Video & Transcript Research : 'iris scan'
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MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 3/3/26
Judiciary Finance and Civil Law
Transcript Highlights:
- system is not connected to cameras, cannot be used for real-time monitoring, and is never used to scan
- So multi-thousands of scans have been done through CISA since about 2014, 2015, that a law enforcement
- So multi thousands<00:19:22.320>
of <00:19:22.480>scans <00:19:22.880>have <00:19 - :23.120>
been <00:19:23.280>done thousands of scans have been done thousands of scans have - can you give us some info I've do a scan can you give us some info I've done<00:19:36.000>
many
Keywords:
facial recognition, privacy, government surveillance, public safety, data protection, civil liberties, disability rights, discrimination, accommodations, employment, housing, public services, education, civil action, failure to render aid, damages, Minnesota Statutes, legal liability, trespass, civil immigration enforcement
Summary:
The committee approved the minutes from February 24 and February 26. It then took up House File 3661, a bill originally authored by Representative Gomez and presented by Representative Feist, which would ban government use of facial recognition technology and be re-referred to the Public Safety Finance and Policy Committee. The committee adopted the A1 amendment, described as a technical amendment based on House Research recommendations, before hearing testimony on the bill.
Representative Feist said the bill is aimed at preventing serious privacy and civil-liberties harms, including secretive surveillance, racial and gender bias, and the lack of statewide rules governing government use of facial recognition. Supportive testimony came from Chad Marlo of the ACLU, who argued the issue is bipartisan, the technology has accuracy problems, and government use is expanding against vulnerable groups. Chris Wayland of Restore the Fourth Minnesota also supported a ban, emphasizing the inability to opt out of facial recognition and the lack of standards, disclosure, and community input. Rich Newmeister urged stronger transparency measures, including agency policies and public notice in buildings using the technology.
Major Spencer Baky of the Hennepin County Sheriff's Office opposed an outright ban, saying facial recognition is used only as an investigative lead, not for positive identification or real-time surveillance, and that results are corroborated before use. He said the office has used the tool in hundreds of investigations and supports a statutory framework with safeguards instead of a ban. In member discussion, Representative Hudson argued a blanket ban was too broad and suggested a more targeted evidentiary approach, while Representative Moller and Representative Kurr expressed concern about misuse and the federal government's use of the technology. Representative Durant asked whether there was a current Minnesota problem and whether stakeholders and law enforcement had been involved in drafting the bill. No final vote on the bill was taken in the portion provided, beyond adoption of the amendment and the committee’s continued consideration of HF 3661.
KY
Kentucky 2025 Regular Session
Legislative Ethics Commission (10-14-25)- part 3
Transcript Highlights:
- And what we do with those, they fill out a sheet of paper, they scan it, and send it to us along with
- sheet of do with those, they fill out a sheet of paper,<00:03:41.920>
they <00:03:42.239>scan - 43.680>
send <00:03:43.920>it <00:03:44.080>to <00:03:44.239>us paper, they scan - it, and send it to us paper, they scan it, and send it to us along<00:03:44.720>
with <00:03:44.959
Summary:
The commission first returned from executive session and reported that no action was taken. It then approved a motion finding there was no reason to believe the respondent in case 25 LAC1 had committed or was about to commit a violation of the code, and dismissed the complaint under KRS 6.86(1)(b)3.
Members next reviewed and approved the September financial report, which staff said was based on state accounting data and showed the commission within year-to-date budget parameters. Staff also reported that all required forms for the recent reporting period had been filed and that there were no outstanding forms.
The main substantive discussion concerned a proposed one-year, $6,000 contract with Tyler Technology/Kentucky Interactive to add an online payment portal for the commission’s re-registration process. Staff said the system would let employers pay registration fees online using an employer ID, reduce manual handling of 3,000 to 3,500 forms and hundreds of credit card payments, and improve security by keeping credit card information out of commission staff hands. Members asked about user fees and procurement concerns; staff explained that users would still pay the existing credit card processing fee, that an e-check option would also be available, and that the $6,000 cost was viewed as below the de minimis threshold. The commission approved the contract.
In other updates, staff said informal opinions were included in the materials and remained confidential, reported on a presentation to the UK Martin School, noted that the regular session calendar would likely require meetings to shift during the legislative session, and said the commission’s statutory recommendations had been received by LRC and referred to a state government committee. The meeting then moved into executive session to discuss a personnel matter.
