Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• So regarding AOBs, as you know, we eliminated that in past legislation.
• So we're telling them because there are no more AOBs, Zero reports.
• So we're telling them because there are no more AOBs, you don't have to file AOB reports.
• Even though there are no AOBs, should, thank you, Mr.
• It has nothing to do with the AOBs, because that doesn't even exist.

Summary: The Insurance and Banking Subcommittee met to hear and vote on several bills, with all measures reported favorably. The first major item was PCS for HB 175 on payment stablecoins, which would create a Florida regulatory framework aligned with the federal GENIUS Act so issuers can choose state regulation instead of federal licensing. Members asked extensive questions about how stablecoins differ from other digital assets, whether Florida would need federal approval, and what impact the bill would have on the Office of Financial Regulation; the sponsor and OFR said the state framework would mirror federal standards and that any workload increase was currently indeterminate. The PCS passed unanimously after testimony from OFR and the Florida Blockchain Business Association in support. The committee then approved CS for HB 961, which streamlines electronic signature requirements for salvage titles and certificates of destruction, and HB 1415, a DFS stablecoin pilot program allowing certain stablecoins to be used for licensing and regulatory fees. HB 1415 was amended to remove authority for a Florida coin, limit the pilot to established stablecoins with at least $1 billion market cap, and require secure custody through a public depository or custodial bank. Members discussed how any interest or revenue would be used, with sponsors saying the pilot was still exploratory and intended mainly to cover program costs. Both bills passed favorably. HB 1039, establishing a state cryptocurrency reserve, also passed after a strike-all amendment moved administration of the reserve from the CFO’s office to the State Board of Administration and tightened eligibility to cryptocurrencies with a $100 billion market cap over the prior 12 months. Supporters argued the bill would create a framework for future diversification and investment in established digital assets, while several members raised concerns about volatility, reporting frequency, and the meaning of new terms such as qualified liquidity provider and secure custody solution. The committee also passed CS for HB 951 on penny rounding for cash transactions, with an amendment clarifying cash transaction definitions and treating money orders and gift cards like credit-card transactions for rounding purposes.

Transcript Highlights:

• You just heard about the AOB concerns, but also there is network reporting that is duplicative.
• That's why our analysis has shown that in states that do mandate AOB, there is a drop in network participation
• Opposition witness: That do mandate AOB. There is a drop in network participation.
• The concern is that because of the drop in network participation in those states with AOB mandates, the

Summary: The Assembly Health Committee met on March 17 and first approved a consent calendar of several bills, then heard AB 1540 by Assemblymember Mark Gonzalez, which would restore the 988 “Press 3” LGBTQ youth crisis line. Supporters, including suicide prevention advocates, behavioral health groups, and local governments, argued the service is a vital, identity-affirming suicide prevention tool for LGBTQ youth. Opponents, including detransitioners and conservative advocacy groups, argued it would steer vulnerable youth toward organizations they viewed as harmful. The committee approved the bill on a due-pass-as-amended motion to the Communications and Conveyance Committee, with several no votes; the bill was later held on call and then advanced. The committee next heard AB 1671 by Assemblymember Tangipa, creating a Rural Medical Provider Grant Program to help providers serving rural communities with operational costs, equipment, workforce needs, and related expenses. Supporters said the bill would help retain providers and improve access in areas where patients travel long distances for care; committee members also discussed telehealth as an important rural access tool. The bill passed on a due-pass-as-amended motion to Appropriations. The committee then took up AB 1876 by Assemblymember Addis, the Fair Care for All Act, which would codify federal health care nondiscrimination protections into California law, including protections related to race, color, national origin, age, disability, sex, and gender identity. Supporters said the bill is needed because federal protections are vulnerable to rollback and because patients, especially transgender and intersex Californians, face coverage denials and care disruptions. Opponents argued the bill would force coverage of gender-affirming care and raised concerns about detransitioning. The committee approved the bill on a due-pass motion to Judiciary, with some no votes, and later held it on call before it advanced. Finally, the committee heard AB 1629 by Assemblymember Haney, which would require dental plans to honor assignment-of-benefits requests and improve reporting on network adequacy. Supporters said the bill would reduce upfront costs for patients and improve transparency, while opponents, including Delta Dental and dental plan groups, warned it could weaken networks and increase out-of-pocket costs. After discussion about network participation and patient access, the committee passed the bill on a due-pass motion to Appropriations. The committee then completed the remaining votes, including the consent items, and adjourned.

