Transcript Highlights:

• My name is Denise Morgan, on behalf of the California support of this bill that leverages matching funds
• Then we drove to Orange County after driving for more than 12 hours with no Drove to L.A. to get my daughter
• , then we drove to Orange County.
• My name is Vanessa Perez, and this is my son, who survived a beating from the Los Angeles County Sheriff's
• Thank you. ...as well as North Orange County Community College District, and we also have a support position

Summary: The Assembly Appropriations Committee met on April 9, 2025, with a large regular-order agenda and a consent calendar. The committee first approved a set of unanimous consent bills, then heard and acted on several measures, generally with authors describing them as having minor or absorbable fiscal effects. Bills discussed included AB 439 on Coastal Act streamlining, AB 322 on school-based health and mental health reimbursement participation, AB 679 on state park land acquisition exemptions, AB 482 updating the California Table Grape Commission law, AB 681 increasing the Dream Loan Program cap, AB 40 clarifying emergency services include reproductive health care, AB 454 making the California Migratory Bird Protection Act permanent, AB 572 creating protections for families of people killed or seriously injured by peace officers, and AB 639 narrowing the definition of dams to avoid extra regulation for certain water operators. Testimony was largely in support of the bills. Supporters included representatives from the University of California, the California Table Grape Commission, Audubon California, Sempervirens Fund, emergency physicians, health equity groups, water districts, and several impacted family members and advocacy organizations on AB 572. AB 572 drew especially emotional testimony from family members describing police-involved deaths and the need for transparency and protection from coercive questioning. No organized opposition was raised on most of the bills heard in committee, though AB 439 drew no-votes from some Republicans, and AB 572 and other measures were framed as low-cost or cost-neutral. The committee reported the bills out on roll calls after motions and seconds, with several measures passing on B-roll calls and AB 482 passing on an A-roll call. After the hearing on presented bills, the committee also approved the suspense calendar and accepted brief public comment on bills not heard that day, including opposition to AB 339 and support for AB 335. The meeting then adjourned.

Transcript Highlights:

• Everywhere I have Section 20.5 written down, we're saying that the city and county officials can take
• Steve Canavero: In the revised 460, the transfer to the city or county has been removed.
• So it does apply to those counties who have charter schools.
• Who is that that's going to be making that appointment in Washoe County? Section 10, subsection 6.
• Brad Keating, representing the Clark County School District.

Keywords: 909, all

Transcript Highlights:

• Shelby County. Shelby County. >> Mr.<00:20:59.440> President, >> Mr.
• 12.400> County.
• 39.120> County.
• amendment regarding Morgan County. Mr. amendment regarding Morgan County. Mr.
• We've got some leaders from Blount County Leadership Group and the Blount County Ambassadors.

Keywords: 920, all

Summary: The Senate convened with prayer, the pledge, and a roll call establishing a quorum of 29 members present. The chamber adopted routine motions to excuse absent senators, dispense with reading the prior journal, and allow bills and committee reports to be taken up throughout the day. The Committee on Banking and Insurance reported Senate Bill 269 favorably with a substitute, and the bill was placed on the calendar for the next legislative day. The Senate also welcomed several guest groups in the gallery, including homeschool families, Blount County leaders, and the Alabama Iron and Steel Council. A series of resolutions were introduced and adopted immediately. Senator Stewart’s Joint Resolution 64 honored Joanne Blackman Bland, recognizing her role as a young freedom fighter on Bloody Sunday and later work in voting rights and economic development. The Senate also adopted Joint Resolution 65 congratulating Maplesville High School on its 2025 Class 1A state football championship and Joint Resolution 66 honoring the long-standing partnership between Quebec and Alabama. The Senate then took up local legislation and several calendar bills. Senate Bill 319 for Shelby County, House Bill 460 and House Bill 459 for Henry County, and House Bill 467 regarding the city of Tuscumbia were all advanced and passed, with certification motions adopted where required. The Rules Committee reported Senate Resolution 67, setting the special order calendar, which the Senate adopted. The special order calendar included bills on corrections, services evaluation, retirement benefits, the Growing Alabama Act, health, vessels, homestead exemption, the National Guard, the state port, early childhood education, tourism investment, pardons and paroles, and health-related matters. Under the special order calendar, the Senate passed House Bill 274 on Department of Corrections unmanned aircraft systems, Senate Bill 317 creating the Commission on the Evaluation of Services, House Bill 159 cleaning up retirement provisions for certain circuit clerks, Senate Bill 289 revising the Growing Alabama Act, and House Bill 182 requiring military education to count toward EMS licensure. The chamber also considered House Bill 254 on vessel inspections, with discussion focused on limiting law enforcement stops and boarding of vessels for safety or marine sanitation inspections absent another reason; the transcript cuts off before final disposition of that bill.

