Transcript Highlights:

• I'm really not an expert in tax policy, but I have so many questions.
• I run the Center for State Policy Analysis at Tufts.
• I run the Center for State Policy Analysis at Tufts. we do I'm Evan Horowitz.
• I run the Center for State Policy Analysis at Tufts.
• We do timely research on live policy issues in a strictly nonpartisan way, working on fiscal policy,

Keywords: 995, all

Summary: The Senate and House Ways and Means chairs opened the FY 2027 consensus revenue hearing by emphasizing the need for a balanced, fiscally responsible budget amid federal funding cuts, health care cost pressures, and uncertainty around the federal tax law changes referred to as OB3. They also noted the state’s current revenue performance is slightly above benchmark and paid tribute to the late Representative Anne Margaret Ferranti. Secretary of Administration and Finance Matthew Gorkowitz echoed the call for caution, saying Massachusetts has protected core services while building reserves and that the FY27 budget process begins with a careful revenue estimate. Department of Revenue Commissioner Jeff Snyder, along with DOR staff, presented FY26 and FY27 tax forecasts and identified major drivers and risks: OB3’s negative impact on state revenue, surtax collections, labor market conditions, capital gains, and corporate/business excise taxes. DOR estimated OB3 would reduce FY26 revenue by about $664 million and FY27 by about $282 million, while surtax and capital gains were expected to remain strong in FY26 but soften in FY27. Members questioned the outlook for surtax, capital gains, and the potential fiscal effect of a ballot question reducing the income tax rate from 5% to 4%; DOR said that proposal could cost roughly $4.2 billion to $4.8 billion annually, with a smaller but still significant impact in FY27 because of phase-in timing. Treasurer Deb Goldberg testified next on the stabilization fund, lottery, PRIM, unclaimed property, and the Alcoholic Beverages Control Commission. She reported the rainy day fund at about $8.1 billion, said the lottery was on track for $1.5 billion in FY26 net profit and projected $1.25 billion in FY27, and highlighted that iLottery is expected to launch in summer 2026 with revenue beginning in FY27 and dedicated to child care initiatives. She also described strong PRIM performance and record unclaimed property returns, while members asked about the child care use of iLottery revenue, multilingual outreach, and the economic impact of expanded liquor licensing. Mass Taxpayers Foundation President Doug Howgate and Tufts’ Evan Horowitz then offered differing revenue outlooks and policy warnings. Howgate projected modest growth, cautioned against overusing reserves for ongoing obligations, and urged caution on federal tax conformity changes and health care spending pressures. Horowitz projected higher FY26 and FY27 revenues than other witnesses, warned that the surtax and capital gains make the tax system more volatile, and said a 4% income tax ballot question could reduce FY27 revenues by roughly $800 million to $1 billion. He also flagged the rent control ballot question as a potential risk to municipal finance and suggested the state consider giving a permanent home to the independent revenue model used by Alan Clayton-Matthews.

Transcript Highlights:

• Is that the policy?
• That being said, own your policy.
• The bill does not change the underlying policy of AB 8.
• The bill does not change the underlying policy of Asia.
• These are avoidable costs driven by delay, not by policy.

Summary: The Assembly Committee on Revenue and Taxation heard several bills, most of them referred to the suspense file because of their fiscal impact. AB 2465 and AB 1675 would deny state grants, loans, tax credits, or other benefits to companies doing business with ICE or related immigration-enforcement agencies; both drew strong support from immigrant-rights, labor, and community groups, and opposition from CalChamber and industry groups that argued the bills were overly broad and could affect unrelated federal contracts. AB 1633 would impose a 50% gross receipts tax on for-profit private immigration detention facilities, with supporters saying it would hold companies accountable for dangerous conditions and opponents warning it was punitive and could disrupt detention operations. The committee also heard AB 2089, which would streamline the welfare property tax exemption process for affordable housing, and AB 2250, a cleanup bill to clarify hemp enforcement laws; both were supported by affected industry and advocacy groups, while county assessors and tax collectors opposed AB 2089 unless amended over workload and implementation concerns. AB 2172, which would allow counties to use a single-member assessment appeals commissioner for complex property tax appeals, was the only bill taken up for a vote during the meeting. Supporters, including Los Angeles County Assessor Jeffrey Prang, said the change would reduce a large backlog and speed resolution of appeals; the committee adopted amendments and passed the bill 4-0 to the Assembly Committee on Appropriations. The committee also heard AB 2319, creating a proposed post-production tax credit to keep film and television post-production work in California, with support from labor and industry representatives who said jobs and spending were leaving the state; the author said the bill still needed work on labor standards and the annual credit cap. Finally, AB 2403 was presented to create a commercial production tax credit to keep commercial shoots in California. The author and supporters said commercial production has declined sharply in the state and that other states are winning work through targeted incentives, while labor-backed witnesses argued the bill would protect middle-class jobs and local spending. The transcript ends during the presentation of AB 2403, before any vote or final action on that measure.

