Video & Transcript : 'Overdraft Lending' :
Page 58 of 114
MN
Minnesota 2025-2026 Regular Session
Committee on Agriculture, Veterans, Broadband and Rural Development - 04/21/25
Agriculture, Veterans, Broadband, and Rural Development
Transcript Highlights:
- Discriminatory practices in lending and land ownership, as well as outright violence and land theft,
- Discriminatory practices<00:37:40.720><c> in</c><00:37:41.040><c> lending</c><00:37:41.760><c> and</c
- ><00:37:42.000><c> land</c><00:37:42.320><c> ownership</c> practices in lending and land ownership practices
- in lending and land ownership as<00:37:43.520><c> well</c><00:37:43.680><c> as</c><00:37:44.000><c>
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 4/2/25
Agriculture Finance and Policy
Transcript Highlights:
- challenged Minnesota farmers during declared disasters and helps keep money in the account available to lend
- :14:16.800><c> account</c><01:14:17.080><c> available</c><01:14:17.480><c> to</c><01:14:17.760><c> lend
- </c><01:14:18.040><c> during</c> in the account available to lend during in the account available to
- lend during disasters<01:14:18.679><c> when</c><01:14:18.800><c> it's</c><01:14:18.920><c> needed</c>
Committee:
House Agriculture Finance and Policy
Keywords:
agriculture finance, broadband development, Department of Agriculture, Board of Animal Health, Agricultural Utilization Research Institute, Office of Broadband Development, food safety, food handler license, cottage food, home processed food, livestock dealer, meat packing company, milk marketer, milk marketing license, grain buyer, grain storage, beginning farmer, emerging farmer, farm down payment assistance, livestock investment grant
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 3/20/25
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- We were able to pair those with cooperative lending libraries so they could be used for STEM career exploration
- We were able to pair those with cooperative lending libraries so they could be used for STEM career exploration
- We were able to pair those with cooperative lending libraries so they could be used for STEM career exploration
- We were able to pair those with cooperative lending libraries so they could be used for STEM career exploration
MN
Transcript Highlights:
- There is precedent up in line 1.10 and 1.11, so just lend our support to the bill and thank you for hearing
- 1.11</c><01:34:30.159><c> so</c><01:34:30.960><c> uh</c><01:34:31.199><c> just</c><01:34:31.320><c> lend
- </c> in line 1.10 and 1.11 so uh just lend in line 1.10 and 1.11 so uh just lend our<01:34:31.800><c>
Committee:
Senate Taxes
MN
Minnesota 2025-2026 Regular Session
House Public Safety Finance and Policy Committee 3/4/25
Public Safety Finance and Policy
Transcript Highlights:
- Due process always lends itself to fairer outcomes in disciplinary investigations within the workplace
- 01:31:30.840><c> due</c><01:31:31.320><c> process</c><01:31:32.000><c> always</c><01:31:32.480><c> lends
- </c><01:31:32.960><c> itself</c><01:31:33.800><c> to</c> alike due process always lends itself to alike
- due process always lends itself to fairer<01:31:34.600><c> outcomes</c><01:31:35.239><c> in</c><01:31
Committee:
House Public Safety Finance and Policy
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 02/27/25
Commerce and Consumer Protection
Transcript Highlights:
- We've got a solar lending case as well where we've got tens of thousands, again hundreds of thousands
- /c><01:30:51.760><c> a</c><01:30:51.920><c> solar</c><01:30:52.520><c> solar</c><01:30:52.840><c> lending
- </c> declared we've got a solar solar lending declared we've got a solar solar lending case<01:30:53.600
Committee:
Senate Commerce and Consumer Protection
MN
Transcript Highlights:
- agree with all the rest of it, that's called cherry-picking, and it's not really like, um, it doesn't lend
- critical role in the Twin Cities affordable housing and economic development ecosystems, where we lend
- critical role in the Twin Cities affordable housing and economic development ecosystems, where we lend
- critical role in the Twin Cities affordable housing and economic development ecosystems, where we lend
Committee:
House Taxes
MN
Minnesota 2025-2026 Regular Session
Committee on Housing and Homelessness Prevention - 02/25/25
Housing and Homelessness Prevention
Transcript Highlights:
- Many moments were instrumental in lending their voices to this process to uplift their solutions.
