Video & Transcript Research : 'refinancing certificates'

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NH

New Hampshire 2025 Regular Session

House Session (03/26/2025)

New Hampshire House Floor Meeting

Transcript Highlights:
  • community college system of New Hampshire, but without New Hampshire State Board of Education certification
  • 51:11.200> Board<00:51:11.440> of<00:51:11.599> Education<00:51:12.200> certification
  • State Board of Education certification State Board of Education certification to<00:51:13.440>
  • Shifting bond rates, refinancing play.
  • Shifting bond rates, refinancing opportunities,<05:02:12.718> property<05:02:13.638> assessments
Keywords: 1189, house, all
TX

Texas 89th Regular

Ways & Means Apr 21st, 2025

Ways & Means

Transcript Highlights:
  • Operators must obtain certification from the railroad.
  • Use of Certificates of Obligation to Specific Urgent Needs reduces a maximum maturity period for certificates
  • Similarly, certificates of obligation remain an essential tool in our capital strategy.
  • In 2005, El Paso has utilized certificates of obligation twice.
  • But I think that there's a number of reasons for the issuance of certificates. certificates of obligation
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Thursday, March 19, 2026)

US Federal House Floor Meeting

Transcript Highlights:
  • believe that's going to come in closer to 11/12 because of higher interest rates and some of the refinancing
  • > of<03:32:47.279> the interest rates and some of the interest rates and some of the refinancing
  • 32:49.200> Um<03:32:49.680> but<03:32:49.920> this<03:32:50.160> is refinancing
  • Um but this is refinancing demands.
NH

New Hampshire 2026 Regular Session

House Children and Family Law (01/13/2026)

Children and Family Law

Transcript Highlights:
  • her, because in our divorce decree I was awarded our home and she received zero monies from the refinancing
  • monies from home and she received zero monies from the<01:07:01.359> uh,<01:07:01.520> refinancing
  • <01:07:03.440> Um, the uh, refinancing of our home. Um, the uh, refinancing of our home.
Keywords: 1189, house, all
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Feb 24, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • <01:12:23.920> a<01:12:24.159> dental see the certifications a dental see the certifications
  • Um, and uh, certification requirements.
  • certifications certifications um<01:30:54.639> uh<01:30:54.719> we<01:30:54.960> have
  • of certification language in there. of certification language in there.
  • have the proper certification for it. have the proper certification for it.
Summary: The committee heard testimony on HB 1697, which would exempt natural hair braiders from licensing requirements under certain conditions. The DCCA Board of Barbering and Cosmetology said it recognizes braiding as within the scope of cosmetology practice but warned that a broad exemption could create consumer protection gaps, especially around sanitation training, tool use, and enforcement. Supporters from the Institute for Justice and the Grassroots Institute of Hawaii argued the current licensing regime is overly burdensome and unrelated to braiding, citing the 1,250-hour training requirement, high tuition costs, barriers for low-income entrepreneurs, and the fact that many other states already exempt braiders. Committee members asked whether a standalone sanitation course or similar training could address the board’s concerns, and the board said it would bring that idea back for discussion. The committee also noted 16 written testimonies in support and 2 in opposition. The committee then took up HB 1678, relating to condominium and planned community association elections using cumulative voting. Supporters, including the Hawaii State Association of Parliamentarians, said the bill would clarify that cumulative voting applies to all candidates, including write-ins, and would help resolve confusion in association elections. One testifier urged the committee to remove proxy voting, calling it an abuse of power in some associations, while another asked whether cumulative voting and proxies could be manipulated to stack votes. In response, the parliamentarian explained that cumulative voting and proxy voting are different, that proxies simply allow someone to vote on another’s behalf, and that existing deadlines and counting procedures reduce opportunities for abuse. Testimony also emphasized that electronic or mail voting can be secure and efficient, and that the bill would make the process clearer and more democratic. Finally, the committee heard testimony on HB 1679, which would clarify an association board’s authority over electronic meetings, electronic voting, voting without a meeting, and mail voting without a meeting. Supporters said the measure would clean up statutory language, make electronic voting optional, and fix problems created by a 2024 change that made written-consent timing rules difficult to use for association actions. They also said the bill would clarify that proxies are only used at meetings, not for actions taken without a meeting. One opponent argued the bill needs further amendment because electronic voting is not well defined and could be abused, and questioned the neutrality of parliamentarians testifying on condominium bills. No votes were taken on any of the measures during the portion of the meeting provided.
HI

