Transcript Highlights:

• Uh now, the finance provisions we can.
• This is an amendment that we should have added on in finance.
• I have the approval of the finance chair on this.
• I have the approval of the finance chair on this.
• . finance. finance.

Keywords: 1187, senate, all

Transcript Highlights:

• Good morning and welcome to the April 2nd, 2025 meeting of the House Commerce Finance and Policy Committee
• House File 1545, as amended, be re-referred to the committee on labor and economic development finance
• We will be coming up with a finance bill next week, where you're separating policy from finance when
• </c><00:07:52.800><c> and</c> and economic development finance and and economic development finance and
• bill next week coming up with a finance bill next week um<00:08:41.839><c> where</c><00:08:42.000><c

Bills: HF1545 , HF2426 , HF1615 , HF2403

Committee: House Commerce Finance and Policy

Keywords: medical cannabis, cultivation, cannabinoid products, plant canopy, Minnesota statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance

Transcript Highlights:

• This bill doesn't force a single homeowner to build anything they do not want to.
• In practical terms, this bill creates more flexibility for Idaho homeowners.
• It allows property owners to use an ADU to house relatives, ...flexibility for Idaho homeowners.
• I'm trying to figure out how this homeowners association is going to work.
• ...rules and then it's going to transfer to the homeowners at that stage?

Committee: House Business

Summary: The committee first handled routine business, approving minutes from several February and March meetings, and thanked the page for her service. It then took up Senate Bill 1354, which would create a statewide framework for accessory dwelling units (ADUs), requiring cities over 10,000 population to allow one internal or attached ADU per lot while preserving existing HOA restrictions and historic district exemptions. Supporters argued the bill would expand housing options, protect property rights, and help families with aging parents, adult children, or rental income; opponents from the HOA and insurance community warned it could increase density, rentals, parking and utility strain, and insurance costs, especially if short-term rentals increase. After sponsor clarifications on county exclusion, HOA rules, and infrastructure limits, the committee passed SB 1354 on a 10-4 roll call vote and sent it to the floor with a do-pass recommendation. The committee next heard Senate Bill 1297, the Conversational AI Safety Act, which would set transparency and safety standards for conversational AI services, especially for minors. The bill requires disclosures that users are interacting with AI, guardrails against sexually explicit content and romantic/sentient personas for minors, limits gamification techniques that encourage addictive use, and parental controls. Google testified in support, saying it already uses similar safety-by-design measures and that the bill would create consistent industry standards; members asked about how operators would identify minors and whether the bill would apply to out-of-state providers. The committee approved SB 1297 as amended and sent it to the floor with a do-pass recommendation. Finally, the committee heard Senate Bill 1352, which would require cities over 10,000 population to allow “starter home subdivisions” with smaller lots and modest setbacks, while preventing higher fees for those homes and allowing denials for infrastructure, safety, or environmental reasons. The sponsor framed it as a response to rising home prices and delayed first-time homeownership, while supporters from housing and building groups said smaller lots could lower costs and expand supply. City and resident testimony opposed the bill as a state override of local planning and zoning, arguing it would impose high-density development and weaken local control; city representatives also said the bill’s lot-size language was being misunderstood and that they had not had enough input in drafting. Despite those concerns, the committee passed SB 1352 as amended with a do-pass recommendation after discussion of its effect on local land-use authority and deed restrictions.

Transcript Highlights:

• agreement with the association that sets forth the terms and conditions for the insurer to offer homeowners
• A Fair Plan policy alone does not provide full homeowners coverage, and consumers may not be advised
• And we also don't believe that imposing mandates to try to force homeowners out of the Fair Plan are
• Often they're writing the auto and homeowner's, or auto and umbrella policy, for the homeowner.
• Companies are required by regulation to give homeowners an estimating replacement-cost value estimate

