Transcript Highlights:

• It's a surcharge on top.
• Insurance is doing what they do.
• They are insuring that property.
• An insurance surcharge essentially for every homeowner to deal with disasters, home heating oil releases
• policy surcharge.

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.

Transcript Highlights:

• It's a surcharge on top.
• The insurance is.
• You know, an insurance surcharge essentially for every homeowner to deal with disasters, home heating
• The insurance is...
• You know, an insurance surcharge essentially for every homeowner to deal with disasters, home heating

Bills: S3091, H5477

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

Transcript Highlights:

• <00:09:46.399><c> in</c> insurance in insurance in Minnesota<00:09:48.320><c> many</c><00:09:48.600><
• </c><00:10:15.000><c> companies</c> new roof by their insurance companies new roof by their insurance
• </c> conversations about dental insurance conversations about dental insurance mostly<00:25:05.840><c
• </c><01:36:51.280><c> insurance</c> affordable auto insurance insurance affordable auto insurance insurance
• program, and that surcharge will trigger retaliatory tax consequences for Minnesota-domiciled insurance

Bills: HF2228, HF46, HF856, HF2149, HF2215

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Transcript Highlights:

• Many of the major insurers of churches... insurers like Church Mutual, Brotherhood Mutual, and GuideOne
• They were told their insurance policy wasn't going to be renewed because their insurer wasn't writing
• Insurance costs from 2023 to 2024 for the Cowboy Church have covered. $35,000 to insurance companies.
• Their insurance companies...
• This bill doesn't create any new types of insurance or eliminate insurance.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• Hurricane surcharges. There are insurer assessments that are built into the bill.
• The loan will be repaid through a temporary surcharge on most Texas insurance policies.
• The Coastal Windstorm Insurance Coalition supports authorizing catastrophe surcharges to assure the repayment
• It just becomes an increase on all insurance holders' bills, disclosed as a separate surcharge.
• Okay, and is it going to say this is a surcharge for wind insurance?

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• Wages are health insurance." Not everyone takes the insurance, but everyone takes the wages.
• </c> insurance with a statewide insurance insurance with a statewide insurance plan.<00:43:15.599><c>
• You would look at liability insurance, theft insurance, vehicle insurance if the grant drives, make sure
• You would look at liability insurance, theft insurance, vehicle insurance if the grant drives, make sure
• 01:23:31.679><c> vehicle</c> insurance, theft insurance, vehicle insurance, theft insurance, vehicle

Bills: HF3422, HF3461, HF2904

Keywords: state grants, grant oversight, grants management, executive agencies, Minnesota Department of Administration, commissioner of administration, fraud prevention, waste prevention, grant monitoring, financial reconciliation, grant compliance, state government, public funds, grant recipients, competitive grants, grant administration, administrative oversight, monitoring visits, grant policy, legislative leave

Transcript Highlights:

• It allows the insurers to collect the maintenance surcharges directly from policyholders.
• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• It shifts the duties of both the insurer and the insured.
• An insurance company has a duty when their insured causes an accident and their insured gets sued.
• The insurance company has a duty to defend that insured.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• That means they have to pay a surcharge and they have to provide the superintendent of insurance proof
• The doctor's company is a large insurer of doctors here.
• Does your health insurance... Down to your car. Does your car insurance ever go down? No.
• And then again, not familiar with medical malpractice insurance, I think about homeowners or car insurance
• My car insurance, homeowners insurance goes up when my neighborhood has more break-ins or more cars are

Bills: HB99, HB49, HB164, SB30, SB43, SB50, SB136

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Transcript Highlights:

• There's no information about what kind of insurance someone had that's contained in this data.
• And the Guttmacher data actually does also contain information about what kinds of insurance people had

