Transcript Highlights:

• This lenders and access to financing.
• </c><04:19:21.680><c> council</c> a financial stability oversight council a financial stability oversight
• </c><04:19:59.120><c> and</c> institution for enhanced oversight and institution for enhanced oversight
• </c> Reserve's important role as the lender Reserve's important role as the lender of<04:41:40.320><c
• </c><08:43:08.878><c> The</c> longer face redundant oversight. The longer face redundant oversight.

Bills: HB1531 , HB6644 , HB3190 , HB3390 , HB3682 , HB5616 , SB3705

Keywords: Taiwan, China, banking organizations, financial regulators, national security, Burma, sanctions, foreign relations, accountability, economic oversight, military accountability, discount window, Federal Reserve, Federal Reserve Act, Board of Governors, liquidity, bank liquidity, emergency lending, lender of last resort, financial stability

Transcript Highlights:

• It's about oversight.
• </c><03:58:12.560><c> of</c> would require the SBA's oversight of would require the SBA's oversight of
• The requirement would allow for more effective oversight.
• Speaker, I rise in support of H.R. 1804, the 7A Loan Agent Oversight Act.
• </c><04:03:07.120><c> to</c><04:03:07.439><c> one</c> oversight and real accountability to one oversight

Bills: HB1804 , HB1642 , HB1621 , HB1634 , HR789 , HR787 , HB1816 , HB3490 , SB160

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

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

Keywords: Farmer-Lender Mediation Act, mediation, agriculture finance, debt relief, civil law

Bills: SB524 , SB782 , HB42 , HB 1056 , HB2894 , HB3033 , HB3474 , HB3594 , HB4738 , HB5246 , HB42

Committee: Senate Finance

Keywords: SB 524, Texas franchise tax, veteran-owned business, new veteran-owned business, business tax exemption, filing fee exemption, Tax Code Chapter 171, Business Organizations Code, Comptroller, small business, veterans, entrepreneurship, tax repeal, privilege tax, beginning date, franchise tax exemption, severance tax, oil, gas, restimulation wells

Summary: The committee heard Senator Flores lay out the committee substitute for HB 2894, which would expand state reimbursement eligibility for local governments disproportionately affected by the disabled veterans homestead exemption. Flores said the bill would add certain municipalities in Bell, Coryell, and Lampasas counties if lost ad valorem tax revenue equals or exceeds 10% of general revenue, while existing recipients would remain under the current 2% threshold. Lampasas and Bell County officials and the City of Killeen testified in support, describing significant revenue losses and urging adequate funding. One witness, Howard Avery, argued any reimbursement should be counted as property tax revenue for voter-approval rate purposes to avoid a windfall. The committee later adopted the substitute and reported the bill favorably, with one nay. The committee also heard SB 782, which would create a temporary severance tax exemption for restimulated inactive oil and gas wells, intended to encourage investment in mature wells. The Comptroller explained the revised fiscal note as effectively zero because the wells are currently marginal and not generating meaningful tax revenue, while industry witnesses said the bill could extend well life, support local economies, and reduce orphan-well liabilities. Public testimony was supportive, and the bill was left pending. Members then heard HB 3033, a DPS-related grant program funded by voluntary $3 donations on driver’s license and ID applications to support nonprofits aiding injured or fallen DPS officers and their families, including memorial highway signs. The DPS Officers Association supported the bill, citing existing foundation assistance and the need for a steady funding stream. The committee later reported the bill favorably. The committee also considered SB 524, which would permanently extend the franchise tax and fee exemption for qualifying veteran-owned businesses for their first five years; testimony from a veteran business owner and veterans advocates supported the measure, and the committee adopted the substitute and reported it favorably. Additional measures were laid out and left pending or voted out: HB 3594, a local San Antonio retiree health care fund bill with agreed changes for contributions, spouse benefits, and remarriage rules, was supported by stakeholders and reported favorably; HB 4738 would repeal small administrative fees tied to certain loans and was reported favorably; HB 42 on HEAF funding and HB 5246 on the Texas Space Commission were heard and left pending. The committee also reported HB 3474, a cleanup bill for the Pension Review Board’s investment performance review schedule, and HB 2802, the Austin firefighter retirement fund bill, both favorably. Finally, the committee took up HB 1056, which would allow gold and silver held in the Texas Bullion Depository to function as legal tender through debit-card transactions. Supporters framed it as a way to use hard assets and expand financial options, while bankers and some senators raised major operational, consumer-protection, tax, and constitutional questions; the bill remained under discussion as testimony began.

Bills: SB1265 , SB2154 , SB1775 , SB2139 , SB1552 , SB483 , SB1198 , SB2135 , SB2118

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

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

Transcript Highlights:

• </c> Referred to the Committee on Oversight Referred to the Committee on Oversight and<02:18:51.359><
• Biden's SBA hid behind promises of lender oversight and stronger borrower protection, yet still awarded
• oversight</c><02:57:54.640><c> and</c> promises of lender oversight and promises of lender oversight
• </c> Speaker, I am not opposed to oversight. Speaker, I am not opposed to oversight.
• They fill the gap that traditional lenders and larger 7(a) lenders want to leave.

