Video & Transcript : 'nonpecuniary factors' :
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MO
Missouri 2026 Regular Session
Financial Institutions Jan 14th, 2026 at 12:00 pm
Financial Institutions
Transcript Highlights:
- recorder of deeds and the banks on some solution to mandate proactive owner notification systems, multi-factor
- To the question about, you know, multi-factor Or catching any fraud.
- To the question about, you know, multi-factor authentication or cross-referencing property records, I'm
Committee:
House Financial Institutions
FL
Florida 2026 4th Special Session
January 14, 2026 - 10:30 AM
Transcript Highlights:
- You say the commission is going to be the deciding factor. >> Thank you, Mr.
- of started in and prove no operations during the breeding season there a second or if you double factors
- . 550-2625, specifically says the per structure and availability of breeders awards are important factors
FL
Transcript Highlights:
- When you get into the more complex commercial losses with multi-buildings, there are factors that are
- The report must include, among other information, the percentage breakdown of each cost factor making
- The report must include, among other information, the percentage breakdown of each cost factor making
Committee:
Senate Banking and Insurance
Keywords:
public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance
Summary:
The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably.
The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written.
Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.
FL
Florida 2026 5th Special Session
Environment and Natural Resources Oct 7th, 2025
Transcript Highlights:
- determine what that may be, and that harm is the predominant cause, meaning there could be a lot of other factors
- is it gives them a little more wiggle room to work with, because there could be a number of other factors
- So they evaluate all of these factors and not just look at it from a standpoint of vessel activity.
Summary:
The Senate Environment and Natural Resources Committee first took up the appointment of Joshua Kellum to the Fish and Wildlife Conservation Commission (FWC). Kellum described his background in diversified land, agricultural, materials, and real estate operations and said he views himself as a conservationist. Senators questioned him closely about his development background, the balance of perspectives on the commission, his vote supporting the black bear hunt, and the use of Fish and Wildlife Foundation funds for the “Yes on 2” campaign. Supporters argued he is primarily a land steward and conservation-minded landowner, while opponents said the commission is already dominated by developers and lacks scientific or conservation expertise. After debate, the committee voted to recommend Kellum’s confirmation, with Senator Smith voting no and the rest of the voting members in favor.
The committee then received a presentation from FWC on implementation of recently enacted boating and vessel laws. Bill Holcomb outlined changes under SB 1388 (the Boater Freedom Act), including limits on vessel stops and boarding, a new Florida Freedom Boater Safety Inspection decal, and revised rules for Springs Protection Zones. He also reviewed SB 164 on derelict and at-risk vessels, including new enforcement tools, a long-term anchoring permit, and updated penalties; HB 289, Lucy’s Law, which strengthens boating safety penalties and education requirements; SB 830 on the disposition of migrant vessels; and HB 735 on water access facilities and boating infrastructure. Holcomb said FWC is in rulemaking, training officers, and updating forms and permitting systems to implement the laws.
Members asked follow-up questions about derelict vessel cost recovery and whether penalties go back to the state, and about the Springs Protection Zone standard. Holcomb said the state can recover removal costs from responsible owners and that the new springs standard requires “significant harm” and that vessel activity be the predominant cause, with subject matter experts and partner agencies helping make those determinations. He said Silver Glen Springs remains a proposed zone but was paused pending the new criteria and rulemaking. The committee took no further action on the presentation and adjourned after completing the agenda.
NV
Transcript Highlights:
- So now those are also factored in.
- So it all depends on all those factors, and so that determination of what the cost of their education
- Assembly Member Watts was indicating, but that also, particularly at the community colleges, is factored
Committee:
Senate Education
TX
Transcript Highlights:
- That's often a limiting factor on being able to seek high returns.
- Staff could we need tomorrow, and that is one consideration as the limiting factor of how much illiquid
- You're also not factoring in risk premiums and other things.
Committee:
House Appropriations
Keywords:
Texas Future Fund, investment review board, economic stabilization, innovative technology, national defense, HB 2054, Texas volunteer fire department assistance fund, Rural Volunteer Fire Department Assistance Program, volunteer fire departments, wildfire mitigation, wildland fire, rural fire protection, insurer assessment, insurance premium tax, state appropriations, firefighting grants, emergency services, high-risk wildfire areas, Texas Comptroller, Texas Government Code
TX
Texas 89th Regular
Trade, Workforce & Economic Development Apr 2nd, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- The other huge problem with this bill is that it is not factoring in regional differences.
- There are several factors to this.
- The bill takes into account none of these factors.
