Transcript Highlights:

• Article 9A governs security interests in personal property and fixtures.
• security interests may be perfected.
• security interests may be perfected.
• But there's no underlying legitimate security interest or agreement between the two.
• But there's no underlying legitimate security interest or agreement between the two.

Bills: HB2640, HB2161, HB2304, HB2445, HB2590, HB2412

Keywords: Uniform Commercial Code, business filings, legal filings, commercial transactions, UCC compliance, attorney general, legal authority, state powers, judiciary, civil rights, condominium, housing, warranty, property rights, construction, probate, estate administration, inheritance, heir finder, heir locator

Summary: The Civil Rights and Judiciary Committee met on January 30 for a public hearing on House Bill 2640 and then took executive action on several bills. HB 2640 would address unauthorized Uniform Commercial Code filings by allowing the Department of Licensing to refuse suspected harassing or fraudulent filings, creating an affidavit-based process to terminate wrongfully filed financing statements, allowing administrative review and court challenges, and adding criminal penalties for intentional unauthorized filings. Department of Licensing testimony supported the bill as an agency request and said it would provide a lower-barrier remedy for people harmed by abusive UCC filings; members questioned whether the department should be making legitimacy determinations and whether existing court remedies were sufficient. No vote was taken on HB 2640 at the hearing stage. In executive session, the committee advanced HB 2161, which expands attorney general civil investigative demand authority for certain civil rights and labor-related investigations, with a substitute clarifying that the authority does not apply to criminal investigations, bars improper use, and extends the response deadline from 20 to 30 days. The bill passed 7-5 with one excused. HB 2304, extending condominium warranty coverage to four-story buildings, passed unanimously. HB 2445, revising probate law and standards for personal representatives and third-party administrators, passed 10-2 with one excused, though some members warned it could slow legitimate probate matters. The committee also adopted an amendment to HB 2590, which exempts limited equity cooperatives from the Washington Uniform Common Interest Ownership Act unless they elect coverage, and then passed the substitute bill 8-4 with one excused. Finally, HB 2412, increasing the number of superior court judges in Yakima County from eight to nine, passed unanimously 12-0 with one excused. The meeting then adjourned.

Transcript Highlights:

• We'd be very interested in partnering on that.
• I’m very interested in preventing fraud.
• Interesting testimony. Interesting testimony, thank you.
• In the interest of time, we're going to move on to the next testifier.
• Representative Peterson, interesting.

Bills: HB2453, HB2590, HB2445, HB2386, HB2585

Keywords: psychiatric pharmacists, mental health, pharmacy regulations, healthcare, pharmacological treatments, limited equity cooperatives, common interest ownership, housing, exemption, community ownership, probate, estate administration, inheritance, heir finder, heir locator, beneficiary interest, transfer of inheritance rights, probate for profit, personal representative, executor

Summary: The Civil Rights and Judiciary Committee heard testimony on several bills. House Bill 2445, requested by the Attorney General, would curb “probate-for-profit” abuses by extending the waiting period before a court may appoint a non-family estate administrator, limiting non-intervention powers and repeat appointments for “suitable persons,” tightening venue rules, and restricting self-dealing in estate assets. The sponsor and Attorney General’s Office described cases in which strangers allegedly used probate loopholes to control estates, sell property, and profit from heirs’ losses; the Northwest Justice Project and others supported the bill. Members raised questions about the bill’s timelines and whether the added safeguards might complicate probate for laypeople, and the sponsor said she was open to amendments. House Bill 2386 would replace a statutory garnishment answer form for continuing liens on earnings with a form developed by the Washington Pattern Forms Committee or a substantially similar form. The sponsor and a district court judge said the current form often leads to calculation errors, especially for fluctuating wages, and that a new form would improve accuracy and fairness for debtors, creditors, employers, and courts. A collectors’ association supported updating the form but asked for more implementation time and flexibility for employers using their own systems. The judge said a delayed rollout would not be a problem. House Bill 2585 would create a Washington State False Claims Act modeled on the federal act, allowing the Attorney General and private whistleblowers to sue for fraudulent claims against the state, with treble damages, civil penalties, retaliation protections, and qui tam provisions. Supporters said it would recover stolen public funds, deter fraud, and help address wage theft and other abuses; they emphasized that the bill requires specific intent and materiality. The Attorney General’s Office said it was generally supportive but would provide technical and substantive feedback, while a wireless industry representative urged an exemption for tax matters and a construction industry witness warned the bill could turn ordinary change-order disputes into fraud claims. The committee also heard House Bill 2590, which would exempt limited equity cooperatives from WUCIOA unless they opt in, while preserving their property tax treatment. Housing and cooperative development witnesses said the bill would remove mismatched regulatory burdens, preserve permanently affordable homeownership, and better fit the cooperative model; members asked about resale appreciation, reserves, and how the cooperative structure works. Finally, House Bill 2453 would add board-certified psychiatric pharmacists to the list of professionals who may sign certain involuntary treatment petitions and provide concurring opinions for involuntary medication under less restrictive alternative orders. Supporters said it would improve workforce capacity and continuity of care in behavioral health settings, while opponents argued it could weaken civil-liberty protections and extend commitment authority to professionals without diagnostic authority. No votes were taken on any of the bills in the transcript.

