Video & Transcript Research : 'banking policy'

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HI

Hawaii 2026 Regular Session

EEP Public Hearing - Thu Jan 29, 2026 @ 9:30 AM HST

Energy & Environmental Protection

Transcript Highlights:
  • And so what the state can do to support the county's policies is to help enact something to clean up
  • 26.320> so<00:23:27.039> what And so what the state can do to support the county's policies
  • ><00:26:48.320> 1802 Um, on the agenda, House Bill 1802 relating to conservation mitigation banks
  • On behalf of our policy and legislation chair, Luca Kuni Bertie, I'd like to thank Rep.
  • <00:34:46.240> and of our out on behalf of our policy and of our out on behalf of our policy
Summary: The committee heard several environmental and energy bills, beginning with HB 644 on single-use plastics. DLNR and DOH supported the measure, and environmental advocates said it would reduce plastic waste in oceans and landfills. Testifiers urged the bill to avoid weakening existing county ordinances, and some supported delaying implementation to use up inventory, while Upstream opposed compostable-plastic exemptions and urged prompt passage. Committee members asked whether reusable and refillable foodware could be added to the PFAS prohibition, and Upstream said that would be consistent with the bill’s goals. The committee then took up HB 1802 on conservation mitigation banks, HB 1569 on microfiber filters for newly manufactured washing machines, and HB 1619 on electric vehicle infrastructure. HB 1802 drew mostly agency testimony from DLNR, with opposition testimony noted from environmental groups, and members discussed whether suggested amendments would address concerns. HB 1569 received limited testimony, with support from the Hawaii Reef and Ocean Coalition and opposition from the Association of Home Appliance Manufacturers. HB 1619 was supported by the PUC, Hawaiian Electric, the Department of Transportation, and several advocacy groups; Earthjustice said the bill was needed to address a widening EV charging shortfall and described the funding increase as relatively small compared with the benefits. The committee also heard HB 1620, which would increase the barrel tax to fund the EV charging rebate program. The State Energy Office and PUC offered comments, while the Tax Foundation of Hawaii opposed the special-fund approach and said the bill should also address the non-petroleum fossil-fuel portion of the barrel tax. Earthjustice and youth transportation advocates supported the measure, and the chair asked for information on unused hydrogen fueling subaccount funds; PUC said no hydrogen program funds had been deployed and estimated the balance was likely around $2 million, with exact figures to be provided later. Finally, the committee heard HB 1730 on wastewater systems, which would create a wastewater technical advisory group and fund positions at DOH. DLNR, DOH, OPSD, UH, and several environmental groups supported the bill, emphasizing cesspool pollution, affordability, and the need for more staffing and technical assistance. Testifiers suggested amendments to create a separate cesspool conversion implementation working group and debated the size and composition of the advisory group, including whether to include outside engineers and whether SHIP should be on the panel. No votes were taken during the hearing segment provided.
TX

Texas 89th Regular

Pensions, Investments & Financial Services May 19th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • I represent the Texas Public Policy Foundation.
  • The Texas Public Policy Foundation brings them in at every hearing. Are there any examples of...
  • I represent the Texas Public Policy Foundation.
  • I represent the Texas Public Policy Foundation.
  • What we all understand and basically know about what our banking system is all about.
Bills: SB414, SB621, SB2395
AZ

