Video & Transcript Research : 'Hawaii Property Insurance Association'

Page 1 of 500
HI

Hawaii 2026 Regular Session

CAA Public Hearing - Wed Feb 4, 2026 @ 9:30 AM HST

Culture & Arts

Transcript Highlights:
  • We uh Retail Merchants of Hawaii.
  • We also have the Hawaii Symphony Orchestra in support and the Hawaii Public Library System in support
  • We also have testimony in support from the Hawaii Chamber Music Hawaii, the University of Hawaii at Manoa
  • Uh, from the Hawaii Youth Symphony. Oh, Hawaii Youth Symphony. Aloha. Uh, Rep.
  • Halleluha Townhouse<00:43:25.839> Association Townhouse Association Townhouse Association as<00
Summary: The committee on Culture and the Arts heard several measures related to arts funding, administration, and access. Testimony was largely supportive across the agenda. For HB 2218 and HB 1815, the State Foundation on Culture and the Arts supported the bills, and members discussed transition timing and administrative support, including the need for an additional year in one measure and a temporary administrative position to help with the transfer. HB 1764, the music accessibility pilot program, drew broad support from the Retail Merchants of Hawaii, Hawaii Symphony Orchestra, Hawaii Public Library System, Hawaii Youth Symphony, and others, with testimony emphasizing library-based music programming, community access, and economic benefits. HB 2117, which would create an arts data mapping task force, also received extensive support, though witnesses suggested narrowing the initial scope, adding representatives from independent and charter schools and neighbor island arts programs, and ensuring adequate funding and a realistic timeline for the work. The committee also heard HB 2436 on arts integration in public schools, HB 2438 on the Hawaii Cultural Trust, and HB 2532 on the Hawaiian flag. HB 2436 and HB 2438 received support from SFCA, while the Cultural Trust bill prompted a lengthy explanation from the chair about how the proposed tax credit would work and amendments to clarify that donations to the trust and to qualifying cultural nonprofits must be made in tandem, with eligible organizations listed and updated annually by SFCA and OHA. HB 2532 drew testimony from Dr. Adam Jansen in support of protecting the Hawaiian flag as a historical and cultural symbol; he said the flag should continue to be used for solidarity, protest, inclusion, and identity. At the decision-making portion, the committee adopted the chair’s recommendations on the measures considered. HB 2118, HB 764, HB 1815, and HB 2117 were passed with amendments, including date deferrals and technical changes; HB 764 also had its appropriation blanked out. HB 2436 was passed with amendments, and HB 2438 was advanced with substantial clarifying amendments to the cultural trust structure. The chair indicated that HB 2117 would include an interim report due in 2027 focused on music and dance, with a final report due in 2029 on arts education more broadly.
TX

Texas 89th Regular

Insurance May 20th, 2025

Insurance

Transcript Highlights:
  • SB1643 proposes a shift in how property and casualty insurance... Rates are regulated in Texas.
  • In a 2021 study, it was found that 50% of state insurance commissioners nationwide had joined the insurance
  • Next witness is Scott Kibbe, American Property Casualty Insurance Association, registered against SB1642
  • It exempts the Texas Windstorm Association Fund (TWAF) from insurance premiums and maintenance taxes.
  • overall availability of insurance in the marketplace.
Bills: SB1642, SB1643, SB2530
TX

Texas 89th Regular

Insurance Apr 2nd, 2025

Insurance

Transcript Highlights:
  • American Property Casualty Insurance Association, we show you.
  • Again, my name is Scott Kibbe with the American Property Casualty Insurance Association testifying today
  • Risk in the property and casualty space as a way to provide insurance.
  • You're saving 20% on your property insurance, what would you say? They wouldn't say anything.
  • Okay, we show you Jennifer Collie from the Texas Association of Life... ...and Health Insurers.
TX