Summary: The Assembly Insurance Committee held its first outcomes review oversight hearing on the residential fair plan clearinghouse program created by AB 3012. Chair and members focused on whether the program is actually helping depopulate the California Fair Plan and move policyholders back to the voluntary market. The Fair Plan and Department of Insurance testified that the program exists as a platform for admitted and, in some cases, non-admitted insurers to review Fair Plan policies and make offers through the broker of record, but they acknowledged limited participation and limited results. CDI said it has received no formal complaints specific to the clearinghouse, but identified obstacles including only 11 participating residential insurers, the broker-of-record requirement, compensation and appointment issues, and the lack of direct consumer contact. CDI said about 730 residential risks have moved to voluntary market coverage through the program from June 2021 through April 30, 2025, and opt-outs are under 1%. Committee members pressed witnesses on the program’s opacity, the lack of data on offers made versus policies actually moved, and whether the clearinghouse is functioning as intended. CDI and the Fair Plan said they do not have data on how many offers have been made, only on cancellations that are self-reported and marked as clearinghouse-related. Members also raised regional growth in Fair Plan enrollment, especially on the Central Coast, and concerns about underinsurance when policyholders move back to the regular market. CDI recommended more mandatory reporting, broader broker education, possible direct offers to policyholders after a period of time, and changes to commission and appointment rules to reduce barriers to insurer participation. The second panel of industry witnesses generally agreed the clearinghouse is not a stand-alone solution and said its effectiveness depends on a healthier admitted market and actuarially sound Fair Plan rates. Independent agents and brokers, admitted-market insurers, and surplus lines representatives said the current system is constrained by low rate adequacy, limited insurer appetite for high-risk properties, operational friction, and misaligned incentives. Several witnesses suggested improvements such as better data sharing, clearer depopulation procedures, stronger broker education, and more flexible appointment or compensation rules. Some supported giving the program more time under the Sustainable Insurance Strategy, while others said the Legislature should consider whether to strengthen, modify, or potentially sunset the program if it continues to produce limited results. A public witness later reported that a new carrier had recently joined the clearinghouse and was working with brokers to bring in additional capacity.

Transcript Highlights:

• So a $250,000 home, if that's an average home, is going to cost the homeowner about $50 more a year with
• So this is a fiscally sound bill with respect to individual homeowners, and current statute doesn't even
• So a $250,000 home, if that's an average home, is going to cost the homeowner about $50 more a year with
• So this is a fiscally sound bill with respect to individual homeowners, and current statute doesn't even
• and and it you individual homeowners and and it you know<00:27:35.679><c> current</c><00:27:35.919><

Committee: House Local Government

Keywords: Meeting Start 00:00:04 Roll Call 00:00:23 HB 246 Discussion 00:02:47 HB 246 Vote 00:15:15 HB 613 Discussion 00:17:04 HB 613 Vote 00:29:09 Adjournment 00:30:37, 958, all

Transcript Highlights:

• Hi, Henry Ng, Department of Finance.
• Do we have comments from the Department of Finance? Chris Hill, Finance: Again, no comments. LAO?
• Chris Hill, Finance.
• Do we have any comments from the Department of Finance? And JT Creeden, Department of Finance?
• Creeden, Department of Finance?

Keywords: 987, senate, all

Transcript Highlights:

• to homeowners by the managing agents.
• Some flow directly from homeowners to the service provider.
• There... ...solely to serve the association and implement the board decisions for all homeowners.
• I've been approached by a homeowner in my district who has an R3 property.
• You know, as many of you know, I've had a lot of interest in homeowners associations.

Committee: House Housing and Community Development

Keywords: 988, house, all

Transcript Highlights:

• Appointments by the President, I'm appointing Senator Kuby to the Committee on Finance to temporarily
• I am also appointing Senator Alston to the Committee on Finance to temporarily replace Senator Bravo
• HB 2128, Homeowners Association Condominiums Action Meetings.
• Finance. HB 2781, decommissioning solar energy standards fund. InRue.

Keywords: 1182, all

Transcript Highlights:

• This is a bill about property tax relief for a homeowner whose home is destroyed by fire.
• Students for performance tier funding under the public junior college state finance program.
• Senate Bill 2221 by Parker, relating to the filing of a fraudulent financing statement in relation to
• It does not override restrictions for homeowners associations or other deed restrictions that may be
• And for most people, that's going to be homeowners and automobile insurance.

