Transcript Highlights:

• The grants and forgivable loans proposed would help stabilize businesses by covering essential costs
• > loans<00:48:26.720> proposed The grants and forgivable loans proposed The grants and
• forgivable loans proposed would<00:48:27.520> help<00:48:27.760> stabilize<00:48:28.400
• Why did the bill change from a forgivable loan when we started to a grant?
• Chair Baker, the bill I carried did not have just forgivable loans.

Bills: HF4477

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

Bills: HB272, HB272

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

Transcript Highlights:

• by Senators Scott (member_3738) and Schiff (member_3508) to increase transparency in SBA's disaster loan
• Last year, SBA's disaster loan account had a completely unacceptable 66-day shortfall, which prevented
• (member_3738) and Schiff's (member_3508) bill directing SBA to publish its reports on the disaster loan
• In fact, you know, that they tried to use to get a loan from the SBA, and I just think it is wrong.
• We will move on to amendments to S.300, the Disaster Loan Accountability and Reform Act.

Bills: SB298, SB300, SB371

Keywords: employee relocation, headquarters, Small Business Administration, Washington metropolitan area, telework, cost reduction, rural markets, geographic diversity, disaster loans, accountability, reporting, loan forgiveness, federal funding, SBA reforms, small business, disaster assistance, transparency, report publication, government accountability

Transcript Highlights:

• Line 64 is the Large Veterinary Loan Forgiveness Program, which has a reduction of $100,000 in each biennium
• Line 65 is the Ag Educators Loan Forgiveness Program, which has a $10,000 reduction in each biennium.
• Line 66 is the elimination of the Aviation Degree Loan Forgiveness Transfer, resulting in a $50,000 savings
• They're working multiple jobs, taking out loans, and living on the edge.
• We need to address loan forgiveness programs and the elimination of the loan counseling program as well

Bills: HF2312

Keywords: higher education, college finance, student aid, financial aid, state grants, North Star Promise, scholarships, tuition relief, Minnesota State, University of Minnesota, Office of Higher Education, work-study, child care grants, Indian scholarships, tribal colleges, Hunger-Free Campus, student parents, pregnant students, parenting students, sexual misconduct

Transcript Highlights:

• Line 63 is the teacher shortage loan forgiveness repayment program.
• Line 64 is the large animal veterinary loan forgiveness program.
• Line 65 is the educator's loan forgiveness program, with a $10,000 reduction in each biennium.
• Line 66 is the elimination of the aviation degree loan forgiveness transfer, which is a $50,000 savings
• In particular, he wanted to touch on some of the cuts being made to loan forgiveness programs and the

Bills: HF2312

Keywords: higher education, college finance, student aid, financial aid, state grants, North Star Promise, scholarships, tuition relief, Minnesota State, University of Minnesota, Office of Higher Education, work-study, child care grants, Indian scholarships, tribal colleges, Hunger-Free Campus, student parents, pregnant students, parenting students, sexual misconduct

Transcript Highlights:

• It creates the Autism Education Loan Forgiveness Program, and I'm so excited about this.
• And the program will allow individuals to receive loan forgiveness for up to five annual payments of

Bills: S0206, S0420, S0556

Keywords: autism, autism spectrum disorder, ASD, special education, exceptional student education, ESE, teacher preparation, educator certification, micro-credential, loan forgiveness, student loan repayment, teacher stipend, salary supplement, professional development, inclusive education, developmental disabilities, Down syndrome, behavioral disabilities, school district compensation, collective bargaining

