Transcript Highlights:

• I'll be deputy attorney general.
• Which the attorney general wants. >> Yeah. Which the attorney general wants.
• <00:35:56.000><c> criminal</c> attorney general with the criminal attorney general with the criminal
• </c><00:39:15.520><c> general's</c> the uh deputy attorney general's the uh deputy attorney general's
• They argue, they Attorney General.

Bills: SB2094

Keywords: toxic chemicals, environmental action levels, public notice, environmental safety, pollution control, Hawaii State Constitution, public participation, government transparency, environmental health, 912, senate, all

Summary: The committee first took up SB 2094, which would require state agencies monitoring environmental toxins and pollutants to establish environmental action levels and limit changes to those levels without meeting procedural requirements. The chair recommended passing the bill with amendments, including inserting estimated costs for a secure portal website and webinars into the committee report and deferring the effective date to July 1, 2050. The motion passed unanimously among those voting, with excused members noted. The committee then considered several other measures and adopted recommendations to pass them with amendments, generally adding technical and clarifying changes and setting a defective date of 2525. SB 2862 was amended to broaden the preamble, make additional appointees confirmable, clarify reporting requirements for gubernatorial appointees, and was held for further discussion. SB 2781 on lei production created a working group to review existing studies and conduct a statewide study of Hawaii’s floriculture industry. SB 3015 adopted California’s definition of PII, applied it to government agencies and political subdivisions, created a private cause of action, and required a compliance report. SB 3230 removed a categorical prohibition on certain third-party project management procurements while preserving state oversight responsibility, in line with procurement office requests. The joint GVO Health and Human Services agenda then focused on two related bills requiring universal changing accommodations in public restrooms. SB 2932 would apply to new state building construction beginning July 1, 2026, and testimony from disability advocates, the Hawaii State Council on Developmental Disabilities, and others supported the measure while asking for language clarifying that the requirement applies only where technically feasible and, in some cases, only to state-managed buildings. SB 2268 was described as broader, extending beyond government buildings into the private sector and including a private right of action; witnesses supported the concept but raised implementation concerns, especially for smaller businesses, and requested the same technically infeasible language and other clarifications. Both bills were advanced with amendments, and the committee noted adoption of the recommendations.

Transcript Highlights:

• Pamela Hicks, a volunteer attorney with Arizona Attorneys for Criminal Justice, speaking in opposition
• I am a volunteer attorney with Arizona attorneys for criminal justice. We oppose this bill.
• Pamela Hicks, a volunteer attorney with Arizona Attorneys for Criminal Justice, speaking in opposition
• Pamela Hicks, a volunteer attorney with Arizona Attorneys for Criminal Justice.
• I'm a local attorney, and I'm here only in my individual capacity.

Summary: The Judiciary Committee heard and advanced several bills focused on criminal justice, public safety, firearms, immigration-related enforcement, and victims’ rights. SB 1170 would enhance sentencing for selling dangerous or narcotic drugs to a minor when the drug sale contributed to the minor’s death; supporters, including grieving parents, argued it would hold dealers accountable, while opponents warned it would remove judicial discretion and increase prison terms for people with addiction. The committee also approved SB 1012, which narrows a restaurant-related concealed-carry restriction for properly permitted handgun holders in certain Series 12 restaurants; supporters framed it as a limited correction, while beverage industry representatives said it overrides property rights and creates confusion. SB 1511, requiring proof of lawful status for drivers using non-domiciled commercial driver’s licenses and allowing citations and possible impoundment, also received a do-pass recommendation after emotional testimony about trucking-related fatalities. The committee then took up a strike-everything amendment to SB 1100 creating an Arizona registration and disclosure system for lobbying on behalf of foreign adversary principals, with the Department of Homeland Security supporting the measure and civil rights advocates objecting that it could stigmatize people based on origin rather than conduct. SB 1004, dealing with GPS monitoring for homeless registered sex offenders, was amended to remove DPS as the monitoring agency and passed despite concerns about overcriminalization and loss of judicial discretion. SB 1213, which would bar probation for people unlawfully present in the U.S. and require ICE notification, passed over objections that it conflicts with existing probation statutes and raises constitutional concerns. SB 1402, requiring probationers on electronic monitoring to pay the fee, also passed, with opponents arguing courts already have discretion and should consider ability to pay. The committee next approved SB 1709, which mandates re-arrest, probation revocation, and consecutive prison terms for adults on probation for dangerous crimes against children who commit new offenses or violate probation; supporters said it was needed to protect children, while opponents said it strips judges of discretion and can punish technical violations too harshly. SB 1413, removing a $100,000 cap on restitution for serious injury or death caused by moving violations, passed after the county attorney’s office said the cap had already been found unconstitutional. SB 1416, updating missing-child notification procedures and requiring faster photo and media dissemination, passed unanimously after testimony from missing-child advocates. Finally, SB 1725, creating a civil and petty-offense remedy for excessive marijuana smoke or odor drifting onto neighboring property, passed after debate over private-property rights, medical marijuana protections, local control, and possible conflict with the Voter Protection Act; the committee also heard SB 1723, a domestic-violence-related bill expanding protective-order, bail, and parenting-time considerations, but the transcript cuts off before action on that measure.

