Transcript Highlights:

• These reflect errors in the budget change proposal.
• on further changes still.
• reason that we would want to change it.
• I mean, can technology change?
• The technology that is eligible for the program is already changing.

Keywords: 988, house, all

Transcript Highlights:

• There has been a request to share our enrollment list, our tribal enrollment list, and our council is
• And now what we're seeing is, and this is due to a changing policy at the federal level, changing guidance
• , what we're seeing is, and this is in part due to a changing policy, the federal level, changing guidance
• , what we're seeing, Changing policy at the federal level, changing guidance.
• And the data hasn't changed a lot. Thank you. ...together data. And the data hasn't changed a lot.

Keywords: 908, all

Transcript Highlights:

• That would have been life-changing.
• disrupting enrollment. disrupting enrollment. >> Appreciate<01:04:34.720> that.
• It also addresses a change in federal law regarding Pell Grants and changes Hawaii Promise from being
• <01:35:56.719> in<01:35:57.120> HB2338 the changes in HB2338 the changes in HB2338
• enrollment data to support the findings. enrollment data to support the findings.

Keywords: 910, house, all

Summary: The committees heard testimony on HB 1872, which would create an early learning apprenticeship grant program to help early childhood providers participate in approved apprenticeship programs, require annual reporting, and appropriate funds. Testifiers in support included the University of Hawaiʻi, the Executive Office on Early Learning, the City and County of Honolulu, Commit to Keiki, the Chamber of Commerce Hawaiʻi, the Commission on the Status of Women, Hawaiʻi Children’s Action Network Speaks, Parents for Public Schools of Hawaiʻi, and Kīʻoka Family Learning Centers. Supporters said the bill would reduce financial barriers, strengthen recruitment and retention, improve compensation and career pathways, and help address child care shortages and workforce instability. The committee then voted to pass HB 1872 with amendments, including an HD1 and a defective date to allow further discussion. The committee next took up HB 2489, which would appropriate funds for the University of Hawaiʻi to establish a bachelor’s degree program in American Sign Language interpretation, with a longer-term plan for a master’s program. Testimony in support came from the Disability Communication Access Board and the University of Hawaiʻi, and members also heard detailed support from DECAP and other advocates describing a statewide shortage of ASL interpreters, long waiting lists for ASL courses, and the need for locally trained interpreters who understand Hawaiʻi’s cultural and community needs. Witnesses said the shortage affects schools, courts, hospitals, emergency services, and other settings, and that the program could be expanded through articulation with other campuses. The committee voted to pass HB 2489 with amendments, again using an HD1 and defective date. After those two measures, the committee moved to HB 441 on campus safety, which would require students, including transfer students, to complete training on federal laws and university policies regarding sexual misconduct before initial registration and would change how often training is provided to students and employees. The University of Hawaiʻi stood on its written testimony, while supporters including IMUA Alliance and other testifiers urged passage, citing survivor experiences, national best practices, and the need for prevention before harm occurs. No vote on HB 441 was reached in the portion provided.

Transcript Highlights:

• Senate Bill 2514E makes various changes to education statutes to conform with the pre-K-12 education
• The statute changes are temporary and expire on July 1, 2027. Although the provisions of this...
• It does not change the employee's contribution rate, which remains 3%.
• If enrolled after July 1, 2011, the retiree must complete eight years, and that is the bill.
• If enrolled after July 1, 2011, the retiree must complete eight years, and that is the bill.

