Video & Transcript : 'Overdraft Lending' :

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MN

Minnesota 2025-2026 Regular Session

House Floor Session - part 2 Mar 17th, 2025

Minnesota House Floor Meeting

Transcript Highlights:
  • Everyone expects that due process always lends to fair outcomes in disciplinary investigations for both
TX
Transcript Highlights:
  • My name is Lynn Bearden and I'm the Chief Lending Officer at Texas Bank, a two and a half billion dollar
CA
Transcript Highlights:
  • I'm here today to lend our full support of our organization to Assembly Bill 258 and to advocate for
Summary: The Assembly Committee on Revenue and Taxation held its first regular hearing of the 2025-26 session, adopted its proposed committee rules on a 5-0 vote, and reinstated a suspense file for bills with fiscal impacts over the committee threshold. The chair explained that only AB 418 would be eligible for an immediate vote, while several other measures would be held for suspense consideration because of budget constraints. AB 330 was pulled by the author. AB 418 by Wilson, which would create a clearer process and administrative remedy for county Chapter 8 tax sales, received support from county tax collectors and housing and taxpayer groups. Supporters said the bill would add transparency, due process, and a noticed public hearing for negotiated sales of tax-defaulted properties, while helping counties dispose of low-value or problematic properties more efficiently. The committee voted 6-0 to send AB 418 to Appropriations. Several other bills were heard and then referred to suspense: AB 27 by Chau, which would exclude Chiquita Canyon landfill relief payments from gross income and protect recipients’ eligibility for public benefits, drew strong support from affected residents and environmental advocates; AB 258 by Conley would increase funding for California fairs, with supporters emphasizing fairs’ emergency-response role; AB 397 by Gonzalez would expand the California Young Child Tax Credit into a broader child tax credit for older children; and AB 398 by Aaron would set a $300 minimum refundable Cal EITC benefit. The committee also heard AB 231 by Tye, which would offer a tax credit to microbusinesses that hire formerly incarcerated people, and it too was referred to suspense after supportive testimony from reentry and small-business advocates.
TX

Texas 89th Regular

Senate Session Mar 6th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • Can you walk us through that because I think that's an important piece. that lends to some security in
Bills: SJR34 , SB10 , SB18 , SB19 , SB21 , SB72 , SB140 , SB262 , SB370 , SB480 , SB495 , SB627 , SB703 , SB767 , SB790
NM

New Mexico 2025 Regular Session

House - Government, Elections And Indian Affairs Feb 5th, 2025

House Government, Elections & Indian Affairs

Transcript Highlights:
  • So, I'd just like to lend my support to this bill and say.
US
Transcript Highlights:
  • But moreover, I think the best way we can serve small businesses is by making SBA lending available to
TX
Transcript Highlights:
  • You know, obviously, we're not trying to target and be able to eliminate entirely, but if we can lend
Bills: SB 1 , SB1
Committee: Senate Finance
FL

Florida 2025 Regular Session

Regulated Industries Jan 14th, 2025

Transcript Highlights:
  • BUT WHAT WE ARE SEEING IS THE REPORTS JUST LENDING THEM.
FL

Florida 2025 Regular Session

Health Policy Jan 14th, 2025

Transcript Highlights:
  • It does lend itself some difficulty and really kind of charting across across the board.
NH

New Hampshire 2026 Regular Session

Senate Election Law and Municipal Affairs (01/20/2026)

Election Law and Municipal Affairs

Transcript Highlights:
  • TRG is there to look at those issues that are not applicable to all of the different projects and lend
  • </c> the different projects. the different projects. uh<02:16:21.199><c> and</c><02:16:21.599><c> lend
  • c> expertise</c><02:16:22.800><c> of</c><02:16:23.280><c> you</c><02:16:23.440><c> know</c> uh and lend
  • the expertise of you know uh and lend the expertise of you know the<02:16:23.760><c> people</c><02:16
NH

New Hampshire 2026 Regular Session

House Public Works and Highways (01/13/2026)