Hawaii 2025 Regular Session

CPN-PSM, CPN-EDT, CPN Public Hearing 02-05-2025

Commerce and Consumer Protection

Transcript Highlights:
  • We're also going to make the third-party certification means the third-party certification of the credit
  • 00:25:26.240> the<00:25:26.440> third<00:25:26.960> party<00:25:27.240> certification
  • <00:25:28.520> means make the third party certification means make the third party certification
  • means the<00:25:29.120> third<00:25:29.360> party<00:25:29.640> certification<00
  • condominium loan program to provide qualified condominium associations with low-cost financing or refinancing
Keywords: 912, senate, all
Summary: The committee opened by outlining testimony procedures and then heard SB 376 on tax credits, which would create a home fire safety improvement tax credit. Testimony from the Tax Foundation of Hawaiʻi urged that the concept would be better handled as a subsidy program and raised drafting concerns about unclear definitions and eligibility. Later, the committees agreed to pass SB 376 with amendments, including making the credit nonrefundable, clarifying third-party certification, deleting recapture-related language, and making technical changes. Members then heard SB 417, which would make unlicensed contractor work during or within five years after an emergency or disaster a class B felony. The Contractors License Board was listed for comments, and the Subcontractors Association supported the measure. The committees ultimately recommended passage with technical, non-substantive amendments and an adjusted effective date, and the measure was adopted. A substantial portion of the meeting focused on SB 782, which would require free and accessible voice communication services for incarcerated people and prohibit state agencies from profiting from those services, while also directing the PUC to set standards and providing funding for the SAVIN victim notification program. Supporters, including the Public Defender, ACLU of Hawaiʻi, Worth Rises, and others, argued the bill would reduce costs for families, improve reentry, and align adult corrections with the juvenile system. Opponents, including the Department of Corrections and Rehabilitation, the Hawaiʻi Paroling Authority, and SAVIN-related witnesses, warned that changing the funding structure could weaken victim notification and safety services. The committees deferred SB 782. The committee also heard SB 999 on fireworks, which would repeal permissible consumer fireworks uses, impose civil penalties and forfeiture remedies, and create a forfeiture special fund for safety education. The Department of Law Enforcement and Honolulu Police Department supported the bill, while fireworks industry representatives and others opposed it, arguing prohibition would be ineffective and urging stronger enforcement and education instead. The committees deferred SB 999 for further consideration, and SB 1136 on insurance was also deferred after insurers and the Department of Commerce and Consumer Affairs opposed it. In the later joint session with the Committee on Economic Development and Tourism, SB 744 on condominium loans was heard with support from the Hawaii Green Infrastructure Authority and banking groups, while one testifier raised concerns that the program could function like C-PACE financing and add risky debt to condominium associations; testimony and discussion continued on that measure.
HI

Hawaii 2025 Regular Session

WAM-HOU Informational Briefing 02-06-2025

Hawaii Senate Floor Meeting

Transcript Highlights:
  • We put a maximum loan term of 40 years so the money has to be refinanced or paid off within 40 years.
  • We haven't done Hula in a while because the agency had done the mortgage credit certificate program,
  • the agency had done the mortgage because the agency had done the mortgage credit<00:58:33.680> certificate
  • program<00:58:35.359> but<00:58:35.640> that<00:58:35.799> was credit certificate
  • program but that was credit certificate program but that was more<00:58:36.839> of<00:58:36.960
Keywords: 912, senate, all
NH

New Hampshire 2026 Regular Session

House Session (02/05/2026)

