Transcript Highlights:

• All right. Okay, he's going to hand one to you.
• Oh, that's right. That's right. That's right. That's right. I'm sorry.
• All right. Mr.
• All right.
• All right.

Bills: SB511, SB512, HB591, HB909, HB938, HB1154, HB1187

Keywords: automobile repairs, insurance transparency, repair shop liability, non-OEM parts, policyholder rights, automobile insurance, appraisal process, insurance policyholders, dispute resolution, claim valuation, family leave, insurance, paid leave, employment benefits, caregiver support, behavioral health, crisis services, mental health care, insurance coverage, healthcare access

Transcript Highlights:

• All right. Okay, all right. All right.
• All right.
• All right. I visited that campus. That's right.
• Right.
• Right?

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• Yes, must consider... ...the qualifications, right? Yes, sir.
• Yes, sir, that's right. Okay, please proceed.
• Yes, sir, that's right. And I've got those numbers in a chart here.
• From the supplement date to the filed right of repair, it is 47 days.
• Right, okay. Thank you. Any other questions? Thank you, sir. Okay.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Right.
• Right.
• All right.
• Right, and it wasn't.
• I hope I pronounced that close to right. A-V-P, was that all right?

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Do I have the right to charge whatever rate I want? Mr. Smith.
• All right, very good.
• Chair, Representative Katuza-Witthuhn, I think that's exactly right.
• Able to work together and take the time to get things done right.
• Did we get the motion right?

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Transcript Highlights:

• All right, thank you, Mr. Smith.
• All right, very good.
• </c> opposed the motion prevails all right opposed the motion prevails all right very<00:15:22.360><c
• Wun, I think that's exactly right.
• Do we get the motion right?

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Transcript Highlights:

• All right. Thank you, sir. I'll reserve the right. The chair calls up Holly Jeffries.
• All right.
• That's right.
• Right, I get that.
• Yeah, right.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• Right.
• For over 25 years, our nonpartisan nonprofit has advocated for the rights of policyholders in our state
• So, so right. now right now with...
• All right. Anna Maroney on behalf of NABIP. Rolls right off the tongue, right?
• Right?

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• That’s right.
• Is that right? Yes.
• It's accredited by the NSA, right, in these cases, right?
• All right. All right. Okay, thank you. Senator Menendez.
• All right. All right. Okay, thank you. Senator Menendez.

Bills: HB146, HB150, HB1500, HB1545, HB1562, HB2067, HB2520, HB2818, HB3214, HB3250, HB3466, HB3512, HB3623, HB4063, HB4395, HB4464, HB4668, HB4690, HB5331, HB3833

Keywords: HB 146, Texas Capitol, State Capitol, State Preservation Board, Congress Avenue, Travis County, traffic lanes, lane closure, road closure, municipal authority, local control, Capitol area, downtown Austin, special events, construction traffic plan, pedestrian safety, public works, transportation policy, government code chapter 443, cybersecurity

Summary: The committee took up several pending business items and reported a series of House bills out of committee, including HB 2467, HB 2468, HB 2518, HB 4310, HB 4386, HB 4490, HB 5323, and HB 149. Most of these were advanced on committee substitute motions and sent to the local and uncontested calendar or reported favorably to the full Senate. HB 2467 drew one nay vote, while the others were approved without opposition. HB 4310 and HB 4386 were described as committee-substitute versions with changes narrowing disclosure requirements and preserving attorney-client privilege in certain circumstances. A major portion of the meeting focused on HB 149, an AI governance bill. The substitute was explained as addressing biometric identifier capture and storage, exempting certain AI uses for security and fraud prevention, clarifying definitions, restricting AI systems that simulate explicit child sexual content, adjusting Attorney General investigative authority, refining sandbox program waivers, reducing Texas AI Council powers and membership, and adding DIR coordination provisions. The committee adopted the substitute and reported the bill favorably. The committee then heard extensive testimony on HB 1500, the DIR sunset bill. The author said the bill would continue DIR for 12 years, restructure its board, update advisory committees, require regular cybersecurity assessments and penetration testing for state agencies, improve IT procurement training, and transfer the e-grants program to the Comptroller. A Texas 2036 witness supported the bill as a way to strengthen governance, procurement, and cybersecurity. Members asked detailed questions about the bill’s structure and then left HB 1500 pending. The committee also heard a lengthy presentation on HB 150, which would create the Texas Cyber Command as a component of the University of Texas System, administratively attached to UTSA and located in San Antonio. The author argued the command would centralize cyber threat intelligence, incident response, and digital forensics, and would be able to support state and local entities, with optional services for local governments. Members raised concerns about university mission drift, governance, security, chain of command, procurement authority, gifts and donations, and civil liberties implications of proactive cyber monitoring. Witnesses from UTSA/NSCC and SecurityScorecard testified in support, emphasizing the security of the downtown San Antonio facility, the existing cyber ecosystem there, and the need for a dedicated cyber capability. The bill remained under discussion with no final committee action announced in the excerpt.

