Transcript Highlights:

• Actually, thank you for the question about the commercial lenders.

Committee: All ALC-HOSPITAL, MEDICAID, & DEVELOPMENTAL DISABILITIES STUDY SUBCOMMITTEE

Transcript Highlights:

• It creates a clear, predictable framework for courts, lenders, and businesses when a receiver is necessary

Bills: HB1453 , HB2933 , HB2941 , HB2945 , HB2959 , HB3087 , HB3094 , HB3297 , HB3298 , HB3319 , HB3321 , HB3386 , HB3453 , HB3471 , HB3505 , HB3510 , HB3544 , HB3549 , HB3652 , HB3727 , HB3791 , HB3845 , HB3906 , HB4119 , HB4125 , HB4126 , HB4198 , HB4236 , HB4425 , HB4343 , HB4094 , HB3407

Committee: House Civil Judiciary

Keywords: foreign ownership, property rights, agricultural land, Attorney General, divestment, real estate, felony penalties, insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, fentanyl, overdose, first responders, drug reporting, immunity, controlled substances, penalties, abortion

Transcript Highlights:

• state with wholesale lending programs to support housing and climate, small businesses, and community lenders

Bills: SB5754

Committee: Senate Ways & Means

Keywords: public bank, state bank, finance, banking regulations, economic development, state investment

Transcript Highlights:

• I used to be a practitioner, but now I am a commercial lender and facilitate that way.

Committee: House Utilities

Transcript Highlights:

• 2025 budget included large assessment fee increases on licensees, including residential mortgage lenders

Committee: House Appropriations

Transcript Highlights:

• can be used to sell the property to unknowing buyers or to borrow against the property from unknown lenders

