Video & Transcript Research : 'lender fees'
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MN
Minnesota 2025 1st Special Session
House Commerce Finance and Policy Committee 3/12/25
Commerce Finance and Policy
Transcript Highlights:
- This proposal will align Minnesota with over 40 states that do not have fee restrictions in excess of
- originate with the 1% cap due to lenders originate with the 1% cap due to lenders fixed<00:07:45.039
- The fees are enormous.
- So the fees that you pay on a monthly basis will vary greatly between associations.
- Second is the costs that are built into an HOA as a monthly association fee assessment.
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
TX
Texas 89th Regular
Pensions, Investments & Financial Services Apr 14th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- on top of fees.
- , also known as swipe fees.
- The fees are blank.
- Who sets these fees?
- Our fees, credit card fees for MasterCard and Visa. Okay.
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
TX
Texas 89th Regular
Pensions, Investments & Financial Services Apr 14th, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- Swipe cap or fee caps.
- those fees every single time.
- Banks should set their own fees.
- Where do those fees come from?
- 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
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/24/26
Commerce Finance and Policy
Transcript Highlights:
- At that point, the lender will send in or remit a payoff statement including all fees and charges due
- At that point, the lender will send in or remit a payoff statement including all fees and charges due
- At that point, the lender will send in or remit a payoff statement including all fees and charges due
- At that point, the lender will send in or remit a payoff statement including all fees and charges due
- At that point, the lender will send in or remit a payoff statement including all fees and charges due
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
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
Keywords:
Farmer-Lender Mediation Act, mediation, agriculture finance, debt relief, civil law, 1183, house
LA
Keywords:
transfer on death, TOD, beneficiary designation, investment accounts, brokerage accounts, securities, nonprobate transfer, estate planning, succession, probate, community property, forced heirship, financial advisor, broker-dealer, custodian, transfer agent, banking, wealth transfer, inheritance, Louisiana Revised Statutes
MN
Minnesota 2025-2026 Regular Session
House Transportation Finance and Policy Committee 4/15/26
Transportation Finance and Policy
Transcript Highlights:
- When those fleets seek resolution, some deputy registrars waive the fees; others don't.
- <01:19:00.880>
So, <01:19:01.120>businesses the fees, others don't. - So, businesses the fees, others don't.
- So the associated fees themselves are roughly $30 depending on what you do and where you do it.
- So the associated fees a big deal.
Bills:
HF4693
Keywords:
transportation, license plates, validation stickers, replacement fees, government fees, 1183, house
Summary:
The Transportation Finance and Policy Committee approved the April 13, 2026 minutes and then heard a presentation from Charles Carlson of Metropolitan Transportation Services on regional transit governance and finance in the Twin Cities area. Carlson reviewed the history of transit governance from private streetcars and buses to public control, including the creation of the Met Council and Metropolitan Transit Commission in 1967, later fragmentation through suburban opt-outs and the Regional Transit Board, and the 1994 consolidation that made Metro Transit part of the Met Council. He also explained the role of the Transportation Advisory Board as a state-created advisory body to the council’s federally designated MPO function, and noted that any major structural change to the Met Council could trigger federal redesignation requirements.
The presentation then focused on funding changes over time. Carlson said transit was long supported by fares, property taxes, and federal aid, but that property taxes for operations were prohibited in 2001, federal operating assistance ended, and the state shifted to general fund support and then motor vehicle sales tax revenue. He described the 2006 constitutional dedication of motor vehicle sales tax, the volatility of that revenue during the Great Recession, and the use of one-time state appropriations and later federal COVID relief to cover operating gaps. He said the 2023 legislature created the regional 3/4-cent transportation sales tax to stabilize transit operations, reduced the state’s rail operating obligation, and moved Metro Mobility/Metro Move into a state forecast-based program effective in 2025.
Members asked several questions about the structure of suburban “opt-out” providers, including Maple Grove and Plymouth, and how they can contract with Metro Transit or private providers while still retaining control of their allocated funds. Carlson explained that replacement service municipalities receive statutory and formula allocations and choose how to use them. He also described Metro Move as a waiver-based service begun in 2024 that uses human services and Medicaid funds to reduce pressure on the state general fund. Later discussion covered ridership and service shares, with Metro Council providing the vast majority of regional transit service and suburban providers accounting for a small share. No votes or bill actions were taken beyond adoption of the minutes; the chair indicated a bill would be taken up later in the meeting.