Transcript Highlights:

• I’m happy that the Attorney General is going after those.
• But don’t you think that we now have an Attorney General who views this differently than previous attorneys
• the Attorney General’s office?
• for the attorney general's office?
• This is language that the Attorney General publicly said.

Summary: The House convened with prayer and the Pledge of Allegiance, then approved the House Journal by roll call vote, 115-6. Members then used points of personal privilege to honor Redd Foxx for Black History Month and to remember former Mayor Frank Klipsch, followed by the introduction of a first-grade special guest page for the day. The chamber also received first readings of three bills on mental health efforts in public schools, public labor organizations, and state contracts with certain telecommunications companies, along with committee reports recommending passage of several bills. The House then debated and passed several measures. A large vehicle-inspection bill, House Committee Substitute for House Bills 1838, 1692, 1695, 1983, 2036, 2662, and 2743, drew extended debate over whether inspections improve safety or impose unnecessary costs; it passed 104-43. House Bill 1917, a Jefferson County water district bill aimed at removing a local obstacle to a long-planned development, passed 148-2. House Bill 261, as amended, was approved 109-21 to require Missouri schools and universities to adopt nondiscriminatory policies protecting Jewish students from antisemitic harassment, using the IHRA definition as a guide while stating it would not limit First Amendment rights. Members also passed House Committee Substitute for House Bill 2384, 92-61, which would limit local energy-code mandates and reduce housing construction costs, despite objections that it would preempt local control and roll back newer codes. The chamber then moved into perfection and took up House Committee Substitute for House Bill 2989, a major gaming-regulation bill intended to legalize and regulate video lottery terminals and crack down on illegal machines. Multiple amendments were adopted, including a $250-per-terminal fee dedicated to developmental disability services, local opt-out and operating-hour provisions, a shorter grace period for existing machines, property-tax language, a 21-and-over restricted area requirement, a larger warning label, and a historical funding provision for the steamboat Arabia. Debate continued on the bill and its amendments, with supporters emphasizing regulation, local control, and new revenue, and opponents warning about gambling expansion, enforcement problems, and social harms.

Transcript Highlights:

• This question was focused on attorneys.
• This question was focused on attorneys.
• This question was focused on attorneys.
• This question was focused on attorneys.
• In fact, I think I remember a presentation by our Attorney General saying that he was not able to prosecute

