Transcript Highlights:

• Representative Miyake, reservations. Representative Miyake, reservations.
• Any with reservations? Chair, your recommendation is adopted. Thank you.
• <00:45:57.240> CH<00:45:57.520> your no any with reservations CH your no any with reservations
• Any with reservations? Chair, your recommendation is adopted. Thank you, members.
• reservations reservations moroka<01:02:31.440> okay<01:02:31.720> chair<01:02:32.000><

Keywords: 910, house, all

Summary: The House Committee on Transportation met on March 18, 2025, to hear several measures and later take up amendments and votes. Early items included a budget measure to increase the mass transit special fund expenditure ceiling, a bill extending lapse dates for drug and alcohol toxicology testing laboratory funds, and a measure creating buffer zones for parking near crosswalks and intersections. Testimony on the crosswalk-parking bill was broadly supportive from transportation, law enforcement, planning, bicycling, public health, and advocacy groups, with the Department of Health emphasizing visibility and roadway safety. The committee also heard a bill establishing the Mokai air carrier subsidy program for Molokaʻi, which drew support from the Chamber of Commerce Hawaii and comments from the Department of Transportation. The committee then heard SB 106 on pedestrian rules, which generated mixed testimony: the Office of the Public Defender, Hawaii Appleseed, Hawaii Public Health Institute, Hawaii Workers Center, and the Department of Health supported it, while the Honolulu Police Department and Kīpuka Injury Prevention Coalition opposed it. Supporters argued the bill would reduce inequitable jaywalking enforcement and reflect a broader safety culture; opponents warned it could create confusion and risk. Members also discussed whether the bill would affect other traffic-code provisions and asked about crash data in other jurisdictions; the Department of Health said crashes had not increased in other places and cited California data showing decreased crashes and fatalities. In decision-making, the committee voted to pass SB 934 SD2 with amendments, with Representative Miyake reserving and Representative Cochran excused. It then passed SB 1526 SD2 with amendments. SB 1195 SD1 was also passed with amendments after the chair proposed adding language tying fines for illegal parking near crosswalks and intersections to the Safe Routes to School special fund and establishing a fine range of $100 to $500 per violation, with collected fines dedicated to pedestrian safety improvements. Members voiced support for the dedicated revenue source and community safety rationale. The committee next passed SB 1638 SD2 with amendments to strengthen the constitutional/public-purpose findings for subsidizing air carriers serving Molokaʻi and to add annual audit requirements and penalties for misuse of funds. The amended findings emphasized that affordable air service is essential for health care, employment, education, and overall well-being in remote island communities, and that the subsidy program is intended to improve access and competition while lowering costs for residents. The chair then recessed the meeting after the final vote.

Transcript Highlights:

• Are there any reservations or noes? Seeing none, all present. Are there reservations or noes?
• Are there reservations or noes? If not, recommendations adopted.
• Are there any reservations or noes? Seeing none, recommendations adopted.
• Are there any reservations or noes? Seeing none, the recommendations adopted.
• Are there any reservations or nos? Are there any reservations or nos?

