Video & Transcript Research : 'depositor'
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MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/20/25
Commerce Finance and Policy
Transcript Highlights:
- and they're held there until circumstances come to pass where the money is either returned to the depositor
- /c><00:41:53.680>
or <00:41:54.000>it's <00:41:54.240>given returned to the depositor - or it's given returned to the depositor or it's given up<00:41:54.640>
to <00:41:54.800>some - c><00:42:09.280>
the <00:42:09.359>event <00:42:09.599>the <00:42:09.920>depositor - <00:42:10.480>
or accounts in the event the depositor or accounts in the event the depositor
Keywords:
consumer protection, restitution, attorney general, consumer enforcement, unclaimed funds, victim compensation, settlement funds, special revenue fund, general fund, restitution account, consumer fraud, state treasury, eligible consumers, distribution of funds, tax subtraction, income tax, refund, unpaid compensation, Minnesota Department of Revenue, consumer redress
NH
Transcript Highlights:
- <01:27:17.679>
So the depositor and the bank so agree. - So the depositor and the bank so agree.
- In about if the depositor is insolvent?
- Here, when the depositor makes a deposit under the act, it's not the property of the depositor anymore
- And so the creditors of the depositor cannot reach it.
MN
Minnesota 2025-2026 Regular Session
Judiciary Committee Meeting - 2025-04-03
Judiciary Finance and Civil Law
Bills:
HF2233, HF1524, HF1893, HF1396, HF2456, HF2959, HF2300, HF2412, HF3022, HF2825, HF1862, HF1373, HF1039, HF3070
Keywords:
Uniform Special Deposits Act, special deposit, banking law, financial institutions, escrow, escrow account, trust account, security deposit, beneficiary, depositor, creditor process, garnishment, attachment, levy, setoff, recoupment, financial market infrastructure, retirement benefits, compensation, earnest money
MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 4/3/25 - Part 2
Judiciary Finance and Civil Law
Bills:
HF2233, HF1524, HF1893, HF1396, HF2456, HF2959, HF2300, HF2412, HF3022, HF2825, HF1862, HF1373, HF1039, HF3070
Keywords:
Uniform Special Deposits Act, special deposit, banking law, financial institutions, escrow, escrow account, trust account, security deposit, beneficiary, depositor, creditor process, garnishment, attachment, levy, setoff, recoupment, financial market infrastructure, retirement benefits, compensation, earnest money
MN
Minnesota 2025 1st Special Session
House Judiciary Finance and Civil Law Committee 4/3/25 - Part 1
Judiciary Finance and Civil Law
Bills:
HF2233, HF1524, HF1893, HF1396, HF2456, HF2959, HF2300, HF2412, HF3022, HF2825, HF1862, HF1373, HF1039, HF3070
Keywords:
Uniform Special Deposits Act, special deposit, banking law, financial institutions, escrow, escrow account, trust account, security deposit, beneficiary, depositor, creditor process, garnishment, attachment, levy, setoff, recoupment, financial market infrastructure, retirement benefits, compensation, earnest money
MN
Minnesota 2025 1st Special Session
House Judiciary Finance and Civil Law Committee 4/1/25
Judiciary Finance and Civil Law
Transcript Highlights:
- And the reason it's very important that it does that is because in when and if that depositor or, say
- <00:04:21.840>
the <00:04:22.000>person <00:04:22.320>who that the depositor - the person who that the depositor the person who actually<00:04:22.720>
puts <00:04:22.960> - <00:04:33.600>
or because in when and if that depositor or because in when and if that depositor - and the institution to opt depositor and the institution to opt into<00:05:18.880>
this <00:05
Bills:
HF2233, HF1999, HF1995, HF1614, HF2781, HF1775, HF1316, HF2127, HF2521, HF689, HF2380, HF1273
Keywords:
Uniform Special Deposits Act, special deposit, banking law, financial institutions, escrow, escrow account, trust account, security deposit, beneficiary, depositor, creditor process, garnishment, attachment, levy, setoff, recoupment, financial market infrastructure, retirement benefits, compensation, earnest money
FL
Florida 2025 Regular Session
April 2, 2025 - 09:00 AM
Transcript Highlights:
- B, the provision that depositors and a bullion depository shall be insured for 100% A, and this is B,
- the provision that depositors and a bullion depository shall be insured for 100% of their deposit against
- Next, that the depositors are fully covered and sufficient reserves to cover them.
Summary:
The Ways and Means Committee met on April 2, 2025, with a quorum present and took up four bills. The committee first heard HB 4041, which would create the Corkscrew Grove Stewardship District in Collier County to finance and maintain infrastructure such as transportation, utilities, and stormwater systems without changing county regulatory authority. The bill drew no opposition, was reported favorably, and passed 14-0.
