Video & Transcript Research : 'deductions'

Page 55 of 92
NM

New Mexico 2026 Regular Session

Senate - Judiciary Jan 28th, 2026 at 02:58 pm

Senate Judiciary

Transcript Highlights:
  • Our meritorious deductions report... Our meritorious deductions report.
Bills: SB100
AZ

Arizona 2026 Regular Session

01/20/2026 - Senate Appropriations, Transportation and Technology

Appropriations, Transportation and Technology

Transcript Highlights:
  • It also could relate to certain deductions that are in the SNAP formula, because in terms...
  • It also could relate to certain deductions that are in the SNAP formula because in terms of determining
Summary: The committee began with a JLBC presentation comparing the baseline budget to the governor’s proposal. JLBC said the baseline shows a positive cash balance in each year, with about $577–$578 million available above statutory formulas, but that major items such as tax conformity, state employee health subsidies, school repairs, SNAP administrative changes, and possible SNAP error-rate costs are not fully funded. JLBC also reviewed executive revenue and spending proposals, including border-security funding, sports betting tax changes, data-center tax changes, short-term rental and water surcharges, and several one-time items that JLBC said appear to be ongoing in practice. Members questioned SNAP error rates, Medicaid/Access enrollment and costs, possible fraud involving Access-to-Marketplace shifting, prison receivership risk, and the need for more oversight of waste and fraud. The committee then heard and passed SB 1032, which appropriates $1.5 million to fund the Independent Correctional Oversight Office created last year. The sponsor and several advocates said the office is needed to provide independent oversight, improve transparency, help whistleblowers, and reduce the risk of federal receivership over the prison system. Testimony from advocacy groups and former incarcerated individuals strongly supported the bill, and the committee approved it 10-0. Next, the committee considered several transportation appropriations. SB 1064 would provide $3 million to Flagstaff for improvements along U.S. Route 66; the mayor and local planning officials described safety problems, congestion, and housing growth along the corridor, while some members objected to using general fund dollars for roads instead of HURF and to bypassing the normal transportation board process. The bill passed 7-3. SB 1059 would appropriate $9.2 million for a right-turn lane at SR 87 and SR 260 in Payson, and SB 1062 would appropriate $1 million for a left-turn lane at US 60 and Superstition Mountain Drive in Gold Canyon; both were supported by local witnesses citing congestion and safety concerns and both received do-pass recommendations, 7-3 and 6-4 respectively. The committee also began hearing SCR 1004, a voter-referral measure to prohibit photo enforcement systems, with the sponsor and public commenters arguing that photo radar is unconstitutional, abusive, and tied to ticket revenue, but the transcript cuts off before any committee action on that measure.
FL

Florida 2025 Regular Session

Rules Apr 8th, 2025

Transcript Highlights:
  • their code, if that was one of one parking spot per unit within their code, and we require to 20% deduction
  • amendment removed the language Neda fees, which means the current bill proposes to allow banks to deduct
Keywords: 999, senate, all
TX