Summary: The committee first heard SB 420, which would require portraits of George Washington and Abraham Lincoln to be prominently displayed in classrooms used for social studies and in all K-5 classrooms, with the Department of Education selecting the portraits. Senator Burgess framed the bill as a patriotic and educational measure tied to America’s 250th anniversary, while Senator Davis raised concerns about exclusivity, political precedent, and state intrusion into local classroom decisions. Senator Osgood and others asked about sensitivity to diverse student populations and whether additional figures such as Harriet Tubman could also be displayed. Burgess said the bill would not prevent other displays, emphasized the two presidents’ historical significance, and committed to funding support so the mandate would not burden districts. The committee voted the bill favorably. The committee then took up CS/SB 206 on autism education and teacher preparation. Senator Harrell’s strike-all amendment required teacher preparation programs to include autism and other neurodevelopmental disabilities, required ESE-certified teachers to complete an autism microcredential, created an autism loan forgiveness program and salary supplement provisions, and directed district professional development to include autism-specific training with local CARD centers. A second amendment removed a proposed change to the legal definition of autism so that issue could be handled separately. Senators Davis and Osgood asked about implementation timelines, grandfathering current teachers, and how the bill would affect educators already working in autism classrooms; Harrell said he was open to further discussion and wanted to ensure flexibility while still requiring the credential. Public testimony included support from Orange County Public Schools, a parent of children with autism, and others. The committee adopted the amendments and reported the bill favorably. Finally, the committee heard CS/SB 556, which allows students with disabilities to satisfy the high school physical education requirement by participating in Special Olympics for one year if included in the student’s IEP. An amendment also clarified that two years of marching band satisfies both the PE credit and a fine or performing arts credit. Supporters said the bill expands inclusive options and reduces administrative burdens, and Senator Yarborough praised the change as giving students more flexibility. The committee adopted the amendment and reported the bill favorably. The committee also took up confirmation votes for appointments in tabs 4 through 7 and recommended all of them favorably by a single roll call vote.

Bills: HF2431

Keywords: higher education, college affordability, student aid, state grants, North Star Promise, scholarships, financial aid, Minnesota State, University of Minnesota, Office of Higher Education, tuition relief, work-study, child care grants, hunger-free campus, food insecurity, student parents, pregnant students, parenting students, sexual misconduct, Title IX

Bills: HF2431

Keywords: higher education, college affordability, student aid, state grants, North Star Promise, scholarships, financial aid, Minnesota State, University of Minnesota, Office of Higher Education, tuition relief, work-study, child care grants, hunger-free campus, food insecurity, student parents, pregnant students, parenting students, sexual misconduct, Title IX

Transcript Highlights:

• It creates the Autism Education Loan Forgiveness Program for completion of a master's degree or Autism
• This bill would also create the Autism Educator Loan Forgiveness Program, which would help...
• Equally important is the Autism Educator Loan Forgiveness Program.
• The loan forgiveness program also matters.
• Loan forgiveness must be reliable and easy for students to access.

Bills: S0124, S0206, S0420

Keywords: Florida Virtual School, FLVS, virtual school, online education, distance learning, K-12 education, public school choice, charter-like franchise, student enrollment priorities, home education, homeschool, military families, active duty military, rural schools, inner-city schools, accelerated graduation, education technology, supplemental funding, direct-support organization, foundation

Summary: The committee first heard SB 124, which updates Florida Virtual School’s statute to remove outdated language and clarify its service, funding, governance, reporting, and district coordination provisions without changing day-to-day operations. Florida Virtual School testified in support, members praised the bill, and it passed unanimously on a roll call vote. The committee then took up CS for SB 206 on students with autism spectrum disorder. Senator Harrell explained that the bill would require autism and neurodevelopmental training in educator preparation programs, require ESE-certified teachers to complete an autism microcredential, create an Autism Educator Loan Forgiveness Program, provide salary supplements for teachers with the autism endorsement, and require district professional development to include autism-specific training with local CARD centers. A large number of speakers—teachers, parents, students, and advocacy groups—supported the bill while urging that implementation be fully funded, high quality, and not become an unfunded mandate. Several members spoke in favor, emphasizing the growing number of students with autism and the need to recruit and retain special education teachers. The bill was reported favorably by committee vote. Finally, the committee considered SB 420 on patriotic displays in classrooms. Chair Burgess explained the bill as a way to place portraits of George Washington and Abraham Lincoln in schools to encourage civic and patriotic reflection, and he offered an amendment narrowing the requirement from every classroom to one prominent display in each school and adding language making it subject to state appropriation. The amendment was adopted. Testimony on the bill was mixed: some speakers supported the idea as a spark for civic discussion, while many others opposed it as symbolic, unnecessary, or better addressed through curriculum and teacher training rather than mandated displays. In debate, some senators argued the portraits could prompt broader historical conversations, while others raised concerns about representation, classroom autonomy, and funding. The transcript ends during debate on the amended bill, before a final vote is shown.

