Transcript Highlights:

• Last time they got, I think, $50,000, but it was repaid as a revolving loan. Is that correct?
• So it wasn't just a direct appropriation; it was a revolving loan.
• is that correct so it a revolving loan is that correct so it wasn't<00:24:45.840> just<00:24:
• And I have a question: this is a grant, right, not a loan? Okay, thank you.
• I'm better with loans than I am with grants, Mr. Chair. Miss D: Those would be two components.

Keywords: 1187, senate, all

Summary: The committee heard testimony on SF 818, a request for funding for the Block Builders Foundation, which provides financial literacy and job-readiness training for youth. Senator Fate and testifiers described a 12-week program covering budgeting, savings, banking, credit, debt, career exploration, job preparation, entrepreneurship, and mentorship. They said the program served youth ages 13 to 19, had expanded to multiple cohorts, and had produced graduation ceremonies and job placements. Testifiers also said the organization had transportation challenges and limited space, and that additional funding would help with staffing, participant support, and transportation partnerships. Committee members asked extensive questions about the program’s outcomes, funding sources, and finances. Block Builders said it had 40 graduates in the most recent cohort, with 30 placed in jobs, and that participants who complete the program receive a $500 stipend. The organization said it had been operating since 2023 in North and South Minneapolis, had received $50,000 from the state previously, and raised additional community support. Members also asked about IRS filing status, audits, and how outcomes were measured; the organization said outcomes were tracked through graduation and certificates, and that it had not yet filed a 990 because it had not reached the threshold. The bill was laid over for possible inclusion, with committee members noting the current language makes the appropriation available only through June 30, 2026 unless amended. The committee then began hearing SF 927. An A1 technical amendment was adopted without objection. Senator Pappas introduced the bill, which would appropriate $1.5 million to the Mung American Partnership for workforce development and business lending. The transcript cuts off before further testimony or committee action on SF 927.

Transcript Highlights:

• However, combined with my assistantship and maxing out my student loans of federal unsubsidized loans
• So I am forced to tap into my savings, put things on credit cards, or take out private loans at an even
• I've seen firsthand the effects of cut loans and delayed relief, and I've been entrusted to advocate
• funds, Pell Grants, and federally subsidized loans are withering.
• I had a roommate who paid her college tuition using loans with an insane interest rate.

Keywords: 995, all

Summary: The Joint Committee on Higher Education heard testimony on a broad set of bills focused on making public higher education more affordable and accessible, protecting student information, and changing social work licensure rules. Chair Rogers and Senator Comerford opened by emphasizing the committee’s focus on financial aid, tuition and fee waivers, scholarships, admissions, and institutional changes, and they reminded witnesses about the three-minute testimony limit. No votes were taken during the hearing. A large portion of the hearing centered on the “Super Act” (H. 1423/S. 218), which would eliminate the master’s-level social work licensing exam and create grant support for social work internships. Supporters—including students, practitioners, educators, and advocates—argued that unpaid internships and the exam create financial barriers, worsen workforce shortages, and disproportionately affect Black, brown, older, ESL, and other marginalized candidates. Opponents from the Association of Social Work Boards argued the exam is a necessary public-protection standard, helps maintain uniform licensure, and is important to the social work licensure compact; they said workforce shortages should be addressed through pay, working conditions, and caseloads instead. Committee members asked detailed questions about compact participation, exam accommodations, and how other states such as Rhode Island and Connecticut have handled similar changes. The committee also heard extensive testimony in favor of debt-free public higher education bills (H. 1436/S. 929). Witnesses, including students, faculty, advocates, and Senator Eldridge, said Massachusetts should expand on free community college by covering tuition and mandatory fees at public colleges and universities, with additional aid for living costs for lower-income students. Supporters said student debt delays homeownership, family formation, and career entry, and that the state should use Fair Share revenue to invest in public higher education. Some committee members voiced support but also raised concerns about prioritizing K-12 funding and the cost of expanding free college further. Several witnesses also supported bills to extend tuition and fee waivers to young adults raised by grandparents or other kinship guardians outside the DCF system, arguing that these students face the same trauma and financial barriers as foster youth but do not receive the same benefits. Representative Donato, Joseph O’Leary, Shauna Manning, Sandra Vecchio, Karen Gardner, Judy Walter, Elaine Arsenault, and others described the financial strain on grandparents raising grandchildren and urged parity with DCF-related waivers. In addition, Senator Jake Oliveira testified for a bill to protect public higher education student directory information from data mining and unauthorized sharing, and Deirdre Cummings testified for an open educational resources bill to reduce textbook costs. The hearing concluded with continued testimony on kinship care and college access, with committee members thanking witnesses and indicating follow-up on some bill language issues.