Texas 89th Regular

Senate Session Mar 25th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • Senate Bill 2331 by Parker, relating to payroll deductions for certain state and local government employee
  • Senate Bill 2331 by Parker, relating to payroll deductions for certain state and local government employee
Bills: SCR8, SCR25, SB1, SB14, SB24, SB213, SB251, SB315, SB371, SB378, SB379, SB406, SB413, SB472, SB487, SB502, SB502, SB509, SB513, SB513, SB565, SB565, SB583, SB608, SB621, SB650, SB686, SB686, SB707, SB710, SB710, SB761, SB761, SB810, SB815, SB840, SB856, SB875, SB875, SB896, SB896, SB916, SB925, SB958, SB958, SB961, SB965, SB965, SB973, SB973, SB987, SB990, SB995, SB1018, SB1019, SB1146, SB1146, SB1198, SB1252, SB1252, SB1253, SB1253, SB1330, SB1343, SB1362, SB1499, SB1499, SB1532, SB1532, SB1547, SB1547, SB1555, SB1596, SB1596, SJR36, SJR12, SJR57, SCR25, SCR22, SCR12, SCR8, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB14, SB1006, SB504, SB925, SB995, SB857, SB305, SB296, SB284, SB815, SB1379, SB1497, SB1499, SB1498, SB241, SB304, SB621, SB1023, SB1024, SB686, SB112, SB371, SB204, SB609, SB670, SB502, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB447, SB875, SB406, SB985, SB965, SB1119, SB1505, SB24, SB1194, SB1253, SB1215, SB1532, SB1302, SB856, SB650, SB583, SB673, SB213, SB681, SB1172, SB1252, SB378, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB896, SB1352, SB973, SB785, SB710, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB1547, SB961, SB1038, SB513, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB1198, SB1146, SB763, SB667, SB1059, SB617, SB1567, SB503, SB1, SB1555, SR233, SR307, SR310, SR318, SR319, SCR25, SJR72, SJR73, SJR75, SJR77, SJR79, SJR80, SJR81, SJR82, SB2198, SB2201, SB2202, SB2203, SB2204, SB2205, SB2206, SB2207, SB2208, SB2209, SB2210, SB2211, SB2213, SB2214, SB2215, SB2216, SB2217, SB2218, SB2219, SB2220, SB2221, SB2222, SB2223, SB2224, SB2225, SB2226, SB2227, SB2228, SB2229, SB2231, SB2232, SB2233, SB2234, SB2235, SB2236, SB2237, SB2238, SB2239, SB2240, SB2241, SB2242, SB2243, SB2244, SB2245, SB2246, SB2247, SB2248, SB2249, SB2250, SB2251, SB2252, SB2253, SB2254, SB2255, SB2256, SB2257, SB2258, SB2259, SB2260, SB2261, SB2262, SB2263, SB2264, SB2265, SB2266, SB2267, SB2268, SB2269, SB2270, SB2271, SB2272, SB2273, SB2274, SB2275, SB2276, SB2277, SB2278, SB2279, SB2280, SB2281, SB2282, SB2283, SB2284, SB2285, SB2286, SB2287, SB2288, SB2289, SB2290, SB2291, SB2292, SB2293, SB2294, SB2295, SB2296, SB2297, SB2298, SB2299, SB2300, SB2301, SB2302, SB2303, SB2304, SB2305, SB2306, SB2307, SB2308, SB2309, SB2310, SB2311, SB2313, SB2314, SB2315, SB2316, SB2317, SB2318, SB2319, SB2320, SB2321, SB2322, SB2323, SB2324, SB2325, SB2326, SB2327, SB2328, SB2329, SB2330, SB2331, SB2333, SB2334, SB2335, SB2336, SB2337, SB2338, SB2339, SB2340, SB2341, SB2342, SB2343, SB2344, SB2346, SB2347, SB2348, SB2349, SB2350, SB2351, SB2352, SB2353, SB2354, SB2355, SB2356, SB2357, SB2358, SB2359, SB2360, SB2361, SB2362, SB2363, SB2364, SB2365, SB2366, SB2367, SB2368, SB2369, SB2370, SB2371, SB2372, SB2373, SB2374, SB2375, SB2376, SB2377, SB2378, SB2379, SB2380, SB2381, SB2382, SB2383, SB2384, SB2385, SB2386, SB2387, SB2388, SB2389, SB2390, SB2391, SB2393, SB2394, SB2395, SB2396, SB2397, SB2398, SB2399, SB2400, SB2401, SB2402, SB2403, SB2404, SB2405, SB2406, SB2410, SB2411, SB2412, SB2413, SB2414, SB2415, SB2416, SB2417, SB2418, SB2419, SB2420, SB2421, SB2422, SB2423, SB2424, SB2426, SB2427, SB2428, SB2429, SB2430, SB2431, SB2432, SB2433, SB2434, SB2435, SB2436, SB2437, SB2438, SB2439, SB2440, SB2441, SB2442, SB2443, SB2444, SB2445, SB2446, SB2447, SB2448, SB2449, SB2450, SB2451, SB2452, SB2453, SB2454, SB2455, SB2456, SB2457, SB2458, SB2459, SB2460, SJR72, SJR73, SJR75, SJR77, SJR79, SJR80, SJR81, SJR82, SB2198, SB2201, SB2202, SB2203, SB2204, SB2205, SB2206, SB2207, SB2208, SB2209, SB2210, SB2211, SB2213, SB2214, SB2215, SB2216, SB2217, SB2218, SB2219, SB2220, SB2221, SB2222, SB2223, SB2224, SB2225, SB2226, SB2227, SB2228, SB2229, SB2231, SB2232, SB2233, SB2234, SB2235, SB2236, SB2237, SB2238, SB2239, SB2240, SB2241, SB2242, SB2243, SB2244, SB2245, SB2246, SB2247, SB2248, SB2249, SB2250, SB2251, SB2252, SB2253, SB2254, SB2255, SB2256, SB2257, SB2258, SB2259, SB2260, SB2261, SB2262, SB2263, SB2264, SB2265, SB2266, SB2267, SB2268, SB2269, SB2270, SB2271, SB2272, SB2273, SB2274, SB2275, SB2276, SB2277, SB2278, SB2279, SB2280, SB2281, SB2282, SB2283, SB2284, SB2285, SB2286, SB2287, SB2288, SB2289, SB2290, SB2291, SB2292, SB2293, SB2294, SB2295, SB2296, SB2297, SB2298, SB2299, SB2300, SB2301, SB2302, SB2303, SB2304, SB2305, SB2306, SB2307, SB2308, SB2309, SB2310, SB2311, SB2313, SB2314, SB2315, SB2316, SB2317, SB2318, SB2319, SB2320, SB2321, SB2322, SB2323, SB2324, SB2325, SB2326, SB2327, SB2328, SB2329, SB2330, SB2331, SB2333, SB2334, SB2335, SB2336, SB2337, SB2338, SB2339, SB2340, SB2341, SB2342, SB2343, SB2344, SB2346, SB2347, SB2348, SB2349, SB2350, SB2351, SB2352, SB2353, SB2354, SB2355, SB2356, SB2357, SB2358, SB2359, SB2360, SB2361, SB2362, SB2363, SB2364, SB2365, SB2366, SB2367, SB2368, SB2369, SB2370, SB2371, SB2372, SB2373, SB2374, SB2375, SB2376, SB2377, SB2378, SB2379, SB2380, SB2381, SB2382, SB2383, SB2384, SB2385, SB2386, SB2387, SB2388, SB2389, SB2390, SB2391, SB2393, SB2394, SB2395, SB2396, SB2397, SB2398, SB2399, SB2400, SB2401, SB2402, SB2403, SB2404, SB2405, SB2406, SB2410, SB2411, SB2412, SB2413, SB2414, SB2415, SB2416, SB2417, SB2418, SB2419, SB2420, SB2421, SB2422, SB2423, SB2424, SB2426, SB2427, SB2428, SB2429, SB2430, SB2431, SB2432, SB2433, SB2434, SB2435, SB2436, SB2437, SB2438, SB2439, SB2440, SB2441, SB2442, SB2443, SB2444, SB2445, SB2446, SB2447, SB2448, SB2449, SB2450, SB2451, SB2452, SB2453, SB2454, SB2455, SB2456, SB2457, SB2458, SB2459, SB2460
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Monday, July 14, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • protected from the death tax. 38,110 small businesses in PA15 are safeguarded by the 20% small business deduction
  • allowing reinvestment in our local communities. 96% of PA15 taxpayers are benefiting from the standard deduction
  • It even includes a made-in-America car loan interest deduction and a major domestic energy expansion
  • 00:09:06.160> interest made in America car loan interest made in America car loan interest deduction
  • and a major domestic energy deduction and a major domestic energy expansion<00:09:09.360> to<
MN

