Video & Transcript Research : 'foreclosures'
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HI
Hawaii 2026 Regular Session
CPC Public Hearing - Thu Feb 5, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- We've got a lot of fraud bills on the agenda and a couple of foreclosure ones.
- We've got a lot of fraud bills on the agenda and a couple of foreclosure ones.
- /c><00:13:57.360>
a <00:13:57.519>couple <00:13:57.680>of <00:13:57.839>foreclosure - the agenda and a couple of foreclosure the agenda and a couple of foreclosure ones.<00:13:59.120
- Next up, HP 1775 relating to foreclosures. a part of uh working on the landlord a part of uh working
Keywords:
eviction, housing stability, tenant screening, court records, writ of possession, foreclosures, public sale, eligible bidders, housing, downpayment, judicial foreclosure, digital financial assets, consumer protection, financial kiosks, refunds, transaction security, HB1642, Hawaii, cryptocurrency ATM, crypto ATM
Summary:
The committee on Consumer Protection and Commerce met on February 5, 2026, and heard testimony on several bills, beginning with HB 227 relating to eviction records. Supporters, including the Public First Law Center and the Office of Hawaiian Affairs, argued the bill would help people who prevail in eviction cases avoid long-term housing harm from online court records, while the Public First Law Center said keeping records off eCourt Kokua would not violate the First Amendment because the records would still be available in person. Members discussed access-to-justice concerns, and a witness said legal aid attorneys could still access the records through the attorney-only Jeff’s system and the court’s access-to-justice room. The chair also asked about precedent, and a witness cited a Hawaii Supreme Court case as supporting removal from the online database rather than sealing records entirely.
The committee then took up HP 1775 relating to foreclosures, but the transcript only shows in-person opposition comments from the Hawaii State Bar Association Collection Law Section, the Hawaii Credit Union League, and the Hawaii Bankers Association. The credit union and banking groups said they had concerns about broader negative impacts on mortgage lending and other requirements, but no detailed discussion or action was captured before the committee moved on. The next measure, HB 1560 relating to consumer protection, drew support from the Office of Consumer Protection and cryptocurrency companies including Coinflip and America Digital, which said they already use wallet-pinning and other safeguards to prevent fraud. AARP Hawaii did not take a formal position but said the bill addressed a real problem, noting that Hawaii residents, especially in Kona, had lost more than $920,000 in 2024 to cryptocurrency ATM scams and arguing that stronger oversight was needed.
The committee also heard HB 1642, which would ban cryptocurrency kiosks. The Office of Consumer Protection supported the ban as the best way to protect consumers from fraud, while Coinflip, Bitcoin Depot, and America Digital opposed it, arguing kiosks provide cash-based access to crypto, especially for unbanked or underbanked consumers, and that targeted regulation would be better than an outright ban. AARP Hawaii took no formal position but strongly emphasized the harm caused by scams, saying victims are often frightened into acting quickly and that kiosk transactions currently lack enough friction or intervention. Finally, HB 1647, also on consumer protection, would impose liability on host businesses that provide space for crypto kiosks. The Office of Consumer Protection warned small businesses might not understand the liability, while Coinflip, Bitcoin Depot, and America Digital opposed the bill, saying it would unfairly shift enforcement duties to host stores and could discourage businesses from hosting kiosks, effectively creating a de facto ban. No votes or final committee actions were taken in the portion of the meeting provided.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am
Joint Committee on Financial Services
Transcript Highlights:
- in pre-foreclosure mediation with homeowners to explore alternatives to foreclosure.
- in pre-foreclosure mediation with homeowners to explore alternatives to foreclosure.
- So many of the homeowners who come to our meetings with foreclosure issues have ...foreclosure.
- Today, I'm working on a foreclosure to unwind a foreclosure where a, what we call a zombie second mortgage
- , let alone a series of foreclosures can have. that even one foreclosure, let alone a series of foreclosures
Summary:
The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens.
A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first.
The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.
MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 3/13/25
Judiciary Finance and Civil Law
Transcript Highlights:
- I'm an attorney at Mid-Minnesota Legal Aid and have worked a lot in the foreclosure arena.
- <00:09:02.519>
process completely stop the foreclosure process completely stop the foreclosure - And then the foreclosure sale can proceed after that.
- Cook replied that he is a foreclosure attorney and has been for the last 34 years.
