Transcript Highlights:

• What does a 4% fee rate mean? He asked. That's also, it turns out, a 45% APR.
• The lender and contractor have a financial relationship, even through hidden dealer fees.
• This is a fee that is technically paid by the installer, but in.
• For solar panels, that operation happens the moment it gets permission.
• To operate from the utility.

Keywords: 988, house, all

Transcript Highlights:

• Some funding was reallocated for ongoing operational expenses.
• return of almost **$3** for every dollar used to operate.
• You had a contingency fee of 10.2 percent.
• First of all, the legal fees are all paid from the front.
• There's no, the legal fees aren't paid out.

Bills: SB 1

Keywords: campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, Attorney General, budget recommendations, funding swaps, salary increases, Landowner's Compensation Program, public testimony, law enforcement

Summary: The meeting focused on the budget recommendations for the Office of the Attorney General (OAG), where key issues included the proposed decrease of $163.9 million for the 2024-25 biennium and various methodology swaps for funding. Attorney General Paxton discussed ongoing litigation expenditures and emphasized the need for continued investments in agency staffing to address rising demands within law enforcement. Notably, he requested a 6% salary increase for 2026 and 2027 to retain talented personnel amidst competitive job markets. Public testimony highlighted community awareness challenges regarding the Landowner's Compensation Program, indicating a need for enhanced outreach efforts.

Transcript Highlights:

• operating standards. operating standards.
• , design engineering fees, construction engineering fees, inspection and engineering fees, other.
• <00:48:25.560> fees, fees, construction engineering fees, fees, construction engineering fees
• for operational for operational >> operational<01:04:33.800> credit.
• >> operational credit. >> operational credit.

Keywords: 0:00:01 Call to Order and Roll Call 0:00:28 Approval of Minutes 0:00:40 Information Items 0:01:13 Rpt from Postsecondary Institutions 0:26:46 Project Rpt from Finance and Admin Cabinet 0:30:53 Lease Rpt from Finance and Admin Cabinet 0:39:20 Rpt from OFM – KIA 0:52:42 Econ Development – EDF Grants 0:55:15 OFM Debt Issues 0:58:43 Informational Discussion 1:44:36 Adjournment, 958, all

Summary: The committee first handled routine business, including a quorum call, approval of minutes, and informational items on school district financing and KCTCS equipment purchases. It then considered two KCTCS capital projects after initially rolling them together and later unrolling them: a Fire Commission Fire Academy maintenance building project that had grown from an original $2 million authorization to $4.7 million because of design changes, soil issues, and higher mechanical costs, and a $1.5 million renovation of the Blake Lee building at Somerset Community College for a health science simulation lab. Members questioned the large cost increase on the fire academy project and the adequacy of front-end due diligence, while KCTCS said the project was bid and ready to proceed and that a 15% contingency had been included. Both projects were approved by roll call vote, with the Blake Lee project ultimately approved after the committee unrolled the items and took them separately. The committee next heard and approved a University of Kentucky public-private partnership for the Hamburg East Medical Office Building, a five-story, 220,000-square-foot facility with a not-to-exceed budget of $275 million. UK said the project is intended to expand outpatient access, consolidate some services, and support projected growth in patient volume; the building will house multiple specialties, urgent care, therapy, imaging, and a retail pharmacy. Members asked about possible community uses, consolidation of services, and whether the project would free up other space, and UK said it hopes to consolidate some services and free campus space. The project was approved by roll call vote. The committee then approved three UK lease renegotiations: a specialty pharmacy and infusion services lease at Wellington Way in Lexington, a Department of Ophthalmology and Visual Sciences lease at Conte Terrace, and a College of Social Work lease at McGrath Park Way. Members asked about rising lease rates, occupancy, and whether space needs should be reduced; UK and the lessor’s representative said the pharmacy space remains busy, the ophthalmology lease was lower than before, and the social work lease had been negotiated down from a higher request. The committee also approved a Department of Military Affairs project amendment for a Mutual Field Maintenance Shop Restoration project, increasing federal funding by $1 million to $4.5 million because of higher construction costs, and approved a Kentucky State University Shanty Hall renovation project funded by bond and HBCU Title III funds. Finally, it approved a new lease for the Office of Mines and Minerals in Pike County, a new lease for the Cabinet for Health and Family Services in Pulaski County, and a lease renewal for the Cabinet for Health and Family Services in Kenton County after questions about rent increases and office utilization; the cabinet said the Kenton County space still has limited vacancy and remains in use by field staff. The meeting ended as the Kentucky Infrastructure Authority began presenting six sewer and water loans and six cleaner water program grant reallocations, with members agreeing to roll those items for later consideration.