- were Community focus groups many motans were instrumental<01:07:21.200><c> in</c><01:07:21.319><c> lending
- c><01:07:21.680><c> their</c><01:07:21.880><c> voices</c><01:07:22.200><c> to</c> instrumental in lending
- their voices to instrumental in lending their voices to this<01:07:22.680><c> process</c><01:07:23.000
Committee:
Senate Housing and Homelessness Prevention
MN
Transcript Highlights:
- right on the border between Senator Barr's and in my district, so at Senator Barr's bill I'm here to lend
- bars Bill I'm my district so at Senator bars Bill I'm here<01:45:08.280><c> to</c><01:45:08.520><c> lend
- moral</c><01:45:09.199><c> support</c><01:45:09.800><c> another</c><01:45:10.199><c> good</c> here to lend
- moral support another good here to lend moral support another good solid<01:45:10.880><c> Highway</c
Committee:
Senate Transportation
NH
New Hampshire 2025 Regular Session
Senate Executive Departments and Administration (01/28/2025)
Executive Departments and Administration
Transcript Highlights:
- This is one of their top priorities because of the inconsistencies, and jurisdictions are lending itself
- 38:13.480><c> are</c> inconsistencies and jurisdictions are inconsistencies and jurisdictions are lending
- <00:38:14.040><c> itself</c><00:38:14.400><c> to</c><00:38:14.680><c> confusion</c> lending itself to
- confusion lending itself to confusion misinterpretation<00:38:16.760><c> and</c><00:38:16.960><c> ultimately
HI
Hawaii 2025 Regular Session
ACT 310, SLH 2025 Nonprofit Grants Program Informational Briefing 10-30-2025
Hawaii Senate Floor Meeting
Transcript Highlights:
- Next we have Hawaiian Lending and Investments. to 500 homeless young people.
- <00:40:04.960><c> we</c><00:40:05.119><c> have</c><00:40:05.280><c> Hawaiian</c><00:40:05.680><c> Lending
- Next we have Hawaiian Lending Thank you.
- Next we have Hawaiian Lending and<00:40:06.480><c> Investments.</c> Hi, my name is Rolina Fog.
- I am the executive director for Hawaiian Lending Investments. We’re a U.S.
Summary:
This joint informational briefing focused on Act 310 grants and aid, with committee members hearing one-minute testimony from organizations first in person and then by Zoom. At the outset, the chairs explained there would be no Q&A during the briefing and asked testifiers to focus on how federal cuts were affecting their work. The meeting was organized by registration number and included both neighbor island and Oʻahu applicants.
Testimony centered on organizations seeking state support to offset federal funding losses or anticipated reductions. Health and social service providers described impacts from Medicaid, SNAP, ACA subsidy, Title X, and other federal changes, including Aloha Care, Community Clinic of Maui, Healthy Mothers Healthy Babies, West Hawaiʻi Community Health Center, Hawaiʻi Disability Rights Center, Hawaiʻi Youth Services Network, Alcoholic Rehabilitation Services of Hawaiʻi, and Kokua Kalihi Valley. Other groups highlighted losses affecting food security, housing, disaster preparedness, and climate resilience, including the Kohala Center, Feeding Hawaiʻi Together, Hawaiian Lending and Investments, Dynamic Community Solutions, and the Pacific Tsunami Museum. Several arts, youth, and education organizations also testified, including Hawaiʻi Literacy, Hawaiʻi Youth Symphony, Honolulu Theatre for the Youth, Sounding Joy Music Therapy, Big Brothers Big Sisters Hawaiʻi, Girl Scouts of Hawaiʻi, Kids Hurt Too Hawaiʻi, and US Vets, each requesting funding to preserve programs and staffing.
No votes or formal committee actions were taken during the briefing. The only action was procedural: the chairs moved through the applicant list, limited testimony time, and then transitioned from neighbor island in-person testimony to Oʻahu and later Zoom participants.
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Wed Feb 18, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- Additionally, the department feels that subsidies for this specific hazard would all lend itself to questions
- My family has been the victim of predatory lending.
