Video & Transcript : 'lender cap' :
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US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, June 5, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- By leaving out an exemption for mission-based CDFI lenders from the cap, this bill opened the door for
- By leaving out an exemption for mission-based CDFI lenders from the cap, this bill opened the door for
- By leaving out an exemption for mission-based CDFI lenders from the cap, this bill opened the door for
- By leaving out an exemption for mission-based CDFI lenders from the cap, this bill opened the door for
- It caps the number of SBA 7(a) non-bank lenders who can give loans to America's small businesses.
Keywords:
small business lending company, SBLC, SBA lending, Small Business Administration, section 7 loans, small business loans, loan guarantee, lender cap, financial institutions, credit access, small business finance, nonprofit lenders, business lending, CEASE Act, House passage, Senate Small Business and Entrepreneurship Committee, sanctuary jurisdictions, office relocation, immigration policy, government operations
TX
Texas 89th Regular
Pensions, Investments & Financial Services Apr 14th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- Swipe cap or fee caps.
- As a lender, they eat the whole thing if there's a default.
- Finally, is the state of Texas going to mandate a cap on...
- There are no fee caps in this bill.
- Fee caps aren't the answer.
Bills:
HB245 , HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175
Keywords:
property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees
TX
Texas 89th Regular
Pensions, Investments & Financial Services Apr 14th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- Because you said it would limit rate caps, rate caps in specific, along with a regulatory regime that
- Okay, so why don't we regulate your industry just like we do all other lenders?
- Typically, we are given the authority to set rate caps. That's true. Yeah.
- Generally, we're administering rate caps set by the legislature.
- Transactions were capped out at a certain level.
Bills:
HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175 , HB245
Keywords:
military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees, payroll deductions, retirement plans, fiscal transparency, local government, bond issuance
OK
Oklahoma 2026 Regular Session
County and Municipal Government Apr 8th, 2026 at 03:00 pm
County and Municipal Government
Transcript Highlights:
- I would disagree with that assertion as the population caps proposed in this bill currently affect zero
- We're raising the caps, and so anyone that's concerned with that we're making it further away from anyone
- Members of this bill is just making sure everybody's on that we put a cap on the fines in These small
Committee:
House County and Municipal Government
Keywords:
municipal ordinances, local government, ordinance publication, posting requirement, public notice, municipal law, city ordinances, town ordinances, county government, newspaper publication, effective date, Oklahoma statutes, 11 O.S. 14-106, ordinance notice, government oversight, municipalities, city government, town government, property maintenance, nuisance abatement
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 3/9/26
Agriculture Finance and Policy
Transcript Highlights:
- It asks for an extension to the farmer-lender mediation program.
- I'm Mary Noe Price, and I'm the director of the farmer-lender mediation program.
- mediation there, and that some of the grants from Farm Aid go to farmer-lender mediation.
- Smith's bill to extend farmer-lender mediation. This is a top priority for us.
- He couldn't keep dairying, and he had a creditor or a large lender coming in and pushing him.
Bills:
HF3692
Committee:
House Agriculture Finance and Policy
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/12/25
Commerce Finance and Policy
Transcript Highlights:
- due to lenders' fixed costs of originating loans.
- originating conventional loans lenders originating conventional loans may<00:06:45.479><c> only</c><
- can re can upon standard that lenders can re can apply<00:07:20.400><c> regardless</c><00:07:21.000>
- 1% cap due to lenders originate with the 1% cap due to lenders fixed<00:07:45.039><c> cost</c><00:07
- It might be an annual cap of 3% or 5%.
Committee:
House Commerce Finance and Policy
Keywords:
mortgage, qualified mortgage, QM, points and fees, conventional loan, consumer lending, home loan, residential real estate, lender fees, service charge, finance charge, closing costs, Minnesota Statutes 47.20, housing finance, borrower protections, cooperative apartment loan, contract for deed, real estate lending, foreclosure, notice requirements
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, February 9, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- </c><03:56:47.920><c> This</c> lenders and access to financing.
- This lenders and access to financing.
- The Federal Reserve's important role as the lender of last resort is supported by the Fed's discount
- </c> Reserve's important role as the lender Reserve's important role as the lender of<04:41:40.320><c
- The more community-based lenders, the better.
Keywords:
Taiwan, China, banking organizations, financial regulators, national security, housing, affordability, institutional investors, vacant properties, grants, homeownership, urban development, Burma, sanctions, foreign relations, accountability, economic oversight, military accountability, discount window, Federal Reserve
MN
Committee:
Senate Taxes
Keywords:
Hennepin County, sales tax, health care facilities, ballpark improvements, tax revenue, HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, tax refund
MN
Committee:
House Taxes
Keywords:
Hennepin County, sales tax, health care facilities, ballpark improvements, tax revenue, HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, tax refund
MN
Transcript Highlights:
- That may be a paragraph before we bring the bill into the omnibus tax bill, that we put some sort of cap
- put</c><00:14:59.800><c> some</c><00:15:00.079><c> sort</c><00:15:00.480><c> of</c><00:15:00.640><c> cap
- </c> that we put some sort of cap on that. that we put some sort of cap on that.
Committee:
Senate Taxes
Keywords:
HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, tax refund, Minnesota Statutes, time limit, claims, tax overpayment, taxation
MN
Transcript Highlights:
- in 474A, and that cap is currently set at 55% of the aggregate basis of the project.
- That is the cap that's currently under state law, and so this bill would just reduce that cap to be either
- That 55% cap was set at 5% over the federal cap so that there be a little bit of extra room.