AL
Alabama 2025 Regular Session
Alabama House Shelby County Legislation Committee Apr 22nd, 2025
Shelby County Legislation
Transcript Highlights:
- this basically giving the county commission the right obligation to promote a resolution to issue a $2 fee
- if... to promote a resolution to issue a $2 fee if you don't...
- Section on the amendment baseline, lines 11 and 12 on page one, provides for the registration issuing fee
- Um, as a matter of fact, even our own county pondered the idea of adding as much as a $10 fee in a work
- So the $2 fee is brought by the sheriff, and this is where I'll end.
Bills:
SB314
OK
Oklahoma 2026 Regular Session
Aeronautics and Transportation Apr 6th, 2026 at 10:00 am
Aeronautics and Transportation
Transcript Highlights:
- House bill 3443 has simply raises the oversize and overweight permit fees.
- Essentially, the purpose for raising the fees is so that the oversized and overweight Permit fees would
- An oversized and overweight permit fees should pay for the Weigh stations, and so this bill helps do
- It looks like we're raising the fee by dollars, I think.
- There are a number of fees being raised, permit fees being raised.
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
MN
Minnesota 2025-2026 Regular Session
House Elections Finance and Government Operations Committee 2/23/26
Elections Finance and Government Operations
Keywords:
correctional fees, supervision fees, probation, Department of Corrections, criminal justice funding, electronic home monitoring, drug testing, restitution collection, community service work, postprison supervision, court-ordered services, fee sunset, fee phaseout, offender fees, community corrections, supervised individuals, 1183, house
AL
Alabama 2026 1st Special Session
Alabama House State Government Committee Mar 4th, 2026
State Government
Keywords:
SB271, Alabama, municipalities, city fees, town fees, franchise fees, utility franchise, natural gas, manufactured gas, gas utility, public streets, public places, right-of-way, municipal consent, gross receipts tax, license tax, privilege tax, Public Service Commission, PSC, utility regulation
LA
Keywords:
home inspectors, board membership, licensing, term limits, Louisiana State Board, utility, reimbursement, overcharges, consumer protection, economic relief, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, unfair trade practices, advertising disclosures, total price, service fees
AL
Alabama 2026 1st Special Session
Alabama Senate State Governmental Affairs Committee Feb 11th, 2026
State Governmental Affairs
Transcript Highlights:
- <00:15:57.600>
means collecting the fees it's just the means collecting the fees it's just - We'll take a for you for a fee.
- paid your fees? paid your fees?
- fees that never landed at the airport. fees that never landed at the airport.
- And so appropriate to use for for fees.
Keywords:
expungement, nonviolent felony, criminal record, restoration of rights, human trafficking, SB271, Alabama, municipalities, city fees, town fees, franchise fees, utility franchise, natural gas, manufactured gas, gas utility, public streets, public places, right-of-way, municipal consent, gross receipts tax
AL
Alabama 2025 Regular Session
Alabama Senate Transportation and Energy Committee Apr 15th, 2025
Transportation and Energy
Transcript Highlights:
- The must franchise fee issue and any comments from the committee? Mr.
Keywords:
electric utility, transportation, oversize vehicles, transport permits, state highway system, SB271, Alabama, municipalities, city fees, town fees, franchise fees, utility franchise, natural gas, manufactured gas, gas utility, public streets, public places, right-of-way, municipal consent, gross receipts tax
AL
Alabama 2025 Regular Session
Alabama Senate Transportation and Energy Committee Apr 10th, 2025
Transportation and Energy
Transcript Highlights:
- One of those is, you know, what is the franchise fee?
- a 1.5% business license fee as well.
- The franchise fee aspect of it is what varies.
- So, none of your... fees past what 2038.
- If they can't put a franchise fee until 2038, what... uh put a franchise fee until 2038, what if we talked
Keywords:
SB271, Alabama, municipalities, city fees, town fees, franchise fees, utility franchise, natural gas, manufactured gas, gas utility, public streets, public places, right-of-way, municipal consent, gross receipts tax, license tax, privilege tax, Public Service Commission, PSC, utility regulation
HI
Transcript Highlights:
- the impact fee process. the impact fee process. >> Thank<00:09:57.200>
you. - this impact [clears throat] fee this impact [clears throat] fee entirely.<00:10:24.880>
um - effect fee entirely? effect fee entirely?
- it's fee because, you know, it's it's it's fee it's<00:35:41.920>
not <00:35:42.079>lease. - impact fees. impact fees.
