Transcript Highlights:

• Our school district, which is the pride of our community, is struggling mightily due to the cost of property
• Windstorm Insurance Association, commercial property insurance rates for coastal properties remain underfunded
• Yeah, we've seen a rise in property insurance go up from $93,000 to $250,000. ...56% in property insurance
• Real fast, but if it's in combination with a property tax cut, maybe not. So Mr.
• Making decisions instead of your community. It was just a clarifying question.

Bills: SB2920 , SB2929 , SB2398 , SB865 , SB401 , SB2619 , SB2927 , SB1395 , SB1972 , SB2540 , SB1635 , SB1581 , SB2008

Committees: Senate Education , Senate Education K-16

Transcript Highlights:

• But also, we're trying to make it a better place for the community.
• I'm a property owner.
• We've already paid just to protect and maintain our own properties.
• We've already paid just to protect and maintain our own properties.
• We are also failing entire families and communities.

Summary: The Assembly Committee on Revenue and Taxation met under suspense-file procedures, with the chair explaining limits on testimony, position letters, and that bills with fiscal impacts of $150,000 or more would generally be sent to suspense rather than voted on immediately. Several bills were pulled from hearing, and a consent calendar of committee bills later passed 4-0. AB 761 by Addis, the only item initially slated for a vote, was ultimately held over to the next hearing. The committee heard testimony on a series of tax-related proposals. AB 232 would create catastrophe savings accounts for homeowners to save pre-tax money for wildfire, flood, or earthquake-related expenses; it drew support from the Department of Insurance and the California Bankers Association, but was sent to suspense. AB 1443 would exempt tips from state income tax for five years and was supported by the California Restaurant Association and a restaurant owner, but also went to suspense. AB 1435 would provide relief to businesses and property owners facing cleanup and security costs from unauthorized encampments and illegal dumping; it received broad support from business, real estate, trucking, retail, and local government representatives, and was referred to suspense. The committee also heard AB 1428, which would create a California Affordable Child Care Fund financed by a 0.5% tax on income above $10 million; child care workers and SEIU-backed witnesses supported it, while taxpayer and business groups opposed it as harmful to competitiveness and affordability. AB 691 proposed a tax credit for adopting shelter pets and covering veterinary costs, AB 1219 proposed a middle- and low-income personal income tax cut, AB 1354 proposed a credit for increased homeowners insurance premiums, AB 19 proposed an education savings account/voucher-style program, and AB 567 proposed insurance rate stabilization and related tax/fund changes; each drew testimony for and against where present, but all were referred to suspense. The meeting ended with the committee adjourning after the held-over AB 761 item was postponed.

Transcript Highlights:

• </c> that are present in their communities that are present in their communities and<00:03:40.280><c>
• </c> organization that helps communities organization that helps communities address<00:04:10.320><c>
• property property would<00:12:35.520><c> simply</c><00:12:35.839><c> been</c><00:12:36.000><c> purchased
• ><c> investors</c> Some properties purchased by investors Some properties purchased by investors need
• </c> that the property that the property um um um was<00:16:00.040><c> not</c><00:16:00.280><c> well<

Transcript Highlights:

• The committee substitute adds all the existing property language.
• The committee substitute adds all the existing property language.
• The committee substitute adds all the existing property language.
• </c><00:09:10.720><c> that</c> and um then are these properties that and um then are these properties
• </c> my uh judge Executives or Community my uh judge Executives or Community leaders<00:09:45.160><c>