Keywords: 912, senate, all

Summary: The committees heard testimony on several public safety and emergency-related measures. SB 3192, on emergency healthcare license waivers, drew support from nursing and healthcare advocates who said automatic emergency licensure during a governor-declared emergency would help avoid delays in bringing qualified clinicians to disaster areas, citing the Lahaina wildfire response. The committee reported 13 supportive testimonies, none in opposition, and one comment. It later recommended passage of SB 3192 with technical non-substantive amendments and a defective effective date, and the recommendation was adopted by vote. SB 2121, requiring ASL interpretation and visible picture-in-picture display during official emergency announcements, received supportive testimony from the Disability and Communications Access Board and the Hawaii Association of Broadcasters. DAP demonstrated why captions alone are not sufficient and why an interpreter on screen improves effective communication. Broadcasters supported the bill’s intent but raised practical concerns about implementation and staffing, suggesting amendments. SB 3239, which would appropriate funds to HMA for bilingual resources and services for residents with limited English proficiency, was supported by legal aid and immigrant-rights advocates who emphasized the need for language access during disasters and noted the large LEP population in Hawaii. After discussion, the chair proposed folding the sign-language and multilingual access concepts into SB 21109, a broader emergency preparedness communications bill, and the committee deferred SB 2121 and SB 3239. The committee also heard SB 2645 on fire prevention and the Office of the State Fire Marshal. The fire marshal supported the bill’s provisions to modernize the office, create cross-certified assistant fire marshals, shift inspections to a risk-based schedule, establish the state fire code as the baseline, and create a special fund, but DLNR opposed the section changing the marshal selection process from a council-based appointment to gubernatorial appointment. The chair ultimately recommended passage of the proposed SD2 with blank appropriation amounts and committee-report concerns, and the recommendation was adopted. The committee then passed SB 21109 with amendments, incorporating the deferred sign-language and language-access ideas into the broader emergency communications framework. It also later took up measures from the prior day’s agenda, passing SB 2882, SB 3191, and SB 2339 with amendments, including changes to the state buildings, water safety/drowning prevention, and building code council measures.

Transcript Highlights:

• Um, anyone voting with reservations? Anyone voting no? All members vote aye.
• Um, anyone voting<00:30:14.880> with<00:30:15.200> reservations?
• Anyone voting voting with reservations? Anyone voting no?
• Um, anyone voting with reservations?
• <00:31:04.320> All reservations? Anyone voting no? All reservations? Anyone voting no?

Keywords: 912, senate, all

Summary: The Senate Labor and Technology Committee heard testimony on several measures. SB 2245 would tighten revolving-door restrictions for state employees by barring new employees from acting on matters they worked on before state service and imposing a 12-month post-employment restriction for certain former Governor and Lieutenant Governor staff; the Ethics Commission and League of Women Voters supported it, and the committee later passed it as is. SB 99 would allow certain retirees to return to work as school resource officers or investigators without losing retirement benefits; the Attorney General supported the investigator portion, ERS and other agencies offered comments and suggested amendments, and the committee passed the bill with amendments, including changes from the Attorney General, ERS, and the Department of Law Enforcement, plus a far-future effective date. SB 2304, which would expand identity theft law to cover AI/deepfake or materially deceptive media impersonation, drew opposition from the Attorney General and Honolulu Prosecutor over prosecution burdens and First Amendment concerns, while some prosecutors and others supported it; the committee deferred the bill. SB 2115, dealing with collective bargaining impasse procedures for repricing public employee classes, drew opposition from human resources officials who said arbitrators lack the technical expertise needed, while unions and HGA supported the measure; the committee deferred decision-making to a later hearing. The committee also heard SB 1036, a net neutrality bill that would bar broadband providers from blocking, prioritizing, or zero-rating traffic. Supporters argued Hawaii needs stronger consumer protections, while the Hawaii Broadband Office said it saw no current problem in Hawaii and warned the bill could affect federal BEAD funding unless exempted; the committee deferred the measure. SB 1163 would prohibit the sale of geolocation and browser data and data collected through microphone-based background apps; Consumer Protection supported the intent but urged a broader privacy framework, and the Honolulu Prosecutor sought an exemption for lawful law-enforcement investigations, which the committee later accepted along with Hawaiian Telecom’s proposed amendments before passing the bill with amendments. SB 2076 would update publicity-rights law to address AI/deepfake uses of a person’s likeness; testimony supported the goal and amendments from the Recording Industry Association of America, and the committee passed the bill with amendments, including replacing references to AI/deepfake with “digital replica.” After hearing testimony, the committee recessed briefly to obtain quorum and then reconvened for decision-making. It adopted the chair’s recommendation to pass SB 2245 as is, passed SB 99 with amendments, deferred SB 2304, deferred SB 2115 to a later hearing, deferred SB 1036, passed SB 1163 with amendments, and passed SB 2076 with amendments. The meeting then adjourned.

