Video & Transcript : 'Overdraft Lending' :
Page 98 of 114
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, July 23, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- May his memory be a blessing, and may his actions inspire us all to lend a helping hand to other families
- inspire</c><02:08:54.000><c> us</c><02:08:54.239><c> all</c><02:08:54.719><c> to</c><02:08:55.040><c> lend
- </c><02:08:55.199><c> a</c><02:08:55.440><c> helping</c> actions inspire us all to lend a helping actions
- inspire us all to lend a helping hand<02:08:56.000><c> to</c><02:08:56.239><c> other</c><02:08:56.480
Keywords:
LaMonica McIver, censure, House of Representatives discipline, Homeland Security Committee, removal from committee, Newark, Delaney Hall, immigration detention facility, federal officers, assault on federal officer, resisting arrest, interfering with federal officers, ICE, Homeland Security Investigations, HSI, congressional ethics, House resolution, disciplinary resolution, 18 U.S.C. 111, immigration enforcement
NH
Transcript Highlights:
- over many years is that the more undergraduate college students who live together as a unit, that lends
- over many years is that the more undergraduate college students who live together as a unit, that lends
- over many years is that the more undergraduate college students who live together as a unit, that lends
- over many years is that the more undergraduate college students who live together as a unit, that lends
Committee:
House Housing
NH
New Hampshire 2025 Regular Session
Senate Health and Human Services (02/05/2025)
Health and Human Services
Transcript Highlights:
- I'm here to lend the support of those 430 businesses in New Hampshire and say to you: fix it.
- qualified healthc care so I'm here to a qualified healthc care so I'm here to uh<02:01:43.079><c> lend
- 43.400><c> the</c><02:01:43.599><c> support</c><02:01:44.040><c> of</c><02:01:44.280><c> those</c> uh lend
- the support of those uh lend the support of those 430<02:01:46.360><c> business</c><02:01:47.360><c>
Committee:
Senate Health and Human Services
NH
New Hampshire 2025 Regular Session
House Education Funding (01/30/2025)
Transcript Highlights:
- I think the way we have our school district meetings, whether they're annual or SB 2, it does not lend
- sb2</c><04:11:34.119><c> it</c><04:11:34.239><c> does</c><04:11:34.520><c> not</c><04:11:34.960><c> lend
- 04:11:35.359><c> well</c><04:11:35.640><c> to</c><04:11:35.920><c> adopting</c> or sb2 it does not lend
- well to adopting or sb2 it does not lend well to adopting this<04:11:36.520><c> kind</c><04:11:36.640
Summary:
The hearing focused on HB 563, which would revise the education funding formula for pupils receiving special education services by replacing the current single special education amount with three differentiated categories. Representative Rick Ladd, the prime sponsor, said the bill largely tracks a House-passed version from the prior session with minor figure adjustments, and explained that the proposal uses projected FY26 amounts for three categories based on time in general education versus more intensive placements. He also noted that the bill does not address catastrophic aid directly, but that special education aid, CAT aid, and proration all remain issues for later work sessions.
Ladd and supporters argued that weighted categories better reflect actual costs and are more sustainable than treating all IEPs the same. Representative Margaret Drye said the approach was one of the best ideas from the education funding subcommittee and urged the committee to support differentiated aid. Representative Ames asked how the category amounts were derived, and Ladd said Category A follows the FY26 base, Category B is a higher weight, and Category C is a still higher weight for more intensive services, though he acknowledged the exact multipliers were developed earlier and could be revisited. He also said the committee would continue discussing whether the weights are appropriate and how they interact with CAT aid.
Testimony from Bonnie Dunham strongly opposed the bill. She argued that funding based on placement rather than actual service need would create incentives to move students into more restrictive settings, could stigmatize children with labels such as "Category C," and would undermine the least restrictive environment requirements under federal special education law. She described her son’s experience in inclusive settings as beneficial and said the bill would have penalized the district for serving him there. In response to questions, she said schools and parents should base funding on the child’s actual needs and costs, not on placement, and urged the committee to recommend the bill inexpedient to legislate.