Summary: The Senate convened in special session with a quorum present, opened with prayer and the Pledge of Allegiance, and observed moments of silence for Coral Springs Vice Mayor Nancy Mateer and former Senator Bill Posey. The Secretary read the joint proclamation calling the special session, which was limited to budget, implementing, collective bargaining, retirement, education, health, taxation, corrections, fuel tax, and related conference-report legislation. Chair Hooper then outlined the process for taking up Senate conforming bills first, followed by House bills once received, in preparation for budget conference. The chamber passed several Senate bills and House companion bills, generally by 32-0 votes, after delete-all amendments were adopted to place the measures in proper posture for conference. Measures taken up included fuel taxes (SB 2506E), the state agency law enforcement radio system surcharge (SB 2508E), judges (SB 2512E), pre-K-12 education (SB 2514E), retirement (SB 2E/HB 5205E), higher education (SB 2516E/HB 5601E), health care (SB 2518E/HB 5301E), collective bargaining/state employees (SB 2504E/HB 5201E), government administration (HB 5203E), correctional facilities financing and capital improvements (HB 5403E), documentary stamp tax distributions (HB 5501E), petroleum cleanup programs (HB 5701E), and the general appropriations and implementing bills (SB 2500E/HB 5001E and SB 2502E/HB 5003E). In each case, the Senate either passed the bill as amended or, after failing to pass the House version as received, requested conference with the House. During debate on the tax package, Leader Berman urged lawmakers to consider suspending the motor fuel tax for the summer, citing high gas prices and the need for immediate relief at the pump. The Senate ultimately passed HB 7031E as a blank vehicle for conference and then requested conference with the House after failing to pass it as received. No substantive amendments were adopted beyond the conference-posture delete-all amendments, and no recorded opposition votes were cast on the measures considered. At the end of the session, the Rules Chair announced the Special Order Calendar Group would not meet that day or the next, and the Senate adopted a motion to establish the Special Order Calendar for the remainder of the special session by website publication and secretary announcement. The Senate then adjourned upon the call of the President for committee meetings and other business.

Transcript Highlights:

• which I heard are people talking about dementia and Alzheimer's disease, Alzheimer's disease creates changes
• These changes have brought and employment eligibility criteria and increased benefits payments, allowing
• partnership with our various agencies and stakeholders to ensure that families who make the life changing
• period where when applicants attempt to apply before or after the designated open enrollment period
• Are administrative code defines an annual open enrollment period from the first business day in January

Keywords: 999, senate, all

Transcript Highlights:

• times, changed SNAP to 'Supplemental Nutritional Assistance Program' five times, and changed the reporting
• This is a sea change.
• This is a sea change.
• We're not changing that. Whoa.
• We're not changing that.

Bills: SR145, SR146, SR147, SR148, SCR78, SCR12, HB302, HB221, HCR58, HB59, HB89, HB153, HB243, HB335, HB342, HB350, HB407, HB451, HB513, HB595, HB682, HB688, HB690, HB730, HB762, HB802, HB816, HB940, HB944, HB1003, HB1011, HB1029, HB1053, HB1058, HB1062, HB1064, HB1079, HB1084, HB1098, HB1161, HB1189, HB1203, HB1215, HB1247, HB1248, HB1251, HB1253, HB1257, HB1258, SCR3, SB393, SB401, SB415, SB426, SB435, SB487, SB488, SB523, SB56, SB163, SB341, SB504, SB322, SR125, SCR54, SCR59, SCR9, SCR58, SB35, SB65, SB215, SB246, SB249, SB269, SB282, SB296, SB323, SB363, SB369, SB474, SB490, SB492, SB500, SB514, HCR27, HCR28, HCR66, HCR67, HCR72, HCR5, HCR32, HCR49, HCR50, HCR53, HCR60, HCR62, HCR64, HCR68, HCR78, HCR81, HCR86, HCR97, HCR102, HCR31, HCR47, HCR3, HB1095, HB1096, HB1103, HB1129, HB1154, HB1166, HB1195, HB1230, HB316, HB511, HB799, HB1039, HB12, HB66, HB145, HB167, HB196, HB213, HB218, HB222, HB256, HB291, HB326, HB352, HB401, HB430, HB433, HB434, HB448, HB456, HB476, HB481, HB487, HB492, HB549, HB579, HB608, HB621, HB624, HB626, HB632, HB637, HB656, HB722, HB745, HB804, HB818, HB821, HB833, HB864, HB867, HB874, HB893, HB909, HB951, HB968, HB969, HB978, HB979, HB988, HB989, HB1001, HB1005, HB1007, HB1024, HB1032, HB1038, HB1050, HB1051, HB1056, HB1059, HB1077, HB1080, HB1081, HB1086, HB1108, HB1112, HB1153, HB1172, HB1173, HB1175, HB1192, HB1193, HB1204, HB1218, HB1242, HB1244, HB1249, HB1252, HB1254, HB1, HB2, HB3, HB42, HB45, HB71, HB79, HB158, HB160, HB169, HB227, HB251, HB289, HB312, HB313, HB314, HB330, HB383, HB394, HB410, HB429, HB769, HB971, HB983, HB1017, HB1126, HB1234, HB1235, HB17, HB27, HB36, HB41, HB47, HB73, HB126, HB133, HB140, HB159, HB166, HB205, HB211, HB226, HB259, HB271, HB308, HB310, HB324, HB337, HB351, HB399, HB403, HB571, HB712, HB723, HB726, HB740, HB750, HB759, HB812, HB844, HB966, HB1006, HB1009, HB1018, HB1036, HB1107, SB29, SB42, SB43, SB78, SB208, SB217, SB274, SB300, SB379, SB382, SB387, SB441, SB449, HB74, HB134, HB258, HB359, HB468, HB956, HB1117, SB149