The committee then considered HB 1485, which repeals Florida’s aviation fuel tax provisions. The sponsor argued the change would simplify the tax code, attract airline investment, and support lower fares and more routes. Members raised concerns about the estimated recurring $22.8 million impact on the State Transportation Trust Fund and $2 million on general revenue, and airport representatives warned of reduced grant and development funding, especially for general aviation and municipal airports. Supporters said the change would increase competition and fuel sales in Florida. The bill was reported favorably on a 12-5 vote.
Next, the committee heard HB 999, which would recognize gold and silver as legal tender, allow electronic debit access to bullion accounts, and remove tax burdens on transactions involving precious metals. The sponsor and supporters described the bill as a way to protect purchasing power and provide an alternative parallel to the dollar, while opponents and some members raised concerns about consumer protections, predatory practices, privacy, and the role of the Office of Financial Regulation in rulemaking. After extensive testimony, the bill was reported favorably 19-0.
Finally, the committee considered PCB WMC 25-01, which would reduce the state sales tax rate from 6% to 5.25% and also lower several related taxes, including the business rent tax, nonresidential electricity tax, mobile home sales tax, and coin-operated amusement machine tax. The proposal was estimated to reduce revenue by about $5.5 billion annually. Members discussed impacts on the budget, education funding, and whether savings would reach consumers, while supporters emphasized relief for Floridians and business competitiveness. The bill passed unanimously 19-0 and was reported favorably. The chair then noted a prior procedural apology on the record, and the meeting adjourned.
MN
Minnesota 2025-2026 Regular Session
Judiciary Committee Meeting - 2025-04-01
Judiciary Finance and Civil Law
Transcript Highlights:
- More precisely, it creates a certainty that the depositor—the person who actually puts the money into
- of that person, and the reason it's very important that it does that is because when and if that depositor
- So what this act does is it allows the depositor and the institution to opt into this framework.
Bills:
HF2233, HF1999, HF1995, HF1614, HF2781, HF1775, HF1316, HF2127, HF2521, HF689, HF2380, HF1273
Keywords:
Uniform Special Deposits Act, special deposit, banking law, financial institutions, escrow, escrow account, trust account, security deposit, beneficiary, depositor, creditor process, garnishment, attachment, levy, setoff, recoupment, financial market infrastructure, retirement benefits, compensation, earnest money
WY
Wyoming 2026 Regular Session
House Minerals, Business & Economic Development Committee, March 2, 2026
Minerals, Business & Economic Development
Transcript Highlights:
- So, they have to go ask their depositors for that.
- So, they have to go ask their depositors for that.
- Senate file All members were voting on Senate file 55<00:39:40.800>
special <00:39:41.200>depositor - <00:39:42.079>
special <00:39:42.560>purpose 55 special depositor special purpose 55 - special depositor special purpose depository<00:39:43.760>
institution <00:39:44.320>amendments
FL
Transcript Highlights:
- Most of the largest depositors in these banks are law firms.
- Most of the largest depositors, account and a separate account from their operating account.
- Most of the largest depositors in these banks are law firms.
Summary:
The committee heard several bills and amendments, beginning with CS/SB 498 on trust fund interest for IOTA accounts. The sponsor said a 2023 Florida Supreme Court rule sharply increased interest paid into legal aid funding, creating a windfall and making participation difficult for banks. An amendment was adopted requiring savings institutions to pay the higher of 0.25% or the highest comparable rate offered on certain non-IOTA accounts, and the bill then passed favorably after testimony from banks, legal aid representatives, and other stakeholders both supporting and opposing the measure.
The committee also approved CS/SB 232, which clarifies Florida’s consumer collection law applies only to phone calls during restricted hours and not emails or text messages, after a delete-all amendment and supportive testimony from industry groups. It then approved SB 132, as amended, to designate gold and silver as legal tender and set rules for custody, audits, electronic transfer, and government acceptance of payments; supporters called it a sound-money measure, while the banking association said it still had unresolved technical concerns.
Later, the committee passed SB 1466 to create a trust fund for the My Safe Florida Home Program, with an amendment funding it from 20% of collected insurance premium tax revenue. It also considered SB 1206 on transportation network company insurance, reducing coverage during the “dead-leg” period before a rider is picked up from $1 million to lower limits; the bill drew sharp opposition from trial lawyers and support from insurers and some business groups, and the committee adopted a clarifying amendment before reporting the bill favorably. Finally, CS/SB 924 on fertility preservation for cancer patients was amended several times to narrow scope and clarify coverage rules, then passed favorably after debate over cost, preauthorization, and post-treatment storage obligations. The committee adjourned after allowing technical and conforming changes to implement the adopted amendments.