Public Works and Highways

Transcript Highlights:
  • I don't think this lends itself to a one-size-fits-all that salt sheds have to be this size or have this
  • I don't think this lends itself to a one-size-fits-all that salt sheds have to be this size or have this
  • I I don't think this lends in his town.
  • I I don't think this lends itself<02:23:17.439><c> to</c><02:23:17.600><c> a</c><02:23:17.840><c> onesizefits-all
KY
Transcript Highlights:
  • sound investments and then staying with those investments and not reacting in the short term typically lends
  • term</c> and not reacting the short term and not reacting the short term typically<00:42:25.040><c> lends
  • to</c><00:42:25.760><c> that</c><00:42:26.000><c> philosophy</c><00:42:26.480><c> the</c> typically lends
  • to that philosophy the typically lends to that philosophy the best.<00:42:27.520><c> Um</c><00:42:27.839
Summary: The meeting opened with a quorum call, the Pledge of Allegiance, a prayer, and approval of the prior meeting minutes. The first presentation was from Bo Craycraft of the Judicial Form Retirement System, who gave an update on investment performance, asset allocation, cash flow, and projected employer costs. He reported strong fiscal year 2025 investment results, with both the legislative and judicial retirement plans outperforming their actuarial assumed rates of return and benchmarks, driven largely by U.S. equity performance. He also noted the plans remained near their target asset allocation and continued to experience negative cash flow, though he said that was manageable in context of strong asset growth. Craycraft then discussed a recent experience study and actuarial assumption changes, especially a revised salary growth assumption and a higher cash balance interest credit rate. He said these changes increased projected employer costs, with contributions rising from about $700,000 to a projected $2 million in later years, though he expected the eventual 2025 valuation and investment gains to reduce that estimate. Members asked about mortality assumptions, the impact of the experience study on liabilities, and the sharp increase in the judicial plan’s projected employer cost. Craycraft explained that the increase was driven mainly by the updated assumptions and that no other major plan changes were involved. At the chair’s request, Craycraft also addressed the recent rise in Medicare Advantage premiums for the plan’s health coverage, saying the 2025 increase was largely tied to Part D changes and the Inflation Reduction Act and had been about 45%, but that future growth was expected to be under 5%. After his presentation, the committee moved to the Kentucky Public Pensions Authority update, where the next speaker began by saying the funds had exceeded actuarial assumed returns for the fiscal year.
NH

New Hampshire 2025 Regular Session

Senate Commerce (04/29/2025)

Commerce

Transcript Highlights:
  • Um, but if not, it might lend itself, you know, to some really nice housing opportunities.
  • Um but if not,<00:18:16.320><c> it</c><00:18:16.480><c> might</c><00:18:16.720><c> lend</c><00:18:16.960
  • itself,</c><00:18:17.840><c> you</c><00:18:18.000><c> know,</c><00:18:18.160><c> to</c> not, it might lend
  • itself, you know, to not, it might lend itself, you know, to a<00:18:19.280><c> really</c><00:18:19.600
Committee: Senate Commerce
HI
Transcript Highlights:
  • pass down higher insurance premiums to buyers as a result of increased litigation, more restrictive lending
  • increased litigation<01:21:23.760><c> more</c><01:21:24.040><c> restrictive</c><01:21:24.600><c> lending
  • </c> litigation more restrictive lending litigation more restrictive lending conditions<01:21:25.800>
Committee: House Housing
Summary: The Committee on Housing held a public hearing on January 31 and heard testimony on a series of housing and building-code bills. The first major item, HB 1 relating to building codes, drew sharply divided testimony. Supporters, including BIA Hawaii, Grassroot Institute, Dr. Horton, and several builders and trade groups, argued the current code-adoption process is slow, fragmented, and costly, and that reform would help housing production. Opponents, including Sierra Club Hawaii, AIA Hawaii, ICC, and labor representative Kiko Bosi, said the bill would weaken public safety, reduce statewide consistency, and could leave tenants and first responders at greater risk. No vote was taken during the hearing, and members asked questions about the effect of a governor’s emergency proclamation suspending the Building Code Council and about county authority over code amendments. The committee then heard HB 745 and HB 1321, both also relating to building codes. Grassroot Institute supported both measures, saying the system is broken and needs streamlining, while BIA Hawaii and others emphasized the cost burden of repeated code updates. Opponents, especially Bosi and ICC, argued that the bills would undermine the State Building Code Council’s role, create confusion, and prioritize cost over safety; Bosi also said labor should be included in any code discussions. Members questioned whether counties can remove state code provisions and whether the state code already supersedes county codes, and one member noted the need for clarity and consistent enforcement rather than a wholesale overhaul. Later, the committee heard HB 284 on housing, HB 761 on county permitting and inspection, and HB 738 on historic preservation. HB 284 drew support from several housing and real estate groups, while DLNR opposed it. On HB 761, HHFDC supported the bill, DLNR warned that the proposed changes could jeopardize Hawaii’s participation in the National Flood Insurance Program, DAGS said it would likely need to duplicate county permitting staff, and the Department of Planning and Permitting opposed it; Grassroot Institute and NAIOP supported it. For HB 738, HHFDC, DLNR, Grassroot Institute, Hawaii YIMBY, NAIOP, and others supported the measure, with Grassroot and NAIOP suggesting clarifications so expedited review would also cover mixed-use projects and better define the scope of work. The transcript does not show any final votes or committee action on these bills during the hearing.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Environment and Natural Resources Jun 21st, 2026 at 01:00 pm