Transcript Highlights:

• Morgan. Here. Valdes. Here. The quorum is present. Reminder to our witnesses.
• Selma is in three counties: it's part in Bexar County, Guadalupe County, and part in Comal County. because
• One day decided he was going to put a moratorium, and Bear Guadalupe Comal, the county judge, and Judge
• Judge Krause in Clermont County and then...
• And Judge Kutschner in Guadalupe County, who I've talked to on numerous occasions, was never notified

Bills: SB2215, SB2639

Keywords: zoning, municipality, municipal immunity, governmental immunity, local government, Chapter 211, Texas Local Government Code, land use, declaratory relief, injunctive relief, mandamus, attorney's fees, court costs, property rights, home rule city, code enforcement, planning and zoning, land development, municipal ordinance, historic landmark

Transcript Highlights:

• Morgan Freeman said, "How do we change the world? One random act of kindness at a time."
• Morgan<00:45:06.400> Freeman<00:45:06.880> said,<00:45:07.280> "How<00:45:07.480
• > do<00:45:07.600> we<00:45:07.760> change Morgan Freeman said, "How do we change
• Morgan Freeman said, "How do we change the<00:45:08.160> world?

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:

• Additionally, we have the Clerk of Chambers County, Lisa... the Clerk of Chambers County, Lisa Burette
• I used to represent Cusa County, so... represent Cusa County, and large parts of the area where I live
• Understand that there are people that live in counties like Cowser or Loun that are rural counties, and
• Speaker, was that the counties were concerned that... ...the counties were concerned that this 10 years
• would be served in the county jail.

Keywords: 1136, house, all

Transcript Highlights:

• Serving their communities, supporting their counties, and representing the judiciary in an outstanding
• county courts for recognition.
• I'm Victor Villarreal, judge of Webb County Court at Law II in Laredo.
• , the first county. court of law in Texas to attain the designation.
• I, Morgan, represent Chairman Meyer, and you're sponsoring it. You're recognized.

Bills: SB1211, SB1574, SB2774, SB2873, SB2900, HJR4

Keywords: hydraulic fracturing, sales tax exemption, oil and gas, environmental impact, water reuse, justice, judicial council, centers of excellence, court operations, recognition program, franchise tax, retail trade, tax classification, business regulation, economic impact, SB 2873, Texas Tax Code, electronic filing, e-filing, tax reports

Transcript Highlights:

• I'm Matt Butler from Edal County, Maryland, representing District 10.
• I'm from Madison County, Maryland, representing District 10.
• I represent House District Cor, which comprises Morgan, Limestone, and Madison counties.
• It's outside Tuscaloosa County. Alabama, it's outside Tuscaloosa County.
• Mobile, Satsuma, and then on Monday I'll be at the county, and then Baldwin County will be passing it

Bills: HB25, HB108, HB109, HB111, HB112, HB113, HB117, HB118, HB119, HB120, HB121, HB122, HB124, HB126, HB127, HB128, HB129, HB130, HB131, HB25

Keywords: emergency services, 911, local districts, joint operations, contracting, HB108, Alabama Sunset Law, sunset reauthorization, board continuation, speech-language pathology, audiology, licensing board, professional regulation, healthcare regulation, occupational licensing, speech therapist, speech pathologist, audiologist, Sunset Committee, Code of Alabama 1975

Transcript Highlights:

• So they were having to go all the way back to either Morgan City or Terrebonne, Houma, one of these ports
• So they were having to go all the way back to either Morgan City or Terrebonne, Houma, one of these ports

Bills: SB480, HB621, HB637, HB804, HB841, HB1056

Keywords: fishing gear, Oyster Bayou, shrimping, regulation, marine resources, HB621, Act 658, renewable energy, recycling, decommissioning, wind energy, solar power, solar facilities, wind turbines, energy infrastructure, end-of-life disposal, universal waste, recyclable materials, waste reduction, Department of Environmental Quality

Transcript Highlights:

• Bernie O'Heda, LA County Sheriff. Hi. Bernie O'Heda, LA County Sheriff.
• County, I think Sacramento, a number of other counties, I think we just go a little too fast.
• San Diego County has had 90% of SVPs released in the state of California into our county.
• Union in Los Angeles County.
• and Santa Clara counties.

