Video & Transcript : 'broker commissions' :

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FL

Florida 2026 Regular Session

Appropriations Committee on Criminal and Civil Justice Feb 25th, 2026

Appropriations Committee on Criminal and Civil Justice

Transcript Highlights:
  • The exemption does not prohibit the department from releasing the name and address of the pawn broker
  • party nominees for governor, lieutenant governor, and cabinet offices after the Election Canvassing Commission
  • terrorist organizations, and it would be very factual and very, very fact-driven, and requiring the commission
Bills: S0500 , S0536 , S0762 , S1582 , S1632 , S1634 , S1742 , S1750 , S1792
NH

New Hampshire 2026 Regular Session

House Committee on Housing (01/13/2026)

Housing

Transcript Highlights:
  • They are self-governing committees with elected boards, planning commissions, and voters who know their
  • They are self-governing committees with elected boards, planning commissions, and voters who know their
  • They are self-governing committees with elected boards, planning commissions, and voters who know their
  • They are self-governing committees with elected boards, planning commissions, and voters who know their
  • Rockingham Planning Commission first year sitting there, 20,000; then it's 40,000; then it's 90,000.
Committee: House Housing
NH

New Hampshire 2025 Regular Session

House State-Federal Relations and Veterans Affairs (02/07/2025)

State-federal Relations and Veterans Affairs

Transcript Highlights:
  • A Washington State fishing company called Fishermen's Finest commissioned a new ship from Dakota Creek
  • <00:38:08.640><c> competition</c> A Washington State fishing company called Fishermen's Finest commissioned
  • A Washington State fishing company called Fishermen's Finest commissioned a new ship from Dakota Creek
  • We need more honest brokers involved with the climate dialogue—people who view it as a work in progress
  • We need more honest brokers involved with the climate dialogue—people who view it as a work in progress
MS

Mississippi 2026 Regular Session

MS House Floor - 4 March, 2026; 10:00 AM

Mississippi House Floor Meeting

Transcript Highlights:
  • They're given to you by the Forestry Commissions and Mississippi Forestry Association.
  • And Mississippi Forestry Commission.
  • Today is one of the celebrations of the 100th year anniversary of the Mississippi Forestry Commission
  • Number one is it deals with the real estate license changes to brokers.
  • How do commissions be started to establish trade?
FL

Florida 2026 Regular Session

March 10, 2026 (11:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • You see, having served on a city commission with no term limits, and a county commission where I term-limited
  • Ryan Ryder, from commission aide to campaign photographer, Ryan made some of the best campaign ads the
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • This clarifies that the board or commission can promote an elected member of that body.
Summary: The House convened with prayer, a moment of silence for Army Sgt. Benjamin Pennington, the Pledge of Allegiance, quorum call, and several recognitions, including law enforcement guests, a Spina Bifida Week presentation, and a salute to the 2025 IPSC Handgun World Shoot team. The chamber then adopted the special order report and moved to floor consideration of Senate bills. Members passed several bills unanimously or near-unanimously after brief debate and, in some cases, floor amendments. CS/SB 590 clarified that changes to the statute of limitations for mandatory reporters of child abuse apply prospectively and passed 111-0. SB 418 required law enforcement autism-interaction training and allowed the blue-envelope program to be offered in electronic or physical form; it passed 111-0. CS/CS/SB 1668 addressed NICA’s actuarial soundness and passed 112-0. CS/SB 1246 expanded the Linking Industry to Nursing Education fund to broader health science programs and passed 112-0. CS/CS/SB 1404 set baseline standards for memory care providers and passed 111-0. CS/CS/SB 1030 revised recovery residence rules, including MAT-related provisions, and passed 168-0. CS/CS/SB 178 changed FHSAA rules so school coaches may use limited personal funds for student welfare with parent consent and passed 112-0. CS/CS/SB 422 barred use of ADS-B data for airport billing and passed 108-2. CS/CS/SB 598 modernized funeral, cemetery, and consumer services licensing and passed 111-0. The House also considered CS/CS/SB 1134, a controversial bill restricting county and municipal DEI-related official actions and contracting. Sponsor Rep. Black described broad prohibitions with numerous exceptions, while members asked about effects on observances, special events, parade participation, and local economic-vitality offices. Rep. Gant offered an amendment to narrow the bill’s DEI definition by removing vague prongs, arguing the language was ambiguous and could chill local government action; debate on that amendment was underway when the transcript ended. The chamber then moved into farewell remarks, including an extended address from Rep. Eskamani reflecting on her service, family, staff, constituents, and policy priorities, followed by remarks from the Speaker praising her energy and preparation. Rep. Overdorf also delivered farewell remarks highlighting his work on environmental policy, human trafficking, development regulation, property rights, and property taxes, with the Speaker commending his contributions.
FL