Summary: The Senate convened with a quorum, opened with prayer and the Pledge, and agreed by unanimous consent to allow cameras on the floor and gallery, excuse several senators, and move to announcements and miscellaneous business. The chamber then adopted a ceremonial resolution honoring Lieutenant Governor Howie Morales for his years of service as Senate president and lieutenant governor, followed by extensive remarks from senators and Governor Michelle Lujan Grisham praising his leadership, fairness, education advocacy, and personal kindness. Morales briefly responded, thanking members, the governor, and his family, and noting he would offer fuller remarks on his final day. After messages from the House were read, the Senate adopted several committee reports. These included favorable action on Senate Memorial 31; House Judiciary Committee substitute for House Bill 70; House Bill 124, referred to Finance; Senate Joint Resolution 6, referred to Judiciary; Senate Joint Resolution 7; House Bills 103, 154, 165, and 285 as amended; and the Finance Committee’s amended report on House Appropriations and Finance Committee substitute for House Bills 2 and 3. The Judiciary Committee also reported Senate Bill 104 as duly enrolled and engrossed, and the body noted that SB 104 had been signed in open session. During personal privilege, Majority Floor Leader Peter Wirth discussed a State Ethics Commission advisory opinion on whether legislators who are attorneys may vote on medical malpractice cap legislation, arguing the issue is governed by Senate rules rather than the Governmental Conduct Act. He said he would continue to disclose his interests and vote under Rule 7-5, and also rejected a newspaper suggestion that he had a conflict in sponsoring a judgeship bill for the First Judicial District Court. The Senate then moved into third reading, beginning with Senate Rules Committee substitute for Senate Bill 264, which Senator Duhigg explained as an election-security measure responding to concerns about federal interference, intimidation, and emergency election disruptions; Senator Nava then spoke in support as a co-sponsor.

Transcript Highlights:

• And I don't have a lot of faith in all the county attorneys, but I have faith in most of our county attorneys
• This does not prevent someone who has committed a crime from being prosecuted.
• That is not what the bill prosecuted.
• </c> office to share data with the attorney office to share data with the attorney general<01:31:09.760
• </c><02:28:04.800><c> is</c> as criminal defense attorneys is as criminal defense attorneys is essential

Keywords: 1187, senate, all

Transcript Highlights:

• collaboration opportunities with the Attorney General's Office.
• She was prosecuted by the U.S.
• Our division is made up of dozens of attorneys, staff, and data analysts.
• fees used to prosecute and litigate these cases.
• I have a small contingent of local attorneys who go out and assist those district attorneys who have

Summary: The Senate Finance Committee met to hear interim charges on higher education transparency and on preventing fraud, waste, and abuse in state government. The chair emphasized accountability for taxpayer dollars and asked witnesses to address financial reporting, audit practices, and whether more frequent or comprehensive audits would improve oversight. Legislative Budget Board staff described how public university systems and most community colleges respond to requests about internal audit practices, noting that university systems generally follow a similar annual audit timeline and that community colleges use a more varied mix of internal and external audit arrangements. Members focused on gaps in reporting, especially Texas Southern University’s missing submissions for several years and Collin County Community College’s nonresponse to the LBB survey. The State Auditor’s Office then outlined its higher education audit work, including mandatory statewide single audits, DEI compliance audits, HUB and State Use Program audits, benefits proportional audits, and discretionary audits based on risk. The auditor said the office has released 43 higher-ed audit reports since fiscal year 2021 and has two audits in progress, and explained that internal audit reports from institutions help guide future audit selection. Senators pressed the office on the lack of enforcement authority, the value of internal auditors at each institution, and whether community colleges should have more standardized reporting and audit requirements. The auditor and general counsel said the SAO can refer suspected fraud to law enforcement but cannot itself enforce findings, while several senators suggested stronger clawback authority and more robust internal audit structures. The Texas Higher Education Coordinating Board explained that it collects annual financial reports, sources-and-uses data, and community college finance reports, and uses them for funding formulas and other reporting. It also trains governing board members and said it has limited regulatory authority, though community colleges must certify compliance annually and can lose eligibility for state funds if they do not. Members questioned the reliability of self-attested data, the adequacy of board training, and whether a single reporting structure would be more efficient. During public testimony, a ScholarShot representative argued for clearer, student-facing financial transparency so students can see total cost of attendance and the gap they must cover before enrolling.

Transcript Highlights:

• I'm a criminal defense attorney here in Maricopa County.
• I'm a volunteer attorney with Arizona Attorneys for Criminal Justice.
• I'm a volunteer attorney with Arizona Attorneys for Criminal Justice.
• According to some attorneys, say no. Some say yes. So this clarifies the law.
• According to some attorneys say no. Some say yes. So this clarifies the law.

