Video & Transcript Research : 'loan modification'

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HI

Hawaii 2026 Regular Session

JDC Public Hearing 02-06-2026

Judiciary

Summary: The Judiciary Committee heard testimony on several bills. SB 2444 would raise the real property exemption amount for attachment or execution, which the Attorney General said could create vague retroactivity language and litigation risk; the committee noted the exemption had last been adjusted around 1978. SB 2446 would add a seventh associate judge to the Intermediate Court of Appeals. Judiciary staff testified in opposition, saying recent internal restructuring and a pending vacancy had improved output and that it would be prudent to wait and see the effect before adding another judge. The Public Defender supported the goal of faster appellate resolution but said it would defer to the court’s assessment and had no objection to revisiting the issue later. The committee also discussed current appellate timelines, with staff saying at least 225 days is built into the process before a case reaches a merit panel, and that a two-year delay from panel assignment was realistic under the current structure. The committee then heard SB 2450, which would establish a presidential preference primary for the 2028 cycle. The Chief Election Officer said the election would cost about $4 million, less if combined with the regular primary. Several opponents argued the bill would add bureaucracy, duplicate or undermine party-run processes, and waste taxpayer money; one speaker estimated the total cost could be closer to $6 million when county costs are included. Supporters and committee members discussed that the measure would not require parties to use the results and that Hawaii remains one of the few states still using caucuses. The committee also asked whether counties could staff the election and whether the results would be useful given Hawaii’s current primary timing. SB 2453 would require the Office of Elections to include a notice with each ballot that a digital and printed voter information guide is available, with the notice in 32-point font as a separate insert. The Chief Election Officer said the insert would cost about $90,000 and asked for an effective date of January 1, 2027 because mailing preparations for the primary would already be underway. The Disability and Communications Access Board, League of Women Voters, National Federation of the Blind of Hawaii, and others supported the bill. The committee also began hearing SB 2461, which would have the Office of Elections prepare a questionnaire for candidates and publish responses online and in the voter guide; the Chief Election Officer said the office did not think it should be the agency to shape campaign questions, though he said it could work if the questions were specified in statute. Finally, the committee heard SB 2457, which would require a criminal conviction before seized property could be forfeited. The Attorney General and Honolulu Police Department opposed the bill, arguing it would prolong cases, increase storage costs, and make forfeiture less effective against crime, especially where owners flee, die, or hide assets through shell companies. The Public Defender strongly supported the measure, saying forfeiture should be tied to convictions and that people challenging forfeiture often lack counsel. The Honolulu Prosecutor also opposed the bill, but said it supported transparency, due process, and even a right to counsel; it argued conviction-only forfeiture would fail in cases involving fugitives, deceased suspects, or hidden ownership structures. The committee questioned what would happen to property if an owner could not be found, and the prosecutor said the outcome would depend on the type of property and could involve abandonment or interpleader proceedings.
OK

Oklahoma 2026 Regular Session

Senate Legislative Session Apr 27th, 2026 at 01:30 pm

Oklahoma Senate Floor Meeting

Transcript Highlights:
  • House Bill 3980 creates the rule loans assistance program.
  • I see the $50,000 and oh It talks about should these monies be allocated as a loan.
  • It talks about should these monies be allocated as a loan.
  • When would that loan have to be paid back?
  • It's not the loan to be paid back.
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 3/25/26

Commerce Finance and Policy

Transcript Highlights:
  • This is a combination of a bunch of the agency bills with crypto kiosks, residential mortgage loan servicing
  • , student loan borrowers, insurance lead generators, and Minnesota transaction real estate appraisal.
  • the lead generator portion I've already mentioned, some appraisal reporting requirements, student loan
  • appraisal reporting<01:46:03.440> requirements,<01:46:04.640> student<01:46:04.960> loan
  • reporting requirements, student loan reporting requirements, student loan borrowing<01:46:05.560
HI