Bills:
HB 112 , HB199 , HB621 , HB1349 , HB2214 , HB3466 , HB3698 , HB3699 , HCR9 , HB112 , HB199 , HCR9
Keywords:
science park district, economic development, technology innovation, higher education collaboration, infrastructure development, Texas Economic Development Office, workforce development, unemployment benefits, state average unemployment rate, benefit year, economic support, Texas Workforce Commission, property owners' association, free speech, assembly rights, government officials, political candidates, floodplain, landlord, tenant
AL
Alabama 2025 Regular Session
Alabama House Boards, Agencies and Commissions Committee Apr 2nd, 2025
Boards, Agencies and Commissions
Transcript Highlights:
- There's a number of factors that we look at to determine whether it's navigable and whether or not it's
- a public waterway, but one of the most... ...public waterway, but one of the most decisive factors for
- Virtually impossible—I mean, it's a trust factor in allowing that.
Committee:
House Boards, Agencies and Commissions
FL
Florida 2026 Regular Session
Appropriations Committee on Agriculture, Environment, and General Government Mar 26th, 2025
Appropriations Committee on Agriculture, Environment, and General Government
Transcript Highlights:
- So if I'm an insurer and I'm worried about environmental factors like flooding and hurricanes, am I prohibited
- under that from using that as a factor to refuse to insure agricultural crops?
- Senator Truenow, are you prohibited under that from using that as a factor to refuse to insure agricultural
Summary:
The Appropriations Committee on Agriculture, Environment, and General Government heard a presentation on its 2025-2026 budget recommendations and adopted the proposal as a recommendation to the full Senate Appropriations Committee. The chair highlighted major funding items including more than $1.2 billion for water quality and Everglades work, citrus recovery, food bank and pantry grants, wastewater and drinking water loans, beach restoration, flood and sea level rise projects, rural land protection, disaster loans, state facilities repairs, SLERS, accounting system replacement, and continued funding for My Safe Florida Home. Staff were authorized to make technical adjustments, and members were told final proviso project lists would be printed later in the week.
The committee then considered several bills and reported them favorably, including SB 796 on DEP general permits for distributed wastewater treatment systems to help local governments address failing septic-related water quality problems; SB 1162 expanding boating improvement and water access facilities programs; SB 466 implementing the Florida Museum of Black History task force’s selection of West Augustine as the museum site; SB 178 creating a FAMU agronomic study on viable crops for land taken out of production; CS/SB 678 allowing pawnbroker transaction forms to be printed or digital; and CS/SB 736 updating the Brownfields program, with a technical amendment adopted. Testimony on these bills was generally supportive, with speakers from affected industries, local governments, and advocacy groups.
The committee also took up CS/CS/SB 700, the comprehensive Florida Farm Bill, which included technical agency changes and major policy provisions such as restrictions on additives to public water supplies, labeling requirements for meat, milk, poultry, and eggs, drone-related protections for farmland, disaster recovery loan updates, an honest services registry for charities, FFA scholarship and school infrastructure provisions, and a mechanism for state purchase of former solar-converted agricultural land. The water-additive provisions drew extensive debate and testimony from supporters and opponents, including dental professionals, public health advocates, and groups arguing for medical freedom and local control. Despite the controversy and a no vote from Senator Arrington, the bill was reported favorably. Finally, SB 1226 creating a regulatory framework for pet insurance was also reported favorably, and the committee adjourned after members recorded additional votes on several bills.
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Feb 18th, 2025
Business & Commerce
Transcript Highlights:
- is pushing TDI out of anything that relates to the extent of an entity's harm from climate-related factors
- similar concerns about limitations on considering the entity's exposure to harm from climate-related factors
- extensive work underway on climate risk, race and insurance, corporate governance, and other related factors
Committee:
Senate Business & Commerce
Keywords:
emergency alerts, weather alerts, public safety, local government, municipality, county, website posting, online notice, emergency management, disaster preparedness, evacuation, National Weather Service, NOAA, Texas Division of Emergency Management, TDEM, localized alerts, hazard warnings, severe weather, watch warning advisory, public information
AL
Transcript Highlights:
- As we move through, we'll be setting priorities based on several factors.
- type of calendar will be a rarity where we're put into a little bit of a time crunch due to other factors
- So there's a lot of factors that lead into us doing three-day weeks to get the process going.
AL
Alabama 2025 Regular Session
Alabama Joint Legislative Budget Hearings Feb 5th, 2025
Transcript Highlights:
- The end of the year was $759 million after reversions were factored into that.
- As we see the fourth-grade NAEP scores, there are a lot of factors that have contributed to this.
- There are a lot of factors that have contributed, including hard work over the past and recent years.
FL
Florida 2025 Regular Session
Agriculture Feb 4th, 2025
Transcript Highlights:
- Another factor that we looked at, whether or not and whether their contracts with the Florida Department
- look at the findings and we cried to group these, as we mentioned earlier, no adverse of rural had a factor
- the districts with something that we have noted in the reports, mainly because there are several factors
NM
New Mexico 2025 Regular Session
House - Agriculture, Acequias And Water Resources Jan 28th, 2025
House Agriculture, Acequias And Water Resources
Transcript Highlights:
- going to be instances where districts have to do shortage sharing or manage their supply based on factors
- And then there are two factors. Thank you. Good morning, Madam Chair, members of the committee.