Transcript Highlights:

• HB 1887 by Metcalf, relating to birth records of adopted persons, authorizing a fee.
• It goes to pay for the maintenance and operation of TDI, is that correct? That's correct.
• money to operate?
• And I don’t know how you would see billions and billions of dollars in fees paid.”
• And let’s say your fee of—let’s say your fee on that was what? Five percent? What’s your fee on?”

Summary: The House convened with a quorum, offered an invocation, led the pledges, and approved a series of routine motions, including excusing absent members and granting permission for several committees to meet while the House was in session. Members also adopted several memorial and recognition resolutions, including H.R. 1023 honoring Christian Beerbill, H.R. 1033 recognizing International Bereaved Mother’s Day, and H.R. 877 recognizing Urban League Advocates Day. The House also recommitted SB 17 and HB 4211 to committee and postponed SCR 27 and HB 2145 for later consideration. The chamber then took up a long third-reading calendar of bills covering a wide range of topics, including Sunset review measures, health care workforce and pricing, child custody and family law, Medicaid, rural ambulance grants, energy reporting, public information requests, trail development, virtual meeting disruptions, occupational licensing, protective orders, county leave pools, animal cruelty, infrastructure, and higher education. Most bills were explained briefly by their authors and passed with broad support, though several drew notable opposition, including HB 5265, HB 2402, HB 3000, HB 3237, HB 3326, HB 1056, HB 281, HB 3308, HB 1043, HB 1234, HB 1193, HB 294, HB 809, HB 334, HB 2037, HB 285, HB 1353, HB 3960, HB 4044, HB 4264, HB 2807, HB 3349, HB 4406, HB 1593, HB 1899, HB 1201, and others. Several bills prompted extended debate or amendments. HB 3237, extending public energy-use reporting for state and higher-education buildings, passed after questions about its public-sector-only scope and energy savings. HB 3326, addressing public service loan forgiveness credit for adjunct professors, initially failed on a 69-70 vote but later passed after verification and machine corrections. HB 3211, concerning optometrists in managed care plans, adopted a Buckley amendment before passing. HB 2213 on Texas Windstorm Insurance Association board composition adopted a Metcalf amendment requiring certain board members to be Texas residents. HB 412, dealing with harmful materials and sexual performance of a child, generated extensive questioning about its scope, existing legal standards, and effects on educators and medical professionals; the excerpt ends during that debate.

Transcript Highlights:

• This includes an inspection and supervision fee, as well as application fees.
• The fees would go into the fund.
• Those fees are collected from pipeline operators and go to fund roughly 40% of our Pipeline Safety Bureau
• Impact on their operations.
• We're doing a logging operation. How do we get a logging operation?

Transcript Highlights:

• The bill also changes the distribution of certain fees for civil traffic violations to create parity
• The bill also changes the distribution of certain fees for civil traffic violations to create parity
• I have one question on splitting the fees between the clerk and municipalities.
• Because in the unincorporated areas, the fees are much different for a citation of that type.
• We haven't raised their fees.

Transcript Highlights:

• Fund, the Department of Cannabis Control can sustain existing enforcement activities without imposing fee
• Most notably, it increases the forest registration fees and begins transitioning a portion of seasonal
• , it requires marketplace facilitators to remit this fee to the Department of Tax and Fee Administration
• This allows the department to sustain existing enforcement activities without imposing fee increases
• and on the operating side.

Keywords: 988, house, all

Transcript Highlights:

• So yeah, we would like to have a $1,000 daily limit, and then also a fee limit of $5 or $5.
• So they actually charged about a 30% kind of transaction fee in effect.
• So the CHISA company will give this person $100,000, minus fees and origination costs.
• We have an engines manufacturing operation in Huntsville, Alabama.
• New Shepard is our main operation here in Washington.

