Video & Transcript : 'funding resolution' :
Page 87 of 500
AL
Alabama 2025 Regular Session
Alabama Senate County and Municipal Government Committee Apr 8th, 2025
County and Municipal Government
Transcript Highlights:
- Um, ADM state funding? Yes, there was. Um, ADM state funding? Yes, there was.
- Um, our net foundation funding was and is our net foundation funding was and is our net foundation funding
- But again, state funding is um there. But again, state funding is um there.
- The other part is the local funding. And as I part is the local funding.
- Our state funding increased by $18 million, but our local funding decreased million, but our local funding
Committee:
Senate County and Municipal Government
Keywords:
primary election, election calendar, off-presidential year, May primary, second Tuesday in May, fourth Tuesday in May, runoff primary, special primary, presidential primary, election administration, candidate filing, ballot access, political parties, county election officials, state election law, Alabama elections, sheriffs, term of office, Alabama law, local government
TX
Transcript Highlights:
- In Texas, taxpayer funds are used to contract with third-party companies to send out unsolicited voter
- Secondly, that public funds cannot be used to facilitate this distribution.
- Public funds cannot be used to facilitate mass distribution of unrequested voter registration forms by
- They should have the discretion, if they have the funds, to send to those people.
- It prevents bad actors from trying to take advantage of the system to use government funds politically
Committee:
House Elections
Keywords:
voter ID, citizenship proof, provisional ballot, election security, Texas, voting rights, deep fakes, misleading videos, election integrity, criminal offense, digital misinformation, deep fake, political manipulation, misinformation, artificial media, political influence, artificially generated media, election influence, Texas Election Code, healthcare reform
TX
Texas 89th Regular
Delivery of Government Efficiency Apr 2nd, 2025
Delivery of Government Efficiency
Transcript Highlights:
- and public funding.
- They don't have to ask for the funding.
- And in 20 plus years of funding this program.
- I know that our program is entirely state funded so we're not relying on federal funds for this program
- How much is in that fund? The...
Bills:
HB512 , HB2248 , HB2679 , HB2832 , HB3112 , HB3368 , HB3490 , HB3512 , HB3623 , HB3666 , HB3700 , HB3711 , HB3770 , HB3963
Committee:
House Delivery of Government Efficiency
Keywords:
grievance procedures, state agency, employee rights, workplace regulations, employment law, employees, employment actions, appeal, state employees, workplace rights, disciplinary actions, employment conditions, employment disputes, job protections, public information, transparency, government accountability, information access, notification requirements, federal funding
AL
Transcript Highlights:
- Cler resolution. opposed? Cler resolution. opposed? Cler resolution.
- clerk say the resolution clerk say the resolution clerk say the resolution house resolution number 171
- That's the fund that you're safety fund. That's the fund that you're safety fund.
- The are funded out of the general fund. The are funded out of the general fund.
- not been funds those funds have not been funds those funds have not been utilized.
Keywords:
occupation tax, securities, financial regulation, tax exemption, legislative amendment, capital gains tax, realized gains, unrealized gains, investment income, asset sale, capital assets, wealth tax, estate tax, trust tax, tax limitation, constitutional amendment, Texas Constitution, Article VIII, property tax, sales tax
MN
Minnesota 2025-2026 Regular Session
Hied Committee Meeting - 2025-04-01
Higher Education Finance and Policy
Transcript Highlights:
- Build Dakota funds four tech schools, and two of them are bordering Minnesota: Southeast Tech in Sioux
- To cut funding on the backs of students? Representative Baker, I've never said that.
- We're talking about taxpayer funds that are an investment.
- Last response, many, many resources and reserves that we can use instead of cutting this funding.
- While I recognize that we need to ensure that we're able to fund the things we want to fund, I don't
Committee:
House Higher Education Finance and Policy
Keywords:
North Star Promise, scholarship, higher education, Minnesota Office of Higher Education, in-demand jobs, workforce development, career training, job market, high-demand occupations, high-demand industries, college aid, state financial aid, FAFSA, student eligibility, program of study, degree program, certificate program, community college, university, labor market data
MN
Minnesota 2025-2026 Regular Session
House Higher Education Finance and Policy Committee 4/1/25
Higher Education Finance and Policy
Transcript Highlights:
- </c><00:41:22.240><c> We</c> have gaping holes in the funding. We have gaping holes in the funding.