Summary: The committee heard AB 82, which would expand privacy and safety protections for patients and providers of reproductive and gender-affirming care. The author and supporters said the bill is needed because of rising harassment, doxing, and threats, and because sensitive health data could be used by hostile actors; opponents argued it would create constitutional problems, enable abuse of safe-at-home protections, and improperly shield providers and records from scrutiny. Public testimony was heavily divided, with many advocates in support and many privacy, civil liberties, and anti-trafficking or sex-based policy groups in opposition. The bill was moved on a due pass recommendation and remained on call. The committee then heard AB 331, which would clarify that county election certification is a ministerial duty, prohibit misleading ballot return envelopes, and require voter information guides to be delivered to jails in an acceptable format. The Department of Justice and several good-government groups supported the measure, the Secretary of State had no position after amendments, and a committee member noted ongoing concerns but supported it after the changes. The bill passed on a do pass recommendation to Appropriations and was placed on call. AB 1178 followed, proposing to protect undercover peace officers’ names, images, and likenesses in public records while preserving disclosure of sustained misconduct records. Law enforcement and public safety groups supported the bill as a needed safety measure, while journalists, transparency advocates, and civil liberties groups opposed it, saying existing law already protects officers and the new language could lead to overbroad withholding. After discussion about the scope of undercover status and the need for judicial discretion, the bill passed as amended to Appropriations. The committee also adopted a consent calendar. Later, AB 981 was heard, creating a five-county pilot program requiring intelligent speed assistance devices for certain reckless driving convictions. Supporters, including traffic safety advocates and crash victims, said the bill could reduce repeat speeding and save lives; opponents raised concerns about cost, installer oversight, liability for automakers, and the breadth of the pilot. The bill passed as amended to Appropriations. AB 22, which would repeal Proposition 57 and restrict release of sexually violent predators and certain sex offenders, drew strong opposition from youth justice, public defender, and civil liberties groups who said it would be unconstitutional and harmful; the chair recommended no, no motion was made, and the bill was held. Finally, AB 897, a squatter-removal bill, was presented with the author arguing it would protect property owners through a faster due-process process; the transcript cuts off during early support testimony and does not show a final action on that measure.

Transcript Highlights:

• believe Washington State follows the IBC, and it passes it down from the IBC to national, to state, to county
• get would be from the Department of Revenue, State of Washington Department of Revenue, and from county
• Question for you from Representative Morgan. Making sure I can join you properly.
• Representative Morgan, follow up. Yes, thank you, Madam Chair.

Summary: The committee heard a work session on earthquake insurance, beginning with background from the Office of the Insurance Commissioner. OIC staff explained that earthquake and earth movement are generally excluded from standard property policies, that earthquake coverage is usually purchased through endorsements or standalone policies with high deductibles and relatively high premiums, and that surplus lines are a limited backstop market not covered by the state guarantee fund. They also described parametric insurance and captive insurance as more specialized products generally suited to commercial or governmental buyers rather than ordinary consumers. A second panel of insurance and banking experts focused on commercial earthquake exposure, especially for older buildings, collateralized loans, and potential knock-on effects to banks and consumers if a major quake caused widespread damage. Members asked about consumer impacts, mitigation incentives, inventories of vulnerable buildings, and whether legislation such as prior work on unreinforced masonry could help reduce risk. The Washington Bankers Association said earthquake insurance is expensive and that affordability is a major concern, while also noting banks participate in disaster-recovery planning and would be affected by major regional losses. No votes or formal actions were taken. The committee then received a presentation from the Washington State Institute for Public Policy on its cannabis and Initiative 502 research. WSIPP staff described the agency as a nonpartisan research institute that conducts legislative-directed studies and explained that its long-term I-502 assignment includes periodic reports leading to a final benefit-cost evaluation in 2032. Staff summarized findings from a 2023 report showing that cannabis possession convictions fell sharply after legalization, though some racial disproportionalities persisted, and that closer retail access was associated with higher reported adult cannabis use, more fatal traffic crashes involving drivers from nearby areas, and higher rates of cannabis use disorder diagnoses among Medicaid enrollees. A 2023 youth-focused report found that students attending schools near retailers were more likely to report cannabis use, had more unexcused absences, and were less likely to graduate on time. In the newest 2025 Medicaid study, staff said retail access was associated with higher probabilities of cannabis use disorder diagnoses, related hospitalizations, inpatient treatment, and co-occurring mental health diagnoses, with event-study analysis suggesting the increases appeared after retailers opened rather than before. Members asked about racial disproportionality, the meaning of cannabis use disorder diagnoses, THC and impairment, whether the findings reflected medical versus recreational use, and how the results should be interpreted in light of broader trends and data limitations. No formal committee action was taken.