Minnesota 2025 1st Special Session

Committee on Judiciary and Public Safety - Part 2 - 03/27/25

Judiciary and Public Safety

Transcript Highlights:
  • The only cost to the employer is the cost of withholding and remitting payroll deductions, just like
  • employer is the cost of withholding and remitting<00:02:18.680> payroll<00:02:19.160> deductions
  • <00:02:20.040> just<00:02:20.239> like remitting payroll deductions just like remitting
  • payroll deductions just like they<00:02:20.599> do<00:02:21.000> with<00:02:21.200>
  • to The Record Keeper remit deductions to The Record Keeper after<00:09:09.680> that<00:09:09.880
Keywords: 1187, senate, all
NH

New Hampshire 2026 Regular Session

Senate Health and Human Services (01/21/2026)

Health and Human Services

Transcript Highlights:
  • Your real cost depends on your deductible and what co-pays are right now.
  • Um, but the issue is the individualization based on a given member's deductible that often changes out-of-pocket
  • Healthcare has a cost estimator tool on their website that takes into account our members' cost sharing, deductibles
  • Healthcare has a cost estimator tool on their website that takes into account our members' cost sharing, deductibles
Keywords: 1191, senate, all
LA
Transcript Highlights:
  • Where it is provided, it's often functionally inaccessible because the premiums and the deductibles are
Keywords: 965, house, all
Summary: The Louisiana Public Defender Oversight Board met on June 18, 2026, with a quorum present and adopted the agenda. Public comment was dominated by district defenders and other public defense leaders praising State Public Defender Remy Starns for improving communication, collaboration, and overall system performance. Speakers from multiple districts said the system is more unified, better supported, and more stable than in prior years, and several credited Starns with helping resolve long-standing tensions and improve coordination across capital, district, and appellate work. One speaker also paid tribute to the late Mike Ginnard, describing him as instrumental to earlier public defense reforms. In his report, Starns said the system has improved over the last seven years but still needs a sustainable funding source. He discussed legislative changes affecting public defense, including a cleanup bill, elimination of filing fees for writs and appeals, and a new procedure related to expert-fee requests in light of recent court rulings. He also described ongoing efforts to integrate capital and appellate work into district offices, expand the laws/writs program, and continue post-conviction work under new statutory rules. Starns emphasized recruitment and retention, including the need for affordable health insurance and retirement benefits, and again honored Mike Ginnard for his leadership and service. The board then adopted proposed bylaws, after some discussion about special committees and public meeting requirements. Members agreed to create a committee to review and refine the bylaws later, and they also elected a vice chairman and designated the Office of the Public Defender, with staff support, as secretary for recordkeeping. Finally, the board heard a presentation on the strategic plan, which was described as largely an update to the prior version with terminology changes, new accessibility-related goals, and added performance measures for training, compliance, and communications. The strategic plan was adopted by resolution, and the meeting adjourned.
LA
Transcript Highlights:
  • Where it is provided, it's often functionally inaccessible because the premiums and the deductibles are
Summary: The Louisiana Public Defender Oversight Board met on June 18, 2026, established a quorum, and adopted the agenda. Public comment took up most of the meeting, with numerous district defenders and chief defenders speaking in support of State Public Defender Remy Starns. Speakers from several districts said the system is more unified, communication with the state office has improved, and local offices feel better supported than in the past. Several also credited Starns with visiting districts, helping with local issues, and improving coordination on capital and non-capital work. One speaker, Richard Thompson, emphasized Starns’ background and training under Sam Dalton, and another noted that a recent staffing decision in St. John the Baptist Parish ultimately proved beneficial for mentorship and resource sharing. Starns then gave his state public defender report. He said the system has improved over the last seven years and argued that public defense still needs a stable, renewable funding source comparable to other parts of the criminal justice system. He discussed legislative changes affecting public defense, including a cleanup bill, a law eliminating filing fees for writs and appeals, and a new procedure related to expert-fee claims after a recent Louisiana Supreme Court decision. He also described ongoing efforts to integrate capital and post-conviction work into district offices, expand the laws/writs program, and use local and state resources more efficiently. He thanked the board, the Public Defenders Association, and the late Mike Ginnart, whom he praised for his leadership and service. The board then considered and adopted proposed bylaws. Members discussed the need for a vice chair and a secretary, the role of special committees, and whether committee meetings should be public and limited to less than a quorum. The bylaws were adopted with the understanding that a committee would review and refine them later; volunteers were named for that committee. The board then elected a vice chair and designated the Office of the Public Defender, with staff assistance, as secretary for recordkeeping. Finally, the board heard a presentation on the strategic plan, which was described as largely unchanged from FY25 except for updates to reflect current law, accessibility requirements, training, compliance, and communication goals. The strategic plan was adopted by resolution, and the meeting adjourned.
AZ

