Video & Transcript Research : 'insurance code'
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TX
Transcript Highlights:
- Article 19A.104 in the Code of Criminal Procedure already protects grand juries, personal information
- in invoking insurance policies. that's great all of our insurance rates shoot up but it doesn't affect
- though my insurance doubled.
- And after that happened, like I said, my insurance doubled. And it's hard.
- You're just harm for the rest of, I don't know when my insurance is going to go down.
TX
Transcript Highlights:
- professionals and others, and I am here in support of HB 865, which as you heard, clarifies current code
- While victims have been lawfully hushed by NDAs, CannaCook and its insurers. demanded behind closed doors
- admitting in an open letter from CEO and Board Chair Joe White that they do use NDAs, but it's their insurance
NE
Nebraska 2025-2026 Regular Session
Legislative Morning Session Apr 8th, 2026
Nebraska Unicameral Floor Meeting
Transcript Highlights:
- talk about—do we get a report, or are we able to see if this addition, because it will increase our insurance
- about do we get a report or do we are we able to see if this addition because it will increase our insurance
- New LR 505 from Senator Sanders and LR 506 from the Banking, Commerce and Insurance Committee.
- New LR 505 from Senator Sanders and LR 506 from the Banking, Commerce and Insurance Committee.
Bills:
LB878, LB958, LB958A, LB762, LB1187, LB966, LB929, LB962, LB1209, LB937A, LB962A, LB1050, LB1050A, LB965, LB1022, LB753, LB788, LB913, LB1055, LB1195, LB429, LB721, LB722, LB727, LB745, LB749, LB778, LR293, LR296, LR422, LR495, LR496, LR497, LR498, LR499, LR500, LR501, LR502, LR503, LR504
Keywords:
paid parental leave, state employees, workplace benefits, family support, economic impact, Medicaid, Medical Assistance Act, home and community-based services waiver, HCBS waiver, waiver participant, assessment tool, clinical interviewing, service tier, retroactive coverage, doula, doula reimbursement, maternal health, prenatal care, pregnancy, birth outcomes
NE
Nebraska 2025-2026 Regular Session
Legislative Afternoon Session Apr 8th, 2026
Nebraska Unicameral Floor Meeting
Transcript Highlights:
- daily, build rich classroom libraries, and celebrate small victories to help these children crack the code
- daily, build rich classroom libraries, and celebrate small victories to help these children crack the code
- report from the reference committee concerning LR 506 as reference to the Banking, Commerce and Insurance
- reference report from the reference committee concerning LR 506 as reference to the Banking Commerce Insurance
- This body has passed them multiple times, last year with cell phones, a few years ago with dress codes
Bills:
LB878, LB958, LB958A, LB762, LB1187, LB966, LB929, LB962, LB1209, LB937A, LB962A, LB1050, LB1050A, LB965, LB1022, LB753, LB788, LB913, LB1055, LB1195, LB429, LB721, LB722, LB727, LB745, LB749, LB778, LR293, LR296, LR422, LR495, LR496, LR497, LR498, LR499, LR500, LR501, LR502, LR503, LR504
Keywords:
paid parental leave, state employees, workplace benefits, family support, economic impact, Medicaid, Medical Assistance Act, home and community-based services waiver, HCBS waiver, waiver participant, assessment tool, clinical interviewing, service tier, retroactive coverage, doula, doula reimbursement, maternal health, prenatal care, pregnancy, birth outcomes
US
US Federal 2025-2026 Regular Session
Business meeting to consider S.93, to amend the Harmful Algal Blooms and Hypoxia Research and Control Act of 1998 to address harmful algal blooms, S.98, to require the Federal Communications Commission to establish a vetting process for prospective a Feb 5th, 2025 at 09:00 am
Commerce, Science, and Transportation Committee