Summary: The Senate Standing Committee on Economic Development, Tourism, and Labor met and first took up Senate Bill 76, sponsored by Senator Greg Elkins. The bill would raise the construction retainage/escrow statute threshold from $500,000 to $2 million to reflect inflation, and would also make any contract term waiving the escrow protection void and unenforceable. Elkins said the measure would not apply to government contracts and was intended to protect contractors, subcontractors, and suppliers from delayed payment. The committee voted 9-0 to pass the bill with a favorable expression and send it to the floor. The committee then considered Senate Bill 59, sponsored by Senator Jimmy Higdon, with a committee substitute adopted first. Higdon said the substitute limited the bill to existing church property and the measure would allow religious institutions to build affordable housing on their property while still requiring local governing-body approval and compliance with building codes. Supporters framed it as a housing-supply tool and a way to use nonprofits and churches to help address Kentucky’s housing shortage, while questions focused on tax impacts, local control, and whether the bill could be used for single-family homes or other developments. A public witness from Henry County opposed the bill, arguing it could enable discriminatory housing and reduce local tax revenue. After discussion, the committee voted 9-0 to pass SB 59 with a favorable expression. Finally, the committee heard Senate Bill 313 from Senator Phillip Wheeler, which would designate June as Kentucky History Month. Wheeler and Kentucky Historical Society Executive Director Scott Alvi said the bill would help promote Kentucky history statewide, especially in connection with the U.S. 250th commemoration in 2026, and would build on existing June observances such as Statehood Day and Boone Day. The committee approved the bill with favorable expression, and the chair announced it would proceed to the floor.

Transcript Highlights:

• </c> to Civic engagement and communication to Civic engagement and communication similar<00:28:42.000
• </c> separate case involving the property separate case involving the property than<00:48:42.160><c>
• , the defendant's property.
• property.
• than property.

Summary: The committee first heard CACR 6, a proposed constitutional amendment by Representative Keith Ammon to recognize a fundamental right to use computation resources. Ammon argued that computing is now essential to daily life, speech, education, and economic opportunity, and said the amendment was intended to push back against government or corporate restrictions, citing a 2023 federal executive order on AI registration and reporting as an example of the kind of precedent he wanted to oppose. He said the proposal should be simple and clear because it would go to voters, and he compared the right to compute to other constitutional rights that do not require the government to provide the underlying tools. Committee members raised concerns about the breadth of the language, including whether it could affect encryption, authentication, network security, energy use, and other regulatory issues. Representative McFarland questioned whether the amendment could interfere with security measures, while others asked whether it would prevent ordinary network management such as throttling or require the state to provide internet access or hardware. Ammon responded that the right would not entitle someone to other people’s resources and said encryption and similar issues would sort themselves out. Several members also raised concerns about child safety, public safety, and whether existing laws could still regulate misuse of computing; Ammon said reasonable limits would still apply, similar to other constitutional rights. Sarah Scott of Americans for Prosperity testified in support, saying the amendment would protect innovation, individual autonomy, and economic competitiveness by preventing overregulation. After questions concluded, the chair closed the hearing on CACR 6. The committee then opened House Bill 615, sponsored by Representative Dan Maguire, which would substantially rewrite the state’s drug-forfeiture law. Maguire said the bill is intended to improve fairness and efficiency in cases where property such as cars or cash is seized in connection with drug offenses, noting that the criminal case and the civil forfeiture case are currently handled separately, with the property case prosecuted by the Attorney General’s office. He explained that the bill addresses courtroom procedure for these forfeiture actions and is meant to make the process more specific and orderly.

Transcript Highlights:

• </c><00:10:30.399><c> we</c> families and with our communities we families and with our communities we
• </c><00:14:17.399><c> taking</c> come as a result of a property taking come as a result of a property
• among your community ...
• </c> property tax burden among your community property tax burden among your community very<00:26:26.679
• :42.920><c> property</c> general state property general state property tax<00:41:45.280><c> representative

Bills: HF656 , HF655 , HF633

Committee: House Children and Families Finance and Policy

Transcript Highlights:

• </c> uh we are the everyday in your community uh we are the everyday in your community so<00:20:48.000
• Municipal property tax those that are Municipal property tax those that are not not not registered<00
• tax because property subject to property tax because property is<01:10:57.239><c> taxed</c><01:10:57.679
• He said over the 10 years assessors go to properties, visit each property at least once every 10 years
• </c> town by the way is a smaller Community town by the way is a smaller Community but<02:02:44.679><