Transcript Highlights:

• She began her journey in Collin County, Louisiana, in 2003 before moving to Fannin County and finally
• finding her home in Wood County in 2016.
• To a city or a county, they require the MOU, and if the city or county doesn't sign the MOU, then the
• as in adjacent counties.
• So, because the Central Flyway is so large, why did you only choose certain counties and one county over

Bills: HB1535, HB 123, HB 111, HB180, HB342, HB 1027, HB 1178, HB610, HB 1277, HB1615, HB1620, HB5342, HB4885, HB4751, HB4689, HB4530, HB4488, HB2149, HB2041, HB2071, HB1813, HB2282, HB2248, HB2243, HB2522, HB2310, HB2513, HB2300, HB1902, HB3719, HB4284, HB4327, HB3743, HB3778, HB3801, HB5153, HB5147, HB4877, HB4850, HB3158, HB3261, HB3005, HB3033, HB3138, HB3099, HB2849, HB2967, HB3488, HB3477, HB3466, HB3396, HB3469, HB2594, HB2776, HB2564, HB2298, HB5331, HB5646, HB5247, HB5323, HB2015, HB4384, HB3896, HB4014, HB3627, HB3594, HB2524, HB510, HB561, HB5111, HB5446, HB 1181, HB3963, HB2785, HB1661, HB2460, HB24, HJR138, HB3800, HB42, HB 129, HB677, HB668, HB2128, HB2038, HB2316, HB3686, HB2563, HB 1160, HB3883, HB2788, HB2663, HB3305, HB3474, HB 1105, HB3490, HB3597, HB 1295, HB3512, HB3783, HB2017, HB3010, HB3112, HB4215, HB3223, HB3464, HB3120, HB4214, HB4081, HB4783, HB4063, HB2783, HB5085, HB2510, HB3426, HB4361, HB 1169, HB2516, HB4700, HB3560, HB3860, HB3146, HB184, HB198, HB247, HB367, HB449, HB1778, HB514, HB632, HB2582, HB766, HB2715, HB2712, HB3069, HB3505, HB 1269, HB4224, HB5032, HB2240, HB5180, HB3348, HB4668, HB4665, HB3395, HB3157, HB4395, HB4325, HB4386, HB4273, HB2760, HB2820, HB1828, HB1579, SB2349, SB1268, SB610, SB1577, SB1369, SB2032, SB2034, SB1057, SB1044, SB922, SB1759, SB1143, SB1506, SB1403, SB2361, SB870, SB372, SB72, SB1583, SB2314, SB1267, SB1273, SB765, SB552, HB2145, HJR112, HB1804, HJR110, HB 1194, HB1531, HB5008, HB3421, SCR27, HB5398, HB1407, HB426, HB1535, HB 123, HB1773, HB1871, HB2035, HB2448, HB2492, HB1411, HB4753, HB4666, HB4529, HB1499, HB1610, HB2028, HB1506, HB886, HB3546, HB796, HB223, HB1475, HB3556, HB4638, HB 111, HB180, HB342, HB 1027, HB 1178, HB610, HB 1277, HB1615, HB1620, HB5342, HB4885, HB4751, HB4689, HB4530, HB4488, HB2149, HB2041, HB2071, HB1813, HB2282, HB2248, HB2243, HB2522, HB2310, HB2513, HB2300, HB1902, HB3719, HB4284, HB4327, HB3743, HB3778, HB3801, HB5153, HB5147, HB4877, HB4850, HB3158, HB3261, HB3005, HB3033, HB3138, HB3099, HB2849, HB2967, HB3488, HB3477, HB3466, HB3396, HB3469, HB2594, HB2776, HB2564, HB2298, HB5331, HB5646, HB5247, HB5323, HB2015, HB4384, HB3896, HB4014, HB3627, HB3594, HB2524, HB510, HB561, HB5111, HB5446, HB 1181, HB3963, HB2785, HB1661, HB2460, HCR98, HCR92, HCR126