- we want to fund, I don't think that this is really the way to go.
- we want to fund, I don't think that this is really the way to go.
- we want to fund, I don't think that this is really the way to go.
- ,</c><01:13:26.320><c> I</c> fund the things that we want to fund, I fund the things that we want to
Committee:
House Higher Education Finance and Policy
Keywords:
North Star Promise, scholarship, higher education, Minnesota Office of Higher Education, in-demand jobs, workforce development, career training, job market, high-demand occupations, high-demand industries, college aid, state financial aid, FAFSA, student eligibility, program of study, degree program, certificate program, community college, university, labor market data
TX
Transcript Highlights:
- I move adoption of the resolution.
- LaHood to explain the resolution.
- The resolution is adopted. Moves to add all members' names to the resolution.
- Meyer to explain the resolution.
- Meyer to close on the resolution.
Keywords:
occupation tax, securities, financial regulation, tax exemption, legislative amendment, capital gains tax, realized gains, unrealized gains, investment income, asset sale, capital assets, wealth tax, estate tax, trust tax, tax limitation, constitutional amendment, Texas Constitution, Article VIII, property tax, sales tax
TX
Transcript Highlights:
- read the resolution.
- I read the resolution.
- Following resolution, the secretary will read the resolution.
- Chair lays out the following resolution, the secretary will read the resolution.
- The secretary will read the resolutions. Senate Resolution 99 by Schwartner.
Bills:
SJR1 , SB9 , SB40 , SJR36 , SJR1 , SJR5 , SB9 , SB40 , SJR1 , SB9 , SB40 , SR62 , SR92 , SR95 , SR108 , SR110 , SR111 , SR113 , SR114 , SR117 , SR120 , SB314 , SB314
Keywords:
bail denial, illegal aliens, felony offenses, constitutional amendment, law enforcement, bail reform, defendants, pretrial detention, public safety, criminal justice, charitable bail organizations, bail bonds, public funds, political subdivision, injunctive relief, taxpayer rights, bail, criminal justice reform, El Paso, economic development
AL
Alabama 2025 Regular Session
Alabama House Ways and Means Education Committee Feb 19th, 2025
Ways and Means Education
Transcript Highlights:
- mechanism there or any other available funding.
- I'm actually trying to get some answers on the funding. I have no idea about the funding.
- I will tell you we've about the funding.
- So how are we funded? So how are we funded?
- There's never been any direct funding from the legislature, so it was funded by two one-time transfers
Committee:
House Ways and Means Education
Keywords:
sales tax, use tax, exemption, tax conformity, tangible personal property, Alabama Department of Revenue, retail tax, consumer use tax, nonresident, religious publications, church magazines, Bible class materials, Sunday school materials, tax administration, indirect tax, state revenue, HB226, homestead exemption, ad valorem tax, property tax
MN
Minnesota 2025-2026 Regular Session
House Elections Finance and Government Operations Committee 2/17/25
Elections Finance and Government Operations
Transcript Highlights:
- </c> same organizations who finance and fund same organizations who finance and fund their<00:03:46.680
- that is the Meta political fund, that is their money going into political funds, they reporting it.
- that is the Meta political fund, that is their money going into political funds, they reporting it.
- that is the Meta political fund, that is their money going into political funds, they reporting it.
- that is the Meta political fund, that is their money going into political funds, they reporting it.
Keywords:
campaign finance, state funding, political activity, nonprofits, government transparency, HF66, Minnesota second-degree murder, unintentional murder, protective order, order for protection, harassment restraining order, domestic violence, victim protection, cross-jurisdictional orders, out-of-state restraining order, tribal court order, Canadian protective order, public safety, criminal law, homicide
WA
Transcript Highlights:
- Their budget $150,000 in funding from existing OEDC funding for this plan.
