Video & Transcript Research : 'underwriting restrictions'
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NM
New Mexico 2026 Regular Session
Senate - Health and Public Affairs Jan 30th, 2026 at 03:13 pm
Senate Health & Public Affairs
Transcript Highlights:
- underwriting.
- Madam Chair, Senator, you cannot switch without underwriting.
- No, you would have to go through underwriting.
- They cannot leave this policy without getting additional underwriting.
- Under current law, you have to go through underwriting.
Keywords:
SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation, senior health coverage, elderly, retiree, Medicare beneficiaries, preexisting conditions, underwriting restrictions, premium discrimination, New Mexico insurance law, superintendent of insurance, health care coverage, policy portability, healthcare
US
US Federal 2025-2026 Regular Session
Hearings to examine managing risk for the long-term in the 7(a) loan program, focusing on hearing from lenders. Feb 26th, 2025 at 01:30 pm
Small Business and Entrepreneurship Committee
Transcript Highlights:
- The program is primarily managed through sound underwriting policies.
- I think prudent underwriting provides the foundation for long-term stability.
- So as a community banker, how do your underwriting processes differ?
- We've got to reevaluate the situation when it comes to the underwriting.
- What I do know is about underwriting standards.
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.
WY
Keywords:
homeland security, search and rescue, grants, emergency response, Wyoming, sex offender, child care facility, residency restrictions, public safety, criminal law, sex offenders, child care facilities, legislation, kratom, regulation, healthcare, age restrictions, manufacturing standards, 916, all
WY
Keywords:
homeland security, search and rescue, grants, emergency response, Wyoming, sex offender, child care facility, residency restrictions, public safety, criminal law, sex offenders, child care facilities, legislation, kratom, regulation, healthcare, age restrictions, manufacturing standards, 916, all
AZ
Keywords:
student discipline, classroom management, temporary removal, administrative action, education policy, foreign relations, university governance, research security, international agreements, Arizona Board of Regents, interscholastic activities, student eligibility, criminal offenses, school district, youth sports, academic participation, conduct, planned communities, homeowners association, HOA
Summary:
The Senate Education Committee heard a presentation from Superintendent of Public Instruction Tom Horne focused on school safety, academic improvement, career and technical education, ESA oversight, and teacher pay. Horne argued that students cannot learn without safe schools and urged more funding for school police officers, citing threats and violent incidents. He also highlighted Project Momentum, tutoring, attendance, classroom phone restrictions, the Student Industry Partnership, expanded ESA participation, and his call to use Proposition 123 land trust funds for direct teacher raises. In response to a question, he said the department is using AI tools, residency checks, and investigators to reduce ESA fraud and abuse.
The committee then considered SB 1074, which would require written certification from a principal or administrator before a student removed for discipline could return to class. Horne and the sponsor said the bill would support teachers and hold administrators accountable, while opponents from the Arizona Education Association argued it was redundant, could undermine administrator judgment and FERPA-protected information, and would not address the root causes of classroom disruption. The bill passed 4-3. The committee also heard SB 1327, as amended by a strike-everything amendment requiring Arizona public universities to adopt and report on research security policies to protect against foreign adversary threats and preserve federal funding eligibility. Support came from the sponsor, State Armor, and the Arizona Board of Regents, and the amended bill passed 5-2.
Members next approved SB 1475, which bars students convicted of, or admitting to, certain serious offenses from participating in school-sponsored interscholastic activities, with some discussion about rehabilitation, school discretion, and whether a readmittance process should exist. Supporters said the measure was needed for accountability and uniformity after a particularly egregious case; opponents warned it could remove an important rehabilitative outlet. The bill passed 4-3. The committee then advanced SB 1582 and SB 1583, both related to school safety interoperability funding and technical corrections; SB 1582 passed 4-2, and SB 1583, as amended, passed 4-2. Finally, SB 1598, which appropriates $500,000 for school and community gardens, passed unanimously 5-0 after testimony that gardens serve as hands-on learning spaces and supportive environments for students.
