Video & Transcript : 'lender cap' :
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FL
Florida 2026 5th Special Session
Appropriations Committee on Higher Education Feb 18th, 2026
Transcript Highlights:
- provider, nearly 10 years in technical support, serving as the intermediary between colleges and lenders
Summary:
The Appropriations Committee on Higher Education convened with a quorum and first took up CS for SB 1694 on technology education. The bill would require technology-integrated postsecondary general education core courses to include digital literacy and competency instruction, including use of artificial intelligence tools, and would encourage high school computer science courses that include AI to teach how AI systems use data, their benefits and limitations, and responsible use in academic and personal settings. The bill sponsor and several supporters emphasized preparing students for an AI-driven workforce while teaching critical evaluation and ethical use; one speaker raised concerns about overreliance on AI and the need to preserve real-world skills. Senator Davis supported the measure and suggested introducing similar instruction earlier, possibly in middle school. The committee voted the bill favorably, with Senator Leak later recorded in the affirmative.
The committee then heard a large block of confirmations for higher education boards, including appointees to Tallahassee State College, the University of South Florida, the University of North Florida, Palm Beach State College, the College of the Florida Keys, Hillsborough College, Miami-Dade College, Florida A&M University, Florida Gulf Coast University, Florida International University, New College of Florida, Florida Polytechnic University, and the University of Florida. The appointees generally highlighted backgrounds in education, health care, law, business, technology, and public service, and described priorities such as student success, workforce alignment, affordability, fiscal responsibility, and institutional growth. One nominee to Tallahassee State College was asked about low NCLEX pass rates and said the college had a plan approved by the Florida Board of Nursing. Another nominee discussed Florida Poly’s STEM mission, and several members praised the nominees’ community ties and professional experience.
After hearing the appointees, the committee voted to report the block of confirmations favorably to the Ethics and Elections Committee. The committee then received a high-level overview of the higher education budget, totaling $11.9 billion, with major emphasis on workforce training and development. Highlights included increases for school district workforce education, the Florida College System, workforce development capitalization, a rural educator recruitment program, funding for the USF Center for Nursing, preeminent research universities, UCF’s community school grant program, UF’s literacy and math initiatives, UF’s autism and neurodevelopment center, and a postsecondary guardian program for campus security. Members asked a brief question about a workforce fund transfer, and the chair explained it was a transfer of an existing program with new funds added. No public comment was offered, and the meeting adjourned.
MO
Transcript Highlights:
- Our association represents home rehabbers, local contractors, hardware stores, lenders, real estate agents
WA
Washington 2025-2026 Regular Session
House Health Care & Wellness Jan 23rd, 2026 at 08:00 am
Health Care & Wellness
Transcript Highlights:
- Today, the Kenney owes tens of millions of dollars to its lenders and has $10 million in deferred maintenance
Bills:
HB2384 , HB2402 , HB2505 , HB1904 , HB2145 , HB2182 , HB2211 , HB2242 , HB2247 , HB2329 , HB2339
Committee:
House Health Care & Wellness
Keywords:
continuing care retirement community, CCRC, life plan community, senior housing, retirement community, long-term care, assisted living, nursing home, actuarial analysis, solvency, financial oversight, resident contracts, entrance fee, disclosure statement, registration, insurance commissioner, DSHS, consumer protection, elder care, aging services
WA
Washington 2025-2026 Regular Session
House Health Care & Wellness Jan 23rd, 2026
Transcript Highlights:
- Today, the Kenney owes tens of millions of dollars to its lenders and has $10 million in deferred maintenance
Summary:
The committee held public hearings on several health-related bills. House Bill 2384 would require continuing care retirement communities that offer life care contracts to submit actuarial analyses every other registration cycle for review by the Office of the Insurance Commissioner, with the Department of Social and Health Services using the review in registration decisions. The bill sponsor and residents’ advocates said it would improve transparency and protect seniors’ prepaid care promises, while the CCRC industry supported the goal but raised concerns about scope, cost, and implementation details. House Bill 2505 would exempt certain foster family homes and child-specific foster care homes from adult family home licensure when former foster youth remain in the home as adults and certain safety conditions are met; DSHS supported the narrow exemption as a way to avoid displacing vulnerable young adults. House Bill 2402 would phase out DEHP and other orthophthalates in IV solution containers and later IV tubing, with exemptions for certain blood and cell therapy products; supporters cited health and environmental risks and the availability of safer alternatives, while manufacturers and hospitals supported the goal but asked for longer timelines, supply-chain protections, and implementation assistance.