Transcript Highlights:

• Reserve the right to close members. Any questions? And there are no witnesses.
• I'm happy to take any questions and I'd like to reserve my right to close.
• I respectfully reserve the right to close. Yes, you will have that, members.
• And I reserve the right. To close, I'm going to answer any questions you may have.
• So Madam Chair I reserve the right to close and will answer any questions you all may have.

Bills: HB2646, HB3941, HB5153, HB5155, HB5394, HB 1106, HB426, HB4529, HB3984, HB4273, HB 1097, HB3940, HB1941, HB4377, HB3153

Keywords: child care, task force, high-quality care, affordability, prekindergarten partnerships, foster care, transitional living, Medicaid reform, youth assistance, independent living, services for youth, employment training, educational support, mental health services, health care, public health, child health program, reimbursement, local health entities, maternal health

Transcript Highlights:

• So, um, the National Guard is a reserve component of the United States Armed Forces and can be mobilized
• Uh, Chair calls, um, ESGR Employer Support and guard of the guard and reserve.
• Choosing the guard and reserve, uh, as a, as a pathway, and, uh, which will make us even have to do,
• And, um, so ESGR is, is so critical, uh, for the men and women of the guard and reserve, uh, because
• And so, I know a lot of men and women that have served in the military in the Guard and reserve are very

Transcript Highlights:

• And I don't have a problem with putting it into the reserve.
• But I see strategic reserve established, so is that what you mean by reserve?
• strategic Reserve strategic Reserve established<03:37:20.960> so<03:37:21.399> is<
• is that what the the reserve is that what the the reserve establishment<03:37:30.120> is<
• our our funds preserve our Reserve our our funds reserves<03:55:33.720> and<03:55:33.920>

Keywords: 928, house, all

Summary: The subcommittee first dealt with a brew pub license bill and corrected some sponsor/subcommittee roster confusion before voting to pass it without discussion. The main item of debate was a bill allowing patrons to take purchased alcoholic beverages into restrooms. The bill sponsor argued the current ban is outdated, rarely enforced, and can leave patrons vulnerable if they set drinks down and leave them unattended; he said establishments could still post their own rules if they wished. Liquor enforcement officials said they were neutral overall, noting both the risk of drinks being left unattended and the practical concerns of underage drinking, over-service, and restroom monitoring. Testimony split between those who saw the law as a non-issue and those who viewed it as a safety measure. One member said he had never seen anyone take alcohol into a restroom and opposed changing the law, while others cited drink-spiking concerns and suggested alternatives such as safe zones behind bars, drink covers, and alert apps. Industry representatives said many operators would prefer to keep the law as-is because it helps with policing drinking in their establishments, though they acknowledged the motivation behind the bill. Several members also raised drafting concerns, saying the wording was confusing about whether the rule applied to patrons or establishments. The committee ultimately voted 5-2 to recommend the bill ought to pass. Afterward, members discussed amending the language to clarify that establishments could still prohibit the practice, but one member suggested a simpler fix would be to strike the word “restroom” from the prohibition entirely. The committee then unanimously voted to reconsider its action so the language could be revised later, and the amendment discussion was left for a future meeting.