NM
New Mexico 2026 Regular Session
House - Health and Human Services Feb 16th, 2026 at 09:04 am
House Health & Human Services
Transcript Highlights:
- Medigap plan to another carrier or plan because they would otherwise have to go through medical underwriting
- for Medigap plans in New Mexico and also doesn't let the plans, the carriers, do that medical underwriting
- Because they'll go through medical underwriting, and a plan will accept them.
- They may be able to switch; however, they would have to go under the underwriting, and they're going
- Then you are not able to change plans without underwriting.
Keywords:
SB 101, Health Care Delivery and Access Act, repeal of repeal, sunset repeal, delayed repeal, health care, healthcare, access to care, medical services, provider regulation, state health law, New Mexico, SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation
MN
Minnesota 2025-2026 Regular Session
Tran Committee Meeting - 2026-04-08
Transportation Finance and Policy
Transcript Highlights:
- And then also from some weight restrictions projects as well.
- And, you know, those are the couple, the major parts and then also from from some weight restrictions
- Proposed restrictions, both at the state and local level, on use of recycled materials must be given
- Proposed restrictions, both at the state and local level, on use of recycled materials must be given
- Proposed restrictions, both at the state and local level, on use of recycled materials must be given
Bills:
HF4807
WY
Transcript Highlights:
- And it didn't seem that it had um uh less restrictions maybe for private organizations and in places
- Chairman, Senator Rod, to be clear, the restrictions, that's kind of another area of gaming that we're
- Chairman, Senator Rod, to be clear, the restrictions, that's kind of another area of gaming that we're
- There wasn't age-restricted marking.
- There wasn't age restricted there.
WY
Transcript Highlights:
- Uh the idea of this bill in my understanding is to not make anything more restrictive.
- Uh the idea of this bill in my understanding is to not make anything more restrictive.
- understanding is to not make anything understanding is to not make anything more<01:32:31.520>
restrictive - <01:32:32.560>
Uh <01:32:32.960>it's <01:32:33.280>sideboards more restrictive - Uh it's sideboards more restrictive.
WY
Transcript Highlights:
- And so you don't want to be too restrictive without understanding the context in which the fraudulent
Keywords:
felony, law enforcement, police officer, criminal penalties, public safety, sex offender, child care facility, residency restrictions, criminal law, sex offenders, child care facilities, legislation, false claims, civil penalties, state accountability, whistleblower protection, fraud prevention, 916, all
TX
Bills:
HB 12, HB 149, SB 229, SB 1361, SB 1749, SB 1897, SB 2113, SB 2566, SB 2677, SB 1652, SB 2327, SB 2344, SB 2696
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing
KY
Kentucky 2026 Regular Session
Concurrent House Standing Comm on Elec, Const Amnd & Intergovernmental Affairs & State Gov (2-18-26)
Keywords:
Concurrent meeting of the House Standing Committee on Elections, Constitutional Amendments, and Intergovernmental Affairs and the House Standing Committee on State Government.
Title of video has been shortened due to YouTube length restrictions.
Discussion of HCR 45: 00:04:14, 958, all
Summary:
The joint meeting of the House Elections, Constitutional Amendments and Intergovernmental Affairs Committee and the House State Government Committee was called to consider House Concurrent Resolution 45, sponsored by Representative Jason Petri. The resolution would support calling for a federal balanced budget amendment through the Article V process. Petri argued that Kentucky’s own constitutional balanced-budget requirement shows the value of fiscal restraint, and he said decades of federal deficit spending and rising debt make a constitutional amendment necessary. Governor Ron DeSantis and Lauren Ends of the National Campaign for a Balanced Budget Amendment also testified in support, emphasizing the growth of federal debt, the risk of a future debt crisis, and the view that Congress is unlikely to solve the problem on its own.
Members asked about the mechanics and risks of an Article V convention, including whether the convention’s “sole purpose” language would be enforceable and whether a convention could become a “runaway” process. DeSantis and Ends said states can impose guardrails on delegates, including criminal penalties and delegate-limitation laws, and noted that any proposed amendment would still require ratification by 38 states. They also said that if Congress chose to draft the amendment itself in response to state pressure, that would be acceptable. One witness said 18 states have passed faithful-delegate or delegate-limitation laws.