NH
Transcript Highlights:
- I think the intent there was to lend a sense of urgency to the clerk or the court to issue out something
- I think the intent there was to lend a sense of urgency to the clerk or the court to issue out something
- I think the intent there was to lend a sense of urgency to the clerk or the court to issue out something
Committee:
Senate Judiciary
NH
Transcript Highlights:
- So the idea was, and you know, overly broad here, but the idea was to lend some clarification, and that
- So the idea was, and you know, overly broad here, but the idea was to lend some clarification, and that
- So the idea was, and you know, overly broad here, but the idea was to lend some clarification, and that
NH
New Hampshire 2026 Regular Session
House Criminal Justice and Public Safety (02/13/2026)
Criminal Justice and Public Safety
Transcript Highlights:
- >> There's civil liability for people who lend their car to someone they know has a bad driving record
- say, pull over the white Ford, and that's how that goes. >> There is civil liability for people who lend
Committee:
House Criminal Justice and Public Safety
MN
Transcript Highlights:
- the Minnesota League of Minnesota Cities to express the gratitude of cities across the state and to lend
- the Minnesota League of Minnesota Cities to express the gratitude of cities across the state and to lend
Committee:
Senate Elections
NH
Transcript Highlights:
- but also importantly the lenders, be it the banks, the credit unions, the folks who are doing the lending
- 52:00.560><c> The</c> unions uh the folks who are doing The unions uh the folks who are doing The Lending
Committee:
Senate Transportation
MA
Massachusetts 2025-2026 Regular Session
Special Joint Committee on Initiative Petitions Jun 21st, 2026 at 01:00 pm
Transcript Highlights:
- driving our costs, and that is being driven by predatory lenders who figured out that if you want to lend
Summary:
The Special Joint Committee on Initiative Petitions held a public hearing on two proposed ballot initiatives: one to reduce the state personal income tax rate from 5% to 4% over three years, and another to revise the state’s tax collection cap/62F process so it would be based on prior-year collections plus wage growth and include surtax revenue. The committee chair and House co-chair outlined the hearing process, and the first witness was Doug Howgate of the Massachusetts Taxpayer Foundation, who testified as the committee’s subject-matter expert on both measures. He said the income tax proposal would lower taxes broadly but would reduce state revenue by about $5.4 billion when fully implemented, with an estimated $800 million hit in FY27, and he discussed possible effects on competitiveness, taxpayer savings, and public finances. On the 62F proposal, he said the revised cap would make refunds more likely, could have produced several large refunds in recent years, and would reduce stabilization fund deposits and constrain recovery after recessions.
Committee members questioned Howgate about competitiveness, outmigration, prior tax ballot measures, spending growth, MassHealth, and the interaction between the income tax and surtax. He emphasized that taxes are only one part of the state’s overall competitiveness and that housing, public services, and other factors also matter. He also noted that the surtax is constitutionally restricted but can still support ongoing spending choices. After his testimony, the committee moved to the proponents’ panel.
Proponents of both initiatives, including representatives from Taxpayers for an Affordable Massachusetts, the National Federation of Independent Business, Pioneer Institute, and the Mass Opportunity Alliance, argued that the measures would improve affordability, help retain residents and businesses, and support job growth. They cited polling support, outmigration, small-business reinvestment, and comparisons to lower-tax states such as North Carolina. Their economist, Rebecca Paxton, said her model showed smaller revenue losses than critics claim and projected that the revised revenue cap would not create additional annual revenue losses while producing more regular taxpayer refunds. Committee members pressed the panel on competitiveness, prior ballot initiative implementation, and whether the measures would actually address broader affordability pressures; the hearing ended with the committee continuing to take questions from the proponents.
ND
North Dakota 2026 1st Special Session
Advanced Nuclear Energy Committee Jun 16th, 2026 at 10:00 am
Advanced Nuclear Energy Committee
Transcript Highlights:
- Other systems that have a much higher proportion of, I'll call it, mid-level transmission voltages, lend
Committee:
Joint Advanced Nuclear Energy Committee
ND
North Dakota 2026 1st Special Session
Advanced Nuclear Energy Committee Jun 16th, 2026
Advanced Nuclear Energy Committee
Transcript Highlights:
- Other systems that have a much higher proportion of, I'll call it, mid-level transmission voltages, lend
Committee:
Joint Advanced Nuclear Energy Committee
Summary:
The committee met to review advanced nuclear energy issues in North Dakota, beginning with approval of the April 21, 2022 minutes. Nucleon presented an overview of the advanced reactor landscape, distinguishing light-water SMRs, advanced Gen 4 reactors, and microreactors. The presentation emphasized that light-water SMRs are the most near-term deployable and use familiar low-enriched uranium fuel, while many Gen 4 designs may require high-assay low-enriched uranium (HALU), which is not yet supported by a mature U.S. supply chain. Nucleon also noted that advanced reactors are being developed primarily for industrial heat applications, while microreactors are niche, higher-cost systems for remote or mission-critical uses. Committee members asked about fuel availability, safety, recycling, and whether large reactors such as AP-1000s were evaluated; the presenter said fuel development is proceeding in parallel but remains a bottleneck, and that siting and grid capacity often make SMRs more practical than gigawatt-scale plants in North Dakota.
