Transcript Highlights:

• ,</c><00:02:28.160><c> is</c> number 101, guardianship protections, is number 101, guardianship protections
• </c> with during the long-term homeowners with during the long-term homeowners testimony.<00:26:06.880
• </c> um come in through an adult protection um come in through an adult protection space<01:01:47.920
• </c> taking responsibility for protecting taking responsibility for protecting this<02:08:58.800><c>
• They deserve deserve protection.

Bills: HB0101, HB0062, HB0109

Keywords: guardianship, monitoring, ward protection, financial independence, case management, governmental claims, liability limits, inflation adjustment, public safety, local government insurance, property tax, tax exemption, homeowner, armed forces, residency requirement, 916, all

Transcript Highlights:

• So this levels the playing field, both for the carriers and the homeowners.
• So this levels the playing field, both for the carriers and the homeowners.
• Delayed claims hurt homeowners.
• One homeowner files a claim.
• I would urge members to think about their own homeowners policy.

Bills: HF4881, HF4867, HF4422, HF4223

Keywords: healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value

Transcript Highlights:

• This is a straightforward consumer protection bill responding to a growing and well-documented problem
• This legislation was developed in coordination with DOJ's Consumer Protection Unit and is supported by
• a broad coalition, including AARP, NCAC, NAACP, CLASSY, and consumer protection attorneys with decades
• At its core, this bill helps level the playing field, protecting homeowners, supporting reputable contractors
• , and complete homeowners.

Bills: HB89, HB328, HB344, HB365, HB283, HB89, HB328, HB344, HB365, HB283

Keywords: home improvement, consumer protection, consumer fraud, dispute resolution, mediation, contractor registration, home repair, renovation, homeowner, building contractor, construction fraud, treble damages, attorney fees, Department of Justice, Division of Consumer Protection, Department of Labor, good faith, unfair trade practices, Delaware, regulations

Summary: The Senate Elections and Government Affairs Committee met in hybrid format, approved the June 10 draft minutes, and then heard a long agenda of bills. HB 89 (home improvement fraud dispute resolution) was presented as a consumer protection measure developed with DOJ to address contractor fraud, especially against vulnerable homeowners; members voiced support and asked to be added as sponsors. HB 283 updated realty transfer tax exemptions to use gender-neutral “spouses” language and add a direct grandparent-to-grandchild transfer exemption; it drew supportive public comment. HS1 for HB 390 would let DelDOT choose electronic-only bidding for projects, remove newspaper bid-opening notices, and clarify bidding records, with no opposition raised. HB 328/H.A. 2 modernizes the Register of Regulations statute, keeps newspaper distribution requirements, and delays some effective dates to 2027; it was described as a technical update. HB 365 would create the Delaware Indigenous Affairs Commission, prompting supportive testimony from Indigenous community members and some discussion about representation and internal tribal اختلافs, but no formal opposition. HB 423 would automatically enroll new state employees in the 457B deferred compensation plan unless they opt out, with exclusions for collective bargaining units and implementation tied to payroll readiness; it was presented as a retirement-savings measure. SS1 for SB 342 would modernize the Delaware Motion Picture and Television Development Commission to support a broader film/media incentive package, with support from the Delaware Arts Alliance and a request to help attract productions to Delaware. The committee also heard SB 331, a cleanup bill on garagekeeper liens for manufactured housing and related assets. The sponsor and an attorney explained it as clarifying who can recover funds and attorney’s fees in lien sales, but the Chief Magistrate and the manufactured housing association said the issue should be addressed more carefully and possibly in another section of code; they were open to further work. HB 436 would update the Smyrna charter, including school impact fees, election challenge procedures, vacancy rules, domicile standards, Board of Elections terms, and meeting schedules. HS1 for HB 376 made technical and organizational changes to the Millville charter, including a tiebreaker for municipal elections and a property tax cap, with the town solicitor saying there was little substantive change. HB 460 would require New Castle County municipalities to submit permit data monthly rather than on a much slower schedule, limited to closed permits with certificates of occupancy, to improve property assessment data; it was presented as part of broader reassessment/data-quality efforts. Public comment was heard on several items, especially HB 365 and SS1 for SB 342. Indigenous speakers supported the commission as a way to preserve heritage, improve representation, and create a formal seat at the table. The Delaware Arts Alliance supported the film commission modernization bill as part of a broader creative-economy plan. No recorded votes were taken on the individual bills in the transcript, and the meeting ended with a unanimous motion to adjourn.

