Video & Transcript Research : 'consumer debt'

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MN
MN

Minnesota 2025-2026 Regular Session

Commerce Committee Meeting - 2025-04-10

Commerce Finance and Policy

Transcript Highlights:
  • with Undue Medical Debt and our Minnesota hospitals to buy down hospital debt.
  • Undue Medical Debt, Debt, formerly RIP Medical Debt, is a national 501(c)(3) nonprofit founded in 2014
  • of medical debt for St.
  • consumer item.
  • At Undue Medical Debt.
Bills: HF1646, HF2443
Keywords: medical debt, debt relief, healthcare financing, consumer protection, financial hardship, commerce, cannabis, insurance, housing, ombudsperson, affordability, property, task force, financial institutions
MN
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 4/10/25

Commerce Finance and Policy

Transcript Highlights:
  • Medical Debt and our Minnesota hospitals to buy down hospital debt.
  • Medical Debt and our Minnesota hospitals to buy down hospital debt.
  • , the medical debt.
  • , the medical debt.
  • debt.
Bills: HF1646, HF2443
Keywords: medical debt, debt relief, healthcare financing, consumer protection, financial hardship, commerce, cannabis, insurance, housing, ombudsperson, affordability, property, task force, financial institutions, 1183, house
LA
LA

Louisiana 2026 Regular Session

Commerce, Consumer Protection and International Affairs May 6th, 2026

Commerce, Consumer Protection, and International Affairs

Transcript Highlights:
  • we're capping the interest rate at 3% for medical debt.
  • We're capping the interest rate at 3% for medical debt.
  • Just a FYI, like in my district, my hospital, we have monumental debt that we don't even collect.
  • There's so much debt out there that they don't collect already. Anyway, okay, thank you.
  • dollars and give better protection to both those people who are licensed and the consumer.
Bills: SB147, SB414, HB220, HB750, HB799, HB827, HB952, HB953
Keywords: roof standards, construction code, residential property, fortified roofs, insurance, medical debt, interest rate, healthcare services, consumer protection, debt collection, Louisiana Medical Debt Protection Act, child exploitation, online reporting, platforms, cyber crime, PROTECT Act, automatic renewal, cancellation policy, subscription service, transparency
TX
TX

Texas 89th Regular

Pensions, Investments & Financial Services May 5th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • HB 3002 would make it mandatory for all debt collectors seeking to collect a debt in this state. to inform
  • a debt.
  • , consumers of their rights and responsibilities.
  • What goes out to the consumer, the Consumer Financial Protection Bureau nationally promulgated a standardized
  • notice goes out to the... consumer, giving them the 30 days to dispute the debt as the primary issue,
Bills: HB1342, HB2889, HB3002, HB3254, HB4820, HJR40, HJR40
Keywords: private activity bonds, housing, residential rental projects, low-income, affordable housing, bond measures, funding equality, political subdivisions, public communications, election fairness, debt collection, consumer rights, disclosures, Fair Debt Collection Practices Act, settlement agreements, State Board of Education, group benefits program, health insurance, state employees, dependents eligibility
TX
TX

Texas 89th Regular

Pensions, Investments & Financial Services May 12th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • So tax notes offer us the ability to go out and issue small debt instead of big debt.
  • Well, if a city is going to issue debt, they can't issue long-term debt on it because the long-term debt
  • Our debt rate is less than 15% of the total tax rate, so we keep low debts.
  • . ...issue debt.
  • on the bond market and impact to taxpayers by issuing new debt only as older debt retires.
Bills: SB512, SB1024
Keywords: SB 512, Texas Finance Code, money transmission, money services business, money transmitter, money transmission licensee, terms of service, consumer protection, civil penalty, attorney general enforcement, account closure, refund of balance, financial services regulation, payments industry, fintech, prepaid accounts, remittance, licensee compliance, local government debt, municipal finance
MN
MN

Minnesota 2025-2026 Regular Session

Commerce Committee Meeting - 2025-04-01

Commerce Finance and Policy

Transcript Highlights:
  • I'm hoping that changes like these will make a stressful situation for consumers a little easier.
  • My name is Megan Helling, and I'm here today as a consumer.
  • protections in place in our state. in place and consumer protections in place in our state.
  • That's already in the consumer rights protection bill.
  • Of the consumers and also to meet the animal rights.
Bills: HF2543, HF2566, HF2627
Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits
MN
MN