Transcript Highlights:

• If the requirement isn't met, the scholarship converts to a loan.
• I feel that as somebody with $100,000 of student loan debt, and as someone who had college that was never
• Forgive me for mispronouncing your name. Welcome to the committee.
• They had to take out loans. And so, it's not like we're flush with money over here.
• forgiveness and so on.

Bills: HF2634, HF2241, HF2649, HF2520, HF2610

Keywords: North Star Promise, scholarship, higher education, Minnesota Office of Higher Education, in-demand jobs, workforce development, career training, job market, high-demand occupations, high-demand industries, college aid, state financial aid, FAFSA, student eligibility, program of study, degree program, certificate program, community college, university, labor market data

Transcript Highlights:

• If the requirement isn't met, the scholarship converts to a loan.
• Forgive me for mispronouncing your name. Close. Welcome to the committee.
• Forgive me for mispronouncing the Lea. Forgive me for mispronouncing your<01:04:59.119> name.
• Um and so They had to take out loans.
• forgiveness and so on.

Bills: HF2634, HF2241, HF2649, HF2520, HF2610

Keywords: North Star Promise, scholarship, higher education, Minnesota Office of Higher Education, in-demand jobs, workforce development, career training, job market, high-demand occupations, high-demand industries, college aid, state financial aid, FAFSA, student eligibility, program of study, degree program, certificate program, community college, university, labor market data

Transcript Highlights:

• existing tuition. reimbursement programs and programs providing assistance with the repayment of student loans
• It's just a plan; it does not. actually establish any loans or tuition assistance; it just develops the
• During the last biennium, the legislature appropriated million to the loan repayment program, a substantial
• The Act maintains funding for the loan repayment program at the same levels as last year.
• Forgive me, but SB37 is just so Soviet.

Bills: HB2476, HB2893, HB4848, HB5062, SB37, SB60, HB2860, HB4930, SB646, SB 37

Keywords: living expenses, higher education, student support, homeless students, financial aid, grant program, baccalaureate degrees, junior colleges, workforce development, Texas Higher Education Coordinating Board, competency-based education, baccalaureate degree, cost of attendance, dual credit, computer science, course credit, foreign language requirement, curriculum review, governing board, faculty council

Transcript Highlights:

• Modifications and even debt forgiveness to mask nonperforming loans loan forgiveness does not manage
• 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.
• larger loans— and a larger loan for us is a loan over $75,000— are people coming to us with insufficient
• And the 7A loan program is healthy. Ninety-nine percent of loans are healthy.

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:

• Senator Yarbrough, forgive me for not seeing you earlier, asking you one-on-one.
• If they had loans or debts, they could write those off for federal purposes.
• It creates the Autism Education Loan Forgiveness Program for completion of a master's degree in autism
• That is a repayment program, a loan repayment program.
• So this surrogacy— forgive my long introduction— I'm going to do a Pizzo question now.

Bills: S0006, S0026, S0206, S0532, S0576, S1012, S1110, S1178, S1192, S1758, S1760, S7046, S7048

Keywords: child welfare, negligence, settlement, injury compensation, Department of Children and Families, motorcycle accident, compensation, Department of Transportation, legal claim, autism, autism spectrum disorder, ASD, special education, exceptional student education, ESE, teacher preparation, educator certification, micro-credential, loan forgiveness, student loan repayment