Transcript Highlights:

• It doesn't say in honor, it just says reserve. Wow.
• It doesn't say in honor, it just says reserve. Wow.
• I'm the one that's got a reserve for it. Robert, and you, and you must outrank us.
• No, no, no, this is the city of Conroe, city of Conroe parking downtown reserved for this spot, reserved

Bills: SB3038, SB3045, SB3065, SB3069, SB3071, HB2025, HB2149, HB3370, HB4205, HB4506, HB5424, HB5652, HB24, HB3687

Keywords: Fort Bend County, Municipal Utility District, MUD, special district, Rosenberg, Texas Commission on Environmental Quality, TCEQ, ad valorem tax, bond issuance, assessments, fees, taxes, eminent domain, road district, storm drainage, infrastructure financing, development agreement, municipal consent, temporary directors, public utility district

Summary: The Senate Committee on Local Government met with a quorum and took up a series of pending bills, mostly local-government measures. Early action included final committee approval of Senate Bill 1633 and S.J.R. 60, followed by Senate Bill 3038 and Senate Bill 3045, both reported favorably and placed on the local and uncontested calendar. The committee also considered House Bill 24, adopted a committee substitute, and reported the substitute version favorably; House Bill 2025 was likewise reported favorably and sent to the local and uncontested calendar. Members then handled several companion and local bills, including House Bill 2713 as the companion to Senate Bill 1331, which was reported favorably and placed on the local and uncontested calendar. House Bill 3348, House Bill 3370, House Bill 3505, and House Bill 4506 were each reported favorably, with no objections to local-and-uncontested placement. House Bill 5424 passed on a 6-1 vote, and House Bill 5652 passed with one present-not-voting, both also sent to the local and uncontested calendar. The committee also adopted substitutes and reported House Bill 3687 and House Bill 4205, though both were later reconsidered because the wrong script had been read. After reconsideration, House Bill 3687 and House Bill 4205 were each re-voted and reported favorably to the full Senate, with both placed on the local and uncontested calendar. Senate Bill 3071 was also reported out on a 5-2 vote after adoption of a committee substitute. The meeting ended with no further business and the committee standing at recess subject to the call of the chair.

Transcript Highlights:

• I reserve my right to close. Thank you. Members, any questions for Representative Schaffner?
• Thank you so much, and I reserve my right to. Very good, thank you.
• I reserve my right to close. Members, any questions? All right, seeing none.
• Reserve my right to close. Thank you, Vice Chair. Members, any questions for Vice Chair Flores?
• With that, I welcome any questions and reserve the right to close. Thank you very much.

Transcript Highlights:

• I reserve my right to close. Thank you, members. Any questions for Representative Schaffner?
• I reserve my right to close. Very good. Thank you.
• I reserve my right to close. Members, any questions? All right, seeing none.
• I respectfully reserve my right to close. Thank you, Vice Chair.
• With that, I welcome any questions and reserve the right to close. Thank you very much.

Bills: HB370, HB738, HB2935, HB3227, HB4103, HB5259, SB519, SB1350, SB1247, SB1248, SB2112, HCR81, HCR83, HCR84, HCR59, HCR109, HCR111, HCR135, SCR6

Keywords: HB 370, Events Trust Fund, Texas events funding, sports eligibility, women's sports, girls' sports, biological sex, transgender athletes, sex-segregated sports, athletic competition, event subsidies, tourism funding, site selection organization, anti-trafficking plan, female athletes, public funding, economic impact, sports policy, Rosenwald Schools, historical preservation

Transcript Highlights:

• independence of the Federal Reserve independence of the Federal Reserve Board.<00:05:19.280>
• Federal Reserve Board that does that. Federal Reserve Board that does that.
• Speaker, I reserve. The gentleman Mr. Speaker, I reserve.
• >> The gentleman for Wisconsin reserves. >> The gentleman for Wisconsin reserves.
• With that, I reserve the balance of my time. >> The gentlewoman reserves, and the gentleman from

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, July 22, 2025, 1012, house, all

Transcript Highlights:

• with that policy, UCOP now keeps $15 million in unallocated reserves.
• In terms of the reserve policy, we saw on the chart that there are different levels of reserves for each
• Should there be a different level of reserves? Should there be a system-wide reserve policy?
• UC currently does not have a system-wide reserve policy for our campuses.
• But on our unallocated reserves, we just...