- longer enforceable, they do not have to respond to claims that the mortgage resulted from predatory lending
- longer enforceable, they do not have to respond to claims that the mortgage resulted from predatory lending
- longer enforceable, they do not have to respond to claims that the mortgage resulted from predatory lending
Bills:
HB20 , HB2612 , HB2404 , HB2459 , HB2194 , HB1880 , HB2284 , HB1969 , HB2458 , HB1546 , HB2161 , HB1721 , HB1641 , HB2137 , HB1782 , HB2360 , HB1965 , HB1897 , HB1513
Committee:
House Consumer Protection & Commerce
Summary:
The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided.
The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments.
Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.
NH
Transcript Highlights:
- in-group solidarity identity, framing other as an existential threat is ultimately a strategy that lends
- in-group solidarity identity, framing other as an existential threat is ultimately a strategy that lends
- in-group solidarity identity, framing other as an existential threat is ultimately a strategy that lends
- in-group solidarity identity, framing other as an existential threat is ultimately a strategy that lends
- in-group solidarity identity, framing other as an existential threat is ultimately a strategy that lends
Committee:
House Transportation
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on State Administration and Regulatory Oversight Jun 21st, 2026 at 01:00 pm
Joint Committee on State Administration and Regulatory Oversight
Transcript Highlights:
- Longstanding economic oppression characterized by modern-day redlining, mass incarceration, discriminatory lending
- clear, as has been mentioned: 246 years of slavery, a century of Jim Crow, redlining, discriminatory lending
Summary:
The committee heard testimony on several bills related to open meeting law, municipal meetings, town meetings, and remote participation. Senator Rausch supported S. 2205 and S. 2206, and House companion H. 3382, saying they would make remote participation in public bodies permanent and streamline open meeting law and public records complaint processes to reduce burdens on local officials. Committee members and the senator discussed concerns about complaints being weaponized, the role of the Attorney General, and whether public testimony should be presumed allowed unless a chair limits it with justification. The senator said the bills do not change public records fees and are meant to improve process and transparency.
A large portion of the hearing focused on H. 3342 and S. 2197, which would modernize municipal meetings, town meetings, and local elections by allowing permanent remote or hybrid participation. Supporters included Wayland officials, the Massachusetts Municipal Association, Newton Mayor Ruthanne Fuller, MAPC, MACC, and others, who argued that hybrid and remote options increase participation, help parents, caregivers, people with disabilities, and residents with travel or work constraints, and have worked well during the pandemic-era extensions. Municipal officials emphasized that a mandate would be costly and difficult for smaller communities because of staffing, technology, room design, cybersecurity, and uneven internet access, especially in western Massachusetts. Committee members asked about equal access, funding, and whether local discretion should remain; the chair said the committee wants a permanent solution beyond emergency rules but must balance access with local capacity.
The committee also heard testimony on H. 3328, which would allow remote participation to count toward quorum for statewide appointed bodies such as commissions on women and LGBTQ issues. Supporters argued this would improve regional equity and make it easier for people outside Greater Boston to serve, while committee members noted it is a separate issue from municipal meetings and may be easier to address than broader local-government changes. Another bill, H. 4351, was supported by Rep. Brandy Fluker Reed, who described it as creating an Office of Freedmen Affairs to address longstanding racial wealth disparities affecting descendants of enslaved Americans. The hearing also included testimony on H. 3299 from Common Cause and MASSPIRG in favor of guaranteed hybrid access for public meetings with public participation components, with advocates saying it would improve transparency, accessibility, and civic engagement.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Tourism, Arts and Cultural Development Jun 21st, 2026 at 01:00 pm
Joint Committee on Tourism, Arts and Cultural Development
Transcript Highlights:
- We can continue to do so under a more reasonable model for digital lending.
- preservation copies and not just rent copies for circulation that disappear maybe after two years or after 26 lends
Summary:
The hearing focused on several bills related to access to library materials, including measures addressing book bans and censorship in public and school libraries, as well as legislation on digital library collections and e-book licensing. Committee leaders said testimony would be limited to three minutes and encouraged written submissions. Early testimony from Chair Brian Murray highlighted H. 3595, which would address challenges facing public libraries and digital resource collections by limiting restrictive publisher-library contract terms, protecting patron confidentiality, and creating a special legislative commission to study the issue.