Bills: SCR46 , SB31 , SB39 , SB227 , SB330 , SB401 , SB407 , SB467 , SB482 , SB500 , SB506 , SB512 , SB527 , SB584 , SB619 , SB636 , SB646 , SB647 , SB648 , SB659 , SB663 , SB715 , SB732 , SB758 , SB801 , SB816 , SB847 , SB870 , SB884 , SB1020 , SB1055 , SB1065 , SB1137 , SB1169 , SB1181 , SB1283 , SB1383 , SB1395 , SB1410 , SB1433 , SB1490 , SB1558 , SB1574 , SB1626 , SB1666 , SB1718 , SB1727 , SB1756 , SB1757 , SB1845 , SB1924 , SB1964 , SB1972 , SB2018 , SB2031 , SB2075 , SB2076 , SB2080 , SB2111 , SB2117 , SB2154 , SB2161 , SB2173 , SB2206 , SB2225 , SB2253 , SB2268 , SB2314 , SB2322 , SB2351 , SB2371 , SB2476 , SB2533 , SB2540 , SB2570 , SB2589 , SB2623 , SB2658 , SB2660 , SB2692 , SB2693 , SB2717 , SB2722 , SB2753 , SB2779 , SB2877 , SB2880 , SB2900 , SB2920 , SB3031 , HJR4 , SB5 , SB260 , SB1786 , SJR3 , SJR18 , SB1 , SJR36 , SJR50 , SJR63 , SJR84 , SJR59 , SCR12 , SCR39 , SCR46 , SCR48 , SCR19 , SB2023 , SB62 , SB666 , SB847 , SB284 , SB854 , SB1073 , SB810 , SB1505 , SB583 , SB1502 , SB507 , SB1026 , SB1433 , SB1434 , SB1376 , SB1585 , SB1772 , SB2016 , SB1163 , SB619 , SB1122 , SB732 , SB731 , SB397 , SB508 , SB1436 , SB287 , SB261 , SB1882 , SB393 , SB1791 , SB529 , SB209 , SB2429 , SB1999 , SB511 , SB2309 , SB510 , SB1924 , SB2253 , SB2018 , SB2206 , SB584 , SB1085 , SB1490 , SB2314 , SB2046 , SB1975 , SB2717 , SB1262 , SB1524 , SB1137 , SB636 , SB2056 , SB1558 , SB884 , SB227 , SB517 , SB1200 , SB1410 , SB1626 , SB1845 , SB1863 , SB2681 , SB2200 , SB2199 , SB1757 , SB2050 , SB2458 , SB2201 , SB1055 , SB2660 , SB2662 , SB1065 , SB801 , SB2533 , SB3014 , SB3013 , SB758 , SB648 , SB647 , SB512 , SB1721 , SB2268 , SB2366 , SB1013 , SB2692 , SB2570 , SB2797 , SB2111 , SB2371 , SB2383 , SB646 , SB1169 , SB1754 , SB1718 , SB2779 , SB2004 , SB1756 , SB2119 , SB527 , SB2322 , SB2448 , SB1777 , SB1283 , SB407 , SB2392 , SB2076 , SB2786 , SB3031 , SB2877 , SB2876 , SB2284 , SB2225 , SB1540 , SB2920 , SB2929 , SB1395 , SB1972 , SB2540 , SB2742 , SB2595 , SB2217 , SB2117 , SB715 , SB2330 , SB1964 , SB1383 , SB500 , SB1640 , SB2001 , SB2080 , SB2722 , SB506 , SB2514 , SB2623 , SB2658 , SB1574 , SB2900 , SB2753 , SB2398 , SB401 , SB1241 , SB2927 , SB2173 , SB2538 , SB898 , SB467 , SB1449 , SB2529 , SB1531 , SB2846 , SB2476 , SB2031 , SB986 , SB1181 , SB2075 , SB2154 , SB2864 , SB31 , SB2880 , SB1359 , SB2386 , SB771 , SB2844 , SB2550 , SB1351 , SB1423 , SB1931 , SB2245 , SB2589 , SB2707 , SB2807 , SB2351 , SB410 , SB659 , SB816 , SB2776 , SB2693 , SB2580 , SB1980 , SB1886 , SB1234 , SB739 , SB482 , SB456 , SB127 , SB1666 , SB2843 , SB2801 , SB800 , SB2055 , SB784 , SB2986 , SB735 , SB1012 , SB324 , SB2926 , SB2938 , SB2007 , SB2138 , SB1242 , HJR4 , HB135 , HB 1109 , SCR30 , SCR3 , SB2615 , SB1049 , SB2310 , SB1224 , SB2972 , SB1568 , SB2841 , SB2885 , SB3016 , SB2858 , SB2610 , SB2139 , SB1856 , SB2035 , SB2308 , SB2306 , SB2041 , SB1528 , SB1681 , SB1141 , SB2401 , SB2530 , SB2375 , SB547 , SB1266 , SB1373 , SB1467 , SB2069 , SB2269 , SB2480 , SB2544 , SB672 , SB904 , SB2695 , SB2891 , SB2422 , SB2543 , SB1854 , SB317 , SB2539 , SB2532 , SB2925 , SB1250 , SB2082 , SB2203 , SB457 , SB2357 , HCR35 , HCR64