Bills: HB99, HB49, HB164, SB30, SB43, SB50, SB136

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Summary: Senate Judiciary began by announcing that Senate Bill 136 would be rolled over because the sponsor was unavailable. The chair then addressed criticism from the floor over how a prior bill had been handled, defending the committee’s practice of using committee substitutes and amendments without waiting for a new version from council, and emphasizing his authority to set hard stops and limit debate when he believes discussion is repetitive or dilatory. Several members responded, with some supporting the chair’s approach and others arguing that contentious bills deserve more time and fuller committee vetting. The committee then heard Senate Bill 30, which would repeal New Mexico’s requirement that induced abortions be reported to the state registrar. The sponsors argued the reporting law is outdated, unnecessary for public health, and potentially dangerous because provider information can be disclosed under broader vital statistics statutes; supporters from the ACLU, League of Women Voters, Bold Futures, and NOW echoed privacy and safety concerns. Opponents argued the reporting requirement provides transparency and public health data. After debate, the committee approved SB 30 on a roll call vote. Next, the committee heard Senate Bill 43, a bipartisan measure to modernize the Adult Parole Board statute after a prior veto. The bill would update parole factors for life-sentenced inmates, authorize per diem and closed hearings, and prevent parole hearings from being scheduled on victims’ birth or death dates. It received support from corrections officials and victims’ advocates, and the committee passed it without objection. The final major item was Senate Bill 50, which would remove several statutory in-service training mandates for law enforcement and give the Standards and Training Council more flexibility to set curriculum. Supporters said the current requirements are outdated and too rigid; opponents warned the bill could weaken recurring training in domestic violence, sexual assault, crisis intervention, and other high-risk areas. A motion to table failed, and the committee ultimately passed SB 50 on a roll call vote, despite divided member views.

Transcript Highlights:

• That means they have to pay a surcharge and they have to provide the superintendent of insurance proof
• Punitives are not, at this point, able to be covered by insurance unless insurance expressly states that
• Does your car insurance ever go down? No. Does your health insurance? ...down?
• I think about homeowners or car insurance.
• My car insurance, homeowners insurance goes up when my neighborhood has more break-ins or more cars are

Bills: HB99, HB49, HB164, SB30, SB43, SB50, SB136

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Summary: The committee first took up House Bill 99, which would make changes to the Medical Malpractice Act, especially around punitive damages. The chair and sponsor said the bill would not be voted on that day and that public comment would wait until Monday, when a fuller presentation and any recommended substitute would be considered. Dr. Brooke Baker, a physician-lawyer, gave a long presentation on physician wellness, malpractice stress, and the effect of litigation on staffing and burnout, while also discussing hospital ownership structures, private equity, and rural hospital vulnerability. She argued that punitive damages are often pled too broadly in New Mexico, that the amendment language was unclear about which entities would be capped, and that better oversight and internal quality systems—not punitive damages—are the better tools for addressing bad actors and unsafe care. Committee members from both sides asked extensive questions about the patient compensation fund, indemnification, corporate structures, the effect of caps on insurance and recruitment, and whether the bill would protect physicians’ personal assets. No vote was taken on HB 99, and the committee recessed before moving to the next bill. The committee then returned to House Bill 49, a public safety measure increasing penalties for felons who possess firearms. The sponsors and law enforcement witnesses said the bill is aimed narrowly at serious violent felons who are already prohibited from having guns, and that it would align state sentencing with federal law and give police and prosecutors a stronger tool against repeat violent offenders. An amendment was offered to narrow the bill further, add destructive devices, and make the offense a second-degree felony rather than escalating to first degree on repeat offenses. The amendment was adopted without opposition. Public testimony on HB 49 was largely opposed. The Law Office of the Public Defender argued the bill criminalizes possession without a new act of violence, that current law already punishes felon-in-possession conduct, and that New Mexico has repeatedly increased penalties without evidence of reduced gun crime. The ACLU of New Mexico also opposed the bill, saying increased penalties are not a proven deterrent. The transcript cuts off as additional online opposition testimony was beginning.

Transcript Highlights:

• I had an insurance agent who was a life insurance agent. Their life insurance premium went down.
• , a life insurer must prove intent to deceive by the insured during the... ...the Texas Insurance Code
• , a life insurer must prove intent to deceive by the insured during the... ...the Texas Insurance Code
• for insurance.
• insurance.