Minnesota 2025 1st Special Session

House Commerce Finance and Policy Committee 4/1/25

Commerce Finance and Policy

Transcript Highlights:
  • Thank you. 2627 is designed to protect consumers 2627 is designed to protect consumers and<00:20:12.679
  • My name is Megan Heling, and I'm here today as a consumer.
  • Protections in place and consumer Protections in place and consumer protections<00:31:58.039>
  • <00:57:41.680> protection animal welfare and consumer protection animal welfare and consumer
  • <00:58:05.920> who and humanely and that the consumers who and humanely and that the consumers
Bills: HF2543, HF2566, HF2627
Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits
AL
AL

Alabama 2025 Regular Session

Alabama Senate County and Municipal Government Committee Mar 18th, 2025

County and Municipal Government

Transcript Highlights:
  • The goal is that they have full notice of the cost of buying debt, and many times you... ...the cost
  • of buying debt, and many times you find that in the smaller populated counties and cities as they're
  • lacking, and they sign the line, do the deal, and realize when values go down, they can't service the debt
  • As you know, bond debt can stretch over consecutive terms, so one council or commission could really
  • It's about debt. Yeah, that's what I... ...buy debt.
Bills: HB134, SB217, SB180, HB157, HB92, HB335
Keywords: vehicle registration, disability access, fines, law enforcement, public accommodation, bond financing, municipal bonds, county debt, local government debt, debt service schedule, bond disclosure, public finance, bond underwriter, county commission, city council, refunding bonds, swap agreements, interest rate swaps, derivatives, fiscal transparency
NV
NV

Nevada 2025 Regular Session

Assembly Committee on Commerce and Labor May 31st, 2025 at 11:30 pm

Commerce and Labor

Transcript Highlights:
  • The consumers do not pay PBMs for this service.
  • The consumers do not pay PBMs for this service.
  • The consumers do not pay PBMs for this service.
  • This means the consumers will face an $8 to $10 administration fee per claim.
  • Consumers will face a higher premium and cost sharing.
Bills: AB93, AB204, AB414, AB504, AB598
Keywords: public employees, police officers, benefits, appropriation, law enforcement, medical debt, collection agency, healthcare, consumer protection, financial assistance, occupational safety, air quality, greenhouse gases, employee monitoring, safety program, hemp, hemp products, cannabidiol, CBD, cannabis
AL
AL

Alabama 2025 Regular Session

Alabama Senate Finance and Taxation Education Committee Apr 2nd, 2025

Finance and Taxation Education

Transcript Highlights:
  • The debt does not become a debt of the state. There is an amendment that is... state.
  • The state doesn't assume any debt of the state, but they need a statute so that they can do that and
Bills: HB315, HB152, HB205, SB184, SB209, HB309, SB280, SB267
Keywords: sales tax, local exemption, Consumer Price Index, tax holiday, clothing tax exemption, school supplies, sales tax exemption, baby supplies, baby formula, maternity clothing, menstrual hygiene products, use tax, exemption, tax conformity, tangible personal property, Alabama Department of Revenue, retail tax, consumer use tax, nonresident, religious publications
TX
TX

Texas 89th 2nd C.S.

S/C on Family & Fiduciary Relationships Apr 7th, 2025

S/C on Family & Fiduciary Relationships

TX
TX

Texas 89th Regular

Senate Committee on Veteran Affairs Apr 29th, 2025

Veteran Affairs

MN
MN

Minnesota 2025-2026 Regular Session

House Agriculture Finance and Policy Committee 3/9/26

Agriculture Finance and Policy

Transcript Highlights:
  • For whatever reason, they're facing a lender who's enforcing a debt that they have taken on under Minnesota
  • If a bank, machinery dealer, or other lender seeks to enforce a debt against a farmer, that farmer has
  • But in many cases, these farmers are able to manage that debt and, most importantly, keep farming.
  • And then thirdly, if you go down that chain farther, what's the return to consumers?
  • Food is a regressive tax on consumers. Everybody has to eat.
Bills: HF3692
Keywords: Farmer-Lender Mediation Act, mediation, agriculture finance, debt relief, civil law, 1183, house
TX
TX

Texas 89th Regular

Pensions, Investments & Financial Services May 19th, 2025

Pensions, Investments & Financial Services

Transcript Highlights:
  • So it would be a little bit more costly if you strictly applied it to the debt.
  • You need to direct it towards repayment of the debt.
  • So we have a lot of debt at the local level, including at the school district level.
  • Standing, we are at $500 billion in total local debt. I would suggest that I'll ask.
  • is just school district debt, so we have $202 billion in school district debt.
Bills: SB414, SB621, SB2395
Keywords: bond election, ballot proposition, debt obligation, municipal bonds, local government finance, property tax, ad valorem tax, school district bonds, county bonds, special taxing district, voter information document, public debt, municipal finance, tax-supported debt, election ballot language, bond transparency, homestead tax impact, capital improvements, general obligation bonds, public bank
KY
KY