Transcript Highlights:

• House Bill 2354 concerns common interest communities under the Waukeva.
• that beneficiary designation is held by... ...the owner's death, and the property subject to that beneficiary
• co-beneficiary if the other co-beneficiaries have not submitted their claim documentation.
• Interesting testimony. Thank you.
• The interest in finality, absolutely.

Bills: HB2095, HB2500, HB2412, HB2595, HB2354, HB2597

Keywords: public safety, vulnerable users, pedestrians, protected classes, transportation, charitable organization, charity, nonprobate transfer, beneficiary designation, life insurance, retirement account, payable on death, POD account, transfer on death, TOD, financial institution, insurance company, transfer agent, estate planning, donor intent

Summary: The committee held public hearings on several bills. House Bill 2354 on common interest communities was presented as a trailer bill to the Waukeva, with a proposed substitute that would exempt small middle-housing communities from most Waukeva provisions, exempt certain middle-housing communities from reserve study requirements, raise the audit threshold from $50,000 to $100,000 in annual assessments, and prevent governing documents from shifting responsibility for electric vehicle charging stations and heat pumps away from the unit owner. The sponsor and a community associations representative supported the bill as a targeted cleanup measure for small communities, and there was no opposition testimony. House Bill 2412, which would add a ninth Superior Court judge in Yakima County, drew strong support from the sponsor, county commissioners, the presiding judge, and court staff. Testimony emphasized Yakima County’s population growth, a backlog of more than 2,800 cases older than two years, increased protection order filings, and trial delays affecting families and public safety. The county said it supports the funding share and confirmed the courthouse can accommodate another judge. The hearing was then closed. The committee also heard House Bill 2500 on charitable beneficiary transfers, which would require financial institutions or insurers holding beneficiary-designated property to notify charities after a donor’s death, allow a standardized affidavit process, prohibit demands for personal information or account opening as a condition of payment, and require transfer within 30 days. Charitable organizations testified in support, describing long delays and burdensome paperwork, while credit unions and bankers raised concerns about identity verification, fraud risk, and operational timelines. House Bill 2595 on collateral attacks on criminal judgments would extend the filing deadline for personal restraint petitions from one year to three years and allow the Office of Public Defense to provide direct representation. Supporters argued the current deadline is too short for incarcerated people, especially juveniles and pro se litigants, while prosecutors and victim advocates opposed the bill, citing finality, workload, and victim retraumatization. The committee then heard House Bill 2597, which would create a state civil cause of action for violations of U.S. constitutional rights during civil immigration enforcement, with damages and attorney fees available and some immunity limitations. Supporters framed it as an accountability measure and a remedy for constitutional violations, while law enforcement and other opponents warned about unclear definitions, officer hesitation, and conflicts with federal immunity; the hearing ended with a note that executive session on HB 2597 would be scheduled later.

Transcript Highlights:

• Bill 5632 improves flexibility and protections for ERS retirees by allowing them to update their beneficiary
• This bill clarifies that upon retirement, a former spouse is automatically removed as a beneficiary unless
• Furthermore, the bill specifies it's only the current spouse who can be named as a beneficiary. if they
• were a beneficiary at the time of the member's retirement who must give written notarized consent to

Bills: HB3015, HB3521, HB5632, HJR182, SJR57

Keywords: healthcare, direct primary care, insurance deductibles, Texas Health Benefit Plans, telemedicine, police retirement, disability pension, municipalities, law enforcement, retirement benefits, retirement, beneficiary, Employees Retirement System of Texas, divorce decree, beneficiary designation, Veterans' Land Board, general obligation bonds, constitutional amendment, veterans, housing assistance

Transcript Highlights:

• I'm kind of interested in what the comparison is.
• You know, a really interesting topic, right?
• The testimony of the Insurance Commissioner's Office piqued my interest.
• My interest, this committee's interest, is the consumers of Washington state.
• I'm definitely interested in working with you.

