Video & Transcript Research : 'mortgage broker'
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OK
Oklahoma 2026 Regular Session
Business REVISED: SB1873 - Link added Mar 31st, 2026 at 10:30 am
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
OK
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
Summary:
The committee heard several Senate bills, most of them described as cleanup or compact-related measures. Senate Bill 1061 was presented as a cleanup bill adding defining language, supported by the Department of Consumer Credit and correcting a typo, and it passed 11-0. Senate Bill 1534, a charity enforcement act worked on with the Attorney General’s office, was described as strengthening protections for donor intent, preventing misuse of charitable funds, and closing enforcement loopholes; after a brief question about examples of bad actors, it also passed 11-0. Senate Bill 1873 was another cleanup bill requested by roofers and passed 11-0.
The committee also considered interstate licensure compacts. Senate Bill 540 would create Oklahoma’s participation in a dentist and dental hygienist compact; one question focused on why the Oklahoma Dental Association opposed it while the American Dental Association supported it, and the bill passed 9-2. Senate Bill 1653 would join a compact for occupational therapists and occupational therapy assistants, with the sponsor noting 31 states already participate; it passed 11-0.
Finally, Senate Bill 1948 would allow year-round fireworks sales in Oklahoma. Members questioned how the bill would interact with city and county authority, whether it would affect dense neighborhoods, and concerns about veterans with PTSD. The sponsor said the bill would not override city ordinances and argued counties should not restrict private property owners, while also saying current law already allows fireworks use year-round but limits in-state purchasing windows, sending consumers to other states. The bill passed 10-1. The chair then announced this was the last bill for the day and that about 12 bills remained for the following week.
HI
Transcript Highlights:
- Mortgage Bankers Association of Hawaii in support.
- /c><00:22:30.440><c> this</c> >> The mortgage interest deduction, this >> The mortgage interest
- </c> bill contemplates removing the mortgage bill contemplates removing the mortgage interest<00:22:32.360
- </c> of worth to eliminate the mortgage of worth to eliminate the mortgage interest<00:22:48.520><c>
- So, the second mortgage, second home mortgage, um, non-deductible, but your main home is, it's like paid
Keywords:
owner-builder, exemption, housing crisis, contractor, leasing restrictions, affordable housing, construction, regulations, teacher housing, housing vouchers, teacher retention, Hawaii Department of Education, hard-to-staff schools, housing, first-time home buyers, savings account, tax deductions, homeownership, savings accounts, tax deduction
Summary:
The House Housing Committee heard testimony on several housing-related bills. HB 1743 would expand the owner-builder exemption by repealing a leasing restriction and requiring notice when a leased residential structure was built by an unlicensed contractor. Subcontractors Association of Hawaii and the Contractors Licensing Board opposed the bill, warning it could encourage unlicensed contracting and weaken consumer protections, while Hawaii Realtors, Housing Hawaii’s Future, Grassroot Institute of Hawaii, BIA Hawaii, and others supported it as a way to increase housing flexibility. After questions about whether licensed electrical and plumbing work would still be required, the committee voted to pass HB 1743 with amendments and a defective date.
The committee also heard and advanced HB 2122 HD1 on teacher housing, which would create a teacher housing assistance program using vouchers from the teachers housing revolving fund. Testimony included support from the Chamber of Commerce of Hawaii, Housing Hawaii’s Future, the Democratic Party of Hawaii Education Caucus, and individuals, with the Office of Collective Bargaining in opposition and the Department of Education offering comments. The bill was voted out as is. The committee then considered HB 1756 and HB 1837, both updating the individual housing account program to reflect current housing prices; supporters including Housing Hawaii’s Future and the Office of Hawaiian Affairs said the limits were outdated and needed inflation adjustments, and HB 1756 was passed with amendments while HB 1837 was deferred as nearly identical.