In executive session, the committee took action on a series of bills. It adopted an amendment and passed House Bill 1904, which prohibits cat declawing, on a 13-3 vote. It passed a proposed substitute for House Bill 2145 on the 340B drug program on an 11-5 vote after debate over reporting requirements and the state’s authority. It rejected several amendments to House Bill 2182 on abortion medications held by the Department of Corrections, adopted an Indian health care provider priority amendment, and passed the bill on a 10-6 vote. House Bill 2211 on medically tailored meals passed 15-1. The committee also passed Substitute House Bill 2247 on veterinarian-client-patient relationships, Substitute House Bill 2329 on midwives and lactation consultants, and Substitute House Bill 2339 on nurse licensing, each with technical amendments and broad support.
FL
Florida 2026 4th Special Session
January 22, 2026 - 08:00 AM
Transcript Highlights:
- 2005 to 2008, there was an extreme downturn due to the housing crisis, to conflate housing costs and lenders
TX
Transcript Highlights:
- be used to sell the property to unknowing buyers or to borrow against the property from unknowing lenders
Bills:
SB438 , SB512 , SB647 , SB648 , SB1495 , SB2121 , SB2145 , SB2154 , SB2167 , SB2184 , SB2211 , SB2268 , SB2349 , SB2443 , SB2629 , SB2702 , SB2902
Committee:
Senate Business & Commerce
Summary:
The Senate Committee on Business and Commerce met with a quorum and took up several pending bills, voting favorably on SB 1612, SB 2717, SB 1468, SB 1642, and SB 1789. SB 1612 was reported favorably with objections to the local and contested calendar, while SB 2717, SB 1468, SB 1642, and SB 1789 were reported favorably, with SB 1642 and SB 1789 sent to the floor. SB 2717 would create the Texas Energy Efficiency Council; SB 1642 would add an executive director to the Texas Department of Insurance structure; and SB 1789 would establish pole standards and clarify PUC authority and remedies. The committee also heard an ERCOT update from CEO Pablo Vegas on the updated long-term load forecast, which showed a much higher unadjusted growth projection driven largely by data centers. ERCOT described an adjusted forecast using historical delays and lower realized build rates, and members discussed reliability, generation timelines, and the importance of SB 6 for demand response and flexibility.
The committee then heard and left pending SB 2629, which would allow condominium and property owners’ association meetings and voting by electronic means; SB 2702, which would let nationally certified professionals test backflow prevention assemblies without a separate TCEQ license; SB 2167, which would let TDLR pause new license applications tied to human trafficking emergency orders or pending SOAH cases; SB 2349, which would exempt short-term leases and certain leasebacks from flood disclosure requirements; SB 2121, which would tighten the data broker registry law; and SB 2443, which would authorize TDLR electronic delivery of notices and other documents. Testimony generally supported these bills as cleanup, modernization, or workforce-streamlining measures, with some members expressing caution about electronic meetings and emphasizing in-person accountability.
The committee also heard SB 2902 on coerced debt and identity theft, with testimony from a law professor and family violence advocates supporting stronger protections for survivors and suggesting a police report as an additional proof option. SB 512, a refiled bill restricting money transmission license holders from fining users for terms-of-service violations, also received supportive testimony and was left pending. Later, the committee heard SB 2145 on allowing certain TIF boards to meet virtually in narrow circumstances, SB 2268 on extending Texas Energy Fund loan deadlines in some cases, SB 1495 creating an EV supply equipment advisory board, SB 2154 regulating delivery network companies under a statewide framework, SB 2184 lowering the age for pyrotechnic operator and fireworks display permits from 21 to 18, SB 2211 on combining data centers, power generation, and produced-water desalination projects, and SB 647 on title theft protections and clerk authority to refuse fraudulent filings. Most of these bills were left pending after brief testimony and questions, with members focusing on reliability, regulation, and safeguards against fraud.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 5 on State Administration Apr 1st, 2025
Transcript Highlights:
- A unique aspect of this program is that, unlike a conventional mortgage lender, CalVet does not sell
FL
Florida 2025 Regular Session
Judiciary Mar 12th, 2025
Transcript Highlights:
- The prime rate is a survey of the largest lenders in the country and what rates they offer to their prime
CA
California 2025-2026 Regular Session
Joint Hearing Budget Subcommittee No. 2 on Human Services and Budget Subcommittee No. 1 on Health Mar 25th, 2026
Transcript Highlights:
- we would also note, similar to issue number two on this agenda, which was the Governor's proposal to cap
- we would also note, similar to issue number two on this agenda, which was the Governor's proposal to cap
- Home Safe was able to serve 40% of the APS population that had identified housing needs due to the capped
- the governor's proposals to shift costs to the counties through the COFC penalties and the IHSS hours cap
- Hi, I'm Harrison Lender, Assistant Director of Housing Policy with LeadingAge California.
