Transcript Highlights:

• I uh encountered a major financial catastrophe in my life.
• I uh encountered a major financial catastrophe in my life.
• I uh encountered a major financial catastrophe in my life.
• I uh encountered a major financial catastrophe in my life.
• I uh encountered a major financial catastrophe in my life.

Keywords: 1189, house, all

Transcript Highlights:

• Potential solar radiation modification results are not well understood and could be catastrophic, affecting
• Potential solar radiation modification results are not well understood and could be catastrophic, affecting

Bills: HB60

Keywords: geoengineering, weather modification, environmental safety, atmospheric pollutants, criminal pollution, Meeting Start: 00:00:02 Roll Call: 00:00:08 26 RS HB 60 - AN ACT relating to geoengineering: 00:01:35 Department of Corrections Update: 00:32:59 Kentucky Parole Board Update: 01:19:21, 958, all

Transcript Highlights:

• This is a really hard subject in our Indigenous community, and it's not one that's just a recent catastrophe
• This is a really hard subject in our Indigenous community, and it's not one that's just a recent catastrophe

Keywords: 1187, senate, all

Transcript Highlights:

• The massive cuts to Medicare on this bill will unleash catastrophic impacts across my district. Ms.
• constitutional crises, in the throes of a housing and cost-of-living emergency, and in the face of catastrophic

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, May 21, 2025, 1012, house, all

Transcript Highlights:

• those benefits are cut, then that will exacerbate—it'll turn what is right now a crisis into a catastrophe
• those benefits are cut, then that will exacerbate—it'll turn what is right now a crisis into a catastrophe

Keywords: 1187, senate, all

Transcript Highlights:

• I urge you to truly consider the catastrophe that would be House File 6 if allowed to pass, the provision
• I urge you to truly consider the catastrophe that would be House File 6 if allowed to pass, the provision

Keywords: 1183, house

Transcript Highlights:

• Um, we just note that the deductibles for bronze and catastrophic plans are very high.
• Um, currently, you know, bronze and catastrophic plans are still EHB plans under the Affordable Care
• Um, currently, you know, bronze and catastrophic plans are still EHB plans under the Affordable Care

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.

Transcript Highlights:

• While it won't stop things completely, it will prevent catastrophic losses.
• daily cap on cryptocurrency ATM withdrawals won't stop scammers entirely, but it will prevent catastrophic
• daily cap on cryptocurrency ATM withdrawals won't stop scammers entirely, but it will prevent catastrophic

Keywords: 1191, senate, all

Transcript Highlights:

• And again, I want to stress we're talking about the most catastrophic of insolvencies.
• 00:21:42.159> about<00:21:42.559> the<00:21:42.880> most<00:21:43.200> catastrophic
• <00:21:43.919> of talking about the most catastrophic of talking about the most catastrophic

Keywords: 1189, house, all

Transcript Highlights:

• state that they couldn't find the funding for inadequate public education and special education catastrophic
• public education and special inadequate public education and special education<03:31:22.800> catastrophic
• <03:31:23.520> aid<03:31:24.160> and<03:31:24.399> push education catastrophic
• aid and push education catastrophic aid and push policies<03:31:25.600> that<03:31:25.920>

