Video & Transcript : 'Overdraft Lending' :

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CA

California 2025-2026 Regular Session

Assembly Banking and Finance Committee Mar 20th, 2026

Banking and Finance

Transcript Highlights:
  • the same crux—the advocacy that we have for...” “...the consumers and for what we do, and that's lending
ID

Idaho 2026 Regular Session

Legislative Session Day 66 Mar 18th, 2026

Idaho Senate Floor Meeting

Transcript Highlights:
  • Cook, then Hartog, aye, Foreman, Galloway, Groh, Guthrie, Harris, Hart, Kaiser, Cole, Lakey, Lenny, Lend
ID

Idaho 2026 Regular Session

Legislative Session Day 65 Mar 17th, 2026

Idaho Senate Floor Meeting

Transcript Highlights:
  • Lend? Aye. Nichols. O'Conowitz. Ricks. Rukti. Samarov.
LA

Louisiana 2026 Regular Session

Transportation, Highways and Public Works Mar 16th, 2026

Transportation, Highways & Public Works

Transcript Highlights:
  • And so it really lends itself to doing both, but certainly have the intent on doing it in each district
Summary: The House Transportation Committee met on March 16 with a quorum present and first deferred three local bills at the sponsor’s request: HB 590, HB 679, and HB 873. The committee then advanced HB 503, which cleans up prior local language for Golden Meadow by removing a reference to electric golf carts and updating the definition of utility terrain vehicles; the technical amendment set was adopted and the bill was reported with amendments. HB 720, dealing with tacit dedication of roads and preserving historic public access to waterways and related access points, was reported favorably after members agreed to continue working on the amendment language before floor debate. The committee spent substantial time on HB 309, which originally made it a crime to walk in a crosswalk while looking at a cell phone. After amendments converted the proposal to a $25 civil fine and added a rebuttable presumption of liability for damages, members from both parties raised concerns about enforceability, tourism and urban pedestrian patterns, free-will and overreach arguments, and the lack of data tying the conduct specifically to crosswalk crashes. The author argued the measure was intended to promote situational awareness and reduce pedestrian injuries and fatalities, but after opposition testimony the bill was voluntarily deferred. Members then reported HB 856, which expands DOTD’s use of indefinite delivery/indefinite quantity construction contracting and adds the Office of Louisiana Highway Construction, after technical amendments clarified the contracts are for construction-phase work. HB 487, increasing penalties for drivers who use shoulders or turning lanes to bypass red lights, was reported with a technical correction after police support testimony. HB 846, prohibiting license plate coverings or films that obscure plates, was reported favorably after law enforcement support and discussion of clear frames versus obscuring covers. HB 733 and HB 875, both tied to OMV fee and lapse-of-insurance recommendations from the Legislative Auditor, were reported with amendments adjusting grace periods and offense timing. The committee also took up HB 695 on consensual non-commercial towing permits. After extensive questioning about whether the bill applied to multiple vehicles, interstate travel, OMV implementation, and the practicality of an honor-system QR code permit, the sponsor agreed to amend the bill to cover multiple vehicles and then voluntarily defer it for further work with OMV and State Police. HB 777, requiring a driver’s license renewal knowledge exam, was amended at the department’s request and then voluntarily deferred for further review. HB 868, prompted by a fatal trailer accident involving a farmer’s wife, would require trailers to meet safety-chain and braking standards consistent with manufacturer specifications or federal standards; after concerns from members and the Agriculture Commissioner about impacts on older farm equipment, the bill was reported with amendments. Finally, HB 707 moved the LPG Commission’s marketing functions to the Department of Agriculture and Forestry and was reported with a technical amendment, HB 693 on legislative district highway signs was voluntarily deferred after amendments, and HB 746 on local oversized trucking permits opened a broader discussion about parish-by-parish permit disparities, with the sponsor proposing a one-year moratorium on new local standards while stakeholders work toward a more uniform system.
CA
Transcript Highlights:
  • There's a wide body of data that lends a lot of support to the notion of the nightlife economy as a public
Summary: The Select Committee on Downtown Recovery held a hearing titled “Revitalizing California’s Downtowns Through the Nightlife Economy,” focused on how nightlife, arts, entertainment, and late-night transportation can support downtown recovery after the pandemic. Chair Matt Haney framed nightlife as a major economic and cultural sector and said the committee hopes to produce policy, budget, and legislative proposals, building on last year’s downtown recovery bills. The hearing included three panels: nightlife policy experts and a venue owner; representatives from entertainment, tourism, and rideshare; and remote witnesses from London, Philadelphia, and New York discussing how other cities manage 24-hour economies. Witnesses on the first panel emphasized that nightlife is an ecosystem that includes workers, venues, transportation, and public safety. Michael Fishman described the growth of night managers and argued that zoning, licensing, and land costs can either support or choke off creative venues; he also said extending hours can reduce congestion and unsafe spillover if done in a regulated way. Ben Van Houten highlighted San Francisco’s entertainment zones, hospitality zone liquor licenses, Type 90 music venue licenses, and other local reforms, while urging more state coordination and possible tax and licensing changes. Darcy Drolinger of Oasis said independent venues are operating on thin margins, have faced repeated near-closures, and need tools such as extended alcohol service hours to remain viable and preserve community and LGBTQ+ cultural spaces. The second panel focused on tourism, major events, and transportation. Another Planet Entertainment’s Mary Condi said festivals and venues like Outside Lands, the Castro Theatre, and the Fox and Greek theaters draw large numbers of visitors, support hotels and restaurants, and require close coordination with city agencies; she also raised concerns about unexpected possessory interest tax bills and the burden of secondary ticketing and cannabis taxes. Amelia Zamani of Cal Travel said travel and tourism remain a major economic engine and argued that nightlife is central to attracting international visitors, conventions, and major events, especially if California wants to compete with cities that allow later alcohol service. Lyft’s Nicholas Johnson said late-night rides serve workers as well as patrons, reduce DUI risk, and are essential for safe access to downtowns and event venues. In the final panel, officials from London and Philadelphia described their nighttime governance models. London witnesses said the city created a 24-hour city strategy, a night czar, and a nightlife commission, and found that nightlife supports economic activity, workforce retention, and safer, more diverse districts when paired with flexible licensing and better transit. Philadelphia’s Rahim Manning said his city treats the nighttime economy as a major industry, with a $26.2 billion annual impact, and stressed that it includes manufacturing, logistics, health care, transportation, food service, arts, and sports—not just bars and clubs. No votes were taken; the hearing was informational, with committee members asking questions about extended hours, transportation, family-friendly programming, cannabis activation, ticketing, and how California can better support a safe and competitive nighttime economy.
NM