Transcript Highlights:

• I'm the advocacy and policy manager for the Housing Action Coalition.
• A public policy think tank in the San Francisco Bay Area.
• This is not a closed-door, safe, protected policy.
• This is not a closed door, safe, protected policy.
• This is not a statewide policy; it is targeted legislation.

Summary: The committee heard a series of housing, local government, and governance bills, with most of the discussion focused on housing production, permitting, and local accountability. SB 1003, by Senator Grayson, would create an Infrastructure Partnership Financing Program to help local jurisdictions and developers jointly fund infill housing infrastructure; it drew support from housing advocates and senior housing groups, while Senator Seyarto questioned whether the state would actually fund another program. The bill was moved on a 3-1 vote and remained on call. SB 1014 would require local jurisdictions to provide good-faith estimates of on-site and off-site improvements within 30 business days of a preliminary application and limit later surprise requirements; Habitat for Humanity, SPUR, and other housing groups supported it, while the City of San Mateo and local government associations raised concerns about accuracy and timing. It passed 4-2 and remained on call. SB 1036, which would require credit under the Mitigation Fee Act for prior site uses when redeveloping a site, passed unanimously to the Senate floor. SB 1145 would streamline CEQA and federal reuse review for qualifying projects at the former Concord Naval Weapons Station; it drew broad labor and local support, but housing and legal advocates sought stronger affordability and enforceability provisions. The bill passed 6-0 to the Committee on Environmental Quality. The committee also considered SB 908, which would streamline permits for energy-code-compliant residential window replacements and limit local design restrictions and HOA barriers. Supporters said the bill would let homeowners and affordable housing providers reduce energy costs, while opponents argued it could override local design standards; it passed 3-1 and remained on call. SB 1172, the Local Tax Savings Act, would add guardrails and transparency to local tax-sharing and consultant agreements; it was supported by the City of Shafter and the League of California Cities and passed 4-0 to Revenue and Taxation, remaining on call. SB 1283 would expand ministerial approval for EV charging stations to include canopies and on-site energy storage systems and require local ordinance updates by 2027; EV industry groups supported it, while cities and counties warned about safety, liability, and local review. Members discussed battery storage safety and litigation concerns, and the bill passed 4-0 to Judiciary, remaining on call. The committee also heard SB 1379, which would separate the Riverside County Sheriff-Coroner offices and create an independent medical examiner in response to in-custody death concerns. Supporters cited high death rates, settlements, and the need for independent investigations, while the sheriff’s association and county representatives argued the change would be costly, duplicate services, and override local control. The bill passed 4-1 to Public Safety and remained on call. Finally, SB 1414 would create an independent redistricting commission for San Bernardino County; supporters said it would improve transparency and remove conflicts of interest, while the county opposed the estimated $2 million cost and noted its existing advisory commission. Members generally supported independent redistricting, and the bill was discussed but no final vote was recorded in the excerpt.

Transcript Highlights:

• So now we're in policy class really quickly.
• But this is in tandem with solving those policy issues.
• We refreshed our direct buy policy.
• So we've just refreshed our supplier diversity policy.
• We supported DES in increasing the direct buy policy.