Bills: HB 106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Summary: The committee first handled pending business, including reconsidering SB 715 and then voting out several measures. The committee substitute for SB 1978 was reported favorably, and HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 were all reported favorably, many with objections sent to the local and uncontested calendar. HB 1522 and HB 4238 were adopted as committee substitutes before passage. The committee then moved into public testimony on HB 2963, a right-to-repair bill for consumer electronics. Supporters argued it would reduce waste, lower costs, and help independent repair shops by requiring manufacturers to provide parts, tools, and information on fair terms, while opponents said the bill was too broad and the automotive MOU exemption was problematic. The bill was left pending after testimony. The committee also heard HB 2467, which would align State Fire Marshal Office investigators’ pay with other commissioned peace officers at TDI; testimony was strongly supportive, emphasizing the office’s arson-investigation role, and the bill was left pending. HB 252, a bill allowing certain state agencies flexibility to pay Schedule A employees twice monthly, was laid out and left pending after limited testimony. HB 2468, dealing with public improvement district notice in real estate transactions, would let buyers terminate within seven days if required PID notice was not provided before contract execution; it drew no public testimony and was left pending. HB 4386, an annuity exchange and surrender process bill, was presented as a consumer-protection measure with deadlines and penalties for insurer delays; it received support from industry witnesses and was left pending. The committee then heard HB 4751, creating the Texas Quantum Initiative within the Governor’s Office to coordinate quantum research, workforce, industry partnerships, and possible future grant funding. Witnesses from universities and industry supported the bill, while several senators questioned whether a new state structure was necessary; the bill was left pending. HJR 175 proposed a constitutional amendment protecting Texans’ right to use mutually agreed forms of exchange, including cash, bullion, digital currency, or private script, and was discussed at length in the context of central bank digital currency and barter; it was left pending after testimony. HB 2221, updating insurance anti-rebating laws to allow wellness and value-added services, drew supportive testimony from the insurance industry and discussion about incentives versus monitoring; it was also left pending. Finally, the committee heard a series of utility wildfire and infrastructure bills: HB 106, requiring oil and gas operators to maintain certain electrical infrastructure near well sites; HB 144, requiring electric utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing self-insurance under certain conditions. Utility, insurance, and cooperative witnesses generally supported the wildfire-related bills while asking for clarifications and less burdensome reporting, and the bills were left pending.

Transcript Highlights:

• ... ...the Insurance Code, creating its own code regarding this fairly new area within insurance.
• So this is similar, but in health insurance and for life insurance.
• I had an insurance agent who was a life insurance agent. Had a couple sign up for this program.
• expertise in insurance, but we do support the concept of self-insurance in that area.
• The surcharge can be spread over up to three years to repay it. The surcharge is 1.6%.

Bills: HB 106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Summary: The committee first handled pending business, including reconsidering a failed vote on SB 715 and then reporting several measures favorably. SB 1978 was reported from committee on a committee substitute, and a series of House bills — including HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 — were moved out of committee, most to the local and uncontested calendar. The votes on these items were overwhelmingly or unanimously in favor, with committee substitutes adopted where applicable. The committee then heard HB 2963, a right-to-repair bill for consumer electronics. The author said the bill would require manufacturers to provide parts, tools, and documentation on fair and reasonable terms while preserving trade secrets and excluding certain categories such as medical devices, motor vehicles covered by an MOU, critical infrastructure, and commercial-only transactions. Supporters from the Texas Public Policy Foundation and Environment Texas argued it would strengthen property rights, help small businesses, and reduce e-waste. Opponents, including representatives of SafeLight Auto Glass and LKQ, said they supported right-to-repair in principle but objected to the bill’s automotive MOU exemption and broader scope, warning it could create uncertainty and leave some manufacturers and repair shops outside the framework. The bill was left pending after testimony. Members also heard HB 2467 on salary parity for State Fire Marshal investigators, HB 252 on allowing some state agencies to pay certain employees twice monthly, HB 2468 on public improvement district notice and a buyer’s right to terminate, HB 4386 on annuity contract exchanges and surrender timelines, HB 4751 creating a Texas Quantum Initiative and related fund, and HJR 175 proposing a constitutional amendment protecting Texans’ ability to use mutually agreed-upon mediums of exchange, including cash, bullion, and digital currency. Testimony on HB 4751 was largely supportive but included questions about whether the state needs a new coordinating structure and funding mechanism for quantum research and commercialization. HJR 175 drew discussion about barter, taxes, and concerns over central bank digital currency. Each of these items was left pending after hearing testimony. The committee also heard HB 2221, which would update insurance anti-rebating laws to allow more wellness and value-added services in life and health insurance, with supporters saying it would encourage healthier behavior without requiring data monitoring. Finally, the committee took up a package of utility and wildfire-related bills from Chairman King’s portfolio: HB 106, requiring oil and gas operators to maintain certain overhead electrical lines; HB 144, requiring utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing utilities to self-insure under certain conditions. Utility, co-op, and insurance representatives generally supported the safety and resiliency goals of HB 144, while asking for clarifications and less frequent reporting; HB 145 was introduced as a broader wildfire-risk and liability measure. These bills were also left pending after testimony.