Transcript Highlights:

• Michael Aob Jr. in opposition, and Nicholas Zur in opposition.
• Michael Aob Jr. in opposition, and Nicholas Zur in opposition.
• Michael Aob Jr. in opposition, and Nicholas Zur in opposition.
• And then in opposition: Michael Aob Jr. and Nicholas Zur.
• Michael Aob Jr. in opposition and Nicholas Zur in opposition.

Keywords: 912, senate, all

Summary: The joint committees heard testimony on several fireworks-related bills. On HB 550, which would allow law enforcement to use drone recordings to establish probable cause for fireworks arrests in public areas and appropriate funds for drones, the Department of Law Enforcement and Honolulu Police Department supported the measure. The Public Defender and some public testifiers opposed it, arguing that a statute cannot mandate probable cause and that the bill raises constitutional concerns. A prosecutor later explained that the bill is intended to address Hawaiʻi case law, especially State v. Kit, which limits aerial surveillance over homes under the state constitution, and suggested that changing “shall” to “may” could reduce constitutional problems. Members also questioned whether current law already allows video evidence of fireworks violations and whether the bill was necessary. Testimony included both support and opposition from individuals and organizations, and no vote was taken during the hearing. The committees then heard HB 806, which would appropriate funds for the Department of Law Enforcement to conduct sting operations on Oʻahu to enforce fireworks laws. The department and police supported the bill, while the Libertarian Party of Hawaiʻi opposed it, arguing that fireworks are already illegal and that the measure adds unnecessary enforcement powers and constitutional risk. Committee members asked what “sting operation” means and whether the term should be defined more clearly; the department said it refers to police or criminal investigations involving deception and agreed a definition would help guide use of the funds. The department also said the funding would support training, storage, and other operational costs for undercover investigations. Finally, the committees heard HB 1483, a broader fireworks enforcement bill that would create an adjudication system for fireworks infractions, revise definitions and penalties, establish new offenses, and increase penalties when fireworks offenses cause injury or death. The Attorney General’s office strongly supported the bill, saying it would improve enforcement by clarifying definitions and allowing cases to be proven without particle testing or expert witnesses when fireworks leave no physical evidence. The Department of Law Enforcement also supported it. The Public Defender opposed the bill, focusing on the bill’s penalty enhancements for offenses that are rarely enforced and its concurrent trial provision, which it said raises problems because of the differences between civil and criminal proceedings. No final committee action or vote was reported in the transcript.

Transcript Highlights:

• You just heard about the AOB concerns, but also there is network reporting that is duplicative.
• That’s why our analysis has shown that in states that do mandate AOB, there is a drop in network participation
• The concern is that because of the drop in network participation in those states with AOB mandates, the

Keywords: 988, house, all

Transcript Highlights:

• grown, some repair shops have used marketing tactics and assignment of benefits, which we refer to as AOB
• And I do think that there needs to be some legislation in terms of reining in some of the AOB abuse as
• well, and ultimately... ...terms of reining in some of the AOB abuse as well.

Keywords: 988, house, all

Transcript Highlights:

• These businesses often rely on a business structure that allows for assignment of benefits, AOB arrangements
• These businesses often rely on a business structure that allows for assignment of benefits, AOB arrangements
• The combination of aggressive marketing, AOB use, and limited oversight increases financial and safety
• consumer protection by restricting a person from assigning policy benefits to repair shops, preventing AOB

Keywords: 987, senate, all

Transcript Highlights:

• that we're seeing systemic issues developing in this marketplace around litigation and water loss, AOB

