Transcript Highlights:

• I support that going to the electorate. I support that going to the electorate.
• support of Gary Crumb's bill. support of Gary Crumb's bill.
• I'm sitting in support of this bill.
• My members would support it.
• My members would support it. A bill. My members would support it.

Keywords: 916, all

Transcript Highlights:

• All right, that's that one. noticed that it's got a retroactive noticed that it's got a retroactive infor
• So I'm hopeful that you'll all support So I'm hopeful that you'll all support this this this amendment
• Supporting this pay attention to this.
• <00:35:22.960> Senate fully support that. All right. Senate fully support that.
• <00:53:44.000> for uh is there support for uh is there support for this?

Keywords: 928, house, all

Summary: The committee first took up several Senate messages on House bills. It recommended non-concurrence and a committee conference on HB 428 after Representative Pearson raised a constitutional concern about a retroactive provision in the building code bill. It also recommended non-concurrence on HB 156, which had been rewritten by the Senate to create a permanent subcommittee related to food/procurement; members said they did not want to create a permanent subcommittee and preferred to let the issue return next year if needed. On HB 85, concerning temporary student licenses for respiratory therapists, the committee concurred with a Senate rewrite that added restrictions but preserved the bill’s main purpose. On HB 82, a cleanup bill for occupational licensing, the committee concurred with a Senate amendment explicitly allowing the electricians board to create subcommittees, with members noting they did not think the authority was necessary but that it would not do harm. The committee then considered SB 178 on laboratory water testing. Representative Leyon offered amendment 2025-1743H to clarify how fees would be deposited and to direct a portion of certain fees and grants into a non-lapsing lab equipment and replacement fund rather than the general fund. Members said the amendment made the bill’s fiscal flow easier to understand. The amendment passed unanimously, and the committee then voted ought to pass as amended on SB 178, also unanimously, and placed it on consent. For SB 180, dealing with Coos County distressed-area designation, the committee adopted amendment 1748H to remove a provision requiring commissioners to give extra consideration to Coos County and to add a 20-year sunset on the designation. The amendment passed 14-2, and the committee then voted ought to pass as amended 15-1; Representative Schmidt said he would file a minority report because he viewed the provision as unenforceable rather than objectionable. The committee also voted to retain SB 185, which concerned OPLC-related issues, so the agency could continue working on a policy and report back later; that motion passed 16-0. Finally, the committee voted inexpedient to legislate on SB 198, establishing New Hampshire Service Dog Week, after debate over whether the recognition should be statutory or left to a gubernatorial proclamation. Supporters argued the bill would raise awareness and help promote service dogs, while opponents said the effort could continue without a statute and that special-day statutes often lose attention once enacted. The committee also voted inexpedient to legislate on SB 182 after extensive discussion of proposed changes to the maternal mortality review process. Opponents argued the bill would broaden access to personally identifiable information, change panel structure, and affect data comparability; supporters said it was a housekeeping update requested by DHS that would add DCYF and Corrections and improve review of maternal deaths. The ITL motion passed 10-6, and Representative Long said he would file a minority report and explain the committee’s reasoning to the bill’s sponsor.

Transcript Highlights:

• Green cards are for support, red cards are in opposition.
• I'll read off the cards in support and present.
• I wish it was retroactive, like I could be included.
• We do have two green cards in support.
• , and in every way they need to be supported.

