Transcript Highlights:

• Lenders originating conventional loans may only charge a single service charge not exceeding 1% of the
• may only charge a single service charge may only charge a single service charge not<00:06:48.000
• <00:09:28.680> so whatever they may need for financing so whatever they may need for financing
• educated and had really strong Finance educated and had really strong Finance background<01:31:32.600
• <01:38:14.480> and and I'm 100% with you on finance and and I'm 100% with you on finance and

Bills: HF1865, HF2014, HF2028

Keywords: mortgage, qualified mortgage, QM, points and fees, conventional loan, consumer lending, home loan, residential real estate, lender fees, service charge, finance charge, closing costs, Minnesota Statutes 47.20, housing finance, borrower protections, cooperative apartment loan, contract for deed, real estate lending, foreclosure, notice requirements

Transcript Highlights:

• I call this meeting of the Committee on Energy Finance and Policy to order. Uh, we have a quorum.
• Electric Co-op or the munity charges Electric Co-op or the munity charges that<00:35:03.920>
• 05.839> them that person retail power charges them that person retail power charges them the<00
• the inome there was income they charged the inome there was income they charged somebody<00:35:30.480
• <00:54:02.799> and 2040 um HF 845 standby charges and 2040 um HF 845 standby charges and reduced

Bills: HF845

Keywords: net metering, distributed generation, solar energy, rooftop solar, renewable energy, utility rates, electric cooperatives, municipal utilities, public utilities, Public Utilities Commission, net billing, bill credits, cost of service study, standby charge, qualifying facility, energy policy, clean energy, customer generation, interconnection, Minnesota Statutes 216B.164

Transcript Highlights:

• Mortgage loans in amounts set by the finance code or the finance commission by rule.
• Charge agreements to remit 50 cents to the comptroller for every delinquency charge that is in excess
• But that is completely more consumer financing versus what you call business financing, correct?
• Putting a service charge or a credit card service charge, you know, on guests.
• Yes, there are people who are charging for health care. They're charging for this and that.

Bills: HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175, HB245

Keywords: military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees, payroll deductions, retirement plans, fiscal transparency, local government, bond issuance

Transcript Highlights:

• Billion annually in swipe fees at a rate seven times what they charge Europeans.
• If you're charging... I've got a problem; we’ve got a problem with all of them.
• Visa and MasterCard are setting the fees that the banks are charging.
• These monies come from fees that we have to charge.
• Fees that are charged on these transactions.

Bills: HB245, HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175

Keywords: property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees

Bills: HB220, HB259, HB463, HB536, HB750, HB830, HB950

Keywords: child exploitation, online reporting, platforms, cyber crime, PROTECT Act, excavation, demolition, infrastructure repair, BEAD Program, utility damage, construction coordination, contact point, emergency services, telephone charge, wireless service, reporting requirements, communications district, wireless communication, school safety, community permits

Transcript Highlights:

• And so my problem is, ...that my businesses are being charged more than 2%.
• I don't know what the other ones are being charged.
• Are we aware of any charges that are being, are any retailers being charged more than 3.5%?
• So if I'm a credit card provider and I'm charging five and a half... Amount.
• I mean, the intent was just to recoup what they're being charged.

Bills: HB1268, HB3041, HB3075, HB3378, HB3463, HB3619, HB3620, HB3624, HB3722, HB4335

Keywords: retirement, public employees, deferred option plan, service credit, contributions, distributions, credit card transactions, payment methods, service charge, consumer rights, financial regulation, rounding, cash payments, public finance, Oklahoma Common Cents Act, political subdivision, science and technology, research, board appointments, emergency legislation

Bills: HB609, HB630, HB654, HB676

Keywords: oyster mariculture, aquaculture, farming, water quality, regulations, outboard motors, certificate of title, vessel regulation, Texas Parks and Wildlife Code, marine documentation, hunter education, criminal charge, illegal hunting, mule deer, white-tailed deer, sustainability, wildlife conservation, unmanned aircraft, wildlife retrieval, Hunting

Bills: HF1141

Keywords: housing, finance, affordable housing, infrastructure bonds, Minnesota Housing Finance Agency, supportive housing, homeless prevention, elderly assistance, community development