Summary: The Senate first adopted a motion to move the intent calendar deadline to 4 p.m. and then took up several bills by suspending the regular order of business. Senate Bill 2031, concerning removal of high fences around breeder deer release sites, passed after an amendment shortened the testing period from five years to three, tied visible identification requirements to the date Parks and Wildlife began requiring them, and made the bill effective immediately. Senate Bill 1490, a cleanup to adult charter high school funding, and Committee Substitute Senate Bill 2227, creating a process for delayed birth certificates and renamed the Charles E. Barton Act, both passed unanimously after floor amendments. Committee Substitute Senate Bill 1964, regulating artificial intelligence systems used by state agencies, also passed unanimously after the author described guardrails for high-risk AI and disclosure requirements. The Senate then considered Senate Bill 2877, which increases penalties for election fraud and related attempts; after debate over whether existing law already covers some conduct and whether the bill was necessary given the small number of convictions, it passed to engrossment and later final passage on a 21-10 vote. Committee Substitute Senate Bill 2658, on brackish groundwater production and study, passed after four amendments, including one giving water districts authority to stop production if monitoring shows harm to freshwater supplies or subsidence and another returning a portion of transported water revenue to districts. Committee Substitute Senate Bill 648, strengthening recording requirements for real property instruments to help prevent deed theft, also passed on a 26-4 vote. Other measures approved included Committee Substitute Senate Bill 401, making it easier for homeschool students to participate in UIL activities through local district opt-in/nearest-district participation rules; Committee Substitute Senate Bill 407, requiring health care facilities to honor conscience or religious vaccine exemptions for employees, despite extensive questioning about patient safety and immunocompromised patients; Committee Substitute Senate Bill 2117, creating a Texas Committee on Foreign Investment to review risky foreign acquisitions; Senate Bill 1718, adding the NRA annual meeting to the major events reimbursement program after a failed amendment seeking equal space for gun-control advocacy; Committee Substitute Senate Bill 1626, clarifying limits on censorship and interference with digital expression by social media platforms; and Senate Bill 2206, updating the state R&D franchise tax credit and related sales tax treatment, which passed 31-0. The chamber also debated Senate Bill 1395 on school health advisory councils. An initial amendment to restore voting seats for teachers and school employees failed, but a later amendment by Senator West added students back in an advisory, non-voting capacity. The Senate then handled routine motions, committee scheduling, first-reading referrals, and adjourned until April 29, with the session ending in memory of two constituents.

Transcript Highlights:

• behind that comes the CBO report, bipartisan report, in which they say property owners, mortgage lenders

Committee: Senate Finance Committee

Keywords: nomination, Deputy Secretary of Treasury, economic policy, inflation, tariffs, tribal nations, government relations

Summary: The meeting convened to consider the nomination of Mike Falkender for the position of Deputy Secretary of the Treasury. During the session, multiple members voiced concerns regarding current economic policies under the Trump administration, particularly around inflation, tariffs, and the impact on small businesses. Discussions frequently centered on the administration's approach to tariffs and taxation, and how these factors contribute to the rising cost of living and potential job losses. Additionally, the importance of bolstering government-to-government relationships with tribal nations was emphasized, highlighting the need for specialized offices focused on tribal affairs within the Treasury Department.

Transcript Highlights:

• extend the existing market development payment program for glass bottle manufacturers and increase the cap
• The bill, combined with Governor Newsom's proposed increase in the tax credit cap to $750 million, will
• And it lifts the cap on those productions and creates additional opportunities.
• applies to state-chartered banks, credit unions with assets over $75 million, residential mortgage lenders

