Video & Transcript Research : 'utility tariffs'
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NM
New Mexico 2025 Regular Session
IC - Mortgage Finance Authority Act Oversight Sep 2nd, 2025
Mortgage Finance Authority Act Oversight Committee
Transcript Highlights:
- The Fed started lowering rates a year ago but then paused in tariffs.
- The programs provide housing affordability and stability, lowering costs for residents by reducing utility
- The utilities, what Investment to keep New Mexicans in their home. And thank you for this project.
- we do not begin to we don't want to have families forced out because of their inability to afford utility
- So, in addition to the emergency shelter assistance that will pay for rental arrears, utility payments
TX
HI
Transcript Highlights:
- They're looking at what the tariffs are going to cost them. It's going to affect everybody.
- They're looking at what the tariffs are going to cost them. It's going to affect everybody.
- They're looking at what the tariffs are going to cost them. It's going to affect everybody.
NH
New Hampshire 2025 Regular Session
House Finance Division I (05/13/2025)
Transcript Highlights:
- And I believe this would also include our utility pole permits.
- Um, what I do not utility pole permits.
- I don't know how they feel about all this tariff stuff.
- know how they feel about the<01:03:05.839>
all <01:03:06.000>this <01:03:06.240>tariff - stuff is maybe we'll the all this tariff stuff is maybe we'll just<01:03:08.000>
go <01:03:08.160
Summary:
The committee took up House Bill 74, which would require agencies issuing certain real-property-related permits to track and report how many permits they issue and how long the process takes. Representative Carol McGuire introduced the bill and said the goal is to gather data on permit timing and fees, especially for DES and DOT permits involving wetlands, alteration of terrain, driveway permits, and similar approvals. Supporters argued the state needs better visibility into permitting delays and whether statutory deadlines are realistic; they also noted the bill had passed the House on a voice vote with no debate.
Adam Crapo of the Department of Environmental Services said DES is generally supportive of the reporting concept but warned that the agency’s data are spread across many separate, partly manual databases. He said DES can already do this for some land resources permits through its new system, but not across all of its more than 90 permit types without additional help. DES estimated it would need two part-time positions to compile the reports, especially for waste management and water programs, and said otherwise existing permitting staff would have to do the work, potentially slowing permit processing. He also said the agency is already working to simplify rules and move more permits onto a new online platform, but could not meet the bill’s 2026 reporting deadline with current staffing and systems.
Committee members questioned whether delays are often caused by incomplete applications rather than agency inaction, and Crapo said that is frequently the case. He said DES already tracks timelines to some extent for management and statutory compliance, but not at the individual-permit detail the bill would require. He also said some letters and records are captured in One Stop, but not all are. Members expressed support for the bill’s transparency goals while also worrying about added workload and possible slowdowns. The discussion then moved to DOT, where Susan Clawson said DOT is neutral on the bill because it recently implemented Salesforce and now has good data for reporting; DOT’s fiscal note reflects software-related costs, but the agency can already track the required information in its system.
MN
Minnesota 2025 1st Special Session
Committee on Housing and Homelessness Prevention - 02/11/25
Housing and Homelessness Prevention
Transcript Highlights:
- on the other side, you know, adding to this crisis of skyrocketing expenses, including insurance, utilities
- on the other side, you know, adding to this crisis of skyrocketing expenses, including insurance, utilities
- on the other side, you know, adding to this crisis of skyrocketing expenses, including insurance, utilities
- for building, and could be facing much steeper costs if in the next two weeks the threatened 25% tariffs
- and could be facing much steeper costs if, in the next two weeks, the predicted or threatened 25% tariffs
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Community Development and Small Businesses Jun 21st, 2026 at 10:00 am
Joint Committee on Community Development and Small Businesses
Transcript Highlights:
- We've got the problem with the tariffs on Canadian lumber and so on.
- We've got the problem with the tariffs on Canadian lumber and so on.