Transcript Highlights:

• You're in charge of drafting it, by the way. Yes.
• We've seen fit to do that for our personal finances, and for folks wanting to buy a home, it makes sense
• potential repayment of that looks like. ...Just like you would go buy a car, you'd want to know what that finance
• charge is going to be and what your payments are going to be.
• But if you're trying to get a quick rough estimate of the finance cost... ...associated with a given

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

Transcript Highlights:

• you've made the point, Chairman, uh, about drug-related issues that, you know, there, who's, who's in charge
• develop a comprehensive package of tax incentives, properly conditioned and controlled public-private financing
• you're unfamiliar, if you're unfamiliar, current law allows tax-exempt private activity bonds to finance

Bills: HB176, HB180

Keywords: tax, ad valorem, voter-approval, local government finance, property tax, repeal, tax rates, school finance, tax reduction, compressed tax rate, education, funding

Transcript Highlights:

• You know, they're charging kids $30.
• So, this allows them to recoup the actual amount that they're being charged.
• Speaker, members, basically This works with the home part of the Oklahoma Housing Finance Agency.
• House Bill 3372 will provide access to lower-cost financing for high performing charter schools that
• They're having to use that to pay the financing costs on buildings that they are currently building.

Bills: HB2997, HB2021, HB3041, HB1823, HB3372, HB1427, HB3127, HB3128, HCR1020, HB4198, HB3000, HB3001, HB3002, HB3003, HB3004, HB3005, HB3006, HB3007, HB3008, SB392, HB3320

Keywords: motor vehicles, administrative fines, license regulation, state agencies, employment levels, after-school programs, grant funding, community organizations, child care, Oklahoma Department of Human Services, credit card transactions, payment methods, service charge, consumer rights, financial regulation, housing finance, Oklahoma Housing Finance Agency, publication requirements, housing policy, state regulations

Transcript Highlights:

• Currently, the finance code requires holders of retail charge accounts. also known as layaway agreements
• , to remit $0.50 on the dollar to the comptroller for every delay. charge that is in excess of $10.
• However, no fees have been collected from these delinquency charges since fiscal. year 2019 and the Finance
• He said he was too busy. charged with four felonies.
• She remained in charge of public information requests and just ignored it.

Bills: HB 431, HB 1522, HB 1922, HB 2467, HB 2468, HB 3228, HB 3229, HB 3306, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 4344, HB 4386, HB 4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

Transcript Highlights:

• Currently, the finance code requires holders of retail charge accounts, also known as layaway agreements
• , to remit 50 cents on the dollar to the comptroller for every delinquency charge that is in excess of
• However, no fees have been collected from these delinquency charges since fiscal year 2019.
• In Taft, a city secretary was arrested and charged with 4 felonies.
• She remained in charge of public information requests and just ignored every request.

Bills: HB 431, HB 1522, HB 1922, HB 2467, HB 2468, HB 3228, HB 3229, HB 3306, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 4344, HB 4386, HB 4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

Transcript Highlights:

• Currently, the Finance Code requires holders of retail charge accounts, also known as layaway agreements
• , to remit 50 cents on the dollar to the Comptroller for every delinquency charge that is in excess of
• However, no fees have been collected from these delinquency charges since fiscal year 2019, and the Finance
• In Taft, a city secretary was arrested and charged with four felonies.
• She remained in charge of public information requests and just ignored every request.

Bills: HB431, HB1522, HB1922, HB2467, HB2468, HB3228, HB3229, HB3306, HB3803, HB3804, HB3805, HB3806, HB4219, HB4238, HB4344, HB4386, HB4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

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.

Transcript Highlights:

• Currently, the Finance Code requires holders of retail charge accounts, also known as layaway agreements
• We remit 50 cents on the dollar to the Comptroller for every delinquency charge that is in excess of
• However, no fees have been collected from these delinquency charges since fiscal year 2019, and the Finance
• In Taft, a city secretary was arrested and charged with four felonies.
• She remained in charge of public information requests and just ignored every request.

