Transcript Highlights:

• A conventional loan is a loan under the federal conforming loan limit that is not insured by VA or FHA
• loan amount.
• /c><00:06:33.440><c> the</c> conventional loan is a loan under the conventional loan is a loan under
• </c><00:07:56.599><c> or</c> loan products such as personal loans or loan products such as personal loans
• Bal loan balance to Affordable Loan Bal loan balance subordinate<00:08:21.039><c> lean</c><00:08:21.520

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

Transcript Highlights:

• </c><03:58:23.840><c> The</c> loans associated with loan agents.
• The loans associated with loan agents.
• made by a loan agent, as well as the overall default rate on loans issued by those agents.
• The SBA inspector general reported that nearly one out of every seven loans involved a loan agent.
• </c><04:01:10.080><c> This</c> loan program responsibly. This loan program responsibly.

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:

• I should say we got a loan to purchase the trike. I should say we got a loan to purchase the trike.
• Swipe cap or fee caps.
• those fees every single time.
• Fee caps aren't the answer.
• They're not loaning the money; we're loaning the money.

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:

• For each fee collected, $1 for non-real property loans and 50 cents for secondary mortgage loans may
• And I'm kind of comparing it to the mortgage loan industry where origination fees and prepaid fees to
• Did having that claim on there cause you to have higher fees and interest for your next loan?
• loan terms before they enter into a loan agreement with the lender, and to provide fully compliant loan
• 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

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: SF119 , SSB1103 , SF46 , SSB1047 , SSB1070 , SF121

Committee: Joint Commerce

Keywords: auto insurance, motor vehicle insurance, financial responsibility, liability coverage, minimum coverage limits, bodily injury, property damage, uninsured driving, proof of insurance, insurance reform, car insurance, vehicle registration, transportation network company, rideshare, TNC, Iowa Code chapter 321A, insurance penalties, mandatory insurance, mortgage, mortgage banker

Transcript Highlights:

• finance charges for a consumer loan other than a credit card, to provide for maximum origination fees
• So that’s when you, at the time of making a loan, then you charge that origination fee, just like a bank
• On this, it will be strictly a fixed fee. In current statute, it’s a fixed fee of $50.
• maximum loan finance charges, to provide for an origination fee, to provide for an assistance program
• This loan ends. And so... This loan ends.

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

Transcript Highlights:

• </c> Here's our fee for $400." Here's our fee for $400."
• Eventually they relented and didn't charge the fee, but we basically paid the fee in attorney's fees
• Eventually they relented and didn't charge the fee, but we basically paid the fee in attorney's fees
• Eventually they relented and didn't charge the fee, but we basically paid the fee in attorney's fees
• . fees. fees.

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:

• And I do agree that DOH should be able to recover fees for what the fee is supposed to go to.
• And I do agree that DOH should be able to recover fees for what the fee is supposed to go to.
• And I do agree that DOH should be able to recover fees for what the fee is supposed to go to.
• And I do agree that DOH should be able to recover fees for what the fee is supposed to go to.
• And I do agree that DOH should be able to recover fees for what the fee is supposed to go to.

Bills: SB5420 , SB5877 , SB5868 , SB5109 , SB5832 , SB5922 , SB5944 , SB5988 , SB6065 , SB6103 , SB6151

Committee: House Appropriations

Keywords: veterans, military spouses, service members, uniformed services, National Guard, reservists, active duty, qualifying discharge, veterans preference, hiring preference, public employment, state benefits, license renewal, professional licensing, retirement service credit, pension, public retirement system, Washington RCW, military leave, reemployment rights

Transcript Highlights:

• Currently, a financial institution may charge an administrative fee for non-real-property loans and secondary
• mortgage loans in an amount set by the Finance Code or by the Finance Commission rule for each fee collected
• each fee collected: $1 for non-real-property loans and 50 cents for secondary mortgage loans may be
• fees—whatever that typical market fee is—that's correct, sir?
• The language limits the fee to the industry standard merchant fee.

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: SF26 , SF261 , SSB1116 , SSB1151 , SSB1114 , SSB1140 , SSB1181 , SSB1182 , SSB1184 , SSB1190 , SSB1206 , SSB1188 , SSB1180 , SSB1115

Committee: Joint Local Government

Keywords: emergency management, local budgets, funding models, property tax, county commission, SF 261, SF 580, Iowa ethics law, government ethics, gift ban, public officials, local officials, local employees, political subdivision, medical expenses, health care expenses, crowdfunding, fundraising platform, donations, ethics exemption

Transcript Highlights:

• We're going to loan her out to the Missouri folks, and then bring her back home. ...and then bring her
• Senate Bill 184 we passed earlier addressing the shortage of athletic trainers in the state and the loan
• repayment program. ...the state and the loan repayment program.
• There was a program that we established three or four years ago that would provide loans for athletic
• An increase in terms of... an increase in terms of the loan amount or no loan amount remains the same