TX
Texas 89th Regular
S/C on Disease Prevention & Women's & Children's Health Apr 3rd, 2025
S/C on Disease Prevention & Women's & Children's Health
Transcript Highlights:
- out House Bill 2298 relating to the grant program. program supporting the use of AI technology in scanning
- Using augmented intelligence technology to scan medical images for cancer can increase cancer detection
- administered by HHSC supporting qualified hospitals and healthcare facilities to implement AI technology to scan
- Just noting a spot that's not on the x-ray or the scan—what are the other things that go along with it
- primarily due to the absence of a screening program up until now. 2015 when CMS passed low-dose CAT scan
Keywords:
maternal health, maternal care, pregnancy, labor and delivery, postpartum, doula, birth worker, midwife, obstetric care, women's health, rural health, health workforce, workforce development, trauma-informed care, public outreach campaign, health equity, minority health, underserved communities, Texas Department of State Health Services, HHSC
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on State Administration and Regulatory Oversight Jun 21st, 2026 at 10:30 am
Joint Committee on State Administration and Regulatory Oversight
Transcript Highlights:
- But surgery revealed what scans didn't.
- The cancer had already... ...but surgery revealed what scans didn't.
- No lump, no symptoms, missed on mammogram, invisible on scans, caught late. It's devastating.
- 50% or more of the metastatic disease in somebody's body who has lobular has never been seen on a scan
- We desperately need... ...different new lobular-specific scans, protocols, and treatments.
Summary:
The committee first heard testimony on a proposed Massachusetts baby bonds program, including H. 3429, S. 2146, and the Treasurer’s related bill H. 48. Treasurer Goldberg and a broad coalition of advocates, researchers, health professionals, and people with lived experience said the program would create trust accounts for children born into low-income families or in DCF custody, with funds available at age 18 for education, homeownership, business startup, or other long-term asset-building uses. Supporters argued the program would help close the racial wealth gap, improve economic mobility, and not affect eligibility for financial aid or public benefits. Committee members asked about administration, investment returns, eligibility, and withdrawal rules; the Treasurer said the accounts would be held in trust and managed by her office with an advisory board, with funds accessible at 18 and usable through age 35 if the beneficiary remains a Massachusetts resident. No vote was taken during the testimony shown.
The committee also heard testimony on legislation establishing Lobular Breast Cancer Awareness Day, including S. 2666 and H. 4625. Senator Ross, Representative Badger, physicians, survivors, and advocates described invasive lobular carcinoma as difficult to detect because it often grows in lines rather than forming a lump, can be missed on mammography, and is underfunded and underrepresented in research and clinical trials. Witnesses said the bill would codify an annual October 15 proclamation to raise awareness, improve diagnosis, and encourage more targeted research and treatment. Committee members asked why the disease is so hard to detect, and medical witnesses explained the imaging challenges and the lack of lobular-specific protocols. The witnesses urged favorable reports.
The committee then took testimony on H. 4648, a bill concerning the purchase or lease of Fenn Farm in Stockbridge by the Stockbridge-Munsee community. Representative Davis, the Stockbridge Land Trust president, and the tribal president testified that the bill would remove a conservation restriction tied to a state MVP grant so the tribe could manage the land without a restriction that they said would conflict with tribal sovereignty and Indigenous stewardship practices. They said the parcel is a sacred site connected to Monument Mountain and that the restriction is unnecessary because the land is already surrounded by conserved property. The witnesses asked for favorable action on the bill.
Finally, the committee heard testimony on H. 3416, a resolution urging Congress to create a national infrastructure bank. Representative Senna and several advocates argued that an off-budget infrastructure bank could finance major repairs and upgrades to roads, bridges, rail, water systems, broadband, and housing without adding to the state budget, while creating jobs and supporting economic growth. Witnesses cited historical precedents for national infrastructure banks and said Massachusetts could benefit substantially from such a program. The transcript shown does not include a committee vote or final action on the resolution.