Bills: SB15 , SB35 , SB290 , SB1365 , SB2568 , SB18 , SB427 , SB1860 , SB1864 , SB2675 , SB596 , SB2858 , SB3058 , SB816 , SB1163 , SB1484 , SB1898 , SB1777 , SB1802 , SB2692 , SB315 , SB1585 , SB1626 , SB2058 , SB2050 , SB2105 , SB2245 , SB2764 , SB2611 , SB2497 , SB2452 , SB2243 , SB1705 , SB1244 , SB1361 , SB438 , SB578 , SB584 , SB2690 , SB2521 , SB2487 , SB2342 , SB2063 , SB125 , SB2041 , SB1962 , SB1413 , SB6 , SB2878 , SB13 , SB30 , SJR87 , SB7 , SB127 , SB293 , SB441 , SB3059 , SB57 , SB512 , SB1718 , SB140 , SB2055 , SB2075 , SB2018 , SB1534 , SB1567 , SB785 , SB1233 , SB1580 , SB1663 , SB413 , SB447 , SB519 , SB467 , SB1579 , SB1191 , SB1021 , SB1838 , SB2807 , SB2835 , SB546 , SB2121 , SB2167 , SB2024 , SB1032 , SB1049 , SB1266 , SB1400 , SB1302 , SB401 , SB1596 , SB1281 , SB1242 , SB1343 , SB1346 , SB2753 , SB2221 , SB1719 , SB2177 , SB552 , SB646 , SJR1 , SB15 , SB800 , SB790 , SB748 , SB571 , SB1957 , SB1923 , SB1896 , SB1760 , SB1335 , SB2368 , SB2477 , SB2587 , SB2972 , SB2986 , SB2965 , SB1563 , SB1467 , SB1164 , SB1137 , SB614 , SB705 , SB961 , SB918 , SB955 , SB869 , SB850 , SB863 , SB1610 , SB1055 , SB2206 , SB457 , SB2337 , SB1362 , SB926 , SB1494 , SB251 , SB456 , SB500 , SB1307 , SB2615 , SB2995 , SB2321 , SB973 , SB974 , SB865 , SB506 , SB781 , SB1522 , SB1558 , SB510 , SB667 , SB763 , SB2073 , SB1858 , SB1660 , SB505 , SB2900 , SB1433 , SB1540 , SB1964 , SB1300 , SB1644 , SB2217 , SB2373 , SB2431 , SB1758 , SB2480 , SB3039 , SB3047 , SB3073 , SB2920 , SB2781 , SB826 , SB766 , SB2460 , SB527 , SB1946 , SB2885 , SB1243 , SB2610 , SB2595 , SB857 , SB2501 , SB66 , SB268 , SB331 , SB618 , SB414 , SB1394 , SB2425 , SB898 , SB993 , SB442 , SB735 , SB784 , SB2538 , SB1919 , SB1013 , SB2215 , SB2322 , SB626 , SB570 , SB747 , SB2183 , SB673 , SB1015 , SB1447 , SB1370 , SB1784 , SB1897 , SB2873 , SB2891 , SB2933 , SB2540 , SB2681 , SB2695 , SB1965 , SB2203 , SB872 , SB875 , SB1030 , SB1277 , SB1730 , SB1681 , SB1152 , SB2969 , SB2747 , SB2705 , SB2541 , SB1708 , SB2080 , SB2721 , SB1986 , SB2392 , SB2539 , SB2857 , SB2799 , SB2785 , SB2782 , SB1531 , SB1927 , SB1263 , SB1098 , SB35 , SB290 , SB1365 , SB2568 , SB18 , SB427 , SB1860 , SB1864 , SB2675 , SB596 , SB2858 , SB3058 , SB816 , SB1163 , SB1484 , SB1898 , SB1777 , SB1802 , SB2692 , SB315 , SB1585 , SB1626 , SB2058 , SB2050 , SB2105 , SB2245 , SB2764 , SB2611 , SB2497 , SB2452 , SB2243 , SB1705 , SB1244 , SB1361 , SB438 , SB578 , SB584 , SB2690 , SB2521 , SB2487 , SB2342 , SB2063 , SB125 , SB2041 , SB1962 , SB1413 , SCR9 , SB21 , SB1198 , SB1405 , SB2601 , SB2778 , HB5560 , HB762 , HB1584 , HB 107 , HB 114 , HB138 , HB4386 , HB2495 , HB581 , HB3348 , HB5323 , HB4341 , HB6 , HB171 , HB143 , HB449 , HB3486 , HB4263 , HB5246 , HB2 , HB2011 , SB17