Bills: SB213 , HB24 , HB163 , HB226 , HB271 , HB288 , HB319 , HB24

Committee: Senate Finance and Taxation Education

Keywords: utility tax, poultry industry, energy consumption, agricultural exemption, tax exemption, HB24, Volunteer Rescue Squad Tuition Reimbursement Program, EMS, emergency medical services, EMSP, paramedic training, EMT training, tuition reimbursement, scholarship, workforce development, volunteer rescue squad, volunteer fire department, ambulance service, nonprofit ambulance, Alabama Department of Public Health

Transcript Highlights:

• So we also want to make sure that as we're offering loan assistance, our teachers are taking advantage
• So, the loan assistance program is being expanded to try to fulfill the need of other areas across the
• So the loan, just for my information, the loan program pays for them to get the certification.
• They can reimburse what they had if they have federal loan debt. Okay.
• If they have federal loan debt. Okay. Any other questions? Representative Fer. Uh, yeah, Terry.

Bills: HB226 , HB24 , HB309 , HB315 , HB272 , HB24 , HB226 , HB309 , HB315 , HB272

Committee: House Ways and Means Education

Keywords: HB226, homestead exemption, ad valorem tax, property tax, property tax relief, widow, widower, unremarried spouse, surviving spouse, senior exemption, elderly, disabled, permanently and totally disabled, blind taxpayer, deed ownership, principal residence, school tax, county tax, municipal tax, Alabama Department of Revenue

Transcript Highlights:

• Members, this bill relates to student access to certain academic records, authorizing a fee.
• ratio, loan-to-debt-to-income ratio between institutions and programs.
• We've been working very hard to hold tuition and fees. steady now, I believe this is the third session
• College application fees alone can be a deterrent. current for prospective students.
• Research shows that application fees, even modest ones, can discourage students from applying to malls

Bills: HB42 , HB 125 , HB 1233 , HB2853 , HB3148 , HB3326 , HB3701 , HB4066 , HB4361 , HB4762 , HB4909 , HB4912 , HB42 , HB125

Committee: House Higher Education

Keywords: higher education, funding, financial allocation, state budget, Texas A&M University, University of Houston, education funding, medical education, osteopathic medicine, healthcare workforce, Tarleton State University, industry-recognized credentials, workforce development, career opportunities, feasibility study, student fees, university funding, student union, education, UT El Paso

Transcript Highlights:

• Public service workers can attain loan forgiveness.
• Public service loan forgiveness is a federal program that provides federal student loan debt forgiveness
• The fee has not changed since 1980, number one.
• So what I'm trying to get at is how much more in tuition and fees, total tuition and fees, would an out-of-state
• There are loan forgiveness programs and so forth.

Bills: HB42 , HB 125 , HB 1233 , HB2853 , HB3148 , HB3326 , HB3701 , HB4066 , HB4361 , HB4762 , HB4909 , HB4912 , HB42 , HB125

Committee: House Higher Education

Keywords: higher education, funding, financial allocation, state budget, Texas A&M University, University of Houston, education funding, medical education, osteopathic medicine, healthcare workforce, Tarleton State University, industry-recognized credentials, workforce development, career opportunities, feasibility study, student fees, university funding, student union, education, UT El Paso

Summary: The Committee on Higher Education met to hear several bills and first corrected the minutes from its April 1, 2025 meeting to reflect that a committee substitute for HB 271 had been adopted before the bill was reported favorably. The committee then heard HB 3326, which would help Texas higher education employees, especially adjunct faculty, qualify for federal Public Service Loan Forgiveness by counting classroom hours toward full-time status, requiring institutions to verify employment within 60 days, and requiring annual notice to eligible employees. No witnesses testified against the bill, and it was left pending. Members then heard HB 2853, authorizing UTEP to phase in a student union fee increase to fund demolition and reconstruction of its aging student union. Representative Perez and UTEP student and university witnesses said the current facility is outdated and insufficient for a campus of more than 25,000 students, while some members raised concerns about the size of the fee increase and its impact on low-income students. UTEP representatives said most students receive aid, the fee would be phased in over time, and the project was student-approved; the bill was left pending. The committee also heard HB 4066, a one-line bill to abolish the Texas Research Incentive Program after the state cleared its backlog of matching obligations, with the author saying the program was no longer needed in light of newer research funding approaches. The bill was left pending. The committee spent substantial time on HB 125, which would create the Tarleton State University College of Osteopathic Medicine. Supporters, including Tarleton leadership, the founding dean, a rural hospital CEO, and a feasibility consultant, argued the school would address severe rural physician shortages by recruiting Texas and rural students, training them in rural settings, and developing new residency slots rather than competing for existing ones. Members asked about affordability, residency placement, and whether the school would draw students from rural Texas; Tarleton said it would seek to keep tuition and debt low, had already raised private donations, and would request $25 million in state support over the biennium. The bill was left pending. Finally, the committee heard HB 42, which would increase the annual Higher Education Fund appropriation and adjust its allocation methodology. The chair and university witnesses described rising deferred maintenance, inflation, cybersecurity needs, and enrollment growth at HEAF-eligible institutions, with witnesses from Texas Tech, Sam Houston State, and UNT saying the additional funding would help address aging facilities and technology needs. After testimony, the committee left HB 42 pending and recessed.