Transcript Highlights:

• This is the bill that requires insurance companies to disclose certain information to policyholders when
• MOV 655, also by Representative Reeves, specifies that the policyholder may request a revised wildfire
• Moving right along to agenda item number five, Senate Bill 6178.
• Moving right along to agenda item number five, Senate Bill 6178.
• All right, we're moving on to item seven on our agenda: Substitute Senate Bill 6091.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• All right, thank you.
• Let's go right into public testimony.
• All right, so back to my list.
• And then they'll give you like 10 reasons why the bill could never pass, right?
• Is that right?

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Summary: The committee heard public testimony on several insurance and consumer protection bills. On engrossed substitute Senate Bill 5928, staff and supporters described wildfire risk score and model disclosure requirements for homeowners whose policies are nonrenewed, canceled, or adversely affected by wildfire risk, along with insurer website disclosures about mitigation discounts and a process for consumers to request revised scores. The Office of the Insurance Commissioner, AARP, a mayor from Medical Lake, and a fire chief supported the bill as a transparency and consumer protection measure, while industry witnesses said the bill was heavily amended but still too regulatory and potentially costly, and some urged further technical changes. Members asked about how the bill interacts with mitigation efforts, the Fair Plan, and whether it would help consumers understand what actions could improve insurability. The committee also heard engrossed substitute Senate Bill 6031, which would create a standalone Class B felony for insurance fraud, expand the insurance commissioner’s fraud program, require reporting of certain suspected crimes affecting insurance, and address restitution in criminal cases. The Office of the Insurance Commissioner and AARP supported the bill as a response to organized fraud, but a criminal defense representative argued that part of the bill overlaps with existing misdemeanor insurance-claim fraud law and could create conflicting penalties and charging issues. Members asked about the 10-year statute of limitations and how it compares with other crimes. Substitute Senate Bill 6079, a wildfire mitigation grant program, was also heard. The bill would create the Strengthen Washington Homes Program to fund retrofits meeting IBHS wildfire-prepared standards and would bar insurers from using wildfire risk to disqualify properties that meet that standard. The OIC, fire commissioners, the prime sponsor, and AARP supported it as a way to reduce nonrenewals and help homeowners harden their homes, while insurance industry witnesses said they could support the grant program but wanted Section 7 removed because they believed it would interfere with underwriting. The committee also heard substitute Senate Bill 6248 on travel insurance, which would adopt a Washington Travel Insurance Act with licensing, disclosure, tax, and unfair trade practice provisions; the travel insurance industry supported it and said prior amendments had been incorporated. Finally, the committee took testimony on engrossed Senate Bill 5280, which would regulate virtual currency kiosks with daily transaction limits, fee caps, disclosures, receipts, and reporting requirements. The Department of Financial Institutions and the Attorney General’s Office supported the bill as a response to rising crypto-kiosk fraud, especially elder fraud, while some members questioned whether the limits were too restrictive for legitimate users and asked about enforcement, restitution, blockchain analytics, and whether stronger consumer protections should be added. Additional testimony from industry and consumer advocates was invited, but the hearing moved quickly because of the committee’s limited time.

Transcript Highlights:

• All right. Let's invite our prime sponsor forward.
• Right, and I think they're here to help us, so that's fabulous.
• All right, do we have any other questions?
• I'll get you back into your home right away.
• All right, let's move on with our other remote testifiers.