Summary: The Senate Committee on Banking and Insurance convened with a quorum present, and Commissioner Michael Yaworsky of the Office of Insurance Regulation delivered a broad update on Florida’s property insurance market. He outlined the division of responsibilities between OIR and the Department of Financial Services, then reported market indicators including 7.61 million residential policies in force, an average premium of $2,755, 1.5 million Citizens takeout approvals, and recent negative trends in homeowners rate requests. He credited recent legislative reforms, especially tort reform and the Insurer Accountability Act, with improving market stability, increasing competition, and allowing the office to conduct more examinations and investigations, recover consumer restitution, and fine insurers for misconduct tied to recent hurricanes. Yaworsky emphasized that Citizens Property Insurance has been rapidly depopulating from its 2022 peak and may fall below 300,000 policies, while cautioning that over-depopulation could create residual-market risks and assessments if a major storm hits. He also discussed the distinction between admitted and surplus lines markets, the role of reinsurance in Florida pricing, and the effect of inflation on total insured values and premiums. He said Florida has seen comparatively modest property rate increases relative to other states and noted that recent hurricanes did not produce the kind of rate spikes seen in prior years, which he attributed to a more stable market and reduced fraud and litigation pressure. In response to a question from Senator Martin, Yaworsky explained that California’s wildfire crisis and regulatory structure are not a direct one-to-one comparison for Florida, but that California’s market problems can affect global reinsurance capacity and serve as a cautionary example of regulatory missteps. He also highlighted a recent Progressive auto insurance excess-profits refund of about $1 billion to policyholders, discussed possible federal changes to the National Flood Insurance Program, and urged greater home resiliency and code-plus adoption. The commissioner closed by calling for clearer consumer disclosures and responsible oversight of AI use in insurance filings. No bills were considered and no votes were taken; Senator Hooper moved to adjourn, and the committee adjourned without objection.

Transcript Highlights:

• These businesses often rely on a business structure that allows for assignment of benefits, or AOB arrangements
• The combination of aggressive marketing, AOB use, and limited oversight increases financial and safety
• consumer protection by restricting a person from assigning policy benefits to repair shops, preventing AOB

Summary: The committee heard several bills and took action on a number of them. SB 1234 by Senator Alvarado-Gil would require fentanyl to be included in drug tests ordered by juvenile courts for parents or guardians in dependency cases; there was no opposition, a committee member confirmed it would apply to caregivers rather than children, and the bill was supported for moving forward. SB 1257 by Senator Arreguín would require the Attorney General to publish an annual public report on immigration enforcement incidents at designated safe locations such as schools, hospitals, courthouses, and places of worship; supporters from immigrant advocacy and health groups testified about fear and chilling effects in communities, while questions focused on how data would be collected and concerns were raised about sanctuary policies. SB 1176 by Senator Choi would bar foreign adversary entities from buying California agricultural land; supporters cited national security concerns, but committee members pressed on enforcement, straw buyers, and who would be responsible for identifying prohibited purchasers, and the bill was held on a 2-4 vote after debate. The committee also heard SB 1146 by Senator Gonzalez, which would require clear disclosure when AI-generated or altered images, audio, or video are used in health-related advertisements depicting health care providers. The California Medical Association and California Dental Association supported the bill, describing deepfake health ads as deceptive and harmful; it passed the committee 7-0 to Appropriations. SB 988 by Senator Grayson would regulate auto glass insurance practices by restricting assignment of benefits, requiring claim numbers and itemized estimates, and addressing steering and billing practices; supporters said it would curb fraud and stabilize premiums, while independent glass businesses worried about steering and market concentration. After discussion of consumer choice and small-business impacts, the bill passed 7-0 to Appropriations. SB 1288, presented by Senator Grayson on behalf of Senator Laird, would require financial institutions to make a good-faith effort to notify beneficiaries of non-probate assets and would reduce barriers to claiming those assets, especially for nonprofits. Nonprofit witnesses described long delays and burdensome account-opening requirements, while SIFMA and bankers opposed the bill unless amended, citing conflicts with federal and industry obligations and concerns about retroactivity and verification. The bill passed 8-0 to call. The committee also heard SB 941 by Senator Padilla, which would cap commissary markups in private immigration detention facilities at 35% above vendor cost; the Attorney General’s office and immigrant advocates supported it as a response to exploitative pricing and poor conditions, and it passed 8-0 to call. Finally, SB 909 by Senator Smallwood-Cuevas would raise and index public works contractor fees and penalties and dedicate more penalty revenue to enforcement; labor supporters said stronger funding is needed to address wage theft and backlogs, while contractors opposed the fee and penalty structure as uncapped and costly. The bill was moved forward on a vote and remained on call after committee discussion.