Transcript Highlights:
- substitute; S. 195, America Music Tourism Act; S. 216, Save Our Seas 2.0 Amendments Act; S. 245, Insure
- not allow a single penny to be taken or withdrawn from programs like Medicaid, Children's Health Insurance
Bills:
SB161, SB195, SB216, SB245, SB246, SB257, SB258, SB260, SB278, SB281, SB283, SB93, SB98, SB99, SB306, SB314, SB315
Keywords:
vehicle safety, crash test, crashworthiness, NHTSA, National Highway Traffic Safety Administration, New Car Assessment Program, NCAP, motor vehicle safety standards, 49 CFR parts 571 and 572, THOR dummy, THOR-50M, THOR-05F, WorldSID, female crash test dummy, male crash test dummy, occupant protection, frontal impact, side impact, vehicle ratings, automotive safety
AL
Bills:
HB227, HB454, SB323, HB266, SB52, SB53, SB296, HB37, HB429, HB93, HB249, HB328, HB111, HB132, HB26, SB261, HB227, HB454, SB323, HB266, SB52, SB53, SB296, HB37, HB429, HB93, HB249, HB328, HB111, HB132, HB26, SB261
Keywords:
firefighter benefits, occupational disease, line of duty, disability pension, death benefits, retirement benefits, hypertension, heart disease, respiratory disease, cancer presumption, HIV, hepatitis, municipal firefighters, state firefighters, fire districts, workers' compensation, public safety employees, post-retirement benefits, benefit eligibility cutoff, occupational illness
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Sep 4th, 2025
Texas House Floor Meeting
Bills:
HCR 20, HR 131, HR 133, HR 135, HR 136, HR 137, HR 144, HR 145, HR 146, HR 149, HR 150, HR 151, HR 152, HR 158, HR 161, HR 162, HR 163, HR 165, HR 166, HR 168, HR 169, HR 170, HR 175, HR 178, HR 127, HR 129, HR 130, HR 132, HR 134, HR 138, HR 139, HR 140, HR 141, HR 142, HR 143, HR 153, HR 154, HR 155, HR 156, HR 159, HR 160, HR 164, HR 167, HR 172, HR 173, HR 176, SB 1, HB 8, HB 15, HB 27, SB 5
Keywords:
memorial, remembrance, legacy, condolences, community, higher education, university merger, research, public health, economic impact, healthcare, insurance, affordability, medical coverage, state regulations, Cedar Creek Lake, community celebration, Texas pride, outdoor recreation, local identity
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Sep 3rd, 2025
Texas House Floor Meeting
Transcript Highlights:
- unique to Senate Bill 1 is on page 9, which is the addition of Chapter 762 to the Health and Safety Code
- For insurance purposes, for flood insurance purposes, you can signify through a licensed surveyor that
- In order to not be required to have flood insurance, and that's the problem.
- If you read in the Texas Code, broadband has a very specific set of requirements to meet that broadband
- While it is true that LOMAs and LOMRs are requested to show insurance companies that the structure may
Bills:
SB 1, HCR 20, HR 131, HR 133, HR 135, HR 136, HR 137, HR 144, HR 145, HR 146, HR 149, HR 150, HR 151, HR 152, HR 158, HR 161, HR 162, HR 163, HR 165, HR 166, HR 168, HR 169, HR 170, HR 175, HR 178, HR 127, HR 129, HR 130, HR 132, HR 134, HR 138, HR 139, HR 140, HR 141, HR 142, HR 143, HR 153, HR 154, HR 155, HR 156, HR 159, HR 160, HR 164, HR 167, HR 172, HR 173, HR 176, SB 1, HB 8, HB 15, HB 27, SB 5
Keywords:
campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, memorial, remembrance, legacy, condolences, community, higher education, university merger, research, public health, economic impact, healthcare, insurance, affordability, medical coverage, state regulations
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Sep 3rd, 2025
Texas House Floor Meeting
Bills:
SB 1, HCR 20, HR 131, HR 133, HR 135, HR 136, HR 137, HR 144, HR 145, HR 146, HR 149, HR 150, HR 151, HR 152, HR 158, HR 161, HR 162, HR 163, HR 165, HR 166, HR 168, HR 169, HR 170, HR 175, HR 178, HR 127, HR 129, HR 130, HR 132, HR 134, HR 138, HR 139, HR 140, HR 141, HR 142, HR 143, HR 153, HR 154, HR 155, HR 156, HR 159, HR 160, HR 164, HR 167, HR 172, HR 173, HR 176, SB 1, HB 8, HB 15, HB 27, SB 5