Bills: HB2428, HB2399, HB2087

Keywords: life insurance, policy lapse, policy cancellation, nonpayment of premium, premium grace period, lapse notice, termination notice, third-party notice, third-party designee, beneficiary protection, consumer protection, insurance regulation, insurer notice requirements, policyholder, beneficiary, Washington RCW, insurance code, unintentional lapse, coverage continuation, premium delinquency

Summary: The committee held public hearings on three insurance bills. House Bill 2428 would require life insurers to send advance written notice before terminating an individual life insurance policy for nonpayment, including notice of the three-year reinstatement right, and would allow policyholders to designate a third party to receive lapse notices. The prime sponsor and the Office of the Insurance Commissioner said the bill is intended to prevent unintentional lapses, especially for older adults or people with cognitive decline. The life insurance industry supported the consumer goal but asked for a delayed implementation date and noted a need for a small technical amendment. House Bill 2399 would prohibit post-loss assignments of benefits in property insurance, making such agreements void and subject to enforcement by the Insurance Commissioner. The prime sponsor, the OIC, the Washington State Association for Justice, PEMCO, and the National Insurance Crime Bureau all testified in support, saying the practice can let contractors take over claim rights, create leverage for inflated claims, and leave homeowners without control over their own insurance claims after a loss. Members asked about steering by adjusters, whether homeowners could still authorize contractors or direct payment, and the size of the proposed $50,000 fine; witnesses said the bill does not bar direct payment to contractors or other lawful representation and that the penalty would go to the general fund. House Bill 2087 would enact the Washington Travel Insurance Act, largely based on the NAIC model, to regulate travel insurance sales, licensing, disclosures, and unfair trade practices. The sponsor and industry witnesses said the bill would expand consumer choices and standardize rules, while the OIC supported much of the framework but raised concerns about claim adjustment by unlicensed adjusters. The Attorney General’s Office asked for language clarifying that existing discrimination and consumer protection laws still apply. The committee then moved into work sessions on flood insurance, wildfire mitigation recommendations from a prior work group, and a feasibility study on a joint underwriting association for certain child care services, with staff and agency presentations outlining current market conditions and policy options.

Transcript Highlights:

• What I find interesting is that what we heard from the testimony was that there was going to be an amendment

Bills: HB2428, HB2399, HB2087, HB2629, HB2483, HB2477

Keywords: life insurance, policy lapse, policy cancellation, nonpayment of premium, premium grace period, lapse notice, termination notice, third-party notice, third-party designee, beneficiary protection, consumer protection, insurance regulation, insurer notice requirements, policyholder, beneficiary, Washington RCW, insurance code, unintentional lapse, coverage continuation, premium delinquency

Summary: The Consumer Protection and Business Committee met on February 4, 2026, and did not hold public hearings. House Bill 2629 was removed from consideration and not advanced. The committee was briefed on House Bill 2428, which would require insurers to give 30 days’ written notice before an individual life insurance policy lapses for nonpayment and to notify applicants of the right to designate a third party for lapse notices; the committee adopted Representative Ryu’s amendment clarifying the notice applies to nonpayment lapses, adjusting proof-of-delivery language, and adding a January 1, 2027 effective date. The committee also considered House Bill 2399, which would prohibit assignment of post-loss property insurance benefits. Supporters described it as a way to curb predatory assignments that transfer policyholder rights to contractors, while opponents argued it can help homeowners get repairs completed and return home, especially after flooding or other losses. The bill was reported out on a narrow 8-7 vote, with members noting the issue may need further work. House Bill 2087, creating the Washington Travel Insurance Act, was also advanced after a proposed substitute made changes to conflict-of-law language, attorney exclusions, child support-related license suspension, supervision liability, and rate-setting provisions; it passed 12-3. The committee then took up House Bill 2483 on data brokers and a public registry. Members adopted three amendments: one narrowing exemptions for entities with customer or business relationships, one delaying penalties until notice of noncompliance and making the registry public, and one exempting publicly available or already published information. Supporters said the bill would make hidden data practices visible and improve transparency, while opponents warned it was still too broad and could sweep in retailers, public entities, or other unintended actors. The amended bill passed 8-7. Finally, House Bill 2477, with an amendment limiting appraiser liability to clients and named intended users and clarifying appraisal reports, was unanimously reported out of committee. The committee then adjourned after thanking staff on cutoff day.