Keywords: SB 15, Texas Local Government Code, zoning preemption, housing affordability, small lots, lot size, lot density, single-family zoning, residential subdivision, municipal land use, local control, state preemption, parking requirements, setbacks, infill development, missing middle housing, lot width, lot depth, homebuilders, housing supply

Transcript Highlights:

• Importantly, this bill applies to private construction work in Missouri and does not burden the typical homeowner
• Well, typically on bank-financed builds, there's a 30-day draw period.
• time to fight lawsuits, either by the trial attorneys or by the GCs that don't pay us or by the homeowners

Committee: House Economic Development

Keywords: 959, house, all

Transcript Highlights:

• lifetimes ago, when the Governor unveiled his initial budget proposal in early January, the Department of Finance
• that position again after I worked hard to pull them out of that so that way they could become homeowners
• Again, after I worked hard to pull them out of that so that way they could become homeowners, because

Summary: The Assembly convened after a quorum call and proceeded to floor business, with the main item being SB 101, the state budget bill. Before debate on the bill, Assembly Member Sanchez offered amendments to redirect funding toward Proposition 36 implementation, wildfire prevention, Medi-Cal provider reimbursement, developmental services, and other priorities; the majority moved to lay those amendments on the table, and the motion passed 43-18. The chamber then took up SB 101 as the budget bill for immediate effect. Debate on the budget was extensive and sharply divided. Supporters, including Assembly Member Gabriel and several committee chairs, described the budget as a difficult but responsible compromise that protects Medi-Cal, IHSS, child care, housing, wildfire prevention, and other safety-net programs while responding to a projected deficit and federal uncertainty. Opponents criticized the budget as fiscally unsound and argued it relied on accounting gimmicks, did not adequately fund Proposition 36 or wildfire prevention, and continued spending on high-speed rail and Medi-Cal coverage for undocumented immigrants. Several members also raised concerns about gas taxes, provider reimbursement, probation funding, and the impact on vulnerable Californians. After debate, the Assembly voted on SB 101 and passed it 57-19. The measure was sent immediately to the Senate. The body then announced upcoming session schedules, with no floor or check-in sessions on June 14 and 15, and a floor session set for June 16 at 1 p.m., before adjourning.

Transcript Highlights:

• Madam Chair, where this will help is in the taxes you end up having to... ...finance taxes when you buy
• we will cause prices to become more affordable, allowing people who are renters to then become homeowners
• Any homeowners, can anybody help me with that?

Committee: House House Taxation & Revenue

Transcript Highlights:

• Chairman, Senator Groh, this would, it wouldn't actually impact homeowners associations at all, either
• ... ...it wouldn't actually impact homeowners associations at all, either retroactively or going forward
• If you have a home in a homeowners association, which 82% of new construction is actually in homeowners
• As housing becomes scarcer and more expensive, houses, 7% of homeowners were cost burdened.
• and a mix of ages, I think... ...dispersed with maybe first-time homeowners and a mix of ages.

Committee: Senate Local Government and Taxation

Keywords: 989, all

Transcript Highlights:

• AB 1559 provides new consumer protections to homeowners when insurers use aerial imaging to make decisions
• California homeowners have reported that they were blindsided by non-renewals.
• California homeowners have reported that they were blindsided by non-renewals based on these pictures
• California homeowners are often blindsided by non-renewals and cancellation notices based on aerial images
• California has more than 8 million homeowners policies.

Committee: Senate Insurance

Keywords: 987, senate, all

Transcript Highlights:

• Homeowners, taxpayers work hard for money.
• Homeowners, taxpayers work hard for money.
• or homeowners to our constituents<00:01:55.520><c> that</c><00:01:55.680><c> we</c><00:01:55.880><c>
• taxpayers work hard for money homeowners taxpayers work hard for that<00:02:41.920><c> money</c><00:
• </c> what could have been done by homeowners what could have been done by homeowners and<00:02:59.440