Transcript Highlights:

• It lowers the minimum loan amount for the Community Wealth Building program from $50,000 to $10,000.
• This is Senate-only language that modifies the Can Startup Loan Program by increasing the maximum state
• contributions to a loan and making other administrative clarifications.
• program by increasing can startup loan program by increasing the<00:43:10.720> maximum<00:43:
• and making other administrative loan and making other administrative clarifications.<00:43:16.480>

Keywords: 1187, senate, all

Transcript Highlights:

• This includes an existing programs like the mental health loan repayment program as well as new programs
• like the nursing loan repayment. program.
• Just a few highlights, you've got money in there for the Physician Education Loan Repayment Program,
• $28 million for mental health loans. repayment, $7 million for nurse faculty loan repayment, and $46.8
• Education loan repayment program back then so we're appreciative of keeping that funding level there

Keywords: 1184, house, all

Transcript Highlights:

• months piecing together an internal line of credit so we don't have to pay market-rate interest on a loan
• you talk about land and homes is so big in this work that the cost of capital, even for a short-term loan
• months piecing together an internal line of credit so we don't have to pay market-rate interest on a loan
• you talk about land and homes is so big in this work that the cost of capital, even for a short-term loan
• The cost of capital, even for a short-term loan, is substantial and is less money going toward our work

Keywords: 910, house, all

Summary: The House Committee on Housing held a public hearing on a series of housing bills. HB 1432 and HB 1428 drew support from HHFDC, and HB 1428 also received testimony from Hawaiian Community Assets, which said housing counseling funding is needed to meet demand for financial education tied to affordable housing, and that such counseling can help reduce evictions, prevent foreclosure, and stabilize households. HB 833 on community land trusts received broad support from HHFDC, county housing officials, community land trust representatives, and a local developer; testimony emphasized keeping housing affordable in perpetuity, but also asked for clearer access to financing, longer repayment terms, and inclusion of additional land trusts in the bill. Peter Savio argued that community land trusts are the best way to control demand and keep housing tied to local incomes. The committee also heard HB 19 on the Dwelling Unit Revolving Fund, which HHFDC said should be made permanent because the pilot has been successful, with 81 units in the program and $7.4 million of the $10 million allocation already committed. HHFDC said the fund helps stalled for-sale projects by providing state equity that revolved back when homes are sold. HB 529 and HB 432 were also heard; HB 432 would create a subaccount in the rental housing revolving fund for projects above 60% AMI, and HHFDC said this would help finance housing for households at 65% and 80% AMI. The bill drew support from several housing, business, and industry groups. Several other housing measures were discussed with mixed testimony. HB 419 had HHFDC support, Limby Hawaiʻi opposition, and support from the Grassroot Institute and others; members asked about whether councils approve these projects in one or multiple readings. HB 527 and HB 416 also drew a mix of support and opposition, with questions focused on county approval timelines and whether state-financed projects would still go through normal local review. HB 417 on the rental housing revolving fund prompted questions about how it differs from the Dwelling Unit Revolving Fund and whether it should be more flexible for mixed rental and for-sale projects. HB 418’s proposed working group was noted as potentially unnecessary because HHFDC said a public working group was already being formed. HB 1411 on housing preference raised questions about what happens if a recipient changes jobs, and HB 374 drew an Attorney General’s Office recommendation to remove a duration requirement to avoid possible constitutional travel issues. HB 373 and HB 1492 were also heard, with strong testimony from Peter Savio in favor of a broader trust-based model for affordable housing. No votes or final actions were taken during the hearing.

Transcript Highlights:

• Next up, we have PCB GOS 26-04, OGSR, Small Business Loan Program Information.
• economic development agency for the purpose of administering a state- or federally funded small business loan
• economic development agency for the purpose of administering a state- or federally funded small business loan
• We had small business loans, and they require a lot of information.