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 3/6/25
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- The governor's budget is proposing a 2% cap, which will definitely impact Minnesotans in nursing homes
- </c><00:47:45.720><c> on</c><00:47:45.920><c> the</c> waltz's budget includes a 2% cap on the waltz's
- budget includes a 2% cap on the value<00:47:46.359><c> based</c><00:47:46.680><c> reimbursement</c><
- which will definitely proposing a 2% cap which will definitely impact<00:48:16.359><c> motans</c><00
- Unlike traditional lenders, they did not just invest in a project; they invested in him.
NH
Transcript Highlights:
- Our members include developers, homeless shelters, lenders, property managers, and more.
- It also makes it difficult for lenders to assess the risk in terms of creating construction loans and
- 04.399><c> the</c><00:27:04.600><c> risk</c><00:27:04.880><c> in</c><00:27:05.039><c> terms</c> for lenders
- to assess the risk in terms for lenders to assess the risk in terms of<00:27:05.799><c> you</c><00:27
- "As you might know, the New Hampshire Community Loan Fund is a nonprofit lender.
Committee:
House Housing
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on the Judiciary Jun 21st, 2026 at 01:00 pm
Joint Committee on the Judiciary
Transcript Highlights:
- It caps recovery at $100,000.
- Despite reporting the fraud to both the police and the lender, no action was taken.
Committee:
Joint Joint Committee on the Judiciary
Summary:
The Joint Committee on the Judiciary held a lengthy public hearing on a wide range of civil actions, labor, consumer protection, and animal welfare bills. Chair Lydia Edwards and Representative Michael Day opened with strict testimony rules and time limits, then heard from legislators and advocates on measures including animal-abuser pet ownership bans (S. 1207/H. 1914), a name-change privacy bill (S. 1045/H. 1973), tort claims reform (H. 1724), law enforcement council coverage under the Tort Claims Act (S. 1199), civil rights and qualified immunity-related proposals (H. 1641), employee free speech/captive audience restrictions (S. 1078/H. 1653), consumer protection and civil rights jurisdiction expansion (S. 1041), private right of action for wage theft (H. 1916), gun-owner liability insurance (H. 1836), pseudoephedrine sales tracking (S. 1243/H. 1581), prepaid legal services plans (H. 1612), structured settlement protections (H. 1863), third-party litigation financing disclosure (H. 1861), antitrust reform for small businesses and workers (S. 1038/H. 1982), legal notices in online-only newspapers (S. 1279/H. 1632), and several animal cruelty and protection bills including H. 1938, H. 1949, S. 1277/H. 1934, and H. 1764.
Testimony was largely supportive from bill sponsors and advocacy groups, with repeated themes of protecting vulnerable people and animals, improving access to justice, and updating outdated laws. Supporters of the animal bills argued for stronger possession bans, broader cruelty citations, and civil removal tools to prevent repeat abuse; opponents or conditional supporters raised due process and enforcement concerns, especially around warrantless seizures and requiring retail or shelter staff to check registries. On the labor and consumer side, supporters said the antitrust bill would curb monopoly power and help small businesses and workers, while opponents warned it could destabilize competition and burden successful firms. The employee free speech bill was backed as a response to captive audience meetings, and the wage-theft bill was presented as a way to let workers or organizations pursue claims when individual employees are afraid to come forward.