A large number of legislators, librarians, authors, students, publishers, and advocacy groups testified in support of the free expression bills, including H. 3594 and S. 2328, arguing that book challenges in Massachusetts disproportionately target LGBTQ+ and BIPOC titles and that librarians and educators need protection from retaliation and harassment. Witnesses described local incidents of book removals, threats, and pressure campaigns, and several said the bills would create transparent challenge procedures, keep materials available during reviews, and ensure decisions are made by trained professionals rather than political actors. Congresswoman Ayanna Pressley’s office also submitted support, and multiple speakers cited national trends and Massachusetts-specific censorship attempts.
Testimony on the digital access bills emphasized that e-books and audiobooks are essential for readers with disabilities, homebound patrons, students, and others who rely on accessible formats, but that current licensing terms are far more expensive and restrictive than print purchasing. Library representatives said libraries spend millions on digital content, face long wait times for popular titles, and often must repeatedly re-rent the same materials. Legal and library experts supported the proposed commission as a practical step toward fairer licensing and stronger bargaining power for libraries. The hearing ended after extensive testimony; no votes or final committee action were taken in the portion provided.
CA
California 2025-2026 Regular Session
Assembly Budget Committee Jun 15th, 2026
Transcript Highlights:
- Finally, we'd like to lend our support for the additional revenues, including the fair share contribution
- Finally, we'd like to lend our support for the additional revenues, including the fair share contribution
Summary:
The Assembly Budget Committee met to consider the 2026 Budget Act, which leaders said was the negotiated compromise with the Senate and was expected to move to the floor that evening. Opening remarks emphasized that the plan balances the budget over two years, reduces the structural deficit, and builds reserves, while also protecting core services in the face of federal cuts. Jason Sisney outlined the legislative budget framework and the likely floor bills, including AB 109, SB 110, SB 122, and SB 125. Department of Finance representative Eric Khali said the administration appreciated the two-year balanced approach and supported the modification in SB 122, while noting the package uses additional revenues and new spending to soften or reject some proposed cuts.
Most of the discussion focused on major spending areas. Members and subcommittee chairs highlighted protections and additions for health care and human services, including rejecting the proposed Medi-Cal asset limit change, delaying premium increases, restoring clinic and dental funding, supporting distressed hospitals and county indigent care, and expanding county eligibility staffing to handle H.R. 1-related workload. Education members described record or expanded support for TK-12 schools, child care, special education, community colleges, teacher recruitment, and higher education, including a change to extend Cal Grant eligibility to age 30 for some community college students. Housing and homelessness funding was increased for HAP, multifamily housing, and the low-income housing tax credit, while public safety members pointed to investments in victims’ services, restorative justice, and prison closure savings.
Several members also raised concerns or priorities tied to the budget deal. Some praised the package as a moral document that protects vulnerable Californians, immigrant communities, LGBTQ residents, seniors, and people with disabilities. Others noted unresolved issues, including the MCO tax’s impact on districts, the need for more support for local journalism, arts, biotech R&D incentives, transit and GGRF-related concerns, and the need for continued work on Prop. 98 and long-term fiscal resilience. The vice chair cautioned that despite the current progress, the state remains vulnerable to revenue volatility and warned that the budget should build more resilience against a possible downturn. No formal vote was taken in the portion provided, but the committee was preparing the budget package for floor action and final negotiations.
CA
California 2025-2026 Regular Session
Senate Budget and Fiscal Review Subcommittee No. 4 on State Administration and General Government Apr 16th, 2026
Transcript Highlights:
- that they would restrict SBA loans from green card holders, but we have direct relationships with lending
- getting the capital for those launches is through a trusted advisor who can speak on your behalf to a lending
Summary:
The subcommittee heard an informational update from the Governor’s Office of Business and Economic Development on the state’s Jobs First economic development strategy and related budget requests. Go-Biz described its regional planning process, priority sectors such as ag-tech, space defense, life sciences, and semiconductors, and requests including an extension of the CalCompetes tax credit, support for export promotion, additional film commission staff, innovation and emerging technology capacity, and a California brand campaign. Members questioned the campaign’s purpose, with some supporting efforts to counter misinformation about California and others warning it should not obscure regulatory and business-climate concerns. Go-Biz said the campaign would be nationally focused, could include business attraction efforts, and was intended to complement—not replace—policy work on permitting and workforce development. The item was informational only.