New Hampshire House Floor Meeting

Transcript Highlights:
  • Jurists of the Office of Professional Licensure and Certification to ensure that outdated licensing rules
  • preservation of affordable housing and which apply to the housing finance authority may receive a certificate
  • 14.400> because<04:34:14.639> everybody<04:34:14.959> was<04:34:15.119> refinancing
  • money because everybody was refinancing money because everybody was refinancing at<04:34:15.920>
Keywords: 1189, house, all
KY
Transcript Highlights:
  • And those numbers are going to escalate as some of these bonds have to be refinanced in the future.
  • And those numbers are going to escalate as some of these bonds have to be refinanced in the future.
Summary: The joint meeting of the House Elections, Constitutional Amendments and Intergovernmental Affairs Committee and the House State Government Committee was called to consider House Concurrent Resolution 45, sponsored by Representative Jason Petri. The resolution would support calling for a federal balanced budget amendment through the Article V process. Petri argued that Kentucky’s own constitutional balanced-budget requirement shows the value of fiscal restraint, and he said decades of federal deficit spending and rising debt make a constitutional amendment necessary. Governor Ron DeSantis and Lauren Ends of the National Campaign for a Balanced Budget Amendment also testified in support, emphasizing the growth of federal debt, the risk of a future debt crisis, and the view that Congress is unlikely to solve the problem on its own. Members asked about the mechanics and risks of an Article V convention, including whether the convention’s “sole purpose” language would be enforceable and whether a convention could become a “runaway” process. DeSantis and Ends said states can impose guardrails on delegates, including criminal penalties and delegate-limitation laws, and noted that any proposed amendment would still require ratification by 38 states. They also said that if Congress chose to draft the amendment itself in response to state pressure, that would be acceptable. One witness said 18 states have passed faithful-delegate or delegate-limitation laws. Representative Callaway asked what would happen if the debt issue is not addressed. Witnesses responded that continued borrowing could lead to economic dislocation, higher interest costs, and a debt crisis that would crowd out other federal spending. They said the current debt burden is already more than $100,000 per U.S. citizen and roughly $300,000 per taxpayer, and that a balanced budget amendment would be a first step toward stopping the growth of debt before any long-term paydown could occur. The transcript provided does not show a final vote or other committee action on the resolution.
MN

Minnesota 2025 1st Special Session

House Capital Investment Committee 4/1/25

Capital Investment

Transcript Highlights:
  • We were recently buoyed by the understanding that through a refinancing, that management company has
  • are<00:13:28.160> in We were recently buoyed by the understanding that through a refinancing
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/3/26

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • the fund’s terms are generally seven to 10 years so the money can come back, help people look for refinancing
  • That particular law states that employers may not require employees to provide medical certifications
  • require employees to provide<00:45:46.960> um<00:45:47.440> medical<00:45:47.839> certifications
  • provide um medical certifications provide um medical certifications uh<00:45:49.839> when
Summary: The committee first adopted the minutes from February 26 and then heard House File 2581, authored by Representative Frazier, which sought $1 million for Fortis Capital, a nonprofit economic development lender. Frazier and Fortis CEO Brian Smith described Fortis as a gap-financing lender that helps underserved entrepreneurs who cannot meet traditional bank underwriting standards. They said the organization has made 37 loans totaling more than $4 million since 2021, leveraged another $29.5 million, and created 314 jobs. Smith said Fortis typically charges around 6.5% interest, has had two defaults, and uses a revolving loan fund model that recycles repayments; members discussed how the proposal fits with other state economic development programs and whether Fortis should instead be part of a competitive grant process. The chair laid HF 2581 over for possible inclusion in a budget bill. The committee then heard House File 3707, brought by Representative Berg, which would extend confidentiality protections to unemployment insurance and paid leave judges and related staff by adding them to the definition of judges for purposes of protecting personal information. Berg and testifiers from the Department of Economic Development and MAPE said the bill responds to harassment and safety concerns, including threats, doxxing, and an attack near an office, and is intended to protect people making sensitive determinations. MAPE supported the bill as an update to existing protections for similar workers. Members raised concerns that the bill’s language was too broad, especially the reference to the paid leave division, and questioned whether it should cover only judges or also call-center and other staff. Department and committee members agreed the language likely needed narrowing and discussed possible amendments and whether to move the bill to Judiciary and then revisit it. No final vote was taken on HF 3707 during the discussion, and the bill remained under consideration for further language work.
FL