Summary: The committee first approved the May 20 minutes and then advanced HCR 95, which would create a more uniform tax base for future state and local tax exemptions and credits, requiring a two-thirds vote of both chambers to deviate from that uniformity. HB 648 was deferred by the author. HB 1049, dealing with public meeting procedures and notice requirements, was amended after discussion with the Police Jury Association, school boards, and local government groups; the amendments removed a requirement for a lawyer at every meeting and clarified notice and posting language, and the bill was reported with amendments despite opposition from local government associations and the City of Baker. The committee then heard HB 615, which would expand livestreaming and two-year archiving requirements to more public bodies, including non-elected boards and commissions with taxing or rulemaking authority. Supporters framed it as a transparency measure, while local government and association witnesses argued it would impose an unfunded mandate, especially on small volunteer boards, and raised concerns about costs, staffing, record retention, and reliance on social media platforms. The bill was not advanced. HB 1201, as amended, would provide legislators reimbursement for travel and limited out-of-session expenses, including housing and mileage, beginning with the next term; members discussed the need to make public service more financially feasible and to broaden who can afford to serve. The committee reported HB 1201 with amendments. The committee also considered two constitutional convention-related bills. HB 244 would set guardrails for any future convention by capping delegates at 144, specifying delegate selection, requiring a two-thirds delegate vote to send proposals to voters, and requiring both a majority of voters and approval by three-fourths of the parishes for ratification; after debate over whether the parish threshold was too high, the bill was reported favorably on a roll call vote. HB 4, as amended, was narrowed to require the Senate and House Governmental Affairs committees to meet in the off-season to discuss the mechanics of a possible convention, but members viewed it as more of a study resolution than binding legislation, and the committee voted to keep it in committee. The meeting then moved to confirmation hearings. Courtney Myers, nominated for Deputy Secretary for the Office of Juvenile Justice, and Ernest Jacob Reade Jr., nominated as Assistant Secretary, testified about their backgrounds and priorities, emphasizing juvenile rehabilitation, education and vocational programming, mental health services, credible messengers, family contact, and better communication with legislators and families. Nathan McBride, nominated as Deputy Secretary of the Department of Environmental Quality, testified about his engineering and government affairs background and said he would focus on legislative work, waste tire management, permitting modernization, and constituent service.

Transcript Highlights:

• I urge your support.
• We are in support of the budget.
• We are in support of the budget.
• You know, I've been supportive of these three programs.
• And I'm also pleased to have supported prior efforts, like... ...to have supported prior efforts, like

Bills: HB4154, HB4155, HB4156, HB4157, HB4158, HB4159, HB4160, HB4161, HB4162, HB4163, HB4164, HB4165, HB4166, HB4167, HB4168, HB4169, SB1847, SB1848, SB1849, SB1850, SB1851, SB1852, SB1853, SB1854, SB1855, SB1856, SB1857, SB1858, SB1859, SB1860, SB1861, SB1862

Keywords: general appropriations act, budget, biennial budget, state spending, fiscal year 2026-2027, appropriations, state agencies, public funding, education funding, health and human services, public safety, transportation, government operations, budget bill, fiscal policy, state finance, spending plan, legislative budget, capital appropriations, operating budget

Transcript Highlights:

• I HAVE TIM, FLORIDA SERVICE ASSOCIATION WAIVING IN SUPPORT.
• IS THIS RETROACTIVE?
• I HAVE A COUPLE OF APPEARANCE FORMS FOR JENNIFER ASHTON CERTIFIED HOME INSPECTORS WAIVING IN SUPPORT.
• CHANTE JONES WAIVING IN SUPPORT. I HAVE NO FURTHER. IS ANYBODY ELSE PUBLIC TESTIMONY?
• I'M VERY SUPPORTIVE AND I THINK WE SHOULD DO EVERYTHING WE CAN FOR OUR COMMUNITY.

Keywords: 999, senate, all

Transcript Highlights:

• <00:26:57.120> per limited up to four months of support per limited up to four months of support
• After the 2023 wildfires on Maui to provide similar type of support.
• <00:41:11.599> the modifications so we could support the modifications so we could support
• They will get retroactive pay.
• They will get retroactive<00:42:56.160> pay.

Keywords: 910, house, all

Summary: The committee on Human Services and Homelessness received a briefing from Scott Morish of the Hawaii Department of Human Services on upcoming SNAP changes tied to the federal One Big Beautiful Bill Act (HR1/OBBA) and on the federal government shutdown’s impact on November SNAP benefits. DHS described its SNAP workload and statewide participation, noting about 86,229 households and 168,947 individuals receiving benefits in September, with roughly $58–$60 million distributed monthly. Morish said DHS has already made system and policy updates in preparation for the November 1 implementation date. Most of the briefing focused on expanded able-bodied adult work requirements. DHS explained that the work rule now applies to additional groups, including adults ages 55 to 64, households with dependent children age 14 and older, people experiencing homelessness, veterans, and youth ages 18 to 24 who transitioned from foster care. The department said affected individuals must generally work or participate in qualifying activities for 80 hours per month, with noncompliance leading to a three-month benefit limit and a 36-month ineligibility period. DHS also reviewed exemptions, including for disability, pregnancy, caregiving, school or training, unemployment, and substance use treatment, and clarified that the new Indian Health Care Improvement Act exemption does not include Native Hawaiians. DHS said it received approval for Hawaii’s request for a non-contiguous-state exemption from payment error penalties through September 30, 2026, but must still make good-faith efforts to implement the work rules. Morish also outlined OBBA changes to non-citizen eligibility, saying that beginning November 1 only lawful permanent residents, COFA residents, and Cuban or Haitian entrants will remain eligible, while other previously eligible categories such as refugees, asylees, and some parolees will no longer qualify. He noted that ineligible non-citizens must still be included in household reporting and their income counted. The committee then discussed the federal shutdown’s effect on SNAP, with DHS saying USDA directed states to suspend November SNAP issuance because of insufficient funding; existing October benefits remain usable, and TANF and general assistance are not affected. DHS said it has posted FAQs and call-center messages, and is working with the Hawaii Food Bank on an additional $2 million in support and with nonprofit partners on a new Hawaii Relief program funded by TANF for families with dependent children. Members asked about eligibility for kūpuna and documentation for the relief program, and DHS said the TANF-funded program is limited to households with a child under 18, while FAQs are now available online.