- : 30%, which is 5% over the new federal cap of 25%, but there are some projects that can utilize more
- </c><00:09:50.040><c> the</c> little strange way where they do cap the little strange way where they
Committee:
House Taxes
Keywords:
HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, tax refund, Minnesota Statutes, time limit, claims, tax overpayment, taxation
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/24/26
Commerce Finance and Policy
Transcript Highlights:
- </c> to cap recovery of those same costs. to cap recovery of those same costs.
- It caps costs without operations.
- from their lender.
- It also adds value to lenders as well because lenders don't want to foreclose on a house.
- > because</c><01:38:47.760><c> lenders</c><01:38:49.199><c> don't</c> lenders as well because lenders
Committee:
House Commerce Finance and Policy
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
OK
Oklahoma 2026 Regular Session
Government Oversight REVISED: SB1771, SB1805 and SB1916 - Added Apr 14th, 2026 at 10:30 am
Government Oversight
Bills:
SB1265 , SB2154 , SB1286 , SB1365 , SB1491 , SB1525 , SB1581 , SB1775 , SB1810 , SB1884 , SB2118 , SB2174 , SB1771 , SB1805 , SB1916
Committee:
House Government Oversight
Keywords:
municipal ordinances, local government, ordinance publication, posting requirement, public notice, municipal law, city ordinances, town ordinances, county government, newspaper publication, effective date, Oklahoma statutes, 11 O.S. 14-106, ordinance notice, government oversight, municipalities, city government, town government, property maintenance, nuisance abatement
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 3/24/26
Housing Finance and Policy
Transcript Highlights:
- What this does is it sets a cap, which used to be at 55% when the federal law was 50.
- What this does is it sets a cap, which used to be at 55% when the federal law was 50.
- </c> should be amended to put this lower cap should be amended to put this lower cap so<00:08:26.960>
- </c><00:09:18.000><c> With</c> next year, a more restrictive cap.
- With next year, a more restrictive cap.
Committee:
House Housing Finance and Policy
Keywords:
HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, natural gas, gas hookups, residential construction, energy policy, local control, state preemption
OK
Oklahoma 2026 Regular Session
Local and County Government Feb 24th, 2026 at 02:00 pm
Local and County Government
Transcript Highlights:
- And then, as a legislature, we could cap it if we see that they're getting out of hand.
- Lenders could be a major help in getting this issue resolved for the municipality could also be a major
Committee:
Senate Local and County Government
Keywords:
zoning, municipal compensation, property rights, financial impact, reversion ordinance, solid waste management, municipal authority, regulatory fees, waste reduction, environmental impact, restrictive covenants, discriminatory covenants, racially restrictive covenants, housing discrimination, Fair Housing Act, plats, subdivision plats, residential additions, county clerk, municipal ordinance
TX
Texas 89th Regular
Pensions, Investments & Financial Services May 5th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- This creates... an unnecessary burden for the borrower, as most title, lender, and attorney's offices
- They can go to an attorney's office, a lender, or a title company.
- Well, there's also the lender, right?
- So people can go to the office of the lender, and that's probably a very common scenario.
- The lenders are using a workaround, and they're using the notary signing agents to cover them.
Keywords:
private activity bonds, housing, residential rental projects, low-income, affordable housing, bond measures, funding equality, political subdivisions, public communications, election fairness, debt collection, consumer rights, disclosures, Fair Debt Collection Practices Act, settlement agreements, State Board of Education, group benefits program, health insurance, state employees, dependents eligibility
WA
Washington 2025-2026 Regular Session
Senate Environment, Energy & Technology Jan 28th, 2026 at 08:00 am
Environment, Energy & Technology
Transcript Highlights:
- As background, the Department of Ecology administers a cap-and-invest program, which is a market-based
- Ecology calculates an annual allowance budget, or cap, which is reduced by a specified percentage each
- It calculates an annual allowance budget, or cap, which reduces by a specified percentage each year.
- But we kind of needed to the statewide emissions cap or reduction schedule.
- Simplot welcomes targeted funding for EITEs through cap-and-invest program revenues.
Committee:
Senate Environment, Energy & Technology
Keywords:
Washington climate policy, greenhouse gas, GHG emissions, cap-and-invest, carbon market, emissions trading, allowances, covered entity, coal-fired power plant, coal plant, electric utility, electric generating facility, fossil fuels, natural gas, imported electricity, emissions leakage, air pollution, renewable energy transition, industrial emissions, railroad emissions
WA
Transcript Highlights:
- is it the port of, I'd have to get back to you with that, but it's a, this is the, there's a 75-year cap
Bills:
SB6148
Committee:
House Transportation
OK
Oklahoma 2026 Regular Session
Aeronautics and Transportation Apr 6th, 2026 at 10:00 am
Aeronautics and Transportation
Committee:
Senate Aeronautics and Transportation
Keywords:
True Grit Trail, Oklahoma, tourism, signage, Department of Transportation, state parks, historical sites, economic development, motor vehicles, insurance, registration, verification, law enforcement, electronic credentials, Service Oklahoma, digital identification, data protection, driver's license, special license plates, Route 66
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, June 3, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- Loan agents are often the middleman between the SBA, a 7A lender, and a small business.
- And, oh, by the way, the solution you get all the time, well, just raise the cap.
- Okay, raise the cap.
- okay the time well just raise the cap okay raise<08:04:02.000><c> the</c><08:04:02.160><c> cap</c><08
- the cap on social security eliminating the cap on social security at<08:04:06.160><c> that</c><08:04
Keywords:
7(a) loan program, Small Business Administration, SBA, small business lending, loan brokers, loan consultants, referral agents, loan intermediaries, fraud oversight, transparency, reporting requirements, loan fees, referral fees, interest rates, business financing, small business loans, lender oversight, application assistance, Congressional reporting, small business