Keywords:
campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, memorial, remembrance, legacy, condolences, community, higher education, university merger, research, public health, economic impact, healthcare, insurance, affordability, medical coverage, state regulations
LA
Bills:
HB62, HB124, HB182, HB193, HB198, HB203, HB223, HB237, HB469, HB486, HB574, HB779, HB796, HB919, SCR2, SB4, SB36, SB38, SB109, SB152, SB168, SB195, SB216, SB221, SB236, SB404
Keywords:
Louisiana Women's Policy, gender equality, policy research, commission membership, women's representation, Domestic Violence, judicial experience, legislation, criminal law, family law, HB182, sexual assault, rape kit, forensic examination, forensic medical exam, sexual assault survivor, sexual assault nurse examiner, SANE, emergency department, hospital staffing
HI
Bills:
HB1800, HB2095, HB1158, HB1518, HB1752, SCR23, SCR24, SCR25, SCR26, SCR27, SCR28, SCR29, SCR30, SCR31, SCR32, SCR33, SCR34, SCR35, SCR36, SCR37, SCR38, SCR39, SCR40, SCR41, SCR42, SCR43, SCR44, SCR45, SCR46, SCR47, SCR48, SCR49, SCR50, SCR51, SCR52, SCR53, SCR54, SCR55, SCR56, SCR57, SCR58, SCR59, SCR60, SCR61, SCR62, SCR63, SCR64, SCR65, SCR66, SCR67, SCR68, SCR69, SCR70, SCR71, SCR72, SCR73, SCR74, SCR75, SCR76, SCR77, SCR78, SCR79, SCR80, SCR81, SCR82, SCR83, SCR84, SCR85, SCR86, SCR87, SCR88, SCR89, SCR90, SCR91, SCR92, SCR93, SCR94, SCR95, SCR96, SCR97, SCR98, SCR99, SCR100, SCR101, SCR102, SCR103, SCR104, SCR105, SCR106, SCR107, SCR108, SCR109, SCR110, SCR111, SCR112, SCR113, SCR114, SCR115, SCR116, SCR117, SCR118, SCR119, SCR120, SCR121, SCR122
Keywords:
supplemental appropriations, state budget, Hawaii budget, biennial budget, capital improvement projects, CIP, general fund, special fund, green fee, special land and development fund, clean energy revolving loan fund, agricultural development revolving fund, community grants, nonprofit grants, Office of Community Services, housing, affordable housing, homelessness, health care, mental health
LA
Keywords:
HB 287, Louisiana Tax Commission, ad valorem, property tax, property assessment, assessment fees, fee extension, sunset extension, public service property, utility property, insurance company property, financial institution property, tax administration, R.S. 47:1838, Act 296, reappraisal, ad valorem tax, valuation, Louisiana tax law, homestead exemption
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Feb 24, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- This bill amends various provisions of the insurance code to update and improve existing provisions.
- <01:03:43.039>
Insurance insurance a moment ago. Insurance insurance a moment ago. - or kind of equivalent codes.
- equivalent codes.
- . insurance. insurance.
Keywords:
natural hair braiding, registration, Barbering and Cosmetology Licensing Act, public health, sanitation, cumulative voting, associations, unit owners, board of directors, elections, Hawaii Revised Statutes, condominium, association meetings, electronic voting, proxy voting, mail voting, insurance, premium increase, policy cancellation, licensing
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 2026 Regular Session
CPC Public Hearing - Tue Feb 10, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- are largely the result of insurance are largely the result of insurance policies.<00:13:25.600><
- repairs are controlled by insurance repairs are controlled by insurance companies.<00:14:34.480>
- Jamoto on behalf of the DCCA Insurance Division.
- Jamoto on behalf of the DCCA Insurance Division.
- So it would some somewhat insurance.