Hawaii 2026 Regular Session

HSH-HLT Joint Public Hearing - Thu Mar 19, 2026 @ 9:30 AM HST

Human Services & Homelessness

Transcript Highlights:
  • This is sentence modification. I apologize.
Summary: The committee heard SB 709 SD2, which would require the Department of Health to respond to reports involving persons with severe mental illness, assess eligibility for assisted community treatment, and coordinate treatment when appropriate. Testimony from the Department of Human Services and the Department of Health supported the measure, with DOH saying it generally supported the bill but had comments on one section it viewed as unnecessary. The Department of Law Enforcement later explained that the bill would shift certification and standards for crisis intervention officer training from DOH to DLE, while still involving DOH in the training process. Opposition came from the Hawaii Disability Rights Center and an individual testifier, both of whom argued the bill expands state authority over people with mental illness and could worsen forced treatment practices. The Disability Rights Center also raised procedural concerns, saying the bill was effectively moved from a prior administration measure that had not been heard this session, and questioned whether the bill’s changes to assisted community treatment, blood tests, urinalysis, and living arrangements went beyond current law. The individual testifier argued the bill would further entrench harmful psychiatric drugging and urged the committee to defer it. Committee members questioned the administration about the bill’s process, the role of the Attorney General in treatment-over-objection proceedings, and the practical effects of moving CIT certification to DLE. The Attorney General’s office said the bill was intended to fill a gap by allowing it to assist with treatment proceedings, while public defenders would continue to represent respondents and due process protections would remain in place. DLE and DOH said the change would better align certification with law enforcement training needs, improve speed in crisis response, and still keep DOH involved; members also discussed whether WAM counted as a hearing and whether the bill should more explicitly preserve DOH’s role. No vote or final action was taken in the portion provided.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Feb 10, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • Um, what is your understanding in terms of a loan being made to a condominium building, let's say for
  • <00:26:13.760> What >> What happens if they can't repay the loan?
  • And so right now, uh, neither loans to either entities have happened.
  • And so right now, uh, neither loans to either entities have happened.
  • Um, let's move on then. >> So right now, uh, neither loans to either entities have happened.
Summary: The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown. The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information. On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose. The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.
TX

Texas 89th Regular

Health and Human Services Apr 1st, 2025

Health & Human Services

Transcript Highlights:
  • Secondly, it would give online access to contracts and proposed addenda or modifications to contracts
  • Both parties, the PBM and the pharmacy, would have to agree to the modifications.
Summary: The committee heard testimony on Senate Bill 883, which would protect physicians’ ability to prescribe off-label medications and treatments, framed by the author as a “Right to Treat” measure tied to COVID-19 care. Supporters, including physicians and patient-choice advocates, said the bill would safeguard the doctor-patient relationship and prevent interference by boards, pharmacies, or hospitals. Several witnesses described using hydroxychloroquine, ivermectin, budesonide, antibiotics, steroids, and monoclonal antibodies during the pandemic, and said they faced complaints, board scrutiny, or pharmacy refusals for those prescriptions. The bill was left pending after public testimony closed. The committee then took up Senate Bill 331, which would extend hospital price-transparency requirements to additional health care facilities such as freestanding ERs, urgent care and retail clinics, ambulatory surgical centers, outpatient clinics, and birthing centers. Proponents argued that broader disclosure of prices for shoppable services would help consumers compare costs and reduce surprise billing, while opponents from ambulatory surgery centers said the bill would impose costly compliance burdens on small providers and that insurers or the state already have much of the needed data. The bill was also left pending. Senate Bill 2422 would expunge Texas Medical Board records and impose reparations for disciplinary actions tied to COVID-era treatment decisions, including references to ivermectin, hydroxychloroquine, budesonide, and masks. The author and supporters argued that doctors were unfairly targeted for trying to save patients and should be made whole; the Texas Medical Board representative said most pandemic complaints were dismissed, that actions generally involved broader issues such as privileges, documentation, or informed consent, and that no physician was disciplined solely for prescribing off-label COVID medications. The bill was left pending. Finally, the committee heard Senate Bill 2207, which would loosen Texas Medical Board rules on physicians advertising themselves as board certified, especially by reducing barriers tied to maintenance of certification requirements. Supporters said the current rule is overly restrictive, inconsistent, and costly, and that it drives physicians out of practice; they also said Texas is one of only a few states with such a rule. Witnesses described hospitals using the rule against physicians and said the change would improve transparency and competition. The bill remained pending after testimony.
TX

Texas 89th 2nd C.S.