Transcript Highlights:

• House Bill 3980 creates the Rule Loan Assistance Program.
• The program will provide loan repayment assistance to assistant district attorneys who commit to long-term

Bills: HB2650 , HB2696 , HB3177 , HB3264 , HB3298 , HB3321 , HB3322 , HB3497 , HB3499 , HB3500 , HB3742 , HB3845 , HB3941 , HB3970 , HB3980 , HB3981 , HB4421

Committee: Senate Judiciary

Keywords: probate, estate administration, summary administration, decedent, inheritance, open records, educational records, cybersecurity, student privacy, confidential information, court reporters, salaries, legislation, employment compensation, state administration, Oklahoma, criminal justice, minimum sentences, parole eligibility, violent crimes

Transcript Highlights:

• We had over 80 small business emergency loans and close to a dozen loan guarantees.
• We had over 80 small business emergency loans and close to a dozen loan guarantees.
• We had over 80 small business emergency loans and close to a dozen loan guarantees.
• We had over 80 small business emergency loans and close to a dozen loan guarantees.
• </c> loans would only deepen this crisis. loans would only deepen this crisis.

Bills: HF4477

Committee: House Workforce, Labor, and Economic Development Finance and Policy

Keywords: Minnesota business recovery loan program, small business loan, zero-interest loan, forgivable loan, business recovery, economic development, small business emergency loan account, Minnesota Initiative Foundations, nonprofit lenders, greater Minnesota, Twin Cities metro, seven-county metropolitan area, immigration enforcement, business interruption, revenue loss, job preservation, business stabilization, state appropriation, forward fund, loan forgiveness

Transcript Highlights:

• And you can't raise any of the fees on this until 2030, and only after that can you do a raise according
• It sets a reasonable cap at $40,000 for the cost of publishing the list. raise any of the fees on this
• until 2030 raise any of the fees on this until 2030 and<00:15:41.600><c> only</c><00:15:41.920><c> after
• the county could bid out the publication of the list and then only pay the newspaper and insertion fee
• </c> newspaper and insertion fee. newspaper and insertion fee. &gt;&gt; Okay. &gt;&gt; Okay.

Bills: HB272 , HB272

Committee: House Constitution, Campaigns and Elections

Keywords: HB272, LASEA, AMSTEP, Alabama Commission on Higher Education, State Department of Education, teacher loan repayment, student loan forgiveness, educator shortage, teacher shortage, acute educator shortage, acute shortage location, public K-12 schools, school systems, math teachers, science teachers, computer science teachers, charter schools, failing schools, underperforming schools, teacher recruitment

Bills: HF117 , HF392 , HF703 , HF393 , HF269 , HF865 , HF870 , HF189 , SF176 , SF277 , SF288

Committee: Joint Education

Keywords: National Guard, scholarship, education, military service, professional qualification, year-round calendar, school districts, accredited nonpublic schools, Department of Education, student loans, financial aid, college affordability, Direct PLUS loan, federal student loans, state supplemental loans, college family loan, partnership loan, Iowa College Aid, Iowa Student Loan Liquidity Corporation, APR

Transcript Highlights:

• Fees meant to protect the taxpayer from having to subsidize. bad loans.
• For three years straight, the SBA cut these fees, inexplicably allowing loans of up to $1 million to
• All sorts of loans. Not just SBA loans. Loans that have helped create or retain 2,200 jobs.
• When we provide loans, we're not just providing loans to paper. We're providing loans to people.
• Over roughly that same period, upfront borrower fee revenue has decreased by 13 percent, while loan purchases

Committee: Senate Small Business and Entrepreneurship Committee

Keywords: SBA, 7A loan program, underwriting standards, loan defaults, Community Advantage Program, small business funding, testimony

Summary: The committee meeting focused on discussions regarding the SBA's 7A loan program and its implementation challenges. Members raised significant concerns about recent changes to the underwriting standards, which have been criticized for leading to an increase in loan defaults. Ranking members expressed a desire for a return to stronger guidelines to protect taxpayers and ensure the program remains a viable source for small businesses struggling to secure funding. Testimonies from community lenders highlighted their efforts to support underserved communities and stressed the importance of the Community Advantage Program.

Transcript Highlights:

• This is really a cleanup bill that surrounds licensing fees and renewal fees for mortgage brokers.
• that language from 2024 to really put a definition of the word 'originated' as it relates to renewal fees
• There was a bill last year that was trying to impose a lot of regulation as well as increased fees on

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