Committee: House Municipal and County Government

Transcript Highlights:

• property states. of property community property so so Mrs of property community property so so Mrs Jones
• </c><03:11:00.439><c> property</c> a trust with this community property a trust with this community property
• > putting</c> property community property by putting property community property by putting it<03:15:
• </c><03:37:48.239><c> it</c> community property trust I think it community property trust I think it
• my</c> community property that that's my community property that that's my reading<03:37:57.920><c>

Summary: The Judiciary Committee met for its first meeting of the new session with opening remarks, member introductions, and a discussion of committee logistics. Members described their backgrounds and priorities, including criminal justice, right-to-know and privacy issues, domestic violence, death-with-dignity legislation, abortion, firearms, landlord-tenant policy, housing, and technology/privacy concerns. The chair noted there were already 34 bills assigned to the committee and expected more, and said the committee would likely continue to have a heavy workload this session. The chair also outlined how the committee would operate: meetings would generally be on Wednesdays, with possible Mondays as needed; hearings would not require a quorum, but executive sessions would; and members were asked to provide updated phone numbers and email addresses, especially cell numbers. He explained that the committee would continue its practice of seating members in a mixed partisan arrangement to encourage communication, and that the new clerk had joined the committee. A significant portion of the meeting focused on procedures for executive sessions and meeting times. The chair said the committee would follow the traditional rule allowing executive sessions on bills heard that day if proper notice was given, but he would avoid taking up controversial matters without full attendance. Members then discussed whether meetings should start at 9, 9:30, or 10 a.m., with concerns raised about long commutes, evening obligations, and winter driving after dark. No formal vote was taken in the portion provided, but the chair indicated he would try to accommodate the committee’s preference while balancing the workload.

Transcript Highlights:

• Deemed unfit or unsafe to return to the community.
• between the sheriff's department and the community?
• Once this property is secured, a person found to be on or around the property is subject to arrest for
• It makes whoever's in control of that property.
• Thank you. ...property be boarded up, et cetera.

Committee: House Crime and Public Safety

Summary: The committee met with a quorum and first took up Senate Bill 982. Members adopted a House committee substitute that updated the bill to reflect recently enacted sex offense classifications and added language related to sexual violent predator civil commitment, including permission for the Department of Mental Health to contract with the Department of Corrections for housing. After questions about the civil commitment process and registry-related provisions, the committee adopted two House committee amendments, rolled them into the substitute, and voted the bill do pass by a vote of 14 aye, 1 no, and 1 present. The committee then approved House Bill 3414 by a vote of 12 yes, 1 no, and 3 present. Next, it considered a combined substitute for House Bills 3434, 3460, and 2628, which dealt with emergency contraception and related health care facility language. Members discussed whether the substitute should include religious objection protections and whether the facility definition was broad enough for rural clinics. After adopting an amendment clarifying that emergency contraception does not include medication approved to terminate a pregnancy, the committee adopted the substitute and voted the combined bills do pass by 11 aye, 4 no, and 1 present. In public hearing, the committee heard Senate Joint Resolution 87, which would place the election of sheriffs in the Missouri Constitution and preserve local election of sheriffs, with carve-outs for St. Louis County, St. Charles County, Jackson County, and the City of St. Louis. The sponsor and supporting witnesses argued it would protect local control and accountability, while members asked about removal procedures and the role of the Attorney General versus local prosecutors. Supporters, including the Osage County sheriff and the interim sheriff of the City of St. Louis, testified in favor; no opposition testified. The committee also heard House Bills 1868 and 3257, identical bills creating an offense for impeding, threatening, or harassing first responders after an oral warning to stay back. Sponsors said the measure was intended to protect officers, EMS, firefighters, and others from interference at scenes, and supporters from ambulance, physician, and fire service groups backed the bill, with a suggested cleanup to remove the outdated term “ambulance driver.” Finally, the committee heard House Bill 3017, which would create the offense of permitting a public nuisance on property after repeated documented complaints and allow authorities to secure or board up nuisance properties. The sponsor and Kansas City police supported it as a tool for public safety, while members raised concerns about landlord liability, due process, and whether the felony penalty and boarding costs were too burdensome; Kansas City police testified in support and no opposition was heard.