Summary: The committee first heard a work session on cryptocurrency kiosks from the Department of Financial Institutions and Spokane City Councilmember Paul Dillon. DFI described crypto kiosks as licensed money transmission terminals that allow cash purchases of virtual currency, and said the main concern is fraud: scammers often pressure victims, especially older adults, to deposit cash into kiosks and send it to wallets controlled by organized crime. DFI cited a sharp increase in kiosk volume, nationwide fraud complaints and losses, and said Washington currently has licensing and disclosure rules but lacks transaction and fee limits. The department said it is seeking stronger disclosures, a $1,000 daily transaction limit, and a fee cap. Spokane described its unanimous ordinance banning new kiosks and removing existing ones after local scam reports, and members asked about how the machines work, whether the fraud is in the hardware or the transaction, and whether stronger warnings or screening could help. The committee then reviewed home equity sharing agreements, or CHISAs, based on a report by Mariana Amaram and testimony from DFI and industry representatives. The report found that CHISAs provide homeowners a lump sum in exchange for a share of future home value or appreciation, with no monthly payments, but that consumers often struggle to understand the products and settlement calculations. The report said the market has grown quickly in Washington, that costs can be hard to predict, and that early uncapped contracts could produce very high settlement amounts, especially during periods of rising home prices. DFI said it views these products as mortgage loans and is moving forward with rulemaking, including counseling and clearer disclosures, while industry witnesses said the products are equity-based rather than debt-based and asked for tailored regulation. Members discussed the need for better consumer education, clearer payoff schedules, and whether the products should be treated as mortgages or a separate category. The final panel focused on Washington’s space economy, with presentations from Amazon Leo, Blue Origin, Stoke Space, Space Northwest, and Green River College. Speakers highlighted major in-state investments in satellite manufacturing, launch systems, and workforce training, including Amazon Leo’s Redmond and Kirkland facilities, Blue Origin’s Kent headquarters, and Stoke Space’s Kent manufacturing and Moses Lake test site. Space Northwest presented data showing the sector’s growing economic footprint, high-wage jobs, and regional clusters in Kent and Redmond, and urged more workforce programs, incentives, infrastructure support, and a state space commission. The companies emphasized local hiring, apprenticeship and certification programs, and the role of Washington’s aerospace supply chain in supporting the broader space industry. No votes were taken during the transcript excerpt.

Transcript Highlights:

• The internet company then pays a per pole engineering study fee.
• operators are given more time to, to work their way through the process.
• And then I guess number 4 would be you have annual rents that you need to pay or fees, ongoing fees.
• Uh, there, there wouldn't be sort of an administrative fee like 10%, um.
• Are there, are there complaints related to the FCC fees?

Transcript Highlights:

• talking about here is the $50 annual fee talking about here is the $50 annual fee for<00:05:06.520
• If the inspection fee is $100, do you think the inspection fee is adequate?
• So let's talk... last time the fee was um increased yeah last time the fee was um increased yeah uh<00
• want to represent if the inspection fee want to represent if the inspection fee is<00:11:46.760>
• is $100 do you think the inspection fee is $100 do you think the inspection fee is adequate<00:11

Keywords: 928, house, all

Summary: The committee first discussed a proposed increase to the annual elevator certificate fee in the Department of Labor. The commissioner said the fee had been $50 for years and generated just under $300,000 annually, while the Inspection Division’s broader revenue far exceeded its expenses. Members noted the fee only covered the certificate, not the inspection itself, which is billed separately at $100 per hour. After comparing the fee to neighboring states and discussing the department’s revenue and staffing, the committee agreed to rewrite the language to set the fee at $75 and to vote on an amendment later. The committee then took up Section 139, which would expand the list of labor-law violations that can be penalized without first issuing a warning. The Department explained the change was meant to align House Bill 157 with other chapters, including youth employment and workers’ compensation provisions, where immediate civil penalties are already allowed. The section was accepted unanimously. A longer discussion followed on the Second Injury Fund. The commissioner explained that the fund reimburses insurers for certain workers’ compensation costs tied to claims involving pre-existing conditions, is financed by assessments on insurers, and requires notice within 100 weeks of injury plus a $10,000 deductible before reimbursement. He said the fund currently holds roughly $16 million to $22 million, one full-time employee administers it, and total staff involvement is about five to six people. Members questioned whether the fund should be sunset, but the department said the current House Bill 2 language does not propose a sunset; instead, it addresses increased hearing and litigation burdens after a recent Supreme Court decision. Sections 140 and 141, dealing with hearings, were then accepted unanimously. The committee also briefly discussed fines for late insurance coverage reporting, with the department noting the current rubric allows up to $50 per day but uses $112 per day, and members suggesting a lower amount.