Joint Committee on Environment and Natural Resources

Transcript Highlights:
  • Together, we’re pleased to lend our support to Together, we’re pleased to lend our support to several
Summary: The Joint Committee on Environment and Natural Resources held a heavily attended hybrid hearing focused primarily on plastics reduction bills, along with a few local and related waste-management measures. Chair Rauch and Chair Barber outlined strict testimony rules because of the large number of speakers. Before the plastics docket, the committee heard support for a local Sharon sewer-extension bill for a Sunrise Senior Living project, and the bill’s proponents said the project would help address senior housing needs and would still require MWRA and local approvals. The chairs also noted a separate local matter involving Sharon and the MWRA. A major portion of the hearing centered on the Plastics Reduction Act and related bills addressing single-use plastics, including plastic bags, polystyrene, black plastic, plastic beverage bottles, non-flushable wipes, skip-the-stuff provisions, and truth-in-labeling. Sponsors and supporters said the bills would reduce litter, microplastics, greenhouse gas emissions, and municipal waste costs, while creating statewide consistency and supporting environmental justice communities. Several speakers cited local bans already adopted by many Massachusetts cities and towns, and many urged the committee to advance comprehensive statewide action. The committee also heard testimony on a boat wrap recycling bill, a mattress recycling bill, and a bill to prohibit hotels from providing small plastic toiletries. Municipal officials and waste professionals supported extended producer responsibility for paint and labeling for non-flushable wipes, saying these measures would shift costs away from cities and towns and reduce strain on wastewater systems. The Massachusetts Municipal Association, Mayor Ruth Ann Fuller of Newton, and a Franklin County waste official all backed paint EPR and wipes labeling. Fire Chief Brian Nardelli testified for the Fire Chiefs Association in support of lithium-ion battery legislation, citing fire safety and disposal concerns. Other speakers, including environmental groups, local activists, and business representatives, supported bag and polystyrene bans, though the Retailers Association of Massachusetts urged any bag policy to be truly statewide and said any bag fee should be retained by retailers. No votes were taken during the hearing.
ND

North Dakota 2025-2026 Regular Session

Advanced Nuclear Energy Committee Jun 16th, 2026

Transcript Highlights:
  • Other systems that have a much higher proportion of, I'll call it, mid-level transmission voltages, lend
  • themselves much better, lend themselves more to SMRs.
Summary: The Advanced Nuclear Energy Committee met to review prior minutes and hear a series of presentations on advanced nuclear technology and state readiness. The committee approved the April 21, 2022 minutes. Nucleon’s William Bridge outlined the advanced nuclear landscape, distinguishing near-term light-water SMRs from more advanced Gen 4 reactors and microreactors, and emphasized that fuel supply, especially HALEU, remains a developing supply chain. He said light-water designs are the most deployable in the near term, while advanced reactors may be better suited for industrial heat applications and could face a 2- to 3-year delay from fuel availability. Representatives from NASEO described how other states are supporting advanced nuclear through task forces, roadmaps, pilot programs, financing tools, workforce and supply-chain efforts, and regional coordination. They highlighted the Advanced Nuclear First Mover Initiative and stressed that states are focusing early on emergency preparedness, community engagement, waste management, affordability, and consumer protections. They also noted that some states are creating nuclear-ready community programs and cost-recovery guardrails, while public utility commissions are examining long-term lifecycle costs and rate impacts. North Dakota agencies then outlined their potential roles. The Public Service Commission said it would likely be involved in public-interest review, siting, and rate regulation, but noted current statutes may not fully address long-term nuclear projects, co-location, or decommissioning. The Department of Environmental Quality said it would continue to regulate radioactive materials and likely support emergency planning, while fission reactor oversight remains federal. The Department of Emergency Services said it would serve as the lead off-site preparedness agency, needing a radiological emergency program, training, exercises, equipment, and possibly industry funding. The Department of Water Resources said North Dakota has sufficient surface water, especially from the Missouri River, but that water planning would be important; it did not recommend statutory or budget changes at this time. The committee recessed for lunch after these presentations, with no additional votes or actions taken.
AR

