Transcript Highlights:

• . >> Yeah, I would echo that actually from the HOA side.
• I would echo that actually from >> Yeah, I would echo that actually from the<00:16:36.320> HOA
• or to or to or to multifamily HOAs or to or to or to multifamily housing<00:31:48.480> um<00:
• , I mean, you're not multifamily or HOAs, I mean, you're not talking<00:32:21.200> about<00:32
• be sold HOAs, right? be sold HOAs, right? >> Yeah. >> Okay. >> Okay.

Keywords: 919, house, all

Summary: The task force approved the minutes from the previous meeting and then reviewed the structure and statutory requirements for its final report. Staff explained that the report must go to the commissioners of commerce, housing finance, and economic development, as well as relevant legislative leaders, and must include a summary of task force activities, adopted findings and recommendations, tort reform recommendations to reduce insurance costs, any draft legislation, and other necessary information. A draft report, likely excluding recommendations and draft legislation, is expected to be circulated before the first January meeting. Most of the meeting focused on the Fair Plan and whether it could be expanded to help homeowners associations, affordable housing, and common interest communities that are struggling to obtain coverage. Supporters said these groups are facing availability problems and often end up in the surplus lines market, which lacks the consumer protections of the admitted market. They argued the Fair Plan could serve as a third-market option with stronger protections and better access, especially for properties that are having difficulty getting quotes. Several members and witnesses raised concerns that the Fair Plan was never intended to be a broad affordability solution and warned against using it to artificially lower prices below risk-based levels. They said doing so could shift losses onto other policyholders through assessments and potentially weaken the broader insurance market. The Fair Plan administrator explained that any expansion would require substantial research, staffing, actuarial and underwriting expertise, reinsurance planning, IT changes, and likely assessments or other capitalization decisions, and that the plan would need to focus on a limited subset of properties rather than the entire market. No votes were taken on policy recommendations, and the discussion ended with agreement that more information and scoping work are needed before any formal recommendation is made.

Transcript Highlights:

• But HOAs or property management are not correct, okay.
• I think we do need to look at that as not only HOAs but also we're seeing like monies that have been
• taken into trust in these HOAs that are met for property management and they're walking out the door
• But HOAs or property management are not correct, okay.
• in these HOAs that are met for property management, and they're walking out the door with it.

Keywords: 1183, house

Transcript Highlights:

• I teach insurance and I'm also on our HOA board. >> Oh, cool. >> Hi there. I'm Anna Mitchley.
• I'm<00:03:40.000> also<00:03:40.239> on<00:03:40.480> our<00:03:40.640> HOA
• insurance and I'm also on our HOA board. insurance and I'm also on our HOA board.
• I work at a management company that manages HOAs.
• Um, so I have a lot of background in bringing the HOA perspective.

Keywords: 919, house, all

Summary: The task force held its first meeting on the insurance affordability crisis affecting single-family housing, common interest communities, and multifamily rental housing. Members and staff introduced themselves, including representatives from insurers, the Department of Commerce, housing advocates, affordable housing developers, and HOA/community association interests. Representative Steve Elkins was elected chair by roll call vote with 10 members in favor, after discussion that the Senate appointee’s formal appointment had not yet arrived; the group noted the intent to later move to co-chair leadership once that appointment is finalized. Staff reviewed the task force’s enabling statute and open meeting law requirements. The task force is charged with studying homeowners and commercial property insurance, property resilience and risk mitigation, liability laws and possible tort reform, notice and oversight issues, public reporting, and the state-supported insurance program, including possible expansion to a catastrophic reinsurance fund or self-insured pool. The final report is due February 15 and will go to the commissioners of commerce, housing finance, and employment and economic development, as well as relevant legislative committees. Members were also briefed on meeting logistics, a draft charter to be voted on at the second meeting, a resource page for shared materials, and the schedule of future meetings. The Department of Commerce then gave an overview of Minnesota’s property and casualty insurance market. Commerce described its regulatory role, the state’s competitiveness test, and how homeowners insurance is often filed under a “file and use” process rather than prior approval. The presentation emphasized that homeowners coverage has been under pressure for years: insurers have lost money in many recent years, premiums have risen, some consumers are taking on more risk through higher deductibles or reduced coverage, and some are moving into the surplus market. Commerce also highlighted the impact of severe weather losses, the growth in premiums since 2014, and gaps in oversight for homeowners associations and related policies. The meeting then shifted to brainstorming the problems the task force should address. Early discussion focused on climate and construction-related resilience, including hail and wind-driven rain damage, discontinued building materials, and whether stronger materials are reflected in insurance pricing. Members also raised the need to study programs like Alabama’s fortified roof model and Minnesota’s own Strengthen Minnesota Homes effort, along with questions about whether the construction industry is prepared to support broader resilience measures. No additional votes were taken during the discussion segment.