Arizona 2026 Regular Session

03/16/2026 - Senate Finance

Finance

Transcript Highlights:
  • This is good public policy and Navigate the appeals process.
  • those expressly stated in an insurance policy.
  • any new or additional rights beyond those expressly stated in the policy.
  • About 20 to 25 other states have implemented this policy.
  • are supposed to follow, and banks are scratching their heads.
Summary: The committee first approved the March 9, 2026 minutes and held House Bills 29 and 2939 at the sponsor’s request. It then took up House Bill 2016, which would eliminate the late-filing penalty for taxpayers with zero income tax liability; after discussion about whether taxpayers still need to file to establish that they owe nothing, the committee adopted an amendment narrowing the bill to income tax filers and passed the bill 4-3. The Department of Revenue said it was neutral on the bill but supported the amendment. The committee next heard House Bill 2289, which updates the property-value examples used in bond/override election pamphlets and truth-in-taxation notices from older low values to $300,000. Supporters said the figures are outdated and should better reflect current home values; opponents questioned whether $300,000 was the best benchmark and whether adding another example would confuse voters. The bill passed 4-3. The committee also approved House Bill 4103, which bars school districts from calling bond elections if enrollment is below 50% of capacity. Supporters argued districts should use or monetize excess space before asking taxpayers for more debt, while school administrators and others said the measure would block needed maintenance, safety upgrades, and local decision-making. It passed 4-3. Two related agricultural property bills, House Bills 2104 and 2105, were both amended and passed 4-3. HB 2104 creates a four-year period after a successful agricultural property tax appeal during which assessors generally may not reclassify or reinspect the property absent changes in use, ownership, splits, or improvements. HB 2105 requires advance notice of inspections and inspection reports and provides a three-year inspection exemption after the most recent inspection, with similar exceptions. Farm and ranch groups said the bills provide fairness and certainty after successful appeals; county assessors opposed them as limiting oversight and creating unequal treatment. The committee also passed House Bill 2256 unanimously, which sets notice and title procedures for salvage auction dealers when insurance claims are denied or unpaid, and House Bill 2979 unanimously, which updates credit union regulatory timelines and procedures. Later, the committee passed House Bill 2996 unanimously, clarifying that certificates of insurance are informational only and cannot expand coverage or rights, with penalties for misrepresentations. It also heard House Bill 2174, which renames and updates regulation of insurance modeling and data organizations, requires model filings, and revises related reinsurance provisions; the discussion focused on how DIFI would regulate models versus the companies that create them, but no vote was taken in the portion provided. Finally, House Bill 2477 was introduced to conform Arizona’s 529 plan to federal law by increasing the K-12 withdrawal limit to $20,000, adding post-secondary credentialing expenses, and allowing rollovers to ABLE accounts and Roth IRAs if requirements are met; the sponsor and Treasurer’s Office supported it as a cleanup/conformity measure, and discussion began on how the new rollover options would work.
US
Transcript Highlights:
  • banking.
  • , or New Development Bank, or the Russia-sponsored Eurasian Development Bank.
  • It would codify policies adopted by the banking regulators in 2000. 2018 when Donald Trump was president
  • Banks routinely apply reputational risk policies and procedures to make sure that they're not doing business
  • That money laundering scandal closed Riggs Bank, the largest bank then in Washington, D.C.
Bills: SB875
Summary: This meeting focused on the markup of the Genius Act and the FIRM Act, two significant pieces of legislation addressing stablecoin regulation and the financial industry's regulatory framework. The Chairman noted the importance of providing clarity to the digital asset community and protecting American consumers, while also promoting innovation and competition within the financial sector. Members of both parties expressed varying viewpoints, with some highlighting concerns related to national security and the potential risks associated with stablecoins.
AZ