Summary: The Assembly Budget Subcommittee on Education Finance held an extended hearing focused primarily on University of California budget issues, enrollment, housing, and Title IX. Chair David Alvarez opened by noting the governor’s proposed 8% ongoing General Fund reduction to UC, the deferral of compact funding, and the College of the Law budget item, while emphasizing that no votes would be taken that day. Public commenters, including UC Davis employees and lecturers, urged restoration of UC funding and opposed the hiring freeze, saying cuts would worsen staffing shortages, reduce research capacity, and harm students and patients. On UC core operations, the Department of Finance said the governor’s budget maintains the compact but defers $240.8 million in ongoing support and continues a planned 7.95% reduction, while the LAO recommended rejecting the deferrals and instead making any changes in the budget year. UC San Diego’s chancellor and UC Office of the President argued the cuts and deferrals would create major campus shortfalls, force hiring freezes, larger class sizes, fewer course offerings, delayed projects, and possible layoffs. Committee members questioned whether cuts could be shifted away from students and toward administration, discussed UCOP reserves and bond debt, and noted that UC’s budget structure makes the campus-level impact larger than the headline reduction. The committee also reviewed enrollment trends and nonresident replacement. The LAO said UC resident enrollment has grown and recommended revisiting 2026-27 targets and pausing the nonresident replacement plan if state funding does not improve. UC said it has exceeded California undergraduate enrollment and nonresident replacement goals, but warned that continued growth without funding would force enrollment reductions and harm quality. Members discussed the role of nonresident and international students, tuition rates, and the value of UC as a pathway for California students and a source of talent for the state. A separate housing item covered the state’s Higher Education Student Housing Grant Program. UC reported that recent bond savings could support additional affordable beds at UC Davis and UC Santa Barbara, but the LAO and Finance noted the Legislature would need to decide how to use the $6.2 million in savings from the original projects. The committee also heard a Title IX update from UC’s systemwide civil rights office, which described campus Title IX structures, training, and policy enforcement, and said the system has been working to improve confidentiality guidance and streamline complaint processes after survey feedback showed confusion and lengthy procedures.

Transcript Highlights:

• implementing on on the reservation implementing on on the reservation dealing<01:59:07.679> with
• removed off the reservation. removed off the reservation.
• Uh the reservation is certain areas.
• Wind River Reservation that it would be Wind River Reservation that it would be a<02:33:54.000> matching
• <02:48:58.080> those uh authority for them to reserve those uh authority for them to reserve

Keywords: 916, all

Transcript Highlights:

• will be adjusted to these 10% and 5% parameters um if the current law uh appropriates below that or reserves
• 00:04:29.199> that<00:04:29.520> any<00:04:29.840> amounts<00:04:30.240> reserved
• <00:04:31.120> for ensure that any amounts reserved for ensure that any amounts reserved for
• <00:04:43.120> or law uh appropriates below that or law uh appropriates below that or reserves
• serves below that amount for reserves serves below that amount for administrative costs.<00:04:49.199

Keywords: 919, house, all

Summary: The meeting focused on a House counteroffer to a higher education budget and policy agreement, with Ken Savory walking members through spreadsheet changes and Mr. Hopkins reviewing policy items. On the budget side, the House adjusted several appropriations and savings targets, including state grants, child care grants, student teacher and shortage area grants, student parent support, spinal cord injury and traumatic brain injury research grants, dual training grants for legal cannabis employers, and University of Minnesota cannabis research. The House also noted no change to Minnesota State, alignment with the Senate on the summer academic enrichment program, and that remaining state grant parameters would continue to be negotiated. On policy, the House said some items were agreed to and grayed out, including campus sexual misconduct policy and treatment of appropriations. The House kept its original position on the NN Mayo Clinic Partnership and did not include K-12 direct admissions or the College Financing Literacy Act. It also proposed adjusting OHEI appropriations for competitively and legislatively named grant programs so administrative cost reserves would conform to 10% and 5% parameters when current law is below those levels. The committee then heard testimony in support of continuing the spinal cord injury/traumatic brain injury grant program at its current level. Joey Carlson described his spinal cord injury, his career path, and how the program helped advance research and industry connections, while Matthew Broadick argued the program has produced clinical trials, FDA approval-related progress, jobs, and strong return on investment. He also said the program belongs at the Office of Higher Education rather than the Department of Health because its mission better fits research and innovation. Members asked about the program’s long-term home, and the witnesses defended OHE’s role. No votes were taken; the chair thanked the House for the offer, said it would be reviewed, and recessed the meeting.

