Video & Transcript Research : '7A loan program'

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US
Transcript Highlights:
  • Nearly two years ago, we met to discuss the reckless new rules for the 7A loan program.
  • loan program.
  • loan program.
  • And how do these differences affect the loan performance in the 7A loan program?
  • And the 7A loan program is healthy. Ninety-nine percent of loans are healthy.
Summary: The committee meeting focused on discussions regarding the SBA's 7A loan program and its implementation challenges. Members raised significant concerns about recent changes to the underwriting standards, which have been criticized for leading to an increase in loan defaults. Ranking members expressed a desire for a return to stronger guidelines to protect taxpayers and ensure the program remains a viable source for small businesses struggling to secure funding. Testimonies from community lenders highlighted their efforts to support underserved communities and stressed the importance of the Community Advantage Program.
ND

North Dakota 2026 1st Special Session

Joint Appropriations Jan 21st, 2026 at 12:30 pm

Appropriations

Transcript Highlights:
  • loan fund.
  • But that is in a revolving loan, you know, that program is, so is the language disappearing after this
  • It isn't an operating loan program.
  • I am here in support of Senate Bill 2403 relating to the medical facility emergency operating loan program
  • under the Medical...” “...relating to the Medical Facility Emergency Operating Loan Program under the
Bills: HB1623
Summary: The committee first heard House Bill 1624, the “Universal Lunch Bill,” from Rep. Mike Nathie. He argued the proposal should be placed in Century Code rather than the Constitution so future legislatures can adjust it if state finances tighten, and said the bill would start the program a year earlier with a $65 million appropriation for one school year. DPI testified that the estimate did not include nonpublic schools that do not participate, and members questioned the impact on Title I, free-and-reduced applications, private-school accountability, breakfast mandates for schools that do not currently serve breakfast, and whether the funding could come from the DPI budget or other sources. Supporters, including North Dakota United, the North Dakota Catholic Conference, a pediatrician, and the American Heart Association, said universal meals improve student health and learning, reduce family costs, and are better handled in statute than by constitutional amendment. No opposition testimony was offered, and the chair closed the hearing for later work-session action. The committee then took up House Bill 1627, introduced by Rep. Tye Dressler, which would raise the income threshold for the state-funded school lunch program from 225% to 300% of poverty, with an estimated cost of about $7 million for 2026-27. Dressler said the bill is intended as a targeted, budget-friendly alternative to the ballot measure and emphasized that the state should maximize federal meal dollars while improving participation in the current program. Members questioned whether raising the threshold would actually increase utilization, whether a dollar amount would be clearer than a percentage, and how the change would affect federal reimbursements and application rates. DPI said it could quickly calculate additional percentage levels, and the chair closed the hearing, directing DPI to prepare more numbers for the work session. Finally, the committee opened Senate Bill 2403, presented by Sen. Schiable, to create a short-term bridge-loan program for financially distressed hospitals, centered on Jacobson Memorial Hospital in Elgin. The bill would authorize up to $5 million per loan, with a $10 million appropriation available on a first-come, first-served basis, and would run only through June 30, 2027. Schiable said the hospital’s debt and operating problems threaten local health care, ambulance service, and the community’s economy, and that the proposal was designed narrowly with Bank of North Dakota review to avoid creating a broad precedent. Committee members asked whether the appropriation could be reduced and whether the bank would still apply commercial feasibility and repayment standards; Schiable said yes, the bank would still evaluate the loan and could reject it if it was not sound.
ND