Bills:
HB1604, HB1713, HB1722, HB2270, HB2401, HB2515, HB1979, HB1593, HB1743, HB2122, HB1756, HB1837, HB1729
Keywords:
agriculture, housing, workforce, land use, zoning, public-private partnerships, tax credit, school impact fees, impact fee exemption, school facilities authority, residential development, housing shortage, affordable housing, infill housing, land dedication, fee in lieu, school construction, developer exactions, fair share contributions, education contribution agreement
Summary:
The committee heard testimony on HB 1604, which would create an agricultural workforce housing group within the Department of Agriculture and Biosecurity to address shortages of farmworker housing. The department said it supported the bill’s intent but emphasized that the group’s early work should focus on gathering data and surveying farm operators to assess actual demand, to avoid “mission creep.” Testimony from the City and County of Honolulu Office of Economic Revitalization, Hawaii Farmers Union, Hawaii Farm Bureau, Housing Hawaii’s Future, and the Maui Chamber of Commerce was in support, with one witness suggesting a housing advocacy nonprofit be added to the working group for balance.
The committee then discussed HB 1713 on school impact fees, which would clarify exemptions for certain affordable housing projects and exempt new residential developments of fewer than 100 units. The Attorney General’s office said the bill should define “low to moderate income households” because that term is not defined in chapter 302A. HHFDC, the School Facilities Authority, Grassroot Institute of Hawaii, and others supported the measure, arguing it would reduce administrative burden and remove barriers to housing. Members questioned whether the bill should instead repeal the school impact fee entirely; supporters said they also favored full repeal but viewed this bill as a more feasible step. The School Facilities Authority also explained that about $28 million in school impact fees had been collected across four districts and none had yet been spent, and discussed how recent nexus requirements limit how the funds can be used.
HB 1722, relating to residential condominiums, drew extensive testimony and questioning. HCDA supported the bill and explained that it amends the 99-year leasehold pilot program created by Act 97 of 2023 by reducing owner-occupancy restrictions from 100% of units to 60%, allowing some rental or subleasing flexibility for the owner-occupied units, and permitting up to 40% of units to be sold to qualified residents after being on the market for more than 60 days. HCDA said the original restrictions, combined with rising construction costs, higher interest rates, and competition from nearby projects, made the pilot project difficult to market and finance; it said the changes are needed to make the project feasible and competitive. Supporters including AP Hawaii, Kila LLC, and project representatives said the amendments would help make the demonstration project in Kakaʻako viable. Some members raised concerns that the changes could weaken long-term affordability and questioned why certain ownership language was being deleted if rentals would still be restricted. No votes or final committee actions were taken in the portion of the hearing provided.
FL
Transcript Highlights:
- Senator, why are you prohibiting such fees? What's the issue around the fees?
- Senator, why are you prohibiting such fees? What's the issue around the fees?
- model to collect fees.
- And what percent do they get of the fees?
- This is about landing fees.
Keywords:
unauthorized aliens, commercial motor vehicles, safety regulations, civil penalties, law enforcement, ADS-B, automatic dependent surveillance-broadcast, aviation, airports, airport fees, landing fees, departure fees, touch-and-go landing, general aviation, pilot privacy, airspace radius, aircraft tracking, surveillance data, Florida Statutes chapter 330, Part 91
Summary:
The Senate Committee on Transportation met and considered several bills, beginning with CS/SB 86 on commercial motor vehicles operated by unauthorized aliens. The sponsor described the bill as a highway safety measure requiring commercial drivers to be lawfully present, hold a valid CDL, read English, and communicate with law enforcement, with vehicle impoundment, civil penalties, and out-of-service orders for violations. After questions about impacts on carriers and interstate operations, the committee adopted an amendment and reported the bill favorably, with one no vote.
The committee then heard CS/SB 706, which would preempt naming of major commercial service airports to the state and rename Palm Beach International Airport as Donald J. Trump International Airport. An amendment added FAA approval, trademark authorization, and a flexible implementation period for Palm Beach County; county representatives supported the amendment and bill. The committee also approved CS/SB 1670 on the Outsider specialty license plate after an amendment reduced the Huber Brothers Foundation’s share of proceeds from 25% to 10%.
Next, the committee considered CS/SB 1054, dealing with traffic infractions resulting in crashes with another vehicle. The bill would impose escalating fines and license suspensions for crashes caused by running red lights or stop signs, and require bodily injury insurance for a year when injury results. A clarifying amendment limited the insurance requirement to one year, and the bill was reported favorably after supportive testimony from law enforcement and advocacy groups. The final major bill was CS/SB 422 on automated dependent surveillance broadcast (ADS-B) data; it would bar use of ADS-B information to calculate or collect certain landing-related fees. Supporters argued the technology should remain focused on aviation safety and warned against false invoices and discouraging pilot training, while airport representatives said they currently use the data for fee collection and wanted further discussion. After an amendment narrowing the bill’s application, the committee reported CS/SB 422 favorably. The meeting then adjourned.