New Mexico 2026 Regular Session

Senate - Finance Feb 3rd, 2026

House Appropriations & Finance

Transcript Highlights:
  • But certain types of harms and certain types of recoveries don't lend themselves to that sort of framework
Summary: The committee heard budget presentations from the Secretary of State, the State Land Office, the Attorney General, and the State Auditor. The Secretary of State said its requested general fund budget of $15.88 million was intended to maintain baseline operations, replace lost federal cyber and election support, and address a 12% vacancy rate. Officials warned that the House recommendation still left major gaps for election security, tabulator replacement, campaign finance system upgrades, overseas and military ballot services, ballot tracking, and a new tax lien filing system. Senators pressed about the election fund, county burdens, and the risk of underfunding election administration; the office said the House had provided $15 million for the election fund for the primary and another $15 million for the general election, but not enough for operations or all capital needs. The State Land Office said it was satisfied with the House budget action and had no additional request. Staff described the office’s record revenues, low vacancy rate, clean audits, and proposed new positions tied to forestry, economic development, petroleum, geothermal, and royalty compliance work. Senators asked about long-term revenue trends, forest thinning and biomass opportunities, and bookkeeping around the land maintenance fund; the office said the new positions were intended to generate revenue and support land management, including fire mitigation. The Attorney General’s office presented a budget built around a 0% general fund increase, greater use of the Consumer Settlement Fund, and $4.5 million in special/extraordinary litigation funding. The AG emphasized active litigation and investigations involving consumer fraud, Medicaid fraud, federal funding cuts, Meta and other technology platforms, AI and child safety, gaming compacts, tobacco, and possible litigation over abandoned uranium mine cleanup. Senators asked about scam enforcement, the structure of settlement funds, and whether the office could take on uranium-related litigation; the AG said the office could prepare a litigation budget but warned such efforts would require sustained funding. The State Auditor said the House budget added only modest increases while the office faced about a 40% vacancy rate, difficulty recruiting auditors, and a shrinking pool of public accounting firms, creating risks for constitutional audit responsibilities.
NM
Transcript Highlights:
  • that have expressed interest are simultaneously Receiving those experiences and coursework that would lend
CA