Transcript Highlights:

• I'd like to reserve the right to close. Members, any questions?
• We reserve your right to close. The Chair calls Emily French.
• Okay, we'll reserve the right to close. Chair calls Luis Chris Lopez.
• I'll be glad to answer any questions and reserve the right to close.
• Seeing none, if not, we'll reserve your right to close as Chairman.

Bills: HB5097, HB5513, SB523, SB857, SB964, SB1101, SB2143, SB2332, SB2383, HB 1108

Keywords: criminal history, background checks, government code, licensing, information access, rural law enforcement, child care grants, community support, law enforcement retention, advisory committee, SB 523, Texas driver’s license, alternative address, residential address, confidential address, address confidentiality, Department of Public Safety, DPS, Transportation Code, Section 521.1211

Transcript Highlights:

• I reserve my right to close.
• I reserve my right to close. I've reserved my right to close.
• I welcome your questions and respectfully reserve the right to close.
• If not, I would otherwise reserve my right to close.
• Happy to take any questions you have and would like to reserve my right to close.

Bills: HB447, HB897, HB993, HB2673, HB3671, HB3680, HB3897, HB4506, HB4753, HB4812, HB4894, HB5148, HB5437, HB5650, HB5652, HB5654, HB5656, HB5661, HB5665

Keywords: traffic impact studies, municipal utility district, bonds, road projects, eminent domain, HB 897, Texas land sale, state property, Austin real estate, Travis County, General Land Office, Texas State Library and Archives Commission, HHSC, Health and Human Services Commission, state records facility, archives building, library funding, capital improvements, lease of state land, public land disposition

Summary: The committee heard testimony and took action on several land use, housing, municipal utility district, and cemetery-related bills. House Bill 447, dealing with transportation impact analysis requirements tied to MUD bond issuance, drew opposition from a witness who argued it would duplicate work, strain agency resources, and delay development; after the sponsor’s closing remarks, the committee substitute was withdrawn and the bill was left pending. Senate Bill 1202, on third-party review of home backup power installations, was substituted and reported favorably to the full House by a unanimous roll call. House Bill 2494, on disannexation for failure to provide municipal services, and House Bill 1835, removing barriers to HUD-code manufactured homes, were also substituted and reported favorably; HB 1835 passed on a 5-1 vote. Senate Bill 15, limiting lot size and density requirements in certain large municipalities, was substituted and reported favorably unanimously. The committee also heard House Bill 897, which would authorize the sale or long-term lease of two state-owned Austin properties used by the Texas State Library and Archives Commission and HHSC. The sponsor said the properties are in poor condition and that proceeds would benefit the state; after questions, the committee substitute was withdrawn and the bill was left pending. Several template MUD bills were then laid out, including HB 5652, HB 5654, HB 5661, and HB 5656, each creating or authorizing municipal utility districts in Montgomery or Fort Bend counties for water, wastewater, drainage, road, and recreational improvements. These bills drew limited testimony in support and were left pending without objection. A major portion of the meeting focused on House Bill 2673, which would repeal last session’s change allowing new cemeteries within certain distances of municipalities and restore the prior rule limiting cemetery placement near growing urban areas. The sponsor and supporters argued the 2023 change created unintended consequences, removed valuable taxable land from future use, and complicated city planning; opponents, including a funeral service industry representative, argued the current law gives communities local control and helps address cemetery land shortages. After extensive testimony, the bill was left pending. The committee also heard HB 4753, a bill allowing a property owner to use a municipal record showing a certificate of occupancy was issued when the original document is lost; it was left pending. Finally, HB 3680, a Cameron County-specific bill modifying subdivision/model rule procedures to reduce replatting burdens while preserving colonia protections, and HB 4812, clarifying that condominiums follow Chapter 82 of the Property Code rather than full subdivision platting, both received supportive testimony and were left pending.