Transcript Highlights:

• Where are the insurance companies? I'll tell you what, my car insurance keeps going up.
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• Will optometrists have to get additional insurance or malpractice insurance?

Bills: HB99, HJR5, HM39, HB206, HB213, SB41, SB153, SB165, SB261, SB264

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Transcript Highlights:

• It is a fund into which providers who choose to participate pay a surcharge, and that surcharge is intended
• That the surcharges were probably set too low.
• Where are the insurance companies? I'll tell you what, my car insurance keeps going up.
• My homeowner's insurance keeps going up. No claims.
• Additional insurance or malpractice insurance? I'm trying to ask about that. Thank you.

Bills: HB99, HJR5, HM39, HB206, HB213, SB41, SB153, SB165, SB261, SB264

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Summary: The committee first took up House Bill 99, a medical malpractice reform measure. Sponsor Chair Chandler and Minority Leader Armstrong described months of stakeholder negotiations aimed at balancing patient compensation with concerns from physicians, hospitals, and insurers about litigation costs, punitive damages, and access to care. The committee substitute kept the existing monetary damage caps but changed several provisions, including definitions of “occurrence” and “value of medical care,” treatment of future medical expenses, a higher clear-and-convincing standard for punitive damages, a two-step process before punitive damages can be pled, and a lower punitive-damages cap for smaller providers versus a higher cap for large hospital systems. Supporters said the bill would help recruit and retain doctors and stabilize the malpractice market; opponents argued it weakens accountability, especially for corporate and out-of-state hospital systems, and several speakers urged a stronger amendment to preserve patient rights. After debate, the committee voted 10-0 to give the House Judiciary Committee substitute for HB 99 a do-pass recommendation. The committee then heard House Joint Resolution 5, which would amend the state constitution to allow legislative compensation. Sponsors and supporters said paying legislators would make service more accessible to working people, parents, rural residents, and others without independent wealth, and would broaden representation. Several advocacy groups and individual commenters backed the proposal, while members raised questions about the pay formula, with the resolution tying compensation to the state median income. Some members supported the idea but preferred a salary commission or a different mechanism. The committee approved HJR 5 on a 7-3 vote. Finally, the committee began hearing House Memorial 39, which calls for a task force to study the current state of sexual assault examination kits and report on backlog progress. Sponsor Rep. Ferrari and the New Mexico Coalition of Sexual Assault Programs explained that a prior task force a decade ago found more than 5,000 untested kits and led to policy changes, including the Sexual Assault Survivors Bill of Rights and a statewide tracking system. The memorial is intended to reassess whether backlogs remain and recommend further fixes.

Transcript Highlights:

• It's run by the Superintendent of Insurance, who is the fiduciary for the money that's collected in surcharges
• So everybody who gets insurance pays a premium for the Patient Compensation Fund; it's called a surcharge
• In the open insurance market, it's $38,614, and in the PCF surcharge, it's $36,020.
• But let me first: my understanding is that when a surcharge gets calculated, the insurance company fills
• So they misrepresented to the superintendent of insurance in order to get a lower surcharge what they