Arizona 2026 Regular Session

02/17/2026 - Senate Natural Resources

Natural Resources

Transcript Highlights:
  • and it's good policy.
  • We want to make sure that that we keep this policy.
  • This longstanding ADWR safe harbor policy makes sense. because This long-standing ADWR safe harbor policy
  • ADWR will not arbitrarily change its policies.
  • I believe it's been policy for at least 25 years at this point.
Summary: The Senate Natural Resources Committee first considered two nominations. Jessica Manuel was introduced as a nominee to the Arizona Game and Fish Commission, where testimony emphasized her science background and experience working with agencies and stakeholders. Members asked about wolf management and her qualifications, and the committee voted 8-0 to recommend her confirmation. Stephen Williams was then introduced for the Arizona Livestock Loss Board, with discussion focused on his livestock and State Land Department experience and how the board handles wolf-related livestock losses. The committee also voted 8-0 to recommend his confirmation. The committee then took up several bills. SB 1785, which would codify ADWR’s one-mile safe-harbor policy for recovery wells near groundwater storage facilities, passed 5-3 after ADWR said it largely reflected current practice but requested clarifying language. SB 1082, requiring sanitation measures and signage for petting zoos and similar animal encounter exhibits, drew strong testimony from a parent advocate describing severe E. coli/HUS cases and opposition from fair/agriculture representatives who argued the bill was too broad and unnecessary; after amendment, it failed 4-4. SB 1336, extending the State Land Department and creating a temporary oversight committee with a broad amendment on lease holdovers, notice periods, and committee membership, passed 6-2 after significant debate over the committee’s composition and scope. Later, SB 1200, which would require ADWR to revisit certain Phoenix AMA assured water supply applications using older groundwater models, passed 5-3 despite opposition from CAP and ADWR over added replenishment obligations and concerns about relying on outdated models. SB 1335, requiring the Arizona Water Banking Authority to post its annual report online, passed 7-1. SB 1559, creating rural groundwater management work groups in each basin to report to ADWR, passed 5-3 after supporters said it would improve basin-level coordination and opponents argued it created new bureaucracy without enforcement tools. SB 1761, appropriating $47.7 million to the University of Arizona for the Yuma Center of Excellence for Desert Agriculture, Cooperative Extension, and the Experiment Station, passed 7-1 amid broad support but some concern about funding levels. Finally, SCM 1007, urging Congress to divest and improve the San Carlos Irrigation Project electric system, passed unanimously.
TX

Texas 89th Regular

Pensions, Investments & Financial Services Apr 7th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • Witness on this from the banking department? Yes, we do. Thank you.
  • The chair calls Marcus Adams on behalf of the Texas Department of Banking. He's a resource witness.
  • Adams, I see you are registered as Marcus Adams on behalf of the Texas Department of Banking; you're
  • I would hope they put their faith in the Department of Banking, and we would regulate that entity.
  • I appreciate the opportunity to lay out House Bill 3804, relating to the regulation of state banks.
AZ

Arizona 2026 Regular Session

03/24/2026 - House Natural Resources, Energy & Water

Natural Resources, Energy & Water

Transcript Highlights:
  • We do have a presentation this morning from the Arizona Water Banking Authority.
  • Arizona Water Banking Authority and its role today.
  • Chair Griffin, members of the committee, currently the Water Banking Authority has no policy or guidance
  • You mentioned that the Arizona Water Banking Authority hasn't had excess water to bank since 2020.
  • When municipalities bank excess water for themselves... 2020, when municipalities bank excess water for
Summary: The committee first received a presentation from the Arizona Water Banking Authority by Dr. Rebecca Burnett. She explained the authority’s role in storing Colorado River water as long-term storage credits, its funding sources, and its obligations to provide backup supplies for CAP municipal and industrial subcontractors, the Hualapai River Indian community, and Nevada. Members asked about future firming for CAP users, recovery of credits, water quality issues, and whether municipalities banking water themselves affects the authority’s supply. Burnett said the authority has no current firming policy for CAP M&I subcontractors, is waiting on Colorado River guidelines, and does not have excess water to bank because no surplus is available. No action was taken on the presentation. The committee then heard and voted on several bills. SB 1445, as amended, allows small municipalities to test bacteriological samples on site with EPA-approved equipment; the sponsor and a rural mayor argued it would save money and improve responsiveness, while some members questioned whether the change was already possible under existing law. The bill passed 6-4. SB 1137, with a Taylor amendment, modernizes Arizona’s 811 call-before-you-dig system by adding large-project coordination meetings, an interactive positive response system, and related procedures; it passed unanimously 10-0. SB 1287, which expands an existing groundwater use allowance for irrigation grandfathered rights from initial AMAs to all AMAs, passed 9-1. The committee also considered SB 1335, as amended, which in its final form addressed a temporary continuation of irrigation tied to the Ag-to-Urban program and groundwater savings credits; DWR said the amendment was still a placeholder and needed cleanup, while supporters said it would help manage timing issues for farmers and developers. It passed 5-4. SB 1336 reauthorized the State Land Department through 2030 and added oversight, reporting, and planning requirements; the department was neutral but raised concerns about the proposed oversight committee and implementation details. After debate over the need for another board and the length of reauthorization, it passed 5-4. Finally, SB 1677 appropriates $3 million to the Department of Forestry and Fire Management for salt cedar mitigation along the lower Gila River corridor. Supporters from Audubon Southwest, the City of Buckeye, and local landowners said the invasive trees increase flood and wildfire risk, consume large amounts of water, and crowd out native habitat; some members raised concerns about herbicide use and wanted more detail on the mitigation plan. The bill passed 9-0. The chair then thanked staff and members, and the meeting adjourned.
TX