Summary:
The Joint Committee on Community Development and Small Businesses held a brief hearing on several housing and planning bills. Testimony focused on Senate Bill 176 and House Bill 313, which would update Chapter 40R smart growth zoning incentives and double municipal payments for adopting qualifying zoning districts, and Senate Bill 177, a technical correction to Chapter 40S so starter-home districts created under Chapter 40Y would also qualify for school cost reimbursement. Benjamin Fierro, representing the Home Builders and Remodelers Association of Massachusetts, strongly supported the bills, arguing that the current incentives are too modest, that starter homes are needed for young and first-time buyers, and that the school reimbursement fix is necessary to align the statutes. Nally Soto of the Massachusetts Housing Coalition also supported the bills, saying the higher incentives would help municipalities approve more housing and address the housing shortage.
Representative Kassner testified on House Bill 303, a remote community development planning bill modeled on Executive Order 418. She said it would restore and expand statewide comprehensive planning for land use, transportation, housing, open space, infrastructure, and climate resilience, with regional planning agencies playing a key role. Committee members asked about how Chapter 40S reimbursement is calculated and how the planning bill would interact with existing regional planning commissions. One member also spoke in support of the housing bills and described local challenges with affordability, land costs, and compliance with the MBTA Communities law.
No votes were taken during the hearing. The chair closed testimony after a final call for additional witnesses and announced that the committee would continue working on the bills and hold one more hearing in September on additional measures and late-filed bills. The committee then adjourned by motion and second.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, December 1, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- regime, and adopting president's tariff regime, and adopting new<02:19:16.800>
technologies <02 - As a result of the crushing use of tariffs imposed unilaterally by the President, small businesses are
- This bill ensures that the office will be utilized to reach each rural entrepreneur where they are and
- This bill ensures that the office will be utilized to reach each rural entrepreneur where they are and
- on the utility bills. on the utility bills.
NH
New Hampshire 2026 Regular Session
House Commerce and Consumer Affairs (01/29/2026)
Commerce and Consumer Affairs
Transcript Highlights:
- <02:07:44.239>
parental proactive about utilizing parental proactive about utilizing parental - I think that would be to the tariffs.
- > could<04:17:49.520>
be That could be tariffs, could be That could be tariffs, could be inflation - not considered a utility like gas, oil, electric, or water.
- So the regular utility regulations do not cover propane.
MN
Minnesota 2025 1st Special Session
Bill to allow striking workers to receive unemployment benefits heard in committee 4/3/25
Transcript Highlights:
- This is an uncertain time for all working people who stand to be harmed by tariffs that will inevitably
- 09.360>
by working people who stand to be harmed by working people who stand to be harmed by tariffs - 10.240>
inevitably <00:18:10.799>lead <00:18:11.320>to <00:18:11.640>job tariffs - that will inevitably lead to job tariffs that will inevitably lead to job losses<00:18:12.640>
unchecked
CA
California 2025-2026 Regular Session
Assembly Floor Session May 26th, 2026
California House Floor Meeting
Transcript Highlights:
- Assembly Bill 1715 by Assembly Member Schiavo, relating to public utilities.
- Plasma donors may utilize to become a donor.
- We must utilize as many resources as possible, and this bill's goal is...
- Members, I am proud to present AB 2553, a bill relating to public utilities.
- Assembly Bill 2369 by Assembly Member Rogers, an act relating to public utilities.
Summary:
The Assembly convened, established a quorum, and proceeded through a large House of Origin floor file, with the Speaker repeatedly urging members to be at their desks and keep support bills brief. Early actions included dispensing with the journal, re-referring AB 2285 to the Banking and Finance Committee, and then taking up dozens of third-reading items, with many bills passed by voice or recorded vote and others passed temporarily or retained on file.
The floor debated and passed a wide range of measures on land use, housing, labor, public safety, health care, utilities, taxation, and consumer protection. Among the bills approved were measures on land surveyor review (AB 1933), nurse midwife access for pregnant and postpartum patients (AB 1696), historic-district transit zoning flexibility (AB 2415), EV charging infrastructure fees and timelines (AB 1820), foreclosure bidding protections (AB 1957), tribal cannabis commerce (AB 2506), outdoor advertising permitting (AB 2024), commercial building permit timelines and third-party plan checkers (AB 2418), DUI penalties (AB 1685 and AB 1687), utility rate transparency (AB 1715), CalWORKs work-penalty changes (AB 1755), dynamic electricity rates (AB 1787), interior designer licensure (AB 1796), compost labeling and contamination rules (AB 1812), modular housing standardization (AB 1815), small claims limits for businesses (AB 1827), Native American Day as a paid state holiday (AB 1841), hospital staffing and maternity access bills (AB 1868 and AB 1882), protective orders tied to release dates (AB 1889), and a series of public health, missing persons, and teacher credentialing measures later in the file.