Transcript Highlights:

• Chair, Representative, so for many communities, because I've received questions about, what about HOAs
• So, for instance, I have a community in my district that has HOAs... What about HOAs?
• So, for instance, I have a community in my district that has HOAs.
• If they prohibit the building of a casita, you can't build a casita in that HOA region.
• Again, my communities reached out about the questions on HOAs, etc.

Keywords: 996, all

Transcript Highlights:

• The proposed legislation will benefit tenants, churches, HOAs, COAs, multi-family housing, and other
• tailored offerings for specific subclasses of consumers with unique needs like renters, churches, HOAs
• legitimate purpose that isn't solely the buying of insurance, hence the churches and the renters and the HOAs
• So I'm in an HOA, my HOA says, hey, we're, we're offering you lower cost home insurance.
• How could an HOA by grouping, by pooling homeowners come about that cost savings?

Transcript Highlights:

• So, we kind of got to this so that um we're seeing in some cities is that um you were seeing uh HOAs
• preeemption on HOAs demanded by cities. preeemption on HOAs demanded by cities.
• Those being the residential design standards and HOA provisions.
• Those being the residential design standards and HOA provisions.
• ,<01:20:55.199> every at my community, I have an HOA, every at my community, I have an HOA

Keywords: 1183, house

Transcript Highlights:

• As a HOA management company, we would have to go through even in large communities and try to recruit
• They can afford individuals to help them proceed through the processes that HOAs and common ownership
• , a lot of things that come with the HOA, a lot of things that come with the HOA, storm<00:41:14.000
• Um so with that, Madam the HOA board.
• and common ownership processes that HOAs and common ownership communities<00:43:13.760> go<00

Keywords: House streaming session for Friday, March 20, 2026, 957, house, all

Summary: The House met in Annapolis with 107 members present and proceeded through the journal and a series of Appropriations Committee reports. Several bills were advanced on favorable reports without amendment, including measures on constitutional officers’ salaries, correctional officer retirement systems for Dorchester and Allegany counties, Carroll and Calvert County public facilities bonds, higher education financial assistance for incarcerated individuals, and a bill on community college promise scholarship eligibility for Delmar High School graduates. Other bills received amendments before being ordered for third reading, including measures on community college trustee membership, Frederick Community College board meeting and training requirements, Howard County school funding disclosures, courts administrative judges’ stipends, correctional officers retirement membership clarifications, the Children’s Cabinet Fund, and a law enforcement pension bill limiting military service credit eligibility to helicopter pilots in state aviation units. The chamber also considered HB 1581 on horse racing facility ownership, development, licensing, and operations. Amendments expanded the bill to include additional economic development provisions for the Prince George’s County Blue Line corridor, Pimlico-related funding and community input requirements, a larger lottery-fund distribution for the racing community development financing fund, and changes to the bus rapid transit grant program. The bill’s favorable report as amended was adopted, and it was ordered for third reading. During debate on a separate amendment to HB 894, the Maryland Transit and Housing Opportunity Act, members argued over project labor agreements: opponents said PLA requirements raise costs and limit competition, while supporters said the provision was optional, supported stability and predictability, and was part of a broader compromise. The amendment was rejected after discussion, and the bill remained amended. The House also took up HB 1430 on charter school facilities funding, adopting amendments that reduced the per-pupil amount and narrowed eligibility for certain districts, then advancing the bill as amended. In addition, HB 1248 was amended to convert a part-time state employment pilot program into a work group, and HB 680 was amended to adjust future appropriations for local management boards. Across the session, most actions were routine committee report adoptions and amendment votes, with no recorded roll-call counts in the excerpt except the initial quorum call.

Transcript Highlights:

• Many consumers were struggling to find insurers that would allow them to add an endorsement for the HOA
• Now, our friends who represent the HOAs raised concerns at the time, as you may recall, Assembly Member
• and it can make it more difficult for HOAs to obtain adequate insurance in an increasingly unaffordable
• broad-based insurance market, especially for HOAs.
• for me to expect the HOA to be liable for that.

Keywords: 988, house, all

Transcript Highlights:

• So last year, I authored SB 770, which removed a requirement for HOA residents to name an association
• Many consumers were struggling to find insurers that would allow them to add an endorsement for the HOA
• Now, our friends who represent the HOAs raised concerns at the time, as you may recall, Assemblymember
• broad-based insurance market, especially for HOAs.
• for me to expect the HOA to be liable for that.