Bills: HB282, HB283, HB95

Keywords: government contracting, state agencies, local agencies, procurement, marketing contracts, advertising contracts, media monitoring, fact-checking, news ratings, bias ratings, misinformation, journalistic standards, news accuracy, vendor certification, contractor certification, public relations, media analytics, government procurement, Alabama, data privacy

Transcript Highlights:

• I am an affected homeowner.
• By all means, MacAPA supports these homeowners.
• My hat goes out to the homeowners.
• , and created new disclosures to protect our clients.
• would provide protection that homeowners' insurance fails to cover.

Bills: S3091, H5477

Keywords: crumbling concrete, pyrite, pyrrhotite, homeowner assistance, financial relief, CEDAC, construction, insurance surcharge, foundation repair, Massachusetts

Summary: The Joint Committee on Financial Services held a public hearing on two late-file matters, centered on S. 3091, a bill to create relief for homeowners affected by the crumbling concrete/pyrrhotite crisis. Senator Peter Durant presented the bill as a way to establish a crumbling concrete assistance fund, administered by CEDAC, to help replace failing foundations and reimburse homeowners who already paid out of pocket. He said the proposal follows recommendations from a state commission and would be funded by a $6 fee on homeowner/condo insurance policies and a $6-per-cubic-yard surcharge on concrete, with the goal of spreading costs broadly rather than placing them on homeowners alone. Several affected homeowners testified about severe financial and emotional harm, including expensive foundation replacements, lost equity, inability to sell or refinance, and long delays in getting help. Homeowners Karen Riani, Michelle Iglesi, Karen Bellotti, and Russell Dupierre described living with homes that became unsellable or unaffordable to repair, and urged the committee to move the bill forward. Committee members asked about inspection practices, whether pyrrhotite can be detected during home sales, whether the bill would ban pyrrhotite, and how much funding the program would need. Witnesses said the problem is broader than originally understood, affecting at least 52 municipalities, and that the only fix is full foundation replacement. They also said the bill includes training and education for inspectors, but does not ban pyrrhotite outright because the issue is now being addressed through quarry testing and material controls. Representatives of the concrete industry, including Craig Dauphinay, Karen Marshall, and Guy Glottis, said they support homeowner relief and the creation of a fund, but strongly opposed the concrete surcharge. They argued the industry has already taken significant steps, including supporting state testing and regulation of aggregate sources, and said the surcharge would unfairly assign blame, raise costs for residential, municipal, and infrastructure projects, and create cross-border competitiveness issues with neighboring states. They favored a Connecticut-style model funded primarily through insurance assessments, noting that Connecticut’s program has been successful and that Massachusetts could adopt a similar approach. No vote was taken at the hearing.

Bills: HB435

Keywords: manufactured homes, certificate of title, Alabama Department of Revenue, homeowner, vehicle registration, 923, senate, all

Transcript Highlights:

• The impact on homeowners and communities is significant.
• I am an affected homeowner.
• By all means, MacCapa supports these homeowners.
• By all means, MacCapa supports these homeowners.
• would provide protection that homeowners insurance fails to cover.