Transcript Highlights:

• And that is from Judge Clay Roberts, the Florida Conference of DCA Judges, waiving in support.
• their names and the information regarding where they live and their phone numbers, I'm inclined to support
• Sarah waiving in support—that's our only appearance form. Senators wishing to debate?
• Bell, Florida Realtors Association, waiving in support. J.P.
• Bell, Florida Realtors Association, waiving in support. That's our only appearance form.

Summary: The Judiciary Committee considered four bills. SB 300 would extend a public records exemption for personal information of appellate court clerks and their spouses and children, mirroring protections already given to trial court clerks; after one support appearance and brief debate about harassment risks, it passed 8-1 and was reported favorably. SB 302 would create a similar exemption for current and former Judicial Qualifications Commission employees, citing doxing, threatening calls and emails, and social media intimidation; it passed 9-1 and was also reported favorably. The committee then took up SB 262, which makes technical changes to the Florida Trust Code, including clarifying trust decanting authority, limiting successor trustee actions where beneficiaries are barred, aligning ademption-by-satisfaction rules with the probate code, and clarifying that transferring homestead property into a community trust does not trigger reassessment. An amendment making the changes retroactive as clarifying and remedial was adopted, and the bill passed unanimously 10-0 and was reported favorably. Finally, SB 322 would create a nonjudicial process for commercial property owners to ask the sheriff to remove unauthorized persons from commercial real estate, similar to the recently enacted residential squatter-removal process. Two amendments were adopted to authorize reasonably necessary force and correct cross-references, and the bill passed unanimously and was reported favorably. The committee adjourned after one senator later asked to be recorded as voting yes on SB 300.

Transcript Highlights:

• CARE, support. Cora McCoy, CARE, strongly support. Tina Martin, San Francisco CARE, strong support.
• I strongly support. Morning. Local 3355, I strongly support.
• Damien Bertone, Local 552, strongly support. Strongly support.
• Noel Wilson, Local 522, strong support. Ben Zonizer, Local 522, strong support.
• I strongly support.

Summary: The committee heard several bills focused on public employment, retirement, and recognition of cultural and public service issues. AB 569 would allow local governments and unions to negotiate supplemental pension contributions for certain employees; AB 989 would make California Native American Day an official paid state holiday; AB 268 would recognize Diwali as an official state holiday; AJR 3 would urge protection of Social Security, Medicare, and Medi-Cal from federal cuts; AB 1067 would require misconduct investigations to continue even if an employee retires during the process; AB 1510 made technical and conforming changes to state employee pay and benefits laws and to Santa Clara Valley Transportation Authority labor law; and AB 1233 would create a statewide database of classified school employee employment history and serious misconduct records. The committee also took up AB 1383, which would lower the retirement age for certain first responders and restore some bargaining rights over retirement benefits, drawing extensive testimony for and against. Supporters of the holiday bills emphasized long-overdue recognition of Native American and South Asian communities and the importance of honoring California’s diversity. Supporters of AJR 3 described the reliance of seniors, people with disabilities, and families on federal and state health and retirement programs, warning that cuts would cause serious harm. AB 1067 was presented as a way to prevent employees from retiring to avoid accountability, while AB 1233 was framed as a student-safety measure to help schools identify applicants with prior egregious misconduct. Opposition to AB 1233 focused on due process and the breadth of the misconduct records, and opposition to AB 1383 argued it would reverse PEPRA reforms, raise pension costs, and strain local budgets, while supporters said firefighters and other first responders face unique health and safety risks and deserve earlier retirement. Most bills were reported out of committee on unanimous or near-unanimous votes and placed on hold for add-ons or referral to Appropriations or another committee. AB 912 was taken up on the consent calendar and held; AB 569, AB 989, AB 268, AJR 3, AB 1067, and AB 1510 all advanced with do-pass recommendations and were placed on hold. AB 1233 was moved to the Committee on Education. AB 1383 drew the most extensive debate, with many witnesses in support and opposition, and committee members largely expressing support for first responders while also noting concerns about cost and pension policy.