North Dakota 2026 1st Special Session

Joint Appropriations Jan 21st, 2026 at 10:30 am

Appropriations

Transcript Highlights:
  • year of that program.
  • year of that program.
  • And this is the first year of that program. So with that, Mr.
  • And to have programs then that takes me to Make North Dakota Healthy Again, to have actual programs in
  • We can’t afford more loans. I can tell you that we cannot afford more loans.
Bills: HB1623
Summary: The committee heard House Bill 1623, the appropriations bill tied to North Dakota’s Rural Health Transformation Program, which is funded through a new federal rural health care grant. Senator Bekkedahl explained the bill’s background, the interim committee process that developed it, and the federal conditions attached to the award, including spending deadlines, administrative cost limits, and restrictions on uses such as new construction, supplanting existing funding, and certain other costs. Legislative staff then walked through the seven sections of the bill, including appropriation authority, transfer authority, contingent appropriations for pass-through grants, procurement and public improvement exemptions, recipient reporting, legislative reporting, and immediate effective date. Commissioner Traynor and HHS staff described how the department plans to implement the program, emphasizing that the funding is intended to improve rural access, workforce recruitment and retention, technology and data connectivity, and community health initiatives. They said the department will rely on local applications, technical assistance, templates, listening sessions, and partnerships with providers, schools, public health units, tribal entities, and other community groups. Members asked about reimbursement timing, upfront costs, administrative expenses, sustainability after the five-year grant period, and whether CTE centers, public health units, gyms, grocery stores, and other community partners could participate; the department said yes, within program rules and with a focus on measurable outcomes and sustainability. Several supporters testified in favor. Mental Health America of North Dakota and the Mental Health Advocacy Network supported the bill and urged investment in community-based mental health, crisis response, children’s services, peer support, and mobile crisis teams. HIA Health described the grant as a chance to expand home-based and hospice care, noting that rural providers already have workable models but need funding to scale them. A cybersecurity representative also supported the bill, warning that the large amount of health data and AI-related tools will require strong data protection and professional support. The hearing was closed with no opposition testimony, and the committee announced it would return later in the day for further work on the bill and other measures.
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 4/8/26

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • director of child care programs. director of child care programs.
  • loans would only deepen this crisis. loans would only deepen this crisis.
  • creating a new program? creating a new program?
  • How do you ensure a new program program program when<01:14:40.280> we<01:14:40.400> can't
  • Further, program.
Bills: HF4477
ND

North Dakota 2026 1st Special Session

Senate Floor Session Jan 23rd, 2026 at 08:30 am

North Dakota Senate Floor Meeting

Transcript Highlights:
  • Program Interim Committee.
  • To provide an appropriation to the Bank of North Dakota to administer a loan program, to provide a transfer
  • program under the medical facility infrastructure loan fund, to provide an exemption, to provide for
  • So the program came to us, the federal government of... So the program came to us.
  • Sections 3, 4, and 7 were amended into the bill to provide a loan program through the Bank of North Dakota
Summary: The Senate convened with prayer, roll call, and a quorum present, then took up second reading and final passage of several House bills related to the Rural Health Transformation Program and other matters. House Bill 1621, requiring the presidential fitness test in school physical education with exceptions and a delayed effective date, passed 43-3. House Bill 1623, appropriating federal rural health transformation grant funds and creating a related loan program and reporting structure, passed 46-0 after extensive debate about using the federal money for community health, infrastructure, and sustainability. House Bill 1622, joining the physician assistant licensure compact, also passed unanimously 46-0. House Bill 1625, authorizing the Ray Richards Golf Course land sale to support a Grand Forks transportation project and golf course improvements, passed 46-0. House Bill 1626, clarifying that the primary residence credit is applied after the early payment discount so taxpayers receive the full $1,600 benefit, passed 40-6.
ND

North Dakota 2026 1st Special Session

Senate Floor Session Jan 22nd, 2026 at 08:30 am

North Dakota Senate Floor Meeting

Transcript Highlights:
  • program under the medical facility infrastructure loan fund; to provide an appropriation; to provide
  • Dakota looks to amend the current medical facility infrastructure loan program rather than create a
  • new loan program.
  • Subsection 3 ...a new loan program. The bill draft we have is just that.
  • Now, this amount that would be loaned out is now part of that medical facility infrastructure loan.
Summary: The Senate convened with prayer, the Pledge of Allegiance, and a quorum present. It adopted the procedural employment committee report naming Senate staff for the special session. The chamber then took up several health-care and appropriations measures, first adopting amendments to Senate Bills 2401, 2402, and 2403 before moving them to final passage. Senate Bill 2401 passed 44-2 and requires physicians to complete at least one hour of continuing education in nutrition and metabolic health, part of a broader rural health care package. Senate Bill 2402 passed 46-0 after major amendments negotiated between the medical and pharmacy boards; as amended, it expands pharmacists’ prescriptive authority and therapeutic substitution in limited areas while excluding categories such as antidepressants, antipsychotics, chemotherapy agents, Schedule II drugs, biological products, and narrow therapeutic index drugs. Supporters said it would improve rural access and help secure rural health transformation funding, while questions focused on how pharmacist competence would be measured and enforced. Senate Bill 2403, also passed 46-0, creates a short-term medical facility emergency operating loan program through the Bank of North Dakota, reduced by amendment from $10 million to $5 million, to help a financially distressed rural hospital. Senators discussed the hospital’s mismanagement, the need for a bridge loan, and safeguards including a limited application window and expiration in 2027. Senate Bill 2404 passed 46-0 and provides supplemental appropriations to the Information Technology Department for ADA-related website accessibility compliance and to the Public Service Commission for additional legal costs in federal energy-rate litigation. The Senate then made announcements about a Highway Patrol safety presentation and filing deadlines, excused an absent member, and adjourned until the next morning.
ND