Texas 89th Regular

Business and Commerce May 13th, 2025

Business & Commerce

Transcript Highlights:
  • It relates to the regulation of state banks.
  • Members, Texas banks can be placed under supervision. by the Department of the Banking Commissioner determines
  • the bank is in a precarious financial position. commissions banks may not pay dividends to their shareholders
  • My name is John Bonnera, and I'm a policy analyst with the Texas Public Policy Foundation.
  • My name is John Bonnera, and I'm a policy analyst with the Texas Public Policy Foundation and I'd like
TX

Texas 89th 2nd C.S.

Business and Commerce May 13th, 2025

Business & Commerce

Transcript Highlights:
  • It relates to the regulation of state banks.
  • Members, Texas banks can be placed under supervision by the department if the banking commissioner determines
  • the bank is in a precarious financial position.
  • My name is John Benora, and I'm a policy analyst with the Texas Public Policy Foundation.
  • My John Burra: name is John Burra, and I'm a policy analyst with the Texas Public Policy Foundation,
TX
Transcript Highlights:
  • Members, Texas banks can be placed under supervision by the Department of the Banking, Department of
  • Banking.
  • Members, Texas banks can be placed under supervision by the Department of the Banking Commissioner determines
  • My name is John Bonura, and I'm a policy analyst with the Texas Public Policy Foundation.
  • My name is John Bonura, and I'm a policy analyst with the Texas Public Policy Foundation.
Summary: The committee first took up pending business and favorably reported several House bills without opposition, including HB 11, HB 132, HB 1041, HB 1606, HB 2286, and HB 5061. Each was moved out of committee with a recommendation that it do pass and be printed, and several were also recommended for the local and uncontested calendar. The committee then heard HB 3306, which would extend existing construction-contract indemnity exceptions to electric infrastructure construction, maintenance, and vegetation management work for electric utilities and transmission and distribution utilities. The sponsor said the bill would reduce litigation and insurance costs for ratepayers, while construction industry witnesses argued it would shift liability onto subcontractors and create broad-form indemnity in a way Texas law has generally prohibited since 2011. HB 3306 was left pending. The committee also heard HB 4739, a Comptroller-requested cleanup bill to repeal an outdated Finance Code provision requiring remittance of a portion of certain delinquency charges to the state, and HB 3803, HB 3804, and HB 3806, all Department of Banking-requested cleanup bills dealing with confidentiality and supervision rules for perpetual care funds, state banks, and trust companies. Those bills were briefly explained and left pending without testimony. HB 4219, aimed at improving Public Information Act compliance by requiring timely notice when records do not exist or are being withheld, allowing complaints to the Attorney General, and imposing training and fee consequences for noncompliance, drew support from a journalist and a policy analyst and was also left pending. The committee then heard HB 4238 on coerced debt and identity theft. The sponsor explained that the committee substitute narrows the bill to court-ordered findings of identity theft/coerced debt, gives collectors seven business days to stop collection activity, and removes a section to avoid litigation over court orders. A law professor and a family violence advocate testified in strong support, describing coerced debt as a barrier for domestic violence and elder abuse survivors trying to rebuild credit and access housing, jobs, and utilities. The bill was left pending. HB 1522, which would require local governments to post meeting notices three business days in advance and make budget materials more accessible online and in physical form, also drew support, though a school business officials representative raised concerns about the timing language, proposed-budget wording, and taxpayer impact statements for school districts; the bill was left pending after discussion. Later, the committee heard additional pending bills, including a PUC background-check bill that would expand the commission’s authority to check current employees and contractors and obtain FBI criminal history information, HB 3805 updating money services business regulation, HB 431 extending HOA solar-panel protections to solar tiles, and HB 3228 and HB 3229 on wind and solar recycling financial assurance and recycler solvency. HB 3228 received support from a Sierra Club witness who said recycling and disposal plans are needed for end-of-life renewable energy equipment, and HB 3229 was described as requiring recyclers to show financial resources at 125 percent through a letter of credit or bond. These bills were heard and left pending.
TX