Keywords:
licensing, professional license, individual taxpayer identification number, immigration, state residency, right to repair, wheelchairs, consumer protection, repair providers, device documentation, HB1753, Hawaii Social Media Data Deletion Act, social media, account deletion, data deletion, privacy, consumer privacy, personal information, sensitive personal information, data retention
Summary:
The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown.
The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information.
On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose.
The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.
AL
Transcript Highlights:
- But there's not a United States Code section... Not a United States Code section under five.
- under Alabama Code 43-8-110.
- The exempt property under Alabama Code 43-8-110.
- Alabama Code 43-8-11 and the family allowance under Alabama Code 43-8-112 and 43-8-113.
- The Law Institute felt that updates were necessary within the code section.
Bills:
SB210, SB292, HB360, HB233, HB66, HB356, HB164, HB238, HB209, SB223, HB307, SB210, SB292, HB360, HB233, HB66, HB356, HB164, HB238, HB209, SB223, HB307
Keywords:
hospital liens, medical billing, government healthcare, insurance claims, patient rights, education oversight, subpoena authority, investigation, State Superintendent, school misconduct, drug courts, accountability, veterans, mental health, substance abuse, rehabilitation, criminal justice, court intervention, elder abuse, financial exploitation
AL
Alabama 2025 Regular Session
Alabama Senate Finance and Taxation Education Committee Feb 12th, 2025
Finance and Taxation Education
Transcript Highlights:
- not realize, and I taught in this system for a while, that our teachers are not covered with this insurance
Keywords:
workers' compensation, public education, employee injury, insurance trust fund, on-the-job injury, administrative procedures, adult-size changing table, changing station, accessible restroom, public bathroom, public building, public entity, ADA, Americans with Disabilities Act, accessibility, restroom renovation, new construction, grant program, state grant, local government facilities
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Feb 24th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- If that person walks in who's in crisis and they offer them care in 2025 and they're not insured, will
Bills:
SB1636, SB1584, SB1730, SB1255, SB1627, SB137, SB2062, SB1470, SB1284, SB1632, SB1594, SB2045, SB1251, SB1884, SB1250, SB1630, SB1262, SB1374, SB1292, SB1432, SB1199, SB1790, SB1481, SB1614, SB1734, SB1437, SB1489, SB1718, SB1778, SB1327, SB1372, SB1403, SB1937, SB277, SB2131, SB1749, SB1348, SB1469, SB2018, SB1931, SB1530, SB2155, SB2030, SB1926, SB2170, SB2151, SB2166, SB1213, SB1381, SB1824, SB1876, SB1728, SB1582, SB1286, SB1386, SB1708, SB1618, SB2106, SB1471, SB2139, SB2154, SB1619, SCR15, HB2786, HB2787, SB1525, SB2011, SB2159
Keywords:
cold case, unsolved homicide, violent crime, case file review, law enforcement, police records, victim family, immediate family member, designated person, forensic testing, witness reinterview, investigative leads, cold case unit, unsolved murder, public safety, Title 21, Oklahoma statutes, sexual assault, evidence kits, DNA testing
HI
Hawaii 2026 Regular Session
House Chamber - Thu Apr 9, 2026, 12:00PM HST - Day 42
Hawaii House Floor Meeting
Bills:
SB3136, SB2521, SB2851, SB3154, SB3262, SB2387, SB3001, SB2818, SB2972, SB2372, SB2108, SB888, SB3320, SB2798, SB2110, SB3007, SB2615, SB2095, SB2101, SB3138, SB2756, SB3229, SB2969, SB3286, SB3238, SB2557, SB3140, SB2014, SB3097, SB3096, SB3069, SB99, SB2930, SB2268, SB2543, SB3022, SB3109, SB3215, SB3152, SB3156, SB3234, SB3053, SB3067, SB2673, SB411, SB2041, SB2919, SB2532, SB2152, SB2721, SB2446, SB2601, SB2239, SB2804, SB3324, SB2802, SB2577, SB2320, SB2706, SB2595, SB2781, SB2961, SB2433, SB2657, SB2340, SB3045, SB3203, SB2861, SB3245, SB2803, SB3204, SB3025, SB2138, SB2645, SB3082, SB2109, SB2261, SB3332, SB2811, SB2567, SB2125, SB2866, SB83, SB874, SB2386, SB3137, SB3132, SB2175, SB2272, SB2271, SB847, SB3302, SB2089, SB2102, SB2050, SB2694, SB2487, SB2061, SB709, SB3083, SB2151, SB2852, SB2471, SB2568, SB2253, SB2697, SB2429, SB2929, SB3032, SB2057, SB148, SB2353, SB2075, SB2907, SB2074, SB3219, SB3218, SB2367, SB3048, SB17, SB3253, SB2376, SB3103, SB2999, SB3255, SB1166, SB3157, SB2698, SB3029, SB2146, SB2470, SB3040, SB3076, SB2575, SB3294, SB2438, SB2530, SB2688
Keywords:
lead-free, lead in drinking water, drinking water, water infrastructure, public water system, plumbing, pipe fittings, solder, flux, fixtures, cast iron pipe repair, nonpotable water, Safe Drinking Water Act, Department of Health, water quality, lead exposure, lead contamination, water utilities, backflow preventer, fire hydrant
HI
Hawaii 2026 Regular Session
House Chamber - Fri Apr 10, 2026, 12:00PM HST - Day 43
Hawaii House Floor Meeting
Bills:
SB3136, SB2521, SB2851, SB3154, SB3262, SB2387, SB3001, SB2818, SB2972, SB2372, SB2108, SB888, SB3320, SB2798, SB2110, SB3007, SB2615, SB2095, SB2101, SB3138, SB2756, SB3229, SB2969, SB3286, SB3238, SB2557, SB3140, SB2014, SB3097, SB3096, SB3069, SB99, SB2930, SB2268, SB2543, SB3022, SB3109, SB3215, SB3152, SB3156, SB3234, SB3053, SB3067, SB2673, SB411, SB2041, SB2919, SB2532, SB2152, SB2721, SB2446, SB2601, SB2239, SB2804, SB3324, SB2802, SB2577, SB2320, SB2706, SB2595, SB2781, SB2961, SB2433, SB2657, SB2340, SB3045, SB3203, SB2861, SB3245, SB2803, SB3204, SB3025, SB2138, SB2645, SB3082, SB2109, SB2261, SB3332, SB2811, SB2567, SB2125, SB2866, SB83, SB874, SB2386, SB3137, SB3132, SB2175, SB2272, SB2271, SB847, SB3302, SB2089, SB2102, SB2050, SB2694, SB2487, SB2061, SB709, SB3083, SB2151, SB2852, SB2471, SB2568, SB2253, SB2697, SB2429, SB2929, SB3032, SB2057, SB148, SB2353, SB2075, SB2907, SB2074, SB3219, SB3218, SB2367, SB3048, SB17, SB3253, SB2376, SB3103, SB2999, SB3255, SB1166, SB3157, SB2698, SB3029, SB2146, SB2470, SB3040, SB3076, SB2575, SB3294, SB2438, SB2530, SB2688
Keywords:
lead-free, lead in drinking water, drinking water, water infrastructure, public water system, plumbing, pipe fittings, solder, flux, fixtures, cast iron pipe repair, nonpotable water, Safe Drinking Water Act, Department of Health, water quality, lead exposure, lead contamination, water utilities, backflow preventer, fire hydrant
AL
Transcript Highlights:
- We do have a banking and insurance committee meeting at 9:30.
- We do have a banking and insurance committee meeting at 9:30.
- We do have a banking and insurance committee meeting at 9:30.
- So, this changes two sections of the trust code.
- And again, the goal here is trust code.
Bills:
SB309, HB192, SB178, SB179, SB237, HB10, HB107, HB189, HB37, HB226, SB309, HB192, SB178, SB179, SB237, HB10, HB107, HB189, HB37, HB226
Keywords:
automated driving systems, oversized vehicles, transportation, regulations, permits, HB192, international wire transfer, wire transfer fee, remittance fee, money transmission business, Alabama Securities Commission, Department of Revenue, Education Trust Fund, ELL instructors, English Language Learner, ESL teachers, income tax credit, remittances, international money transfer, migrant families