Transcript Highlights:

• It would no longer impose the $5 minimum late filing fee on certain tax programs, where we find often
• They're getting a $5 fee.
• rather than the operating budget, which would streamline our operating budget usage and contingencies
• But we were expecting a return, and we need a $0 amount return or they'll incur a $5 fee.
• and gas proceeds, and pass-through entity withholding tax, and the workers' comp fee.

Keywords: 996, all

Transcript Highlights:

• Is the fee going to be basically get rid of one fee and then charge the same fee for the new entity?
• Is the fee going to be basically get rid of one fee and then charge the same fee for the new entity?
• or an oversight fee, it's really a registration fee only.
• Fees make sense when one receives a service that primarily benefits the fee payer.
• Fees make sense when one receives a service that primarily benefits the fee payer.

Summary: The committee heard several higher education bills. It first approved the consent calendar, which included SB 67 and SB 619. The main discussion centered on SB 437, which would direct the CSU system to develop a fair, evidence-based process for verifying whether someone is a descendant of a person enslaved in the United States, as part of the state’s reparations work. Supporters said the bill fills a gap left by the Reparations Task Force and would create a transparent, credible lineage-verification process; opponents argued genealogy methods already exist, the bill would waste money and delay action, and some raised constitutional concerns. The committee took a vote on SB 437, but the roll was left open after the initial tally showed three ayes and three noes. The committee then heard SB 790, which would allow California to join the interstate reciprocity agreement for online postsecondary education. The author and supporters said the bill would improve consumer protections for California students taking out-of-state online courses and help California institutions compete more effectively by reducing the burden of seeking separate state approvals. Opponents, including University of Phoenix and other groups, argued the bill conflicted with the existing reciprocity framework, could exclude some institutions, and might not actually secure California’s entry into the agreement. The committee voted 3-1 to pass SB 790 as amended to the Business and Professions Committee, with the roll left open. The committee also heard SB 391, which would authorize the Community College Chancellor’s Office to charge fees for research partners seeking access to data. Supporters said the office is absorbing significant unfunded workload from data requests and that fees would help recover costs; opponents, including the California Teachers Association community college association, warned the fees could create barriers for faculty and smaller researchers. Members discussed possible exemptions and implementation details. The committee voted 5-1 to pass SB 391 as amended to the Appropriations Committee, with the roll left open. Finally, the committee heard SB 685, a pilot program to provide cost-of-attendance assistance at four CSU campuses for students who experienced homelessness in high school. Supporters said it would help students cover housing, food, and transportation costs and reduce dropout risk; members asked about eligibility and implementation, and the author explained the bill would use McKinney-Vento homelessness designations and target students at risk of “summer melt” and college homelessness.

Transcript Highlights:

• to theany the you know your the the fee to theany the you know your the the fee that<00:27:14.360
• right now all of those systems operate right now all of those systems operate from<01:27:36.320>
• costs that they're picking up about. increase these filing fees by $20 which increase these filing fees
• <02:39:43.160> and about so wasn't the filing fee and about so wasn't the filing fee and general
• presumably criminal cases have no fee presumably criminal cases have no fee right<02:40:07.439><

Keywords: 928, house, all

Summary: The committee heard testimony from Insurance Commissioner DJ Bettencourt on the New Hampshire Insurance Department budget. He said the department is self-funded through assessments on insurers based on New Hampshire premium volume, with about $8 billion in premiums written in the state and a department budget of roughly $15.5 million. He explained that the department has 88 authorized positions, eight vacancies, and that three full-time positions were unfunded after the governor’s requested 4% reduction exercise. He also said the department is trying to balance staffing needs with not overburdening carriers during a hard insurance market. A major topic was the department’s $2.6 million rebate to industry from the prior fiscal year, which Bettencourt described as a credit against the next assessment rather than a direct cash payment. Members questioned why that credit was not reflected as a reduction in the upcoming budget, and Bettencourt and staff explained that the budget assumes full staffing and full spending, with any year-end surplus returned to insurers. The commissioner said the department had added staff in recent years for succession planning and to preserve institutional expertise, and that the rebate reflects careful budgeting rather than excess spending. Members also asked about staffing changes by division, including positions unfunded in fraud, property and casualty examinations, life and health examinations, and tax. Bettencourt said fraud investigations remain strong and that the department can use outside contractors for examinations, with those costs billed to the company being examined. He also described the department’s examination process, including periodic financial exams and targeted market conduct reviews triggered by consumer complaints or trends. Additional questions covered OIT transfers, the department’s oversight of fully insured health coverage, the insurance premium tax and fines going to the general fund, and the department’s limited role in auto repair reimbursement disputes, where he said complaints have recently declined.