Summary: The committee heard several public safety measures, beginning with HCR 2059, a resolution reaffirming support for county sheriffs and recognizing their constitutional authority in their jurisdictions. Supporters said it was a tribute to sheriffs’ work, especially in rural areas, while some members objected to language describing sheriffs as having “supreme constitutional authority,” calling it overly broad or tied to fringe legal theories. The resolution received a due-pass recommendation on an 8-3 vote. Members then considered HB 2811, which expands obstructing governmental operations to cover interference with a lawful arrest when violence or force is used. The sponsor said the bill closes a gap and should make such conduct a felony, while an opposing attorney argued existing statutes already cover much of the conduct and that the bill was duplicative and confusing. Despite concerns about the drafting and interaction of subsections, the bill received a do-pass recommendation. The committee also heard HB 4129, a proposed DPS-run mental health and wellness program for law enforcement funded with $15 million; the sponsor described it as confidential counseling and support for officers, but several members said it duplicated existing services and was too costly, and the sponsor ultimately withdrew the bill before a vote. The committee next took up HB 2270, which would expand protections for county seals and office insignia to include logos and other identifiers, and give sheriffs exclusive rights over posse names and dissolution. Sheriffs and county representatives said the bill was needed to prevent misuse of official names and to avoid litigation after disputes over posse identities; some members raised First Amendment and vagueness concerns about broad language such as “could imply” affiliation. The bill passed 12-1. HB 2416, a $20 million appropriation for border-related law enforcement support, drew strong support from sheriffs and county law enforcement groups who said the funds help with drug interdiction and border-related crime, and strong opposition from speakers who argued the money should go to schools, housing, health care, and other needs; it passed 7-5. Finally, the committee heard HB 4018, a strike-everything amendment clarifying sheriffs’ authority over volunteer posses and reserve organizations. MCSO and county officials said it was meant to clarify existing authority and protect public safety operations, while an opponent warned it could expand posse use into immigration enforcement and increase militarization. The committee adopted the strike-everything amendment and gave the bill a do-pass recommendation. HB 2253, barring retaliation against employees who testify in law enforcement disciplinary appeal proceedings, also passed after a chairman’s amendment removed one voiding provision. The transcript ends as the committee begins hearing HB 4044, which would create a Public Safety Parity Fund funded by forfeited digital assets and redirected investment deposits.

Transcript Highlights:

• happen at the attorney general's office, too.
• happen at the fraud um prosecutions happen at the attorney<00:35:10.240><c> general's</c><00:35:10.800
• And and attorney general's office, too.
• </c><00:42:45.680><c> general</c> control unit within the attorney general control unit within the attorney
• </c> you would see them doing or the attorney you would see them doing or the attorney general's<01:11

Keywords: 1183, house

Transcript Highlights:

• First, as an assistant district attorney in Middlesex and Suffolk counties, where I prosecuted gang-related
• District Attorney Association.
• , District Attorney Tucker.
• A very small number of the attorneys were private attorneys.
• But the district attorney District Attorney Hayden was correct.

Keywords: 1212, all

Transcript Highlights:

• Are you an attorney as well, senator? Am I excused?
• We are asking for an additional 8 attorneys.
• That gives us roving attorneys.
• And then we do a lot of problem solving with our roving attorneys.
• getting the one attorney that ultimately gets awarded that bid?

Keywords: 914, all

Transcript Highlights:

• Basically, we're talking about the Attorney General.
• With all due respect, he noted, and it should be noted, that Boone County Prosecuting Attorney Roger
• Boone County Prosecuting Attorney Roger Johnson noted the gratitude to have the assistance and expertise
• of the Attorney General's Office cold case specialist in helping on the case.
• So they can, the Attorney General... ...the Attorney General can go out, hire an investigator, and then