NH
New Hampshire 2025 Regular Session
House Executive Departments and Administration (01/29/2025)
Transcript Highlights:
- He concluded that the manager would represent the depositors, rather than the banks that want to do business
- /c><03:40:49.600>
way <03:40:50.239>for <03:40:50.600>the <03:40:51.199>depositors - safe and liquid way for the depositors safe and liquid way for the depositors so<03:40:53.359>
- <03:40:55.840>
the so the manager would represent the so the manager would represent the depositors- again versus the banks who depositors again versus the banks who want<03:40:59.199>
to <03:40: - <03:40:55.840>
Summary:
The committee held a public hearing on House Bill 233, which would impose transparency and reporting requirements on the New Hampshire Vaccine Association. The prime sponsor, Representative Comto, said the bill and a proposed amendment were intended to increase public access by requiring a physical meeting location, making meetings available online, and publishing a complete list of vaccines and pharmaceutical products purchased. She argued the association should be more transparent because it is involved in vaccine purchasing and public trust is important, especially given controversy around vaccines.
Committee members questioned the sponsor about the association’s legal status, who sets vaccine requirements, whether other private entities would be covered, and whether the proposal should instead apply more broadly to all meetings or include recordings. The sponsor said the association was created by the legislature, that childhood vaccine requirements come from DHHS and CDC-related processes, and that she would be open to broader recording requirements. Some members raised concerns about misinformation and whether requiring answers to public questions could be problematic in a contentious policy area.
Patrick Miller, executive director of the Vaccine Association, and attorney Mark McHugh testified in opposition. They described the association as a not-for-profit voluntary corporation created by statute in 2002 to serve as a funding mechanism for the state’s universal childhood vaccine purchase program, with no policymaking role and no public funding. They said the association already posts notices, agendas, minutes, and allows public webinar access and comments, while also providing annual audits and reports and other statutory reporting. They argued HB 233 would impose unnecessary administrative costs on a private entity, interfere with its limited charitable purpose, and ultimately increase costs borne by insurers, employers, and consumers. No vote or final action was taken during the hearing.
US
US Federal 2025-2026 Regular Session
Organizational business meeting to consider an original resolution authorizing expenditures by the committee during the 119th Congress; to be immediately followed by hearings to examine the real impacts of debanking in America. Feb 5th, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- It closes Friday evening, Monday morning, ensuring depositors have full access to their money.
- The single largest depositor at Silicon Valley Bank was a crypto stablecoin company.
- Valley Bank was being closed under normal operations, which would have incurred losses on uninsured depositors
US
US Federal 2025-2026 Regular Session
Hearings to examine managing risk for the long-term in the 7(a) loan program, focusing on hearing from lenders. Feb 26th, 2025 at 01:30 pm
Small Business and Entrepreneurship Committee
Transcript Highlights:
- Banks necessarily say no to some applicants in order to protect their depositors and shareholders. and
- Referring banks keep their customers as depositors and continue to provide other banking services to
Keywords:
SBA, 7A loan program, underwriting standards, loan defaults, Community Advantage Program, small business funding, testimony
Summary:
The committee meeting focused on discussions regarding the SBA's 7A loan program and its implementation challenges. Members raised significant concerns about recent changes to the underwriting standards, which have been criticized for leading to an increase in loan defaults. Ranking members expressed a desire for a return to stronger guidelines to protect taxpayers and ensure the program remains a viable source for small businesses struggling to secure funding. Testimonies from community lenders highlighted their efforts to support underserved communities and stressed the importance of the Community Advantage Program.
NH
New Hampshire 2026 Regular Session
House Commerce and Consumer Affairs (01/29/2026)
Commerce and Consumer Affairs
Transcript Highlights:
- However, now the special deposit has to be designated as such by the depositor who puts up the money
- It's only if the bank and the depositor agree.
- No bank has to enter into a special deposit under the act, and no depositor needs to.
- Or is it the bank and the depositor?