Keywords: Trinity River Authority, river authority, Sunset Advisory Commission, Texas Sunset Act, board of directors, governor appointment, public water authority, regional water authority, water resources, local government, natural resources, board training, ethics, open meetings, public information, conflict of interest, complaint procedures, public comment, director removal, governance reform

Transcript Highlights:

• Today is also Webb County Day at the Capitol. Webb County is the sixth largest county in the state.
• President Trump has been to Webb County. He loves us.
• He said we're his favorite county. what he said, I don't know.
• County for being here and joint authoring this.
• It is a privilege to honor Webb County today and I thank all those who made.

Keywords: 1184, house, all

Transcript Highlights:

• My name is Denise Morgan.
• one in three residents within Orange County.
• Kelly Brooks on behalf of the Urban Counties of California and the Rural County Representatives of California
• Just on the notion of a county board resolution, the county board can't tell a municipal police department
• I trained at county facilities.

Keywords: 987, senate, all

Transcript Highlights:

• Um, I think when in Orange County, we were connected with people in Los Angeles, and they have their
• Um I think when in Orange County,<00:21:15.360> we<00:21:15.480> were<00:21:15.640>
• connected<00:21:16.040> with<00:21:16.160> people<00:21:16.560> in County, we
• were connected with people in County, we were connected with people in Los<00:21:16.960> Angeles,
• and see if we can work with the county and see if we can build<00:53:27.400> roads<00:53:27.760

Bills: SR185, HB2452, HB2329, HB2272, HB2273, HB2335, HB1656, HB2207, HB2289, HB1854, HB2581, HB20, HB2296, HB1707, HB2297, HB1890, HB2241, HB2474, HB1688, HB2546, HB1574, HB1546, HB2218, HB1163, HB1514, HB1749, HB2385, HB1576, HB1974, HB2022, HB1973, HB2005, HB1894, HB1515, HB1718, HB1591, HB2475, HB1721, HB1864, HB1946, HB1920

Keywords: Department of Education, capital improvement program, performance audit, infrastructure, transparency, state bonds, general obligation bonds, GO bonds, bond authorization, state debt limit, constitutional debt limit, Article VII Section 13, Hawaii bonds, state borrowing, public finance, capital improvement projects, supplemental appropriations, judiciary appropriations, refunding bonds, reimbursable bonds

Transcript Highlights:

• Darry joined the Sarpy County Administrator's Office as an assistant county administrator, where he oversees
• I met with county officials to learn what impact it would have on the counties.
• I met with county officials to learn what impact it would have on the counties.
• Are they affected by the valuation of the county or the levy of the county?
• That's what cities and counties do.

Bills: LB737, LB753, LB788, LB913, LB1055, LB1195, LB1216, LB1256, LB429, LB721, LB722, LB727, LB743, LB745, LB749, LB778, LB787, LB365A, LB823, LB900, LB903, LB940, LB954, LB1127, LB1127A, LB1205, LB1240, LR293, LR296, LR422, LR505, LR507

Keywords: LB737, Olmstead, developmental disabilities, disability services, community-based services, integrated settings, DHHS, Department of Health and Human Services, stakeholder advisory committee, independent consultant, public hearing, legislative oversight, disability rights, community integration, housing, employment, education, transportation, community supports, self-advocacy

Transcript Highlights:

• K on the impact to public schools and the handout from NACO on the fiscal impacts to counties.
• of certain county assessor chief provisions, to the top property tax assessments, change to the line
• the fees and commission credited to the county judge of the county.
• to the county judge of the county.
• County clerks, and the State Library.