- Cook replied that he is a foreclosure attorney and has been for the last 34 years.
Keywords:
mortgage foreclosure, redemption, foreclosure surplus, sheriff's sale, junior lienholder, mortgagor, homeowner protections, loss mitigation, dual tracking, foreclosure redemption period, certificate of redemption, certificate of sale, sheriff, county recorder, registrar of titles, homeownership center, lien priority, real property, foreclosure by advertisement, surplus funds
MN
Transcript Highlights:
- sale applies in judicial foreclosures as well as foreclosures of advertisement.
- foreclosure sale applies in two specific foreclosure sale applies in two specific circumstances<00:27
- foreclosures of advertisement. foreclosures of advertisement.
- new subsequent foreclosure. new subsequent foreclosure.
- subsequent foreclosure. subsequent foreclosure.
MN
Minnesota 2025 1st Special Session
House Housing Finance and Policy Committee 2/12/25
Housing Finance and Policy
Transcript Highlights:
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
TX
Texas 89th Regular
Trade, Workforce & Economic Development Mar 12th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- going through with foreclosure.
- So the properties will be posted for foreclosure. or when owners don't pay, and it's a long process.
- And foreclosure really is a remedy of last resort. It's rarely. We rarely have to foreclose.
- Thank You madam chair, you know, I'm not so much concerned about the actual foreclosure.
- I don't think an HOA should be able to go forward with a foreclosure. action for $2,500.
Bills:
HB406
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/24/26
Commerce Finance and Policy
Transcript Highlights:
- 41.760>
see Foreclosure advisers we support see Foreclosure advisers we support see similar<00 over <00:43:22.720>late in foreclosure proceedings over late in foreclosure proceedings- losing their homes through foreclosure losing their homes through foreclosure because<01:20:04.159
- homeowners to uh avoid a foreclosure homeowners to uh avoid a foreclosure process.<01:38:42.880>
- can no longer use mortgage foreclosure can no longer use mortgage foreclosure as<01:44:15.520>
Keywords:
common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2025-04-03
Commerce Finance and Policy
Transcript Highlights:
- Most residential foreclosures are conducted by advertisement, in which the court is not involved.
- Because of that court decision, more foreclosures are taking place by action.
- It's not clear that it's available in a judicial foreclosure.
- they can advise clients that they may. use the postponement tool in a judicial foreclosure.
- It addresses a need in foreclosure law, so I think it's a good bill. Thank you.
Keywords:
foreclosure, mortgage postponement, homeowners, redemption period, Minnesota Statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance
MN
Minnesota 2025 1st Special Session
Committee on Judiciary and Public Safety - 03/24/25
Judiciary and Public Safety
Transcript Highlights:
- Chapter 580 of our code governs foreclosures by advertisement and the foreclosure sales resulting from
- foreclosures by advertisement.
- A lot of these foreclosure speculators and the way it works in these foreclosure situations is if there's
- Chapter 580 of our code governs foreclosures by advertisement and the foreclosure sales resulting from
- foreclosures by advertisement.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 4/3/25
Commerce Finance and Policy
Transcript Highlights:
- Because of that court decision, more foreclosures are taking place by action.
- It's not clear that it's available in a judicial foreclosure.
- they can advise clients that they may use the postponement tool in a judicial foreclosure.
- It addresses a need in foreclosure law, so I encourage members' support. Thank you so much.
- addresses a need in more in foreclosure addresses a need in more in foreclosure law<00:04:27.360
Keywords:
foreclosure, mortgage postponement, homeowners, redemption period, Minnesota Statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance
MN
Minnesota 2025-2026 Regular Session
Committee on Judiciary and Public Safety - Part 1 - 04/04/25
Judiciary and Public Safety
Transcript Highlights:
- applies in judicial foreclosures. applies in judicial foreclosures.
- residential foreclosures are Most residential foreclosures are conducted<01:27:07.199>
by <01: - that court decision, most foreclosures that court decision, most foreclosures are<01:27:25.280><
- Minnesota has a robust foreclosure.
- :40.400>
and foreclosure prevention program and foreclosure prevention program and housing<01:
MN
Minnesota 2025 1st Special Session
House Housing Finance and Policy Committee 3/4/25
Housing Finance and Policy
Transcript Highlights:
- And I know you don't want to prevent foreclosure.