Summary: The Assembly met after a quorum call and first dealt with a procedural dispute over four amendments to AB 1240. The Speaker ruled the amendments out of order as not germane, and the Assembly sustained that ruling on a 49-16 vote. Members then added co-authors to several consent-calendar resolutions, including measures on the National Conference of State Legislators, Suicide Prevention Awareness Month, ALS Awareness Month, and Men’s Mental Health Month, before adopting the consent calendar. The chamber also heard guest introductions, including a welcome for Oakland Mayor Barbara Lee, and took up a motion to bring AB 41 up out of file, which failed 19-48. The bulk of the meeting was floor action on a long series of bills and resolutions, many of which passed with broad bipartisan support. Measures approved included ACR 40 supporting immigrant students and FAFSA privacy; AB 917 on permanent status for certain school employees; AB 985 on anesthesia access; AB 7 and AB 42 on higher education and student services; AB 245 providing property tax relief for wildfire victims; AB 255 allowing funding for drug-free recovery housing; AB 279 updating K-12 library standards; AB 289 creating a pilot for automated speed enforcement in highway construction zones; AB 291 on an educator apprentice program; AB 327 addressing swatting; AB 340 on confidential union communications; AB 341 creating an oral health technical assistance center for people with disabilities; AB 356 on San Diego health care infrastructure; AB 410 on bot disclosure; AB 476 on copper theft enforcement; AB 477 on educator pay targets; AB 485 on stolen wages and business licensing; AB 487, the insurance committee’s technical omnibus bill; AB 573 on tobacco retail license fees; AB 598 on school mapping technology; AB 635 on mobile home law enforcement referrals; AB 651 on remote participation for incarcerated parents in dependency hearings; AB 654 on homelessness hotline assistance in Los Angeles County; AB 662 creating a South County higher education task force; AB 667 on language access in professional licensing; AB 669 limiting early denial of addiction treatment; AB 670 on naturally occurring affordable housing; AB 695 on online continuation of community college for deported students; AB 723 on disclosure for digitally altered real estate images; AB 727 placing Trevor Project information on student IDs; and AB 736, a $10 billion affordable housing bond for the June 2026 ballot, which passed on a 61-11 urgency vote after extensive debate. Debate on AB 736 was the most extensive of the day, with supporters arguing the bond would help address California’s housing crisis and give voters a chance to weigh in, while opponents criticized the state’s bond debt and past spending results. The Assembly then recessed for caucus meetings and later returned to continue the daily file, where additional measures were taken up, including AB 798 adding diapers and wipes to the emergency food bank reserve program, which passed 56-0, and AB 821 on career technical education, which was presented as bipartisan-supported as the transcript continued.

Transcript Highlights:

• And if there's no caps to try to keep those costs down to your point, why not?
• There is a cap. It's 15%. So the comparison... Thank you, Mr. President. There is a cap. It's 15%.
• You said that there is a cap.
• It's that 15% cap right now. That's the deal.
• And I went to apply for a loan, and the lender looked at my financial statement.

Summary: The Senate opened with prayer, the Pledge of Allegiance, and several introductions and memorial remarks, including a moment of silence for service members killed in the conflict in Iran. The chamber then moved to special orders and took up a series of bills, with many measures passing unanimously after brief explanations and, in several cases, substitution of House companions. Early bills included CS/CS/SB 1062 on speech and debate education, which drew extensive supportive debate about the civic value of debate programs and passed 37-0, and SB 1072 on an anti-Semitism task force, which was amended to clarify that criticism of Israel is not prohibited and then passed 37-0. The Senate also approved CS/CS/SB 1230/HB 1019 on PFAS chemicals and firefighting foam, with discussion focused on phasing out AFFF, testing requirements, exceptions for federal aviation and military uses, and support for firefighters and water quality; the bill passed 37-0. Other measures passed without opposition included SB 1706 on the My Safe Florida Condominium Pilot Program, SB 186 on student health and safety and seizure response training, SB 598 on funeral and cemetery services, SB 990/HB 883 on protected cell captive insurance companies, SB 554 on nonprofit corporations, SB 560 on child welfare and foster care medication procedures, SB 684/HB 961 on electronic signatures for salvage titles, and SB 778/HB 569 on forensic client services. Two bills, SB 432 on intoxicating substances and SB 928 on dangerous crimes, were temporarily postponed. A major portion of the meeting was devoted to SB 1134 on official actions of local governments and DEI-related activities. The sponsor argued the bill would prevent counties and municipalities from funding or promoting DEI efforts he described as discriminatory or indoctrinating, while opponents offered amendments to narrow the bill to spending only, add an intent requirement for penalties, and preserve local proclamations and observances. Those amendments were debated at length but were not adopted. The sponsor then continued explaining the bill’s exceptions, including references to holidays, heritage sites, and the Pulse Memorial, and the chamber was still in debate on the underlying measure when the transcript ended.

Transcript Highlights:

• There is a cap. It's 15%.
• There is a cap. It's 15%.
• You said that there is a cap.
• You said that there is a cap.
• It's that 15% cap right now. That's the deal.