Arkansas 2026 1st Special Session

ALC-ADMINISTRATIVE RULES Jun 15th, 2026

ALC-ADMINISTRATIVE RULES

Transcript Highlights:
  • And I approached them about having a curriculum lending... and they did not.
  • need any public statements of support to let ClassWallet or whoever it is that is the holdup, let us lend
Summary: The Administrative Rules Subcommittee reviewed a long agenda of agency rules, with most items approved without objection after brief presentations and no public comment. Early items included Department of Energy and Environment rules on landfill post-closure trust fund spending thresholds and liquefied petroleum gas standards, DFA’s electronic odometer disclosure rule, and several Department of Health rules covering ionizing radiation, mobile home and RV parks, lead-based paint, counseling board revisions, hearing instrument dispensers, athletic training, dental examiners, nursing, pharmacy, medical board, speech-language pathology and audiology, radiologic technology, massage therapy, community health workers, doula certification, and cosmetology/body art. Most of these changes were described as updates to match recent acts, federal standards, compact participation, fee adjustments, or cleanup/clarification, and the committee repeatedly approved them without objection. A substantial portion of the meeting focused on the Arkansas State Board of Nursing’s broad set of rule changes implementing multiple 2025 acts. Those changes included creating a dialysis patient care technician registry, updating contact information requirements, expanding APRN authority to delegate certain tasks, clarifying death certificate and pronouncement authority, allowing substitution of therapeutically equivalent medications, permitting purchase of compounded products, and updating certified medication assistant rules and training standards. Members asked detailed questions about the meaning of therapeutically equivalent substitutions, delegation limits, compounded products, and how often medication lists would be updated; the board said it would review rules annually and use future rulemaking as needed. The committee also approved new nursing rules for declaratory orders and the new dialysis registry. The Department of Education’s rules drew the most discussion, especially the Arkansas Children’s Educational Freedom Account Program. The department said the revisions, based on Act 920 of 2025, were intended to add guardrails, clarify eligible expenses, and streamline approvals. Changes included defining core educational expenses, limiting sports-related spending, adding an intentional misuse standard, restricting certain technology purchases and requiring extra justification over $1,000, capping carryover funds at $8,500, and creating a reconsideration process for denied expenses. Members raised concerns about oversight, appeal timelines, sports equipment, provider credentialing, and whether the rules were too restrictive; department officials said the rules were meant to protect taxpayer funds while preserving flexibility, and they noted the program had received extensive public comment. The committee also approved Education rules for scholarships, residency classification, teacher programs, accelerated learning, and graduate medical education, as well as Labor and Licensing rules on wage and hour standards, boiler rules, motor vehicle commission requirements, professional wrestling regulation, appraiser qualifications, and military recruiting incentives.
AR

Arkansas 2026 Regular Session

ALC-ADMINISTRATIVE RULES Jun 15th, 2026

ALC-ADMINISTRATIVE RULES

Transcript Highlights:
  • I approached them about having a curriculum lending... and they did not.
  • need any public statements of support to let ClassWallet or whoever it is that is the holdup, let us lend
LA