- Maybe this buys you a little time before you get the foreclosure notice for the bad actors.
- I got a foreclosure notice with 30 days' notice for $56.
- <01:25:22.880>
piece <01:25:23.239>in about the Foreclosure piece in about the Foreclosure - or they will proceed re a foreclosure or they will proceed re a foreclosure number<01:31:25.080>
FL
Florida 2026 Regular Session
Appropriations Committee on Criminal and Civil Justice Mar 5th, 2025
Appropriations Committee on Criminal and Civil Justice
Transcript Highlights:
- Within the bill, we delineate, discuss, and clarify extended timeframes for foreclosure sales.
- The bill regards electronic foreclosure sales authorization.
- Remaining funds after a foreclosure sale must be properly distributed by the county clerk.
- I'm not talking about foreclosure.
- Are we talking about foreclosures or are we talking about probate?
Summary:
The Appropriations Committee on Criminal and Civil Justice met with a quorum and first approved SPB 7014, which terminates the state court system’s mediation and arbitration trust fund; staff noted the fund has no current balance and that filing fees were already redirected in 2011. The bill was reported favorably as a committee bill without objection.
The committee then took up CS/SB 48 on alternative judicial procedures for foreclosure sales. Senator Garcia described it as a response to reported abuses in Miami-Dade County, adding longer sale timeframes, stronger notice requirements, rules for alternative sale methods, online auction authorization, and consumer protections for surplus funds. After adopting a technical amendment, members raised concerns about whether the bill was codifying a process they believed should remain with clerks of court and about the new online auction provisions; Senator Garcia ultimately moved to temporarily postpone the bill.
Members also approved CS/SB 322, creating a nonjudicial process for sheriffs to remove unauthorized persons from commercial property, and CS/SB 138, which revises DUI-related language from “intoxicating” to “impairing” and allows judicial circuits to create DUI diversion programs. CS/SB 138 drew opposition from some members and testimony from cannabis advocates and defense lawyers who argued the catch-all language was too broad and could sweep in lawful medications or create testing and expungement issues, but it still passed. The committee further reported favorably SB 130 on wrongful incarceration compensation, extending filing deadlines and removing restrictive bars to compensation, and SB 234, which strengthens penalties for violent resistance against law enforcement officers and clarifies that such resistance can lead to life imprisonment if it results in an officer’s death. Both bills received supportive testimony, though SB 234 also drew concerns from defense lawyers about removing language tied to lawful duty and good faith; the sponsor said the bill preserves defenses while focusing on violent resistance. The meeting then adjourned.
FL
Florida 2025 Regular Session
Appropriations Committee on Criminal and Civil Justice Mar 5th, 2025
Transcript Highlights:
- WITHIN THE BILL WE DELINEATE, DISCUSS AND CLARIFY EXTENDED TIME FRAMES FOR FORECLOSURE SALES.
- COURTS MUST SCHEDULE PUBLIC FORECLOSURES SCALES BETWEEN 45 AND 60 DAYS AFTER FINAL JUDGMENT EXPANDING
- THE BILL REGARDS SALE AUTHORIZATION, COUNTY CLERKS CAN CONDUCT FORECLOSURE AUCTIONS ONLINE INCLUDING
- Ingoglia: NOW I'M TOTALLY CONFUSED, ARE WE TALKING ABOUT FORECLOSURES OR PROBATE?
- ON THE FORECLOSURE ISSUE I AGREE HOUSES SHOULD NEVER HAVE BEEN SOLD >> LET'S KEEP THEM SEPARATE.
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 4/8/26
Housing Finance and Policy
Transcript Highlights:
- c> track pre-foreclosure notices because track pre-foreclosure notices because they<00:57:20.880>
- <00:58:00.200>
crisis We are not in a foreclosure crisis We are not in a foreclosure crisis - ,<00:58:59.280>
housing prevent avoidable foreclosure, housing prevent avoidable foreclosure - , HOA community, I too faced foreclosure, HOA community, I too faced foreclosure, not<01:00:10.480
- And that the foreclosure prevention.