- >> It's up to the bank and the depositor >> It's up to the bank and the depositor but
US
US Federal 2025-2026 Regular Session
Hearings to examine bipartisan legislative frameworks for digital assets. Feb 26th, 2025 at 01:30 pm
Senate Banking, Housing, and Urban Affairs Subcommittee on Digital Assets
Transcript Highlights:
- We must ensure that the use of digital assets does not lead to risk to depositors or the government backstops
- The priority is to make sure that depositors can have access to their deposits as quickly as possible
Keywords:
Digital Assets, Bitcoin, Stablecoins, Legislation, Bipartisan, Consumer Protection, Regulatory Framework, Financial Innovation, Testimony
Summary:
The inaugural meeting of the Digital Assets Subcommittee brought a wave of excitement and anticipation regarding the future of digital assets, including Bitcoin and stablecoins. Chair Lummis expressed gratitude towards Senator Scott for establishing the subcommittee, indicating a commitment to promote responsible innovation while safeguarding consumers. Members discussed the necessity for a bipartisan legislative framework to regulate digital asset markets effectively while outlining the potential benefits such legislation could have on enhancing financial inclusion and streamlining payments. The meeting featured expert testimonies from key figures in the digital asset industry, highlighting the importance of creating clear regulatory guidance for digital assets to foster innovation without compromising consumer protections.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, May 19, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- that helps banks attract, retain, and diversify their funding sources while simultaneously giving depositors
- <05:08:07.200>
greater simultaneously giving depositors greater simultaneously giving depositors - 2007, there have been at least 37 bank failures where emergency tools were not used to protect depositors
- 2007, there have been at least 37 bank failures where emergency tools were not used to protect depositors
- These deposits can provide smaller institutions with access to depositors and funding relationships that
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 11:00 am
Joint Committee on Financial Services
Transcript Highlights:
- And just to clarify, a Mass public bank would not be a retail bank for depositors, but one that would
- — To clarify, a Mass public bank would not be a retail bank for depositors, but one that would hold public
Summary:
The committee held an informational opening hearing for the Financial Services Committee, with Chair Murphy and Senator Feeney introducing new and returning members and explaining that no bills were being heard that day beyond brief introductory testimony. Commissioner of Banks Mary Gallagher thanked the committee for last session’s money transmission modernization law, and several members echoed appreciation for her office’s work. The hearing then featured a long series of stakeholder introductions and overviews of their priorities for the session.
Testimony covered a wide range of financial, insurance, housing, health care, and consumer issues. Banking and mortgage groups discussed housing affordability, foreclosure delinquencies, flood insurance, regulatory changes, and the impact of federal policy shifts. Insurance representatives raised concerns about auto and homeowners market pressures, labor rates, tariffs, rebates, e-titling, third-party litigation funding, and public adjuster restrictions. Consumer and advocacy groups highlighted debt collection reform, earned wage access, retirement savings access, public banking, and consumer protections in financial services. Several speakers also emphasized the need for committee expertise and offered themselves as resources for future bills.
Health-related organizations focused on insurance mandates, prior authorization, behavioral health access, pharmacy benefit manager reform, community health center funding, maternal health and midwifery reimbursement, and anesthesia reimbursement parity. Other groups, including credit unions, retailers, auto dealers, dental and medical associations, and behavioral health providers, described their roles in the Commonwealth and previewed legislation or policy areas they expect to follow this session. No votes were taken; the meeting was informational and ended after testimony from the sign-up list and a few late additions.
FL
Florida 2025 Regular Session
February 19, 2025 - 01:00 PM
Transcript Highlights:
- which would be a paragraph C at line 42 stating that, at the time of posting a cash bond, a cash depositor
Summary:
The Criminal Justice Subcommittee met with a quorum present and considered two bills. HB 59, by Rep. Koster, would expand Florida’s wrongful incarceration compensation process by extending the filing deadline from 90 days to two years, removing the statute’s clean hands provision, and allowing exonerees to choose between a civil lawsuit and the state compensation process. Supporters from criminal defense, innocence, civil liberties, and justice reform groups appeared in support, and members spoke favorably about the bill’s purpose. A technical amendment was adopted to align the bill with the Senate companion and remove conflicting statutory language. The committee then voted 17-0 to report HB 59 favorably as amended.
The committee next heard HB 243, by Rep. Andrade, which would prevent cash bond funds posted by third parties from being automatically used to satisfy a criminal defendant’s fines, fees, or judgments. The sponsor said the bill protects third-party depositors, while some members raised concerns about clerk revenue, bail incentives, and whether third-party organizations posting bonds should be treated differently. Rep. Gottlieb indicated he would support an amendment allowing a cash depositor to authorize those funds to be used for costs at the time of posting, and the sponsor said he would accept that concept. Public testimony was in support from Florida Smart Justice Alliance and the Florida Association of Criminal Defense Lawyers. After debate, the committee voted 15-3 to report HB 243 favorably. The meeting then adjourned.
OK
Oklahoma 2026 Regular Session
9-1-1 Management Authority Apr 2nd, 2026 at 01:30 pm
AL