Bills: S3091, H5477

Keywords: crumbling concrete, pyrite, pyrrhotite, homeowner assistance, financial relief, CEDAC, construction, insurance surcharge, foundation repair, Massachusetts, 1212, all

Transcript Highlights:

• Members, House Bill 3790 is the Homeowner's Protection Act.
• It gives a homeowner the ability to terminate that contract. So, with that, I yield for questions.
• And the bill also purports to be able to change it to where it protects consumers to be able to charge
• Serving on this board has been a great opportunity for me to help protect the public and ensure that
• surveyors and engineers are doing what they're supposed to and protecting the public interest and personal

Bills: HB2933, HB3041, HB3048, HB3081, HB3297, HB3338, HB3673, HB3790, HB3983, HB4105, HB4139, HB4203, HJR1023

Keywords: insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, credit card transactions, payment methods, service charge, consumer rights, financial regulation, insurance, nonadmitted insurers, surplus lines, Oklahoma, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, towing services

Transcript Highlights:

• Members, House Bill 3790 is the Homeowners Protection Act.
• different ways of calculating these fees and that the bill also purports to change it to where it protects
• Serving on this board has been a great opportunity for me to help protect the public, to make sure that
• Surveyors and engineers are doing what they're supposed to in protecting the public interest and personal
• We've got to do something to help those folks and protect Oklahomans. And I'm thankful for this.

Bills: HB2933, HB3041, HB3048, HB3081, HB3297, HB3338, HB3673, HB3790, HB3983, HB4105, HB4139, HB4203, HJR1023

Keywords: insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, credit card transactions, payment methods, service charge, consumer rights, financial regulation, insurance, nonadmitted insurers, surplus lines, Oklahoma, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, towing services

Summary: The Business and Insurance Committee considered a long agenda of bills and executive nominations. Among the bills, it advanced measures to update fire extinguisher industry age restrictions and application rules (HB 381), create a five-day cancellation right for homeowners after severe storm-related contracts (HB 3790), require a biennial workers’ compensation medical fee schedule update (HJR 1023), create the Oklahoma Home Services Act to standardize home service contract disclosures (HB 4139, amended to correct a wording error), cap surcharge fees and add a career tech exemption (HB 3041), create the Oklahoma Tolling and Recovery Board (HB 3297), allow expired electrical contractor licenses to be reinstated without re-examination (HB 3673), clarify who is not a security guard for licensing purposes (HB 4105), create a licensing framework for in-ground pool contractors effective November 1, 2027 (HB 3338), and streamline surplus lines insurance procedures and premium tax enforcement (HB 3048). One bill on smokeless tobacco taxation (HB 3983) drew extended debate over whether a weight-based tax would be fairer and revenue-neutral; after questions about health impacts, reporting, fraud concerns, and inflation, the bill failed to receive a second and was left in committee. HB 3041 also drew significant debate over whether it would effectively allow higher credit card surcharges, but it ultimately passed 5-4. The committee also heard numerous executive nominations, all of which were approved and sent to the full Senate. Those included Michael Stop and Michael Bauer to the Oklahoma State Athletic Commission, Michael Cantrell and Burrell Sears to the Oklahoma Abstractors Board, Richard Willoughby to the State Board of Licensure for Professional Engineers and Land Surveyors, E. Keith Mitchell and Andrew Revelis to the ABLE Commission, Jackie Ward to the alarm, locksmith, and fire sprinkler industry board, Terence Shreve to the Used Motor Vehicle Dismantler and Manufacturer Board, and Adra Berry as Cabinet Secretary of Licensing and Regulation. Nominees generally described their professional backgrounds and commitment to public safety, regulation, or industry expertise, and several senators spoke in support of their service. Most nominations passed unanimously or near-unanimously.

Transcript Highlights:

• that having this bill would also allow people who do suffer and deal with disabilities to have protection
• </c><00:08:24.879><c> Aaliyah,</c><00:08:25.759><c> other</c><00:08:26.080><c> pl</c> ...have a protection

Bills: HB66, HB79, HB95, HB145, HB66, HB79, HB95, HB145

Keywords: elder abuse, financial exploitation, inheritance, joint tenancy, conviction effects, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate

Transcript Highlights:

• that having this bill would also allow people who do suffer and deal with disabilities to have protection
• that having this bill would also allow people who do suffer and deal with disabilities to have a protection
• that having this bill would also allow people who do suffer and deal with disabilities to have a protection

Bills: HB66, HB79, HB95, HB145, HB66, HB79, HB95, HB145

Keywords: elder abuse, financial exploitation, inheritance, joint tenancy, conviction effects, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate

Transcript Highlights:

• </c><00:22:10.240><c> to</c> think this gives us enough protection to think this gives us enough protection
• ><c> must</c><00:25:22.880><c> go</c> But protecting those rights must go But protecting those rights
• </c><00:32:10.559><c> those</c> us here are in favor of protecting those us here are in favor of protecting
• </c> provide some protections to the officer. provide some protections to the officer.
• We want to protect our are a concern.