Transcript Highlights:

• I'm happy to answer any questions and reserve the right to close.
• And I'll be happy to take any questions and reserve the right to close.
• If there are any questions, I'm happy to take them now, and I reserve my right to close.
• We'll reserve your right to close, sir. We'll go ahead and go into the test. money.
• Ma'am, we'll reserve your right to close and we'll go. straight into the testimony.

Bills: HB 1105, HB1527, HB1787, HB1972, HB2081, HB3296, HB3976, HB4071, HB4234, HB4438, HB4701, HB5092, HB5150, HB5180, HB5265, HB5333, HJR203

Keywords: tuition exemption, paramedics, higher education, laboratory fees, emergency medical services, peace officers, criminal justice, law enforcement, degree programs, public institutions, HB 1787, HPV, human papillomavirus, college health, university health, student health, public health education, prevention program, screening, early detection

Transcript Highlights:

• I reserve the right to close with your permission, sir. Thank you.
• I would respectfully reserve the right to question.
• Well, Chair, we reserve your right to close.
• The Chair will reserve your right to close. Thank you, Mr. Chairman.
• I think you will reserve your right to close.

Bills: HB158, HB714, HB 1198, HB1630, HB1998, HB3509, HB3788, HB3875, HB3948, HB3977, HB4097, HB4313, HB4314, HB4317, HB158

Keywords: housing, veterans, surplus government property, affordable housing, funding sources, housing assistance, homeless prevention, landlord incentives, rural housing, domestic violence, community development, tenant readiness, program participants, financial assistance, homelessness, rental support, Texas Tenant Readiness Program, tenant assistance, housing stability, Texas Department of Housing

Transcript Highlights:

• Reservations. So ordered. Representative Kila. Well, Madam Speaker, reservations, please.
• Reservations. So ordered. Representative Kong. No vote. So ordered. Representative Pierick.
• Representative Garcia: Reservations. So ordered. Standing Committee Report 1551 and 1552.
• Representative Garcia: Reservations. So ordered. Standing Committee Report 1551 and 1552.
• Representative Garcia: Reservations. So ordered. Standing Committee Report 1551 and 1552.

Keywords: 910, house, all

Transcript Highlights:

• Private market insurers must have minimum reserves to ensure solvency based on their risk.
• TWA is not subject to any minimum reserve requirements.
• after a catastrophe and too much on reinsurance, the cost of which prevents us from building up reserves
• When that happens, our next source for paying claims is the Catastrophe Reserve Trust Fund, or the CRTF
• That you're not really building in reserves when you're when so much of that money is going directly

Transcript Highlights:

• Depending upon the size of that deductible, there may not be reserves that have been collected through
• The reserves Representative Oiso mentioned: reserves.
• The reserves Representative Oiso mentioned: reserves.
• The reserves Representative Oiso mentioned: state law requires associations to put money aside in a reserve
• see how much is actually put in the reserves when they're actually making that acquisition.

Bills: HF1865, HF2014, HF2028

Keywords: mortgage, qualified mortgage, QM, points and fees, conventional loan, consumer lending, home loan, residential real estate, lender fees, service charge, finance charge, closing costs, Minnesota Statutes 47.20, housing finance, borrower protections, cooperative apartment loan, contract for deed, real estate lending, foreclosure, notice requirements