Representatives from the National Association of State Energy Officials described how other states are supporting advanced nuclear through task forces, roadmaps, regional coordination, grants, tax incentives, workforce and supply-chain efforts, and pilot programs. They highlighted the Advanced Nuclear First Mover Initiative and said states are focusing on multi-state coordination, demand aggregation, regulatory coordination, waste management, workforce readiness, and community engagement. They also discussed affordability tools such as construction work in progress (CWIP), financing incentives, and consumer protections, citing examples from Kentucky, Texas, Virginia, Illinois, Missouri, Utah, Tennessee, and others. In response to questions, they explained that pilot programs often involve site-readiness and feasibility studies, and that the federal Nuclear Innovation Campus process is moving forward with multiple submissions while broader waste and recycling policy may require congressional action.
The Public Service Commission said it would likely have a major role in any North Dakota nuclear project through certificate-of-public-convenience-and-necessity review, siting, and rate regulation, but noted gaps in current law for small reactors, co-located facilities, NRC coordination, and long-term site stewardship. The commissioner said the commission has no authority over a private, self-contained reactor not connected to the grid. The Department of Environmental Quality explained that the state regulates radioactive materials under its agreement-state authority, but NRC retains primacy over fission reactors; DEQ would likely assist with emergency planning and could have a larger role if fusion reactors emerge. The Department of Emergency Services said it would serve as the lead off-site preparedness agency, requiring a dedicated radiological emergency preparedness program, training, drills, public outreach, and likely additional funding and staffing, with industry expected to bear much of the cost. The Department of Water Resources said North Dakota’s water laws and prior-appropriation system are adequate for nuclear siting, that the Missouri River is the best likely source, and that no statutory or budget changes are currently needed from a water perspective. The committee recessed for lunch after these agency presentations.
CA
Transcript Highlights:
- them out of their homes, force them from selling or acquiring new homes, force them from getting lending
Committee:
Senate Insurance
Summary:
The committee heard testimony on several insurance-related bills. SB 1209 by Senator Allen, sponsored by Insurance Commissioner Ricardo Lara, would give the Department of Insurance stronger enforcement tools when insurers fail to implement corrective actions identified in market conduct or financial examinations. Supporters said the bill would close gaps that allow repeated violations, improve solvency oversight, and protect policyholders; opponents argued CDI already has broad authority and raised concerns about duplicative penalties, due process, and the bill’s scope. Members discussed amendments to limit the bill to legal violations rather than recommendations, apply penalties per exam rather than per policy, and clarify accounting language. The committee voted to send SB 1209 to Appropriations, with the bill placed on call after a roll vote that included one no vote from Senator Niello.
The committee also considered SB 1301, which would require more detailed non-renewal notices for residential property insurance, give policyholders time and information to address correctable issues, and restrict certain non-renewal reasons such as claims below deductible or not covered by the policy. Support came from homeowners, fire survivors, and consumer groups who said notices are often vague and leave families unable to keep coverage; insurers opposed the bill, warning that California’s notice period is already among the longest in the country and that the bill could worsen availability and add burdensome reporting requirements. The author said he was willing to reduce the notice period from 180 days to about three months and work on a mitigation-based process. The committee passed the bill to Appropriations, with Senator Niello voting no and the item placed on call.
SB 1026 by Senator Gonzalez would tighten regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without a criminal conviction, adding conduct restrictions, and requiring continuous liability coverage and proper appointment notices. Supporters, including Commissioner Lara, said the bill addresses serious misconduct and loopholes that have led to unsafe conduct and weak oversight. Bail industry representatives and crime victims’ advocates opposed the measure, arguing that the required insurance coverage is unavailable or unlawful as written, that the bill would be hard to comply with, and that it could reduce the number of recovery agents and delay justice. The committee moved SB 1026 to Appropriations, with Senator Niello voting no and the bill placed on call.