Transcript Highlights:

• AB 2403 is a modest fix: a 20% credit in the L.A. zone, 30% outside, capped at $15 million, with workforce
• never talk about the private wealth that's still been generated, the fact that many of the major lenders
• never talk about the private wealth that's still been generated, the fact that many of the major lenders

Summary: The Senate Public Safety Committee met without a quorum and operated as a subcommittee while hearing a long agenda of bills. Early items included AB 2605, which would require statewide reporting on public defense services; supporters said California lacks basic data on how indigent defense is delivered and that the bill would help identify under-resourced counties, while no opposition appeared. AB 1650 would require rental vehicles used in law enforcement operations to display agency identification; supporters framed it as a transparency and community-trust measure in response to immigration enforcement tactics, while sheriffs and police groups opposed it unless amended, arguing it could compromise undercover and task-force operations and raise legal and indemnification concerns. AB 1930 would require notice to the Attorney General before business entities respond to subpoenas involving legally protected abortion or gender-affirming care information; supporters said it protects patient privacy and provider safety, while opponents raised constitutional, law-enforcement, and business-burden concerns. The committee also heard AB 458, directing state procurement guidelines for firearms and accessories so agencies buy from responsible vendors, with support from police chiefs, gun-violence prevention groups, and local officials, and no opposition testimony offered. The committee then heard AB 1588 on sideshows and street takeovers, which would update the definition of sideshows, include motorcycles and dirt bikes, and align penalties with street racing. Supporters, including police, city, transportation, and road-safety advocates, said the bill responds to dangerous events, property damage, and injuries; opponents from civil liberties and public defender groups argued higher fines and criminal penalties are ineffective and disproportionately harm low-income people, favoring roadway design and community-based prevention instead. AB 910, the Survivors Act, would expand affirmative defenses and vacature relief for survivors of trafficking, intimate partner violence, and sexual violence; supporters, including a survivor who described decades of abuse and wrongful conviction, said the bill gives survivors a chance to tell their stories and seek relief, while district attorneys opposed expanding relief to violent offenses and warned it could erase restitution and undermine victims’ rights. AB 2624 would expand Safe at Home confidentiality protections to immigrant service providers, employees, and volunteers; supporters described threats, doxxing, and harassment against immigrant-serving organizations, while opponents claimed the bill was prompted by investigative reporting on fraud and would chill journalism and transparency. The committee also heard AB 31, making the tribal police pilot program permanent and creating a missing and murdered Indigenous persons task force, which drew strong support from tribal representatives and no opposition. Later, AB 1959 sought to close a resentencing loophole tied to a 2001 Santana High School shooting case by restoring judicial discretion in resentencing for certain juvenile offenders; supporters said the current process can lead to automatic release even after parole denial, while opposition testimony began with concerns that the bill was responding to one case and lacked broader evidence. Throughout the hearing, members repeatedly noted they supported several bills but could not formally vote because the committee lacked a quorum, so motions were held for later action.

Transcript Highlights:

• As the largest shareholder of multilateral lenders like the World Bank, the United States must ensure
• As the largest shareholder of multilateral lenders like the World Bank, the United States must ensure
• As the largest shareholder of multilateral lenders like the World Bank, the United States must ensure
• Remember the PPP loans to the smallest businesses, MDIs, and other community lenders are critical to
• , well cap be well capitalized<03:56:26.160><c> and</c><03:56:26.399><c> operate</c><03:56:26.800><c>

Bills: HB2853 , HB2071 , HR1259 , HB8352 , HB2267 , HR1252 , HR1251 , HB4478 , HB3709 , HB4437

Keywords: organized retail crime, retail theft, cargo theft, supply chain crime, shoplifting, organized theft groups, cargo diversion, stolen goods, fencing, online marketplace, e-commerce, gift cards, prepaid cards, money laundering, Homeland Security Investigations, HSI, Department of Homeland Security, DHS, interstate theft, transnational crime

Transcript Highlights:

• And if there's no caps to try to keep those costs down to your point, why not?
• And if there's no caps to try to keep those costs down to your point, why not?
• There is a cap. It's 15%.
• You said that there is a cap.
• It's that 15% cap right now. That's that's the deal.