NM
New Mexico 2026 Regular Session
Senate - Health and Public Affairs Feb 16th, 2026 at 02:54 pm
Senate Health & Public Affairs
Transcript Highlights:
- know that we can diagnose, and this bill is asking that everyone over the age of 50 get a calcium scan
- Is that calcium scans are technically high-end radiology procedures, and virtually every health plan.
- Myalgias, and so I went on a PCSK9 inhibitor myself because I just on a lark went and got a calcium scan
- My scan was 2000.
- This bill will save health Plans so much money because once you get a calcium scan, there's no more workup
HI
Hawaii 2025 Regular Session
TCA Public Hearing 03-11-2025
Transcript Highlights:
- or appropriate county department, when disposing of a deceased cat or dog from a public roadway, to scan
- Yeah, uh, how does the scanning do—you just sort of scan what's there? You're both there?
- Yeah, uh, how does the scanning do—you just sort of scan what's there?
- Do you just sort of scan what's there?
Summary:
The Committee on Transportation and Culture heard testimony on several transportation-related bills. HB 1422, which would exempt certain community-based organizations providing transportation services from motor carrier law, drew support from the Department of Transportation, PUC, DLNR, Kauaʻi County, the Hōnaunau Initiative, and others; members asked about narrowing amendments to prevent unintended use, and the bill later advanced with amendments, including a three-year sunset. HB 1162, requiring motorcycle instruction permit applicants to complete a DOT-approved basic rider course, received support from DOT and Honolulu Customer Services; it advanced with amendments to address city and county concerns and to allow more implementation time. HB 1259, which would remove the need for an engineering study when reducing speed limits by up to 10 mph, had mixed testimony and was deferred for further discussion. HB 1260, establishing summer streets pilot programs for counties other than Oʻahu, drew support from DOT, DOH, UH, Hawaiʻi Appleseed, bicycling and public health groups, and individuals; DOH and others asked that Oʻahu be included, but the measure was deferred for later decision-making. HB 177, making civil ID cards free, had opposition from DOT and Honolulu Customer Services and support from health advocates; DOT said the program costs about $1.3 million annually and would need replacement funding, and the bill was deferred. HB 862, authorizing motor coaches, small buses, and vans for school bus services under certain conditions, received broad support from disability advocates, DOE-related entities, neighborhood boards, and private providers, with testimony emphasizing flexibility and accessibility; it was deferred. HB 667, requiring microchip scanning and reporting when deceased cats or dogs are removed from roadways, was supported by DOT, the Hawaiian Humane Society, and many animal groups and individuals, and was passed unamended. HB 960, increasing the cap on certain DOT capital investment contracts, and HB 228, authorizing electronic license plates and banning plate-obscuring devices and flipping devices, were both heard and then deferred. HB 1156, increasing the amount of special facility revenue bonds available for harbor improvements, received support from DOT, the Island Chamber of Commerce, Alakaʻi Energy, and the Harbor Users Group, and was passed unamended to Ways and Means.
NM
New Mexico 2025 Regular Session
IC - Land Grant Aug 14th, 2025
House Rural Development, Land Grants And Cultural Affairs
Transcript Highlights:
- But mobile document scanning is probably one of the biggest things that I think is advantageous for rural
- There are a bunch of different platforms out there: Adobe Scan, Genius Scan, iPhones, Androids, all of
- People are scanning and uploading things for me. Um, also, the signature thing too, as well.
- Like the ability to use digital signature scanning, use of their cell phones.
- I'm like, well, we could start scanning These things. Use your cell phone.
NH
Transcript Highlights:
- We are going to start with HB 1175, relative to the offense of using scanning devices or recorders to
- the Dunkin Donuts machine with the card, she scanned the square chip reader that she had on her hip.
- >> And rather than scanning the Dunkin >> And rather than scanning the Dunkin Donuts<00:07
- <00:07:37.919>
she Donuts machine with the card, she Donuts machine with the card, she scanned - the square chip reader that she scanned the square chip reader that she had<00:07:41.840>
on <
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, April 27, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- scanning technology for certain<03:15:51.359>
returns <03:15:52.160>and <03:15:52.479>< - requiring the IRS to implement scanning requiring the IRS to implement scanning technology<03:17
- character scanning and optical character recognition<03:17:50.560>
or <03:17:50.800>OCR - the IRS increase its usage of scanning the IRS increase its usage of scanning technology<03:23:12.399
- It's long past time that the IRS implements scanning technology to improve the speed and accuracy of
TX
Texas 89th Regular
Senate Committee on Health and Human Services (Part I) May 7th, 2025
Health & Human Services
Transcript Highlights:
- In fact, they have a Mother's Day special going on where you can get a scan for $595.