Keywords: 1183, house

Summary: The committee took up House File 4, first adopting the H004A1 amendment without objection. The author described the bill as a constitutional amendment intended to create a tax relief account funded from projected budget surpluses, defined as revenues exceeding 105% of projected expenditures based on the November forecast. Supporters framed the proposal as a way to return excess taxpayer money to families, homeowners, and seniors rather than allowing the state to retain or redirect it. Testimony in support came from Ranna Lee of Americans for Prosperity, who praised the bill’s clarity and argued that taxpayers are overburdened and should receive surplus funds back; she also suggested broader tax and budget reforms, including rate reductions and tighter spending limits. Nan Madden of the Minnesota Budget Project testified in opposition, saying the legislature already has authority to use surpluses for rebates or tax cuts and warning that constitutionalizing tax policy would reduce flexibility, weaken accountability, and make it harder to respond to changing conditions, emergencies, or recessions. Members then briefly commented, with Republicans expressing support for returning money to taxpayers and citing cost-of-living pressures and fixed incomes. The committee did not hear a formal department position. At the end of the hearing, Representative Johnson renewed the motion that House File 4, as amended, be recommended to pass and sent to the Ways and Means Committee; the motion prevailed on a voice vote.

Transcript Highlights:

• Senate Bill 228, germane, thence referred to the Finance Committee.
• Senate Bill 228, germane, thence referred to the Finance Committee.
• In this case, the individual had a weapon, was a gun, and the homeowner was killed. Senator Scott.
• There's a lunch town hall in the Senate Finance Chambers, 322. Thank you to the chairman.
• Senate Finance will go in at 9 a.m. tomorrow.

Summary: The Senate convened with a quorum, heard an invocation from Rabbi Jack Stocker for New Mexico’s first Jewish Community Day at the legislature, and then proceeded with the Pledge of Allegiance, Spanish pledge, flag salute, and national anthem. Early floor business included unanimous-consent approvals for cameras on the floor and in the gallery, a relaxed dress code for guests, and an excuse for Senator Hickey. Majority Floor Leader Peter Wirth noted it was the last day for bill introductions and reviewed the day’s observances and receptions, including Multiple Sclerosis Advocacy Day, Jewish Community Day, Santo Domingo Pueblo Day, Lincoln County Day, and UNM Day. A large portion of the meeting was devoted to honoring the Artesia Bulldogs football team, recognized for winning another state championship and for their long record of success. Senators and coaches praised the team’s resilience, community support, and the role of local fundraising and school support in sustaining athletic excellence. The Senate also observed a moment of silence for New Mexico State Police Officer Darien Jarrett on the fifth anniversary of his death in the line of duty, with Senator Brantley speaking about Jarrett’s service and the impact of his loss on law enforcement and the region. The chamber then celebrated UNM Day with a formal certificate recognizing the University of New Mexico’s role as the state’s flagship university, its enrollment, degrees awarded, research, patents, health sciences, and hospital services. Multiple senators spoke in support, emphasizing UNM’s impact on education, health care, public service, first-generation students, and athletics, and several introduced guests from UNM programs and leadership. The Senate also read and adopted a certificate recognizing Dr. V. Sue Cleveland for 32 years leading Rio Rancho Public Schools, with members praising her role in building the district and supporting its growth and success. Later, the Senate recognized Valencia County Day and Hidalgo County Day, with senators highlighting each county’s history, economic development, agriculture, transportation, and community identity, and introducing local officials, business leaders, and youth honorary lieutenant governors. Additional floor remarks honored nurses and health care professionals tied to Lincoln County Day and related observances, with senators introducing guests from nursing, education, and hospital settings and emphasizing the importance of the nursing workforce and rural health care.

Transcript Highlights:

• increasing permit fees for certain projects and would disproportionately and negatively impact homeowners
• I'm fairly familiar with city finances in my position. I'm aware of the accounting.
• I'm fairly familiar with city finances in my position. I'm aware of the accounting.
• :30:08.880><c> the</c> because either the contractor or the because either the contractor or the homeowner
• who's doing the work has not homeowner who's doing the work has not done<00:30:11.880><c> their</c><

Committee: Senate Labor

Keywords: 1187, senate, all

Transcript Highlights:

• As homeowners' insurance costs rise, often doubling or more in...
• They're still providing us homeowners insurance or homeowners insurance for earthquakes, but for fires
• Our homeowners insurance for earthquakes, but for fires, they're out of here.
• The rising cost of homeowners' insurance in tribal communities is not inevitable.
• And now we have six out of the 12 largest insurance companies in our homeowners market.

