the
• late 60s was if you paid your bill on time, you got a 2% discount.
• Discounts began to change a little bit in the late 60s.
• You received your discount plus a moderate fee of $345, and the patient paid a $5 copay. ...$345, and
• not consider the cost of doing business for... ...a drugstore, and I think when you take away a discount

Committee: Senate Banking and Insurance

Transcript Highlights:

• So since 2022, my Safer from Wildfire regulations have required insurance companies to provide discounts
• So since 2022, my safer from welfare regulations have required insurance companies to provide discounts
• for home hardening and maintain defensible space. to provide discounts for home hardening and maintain
• More competitive options, slower non-renewals, more predictable pricing, mitigation discount scaling
• So if they had a total loss, you know, there's a two-year window.

Summary: The Assembly Insurance Committee held an oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy (SIS), with Insurance Commissioner Ricardo Lara providing a detailed update on implementation after the January 2025 Los Angeles wildfires. Lara said the strategy has helped stabilize the market, speed claims payments, and keep insurers in California, citing $22.4 billion paid to wildfire survivors, 94% of 4,121 claims paid fully or partially, $210 million returned through department investigations, and a 27% reduction in claim closure time. He said major insurers, including Mercury, CSAA, USAA companies, Pacific Specialty, and California Casualty, have filed under SIS, with several more filings pending, and that approvals have generally been completed within 100 days of public notice. He also discussed modernization of rate review, a new data reconciliation tool, a planned regulation to require rate reviews within 60 days plus a possible 30-day extension, and ongoing work on Fair Plan oversight, wildfire risk modeling, and mitigation standards such as Zone Zero. Committee members focused on wildfire survivor non-renewals, Fair Plan growth, claim handling timelines, and whether new legislative proposals could help or hinder market stability. Lara said visible consumer relief should begin in 12 to 24 months, with broader market stabilization expected over three to five years, and emphasized that mitigation, faster rate review, and insurer participation are key to reducing reliance on the Fair Plan. He also highlighted his 22-bill package, including SB 876 on disaster claims handling, AB 1795 on smoke damage standards, AB 1680 on Fair Plan accountability, and reforms to the intervener process. Members raised concerns about balancing consumer protections with insurer participation, and Lara said the Legislature should weigh those tradeoffs through the committee process. Public commenters were divided but generally acknowledged the importance of the issue. Consumer and survivor advocates argued that insurers still delay or underpay claims and that more protections are needed, while industry representatives praised the department’s work and urged caution so the new system is not undermined. Several speakers stressed the need for mitigation, Zone Zero rules, and adequate rates, while others warned that wildfire and liability insurance problems are affecting foster care providers, commercial coverage, and utility wildfire costs. The hearing concluded with the committee adjourned after public comment.