Summary: The Senate opened with prayer, the Pledge of Allegiance, and several introductions and moments of silence, including tributes to fallen service members. The chamber then moved through a special order calendar focused on a series of bills, with most measures receiving unanimous or near-unanimous support after brief explanations and floor debate. Several bills were temporarily postponed, but the body took up and passed multiple others, often substituting identical House companions before final passage. The first major measure, SB 1062 on speech and debate education, drew extensive supportive debate from senators who described debate as a civic skill that builds confidence, critical thinking, and conflict resolution, especially for students in public schools and underserved communities. An amendment creating a Speech and Debate Hall of Fame, expanding access through public-private partnerships, and establishing coach training was adopted, and the bill ultimately passed 37-0. The Senate also passed SB 1072 creating an Anti-Semitism Task Force, with a late-filed amendment clarifying that the bill does not restrict criticism of Israel and is not intended to infringe First Amendment rights; that bill also passed 37-0. Other measures passed included a PFAS bill phasing out firefighting foam containing forever chemicals and setting testing, reporting, and enforcement requirements; an expansion of the My Safe Florida Condominium Pilot Program; student health and safety legislation expanding seizure-response training in schools; updates to funeral and cemetery regulation; protected cell captive insurance company legislation aimed at increasing insurance market capacity; nonprofit corporation updates; child welfare reforms streamlining foster-care medication approvals and related procedures; salvage title/e-signature changes; and forensic client services changes allowing certain APD clients to be housed with other secure forensic residents. Most of these bills were passed after substituting House companions and received unanimous votes. The most contentious debate came on SB 1134 regarding official actions of local governments and DEI-related activities. Senator Yarborough argued the bill would stop counties and cities from funding or promoting DEI practices he described as discriminatory or ideological, while several amendments sought to narrow the bill to spending only, add an intent requirement for penalties, and preserve local proclamations and observances such as LGBTQ Pride Month. Those amendments were rejected, and debate continued on the bill’s scope and exemptions, but the transcript ends before final disposition of SB 1134 is shown.

Transcript Highlights:

• .<01:19:59.720><c> Lenders</c><01:20:00.240><c> are</c><01:20:00.360><c> less</c><01:20:00.640><c> likely
• Lenders are less likely to services.
• Lenders are less likely to extend<01:20:01.520><c> lines</c><01:20:01.760><c> of</c><01:20:01.880><c>

Committee: Senate Human Services

Transcript Highlights:

• that was more defined broadly, but the way it's written now, I'm concerned, especially without the lender
• market and, or the private bank market if that's appropriate, and then we will get the appropriate lender
• The lender provides the money on the strength of the institution or the strength of the borrower, not

Committee: House Higher Education Finance and Policy

Transcript Highlights:

• with</c><00:21:03.840><c> 3%</c><00:21:04.640><c> for</c><00:21:04.880><c> the</c><00:21:05.080><c> cap
• </c><00:21:05.400><c> that</c><00:21:05.600><c> the</c> replaces 2% with 3% for the cap that the replaces
• 2% with 3% for the cap that the Department<00:21:06.040><c> of</c><00:21:06.080><c> Finance</c><00:21
• Using supplemental revenue sources to pay the refinancing bonds can be expected to eliminate market lender
• The supplemental revenue sources are expected to eliminate market lender concerns over current system

Transcript Highlights:

• seeks to strengthen protections for small businesses by requiring currently unregulated financial lenders

Transcript Highlights:

• We can find a very strong band of critical stakeholders—developers and landowners, lenders, technical