Keywords: critical infrastructure, foreign adversaries, homeland security, task force, Louisiana Senate, military bases, oil and gas, refining facilities, energy generation, industrial manufacturing, agriculture, food supply, biosecurity, agroterrorism, Chinese Communist Party, People's Republic of China, Russia, Russian government, FBI, Secret Service

Transcript Highlights:

• where we currently have over 43,000 students that are currently enrolled in dual enrollment, we add
• So now students... ...enrollment. We add that as a criteria for the three.
• So now a student can have either two or three: the GPA, the ACT, or dual enrollment credits.
• And on page two, at the beginning of line one, change Section 3 to Section 4.
• On page two, at the beginning of line one, change Section 3 to Section 4. Okay.

Summary: The Finance Committee met on May 27, 2026, with six members present and took up a series of House bills, most of them dealing with education funding, criminal justice staffing, transportation, health care access, and economic development. HB 325 was reported favorably after testimony that it would expand TOPS eligibility by allowing dual-enrollment credits to satisfy eligibility criteria and by making part-time students eligible for TOPS Tech, with supporters saying the program has been underused and the change would help working students. HB 719 was amended and reported favorably to increase assistant district attorney positions in various judicial districts; the Louisiana District Attorneys Association said the changes were based on workload data and local input, and members discussed the need to coordinate any expansion with public defender funding. The committee also reported HB 749 favorably, which would move Louisiana’s 529 savings accounts to a more secure online platform after a cyber incident, and HB 1028 favorably, which concerns transportation reimbursement for providers and was described as already subject to appropriation. Several bills focused on food access and local economic development. HB 1222, the Grocery Initiative Act, was reported favorably to let LED use existing grant resources to map food deserts and develop a program, with members noting it could return for funding later if needed. HB 1194 was amended and reported favorably to define food deserts and direct the LSU AgCenter and the Department of Agriculture and Forestry to identify and map them, with authors emphasizing it was a study and not a government-run grocery program. HB 755, which would create IDIQ contracting for architects and engineers on smaller state projects, was reported favorably with no fiscal impact. HB 823, a local diversion pilot for Orleans Parish, was also reported favorably after the fiscal note was revised to remove state impact and reflect only local costs. The committee spent substantial time on HB 488, a proposal from Plaquemines Parish to use severance-tax revenue to help buy out a private toll concession on the parish’s bridge. The author and local officials described severe toll burdens, economic harm to local businesses, and what they called an unfair contract, but members noted the bill was not funded and ultimately deferred it without a motion. HB 797, the Bayou Gold/Louisiana Sound Money Act, was amended to make implementation subject to appropriation and then reported favorably. The committee also took up HB 198, which would raise Medicaid reimbursement for ambulatory surgery centers for certain outpatient procedures; after extensive discussion about fiscal notes, access to care, and potential long-term savings, the bill was amended to narrow its scope and make implementation subject to appropriation, then reported favorably as amended. The meeting ended with the chair noting it would be the committee’s last meeting and asking members to spread the word.