California 2025-2026 Regular Session

Assembly Public Safety Committee Oct 15th, 2025

Transcript Highlights:
  • California Police Chiefs Association encourages, and we were pleased to stand in support of AB 379 and lend
Summary: The Assembly Standing Committee on Public Safety held an informational hearing in Pomona on sex work-related crimes and efforts to combat human trafficking. The chair and Assembly Member Michelle Rodriguez framed the issue as a major public safety and victim-protection concern, referencing the repeal of the loitering law in SB 357 and the recent enactment of AB 379, which targets buyers of sex rather than sex workers. The hearing was organized into three panels: data and research, policing and anti-trafficking efforts, and courtroom/prosecution impacts. In the first panel, the California Department of Justice presented arrest and conviction data for the repealed loitering statute, noting overall declines from 2019 to 2022 but also explaining that the data did not distinguish clearly between people selling sex, people loitering to sell, and people purchasing sex. USC law professor Hannah Gary summarized a 2021 report finding that law enforcement stings and raids often lack transparency, disproportionately harm Black women, minors, LGBTQ+ people, and undocumented migrants, and rarely achieve the stated goals of protecting victims, prosecuting traffickers, or preventing trafficking. The ACLU of Southern California argued that criminalization of sex work is discriminatory and historically used to police women and people of color, and that laws aimed at buyers still harm sex workers and can increase immigration consequences. Committee members asked about data collection, racial disparities, and whether the new law could worsen profiling; the panelists urged public health approaches, better data, and more survivor services. The second panel featured the California DOJ human trafficking coordinator, Pomona Police Chief Mike Ellis, and survivor advocate Jess Torres of Rising Worldwide. DOJ described its regional trafficking teams, task forces, victim services, and prosecutions, emphasizing a victim-centered and trauma-informed approach. Chief Ellis said SB 357 limited police intervention and contributed to visible open-air prostitution near schools and other sensitive locations, citing complaints from residents and a reported drop in juvenile rescues in Pomona after the law changed; he supported AB 63-style enforcement with safeguards and service referrals. Torres, speaking as a survivor, argued that anti-trafficking policy must be survivor-led, that many youth in the sex trade are boys or LGBTQ youth, and that criminalization and street enforcement often worsen harm and displacement rather than solving the underlying problems. In the final panel, a Riverside County deputy district attorney said AB 63 could help law enforcement make earlier contact with potential victims and identify traffickers, while stressing the need for training, documentation, and oversight. A Los Angeles County public defender argued that prosecuting trafficked people reinforces traffickers’ control, creates lifelong barriers, and retraumatizes survivors, and pointed to diversion programs as a better model. The Coalition to Abolish Slavery and Trafficking began its testimony by describing its survivor services and crisis response work. The hearing ended without any vote or formal action, but with committee members and witnesses continuing to debate the balance between enforcement, data collection, and survivor-centered services.
CA