Summary: The Select Committee on Native American Affairs met on Barona tribal land to examine rising homeowners insurance costs affecting tribal communities, with opening remarks from tribal leaders and Assembly members emphasizing tribal sovereignty, the history of forced settlement in high-risk areas, and the need for the state to recognize mitigation work already being done on tribal lands. The committee heard that wildfire, drought, and other climate-driven disasters have sharply increased insurance premiums and reduced coverage options, especially for tribes located in rural or mountainous areas that were not chosen by the tribes themselves. Cal Fire Deputy Director Frank Bigelow described the state’s wildfire response and tribal engagement efforts, including tribal liaisons on incident management teams, a Southern Region Tribal Affairs Deputy Chief, cultural burning agreements, and more than $30 million in tribal wildfire resilience grants over the last three years. Members questioned why tribal communities receive only a small share of grants, whether Cal Fire should do more outreach and budget proposals for tribes, and whether mitigation work is being recognized by insurers. Bigelow said Cal Fire is working with insurers and the Insurance Institute for Business and Home Safety on mitigation standards, but acknowledged that more tribal outreach and participation are needed. Tribal chairpersons and fire chiefs testified that their communities are already investing heavily in fire protection through dedicated fire departments, fuel reduction, defensible space, prescribed burns, firebreaks, and home-hardening efforts, yet premiums remain high or coverage is denied. Barona leaders said premiums can range from $6,000 to $18,000 and urged insurers to assess properties individually rather than by broad high-risk zones. Soboba, Hamu, and Pechanga representatives described similar efforts and said grant rules, environmental review, and insurer practices can make it difficult to translate mitigation into lower rates. Several members suggested short-term state assistance or a tribal insurance mitigation fund, and the committee discussed the possibility of requiring insurers to better account for tribal mitigation and sovereignty in risk assessments.

Transcript Highlights:

• AB 75 ensures that homeowners are aware that aerial images are being taken of their property and provides
• AB 75 would require an admitted insurer to notify homeowners at least 30 days in advance before taking
• Homeowners have enough to worry about.
• So the image should go automatically to the homeowner. Number two.
• This isn't just impacting homeowners. Insurance costs are increasing everywhere.

Summary: The Assembly Insurance Committee met as a subcommittee and heard several bills focused on insurance transparency, wildfire mitigation, market access, and workforce issues. AB 75 would require insurers to give homeowners 30 days’ notice before collecting aerial images of their property and allow homeowners to review those images; supporters said it would improve privacy and prevent inaccurate non-renewals, while consumer and industry groups both sought amendments. AB 234 would add the Assembly Speaker and Senate President pro Tem, or designees, as non-voting members on the California FAIR Plan governing committee; the Department of Insurance supported it as an oversight measure, while Consumer Federation of California said it was only a small first step toward broader transparency reforms. AB 428 would let water corporations join joint powers authorities for pooled insurance, with supporters citing rising insurance costs for small water systems and no remaining opposition after amendments. AB 943 would streamline producer pre-licensing education by removing the 20-hour per-line requirement while keeping ethics training; industry sponsors said it would reduce barriers to entry, while consumer advocates warned it could lower professional standards. AB 1209 would create a pathway for cannabis employers to secure workers’ compensation coverage and related services through a state-coordinated network; supporters said it would help bring the industry into compliance, while one member raised concerns about creating a special carveout for a federally restricted industry. AB 1 would require periodic review of the state’s Safer from Wildfire regulations every five years, and it drew broad support from the department, insurers, local governments, and industry groups as a way to keep wildfire mitigation incentives current. The committee also took up a consent calendar including AB 69, AB 487, and AB 570, all of which were sent to Appropriations. The committee approved AB 75 to Privacy and Consumer Protection, AB 234 to the Assembly Floor, AB 428 to Local Government, AB 943 to Appropriations, AB 1209 to Business and Professions, and AB 1 to Appropriations. Most measures passed on strong or unanimous votes after members added coauthor requests and expressed support for the bills’ consumer protection, transparency, or wildfire-related goals.

Transcript Highlights:

• This targeted approach respects both homeowners and local communities.
• It expands homeowners association restrictions under section 55-3-3-2. per lot.
• It expands homeowners association restrictions under section 55-3-3-2.
• It also standardizes regulations, reducing the complexity and cost for homeowners and developers who
• And so I think each homeowner is going to have to make that decision for themselves. All right.

Committee: Senate Local Government and Taxation

Keywords: 989, all