Summary: The committee first heard updates on the Model Toxics Control Act (MTCA) and related funding. Department of Ecology staff explained how MTCA and the hazardous substance tax support cleanup, prevention, stormwater, and local assistance programs, but said forecasted revenues have declined while appropriations and transfers have outpaced incoming funds. Ecology said the operating account will require underspending to stay balanced this biennium and that the problem is ongoing, with further reductions possible if forecasts worsen. Ecology also reviewed the state cleanup program, noting there are more than 14,500 cleanup sites in Washington and that new sites continue to be discovered faster than they are cleaned up. A question from Representative Lee raised the long-term issue of declining fossil-fuel-based revenue, and Ecology agreed that this is a future structural concern even though the current shortfall is driven more by forecasts and transfers than by fuel-use decline. The Pollution Liability Insurance Agency described its underground storage tank and heating oil programs, saying it has modernized from a reinsurance model to a financial assurance model with stronger state oversight and cleanup milestones. Russ Olson said the agency’s dedicated petroleum tax account is in strong financial condition, but emphasized the importance of preserving that funding source. He also discussed the loan and grant program for historic commercial releases and a new heating oil loan/grant program, while noting the agency is working on equity concerns where liens can be disproportionate to property values in smaller communities. Practitioners and advocates then offered differing views on MTCA’s performance: one attorney urged a collaborative review process to make cleanups faster, less expensive, and more certain, while another consultant argued the program is too conservative and process-heavy and should focus more narrowly on actual exposure and realistic cleanup standards. Environmental and community groups countered that MTCA is essential for cleanup, pollution prevention, stormwater control, and public participation, and that it is especially important for environmental justice communities such as the Duwamish Valley. Port and city representatives stressed that MTCA grants and cleanup funding are critical for large redevelopment projects, but said long timelines, permitting delays, and funding uncertainty can slow projects and jeopardize commitments. The committee then shifted to utility wildfire risk. Staff summarized recent legislation, including requirements for utility wildfire mitigation plans, creation of a wildfire mitigation standards work group, authorization for captive insurance by local governments and PUDs, securitization authority for disaster costs, and the existing wildfire response and resilience account. Chelan County PUD and Puget Sound Energy described extensive mitigation efforts such as vegetation management, grid hardening, undergrounding, AI smoke cameras, weather stations, enhanced operating settings, public safety power shutoffs, and community outreach. Both said wildfire risk is rising and insurance costs are increasing, and Chelan PUD asked the Legislature to restore funding to the wildfire response and resilience account. The Office of the Insurance Commissioner said a 2022 utility liability market study found insurance availability is tightening as perceived risk rises, and reported that a 2025 work group recommended restoring community resilience funding, requiring insurers to share wildfire risk scores and mitigation steps with property owners, and creating a grant program based on insurance industry wildfire standards. A PNNL scientist added that wildfire probability is increasing in parts of Washington and that mitigation requires long-term, landscape-scale coordination. The final speaker began describing California’s approach to wildfire risk, but the transcript cuts off before that presentation concluded.

Transcript Highlights:

• And then we did a series of work sessions with builders and developers, with finance and lenders, as