Texas 89th Regular

Insurance Apr 2nd, 2025

Insurance

Transcript Highlights:
  • In my area, windstorm insurance is probably more than property taxes.
  • We show you registered as Scott Kibbe, American Property Casualty Insurance Association.
  • I'm with the American Property Casualty Insurance... ...Association, our national trade association,
  • , a national trade association with about 1,500 members in property casualty insurers.
  • Any insurer may provide personalized property and casualty insurance that creates economies of scale
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Mar 31, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • Hawaii Financial Services Association in Hawaii Financial Services Association in opposition.
  • Hawaii Insurers Council with comments.
  • cost estimate for the insured property.
  • Uh SD1 relating to property insurance.
  • <01:49:54.000> I estimate for the insured property. I estimate for the insured property.
Summary: The committee first heard HCR 168 and HR 158, which would create a temporary working group to study utility capacity, coastline infrastructure lifespan, and the costs of needed expansions. Public Utilities Commission staff said the commission was not the right entity to direct all of the work because it lacks authority over many affected agencies. Members discussed whether the study should be limited to a coastal area or broadened to the whole island, and in decision-making the committee amended the measure to focus on the County of Honolulu, correct references to the Public Utilities Commission, and revise the working group membership to include the PUC chair, legislative designees, and directors or designees from DLNR, DOT, HIEMA, and DCCA Consumer Advocacy. The committee then passed both resolutions with amendments; the vote was adopted unanimously, with some members excused. The committee next considered HCR 145 and HR 137, which would convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division stood on its written comments, the Climate Change Mitigation and Adaptation Commission supported the intent, and the Attorney General opposed the measure, warning that a working group could create discoverable materials that might complicate the state’s climate litigation and noting a technical ambiguity in the reference to the Hawaii Hurricane Relief Fund administrator. After questions about discovery and the lawsuit, the committee amended the resolutions to replace the administrator reference with the chair of the Hawaii Hurricane Relief Fund Board of Directors, remove the Attorney General as convener while keeping the office as a member, and have the working group share findings and recommendations with the House CPC and Senate CPN committees instead of issuing a report. The committee passed the measures with amendments, with Rep. Martin voting with reservations. In the later agenda, the committee heard SB 2607, SD 1 on landscape architect licensure. The Board of Professional Engineers, Architects, Surveyors, and Landscape Architects supported the bill, explaining it modernizes licensure requirements to align with national standards and clarifies the profession’s design-focused role. The bill was discussed as distinguishing landscape architecture from groundskeeping and from civil engineering drainage work. No opposition was heard. The committee also heard SB 2031, SD 2 on consumer protection and price transparency for live ticket events and short-term lodging. The Office of Consumer Protection supported the bill, saying it largely mirrors an FTC rule requiring all-in pricing and would give the state enforcement authority and remedies. The Hawaii Financial Services Association opposed the bill as drafted and sought a limited exemption for credit card issuers relying on third-party hotel information, while the Hawaii Hotel Alliance supported the measure but asked for language deeming compliance with the federal rule sufficient for short-term lodging. Committee members questioned whether those proposed exemptions would conflict with federal law or weaken state enforcement, and the discussion focused on preemption, liability, and the value of state remedies such as restitution.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Wed Mar 18, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • This bill allows the Hawaii Property Insurance Association to file and litigate subrogation claims against
  • Insurance Association, the Hawaii Hurricane Relief Fund, and private insurers licensed in the state
  • <00:20:44.200> Property private insurers, the Hawaii Property private insurers, the Hawaii
  • Property Insurance<00:20:44.920> Association,<00:20:45.560> the<00:20:45.640> Hawaii
  • Insurance Association, the Hawaii Insurance Association, the Hawaii Hurricane<00:20:46.320> Relief
Summary: The committee heard SB 1166 SD2, a bill on insurance and climate-related damages that would authorize the Hawaii Property Insurance Association and, in amended versions discussed during testimony, other public and private entities to pursue civil actions to recover losses tied to climate disasters and extreme weather. DCCA’s Insurance Division and the Department of the Attorney General raised legal concerns, saying the bill’s scope may not fit the insurance code section being amended, that it could create subject-matter and title issues, and that some subrogation language may be duplicative of existing rate-filing practice. Lawyers for Justice opposed the measure, arguing it conflicts with existing subrogation law and recent Hawaii Supreme Court rulings that treat the judicial lien process as the exclusive remedy. The American Petroleum Institute also opposed, warning the bill would add liability and litigation risk for companies operating under existing permits and could undermine energy reliability and investment. Supporters said the bill would help shift climate-related insurance costs away from residents and onto fossil fuel companies and other responsible parties. Testimony in support came from the Polluters Pay Hawaii Coalition, Center for Climate Integrity, Hawaii Island Council, Our Hawaii, Sierra Club of Hawaii, and others, who described recent flooding, storm damage, rising premiums, non-renewals, and underinsurance as evidence of a worsening climate-driven insurance crisis. Several supporters urged amendments to give the Attorney General explicit authority to recover insurance-related losses for the Hurricane Relief Fund, HPIA, and private insurers, and to ensure recovered amounts benefit policyholders. Committee members questioned whether HPIA is a private entity, whether the Attorney General could represent it, whether the bill could create double recovery or affect pending climate litigation, and whether insurers would have standing or damages if they are only paying contractual claims. The committee then took up SB 888 SD2, a consumer protection bill that would restrict smart household security device operators from sharing user data with law enforcement without consent or a judicial order, and would bar conditioning device use on such consent. The Office of Consumer Protection testified in support and said an Illinois law could serve as a useful template for exceptions to the warrant requirement. An individual supporter said the measure would protect immigrant communities, judges, and others from surveillance and misuse of private data. No vote was taken during the portion of the meeting provided, and the chair noted additional written testimony submitted in support of SB 1166.
TX