California 2025-2026 Regular Session

Assembly Public Safety Committee Oct 15th, 2025

Public Safety

Transcript Highlights:
  • California Police Chiefs Association encourages, and we were pleased to stand in support of AB379 and lend
Committee: House Public Safety
Summary: The Assembly Standing Committee on Public Safety held an informational hearing in Pomona on sex work-related crimes and efforts to combat human trafficking. Opening remarks framed the hearing around the repeal of the old loitering law in SB 357 and the recent enactment of AB 379, which will again make loitering with intent to purchase commercial sex a misdemeanor starting January 1, 2026. Members said the goal was to better understand the sex work industry, trafficking, law enforcement practices, and survivor support, with a focus on prevention and accountability. The first panel featured a DOJ representative, a USC law professor, and an ACLU attorney. DOJ presented arrest and conviction data for the repealed loitering statute and said the data did not distinguish clearly between buyers and sellers. USC researchers said anti-trafficking raids and stings often lacked transparency, disproportionately harmed marginalized groups, and frequently failed to identify traffickers or connect survivors to services. The ACLU argued that loitering laws have historically been used to police people of color and that criminalizing sex work or purchase of sex can worsen harm, increase racial disparities, and create immigration consequences. Committee members asked about better data collection, racial disparities, and whether the new law would help communities; responses emphasized public health approaches, housing, job training, and trauma-informed services. The second panel included DOJ, Pomona Police Chief Mike Ellis, and survivor advocate Jess Torres. DOJ described regional human trafficking teams, task forces, prosecutions, and survivor services. Chief Ellis said the repeal of the loitering law reduced officers’ ability to intervene early, contributed to visible open-air prostitution near schools and businesses, and made it harder to rescue juveniles; he supported AB 379 and related local efforts. Torres, speaking as a survivor, argued that survivor voices are often excluded, that many youth in the sex trade are boys or LGBTQ youth, and that criminalization and street enforcement can retraumatize people and push the problem out of sight rather than solve it. She urged prevention, unmet-needs services, and survivor inclusion in policymaking. In the final panel, a Riverside County prosecutor said AB 63 would restore a useful enforcement tool with safeguards and could help officers make earlier contact with potential victims, while stressing the need for training and oversight. A public defender argued that arresting trafficked people reinforces traffickers’ control, creates lifelong barriers, and undermines cooperation, pointing to a Pomona diversion program as evidence that treatment and wraparound services can work. No formal votes were taken during the hearing; the committee used the session for testimony, questions, and discussion of competing approaches to trafficking enforcement and survivor support.
CA

California 2025-2026 Regular Session

Assembly Education Committee Sep 12th, 2025

Education

Transcript Highlights:
  • And so I too want to lend my voice of thanks, most particularly to the staff who have worked tirelessly
Committee: House Education
NM

New Mexico 2025 Regular Session

IC - Indian Affairs Jul 16th, 2025

House Government, Elections & Indian Affairs

Transcript Highlights:
  • So we make our faculty, sometimes we are lending for them so that they can do two days on-site and then
CA

California 2025-2026 Regular Session

Assembly Floor Session May 29th, 2025

California House Floor Meeting

Transcript Highlights:
  • legislature, the moments that stick with me the most are the moments where I have been privileged to lend
Summary: The Assembly convened after a quorum call, prayer, and Pledge of Allegiance, then moved through a long daily file with numerous guest introductions and recognitions, including tributes to outgoing University of California President Michael Drake, student and community advocates, and visitors connected to foster care, military appreciation, and college savings. The chamber also took up several procedural items, including concurrence in Senate amendments to ACR 75 on California Farm Week, which passed 59-0. Members then adopted AJR 7 on protecting federal special education funding and services for students with disabilities, with broad bipartisan support and a 65-0 vote after 63 co-authors were added. The Assembly also adopted ACR 82 recognizing Foster Care Month and ACR 85 recognizing 529 College Savings Day by voice vote after adding co-authors, and ACR 89 recognizing Military Appreciation Month, also adopted by voice vote after co-authors were added. These resolutions featured testimony and remarks emphasizing support for vulnerable children, foster youth, military families, and access to higher education. On policy bills, the Assembly passed AB 929 on groundwater and managed wetlands (41-14), AB 1026 on utility connection timelines for housing projects (52-0), AB 1332 on direct shipment of medicinal cannabis under specified conditions (55-0), AB 1356 on follow-up reporting in DHCS death investigations at treatment facilities (54-0), and AB 671 on streamlining restaurant openings through self-certification of certain plans (62-0). The chamber also approved AB 715 on anti-Semitism and school climate after extensive debate and cross-caucus support, 64-0, and AB 33 on autonomous vehicle deliveries requiring a human safety operator, 52-6. Later, AB 5 on election ballot-counting timelines passed 66-0, AB 27 and AB 28 addressing the Chiquita Canyon landfill disaster passed 61-0 and 44-6 respectively, and the Assembly began consideration of AB 43 to extend state authority over wild and scenic rivers.
CA
Transcript Highlights:
  • that I'm gonna get this over the next few years is absolutely makes it possible to you know even get lending
TX
Transcript Highlights:
  • This lends itself to embedding confirmation bias and logical errors that can easily lead to misdiagnosis
TX