HB 1729 would disallow the state home mortgage interest deduction for second homes. Hawaii Realtors opposed it, while Housing Hawaii’s Future supported it as a way to prioritize first-time homebuyers and reduce competition from second-home buyers. The chair noted a possible revenue savings estimate and the committee passed the bill with amendments, with several reservations. Finally, HB 2559 would prohibit real estate brokers from marketing residential property to limited exclusive groups of buyers, which the Office of Consumer Protection said needed an enforcement clarification and the Realtors said could affect some legitimate private-listing situations. The chair proposed replacing the outright ban with a disclosure requirement for private listings, and the committee passed HB 2559 with amendments. The hearing then adjourned after the chair thanked members, staff, and the public.
AL
Alabama 2025 Regular Session
Alabama House Commerce and Small Business Committee Mar 6th, 2025
Commerce and Small Business
Transcript Highlights:
- It clarifies that they still answer... that it clarifies that they still answer to the qualifying broker
- If the agency has multiple offices, the realtor can only meet at the office where the broker is.
- They can go to the... where the broker is. They can go to the coffee shop to meet.
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 19th, 2026 at 09:30 am
Business and Insurance
Transcript Highlights:
- want to point out the committee's substitute is language that we've worked on, is supported by the mortgage
- This is really a cleanup bill that surrounds licensing fees and renewal fees for mortgage brokers.
- And if you have a mortgage, you have to pay that rising cost of insurance, and you have no choice.
- Do we do We begin to cap mortgage brokers as cost and interest rates continue to go up.
Bills:
SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364
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
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 19th, 2026
Business and Insurance
Transcript Highlights:
- want to point out the committee substitute is language that we've worked on as supported by the mortgage
- This is really a clean-up bill that surrounds licensing fees and renewal fees for mortgage brokers.
- And if you have a mortgage, you have to pay that rising cost of insurance and you have no choice.
- Do we begin to cap mortgage brokers as costs and interest rates ...four or five years?
- Do we begin to cap mortgage brokers as costs and interest rates continue to go up?
Bills:
SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364
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
Summary:
The Senate Business and Insurance Committee met and first laid over Senate Bills 1969 and 1624 without hearing them. It then considered SB 1953, a health insurance transparency bill requiring third-party administrators to provide employers information on what was spent on employee health benefits; an amendment deleting the word “welfare” was adopted, and the bill passed 7-1. SB 1277, which codifies a three-week work-search requirement for unemployment benefits, passed 8-0. SB 1287, amended to change “may” to “shall,” would bar the Oklahoma Abstractors Board from licensing applicants not legally authorized to work in the U.S.; after questions about the need for the bill and the alleged loophole, it passed 7-2.
The committee also passed SB 1061, a cleanup measure on mortgage broker licensing and renewal fees, and SB 1916, which would move the Oklahoma Receivership Office under the Insurance Department and streamline receivership operations. SB 1589, as amended to reference Indian Gaming Regulatory Act authorization, would increase penalties for illegal sweepstakes/gambling operations and expand enforcement against entities profiting from illegal gambling; it passed unanimously. SB 2178, a compromise special-event license bill requiring liability insurance coverage, also passed unanimously.
Two major insurance reform bills were debated at length and failed. SB 1444 would shift homeowners insurance rate regulation from a use-and-file system to prior filing with authority for the Insurance Commissioner to declare rates excessive; after testimony from a homeowner about a large premium increase and extensive debate over regulation and market effects, it failed 4-5. SB 1438 would require reporting of underwriting gains and profits, cap average profits at 5% over three years, and require rebates or premium credits if profits exceeded that level; supporters argued it would protect consumers, while opponents warned of market disruption and reduced competition. It failed 2-7. The committee then passed SB 1501, clarifying medical marijuana grow reclamation bond requirements, SB 1873, correcting a drafting error in a prior bill and delaying its effective date, and SB 1364, requiring an affidavit of encumbrances before transferring a medical marijuana business license.
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2025-04-03
Commerce Finance and Policy
Transcript Highlights:
- One of those responses included passing legislation in 2009 allowing a homeowner to postpone a mortgage
- We also want to thank the Minnesota Mortgage Association for its assistance.
- I know I do have some experience and background in the mortgage area, and I will speak in support of
- Go talk to a broker, figure something out.
- After this bill is passed with this provision in it, that broker can say, of course, there's Medigap
Keywords:
foreclosure, mortgage postponement, homeowners, redemption period, Minnesota Statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 4/3/25
Commerce Finance and Policy
Transcript Highlights:
- We also want to thank the Minnesota Mortgage Association for its assistance.