Transcript Highlights:

• The tipping fee is the fee that you pay per ton when your trash goes to the landfill, right, or waste-to-energy
• have the The Tipping fee is the fee<03:10:56.359> that<03:10:56.520> you<03:10:56.760>
• had uh you know like a dozen operations had uh you know like a dozen operations before<03:49:35.640
• , then I'm going to have to pay a fee to go to the court, and then I'm going to have to pay a fee at
• to have to pay a fee at the court.

Keywords: 928, house, all

Summary: The committee took up House Bill 2 provisions affecting the New Hampshire Retirement System, focusing on Group 2/Tier B retirement changes in pages 25 through 39 of the bill. NHRS Executive Director Jan Goodwin and deputy chief counsel Mark Kavanaugh explained that the 2025 bill is largely similar to prior versions and to HB 727, with the main difference being that the 2025 version does not include the earlier increase in the maximum benefit. They also said the fiscal note for HB 2 is based on earlier actuarial work and that an updated valuation was expected later in the week. A major topic was whether the bill accidentally removed an anti-spiking or special-duty compensation limit. NHRS said the omission appears to be a scrivener’s error caused by moving language between Group 1 and Group 2 definitions, and they planned to flag it in the fiscal note. Members also reviewed the bill’s intent to restore Tier B members to pre-2011 benefit rules, including changes to earnable compensation, average final compensation, and the comp-over-base rule. Some members questioned whether restoring those older rules was appropriate, arguing the 2011 changes were meant to curb pension spiking and that undoing them could be problematic. The committee also discussed the bill’s cost and funding assumptions. NHRS said the 2025 bill would reduce unfunded actuarial liability by about $98.2 million and would have a more favorable effect than the 2023 version, while employer contribution impacts would remain relatively small. Members noted the bill assumes annual appropriations of $27.5 million for 10 years, but House Bill 1 currently provides only $5 million in the first year, and NHRS had not yet analyzed the effect of that shortfall. No votes were taken in the portion provided; the discussion was informational and focused on clarifying the bill’s language, intent, and fiscal impact.

Transcript Highlights:

• We support four ports of entry, and we operate six rest areas.
• Our operating budget is about 44 million dollars.
• This is one fee schedule that has not been changed. since 1963.
• Each segment of rail is owned by a different operating entity.
• Even though we own both, they manage the operations, including the scheduling and setting of fees and

Transcript Highlights:

• but their attorney's fees limited?”
• The intent of the operator.
• I want to support the operator for somebody that don't pay.
• , or public lodging operator process.
• , or public lodging operator process.

Summary: The committee considered a long agenda of bills, with most measures reported favorably after brief sponsor presentations, amendments, and roll calls. Early bills included SB 658 on lien waivers/releases, SB 736 on Brownfields redevelopment, SB 1002 on utility service restrictions, SB 1132 on right-to-repair for certain equipment, and SB 1378 on restitution for leaving the scene of a crash involving property damage. Each was amended or discussed as needed and then approved by the committee. The committee also advanced SB 768 on foreign control interests in health care licensing, SB 772 on school diabetes management and access to glucagon, SB 1400 on removal of altered sexual depictions posted without consent, SB 1696 on prearranged transportation services, and SB 1374 on school district reporting requirements for educator arrests and misconduct. Several bills drew notable public testimony and debate. SB 1132 prompted strong support from the sponsor and agriculture interests, but opposition from equipment dealers, technology groups, and wireless industry representatives who argued the market already provides repair options and that the bill could harm dealer networks and security. SB 1730, the Live Local/affordable housing bill, received extensive discussion about parking reductions, height and density preemption, attorney’s fees, local government authority, and impacts on Monroe County and other areas; the committee adopted an amendment and reported the bill favorably despite concerns from some members and advocates about parking, due process, and local control. SB 606 on public lodging and food service establishments also generated significant debate, with opponents warning it could displace long-term guests and vulnerable families, while the sponsor said it clarifies transient occupancy and removes ambiguity in the removal process; the bill passed after the committee rejected a related amendment. Other measures advanced with less controversy. SB 576 updated service-of-process rules, and SB 1164 authorized email delivery of landlord-tenant notices if the parties agree in writing, though tenant advocates urged clearer safeguards and the sponsor said he was not yet committed to the House version. SB 940 prohibited the resale of restaurant reservations without consent and was supported by restaurant interests. SB 1690, allowing infant safety devices or “baby boxes” as a legal surrender option, drew emotional support from several witnesses who said it would provide anonymous, life-saving alternatives for mothers in crisis; the committee continued discussion into the latter part of the meeting. Throughout, the committee adopted several amendments, heard both support and opposition from industry, advocacy, and local-government witnesses, and reported the discussed bills favorably by recorded vote.