The committee then heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would authorize the Attorney General to sue fossil fuel companies to recover costs tied to climate disasters and insurance losses, with supporters framing it as a way to shift some climate-related costs away from policyholders and taxpayers. The author said amendments would remove retroactivity and delay liability until 2032, while supporters from flood and wildfire survivor groups and climate organizations said the bill would help fund recovery and stabilize insurance costs. Opponents from industry and building trades argued the bill was legally vulnerable, would create a de facto tax or liability scheme, and could harm jobs, energy production, and affordability. Testimony on SB 982 was extensive, but the transcript ends before any committee vote or final action on that bill.
CA
California 2025-2026 Regular Session
Senate Insurance Committee Apr 22nd, 2026
Transcript Highlights:
- them out of their homes, force them from selling or acquiring new homes, force them from getting lending
Summary:
The committee heard three major insurance-related bills. SB 1209 by Senator Allen would give the Insurance Commissioner new authority to require insurers to implement corrective actions found in market conduct and financial exams, with penalties for failure to comply. Supporters, including Commissioner Ricardo Lara and his deputies, said current law leaves CDI without a direct way to compel remediation of repeated violations or obtain needed financial information, while opponents argued the bill expands CDI authority too far, could duplicate existing penalties, and should be limited to legal violations rather than recommendations. After discussion, members and the author agreed to narrow the bill through amendments, including tying it to legal violations, applying penalties per exam rather than per policy, and clarifying accounting language; the committee then passed the bill 5-1 to Appropriations, with one member on call.
SB 1301, also by Senator Allen, would reform residential property insurance non-renewals by requiring clearer written explanations, giving homeowners a chance to mitigate correctable issues, and prohibiting certain unfair non-renewal bases such as claims below deductible or claims not paid by the insurer. The author and supporters said Californians face unusually high non-renewal rates and often receive vague notices that make it hard to keep coverage, while opponents warned the bill’s original 180-day notice period and reporting requirements were too burdensome and could worsen availability. Senator Richardson said he would support the bill after the author agreed to reduce the notice period to about three months and continue working on a mitigation-based process; the committee then approved the bill 4-1, with one member on call.
The committee also considered SB 1026 by Senator Gonzalez, which would strengthen regulation of bail fugitive recovery agents by allowing CDI to suspend or revoke licenses without a criminal conviction, expanding prohibited conduct, and tightening insurance and appointment requirements. Supporters, including Commissioner Lara, said the 2022 licensing law left loopholes that allow misconduct to continue and that the bill would improve public safety and accountability. Opponents from the bail industry and crime victims groups argued the bill requires unavailable or impractical insurance coverage, including coverage for willful acts, and could reduce the number of recovery agents and delay justice. Members raised concerns about the insurance language and availability, and the author said the bill was still being worked on with opposition; the committee passed it 4-1, with one member on call.
Finally, the committee heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would let the Attorney General seek recovery from fossil fuel companies for climate-related costs affecting the Fair Plan and private policyholders. The author said Californians are paying rising insurance and disaster costs while fossil fuel companies that contributed to climate change are not, and witnesses from flood and wildfire communities and climate policy experts supported the bill as a way to fund recovery and resilience. Opponents, including business and labor representatives, argued the bill would impose broad liability, invite litigation, and harm jobs and energy affordability. The hearing included extensive testimony, but no vote was taken on SB 982 in the portion provided.
CA
Transcript Highlights:
- We think that having an independent voice also will lend itself to a much more beneficial position in
Committee:
House Education
CA
Transcript Highlights:
- Force them from getting lending. Okay.
Committee:
Senate Insurance
CA
California 2025-2026 Regular Session
Assembly Public Safety Committee Apr 7th, 2026
Transcript Highlights:
- been through something, and making a lot of good out of it and giving back to your community and lending
Summary:
The committee heard a large public safety agenda and began by announcing several bills off calendar and limiting testimony to two witnesses per side. The first major item was AB 2698, which would authorize local governments to create youth court diversion programs for first-time juvenile offenders. The author and supporters, including Bakersfield Police Department representatives and a student participant, described the program as restorative, record-clearing, and successful in Bakersfield. Opponents argued it was not true diversion because it occurs after adjudication, could widen system involvement, and should instead be replaced by pre-arrest community-based diversion. The bill was moved on a due pass motion to Appropriations, but remained on call with some members not voting. The committee also adopted a consent calendar of ten bills without opposition.