Transcript Highlights:

• </c><00:32:23.080><c> tax</c> um is the lowest you know property tax um is the lowest you know property
• </c> homestead on a prop on two properties homestead on a prop on two properties one<00:57:16.559><c>
• tax relief Hile 1680 corrects property tax relief Hile 1680 corrects the<01:13:42.560><c> property</
• </c><01:18:02.600><c> the</c> it's such Prime uh property for the it's such Prime uh property for the
• to</c><01:20:35.280><c> the</c> credit to property tax refund to the credit to property tax refund to

Committee: House Taxes

Transcript Highlights:

• Our industry is ready to pay its fair share of property taxes, and in doing so, support the communities
• Finally, California already has a strong framework for valuing complex property.
• This measure is really about protecting our communities and the hard-earned dollars that those communities
• and the individuals within those communities make.
• This bill is not simply about individual properties.

Summary: The Assembly Revenue and Taxation Committee held a final hearing on a series of Senate bills, with the chair explaining the committee’s suspense-file process and then taking up measures in regular order and later from suspense. SB 1329 on solar property tax assessment drew the most extensive testimony: the author and industry supporters said it would create statewide assessment standards, exclude intangibles, and provide certainty for solar development, while county assessors and county representatives opposed it as a statutory formula that would undercut fair market value and reduce local revenue. The bill was sent to suspense during the first portion of the hearing and later passed suspense 5-2 after amendments. SB 661, dealing with airport funding and aviation fuel tax revenues, also generated support from airport and local government representatives but opposition from airlines over the proposed distribution formula; it was referred to suspense and later passed 7-0 with amendments. SB 1172, which places guardrails on tax-sharing agreements, was supported by local governments and retailers; after the author accepted committee amendments, opposition was withdrawn and the bill passed 4-2 to the floor. SB 9-1-1, a wildfire safety measure using the Preliminary Change of Ownership Report to notify fire agencies about defensible-space compliance, was supported by fire chiefs and wildfire-safety advocates but opposed by assessors; it passed 5-2 to Appropriations. SB 1408, authorizing Contra Costa County to place a transportation sales tax on the ballot, passed 4-2 to the floor. SB 1072, the housing omnibus bill, passed 7-0, and SB 1424, expanding a sales tax exemption for zero-emission vehicle fueling equipment, was held in committee after support from hydrogen and electric transportation advocates and no opposition. In suspense-file action, the committee also passed SB 1435, SB 288, SB 296, SB 420, SB 881, SB 888, SB 1053, SB 1406, and SB 1407, while SB 353 and SB 1249 were held. The chair closed by thanking members, staff, stakeholders, and a retiring consultant, and adjourned the committee.

Transcript Highlights:

• So that is a lot of communities that deal with a lot of water.
• These are properties that are tagged for just flood.
• Can this tax money be used to buy any property other than flooded property?
• So this legislation would help begin to purchase those properties, provide some relief to those property
• So this legislation would help begin to purchase those properties, provide some relief to those property

Committee: House Conservation and Natural Resources

Transcript Highlights:

• the cops can't help you it's property the cops can't help you it's private<00:39:36.480><c> property
• agricultural property.
• We're going to move on to the next testifier on the agenda. of our community and of our community and
• , allowing trespassing upon property where there is signage like my property.
• Community activism to get past it.