Texas 89th Regular

Trade, Workforce & Economic Development Apr 30th, 2025

Trade, Workforce & Economic Development

Transcript Highlights:
  • and property owners associations.
  • State agencies can buy insurance policies to help offset and pay for losses to property and assets.
  • One of the things that we do is ensure that folks who choose to buy insurance to protect their property
  • the property to another.
  • property.
TX
Transcript Highlights:
  • Basically, it is to help our insurance carriers, the workers' compensation insurance carriers based in
  • The committee substitute adds that insurers' commercial property or automobile rate filings require approval
  • So it adds in commercial property. Any questions? Senator Schwertner?
  • Are there problems associated with that one at the current time?
  • Under existing Texas property law, 90 percent of all funds...
TX
Transcript Highlights:
  • Our members are 400 property and casualty insurance companies who write auto, home, and commercial insurance
  • , again, would be a cost borne by the insurance industry.
  • For the record, Ryan Brannon with the Coastal Windstorm Insurance Coalition.
  • Is it across the state by all insurers?
  • That's right, all insurers except for mutuals, and that money is collected and paid by the insurers to
AZ

Arizona 2026 Regular Session

02/17/2026 - House Commerce

Commerce

Transcript Highlights:
  • Meeting law applies to you if you're in an association and the Association Act.
  • Second, the board privately decided to invoke association insurance for certain expenses.
  • and property damage, but it does not require cargo insurance.
  • Dominguez accomplished was owning property, and she really owned her property.
  • insured.
Summary: The committee heard and acted on several bills, mostly receiving due pass recommendations. HB 4020 would raise the maximum annual assessment on insurers that funds the Department of Insurance and Financial Institutions fraud unit from $1,050 to $1,350. The sponsor and an industry witness said the increase would support fraud investigations, and the bill passed 9-1 after a roll call vote; the transcript later included a correction stating HB 4020 passed 10-0 with one absent. HB 2255 would extend Arizona Teachers Academy scholarship eligibility for community college students from two academic years/four semesters to four academic years/eight semesters. Maricopa Community Colleges supported the bill, saying it would let community college teacher candidates complete bachelor’s degrees with the same funding available to university students. It passed unanimously. HB 2591, as amended, revised the definition and administration of registered apprenticeships to align with U.S. Department of Labor standards and add requirements such as written agreements, structured training, wage progression, and safety supervision; it also passed unanimously. HB 2680, as amended, narrowed and revised workers’ compensation fraud-related provisions, including insurance disclosure requirements and proof of coverage. Supporters from labor and construction groups said it would help combat premium fraud and protect honest contractors, while the sponsor said the amendment narrowed the bill to address concerns. It passed 10-1. HB 2979 modernized credit union law regarding bylaws, name changes, principal office changes, and certain powers; credit union representatives supported it as a regulatory update, and it passed 11-0. HB 2868 required manufactured-home/mobile-home installation license applicants and renewals to show insurance and fingerprint clearance, and to allow the Department of Housing to set experience, exam, and enforcement rules; it passed 8-1 with two present. The committee also approved a strike-everything amendment to HB 2429 on short-term rentals, allowing local governments to regulate overnight occupancy, extending the violation window for suspending a license from 12 to 24 months, and allowing