Summary: The Government Operations Subcommittee met to consider five proposed committee bills under the Open Government Sunset Review Act, which requires certain public record and public meeting exemptions to be reenacted before automatic repeal. Each bill was briefly explained by its sponsor or a member presenting on behalf of the sponsor, with no amendments or public testimony offered on any of the measures. The subcommittee favorably reported PCB GOS 26-01, preserving the Florida Gaming Control Commission exemption; PCB GOS 26-03, preserving the public emergency shelter address and phone number exemption; PCB GOS 26-04, preserving exemptions for financial information used in small business loan administration; PCB GOS 26-02, preserving the conviction integrity unit reinvestigation information exemption; and PCB GOS 26-05, preserving a Public Service Commission meeting exemption for portions involving proprietary confidential information. During discussion on the Public Service Commission bill, members asked about transparency and utility rate increases, and the sponsor responded that the exemption is narrow, has never been used, does not affect public discussion of rate increases, and does not limit lawsuits or discovery. All five PCBs were reported favorably by roll call vote. The chair then thanked members for their participation, noted that more bills were being referred to the committee, and adjourned the meeting without objection.

Transcript Highlights:

• You have another, that fertilizer project in the special session of '23, for a forgivable loan.
• And you see some of those numbers there in terms of grant awards, loans approved, total project value
• Today we have about $300 million in match loans out to qualifying companies.
• Today we have about $300 million in match loans out to qualifying companies.
• The normal limit for their loans or investments is $3 million.

Keywords: 908, all

Transcript Highlights:

• in which the court held that profits from prostitution did not include repayment of a loan.
• is extended to potential victims for travel or assistance, with an expectation that the loan will be
• <00:41:09.400> through they're going to repay that loan through they're going to repay that
• loan through prostitution prostitution prostitution um<00:41:14.040> the<00:41:14.280> so<
• it would be from a pimp right was a loan it would be from a pimp right yes<00:49:05.960> so<00

Keywords: 912, senate, all

Summary: The Judiciary Committee heard testimony on several bills. SB 335 would route objections by political party officers to candidate nomination papers through the Office of Elections. The State Election Director testified that his office was not the right venue for party-membership challenges because it could create conflicts and force the Attorney General to represent the chief election officer in court; members discussed whether all objections should instead go directly to Circuit Court, but no action was taken. SB 280 would expand first-degree negligent injury to cover injuries negligently caused by intoxicated drivers. The Public Defender opposed the bill as too harsh and urged either a lower penalty or clearer statutory definitions of “under the influence,” while the Prosecuting Attorney supported it as a needed increase in accountability for drunk drivers who actually injure someone. Committee members raised concerns about overlap with existing offenses, proportionality, and whether the change would increase jury-trial volume; the prosecutor responded that the bill would apply to a smaller subset of cases involving actual injury and would help ensure more serious treatment of those cases. The committee also heard SB 292, establishing Safe Harbor protections for survivors of sexual exploitation who seek medical or law enforcement assistance, with testimony in support from the Office of Hawaiian Affairs, HPD, U Alliance, and others, and no opposition. SB 31, concerning an additional penalty for dog owners whose dogs destroy property on agricultural land, drew only supportive testimony. SB 356 would require restitution in the form of financial support to the minor children of victims killed or disabled by an intoxicated driver; the Public Defender opposed it as better suited to civil court and questioned enforcement after probation, while the Prosecuting Attorney supported it and said courts can issue enforceable restitution orders. Testimony also strongly supported SB 1284, a proposed constitutional amendment prohibiting discrimination based on ethnicity, age, disability, ancestry, sex, sexual orientation, gender identity, pregnancy, and pregnancy outcomes, with supporters arguing it would strengthen protections in response to current political conditions. No votes or final committee actions were taken in the excerpt.

Transcript Highlights:

• timely manner in the senior loan timely manner in the senior loan agreement.<00:21:47.120> Now
• They loaned the money to Quick under a senior loan agreement.
• They loaned the money to Authority.
• <00:27:42.880> loan<00:27:43.120> agreement.
• So Quick under a senior loan agreement.