Transcript Highlights:

• The essential issue is the mandate of assignment of benefits, or AOB.
• If AOB is mandated, non-contracted providers who prioritize receiving direct payment should be required

Summary: The committee heard several bills, beginning with AB 1921 on video game shutdowns. The author and Consumer Reports supported requiring game operators to give 60 days’ notice before ending server support and to offer a menu of remedies, including refunds or playable/offline alternatives, while the Entertainment Software Association opposed the bill as an unwarranted new standard for digital products and raised safety and legal concerns about community servers. Members questioned the scope of refunds, copyright, and community-server issues, and the author said he was open to further amendments. The bill was moved on a due-pass motion to Senate Appropriations and placed on call. AB 1965, dealing with cannabis testing, was presented as a measure to strengthen the Department of Cannabis Control’s authority over testing labs and improve product safety and transparency. The California Cannabis Operators Association supported the bill, saying it would help ensure consistent standards and protect consumers in a market with a large illicit component. There was no opposition, and the bill was moved on a due-pass motion to Senate Appropriations and placed on call. The committee also heard AB 2141, which would allow the Board of Pharmacy to resolve certain disciplinary matters through a voluntary pre-accusation settlement process. The author and a supporting pharmacist said it would speed resolution of smaller, technical cases and reduce costs, while a member raised concerns about transparency and whether the public would have less information about licensee misconduct. The bill passed the committee on a due-pass motion to Senate Appropriations, with Senator Menjivar voting no, and was placed on call. AB 2163, creating strategic clean energy and critical mineral development zones, was supported by the author and Imperial County as a way to prioritize geothermal and lithium development in areas like the Salton Sea region; it passed on a due-pass motion to Senate Appropriations and was placed on call. Later, AB 1990 on compounded weight-loss drug advertising drew significant debate. Supporters argued it would curb misleading ads and require disclosures about risks and non-FDA approval, while opponents from the compounding pharmacy community said it would create burdens, duplicate existing false-advertising law, and could harm patient access. Members questioned whether the bill actually addressed targeting minors and whether it would force use of FDA-approved labeling; the author said the bill was meant to add specificity and guardrails. The bill was moved on a due-pass motion to Senate Judiciary, with some no votes, and placed on call. The committee also heard AB 2783 on court reporters, which would add a national certification pathway and extend a remote reporting pilot; it drew support from court reporting stakeholders and passed unanimously on a due-pass motion to Senate Appropriations, placed on call. Finally, AB 2771, the Bureau for Private Postsecondary Education sunset bill, and AB 2772, the interior design certification sunset bill, were presented and heard with mixed testimony: AB 2771 received support from student and borrower advocates and was moved to Senate Education, while AB 2772 drew both support and strong opposition over CCIDC governance and accountability, with the committee hearing extensive public comment before the transcript ended.

Transcript Highlights:

• The essential issue is the mandate of assignment of benefits, or AOB.
• If AOB is mandated, non-contracted providers who prioritize receiving direct payment should be required

Keywords: 987, senate, all

Transcript Highlights:

• grown, some repair shops have used marketing tactics and assignment of benefits, which we refer to as AOB
• And I do think that there needs to be some legislation in terms of reining some of the AOB abuse as well

Summary: The committee heard several bills focused on domestic violence protections, pay equity enforcement, Jewish demographic data collection, court transparency, auto glass insurance practices, pet policy disclosure for renters, and civil rights accountability for federal officers. SB 99 would require courts and law enforcement to better recognize military protective orders in domestic violence cases; supporters from the Department of Defense and military organizations said it would close jurisdictional gaps for military families, and the bill passed to Public Safety. SB 1237 would increase penalties for repeat noncompliance with California pay data reporting laws; supporters said stronger enforcement is needed to address persistent wage gaps, and the bill passed to Appropriations. SB 1387 would allow Jewish identity to be reported as an ethnic category in state demographic data; supporters said better data would improve policy and anti-discrimination efforts, while opponents argued the bill was unnecessary or divisive, and it passed to Privacy. SB 932 would require assignees filing civil actions to identify the original party in the case caption; supporters framed it as a transparency measure, and it passed to Judiciary/Appropriations on call. The committee also took up SB 98, which would regulate auto glass insurance claims by restricting assignment of benefits, requiring clearer estimates and invoices, and limiting inducements to consumers. The sponsor and NICB said the bill would curb fraud and unsafe repairs, while independent glass shops and industry groups argued it could reduce consumer choice and favor insurer-aligned networks; the bill passed to Appropriations. SB 1296 would require landlords to disclose pet policies before collecting application fees and provide refunds if nondisclosure materially affected an applicant’s decision; supporters said it would save renters time and money, while rental housing representatives objected to a provision limiting eviction based solely on failure to sign a pet addendum. The bill passed to Appropriations. Finally, SB 747, the No Kings Act, would create a California cause of action allowing people to sue federal officers for constitutional violations using standards similar to Section 1983. Senator Wiener and a witness who said he was unlawfully detained by Border Patrol argued the bill is needed because federal officers currently lack comparable accountability after the Supreme Court narrowed Bivens remedies. Law enforcement groups opposed the bill, warning that the qualified immunity language is unclear, could create a separate California standard, and might expose officers and governments to retroactive litigation; members discussed possible amendments on qualified immunity and retroactivity, and the bill was moved forward with an urgency amendment while negotiations continued.

