Video & Transcript Research : 'Deferred Retirement Option Plan'
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MN
Transcript Highlights:
- for their Futures that they need to plan for their Futures financial<00:35:23.079>
planning <00 - <00:35:31.760>
manage prepare for retirement manage prepare for retirement manage Investments - <00:36:13.440>
services access to financial planning services access to financial planning - <00:36:31.839>
Association of the Financial Planning Association of the Financial Planning - And as far as, in financial planning, there is a crisis in financial planning that people don't have
WY
Wyoming 2026 Regular Session
Joint Agriculture, State and Public Lands & Water Resources Committee, June 11, 2026 - AM
Agriculture, State and Public Lands & Water Resources
Transcript Highlights:
- I I saw plan ahead to uh to pre check.
- 6 months to plan their pre check date. 6 months to plan their pre check date.
- for seven more years and then retired for seven more years and then retired from<00:55:00.000>
the brink of retiring. the brink of retiring. - And then our plan was what? established. And then our plan was what?
MN
Minnesota 2025 1st Special Session
Cmte on Rules - Subcommittee on the Federal Impact on Minnesotans and Economic Stability - 10/15/25
Transcript Highlights:
- So the optional questions enable consumers to filter plans based on what's important to them.
- He can skip ahead to view plan options. Next slide.
- So this is a small snippet of what he sees when he's viewing plan options.
- Consumers can sort plans, apply filters, and compare options side by side, making it easier to fully
- States are looking at public options offered either on the marketplace or a standalone plan.
WA
Washington 2025-2026 Regular Session
JLARC – Joint Legislative Audit & Review Committee Jul 16th, 2025
Transcript Highlights:
- legislation also included other options.
- legislation also included other options.
- State law requires DOH to review the event and plan as it deems necessary.
- State law requires DOH to review the event and plan as it deems necessary.
- I appreciate that you committed to doing a strategic management plan.
Summary:
The meeting began with JLARC’s biennial executive committee elections. After confirming a quorum, members unanimously elected Representative Pollet as chair, Senator Wagoner as vice chair, Representative Orcutt as secretary, and Senator Solomon as assistant secretary for the 2025-27 biennium. The committee also approved the May 14 meeting minutes unanimously. Chair Pollet then outlined a commitment to more member input on audit scope and coordination with the State Auditor’s Office.
Staff presented a preliminary report on Washington State recreation boating programs. They reported that six agencies administer boating-related activities, that the state collected about $108 million in boating-related revenue in 2021-23, and that $86 million was spent, mostly on infrastructure and water access, environmental protection, boater safety, and marine law enforcement. Staff said Washington’s boating laws and programs are broadly similar to other states and noted that the final report is expected in September.
JLARC then reviewed several tax preferences. For natural gas used as a transportation fuel, staff said the preferences reduce fuel costs but did not meet emissions-reduction targets because fewer vessels and vehicles converted to natural gas than expected; staff recommended continuing some exemptions and modifying reporting requirements. For travel agents and tour operators, staff said the preference continues to provide tax relief, but large beneficiaries’ savings are rising while small beneficiaries’ use is declining, leading to recommendations to continue the small-business rate and add or revise performance metrics. Staff also reviewed a nonprofit low-income housing property tax exemption, concluding it helps developers build homes as intended but that the performance metric should better reflect housing outcomes; they recommended the legislature decide whether to continue or modify it. Other reviews covered multipurpose senior citizen centers, disabled veteran adapted housing, trade convention attendance, agricultural fertilizer and seed wholesaling, hazardous substance tax treatment for pesticides, and silicon smelter energy preferences, with recommendations ranging from continuation to expiration depending on whether the stated objectives were met.
The committee then adopted the final cannabis market study for distribution. Staff reported that Washington businesses produced two to three times more cannabis than retailers sold in 2023, and that inaccurate and incomplete reporting limits the Liquor and Cannabis Board’s ability to regulate the market. The board said it concurs with the recommendations, including developing a plan for a new data system and considering broader social equity options. Finally, staff presented the proposed final report on Department of Health oversight of hospital data reporting, inspections, and complaints. Staff said DOH was late on most acute-care hospital inspections, had not fully verified third-party inspection standards, and did not adequately review adverse event correction plans or assess language access barriers in its complaint system. DOH said it concurs with all six recommendations and has already made some transparency improvements, including a public dashboard for adverse event reporting.