- Now, the scanning device itself is about $2 million, and I actually had, this last one showed a little
- With this scan, you look under the hood, and I have sent many people who have had heart conditions to
- With this type of scanning, we can prevent death.
- Enright testified he had a zero calcium score, and yet when he did the other scan with the soft plaque
Bills:
HB18, HB37, HB116, HB388, HB879, HB913, HB1151, HB2216, HB2358, HB2809, SB577, SB1590, SB1782, SB1887, SB2744, HB18, HB37, HB116
Keywords:
rural health, hospital funding, healthcare access, mental health services, financial stability, perinatal bereavement, healthcare, hospital training, bereavement support, maternal care, fetal demise, stillbirth, neonatal death, parent-child relationship, involuntary termination, family law, child welfare, child protection, HB 388, HB388
TX
Texas 89th 2nd C.S.
S/C on Family & Fiduciary Relationships Apr 14th, 2025
S/C on Family & Fiduciary Relationships
Transcript Highlights:
- By returning those licenses, which I've given you each one of, um, The scanning of that diminishes the
- If we get a scanned copy, there's no guarantee that, number one, the email will go through that it's
- The clerks, when they scan it in the office, we're able to make sure that we get the clearest, most perfect
- We can't guarantee the scan and the integrity of the document if it's done, submitted back to the clerk
- via a scan.
TX
Texas 89th Regular
S/C on Family & Fiduciary Relationships Apr 14th, 2025
S/C on Family & Fiduciary Relationships
Transcript Highlights:
- The scanning of that diminishes the quality of the license and affects the appearance of the license.
- If we get a scanned copy, there's no guarantee that, number one, the email will go through that it's
- When they scan it in the office, we're able to make sure that we get the clearest, most perfect representation
- We can't guarantee the scan and the integrity of the document if it's submitted back to the clerk via
- a scan.
MN
Minnesota 2025-2026 Regular Session
House Public Safety Finance and Policy Committee 3/28/25
Public Safety Finance and Policy
Transcript Highlights:
- We took that documentation, had it scanned, indexed, and we'll be merging it with a record management
- It's electronically transferred back here after it's scanned and then printed here. Mr.
- It's electronically transferred back here after it's scanned and then printed here. Mr.
- It's electronically transferred back here after it's scanned and then printed here. Mr.
- It's electronically transferred back here after it's scanned and then printed here. Mr.
Bills:
HF2432
Keywords:
HF2432, judiciary finance bill, public safety finance bill, corrections policy, crime victims, victim services, Minnesota victims of crime account, court fees, marriage license fee, financial crimes, fraud investigations, insurance fraud, Bureau of Criminal Apprehension, BCA, Commerce Fraud Bureau, wage theft, automobile theft prevention, nonprofit security grants, 911 funding, POST Board
AZ
Transcript Highlights:
- it, this technology—assuming, and we all don't want sex offenders in schools—but you would have to scan
- The bill does say that it would detect the presence of these individuals through biometric scanning,
- Chair, if somebody was going to scan this room to ascertain if there was a sex offender in the room,
- you would have to scan everybody's face in order to do that, or, you know, common sense I think would
- Yep, that there is no prohibition on the scanning of student faces and a serious parental concern here
Bills:
HB4154, HB4155, HB4156, HB4157, HB4158, HB4159, HB4160, HB4161, HB4162, HB4163, HB4164, HB4165, HB4166, HB4167, HB4168, HB4169, SB1847, SB1848, SB1849, SB1850, SB1851, SB1852, SB1853, SB1854, SB1855, SB1856, SB1857, SB1858, SB1859, SB1860, SB1861, SB1862
Keywords:
general appropriations act, budget, biennial budget, state spending, fiscal year 2026-2027, appropriations, state agencies, public funding, education funding, health and human services, public safety, transportation, government operations, budget bill, fiscal policy, state finance, spending plan, legislative budget, capital appropriations, operating budget
NH
Transcript Highlights:
- Would you entertain covering a more broader area so that our licenses can stop being scanned?