Keywords: Meeting Start 00:00:00 KentuckyWired Communications Network Authority 00:01:20 Artificial Intelligence and Free Expression 00:38:40, 958, all

Summary: The committee questioned KCNA officials about the Kentucky Wired network refresh, focusing on whether the equipment truly needed replacement now and what the vendor end-of-support dates were for the network’s layer 1, 2, and 3 equipment. Senators and representatives pressed for invoices, purchase orders, and vendor documentation, and KCNA staff explained that end-of-support dates vary by specific model and component, not just by broad product family. KCNA agreed to provide a detailed list of components, part numbers, and support dates, and acknowledged that some requested documentation had not yet been produced. A major point of discussion was the timing of the system refresh. KCNA said the 10-year refresh schedule comes from the project agreement, specifically Schedule 19, Section 2.1B, which requires the first system refresh to be completed by September 3, 2026. Committee members argued the network equipment appears to remain in service life for at least the next two years and questioned why an upgrade would be needed immediately. KCNA responded that failing to complete the refresh could excuse the service provider from contractual obligations and could constitute a material breach or default under the project and bond documents. Members also asked about network capacity and the impact on schools and state users. KCNA said it would need to check with Quark for an exact utilization figure, while the chair cited prior testimony that schools account for about 80% of traffic and KCNA about 20%. The committee raised concerns about schools not connected to the network and the effect of KCNA’s actions on continuity of service, while KCNA disputed that K-12 service had been put at risk. KCNA also explained the contract and payment structure: the Commonwealth’s project agreement runs through Kentucky Wired Infrastructure Corporation/Quark, with KEDA-issued bonds and funds flowing through Quark in a waterfall structure. The meeting ended with KCNA agreeing to request underlying vendor invoices from Quark, provide the requested contract documents, and supply information on the status of the wholesaler replacement procurement and related litigation. No formal vote was taken.

Transcript Highlights:

• Then 6.25 allows for loans in addition to grants.
• Then 6.25 allows for loans in addition to grants.
• <00:46:57.680> that interest coming in online loans that interest coming in online loans that
• ><00:48:40.160> a would need to provide this through a would need to provide this through a loan
• rather than a grant because of IRS loan rather than a grant because of IRS rules<00:48:45.000> and

Keywords: 1183, house

Transcript Highlights:

• Um, I mean, I would hope that every driver who's loaning out their car knows who they're loaning it to
• 36.480> who's I I would hope that every driver who's I I would hope that every driver who's loaning
• out their car knows who who loaning out their car knows who who they're<00:20:38.159> loaning
• <00:20:39.600> Um<00:20:40.080> otherwise<00:20:40.400> it's they're loaning
• Um otherwise it's they're loaning it to.

Keywords: 919, house, all

Summary: The committee heard House File 3966, a bill authorizing transit agencies and local governments to use bus-mounted cameras to enforce existing rules against illegally parked or stopped vehicles in bus lanes, bus stops, and bike lanes. Representative Jones, the bill’s sponsor, said the measure is intended to protect transit investments, improve bus speed and reliability, and keep lanes clear for riders. The bill was amended with the A1 author’s amendment before testimony began. Testimony was generally supportive. A representative from the City of Minneapolis said bus and bike lanes are frequently blocked, citing repeated blockages at 7th Street and Nicollet Mall and Lake Street at Lyndale Avenue, and said the city was working with the author on technical details. A representative from Hayden AI also supported the bill, describing automated enforcement systems used in other cities and arguing they improve safety, accessibility, and transit performance. She said the system only captures violations, deletes other footage, uses human review before citations, and does not use facial recognition. Members raised questions about cost, privacy, who receives citations, and whether the cameras could capture other data or non-vehicle obstructions. The author and testifier said the bill is limited to parked or stopped vehicles, that data protections mirror existing camera laws, and that citations go to the vehicle owner or lessee, with appeals available for stolen vehicles or other defenses. A proposed oral amendment to delete an appropriation section was discussed but not pursued. After debate, the committee voted on the motion to re-refer House File 3966, as amended, to the Judiciary, Finance, and Civil Law Committee; the motion failed.

Transcript Highlights:

• It authorizes the NMFA to make grants and loans for water projects from the Water Project Fund.
• This gives us the ability to make grants and loans from those authorized projects.
• That second one, we waive the match, we waive the loan component.
• The Finance Authority will still make the loans and grants.
• The Finance Authority will still make the loans and grants.

Keywords: 996, all

Transcript Highlights:

• In an era where federal default rates no longer reflect the true risk of student loans due to widespread
• The DPE ratio is calculated by dividing a program's median federal loan debt by its median annual earnings
• She said she was certain that the average medical school graduate will not break even on their loans
• student loan forgiveness programs, but that is not what SB 757 touches on, and education is valuable
• He pays his loans, is in compliance now, and will continue to be.