suspension after certain building code violations. The sponsor and city/county representatives described it as a compromise that restores some local control, while short-term rental advocates and neighborhood groups said it was a step forward but still too limited; the bill passed 8-2 with one present. HB 4011, without the proposed amendment, codified HOA duties to act reasonably and fairly in enforcing rules, and after testimony from attorneys, homeowners, and HOA advocates describing abusive enforcement and the need for clearer standards, it passed 11-0. HB 2397, as amended, required more complete HOA disclosure information to buyers and escrow agents, with supporters saying it would prevent surprise assessments and defects and critics warning some language was still broad; it passed 11-0. Finally, HB 4026 would change a public infrastructure reimbursement program for advanced manufacturing by replacing a $200 million total cap with a $75 million annual cap and adding website-posting requirements for agreements; Queen Creek and economic development witnesses said it was needed to support major manufacturing projects and related infrastructure, and the bill was being discussed when the transcript ended.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Feb 3, 2026 @ 2:00PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • Hawaii Food Industry Association in opposition. >> Good afternoon, Chair, Vice Chair, and members of
  • Hawaii Food Industry Association in opposition. >> Good afternoon, Chair, Vice Chair, and members of
  • Hawaii Food Industry Association in opposition. >> Good afternoon, Chair, Vice Chair, and members of
  • Hawaii Food Industry Association in opposition. >> Good afternoon, Chair, Vice Chair, and members of
  • 00:19:56.480> in Hawaii Food Industry Association in Hawaii Food Industry Association in opposition
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.
HI

Hawaii 2026 Regular Session

House Chamber - Fri Feb 6, 2026, 12:00PM HST - Day 11

Hawaii House Floor Meeting

Transcript Highlights:
  • Every year, our state chamber, Chamber of Commerce Hawaii, brings the community from business leaders
  • State Teachers Association in the gallery.
  • <00:16:30.399> State amazing teachers from the Hawaii State amazing teachers from the Hawaii
  • Teachers Association um in the gallery. Teachers Association um in the gallery.
  • So, I'm very happy to introduce members of the Hawaii Library Association who have come down to share
HI

Hawaii 2026 Regular Session

House Chamber - Thu Feb 5, 2026, 12:00PM HST - Day 10

Hawaii House Floor Meeting

Transcript Highlights:
  • It is my great privilege to introduce the Ohana from JPEG, Hawaii.
  • Hawaii has always been at the forefront of organized labor and supporting unions.
  • <00:12:05.760> Hawaii<00:12:06.320> has<00:12:06.639> always<00:12:07.040>
  • Hawaii has always been at the York City.
  • Hawaii has always been at the forefront<00:12:08.720> of<00:12:09.120> organized<00:12:
TX

Texas 89th Regular

Insurance Apr 30th, 2025

Insurance

Transcript Highlights:
  • Show you Scott Kibbe, representing the American Property Casualty Insurance Association.
  • Okay, my name is Scott Kibbe, representing the American Property Casualty Insurance Association, a national
  • The National Association of Insurance Commissioners puts those numbers together.
  • The Chair calls Chess Bostic, Texas Association of Public Insurance Advisors.
  • I am with the Texas Association of Public Insurance Adjusters.
TX

Texas 89th Regular

Insurance Apr 30th, 2025

Insurance

Transcript Highlights:
  • Insurance will come to order. The clerk will call the roll. Dean. That's it.
  • Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
  • The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
  • Okay, I show registered Audrey Vanderwaal from the Texas Chiropractic Association.
  • Interested is Corey Rose from the Texas Car Project Association.
TX