The committee then heard from the California Office of the Small Business Advocate on the California RISE program, the Performing Arts Equitable Payroll Fund, and the Technical Assistance Program/Capital Infusion Program. CalOSBA reported that California RISE’s first round awarded $16.9 million to 61 employment social enterprises, which collectively increased revenue, secured contracts, and employed thousands of people facing barriers to work; a second round is being launched with a new administrator and expanded services. For the performing arts payroll fund, the office said all 100 awardees had been paid, but demand far exceeded available funding, and the program was oversubscribed within days. California for the Arts testified that the sector remains fragile after COVID and urged statutory changes to simplify eligibility and stretch dollars further. SBDC representatives described TAP/SIP as a statewide network supporting small businesses, capital access, and disaster recovery, emphasizing their role in underserved communities and the leverage of federal matching funds.
Committee members focused on whether these programs produce durable outcomes and reach smaller or disadvantaged businesses. Questions centered on long-term job retention in California RISE, outreach to ethnic and community media in the civic media program, and whether TAP/SIP are accessible to entrepreneurs with limited capital or capacity. CalOSBA and its partners said they rely heavily on local community organizations for outreach, provide one-on-one counseling and training, and are working to collect more longitudinal data. The committee also discussed the film and television tax credit program, for which Go-Biz requested funding for three permanent positions and ongoing program support. Film Commission staff said the expanded program is tracking demographic and career-pathway data, with most productions opting into new diversity provisions, and that a formal report to the Legislature is expected in 2027. The item concluded without a vote, as the hearing was for oversight and budget discussion.
CA
California 2025-2026 Regular Session
Senate Budget and Fiscal Review Subcommittee No. 4 on State Administration and General Government Apr 16th, 2026
Transcript Highlights:
- that they would restrict SBA loans from green card holders, but we have direct relationships with lending
- getting the capital for those launches is through a trusted advisor who can speak on your behalf to a lending
Summary:
The subcommittee heard an overview from Go-Biz Director D.D. Myers on the administration’s economic development strategy, centered on the California Jobs First framework. Myers described regional planning across 13 regions, the Jobs First Council, and pilot sectors including ag-tech, space and defense, life sciences, and semiconductors. She also outlined budget requests for CalCompetes, CalExport, the California Film Commission, innovation/emerging technologies, and the California Civic Media Fund, along with the new California brand campaign. Committee members raised questions about misinformation about California, regulatory burdens, tourism versus broader economic messaging, and how the brand campaign would highlight underrepresented communities. No vote was taken; the item was informational.
The committee then reviewed CalOSBA’s work on small business support, including California RISE, the Performing Arts Equitable Payroll Fund, and TAP/SIP technical assistance and capital infusion programs. CalOSBA reported that California RISE’s first cohort awarded $16.9 million to 61 employment social enterprises, with growth in revenue, contracts, and jobs; the performing arts payroll fund paid all 100 recipients but was heavily oversubscribed; and TAP supported more than 112,000 businesses in the past year, helping leverage federal and local funds. Testimony from program partners emphasized the importance of small business counseling, community-based outreach, and support for arts organizations facing post-pandemic and AB 5-related cost pressures. Senators pressed for more data on long-term job retention, better outreach to smaller and ethnic media, and possible program changes to speed grants and stretch funding further.
Finally, the committee heard Go-Biz’s request for additional staff and funding for the California Film and Television Tax Credit Program. Staff said the request would support application review, DEIA implementation, and data tracking. The Film Commission reported that about 147 productions had been approved and roughly 90% were opting into the new diversity provisions, with career pathways reporting to include demographic and participation data and a future report expected in 2027. Senators asked about accountability, apprenticeship and internship hours, and whether the program was producing real career pathways and inclusive hiring outcomes. The item remained informational, with no vote or action taken during the hearing.
ID
Transcript Highlights:
- But if there are any kind of situations that would lend it to a nurse, to a social worker, to a doctor
- ... ...that would lend it to a nurse, to a social worker, to a doctor, to a teacher.
CA
California 2025-2026 Regular Session
Senate Budget and Fiscal Review Subcommittee No. 1 on Education Mar 12th, 2026
Transcript Highlights:
- support for three items: the California Library Services Act, which is the Collaborative Loaning and Lending
- highlighting support for three items: the California Library Services Act, the Collaborative Loaning and Lending