Keywords: 959, house, all

Summary: The House convened with prayer, the Pledge of Allegiance, and approval of the previous day’s journal by roll call vote, 102-1. Members then used points of personal privilege and special guest introductions to recognize constituents, advocacy groups, students, school officials, physical therapy advocates, domestic violence service providers, and others. One member delivered an emotional statement about the arrest of the suspect in his sister’s 26-year-old murder case, thanking law enforcement and prosecutors involved in the cold-case investigation. The chamber then took up House Bills 2097 and 1905, a measure to expand an agriculture education pilot program into a statewide option for elementary schools. Supporters from both parties described it as a way to teach children where food comes from, connect agriculture with literacy and math, and encourage interest in farming and related careers. The House adopted the committee substitute and perfected and printed the bills. Members also considered House Bill 2167, which would codify and expand authority for Attorney General investigators and, through amendments, address House and Senate security officers and certain other state officers. Debate centered on whether the bill improperly broadened the original subject and whether it would give too much arrest power or create safety and constitutional concerns. One amendment to the amendment failed on a roll call, 62-68-1, but the House adopted the St. Charles amendment 61-43 and then perfected and printed HB 2167 as amended. Finally, the House took up House Committee Substitute for House Bills 2747 and 2047, a clean-slate/automatic expungement bill. Supporters said it would give people who have completed their sentences a second chance and improve access to jobs and stability; the sponsor also explained a related change limiting death-penalty sentencing in hung-jury cases so judges would not impose death in that circumstance. The House adopted an amendment requiring expungements to be shared with consumer reporting agencies, then adopted the committee substitute and perfected and printed the bill as amended. The House also announced upcoming events and then recessed until 2 p.m.

Transcript Highlights:

• Um we the attorney general's office.
• <00:33:09.919><c> for</c><00:33:10.960><c> fraud</c> prosecutions for fraud prosecutions for fraud um
• </c> great efforts being made at prosecuting great efforts being made at prosecuting public<00:33:24.000
• </c> led to questions from the attorney led to questions from the attorney general<02:48:48.640><c> about
• </c> info briefings the judiciary attorney info briefings the judiciary attorney general's<03:26:20.560

Keywords: 910, house, all

Transcript Highlights:

• So this simply... ...can continue to increase as the attorney fees increase.
• The statute currently says they may impose attorney fees for their recovery of the prosecution of the
• Are these attorneys? Staff attorneys? Are they contract? Outside counsel? The outside counsel.
• And again, right now, they may charge the attorney fees.
• They don't have to charge the attorney fees now.

Bills: HB1163, HB1168, HR252, HR253, HCR103, HCR108, SB80, SB131, SB251, SB254, SB279, SB384, SB414, SB468, SB469, SB496

Keywords: fireworks, retail sales, fire safety, legislation, holiday celebrations, construction standards, precast concrete, DOTD, building regulations, minimum requirements, public projects, private projects, consumer protection, credit card fees, cash transactions, rounding practices, transparency, low-income, economic impact, residential construction

Transcript Highlights:

• I'm not opposed at all, but we're both attorneys.
• I was on the Commerce Committee as a staff attorney for four years. I do believe, Ms.
• I was on the Commerce Committee as a staff attorney for four years. I do believe, Ms.
• Cook, he claimed that he was the best staff attorney in the history of Commerce.
• And to what extent would the Attorney General, if this bill is challenged, would have the...

Bills: HB387, HB673, HB947, HB975, HB1102, HB1228, HB1229, HCR66, SB102, SB165, SB280, SB291, SB326, SB521

Keywords: engineering, land surveying, construction, state fire marshal, plan review, security cameras, abandoned property, blighted structures, property management, digital assets, abandonment, custodian, escheatment, blockchain, cryptocurrency, unclaimed property, state treasurer, Department of Public Service, statutory entities, public administration

Bills: HB85, HB94, HB276, HB323, HB374, HB586, HB656, HB998, HB1204, SB42, SB46, SB51, SB87, SB110, SB154

Keywords: animal abuse, registry, law enforcement, felony offenses, public notification, firearms, due process, confiscation, law-abiding citizen, government funding, self-defense, bail, contradictory bail hearing, Gwen's Law, pretrial detention, criminal procedure, child sexual abuse, child rape, sexual battery, oral sexual battery

Bills: HB527, HB580, HB28, HB3, HB360, HB425, HB354, HB527, HB580, HB28, HB3, HB360, HB425, HB354

Keywords: liability, off-roading, parks, participant safety, risk management, HB580, Alabama Healthy Schools Act, public schools, K-12, school nutrition, school meals, cafeteria, vending machines, fundraising sales, food additives, artificial dyes, ultra-processed food, processed food ban, student health, child nutrition