Disaster Preparedness & Flooding, Select Aug 22nd, 2025

Disaster Preparedness & Flooding, Select

Transcript Highlights:
  • This bill creates a disaster relief and prevention matching grant and loan program administered by TDM
  • disaster relief and prevention account and general revenue supported by legislative appropriations, loan
  • The program offers two forms of aid: matching grants and loans.
  • Individuals may access low-interest loans for up to 10 years for the repair and rebuilding of homes and
  • page 3, section lines 12, 13, and 14, allowing individuals to also access matching grants, not just loans
Summary: The committee met in special session to hear a series of flood, preparedness, and youth-camp safety bills, with members repeatedly noting that many of the measures were intended as planning, warning, or authority-clarifying bills rather than direct spending bills. House Bill 254 would expand eligibility for the Rural Infrastructure Disaster Recovery Program to include Kerr County and 18 other flood-affected counties by raising the GDP cap and lowering the poverty threshold; it drew no opposition and was left pending. House Bill 68 would direct a study of flood mitigation in flatland areas, especially in the Rio Grande Valley, to develop cost-effective drainage and infrastructure recommendations; local officials and advocates supported it, and it was also left pending. The committee then heard several youth camp bills tied to the recent Hill Country flooding. House Bill 75 would impose flood-aware building and site standards for youth camps near floodplains, and House Bill 71 would require camps and youth activity entities to submit emergency preparedness plans to TDEM, coordinate with local responders, and maintain readiness protocols; both bills were supported by safety advocates and camp representatives, and both were left pending. House Bill 171 would require campgrounds near flood-prone waters to give written flood-risk notice to campers and obtain signed acknowledgment; it was presented as informed consent and left pending. Testimony on these bills emphasized Camp Mystic and other recent flood tragedies, with some witnesses urging broader building-code and floodplain reforms. The committee also heard House Bill 117, which would let counties regulate impervious cover for flood mitigation in unincorporated areas. Supporters, including county officials, environmental groups, and residents, argued that rapid development in the Hill Country and other growing areas is worsening runoff and downstream flooding; opponents from the builders’ association said counties already have substantial authority and warned about overreach into rural property use. After extensive testimony, the bill was left pending. Senate Bill 18 would streamline permitting for certain flood control districts to repair dams and reservoirs and build small holding areas, and it was left pending after supportive testimony from Plum Creek Conservation District. Senate Bill 3 would create a state-backed outdoor flood warning siren program for identified flood-prone areas, funded through a grant program; witnesses generally supported it, though some cautioned that sirens are not sufficient by themselves and may not be heard indoors or in overnight storms. It too was left pending. The committee also began hearing House Bill 149 on public-safety radio interoperability, but the transcript cuts off before the bill’s full testimony or action is shown.
HI

Hawaii 2026 Regular Session

AGR Public Hearing - Wed Feb 11, 2026 @ 9:30 AM HST

Agriculture & Food Systems

Transcript Highlights:
  • Next up, we have House Bill 2216 relating to agricultural loans.
  • It appropriates funds out of the agricultural loan revolving fund to increase its expenditure ceiling
  • relating to agricultural loans. relating to agricultural loans. authorizes<00:33:38.960> the<
  • portion of its agricultural loan portion of its agricultural loan portfolio<00:33:43.600> to<
  • Next, we have House Bill 2216 relating to agriculture loans.
TX
Transcript Highlights:
  • Secondly, It would give online access to contracts and proposed addenda or modifications to contracts
  • PBMs and the pharmacy would have to agree to the modifications.
TX

Texas 89th Regular

Disaster Preparedness & Flooding, Select Aug 22nd, 2025

Disaster Preparedness & Flooding, Select

Transcript Highlights:
  • This bill creates a disaster relief and prevention matching grant and loan program administered by TDM
  • Supported by legislative appropriations, loan repayments, and private donations, the program offers two
  • forms of aid: matching grants and loans.
  • For both grants and loans, individuals may access low-interest loans for up to 10 years for the repair
  • and 14, if you would consider allowing individuals to also access matching grants, not just... ...loans
HI