Keywords: 928, house, all

Summary: The House Education Policy and Administration Committee met to hear a non-germane amendment to House Bill 131, which concerns bullying and cyberbullying prevention. Representative Glenn Cordelli, the prime sponsor, said the amendment was intended to revise and improve language from last year’s SB 210 and to incorporate measures from a cyberbullying bill previously passed by the House. He described changes to school communication requirements, mandatory reporting of bullying and retaliation, stronger investigation and collaboration requirements for cross-district cases, added safety and remediation language, a required conference with the alleged perpetrator and parents if available, updated reporting deadlines, and disciplinary consequences for harassment, intimidation, retaliation, and false reports. He also noted a later amendment would be needed to insert the words “the perpetrator” in one section, and he explained that some changes were meant to align with prior legislation and legislative drafting suggestions. Committee members raised several concerns. Representative Murray questioned the treatment of private and parochial schools, the change from gross negligence to negligence, and the removal of a definition of bullying based on imbalance of power and perceived characteristics. Representative Damon also objected to deleting that definition, arguing it would narrow the scope of bullying too much. Representative Han spoke in opposition, saying the amendment was too broad, unnecessary in parts, and not ready for final action; he criticized the removal of the imbalance-of-power language, the conference requirement when parents may not participate, and the reporting obligations for bus drivers and others. Cordelli responded that some issues were already addressed in prior law or SB 210 and that private schools have their own policies. Michelle Wongran of New Hampshire Legal Assistance testified in opposition, saying the bill was being heard without enough notice and that it does far more than the committee analysis suggests. She said the amendment adds undefined retaliation language, imposes reporting duties on school vendors and contractors, may conflict with FERPA and other federal privacy rules, and includes provisions that could have serious implications for schools and students. She said she supports parental involvement and some conference provisions in concept, but urged the committee to reject the amendment or at least send it through the normal legislative process for fuller review. No vote was taken during the hearing portion described in the transcript.

Transcript Highlights:

• year-round and additional resources, including aircraft, are required to effectively suppress catastrophic
• including aircraft, are required to effectively<03:08:03.640> suppress<03:08:04.640> catastrophic
• effectively suppress catastrophic effectively suppress catastrophic wildfires.<03:08:06.720>

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, June 3, 2025, 1012, house, all

Transcript Highlights:

• And that is the financial pressure the insurance carriers are facing as the result of large catastrophic
• carriers are facing as the result result result of<00:10:34.600> large<00:10:35.280> catastrophic
• <00:10:36.160> weather<00:10:36.560> events of large catastrophic weather events of
• large catastrophic weather events that<00:10:37.200> are<00:10:37.320> leading<00:10:37.800
• We don't have the same type of weather catastrophic threats that other states do.

Keywords: 928, house, all

Summary: The committee held a public hearing on Senate Bill 562, which would create a home damage mitigation and resilience grant program aimed at helping homeowners make property improvements that could reduce insurance costs and non-renewals. Commissioner DJ Bettencourt of the New Hampshire Insurance Department explained that the program is modeled in part on Alabama’s safer homes program, but tailored for New Hampshire hazards such as floods, microbursts, heavy snow, ice, and falling trees. He said the grants would be limited to primary residences, subject to a means test, capped at $10,000, and intended to help homeowners make targeted improvements such as roof fortification or tree removal that could improve underwriting outcomes and lead to premium discounts. Bettencourt said the program would not use state taxpayer funds and would instead rely on philanthropic donations, possible federal or regional housing-bank funding, and other outside sources. He said the department would not need new staff, and that a current position could be reconfigured to help administer the program part-time. Committee members asked about the funding language, the meaning of “loans” in the bill, whether there were any other states using a similar no-state-funds model, and how many homeowners could be helped. Bettencourt said Rhode Island and Connecticut were moving forward in a similar way, and that the number of beneficiaries would depend on how much money is raised. Members also questioned how the grant program would actually lower premiums, whether savings would apply only to participants or more broadly, and how the IBHS evaluation process would work. Bettencourt and department staff said the direct benefit would be to the homeowner whose property is improved, though neighbors could also benefit in some cases. They explained that IBHS is a building-safety organization that certifies contractors and inspectors and that its standards can qualify homes for insurer discounts. Questions were also raised about confidentiality provisions, first-come-first-served grant awards, rollover of unused applications, and possible tax treatment of donations. The sponsor said those details would be addressed through rulemaking or existing tax rules, and no vote was taken during the hearing.