Bills: HB179, HB354, SB57, SB137, HB431, HB179, HB354, SB57, SB137, HB431

Keywords: campus chaplain, chaplain, school chaplain, volunteer chaplain, public schools, public K-12 education, public charter schools, local control, teacher support, student support services, religious volunteer, faith-based support, church-state separation, background check, sex offender registry, school volunteer, education policy, district attorney, compensation, constitutional amendment

Bills: HB3552, HB2984, HB4124, HB3934, HB3448, HB3131, HB4200, HB4201, HB3011, HB1912, HB3380, HB3881, HB3538, HB3851, HB3907, HB4430, HB4431, HB4457

Keywords: childcare, differential pricing, Department of Human Services, child care subsidy, licensed providers, emergency legislation, child care, subsidy program, annual report, program integrity, overpayments, ivermectin, over-the-counter medication, pharmacy immunity, healthcare access, FDA approval, prescription, public health, dentistry, licensing

Bills: HB3552, HB2984, HB4124, HB3934, HB3448, HB3131, HB4200, HB4201, HB3011, HB1912, HB3380, HB3881, HB3538, HB3851, HB3907, HB4430, HB4431, HB4457

Keywords: childcare, differential pricing, Department of Human Services, child care subsidy, licensed providers, emergency legislation, child care, subsidy program, annual report, program integrity, overpayments, ivermectin, over-the-counter medication, pharmacy immunity, healthcare access, FDA approval, prescription, public health, dentistry, licensing

Summary: The committee took up a series of health, human services, and related bills. House Bill 3552, allowing child care providers to bridge the gap between subsidy reimbursement rates and standard tuition rates, was adopted and reported out 11-2. House Bill 2984, as a substitute, would direct DHS to compile a report on the child care system, including subsidy payment error rates, the number of facilities, closures, and voluntary closure feedback; it was reported out 14-0. House Bill 4201, changing master teacher requirements in child care from licensed capacity to actual enrollment, also passed unanimously. House Bill 3380, creating the Fostering the Future for Oklahoma Children and Families Act to modernize foster care data systems and improve outcomes, passed 12-0. House Bill 4430 and House Bill 4431, both cleanup measures tied to prior nurse practitioner/PA scope and pharmacy-related provisions, each passed 13-0. Several bills focused on health care access, regulation, and public safety. House Bill 4124 would allow over-the-counter ivermectin sales for human use with labeling and dosing information; after extensive questioning about safety, labeling, children, and liability, it passed 9-5. House Bill 3934, a large amended measure affecting dental practice and supervision rules, passed 14-0 after discussion about x-rays, telemedicine, and dental assistants. House Bill 3448, requiring insurance coverage related to group home provider liability for property damage, passed 14-0. House Bill 3131, setting baseline standards and oversight for homeless shelters with roles split between Commerce and Health, drew concerns about local control, temporary shelters, and fiscal impact, but passed 8-6. House Bill 4200, creating a revolving fund for forensic assertive community treatment teams to address the jail-to-homelessness cycle for people with severe mental illness, passed 11-3. The committee also advanced several public health, consumer, and industry bills. House Bill 1912, the Corn Masa Nutrition Enhancement Act, generated extensive debate over folic acid fortification, parental choice, MTHFR genetics, and potential health effects; with a PCS allowing a non-fortified option, it passed 9-5. House Bill 3011 repealed the home brewing license while keeping home-brewing limits and sales restrictions, and passed 11-3. House Bill 3881, the Alternative Nicotine Products Regulatory Act, increased application costs and removed a registry deemed inconsistent with federal law, passing 13-0. House Bill 3538, targeting pharmacy benefit manager vertical integration and its effects on access and pricing, passed 13-0 after discussion of mail-order restrictions and pharmacy closures. House Bill 3851, defining private label/control label alcoholic beverages under the three-tier system, also passed 13-0. House Bill 3907, requiring direct-hire staffing for facilities serving vulnerable adults and children with a short temporary staffing grace period, passed 13-0. The committee then moved on to House Bill 4457, a specialty-drug/PBM measure, with discussion beginning about PBM practices and specialty pharmacy access.

Transcript Highlights:

• Thank you, Chair, for the attorney general's office.
• Uh, as you're attorney general's office.
• Uh attorney general offering &gt;&gt; Thank you.
• We did Attorney General Ashley Tanaka.
• You are both attorneys contradictory.

Bills: HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.