Bills: SB5831, SB6178

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Summary: The Consumer Protection and Business Committee held public hearings on three Senate bills. SB 5831, the Uniform Mortgage Modification Act, was explained by staff as creating safe harbors so certain mortgage modifications would not affect lien priority or require re-recording; the prime sponsor said it would reduce uncertainty and legal costs. There was no public testimony or questions, and the hearing was closed. The committee then heard Substitute SB 6091, which would prohibit real estate brokers from marketing residential properties to an exclusive group of buyers or brokers unless the property is also concurrently marketed to the public. Staff noted changes from the House version, including removal of Washington Law Against Discrimination language and added clarification that public marketing does not require physical access to the property. The sponsor and supporters, including Zillow, Washington Realtors, Habitat for Humanity, and the Fair Housing Center, said the bill promotes transparency, fair housing, and equal access, while the Rental Housing Association raised a concern about the remaining reference to “lease” and asked for an amendment to avoid unintended application to some rental providers. Members asked several questions about how the bill would work for private marketing, rentals, and potential disparate impacts. Finally, the committee heard SB 6178, which would prohibit post-loss assignment of insurance benefits in property insurance contracts. Staff and the sponsor said the bill is intended to stop contractors from taking over homeowners’ insurance claims after disasters like wildfires, while preserving direct payment arrangements to contractors. The Office of the Insurance Commissioner supported the bill and described an increase in complaints, while also saying it was open to discussing the $50,000 penalty level; the National Insurance Crime Bureau and Washington State Association for Justice also supported the measure. Some members questioned whether the penalty should distinguish between good-faith and bad-faith conduct and whether a cooling-off period or existing consumer protection laws might address the issue. The committee closed the public hearing on SB 6178 and then on SB 6091, and ended the meeting with birthday recognition for two members.

Transcript Highlights:

• Is that right?
• To solve problems, right?
• An example right now: UT Austin, the campus—the Wi-Fi is out on the campus right now. 819 was the tweet
• It's accredited by the NSA, right, in these cases, right, you know.
• All right, more questions over here? If not, all right. Thank you all very much for coming.

Bills: HB146, HB150, HB1500, HB1545, HB1562, HB2067, HB2520, HB2818, HB3214, HB3250, HB3466, HB3512, HB3623, HB4063, HB4395, HB4464, HB4668, HB4690, HB5331, HB3833, HB146, HB150

Keywords: HB 146, Texas Capitol, State Capitol, State Preservation Board, Congress Avenue, Travis County, traffic lanes, lane closure, road closure, municipal authority, local control, Capitol area, downtown Austin, special events, construction traffic plan, pedestrian safety, public works, transportation policy, government code chapter 443, cybersecurity

Transcript Highlights:

• Congress to pass legislation to amend the Civil Rights Act of 1964 to prohibit discrimination on the
• Congress to pass legislation to amend the Civil Rights Act of 1964 to prohibit discrimination on the
• <00:05:10.480><c> 54%</c><00:05:11.400><c> of</c> Human Rights Campaign, uh 54% of Human Rights Campaign
• ><c> looking</c><00:08:47.160><c> not</c><00:08:47.360><c> only</c> &gt;&gt; Right.
• And then we're looking not only &gt;&gt; Right.

Bills: SCR11, SR9

Keywords: Civil Rights Act, discrimination, employment, housing, public accommodations, LGBTQ+ rights, gender identity, sexual orientation, Equality Act, civil rights, federally funded programs, 912, senate, all

Summary: The joint committees on Energy and Intergovernmental Affairs, Transportation, and later Judiciary heard two sets of resolutions. The first, SCR 132 and SR 124, urged the City and County of Honolulu to take steps to finalize the Makakilo Drive Extension Project. Testimony from a Makakilo resident emphasized the lack of a second access route and raised safety concerns about being trapped in the area in an emergency. Both committees voted to pass the resolutions unamended. The second set, SCR 11 and SR 9, requested that the U.S. Congress amend the Civil Rights Act of 1964 to prohibit discrimination based on sex, sexual orientation, and gender identity in employment, housing, public accommodations, education, federally funded programs, credit, and jury service. Supporters from the Hawaii State Commission on the Status of Women, IMUA Alliance, and Pride at Work in Hawaii argued that stronger anti-discrimination protections are needed to reduce vulnerability to violence, housing insecurity, and exploitation, and to provide federal protections that mirror state law. One senator asked whether state protections already exist and was told the resolutions seek federal-level protections because federal law can supersede state law. Both committees adopted recommendations to pass SCR 11 and SR 9 unamended, with votes in favor and some members excused.

Transcript Highlights:

• All right. Thank you.
• Right.
• Right.
• Right. Thank &gt;&gt; Questions for Mr. Molen. Right. Thank you.
• All right. &gt;&gt; and seconded by Senator Cole. All right.

Bills: HB0108, HB0039, HB0091, HB0070

Keywords: audit, transparency, government reporting, accountability, public access, firearm rights, restoration of rights, criminal justice, felony convictions, Wyoming law, artificial intelligence, social scoring, biometric data, privacy rights, government regulation, foreign censorship, digital innovation, constitutional rights, Wyoming GRANITE Act, extraterritorial laws

Transcript Highlights:

• right.
• All right.
• All right.
• All right.
• right? right?