Transcript Highlights:

• I’ve had, if you follow me, you know my interest: the elderly and children.
• Expanding these interest rates in the state, we're allowing for more offerings to come down.
• I'm just—so we're talking about interest rates of 36, 30, and 24 percent? Yes.
• And it's very interesting, you know, process.
• So that's very interesting and alarming at the same time.

Bills: HB489, HB545, HB555, HB583, HB670, HB672, HB797, HB814, HB913, HB952

Keywords: transfer on death, TOD, beneficiary designation, investment accounts, brokerage accounts, securities, nonprobate transfer, estate planning, succession, probate, community property, forced heirship, financial advisor, broker-dealer, custodian, transfer agent, banking, wealth transfer, inheritance, Louisiana Revised Statutes

Transcript Highlights:

• and righteousness, grant them hearts of humility and discernment, that they may seek not their own interests
• we see young people transformed and And I saw in particular a young woman for whom Texas FFA is interested
• in agriculture and walked out of Texas FFA a state officer in Interested in leadership the line from
• In 1937, Texas BOMA represents the interest of stakeholders in commercial real estate business.

Keywords: legislation, testimonies, committee meeting, public interest, bills

Summary: The committee meeting was conducted with several discussions surrounding various proposed bills, addressing both public interests and legislative concerns. Specific bills were presented, and members debated the implications of each, emphasizing their potential impact on the community and state regulations. Notably, several testimonies were heard from stakeholders, which enriched the conversation and provided different perspectives on the bills being reviewed.

Transcript Highlights:

• Um, in the bond market, we trade at the lowest interest rates. We get ratings regularly.
• We appreciate Representative Bell's interest in the water district creation process and the important

Bills: HB23

Keywords: property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support, youth programs, community education, county population threshold, large county, local government revenue, leasehold interest, possessory interest, county property tax, nonprofit-owned property

Bills: SB 629, SB 1015, SB 2501, SB 2933

Keywords: child support, interest accrual, family law, delinquency, financial judgment

Transcript Highlights:

• Kelly Rasty: We took an interesting approach.
• Senator Bettencourt: So bulk is an interesting question. So you don't have a bulk permit?

Bills: HB17, HB23

Keywords: property tax, school funding, enrollment changes, inflation adjustment, tax rate notice, property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support, youth programs, community education, county population threshold, large county, local government revenue, leasehold interest, possessory interest

Bills: HB17, HB23

Keywords: property tax, school funding, enrollment changes, inflation adjustment, tax rate notice, property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support, youth programs, community education, county population threshold, large county, local government revenue, leasehold interest, possessory interest

Transcript Highlights:

• about their government's activities be in those notices, and there's no detail... ...they're more interested
• But what was interesting about that, compared to others, is that almost every dollar is accounted for
• Okay, so I just want you to know I am very interested to understand if you have an overall picture about
• Interesting.
• We had developer interest trying to defund us, and so the firefighters themselves, out of their own pockets

Bills: HB17, HB23, SB 10

Keywords: property tax, school funding, enrollment changes, inflation adjustment, tax rate notice, property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support, youth programs, community education, county population threshold, large county, local government revenue, leasehold interest, possessory interest

Transcript Highlights:

• Additionally, if a refund is not timely issued within 60 days, the tax assessor must pay 12% interest
• This is especially of interest to me as I represent District 6.
• The law allows a taxing unit to levy an unrestricted INS, interest and sinking property tax rate, to
• In the interest of reforming the INS tax rate setting process with an emphasis on transparency and accountability

Bills: SB263, SB467, SB850, SB1030, SB1352, SB1453, SB2064, SB2206, SB2779, SJR84

Keywords: SB 263, Texas franchise tax, cost of goods sold, COGS, broadcasters, television broadcasting, radio broadcasting, media tax, broadcast license, FCC, 47 C.F.R. Part 73, 47 C.F.R. Part 74, film production, television production, tax deduction, margin tax, Texas Tax Code, depreciation, amortization, broadcast rights

Transcript Highlights:

• And so it's just any interest because it was 3% if you own that much of a food company, that is a whole
• rather than the best interests of the people for the people.
• How do we keep, if we do it in Texas, how do we prevent those conflicts of interest?
• That really goes to the depths of the conflicts of interest on all of this.
• This is why I have it here and it's, this is what I'm talking about with the conflicts of interest.