Summary: The committee heard a work session on voting access on tribal lands, beginning with a presentation from Dr. Chelsea Jones of the Brennan Center. She described barriers affecting Native voters and voters on tribal lands, including long travel distances to polling places and drop boxes, nontraditional addresses, unreliable postal service, language access, and limited broadband. Citing research, she said turnout on tribal lands trails turnout off tribal lands by about 10 percentage points nationally and about 10% in Washington, with larger gaps in some convenience voting measures. Members asked about the meaning of “lost votes,” the role of tribal leadership and community trust, and whether outreach by election officials and candidates could help; Dr. Jones emphasized that the study measured missed voting opportunities, not missing ballots, and that partnerships with trusted community leaders are important. The University of Washington Elections Database then presented data on voter registration, turnout, signature challenges, curing, and ballot rejection for voters whose addresses fall within tribal reservation boundaries. The presenters said registration on reservations increased from about 107,000 in 2010 to 137,000 in 2024, turnout on reservations remained about 8 to 9 percentage points lower than outside reservations in recent general elections, and signature-challenge and rejection rates were generally low but somewhat higher in off-year elections. They reported that about 60% to two-thirds of signature-challenged ballots are cured, with cure rates similar inside and outside reservations, and that late return is the most common reason for primary ballot rejection while signature mismatch is the leading cause in general elections. A question was raised about USPS postmarking issues and how those might affect future data; the presenters said they plan to track return method and cure timing more closely. The committee also received an overview of the Governor’s Office of Indian Affairs. Staff reviewed the office’s history, the Centennial Accord, the Millennium Agreement, and related state-tribal frameworks, and GOIA Director Tim Rainan described the office’s role as a bridge between the state and tribal governments, including consultation, policy coordination, training, and convening work groups. He said GOIA now has six positions, is part of the governor’s executive cabinet, and is working on a statewide tribal relations training module and consultation handbook. In response to a question, he said tribal voting is not a major topic at the Centennial Accord but is discussed more extensively through ATNI. The committee then shifted to contracting equity, hearing from WSDOT, DES, OMWBE, and the Office of Equity. WSDOT described its race-neutral small business and veteran goals, mentorship and support programs, and its response to the federal suspension of the DBE program; DES discussed statewide contracting spend, the EDGE pilot for small construction firms, and efforts to improve procurement access; OMWBE reported growth in certified firms and about $371 million in state spend with certified firms in the most recent year, while noting ongoing impacts from federal DBE changes; and the Office of Equity outlined its broader work on agency consultation, dashboards, and systems change. No votes were taken.

Transcript Highlights:

• The bill is being referred to the committee on health finance and policy.
• The bill is being referred to the committee on housing finance and policy.
• vulnerabilities and policy vulnerabilities and policy recommendations.<00:13:34.240> We<00
• She wanted her committee to be fluent in energy policy before they started debating bills.
• She wanted her committee to be fluent in energy policy before they started debating bills.

Keywords: 1183, house

Transcript Highlights:

• His work is grounded in policy.
• adjustments uh to rate-making policies adjustments uh to rate-making policies that<00:21:05.920>
• some of these policies being in place? some of these policies being in place?
• energy policy in the state. energy policy in the state.
• There was no big big policy call.

Keywords: Senate streaming session for Thursday, April 2, 2026, 960, senate, all

Summary: The Senate convened with a quorum, heard an invocation by Reverend J.C. Austin of Woods Memorial Presbyterian Church, and journalized the prayer. Members also introduced several guests and interns, including a shadow from the 45th District, a Legislative Black Caucus fellow, a ninth-grade author from Annapolis High School, a World Autism Acceptance Day group in the gallery, and a student shadowing the Senator from District 30. The chamber then moved to House bills on second reading and Senate bills on third reading. The Senate adopted favorable committee reports and passed several House bills without objection, including measures extending the Maryland Horse Industry Board sunset, requiring housing counseling information for certain first-time homebuyers, expanding the educator expense tax subtraction to full-time pre-K teachers, increasing funding for the State Library Resource Center, extending agricultural use assessment eligibility for community solar projects, allowing the Seat Pleasant Police Department to join the Law Enforcement Officers Pension System, authorizing changes to a tax sale legacy protection program, and granting special taxing authority for the Village of Drummond. The chamber also adopted seven amendments to Senate Bill 1007 on state debt authorizations and ordered it printed for third reading. On final passage, Senate Bill 956 on Maryland Transportation Authority video toll collections passed with 44 affirmative votes. The Senate then took up Senate Bill 841, a major energy affordability and utility reform bill, with two committee amendments adopted. The bill was described as providing short-, medium-, and long-term rate relief, including changes to EmPOWER Maryland, utility cost recovery, data center tariffs, net metering, solar policy, transmission planning, battery storage, nuclear incentives, and low-income assistance. Debate began on the amended report, and a motion to lay the bill over was withdrawn while members discussed waiting on additional amendments.

Transcript Highlights:

• Even supporters of the policy are in disagreement on how this policy should be implemented.
• Even supporters of the policy are in disagreement on how this policy should be implemented.
• policy when I was in the other chamber. policy when I was in the other chamber.
• scenario when we force these policies. scenario when we force these policies.
• education costs to reject this policy. education costs to reject this policy.