Bills: HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934

Keywords: judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes

Bills: HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934

Keywords: judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes

Bills: HB146, HB322, HB469, HB1183, HB1481, HB1509, HB1510, HB1511, HB1514, HB1515, HB1516, HB1520, HB1522, HB1524, HB1531, HB1535, HB1548, HB1550, HB1559, HB1573, HB1574, HB1590, HB1593, HB1601, HB1603, HB1615, HB1628, HB1643, HB1644, HB1645, HB1648, HB1663, HB1667, HB1671, HB1678, HB1679, HB1682, HB1688, HB1691, HB1692, HB1695, HB1696, HB1697, HB1716, HB1721, HB1724, HB1725, HB1728, HB1730, HB1733, HB1737, HB1738, HB1739, HB1740, HB1741, HB1742, HB1752, HB1753, HB1764, HB1768, HB1769, HB1777, HB1782, HB1790, HB1799, HB1810, HB1823, HB1824, HB1832, HB1839, HB1840, HB1844, HB1845, HB1850, HB1851, HB1858, HB1860, HB1864, HB1870, HB1873, HB1875, HB1877, HB1878, HB1880, HB1881, HB1886, HB1888, HB1890, HB1892, HB1893, HB1898, HB1921, HB1934

Keywords: judiciary, Hawaiian language, Ōlelo Hawaiʻi, language access, cultural preservation, voter registration, automatic registration, state agencies, electoral participation, opt-out system, disability, parking, travel placard, accessibility, mobility, retirement, pension, law enforcement, public safety, Hawaii Revised Statutes

Transcript Highlights:

• Is there anybody online to support? There's three to support online and none against.
• We would ask that you support this bill. We supported it last year, and I appreciate the time.
• We support this bill.
• Well, congratulations on making those changes to get broad support and bipartisan support.
• I think that's excellent. those changes to get broad support and bipartisan support.

Keywords: 996, all

Transcript Highlights:

• of Senate file 542 which creates support of Senate file 542 which creates a<00:05:24.600> test
• I'm here today to speak in support of Senate File 542.
• This would be retroactive, Madam Chair, to December 31st of 2023.
• I'd like to start by thanking Senator Wesland for authoring and supporting this bill.
• We respectfully request your support for Senate File 61.

Keywords: 1187, senate, all

Transcript Highlights:

• here, and we need your support greatly. here, and we need your support greatly.
• support in the remainder of session. support in the remainder of session.
• going to support the bill. So. going to support the bill. So.
• committee's support for House File 4006. committee's support for House File 4006.
• ask for your support of this bill. ask for your support of this bill.

Bills: HF3489, HF3393, HF3785, SF856, HF4006, HF4615, HF3919, HF4591, HF3682, HF4240

Keywords: grooming, child protection, student safety, sexual exploitation, educator licensing, teacher discipline, mandatory reporting, mandated reporter training, school misconduct, predatory offender, child abuse, sexual abuse, sex trafficking, child sexual abuse material, child pornography, position of authority, school employee, school administrator, license revocation, license suspension

Transcript Highlights:

• Their work strengthens community identity, supports local culture, and reminds us of the value of creativity
• In support with reservations. So ordered. Brief comment. Please proceed. Thank you, Madam Speaker.

Bills: SCR48, SCR28, SCR74, SCR62, SCR60, SCR89, SCR147, SCR179, SCR182, SCR59, SCR54, SCR180

Keywords: affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures

Bills: SCR48, SCR28, SCR74, SCR62, SCR60, SCR89, SCR147, SCR179, SCR182, SCR59, SCR54, SCR180

Keywords: affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures

Transcript Highlights:

• say it really does take all our island resources to help us achieve our goals, and we've had good support
• <00:17:10.000> from fault current and voltage support from fault current and voltage support
• We have 200 of these trucks on the road today in California, mostly supporting the Pepsi facility in
• , mostly supporting the Pepsi um<01:13:03.760> facility<01:13:04.480> in<01:13:05.440><
• There's no support for that uh at all There's no support for that uh at all because<01:31:55.199>