Florida 2026 5th Special Session

FL House Floor Session - 2026-03-10 (11:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • You see, having served on a city commission with no term limits, and a county commission where I term-limited
  • Ryan Ryder, from commission aide to campaign photographer, Ryan made some of the best campaign ads the
  • Ryan Ryder, from Commission aide to campaign photographer, Ryan made some of the best campaign ads, the
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • This clarifies that the board or commission can promote an elected member of that body.
Summary: The House opened with prayer, a moment of silence for Army Sergeant Benjamin Pennington, the Pledge of Allegiance, and recognition of guests including law enforcement officers and several student visitors. The chamber then adopted the special order report and moved to the special order calendar, with members also approving the journal and establishing a quorum. Later in the day, the House paused for several introductions and farewell remarks, including extended closing speeches from Representatives Eskamani and Overdorf reflecting on their service, staff, constituents, and policy priorities. The House passed several bills, often after brief explanations and amendments. CS/SB 590 on the statute of limitations for failures to report child abuse was clarified to apply prospectively and passed 111-0. SB 418 on law enforcement interactions with individuals with autism spectrum disorder was amended to include House language and passed 111-0. CS/CS/SB 1668 on the Florida Birth-Related Neurological Injury Compensation Association (NICA) passed 112-0 after an amendment merging House and Senate provisions, and CS/SB 1246 on the linking industry to nursing education fund passed 112-0 after amendments expanding eligible contributions and program support. Additional bills approved included CS/CS/SB 1404 on memory care standards, CS/CS/SB 1030 on recovery residences, CS/CS/SB 422 on automatic dependent surveillance broadcasts for aviation safety, CS/CS/SB 598 on funeral, cemetery, and consumer services, and CS/CS/SB 178 on athletics in public K-12 schools, which would allow school coaches to use limited personal funds to support student-athletes with items such as food, transportation, and rehabilitation services, with parental consent added by amendment. Most of these measures passed unanimously or near-unanimously, with SB 422 passing 108-2. The House also heard debate on CS/CS/SB 1134, a bill restricting counties and municipalities from taking official actions related to DEI and limiting the use of public funds for DEI-related activities and contracts. Members questioned how the bill would affect local government practices, observances, and staff functions, and the sponsor explained several exceptions and enforcement provisions.
FL

Florida 2026 Regular Session

FL House Floor Session - 2026-03-10 (11:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • You see, having served on a city commission with no term limits, and a county commission where I term
  • Ryan Ryder, from commission aide to campaign photographer, Ryan made some of the best campaign ads the
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • This clarifies that the board or commission can promote an elected member of that body.
WY

Wyoming 2026 Regular Session

House Floor Session-Day 12, February 23, 2026-PM

Wyoming House Floor Meeting

Transcript Highlights:
  • We have a planning commission.
  • Senate File 105, Real Estate Brokers Duties and Disclosure Amendments. Ayes 31.
  • Senate File 105, Real Estate Brokers<03:55:38.840><c> Duties</c><03:55:39.240><c> and</c><03:55:39.360
  • ><c> Disclosure</c> Brokers Duties and Disclosure Brokers Duties and Disclosure Amendments.<03:55:40.960
NH

New Hampshire 2025 Regular Session

House Science, Technology and Energy (01/14/2025)

Science, Technology and Energy

Transcript Highlights:
  • And then we also work really closely with the Federal Energy Regulatory Commission, so throughout the
  • </c><00:41:12.040><c> so</c> Federal Energy Regulatory Commission so Federal Energy Regulatory Commission
  • The only other one I'm going to point out here is the Ozone Transport Commission that is established
  • It's actually our sister commission used to work closely with them.
  • As Eric mentioned, we are regulated by the Federal Energy Regulatory Commission, or FERC.
WA