Transcript Highlights:

• AAMVA is an association that is actually run and operated by its members.
• Chair, that you mentioned tying fees to inflation.
• There are a number of fees that DMV collects, as they noted earlier.
• The main fee, the registration fee, and the CHP fee, those are tied to inflation.
• As they noted earlier, the main fee, the registration fee, and the CHP fee, those are tied to inflation

Keywords: 988, house, all

Summary: The committee heard several budget and policy items, beginning with the DMV’s proposal for the federal state-to-state verification system and the Digital Experience Platform (DXP). DMV officials said the state-to-state system is required for Real ID compliance and functions as a pointer system that shares only limited identifying information to help states verify whether an applicant has records in another jurisdiction. Members pressed hard on privacy, access, hacking, notification, and misuse concerns, including whether other states or federal actors could use the system to target Californians. DMV said access is limited to member jurisdictions, requests are transaction-based, records are encrypted, California can see when its data is requested, and legal remedies would include working through AAMVA and the Attorney General if misuse occurred. On DXP, DMV said the project has been reset, is on its revised schedule and budget, occupational licensing is complete, vehicle registration is targeted for completion by the end of the calendar year, and the full modernization is expected by fiscal year 2028-29. The committee then took up the High-Speed Rail Office of Inspector General trailer bill and AB 1608. The Inspector General said current law does not clearly authorize public reports or establish a work-paper retention and disclosure framework, and that the trailer bill and AB 1608 would codify those powers, add access to needed job classifications and purchasing authority, and require public reporting with temporary confidentiality only in limited circumstances such as pending litigation, security vulnerabilities, or fraud-detection weaknesses. Members debated how broad the confidentiality language should be, whether reports could remain confidential too long, and whether the bill should define “proposed agreements” and require notice to the Inspector General when agreements are being reviewed. The Inspector General said he had already found at least one procurement-related state law violation involving an amendment that added services not in the original contract, and members discussed the project’s large cost growth and the need for stronger oversight. No vote was taken on the item in the portion provided. Finally, Caltrans began presenting a trailer bill proposal related to workforce development under SB 150, explaining that it would amend Government Code 14017, which governs use of federal highway formula funds and related workforce development efforts. The transcript cuts off as Caltrans starts its overview, so no further discussion, vote, or action on that item is shown in the provided text.

Transcript Highlights:

• Second is the DCA fund operations Second is the DCA fund operations funding,<00:18:31.360> a<
• operation to a vendor-supported operation.
• operation to a vendor-supported operation.
• operation to a vendor-supported operation.
• operation to a vendor-supported operation.

Keywords: 910, house, all

Transcript Highlights:

• proprietary business operations. proprietary business operations.
• That's fees.
• <00:47:52.440> Um that fee schedule. Um that fee schedule.
• didn't operate in good faith." didn't operate in good faith."
• <00:58:52.080> Maybe attorney's fees. This is terrible. Maybe attorney's fees.

Keywords: 1187, senate, all

Transcript Highlights:

• We see all sorts of additional fees like pre-lease deposits, application screening fees, late fees that
• service support fee disclosure service support fee prohibition<01:05:26.799> disclosure<01:05
• other there's there's a ton of fees other there's there's a ton of fees that's<01:05:30.319>
• <01:05:52.880> fees<01:05:53.880> um<01:05:54.039> late<01:05:54.319> fees
• application screening fees um late fees application screening fees um late fees that<01:05:54.799

Keywords: 1187, senate, all