Summary: The committee heard and discussed several higher education and public school bills. Senator Burwell presented SB 1242 to remove an outdated Coordinating Board approval requirement for Texas State Technical College land and facility acquisitions, and SJR 59 to create a constitutionally dedicated endowment for TSTC capital needs; both drew strong support from industry and workforce groups and were left pending. SB 757, by Senator Middleton, would create a debt-to-earnings accountability system for public college programs, with supporters saying it would protect students from low-value degrees and opponents warning it could unfairly penalize programs with long-term value, especially graduate, medical, and public service fields; it was also left pending. SB 1241, by Senator Millington, would expand acceptable college entrance exams beyond the SAT and ACT, including the Classic Learning Test, and was left pending after testimony from CLT, homeschool, and student groups in support. SB 1085, by Senator Blanco, would let Sul Ross State University offer lower-division courses at its satellite campuses in the Middle Rio Grande region; it too was left pending. The committee then took up a series of public school and higher education measures, voting several out favorably. SB 605, as substituted, limits commissioner approval of charter school expansion amendments for schools under conservatorship or a management team and was reported favorably 9-0. SB 1871 and SB 1873, both by Senator Perry, were revised to narrow teacher immunity, clarify removal and suspension procedures, require periodic review of in-school suspension placements, and align discipline rules; both substitutes were adopted and reported favorably. SB 1872, SB 1874, SB 762, SB 1962, SB 1750, SB 2252, SB 2253, SB 2365, SB 1924, and SB 37 were also considered, with most reported favorably on party-line or near-unanimous votes. SB 1750 would replace a flat charter school facilities funding cap with an attendance-based formula; SB 2252 and SB 2253 address kindergarten readiness, early literacy/numeracy, and educator preparation; SB 2365 concerns student phone use during instructional time; SB 1924 restores local citation authority for certain school offenses and adds reporting, notice, and completion requirements; and SB 37 would expand state oversight of higher education curriculum, governance, faculty senates, and compliance with state law. Other measures heard included SB 769, which would require a Coordinating Board report on barriers faced by students with disabilities in higher education; supporters emphasized the need for better data and accessibility, while witnesses suggested broader reporting on race, disability types, and K-12-to-college transitions. SB 2231 would designate a Free College Application Week in October and was left pending. SB 1878 would modernize the Josie School statute and provide formula funding and aid eligibility for Polytechnic College. SB 1409 would authorize universities to offer self-funded student health benefit plans, with Rice University and Texas 2036 supporting the measure as a way to lower costs and expand coverage. SB 2431 would require universities to give foreign language credit for study abroad programs, SB 2314 would require schools to inform students about opting in or out of record sharing for direct admissions through My Texas Future, and SB 2138 would extend the state’s anti-ESG contracting restrictions to public higher education endowments and governing boards; these later bills were introduced and left pending.

Transcript Highlights:

• We're not a retail lender, so you can't come to New Hampshire Housing and get a loan.
• long before I knew uh housing uh VA loan long before I knew uh anything<01:27:29.360> else<01
• <01:27:34.639> we're<01:27:34.960> essentially<01:27:35.320> a and get a loan
• I also mentioned down payment assistance is a component of these loans, and that's not, uh, you know,
• and that's not component of these loans and that's not uh<01:29:02.080> you<01:29:02.199>

Keywords: 1189, house, all

Transcript Highlights:

• At the same time, we've seen the rise of cash-advanced NIL deals, high-interest loans, and contracts
• disguised as marketing support, arrangements that often function like predatory payday loans, but with
• We have pretty strict laws in California, but these loans are like sometimes six figures.
• And so, I mean, these are astronomical loans when you look at the size of it.
• And it turned out that the house was underwater, and the loan was more than the value of the house.