Several public officials and association representatives testified on the law enforcement and civil rights bills. Chiefs of police supported adding law enforcement councils to the Tort Claims Act, saying it would close a liability gap for regional mutual-aid collaborations. But police representatives opposed changes to the Massachusetts Civil Rights Act and qualified immunity-related provisions, arguing the federal system already provides a workable forum and that expanding liability could increase costs, reduce morale, and worsen recruitment and retention. On the consumer/civil rights bill, Senator Collins and a veteran described an out-of-state assault case that they said showed the need for Massachusetts to let residents seek redress at home when rights are violated elsewhere.
No votes or formal committee actions were taken during the hearing itself; the committee mainly received testimony and questions. Several witnesses indicated they had submitted written testimony or proposed amendments, and some bills drew requests for favorable reports while others were explicitly opposed unless amended.
HI
Hawaii 2026 Regular Session
ECD Info Briefing - Mon Jul 13, 2026 @ 1:00 PM HST
Hawaii House Floor Meeting
Transcript Highlights:
- So whatever comes in, they still charge you a base amount, but there's also a cap amount.
- And if you can consolidate this all into one payment, you can hit that cap amount in one payment.
- So you're not paying a cap amount every single time that you enter across a week.
- , you can hit that cap amount in one<01:45:46.800><c> one</c><01:45:47.040><c> payment.
- So, they gave us a cap of 2,000 acres. So we then can designate that throughout the state.
MN
Minnesota 2025-2026 Regular Session
Senate Floor Session - Part 1 - 05/14/26
Minnesota Senate Floor Meeting
Transcript Highlights:
- And then one last thing that's very important to me in particular is the farmer-lender mediation program
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 5 on State Administration May 5th, 2026
Transcript Highlights:
- transferred to parties or companies affiliated with a title insurance company or real estate broker or lender
MO
Missouri 2026 Regular Session
2026 Legislative Session - Day Sixty - Wednesday, April 29
Missouri House Floor Meeting
Transcript Highlights:
- Without certainty, these lenders may be less willing to modify their loan when Missouri homeowners and
Summary:
The House convened with prayer and the Pledge of Allegiance, approved the House Journal for the prior day by a 126-0 vote, and then heard several points of personal privilege, including recognition of National Fentanyl Awareness Day and a moment of silence for journalist Ray Hartman. Members also introduced numerous student groups, interns, and special guests visiting the chamber.
The chamber then took up conference committee business on House Bills 2637 and 3155, a large public safety/criminal justice package. Members discussed the bill’s juvenile justice provisions, including narrowing prosecutorial certification of juveniles to certain serious offenses, changes to age language, juvenile detention facility funding, outpatient mental health treatment, cyberstalking provisions, drone restrictions, prosecutorial salaries, and sex offender registry language. The House approved the motion to exceed the conference differences, adopted the conference committee report by 124-13, passed the bill 119-18, and adopted the emergency clause for the drone-related sections by 125-15.
The House also passed Senate Bill 834, a consumer protection measure dealing with mortgage modifications and sale-leaseback transactions, by 139-1 after discussion of its protections for homeowners. Senate Bill 937, a land transfer bill authorizing the governor to dispose of certain state properties, was amended and passed 137-2-1. Senate Bill 938, which raises recording fees from $4 to $6 to support the state land survey program and recorder of deeds offices, passed 121-21-2 after supporters said the increase was overdue and necessary to sustain the program. Finally, House Committee Substitute for Senate Bill 973, concerning wholesaler disclosures and land banks, was amended to remove a school property provision and add land bank authority, then passed 110-36. The House adjourned after announcements and was set to return the next day with several bills on the agenda.
MO
Missouri 2026 Regular Session
2026 Legislative Session - Day Sixty - Wednesday, April 29
Missouri House Floor Meeting
Transcript Highlights:
- Without certainty, these lenders may be less willing to modify their loan when Missouri homeowners and
Summary:
The House convened with prayer and the Pledge of Allegiance, approved the previous day’s journal by a 126-0 roll call, and then heard several points of personal privilege, including recognition of National Fentanyl Awareness Day and a moment of silence for journalist Ray Hartman. Members also introduced numerous student groups, interns, and other guests in the gallery.