Keywords:
housing, sales tax, homeownership, rent assistance, community stability, education, counseling, financial assistance, housing development, culturally appropriate services, HF1417, manufactured home parks, manufactured housing, mobile home parks, housing development fund, Minnesota Housing Finance Agency, MHFA, infrastructure grants, infrastructure loans, affordable housing
MN
Minnesota 2025-2026 Regular Session
Committee on Judiciary and Public Safety - Part 2 - 04/04/25
Judiciary and Public Safety
Transcript Highlights:
- <02:44:20.560>
are attorney's fees for foreclosure are attorney's fees for foreclosure are - 582.01 which is the mortgage foreclosure 582.01 which is the mortgage foreclosure statute<02:44:
- association to that mortgage foreclosure association to that mortgage foreclosure statute.<03:12
- overarching cap on a foreclosure overarching cap on a foreclosure foreclosure<03:15:28.880>
by - be getting more foreclosures by action. be getting more foreclosures by action.
MN
Minnesota 2025-2026 Regular Session
Common interest communities provisions modified 2/24/26
Minnesota House Floor Meeting
Transcript Highlights:
- Foreclosure advisers we support see similar patterns across the state.
- In the end, 10 homeowners, all Black, were put into foreclosure proceedings.
- In the end, 10 homeowners, all Black, were put into foreclosure proceedings.
- Neighbors were put foreclosure filings.
- losing their homes through foreclosure losing their homes through foreclosure because<01:19:20.640
Summary:
The committee took up Senate File 1750, an HOA/common interest community reform bill, and first adopted the DE9 amendment after the chair moved it to put the bill in the form the author wanted. The bill was described by supporters as a consumer and homeowner protection measure intended to add transparency, dispute-resolution rights, conflict-of-interest rules, and limits on fees and late charges in Minnesota HOAs, which supporters said have grown rapidly and are not adequately covered by current law.
Supporters, including legal aid, the Minnesota Home Ownership Center, and Twin Cities Habitat for Humanity, said the bill responds to longstanding complaints about HOA abuse, lack of transparency, escalating attorney fees, foreclosure-related problems, and management-company conflicts of interest. They argued the revised bill reflects extensive stakeholder work and would help homeowners resolve disputes without costly escalation while improving fairness and accountability.
Opponents, including attorneys and representatives of HOA management interests, argued the bill is too rigid and one-size-fits-all, would raise costs for all homeowners, and could make associations harder to govern. They said fee caps, contract restrictions, procurement mandates, and dispute procedures would increase assessments, reduce flexibility, discourage board service, and create more legal and administrative burden, especially for smaller or financially strained communities. No final vote on the bill itself was taken in the portion provided; the bill was laid over for possible inclusion.
FL
Florida 2026 Regular Session
Appropriations Committee on Criminal and Civil Justice Mar 26th, 2025
Appropriations Committee on Criminal and Civil Justice
Transcript Highlights:
- The amendment strengthens Florida's judicial sales and foreclosure procedures by enhancing transparency
- So 99% of the foreclosure proceedings are going to continue the same way, except for that 1% occasionally
- Unregulated alternatives that we have seen down in the Miami-Dade County area with regards to foreclosure
- The amendment does not extend any time periods for foreclosure and thereby preserves existing creditor
- Foreclosure sales. So for that, I would appreciate your favorable support. Thank you. Thank you.
Summary:
The Appropriations Committee on Criminal and Civil Justice met to review its proposed fiscal year 2025-2026 budget, totaling about $7.6 billion. The chair highlighted funding for the Department of Corrections, including health services, food inflation, and prison population growth; the Department of Juvenile Justice for residential beds and higher food/medical costs; FDLE for a law enforcement apprenticeship program and officer wellness services; justice administration for court-appointed attorney rates and VOCA shortfalls; major IT projects; and court operations, including funding for 29 new judges. Members asked about where the new judgeships would go and whether staffing would accompany them, and staff said the judge positions would be listed later in a conforming bill and that associated court staff were included, but not additional state attorney or public defender staffing. Several members also asked whether the budget addressed pay and staffing shortages in state attorneys’ and public defenders’ offices, and staff said those decisions had not yet been finalized.
The committee then heard public testimony from several speakers who urged more funding for prison safety, medical care, and oversight. Speakers described personal experiences involving deaths or serious harm in correctional facilities and jails, alleging inadequate medical treatment, excessive force, isolation, and failures to investigate. One speaker said her son died after being beaten and denied timely medical care in a correctional facility; another said her son was not receiving adequate health care at Charlotte Correctional; and another described her brother’s death in the Marion County Jail after repeated tasing and pepper spraying. The committee adopted a motion allowing staff to make technical adjustments and then approved the committee’s budget proposal as a recommendation to the full Senate Appropriations Committee.