- the bill; however, the funds would be paid from a general fund state.
- Those fund transfers go.
- the general fund then becomes an inflation, a one-time inflation of a general fund.
- Fund.
Bills:
SB5420 , SB5877 , SB5868 , SB5109 , SB5832 , SB5922 , SB5944 , SB5988 , SB6065 , SB6103 , SB6151
Committee:
House Appropriations
Keywords:
veterans, military spouses, service members, uniformed services, National Guard, reservists, active duty, qualifying discharge, veterans preference, hiring preference, public employment, state benefits, license renewal, professional licensing, retirement service credit, pension, public retirement system, Washington RCW, military leave, reemployment rights
FL
Florida 2026 Regular Session
Governmental Oversight and Accountability Feb 2nd, 2026
Governmental Oversight and Accountability
Transcript Highlights:
- and working with our staff to get it in a position where we think we can actually hopefully get it funded
- So any organization that receives funding—there are a lot of private companies out there who might have
- For private employers who receive state funding, it restricts basic workplace training and HR practices
- be forced to choose between their conscience and their jobs, and taxpayers shouldn't be forced to fund
- be forced to choose between their conscience and their jobs, and taxpayers shouldn't be forced to fund
Bills:
S0330 , S0526 , S0862 , S1072 , S1078 , S1192 , S1250 , S1296 , S1298 , S1642 , S1698 , S7022
Keywords:
firefighter disability, law enforcement disability, correctional officer disability, correctional probation officer, presumptive disability, workers' compensation, line of duty presumption, heart disease presumption, hypertension presumption, tuberculosis presumption, public safety employees, first responders, physical examination, preemployment exam, medical specialist, Medicare reimbursement, employing agency, Florida Statutes 112.18, Florida Statutes 943.13, occupational disease
Summary:
The committee heard several bills and confirmations, with most measures reported favorably. Senate Bill 330 clarified the heart disease presumption for firefighters, law enforcement, and correctional officers, codifying the medical definition of heart disease and allowing transferring law enforcement officers to rely on a prior physical if a new agency does not provide one. Support was waived in by the Florida Smart Justice Alliance and the Fraternal Order of Police, and the bill passed unanimously. Senate Bill 526, as amended by a delete-all amendment, addressed commercial construction contracts, permit standards, fee reductions when private providers are used, floodproofing, product approval categories, and adoption of certain electrical code standards; it drew support from several construction and business groups and one opposing appearance, then was reported favorably. Senate Bill 1192 created a pilot program for callback queues at the Department of Commerce and Department of Children and Families to reduce hold times for callers seeking re-employment assistance and public benefits, and it also passed favorably. Senate Bill 1078 established transition procedures for a governor-elect, including agency liaisons, briefing materials, office space, and access to records; an amendment shifted IT support to the Department of Management Services, narrowed access to confidential records, and increased penalties for unauthorized disclosure, after which the bill was approved. Senate Bill 7022 extended a public records exemption for classroom examinations and assessment instruments through 2031 and expanded coverage to school district boards and public schools; it was also reported favorably. Senate Bill 862, as amended, set a $60,000 salary goal by 2030 for state correctional officers, probation officers, and institutional security specialists, with annual raises subject to appropriations; members and witnesses emphasized recruitment, retention, and safety, and the bill passed. Senate Bill 1250 removed the requirement that the Commission on Human Relations use registered mail for certain notices under the Florida Civil Rights Act, allowing less expensive notice methods, and it was reported favorably. Senate Bill 1698 allowed certain employers to post required workplace notices electronically instead of physically, and it passed without opposition. The committee also recommended confirmation of 10 appointees to the Florida Commission on Human Relations and the State Retirement Commission.