Transcript Highlights:

• This again really changed the way that we looked at survivors of human trafficking, mandated licensing
• This again really changed the way that we looked at survivors of human trafficking, mandated licensing
• and using the Florida Safe Line. you during the presentation and update on that and also the change
• They're enrolled in their school and GED programs and attending regularly.
• And while 82% of the youth were enrolled in school, nearly half of those that were enrolled were in a

Summary: The Committee on Children, Families, and Elder Affairs received three presentations and took no bill votes. The Department of Children and Families gave an extensive update on human trafficking prevention and services, describing Florida’s statutory framework, hotline and investigation data, placement options such as safe houses and safe foster homes, new adult safe house certification rules, expanded screening tools for vulnerable adults, and prevention efforts including youth-led outreach and training. Members asked about whether current funding is sufficient, how DCF addresses grooming and re-victimization in residential settings, and how long youth typically remain in safe-house placements; DCF said funding is only one part of the support system, that families and youth receive prevention resources even when allegations are not substantiated, and that placement length varies by child. OPPAGA then presented its 2024 annual report on commercial sexual exploitation of children. The report found that verified CSE victims slightly declined in 2023, with Broward, Miami-Dade, Duval, Hillsborough, and Escambia among the highest-prevalence counties. Most verified victims were community youth rather than children already in care, though dependent youth had higher rates of prior maltreatment. OPPAGA also reported continued concerns about limited placement capacity, especially for less restrictive Tier 1 safe houses, and service gaps such as the need for survivor mentors. Its recommendations focused on expanding placement options, improving data collection, and strengthening collaboration to support survivor mentors. Finally, DCF presented the Step into Success pilot program for current and former foster youth ages 16 to 26. The program combines workforce education, professional development, and paid internships with mentor support; the first cohort launched in 2024 with 15 participants, all of whom secured placements, and the department reported strong satisfaction and early outcomes. Committee members asked about scalability, costs, and whether the model could be moved beyond DCF-run operations into community-based providers. DCF said the program was designed to be scalable, currently costs about $500,000 annually for the pilot, and could be expanded statewide with additional funding and partner support. The committee adjourned after the presentations.

Transcript Highlights:

• IT CHANGED OUR ENTIRE ECONOMIC FUTURE AND GAVE US HOPE FOR A BETTER LIFE.
• THAT WILL CHANGE HEALTHCARE IN THE SOUTH FLORIDA MARKET.
• THESE CHANGES SUPPORT AND COMMITMENT TO ACADEMIC EXCELLENCE AND WORKFORCE READINESS.
• ARE THOSE STATUTES BEING CHANGED?
• SEN., THE BILL DOES A LOT OF REMOVING AND CHANGING NAMES.

Keywords: 999, senate, all

Transcript Highlights:

• We already have changing climate.
• He said enrollment is up anyway, with six straight semesters of significant enrollment growth.
• semesters of significant enrollment semesters of significant enrollment growth.<00:59:14.720>
• . changing. changing.
• it or change how we view it.

Keywords: 1187, senate, all

Transcript Highlights:

• The Enrollment Thank you, Mr. President.
• Now, remember section 67, 68 that no change to the Constitution could that no change to the Constitution
• Uh, I think we do have an enrollment committee. Did that meet? I think, Mr.
• Uh I think we do have an enrollment Uh I think we do have an enrollment committee.<01:34:58.360>
• met<01:35:12.800> and<01:35:12.960> finds Enrollment Committee has met and finds Enrollment

Keywords: In an effort to stave off issues that may occur with long format live streams, we have split this stream into two parts., 958, all

Transcript Highlights:

• the bottom line, this brought the excess available in FY26 from $292.6 million to $179.7 million, a change
• There are no changes to page two.
• The fourth item on the agenda concerns the reporting of five change orders in amounts exceeding $50,000
• So it will only be utilized up to the amount of kids that are enrolled in the program and accounts that
• How many do we have currently enrolled? There's a give or take about 6,000 kids. Okay.