AZ
Arizona 2026 Regular Session
02/12/2026 - House Artificial Intelligence & Innovation
Artificial Intelligence & Innovation
Transcript Highlights:
- They had used her retirement that she had worked for 20 years at one job.
- They used her retirement to pay off bills, to get loans.
- At, you know, retirement, Social Security, very simple.
- Spousal support, I do think should be an option to be in there.
- Plans don't always go your way. We're going to work until we hear the second bell.
Keywords:
artificial intelligence, disclosure requirements, data privacy, minor protection, online safety, HB2371, Arizona divorce, family law, dissolution of marriage, AI arbitration, AI-assisted arbitration, automated dispute resolution, online arbitration, binding determination, recommendation, superior court appeal, de novo review, marital dissolution, spousal consent, minor children
Summary:
The committee met in a special morning session and first heard HB 2371, a pilot proposal to allow consenting divorcing parties without minor children to use AI-assisted arbitration in simple divorce cases. Rep. Martinez described it as a voluntary, fairness-focused tool for people who cannot afford lawyers, with the judge retaining final authority. Members raised concerns about the bill’s binding-language, privacy, and the need for clearer guardrails on assets and support, but the sponsor said amendments were welcome. The committee voted 7-0 to give HB 2371 a do pass recommendation.
The committee then took up HB 2311, which requires conversational AI systems to notify minors they are interacting with AI, restrict sexual content, prohibit deceptive human impersonation, and require self-harm response protocols. Google testified in support, saying its Gemini product already uses similar safeguards and that the bill would set an industry-wide floor; a speaker also noted similar measures are being considered in several other states. After adopting a committee amendment clarifying customer-service AI and limiting developer liability, the committee voted 7-0 to recommend HB 2311 do pass as amended.
Next, the committee heard HB 2409, creating a voluntary statewide summer AI education program focused on digital hygiene, civic integrity, privacy, media literacy, critical thinking, and algorithmic bias. Supporters argued Arizona needs to prepare residents for AI-driven job disruption and help people use the technology to become more self-sufficient, while opponents objected to the program’s funding and potential unfunded mandate to the education department. The bill passed 4-3. HB 2410, which would treat communications with AI as privileged like communications with human professionals, also passed after testimony from the sponsor and a criminal defense advocate who argued the measure would protect sensitive legal and personal conversations; the vote was 6-0 with one member present.
The committee then approved HB 4005, requiring school districts and charter schools to provide instruction on ethical, moral, and educational uses of AI, by a 4-2-1 vote after some members said schools lacked resources and should not be mandated to add curriculum without funding. Finally, the committee considered HB 2456 and HB 2457, both related to small modular nuclear reactors and utility siting/streamlining for energy development tied to large power users. Supporters framed them as necessary for future energy demand, data centers, and economic growth, while opponents raised concerns about local zoning authority and environmental oversight. Both bills were amended and advanced on 4-3 votes, and the meeting adjourned after the final roll calls.
TX
Transcript Highlights:
- I would have to defer to the resource witness on that, yes. ...I would have to defer to the resource
- The college to develop a plan to assist in graduate medical education.
- Deferred maintenance needs. to Over $2 billion in deferred maintenance needs—$2 billion.
- As the chairman mentioned, for deferred maintenance and things of that nature.
- If HEAF is funded at the 100% level, we can reduce our deferred maintenance.
Keywords:
special prosecutor, state law, criminal justice, accountability, law enforcement, stormwater management, counties, regulation, environment, water quality
Summary:
The Committee on Higher Education met to hear several bills and first corrected the minutes from its April 1, 2025 meeting to reflect that a committee substitute for HB 271 had been adopted before the bill was reported favorably. The committee then heard HB 3326, which would help Texas higher education employees, especially adjunct faculty, qualify for federal Public Service Loan Forgiveness by counting classroom hours toward full-time status, requiring institutions to verify employment within 60 days, and requiring annual notice to eligible employees. No witnesses testified against the bill, and it was left pending.