Florida 2026 Regular Session

FL House Floor Session - 2026-03-13 (10:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • surcharges be phased out within three years. ...or be phased out upon the retirement, expiration, or refinancing
Summary: The Senate convened with opening prayer, the Pledge of Allegiance, and several member introductions of guests and staff. The chamber then took up returning messages from the House and acted on several bills, including transportation facility designations (SB 628), affordable housing/Live Local Act changes (HB 1389), utility services (HB 1451), education (HB 1279 substituted for SB 7038), data centers (SB 484), and land use/development regulations (SB 208/HB 399). Several other measures were temporarily postponed, including education, emergency services, and environmental rule ratification bills. On SB 628, the Senate concurred in the House amendment and passed the bill 31-4. On the affordable housing bill, senators discussed the fourth iteration of the Live Local Act, including a new provision allowing certain affordable housing on religious institution property, removal of accessory dwelling unit language, and changes to tax exemption and expiration provisions; the Senate concurred in the House amendment and passed the bill 35-0. On the utility services bill, the House amendment shortened the surcharge phase-out timeline and advanced reporting dates; the Senate concurred and passed the bill 30-6. The education package was substituted with the House companion, amended to include agreed-upon provisions on student health and safety, early learning, math, virtual instruction, career and technical education, school choice, accountability, tuition protections, and financial aid, and passed 36-1. The data centers bill drew extensive debate over transparency and ratepayer protections. Senators questioned the removal of the Senate’s nondisclosure agreement prohibition, the 12-month confidentiality period, and whether costs could be shifted to residential and commercial customers. Supporters said the amendment strengthened ratepayer protections and maintained local land-use authority, while critics objected to the loss of transparency and the possibility of local NDAs. After debate, the Senate concurred in the House amendment and passed the bill 31-6. The land use and development bill generated the most contentious discussion. Amendments addressed a Fontainebleau/Miami Beach resort water park issue, a sunset provision, and a major rural boundary/property rights proposal affecting counties such as Orange and Seminole. Senators debated whether the rural boundary language protected property rights or undermined local planning and environmental safeguards, with concerns raised about takings, county liability, and the use of an Attorney General opinion. The transcript cuts off during extended debate on that amendment, so no final vote on the land use bill is shown in the excerpt.
AZ

Arizona 2026 Regular Session

01/21/2026 - House Appropriations

Appropriations

Transcript Highlights:
  • personal mortgages, I don't know if any of you have ever looked at a 30-year mortgage and possibly refinanced
Bills: HB2053, HB2116, HB2148
Summary: The committee first considered House Bill 2116, which would appropriate $1 million in fiscal year 2027 from the State General Fund to the Colorado River Litigation Fund. The sponsor said it was a repeat of last year’s request and was intended as a backup if the seven Colorado River basin states cannot reach a new agreement. Arizona Department of Water Resources staff testified in support, explaining the state’s role in ongoing Colorado River negotiations and distinguishing the litigation fund from the executive’s separate Colorado River Protection Fund. The bill received a due pass recommendation on a 17-1 vote. The committee then took up House Bill 2053, which appropriates $100,000 to ADWR for updated stormwater recharge mapping and expands the mapping effort beyond state trust lands to private lands. The committee adopted Chairman Livingston’s amendment, which extended the coordination timeline to one year, broadened the agencies involved, and revised language on site eligibility and the definition of stormwater. The sponsor said the bill would help identify more places to capture stormwater for recharge, while ADWR testified neutral, supporting the mapping work but raising a concern about language tied to appropriable surface water because that is a legal determination for the courts. The amended bill passed 11-7. House Bill 2148 was then heard, proposing to give the legislature authority to appropriate non-custodial federal monies, with requirements for specifying purposes and allowing agencies to spend such funds if the legislature does not act. An amendment excluded university and Board of Regents research grants from the bill’s scope, which the chair said was intended to avoid implementation problems. The sponsor framed the bill as a transparency measure, and members discussed the large amount of federal pass-through funding Arizona receives. The amended bill passed 11-7. After the bills, the committee received a lengthy JLBC presentation comparing the executive budget with the JLBC baseline. Discussion focused on revenue forecasts, the impact of federal tax conformity, state employee health insurance costs, SNAP administrative and error-rate costs under H.R. 1, developmental disabilities and AHCCCS growth, and K-12/ESA funding trends. Members repeatedly criticized the executive budget for funding some ongoing costs on a one-year basis and expressed concern about rising caseloads and supplemental needs. No formal action was taken on the presentation.
OK