Arizona 2026 Regular Session

03/09/2026 - Senate Finance

Finance

Transcript Highlights:
  • the general large-group versus small-group plans: in 2025, employees at small firms faced average deductibles
Summary: The Senate Finance Committee met to consider several bills and two Arizona State Retirement System nominees. It first passed House Bill 2173, which allows taxpayers and tax officers to communicate electronically about proposed property tax corrections or claims, with an acknowledgement required when responses are sent electronically. The committee then recommended confirmation of Thomas J. Connolly and Charles Essex to the ASRS Board, both receiving unanimous or near-unanimous support after brief introductions and no substantive opposition. The committee next approved several ASRS-related bills: House Bill 2089 clarifies that the ASRS health insurance premium subsidy applies only when coverage is not already subsidized; House Bill 2090 changes the disability definition tied to long-term disability benefits by removing the requirement that the 24 months occur within a five-year period; and House Bill 2092 shifts the 30-day waiver window for certain members age 65 or older from the date of hire to the date they become eligible to participate. All three passed on largely party-line or near-unanimous votes. The committee also passed House Bill 2120, with a technical amendment, allowing Social Security Administration disability determination letters to be used to certify eligibility for the property tax exemption for persons with disabilities. House Bill 2693 drew the most debate. It revises Arizona’s bona fide association health plan and multiple employer welfare arrangement provisions to align with ERISA rather than the rescinded 2018 federal AHP rule, and an amendment added a feasibility study by the Arizona Department of Administration on state employee and school district health plans. Supporters argued the bill would expand affordable, voluntary coverage options for small businesses and increase buying power; opponents raised concerns about consumer protections, preexisting conditions, and the history of association health plans. The committee ultimately passed the bill as amended on a 5-1 vote. Later, the committee passed House Bill 2138, which clarifies that workers’ compensation coverage for firefighters traveling directly to or from work applies to state, municipal, fire district, and fire authority firefighters. It also passed House Bill 2273, a one-time $300 income tax rebate for certain Pinal County residents funded from remaining escrowed transportation-related monies; members discussed whether the remaining funds should instead be directed to roads, but the bill advanced on a 3-2 vote. Finally, House Bill 2786 passed unanimously, exempting rental income from required college textbooks from transaction privilege tax under the personal property rental classification.
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Jan 26th, 2026 at 11:12 am

New Mexico House Floor Meeting

Transcript Highlights:
  • opportunity to purchase, providing for enforcement, and increasing the amount of capital gains income tax deduction
Keywords: 996, all
NM

New Mexico 2025 Regular Session

Senate - Finance Nov 10th, 2025

Senate Finance

Transcript Highlights:
  • So, for example, utility costs or shelter deductions are the kinds of things that, without the interview
NM
Transcript Highlights:
  • Uh, with changes to deductibles, co-pays, and co-insurance rates, NMSA has also made substantial changes
MN

Minnesota 2025-2026 Regular Session

Committee on Labor - 05/09/25

Labor

Transcript Highlights:
  • It places limits on the deductible of the policy to no less than $50,000 and no more than $1 million.
Keywords: 1187, senate, all
CA

California 2025-2026 Regular Session

Assembly Appropriations Committee May 7th, 2025

Transcript Highlights:
  • job-based coverage are facing higher out-of-pocket costs, with a share of workers with a large deductible
Summary: The Assembly Appropriations Committee met on May 7, 2025, considering a large number of bills, with several measures heard in detail before the committee moved through consent and suspense items. Early in the hearing, AB 876 by Assemblymember Flora was heard on CRNA scope of practice and anesthesia access. Supporters said it would clarify that certified registered nurse anesthetists may provide anesthesia services independently, while opponents from physician and medical groups argued that anesthesiologists and CRNAs are not interchangeable and that physician-led care is needed for patient safety. The bill was ultimately voted out, with a later vote change recorded for Mr. Tangipa from not voting to aye. The committee also heard AB 379, a major human trafficking and child exploitation bill, which would expand penalties for solicitation of a minor, create a misdemeanor for loitering with intent to purchase commercial sex, increase fines on businesses that fail to post trafficking notices or knowingly allow trafficking, create a survivor support grant program, and establish a vertical prosecution grant program. The bill drew strong support from the author and some members who emphasized tougher enforcement and victim services, but also significant opposition from sex worker and civil liberties advocates who argued the bill would worsen criminalization, disproportionately harm Black and Brown communities, and fail to address housing and other root causes. After extensive discussion, the committee voted the bill out, with one member later changing from not voting to aye. Other bills heard included AB 435 on child passenger safety, which would adopt a five-step test and update booster-seat and front-seat rules; AB 1415, which would give the Office of Health Care Affordability more access to information from health systems and private equity-related entities; AB 539, the Timely Care Act, which would extend the duration of approved prior authorizations for treatment; AB 1466, relating to groundwater adjudication and sustainability disputes; AB 127, which would tie the cap-and-trade price ceiling to the social cost of carbon; and AB 672, which would require public employers to notify PERB of certain court actions and allow intervention to protect labor rights. The committee also approved a large consent calendar and then deemed the suspense calendar approved, sending many bills onward. The hearing concluded with several bills reported out, some on call, and the committee adjourned.
FL