Summary: The committee heard several bills focused on civil rights, housing, public safety, and administrative process. Early items included SB 46, which would authorize the Secretary of State to remove constitutionally ineligible presidential and vice presidential candidates from California ballots; SB 1078, requiring notice to the Civil Rights Department when court filings involve civil rights violations; SB 989, expanding access to Care Court by letting first responders refer cases through county behavioral health agencies; SB 998, clarifying and expanding discrimination prevention coordinators in the new Office of Civil Rights; SB 1146, requiring disclosure for AI-generated health advertisements and giving physicians a limited private right of action; SB 1164, a California Voting Rights Act expansion responding to federal voting-rights rulings; SB 1256, a housing bill aimed at limiting repeated litigation over the Harmony Grove Village South project; SB 1267, addressing HOA liability and indemnification for EV charger installations; and SB 1425, authorizing an encroachment permit program for high-speed rail right-of-way management. The committee also later heard SB 873, restricting ICE arrests near courthouses, and SB 1160, requiring eviction data reporting by zip code. Most bills drew support from sponsors, advocacy groups, labor organizations, or local officials, while opposition centered on concerns about county workload, due process, fire safety, civil liberties, or the scope of the policy changes. Members generally expressed support for the bills while noting unresolved issues and the need for amendments or further stakeholder work, especially on SB 1164, SB 1256, SB 1267, SB 1425, and SB 1160. The Judicial Council opposed SB 1160 because of the burden of adding zip-code reporting to court systems, while the author and supporters argued the data would help target eviction-prevention efforts. SB 873 drew strong support from public defenders, immigrant-rights groups, and court-related stakeholders, with the San Bernardino County Sheriff’s Department opposing. SB 989 drew support from firefighters and family advocates, while Disability Rights California opposed, arguing Care Court is too costly and diverts resources from community-based services. SB 1164 received broad civil-rights and voting-rights support, with cities opposing unless amended over definitions, cure periods, and litigation risk. SB 1256 drew support from housing and labor interests and opposition from local residents and environmental groups concerned about fire safety and evacuation. SB 1267 was supported by the HOA and utility stakeholders after amendments addressing liability concerns. After quorum was established, the committee voted to pass a consent calendar and then approved the listed bills, sending them to the appropriate committees or to Appropriations, including SB 46, SB 873, SB 989, SB 998, SB 1078, SB 1146, SB 1164, SB 1256, SB 1267, and SB 1425. The transcript ends with SB 1160 still under discussion, with members indicating support for the bill’s goals but acknowledging the Judicial Council’s implementation concerns and the need for further work.

Transcript Highlights:

• This would not impact a positive ordinance, more so prohibiting a city or an HOA from saying that you
• know, including in this bill anything to do with property restrictions, as it, I mean, so you have HOAs
• They bought a few chickens to provide eggs for their kids, and because one neighbor in the HOA didn't
• I'm here today to, to, uh, say that I'm not against chicken ownership, but I am pro-HOA governance.
• And the HOAs are not very well organized to interdict dangerous activities.

Bills: HB294

Keywords: energy efficiency, tax exemption, residential properties, sustainability, real estate

Transcript Highlights:

• , as passed the House, outlined and updated various requirements for units purchased in a COA or an HOA
• You'll see... ...HOA, so a condo association or a homeowners association.
• myriad of things that are outlined that have to do with audits and reviews and information that an HOA

Keywords: 1182, all

Transcript Highlights:

• specific to the private covenants, there might be an expectation by property owners, especially in HOAs
• :15:38.000> Owners<00:15:38.319> especially<00:15:38.600> in<00:15:38.720> HOAs
• <00:15:39.120> or Property Owners especially in HOAs or Property Owners especially in HOAs
• <00:16:15.440> for<00:16:15.680> those<00:16:15.920> private<00:16:16.160> HOAs
• <00:16:16.759> those really is for those private HOAs those really is for those private HOAs

Keywords: 1191, senate, all

Transcript Highlights:

• anything, but this conversation Representative Drazkowski and I just had a hearing in Commerce regarding HOA
• anything, but this conversation Representative Drazkowski and I just had a hearing in Commerce regarding HOA
• anything, but this conversation Representative Drazkowski and I just had a hearing in Commerce regarding HOA
• thinking about how when we look at certain industries and we say, you know, part of the reason why HOA
• thinking about how when we look at certain industries and we say, you know, part of the reason why HOA

Keywords: 1183, house

Transcript Highlights:

• We're seeing more than 80% of new housing construction taking place within an HOA.
• /c><00:08:16.879> place<00:08:17.120> within<00:08:17.599> an<00:08:17.840> HOA
• construction taking place within an HOA. construction taking place within an HOA.