Oklahoma 2026 Regular Session

Health and Human Services REVISED Apr 20th, 2026 at 02:00 pm

Health and Human Services

Transcript Highlights:
  • The birth certificate should reflect facts at birth.
  • Sir, members, House Bill 3931 pertains to death certificates.
  • The issue that's being addressed is corrections to death certificates.
  • death certificate.
  • one year after the death certificate was issued.
TX
Transcript Highlights:
  • We also now offer free to all Texas Tech students an industry-recognized career certificate.
  • We are partnered with Google. to offer students certificates in areas like data analytics, cybersecurity
  • So that's been a real area of investment and trends for us, such as minor certificates and badges in
  • We've refinanced debt and saved over $100 million.
  • You can get certificates and training in welding or a medical degree.
Bills: SB1, SB 1
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Tuesday, September 16, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • She championed senior citizens and the refinancing of Social Security in April of 1983, serving on the
  • administrations under President Biden's leadership had a proposed rule that would phase out subminimum wage certificates
  • About 38,500 workers earned a subminimum wage in 2024 Because of these certificates.
  • administration and House and Senate Democrats, and instead Continued to issuing subminimum wage certificates
AZ

Arizona 2026 Regular Session

02/11/2026 - Senate Public Safety

Public Safety

Transcript Highlights:
  • still carrying about $630 million of those bonds, so we basically paid down the pension debt by refinancing
Summary: The committee first approved its February 4 minutes and announced several bills would be held, including SB 1317, SB 1416, SB 1419, SB 1490, and SB 1493. It then heard SB 1579, which would appropriate about $4.7 million from the state general fund to expand a law enforcement data-sharing pilot through the Department of Administration, with funds for DPS, county sheriffs, university police, and city/town police departments. Testimony from the sponsor, Flagstaff’s mayor, Eloy’s police chief, and Maricopa County Sheriff’s Office staff emphasized faster records access, better coordination, and officer safety; an amendment added $125,900 for the Scottsdale Police Department after it had been omitted. The committee adopted the amendment and gave SB 1579 a do pass recommendation by a 6-0 vote with one not voting. The committee next considered SB 1581, which appropriates about $1.4 million from the Peace Officer Training Equipment Fund for pepperball equipment and about $1.316 million for public safety training simulators, with an amendment increasing the Nogales Police Department’s pepperball allocation and expanding simulator funding so Yavapai County could buy two simulators with a three-year warranty. Supporters from Navajo County, Phoenix, Glendale, Flagstaff, and Cochise County described pepperball as a de-escalation tool and simulators as important for crisis-response and use-of-force training. The committee adopted the amendment and passed SB 1581 as amended on a 7-0 vote. SB 1673 was heard next and would appropriate $8.2 million from the general fund to the Law Enforcement Crime Victim Notification Fund, exempting the appropriation from lapsing. The sponsor and law enforcement witnesses said the automated notification system has improved victim communication, reduced workload, and sent millions of updates; committee members asked about funding sources and why a bill is needed for a constitutionally mandated program. The committee approved SB 1673 without amendment on a 7-0 vote. The committee also heard SB 1544, which would make adult probation records public on request, while requiring redaction or withholding of sensitive information such as victim data, minors’ information, medical or counseling records, active investigations, and confidential informants, and creating a process for written denials and court appeals. The sponsor said the bill is intended to increase transparency and data access, while witnesses raised concerns about risk-assessment language and confidential information; the sponsor said amendments would be brought later to clarify those provisions. The committee passed SB 1544 on a 4-3 vote. Finally, SB 1376, creating a civic leadership development special plate and fund for a youth mentoring nonprofit, passed unanimously, and SB 1550, a three-year Queen Creek pilot program to prevent runaway youth exploitation and improve investigations, also passed after testimony from Queen Creek officials and police; one senator voted no, citing concerns about how runaway youth are treated in other legislation. The committee then began hearing SB 1504, a pension bill modifying retirement dates and COLA timing for Tier 2 and Tier 3 public safety personnel, with supporters arguing it would improve recruitment and retention and opponents warning it would create significant unfunded liabilities, but the transcript cuts off before final action on that bill.
NM
Transcript Highlights:
  • We refinanced like three times. This is all Group 1.
Keywords: 996, all