Keywords: 1191, senate, all

Transcript Highlights:

• And so we added very explicit criteria into the policies.
• That same policy will take you to what the required elements are for an application.
• The Water Trust Board settled on a general guideline that's in policy, a policy target that sets out,
• The policies really haven't changed.
• On June 25th, the Water Trust Board also updated the project management policy.

Transcript Highlights:

• So the next major policy that I'll highlight is the prospective pay policy.
• Yes, they are policy, but they are also important fiscal policy direction that will inform how we spend
• This proposal does raise significant policy considerations.
• It's a fairly significant change in a longstanding policy.
• It's a fairly significant change in a longstanding policy.

Keywords: 988, house, all

Transcript Highlights:

• This is going to be our omnibus Human Services policy bill.
• Chair, members, article two is the Aging and Disability Services policy article.
• All these sections the DHS policy bill.
• MDH policy MDH policy clarification<00:32:51.960> related<00:32:52.560> to<00:32:53.040
• Health policy bill. Health policy bill.

Keywords: 1187, senate, all

Transcript Highlights:

• Canceled policies.
• We see these a lot with large policies, like farm policies, small business policies.
• This is where an individual has a policy. They don't pay their premium, their policy cancels.
• They sold 232 fraudulent policies to people who, they were legitimate policies.
• They went on progressive website. they bound. policies to people who they were legitimate policies they

Summary: A joint House-Senate Insurance and Commerce meeting focused on the growing threat of financial fraud in Arkansas, with members hearing from bankers, regulators, law enforcement, AARP, and mortgage and insurance industry representatives. Witnesses described a wide range of scams, including spoofed bank calls and texts, fake websites and social media impersonation, romance and investment scams, business email compromise, gift card fraud, check fraud, wire fraud, reverse mortgage scams, and crypto kiosk schemes. Several speakers emphasized that fraud is increasingly organized, technology-driven, and amplified by artificial intelligence, and that seniors are disproportionately targeted and often suffer the largest losses. Testimony highlighted both prevention and recovery efforts. Bankers said institutions spend heavily on training, customer education, and fraud detection, but often cannot stop losses once customers have been convinced to authorize transfers. The Attorney General’s office described its Consumer Protection Division, a new Financial Fraud Task Force, and examples of recovering funds quickly from crypto kiosk and wire fraud cases. The State Bank Department and Securities Department said Arkansas’s 2025 crypto ATM legislation and related education requirements have helped, and they urged continued public education. The Insurance Department reported major insurance-fraud trends, including fake insurance cards, forged policies, premium-finance schemes, and staged auto accidents, and said it prosecutes these cases aggressively. Members asked about reporting scams, the security of tap payments, how fraud losses are tracked, the role of crypto kiosks, and whether Arkansas should pursue model legislation or stronger action against telecom and social media companies. Witnesses said tap payments are generally safer than chip or swipe, that crypto transfers are often unrecoverable, and that spoofed caller ID and impersonation ads remain major problems. Paul Benda of the American Bankers Association urged state and federal action against telecom and social media platforms and supported national scam legislation. No new bills were voted on at the meeting, but members approved the November 3, 2025 minutes and several witnesses offered to share model legislation, consumer education materials, and state-by-state fraud data with the committee.

Transcript Highlights:

• You have to have policy letters. So these policy letters tell the organization..."
• "You have to have policy letters.
• and Policy Committee.
• And this is one of those things... ...policy and budget and policy committee.
• This is just really good policy.