Bills: HB25, HB38

Keywords: ivermectin, pharmacist authority, prescription-free, healthcare regulation, patient access, interest rate, ad valorem taxes, homesteads, property tax, tax deferral

Transcript Highlights:

• We'd like to uh testify on interesting.
• ><c> federally</c><00:34:27.040><c> also</c> business interest changes federally also business interest
• </c> related to how the business interest related to how the business interest deduction<00:34:45.440
• in taxation EBIT to earnings interest in taxation EBIT to earnings before<00:38:51.040><c> interest<
• </c> 30% limit on business interest. 30% limit on business interest.

Bills: HF3127, HF3816, HF3814, HF3815, HF3817

Keywords: taxation, pass-through entity, qualifying owner, partnership, S corporation, tax return, corporate franchise tax, individual income tax, research expenditures, federal compliance, Minnesota Statutes, income tax, corporate tax, section 179, federal conformity, HF3815, Minnesota taxes, tax conformity, Internal Revenue Code, IRC conformity

Transcript Highlights:

• House Bill 1269 concerns pawnbroker fees and interest rates.
• This is the bill that shortens loan periods, increases interest rates, prep fees, and storage fees, and
• The first striking amendment A by Senator Stanford creates a uniform 5% interest rate for each 3-day
• Financial Institutions to create a statewide electronic database for the reporting and monitoring of interest

Bills: HB1269, HB2624

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights, 904, all

Bills: HB1269, HB2624

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights, 904, all

Transcript Highlights:

• Next, it increases the interest rate for loans greater than $100.
• Pawn loan fees and interest are capped, often costing less than penalties from high-interest lenders,
• Pond loan fees and interest are capped, often costing less than penalties from high interest, lenders
• It's from high-interest lenders, banks, and credit cards.
• The 5% interest only applies to loans for $100 and over.

Bills: HB1269, HB2624

Keywords: pawnbroker, fees, interest rates, consumer protection, financial regulation, real estate transactions, nonprofit, land conservancies, unsolicited offers, property rights, 904, all

Transcript Highlights:

• House Bill 2118 is related to common interest community restrictions on the types of use of a unit.
• For background, a common interest community, or CIC, is a form of real estate where each unit owner or
• homeowner has an exclusive interest in a unit or lot and a shared or undivided interest in common area
• A unit owner's successor in interest is prohibited from claiming an exception to a CCR that was entered
• Unless the successor in interest is owned by or shares ownership with the previous unit owner, or is

Bills: HB2118, HB2236

Keywords: common interest communities, restrictions, property rights, homeowners association, community governance, housing finance, affordable housing, housing commission, state agency, financial assistance, 904, all

Summary: The Housing Committee held public hearings on two bills. House Bill 2118 would limit homeowners associations in common interest communities from adopting or enforcing new covenant restrictions on unit uses that are more onerous than those in place when an owner bought the property, unless the owner agrees in writing. The sponsor said the bill is meant to protect buyers from having the rug pulled out from under them on things like chickens or rental uses and to provide certainty and fairness. Opponents argued it would create fragmented rules within the same community, add administrative and legal complexity, increase costs, and interfere with ongoing efforts to update governing documents under existing law. Several testifiers said Washington courts and current HOA practices already address grandfathering and reasonable protections for existing uses. No vote was taken. House Bill 2236 would update the Washington State Housing Finance Commission’s statutes, including allowing the commission to make direct mortgage loans, extending the term of the commission attorney, removing advance notice to the state finance committee for bond issuance, repealing the housing finance program and plan requirements, and revising the commission’s purpose language. The commission said the changes would modernize outdated 1983-era provisions, improve administrative efficiency, and give it more flexibility to use its revenues and financing tools for gap funding, preservation, and starter home development. Banking groups said they generally support the commission’s mission but want clearer limits on direct lending and the use of public funds, and they were working with the commission on amendments. Committee members asked about bond risk, the source of funds, and whether the bill could be narrowed to avoid unintended exposure of taxpayer money. The hearing closed with no action taken.