Keywords: 988, house, all

Summary: The committee held an informational hearing on name, image, and likeness (NIL) financial literacy programs and how NIL is affecting student athletes in California. The chair opened by noting California’s early leadership on NIL and the need to ensure athletes have the education and support to manage contracts, taxes, budgeting, and other financial decisions. Witnesses across the panels generally agreed that NIL has created new opportunities but also significant risks, especially for young athletes who may lack experience, legal advice, or consistent institutional support. Tyree Dillingham and Brandon Copeland described widespread financial vulnerability among student athletes, including confusion about pay, taxes, credit, and contract terms, and warned about predatory deals, cash advances, and conflicts of interest. They argued for standardized, mandatory financial literacy and stronger protections, including a players association model and limits on predatory practices. Mikey Williams and attorney Anthony Coronae gave a personal account of a NIL-related advance they said functioned like a payday loan, with terms they said were not fully understood and that left Williams owing money while his name and image were used to raise additional funds. They urged legal review, clearer rules, and guardrails to prevent similar exploitation. Adam Shore, athletic director at the University of the Pacific, and San Diego State representatives Brendan Hill and Sloan Benchoff offered an institutional perspective. Shore said college sports are in a chaotic transition, with transfer rules, revenue sharing, and NIL creating pressure on schools, but he also described existing support structures and suggested California consider adapting sports-agent registration rules and pursuing a national solution. Hill and Benchoff highlighted San Diego State’s mandatory multi-year life skills program, which includes financial literacy, internships, and career preparation, and said that model should be standardized statewide. No votes were taken; the hearing was informational and focused on testimony, questions, and policy ideas.

Transcript Highlights:

• I'm also curious, in the event of default on whatever the construction loan is, because the property
• Early on, the Housing Trust Fund made low-interest loans available to us, but that is no longer there
• . and the last three co-ops we've had loans available to us, but that is no longer there.
• There really isn't a share loan lender that is actively involved and eager to keep going.
• Our meeting is adjourned. a share loan lender that is actively involved and eager to keep going.

Summary: The Senate Housing Committee heard presentations on a range of housing finance, permitting, and affordability tools. Chattanooga described its affordable housing PILOT program, which uses a per-unit property tax abatement tied to the rent loss from providing affordable units, with a 15-year term and annual compliance monitoring. Committee members asked about the program’s structure, whether it had been used elsewhere, and who was participating; the presenter said the first mixed-income project would bring 278 units with 42 affordable units and that the model was attracting private market-rate developers. Shoreline then described its MFTE and inclusionary zoning approach, emphasizing that longer tax exemption periods and station-area zoning changes had helped spur development, with most current pipeline projects concentrated near light rail stations. The committee also heard from the Municipal Research Services Center and the Department of Commerce on tax increment financing, proportional impact fees, and permit timelines. Commerce explained that TIF can fund public improvements such as roads, utilities, broadband, and some affordable housing or child care facilities, while proportional impact fee guidance is intended to help jurisdictions charge fees more closely aligned with actual project impacts. On permit timelines, Commerce presented its first annual report under recent law changes, using 2024 as a baseline year and noting that reported timelines were generally longer than statutory goals; members asked about outliers, paper versus electronic processing, and whether back-and-forth between applicants and staff was driving delays. Commerce said it would follow up with more data, including on CHIP funding and permit reform practices. Several local governments then shared permitting process improvements. Auburn reported relatively short review cycles and described its move to fully electronic permitting, internal performance standards, and a stock plan program that speeds review for repeated home designs. Bellevue described an AI permitting pilot with a local startup to help with pre-application questions, document triage, and plan review, aiming to reduce incomplete applications and revision cycles. Seattle presented a pilot for accessory dwelling unit co-development in which a mission-driven partner would help homeowners split lots, finance, build, and manage ADUs, with the homeowner eventually buying out the partner and retaining ownership; committee members asked about rent setting, management fees, and default risk, and staff said they would follow up. The committee also heard brief overviews of community land trusts and limited equity cooperatives as permanent affordability models, with presenters urging continued state and local funding support and policy recognition for these approaches.

Transcript Highlights:

• kind of a, I don't know how to describe it other than a bank where we can actually make low-interest loans
• or guaranteed loans to farmers to, to get started or, or refinance if they're having trouble.
• I think we've we've asked to double the amount that we can loan those young farmers.
• us that they owe us. 2, we consider something, some type of safety net, some type of low-interest loan
• The rural Veterinary Incentive Program is a loan repayment program that allows graduates to pursue their

Transcript Highlights:

• Okay, these are the people who originate the... loan mortgages.
• This is for the originator of the loans. The contractor and the developer, yes sir. Okay.
• Someone who's carrying the loan? Could be. could be a bank, right?
• So, but specifically, you want to target the mortgage. loan originator, correct? Yes, sir.
• they want to have the... because this developer is writing loans, floating these loans for people, and