Summary: The committee met with a quorum and first postponed CS for HB 781 at the sponsor’s request. It then heard and passed CS for HB 429, which codifies the existing process for terminating or cancelling motor vehicle dealer franchises and requires manufacturers to provide written sales and service performance criteria; the bill was supported by the Florida Automobile Dealers Association and was reported favorably 12-0. The committee next took up HB 983 on homeowners associations, where the sponsor described HOA fraud and abuse concerns and proposed expanding local law enforcement authority to investigate, inspect, and audit HOAs, easing recall procedures, and allowing prevailing-party attorney’s fees in recall disputes. Two amendments were adopted: one removing constitutionality-problematic Kaufman language, and another defining financial statements more comprehensively to improve HOA transparency. The bill drew support from Miami-Dade County and the Miami-Dade Sheriff’s Office and was reported favorably as amended 14-0. The committee also passed CS for HB 1343 on public nuisance abatement fines, which raises daily fines from $250 to $500, removes the $15,000 cap, adjusts foreclosure timing on unpaid nuisance liens, and allows attorney-fee calculations to include legal assistance time. Members discussed due process and notice concerns, and the sponsor said he would work on clarifying notice for both owners and nuisance-causing parties; the Orange County Sheriff’s Office supported the measure, citing violent crime tied to nuisance properties. CS for HB 643 on residual market insurers was then reported favorably without discussion. CS for HB 1183 on cybersecurity incident liability followed; it would shield government and private entities from liability if they substantially comply with cybersecurity standards, with the sponsor explaining that the bill was revised after a prior veto to define substantial compliance through policy letters, disaster recovery planning, and multi-factor authentication. Despite concerns about the breadth of the liability protection, the committee adopted an amendment and reported the bill favorably 13-1. PCS for HB 915, addressing advertisements for representation services, was also reported favorably 14-0. The bill targets misleading advertising by nonlawyers and notaries, especially in immigration-related services, requiring clear bilingual disclosures and allowing damages, fees, and injunctive relief for violations; it was supported by faith-based and civil rights groups. CS for HB 585 on former phosphate mining lands was then approved 14-0; the sponsor said it would create a defense to Water Quality Assurance Act strict liability for naturally occurring substances on former phosphate mine sites, require notice recording, radon surveys, and pre-suit radiation testing, and it would not apply retroactively to pending litigation. HB 6503, a claims bill for Mandy Penny Lemon, was also reported favorably 14-0 after brief sponsor remarks describing her severe injuries and homelessness following a 2018 incident. Finally, the committee considered HB 129 on pesticide-related products liability. A strike-all amendment was adopted that bars failure-to-warn claims for EPA-registered pesticide products when the label is consistent with EPA’s most recent human health risk assessment and carcinogenicity classification, while preserving claims if information was withheld, concealed, misrepresented, or destroyed to obtain or maintain the label. Supporters argued the bill provides certainty and respects EPA’s scientific labeling process; opponents warned it would effectively block access to courts and delay claims until after lengthy EPA investigations. After extensive debate, the committee reported the bill favorably as amended 13-1.

Transcript Highlights:

• The policies work.
• The policies work.
• The policies work.
• The policies work.
• So policy KEC, I believe, is a required policy.

Keywords: 1191, senate, all

Transcript Highlights:

• This had policy side by And spreadsheets were posted on May 29th.
• All of the leaders signed the spreadsheets and the policy and then went back on their word.
• We'll have time to focus on more policy next year.
• With that, I'll hand it over to the policy chairs.
• Those are the big changes with the education policy bill.

Transcript Highlights:

• I call this meeting of the House Education Policy Committee to order, and there is a quorum present.
• I always like to pray for policymakers to make good policy.
• whether it be individually or as a policy. So there will be more data requests.
• I served as the policy chair on the Diner School Board, so I reviewed our data request policy many times
• The answer is yes, school districts set their own policy, and often it is based on model policies received

Transcript Highlights:

• can disagree here on different policy can disagree here on different policy issues<00:09:53.800>
• What they are experts in is conducting policy research.
• <00:47:33.079> we this is the law this is the policy we this is the law this is the policy
• , such as insubordination or the state respectful workplace policy.
• , such as insubordination or the state respectful workplace policy.

Keywords: 1183, house

Summary: The committee met on February 11 and began with introductions from members and staff, who shared brief personal and district facts. Chair Jim Nash then outlined the committee’s goals for the session, emphasizing bipartisan cooperation, the need to address a looming structural deficit, and the committee’s role in moving legislation forward. The committee also reviewed its rules for the year. The main item was House File 3, authored by Chair Nash and referred to Ways and Means. The bill would require the Office of the Legislative Auditor to produce an annual report tracking whether agencies have implemented prior audit and evaluation recommendations, with the goal of improving internal controls, transparency, and accountability and helping legislators make funding decisions. Nash described the bill as a preventative measure to reduce waste, fraud, and abuse, and said it was modeled in part on practices used in Colorado. Legislative Auditor Judy Randall testified that the office already produces similar update reports but lacks resources to independently verify many agency responses; she said the bill would provide a framework for more regular reporting and discussion, not a “shame tool.” Ranna Lee of Americans for Prosperity testified in support, saying the bill would increase accountability and transparency for how public agencies manage taxpayer resources. A letter from the Minnesota Council on Nonprofits was also noted in support. Representative Clardy offered the A7 amendment to add an appropriation matching the fiscal note; Nash accepted it, saying savings could be found later in the process. The committee approved the A7 amendment by voice vote. During discussion, Representative Quam supported the bill’s focus on accountability, and Representative Freiberg questioned the Legislative Auditor about the office’s expertise on a specific ambulance-services recommendation in the report. Randall responded that the office’s staff are policy research generalists who use standards, best practices, interviews, surveys, and site visits to develop recommendations, and that the goal is to prompt further discussion rather than require blind acceptance. The transcript ends during that exchange, with no final committee vote on House File 3 shown.