Washington 2025-2026 Regular Session

House Appropriations Feb 5th, 2026 at 10:30 am

Appropriations

Transcript Highlights:
  • infection control grant account, the climate resiliency account, the Criminal Justice Training Commission
  • The Criminal Justice Training Commission firing range maintenance account, which might be one of the
  • Two of those with balances are the Criminal Justice Training Commission firing range account, which has
  • I’m Kathleen Weidemeyer with the Citizens Commission on Human Rights.
  • I'm Kathleen Weidemeyer with the Citizens Commission on Human Rights.
MN

Minnesota 2025-2026 Regular Session

Committee on Human Services - 04/07/25

Human Services

Transcript Highlights:
  • And if indeed the broker will save money, then dump that back into the rates.
  • and<01:55:07.040><c> if</c><01:55:07.199><c> indeed</c><01:55:07.520><c> the</c><01:55:07.679><c> broker
  • <01:55:08.080><c> will</c><01:55:08.239><c> save</c><01:55:08.480><c> money</c> and if indeed the broker
  • will save money and if indeed the broker will save money then<01:55:09.280><c> dump</c><01:55:09.520
MN

Minnesota 2025-2026 Regular Session

Committee on Commerce and Consumer Protection - 04/14/26

Commerce and Consumer Protection

Transcript Highlights:
  • It modifies provisions related to securities brokers, broker-dealers, and broker-dealer agents, and requires
FL

Florida 2026 4th Special Session

House in Session Mar 10th, 2026

Florida House Floor Meeting

Transcript Highlights:
  • You see, having served on a city commission with no term limits, and a county commission where I term-limited
  • Ryan Ryder, from commission aide to campaign photographer, Ryan made some of the best campaign ads the
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • The substitute amendment retains the ability of a board or commission to promote an elected member who
  • This clarifies that the board or commission can promote an elected member of that body.
Summary: The House convened with prayer, a moment of silence for Army Sergeant Benjamin Pennington, the Pledge of Allegiance, and quorum established. Members approved the journal and adopted the special order report setting the day’s calendar. The chamber also recognized Sheriff Mike Chitwood as law enforcement officer of the day and later held several introductions and farewell remarks, including lengthy closing speeches from Representatives Eskamani and Overdorf reflecting on their service and legislative priorities. The House then took up and passed a series of Senate bills, often after adopting House strike-all or conforming amendments. CS/SB 590 on mandatory child abuse reporting was clarified to apply prospectively only and passed 111-0. SB 418 on law enforcement interactions with individuals with autism was amended to incorporate House language, including blue-envelope provisions, and passed 111-0. CS/CS/SB 1668 on the Florida Birth-Related Neurological Injury Compensation Association (NICA) was amended to preserve House provisions and passed 112-0. CS/SB 1246 on the Linking Industry to Nursing Education Fund was amended to expand eligible health science programs and allow certain non-health-care contributions, then passed 112-0. CS/CS/SB 1404 on memory care passed 111-0. Later bills also advanced with broad support: CS/CS/SB 1030 on recovery residences passed 168-0 after debate over medication-assisted treatment; CS/CS/SB 178 on athletics in public K-12 schools passed 112-0 after amendments allowing limited coach support for student-athletes with parental consent; CS/CS/SB 422 on automatic dependent surveillance broadcasts passed 108-2; and CS/CS/SB 598 on funeral, cemetery, and consumer services passed 111-0 after an amendment on exclusive arrangements. The chamber then began debate on CS/CS/SB 1134, which would restrict counties and municipalities from official DEI-related actions and contracting practices. Members questioned its scope and exceptions, and Representative Gant offered an amendment to narrow the bill’s DEI definition; debate on that amendment was underway when the transcript ended.
FL