The committee then heard AB 1959, which would create a narrow exception allowing resentencing in adult court for certain violent juvenile offenders in a case arising from the Santana High School shooting. The author, San Diego County District Attorney Summer Stephan, and a survivor/city councilmember argued the bill would close a loophole that could lead to resentencing and early release despite parole denials. Several organizations registered opposition or opposed unless amended, but many noted they were reviewing the amended version. The bill was moved due pass as amended to Appropriations and remained on call. AB 1628, extending California’s safe surrender window for newborns from 72 hours to 30 days, drew broad support from the author, firefighters, medical and child welfare groups, and no opposition; it was moved due pass to Human Services and remained on call.
The committee also approved AB 1974, which authorizes law enforcement agencies to create voluntary temporary firearm storage programs. The author and supporters from San Francisco law enforcement, Giffords, and gun safety groups said the bill would expand safe storage options during crises and in custody disputes; there was no opposition, and it passed due pass as amended. AB 2297, requiring restitution in diversion cases, drew support from the author, district attorneys, and victims’ advocates, while opponents argued it was duplicative, could burden low-income participants, and might undermine diversion success. After discussion about restitution law and ability to pay, the bill passed due pass. Finally, AB 2438, which would require people sentenced to more than six years to serve in state prison rather than county jail, drew support from the author and Riverside County Sheriff Bianco, who said realignment had overcrowded county jails and strained resources. Opponents warned it could worsen state prison overcrowding and conflict with realignment’s purpose. The chair recommended no, and the bill was moved due pass and re-refer to Appropriations, remaining on call.
CA
Transcript Highlights:
- something, and taking that and making a lot of good out of it and giving back to your community and lending
Committee:
House Public Safety
NM
New Mexico 2025 Regular Session
IC - Legislative Health and Human Services Oct 9th, 2025
Legislative Health & Human Services Committee
Transcript Highlights:
- I would go on to become a student board member for Santa Fe Public Schools. lending my voice to represent
CA
California 2025-2026 Regular Session
Assembly Transportation Committee Jul 14th, 2025
Transcript Highlights:
- There have been studies done by the Consumers for Responsible Lending finding that Californians pay billions
Summary:
The committee first took up SB 712, which would expand California’s smog-check exemption for classic vehicles by adding model years 1976 through 1986 in phases, with a sunset in 2032. The author and supporters, including lowrider advocates and the Specialty Equipment Market Association, argued the bill would preserve car culture, support a small class of rarely driven collector vehicles, and reduce burdens on owners who struggle to find equipment for older smog tests. Opponents, including air district officials, the American Lung Association, and other environmental groups, warned the bill would weaken an important emissions-control program and increase pollution. After discussion, the committee adopted the motion to do pass as amended to Appropriations on a roll call vote of 10-0, with the roll held open for additional votes.
The committee then heard SB 800, which requires Caltrans, working with local governments, to assess mitigation measures for suicide prevention on locally owned overpasses crossing state highways. The bill was presented as a response to recent tragedies in Rancho Cucamonga and was supported by local officials, health organizations, and suicide-prevention advocates, who said the measure would help identify high-risk locations and lead to life-saving interventions. There was no registered opposition. The committee members expressed support, and SB 800 was passed to Appropriations on a unanimous roll call vote, with the roll held open.
Next, the committee considered SB 30, which would prohibit California public entities from selling, donating, or transferring decommissioned diesel locomotives and railroad equipment with Tier 1 or older engines unless the engine is removed, while allowing Tier 2 and newer transfers under certain conditions. The author and supporters framed the bill as a climate and public-health measure to prevent older, dirtier locomotives from continuing to pollute elsewhere, while transit agencies opposed it, arguing it could limit useful transfers of equipment that still supports passenger service and could be better handled through case-by-case air-quality review. After debate, the committee voted 6-4 to pass SB 30 as amended to Appropriations, with the roll held open for later additions. The committee also heard SB 791, which replaces the flat dealer document processing charge cap with a 1% fee capped at $350, along with new disclosure requirements. Dealers and industry groups supported the bill as a way to recover costs and improve transparency, while consumer advocates opposed it as an unjustified increase that would burden buyers. The committee approved SB 791 on a 8-? roll call vote and held the roll open. The meeting then moved on to SB 34, a port-air-quality bill presented by Senator Richardson, but the transcript ends during testimony and debate on that measure.