- Go talk to a broker, figure something out.
- Go talk to a broker, figure something out.
- Go talk to a broker, figure something out.
- Go talk to a broker, figure something out.
Keywords:
foreclosure, mortgage postponement, homeowners, redemption period, Minnesota Statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/24/26
Commerce Finance and Policy
Transcript Highlights:
- banking</c><00:52:15.760><c> uh</c> mortgage lending and mortgage banking uh mortgage lending and mortgage
- </c><01:32:05.520><c> So</c> postpone mortgage sale clarified. So postpone mortgage sale clarified.
- and mortgage servicers.
- </c> release that mortgage. Thank you. release that mortgage. Thank you.
- <01:47:25.360><c> banking,</c><01:47:26.080><c> all</c> mortgage lending, mortgage banking, all mortgage
Keywords:
common interest community, CIC, homeowners association, HOA, condominium, planned community, cooperative, unit owner, association board, declarant, declarant control, special declarant rights, assessment lien, foreclosure, late fees, fines, attorney fees, resale disclosure, annual report, maintenance plan
OK
Oklahoma 2026 Regular Session
Commerce and Economic Development Oversight Apr 14th, 2026 at 03:00 pm
Commerce & Economic Development Oversight
Transcript Highlights:
- Adds a definition to the word originated, clarifying the brokered loans aren't included in the calculation
Keywords:
bail bondsman, bondsman license, multicounty agent bondsman, surety bondsman, Insurance Commissioner, bail bond regulation, bond deposit, forfeiture, deposit ratio, writing capacity, license transfer, power of attorney, surety bond, bail industry, Oklahoma insurance law, financial solvency, administrative action, dentist, dental hygienist, dentistry
AL
Alabama 2025 Regular Session
Alabama House Commerce and Small Business Committee Feb 12th, 2025
Commerce and Small Business
Bills:
HB230
Keywords:
real estate, brokerage, broker, salesperson, licensee, consumer disclosure, agency disclosure, RECAD, Real Estate Consumers Agency and Disclosure Act, Alabama Real Estate Commission, buyer agreement, listing agreement, transaction broker, single agent, dual agency, compensation disclosure, commission, referral agreement, referral fee, written agreement
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/12/25
Commerce Finance and Policy
Transcript Highlights:
- </c><00:04:10.079><c> uh</c> attained on their primary mortgages uh attained on their primary mortgages
- </c><00:04:44.759><c> in</c> popular product in the mortgage in popular product in the mortgage in mortgage
- and by mortgage lenders.
- and by mortgage lenders.
- and by mortgage lenders.
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
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 4/7/26
Commerce Finance and Policy
Transcript Highlights:
- it adds a section to the back end of the Minnesota Consumer Data Privacy Act to establish a data broker
- </c> want these millions of data brokers want these millions of data brokers [clears throat]<00:15:10.880
- Data brokers who do not have a direct relationship have to get the information from somewhere.
- Data brokers who do not have a direct relationship have to get the information from somewhere.
- Data brokers who do not have a direct relationship have to get the information from somewhere.
Keywords:
data broker, data brokerage, consumer privacy, personal data, data privacy, Minnesota attorney general, registration, public registry, civil penalties, enforcement, special revenue fund, privacy rights, data sales, data collection, consumer protection, chapter 325M, controller, processor, data broker registry, transparency
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 32 Mar 31st, 2026 at 09:30 am
Oklahoma House Floor Meeting
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 32 Mar 31st, 2026
Oklahoma House Floor Meeting
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
Summary:
The House convened, completed the roll call, prayer, and Pledge of Allegiance, and then moved through routine business including second-reading referrals and committee reassignments. Senate Bill 1627 and Senate Bill 625 were withdrawn from their prior committees and assigned to Rules. The chamber also recognized Dr. James David Campbell as Doctor of the Day and Courtney Copen as Nurse of the Day.