Bills: HB431, HB1522, HB1922, HB2467, HB2468, HB3228, HB3229, HB3306, HB3803, HB3804, HB3805, HB3806, HB4219, HB4238, HB4344, HB4386, HB4739

Keywords: HB 431, Texas Property Code, Property Code Chapter 202, solar roof tiles, solar shingles, solar energy device, homeowners association, HOA, property owners' association, POA, renewable energy, residential solar, distributed solar, roof-mounted solar, homeowner rights, architectural control, open meetings, public notice, transparency, government efficiency

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.

Transcript Highlights:

• morning and welcome to the March 3rd, 2026 committee hearing of the Minnesota House Commerce and Finance
• Larson whether he understood Representative Van Binsbergen’s question about what kind of fees or charges
• a consumer may have at the or or charges a consumer may have at the or a<00:37:55.040> member
• My name is and members of the House<00:59:17.520> Commerce,<00:59:17.920> Finance<00:59
• :18.240> and<00:59:18.400> Policy House Commerce, Finance and Policy House Commerce, Finance

Bills: HF3604, HF2236, HF3709, HF3766, HF2400

Keywords: bulk fuel, nonoxygenated gasoline, environment, exemption criteria, transportation, HF2236, Minnesota commerce, obsolete language, statutory cleanup, retail installment contract, consumer credit, vehicle financing, auto loans, retail buyer, retail seller, delinquency charge, collection fee, attorney fees, assignment notice, payment receipt

Summary: The committee first approved the minutes from February 26, after correcting the header date to Thursday, February 26. It then took up House File 36004, as amended by the author’s technical A1 amendment. Representative Van Binsbergen described the bill as a change to statute governing bulk delivery of nonoxygenated fuel, especially for boats and other watercraft, to allow direct delivery to vehicles rather than requiring transport of fuel in containers or removal of boats from the water. Members generally supported the concept, citing convenience for lake users, reduced travel and potential invasive species spread, and fewer spill risks, but the chair said the bill would be laid over pending additional clarification from the State Fire Marshal’s Office and other agencies. House File 2236 was then introduced as a vehicle bill for possible future omnibus use and laid over without testimony or opposition. The committee also heard House File 3709, which would allow Minnesota banks and credit unions to offer custodial accounts for digital assets such as cryptocurrency. The authors framed the bill as a consumer-protection and competitiveness measure that would let local institutions keep pace with customer demand and prevent Minnesotans from relying on out-of-state or offshore providers. Testimony from the Department of Commerce and credit union representatives supported the bill, saying it would level the playing field, keep digital assets under Minnesota oversight, and help local institutions remain relevant; one witness said significant liquidity had been leaving local communities for outside exchanges. Questions from members focused on whether the accounts would be NCUA-insured, how the bill related to unclaimed property, and whether the policy goal was consumer protection or simply preserving bank relevance. Several members expressed support but also cautioned about crypto volatility, scams, and the need to avoid turning credit unions into exchanges. The discussion ended without a final vote in the excerpt, with the bill still under committee consideration.

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=e67OjfahPY0, 2026-06-21T07:17:07+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:01:08 Attendance Roll Call: 00:01:15 Charge of the Task Force Co-Chair Senator Mays Bledsoe: 00:02:02 Co-Chair Representative Bray: 00:03:23 Overview of Artificial Intelligence in the Private Sector Ryan Harkins, Senior Director, Public Policy U.S. Government Affairs, Microsoft: 00:04:35 Overview of Artificial Intelligence in the Public Sector Doug Robinson, Executive Director, NASCIO: 01:03:20 Adjournment: 01:55:00, 958, all, 2.2.42, 2.1.47

Transcript Highlights:

• I mean, I think finance filings and processes.
• It requires care and treasurers to complete campaign and finance training every two years.
• It's $1.5 million to streamline campaign finance laws.
• Where is the current list of campaign finance violations?
• House Bill 448 is also related to campaign finance.