Texas 89th Regular

Business and Commerce May 13th, 2025

Business & Commerce

Transcript Highlights:
  • Members, Texas banks can be placed under supervision by the Department of Banking.
  • Department of Banking.
  • Members, Texas banks can be placed under supervision by the Department of Banking if the commissioner
  • My name is John Bonura, and I'm a policy analyst with the Texas Public Policy Foundation.
  • My name is John Bonura, and I'm a policy analyst with the Texas Public Policy Foundation, and I would
Summary: The Senate Committee on Business and Commerce met with a quorum and first took up pending business, reporting several House bills favorably to the full Senate, including HB 11, HB 132, HB 1041, HB 1606, HB 2286, and HB 5061, with some also recommended for the local and uncontested or contested calendars. The committee then heard and left pending HB 3306, which would extend construction-contract indemnity exceptions to electric infrastructure work, including construction, maintenance, and vegetation management for utilities. Supporters said it would align utility infrastructure work with public works and reduce litigation and ratepayer costs, while opponents argued it would shift liability onto subcontractors and create broad-form indemnity concerns. Members also heard HB 4739, a Comptroller-requested cleanup bill repealing an outdated Finance Code provision tied to delinquency charges on retail charge accounts, and left it pending without testimony. The committee then considered several Department of Banking cleanup bills, including HB 3803, HB 3804, and HB 3806, all left pending after brief explanations and no public opposition. HB 4219, dealing with public information requests, drew support from a journalist and a policy analyst who said it would improve transparency by requiring timely responses, notice when records do not exist, and training or fee consequences for noncompliance; it was left pending. The committee also heard HB 4238, a committee substitute addressing coerced debt and identity theft, which would bar collection of certain debts from victims who obtain a qualifying court order. A law professor and a family violence advocate supported the bill as narrow, protective relief for domestic violence and elder abuse survivors, and it was left pending. Other bills heard and left pending included HB 1522 on local government budget meeting posting and taxpayer impact disclosures, HB 4344 authorizing background checks for PUC employees and contractors, HB 3805 updating money services business regulation, HB 431 extending solar-panel HOA protections to solar tiles, HB 3228 and HB 3229 on wind and solar recycling financial assurance, and HB 1922 clarifying the accrual date for construction defect claims under right-to-repair law. The committee recessed subject to the call of the chair.
US
Transcript Highlights:
  • Ariel is. currently serving as my policy director for telecommunications on this committee.
  • As I've directly observed, Ariel knows telecommunications law and policy as well as anyone else. in this
  • I have long advocated for a more evidence-based approach to our spectrum management policy.
  • The FCC plays a vital role in spectrum policy.
  • I want to mention just spectrum policy, as a couple of my colleagues have mentioned before.
Summary: During the committee meeting, various issues surrounding state policy and governance were deliberated. Although the specifics of bills under discussion were not highlighted, comments from several committee members indicated a focus on improving legislative processes and addressing public concerns. The chairman facilitated discussions that included several points of critique as well as suggestions for enhancement of existing laws. The atmosphere remained constructive despite the complexity of the topics at hand.
TX