Louisiana 2026 Regular Session

House of Representatives May 11th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • Representative Walters, I appreciate you trying to lend a hand for our service members abroad, but can
  • Walters, I appreciate you trying to lend a hand for our service members abroad, but can you explain why
Bills: HR257 , HR258 , HR259 , HR260 , HR261 , HR262 , HR263 , HCR105 , HCR106 , HR252 , HR253 , HR254 , HR255 , HR256 , HCR103 , HCR104 , SB83 , SB143 , SB155 , SB228 , SB283 , SB295 , SB338 , SB388 , SB408 , SB431 , HR84 , HR188 , HR205 , HB302 , HB597 , HB819 , HB1257 , HB1258 , SCR24 , SB45 , SB58 , SB71 , SB81 , SB92 , SB100 , SB109 , SB141 , SB156 , SB181 , SB203 , SB204 , SB205 , SB207 , SB213 , SB214 , SB216 , SB229 , SB257 , SB274 , SB290 , SB304 , SB374 , SB379 , SB396 , SB410 , SB425 , SB427 , SB429 , SB479 , SB522 , SB357 , SB406 , HR171 , HCR49 , HCR65 , HCR72 , HR37 , HCR64 , HR170 , HR191 , HR206 , HR207 , HR208 , HR217 , HCR11 , HCR53 , HCR60 , HCR66 , HCR68 , HR9 , HCR27 , HCR28 , HCR50 , HCR62 , HCR67 , HCR71 , HCR78 , HCR81 , SCR19 , SCR3 , SCR6 , SCR18 , SCR11 , SCR22 , SCR2 , SCR20 , HCR6 , HB64 , HB68 , HB92 , HB130 , HB258 , HB633 , HB801 , HB61 , HB98 , HB102 , HB139 , HB142 , HB170 , HB185 , HB194 , HB199 , HB231 , HB247 , HB294 , HB336 , HB474 , HB661 , HB842 , HB852 , HB301 , HB359 , HB657 , HB675 , HB680 , HB727 , HB79 , HB251 , HB625 , HB769 , HB775 , HB783 , HB895 , HB1011 , HB1057 , HB1155 , HB1186 , HB1224 , HB1245 , HB1247 , HB1253 , HB1254 , HB1255 , HB1256 , SB41 , SB44 , SB64 , SB84 , SB87 , SB93 , SB98 , SB107 , SB118 , SB142 , SB192 , SB195 , SB199 , SB219 , SB222 , SB234 , SB241 , SB255 , SB275 , SB277 , SB292 , SB294 , SB306 , SB314 , SB482 , SB8 , SB10 , SB11 , SB12 , SB13 , SB14 , SB16 , SB17 , SB18 , SB20 , SB21 , SB22 , SB40 , SB48 , SB55 , SB69 , SB75 , SB77 , SB78 , SB85 , SB102 , SB115 , SB133 , SB140 , SB148 , SB151 , SB165 , SB169 , SB170 , SB185 , SB197 , SB200 , SB217 , SB235 , SB278 , SB280 , SB291 , SB300 , SB303 , SB315 , SB324 , SB330 , SB411 , SB416 , SB420 , SB436 , SB438 , SB449 , SB455 , SB456 , SB477 , SB489 , SB521 , HB646 , HB824 , HB341 , HB682 , HB766 , HB926 , HB998 , HB1051 , HB1080 , HB1201 , HB1223 , HB603 , HB940 , HB1191 , SB47 , HB901 , HR20 , HR74 , HB284 , HB306 , HB366 , HB393 , HB458 , HB577 , HB582 , HB605 , HB614 , HB733 , HB752 , HB773 , HB798 , HB911 , HB955 , HB996 , HB1035 , HB1069 , HB1113 , HB1140 , HB1180 , HB1240 , SB82 , SB89 , SB149 , SB382
MA

Massachusetts 2025-2026 Regular Session

Special Joint Committee on Initiative Petitions Mar 30th, 2026

Special Joint Committee on Initiative Petitions

Transcript Highlights:
  • That is being driven by predatory lenders who figured out that if you want to lend more money than a
  • driving our costs and that is being driven by predatory lenders who figured out that if you want to lend
Bills: H5006 , H5007
Summary: The Special Joint Committee on Initiative Petitions held a public hearing on two proposed ballot initiatives: one to reduce the state personal income tax rate from 5% to 4% over three years, and another to revise the state tax collection cap law (62F) so the cap would be based on the prior year’s actual collections plus wage-and-salary growth and would include surtax revenue. Committee chairs outlined the hearing process and noted that the measures would need additional signatures to qualify for the 2026 ballot if not enacted by the legislature. The committee’s expert witness, Doug Howgate of the Massachusetts Taxpayer Foundation, said the income tax proposal would lower the base rate in stages beginning in 2027 and would ultimately reduce state income tax collections by about $5.4 billion annually when fully implemented. He estimated savings would vary by income level, from a few hundred dollars for lower- and middle-income households to about $10,700 for taxpayers at the surtax threshold. He argued the proposal would improve tax competitiveness but would also require major budget adjustments, likely including reserve use, spending cuts, and possibly new revenue measures; he cited prior downturns and said the state’s rainy day fund is stronger than in past recessions, though spending growth and health care costs remain concerns. On the 62F proposal, he said rebasing the cap to prior-year collections would make refunds more likely, with modeled refunds totaling about $7.9 billion without the surtax and $10.1 billion with it over the last decade, and warned it could reduce stabilization fund deposits and constrain recovery after recessions. Proponents of both petitions, including representatives from Taxpayers for an Affordable Massachusetts, NFIB, Pioneer Institute, and the Mass Opportunity Alliance, argued that Massachusetts faces an affordability and competitiveness crisis and that lower taxes would help families, small businesses, job creation, and outmigration. They said the income tax cut would put about $1,300 a year back into the hands of average families, help pass-through businesses reinvest, and improve the state’s ability to compete with lower-tax states such as North Carolina. Their economist, Rebecca Paxton, presented a model projecting average annual revenue losses of about $680 million during the phase-in and a total net income tax revenue impact of $2 billion to $2.2 billion, while saying long-term revenue growth would be stronger after implementation. The hearing ended with committee questions and a brief dispute over a planned voter testimonial video, which the chairs said was not appropriate for the hearing at that point.