Members then heard HB 2853, authorizing UTEP to phase in a student union fee increase to fund demolition and reconstruction of its aging student union. Representative Perez and UTEP student and university witnesses said the current facility is outdated and insufficient for a campus of more than 25,000 students, while some members raised concerns about the size of the fee increase and its impact on low-income students. UTEP representatives said most students receive aid, the fee would be phased in over time, and the project was student-approved; the bill was left pending. The committee also heard HB 4066, a one-line bill to abolish the Texas Research Incentive Program after the state cleared its backlog of matching obligations, with the author saying the program was no longer needed in light of newer research funding approaches. The bill was left pending.
The committee spent substantial time on HB 125, which would create the Tarleton State University College of Osteopathic Medicine. Supporters, including Tarleton leadership, the founding dean, a rural hospital CEO, and a feasibility consultant, argued the school would address severe rural physician shortages by recruiting Texas and rural students, training them in rural settings, and developing new residency slots rather than competing for existing ones. Members asked about affordability, residency placement, and whether the school would draw students from rural Texas; Tarleton said it would seek to keep tuition and debt low, had already raised private donations, and would request $25 million in state support over the biennium. The bill was left pending.
Finally, the committee heard HB 42, which would increase the annual Higher Education Fund appropriation and adjust its allocation methodology. The chair and university witnesses described rising deferred maintenance, inflation, cybersecurity needs, and enrollment growth at HEAF-eligible institutions, with witnesses from Texas Tech, Sam Houston State, and UNT saying the additional funding would help address aging facilities and technology needs. After testimony, the committee left HB 42 pending and recessed.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance Dec 9th, 2025 at 01:24 pm
Transcript Highlights:
- So essentially... we are seeing what we deem higher-quality licensed options.
- Chair, Senator Padilla, I would defer to the department. Okay. All right.
- So, I'll defer to Kelly for any other standard mechanisms. So, Mr.
- And then there were planning and design projects.
- The policy so that we can actually fund some plan and design.
LA
Louisiana 2026 Regular Session
Commerce, Consumer Protection and International Affairs May 13th, 2026
Commerce, Consumer Protection, and International Affairs
Transcript Highlights:
- we were finding out some were facing financial ruin because they were unable to do what they had planned
- Just a quick note that, you know, I'm retired from DEQ, 30 years with the department.
- I retired from DEQ, 30 years with the department.
- So we’ll defer our Senate Concurrent Resolution 53.” “And you do want to offer up House Bill 921?
- And, you know, once they've retired, very often they're not replaced, and you just have a void there
Bills:
SCR53, HB259, HB267, HB478, HB548, HB555, HB617, HB670, HB672, HB797, HB848, HB917, HB921, HB1096, HB1103, HB1166, HB1195, HB1230
Keywords:
payable-on-death accounts, transfer-on-death accounts, estate planning, beneficiary designations, Louisiana law, task force, inheritance, nonprobate transfers, excavation, demolition, infrastructure repair, BEAD Program, utility damage, construction coordination, contact point, home inspectors, board membership, licensing, term limits, Louisiana State Board
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Mar 24th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- This would create the option for opting into a different format.
- We have mandates around comprehensive planning for our larger cities.
- It's to give the local community the option to decide what's most important.
- It simply says you now would have an option.
- It's simply an option. I would very much urge a yes vote on this.
Bills:
SJR47, SB1491, SB1579, SB1806, SB1552, SB483, SB63, SB137, SB346, SB514, SB1344, SB1360, SB1380, SB1437, SB1189, SB1217, SB1221, SB1262, SB1272, SB1325, SB1339, SB201
Keywords:
voter ID, elections, constitutional amendment, Oklahoma, proof of identity, presidential electors, vacancies, oath of office, political party, property tax, valuation increase, taxpayer rights, homestead, protest process, foster care, adoption assistance, transitioning youth, Department of Human Services, voluntary services, county home rule charter
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Mar 24th, 2026 at 09:30 am
Oklahoma Senate Floor Meeting
Transcript Highlights:
- The measure also requires service Oklahoma to offer an optional expedited delivery service for those
- Senator Deavers will go with one more follow-up, and then we'll have to defer to other members.
- Do we have a plan on how this is going to be funded without raising taxes?