Several high-profile bills drew extended debate. AB 2624, expanding Safe at Home privacy protections to immigrant service providers, prompted sharp disagreement over free speech and alleged limits on online posting, but supporters said it protected workers facing threats and doxing; it ultimately passed 49-19. AB 2023, creating a framework for regulating AI chatbots used by children, was framed as a child-safety measure after testimony about chatbot-related harms and suicide risks, and passed 58-8. Other notable votes included AB 2208 on Medi-Cal protections against federal cuts, AB 2299 on CalFresh/SNAP losses, AB 2115 apologizing to California Native peoples for historic state harms, and AB 2311 on public hospital physician employment; the transcript ends as the Assembly continues working through the remaining file.
CA
California 2025-2026 Regular Session
Senate Floor Session May 20th, 2026
California Senate Floor Meeting
Transcript Highlights:
- There has been a significant amount of effort in regard to data mining that information and utilizing
- , When California is struggling with rising costs of housing and groceries, utilities, insurance, and
- It is Costs for groceries, housing, and utilities.
- As the Chair of Sub 3, we've been going through exactly how those dollars are going to be utilized.
- Any objection to utilizing the unanimous roll call to this item? Seeing none, ayes 38, noes 0.
Summary:
The Senate took up a series of bills focused on consumer protection, housing, worker safety, privacy, and local fiscal authority. Measures discussed included SB 1312 on abandoned cemeteries, SB 1112 on towing fee notices, SB 877 on insurance claim transparency after wildfire losses, SB 1046 on Cal/OSHA standards for Tijuana River Valley pollution exposure, SB 1091 on anti-displacement housing preservation, SB 951 on notice and protections when AI displaces workers, SB 1030 repealing the “man in the house” rule for public assistance, SB 1218 tying vehicle registration to unpaid illegal dumping fines, SB 1013 regulating automated license plate reader data, SB 1116 making technical changes to the starter home housing law, SB 1201 protecting veterans from food assistance cuts, and SB 1164 strengthening state voting rights protections. The Senate also considered SCR 171, declaring May 20, 2026, California Nonprofits Day, and welcomed Berkeley Mayor Adina Ishii during floor introductions.
Debate was often divided along policy and fiscal lines. Supporters of the local tax authorization bill AB 1768 argued it would let voters in Los Angeles and Contra Costa counties decide whether to backfill major health and human services cuts tied to federal changes, while opponents said it would raise costs, bypass normal tax-policy review, and worsen affordability. SB 1013 drew strong support from senators who said ALPR data needs tighter safeguards, but opposition warned the bill would hamper law enforcement investigations. SB 951 on AI-related layoffs received support as a worker-protection measure, while SB 1164 drew opposition over concerns about litigation and expanded Attorney General oversight. SB 1030 was framed as a long-overdue repeal of a discriminatory welfare rule, and SB 1201 was presented as a way to shield vulnerable veterans from federal food assistance cuts.
Most measures passed on strong bipartisan votes, often unanimously. SB 1312, SB 1112, SB 877, SB 1046, SB 1091, SB 1030, SB 1218, SB 1116, SB 1201, SB 1164, and SCR 171 were adopted, and AB 1768 passed as an urgency measure after extended debate. SB 951 also passed, with some no votes. The Senate then announced committee meetings for budget subcommittees and adjourned until the next floor session.
CA
California 2025-2026 Regular Session
Senate Labor, Public Employment and Retirement Committee Apr 22nd, 2026
Labor, Public Employment and Retirement
Transcript Highlights:
- that the industry has been walloped by the administration's erratic and destructive policies, that tariffs
- on, tariffs off, that has made this last 18 months, hasn't even been 18 months, incredibly challenging
- Electrical Workers, the Western State Council of Sheet Metal Workers, the California Coalition of Utility
- It has very laudable intent to protect the environment, and it is very easy to utilize it to leverage
Summary:
The committee heard SB 921, which would create a tax credit tied to agricultural overtime wages. Senator Grove argued the measure is intended to help farmworkers recover take-home pay lost after California’s agricultural overtime law reduced hours, and said the credit would apply only after overtime is paid and would not change existing overtime rules. Supporters included farmworkers, the California Farm Bureau, Western Growers, and other agricultural groups, who said the bill would help workers get more hours and more pay while helping employers afford overtime. Labor groups opposed the bill, arguing it would subsidize employers with taxpayer money and undermine the principle that employers, not the public, should bear overtime costs. The bill was held in subcommittee until more members arrived.