Bills: HB2987 , HB2931

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

Transcript Highlights:

• Lenders originating conventional loans may only charge a single service charge not exceeding 1% of the
• <00:06:43.440><c> originating</c><00:06:44.039><c> conventional</c><00:06:44.520><c> loans</c> lenders
• 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>
• </c> originate with the 1% cap due to lenders originate with the 1% cap due to lenders fixed<00:07:45.039

Bills: HF1865 , HF2014 , HF2028

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

Bills: HF3794 , HF4472 , HF4410 , HF4347 , HF4412 , HF4398 , HF4397 , HF4201 , HF4199 , HF4203 , HF3706 , HF4071 , HF4120 , HF4175 , HF4188

Committee: House Commerce Finance and Policy

Keywords: surveillance, price discrimination, wage discrimination, automated decision systems, consumer protections, data privacy, biometrics, school district health insurance, charter school health benefits, employee benefits, public sector health insurance, health insurance survey, Legislative Budget Office, LBO report, premium costs, retiree coverage, broker commissions, third-party administrator, health plan transparency, health reimbursement arrangement

Transcript Highlights:

• This bill really changes our oversight options for the department of insurance.
• Right now, our department of insurance does not have all the tools in their toolbox for oversight when
• And I'm very concerned about the state of Oklahoma not having any type of oversight or regulation when

Bills: SB1969 , SB1953 , SB1277 , SB1287 , SB1061 , SB1916 , SB1589 , SB2178 , SB1444 , SB1438 , SB1501 , SB1873 , SB1364

Committee: Senate Business and Insurance

Keywords: massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits

Transcript Highlights:

• There's no federal oversight on that. I would urge the federal government to look into this issue.
• As a lender, they eat the whole thing if there's a default.

Bills: HB245 , HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175

Committee: House Pensions, Investments & Financial Services

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

Transcript Highlights:

• In some cases, there are confessions of judgment clauses that allow lenders to seize assets.
• Also, as part of my law practice, I advise commercial lenders, factors, and banks. ...who have, some
• banks have revenue-based finance programs, or so-called MCAs, and lenders on how to comply with state
• I'm here to give you my testimony from the vantage point of someone who represents lenders and who's
• Okay, so why don't we regulate your industry just like we do all other lenders?

Bills: HB245 , HB700 , HB2783 , HB3526 , HB3900 , HB4061 , HB4124 , HB4166 , HB4395 , HB4534 , HB4609 , HB4641 , HB4736 , HB4738 , HB4739 , HB4945 , HB5015 , HJR175 , HB245

Committee: House Pensions, Investments & Financial Services

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

Bills: SR29 , SB667 , SB1466 , SB1942 , SB1989 , SB1670 , SB1716 , SB1521 , SB1273 , SB1433 , HJR1032 , SB1969 , SB1953 , SB1277 , SB1287 , SB1061 , SB1916 , SB1589 , SB2178 , SB1444 , SB1438 , SB1501 , SB1873 , SB1364

Keywords: Black History Month, Black Oklahomans, civil rights, Tulsa Race Massacre, Greenwood, Jim Crow, segregation, all-Black towns, Boley, Langston University, Clara Luper, NAACP Youth Council, Oklahoma Civil Rights Trail, Black history, African American history, racial justice, commemorative resolution, Black excellence, state history, heritage month

Transcript Highlights:

• I urge your support for SF 1750. immediate oversight. Here's one example immediate oversight.
• 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
• don't lenders as well because lenders don't want<01:38:49.679><c> to</c><01:38:49.840><c> foreclose<

Bills: SF1750 , HF704 , HF3479

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

Transcript Highlights:

• Lenders could be a major help in getting this issue resolved for the municipality could also be a major

Bills: SB2106 , SB1471 , SB2139 , SB2154 , SB1619

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

Transcript Highlights:

• The Texas Department of Housing and Community Affairs is what I'll call the oversight body.
• 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.

Bills: HB1342 , HB2889 , HB3002 , HB3254 , HB4820 , HJR40 , HJR40

Committee: House Pensions, Investments & Financial Services

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

Bills: HB1411 , HB2980 , HB3015 , HB3147 , HB3277 , HB3323 , HB3443 , HB3882

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

Bills: SB1873 , SB1948 , SB540 , SB1653 , SB1061 , SB1534

Committee: House Business

Keywords: roofing, contractor registration, continuing education, endorsement, construction industry, fireworks, consumer safety, local governance, emergency declaration, public safety, dentist, dental hygienist, dentistry, dental hygiene, licensure compact, interstate compact, professional licensing, license portability, health workforce, workforce shortage

Transcript Highlights:

• Uh, and as we look into the era of more oversight of funding, this bill aligns AFAC with that purpose
• on where our dollars should be going or where they're going, it just aligns our purpose for more oversight
• , it just aligns our purpose<00:36:25.520><c> for</c><00:36:25.760><c> more</c><00:36:26.079><c> oversight
• Uh for those purpose for more oversight.
• I think as we look into more oversight of where funding dollars are being spent, this is just to add

Bills: HF3898 , HF3957 , HF4372 , HF4350 , HF3692 , HF4085

Committee: House Agriculture Finance and Policy

Keywords: pesticides, wild rice, environmental protection, agriculture, water quality, pollinators, training, management plan, fertilizer research, education grants, Minnesota Agricultural Council, technology transfer, agricultural productivity, HF4372, Minnesota agriculture, meat processing, meat processing training, retention incentive grants, grant extension, project deadline extension

Transcript Highlights:

• “This is House Bill No. 545 by Representative Riser relative to maximum charges by lenders, to provide
• maximum finance charge tiers, adding disaster relief protections for our borrowers, and requiring lenders
• But the bigger issue from my perspective is, and we have this debate when we talk about payday lenders
• You'd want to go there, but it certainly beats going the payday lender route or the predatory lender
• So to be accurate, we are constantly in competition with other lenders in this space.

Bills: HB489 , HB545 , HB555 , HB583 , HB670 , HB672 , HB797 , HB814 , HB913 , HB952

Committees: House Commerce , House Commerce, Consumer Protection, and International Affairs

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