Texas 89th Regular

Business and Commerce May 15th, 2025

Business & Commerce

Transcript Highlights:
  • We've worked with the Texas Association of Life and Health Insurers on the bill and the substitute in
  • Jennifer Colley, Texas Association of Life and Health Insurers. Good morning.
  • Jennifer Colley with the Texas Association of Life and Health Insurers, in support of the bill.
  • Mark Bell, Association of Electric Companies, Mark Ward Teesdale, Association of Mutual Insurance, Mark
  • I'm with the National Association of Mutual Insurance Companies.
Summary: The committee first handled pending business, including reconsidering SB 715 and then voting out several measures. The committee substitute for SB 1978 was reported favorably, and HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 were all reported favorably, many with objections sent to the local and uncontested calendar. HB 1522 and HB 4238 were adopted as committee substitutes before passage. The committee then moved into public testimony on HB 2963, a right-to-repair bill for consumer electronics. Supporters argued it would reduce waste, lower costs, and help independent repair shops by requiring manufacturers to provide parts, tools, and information on fair terms, while opponents said the bill was too broad and the automotive MOU exemption was problematic. The bill was left pending after testimony. The committee also heard HB 2467, which would align State Fire Marshal Office investigators’ pay with other commissioned peace officers at TDI; testimony was strongly supportive, emphasizing the office’s arson-investigation role, and the bill was left pending. HB 252, a bill allowing certain state agencies flexibility to pay Schedule A employees twice monthly, was laid out and left pending after limited testimony. HB 2468, dealing with public improvement district notice in real estate transactions, would let buyers terminate within seven days if required PID notice was not provided before contract execution; it drew no public testimony and was left pending. HB 4386, an annuity exchange and surrender process bill, was presented as a consumer-protection measure with deadlines and penalties for insurer delays; it received support from industry witnesses and was left pending. The committee then heard HB 4751, creating the Texas Quantum Initiative within the Governor’s Office to coordinate quantum research, workforce, industry partnerships, and possible future grant funding. Witnesses from universities and industry supported the bill, while several senators questioned whether a new state structure was necessary; the bill was left pending. HJR 175 proposed a constitutional amendment protecting Texans’ right to use mutually agreed forms of exchange, including cash, bullion, digital currency, or private script, and was discussed at length in the context of central bank digital currency and barter; it was left pending after testimony. HB 2221, updating insurance anti-rebating laws to allow wellness and value-added services, drew supportive testimony from the insurance industry and discussion about incentives versus monitoring; it was also left pending. Finally, the committee heard a series of utility wildfire and infrastructure bills: HB 106, requiring oil and gas operators to maintain certain electrical infrastructure near well sites; HB 144, requiring electric utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing self-insurance under certain conditions. Utility, insurance, and cooperative witnesses generally supported the wildfire-related bills while asking for clarifications and less burdensome reporting, and the bills were left pending.
TX

Texas 89th 2nd C.S.