Florida 2025 Regular Session

March 19, 2025 - 10:30 AM

Transcript Highlights:
  • notified when referred to out-of-network providers and that certain insurer payments count toward deductibles
Summary: The Health Care Facilities and System Subcommittee met with a quorum and considered five bills. HB 1101 on out-of-network providers drew the most discussion; Rep. Albert said it would require written notice when a patient is referred to an out-of-network provider and would count certain insurer payments toward deductibles. Several members and the Florida College of Emergency Physicians raised concerns about placing the burden on doctors’ offices, possible delays in referrals, and unclear enforcement, but the bill was reported favorably 16-2. Public testimony included support from AARP and concerns from emergency physicians about ER workflow and insurance-network transparency. The committee then unanimously approved PCS for HB 475, reducing fines for ambulatory surgery centers that violate good-faith estimate requirements from $1,000 to $250 per day, with a lower maximum penalty. The bill sponsor said the change was intended to right-size penalties for smaller facilities; witnesses from surgery centers and HCA supported it. HB 797, which would allow a nonprofit retirement community serving veterans and spouses to create veteran-and-spouse nursing home beds and transfer a certificate of need within 100 miles, also passed unanimously after members discussed whether it could affect access for veterans; the sponsor said it would create additional private beds rather than displace existing ones. HB 1085 on the Children’s Medical Services Program was amended and reported favorably 14-3. The bill would move managed care plan operations for medically fragile children from the Department of Health to AHCA, keep clinical eligibility at DOH, and shift PPEC services fully into managed care. The adopted amendment changed the waiver provision to require AHCA to develop and present a comprehensive redesign plan for the Medicaid model waiver for children receiving private duty nursing. Several members supported the goal but raised concerns about eliminating family choice and the impact on medically fragile children. Finally, HB 1353 on home health care services passed unanimously. The bill would remove geographic limits on home health administrators, allow more licensed RNs including contract RNs to perform visits, and revise the home health excellence award program. Supporters said it would address workforce shortages and improve access, while one member warned it could increase costs and competition for nurses. The committee adjourned after reporting all five bills favorably.
FL

Florida 2025 Regular Session

March 5, 2025 - 01:30 PM

Transcript Highlights:
  • And those premiums could be several thousand dollars per family, not counting deductibles and co-pays
Summary: The committee met with a quorum present and heard several insurance- and financial-services-related bills. HB 315 was temporarily postponed. The chair also noted that, following the speaker’s remarks, members should expect additional special meetings as the committee investigates insurance-related issues and seeks transparency and the truth. HB 497, relating to nonprofit agricultural organization health coverage, was presented as a way to give Florida Farm Bureau members—especially farmers, ranchers, and small business owners—more affordable health coverage options. An amendment added statutory placement changes, disclosures that the product is not commercially sold, and annual financial audits. Members discussed ACA-related protections, fraud, and insolvency concerns, and the bill received support from Florida Farm Bureau and was reported favorably 16-0. HB 379, the annual securities package, updated exemptions, foreign jurisdiction rules, the Florida Invest Local Exemption, merger-and-acquisition broker rules, fingerprinting requirements, and technical issues in the Securities Guarantee Fund. Three amendments clarified entity definitions and fingerprint/live-scan requirements; the bill drew support from industry and OFR and passed favorably 17-0. The PCS for HB 147 on consumer debt collection clarified prohibited communications during nighttime hours, with the sponsor and supporters explaining the intent was to allow email while restricting other forms of contact and reduce litigation over passive communications. Members and public witnesses discussed ambiguity in the wording, and the sponsor said further cleanup language may still be needed; the PCS was reported favorably 17-0. HB 655 on pet insurance and wellness programs created a regulatory framework for pet insurance, drew support from industry and humane society representatives, and passed favorably 17-0. HB 367 on home and service warranty association financial requirements allowed financial compliance through multiple contractual liability insurance policies and alternative parent-company documentation; an amendment corrected cross-references and duplicative language, and after questions about consumer protections and insolvency, the bill was reported favorably 17-0. Finally, HB 7003 preserved a public-records exemption for sensitive financial technology sandbox application materials; members discussed the sandbox concept and possible future issues, but no amendments were taken and the bill passed favorably 17-0. The meeting adjourned without objection.