- Number one, as I Teacher retirement is hard to say because if you want this pay raise to be calculated
- to have that affect your retirement, so I don't really know, but I think if it keeps teachers in the
Bills:
SJR47, SB1491, SB1579, SB1806, SB1552, SB483, SB63, SB137, SB346, SB514, SB1344, SB1360, SB1380, SB1437, SB1189, SB1217, SB1221, SB1262, SB1272, SB1325, SB1339, SB201
Keywords:
voter ID, elections, constitutional amendment, Oklahoma, proof of identity, presidential electors, vacancies, oath of office, political party, property tax, valuation increase, taxpayer rights, homestead, protest process, foster care, adoption assistance, transitioning youth, Department of Human Services, voluntary services, county home rule charter
KY
Kentucky 2026 Regular Session
House Standing Committee on Primary and Secondary Education. (3-18-26)
Primary and Secondary Education
Transcript Highlights:
- Offered to give up my planning period to teach him one-on-one. All these options were refused.
- <00:09:19.360>
For <00:09:19.480>16 All these options were refused. - For 16 All these options were refused.
- She was actually chair of the House Education Committee when she retired in 2022.
- So, thank you for bringing that up. uh retired in 2022. uh retired in 2022.
TX
Transcript Highlights:
- During the interim, we updated our strategic plan.
- I will defer to the agency on that.
- on what they plan agency by agency.
- As part of a how many miles plan? But as part of a how many miles plan?
- The sort of master plan of what the total program would be would be something we would defer to the governor's
Bills:
SB 1
Keywords:
campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards
Summary:
The committee first heard the Legislative Budget Board and Secretary of State Jane Nelson on the Secretary of State budget. LBB said the recommendation would reduce the agency’s appropriation by about $40.3 million overall, with major changes including removing federal HAVA funding and one-time business system replacement money, adjusting the agency’s base request, deleting an outdated Interstate Crosscheck rider, and directing HAVA funds to be drawn down first. Secretary Nelson and staff defended the agency’s needs, emphasizing election security, business filings, international protocol, and the Texas Register, and requested additional staff, a new website, digitization of records, IT and cybersecurity upgrades, and renovation of the Rudder Building. Senators discussed voter-roll maintenance, cross-checking data, call-center response times, and the need for online voter registration and more efficient election administration. No votes were taken.
The committee then took up the Office of the Governor and trustee programs. LBB outlined a $2.4 million decrease for the office proper and a much larger decrease in trustee programs, driven by unexpended balances and the removal of one-time federal and border-security items, while noting continued funding for disaster response, victim assistance, and $2.9 billion for border security at roughly the prior level. Governor’s staff said Texas remains focused on border security, economic development, and public safety, and discussed efforts to seek federal reimbursement for prior border spending. Members asked about the National Guard’s status, possible federal assumption of border costs, the music incubator program, the Semiconductor Innovation Consortium, the Governor’s University Research Initiative, defense economic adjustment grants, and a new $5 million nonprofit security grant proposal. Staff said the semiconductor program has 12 approved projects totaling about 948 jobs and $17 billion in capital investment, and that the nonprofit security request was added late to address threats to houses of worship and other nonprofits. No formal action was taken.
Finally, the committee heard the Texas Facilities Commission and lease-payment recommendations. LBB said the Facilities Commission recommendation would reduce appropriations by about $2.0 billion, mainly by removing border wall construction funding and capital complex bond funding, while adding money for higher utility costs, Rudder Building refurbishment, and additional staff. The lease-payment recommendation would decrease general revenue by $9.3 million. LBB also noted new riders related to completing the State Library and Archives building, tenant communication during disruptions, and a space-utilization report. In agency testimony, members asked about border wall maintenance responsibility, total facilities-related debt, and the status of capital complex construction. The Rudder Building renovation and related security needs were repeatedly discussed as important one-time infrastructure investments.
TX
Transcript Highlights:
- On deferred maintenance and, and, and redoing an existing building.
- I'm a retired Vice Admiral of the Navy. Appreciate your service, sir. Thank you.
- This examination is ongoing through a comprehensive strategic assessment and planning.
- Uh, both options, we're looking at both options presently provided, uh, funding would be made available
- Do you guys have any, uh, plans on expansion?
FL
Transcript Highlights:
- It will also modify some of our private insurance plans.
- I think that we have, with planning and strategic planning and thoughtful processes, I think that this
- It would be optional to the recipient. Do they want gold?
- It would be simply one of four options that they have.
- An option for people.