The committee then took up SB 1083, a follow-up to last year’s school employee misconduct database law. The bill would add an administrative law judge review for classified school employees before they are placed in the statewide egregious misconduct database, require notice when an employee leaves during an investigation, and extend related vetting to certain contractors and non-permanent workers. Supporters, including the California School Employees Association and the California Federation of Teachers, said the measure adds needed due process and parity with certificated employees while preserving student safety. School business officials, administrators, and other education employer groups opposed it, warning that the bill could add duplicative procedures, delay investigations, and weaken the protections created by SB 848. The committee passed SB 1083 on a 3-0 vote, with the bill sent to Appropriations and placed on call.
The committee also heard SB 1089, which would require CalPERS health plans to offer GLP-1 medications and expand access through CalRx. The author described the bill as a response to personal experience with obesity treatment costs and argued that broader access could improve health outcomes and reduce long-term costs. The American Diabetes Association and other medical groups supported the bill, saying GLP-1s are effective tools for preventing and managing type 2 diabetes and that access is often limited by insurance coverage and cost. A pharmaceutical industry representative expressed concerns but said discussions were ongoing. The committee approved SB 1089 on a 4-0 vote and sent it to Appropriations.
Finally, the committee heard SB 954, which would revise last year’s CEQA exemption for advanced manufacturing by narrowing the exemption and adding environmental, labor, and community protections, including prevailing wage, skilled-and-trained workforce requirements, and review for projects near disadvantaged communities. Labor and environmental groups supported the bill, saying the prior exemption was too broad and could cover highly polluting activities without adequate review. Business and manufacturing groups opposed it, arguing the added restrictions would make the exemption ineffective and push projects and jobs out of California. Members debated the balance between environmental review, labor standards, and manufacturing competitiveness. The bill was passed on a 3-1 vote, with Senator Strickland voting no, and was sent to Appropriations.
CA
California 2025-2026 Regular Session
Senate Labor, Public Employment and Retirement Committee Apr 22nd, 2026
Labor, Public Employment and Retirement
Transcript Highlights:
- that the industry has been walloped by the administration's erratic and destructive policies, that tariffs
- on, tariffs off, that has made this last 18 months, hasn't even been 18 months, incredibly challenging
- Electrical Workers, the Western State Council of Sheet Metal Workers, the California Coalition of Utility
- It has very laudable intent to protect the environment, and it is very easy to utilize it to leverage
Summary:
The committee heard SB 921, which would create a tax credit to help agricultural employers offset overtime premium costs for farmworkers. Senator Grove and supporters, including farmworkers, the California Farm Bureau, and agricultural groups, argued the bill would restore lost hours and take-home pay after California’s agricultural overtime law reduced schedules. Opponents, including the California Federation of Labor Unions and CRLA Foundation, argued the proposal would subsidize employers with taxpayer dollars and undermine the principle that employers should pay overtime themselves. The bill was held in subcommittee until more members arrived.
The committee then took up SB 1083, a cleanup bill to the prior year’s school employee misconduct database law. The author and supporters said it would add due process protections for classified school employees, require an administrative law judge review before placement in the database, and improve notice and vetting rules for contractors and non-permanent staff. School employer groups and other opponents warned the bill could slow investigations and weaken child-safety protections. The committee approved the bill 3-0 and sent it to Senate Appropriations.
Members also considered SB 1089, which would require CalPERS health plans to cover GLP-1 medications and expand access through CalRX for chronic weight management and related health conditions. The author and supporters, including the American Diabetes Association and medical groups, said the drugs can prevent diabetes and improve health outcomes but remain unaffordable for many. Pharma representatives expressed concerns about the bill as drafted but said they were open to continued discussions. The bill passed 4-0 to Appropriations. The committee also approved the consent calendar 4-0.