North Dakota 2026 1st Special Session

Senate Floor Session Jan 21st, 2026 at 08:30 am

North Dakota Senate Floor Meeting

Transcript Highlights:
  • the Legislative Assembly is convened to act on funding related to the Rural Health Transformation Program
  • ensure North Dakota can swiftly accept and appropriate the federal funding to implement this vital program
Summary: The Senate convened in special session with prayer, the Pledge of Allegiance, and roll call establishing a quorum of 45 members present and two absent. The chamber received certification from the Secretary of State and the governor’s executive order calling the special session to address funding for the Rural Health Transformation Program and to act quickly to accept and appropriate federal funds. The main action was adoption of the procedural rules for the extraordinary session. Senator Klein explained the proposed rule changes, which were designed to speed up consideration of bills during the short session, including limits on bill introduction, same-day second reading and final passage, elimination of standing committees for the session, creation of a Joint Policy Committee and Joint Appropriations Committee, and authorization for remote testimony and limited remote participation. The procedural committee’s report on these rules was adopted without opposition. The Senate also adopted reports naming members to the Joint Policy Committee and Joint Appropriations Committee. Announcements noted that the Senate Employment Committee, Joint Policy Committee, and Joint Appropriations Committee would meet later that morning, that the Senate would not reconvene at 4 p.m., and that a Highway Patrol presentation on legislator safety would be held. The Senate then moved through the listed orders of business and recessed, planning to meet in joint session with the House before adjourning until Thursday, January 22, 2026.
ND

North Dakota 2026 1st Special Session

House Floor Session Jan 23rd, 2026 at 09:00 am

North Dakota House Floor Meeting

Transcript Highlights:
  • program under the Medical Facility Infrastructure Loan Fund, to provide an appropriation, to provide
  • Rather than creating a new program, we're proposing that this bridge loan would amend the existing medical
  • facilities infrastructure loan program as recommended by the Bank of North Dakota.
  • Anyway, the 340B program.
  • Anyway, the 340B program. Anyway, the 340B program is an important aspect of this.
Summary: The North Dakota House convened in special session with prayer, roll call, and a quorum present, then took up several rural health-related bills. Senate Bill 2401, as amended, required physicians to complete one hour of continuing education in nutrition and metabolic health each renewal cycle and also added language allowing criminal history background checks for the Board of Occupational Therapy Practice. Supporters emphasized the role of nutrition in reducing chronic disease, and the bill passed 92-0. The House then considered Senate Bill 2402, which expanded pharmacists’ limited prescriptive and therapeutic substitution authority for certain low-acuity conditions and clarified related lab-test and communication requirements. Members discussed examples such as motion sickness, cold sores, lice, hypoglycemia, COVID and flu testing, emergency access to medications and supplies, and limits excluding certain drug classes; the bill passed 91-1. Senate Bill 2403 created a temporary medical facility emergency operating loan option through the Bank of North Dakota for qualifying rural hospitals facing severe financial distress, with extensive debate over the targeted nature of the aid, anti-gifting concerns, repayment terms, and the hospital’s turnaround plan; it passed 80-12. Senate Bill 2404 appropriated funds for NDIT to address federal digital accessibility requirements and for the Public Service Commission’s litigation efforts related to transmission costs, with a backup loan authorization available if needed; it passed 92-0. At the close of the session, leaders thanked members and staff for their work on the rural health transformation package, a committee notified the Governor and the Senate that the House had completed its business, absent members were excused, and the House adjourned sine die.
ND