Bills: HB99, HJR5, HM39, HB206, HB213, SB41, SB153, SB165, SB261, SB264

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Summary: The committee first took up a lengthy informational presentation on the Patient Compensation Fund (PCF) and New Mexico medical malpractice insurance. Teresa Hassey, a plaintiffs’ attorney, described the PCF’s origin in the 1976 Medical Malpractice Act, its role as a state-backed excess coverage system, and her view that it was mismanaged when hospital participation expanded without individualized risk assessments. She argued that hospitals underpaid surcharges, that the fund was depleted by claims, and that the 2021 amendments and later legislative infusions were meant to shore up deficits and phase hospitals out. Superintendent of Insurance Alice Kane and LFC analyst Julia Rodriguez presented a different perspective, emphasizing recent general fund infusions, current surcharge collections, the use of actuarial reviews, and the PCF’s budget and settlement activity. Kane said the market is highly concentrated, New Mexico’s malpractice costs and defense expenses are high, and the fund still provides lower-cost coverage than the open market, while also noting ongoing issues with future medical claims, TPA transition, and investment management. Committee members questioned the presenters at length about why New Mexico malpractice premiums are so high, whether defense costs were being conflated with claim payouts, how the PCF works with primary coverage and excess coverage, and whether hospitals were properly assessed when they entered the fund. Several senators raised concerns about punitive damages, corporate practice of medicine, and whether the state’s legal environment is driving doctors away. Others challenged the data comparisons, noting differences between one-year figures and multi-year averages, and asked why New Mexico’s costs remain far above neighboring states. Kane and Hassey disagreed on the causes, with Kane pointing to high claims and defense costs over time and Hassey arguing that hospital participation and punitive-damage exposure distorted the market. The chair concluded the discussion by saying the committee had not exhausted the topic and that he still wanted a clear path to reducing doctors’ insurance costs. After a break, the committee moved on to Senate Bill 41. Senator Charlie introduced the bill, which would eliminate the statute of limitations for the most serious sexual crimes in New Mexico. He argued that trauma, coercion, fear, and delayed disclosure often prevent survivors from reporting promptly, and said the law should reflect that reality. The bill was presented as a response to survivor testimony heard in a prior hearing, and the sponsor framed it as part of a broader effort to modernize the justice system for sexual violence cases.

Transcript Highlights:

• All right, we are on House Bill 38, wheelchair insurance coverage.
• this body was able to pass what we call the prosthesis bill. ...the prosthesis bill, which asks insurance
• It is because it's insurance, but it's really just adding activity chairs or wheelchairs to the devices
• I'm the Life and Health Division Director at the Office of Superintendent of Insurance, and I've had
• As you know, every insurance company has a different process, and so we want to make sure that language

Bills: HB99, HB38, HB165, HB127, HB72, HB151, SB40, SB104, SB136, SB164

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Transcript Highlights:

• All right, we are on House Bill 38, wheelchair insurance coverage.
• for those who were not, this body was able to pass what we call the prosthesis bill, which asks insurance
• It is because it's insurance, but it's really just adding activity chairs or wheelchairs to the devices
• I'm the Life and Health Division Director at the Office of Superintendent of Insurance, and I've had
• As you know, every insurance company has a different process.

Bills: HB99, HB38, HB165, HB127, HB72, HB151, SB40, SB104, SB136, SB164

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Summary: The committee heard House Bill 38, which would require insurance coverage for specialized wheelchairs, activity chairs, and related mobility devices for people with limb loss or other disabilities, with guardrails limiting the number of covered devices over time. The sponsor and supporters, including the Office of Superintendent of Insurance, Disability Rights New Mexico, the Disability Coalition, physical therapists, and disability advocates, said the bill would improve access, inclusion, and physical activity without significant premium impact. Questions focused on the substitute language, the device limits, and how Medicaid would handle coverage separately. The committee ultimately passed the House Health and Human Services Committee substitute for HB 38 on a 10-0 vote. The committee then approved House Bill 165, which expands the C-PACE financing program to businesses using industrial revenue bonds and clarifies that counties and municipalities are not liable for payments. Support came from economic development and business groups, who said the bill would remove a barrier to energy- and water-efficiency upgrades and encourage investment. The bill passed on a 10-0 vote. House Bill 127 also passed unanimously after discussion of its three parts: a provisional licensure pathway for internationally trained physicians, a telehealth registry for out-of-state providers, and changes to expedited licensure. Supporters said it would help address provider shortages, especially in rural and underserved areas, while the sponsor explained that the amended version includes safeguards such as exam requirements, supervised practice, and a provisional-to-restricted-to-full licensure path. The committee voted 11-0 to advance the bill. House Bill 72, which would increase penalties for distributing certain controlled substances, including methamphetamine, to minors, drew strong support from law enforcement and the chamber of commerce but significant concern from the Public Defender and several members over strict liability, mandatory sentencing, and the breadth of the penalty. After debate over whether the bill could reach low-level or peer-to-peer conduct and whether the penalty was proportionate, the committee voted to table the bill by a 6-4 vote. The committee then took up House Bill 151, a revised childhood sexual abuse statute of limitations bill. The sponsor presented a committee substitute that changed commission appointments, added reporting and solvency-related provisions, and adjusted procedures for compensation and appeals. Members raised concerns about parity, definitions, administrative costs, and how awards would be determined, but the committee approved the committee substitute on a 7-0 vote.