- Considering health and environmental factors is crucial to protecting the climate, water, and future
MN
Minnesota 2025-2026 Regular Session
Committee on Health and Human Services - Part 1 - 03/24/26
Health and Human Services
Transcript Highlights:
- :37:30.000><c> and</c><00:37:30.200><c> underlying</c><00:37:30.760><c> risk</c><00:37:31.040><c> factors
- </c><00:37:31.480><c> that</c> access and underlying risk factors that access and underlying risk factors
- We need rigorous, Minnesota-specific research to understand risk factors, effective interventions, and
- But they're not, but half the crimes are or the deaths are attributed to that factor.
- </c> deaths are attributed to that factor. deaths are attributed to that factor.
Committee:
Senate Health and Human Services
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/3/26
Commerce Finance and Policy
Transcript Highlights:
- In our investigations with appraisers, we used the factors in Minnesota Statutes 14.045, subdivision
- matrix, the matrix also lists aggravating factors that apply to investigations.
- matrix, the matrix also lists aggravating factors that apply to investigations.
- matrix, the matrix also lists aggravating factors that apply to investigations.
- matrix, the matrix also lists aggravating factors that apply to investigations.
Committee:
House Commerce Finance and Policy
Keywords:
bulk fuel, nonoxygenated gasoline, environment, exemption criteria, transportation, HF2236, Minnesota commerce, obsolete language, statutory cleanup, retail installment contract, consumer credit, vehicle financing, auto loans, retail buyer, retail seller, delinquency charge, collection fee, attorney fees, assignment notice, payment receipt
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Feb 3, 2026 @ 2:00PM HST
Consumer Protection & Commerce
Transcript Highlights:
- It is a factor, but it’s the ABV plus the raw material of the producer.
- It is a factor, but it’s the ABV plus the raw material of the producer.
- The cost factor is not where we want to go.
- Um, so I guess there's multiple factors.
- The contractor there's multiple factors.
Committee:
House Consumer Protection & Commerce
Keywords:
liquor tax, alcohol, inflation adjustment, small craft breweries, public health, tenant rights, housing stability, landlord-tenant code, eviction prevention, multilingual resources, condominium, dispute resolution, mediation, arbitration, attorneys' fees, common expenses, construction defects, building code, statute of repose, statute of limitations
Summary:
The committee heard testimony on HB 1991, which would change Hawaii’s liquor excise tax structure to an ABV-based system. The Department of Taxation and the Tax Foundation of Hawaii took no position and stood on written comments. Supporters, including the Hawaii Public Health Institute and an individual testifier who described surviving a drunk-driving crash, argued that higher alcohol taxes reduce alcohol-related harms, save lives, and generate additional state revenue. The public health witness cited alcohol-related harms as a major preventable cause of death and said the tax increase would have only a small annual cost for most consumers.
Most industry testimony was in opposition. Representatives of Lanikai Brewing Company, Maui Brewing Company, the Wine Institute, and the Hawaii Food Industry Association said the bill would sharply raise taxes on beer and wine, squeeze already thin margins, and threaten local jobs and businesses. They argued Hawaii producers already face high costs for labor, energy, shipping, and compliance, and said an ABV-based tax would be difficult to administer, would require additional testing and labeling work, and could reduce consumer choice. Several industry witnesses urged lawmakers to instead adopt a small-producer or class 18 carveout, with one suggesting a cap tied to 60,000 barrels.
Committee members questioned the brewers about alcohol content testing, labeling, and whether smaller producers already measure ABV. Witnesses said many local producers do not certify ABV for in-state sales, that yeast and fermentation can vary by batch, and that an ABV-based system could require more testing than current practice. No vote or final action on the bill was taken during the portion of the meeting provided.
KY
Kentucky 2025 Regular Session
Air Mobility & Aviation Economic Development Task Force (10-14-25)
Transcript Highlights:
- But there are other factors that went into choosing here.
- We talk about a very temperate climate, available airspace, and then one of the factors that drove us
- But, there There other<01:09:00.600><c> factors</c><01:09:01.440><c> that</c><01:09:01.560><c> went</
- c><01:09:01.720><c> into</c><01:09:01.920><c> choosing</c> other factors that went into choosing other
- factors that went into choosing here.<01:09:02.480><c> We</c><01:09:02.600><c> talk</c><01:09:02.839
Summary:
The task force met on October 14, confirmed a quorum, and adopted the September 16, 2025 minutes. Members then received a Kentucky Air National Guard 101 briefing from Brigadier General Bruce Bancroft, commander of the Kentucky Air National Guard, who described the Guard’s structure, missions, and statewide role. He emphasized that Kentucky is a single-wing state centered at Louisville’s 123rd Airlift Wing and highlighted several unique capabilities, including the Contingency Response Group, critical care air transport teams, medical detachment for chemical environments, explosive ordnance disposal, fatality search and recovery, and special tactics personnel.