Business and Commerce May 15th, 2025

Business & Commerce

Transcript Highlights:
  • We've worked with the Texas Association of Life and Health Insurers on the bill and the substitute in
  • Jennifer Colley with the Texas Association of Life and Health Insurers, in support of the bill, and we
  • Jennifer Colley, Texas Association of Life and Health Insurers. Good morning.
  • Jennifer Colley with the Texas Association of Life and Health Insurers in support of the bill.
  • I’m with the National Association of Mutual Insurance Companies.
Summary: The committee first handled pending business, including reconsidering a failed vote on SB 715 and then reporting several measures favorably. SB 1978 was reported from committee on a committee substitute, and a series of House bills — including HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 — were moved out of committee, most to the local and uncontested calendar. The votes on these items were overwhelmingly or unanimously in favor, with committee substitutes adopted where applicable. The committee then heard HB 2963, a right-to-repair bill for consumer electronics. The author said the bill would require manufacturers to provide parts, tools, and documentation on fair and reasonable terms while preserving trade secrets and excluding certain categories such as medical devices, motor vehicles covered by an MOU, critical infrastructure, and commercial-only transactions. Supporters from the Texas Public Policy Foundation and Environment Texas argued it would strengthen property rights, help small businesses, and reduce e-waste. Opponents, including representatives of SafeLight Auto Glass and LKQ, said they supported right-to-repair in principle but objected to the bill’s automotive MOU exemption and broader scope, warning it could create uncertainty and leave some manufacturers and repair shops outside the framework. The bill was left pending after testimony. Members also heard HB 2467 on salary parity for State Fire Marshal investigators, HB 252 on allowing some state agencies to pay certain employees twice monthly, HB 2468 on public improvement district notice and a buyer’s right to terminate, HB 4386 on annuity contract exchanges and surrender timelines, HB 4751 creating a Texas Quantum Initiative and related fund, and HJR 175 proposing a constitutional amendment protecting Texans’ ability to use mutually agreed-upon mediums of exchange, including cash, bullion, and digital currency. Testimony on HB 4751 was largely supportive but included questions about whether the state needs a new coordinating structure and funding mechanism for quantum research and commercialization. HJR 175 drew discussion about barter, taxes, and concerns over central bank digital currency. Each of these items was left pending after hearing testimony. The committee also heard HB 2221, which would update insurance anti-rebating laws to allow more wellness and value-added services in life and health insurance, with supporters saying it would encourage healthier behavior without requiring data monitoring. Finally, the committee took up a package of utility and wildfire-related bills from Chairman King’s portfolio: HB 106, requiring oil and gas operators to maintain certain overhead electrical lines; HB 144, requiring utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing utilities to self-insure under certain conditions. Utility, co-op, and insurance representatives generally supported the safety and resiliency goals of HB 144, while asking for clarifications and less frequent reporting; HB 145 was introduced as a broader wildfire-risk and liability measure. These bills were also left pending after testimony.
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Feb 24, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • That's a Hawaii Association of Realtors copyrighted form.
  • My name is Lindsay Garcia from Hawaii Association of Realtors.
  • I am the president of the Hawaii Funeral and Cemetery Association.
  • Hawaii Funeral and Cemetery Association. Hawaii Funeral and Cemetery Association.
  • So to that, it's a bit of an incorrect note by the Hawaii Fire Association.
Summary: The committee heard testimony on HB 1697, which would exempt natural hair braiders from licensing requirements under certain conditions. The DCCA Board of Barbering and Cosmetology said it recognizes braiding as within the scope of cosmetology practice but warned that a broad exemption could create consumer protection gaps, especially around sanitation training, tool use, and enforcement. Supporters from the Institute for Justice and the Grassroots Institute of Hawaii argued the current licensing regime is overly burdensome and unrelated to braiding, citing the 1,250-hour training requirement, high tuition costs, barriers for low-income entrepreneurs, and the fact that many other states already exempt braiders. Committee members asked whether a standalone sanitation course or similar training could address the board’s concerns, and the board said it would bring that idea back for discussion. The committee also noted 16 written testimonies in support and 2 in opposition. The committee then took up HB 1678, relating to condominium and planned community association elections using cumulative voting. Supporters, including the Hawaii State Association of Parliamentarians, said the bill would clarify that cumulative voting applies to all candidates, including write-ins, and would help resolve confusion in association elections. One testifier urged the committee to remove proxy voting, calling it an abuse of power in some associations, while another asked whether cumulative voting and proxies could be manipulated to stack votes. In response, the parliamentarian explained that cumulative voting and proxy voting are different, that proxies simply allow someone to vote on another’s behalf, and that existing deadlines and counting procedures reduce opportunities for abuse. Testimony also emphasized that electronic or mail voting can be secure and efficient, and that the bill would make the process clearer and more democratic. Finally, the committee heard testimony on HB 1679, which would clarify an association board’s authority over electronic meetings, electronic voting, voting without a meeting, and mail voting without a meeting. Supporters said the measure would clean up statutory language, make electronic voting optional, and fix problems created by a 2024 change that made written-consent timing rules difficult to use for association actions. They also said the bill would clarify that proxies are only used at meetings, not for actions taken without a meeting. One opponent argued the bill needs further amendment because electronic voting is not well defined and could be abused, and questioned the neutrality of parliamentarians testifying on condominium bills. No votes were taken on any of the measures during the portion of the meeting provided.