Texas 89th Regular

Senate Session Apr 7th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • But as we try to get, I guess it's, you would, I think, maybe characterize this as truth in lending,
Summary: The Senate opened with a quorum call, invocation, approval of routine motions, and the reading of gubernatorial nominations and several honorary resolutions. The chamber adopted resolutions recognizing Jack and Jill of America Day and DJ Daniel Day at the Capitol, with multiple senators offering remarks praising youth leadership, perseverance, and public service. The Senate also introduced the Doctor of the Day and then proceeded to a long series of floor actions on bills. A major focus was Committee Substitute for Senate Bill 568, which overhauls special education funding and services in public schools by moving from a placement-based model to an intensity-based system tied to student needs and IEPs. Senators Bettencourt, Creighton, and Menendez emphasized transparency, parent input, evaluation funding, dyslexia services, and better alignment of funding with actual services; Senator Hinojosa shared a personal story about dyslexia and the importance of early intervention. The bill was advanced on second and third reading and finally passed 30-0. The Senate also passed SB 1396 to prohibit national sex education standards in public schools, SB 2065 on the Texas Emergency Services Retirement System, SB 1664 requiring clearer public disclosure of transmission and distribution utility rate changes, SB 1029 on advertising certain used motor vehicles, SB 1120 expanding rights for family violence victims, SB 1036 regulating residential solar retail transactions, SB 464 creating school-proximity restrictions and penalties for tobacco and vaping sales, SB 1035 giving farmers and ranchers equitable relief from certain local agricultural regulations, SB 1610 addressing civil commitment facility safety and prosecution issues, SB 1197 extending drone restrictions to spaceports, and SB 1386 changing legislative witness immunity from transactional to testimonial immunity. Another major bill was Committee Substitute for Senate Bill 1188, which updates electronic health record requirements. Senator Kolkhorst said the bill builds on Texas medical privacy law by requiring U.S.-based storage of EMR data, prohibiting recording of voter registration status and credit score information, requiring provider verification and disclosure for AI-assisted diagnosis or treatment recommendations, preserving parental access to minors’ records until age 18, and ensuring EMRs can capture metabolic health and biological sex information. A floor amendment clarified the bill’s scope and enforcement, and the bill passed 23-7. Several measures drew debate, especially SB 414 on bond ballot transparency, where Senators Eckhardt and Menendez questioned whether requiring estimated interest and total debt cost on ballots could be misleading or difficult to implement because interest rates and financing terms can change before issuance or over time. The transcript ends during that discussion, with no final action shown on SB 414.
FL
Transcript Highlights:
  • I want to lend all of my background along with the new board members.
Summary: The committee first took up a confirmation for UCF trustee reappointment candidate Mr. Christie, who described his long service on the board, his UCF business-school background, and his focus on strengthening UCF’s financial foundation, workforce alignment, and engineering and technology programs. Members praised his service and asked about UCF’s future direction, including its role in Florida’s space and engineering sectors. He was allowed to leave early for a meeting with the governor. The committee then heard the Higher Education Appropriations budget presentation for fiscal year 2025-26. The chair outlined a proposed $11.5 billion higher education budget emphasizing workforce education, Florida College System operations, career and technical education, the GATE program, nursing education through the Florida Center for Nursing, UF/IFAS agriculture technology, tutoring, autism and neurodevelopment services, student financial aid, and $250 million for state universities through the Board of Governors. Senator Davis asked about line grant flexibility, and the chair said a conforming bill would address details. The committee adopted a motion allowing technical corrections and then adopted the budget proposal as a recommendation to the full Appropriations Committee. The remainder of the meeting focused on confirmations for university boards, especially the University of West Florida, where several nominees were questioned about Title IX compliance, free speech, workforce readiness, military/veteran ties, and prior statements about privatization and higher education. Rebecca Matthews, Rachel Moyah, Ashley Ross, and Adam Kessel each described their backgrounds and goals for UWF; Kessel faced extensive questioning about his past writings on privatization, the GI Bill, and speech suppression, and said he would not recommend privatizing Florida universities and supported veterans’ education benefits. Public testimony on UWF was largely opposed, with speakers arguing the nominees lacked local ties and warning the slate would harm the university and community. The committee also heard from FAMU reappointment nominee Judge Belvin Perry, who emphasized student success, workforce quality, and FAMU’s continued rise, and from UCF nominee Mark Philburn and FSU nominee Peter Jones, both of whom highlighted their professional experience and commitment to student success and prudent stewardship. The meeting extended its time to 6:30 p.m. to continue hearing nominees and public testimony.
FL