North Dakota 2026 1st Special Session

House Floor Session Jan 21st, 2026 at 08:30 am

North Dakota House Floor Meeting

Transcript Highlights:
  • the Legislative Assembly is convened to act on funding related to the Rural Health Transformation Program
  • Act on funding related to the Rural Health Transformation Program.
  • ensure North Dakota can swiftly accept and appropriate the federal funding to implement this vital program
Summary: The North Dakota House convened in special session with prayer, the Pledge of Allegiance, and the reading of communications from the Secretary of State and Governor Kelly Armstrong certifying the special session call. The governor’s executive order said the session was called to act on funding for the Rural Health Transformation Program so the state could accept and appropriate federal funds and avoid interruptions to government services. Three new members, Representatives McNally, Scraw, and Timmons, were sworn in, and the roll showed 91 members present, establishing a quorum. The main business was a Rules Committee report outlining temporary special-session rules. The changes were designed to speed up floor action, including allowing second reading the same day a bill is reported from committee, final passage one day after first reading, and immediate transmission to the other chamber unless reconsideration is noticed. The report also replaced the regular standing committee structure with two joint committees: Joint Appropriations and Joint Policy, allowed remote testimony and remote member participation with approval, and limited bill introduction to Legislative Management-approved bills or bills approved by a two-thirds vote. Several deadline changes for resolutions and bill filing were also described, with some provisions delayed until the special session ends. The House adopted the Rules Committee report after a motion by Representative Bosch and no opposition. During announcements, the clerk listed the membership of the Joint Appropriations and Joint Policy committees, and the Highway Patrol announced safety sessions for legislators in the Rough Rider Room at 11 a.m. that day and the next day. The House then recessed until the joint session scheduled for 10 a.m. the following day.
ND

North Dakota 2025-2026 Regular Session

Senate Appropriations - Human Resources Division Apr 15th, 2025 at 09:00 am

Appropriations - Human Resources Division

Transcript Highlights:
  • back and reconsider and approve those. ...and if they do, then the federal money would pay off the loan
  • What's the word if they pay off the loan?
  • But anyway, so they would pay off that loan, and if not, then the state would, and we would have taken
  • up next session and see if we can, we would pay that loan off.
  • Because one of the concerns is starting a grant program, you know, starting a grant program because we
Bills: HB1012
Summary: The Senate Appropriations Human Services Division met to consider House Bill 1012, the Department of Human Services budget, and reviewed three previously made amendments: correcting a reference to $30 million underfunding, changing “human service centers” to “behavioral health clinics,” and revising section 31 language so the department would review medical assistance services and report findings and recommendations rather than directly implement adjustments. The committee also discussed whether to include funding related to two other bills with fiscal impacts, House Bill 1485 (personal needs allowance) and House Bill 2399 (PRTF reimbursement), noting those measures may go to conference committee and that appropriations could be added there instead of in HB 1012. The committee agreed to proceed with HB 1012 and members noted provider inflation questions would be raised later in full committee. The division then approved a due pass recommendation on the amendments to HB 1012 and, after a roll call vote, approved HB 1012 as amended on a 4-1 vote, with Senator Mathern voting no. Senator Davison was named as carrier. Members also discussed House Bill 1577, involving wastewater project financing and possible amendments related to a line of credit from the Bank of North Dakota for specific projects, and House Bill 1619, for which additional amendments were expected before full committee action. The meeting ended with general thanks and adjournment.
MN

Minnesota 2025-2026 Regular Session

Hied Committee Meeting - 2025-04-01

Higher Education Finance and Policy

Transcript Highlights:
  • with the South Dakota program.
  • program.
  • Even within that list, we know that there are programs where the name of the program and the job that
  • Other states have similar programs.
  • I'm reminded of a program...
MN

Minnesota 2025 1st Special Session

House Higher Education Finance and Policy Committee 4/1/25

Higher Education Finance and Policy

Transcript Highlights:
  • outreach,<00:17:32.080> guidance, programs invest in outreach, guidance, programs invest
  • unnecessary complexity to the program unnecessary complexity to the program that<00:18:05.600>
  • We started this program. We don't money. We started this program.
  • Our cyber programs are doctorate.
  • Next up, Representative Canudson. this program um flush. If you ever tour this program um flush.
AL