Texas 89th Regular

Business and Commerce Mar 11th, 2025

Business & Commerce

Transcript Highlights:
  • Or non-renewable renewal of policies required under the bill.
  • to get one policy.
  • So if they're forcing you to get their auto policy in addition to your homeowner's policy, they have
  • the other policy, but would not prohibit getting the discount for this additional policy if you choose
  • the other policy but would not prohibit.
Summary: The Senate Committee on Business and Commerce met with a quorum and took up several pending bills, first reporting SB 1006 favorably after adopting a committee substitute that adds quarterly ZIP-code-level reporting to TDI on insurer declinations, cancellations, and nonrenewals. The committee also adopted substitutes and favorably reported SB 388, which adds nuclear to a credit program and excludes batteries from the dispatchable definition; SB 917; SB 504, which narrows reporting requirements for certain local entities, raises a salary threshold, and authorizes AG injunctive relief; SB 925, which clarifies that federal match dollars are included in a PLA-related prohibition; and SB 815, which removes downcoding references and focuses on AI use in prior authorization. SB 815 advanced on an 8-2 vote, while SB 388 advanced 6-3 and the others were reported 9-0 or 6-0 as noted. The committee then heard testimony on SB 378, which would prohibit aestheticians and cosmetologists from administering injections or using prescriptive medical devices unless legally authorized and would clarify TDLR disciplinary authority. The author and a retired neurosurgeon testified that unsafe, unauthorized injections pose real patient risks, and a TDLR witness said the bill addresses a long-standing regulatory gap. SB 378 was left pending after testimony. The committee also heard SB 1252, aimed at reducing municipal permitting barriers for residential backup power systems; the author and industry witnesses said city permitting is costly and inconsistent, while municipal utility representatives and advocates said the substitute preserved safety and utility oversight. That bill was also left pending. Additional bills heard but left pending included SB 1172, which would let LPs and LLCs sell their own property without a real estate license; SB 681, which would extend engineer license renewal periods and apply similar flexibility to engineering firms; SB 918, a TDLR cleanup bill for orthotics and prosthetics exemptions; SB 1343, which would require data brokers to post a clear link explaining Texans’ privacy rights and how to exercise them; SB 213, which would prohibit forced bundling of residential property and auto insurance while preserving voluntary discounts; SB 610, which would codify TDLR’s anti-trafficking unit; and SCR 8, expressing opposition to a central bank digital currency over privacy, security, and financial-stability concerns. Public testimony on SB 1343 and SB 213 was generally supportive, with consumer and advocacy groups emphasizing privacy, competition, and survivor safety, and the committee closed the day with those measures and others left pending.
TX
Transcript Highlights:
  • For over 25 years, we have advocated for the rights of policy. We thank you, Mr.
  • to get one policy.
  • They won't sell me that policy separated, they'll sell it to me as a bundle.
  • Prohibit a company from saying to get this policy you have to buy the other policy but would not prohibit
  • to get the discount for this additional policy you have to buy it.
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/11/26

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • I'm a senior policy adviser at Protect Borrowers, a nonprofit policy organization focused on household
  • > at<00:14:10.240> Protect a senior policy adviser at Protect a senior policy adviser at
  • Borrowers, a nonprofit policy Borrowers, a nonprofit policy organization<00:14:12.720> focused
  • There is nothing unconscionable about this, nor should it be against public policy.
  • Policies that make MAC airports high.
Bills: HF3889, HF2567, HF3878
TX
Transcript Highlights:
  • I am the policy director for Common Cause Tech.
Summary: The committee meeting involved various discussions pertaining to legislative initiatives and public policy concerns. Members engaged in debates around significant topics, highlighting their diverse perspectives. The atmosphere was lively with members presenting arguments for and against certain measures. Testimonies from the public were also a key feature, shedding light on community sentiments related to proposed bills.