General Bancroft also discussed staffing and readiness, saying the Guard has 1,273 authorized positions, with a mix of AGR, Title 32, and Title 5 personnel. He noted that AGR positions are funded at about 96 percent, while technician positions are funded at about 53 percent, leaving the organization to operate at roughly 75 percent of authorized manpower overall. He said the wing converted from the C-130H to the C-130J in 2021 and completed the transition in about 2.5 years, ahead of the original three-year timeline.
The briefing further covered the Guard’s operational tempo and community role. Bancroft said the unit has earned 21 Air Force Outstanding Unit Awards, has deployed about 500,000 days since 9/11 across 45 countries, and routinely supports federal and domestic missions. He described the C-130J’s tactical airlift, airdrop, and blacked-out operations as directly useful for disaster response in Kentucky, and he pointed to strong ties with UPS and other aviation employers. No votes or formal actions were taken beyond approval of the prior minutes.
TX
Transcript Highlights:
- Or when you factor in that mortality likelihood, is it just all the environment?
- Men are attributable to THC, making it the number one environmental risk factor for this devastating
- We didn't have the data on heart attacks, strokes, and the risk factor for dementia, which we've seen
- Alcohol sales are down in Texas, and this could be a contributing factor to that.
- That factor is not in play with the other two aspects, right?
Committee:
Senate State Affairs
Keywords:
hemp regulation, consumable products, cannabinoids, occupational licenses, criminal offenses, SB 11, Texas attorney general, election crimes, election law enforcement, criminal prosecution, Election Code, Government Code Chapter 402, local prosecutors, county attorney, district attorney, grand jury, probable cause reports, state election offenses, voter fraud, election integrity
TX
Transcript Highlights:
- This is an opportunity for those who have changed to hear the evidence of why these youthful factors
- But this bill as... ...housing based on several factors, including national origin.
- . ...based on religion, based on national origin, based on many other factors, access to financing the
- So I would please ask you to consider those factors.
- So I would please ask you to consider those factors.
Summary:
The House convened with a quorum, offered an invocation and pledges, and received several announcements and recognitions before moving to legislation. Members honored the UTRGV chess team for winning a share of the 2025 President’s Cup, educator Jessica Lopez, the late Jennifer Maddenly, Jeanette Valdez Duran and Mobile Blessings from the Heart, TAMAC’s 50th anniversary, and journalist Bernardine Steptoe’s retirement. The chamber also adopted motions allowing committees to meet, setting a local and consent calendar, and suspending posting rules for a Public Health hearing on SB 2721.
The House then considered a long series of Senate and House bills on third reading, with many passing by wide margins. Measures included SB 906 on Ysleta del Sur Pueblo peace officers; SB 1229 designating Veterans Memorial Highway; SB 855 on foster care medical costs; SB 703 on massage therapy licensing and trafficking protections; SB 1025 on tax-increase ballot language; SB 1119 on water park liability; SB 1080 on provisional occupational licenses for people with criminal convictions; SB 929 on lien deadlines; SB 1355 on liquor sales credit disputes; SB 2231 on fee waivers for college applications; SB 1877 on Public Utility Commission data access; SB 1998 on pediatric preceptorships; and several House bills on topics such as bond forfeiture notice, health workforce planning, civil commitment counsel, expunction of contempt records, consumer transactions, nuisance birds, theft venue, military grant applications, AI cancer-detection grants, cybersecurity contract language, military-related tuition, utility recovery mechanisms, psychedelic therapy studies, teacher retirement funding transparency, election procedures, juvenile parole eligibility, and more.
Some bills drew notable debate or amendments. HB 200, creating a “second look” parole process for certain juvenile offenders after 20 years, prompted extended discussion about serious offenses and juvenile rehabilitation before passing 102-4. HB 2298 on AI-assisted cancer detection passed 85-62 after the sponsor emphasized “augmented intelligence” and physician oversight. HB 5247 on utility capital recovery saw a failed amendment to require ratepayer credits, then passed. HB 3045, a franchise tax exemption for spaceport operators, initially failed 73-74 but later passed after verification showed a 70-69 result. SB 2420, regulating app stores and mobile software distribution, was postponed for later consideration after substantial debate over age verification responsibilities. Several other measures were postponed, including SB 888, SB 552, SB 17, and SB 2420, while HB 1128 on election judges carrying concealed handguns passed 85-57 after a withdrawn point of order.