Bills: HB0130, HB0147

Keywords: Second Amendment, firearms, state rights, federal regulation, law enforcement, civil penalties, government liability, property tax, homeowner exemption, Wyoming, voter initiative, tax legislation, 916, all

Transcript Highlights:

• Okay, the sub is now agreed between the manufacturers, the contractors, and of course the homeowners.
• I think... of course the homeowners, and I think all that just makes sense.

Bills: HB95, HB382

Keywords: HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate, homebuyer, homeowner, property transfer, fixture, condominium, cooperative, duplex, triplex, quadraplex, warrantor

Transcript Highlights:

• Oklahoma homeowners pay some of the highest insurance premiums in the nation, and this is for protections
• I believe that that provision is what has led to the lack of protections for the consumer.
• I believe this bill here and what we're attempting to do, I think it's consumer protections.
• I think it's consumer protections. It's simply just transparency.
• the homeowners and the consumers, all right?

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• However, with that said, again, many homeowners associations have provisions.
• Farm Bill from last session, the committee substitute to House Bill 4163 is a targeted effort to protect
• Additionally, unlike a homeowner in a subdivision, we are not able to utilize the property within the

Bills: HB2013, HB4163, HB4810

Keywords: property owners associations, chickens, urban farming, land use, homeowner rights, agriculture, municipal regulation, governmental requirements, farm management, inspections, border control, trade, state funding, 1184, house, all

Transcript Highlights:

• Oklahoma homeowners pay some of the highest insurance premiums in the nation, and this is protections
• In Oklahoma, my policy, you know, has hail, and, you know, there's fire protection.
• I think it's consumer protections. It's simply just transparency.
• It fails the homeowners. And so I'm in favor of another standard to be used.
• the homeowners and the consumers, all right?

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Bills: SB 711, SB 746, SB 942, SB 1403, SB 1404, SB 1448, SB 1536, SB 1559

Keywords: property owners' association, condominium, management company, homeowner rights, architectural review, child support, family law, Title IV-D agency, administrative adjustment, enforcement, legal representation, probate, decedents' estates, inheritance, community property, court procedures, electronic filing, guardianship, training, Alzheimer's disease

Bills: SB 711, SB 746, SB 942, SB 1403, SB 1404, SB 1448, SB 1536, SB 1559

Keywords: property owners' association, condominium, management company, homeowner rights, architectural review, child support, family law, Title IV-D agency, administrative adjustment, enforcement, legal representation, probate, decedents' estates, inheritance, community property, court procedures, electronic filing, guardianship, training, Alzheimer's disease

Transcript Highlights:

• </c> Minnesota deserves these protections. Minnesota deserves these protections.
• </c><01:08:23.359><c> So</c> their protection as well. So their protection as well.
• </c> to protect information. That's my goal. to protect information. That's my goal.
• </c> this protection would apply to. this protection would apply to.
• </c> in society versus protection of data. in society versus protection of data.

Bills: HF1027, HF2226, HF1916, HF1915, HF1567, HF1986

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

Transcript Highlights:

• And I felt there's enough passion out there for people wanting to help make sure we're protecting our

Bills: HB91, HB95, HB255, HB318, HB91, HB95, HB255, HB318

Keywords: county housing authority, public housing, housing authority, affordable housing, low-income housing, mixed-use development, community facilities, subsidiary, affiliate, public corporation, municipal tax exemption, deed tax, mortgage tax, probate fee, bond financing, housing project, urban redevelopment, rural housing, public-private partnership, eminent domain