Committee: House Agriculture & Food Systems

Transcript Highlights:

• Members, I don't know if you've heard from your community, but I have from my community.
• proposal could reduce the taxable value of that property.
• I'm concerned that this creates a one-way path for property.
• Do they understand the role of the state and the local community?
• As we continue to work on making sure that property tax owners in this state actually own their property

Bills: SB1627 , SB227 , SB366 , SB1193 , SB1433 , SB1450 , SB1481 , SB1749 , SB1810 , SB1812 , SB1921 , SB1948 , SB2044 , SB2178 , SB169 , SB1877 , HB1409 , SB1266 , SB1432

Summary: The Senate convened, established a quorum, offered prayer, and recognized several guests, doctors, nurses, pages, student shadows, and visitors in the gallery. Members also adopted a motion to request the House’s consent for the Senate to adjourn for more than three days, with Senator Hicks opposing the motion because of the number of bills still available for consideration. The motion passed. The chamber then considered several bills. Senate Bill 1627, a cleanup measure to eliminate duplicate criminal code sections and clarify the law for legal research, passed 45-0 and was advanced as an emergency. Senate Bill 227, dealing with gross production tax and ad valorem taxation on oil and gas means of production, drew extensive questioning and debate over possible revenue impacts, county assessors, schools, and economically at-risk wells; it passed 37-9. Senate Bill 366, which gives charter schools a first right of refusal to buy or lease public school buildings sold or leased by districts, also generated debate over local control and lack of resale guardrails, and passed 40-6 as an emergency. Later, Senate Bill 1193 to remove general fund carryover caps for school districts passed 46-0 as an emergency after supporters argued it would reduce “use it or lose it” spending and allow more local flexibility, while opponents questioned fiscal effects and accountability. Senate Bill 1433, the Guidance Transparency Act requiring agencies to publicly disclose guidance documents in a searchable database, passed 37-7 after concerns about attorney-client privilege, administrative burden, and whether guidance could function like law. Senate Bill 1450, expanding relief from fines, fees, and court costs for certain people in the criminal justice system, was advanced and passed unanimously; Senate Bill 1481, increasing minimum recess time for K-5 students from 20 to 40 minutes, was advanced as an emergency measure; Senate Bill 1810, allowing expert testimony in human trafficking cases, passed 45-0; Senate Bill 1812, requiring school districts to make benchmark testing information available to parents, passed 46-0 as an emergency; Senate Bill 1921, increasing OSBI background-check fees, passed 39-7; and Senate Bill 1948, updating fireworks laws and limiting county restrictions on private outdoor consumer fireworks displays, was taken up with significant safety and local-control questioning.

Transcript Highlights:

• Residential property or commercial property for tangible personal property a rendition will have to be
• property value study cycle.
• versus multifamily commercial real property and also commercial personal property.
• So in the end, property owners. saw just over $400 million of property tax reduction.
• property tax has to be paid.

Committee: House Ways & Means

Transcript Highlights:

• So we're moving it to say personal property tax or property tax. Thank you.
• Tax incentives or abatements must decrease the levy for real property tax or for real property owners
• If commercial property rises greater than 15%, a physical inspection of that property must be taken.
• property is not.
• They have to do a physical inspection on that property.