- they will not do it if they don't scan they will not do it if they don't scan your<00:57:02.000>
- scanned? scanned? Yeah,<00:57:26.160>
I <00:57:26.400>would. - But I find this very Orwellian, that we're going down this road of being able to scan our information
- But I find this very Orwellian, that we're going down this road of being able to scan our information
MN
Minnesota 2025-2026 Regular Session
House DFL Press Conference 3/25/26
Transcript Highlights:
- folks will say like, "Oh, any store's rewards program, they're looking at what's being sold when you scan
- folks will say like, "Oh, any store's rewards program, they're looking at what's being sold when you scan
- folks will say like, "Oh, any store's rewards program, they're looking at what's being sold when you scan
- >> Within grocery stores, there's a job classification called sometimes they call it a scanning coordinator
- >> Within grocery stores, there's a job classification called sometimes they call it a scanning coordinator
Summary:
The meeting focused on proposed Minnesota legislation to ban surveillance pricing and restrict AI-powered electronic shelf labels in grocery stores. Speakers from UFCW 1189 and UFCW Local 663, along with Rep. Samantha Sencer-Mura and Senate Majority Leader Erin Murphy, argued that these technologies could enable real-time price increases based on consumer data, undermine budgeting and privacy, and worsen affordability for families. They also said the technology could reduce hours or eliminate jobs for grocery workers who currently handle pricing and store knowledge, with UFCW Local 663 estimating about 500 affected jobs among its members alone.
Testimony emphasized examples such as baby formula, diapers, bananas, and milk to illustrate how fluctuating prices could hurt families, seniors on fixed incomes, and people in food deserts. Speakers also argued that grocery workers provide essential customer service and that automation should be introduced responsibly, not at the expense of workers or consumers. Murphy and Sencer-Mura framed the bill as a response to corporate greed and big tech surveillance, saying Minnesota should act proactively before the practices become widespread.
During questions, lawmakers and advocates discussed whether the issue was proactive or reactive, whether disclosure requirements like those used in New York would be sufficient, and how surveillance pricing differs from loyalty programs or coupons. Speakers said disclosure alone would not prevent tracking or price manipulation and that the goal was to stop the practice altogether. The transcript ended with the advocates saying they would continue meeting with lawmakers on both sides of the aisle; no vote or final committee action was recorded in the excerpt, though one question referenced a related bill stalling in committee earlier that morning.
MO
Transcript Highlights:
- So they took out a tool, they purchased a tool for ADA compliance, and they scanned their website, and
- Based on what they told me, they believed that it was actually that scanning tool and the use of that
- scanning tool that flagged them to some of these nefarious actors and put...
- Has anyone looked into this situation where someone does a scan, you know, paying for a scan, and then
OK
Oklahoma 2026 Regular Session
Transportation REVISED- IS25-084 Removed - New Start Time - 1pm Oct 28th, 2025
Transportation
Transcript Highlights:
- They scan it. Then they take a facial recognition and then they clear me.
- again, I know, being on the alcohol committee here and watching them walk in with fake IDs that will scan
- I mean, you scan it, it... you scan the... the, it's a background check.
- , do we know an error rate that would require additional, you know, in other words, you know, they scan
Summary:
The committee held an interim study on airport security vendors, prompted by Representative Hayes’s earlier House Bill 1271, which would have restricted Oklahoma airports from contracting with third-party identity verification companies such as Clear. Hayes explained the bill stemmed from concerns raised after a December 2022 TSA letter and broader questions about whether these vendors create security risks or bypass TSA screening. The committee heard first from Clear, then Idemia, and then Tulsa International Airport, with members focusing on how identity verification works, whether it differs from TSA screening, and whether the state should regulate these services.
Clear’s representative said the company provides an opt-in biometric identity verification service at airports, not physical screening, and that every passenger still goes through TSA screening. He said Clear operates in about 60 airports in roughly 40 states, has about 40,000 members in Oklahoma, and has paid more than $1.1 million to Oklahoma airports since launching in the state. Members questioned how Clear verifies IDs, whether Real ID is required, whether the company can manually override biometric checks, whether it shares data, and whether it has had security issues. Clear said it uses source corroboration with state DMV systems, does not sell data, has no manual override, and has worked with TSA on security upgrades after earlier concerns.