Transcript Highlights:

• These businesses often rely on a business structure that allows for assignment of benefits, AOB arrangements
• The combination of aggressive marketing, AOB use, and limited oversight increases financial and safety
• consumer protection by restricting a person from assigning policy benefits to repair shops, preventing AOB

Summary: The committee heard several bills, with testimony largely focused on child safety, immigrant community transparency, agricultural land security, consumer protection, estate transfers, detention commissary pricing, and public works wage enforcement. SB 1234 would require fentanyl to be included in drug tests ordered by juvenile courts for parents or guardians in dependency cases; the author said it was a narrow child-safety measure, and there was no opposition. SB 1257 would require the Attorney General to publish annual reports on immigration enforcement incidents at designated safe locations; supporters said it would improve accountability and document fear in immigrant communities, while questions centered on how the data would be collected and concerns were raised about sanctuary policies. SB 1176 would bar foreign adversary entities from buying or controlling California agricultural land; supporters framed it as a national security measure, while committee members pressed the author on enforcement, who would verify buyers, and possible discriminatory application. The bill was moved on a 2-4 vote and placed on call after the author said he would work on clarifying responsibility and nondiscrimination concerns. The committee also heard SB 1146, which would require clear disclosure when AI-generated or altered images, audio, or video are used in health-related advertisements depicting health care providers. The California Medical Association and California Dental Association supported the bill, saying it would curb deceptive deepfake ads and protect consumers; it passed unanimously, 7-0. SB 988 would restrict assignment of benefits in auto glass claims, require claim numbers and itemized estimates, and update repair disclosure rules to curb overbilling and steering; supporters said it would protect consumers and stabilize insurance costs, while independent glass shop concerns about steering and market concentration were discussed. The bill passed 7-0, with one member abstaining because of a conflict. SB 1288, presented on behalf of Senator Laird, would require financial institutions to make good-faith efforts to notify beneficiaries of non-probate assets and would simplify access requirements, especially for nonprofits. Supporters described long delays and burdensome account-opening requirements; SIFMA and the California Bankers Association opposed the bill unless amended, citing conflicts with federal and industry obligations and concerns about retroactive burdens. The bill passed 8-0. SB 941 would cap commissary markups in private immigration detention facilities at 35% above vendor cost; supporters said detainees often pay excessive prices for basic necessities, and the bill passed 8-0. Finally, SB 909 would raise and index public works contractor fees and penalties and dedicate more penalty revenue to enforcement; labor supporters said stronger funding is needed to address wage theft and backlogs, while contractors warned of uncapped costs and reduced transparency. The discussion continued with questions about enforcement and whether stronger penalties or license restrictions would better deter repeat violators.

Transcript Highlights:

• fraudulent home repair contractors and scammers pushing what's called an assignment of benefits, or AOB

Keywords: homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions

Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.