The committee also took up CS for CS SB 48 on alternative judicial procedures and foreclosure sales. Senator Garcia offered an amendment to standardize judicial sales, increase transparency, limit preferences in bidding, preserve public notice requirements, restrict plaintiff credit bids to the amount of the judgment unless a deposit is posted, and prevent deviations from statutory timelines and procedures from being hidden in court orders. Garcia said the bill was intended to close loopholes and protect homeowners, especially condominium owners, from unfair foreclosure practices. A representative for Auction.com said similar laws have been used in other states and offered to provide data. After debate, the amendment was adopted, and the bill passed the committee favorably on a roll call vote.
AL
Alabama 2025 Regular Session
Alabama House Economic Development and Tourism Committee Mar 5th, 2025
Tourism
Transcript Highlights:
- If they're unable to make that payment, then it goes into foreclosure.
- foreclosure.
- So is there a process before the actual foreclosure?
- process that the law says is like a mortgage foreclosure.
- It's a 10-day notice requirement for foreclosure. 10-day notice requirement for foreclosure, no right
Keywords:
HB145, scrap tires, scrap tire disposal, illegal dumping, ADEM, Alabama Department of Environmental Management, environmental enforcement, Class 2 municipality, municipal court, local enforcement, delegation agreement, primacy, waste management, tire recycling, tire hauling, environmental quality act, misdemeanor penalties, Class A misdemeanor, Class B misdemeanor, Class C misdemeanor
HI
Hawaii 2025 Regular Session
CPC Public Hearing - Wed Mar 12, 2025 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- He warned that homeowners could lose their homes to foreclosure because maintenance fees and assessments
- <00:35:01.440>
their <00:35:01.599>homes <00:35:01.839>to <00:35:02.079>foreclosure - end up losing their homes to foreclosure end up losing their homes to foreclosure because<00:35:
- their properties to um to sales or lose their properties to um to sales or to<00:35:21.800>
foreclosure - so I ask that you do more to foreclosure so I ask that you do more when<00:35:24.119>
you <00:
Summary:
The Committee on Consumer Protection and Commerce met on March 12, 2025, and heard testimony on several bills, with most measures drawing support from state boards, agencies, and industry groups. SB 102 (restaurants) had one supportive testifier and no questions. SB 1367 SD1 (installment loans) drew support from DCCA and other boards, but the chair raised concerns about a proposed $5 debit-card convenience fee, saying it seemed high and suggesting it might be amended downward; DCCA said it would check with industry on the likely impact. SB 1373 SD2 (administrative licensure action against sex offenders) received broad support from DCCA and multiple professional licensing boards, including psychology, physical therapy, naturopathic medicine, chiropractic, dentistry, massage therapy, nursing, optometry, barbering and cosmetology, the Hawaii Medical Board, and HPD.
The committee then heard SB 1142 SD1 (insurance proceeds), which was supported by DCCA, the Council for Native Hawaiian Advancement, AARP, Hawaiʻi Realtors, and the Hawaiʻi Insurers Council, while State Farm offered comments and the Hawaii Bankers Association opposed. Testimony focused on insurance access after the Lahaina wildfires and the need to address underinsured homeowners. The committee also discussed SB 144 SD2 (stabilization of property insurance), with support from the Hawaii Green Infrastructure Authority, AARP, Hawaiʻi Realtors, and the Hawaiʻi Insurers Council, and comments from the Attorney General and DCCA Insurance Division about revising the financing structure and correcting bill language. Opponents and reservationed supporters argued the bill may not help if applicants can still obtain coverage at very high prices, while supporters said it would expand market capacity and provide a safety net as climate-related losses continue.
Finally, SB 253 SD2 (condominium reserves) received support from Hawaiʻi Realtors, CI, and several individual testifiers. Supporters said it would enforce existing disclosure requirements under Act 199 and improve reserve funding transparency, while one individual argued stronger enforcement and an ombudsman-style office would be more effective. The chair reminded testifiers to stay on the bill at hand. No votes or final committee actions were taken during the portion of the meeting reflected in the transcript.