The most extensive debate centered on Senate Bill 1072, which created an anti-Semitism task force within the Department of Legal Affairs to review anti-Semitism in Florida, improve community relations, advise on law enforcement training, assess digital media literacy efforts, evaluate hate crime statutes, and recommend policy changes. The sponsor said the bill was intended to address a growing problem and noted that Florida already uses the Holocaust Remembrance definition of anti-Semitism in statute. Numerous speakers opposed the bill, arguing it could chill protected speech, especially criticism of Israel, and could be used selectively against students, activists, Muslims, Arabs, and Jewish anti-Zionists; several also said existing hate-crime and civil-rights laws were sufficient and that the task force should include protections against Islamophobia and anti-Arab hate. One member raised concerns about the constitutionality of creating such task forces in light of prior actions by the Attorney General. Despite the opposition, the bill was reported favorably on a party-line style vote with Senator Bracey Davis voting yes along with the majority. Senate Bill 1642, the Freedom in the Workplace Act, was also heard and drew significant questioning. The bill would bar public employers and contractors from requiring pronoun use, certain gender-identity-related training, or non-binary sex options on forms, and would protect employees and contractors from adverse action based on religious, moral, conscience-based, or biology-based beliefs. Senator Polsky questioned whether the bill could interfere with anti-harassment training and workplace discipline, while the sponsor said the measure was meant to prevent government coercion and extend protections similar to those in school settings. The transcript cuts off before the final disposition of this bill.
TX
Bills:
SB208 , SB628 , SB777 , SB1042 , SB2354 , SB2477 , SB2521 , SB2523 , SB2608 , SB2703 , SB2778 , SB2835 , SB2965 , SB2367 , SB3044
Committee:
Senate Local Government
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
TX
Bills:
SB208 , SB628 , SB777 , SB1042 , SB2354 , SB2477 , SB2521 , SB2523 , SB2608 , SB2703 , SB2778 , SB2835 , SB2965 , SB2367 , SB3044
Committee:
Senate Local Government
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
TX
Transcript Highlights:
- Senate Bill 208 takes a stab at the crisis by creating the Workforce Housing Capital Investment Fund,
- Third, eligible nonprofit builders would be able to use money from the fund...
- And this was originally anticipated to be like a $50 million fund, Senator West?
- Revolving loan funds maximize every public dollar by recycling repayments...
- So putting half a billion dollars into a surplus fund in that revolving loan fund allows us to have that
Bills:
SB208 , SB628 , SB777 , SB1042 , SB2354 , SB2477 , SB2521 , SB2523 , SB2608 , SB2703 , SB2778 , SB2835 , SB2965 , SB2367 , SB3044
Committee:
Senate Local Government
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government met with a quorum and limited public testimony to two minutes per person. The committee heard Senate Bill 628 by Senator Zaffirini, which would clarify that counties may enter interlocal agreements with emergency service districts to administer and enforce county fire codes, including for multi-county ESDs in the committee substitute. Witnesses from Travis County ESD-11, the Travis County Fire Marshal’s Office, and a member of the public supported the bill as a way to reduce duplication, costs, and jurisdictional confusion. Public testimony was closed and the committee substitute was left pending.
The committee then heard several housing-related bills. Senate Bill 208 by Senator West would create a Workforce Housing Capital Investment Fund to provide zero-interest loans to nonprofit builders for workforce housing; Habitat for Humanity representatives, a Brownsville nonprofit developer, and housing advocates supported it as a way to finance infrastructure and land development for affordable homes. Senate Bill 2835 by Senator Johnson would allow cities to opt into single-stair apartment buildings for small-scale, multi-story housing; supporters said the design is safe and could expand housing supply, while the Texas APA expressed qualified opposition over code-process concerns and fire-safety questions. Both bills were left pending after testimony.
Additional bills heard included SB 1042 updating the Kimble County Hospital District’s enabling law; SB 1708, a committee substitute protecting familial property divisions from platting requirements; SB 2778 raising the ESD expenditure threshold requiring board approval from $2,000 to up to $50,000; SB 2608 expanding LIHTC eligibility for certain public housing projects; SB 3044 adding board representation for Marfa and Presidio on the Presidio County Underground Water Conservation District and adjusting an exemption; SB 2367 extending park board authority to Waller County; SB 2523 clarifying ETJ reduction procedures and owner opt-out rights; SB 2521 requiring death-certificate reporting to appraisal districts to help address squatting and homestead exemption issues; and SB 2477 easing office-to-residential conversions in larger cities. In each case, the bills were laid out, testimony was taken, and the measures were left pending subject to call of the chair. The committee then recessed until 15 to 30 minutes after adjournment.