Summary:
The committee first took up SB 794, as amended by a late-filed strike-all, which would require a human being to make insurance claim denial decisions and prohibit artificial intelligence from being the sole basis for a denial. The sponsor said the bill was intended to preserve human oversight while allowing innovation in claims processing. Public testimony included support from the Florida Insurance Consumer Advocate and the Florida Medical Association, along with one speaker urging additional protections for homeowners. The committee adopted the strike-all and reported SB 794 favorably with committee substitutes.
Members then heard SB 134, which removes the $500 threshold on the sales tax exemption for bullion, making sales of gold, silver, and platinum bullion fully exempt and eliminating certain dealer documentation requirements. Supporters argued the change would reduce a regressive tax and help consumers preserve savings; the sponsor estimated a revenue impact of about $300,000. The bill was reported favorably. The committee also adopted a strike-all on SB 888, which directs the Office of Insurance Regulation to create a more consumer-friendly homeowners insurance website with premium comparison information, market data, rate filing access, and educational resources. The sponsor and Leader Boyd said the goal was to improve transparency and help consumers navigate a stabilizing market. SB 888 was reported favorably with committee substitutes.
The final bill heard was SB 1578, covering mammograms and supplemental breast cancer screenings. The sponsor said it would expand coverage requirements in ACA plans and private insurance policies, including annual mammograms for women ages 40 to 50 and supplemental screening coverage, while noting Medicaid already provides these services. The Florida Insurance Consumer Advocate waived in support, and the bill was reported favorably. After the bills, the committee held a lengthy panel discussion on gold and silver as legal tender and transactional money, with testimony from officials from Utah and Florida, industry representatives, and advocacy groups. Panelists discussed constitutional authority, consumer protections, depository oversight, taxation issues, and possible transactional platforms for precious metals. No further action was taken after the discussion, and the committee adjourned.
NM
New Mexico 2025 Regular Session
House - Health and Human Services Feb 5th, 2025
House Health & Human Services
Transcript Highlights:
- . plan, and that's for the entire state.
- Yes, I'll comment and then I'll defer to my expert really quickly, Madam Chair.
- I defer to Lieutenant Warden. Good morning, Madam Chair, Representative.
- This is just for the planning.
- With great deference to the Chair, we respectfully oppose this legislation.
NH
New Hampshire 2025 Regular Session
House Finance Division I (02/19/2025)
Transcript Highlights:
- NHRS's budget was created as part of a three-year strategic plan to address deferred initiatives in areas
- NHRS's budget was created as part of a three-year strategic plan to address deferred initiatives in areas
- NHRS's budget was created as part of a three-year strategic plan to address deferred initiatives in areas
- As part of a three-year strategic plan to address deferred initiatives in areas put on hold over the
- is given to you uh for uh employ for is given to you uh for uh employ for retirement retirement retirement
Summary:
The committee first reviewed House Bill 1, focusing on the legislative branch budget, especially the Senate and House lines. Members discussed that the Senate’s fiscal year 2025 adjusted authorized amount was higher than 2024 actual spending, largely due to personnel, benefits, and travel, and one member proposed a $500,000 annual cut. Staff explained that any reduction would need to be allocated across specific line items such as personnel, benefits, and travel, and noted that the Senate budget is entirely General Funds. After discussion of how the adjusted authorized figures were calculated and why the branch no longer staffs some joint committees as it once did, the committee moved on without taking a vote on that section.
The committee then heard a detailed presentation from the New Hampshire Retirement System. NHRS officials described their statutory administrative budget, which is funded through the retirement trust rather than the General Fund, and said the FY 2026-2027 increase is driven by IT modernization, cybersecurity, a new strategic plan, and additional staff positions. They also reviewed the system’s funding progress, clean audit opinions, investment performance, and changes to asset allocation, while noting that several recent pension-related laws required major database changes. Members questioned the large increase in salaries and benefits, the need for new employees versus contractors, the purpose of training costs, and the source of the Group Two benefit funding. NHRS said the governor’s budget includes General Funds for Group Two benefit changes, with $5 million in FY 2026 and $27.9 million in FY 2027, and that the figures reflect the governor’s recommendation and related HB 2 provisions.
Committee members also asked about employer and employee contribution rates for Group Two police and fire members, which NHRS said were not included in the budget document but were about 31.2% for police and 30.35% for fire, with employee shares around 11.55% and 11.8%. The committee did not make a decision on the NHRS budget during this exchange and indicated it would review the details further before returning to it later.