The chamber then took up conference committee action on House Bills 2637 and 3155, a large public safety/criminal justice package. Debate focused on juvenile justice changes, including narrowing prosecutorial authority to seek juvenile certification, provisions for juvenile detention facilities, assisted outpatient mental health treatment, cyberstalking, drone restrictions, and related sentencing and sex-offender registry provisions. The House adopted the conference committee report 124-13, passed the bill 119-18, and then adopted an emergency clause for the drone-related sections by 125-15.
Members also passed Senate Bill 834, a consumer protection and mortgage-related bill covering mortgage modifications and sale-leaseback disclosures, by 139-1, and Senate Bill 937, a land transfer measure authorizing the governor to dispose of certain state properties, by 137-2-1. Senate Bill 938, which raises recording fees to support the Missouri land survey program and recorder of deeds offices, passed 121-21-2. Senate Bill 973, dealing with wholesaler disclosures and adding land bank provisions while removing a school property right-of-first-refusal section, passed 110-36. The House then moved to announcements, noted upcoming committee meetings and Kentucky Derby Hat Day, and adjourned until April 30, 2026.
AR
Arkansas 2026 Regular Session
ALC-HOSPITAL, MEDICAID, & DEVELOPMENTAL DISABILITIES STUDY SUBCOMMITTEE Mar 16th, 2026
ALC-HOSPITAL, MEDICAID, & DEVELOPMENTAL DISABILITIES STUDY SUBCOMMITTEE
Transcript Highlights:
- Actually, thank you for the question about the commercial lenders.
Summary:
The subcommittee met to review Arkansas DHS hospital spending and reimbursement methods, with Secretary Janet Mann and Deputy Secretary Misty Eubanks explaining Medicaid hospital payments. They described fee-for-service per diem payments, cost settlements, and the upper payment limit (UPL) program, noting that SFY 2025 hospital payments included $688 million in inpatient/outpatient claims, $473 million in UPL payments, $248 million in cost settlements, and about $47 million in other payments such as graduate medical education and disproportionate share hospital funds. Members asked about why per diem rates vary, how cost settlements work, why UPL applies mainly to private hospitals, and how assessment fees are structured and funded. DHS said the hospital assessment fee is broad-based and uniform, used as the state share to draw federal funds, and that supplemental hospital payments after federal match totaled $548 million with no general revenue used.
The Arkansas Hospital Association’s Jody Ann Tritt then gave a broader overview of the hospital landscape, explaining the different hospital types in the state, including critical access hospitals, rural emergency hospitals, PPS hospitals, and specialty hospitals. She said Arkansas hospitals face financial strain, citing a negative 5.18% patient service margin statewide and lower reimbursement than surrounding states. She argued that Arkansas hospitals are paid less than hospitals in neighboring states for similar services, that commercial payer rates and administrative burdens are a major problem, and that Medicaid and Medicare rates remain below cost even with UPL support. She also said hospitals are the backbone of community care, provide emergency and public health functions, and are looking for ways to invest in technology and telehealth but often lack the revenue to do so.
Members pressed for clearer data on hospital finances, reimbursement adequacy, and the impact of commercial insurers. Tritt said the association had just authorized a statewide survey to gather updated financial information from hospitals, which she said would take about a year to complete. She also explained that Medicaid pays weekly, Medicare and commercial plans can involve delays and denials, and that hospitals often spend significant resources on revenue cycle work. The discussion ended with a brief update on assisted living reimbursement: DHS said one facility, The Pillars of the Community in Crossett, had announced closure, nine Living Choices waiver clients were being transitioned, and the updated rate study would be available after cost reports are collected, likely before the end of the fiscal year. The meeting then adjourned.
FL
Florida 2026 Regular Session
Appropriations Committee on Higher Education Feb 18th, 2026
Appropriations Committee on Higher Education
Transcript Highlights:
- provider, nearly 10 years in technical support, serving as the intermediary between colleges and lenders
Bills:
S1694
WA
Washington 2025-2026 Regular Session
House Local Government Feb 3rd, 2026 at 10:30 am
Local Government
Transcript Highlights:
- Clients, lenders, and jurisdictions rely on codes as the baseline.
Committee:
House Local Government
Keywords:
municipal permitting, transit projects, high capacity transit, infrastructure, urban development, residential development, commercial zones, mixed-use zoning, urban planning, state regulations, county ferry district, ferry district, passenger-only ferry, passenger ferry, Puget Sound, Vashon, Seattle, Southworth, county transportation, local taxing authority