Hawaii 2026 Regular Session

EEP Public Hearing - Thu Feb 5, 2026 @ 9:00 AM HST

Energy & Environmental Protection

Transcript Highlights:
  • One is maybe consider making this a revolving loan fund so that loan repayments can be reent and reused
  • The comments from the procurement office, but as an existing loan program, we have other existing loan
  • >> So it's something that we could put into the design of the loan program.
  • So you the design of the loan program.
  • continue capitalizing this loan program. continue capitalizing this loan program.
Summary: The committee heard testimony on several bills related to cesspools, wastewater, and clean water protections. On HB 2245, which would require additional denitrification capacity in wastewater systems near shorelines, the Department of Health offered comments, DLNR supported the bill, and multiple environmental and ocean groups testified in strong support, emphasizing nitrogen pollution from cesspools, reef damage, and the need to prioritize shoreline systems. Testifiers said the bill should move forward, with technical issues such as GIS mapping to be worked out later. No member questions or votes were taken on this measure. On HB 1985, concerning the Hawaii Green Infrastructure Authority and accessible conversion loans for cesspool homeowners, HGI supported the bill and suggested making the program a revolving loan fund; DLNR and the Public Utilities Commission also supported it, while the Department of Health supported the concept. Committee discussion focused on program design, possible forgivable loans for low-income homeowners, and whether the program should be administered through existing infrastructure rather than a new procurement process. The committee then moved to HB 1985’s companion discussion on cesspool conversion outreach and deadline extensions, where DLNR and DOH supported outreach but DLNR and ocean advocates expressed reservations about extending deadlines, especially for financial hardship, saying that issue would need careful work. The committee also heard testimony on HB 2079, which would reestablish the accessible upgrades inversion or connection income tax credit. The Department of Taxation raised administrative and fraud concerns about refundable credits, explaining that nonrefundable credits reduce tax debt while refundable credits can function like cash payments and require more oversight. DOH, DLNR, OPSD, counties, Hawaii Realtors, and environmental groups supported the bill, with one ocean coalition witness saying tax credits could help homeowners but grants would be preferable. Members asked about the difference between refundable credits and grants and about whether the credit would cover sewer connections versus individual wastewater systems. The committee then heard brief testimony on HB 1921, allowing certain priority-three cesspools to add a bedroom, with support from Hawaii Realtors and some other groups and no opposition discussion. HB 2232, preserving state water-quality protections at least as strong as the federal Clean Water Act, drew support from DOH and ocean advocates, with no questions. The committee also began hearing energy-related bills, including HB 1567 on energy equity and HB 1984 on self-certification for distributed energy resources, with a mix of support and some opposition or requested amendments, but no votes were taken in the portion provided.
AZ

Arizona 2026 Regular Session

02/03/2026 - House Commerce

Commerce

Transcript Highlights:
  • I keep hearing the term, this is a loan, this isn't a loan.
  • That's a loan.
  • loan.
  • Our stance is clear: if it looks like a loan and acts like a loan, it must be regulated like a loan.
  • it as a loan.
Summary: The House Commerce Committee heard and advanced several bills. HB 2181, as amended, would extend the deadline for funeral establishments to submit death certificates from 7 days to a maximum of 14 days and clarify that a provider’s medical certification period excludes weekends and holidays. The sponsor and a mortuary owner testified that the current timeline is often difficult to meet because of weekends, holidays, doctor availability, county delays, and family circumstances. Several members said the bill did not fully address the underlying compliance problems, but the committee adopted the amendment and passed the bill 6-4-1. HB 2682 would create a DES rental assistance program offering up to two months or $5,000 in aid, with a $5 million general fund appropriation for administration. The sponsor and a tenant advocate described the bill as a short-term bridge to prevent eviction and homelessness, while an industry representative said rental assistance is an effective early intervention tool. Some members raised concerns about limiting eligibility to households with children and about program administration, but the bill passed 7-4. HB 2698 would create a rental assistance study committee to evaluate program effectiveness and repeal in 2028; it passed on a 7-4 vote. HB 2476 would revise CPA certification and reciprocity requirements, creating multiple pathways to licensure and updating related rules and fees. Supporters said it would help address a CPA shortage and align Arizona with other states; after clarification from the sponsor and the State Board of Accountancy, the committee passed it unanimously, 11-0. The committee then heard HB 2308, which would bar dental insurers and certain holding companies from owning dental practices; the Arizona Dental Association supported it as a safeguard against vertical integration, while Delta Dental opposed it as overbroad and burdensome. The bill passed 8-0-3. Finally, the committee began hearing HB 2118 on mobile food vendors and local permitting, with the sponsor and food truck operators arguing for streamlined county/state licensing and reduced local duplication, while a vendor representative warned the proposal could affect existing local ordinances and private-property vendors.
TX

Texas 89th Regular

Higher Education Apr 8th, 2025

Higher Education

Transcript Highlights:
  • power plant may become an eventual need for A&M, and so that's statutory. uh, language was needed modification
  • like the value of the credential in terms of the net cost to obtain it, median wages, the student... loan-to-debt
  • ratio, loan-to-debt-to-income ratio between institutions and programs.
TX

Texas 89th Regular

Higher Education Apr 8th, 2025

Higher Education

Transcript Highlights:
  • Those who work in public service can attain loan forgiveness.
  • Public Service Loan Forgiveness is a federal program that provides federal student loan debt forgiveness
  • forgiveness programs. service loan forgiveness plan.
  • It's less than $25,000 if they have any student loans.
  • There are loan forgiveness programs and so forth.