Committee: Senate Housing

Summary: The committee heard a presentation from Civic Commons on the Starter Home Production Plan, developed under the Covenant Home Ownership Act to address Washington’s shortage of starter homes for low- and moderate-income buyers. Speakers said housing prices have far outpaced incomes, and argued that incremental fixes have not worked. They described a statewide, systems-based plan centered on smaller, standardized homes, off-site construction, pre-approved plans, new financing tools, a developer network, and a temporary cross-sector crisis task force to coordinate implementation. Committee members asked about the role of silos, target income ranges, geographic applicability, and pre-approved plans; Civic Commons said the effort is intended to support households roughly from 60% to 120% of area median income and to work across urban and rural contexts. The Department of Labor and Industries then reported progress on factory-built housing regulation. L&I said it has prioritized residential plan reviews, reducing turnaround times from months to about two days, and has created a new plans examiner supervisor position. The department also said it is formalizing third-party review and inspection rules, building a customer-tracking database, and reviewing national standards from the Modular Building Institute for possible alignment with state code. Committee members and L&I discussed the value of standardized plans and the need to balance speed with code compliance and safety. The Washington State Building and Construction Trades Council testified that it supports efforts to reduce permitting delays but warned against weakening safety standards or labor protections. Labor representatives said off-site fabrication can help housing delivery only if it preserves worker safety, fair wages, apprenticeship opportunities, and compliance with labor laws. They raised concerns about wage theft, misclassification, and underground-economy risks in residential construction, and suggested stronger front-end contractor licensing and training. Committee members responded that the state needs both housing production and good jobs, and that apprenticeship and workforce development remain important. The committee also heard from several cities about local housing code changes. Olympia described an affordable housing emergency ordinance that prioritizes affordable projects in the permitting queue, while noting that staff capacity and cross-department communication are critical. Walla Walla, an early adopter of middle housing, said it eliminated single-family zoning, expanded ADUs and MFTE, and has seen more duplexes, ADUs, and smaller-lot development, though it still faces neighborhood opposition and infrastructure-related barriers. Des Moines described adopting middle housing and ADU ordinances just before the deadline, after a lengthy process involving density, parking, and staffing challenges. Poulsbo said it proactively adopted multiple housing code changes, including duplexes on corner lots, unit lot subdivisions, a manufactured home overlay, and six shared pre-approved ADU plans with neighboring jurisdictions; it also highlighted a senior housing project using city land and public funding. Across the city testimony, speakers emphasized that zoning changes help but are only one part of the housing puzzle, and several urged more support for local staff, standardized plans, and broader reforms to permitting and infrastructure requirements.

Transcript Highlights:

• And then we did a series of work sessions with builders and developers, with finance and lenders, as

Summary: The Senate Housing Committee work session focused first on Civic Commons’ “starter home production plan,” a statewide strategy intended to increase production of homes affordable to households roughly between 60% and 120% of area median income. Presenters said the Covenant Home Ownership program will not succeed without more starter homes, and outlined recommendations including a temporary cross-sector crisis task force, a developer network, new financing tools, public seed funding, and a multi-site demonstration program to test off-site construction and standardized designs. Committee members asked about silos in the current system, the role of off-site and modular construction, target income ranges, and where the plan would be most useful. Civic Commons said the plan is meant to be statewide, community-informed, and respectful of local context, with pre-approved plans and standardized approaches for both single-family and multi-unit housing. The Department of Labor and Industries then gave an update on factory-built housing oversight. Officials said residential factory-built structures are a small but important part of their work and described progress in prioritizing residential plan reviews, which they said has reduced review time from months to about two days. They also reported creating a plans examiner supervisor position, moving forward with rules for third-party plan review and inspection, and beginning analysis of national standards from the Modular Building Institute to see whether they align with state code. Committee members and L&I discussed the value of standardized plans, real-time tracking for applicants, and the role of state inspection in reducing local jurisdictional variation. The Washington State Building and Construction Trades Council testified that it supports efforts to reduce permitting delays and increase housing production, but warned against weakening safety standards or labor protections. The labor representatives said prefabrication and modular construction can help if the workforce is protected, wages and apprenticeship opportunities are preserved, and projects use tools such as community workforce agreements. They also raised concerns about wage theft, misclassification, and unlicensed contractors in residential construction, and suggested stronger front-end contractor education or licensing. Committee members responded that the goal is to expand production without sacrificing safety or good jobs. The committee also heard city perspectives on local housing reforms. Olympia described its affordable housing emergency ordinance, which gives qualifying projects priority in the permitting queue, and said success depends on communication among housing staff, planners, engineers, and developers. Walla Walla, an early adopter of middle housing, reported increased ADUs, duplexes, and smaller-lot development after eliminating single-family zoning and expanding tools such as MFTE and ADU flexibility. Des Moines described adopting middle housing and ADU ordinances in June 2025 after a lengthy public process, while Poulsbo described proactive code changes including duplexes on corner lots, unit lot subdivisions, manufactured home protections, expanded ADU allowances, and pre-approved ADU plans shared with neighboring jurisdictions. No votes were taken during the work session.