Transcript Highlights:

• listening to this hearing is that we have a gross misunderstanding and what I would consider to be a catastrophic
• > be<04:44:20.878> a what I would consider to be a what I would consider to be a catastrophic
• ignorance<04:44:23.440> of<04:44:24.160> how<04:44:25.520> public catastrophic
• ignorance of how public catastrophic ignorance of how public schools<04:44:26.240> work,<04:44

Keywords: 1189, house, all

Transcript Highlights:

• And not only have they failed, they have failed catastrophically, and look no further than the bills
• And the only reason that that wasn't catastrophic for the Boundary Waters is because that mine is on
• 32.958> wasn't And the only reason that that wasn't And the only reason that that wasn't catastrophic
• > the<05:54:34.878> boundary<05:54:35.360> waters<05:54:36.240> is catastrophic
• for the boundary waters is catastrophic for the boundary waters is because<05:54:36.718> that

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, January 21, 2026, 1012, house, all

Transcript Highlights:

• by an unaffordable health care system on top of our current extreme economic pressures, can be catastrophic

Keywords: 995, all

Summary: The Joint Committee on Financial Services held a lengthy public hearing with more than 70 people signed up to testify, focusing mainly on health insurance and health care access bills. Early testimony centered on H.1257/S.712, which would require insurance coverage for medically necessary treatment of genetic craniofacial conditions. Supporters included legislators, dentists, and medical experts who said these conditions are not cosmetic, can severely affect eating, speech, pain, and social functioning, and often create major financial hardship because insurers deny coverage. A related dental bill, H.1262/S.676, drew technical testimony from the Life Insurance Association of Massachusetts about implementation issues with the 2022 dental loss-ratio law, while the Massachusetts Dental Society supported H.1306/S.696 on transparency in dental network leasing and opposed H.1262. Representative Gentile also testified for H.4013, which would ban for-profit acute care hospitals and for-profit health insurers in Massachusetts, arguing that profit incentives undermine patient care. A major portion of the hearing was devoted to H.1261/S.799, a bill to protect patients from surprise ambulance bills. Municipal fire chiefs, Boston EMS, nonprofit ambulance providers, and the bill’s Senate sponsor said the measure would require insurers to pay ambulance providers directly and promptly, cap patient out-of-pocket costs, and reduce confusion caused by out-of-network billing. Witnesses described ambulance services as essential public health infrastructure and said current billing practices can discourage people from calling 911 or leave municipalities and nonprofits unable to recover costs. Committee members asked about unpaid debt, municipal billing burdens, and how the bill would affect rates and reimbursement. No votes were taken during the hearing. The committee also heard extensive testimony on H.1249/S.805, which would require screening for PANS/PANDAS in medical and clinical settings. Legislators, clinicians, parents, a teen with the condition, and educators described PANS/PANDAS as an infection-triggered inflammatory illness that can present as sudden psychiatric symptoms and is often misdiagnosed as a mental health disorder. Supporters said routine screening at well visits, emergency rooms, and other clinical settings would help identify children earlier, reduce unnecessary psychiatric treatment and hospitalizations, and improve outcomes. Testifiers repeatedly urged favorable action, emphasizing the personal and financial toll on families and the potential for early treatment to prevent long-term harm. The hearing concluded with continued testimony on these bills; no committee action or votes were announced.

Transcript Highlights:

• fellow North Dakotans' concern, as well as an honest effort to ease the hardship that this landmark catastrophe

Keywords: 908, all

Transcript Highlights:

• fellow North Dakotans' concern, as well as an honest effort to ease the hardship that this landmark catastrophe