Keywords: 1187, senate, all

Transcript Highlights:

• to ensure a developer fulfills their promises and actually creates the HOA.
• to ensure a developer fulfills their promises and actually creates the HOA.
• to ensure a developer fulfills their promises and actually creates the HOA.
• to ensure a developer fulfills their promises and actually creates the HOA.
• Development unless they had an HOA.

Keywords: 1183, house

Transcript Highlights:

• First, the bill clarifies it is the duty of the HOA to repair and replace utility services to a common
• Second, it clarifies and aligns HOA election nomination notices with all other HOA notices at 30 days
• Approximately 65% of California homeowners belong to an HOA, many of whose governing documents limit
• I have a scenario: imagine paying HOA dues on time only to find out later that your HOA has changed payment
• HOA members are also dealing with confusing, inconsistent communication.

Keywords: 987, senate, all

Transcript Highlights:

• And then the other issue is how it's actually paid for, because when it's billed to the HOA, the HOA
• the bill is going to the HOA the bill is going to the HOA it's<05:53:37.360> being<05:53:
• for because when it's build to the HOA for because when it's build to the HOA the<05:53:55.638><
• Where the bill would go would not change; the bill would still go to the HOA, and then the HOA would
• and then the HOA would say okay this HOA and then the HOA would say okay this uh<06:18:33.200> bill

Keywords: 1189, house, all

Transcript Highlights:

• Chairman, yes, committee, House Bill 2588 adds requirements to HOA boards. I yield. All right.
• Could you give us some ideas of what requirements we're going to put on HOA boards?
• Want to be on the board, you need to actually own a home or a lot, and you need to live in the HOA.

Bills: HB4409, HB4414, HB4484, HB4486, HB3057, HB2588, HB4434

Keywords: housing, legislative committee, affordable housing, Oklahoma Housing Finance Agency, policy improvement, HB4414, Oklahoma Homebuilder Program, OHFA, single-family housing, homebuilder loans, 0% interest loan, housing finance, workforce housing, Legislative Workforce Housing Committee, housing needs assessment, community housing assessment, disaster recovery housing, federally declared natural disaster, rural housing, urban housing

Transcript Highlights:

• The proposed legislation will benefit tenants, churches, and HOAs. ...
• tailored offerings for specific subclasses. ...of consumers with unique needs like renters, churches, HOAs
• legitimate purpose that isn't solely the buying of insurance, hence the churches, renters, and the HOA
• So, I'm in an HOA, and my HOA says, "Hey, we're offering you lower cost home insurance."

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• I'd like to say thank you on behalf of my district, which is replete with HOAs.
• support you as you continue to lead the charge in the House for all homeowners that are involved in HOAs
• support you as you continue to lead the charge in the House for all homeowners that are involved in HOAs

Summary: The Housing, Agriculture, and Tourism Subcommittee met for its final meeting of the session and heard two bills. HB 1245, the Hunger-Free Campus Pilot Program, would create a pilot program in the Department of Agriculture for selected public postsecondary institutions with high Pell Grant populations to form hunger task forces, help students enroll in SNAP, provide on-campus food assistance, and develop meal-credit donation programs. The bill also directs OPPAGA to study food insecurity at public postsecondary institutions and recommend policy changes. Representative Franklin spoke in support, emphasizing student food insecurity and the impact of inflation on college completion. The bill had no amendments, no public opposition, and passed unanimously. The committee then heard HB 983 on homeowners associations, which would expand enforcement and oversight tools related to HOAs, including allowing local law enforcement and sheriffs to investigate, inspect, and audit associations, adding realtor disclosure requirements, and revising recall provisions to make it easier for homeowners to remove boards. An amendment was adopted to prohibit nominating committees in HOAs, aligning the statute with condominium law and preventing those committees from blocking candidates. Public testimony on the amendment and bill was in support, including from a Miami-Dade Sheriff representative and others. Members from both parties praised the bill as a homeowner-rights measure, and the bill passed unanimously as amended. After the bills, members offered closing remarks thanking Chair Salsman, the vice chair, ranking member, staff, and each other for a collaborative session. Several members highlighted the committee’s work on housing, agriculture, tourism, and the hemp work group, and the chair reflected that the committee process was intended to be member-driven and inclusive. The meeting then adjourned.