TX
Transcript Highlights:
- Texas Supreme Court ruling unrelated to contract resolution procedures and validated these procedures
- The issue with this is that ESD taxpayer funds are being used to subsidize the lack in service by the
- The issue with this is that ESD taxpayer funds are being used to subsidize the lack in service by the
- I would also point you to the Perryman report that speaks very specifically to how ESDs are funded in
- I mean, that's the problem is we're having to use our taxpaying funds and we're not getting anything
Bills:
SB208 , SB628 , SB777 , SB1042 , SB2354 , SB2477 , SB2521 , SB2523 , SB2608 , SB2703 , SB2778 , SB2835 , SB2965 , SB2367 , SB3044
Committee:
Senate Local Government
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government considered and voted on several bills, adopting committee substitutes on Senate Bills 1237, 1708, 1844, 1454, 2520, and 2541. In each case, the committee substitute was explained as narrowing or clarifying the filed bill, and the committee voted to report the substitute version to the full Senate, usually with a recommendation that the filed bill not pass. The committee also recommended each of those measures for the local and uncontested calendar. SB 1237 concerned property tax exemption eligibility for charitable organizations; SB 1844 addressed annexation and disannexation limits tied to city services; SB 1454 clarified housing authority tax exemptions and agreements with districts; SB 2520 dealt with a school district tax ceiling comparison; and SB 2541 reduced the unused increment period from three years to two years.
The committee then heard extensive testimony on SB 2354, which would allow developers to hire qualified third-party professionals for plat review, permit review, and inspections if local governments are delayed. Supporters included affordable housing providers, builders, Pew Charitable Trusts, housing advocates, and legal groups, who said the bill would reduce permitting delays, lower costs, and help housing production. A Corpus Christi representative testified as neutral, asking for amendments to preserve city final inspection authority, document sharing, and floodplain enforcement. Urban counties opposed the bill as written, arguing it removed too much local oversight, though they acknowledged work on a committee substitute. SB 2354 was left pending.
The committee also heard SB 2703, which would clarify that condominiums are not subdivisions for local platting purposes. Builders and a land use attorney supported the bill, saying it would reduce confusion and duplicative regulation; the bill was left pending. SB 777, dealing with firefighter collective bargaining and impasse procedures, drew support from Austin and Texarkana firefighter representatives and the City of Austin, who said the committee substitute reflected stakeholder agreement and preserved voter-approved local procedures; it was left pending. SB 2965, concerning annexation and emergency service district response obligations, drew support from ESD and fire association witnesses who said it would prevent service gaps after annexation, and opposition from local officials who argued it gave unelected ESD boards too much power and lacked neutral review; it was also left pending. The committee then recessed subject to call of the chair.
TX
Transcript Highlights:
- Senate Bill 208 takes a stab at the crisis by creating the Workforce Housing Capital Investment Fund,
- Third, eligible nonprofit builders will be able to use money from the fund...
- And this was originally anticipated to be like a $50 million fund, Senator West?
- This fund will enable us to do that.
- So putting half a billion dollars into a surplus fund in that revolving loan fund allows us to have that
Bills:
SB208 , SB628 , SB777 , SB1042 , SB2354 , SB2477 , SB2521 , SB2523 , SB2608 , SB2703 , SB2778 , SB2835 , SB2965 , SB2367 , SB3044
Committee:
Senate Local Government
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government met with a quorum at the start, adopted a two-minute limit for public testimony, and heard a series of housing, local government, fire code, and district-governance bills. Several measures were laid out with committee substitutes, including SB 628 on county fire code administration through interlocal agreements with emergency service districts; SB 208 creating a Workforce Housing Capital Investment Fund for zero-interest loans to nonprofit builders; SB 2835 allowing cities to opt into single-stair apartment buildings; and SB 2477 easing office-to-residential conversions in certain cities. Other bills addressed ESD spending thresholds (SB 2778), hospital district updates (SB 1042), subdivision/platting issues (SB 1708), public housing tax credit eligibility (SB 2608), groundwater district representation for Marfa and Presidio (SB 3044), park board authority in Waller County (SB 2367), ETJ removal procedures (SB 2523), and reporting death certificates to appraisal districts to help address squatting and homestead issues (SB 2521).