Keywords: 965, house, all

Summary: The committee received the May fiscal status statement from the Office of Planning and Budget, which reflected the updated Revenue Estimating Conference forecast. The revised forecast reduced the FY26 general fund excess available from $292.6 million to $179.7 million and lowered projected revenues across the five-year baseline, including a drop in FY27 available funds and larger out-year imbalances. The statement was approved without objection. Members then considered several Facility Planning and Control items and approved them without objection: a $3 million LSU Health Sciences Center-New Orleans project to build out space in the Center for Advanced Learning and Simulation; a $343,600 increase for HVAC upgrades at the Louisiana War Veterans Home warehouse in Jackson; and a $700,000 increase for Southern University’s A.A. Lenoir Law Center addition. The committee also received, for information only, five change orders over $50,000 but under $250,000. The committee approved contract extensions and funding actions for several agencies. Louisiana Economic Development received approval for one-year extensions and increases for marketing contracts with Zender Communications and Graham Group. The Department of Education’s contract amendment for the Louisiana Gator ESA program with Odyssey was reported favorably after questions about the procurement process and how the contract amount relates to student enrollment. The Sabine River Authority’s $9.5 million operating budget increase and its 2026–2027 budget were approved favorably, with members discussing the planned takeover of Cypress Bend Resort operations. The Department of Health’s HERO Fund round of 15 grant awards, totaling about $4.6 million and projected to create 541 new health care credentials, was also approved favorably. Finally, the Water Sector Commission’s recommendations were adopted, including an additional $619,850 for St. Mary Parish Water and Sewer Commission No. 5 and $1.5 million in emergency subfund assistance for the city of Tallulah, conditioned on a limited fiscal administration order. The committee also reviewed a cooperative agreement between the Louisiana Community and Technical College System and its facilities corporation related to Act 35 projects, and then adjourned.

Transcript Highlights:

• From $292.6 million to $179.7 million, a change of $112.9 million.
• There are no changes to page two.
• The fourth item on the agenda concerns the reporting of five change orders in amounts exceeding $50,000
• So it will only be utilized up to the amount of kids that are enrolled in the program and accounts that
• How many do we have currently enrolled? There's give or take about 6,000 kids. Okay.

Summary: The committee first heard a fiscal status statement from the Office of Planning and Budget showing that updated Revenue Estimating Conference forecasts reduced the FY26 general fund excess available from $292.6 million to $179.7 million, with lower revenues across the five-year baseline and larger out-year imbalances. With no questions, the statement was approved. Members then reviewed several Facility Planning and Control items, including approval of a new $3 million LSU Health Sciences Center project in New Orleans funded by self-generated revenues, a $343,600 increase for HVAC upgrades at the Louisiana War Veterans Home in Jackson, and a $700,000 increase for Southern University’s A.A. Leno Law Center addition. The committee also received informational change-order reports and approved Louisiana Economic Development contract extensions for Zender Communications and Graham Group, as well as a Department of Education contract amendment for the Louisiana Gator ESA program with Odyssey after questions about the contract’s up-to amount and procurement process. The Sabine River Authority sought approval for a $9.5 million increase to its operating budget and its 2026-2027 budget, explaining the increase was tied to taking over the Cypress Bend Resort hotel and related property; members asked about long-term self-sufficiency and local support, and the items were approved favorably. The Louisiana Department of Health received approval for 15 HERO Fund grant awards totaling about $4.6 million to support 541 new health care credentials statewide. The Water Sector Commission’s recommendations were also approved, including $619,850 more for St. Mary Parish Water and Sewer Commission No. 5 and emergency subfund support for the city of Tallulah, conditioned on a limited fiscal administration order. Finally, members reviewed an agreement between the LCTCS Board and its Facilities Corporation under Act 35, and the meeting adjourned without objection.

Transcript Highlights:

• The first three sections amend the post-secondary enrollment options statute, that's PSEO.
• It modifies the definition of enrolling district to refer only to districts and charter schools and allows
• one year. the date that districts and charter schools have to begin complying with statutes with changes
• I was getting breakfast, two different constituents came up to me and acknowledged how much of a change
• You realize that the work that we do and the changes that we're making here will save lives, and I think

Bills: HF1306

Keywords: education, school policy, teacher training, student health, emergency response

Transcript Highlights:

• It's not enrollment, but it does get us closer to enrollment to allow some certainty.
• Are you, is changing it? Tell me again what you're going to change on that 2.203030.
• You all should change the Constitution.
• But at the end of the day, we have to, this has to be changed. This has to be changed.
• But at the end of the day, we have to, this has to be changed. This has to be changed.

Keywords: 959, house, all

Transcript Highlights:

• some programs that are changing many lives?
• That's not the city that I love, and I want to change that.
• This year, we have seen a 19% increase in year-over-year enrollment.
• Our School of Medicine has changed the way medical education occurs in the United States.
• Where do those changes occur?