Transcript Highlights:

• One of the ways to achieve a policy goal is to put a provision in the tax code.
• If you enact a policy through a tax expenditure, you are reducing taxes.
• the same policy the same policy outcome<00:19:08.520> Mr<00:19:08.799> Willet<00:19
• policies policies by<00:51:17.000> subdivision<00:51:17.599> 7B<00:51:18.200> states
• the individual income tax policy the individual income tax policy supervisor<01:16:38.120> at

Keywords: 1187, senate, all

Transcript Highlights:

• Committee on Capital Investment and be re-referred to the Committee on Transportation Finance and Policy
• and be rer to the education policy and be rer to the committee<00:11:38.079> on<00:11:38.279>
• <00:11:40.959> I<00:11:41.120> recognize<00:11:41.639> the finance and policy
• I recognize the finance and policy I recognize the member<00:11:42.000> from<00:11:42.200>
• uh will go to children and Poli policy uh will go to children and families<00:12:01.480> and<

Keywords: 1183, house

Transcript Highlights:

• unknowns regarding federal policy unknowns regarding federal policy changes<00:03:10.840> and
• and policy consumption second policy and policy changes<00:17:42.320> and<00:17:42.520> uncertainties
• <00:19:27.600> coupled uncertainty in federal policies coupled uncertainty in federal policies
• budget Bia uh in part because policy budget Bia uh in part because policy makers<00:37:27.400>
• because the policy is not yet known.

Keywords: 1187, senate, all

Transcript Highlights:

• This would put another $2 surcharge on home insurance policies for fire cistern programs..."
• It would also include a QR code on each certificate, ...expiration date of the policy.
• expiration date of the policy.
• Important policy definitions, such as pre-existing conditions, vary from policy to policy and brand to
• brand, making it difficult for consumers to understand and compare policies.

Keywords: 995, all

Summary: The Joint Committee on Financial Services held a public hearing with about 43 witnesses and a 1:00 p.m. hard stop, and the chair repeatedly asked speakers to keep testimony to three minutes. Much of the hearing focused on S. 747/H. 1336, which would extend paid family and medical leave and unemployment insurance to graduate student workers. Supporters included legislators, union leaders, graduate workers from MIT, Harvard, BU, WPI, UMass Lowell, and others, and legal advocates. They argued graduate workers perform full-time teaching and research work, pay taxes, and should not be excluded from basic safety-net benefits; several witnesses described personal hardships involving childbirth, serious illness, mental health crises, funding cuts, or fear of losing income. Testifiers also said the change would be revenue-neutral or revenue-generating and would not create major administrative burdens for universities, which already provide similar benefits to other employees. The committee also heard testimony on insurance-related bills. Christopher Stock of the Massachusetts Insurance Federation supported H. 1113 on public adjusters and H. 1345/S. 753 on flood-zone notifications for homebuyers, but opposed H. 4112, which would add a $2 surcharge on home insurance policies to fund fire cistern programs. The Metropolitan Area Planning Council strongly supported H. 1345, saying flood disclosure is needed because Massachusetts lacks statewide flood-notification requirements and flooding risks are increasing. Karen Alvarado supported H. 4352 on travel insurance, and John Fielding supported H. 1186 on pet insurance; both said the bills would create uniform regulatory frameworks and consumer protections. Rep. LeBoeuf testified for H. 4061 on workers’ compensation premium fraud, describing the bill as a transparency measure to combat fraud in construction by creating a public certificate-of-insurance database and QR-code verification system. Joe Bright of the carpenters’ union also supported H. 4061, citing fraud, misclassification, and the harm to injured workers. The hearing also included testimony on H. 4112, a bill to create a statewide fire suppression water resource fund and cistern program. Rep. Hogan and a Stowe fire chief described drought, brush fires, and the need for dedicated cisterns in communities without municipal water systems, saying the tanks provide reliable water for firefighting and are relatively low-tech once installed. Committee members asked questions about tank capacity, siting, maintenance, and funding. No votes or formal actions were taken during the hearing.