Transcript Highlights:

• And then finally, we've got an insurance company exception. And that's an interesting one.
• I appreciate the debate we've had about fire insurance, and especially on the whole fair plan.
• got competing insurance companies.
• And then finally, we've got an insurance company exception. And that's an interesting one boy.
• and I'm just worried that all of a sudden we've got competing insurance companies.

Bills: HB99, HB38, HB165, HB127, HB72, HB151, SB40, SB104, SB136, SB164

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Summary: The committee first took up Senate Bill 40, a committee substitute addressing automated license plate readers (ALPRs) and privacy. Sponsor Sen. Worth said the bill was intended to preserve ALPRs as a law-enforcement tool while adding guardrails to prevent sharing or selling data for immigration enforcement, protected health care activity, or criminalizing constitutionally protected conduct. Supporters included state and local law enforcement, the ACLU, immigrant-rights, reproductive-rights, and sexual-assault advocacy groups. Law enforcement witnesses said the bill balanced privacy with public safety and cited cases where ALPRs helped locate kidnapped children, murder suspects, and stolen vehicles; opponents and some senators argued the bill was too narrow, too focused on immigration and health care, and raised concerns about federal law, data sales, and enforcement. After debate, the committee adopted an amendment removing subsection F, then approved the committee substitute and advanced SB 40 on a do-pass motion. The committee then heard Senate Bill 104, which would create a process for removing wildlife commissioners after the 2023 wildlife commission legislation and the governor’s veto of the prior removal language. Sen. Worth explained that SB 104 would allow the governor to initiate removal for malfeasance, incompetence, or failure to attend meetings, with notice, a hearing, and exclusive review by the state Supreme Court; he said it was modeled on the Board of Regents removal process and was intended to complete the wildlife commission reforms. The New Mexico Wildlife Federation, Audubon Southwest, and the Department of Game and Fish supported the bill, saying it would depoliticize wildlife management and provide stability. Senators asked about the existing “three consecutive meetings” vacancy language, current vacancies, and the prior removal of a commissioner. The committee discussed the governor’s earlier veto and whether the bill was necessary, but no amendment was adopted and the committee approved SB 104 on a do-pass motion.

Bills: SB1623, SB2067, SB2132

Keywords: credit union, Oklahoma State Credit Union Board, membership, loans, investments, board compensation, financial regulations, financial exploitation, protected adults, financial institution, notification, temporary hold, credit card, surcharge, discounts, consumer protection, payment methods

Summary: The Banking, Financial Services, and Pensions Committee heard three bills. Senate Bill 2132, presented by Rep. Geis, would raise the allowable credit card processing fee cap from 2% to 3% and preserve consumer protections requiring notice to customers. During discussion, members raised concerns about whether 3% was enough to cover actual merchant costs; Geis said she had spoken with the Senate author and was prepared to amend the bill to 4%, which she said would better match average costs and cover most businesses. The committee agreed to let the language be handled before Oversight, and the bill passed 8-0. House Bill 1623, also presented by Geis, updates the state charter for credit unions to give state-chartered institutions more flexibility similar to federally chartered credit unions. It revises field-of-membership rules, removes geographic or membership overlap considerations, and allows the board to add association categories for individuals in underserved areas below 150% of the poverty level. The bill received no questions and passed 8-0. Senate Bill 267, presented by Rep. Lepak, carries the same language previously passed in House Bill 3020 and deals with protection of vulnerable adults. Lepak said bankers and credit unions were working together on the measure. The committee took no substantive debate and passed the bill 8-0. The meeting then adjourned.

Bills: SB1623, SB2067, SB2132

Keywords: credit union, Oklahoma State Credit Union Board, membership, loans, investments, board compensation, financial regulations, financial exploitation, protected adults, financial institution, notification, temporary hold, credit card, surcharge, discounts, consumer protection, payment methods, 914, all