Later, the committee heard SB 954, which would narrow and add guardrails to last year’s CEQA exemption for advanced manufacturing, including environmental review near disadvantaged communities and labor standards such as prevailing wage and skilled-and-trained workforce requirements. Labor, environmental, and community groups supported the bill as a cleanup of an overly broad exemption, while business and manufacturing groups opposed it, warning it would discourage investment and worsen California’s competitiveness. The bill passed 3-1 to Appropriations. Finally, SB 1299, a fire sprinkler fitter certification bill, was heard and passed 3-0 to Appropriations with support from the sprinkler fitters and building trades and no recorded opposition.
TX
Texas 89th Regular
Trade, Workforce & Economic Development Apr 15th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- Tariffs today will only increase the cost of new data center hardware, with a significant and real impact
- Industrial sites are needed to meet a growing demand, similar to the Municipal Utility District, which
- Has anybody heard of tariffs that may affect...?
- Instead, the Act governs how funds must be allocated and utilized in the construction process, ensuring
Bills:
HB2963, HB3005, HB3287, HB3288, HB3289, HB3290, HB3344, HB3712, HB3862, HB3874, HB4196, HB4308, HB4901, HB4984
Keywords:
digital equipment, repair rights, manufacturers, maintenance, consumer rights, construction contracts, payment regulations, public works, dispute resolution, audit procedures, construction, trust funds, mechanic's lien, contractor, subcontractor, residential properties, disputes, payment obligations, accountability, payment disputes
MN
Minnesota 2025-2026 Regular Session
Committee on Energy, Utilities, Environment and Climate - 02/25/26
Energy, Utilities, Environment, and Climate
Transcript Highlights:
- Minnesota Public Utilities Commission. Minnesota Public Utilities Commission.
- utilities includes um setting utility utilities includes um setting utility standards<00:05:25.600
- utility customers. utility customers.
- By the utility.
- resource into a utility gas gas utility resource into a utility gas gas utility resource plan<00:
NM
New Mexico 2025 Regular Session
IC - New Mexico Finance Authority Oversight Aug 11th, 2025
New Mexico Finance Authority Oversight Committee
Transcript Highlights:
- This is going to be a pledge from a water system, a sewer system, or any kind of a public utility type
- Chairman, so it's very similar to just net operating income for a utility primarily.
- I think we did it with the City of Farmington a few years ago when they did a utility.
- Well, following the tariff announcement for about at least a week...
- And is there any current PEC-commissioned charter school that has utilized this? Madam Chair, Mr.
CA
California 2025-2026 Regular Session
Assembly Floor Session May 26th, 2026
California House Floor Meeting
Transcript Highlights:
- Assembly Bill 1715 by Assembly Member Schiavo, relating to public utilities.
- We must utilize as many resources as possible, and this bill's goal is...
- On behalf of Assemblywoman Rodriguez, I respectfully ask for an aye vote. or utility shutoffs.
- Assembly Bill 2589 by Assembly Member Irwin and others, and act relating to public utilities.
- Assembly Bill 2369 by Assembly Member Rogers and an act relating to public utilities.
Summary:
The Assembly convened in session, established a quorum, offered a prayer and pledge, and then moved through a very large third-reading file while urging members to be at their desks for their bills. The day featured many support measures on housing, health care, public safety, local government, labor, education, and consumer protection, with repeated reminders that absent authors would have their bills skipped. Several bills were passed temporarily or retained on file, but the chamber spent most of the time taking up individual measures and voting on them.
Among the bills discussed were measures on land surveying, nurse midwifery access, historic-district transit zoning, EV charging infrastructure, foreclosure equity protections, tribal inclusion in interstate cannabis commerce, outdoor advertising permitting delays, commercial building permit timelines, DUI penalties, farmworker disadvantaged-community designation, restaurant reservation bots, open-space tax exemptions, pop-up business permits, anti-hate training for officials, sideshows and street takeovers, utility rate transparency, CalWORKs eligibility, dynamic electricity rates, interior designer licensure, compost contamination, modular housing standards, small claims limits for businesses, Native American Day as a paid state holiday, rural maternity care funding, protective orders tied to defendant release, immigrant service provider privacy under Safe at Home, mentally disordered offender evaluations, compounded weight-loss drug regulation, plasma donation center rules, missing persons DNA database updates, AI chatbot safeguards for children, an official state apology to California Native peoples, foster youth housing navigation, CTE teacher credentialing, Medi-Cal protections against federal cuts, CalFresh protections, public hospital physician employment authority, child care, and film tax credit changes for post-production work.