Alabama 2025 Regular Session

Alabama Senate Finance and Taxation Education Committee Apr 23rd, 2025

Finance and Taxation Education

Transcript Highlights:
  • It's a wonderful program.
  • repayment program. ...the state and the loan repayment program.
  • to develop accountability and an evaluation program for these students that are receiving these loans
  • Basically, where they got the loan from the program that we established a few years ago, and then they're
  • There was a program that we established three or four years ago that would provide loans for athletic
FL

Florida 2026 Regular Session

Education Pre-K - 12 Jan 13th, 2026

Education Pre-K - 12

Transcript Highlights:
  • But specifically, Florida law already directs patriotic programs in schools.
  • We allow school districts to adopt rules to require programs of patriotic nature to encourage greater
  • But specifically Florida law already directs patriotic programs in schools.
  • It creates the Autism Education Loan Forgiveness Program, and I'm so excited about this.
  • And the program will allow individuals to receive loan forgiveness for up to five annual payments of
Bills: S0206, S0420, S0556
Summary: The committee first heard SB 420, which would require portraits of George Washington and Abraham Lincoln to be prominently displayed in classrooms used for social studies and in all K-5 classrooms, with the Department of Education selecting the portraits. Senator Burgess framed the bill as a patriotic and educational measure tied to America’s 250th anniversary, while Senator Davis raised concerns about exclusivity, political precedent, and state intrusion into local classroom decisions. Senator Osgood and others asked about sensitivity to diverse student populations and whether additional figures such as Harriet Tubman could also be displayed. Burgess said the bill would not prevent other displays, emphasized the two presidents’ historical significance, and committed to funding support so the mandate would not burden districts. The committee voted the bill favorably. The committee then took up CS/SB 206 on autism education and teacher preparation. Senator Harrell’s strike-all amendment required teacher preparation programs to include autism and other neurodevelopmental disabilities, required ESE-certified teachers to complete an autism microcredential, created an autism loan forgiveness program and salary supplement provisions, and directed district professional development to include autism-specific training with local CARD centers. A second amendment removed a proposed change to the legal definition of autism so that issue could be handled separately. Senators Davis and Osgood asked about implementation timelines, grandfathering current teachers, and how the bill would affect educators already working in autism classrooms; Harrell said he was open to further discussion and wanted to ensure flexibility while still requiring the credential. Public testimony included support from Orange County Public Schools, a parent of children with autism, and others. The committee adopted the amendments and reported the bill favorably. Finally, the committee heard CS/SB 556, which allows students with disabilities to satisfy the high school physical education requirement by participating in Special Olympics for one year if included in the student’s IEP. An amendment also clarified that two years of marching band satisfies both the PE credit and a fine or performing arts credit. Supporters said the bill expands inclusive options and reduces administrative burdens, and Senator Yarborough praised the change as giving students more flexibility. The committee adopted the amendment and reported the bill favorably. The committee also took up confirmation votes for appointments in tabs 4 through 7 and recommended all of them favorably by a single roll call vote.
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/24/26

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • Small Entrepreneur Loan Program and the Small Entrepreneur Loan Program and the Small Business<00
  • c> Account<00:02:32.960> and Loan Program Revolving Loan Account and Loan Program Revolving
  • The owner accessed the Emerging Entrepreneur Loan Program and has successfully paid that loan off.
  • Program and has Entrepreneur Loan Program and has successfully<00:04:18.920> paid<00:04:19.200
  • Program and Emerging Entrepreneur Loan Program and Emerging Entrepreneur Loan Program<00:05:21.600
HI