Testimony was largely supportive on the housing bills. Supporters of SB 208, including Habitat for Humanity affiliates, a Brownsville nonprofit developer, Texans for Housing, and an educator, said the revolving fund would help nonprofit builders finance land, infrastructure, and development costs for affordable homes, especially for families earning 30% to 80% of area median income. SB 2835 drew support from architects, planners, and housing advocates who argued that single-stair buildings can be safe, more efficient, and better suited to missing-middle housing, though the Texas APA registered qualified opposition, saying the proposal bypasses the usual code-development process and may not be sufficiently studied. SB 2477 also received broad support from housing groups and policy organizations, who said office conversions could help address vacancy and housing shortages, though Corpus Christi raised a concern about fee recovery and local cost reimbursement.
The committee also heard support for SB 628 from a county fire marshal and an ESD representative, who said the bill would reduce duplicate fire-code enforcement and costs. SB 2778 was backed by a Bexar County ESD fire chief, who said the current $2,000 expenditure approval threshold is outdated and slows emergency purchases and repairs. SB 2608 was supported by the El Paso housing authority, which said adding certain Section 8 projects to the at-risk LIHTC set-aside would help renovate aging subsidized housing. SB 3044 was presented as a way to give Marfa and Presidio representation on the groundwater district board while preserving permitting authority. Each bill heard public testimony was left pending subject to the call of the chair, and the committee recessed to reconvene after the Senate adjourns.
TX
Transcript Highlights:
- Any net proceeds are held in a trust for three years, giving any rightful owners a chance to claim funds
- Okay, you all are going to have to fund this cost because you're going to set up... ...receivers, and
- each city in Texas is affected by the travesty that befell Odessa, Texas, when they needed to borrow funds
- So we took on about $160 million. ...the last 10 years of funding all the infrastructure needs that we
- That's the city's resolution of this issue.
Bills:
SB1079 , SB1243 , SB1504 , SB1579 , SB1708 , SB1844 , SB1851 , SB1879 , SB1921 , SB1951 , SB2237 , SB2238 , SB2406 , SB2407
Committee:
Senate Local Government
Keywords:
SB 1079, Texas, county government, commissioners court, Local Government Code, Chapter 263, surplus property, salvage property, data storage device, hard drive, electronic media, digital records, confidential information, protected information, privacy, records retention, information security, data destruction, device disposal, sensitive data
TX
Transcript Highlights:
- contracts contain golden parachutes payout clauses that result in substantial substantial taxpayer funded
Bills:
SB 1079 , SB 1243 , SB 1504 , SB 1579 , SB 1708 , SB 1844 , SB 1851 , SB 1879 , SB 1921 , SB 1951 , SB 2237 , SB 2238 , SB 2406 , SB 2407
Committee:
Senate Local Government
Keywords:
SB 1079, Texas, county government, commissioners court, Local Government Code, Chapter 263, surplus property, salvage property, data storage device, hard drive, electronic media, digital records, confidential information, protected information, privacy, records retention, information security, data destruction, device disposal, sensitive data
TX
Transcript Highlights:
- It defines federal match program as cooperative funding agreement where federal dollars are contingent
- It aligns with federal funding mechanisms. what it does, the substitute, as presented by Senator Hancock
- This is Senate Concurrent Resolution No. 8.
Committee:
Senate Business & Commerce
Keywords:
SB 213, Texas insurance, Insurance Code, Chapter 551, Chapter 541, bundling, tying arrangement, cross-selling, homeowners insurance, residential property insurance, auto insurance, personal automobile insurance, consumer protection, unfair trade practice, deceptive insurance practice, property and casualty insurer, Lloyd's plan, county mutual, reciprocal exchange, farm mutual