Bills: HB0108, HB0039, HB0091, HB0070

Keywords: audit, transparency, government reporting, accountability, public access, firearm rights, restoration of rights, criminal justice, felony convictions, Wyoming law, artificial intelligence, social scoring, biometric data, privacy rights, government regulation, foreign censorship, digital innovation, constitutional rights, Wyoming GRANITE Act, extraterritorial laws

Transcript Highlights:

• right to try.
• ><c> right?
• Right? I think of that of their disease. Right?
• Number one, right? I think patients. Number one, right?
• All right. We'll go ahead and &gt;&gt; Okay. All right.

Bills: HB0003, HB0117, HB0041

Keywords: pregnancy centers, abortion, pro-life, healthcare, women's rights, state regulation, civil rights, freedom of speech, informed consent, civil liability, coercion, healthcare rights, law enforcement, death benefits, retirement, survivor support, public safety, 916, all

Transcript Highlights:

• We'll get to it later. >> All right. Thank you for that, Senator. All right.
• </c> &gt;&gt; All right. Thank you for that, Senator. &gt;&gt; All right.
• </c><00:41:15.040><c> to</c> right act, we did have the right to right act, we did have the right to
• c><01:34:25.600><c> of</c> protecting that right of of um right of protecting that right of of um right
• All right.

Bills: HB0003, HB0117, HB0041

Keywords: pregnancy centers, abortion, pro-life, healthcare, women's rights, state regulation, civil rights, freedom of speech, informed consent, civil liability, coercion, healthcare rights, law enforcement, death benefits, retirement, survivor support, public safety, 916, all

Transcript Highlights:

• to assemble and protection of our right to assemble and our<00:31:23.039><c> right</c><00:31:23.159>
• </c> allow um our department of human rights allow um our department of human rights to<00:38:27.160>
• of freedom of speech or of the press, the right to assemble or petition, or the right of association
• </c> hate Nazis I think they have the right hate Nazis I think they have the right to<00:54:26.960><c
• </c><00:56:13.319><c> to</c> speech or of the press the right to speech or of the press the right to

Bills: HF414, HF768, HF359

Keywords: data practices, filing fee, government transparency, complaints, public access, free speech, human rights, censorship, protected speech, Minnesota Department of Human Rights, real property, partition, eminent domain, transfer on death deeds, property rights, 1183, house

Transcript Highlights:

• Yes, right. Okay. The measure is adopted.
• now there's no central register, right?
• </c> intent, but not the bill, right? intent, but not the bill, right?
• Well, that and I think to right?
• It becomes self-enforcing, right? Mhm. It becomes self-enforcing, right?

Bills: SB2386, SB2804, SB2852

Keywords: employment, wage transparency, job listings, salary disclosure, labor rights, monopoly, health care access, insurance rates, competition, stock acquisition, digital accessibility, web accessibility, website accessibility, app accessibility, ADA, disability rights, civil rights, public accommodations, Hawaii Civil Rights Commission, HCRC

Summary: The committees met in decision-making sessions on several bills and generally advanced them without opposition. Early actions included SB 2386, which clarifies job-posting pay disclosure requirements and lowers the small-employer exemption threshold, and SB 2804, both recommended to pass unamended. SB 2852, addressing accessibility of information and communications technology for people with disabilities in public accommodations, was also recommended to pass unamended. SB 2975 on marine life conservation districts was advanced unamended despite a noted defective effective date. The CPN committee then acted on SB 3019, a consumer protection bill, recommending passage with amendments to require refunds of certain fees upon cancellation and to defect the effective date to July 1, 2050. SB 3231 on agricultural districts, SB 2378 on housing, and SB 3062 on liquor were all recommended to pass with amendments and a defective effective date set to July 1, 2050. SB 3255, concerning cash payments and rounding guidance, was reconsidered after discussion with small business stakeholders and was also advanced with amendments. In the later regular CPN agenda, SB 2607 on landscape architect licensure drew support from the board and professional groups and was recommended to pass with board-requested amendments and a July 1, 2050 effective date. SB 2623 SD1 on pharmacy technician registration was recommended to pass with clarifying amendments from the Board of Pharmacy. SB 2396, which would create a registry for agents managing property for absentee owners and require on-island contact information for certain condo owners, received mixed testimony: supporters emphasized accountability and enforcement, while opponents from community associations raised implementation concerns and asked for further work. The committee ultimately recommended SB 2396 with amendments from the Hawaii Council of Community Associations and a July 1, 2050 effective date.