Members held several floor presentations honoring the Choctaw High School drama team for winning the 2025 OSSAA 6A-1 one-act play state championship and related speech and debate honors, and the Arapaho-Butler Lady Indians for winning the 2025 Class A fast-pitch softball state championship. A proclamation was read designating March 31, 2026, as Affordable Housing Day, highlighting Oklahoma’s housing shortage and the economic impact of the state’s affordable housing tax credit program.
The House adopted House Resolution 1041, which supports designation of a nuclear lifecycle innovation campus in Oklahoma, after Representative Archer explained the measure and requested unanimous consent. During announcements, members noted Transgender Day of Visibility, committee meeting changes, a rural caucus meeting, a public health meeting, and a Capitol devotion. The House then adjourned without objection until Wednesday, April 1, 2026, at 1:30 p.m.
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 31 Mar 30th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/25/26
Commerce Finance and Policy
Transcript Highlights:
- Each district pays its own brokers, manages its own contracts, and absorbs its own shocks from when an
- Each district pays its own brokers,<00:50:46.160><c> manages</c><00:50:46.680><c> its</c><00:50:46.880
- ><c> own</c><00:50:47.040><c> contracts,</c><00:50:47.960><c> and</c> brokers, manages its own contracts
- , and brokers, manages its own contracts, and absorbs<00:50:48.560><c> its</c><00:50:48.800><c> own</
- </c><00:52:07.960><c> fees,</c> potential enrollees, broker fees, potential enrollees, broker fees, insurance
Bills:
HF3794, HF4472, HF4410, HF4347, HF4412, HF4398, HF4397, HF4201, HF4199, HF4203, HF3706, HF4071, HF4120, HF4175, HF4188
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
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part I) Apr 1st, 2025
Business & Commerce
Transcript Highlights:
- The act seeks to better reflect current practices in the relationship between a real estate broker or
- The goal of this change is to ensure transparency and set expectations between the buyer and broker prior
- To clarify the flow of liability and compensation from a broker to their agent, it also adds further
Keywords:
electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Apr 1st, 2025
Business & Commerce
Keywords:
electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency
TX
Keywords:
electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency
Summary:
The Senate Committee on Business and Commerce heard Senate Bill 2021 by Senator Johnson, as substituted, on distributed energy resources (DERs). Johnson said the bill was intended to create a regulatory framework for DERs and virtual power plants, address interconnection and registration issues, and prevent regulatory capture as the industry grows. Testimony was split: Texas Electric Cooperatives asked for clarification so co-ops would not be unintentionally excluded from owning or operating DERs; AECT supported the bill as providing needed rules and customer protections; TABA, Texas Solar and Storage Association, Sierra Club, Texas Solar Energy Society, and several others opposed it or raised concerns that it was too utility-centric, imposed red tape, and could burden homeowners and small businesses with registration and interconnection requirements. Johnson repeatedly said the bill was not meant to stop rooftop solar or backup systems and that he was open to specific redlines and further changes. SB 2021 was left pending after testimony.
The committee then took up Senate Bill 2330 by Senator Parker, which would end government payroll deduction for dues to certain public employee organizations, while exempting first responders under Chapters 143 and 147 and making other conforming changes in a committee substitute. Parker argued the bill was about government neutrality, transparency, and employee freedom from coercion, and said organizations can collect dues directly using modern payment methods. Supporters from Texas Public Policy Foundation, Texas Business Coalition, Freedom Foundation, ABC Texas, and Texans for Fiscal Responsibility said taxpayer-funded payroll systems should not be used to collect dues for private organizations, especially ones involved in political activity. Opponents, including ATPE, Texas Classroom Teachers Association, Texas Public Employees Association, and correctional employees, said payroll deduction is a convenient, secure service that helps professional associations and employee groups, and argued the bill would burden teachers and other public employees.
Several witnesses and senators focused on the bill’s exemptions and whether it treated teachers differently from first responders. Senator Menendez questioned why some public employees were excluded while others were not, and a Houston police union representative said he moved from opposing to supporting the bill after being told the substitute would preserve meet-and-confer deductions under Chapters 143 and 147. Senator Parker closed by saying the bill was not meant to eliminate associations or payroll deduction entirely, only to remove the state as a middleman. SB 2330 was left pending, and the committee then recessed subject to call.