Kentucky 2026 Regular Session

Capital Projects and Bond Oversight Committee (8-23-23)

HI
HI

Hawaii 2026 Regular Session

House Chamber - Wed Mar 18, 2026, 12:00PM HST - Day 29

Hawaii House Floor Meeting

MN
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 3/25/26

Commerce Finance and Policy

Transcript Highlights:
  • It consumes them 24 hours a day.
  • And it is a system... consumes them 24 hours a day. consumes them 24 hours a day.
  • protects Minnesota consumers, and protects Minnesota consumers, and rightfully<01:10:23.160>
  • <01:12:33.000> protections, compliance, and consumer protections, compliance, and consumer
  • environment while protecting consumers environment while protecting consumers and<01:31:45.040><
Bills: HF3794, HF4472, HF4410, HF4347, HF4412, HF4398, HF4397, HF4201, HF4199, HF4203, HF3706, HF4071, HF4120, HF4175, HF4188
Keywords: surveillance, price discrimination, wage discrimination, automated decision systems, consumer protections, data privacy, biometrics, school district health insurance, charter school health benefits, employee benefits, public sector health insurance, health insurance survey, Legislative Budget Office, LBO report, premium costs, retiree coverage, broker commissions, third-party administrator, health plan transparency, health reimbursement arrangement
TX
TX

Texas 89th Regular

Senate Committee on Health and Human Services (Part I) Apr 9th, 2025

Health & Human Services

Transcript Highlights:
  • Medical debt remains a significant financial burden for many Texans, often catching patients unaware
  • Through this effort, we can help alleviate the stress of medical debt and provide a pathway for Texans
  • to medical debt.
  • Providing a clear advance notice before initiating debt collection would give patients the opportunity
  • The bill accomplishes this while adding real consumer protections that go far beyond what is required
Bills: SB227, SB269, SB407, SB463, SB527, SB547, SB1283, SB1380, SB1383, SB1511, SB1640, SB1784, SB2069
Keywords: school funding, education reform, state budget, property taxes, equity in education, healthcare policy, vaccines, exemptions, religious beliefs, public health, workplace violence, healthcare facilities, definition expansion, safety regulations, health and safety code, health insurance, anesthesia, pediatric dental services, coverage, medical necessity
TX
TX

Texas 89th Regular

Senate Committee on Health and Human Services (Part II) Apr 9th, 2025

Health & Human Services

Transcript Highlights:
  • A bill as filed, so the filed version of 1383, would have gutted consumer protections for families and
  • balances a more flexible pricing arrangement for referral agencies while holding true to established consumer
  • Lost Occupations Code, Chapter 102-007-a-5, which requires referral agencies to show interested... consumers
Bills: SB227, SB269, SB407, SB463, SB527, SB547, SB1283, SB1380, SB1383, SB1511, SB1640, SB1784, SB2069
Keywords: school funding, education reform, state budget, property taxes, equity in education, healthcare policy, vaccines, exemptions, religious beliefs, public health, workplace violence, healthcare facilities, definition expansion, safety regulations, health and safety code, health insurance, anesthesia, pediatric dental services, coverage, medical necessity
TX
TX

Texas 89th Regular

Health and Human Services (Part II) Apr 9th, 2025

Health & Human Services

Transcript Highlights:
  • want to take a moment to clarify, the bill as filed, so the filed version of 1383 would have gutted consumer
  • balances a more flexible pricing arrangement for referral agencies while holding true to established consumer
  • lost occupations Code chapter 102 007 Li A5, which requires referral agencies to show interested consumers
  • all of the healthcare providers meeting that that consumer stated criteria in the geographic location
Bills: SB 227, SB 269, SB 407, SB 463, SB 527, SB 547, SB 1283, SB 1380, SB 1383, SB 1511, SB 1640, SB 1784, SB 2069
Keywords: school funding, education reform, state budget, property taxes, equity in education, healthcare policy, vaccines, exemptions, religious beliefs, public health, workplace violence, healthcare facilities, definition expansion, safety regulations, health and safety code, health insurance, anesthesia, pediatric dental services, coverage, medical necessity