Summary: The Appropriations Committee met and considered a large agenda of bills, reporting several measures favorably. Early action included SB 6, a settled claim bill involving the Department of Children and Families and the estate of Leila Estrada and Sapphire Williams, which was approved for $3.8 million. The committee also passed a cybersecurity internships bill creating a Department of Commerce program with Cyber Florida, and SB 532, which lets clerks of court retain the full amount of certain excess revenue and clarifies foreclosure-sale procedures. Veterans housing measures, CS for CS for SB 1602 and SB 1604, were approved to create a pilot program and a related trust fund for vacancy relief and risk mitigation for veteran housing. The committee also favorably reported SB 1110 on Medicaid and insurance coverage for orthotics and prosthetics, with emotional testimony from a student and family describing the high cost and importance of activity-specific prosthetics. Members also approved CS for CS for SB 1012 after adopting an amendment that removed inmate emergency and specialty medical service compensation provisions while retaining changes to the contractor-operated institutions inmate welfare trust fund. Another bill, CS for CS for SB 1614, was narrowed by a delete-all amendment to focus on limiting the use of excess fees for new building construction by local governments. All of these measures were reported favorably after brief debate, with some support testimony submitted in writing or waived. The most extensive discussion centered on CS for CS for SB 17, a major Medicaid and public assistance overhaul. The bill would create a Joint Legislative Committee on Medicaid Oversight, allow the Legislature to retain its own actuary, tighten Medicaid program oversight, update encounter-data reporting, set performance standards for managed care plans, revise pharmacy benefit manager rules, and require DCF to implement SNAP fraud-reduction and payment-accuracy reforms, including photo IDs on EBT cards and updated work requirements. It also would direct agencies to seek federal waivers for Medicaid work requirements for able-bodied adults and expanded behavioral health services. After lengthy questioning and testimony, the committee adopted amendments adding a transitional medical benefits glide path for people who gain employment and later lose Medicaid eligibility, and exempting hospice patients with six months or less to live. Supporters argued the bill would improve accountability, reduce fraud, and save money, while opponents warned it would create administrative burdens, increase paperwork, and cause eligible people to lose coverage or food assistance. The committee ultimately reported the bill favorably as amended.

Transcript Highlights:

• There's going to be a senior construction loan, kind of a mezzanine loan, which is a DERF loan.
• loans.
• VA or FHA loans and 5.7% for VA or FHA loans and 5.7% for conventional<00:55:08.720> loans.
• conventional loans. conventional loans.
• many other loan programs. many other loan programs.

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.

Transcript Highlights:

• We have some loan reimbursement for some of those positions that are not being fully taken advantage
• Amstep was for STEM teachers, and this one just is loan assistance and.
• This one just is loan assistance and support of educators in Alabama.
• not a part of STEM, but they. ...that are not a part of STEM, but they would then qualify for this loan

Bills: SB166, HB365, HB272, HB232, HB234, SB278, SB277

Keywords: Ten Commandments, public education, displays, funding, Alabama law, STEM, science education, technology education, engineering education, math education, workforce development, career pathways, Alabama STEM Council, Department of Workforce, education policy, higher education, community colleges, K-12 education, teacher pipeline, STEM careers

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

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:

• loan fund.
• It isn't an operating loan program.
• And you do have to be financially solvent if you get this loan.
• Medical Facility Infrastructure Loan Fund.
• So if we give somebody a loan and CMS denies it, now who's on the hook, right?

Bills: HB1623

Keywords: HB 1623, North Dakota, rural health, rural health transformation program, medical facility infrastructure loan fund, medical facility infrastructure loan program, rural health loan program, Bank of North Dakota, Department of Health and Human Services, HHS, federal grant, health care infrastructure, rural hospitals, critical access hospitals, nonprofit health care providers, gap financing, loan fund, public health funding, healthcare financing, Medicaid