The committee then heard from the Community Development Finance Authority on the State Treasury Department budget line for the required state match to administer the federal Community Development Block Grant program. CDFA explained that its $280,000 annual request for FY 2026 and FY 2027, totaling $560,000, supports administration, technical assistance, contracting, and monitoring of roughly $19 million in annual federal CDBG funds. Members asked about the leverage of the state match, oversight of projects, staffing, and grant prioritization. CDFA said it has 18 employees, uses public hearings and a scoring system to prioritize awards, and conducts both desk and on-site monitoring, with annual audits to ensure compliance. No vote was taken on the CDFA item in the portion provided.
NH
New Hampshire 2025 Regular Session
House Science, Technology and Energy (04/07/2025)
Science, Technology and Energy
NH
New Hampshire 2026 Regular Session
Senate Health and Human Services (03/11/2026)
Health and Human Services
Transcript Highlights:
- <01:29:29.120>
People People need affordable options, including short-term plans. - limits and tradeoffs of these plans. limits and tradeoffs of these plans.
- other plans, but that they do understand this is a necessary gap-coverage option for people.
- The witness said short-term plans are a necessary gap-coverage option for people.
- That's<02:22:55.200>
one <02:22:55.439>option. That's one option. That's one option.
MA
Massachusetts 2025-2026 Regular Session
Formal House Session 36 Jun 21st, 2026 at 11:00 am
Massachusetts House Floor Meeting
Transcript Highlights:
- adopted: Resolutions filed by Representative Peisch of Wellesley, honoring Abby Goodman upon her retirement
- It helps us plan for the future in a fiscally responsible way.
- By having the option to bond through the CTF, we preserve general obligation debt capacity and other
- This bill is about giving the Commonwealth options, rooted in data and discipline.
- This bill is about giving the Commonwealth options, rooted in data and discipline.
Summary:
The House received a Governor’s message on fiscal year 2026 supplemental appropriations, which was referred to the Committee on Ways and Means. The Committee on Rules reported several resolutions, including honors for Abby Goodman, a resolution reaffirming Massachusetts-Taiwan friendship, recognition of the Cambodian-American community’s Khmer New Year celebration, and Elks National Youth Week; the House suspended the rules and approved them. The House also concurred with Senate petitions on assisted living residences and medication administration in rest homes, sending them to the Committee on Aging and Independence.
The main legislative business was House Bill 5279/5375, the transportation bond bill financing long-term improvements to municipal roads and bridges. Ways and Means recommended a substitute bill, House 5375, with a $2.737 billion general obligation bond authorization, and the House adopted the amendment and ordered the bill to a third reading. Later, the House took up House 5375 directly, heard support from members emphasizing Chapter 90 road funding, municipal flexibility, rural road mileage distribution, and broader transportation investments, and then passed the bill to be engrossed by roll call vote, 155-0.
The House also passed House Bill 5371, authorizing grants of easements or takings of certain parcels of land to the city of Boston, to be engrossed. In addition, the chamber received and filed the Secretary of the Commonwealth’s report on the March 31, 2026 special election for the 5th Essex District, adopted an order to escort the Governor and Executive Council into the chamber, and administered the oaths of office to Representative-elect Andrew Tarr. The session ended with an order to adjourn until the next day at 11 a.m. in informal session.
AL
Alabama 2026 1st Special Session
Alabama Senate Finance and Taxation Education Committee Mar 18th, 2026
Finance and Taxation Education
Transcript Highlights:
- So that's kind of the tentative plan that we won't have a lot of wiggle room or days to wiggle.
- So, it'll probably be the plan.
- So that that's kind of<00:05:20.000>
the <00:05:20.960>tentative <00:05:21.680>plan< - <00:05:28.880>
Clerk, So, it'll probably be the plan. - Clerk, So, it'll probably be the plan.
Keywords:
land bank, land bank authority, local land bank authority, Alabama Land Bank Authority, tax delinquent property, tax sale, tax lien, redemption period, quiet title, blight remediation, vacant property, foreclosure, ad valorem tax, property tax exemption, intergovernmental agreement, county government, municipal government, redevelopment, brownfields, floodplain management