Florida 2026 Regular Session

FL House Floor Session - 2026-03-10 (11:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • You see, having served on a city commission with no term limits, and a county commission where I term-limited
  • Ryan Ryder, from commission aide to campaign photographer, Ryan made some of the best campaign ads the
  • This recommendation comes directly from the Florida Commission of Ethics, which concluded that gifts
  • The substitute amendment retains the ability of a board or commission to promote an elected member who
  • This clarifies that the board or commission can promote an elected member of that body.
Summary: The House convened with prayer, a moment of silence for Army Sergeant Benjamin Pennington, the Pledge of Allegiance, and quorum and journal business before taking up the special order calendar. Several bills were explained and moved through amendment and final passage, including CS/SB 590 on the statute of limitations for mandatory reporters’ child-abuse reporting violations, which was clarified on the floor to apply prospectively only and passed 111-0. CS/SB 418 on law enforcement interactions with individuals with autism spectrum disorder was amended to align with the House version and passed 111-0. The chamber also recognized Spina Bifida Week and guests in the gallery before considering additional measures. Members then passed CS/CS/SB 1668 on the Florida Birth-Related Neurological Injury Compensation Association (NICA), described as preserving the program’s actuarial soundness, by a 112-0 vote; CS/SB 1246 on the Linking Industry to Nursing Education Fund, expanded to support broader health science education programs and non-health-care partner contributions, by 112-0; CS/CS/SB 1404 on memory care facility standards by 111-0; CS/CS/SB 1030 on recovery residences, including transfer-of-ownership and MAT-related provisions, by 168-0; CS/CS/SB 178 on athletics in public K-12 schools, allowing limited coach support for student welfare with parental consent and other guardrails, by 112-0; CS/CS/SB 422 on automatic dependent surveillance broadcasts, limiting use of ADS-B data for airport billing, by 108-2; and CS/CS/SB 598 on funeral, cemetery, and consumer services, modernizing licensure and exclusivity rules, by 111-0. The House also took up CS/SB 1134 on official actions of local governments and DEI-related restrictions. The sponsor argued the bill would prohibit counties and municipalities from official DEI actions and related funding while preserving numerous exceptions for holidays, observances, public safety, and other activities. Members asked extensive questions about how the bill would affect local programs, events, and offices, and Representative Gant offered an amendment to narrow the bill’s DEI definition by removing two prongs; debate centered on vagueness, enforcement, and local-government impacts. The transcript cuts off during consideration of that amendment, so no final action on the bill is shown. The session also included lengthy farewell remarks from Representatives Eskamani and Overdorf, reflecting on their service, staff, constituents, and policy priorities.
CA
Transcript Highlights:
  • of Californians are signing up for, or hundreds of thousands, and we give them a list of 500 data brokers
CA
Transcript Highlights:
  • We give them a list of 500 data brokers with 17 data elements and say, peruse which, you know, tell us
Summary: The subcommittee heard presentations on several GovOps-related budget proposals, beginning with ongoing funding for the California Education Learning Lab. The Learning Lab described its intersegmental grants to UC, CSU, and community college faculty, including AI-related work and a math alignment project, and said the Governor’s proposal would move the program’s home agency to GovOps and restore $4 million annually. The Department of Finance supported the proposal as a way to improve coordination, while the LAO recommended rejecting it, arguing the projects are hard to scale, similar professional development already exists in the segments, and the state should consider saving General Fund dollars. Senators split on the value of the program, with some emphasizing innovation and intersegmental collaboration and others questioning its measurable long-term impact; the item was held open. The committee then reviewed the Office of Civil Rights proposal to implement AB 715 and SB 48 with $3.5 million in 2026-27 and $2.8 million ongoing. GovOps said the office had been set up administratively, positions were being recruited, and it would provide training, technical assistance, and complaint review related to anti-Semitism and other discrimination in TK-12 schools. The LAO had no concerns, but senators raised substantial questions about the office’s placement in GovOps, the lack of guidance while the laws are being implemented, the use of gubernatorial appointees, and whether the staffing structure matches the likely workload across different discrimination categories. GovOps said it would develop guidance, coordinate with CDE, and shift resources as needed once staff are hired, but several members said they were not prepared to support the item as presented; it was also held open. After public comment supporting the California Education Interagency Council, the subcommittee approved vote-only items 11 through 17 