Summary: The House convened with prayer, the Pledge of Allegiance, and approval of the House Journal by roll call vote, 120-0. Members then used personal privilege and guest introductions to recognize several groups and visitors, including Alpha Phi Alpha members, students from multiple schools and programs, dental hygienists, public administrators, credit union representatives, National History Day participants, and others. One member also spoke emotionally about a relative killed in a domestic violence incident and requested a moment of silence in her honor. The main floor action centered on House Committee Substitute for House Bills 2780 and 2668, a large property tax reform package. The sponsor described it as the product of extensive statewide hearings and public testimony, aimed at stabilizing Missouri’s property tax system. The bill and amendments would, among other things, require clearer ballot language for tax measures, move tax-related ballot questions to November general elections, eliminate “no tax increase” wording, standardize ballot wording, address assessment and valuation rules, require physical inspections for certain commercial property assessment increases, allow quarterly tax payments in more counties, and make other technical changes. Members debated the size and scope of the bill, local control concerns, voter turnout and “voter fatigue,” and whether the changes were sufficiently vetted. Amendments were adopted to narrow the title to property taxation, add the ballot-language provisions, remove duplicative language, and exempt township counties so their levy elections could still occur on the schedule they need. The House then adopted the substitute as amended and ordered it perfected and printed. The chamber also took up House Bill 1917, a targeted utility/economic development bill involving a Jefferson County water district. The sponsor said the bill was prompted by a dispute in which a water district sought payment or infrastructure contributions from a company planning a roughly $400 million investment and about 250 jobs, despite the district’s inability to serve the site. Supporters said the bill would allow detachment of a ratepayer under specified conditions and prevent water districts from blocking development; the committee vote had been 15-0. Members raised concerns about the bill’s narrow, district-specific scope and possible litigation, but the House ultimately ordered the bill perfected and printed. The House also read three new bills for first reading and later recessed after announcements about committee meetings and a property tax discussion event with FFA students.

Transcript Highlights:

• the community that has only $100,000 of property per person, if you see what I mean.
• So if I can follow up on that, your goal is to lower property tax, the local property tax rate for communities
• tax issue is these we have a property tax issue is these communities<01:41:04.679><c> that</c><01:41
• But other communities, by addressing the housing crisis regionally, by state, it will lower property
• </c><01:51:40.239><c> taxes</c> property taxes uh home property taxes property taxes uh home property

Summary: The committee first took up House Bill 187, which would allow parents or guardians to seek restraining orders on behalf of a minor child even when the alleged perpetrator is not a family or household member. Tracy Sirles testified that the bill was prompted by her family’s experience after being told by state police to seek a restraining order, only to learn the current law did not allow it because the offender was the child’s best friend’s father. Members agreed the change was straightforward, noted the fiscal note reflected only a small indeterminate cost to the judicial branch, and moved House Bill 187 ought to pass; the motion was approved unanimously. The committee then discussed House Bill 66, a Right-to-Know bill that removes “citizen” language in favor of “person” in some provisions and allows certain New Hampshire-connected requesters to seek records electronically if the records already exist in that format. Members reviewed concerns about defining “member of the media,” the scope of electronic requests, and a sentence stating appeals would have no filing fee or search charge. After debate, the committee voted to amend the bill by removing that fee-waiver sentence, then recommended House Bill 66 ought to pass as amended. The vote was 6-3. Next, the committee heard from the Environment and Agriculture chair about several solid-waste-related bills being folded into trailer bill language, including House Bill 215 and House Bill 171, with discussion of a possible three-year landfill moratorium and the need to address DEES staffing and funding concerns. DEES later clarified that the revised approach would not require new positions or create a fiscal impact because the new solid waste commission would be self-funded through filing fees. The committee voted unanimously to retain House Bill 215. Finally, the committee considered House Bill 566, which requires landfill permit applications to include a detailed leachate management plan and more information about disposal contracts. The sponsor said the bill was developed with DEES to address leachate problems and improve safety oversight. DEES testified that the bill largely reflects current practice and would have no specific fiscal impact, with existing staff able to absorb any review workload. The committee moved House Bill 566 ought to pass, and the motion was approved unanimously. The committee also briefly discussed House Bill 624, a grant program for local river management advisory committees, but no vote was taken in the portion provided.

Transcript Highlights:

• This is the total tax exemption of tangible personal property tax for the ag community.
• Tax exemption of tangible personal property tax for the ag community.
• Taxed on the value of that property that year.
• Our communities and others we don't even know.
• And then we have a communication services tax.