Bills: SB17, SB1569, SB2420, HB5138, HJR161, HB1937, HB3334, HB5444, HB5137, HB361, HB321, HB5447, HB464, HB678, HB2294, HB4172, HB3225, HB1769, HB5394, HB1837, HB1787, HB2271, HB2440, HB5134, HB5149, HB2151, HB2073, HB2186, HB2025, HB1936, HB1777, HB1663, HB 1306, HB 1290, HB1527, HB4802, HB3462, HB2963, HB2462, HB2560, HB644, HB2725, HB2621, HB2588, HB1443, HB1403, HB3032, HB1557, HB1664, HB2811, HB2088, HB2598, HB3062, HB3134, HB3940, HB4027, HB4097, HB4862, HB4170, HB4157, HB4205, HB4279, HB4377, HB4838, HB5424, HB5294, HB4870, HB4763, HB5639, HB4112, HB2275, HB1677, HB5014, HB3848, HB3797, HB3727, HB3709, HB3177, HB3057, HB4176, HB4202, HB2180, HB3528, HB3658, HCR76, HCR127, SB906, SB1229, SB855, SB703, SB1025, SB888, SB1119, SB1080, SB929, SB1355, SB2231, SB1877, SB1998, SB552, SB17, SB1569, SB2420, HB2697, HB3801, HB3488, HB3477, HB3466, HB3469, HB2594, HB2564, HB2298, HB5331, HB5646, HB5247, HB5323, HB4384, HB3896, HB4014, HB3627, HB3594, HB2524, HB510, HB561, HB 1181, HB3963, HB5111, HB2785, HB1661, HB200, HB1803, HB249, HB721, HB851, HB 1128, HB1904, HB30, HB1916, HB541, HB5560, HB3071, HB5627, HB5435, HB2688, HB3045, HB3483, HB4213, HB4226, HB783, HB175, HB4735, HB5155, HB5057, HB4813, HB5339, HB5196, HB5033, HB3486, HB4211, HB74, HB4730, HB4743, HB4463, HB4139, HB4752, HB4486, HB4437, HB4426, HB4396, HB4263, HB3487, HB3418, HB2266, HB2229, HB2189, HB5224, HB5195, HB3947, HB3358, HB3370, HB3745, HB3697, HB2001, HB1968, HB3371, HB3909, HB4944, HB2284, HB4506, HB3317, HB4166, HB3913, HB1768, HB4603, HB2494, HB3099, HJR138, HB133, HB3832, HB1988, HCR34, HB3421, HB3892, HB5138, HJR161, HB1937, HB3334, HB5444, HB5137, HB361, HB321, HB5447, HB464, HB678, HB2294, HB4172, HB3225, HB1769, HB5394, HB1837, HB1787, HB2271, HB2440, HB5134, HB5149, HB2151, HB2073, HB2186, HB2025, HB1936, HB1777, HB1663, HB 1306, HB 1290, HB1527, HB4802, HB3462, HB2963, HB2462, HB2560, HB644, HB2725, HB2621, HB2588, HB1443, HB1403, HB3032, HB1557, HB1664, HB2811, HB2088, HB2598, HB3062, HB3134, HB3940, HB4027, HB4097, HB4862, HB4170, HB4157, HB4205, HB4279, HB4377, HB4838, HB5424, HB5294, HB4870, HB4763, HB5639, HB4112, HB2275, HB1677, HB5014, HB3848, HB3797, HB3727, HB3709, HB3177, HB3057, HB4176, HB4202, HB2180, HB3528, HB3658, HCR76, HCR127

Keywords: foreign ownership, real property, national security, criminal penalties, civil penalties, personal information, higher education, privacy protection, governing board, institutional security, software applications, mobile devices, age verification, parental consent, data protection, app store regulation, HJR 161, Texas constitutional amendment, voting rights, non-citizen voting

Transcript Highlights:

• That's why these banks are unwilling to loan, and that's why there's a blacklist.
• That's why these banks are unwilling to loan, and that's why there's a blacklist.
• It would be a loan from HHF, and we would build a capital base.
• interest on this loan?
• with them on that loan amount.

Keywords: 910, house, all

Transcript Highlights:

• <01:23:41.600> By<01:23:42.080> by drowning in student loans.
• By by drowning in student loans.
• <01:27:58.080> Uh manageable amount of student loans.
• Uh manageable amount of student loans.
• And by the second semester, I had to take out a Minnesota SELF loan as well as a private loan just to

Keywords: 1187, senate, all