Bills: SCR48, SCR28, SCR74, SCR62, SCR60, SCR89, SCR147, SCR179, SCR182, SCR59, SCR54, SCR180

Keywords: affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures

Transcript Highlights:

• <00:21:25.200> both<00:21:25.520> here<00:21:25.919> in<00:21:26.240> support
• <00:21:26.480> of Scott Sllayton, both here in support of Scott Sllayton, both here in support
• We are looking for some isolated funding in the upcoming budget to support this further and also pull
• c> further<00:24:41.039> and<00:24:41.360> also<00:24:41.760> pull uh to support
• this further and also pull uh to support this further and also pull down<00:24:42.400> federal

Bills: HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB589, HB591, HB609, HB614, SB57, SB280, SB332, HB627

Keywords: Jefferson County, building regulations, zoning, public health, building commissioner, permits, construction, land use, county tax, lodging tax, Henry County, transient accommodations, hospitality industry, local act, sheriff, sheriff's office, task force, abandoned property, stolen property, unclaimed property

Transcript Highlights:

• Grassroot Institute of Hawaii in support. Hawaii Solar Energy Association in support.
• I thank you for your support, and I'm in support of the bill. Thank you. Anyone else? Okay.
• Association in support on Zoom. Association in support on Zoom.
• Young Brothers in support. Aloha. Young Brothers in support.
• I don't know whether you supported it then or you support it now.

Bills: HB1984, HB1593, HB2423, HB1691, HB2283, HB2386, HB1824, HB1697, HB2164, HB2165

Keywords: renewable energy, solar energy, self-certification, building permits, environmental regulations, HB1593, affordable housing, pet-inclusive housing, pet friendly housing, rental housing, affordable rental housing, HHFDC, Hawaii Housing Finance and Development Corporation, tenant pets, companion animals, dogs, cats, landlord-tenant law, security deposit, pet deposit

Summary: The committee heard testimony on HB 1984 HD2, which would require government entities issuing building permits to create a self-certification process for certain behind-the-meter rooftop solar and energy storage systems, allowing approved applicants to proceed without waiting for standard permit review. The Public Utilities Commission and DLNR offered comments, and the Hawaii Solar Energy Association, Holoholo Energy, Photon Works Engineering, Malama Solar, RevoluSun, and others testified in strong support. Supporters said the bill would reduce permitting delays, lower costs, and help meet Hawaii’s renewable energy goals while still relying on licensed engineers, electricians, and county inspections for safety. Committee members asked about risk, existing county pilot programs, and whether self-certification had been used before; witnesses said the professional liability remains with licensed signers and that current automated review systems often flag minor issues that slow projects. The committee also noted 16 additional written testimonies in support. The committee then took up HB 1593 HD1, which would require HHFDC-financed affordable rental housing projects to allow residents to own or keep common household pets. The Hawaiian Humane Society testified that the bill is a top priority because housing restrictions are a major reason pets are surrendered and because many unhoused residents with pets avoid housing that does not allow animals. In response to questions, the Humane Society said concerns about pet-related damage are overstated, suggested pet behavior screening as a safeguard, and said it would be willing to work on broader private-market pet-friendly housing policies. Members raised concerns about whether allowing pets in public housing could create problems for residents who later transition to the private market, and the witness said California has a similar law and no major negative effects had been identified. Finally, the committee heard HB 2423 HD2, which would require that by January 1, 2028, diesel fuel sold in Hawaii for on-highway vehicles contain at least 5% biodiesel by volume. The Hawaii State Energy Office offered comments, and Hawaii Transportation Association and Pacific Biodiesel Technologies testified in support. Pacific Biodiesel argued the mandate would improve energy security, stabilize fuel prices amid global supply disruptions, and support local clean-fuel production. In response to questions, the company said its nameplate capacity is 5.5 million gallons per year and it has produced over 6 million gallons annually, but much of its output is tied up in standby generator contracts that can fluctuate. Witnesses said the mandate would provide a stable market signal and could support future investment in expanded local biodiesel production, including agricultural feedstock development and a possible second refinery. No votes or final actions were taken during the portion of the meeting provided.

Transcript Highlights:

• Advocacy in support. Advocacy in support.
• speaks in support. speaks in support.
• Education and support. Education and support.
• support. Apologies. support. Apologies.
• . support. support.

Bills: HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.