Transcript Highlights:

• Without AOB, patients must pay the full cost of treatment.
• Without AOB, patients must pay the full cost of treatment out-of-pocket and then wait to be reimbursed

Summary: The Senate Committee on Health heard a series of bills focused on access to care, insurance coverage, and public health. AB 387 on youth sports AED access drew support from the author and safety advocates, but opposition from school, park, city, and county groups over liability, cost, and access concerns. The author said he would continue working on amendments to shift the bill toward requiring access to existing AEDs rather than mandating facility procurement. Committee members emphasized the life-saving purpose of the bill while also raising affordability and access concerns for youth sports programs. The committee also heard AB 1682, which would require health plans and insurers to cover FDA-cleared scalp cooling devices for chemotherapy patients. Supporters, including breast cancer survivors and health groups, described the emotional and quality-of-life benefits of preventing hair loss and said cost is the main barrier to access. There was no formal opposition, though one senator raised concerns about whether the mandate could exceed essential health benefits. The chair and members expressed support for the bill’s goals and said it would be taken up when quorum was established. AB 2093, a follow-up to the 988 crisis line law, sought to clarify statewide leadership, improve coordination among 988, 911, and mobile crisis teams, and create a more sustainable funding structure. Behavioral health organizations and crisis center representatives supported the bill, saying implementation challenges and demand growth require statutory fixes. Committee members generally supported the concept but noted the bill was a gut-and-amend and that additional work was needed with county and behavioral health stakeholders. The committee then heard AB 1843 on hepatitis C treatment, AB 1629 on dental assignment of benefits, AB 2540 on community college access to medication abortion services, and AB 1929 on disclosure of health plan investments. AB 1843 had broad support from medical and public health groups but opposition from health plans, which argued it conflicted with the prior-authorization framework in SB 306 and could raise drug costs. AB 1629 was supported by dental and patient advocates but opposed by dental plans and insurers over concerns about network participation and out-of-pocket costs. AB 2540 drew strong support from reproductive health advocates and student representatives, while community college health services and some others opposed or were neutral pending amendments; the author said the bill was about equity and accepted amendments to reduce burdens. AB 1929 was backed by labor and immigrant rights groups as a transparency measure, but opposed by health plans and insurers who said Covered California was not the right entity to administer the disclosures and that the information was already publicly available. Throughout the hearing, members repeatedly weighed public access and transparency against cost, administrative burden, and implementation concerns.

Transcript Highlights:

• Without AOB, patients must pay the full cost of treatment.
• Without AOB, patients must pay the full cost of treatment out of pocket and then wait to be reimbursed

Keywords: 987, senate, all

Transcript Highlights:

• The following people are in opposition: Michael Aob Jr. and Nicholas Zur.

Keywords: 912, senate, all

Summary: The committee opened by outlining testimony procedures and then heard SB 376 on tax credits, which would create a home fire safety improvement tax credit. Testimony from the Tax Foundation of Hawaiʻi urged that the concept would be better handled as a subsidy program and raised drafting concerns about unclear definitions and eligibility. Later, the committees agreed to pass SB 376 with amendments, including making the credit nonrefundable, clarifying third-party certification, deleting recapture-related language, and making technical changes. Members then heard SB 417, which would make unlicensed contractor work during or within five years after an emergency or disaster a class B felony. The Contractors License Board was listed for comments, and the Subcontractors Association supported the measure. The committees ultimately recommended passage with technical, non-substantive amendments and an adjusted effective date, and the measure was adopted. A substantial portion of the meeting focused on SB 782, which would require free and accessible voice communication services for incarcerated people and prohibit state agencies from profiting from those services, while also directing the PUC to set standards and providing funding for the SAVIN victim notification program. Supporters, including the Public Defender, ACLU of Hawaiʻi, Worth Rises, and others, argued the bill would reduce costs for families, improve reentry, and align adult corrections with the juvenile system. Opponents, including the Department of Corrections and Rehabilitation, the Hawaiʻi Paroling Authority, and SAVIN-related witnesses, warned that changing the funding structure could weaken victim notification and safety services. The committees deferred SB 782. The committee also heard SB 999 on fireworks, which would repeal permissible consumer fireworks uses, impose civil penalties and forfeiture remedies, and create a forfeiture special fund for safety education. The Department of Law Enforcement and Honolulu Police Department supported the bill, while fireworks industry representatives and others opposed it, arguing prohibition would be ineffective and urging stronger enforcement and education instead. The committees deferred SB 999 for further consideration, and SB 1136 on insurance was also deferred after insurers and the Department of Commerce and Consumer Affairs opposed it. In the later joint session with the Committee on Economic Development and Tourism, SB 744 on condominium loans was heard with support from the Hawaii Green Infrastructure Authority and banking groups, while one testifier raised concerns that the program could function like C-PACE financing and add risky debt to condominium associations; testimony and discussion continued on that measure.