and 6 through 10. It then heard from the Office of Data and Innovation on a request for five positions and $1.25 million in reimbursement authority to expand digital service delivery work. ODI described projects such as reducing unauthorized EBT theft and forecasting community water system outages, and said it uses guardrails and contracts to protect sensitive data when working with vendor AI services. The LAO had no concerns, and members generally praised ODI’s small, high-impact role; the item was held open. Finally, the Department of Technology presented on the Middle-Mile Broadband Initiative, reporting that 423 miles are complete, more than 70% of the network has been permitted, and about 5,300 miles are expected to be completed by December 2026, with some work potentially slipping into 2027. CDT said Skyline Technology Solutions had been selected to operate the network and that the third-party administrator, Golden State Net, would continue to support development and later help oversee operations and sales. The LAO noted the project’s progress but raised concerns about the novel three-party structure, accountability, and long-term financial sustainability. Senators questioned the legal basis for the operator arrangement, the revenue outlook, reporting to the Legislature, and whether the network will be self-sustaining; CDT said it expects revenues to cover operations over time and will continue annual and quarterly reporting. The item was left open.
CA
Transcript Highlights:
  • Californians are signing” “Up for, or hundreds of thousands, and we give them a list of 500 data brokers
Summary: The subcommittee first heard a presentation on ongoing funding for the California Education Learning Lab. The Learning Lab described its intersegmental grant-making work with UC, CSU, and community college faculty, including projects on AI, math alignment, and open educational resources. The administration proposed moving the program’s administrative home from the Governor’s Office of Land Use and Climate Innovation to GovOps and restoring $4 million annually. The Department of Finance supported the proposal as a way to improve coordination, while the LAO recommended rejecting it, arguing the program is difficult to scale, overlaps with existing campus and segment-wide professional development, and could be wound down to save General Fund dollars. Senators split on the issue: some emphasized the program’s role in fostering innovation and cross-segment collaboration, while others questioned its measurable outcomes and whether it addresses problems rooted in K-12 preparation. The item was held open without a vote. The committee then considered funding for the new Office of Civil Rights within GovOps, created to implement AB 715 and SB 48. The proposal sought $3.5 million in 2026-27 and $2.8 million ongoing to staff the office, provide training and technical assistance to local educational agencies, and help track discrimination complaints through the Department of Education’s uniform complaint process. Finance said the office was being stood up administratively, but many positions were still unfilled; the LAO had no concerns and said the proposal simply implements recent legislation. Senators raised concerns about the office’s placement in GovOps, the lack of guidance while the office is not yet operational, the potential duplication with CDE processes, and whether staffing levels and coordinator roles match the volume and type of complaints. The department said it would adjust resources as workload becomes clearer and that first-year goals would include hiring staff, developing materials, and beginning outreach. The item was held open. After public comment and votes on several vote-only items, the committee heard from the Office of Data and Innovation on a request for five positions and $1.25 million in reimbursement authority. ODI said it uses data science, design, and engineering to improve state services, citing work on EBT theft detection and forecasting community water system outages. Finance had no comment, and the LAO supported the reimbursement model. Senators generally praised ODI’s small but high-impact role and asked about privacy safeguards for vendor AI tools; ODI said it uses state guardrails, enterprise contracts, and coordination with CDT to protect data. The item was held open. The Department of Technology then presented on the Middle-Mile Broadband Initiative, reporting progress on the 8,100-mile network, including 423 miles already complete and more than 70% permitted. CDT said it had selected Skyline Technology Solutions as operator and expected about 5,300 miles completed by December 2026, with some miles possibly slipping into 2027. The LAO noted most of the $3.8 billion appropriated has been encumbered, but raised concerns about the new three-party operating structure and long-term sustainability. Senators asked about accountability, the need for a two-year extension of liquidation authority, and whether revenues will cover operating costs. CDT said the extension is a precaution to allow for final reallocations if needed, that CDT retains ultimate responsibility, and that it expects the network to be self-sustaining over time through service revenues and lease arrangements. The department committed to continued reporting through annual reports, advisory committees, and briefings.
MO