Summary: The committee met in Fargo and approved the minutes from the March 31 meeting before hearing a series of informational presentations focused on North Dakota agriculture, water, and research. NDSU President David Cook opened with remarks about NDSU’s land-grant mission, emphasizing statewide service through research, teaching, and extension, and highlighting examples such as the Lilac Agriculture startup and the university’s role in applying research to real-world problems. He said he intends to spend time listening across the state to better understand local needs. The committee then received a detailed presentation on a state irrigation and drainage study from Tom Bodine on behalf of Agriculture Commissioner Doug Goehring. The study projected significant potential for expanded irrigation acreage, especially in counties such as McLean, Williams, Sargent, Burleigh, Mountrail, McKenzie, McIntosh, Dunn, and Bottineau, and estimated major economic gains from irrigation, including higher farm returns and support for value-added agriculture. Members discussed water permits, surface water versus aquifers, infrastructure, drought resilience, and the role of legal drains in improving productivity and generating economic activity. The presenters also noted that the full report is available online. Dr. Greg Lardy followed with NDSU’s required interim report, outlining the university’s agricultural research and extension system, including the State Board of Agricultural Research and Education, seven research-extension centers, and the economic importance of agriculture to the state. He highlighted recent research impacts such as new crop varieties, potato breeding successes, virtual fencing, AI-assisted weed control, weather-network tools, and 4-H programming. He also described NDSU’s budget priorities: restoring the governor’s proposed 10% cuts, additional operating support, and deferred maintenance funding. Committee members asked about the new agricultural field lab, storage sheds, and NDSU’s partnership with Grand Farm. The committee also heard from the North Dakota Water Resources Research Institute and a professor presenting water-related research, including data center cooling, water reuse, smart irrigation, and a feasibility study on co-locating data centers with greenhouse and aquaculture production. Members asked about water use, ownership, and whether the concepts were operational or still speculative. Finally, North Dakota AgTech presented its NSF-funded innovation engine work, describing startup commercialization, on-farm trials, workforce development, and partnerships with NDSU, UND, tribal colleges, and other land-grant institutions. No formal votes were taken beyond approval of the prior meeting minutes.

Transcript Highlights:

• He added that state police normally show up when there is a catastrophe.

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:

• But state police normally show up when there's a catastrophe. That's right. And I've seen them.

Summary: The House Committee on Commerce met on May 18, 2026, with a quorum present and the chair noting it was the committee’s last meeting of the session. The committee first considered Senate Bill 254, which would prohibit certain excess debit card surcharges and authorize enforcement by the Attorney General. After adopting technical amendments and a committee amendment requiring written notice before a private right of action, the bill was reported favorably as amended. The committee then took up Senate Bill 80 on broadband administration fees and GUMBO program closeout. Members questioned the proposed increase in administrative and contractor fees, the timing of project completion, and how withheld reimbursements would work for utility damage. After adopting several amendments, including cleanup language and a provision to restore the reimbursement process, the bill was reported favorably as amended, though the Louisiana Telecommunications Association voiced concerns about the withholding language and lack of a clearer fault-determination process. The committee next considered Senate Bill 469, updating the Louisiana Underground Utilities and Facilities Damage Prevention Law. Technical amendments were adopted, along with amendments clarifying that the bill’s 30-day notice to utility owner-operators is separate from existing GUMBO notice requirements and creating a rapid dispute-resolution process involving the Office of Broadband, the utility operator, and the local governing authority. Testimony from broadband and municipal stakeholders emphasized the need for quicker responses to excavation damage and better enforcement, while some witnesses raised concerns about the late amendment and the need for clearer recourse and standards. The bill was reported favorably as amended. Senate Bill 468, dealing with fuel rewards programs and fuel discount limits, was also amended to allow such discounts while capping them at $1 below the advertised price; it was reported favorably as amended. Senate Bill 131, concerning attorney’s fees and costs in professional licensing disciplinary proceedings, drew testimony from a cosmetology board representative and the Pelican Institute. Supporters argued the bill would curb incentives for boards to generate revenue through enforcement and give licensees a fairer opportunity to resolve cases; board testimony noted that some boards already have fee caps and that enforcement actions are relatively limited. After adopting an amendment clarifying when a licensee is the prevailing party, the bill was reported favorably as amended. Senate Bill 251 on critical infrastructure protection also received technical amendments and several substantive changes, including adding ports and airports to the definition of critical infrastructure, clarifying “significant access,” adding a knowledge requirement, and adjusting exemptions and enforcement timing; it was reported favorably as amended after testimony from State Armor representatives about foreign adversary threats. Finally, House Resolution 253 was introduced to create a task force to study how post-2005 building code additions and inspection requirements affect residential construction costs, with the sponsor explaining the goal was to gather industry input and return recommendations next session.

Transcript Highlights:

• We could have potentially some catastrophic consequences, according to them, not according to me.

Keywords: 959, house, all