Hawaii 2026 Regular Session

WAM-CPN, WAM Public Hearings 04-07-2026

Ways and Means

Summary: The joint Ways and Means and Consumer Protection meeting was a decision-making session on a series of House bills, with no oral testimony taken. The committees first acted on HB 2583, recommending passage on amended, and HB 1591, recommending passage with amendments related to health care. They also recommended passage on amended for HB 1749 on cesspools and HB 2423 on biodiesel, with each recommendation adopted by the members present. The committees then considered a second agenda block that included HB 2080, HB 1520, HB 1576, HB 1711, HB 1785, HB 1802, HB 1838, HB 1842, HB 1853, HB 1976, HB 2104, HB 2218, HB 2246, HB 2270, HB 2289, HB 2361, HB 2551, and HB 2606. Most were recommended for passage unamended and adopted without objection. HB 1520 was deferred because the Senate bill had already crossed over. HB 1711 was amended to replace the option period established by the corporation with a period of up to 10 years. HB 2289 was amended to remove repeal of a ceiling and set a $1 million expenditure ceiling for the automated victim information and notification system special fund. Several members noted reservations on HB 1842, which involved transfer of the Westridge parcel near a rail station; concerns were raised about the property’s value, the long-term lease status, and whether the city would actually accept or pursue the transfer. HB 1853 was passed unamended, with the committee noting the Lions Association had suggestions that could be addressed later in conference. HB 2218 was passed unamended while adopting DLNR testimony to clarify collaboration with community groups in stewarding public lands and recreational areas. In each case, the stated recommendations were adopted, often with members voting no with reservation rather than in opposition.
MN

Minnesota 2025-2026 Regular Session

House Housing Finance and Policy Committee 4/8/26

Housing Finance and Policy

Transcript Highlights:
  • Uh everybody knows that it's the one of the most program. And I think if we could show, program.
  • And the program is working.
  • . program. program.
  • This program works.
  • It supports This program works.
FL

Florida 2026 Regular Session

Appropriations Committee on Pre-K - 12 Education Jan 28th, 2026

Appropriations Committee on Pre-K - 12 Education

Transcript Highlights:
  • It creates the Autism Education Loan Forgiveness Program for completion of a master's degree or Autism
  • We also support the Autism Educator Loan Forgiveness Program, which will help to recruit and retain,
  • This bill would also create the Autism Educator Loan Forgiveness Program, which would help...
  • Equally important is the Autism Educator Loan Forgiveness Program.
  • The loan forgiveness program also matters.
Bills: S0124, S0206, S0420
Summary: The committee first heard SB 124, which updates Florida Virtual School’s statute to remove outdated language and clarify its service, funding, governance, reporting, and district coordination provisions without changing day-to-day operations. Florida Virtual School testified in support, members praised the bill, and it passed unanimously on a roll call vote. The committee then took up CS for SB 206 on students with autism spectrum disorder. Senator Harrell explained that the bill would require autism and neurodevelopmental training in educator preparation programs, require ESE-certified teachers to complete an autism microcredential, create an Autism Educator Loan Forgiveness Program, provide salary supplements for teachers with the autism endorsement, and require district professional development to include autism-specific training with local CARD centers. A large number of speakers—teachers, parents, students, and advocacy groups—supported the bill while urging that implementation be fully funded, high quality, and not become an unfunded mandate. Several members spoke in favor, emphasizing the growing number of students with autism and the need to recruit and retain special education teachers. The bill was reported favorably by committee vote. Finally, the committee considered SB 420 on patriotic displays in classrooms. Chair Burgess explained the bill as a way to place portraits of George Washington and Abraham Lincoln in schools to encourage civic and patriotic reflection, and he offered an amendment narrowing the requirement from every classroom to one prominent display in each school and adding language making it subject to state appropriation. The amendment was adopted. Testimony on the bill was mixed: some speakers supported the idea as a spark for civic discussion, while many others opposed it as symbolic, unnecessary, or better addressed through curriculum and teacher training rather than mandated displays. In debate, some senators argued the portraits could prompt broader historical conversations, while others raised concerns about representation, classroom autonomy, and funding. The transcript ends during debate on the amended bill, before a final vote is shown.
MN

Minnesota 2025 1st Special Session

House Commerce Finance and Policy Committee 3/12/25

Commerce Finance and Policy

Transcript Highlights:
  • A conventional loan is a loan under the federal conforming loan limit that is not insured by VA or FHA
  • loan amount.
  • /c><00:06:33.440> the conventional loan is a loan under the conventional loan is a loan under
  • <00:07:56.599> or loan products such as personal loans or loan products such as personal loans
  • Bal loan balance to Affordable Loan Bal loan balance subordinate<00:08:21.039> lean<00:08:21.520
Bills: HF1865, HF2014, HF2028