Video & Transcript : 'predatory funding' :
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TX
Texas 89th 2nd C.S.
Licensing & Administrative Procedures Apr 1st, 2025
Licensing & Administrative Procedures
Transcript Highlights:
- gallons of Texas wine per year, um, contribute to the fine, to the farm winery marketing assistance fund
- Uh, these funds are matched with grants and private donations to multiply the impact.
- This bill aims to address the all too common practice of predatory booting.
- Reports of predatory booting have extended to parents dropping their children off at elementary schools
- Um, I'm representing myself and I am here to support the bill to better regulate predatory booting.
Committee:
House Licensing & Administrative Procedures
TX
Texas 89th Regular
Licensing & Administrative Procedures Apr 1st, 2025
Licensing & Administrative Procedures
Transcript Highlights:
- Additionally, it will contribute to the Farm Winery Marketing Assistance Fund.
- These funds are matched with grants and private donations to multiply the impact with honor.
- This bill aims to address the all-too-common practice of predatory booting.
- Predatory booting occurs when a vehicle parks in an unauthorized spot. ...and a boot is placed on the
- I am here to support the bill to better regulate predatory booting.
Bills:
HB589 , HB705 , HB1842 , HB1874 , HB2349 , HB2614 , HB2827 , HB3012 , HB3214 , HB3308 , HB3385 , HB3529
Committee:
House Licensing & Administrative Procedures
Keywords:
cosmetology, licensure, interstate compact, state regulations, public safety, workforce mobility, charitable raffles, nonprofit, wildlife conservation, ticket sales, fundraising, master electrician, electrical work, occupational licensing, work scope, Texas law, Texas Real Estate Commission, TREC, real estate broker, sales agent
NJ
New Jersey 2026-2027 Regular Session
Assembly Appropriations Jun 23rd, 2026
Transcript Highlights:
- UI fund at one time, was very, very...
- Funds such as, I’ll give you an example, the UI fund at one time, was very healthy and stable.
- Schools, their funding formulas are strained.
- As we've shifted from deficit-funded services to Medicaid-funded services, we're more worried about reimbursement
- Lastly, we see clarification on the funding level.
MO
Missouri 2026 Regular Session
Special Committee on Tax Reform Feb 26th, 2026
Special Committee on Tax Reform
Transcript Highlights:
- And it goes to the school fund.
- And it goes to the school fund.
- Are there some predatory firms out there? There are.
- And so that's another example of just funding instability.
- So the timing of when their state funding would hit versus when their tax funding would hit, this is
Committee:
House Special Committee on Tax Reform
Summary:
The Special Committee on Tax Reform met in executive session and first adopted a substitute and then gave do pass recommendations to H.J.R. 115, which would align homestead language with the Senate version by changing the acreage limit from 2.5 acres to 5 acres, and to HB 2869, which was amended to tie a $500,000 threshold to CPI and use assessed value rather than market value. The committee also voted HB 3303 do pass without amendment after brief discussion about its purpose and potential tax implications.
In regular hearing, the committee heard HB 2234 from Rep. Tricia Burns, which would change how surplus proceeds from tax foreclosure sales are handled. Burns and witness Tamara Rucker explained that when a home is sold for more than the delinquent taxes owed, the surplus can currently escheat to county revenue after three years; the bill would move those funds to the unclaimed property division and improve notice to property owners or heirs. Members discussed how the process works, the lack of uniform notification and payout standards, and the amount of surplus involved in some counties. No opposition testified.
The committee also heard HB 2964, another bill from Rep. Burns, to move property tax bill mailing and delinquency dates later in the year, from early December/January to late February/April. Burns said the change would ease hardship around the holidays and help seasonal residents. Testimony from the Missouri School Boards Association raised concerns that districts would need to carry an additional 60 to 90 days of reserves, or roughly 15 to 20 percent more, to bridge the delayed revenue, though the witness said the impact would vary by district. The hearing concluded with no further business, and the committee adjourned.
CA
California 2025-2026 Regular Session
Assembly Banking and Finance Committee Jul 7th, 2025
Transcript Highlights:
- It's ones that are financed, but this specific kind of door-to-door, direct contractor-funded loans.
- The loan also has to be one where the funds are released directly to the contractor.
- So, you know, if a consumer is going into a bank to get funding in that bank's place of business, it
- I really do believe that this bill will have a real impact for Californians regarding these predatory
- Blanca Rubio, aye. predatory practices.
Summary:
The Assembly Banking and Finance Committee met to hear several bills focused on consumer and small business financial protections. SB 97, by Senator Grayson, would update and clarify California’s digital financial assets law; supporters from the blockchain industry and consumer groups said it would improve compliance clarity while preserving room to align with possible federal action. The committee passed SB 97 on a due-pass motion to the Privacy and Consumer Protection Committee, with the roll left open for absent members.
The committee also heard SB 362, which would strengthen disclosure rules for small business financing by requiring clearer pricing information throughout the marketing process. Supporters said the bill would help small businesses compare offers and avoid harmful financing, while some industry groups objected to the bill’s treatment of communications and APR disclosures during negotiations. After discussion, the committee passed SB 362 to the Judiciary Committee, with several members voting aye and the roll left open.
SB 784, a bill addressing predatory home-improvement and solar financing practices, drew extensive testimony. The author and supporters described scams targeting seniors, low-income homeowners, and non-English speakers, and said the bill would add safeguards such as confirmation calls, document access, fee transparency, and longer cancellation periods. Solar industry groups moved to neutral after amendments, while banks and other lenders raised concerns about overbreadth and impacts on legitimate lending. The committee passed SB 784 to Judiciary, with some members not voting or changing votes during the roll call.
Finally, SB 825 sought to give the Department of Financial Protection and Innovation clearer authority to enforce existing consumer financial protection laws against its licensees, especially in light of reduced federal CFPB enforcement. Supporters argued California needs independent state enforcement tools, while banking and mortgage groups opposed the bill as duplicative and unnecessary, urging coordination with federal regulators and proposing narrower amendments. The committee passed SB 825 to Appropriations on a due-pass vote, and then adjourned after completing the agenda.
ID
Transcript Highlights:
- This has to do with airborne control of predatory animals.
- Predatory animals include coyotes, wolves, and red foxes.
- It's dedicated funds. The producers pay into it.
- It's dedicated funds. The producers pay into it.
- And, you know, 100% funded by dairy producers.
Committee:
Senate Agricultural Affairs
MN
Minnesota 2025-2026 Regular Session
Improving Housing Affordability and Fraud Protections | Senator Zach Duckworth May 29th, 2026
Minnesota Senate Floor Meeting
Transcript Highlights:
- . >> During the committee, you also started off by talking about how predatory lending doesn't belong
- Not a means at all for any lenders to be predatory or take advantage of folks in Minnesota.
- </c> off by talking about how predatory off by talking about how predatory lending<00:03:45.760><c> doesn't
- </c><00:04:11.040><c> or</c><00:04:11.200><c> take</c> lenders to be predatory or take lenders to be
- </c> bill has nothing to do with predatory bill has nothing to do with predatory lending<00:04:16.639
Summary:
The discussion focused on two Minnesota Senate bills authored by the senator: Senate File 4168 and Senate File 4652. SF 4168 would give buyers of investment properties more flexibility in financing, including the ability to roll certain closing costs and lender fees into the loan, with the senator emphasizing that the measure is limited to investment properties and is not intended for primary residences. He stressed that the bill is meant to provide options, not force borrowers into any particular structure, and repeatedly distinguished it from predatory lending, saying it has nothing to do with fraudulent or abusive mortgage practices.
SF 4652 addresses fraud prevention at banks by allowing account holders to designate an additional contact person who can be notified if a bank suspects suspicious activity and cannot reach the account owner. The senator described it as a common-sense, no-cost, anti-fraud measure aimed at early detection and protecting both banks and customers. He said fraud is a widespread problem and that the bill would help institutions act quickly when something appears wrong.
The senator said both bills moved quickly because he wanted to get them heard and passed this session, and he noted that he was the sole author on each. He said the bills passed unanimously in both the Senate and the House. In broader comments, he credited bipartisan relationships and committee cooperation for helping the bills advance, and said the session showed House-Senate collaboration on practical legislation, with more political items being pushed toward compromise and further discussion.
LA
Transcript Highlights:
- What we’ve seen is that these predatory door knockers, they go door-to-door.
- I think by the time I got through civil service and funding to put on...
- If this were to go into effect, I think by the time I got through civil service and funding to put on
- What happened to them not that long ago, where a predatory contractor showed up after a disaster and
- I was just wondering if Louisiana's Department of Economic Development are looking for our funds.
Committee:
House Commerce
Keywords:
home inspectors, board membership, licensing, term limits, Louisiana State Board, utility, reimbursement, overcharges, consumer protection, economic relief, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, unfair trade practices, advertising disclosures, total price, service fees
HI
Transcript Highlights:
- There are different types of funding sources, and based on those funding sources there may be special
- sources and based on those funding sources and based on those funding<00:23:38.480><c> sources</c><00
- </c> on how those funds are used. on how those funds are used.
- So if legislature funds things we can fund things that are not in the contract for paying because this
- The federal funds this bill would allow us to apply for a Section 1906 grant would fund the training
Bills:
HB1977 , HB1764 , HB1934 , HB2533 , HB1790 , HB2181 , HB1870 , HB2140 , HB2468 , HB2358 , HB1588 , HB1688 , HB1986 , HB2030 , HB2195 , HB1949 , HB1695 , HB1950 , HB2094 , HB2115 , HB2297 , HB2336 , HB2416 , HB2049
Committee:
House Finance
Keywords:
maternal health, infant health, mobile application, Medicaid, healthcare access, state programs, music education, public concerts, Hawaii State Library, cultural collaboration, music accessibility, libraries, education, reading programs, early childhood, nonprofit, community engagement, teacher retention, Hawaiian language education, special needs schools
HI
Transcript Highlights:
- </c> that funding specifically for tutoring. that funding specifically for tutoring.
- </c> is the last year of the SNAPED funding. is the last year of the SNAPED funding.
- medical services special funds.
- </c> can affect the funding for these groups. can affect the funding for these groups.
- </c> 63% funded. Um so we have a ways to go. 63% funded. Um so we have a ways to go.
Bills:
HB1977 , HB1764 , HB1934 , HB2533 , HB1790 , HB2181 , HB1870 , HB2140 , HB2468 , HB2358 , HB1588 , HB1688 , HB1986 , HB2030 , HB2195 , HB1949 , HB1695 , HB1950 , HB2094 , HB2115 , HB2297 , HB2336 , HB2416 , HB2049
Committee:
House Finance
Keywords:
maternal health, infant health, mobile application, Medicaid, healthcare access, state programs, music education, public concerts, Hawaii State Library, cultural collaboration, music accessibility, libraries, education, reading programs, early childhood, nonprofit, community engagement, teacher retention, Hawaiian language education, special needs schools
TX
Bills:
SB8 , SB4 , SB43 , SB1 , SB2 , SB13 , SB6 , SB10 , SB16 , SB8 , SB4 , SB43 , SB1 , SB2 , SB13 , SB6 , SB10 , SB16
Keywords:
education, accountability, public school assessment, state law, transparency, intervention, performance ratings, Texas congressional redistricting, U.S. House districts, congressional map, redistricting, gerrymandering, 2020 Census, census tracts, block groups, voting districts, election law, Texas House of Representatives districts, federal congressional districts, 2026 elections
TX
Transcript Highlights:
- House Bill 4473, and we're going to pull it from the Subcommittee on Transportation of Funding.
- Yeah, House Bill 4905 is. is by Representative Perez that makes the Ship Channel Fund a separate account
- Improvement fund separate from the State Highway Fund instead of general revenue. Thank you.
- The substitute keeps it in the general revenue, it keeps the SCRF in the general revenue fund and exempts
- Members, this is the bill we heard previously that is related to the selection, prioritization, and funding
Bills:
HB137 , HB283 , HCR114 , HB137 , HB283 , HB1398 , HB1960 , HB2153 , HB2431 , HB2638 , HB2699 , HB2999 , HB3208 , HB3389 , HB3413 , HB3510 , HB3642 , HB3859 , HB3974 , HB3986 , HB4142 , HB4173 , HB4174 , HB4542 , HB4605 , HB4663 , HB4731 , HB5064 , HB5216 , HB5218 , HB5332 , HB5453 , HB5577
Committee:
House Transportation
Keywords:
state budget, fiscal biennium, budget repeal, financial management, state funding, Medicaid, healthcare access, Affordable Care Act, federal funding, low-income individuals, insurance coverage, memorial, pedestrian bridge, Houston, Sergio Ivan Rodriguez, city council, oversize vehicles, transportation permits, Hidalgo County, port authority
TX
Transcript Highlights:
- have passed unanimous resolutions asking for this designation, and they are working with locals to fund
- She secured critical funding for roads, rail, and airports that moved our communities forward. ...region
- Obviously, no state funds will be used in the signage; it is paid for through private donations.
Bills:
HCR114 , HB137 , HB283 , HB1398 , HB1960 , HB2153 , HB2431 , HB2638 , HB2699 , HB2999 , HB3208 , HB3389 , HB3413 , HB3510 , HB3642 , HB3859 , HB3974 , HB3986 , HB4142 , HB4173 , HB4174 , HB4542 , HB4605 , HB4663 , HB4731 , HB5064 , HB5216 , HB5218 , HB5332 , HB5453 , HB5577 , HB137 , HB283
Committee:
House Transportation
Keywords:
memorial, pedestrian bridge, Houston, Sergio Ivan Rodriguez, city council, oversize vehicles, transportation permits, Hidalgo County, port authority, highway routes, healthcare, insurance, mental health, treatment access, state funding, transportation, axle weight, aggregates, regulations, Texas law
TX
Transcript Highlights:
- Second, our law students and the legal system benefit when we fund access to justice.
- through legal defense funds, which would be banned by this bill.
- ...funds for this kind of representation? How would your bill impact that position?
- , you know, property tax reductions, fund the local police, or fund roads, that they diverted this money
- In addition to that, if you abuse those funds, the federal government has...
Bills:
HB256 , HCR19 , HB256 , HB1308 , HB1554 , HB1743 , HB2308 , HB2351 , HB2858 , HB3676 , HB3784 , HB4312 , HB4552 , HB4823 , HB4852 , HB5007 , HB5010 , HB5520 , HB5524 , HCR19
Committee:
House State Affairs
Keywords:
severe weather, adaptation plan, vulnerability assessment, environmental protection, state agencies, federal agents, transparency, law enforcement, identification, public trust, immigration enforcement, HCR 19, Texas concurrent resolution, federal immigration enforcement, masked agents, facial coverings, visible identification, uniforms, badges, name tags
TX
Transcript Highlights:
- So this could unintentionally capture. investments through a fund where our company has no even access
- It loves the cheapest funds it can find. Right, exactly. Say your name just really quick.
- Would you be amenable to funding, creating funds?
- for us to do that as a and that funds need to go into communities to support these kind of, would you
- And then when the recommendations come in, I'm happy to include funding now if we can.
Bills:
HB256 , HB1308 , HB1554 , HB1743 , HB2308 , HB2351 , HB2858 , HB3676 , HB3784 , HB4312 , HB4552 , HB4823 , HB4852 , HB5007 , HB5010 , HB5520 , HB5524 , HCR19 , HB256 , HCR19
Committee:
House State Affairs
Keywords:
E-verify, employment verification, illegal employment, state contracts, government entities, license suspension, immigration compliance, state grant funding, E-Verify, compliance, penalties, immigration, government contracts, employee status, state contractors, E-verify program, legally present, employment practices, legal services, public money
MN
Transcript Highlights:
- We have applied for other funding.
- There's not funding available through the utility Street and Alley funding process.
- There's not funding available through the utility Street and Alley funding process.
- Our funds are locked up in the PFA right now, so we need those funds.
- PFA right now, so we need those funds unlocked through the revolving fund.
Bills:
HF220 , HF230 , HF240 , HF241 , HF295 , HF429 , HF490 , HF505 , HF574 , HF576 , HF581 , HF865 , HF918 , HF1085 , HF1449 , HF1452 , HF1454 , HF602
Committee:
House Capital Investment
Keywords:
HF220, Minnesota transportation, highway user tax distribution fund, trunk highway fund, Minnesota Department of Transportation, MnDOT, transportation finance, dedicated funds, funding restrictions, arts in transportation, cultural strategies, transportation project planning, project design, project construction, placemaking, public art, infrastructure spending, state statutes 161.045, HF230, Wyoming
MN
Minnesota 2025-2026 Regular Session
Conference Committee on H.F. 4188 - Omnibus Commerce and Consumer Protection - Part 2 - 05/12/26
Transcript Highlights:
- </c> Fund, or as we call it, CIPRA. Fund, or as we call it, CIPRA.
- </c> some level of payment from the fund. some level of payment from the fund.
- </c><00:30:12.960><c> casino</c> to ban deceitful and predatory casino to ban deceitful and predatory
- What happens to the difference between those funds?
- </c> difference between those funds? difference between those funds?
Summary:
The committee heard public testimony on a health insurance/home care nursing provision and on other consumer protection items. Nick Keis and Emily Walters, both parents of medically complex children, testified that commercial health plans had recently begun capping home care nursing as if it were intermittent home health visits, which they said was contrary to Minnesota law and legislative intent dating to 2010. They described severe impacts on their families, including hospitalizations, loss of nursing coverage, strain on waiver budgets, and the risk of children being forced out of the home and into institutions. Representative Bierman echoed that the bill was a straightforward clarification of existing law, not a new mandate or added cost, and a staff member later cited the statutory definition of home care nursing as ongoing, continuous nursing services that cannot be met through intermittent or visit-based care. The committee also discussed the practical difference between home health visits and private duty/home care nursing, with testimony emphasizing that the latter is medically necessary, assessed, and not unlimited in practice.
Laura Sales of the Minnesota Attorney General’s Office testified on changes to the Consumer Protection Restitution Fund (CIPRA). She said the fund has begun distributing restitution, starting with consumers harmed by the closure of Woodbury Dental Arts, but that current statutory language limits the office’s flexibility to prorate payments. She asked for an amendment allowing the AGO to distribute available funds more equitably so more eligible consumers can receive some payment, rather than requiring full payment to the oldest claims first.
Annette Meeks, representing Citizens Against Gambling Expansion, testified in support of banning sweepstakes gambling in the Commerce Committee omnibus report. She argued that online sweepstakes casinos are an illegal gray-market form of gambling, cited rapid growth and billions in revenue, and said other states have acted through enforcement and legislation to stop them. She urged the committee to include language from Senate File 4474 to clarify state law and prohibit sweepstakes gambling. No votes were taken in the portion of the meeting shown; members mainly asked questions and received testimony.
CA
California 2025-2026 Regular Session
Assembly Banking and Finance Committee Jul 7th, 2025
Banking and Finance
Transcript Highlights:
- But this specific kind of door-to-door, you know, direct contractor-funded loans, there's two ways that
- The loan also has to be one where the funds are released directly to the contractor.
- So if a consumer is going into a bank to get funding in that bank's place of business, it doesn't fall
- For the type of predatory lending we're seeing, if we exempted vendors whose marketing is not primarily
- For Californians regarding these predatory practices, I want to commend your tenacity throughout these
Committee:
House Banking and Finance
AZ
Arizona 2026 Regular Session
03/31/2026 - Senate Appropriations, Transportation and Technology
Transcript Highlights:
- Compensation Fund.
- And so it's not even clear that they need these funds.
- So right now we're relying on federal funding, and if there is any funding through the court system that
- So if the jobs promised don't appear, can funds be reined back in?
- There are predatory practices that happen at that point.
Summary:
The committee heard House Bill 2615, as amended by a strike-everything amendment creating an Independent Oversight Committee on the Department of Child Safety with 15 members, authority to review DCS data and practices, request briefings and audits, conduct site visits, and receive confidential complaints, with a $2.2 million FY 2027 appropriation. The sponsor and several parents and foster/adoptive caregivers testified in support, describing child safety failures and arguing for independent accountability, while some members questioned whether the Ombudsman’s office was the right home for the committee and suggested other oversight structures. The amendment was adopted, but the bill itself failed on a 5-5 vote.
House Bill 2620, which would appropriate $300,000 annually from FY 2027 through FY 2031 to the Arizona Department of Veterans Services for grants to emergency shelters serving veterans, received strong support from the sponsor and shelter advocates who said the funding would help move homeless veterans toward stable housing and connect them with VA services. Members emphasized veterans’ service and the need for trauma-informed case management, and the bill passed with a 10-0 do-pass recommendation. House Bill 2321, requiring DCS to place and later remove a credit freeze for children in care to prevent identity theft, also passed unanimously after the sponsor and members discussed the administrative process and protections for foster youth.
The committee then considered House Bill 2601, directing ADOT to seek federal segmentation for the Interstate 11 project between Casa Grande and Wickenburg so environmental review could proceed separately from litigation affecting the southern portion. Supporters framed the bill as a bipartisan way to keep the project moving, while opponents from environmental groups and several members argued it would encourage sprawl, harm desert habitat, and add cost and delay; the bill passed 6-4. House Bill 2992, a pilot program for child sexual abuse and grooming awareness education in six public schools, drew testimony from a trafficking survivor and others who supported prevention efforts, but some members argued the topic should be handled through broader sex education or parent education; it passed 6-4. Later bills also advanced: HB 2156, appropriating $250,000 to the Livestock Compensation Fund, passed 7-3; HB 2165, exempting certain veterans and National Guard members from state park admission fees, passed 6-4 after amendment narrowing the exemption; HB 2960, creating a veterans specialty court grant program and related data-sharing requirements, passed 8-0; HB 2014, directing studies on gasoline blends and fuel feasibility amid EPA waiver concerns, passed 6-2; and HB 2957, preserving non-Real ID licenses and limiting biometric/data retention with a Kavanaugh amendment, passed 5-4-1.
OK
Transcript Highlights:
- This sets up a revolving fund at the Department of Health for Ivocasearch.
- It has been changed by the original date of November 2027 before any funds would be expended on retirement
- So this would be a totally separate program or funding. It would have no connection.
- But this bill would be state-funded if the soldiers are. Thank you.
- So this would be a totally separate program or funding. It would have no connection.
Bills:
HB2947 , HB3257 , HB3264 , HB3834 , HB3940 , HB3944 , HB3979 , HB4003 , HB4118 , HB4326 , HB4346 , HB4421
Committee:
Senate Appropriations
Keywords:
behavioral health, Medicaid expansion, clinical interns, mental health services, licensing requirements, veterans, disability benefits, federal law, Oklahoma Statutes, military service, criminal justice, minimum sentences, parole eligibility, violent crimes, Oklahoma statutes, HB3834, Oklahoma Breakthrough Therapy Act, ibogaine, ibogaine-based therapeutics, ibogaine analogs