Bills: LB737, LB753, LB788, LB913, LB1055, LB1195, LB1216, LB1256, LB429, LB721, LB722, LB727, LB743, LB745, LB749, LB778, LB787, LB365A, LB823, LB900, LB903, LB940, LB954, LB1127, LB1127A, LB1205, LB1240, LR293, LR296, LR422, LR505, LR507

Keywords: LB737, Olmstead, developmental disabilities, disability services, community-based services, integrated settings, DHHS, Department of Health and Human Services, stakeholder advisory committee, independent consultant, public hearing, legislative oversight, disability rights, community integration, housing, employment, education, transportation, community supports, self-advocacy

Transcript Highlights:

• Moving to Morgan Murphrey, joining us remotely. All right, go ahead, Morgan. No, hi, sorry.
• Hi, my name is Morgan Murphy. I'm here in my clinic. Sorry for the delay.
• My name is Morgan Murphrey. I'm a dermatologist practicing here in Wellesley, Massachusetts.

Keywords: 995, all

Summary: The committee opened a hearing of the Joint Committee on Consumer Protection and Professional Licensure focused on health care and human services, reviewed testimony logistics, and then heard a long series of witnesses on several bills. Much of the testimony centered on interstate licensure compacts for dentistry, social work, and occupational therapy, with supporters arguing these compacts would improve workforce mobility, continuity of care, and access while preserving state oversight and public protection. Dental witnesses were split on H.455/S.257, with supporters backing the AADB dental compact for its hands-on exam, background checks, and disciplinary safeguards, while opponents argued a competing compact would better promote portability and avoid conflicts tied to proprietary testing and outside commissions. Social work witnesses strongly supported H.380/S.252, emphasizing continuity of care for clients who move across state lines, reduced costs and delays for practitioners, and the compact’s public-protection features; occupational therapy witnesses similarly supported H.427/S.256, citing access, telehealth, military families, and maintained standards. The committee also heard testimony on S.242, which would expand licensure for lactation care providers. Supporters, including lactation counselors and health center staff, said adding certified lactation counselors and related credentials would expand access, improve breastfeeding support, and allow reimbursement for services now often provided without billing. They described the training required and said the bill would help families, especially in underserved communities. Representative James O’Day also testified in support of the social work compact, and a Council of State Governments witness provided background on compact mechanics and state participation. Another major topic was H.419/S.214 on medical debt. Physicians and researchers testified that cancer patients experience long-lasting medical debt and collections burdens, and they supported limits on the sale and collection of medical debt, bans on reporting it to credit bureaus, and related consumer protections. The hearing also included H.465 on a pathway to special licensure for certain long-term limited-registration dentists serving MassHealth patients, which Representative Senna supported as a way to allow immigrant dentists to practice independently. Finally, the committee heard sharply divided testimony on H.444/S.284, which would allow trained dental hygienists to administer Botox and dermal fillers: supporters framed it as a safe, preventive, and access-expanding tool for TMJ, bruxism, and pain management, while dermatologists opposed it as outside hygienists’ training and a patient-safety risk. No votes or formal actions were taken during the hearing.

Transcript Highlights:

• respect, I want to congratulate the Presbyterian Village for a century of commitment to the Blair County
• Action, voting on the Halt Fentanyl Bill led by Congressman Morgan Griffith and Bob Latta.
• Their story is one of hard work, perseverance, and excellence, values that define Brevard County.
• This year continues a remarkable tradition as it marks the fifth Consecutive year that Brevard County
• EVIDENT AS PROGRAM AND ASSISTANT SUPERINTENDENT OF THE COUNTY SCHOOLS WHERE HE SHAPED COUNTLESS YOUNG

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, February 4, 2025, 1012, house, all

Transcript Highlights:

• Whenever Next up we have Dakota Morgan.
• My name is Dakota Morgan.
• resource works is it goes to counties resource works is it goes to counties and<00:18:23.720>
• Thank you. away from the counties and give it back away from the counties and give it back to<00:19:17.480
• <01:03:51.920> you region and and every count county you region and and every count county

Bills: HF3279, HF1879, HF1417, HF2462

Keywords: housing, sales tax, homeownership, rent assistance, community stability, education, counseling, financial assistance, housing development, culturally appropriate services, HF1417, manufactured home parks, manufactured housing, mobile home parks, housing development fund, Minnesota Housing Finance Agency, MHFA, infrastructure grants, infrastructure loans, affordable housing