Idemia’s representative described the company’s broader biometrics work for Oklahoma and the federal government, including fingerprint systems for the Oklahoma Bureau of Investigation, civilian background-check enrollment, TSA checkpoint credential authentication technology, and TSA PreCheck enrollment. She said Idemia’s role stops at identity verification and that TSA retains responsibility for screening and for decisions about who enters trusted traveler programs. Tulsa International’s COO said Clear does not replace TSA, that TSA retains exclusive authority over screening, and that the airport leases space to Clear and receives revenue from the arrangement. No vote was taken, and the meeting ended after questions and testimony.
TX
Texas 89th Regular
Licensing & Administrative Procedures Mar 11th, 2025
Licensing & Administrative Procedures
Transcript Highlights:
- them most often. a phone or potentially an internet website. ticket from a licensed retailer, they'll scan
- They will then go and scan that at the lottery ticket. terminal. By hand? Yes, by hand. Okay, okay.
- they will take that ticket that's generated by the terminal and they'll take it to kind of a flatbed scan
- . or something like that, they'll kind of scan that and they'll reassociate that back to the player's
- developed their own. um, QR code so that when they deliver that play from the courier, they were scanning
ND
North Dakota 2026 1st Special Session
Joint Appropriations Jan 21st, 2026 at 12:30 pm
Appropriations
Transcript Highlights:
- Accessibility scans are something that we're going to see more of built into software.
- This is where we have the scanning tools.
- We've been using a website scanning platform for several years.
- So when we scanned, we wrote the contract to cover all state agencies. ...contract.
- So when we scanned, we wrote the contract to cover all state agencies.
Bills:
HB1623
Keywords:
HB 1623, North Dakota, rural health, rural health transformation program, medical facility infrastructure loan fund, medical facility infrastructure loan program, rural health loan program, Bank of North Dakota, Department of Health and Human Services, HHS, federal grant, health care infrastructure, rural hospitals, critical access hospitals, nonprofit health care providers, gap financing, loan fund, public health funding, healthcare financing, Medicaid
Summary:
The committee first heard House Bill 1624, the “Universal Lunch Bill,” from Rep. Mike Nathie. He argued the proposal should be placed in Century Code rather than the Constitution so future legislatures can adjust it if state finances tighten, and said the bill would start the program a year earlier with a $65 million appropriation for one school year. DPI testified that the estimate did not include nonpublic schools that do not participate, and members questioned the impact on Title I, free-and-reduced applications, private-school accountability, breakfast mandates for schools that do not currently serve breakfast, and whether the funding could come from the DPI budget or other sources. Supporters, including North Dakota United, the North Dakota Catholic Conference, a pediatrician, and the American Heart Association, said universal meals improve student health and learning, reduce family costs, and are better handled in statute than by constitutional amendment. No opposition testimony was offered, and the chair closed the hearing for later work-session action.
The committee then took up House Bill 1627, introduced by Rep. Tye Dressler, which would raise the income threshold for the state-funded school lunch program from 225% to 300% of poverty, with an estimated cost of about $7 million for 2026-27. Dressler said the bill is intended as a targeted, budget-friendly alternative to the ballot measure and emphasized that the state should maximize federal meal dollars while improving participation in the current program. Members questioned whether raising the threshold would actually increase utilization, whether a dollar amount would be clearer than a percentage, and how the change would affect federal reimbursements and application rates. DPI said it could quickly calculate additional percentage levels, and the chair closed the hearing, directing DPI to prepare more numbers for the work session.
Finally, the committee opened Senate Bill 2403, presented by Sen. Schiable, to create a short-term bridge-loan program for financially distressed hospitals, centered on Jacobson Memorial Hospital in Elgin. The bill would authorize up to $5 million per loan, with a $10 million appropriation available on a first-come, first-served basis, and would run only through June 30, 2027. Schiable said the hospital’s debt and operating problems threaten local health care, ambulance service, and the community’s economy, and that the proposal was designed narrowly with Bank of North Dakota review to avoid creating a broad precedent. Committee members asked whether the appropriation could be reduced and whether the bank would still apply commercial feasibility and repayment standards; Schiable said yes, the bank would still evaluate the loan and could reject it if it was not sound.