Testimony was generally supportive from authors, who framed the bills as cleanup, modernization, consumer protection, or targeted equity measures. A few measures drew notable opposition or debate, especially AB 2624 on Safe at Home privacy protections for immigrant service providers, where opponents argued it could chill journalism and transparency while supporters said it was needed to protect people facing doxing and threats. AB 2208 and AB 2299 were presented as responses to federal HR 1 impacts on Medi-Cal and CalFresh, and AB 2023 on AI chatbots drew emotional support centered on child safety and a reported suicide case. The chamber also heard strong advocacy for Native American recognition bills, rural health access, and housing affordability.
Most bills passed with little or no opposition, often unanimously. Recorded votes included AB 1933 (48-0), AB 1696 (49-0), AB 2415 (54-0), AB 1820 (50-0), AB 1957 (53-0), AB 2506 (60-0), AB 2024 (58-0), AB 2418 (61-0), AB 1578 (44-17), AB 1600 (46-9), AB 1661 (44-10), AB 1715 (46-7), AB 1755 (66-0), AB 1787 (43-5), AB 1796 (45-6), AB 1812 (47-1), AB 1815 (57-0), AB 1827 (59-0), AB 1841 (64-0), AB 1868 (61-0), AB 1882 (64-0), AB 1889 (69-0), AB 2624 (49-19), AB 1897 (57-1), AB 1990 (52-0), AB 2009 (65-0), AB 2018 (60-0), AB 2023 (58-8), AB 2115 (65-0), AB 2162 (60-0), AB 2206 (62-0), AB 2208 (42-17), AB 2237 (54-0), AB 2241 (62-0), AB 2246 (56-1), AB 2249 (51-0), AB 2299 (51-1), AB 2311 (65-0), and AB 2314 (68-0). The session ended with the Assembly still working through the file, including the opening of AB 2319 on film tax credits.
VT
Vermont 2025-2026 Regular Session
Senate Session - 2026-05-15 - 10:00AM
Vermont Senate Floor Meeting
Transcript Highlights:
- And you know the what we utilize.
- So utility of Vermont electric co-op.
- <01:37:37.160>
will sometimes the distribution utility will sometimes the distribution utility - Play, and the Public Utility Commission. Play, and the Public Utility Commission.
- <02:04:01.160>
managed distribution utility managed distribution utility managed virtual<02
TX
Transcript Highlights:
- The city can't efficiently utilize its resources, and so therefore, if indeed, we had an organization
- Let's see, Senate Bill 3029, far north. ...for our North Fort Worth Municipal Utility District 19 of
Bills:
HB22, SB250, SB375, SB536, SB845, SB1633, SB1944, SB1957, SB2081, SB2137, SB2262, SB2299, SB2419, SB2452, SB2522, SB2549, SB2594, SB2605, SB2631, SB2639, SB2675, SB3029, SJR60, HB22, HB1392, HB2525
Keywords:
emergency communication, broadband, funding, natural disasters, technology, HB 22, Texas broadband development office, comptroller, emergency communications, early warning systems, disaster alerts, natural disaster notifications, interoperable communications, interoperable emergency radio, public safety communications, 9-1-1, next generation 9-1-1, NG911, broadband grants, low-interest loans
TX
Transcript Highlights:
- The committee will be utilizing electronic registration this session.
- We have an annual allocation through bonds, where we can utilize mortgage revenue bonds, which is limited
Bills:
SB250, SB375, SB536, SB845, SB1633, SB1944, SB1957, SB2081, SB2137, SB2262, SB2299, SB2419, SB2452, SB2522, SB2549, SB2594, SB2605, SB2631, SB2639, SB2675, SB3029, SJR60, HB22, HB1392, HB2525, HB22
Keywords:
municipal annexation, railroad, adjacent areas, local government, property rights, healthcare provider, Harris County Hospital District, hospital funding, healthcare services, public health program, home loans, nurses, veterans, public servants, Texas Heroes program, low-interest loans, social workers, housing assistance, SB 1633, Texas Tax Code