Representative Callaway asked what would happen if the debt issue is not addressed. Witnesses responded that continued borrowing could lead to economic dislocation, higher interest costs, and a debt crisis that would crowd out other federal spending. They said the current debt burden is already more than $100,000 per U.S. citizen and roughly $300,000 per taxpayer, and that a balanced budget amendment would be a first step toward stopping the growth of debt before any long-term paydown could occur. The transcript provided does not show a final vote or other committee action on the resolution.
AZ
Transcript Highlights:
- from the factory, the software that was on there, the firmware that was on there, didn't have any restrictions
- So I know the federal government has strong restrictions for that type of stuff.
- And so I know the federal government has strong restrictions for that type of stuff.
Keywords:
modification, electronic equipment, consumer rights, OEM restrictions, civil penalties, intellectual property, critical infrastructure, foreign adversaries, China, communications, security, Arizona Space Commission, strategic plan, aerospace, economic development, space industry, education, workforce training, assistive technology, disability services
Summary:
The House Committee on Science and Technology convened for its first meeting of the session, with members and staff introducing themselves and the chair reviewing committee rules and amendment deadlines. The committee then heard several bills focused on technology policy, infrastructure security, and a new study committee on assistive technology. Testimony was generally supportive of the bills’ goals, though several members raised concerns about implementation, costs, and the role of the Arizona Corporation Commission on the infrastructure bill.
HB 2121 would prevent manufacturers from disabling consumer electronic devices when owners make modifications, such as using third-party parts or firmware changes, and would allow owners or the Attorney General to sue for damages. After discussion about consumer ownership, security, and possible manufacturing impacts, the committee adopted the Fink amendment narrowing the bill to consumer products and gave HB 2121 a do pass recommendation by a 7-1 vote with one present. HB 2134 would restrict Chinese-produced equipment from critical infrastructure and limit contracts with Chinese companies; the sponsor and supporters framed it as a national security measure, while opponents focused on cost, implementation, and utility coordination. The committee heard testimony from the Arizona Corporation Commission, which said the bill would require new staff and resources, and from outside witnesses who said the bill was prospective and aligned with federal restrictions. HB 2134 passed 5-4.
HB 2451 would adjust Arizona Space Commission board terms, extend the strategic plan deadline, and add astronautic educational opportunities to the commission’s duties. Supporters described the commission as a bipartisan effort to grow Arizona’s space industry, and the bill passed 8-0. HB 2700 would create a Technology Study Committee focused on assistive technology and technology-first approaches for people with disabilities. The sponsor and a constituent advocate described how assistive technology can improve independence and service delivery, and members expressed support for the concept. After adopting the Connolly amendment, the committee approved HB 2700 as amended by an 8-0 vote. The committee then adjourned.
TX
Transcript Highlights:
- for retail public water suppliers must include procedures for enforcement of mandatory water-use restrictions
- public water systems, they might not feel comfortable with their authority to enforce their drought restrictions
- rules expressly into statute, so they stand with clear legal authority to go enforce those pumping restrictions
- any penalties that an IOU might assess to a customer for failure to comply with lawn-watering restrictions
Keywords:
water rights, Texas Water Trust, water bank, environmental conservation, water quality, instream flows, aquifer, water injection, Edwards Aquifer, environmental regulation, groundwater, Texas Commission on Environmental Quality, water conservation, drought, utility regulation, water use restrictions, Public Utility Commission, civil penalties, drought contingency, environmental protection
Summary:
The Committee on Natural Resources met with a quorum present and first took up several pending bills for reconsideration and committee substitute adoption. House Bill 2692, relating to codification and clarification of local laws concerning the San Antonio River Authority, was reported favorably to the full House and sent to the Committee on Local and Consent Calendars by an 11-0 vote. House Bills 1407, 1520, 1535, 2970, 4153, 291, 3663, and 3915 were also reconsidered or laid out as pending business, with committee substitutes adopted where needed and each bill reported favorably, generally by unanimous vote, to the full House and then to Calendars or Calendars/Calendars-related referral as applicable.