Transcript Highlights:

• And so this amendment, well, I don't believe I'm changing any hearts and minds.
• What is, how do you define the incentive for those students who are currently enrolled?
• I'm referencing the students who are enrolled right now in a Florida college.
• And meanwhile, our open-enrollment colleges deeply benefit from their contributions.
• And remember, there's also colleges where it's open enrollment, so they accept everyone.

Summary: The House convened with prayer, a moment of silence for the Parkland shooting victims, quorum call, and the Pledge of Allegiance. The Rules and Ethics Committee special order report for February 13, 2025 was adopted, setting the day’s special order calendar and debate times. The chamber then took up immigration-related special order items, beginning with Senate Memorial 6C, which urged the U.S. Department of Homeland Security to provide guidance and training for 287(g) agreements. Members debated federal immigration policy and state cooperation with DHS, and the memorial passed 85-27. The House next considered Senate Bill 4C, an immigration bill creating new state offenses related to unlawful entry and reentry into Florida and requiring a mandatory death sentence for an unauthorized alien convicted of a capital felony. Members questioned the bill’s constitutionality, including Supremacy Clause, due process, and Eighth Amendment concerns, and several speakers argued it would create separate classes of people and invite litigation. Multiple amendments were offered to narrow or expand exemptions, including protections for Venezuelans on TPS, certain Haitian TPS and humanitarian parole recipients, undocumented people brought to Florida as children working in critical professions, and a proposal to delay action pending court rulings; all of those amendments were rejected. The bill passed 85-29. The chamber then took up Senate Bill 2C, which would create a State Board of Immigration Enforcement led by the Governor and Cabinet, establish a local law enforcement immigration grant program and advisory council, repeal the undocumented-student fee waiver, and appropriate more than $300 million for immigration enforcement. The sponsor described it as supporting cooperation with federal immigration agencies and ending the in-state tuition incentive for undocumented students. Early questioning focused on the impact on “dreamers” and whether the bill would effectively raise their tuition costs; the sponsor said it removed the incentive of in-state tuition but did not bar attendance. The transcript cuts off during that exchange, before final action on SB 2C is shown.

Transcript Highlights:

• People change, and of course we would hope that people would change if they were exercising.
• People change, and of course we would hope that people would change if they were exercising.
• :29.240> few is more changes within the first few is more changes within the first few years<00
• I have to have a systematic change.
• I have to have a systematic change.

Keywords: 1191, senate, all

Transcript Highlights:

• It just changes it from a shall to a may.
• changes a Thank you, Rob. changes a Thank you, Rob.
• This past year, my enrollment increased 5%. Got 300 kids. We picked up 15.
• This past year, my enrollment<00:25:52.640> increased enrollment increased enrollment increased
• Then we go to enrollment. Okay.

Keywords: 958, all

Summary: The Senate Education Committee heard House Bill 132, which would change home and hospital instruction funding so schools can be reimbursed sooner when students miss school for short-term mental health-related stays. Representative Nick Wilson said current law requires a student to be out five days before funding begins, leaving schools unpaid when they provide instruction during 2- to 4-day absences. The committee gave HB 132 favorable expression unanimously. The committee then heard House Bill 193, a cleanup bill on dual credit scholarships. Representative J.T. Payne and KHEAA’s director explained that the bill consolidates academic and CTE dual credit scholarships into one statute to reduce administrative confusion, since the programs have been funded together in recent budgets. HB 193 passed unanimously with favorable expression. House Bill 241 drew the most discussion. The committee first adopted a substitute, which members said changed the bill to give the Commissioner of Education discretion, rather than a mandate, to grant calamity days. The bill and substitute centered on virtual instruction and Cloverport Virtual Academy: supporters said the school was a pilot project that needed more time and that a prior agency effort to cap virtual instruction would have effectively shut it down, while opponents argued the substitute would reward a low-performing virtual model and extend NTI/virtual learning too broadly. Testimony from an Oldham County parent criticized NTI quality and opposed adding more virtual days. No final vote on HB 241 was included in the portion provided.

Transcript Highlights:

• But the legislature, you changed ago.
• We will stand on our written testimony, offering comments. change without federal rulem they can go change
• you qualify for a special enrollment you qualify for a special enrollment period.<01:44:38.800><
• <01:45:44.400> period And then the next open enrollment period And then the next open enrollment
• change the word used to is published change the word used to is published which<03:00:08.479> is

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.