AZ
Arizona 2026 Regular Session
01/27/2026 - House Natural Resources, Energy & Water
Natural Resources, Energy & Water
Transcript Highlights:
- 1928 Boulder Canyon Project Act, Arizona's allocation of Colorado River water was 2.8 million acre fee
- Cities, when they charge impact fees for water, you need to make sure that whatever revenue came from
- Cities, when they charge impact fees for water, you need to make sure that whatever revenue came from
Keywords:
solar radiation management, environment, prohibition, Arizona Revised Statutes, public health, complaint process, Attorney General, groundwater management, water conservation, irrigation, water supply, brackish groundwater, water supply development, desalination, water infrastructure, financial assistance, environmental reviews, brackish water, groundwater, water resources
Summary:
The committee first received an update from Arizona Department of Water Resources Director Tom Buschatzky on Colorado River negotiations and post-2026 operating rules. He described the legal framework governing Arizona’s allocation, argued that Arizona and the lower basin have already made substantial conservation cuts, and said the upper basin is pressing positions Arizona views as inconsistent with prior Supreme Court rulings. He emphasized the need to move water from upstream reservoirs to Lake Mead, warned of continued shortage risk, and said the state is seeking an equitable deal through ongoing federal and interstate negotiations. Members asked about outside water use, tourism and recreation impacts, and tribal water rights, including the Navajo-Hopi-San Juan Southern Paiute settlement. Buschatzky said the state’s delegation and bipartisan support have been helpful and urged continued public and legislative backing.
The committee then heard House Bill 2758, which would expand McMullen Valley groundwater transportation authority and add related requirements and guardrails, including an amendment increasing the La Paz County transportation cap from 10% to 50% of the annual volume and adding conditions for sales or leases from historically irrigated acres. Supporters, including bill sponsor advocates, the Arizona Municipal Water Users Association, and the Home Builders Association, said the bill would create a lawful, regulated transfer option similar to the Harquahala model, support housing growth, and include oversight through hydrologic studies, pumping limits, and monthly reporting to ADWR. Opponents, including La Paz County Supervisor Holly Irwin’s statement, local residents, Sierra Club, and rural advocates, argued the bill would accelerate aquifer depletion, harm private wells and subsidence conditions, and benefit a New York hedge fund at the expense of rural communities. After debate, the committee adopted the Griffin amendment and then passed HB 2758 as amended on a 6-4 due-pass vote.
The committee next took up House Bill 2098, which would modify bonding authority and public hearing notice requirements for county water augmentation authorities and allow local repayment agreements with WIFA. Pinal County Supervisor Stephen Miller and other supporters said the bill would clean up statutory language so the Pinal County Water Augmentation Authority can finance future water augmentation and infrastructure projects, including potential Bartlett Dam-related work, and better prepare for future Colorado River uncertainty. The Home Builders Association also supported the bill, saying it included proportionality protections for private utility water charges. The bill was moved for a due-pass recommendation and the committee proceeded to a roll call vote, with the transcript ending before the final vote result was shown.
AL
Alabama 2025 Regular Session
Alabama House Lee County Legislation Committee Apr 22nd, 2025
Lee County Legislation
Transcript Highlights:
- allow the county commission to grant an exemption to the mandatory solid waste collection program fees
Bills:
SB293
WY
Wyoming 2026 Regular Session
House Transportation, Highways & Military Affairs Committee, February 17, 2026
Transportation, Highways & Military Affairs
Transcript Highlights:
- So, if you are a resident and you own an EV in the state of Wyoming, you pay a $200 registration fee,
- residents to pay only one upfront fee residents to pay only one upfront fee that<00:24:55.880>
- with what actual gas-powered vehicle owners pay each year in taxes and fees.
- with what actual gas-powered vehicle owners pay each year in taxes and fees.
- Fee that allows for counties to be reimbursed for the expenses that they incurred.
Keywords:
driver's license, motor vehicle services, third-party providers, Wyoming, regulatory compliance, motor vehicle, registration, license plate, electronic system, State Department of Transportation, county treasurers, vehicle fees, public records, license plates, replacement cycle, vehicle registration, motor vehicles, state fees, 916, all