Florida 2025 Regular Session

Appropriations Committee on Higher Education Mar 26th, 2025

Appropriations Committee on Higher Education

Transcript Highlights:
  • I want to lend all of my background along with the new board members.
Summary: The committee first heard a confirmation from UCF trustee reappointee Mr. Christie, who described his background in medical devices and prior board service and said he wanted to help UCF strengthen its financial foundation, workforce alignment, and engineering and technology pipeline. Members asked about UCF’s direction, and he emphasized the university’s role in producing engineers and supporting Florida’s space and technology sectors. The committee then moved to the higher education budget for fiscal year 2025-26, which was presented as an $11.5 billion total budget including local funds and focused heavily on workforce education, nursing, agriculture technology, tutoring, student aid, and university initiatives. Chair Harrell highlighted increases for school district workforce education, Florida College System operations, career and technical education grants, the GATE program, nursing education through USF’s Florida Center for Nursing, UF/IFAS rural and agricultural programs, UCF’s Community School Grant Program, UF’s literacy and tutoring initiatives, autism and neurodevelopment services, full funding for major scholarship programs, and $250 million for state universities through the Board of Governors. Senator Davis asked about line grant flexibility, and Harrell said a conforming bill would address the details. The budget proposal was adopted as a recommendation to the full Appropriations Committee, with staff authorized to make technical corrections. The committee then took up a series of confirmations, beginning with Florida State University reappointee Peter Collins, who emphasized his long FSU ties, leadership on the board, and goal of keeping FSU on a path toward top-10 status and AAU membership. Rebecca Matthews, a new University of West Florida appointee, discussed her education-related volunteer work, Florida Education Foundation service, and interest in supporting UWF’s continued excellence; senators questioned her on Title IX and she said she would support student protections and compliance. Rachel Moyah, another UWF appointee, highlighted her education, school board experience, and priorities of student safety, fiscal discipline, and workforce readiness; she also said she would comply with Title IX and other applicable rules. Ashley Ross, also nominated to UWF, said she would focus on university advancement, military ties, cybersecurity, civil engineering, and strong governance, and agreed that Title IX protections should be preserved and advanced. The most extensive questioning came during the confirmation of Adam Kessel, a UWF appointee and Heritage Foundation fellow, who was asked about prior writings on privatizing public universities, his comments about the GI Bill, and his views on free speech and Project 2025. Kessel said he did not recommend privatizing Florida universities, clarified that his comments about the GI Bill and over-enrollment were about broader higher education policy, and said he supports veterans and the GI Bill. He described his higher education work as focused on civic education, accreditation, student success, tenure, and free speech, and said trustees should improve campus culture through policies, training, and institutional neutrality. Public testimony on UWF was sharply divided: former UWF leaders and community members warned that the new slate of trustees and their vote to make Scott Yenor chair had chilled donations, enrollment, and community trust, while a James Madison Institute representative praised Kessel’s scholarship and thoughtful approach. The committee also heard from FAMU reappointment Belvin Perry, who cited his judicial career and board service and said his goal is to support student success, retain strong faculty and staff, and help FAMU continue rising in national standing. Finally, the committee began hearing from remote appointees, including UCF nominee Mark Philburn, who emphasized his construction, affordable housing, and higher education board experience, and FSU nominee Peter Jones, who described his finance and investment background and long service to FSU boards and committees. The last nominee heard before the transcript ended was Florida Gulf Coast appointee Paul Applegarth, whose audio issues delayed his remarks; he began by noting his prior federal confirmation, military service, and GI Bill-supported education.
NM

New Mexico 2025 Regular Session

House - Judiciary Mar 20th, 2025

House Judiciary

Transcript Highlights:
  • are going to tell you they're drowning in cockfighting cases, that it is a culpable conduct and it lends