Summary: The Ways and Means Committee met on March 20, 2025, and first approved HB 4025, creating the Duke Farm Stewardship District in Lee County, on a 17-0 vote. The committee then advanced HJR 1215, which proposes a constitutional amendment to exempt agricultural tangible personal property from property tax, after extended debate about the fiscal impact on counties, especially rural and fiscally constrained ones; it passed 16-1. HB 411 also passed unanimously after an amendment, extending affordable housing tax exemption treatment to certain nonprofit projects on leased land, including Habitat for Humanity projects. The committee likewise approved CS/HB 669, allowing local governments to purchase certain unrated bonds, and CS/HB 4017, codifying the Vermont Drainage District charter in Charlotte County, both without opposition. The committee also approved HJR 1039, which would let the Legislature prevent assessed-value increases for homestead properties that are improved to mitigate flood damage, and the related implementing bill HB 1041; both passed 17-0. Public testimony on these items included some opposition to the flood-related amendment, but no floor debate changed the outcome. The final major item was CS/HB 1221 by Rep. Miller, which would require local option taxes to be renewed by voter referendum every eight years, with longer terms allowed for bonded projects. That bill drew the most extensive testimony and debate, with counties, tourism groups, and local officials warning about impacts on tourism funding, infrastructure, schools, and public safety, while supporters argued for taxpayer accountability and periodic review. After debate, the committee reported the bill favorably on a 13-4 vote.

Transcript Highlights:

• That means that folks whose properties get appraised at a higher level will still be eligible for property
• property taxes and earning less than $50,000.
• So a greater denominator of properties will help.
• in property value.
• budget and the property...

Transcript Highlights:

• </c> requires ures that renewed property requires ures that renewed property insurance<00:10:39.440><
• </c> associations planned Community associations planned Community associations<00:10:48.079><c> or</
• I personally have property in a townhome community that is getting nonrenewed by a local carrier, so
• I personally have property in a townhome community that is getting nonrenewed by a local carrier, so
• </c> lot of times you know for each property lot of times you know for each property if<00:19:44.679>

Summary: The committee opened by outlining hearing procedures, including a two-minute limit for live testimony, a request not to repeat written testimony, and a reminder about decorum. The first bill heard was SB 697, which would create a nonrefundable individual income tax credit for expenses to retrofit residences with wind-resistive devices. The Insurance Division said it supported the concept but noted it may need an appropriation or outside expertise to develop certification standards, while the Department of Taxation said the bill should retain a third-party certification requirement if the Insurance Division cannot administer the credit. The Hawaii Insurers Council supported the bill, and the Tax Foundation suggested a subsidy-style program would be more efficient than a tax credit and criticized the bill’s 100% credit structure. A testifier in support argued the measure would help homeowners fortify houses against hurricanes and reduce shelter demand; written testimony from several others, including HIEMA, was noted as supportive. The committee then moved through SB 76, which would require the Hawaii Property Insurance Association to provide commercial property coverage after two private-market denials, and SB 83, which would require insurers to give advance written premium-change notices and explanations to common-interest community policyholders and the insurance commissioner, along with a report on premium increases. For SB 76, the State Insurance Division stood on its written comments, and testimony in support came from Michael Honda, the National Association of Mutual Insurance Companies, and Jessica Herzog. SB 83 drew more extensive discussion: the Insurance Division supported the need for better transparency, while the Hawaii Insurers Council opposed the bill, arguing that agents—not insurers—typically communicate with AOAO boards and that the measure could worsen an already difficult market. Insurance Division staff acknowledged widespread complaints from condo associations about lack of transparency and said the division had received many calls about premium increases and nonrenewals. The discussion on SB 83 expanded into broader concerns about condo insurance, nonrenewals, surplus lines, and the difficulty of getting timely explanations for large premium increases. Committee members and testifiers described older buildings struggling to fund repairs and upgrades while facing steep insurance costs, and some urged the committee to craft baseline statutory protections for unit owners. The Insurance Division said surplus lines serve a critical gap-filling role and warned against regulating that market in a way that could slow access to coverage. No votes or final committee actions were taken in the portion of the meeting provided.