Missouri 2026 Regular Session

Commerce Apr 15th, 2026

Commerce, Consumer Protection, Energy and the Environment

Transcript Highlights:
  • Mike Broker with Blacksmith Distillery, 10 miles out of town. Two other things to add.
Summary: The Commerce Committee first heard Senate Bill 1020, which would let the Department of Revenue award a Missouri license office contract without rebidding if no qualifying bids are received on the initial solicitation. Senator Sandy Crawford and Director of Revenue Trish Vincent said the change would help keep rural license offices open, reduce repeated bidding delays, and allow the department to work with local entities such as chambers, counties, or cities when smaller offices are hard to staff profitably. Members asked about the process, the challenges in low-volume communities, and whether more online services could eventually reduce the need for offices; no opposition testified, and the hearing concluded without a vote. The committee then took up House Bill 3093, which would extend Missouri’s direct-to-consumer shipping framework from wineries to distillers and breweries. Sponsor Rep. Nick Kimball and many supporters argued the bill would create parity for Missouri craft producers, preserve age-verification and signature requirements, and keep tax collection and other safeguards in place. Supporters included distillers and brewers who said the current system favors wine, limits small Missouri businesses, and makes it harder to reach customers who want products shipped after visiting a taproom or distillery. Several members also raised questions about enforcement, the three-tier system, and whether the bill could be narrowed or paired with other changes. Opponents, including representatives of wholesalers, grocers, convenience stores, and beer wholesalers, argued the bill would weaken the three-tier system, increase competition from out-of-state producers, and create enforcement and tax-collection problems. They said wine shipping has shown compliance and auditing difficulties, cited concerns about underage access and online ordering, and urged the committee to preserve the existing distribution structure or strengthen wine-shipping rules before expanding them. Supporters countered that alcohol shipments are already tightly regulated, that direct shipping is already occurring in other forms, and that the bill would simply add another regulated avenue for Missouri-made beer and spirits. The hearing ended after extensive testimony and questions, with no final committee action reported in the transcript.
ID

Idaho 2026 Regular Session

Mar 25th, 2026

Business

Transcript Highlights:
  • I'm a managing real estate broker and local housing policy expert.
Committee: House Business
AZ

Arizona 2026 Regular Session

03/16/2026 - Senate Finance

Senate Finance Committee of Reference

Transcript Highlights:
  • members, for the record, my name is Jen Harris, and I represent the Independent Insurance Agents and Brokers
Summary: The committee approved the March 9, 2026 minutes and held HB 29 and HB 2939 at the sponsor’s request. It then took up HB 2016, which would bar late-filing penalties when a taxpayer’s income tax liability is zero; after an amendment narrowed the bill to income tax filers, the Department of Revenue was neutral on the bill but supported the amendment, and members debated whether removing the penalty would reduce incentives to file. The committee adopted the amendment and returned HB 2016 with a do-pass recommendation on a 4-3 vote. The committee also heard HB 2289, which updates the property-value examples used in bond/override election pamphlets and truth-in-taxation notices from older low values to a $300,000 home example. The sponsor and Arizona Tax Research Association said the update would better reflect current home values and improve voter understanding, while some members argued the bill could confuse voters or that the second example should be closer to the current median home price. The committee passed HB 2289 on a 4-3 vote. Several bills related to school district bonding and agricultural property classification were then considered. HB 4103 would prohibit school districts from calling bond elections if enrollment is below 50% of capacity; supporters said districts should use or monetize excess space before seeking more debt, while school administrators and several senators argued it would block needed maintenance and local voter choice. HB 2104 and HB 2105 would give agricultural property owners a temporary reprieve from repeated reclassification and inspections after winning an appeal, with farm groups supporting the measures and county assessors opposing them as limiting oversight; both bills passed 4-3 after amendments. The committee also passed HB 2256 on a 7-0 vote, which creates a process for salvage auction dealers to obtain abandoned titles when insurers do not complete salvage title transfers, and HB 2979 and HB 2996 unanimously, addressing credit union regulatory timelines and clarifying that certificates of insurance do not alter policy coverage. Finally, the committee heard HB 2174 on insurance modeling organizations and HB 2477 on AZ 529 plan updates, with HB 2174 discussed at length over regulatory treatment of models and HB 2477 described as a conformity bill expanding K-12 and credentialing uses and rollover options.