Bills: HB344

Keywords: campaign finance, elections, transparency, political committees, reporting requirements, enforcement

Summary: The Senate Elections and Government Affairs Committee heard several election- and campaign-related bills. House Substitute 2 for House Bill 155 would make Public Integrity Commission reports publicly available on the commission’s website, add a specific travel-expense reporting category, and remove the FOIA requirement for accessing reports; Senator Richardson said he supported the transparency measure and asked to be added as a co-sponsor. The committee also took up House Bill 444, the Delaware John Lewis Voting Rights Act, which would create state protections against voter suppression and vote dilution, expand language access, prohibit intimidation and deception, and allow court remedies for violations. The bill drew strong support from advocacy groups including YWCA Delaware, the League of Women Voters, the ACLU, and the Legal Defense Fund, and several senators voiced support and interest in moving it quickly. House Bill 430, a constitutional amendment proposal, would make explicit that only natural persons may vote in Delaware elections, including municipal elections, in response to concerns about corporate or other artificial-entity voting in some towns. The discussion focused heavily on Fenwick Island, where the mayor testified that the town’s charter has long allowed certain artificial entities to vote in local elections and said the system is limited and has worked for years; other speakers argued the bill was needed to prevent corporate dilution of residents’ votes. Senator Richardson expressed concern about restricting entities with a local stake, while Senator Hoffner and others emphasized the principle of one person, one vote. Senator Townsend presented House Bill 344, which would tighten campaign finance rules by requiring Delaware bank accounts for candidates and committees, recurring training, better documentation of candidate loans, longer record retention, automatic filing extensions, and inactive status for noncompliant committees; one public commenter opposed the bill on cost grounds. He also presented House Bill 448, which would allow campaign funds to be used for reasonable security expenses for candidates and elected officials, with guardrails, and a commenter suggested allowing electronic security systems without a cap. Finally, the committee heard House Bill 472, a local de-annexation measure for Noble’s Pond in Cheswold to remove scattered residential lots from town boundaries and resolve uneven tax treatment; Senator Hoffner noted local law enforcement supported the change. The committee adjourned after hearing no further public comment on HB 472, and the vote to adjourn was unanimous.

Transcript Highlights:

• I will, um, convene the Education Finance Committee for April 16th.
• that has come out of education finance. that has come out of education finance.
• You know, we've heard ideas in education finance committee here.
• Education finance is complicated and can be also very emotional because we're talking about our kids.
• Uh, education finance<01:41:57.199> is<01:41:57.440> complicated<01:41:58.320> and

Bills: HF4893

Keywords: education finance, student support, aid allowances, appropriation, school funding

Transcript Highlights:

• outstanding Arizona Public School Credit Enhancement Program obligations or outstanding guarantee financing
• by the board or 30 days after the retirement of all program funding obligations and guaranteed financings

Bills: SB1210, SB1370, SB1422, SB1423

Keywords: private postsecondary education, nondomiciled institutions, tuition recovery fund, accreditation, regulations, patriotic youth groups, public school, civic involvement, educational purpose, discrimination, youth access, credit enhancement eligibility board, school financing, public schools, financing assistance, bonding, debt obligations, guaranteed financings, program sunset, statutory continuation

Summary: The Senate Education Committee considered three bills. SB 1210 would create a separate out-of-state registration process for private post-secondary institutions domiciled outside Arizona that enroll Arizona residents in fully online programs, require certain disclosures and financial protections, and extend student tuition recovery fund protections to those students. Testimony from the Arizona Private School Association supported the bill as closing a regulatory loophole and protecting Arizona students; the committee moved it forward with a due pass recommendation by a 7-0 vote. SB 1370 would allow principals, during the first quarter of the school year, to let eligible patriotic youth groups address students and distribute materials, and would prohibit public schools from discriminating against such groups based on membership criteria or oath requirements. The sponsor’s representative said the bill would allow, not require, access and would expand a list of youth groups that has not been updated since 1978. The committee approved the bill with a due pass recommendation by a 7-0 vote. SB 1422 would continue the Credit Enhancement Eligibility Board until July 1, 2036, with termination tied to the retirement of outstanding obligations, and SB 1423 would continue the Western Interstate Commission for Higher Education until July 1, 2036. Both bills were described as continuations of existing programs; WICHE’s president testified in support of SB 1423 and noted the state’s long partnership with the organization. The committee passed both bills with due pass recommendations, each by 7-0 votes, and then adjourned.