The committee then heard House Bill 4530, which would expand the Texas Water Trust framework to include groundwater rights, require Texas Water Development Board review and approval of groundwater dedications, and notify local groundwater districts when groundwater rights are placed in the trust. The bill’s author and witnesses from the Environmental Defense Fund, The Nature Conservancy, and Chispa Texas supported the measure as a conservation tool and a way to create a clear process for voluntary donations; a Texas Water Development Board witness testified neutrally. The bill was left pending.
House Bill 4931, relating to an aquifer storage and recovery project in Medina County, drew support from the author, the Medina County judge, and a regional water alliance witness, who described severe stress on the Edwards Aquifer, low levels at Medina Lake, and the need for a local water-supply tool. The bill was left pending. House Bill 5559, which would clarify enforcement of drought contingency plans for investor-owned water utilities and involve the PUC in model plan development, received support from groundwater district representatives but also concerns from water company and utility witnesses about enforcement authority, approval procedures, and potential conflicts with existing obligations to provide continuous service; the committee substitute was withdrawn and the bill was left pending. House Bill 5560, which would raise the maximum civil penalty for certain groundwater conservation district enforcement actions from $10,000 to $25,000 per violation, prompted debate over whether current law is already sufficient; supporters said the higher cap would better deter overpumping, while opponents argued existing penalties are already severe. That bill was also left pending, and the committee adjourned subject to call of the chair.
TX
Transcript Highlights:
- for retail public water suppliers must include procedures for enforcement of mandatory water use restrictions
- public water systems, they might not feel comfortable with their authority to enforce their drought restrictions
- So they stand with clear legal authority to go enforce those pumping restrictions, when they need to.
- any penalties that an IOU might assess to a customer for failure to comply with lawn watering restrictions
Keywords:
water rights, Texas Water Trust, water bank, environmental conservation, water quality, instream flows, aquifer, water injection, Edwards Aquifer, environmental regulation, groundwater, Texas Commission on Environmental Quality, water conservation, drought, utility regulation, water use restrictions, Public Utility Commission, civil penalties, drought contingency, environmental protection
TX
Bills:
SB 30, SB 517, SB 1313, SB 1314, SB 1316, SB 1541, SB 1698, SB 1845, SB 1860, SB 2420, SB 2429
Keywords:
gambling, criminal offenses, penalties, defense, electronic devices, tobacco advertising, youth protection, public health, criminal offense, retailer regulation, e-cigarettes, nicotine products, health, public safety, regulation, advertising restrictions, health and safety, vaping regulation, manufacturer compliance, directory listing
AL
Keywords:
Morgan County, judge of probate, legal qualifications, equity jurisdiction, constitutional amendment, campaign finance, electronic notifications, civil penalties, Fair Campaign Practices Act, Secretary of State, sex offenders, treatment programs, electronic media, post office box restrictions, Class C felony, parole, probation, human cloning, criminal penalties, embryo
TX
Keywords:
construction, wildlife impact, height restrictions, national wildlife refuge, environmental regulations, HB 3887, Texas Parks and Wildlife Department, Parks and Wildlife Code, performance bond, payment bond, contractor bonding, public works, construction contracts, public building, procurement, bid security, subcontractors, suppliers, contractor payment protection, project completion
TX
Transcript Highlights:
- These restrictions create a burden for patients.
- However, further restrictions could be catastrophic.
- The restrictions that we're talking about, who implemented those restrictions?
- Those restrictions come from the pharmaceutical manufacturers themselves.
- ...35 drug manufacturers have restricted the use of contract pharmacies.
Bills:
HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432
Keywords:
prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury
TX
Transcript Highlights:
- that provides that they will provide notice of the insured's right to request that the insurer re-underwrite
- And so the other thing would be to allow an insured to request a re-rating or re-underwriting based on
- This age restriction shrinks an already small pool of candidates.
- In closing, the committee's substitute on HB1899 removes an arbitrary age restriction.
- The age restriction of 21 limits potential candidates.
Bills:
HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432
Keywords:
prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury