Transcript Highlights:

• </c> on homes. on homes.
• primary home.
• </c> primary homes. primary homes.
• </c> their first home, their primary home. their first home, their primary home.
• </c><00:23:13.040><c> home,</c> a secondary home, a secondary home, they<00:23:14.240><c> definitely<

Bills: HB1743 , HB2122 , HB1756 , HB1837 , HB1729 , HB2559

Committee: House Housing

Summary: The House Housing Committee heard testimony on several housing-related bills. HB 1743 would expand the owner-builder exemption by repealing a leasing restriction and requiring notice when a leased residential structure was built by an unlicensed contractor. Subcontractors Association of Hawaii and the Contractors Licensing Board opposed the bill, warning it could encourage unlicensed contracting and weaken consumer protections, while Hawaii Realtors, Housing Hawaii’s Future, Grassroot Institute of Hawaii, BIA Hawaii, and others supported it as a way to increase housing flexibility. After questions about whether licensed electrical and plumbing work would still be required, the committee voted to pass HB 1743 with amendments and a defective date. The committee also heard and advanced HB 2122 HD1 on teacher housing, which would create a teacher housing assistance program using vouchers from the teachers housing revolving fund. Testimony included support from the Chamber of Commerce of Hawaii, Housing Hawaii’s Future, the Democratic Party of Hawaii Education Caucus, and individuals, with the Office of Collective Bargaining in opposition and the Department of Education offering comments. The bill was voted out as is. The committee then considered HB 1756 and HB 1837, both updating the individual housing account program to reflect current housing prices; supporters including Housing Hawaii’s Future and the Office of Hawaiian Affairs said the limits were outdated and needed inflation adjustments, and HB 1756 was passed with amendments while HB 1837 was deferred as nearly identical. HB 1729 would disallow the state home mortgage interest deduction for second homes. Hawaii Realtors opposed it, while Housing Hawaii’s Future supported it as a way to prioritize first-time homebuyers and reduce competition from second-home buyers. The chair noted a possible revenue savings estimate and the committee passed the bill with amendments, with several reservations. Finally, HB 2559 would prohibit real estate brokers from marketing residential property to limited exclusive groups of buyers, which the Office of Consumer Protection said needed an enforcement clarification and the Realtors said could affect some legitimate private-listing situations. The chair proposed replacing the outright ban with a disclosure requirement for private listings, and the committee passed HB 2559 with amendments. The hearing then adjourned after the chair thanked members, staff, and the public.

Transcript Highlights:

• ] This includes 3,897 homes in our Hurricane Irma program, 979 homes in our Hurricane Michael program
• is on permits a single-family home.
• This is a three-bedroom, two-bath home in Baker. [00:12:05.000] This is a three-bedroom, two-bath home
• Like all of our home reconstructions, this home includes resiliency measures such as impact doors and
• We're finishing more homes every week.

Committee: Senate Community Affairs

Summary: The Committee on Community Affairs met with a quorum and heard two bills, a confirmation, and two agency presentations. SB 48 by Senator Gates would require local governments to allow voluntary accessory dwelling units, preserve homestead exemption for the owner-occupied portion, limit parking restrictions, require 30-day minimum leases, extend density bonuses for military-family housing, and allow reusable tenant screening reports. The bill drew strong support from the Florida Association of Mortgage Professionals and several others, and it was reported favorably on a unanimous roll call. SB 34 by Senator Sharief would expand the Historic Cemetery Program, particularly to help historic African-American cemeteries preserve and maintain themselves by allowing sale of excess vacant land only if proceeds are used for long-term upkeep; it also passed unanimously and was reported favorably. The committee also recommended confirmation of Fox Henderson to the Florida Housing Finance Corporation Board of Directors by unanimous vote. In addition, the Department of Commerce presented on the Community Development Block Grant Disaster Recovery program and Rebuild Florida, describing more than $4.3 billion in HUD disaster recovery funds since 2017, housing repair and replacement efforts that have completed more than 5,200 homes, and infrastructure and mitigation projects across the state. Members asked about average project costs, contractor oversight, corrective actions for deficient work, and clawbacks from a prior vendor; Commerce said it had ended the earlier vendor relationship, imposed about $3.6 million in financial consequences, and now uses stronger oversight and competitive procurement for contractors. The Division of Emergency Management then presented on Elevate Florida, a federal mitigation program that allows homeowners to apply directly for elevation, reconstruction, acquisition, or wind-mitigation projects, with a 75/25 federal-homeowner cost share and no state funds used. Director Kevin Guthrie said the program is intended to reduce repetitive flood losses, keep homeowners in their communities, and serve as a national model; he reported more than 12,000 applications, about 1,500 prioritized for review, 500 on a wait list, and 305 submitted to FEMA for final approval. Members asked about assistance for seniors who cannot meet the 25% match, the wait-list process, contractor selection, and the mix of project types, and Guthrie said contractors were selected through competitive procurement and that most projects are elevations, though some may become reconstructions or acquisitions depending on inspection results. The committee adjourned after the presentations.

Transcript Highlights:

• , or home buyers of color.
• for homes under $300,000.
• </c> home ownership but now at 7% I mean home home ownership but now at 7% I mean home the<00:33:54.039
• home buyers.
• home buyers.

Committee: House Housing Finance and Policy

Transcript Highlights:

• , and the money goes back into the home for the next low- to moderate-income home buyer.
• We closed on 31 homes within six weeks, putting families in homes immediately and being able to take
• </c> and the money goes back into the home and the money goes back into the home for<00:25:42.640><c>
• </c> for the next low to moderate income home for the next low to moderate income home buyer. buyer.
• </c><00:26:18.080><c> by</c><00:26:18.400><c> giving</c> home the home buyers mortgage by giving home

Committee: Senate Housing and Homelessness Prevention

Transcript Highlights:

• In a recent analysis of these types of home-sharing programs, the majority of home providers aged 55
• Home-sharing programs.
• or return to their home after a stay at a nursing home or hospital.
• or return to their home after a stay at a nursing home or hospital.
• </c><00:38:01.160><c> or</c> home after a stay at a nursing home or home after a stay at a nursing home

Committee: House Housing Finance and Policy

Transcript Highlights:

• </c> a place called home. a place called home.
• </c> finance 50,000 new home buyers. finance 50,000 new home buyers.
• </c> opportunity to afford a home. opportunity to afford a home.
• </c> Starts at Home uh campaign. Starts at Home uh campaign.
• </c> starter home act. So, that's good, too. starter home act. So, that's good, too.

Transcript Highlights:

• Are you selling homes?
• How many homes have you not sold? Builders hate How many homes have you not sold?
• You saw the new home prices come down. So the home value really, really shot up.
• Home prices have gone up 45%, but the payment for your home has gone up 82%.
• Home prices have gone up 45%, but the payment for your home has gone up 82%.

Summary: The Committee on Community Affairs met with a quorum present and took up SB 122, which would repeal Chapter 205 on local business taxes while allowing municipalities to continue imposing a gross-receipts-based business tax on merchants. Senator Trumbull presented the bill for the sponsor, and committee members questioned what services local governments fund with local business tax revenue and whether the bill should be considered alongside broader property tax changes. County and city representatives opposed the bill, arguing that local business taxes are capped home-rule revenues used for general fund services such as public safety, zoning and licensure checks, economic development, and business support, and warning that repeal would shift costs to residential taxpayers and reduce local flexibility. Senator Shreve said he would vote no because of ongoing property tax discussions, while Senator Pizzo said he would support the bill but wanted clearer accounting of how the revenue is spent. The committee voted 5-1 to report SB 122 favorably. The committee then held a housing panel discussion focused on Florida’s housing shortage, affordability, and supply constraints. Dr. Samuel Staley said Florida is in a housing crisis driven largely by insufficient supply, arguing that the state needs roughly 100,000 additional units per year just to keep up with in-migration and that local planning systems often do not prioritize housing enough. He urged more emphasis on measurable impacts, streamlined permitting, accessory dwelling units, smaller lot sizes, and other market-responsive tools. Ann Ray of the Shimberg Center said Florida is seeing more single-family and multifamily construction but that production is concentrated in a handful of counties, while condo construction remains limited; she also noted that rents and home prices spiked sharply in the early 2020s and remain above pre-2020 levels, with nearly 905,000 low-income renters cost-burdened. Leslie Deutsch of John Burns Research said the national housing market is slow, Florida has a severe affordability problem, and builders are lowering prices and offering incentives but still face high land, labor, materials, and insurance costs. In committee discussion, senators focused on whether Florida should encourage more density, including townhomes, build-to-rent products, modular housing, and redevelopment of existing sites rather than relying on large new subdivisions. Members also discussed the role of local zoning, impact fees, density bonuses, and state incentives tied to housing targets. Several senators said Florida’s growth and affordability challenges require updating land development codes and planning for where future residents will live without overbuilding rural or environmentally sensitive areas. The chair closed by emphasizing that density can support affordability and that Florida should use existing footprints more efficiently.

Transcript Highlights:

• home, et cetera.
• home, et cetera.
• home, et cetera.
• In home care, we know that home care is the preferred setting for clients.
• Living at manufactured home communities.

Committee: Joint Joint Legislative Executive Committee on Planning for Aging and Disability Issues

Summary: The committee held what was described as its final meeting and began with introductions, then received updates on several long-term care and aging initiatives that originated from earlier J-LEC work. A presentation on the WA Cares Fund reviewed its development from a 2014 research project to implementation, including premium collection, expanded eligibility for near-retirees, portability, recent technical fixes, and the creation of a supplemental private insurance market. The presenter said the program is now largely in place and ready for future use, with benefits expected to go fully live next summer. The Dementia Action Collaborative also reported on its state plan, including Project ECHO dementia training, dementia-capable community pilots through area agencies on aging, and ongoing work on early detection, brain health, and caregiver support. Another DSHS presentation covered the Medicaid Transformation Project, including Medicaid Alternative Care, Tailored Supports for Older Adults, presumptive eligibility, and health-related social needs benefits such as rental assistance and nutrition support, with officials saying the waiver is likely secure until its 2028 renewal. The meeting then shifted to emerging issues from advocates and ombuds. The long-term care ombuds described persistent staffing shortages, concerns about low wages, the growing use of technology and surveillance in care settings, private equity ownership of facilities, and illegal or pressured discharges and evictions. The developmental disabilities ombuds focused on people with developmental disabilities who remain hospitalized without medical need, the need for better mental health and behavioral health access, and workforce training gaps for people serving this population. Disability Rights Washington urged more community-based supports to reduce repeated institutionalization, pointing to gaps in programs such as PACT, GOSH, and peer bridgers, and recommending those services be expanded and bundled at scale. Provider and workforce panels emphasized similar themes. Washington Health Care Association and LeadingAge Washington said assisted living and skilled nursing facilities face workforce shortages, Medicaid rates that lag behind costs, increasing client acuity, behavioral health needs, and discharge bottlenecks. They highlighted the need for more flexible care models, improved case management, and better reimbursement, including for complex behavioral health cases. Supported living providers reported high turnover, underfunding, and a successful pilot that used enhanced rates and added training to place 30 hard-to-serve individuals. SEIU 775 argued that the central problem across settings is the direct care workforce crisis, driven by low wages and inadequate benefits, and said rate increases must be tied more directly to worker compensation. DSHS closed by noting heavy reliance on federal Medicaid funding, ongoing pilots in training, transportation, remote caregiving, smart-home technology, and rental subsidies, and said future planning should shift toward a multi-sector state strategy after the committee sunsets.

Transcript Highlights:

• That home wasn't a party home.
• She can't sell her home and doesn't know exactly when she'll return, so operating her home as a short-term
• She can't sell her home and doesn't know exactly when she'll return, so operating her home as a short-term
• Our home was built in 1965.
• Our home has five bedrooms.

Committee: House Business

Transcript Highlights:

• What they do is bring in line the definition of nursing home and nursing home employers, which are slightly
• So because the term definitions nursing home and nursing home employers are slightly different, the first
• ><c> are</c><00:05:07.240><c> slightly</c> home employers which are slightly home employers which are
• And by the way, the closest non-Veterans Home to this particular nursing home is 80 miles away.
• And by the way, the closest non-Veterans Home to this particular nursing home is 80 miles away.

Bills: HF500 , HF718 , HF1096 , HF1246 , HF1469

Committee: House Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:

• their home.
• their home.
• We have homeowners who may have a primary home or a beach home, and maybe the beach home had damage,
• but not the primary home.
• or set of homes.

Summary: The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin. The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials. Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.

Transcript Highlights:

• </c> households are locked out of home households are locked out of home ownership<00:02:21.120><c> to
• </c><00:02:22.959><c> As</c> ownership to rising home prices. As ownership to rising home prices.
• </c> land trust homes. land trust homes.
• </c> everyone deserves to have a home. everyone deserves to have a home.
• </c> you know, market value on their home. you know, market value on their home.

Bills: HF3600 , HF3809 , HF3608

Committee: House Housing Finance and Policy

Keywords: housing, community land trusts, competitive development, development programs, Minnesota, HF3809, Minnesota eviction law, landlord-tenant, residential lease, minor child, children in eviction, eviction complaint, defendant prohibition, expedited eviction, expedited hearing, summary eviction, tenant protections, housing policy, civil penalty, nonwaivable lease terms

Transcript Highlights:

• The homes that had been strengthened under their program did much, much better than homes that had not
• </c> discounts on insurance rates for homes discounts on insurance rates for homes that<00:01:38.600>
• </c> you know, seniors who own their homes you know, seniors who own their homes have<00:01:52.760><c
• </c> homes, as well. homes, as well.
• </c> materials that would harden their homes materials that would harden their homes and<00:05:00.360

Transcript Highlights:

• I talked with a housing provider that has over 100 homes in Washington.
• of these homes, they're not sitting vacant.
• of these homes, they're not sitting vacant.
• of these homes, they're not sitting vacant.
• these homes.

Committee: House Housing

Transcript Highlights:

• </c> build the homes that they want. build the homes that they want.
• . home. home.
• </c> to the price of a single home. to the price of a single home.
• </c> starter homes is driving up home prices. starter homes is driving up home prices.
• </c> to even save for a home. to even save for a home.

Transcript Highlights:

• placed on lots zoned for single-family homes and multisection manufactured homes that are at least 800
• Under current law, manufactured homes are treated the same as stick-built homes in placement.
• Manufactured homes are treated the same as stick-built homes in placement.
• We are simply lowering the square footage requirements for homes to allow for smaller manufactured homes
• With a single-section home.

Committee: Senate Local Government and Taxation

Transcript Highlights:

• Like you build a home, a new home, and they could probably hold strong for about 100 years, maybe 120
• Is that something that you're also kind of thinking about, as some of these homes, many of these homes
• I live in a manufactured home too.
• We applaud ...home for affordable homeownership, production, and home preservation.
• how we're even able to build Habitat homes in such expensive environments, and that is Cal Home.

Transcript Highlights:

• Oak Point is a 55-and-over manufactured home community.
• Act to support movable tiny homes.
• How do you pay taxes on a movable tiny home?
• Allowing more homes of all shapes, sizes, and types, including legalizing movable tiny homes, will make
• That's what we paid to rent a piece of land on which we put our homes, and we own the homes.

Committee: Joint Joint Committee on Housing

Summary: The Joint Committee on Housing held a hearing on a wide range of housing bills focused on manufactured housing, condominiums, public housing, tiny homes, and protections for elderly and disabled residents. Chairs Haggerty and Cyr opened by emphasizing the importance of these housing types and the need to hear from many speakers. Testimony on manufactured housing was especially extensive and sharply divided. Supporters of bills such as H. 1475, S. 990, and H. 1513 argued that out-of-state corporate owners are buying communities, raising rents and fees, reducing services, and exploiting legal gray areas. Residents and lawmakers from affected communities like Taunton, Middleborough, Attleboro, and Oak Point described steep rent disparities, fear of displacement, and the need for stronger protections, while Representative Hawkins urged an omnibus approach and said the bill would create a local board to ensure compliance with existing law. Opponents, including the Massachusetts Manufactured Housing Association and Hometown America’s counsel, argued that current law already provides protections, that the bills would create uncertainty or unfairly restrict owners, and that H. 1475 was intended to clarify the post-Blake legal landscape. The committee also heard testimony on condominium reform through S. 980, with owners describing lack of transparency, surprise assessments, and limited accountability, and urging updates to Chapter 183A and more owner rights. Public housing bills also drew support from housing authority advocates. MassNAHRO backed S. 955, H. 1517, H. 1512, H. 1550, and H. 1551, saying housing authorities need more flexibility to preserve and expand affordable housing. Witnesses supported tax relief for replacement public housing units and streamlined procurement rules, arguing these changes would help projects move faster and make better use of capital funds. Committee members asked questions about PILOT agreements, tax treatment of new developments, and whether state and federal public housing would be treated similarly. The committee also heard from Senator Lovely and advocates for S. 1007/H. 1525, which would prevent and respond to bullying of elderly and disabled residents in housing. Supporters described the bills as a long-needed response to harassment in senior and public housing, calling for building-level plans, staff training, and AG oversight; Jerry Halberstadt said the measure should be strengthened with enforcement and tenant advocacy support. Pamela and other witnesses described severe personal impacts from bullying and management retaliation. Another major topic was S. 1474/H. 1474 on movable tiny houses as permanent dwellings and accessory dwelling units. Supporters, including Representative DeCoste, Vera Struck, Kaylee DeCrease, and Abundant Housing Massachusetts, said tiny homes are a safe, affordable, sustainable option for seniors, workers, and others facing the housing shortage, and urged the committee to legalize them and align state rules with emerging standards. They also discussed tax classification and the need for a clear building code and DMV category. Finally, H. 1476 on pet-friendly elderly housing drew support from animal welfare groups, who said the bill would restore and modernize a prior pet program, expand access across state-aided housing, limit pet deposits, and reduce pet surrender caused by housing barriers. No votes were taken during the hearing; the committee primarily received testimony and questions on the bills.

Transcript Highlights:

• Because we had a lot of homes.
• In my area, I remember homes where... ...of those homes went up quite a bit.
• Manufactured homes started out with the older term 'mobile homes,' even though most of them are not mobile
• But for every home built after 1980, which represents more than 50% of California's mobile home stock
• 95% of manufactured homes per our own Board of Equalization have shown that these homes are not moving

Summary: The committee heard presentations on several bills. SB 1091, by Senator Kavayetal, would create the Community Anti-Displacement and Preservation (CAP) program within HCD to provide financing and technical support for nonprofit and local efforts to acquire unsubsidized rental housing and preserve it as affordable housing or homeownership opportunities. Supporters, including Enterprise Community Partners, the Unity Council, and several housing and tenant groups, said preservation is a fast, cost-effective way to prevent displacement and homelessness. Members discussed funding, with the author and chair noting the program is intended to be funded through housing bond legislation and would be implemented upon appropriation. The bill was moved on a due-pass motion to Judiciary and passed out of committee. SB 904, by Senator Seyarto, would codify and expand the state’s coordinated wildfire recovery response by requiring HCD and other agencies to identify permitting and code barriers after future state-of-emergency wildfires and report on ways to speed rebuilding. The author cited the faster permitting response after the Los Angeles fires compared with the Camp Fire. Some members supported the goal but raised concerns about repeated reports and the burden on smaller jurisdictions; the author said the bill is meant to avoid reinventing the wheel and to streamline recovery. The committee noted the bill is fiscal and would go to Appropriations, and it was reported out with sufficient votes. SB 1007, by Senator Menjivar, would increase transparency and limit assessment growth in homeowners associations by requiring clearer disclosure of HOA finances and violation evidence, and by replacing the current 20% annual assessment increase ceiling with a cap tied to inflation, with possible amendments still under discussion. Supporters, including consumer and homeowner advocates, said the bill would help protect homeowners from steep fee hikes and opaque budgeting. Opponents from HOA management and industry groups argued the bill could undermine reserve funding, delay maintenance, and create more special assessments, while also adding duplicative disclosure requirements. Members debated whether the bill would protect homeowners without harming HOA finances; the author said he would continue negotiations and that the bill would look different in the next committee.

Transcript Highlights:

• So home equity sharing agreements are also known as home equity investments or home equity agreements
• . 15% of the home value at origination, right?
• Because, as you can imagine, the home needs to depreciate a lot for 30% of the home value to be worth
• ... ...home mortgage, home equity, reverse mortgage product.
• But Blue's home started in Washington.

Summary: The committee first held a work session on cryptocurrency kiosks, with the Department of Financial Institutions and Spokane City Council describing how virtual currency kiosks operate, where they are located in Washington, and the rapid growth in transaction volume. DFI said the machines are being used heavily in scams, especially against older and vulnerable consumers, and cited FBI fraud data showing substantial losses. DFI outlined possible consumer protections in pending legislation, including stronger disclosures, a $1,000 daily transaction limit, and a fee cap. Spokane City Council described its unanimous ordinance banning new kiosks and requiring removal of existing ones, citing local scam reports and the difficulty of recovering funds once they are sent through crypto wallets. Committee members asked about how the machines are used, whether the hardware itself is vulnerable, and whether stronger warnings or screening requirements could help. The committee then reviewed home equity sharing agreements, or CHISAs/HESAs, following a legislative report. The report’s author said these products provide homeowners a lump sum in exchange for a share of future home value or appreciation, with no monthly payments, but can be difficult for consumers to understand and can produce highly variable settlement costs. The report found the market has grown quickly in Washington, that many consumers using the products had financial hardship, and that many did not fully understand how settlement amounts were calculated. DFI said it views the products as mortgage-like and is moving forward with rulemaking, including counseling and clearer disclosures. Industry representatives said the products are equity-based rather than debt-based, support access to home equity for people who may not qualify for traditional loans, and said they are working with DFI on standardized disclosures, counseling, and annual settlement estimates. Senators raised concerns about consumer understanding, cost caps, and whether the products should be treated as mortgages under state law. In the final work session, the committee heard an overview of Washington’s space economy from Amazon Leo, Blue Origin, Stoke Space, Space Northwest, and Green River College. Speakers highlighted major investments in Washington facilities, manufacturing, testing, and workforce training, and described the state as a hub for aerospace and satellite activity. They emphasized job creation, supply-chain spending, and education partnerships, including technician certification and apprenticeship-style programs. Several speakers urged the legislature to expand tax incentives to include space companies, support grants and workforce programs, and consider a state space commission or similar long-term coordination effort. The committee thanked the presenters and noted time constraints before ending the hearing.