Summary: The committee first heard House Bill 1624, the “Universal Lunch Bill,” from Rep. Mike Nathie. He argued the proposal should be placed in Century Code rather than the Constitution so future legislatures can adjust it if state finances tighten, and said the bill would start the program a year earlier with a $65 million appropriation for one school year. DPI testified that the estimate did not include nonpublic schools that do not participate, and members questioned the impact on Title I, free-and-reduced applications, private-school accountability, breakfast mandates for schools that do not currently serve breakfast, and whether the funding could come from the DPI budget or other sources. Supporters, including North Dakota United, the North Dakota Catholic Conference, a pediatrician, and the American Heart Association, said universal meals improve student health and learning, reduce family costs, and are better handled in statute than by constitutional amendment. No opposition testimony was offered, and the chair closed the hearing for later work-session action. The committee then took up House Bill 1627, introduced by Rep. Tye Dressler, which would raise the income threshold for the state-funded school lunch program from 225% to 300% of poverty, with an estimated cost of about $7 million for 2026-27. Dressler said the bill is intended as a targeted, budget-friendly alternative to the ballot measure and emphasized that the state should maximize federal meal dollars while improving participation in the current program. Members questioned whether raising the threshold would actually increase utilization, whether a dollar amount would be clearer than a percentage, and how the change would affect federal reimbursements and application rates. DPI said it could quickly calculate additional percentage levels, and the chair closed the hearing, directing DPI to prepare more numbers for the work session. Finally, the committee opened Senate Bill 2403, presented by Sen. Schiable, to create a short-term bridge-loan program for financially distressed hospitals, centered on Jacobson Memorial Hospital in Elgin. The bill would authorize up to $5 million per loan, with a $10 million appropriation available on a first-come, first-served basis, and would run only through June 30, 2027. Schiable said the hospital’s debt and operating problems threaten local health care, ambulance service, and the community’s economy, and that the proposal was designed narrowly with Bank of North Dakota review to avoid creating a broad precedent. Committee members asked whether the appropriation could be reduced and whether the bank would still apply commercial feasibility and repayment standards; Schiable said yes, the bank would still evaluate the loan and could reject it if it was not sound.

Transcript Highlights:

• We can’t afford more loans. I can tell you that we cannot afford more loans.

Bills: HB1623

Keywords: HB 1623, North Dakota, rural health, rural health transformation program, medical facility infrastructure loan fund, medical facility infrastructure loan program, rural health loan program, Bank of North Dakota, Department of Health and Human Services, HHS, federal grant, health care infrastructure, rural hospitals, critical access hospitals, nonprofit health care providers, gap financing, loan fund, public health funding, healthcare financing, Medicaid

Summary: The committee heard House Bill 1623, the appropriations bill tied to North Dakota’s Rural Health Transformation Program, which is funded through a new federal rural health care grant. Senator Bekkedahl explained the bill’s background, the interim committee process that developed it, and the federal conditions attached to the award, including spending deadlines, administrative cost limits, and restrictions on uses such as new construction, supplanting existing funding, and certain other costs. Legislative staff then walked through the seven sections of the bill, including appropriation authority, transfer authority, contingent appropriations for pass-through grants, procurement and public improvement exemptions, recipient reporting, legislative reporting, and immediate effective date. Commissioner Traynor and HHS staff described how the department plans to implement the program, emphasizing that the funding is intended to improve rural access, workforce recruitment and retention, technology and data connectivity, and community health initiatives. They said the department will rely on local applications, technical assistance, templates, listening sessions, and partnerships with providers, schools, public health units, tribal entities, and other community groups. Members asked about reimbursement timing, upfront costs, administrative expenses, sustainability after the five-year grant period, and whether CTE centers, public health units, gyms, grocery stores, and other community partners could participate; the department said yes, within program rules and with a focus on measurable outcomes and sustainability. Several supporters testified in favor. Mental Health America of North Dakota and the Mental Health Advocacy Network supported the bill and urged investment in community-based mental health, crisis response, children’s services, peer support, and mobile crisis teams. HIA Health described the grant as a chance to expand home-based and hospice care, noting that rural providers already have workable models but need funding to scale them. A cybersecurity representative also supported the bill, warning that the large amount of health data and AI-related tools will require strong data protection and professional support. The hearing was closed with no opposition testimony, and the committee announced it would return later in the day for further work on the bill and other measures.

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> the conventional loan is a loan under the conventional loan is a loan under
• <00:07:56.599> or 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> lean<00:08:21.520

Bills: HF1865, HF2014, HF2028

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