Video & Transcript DataContr Research : 'underwriting standards'
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TX
Keywords:
women's privacy, gender designation, civil enforcement, facility access, sex-based regulations, women's privacy, gender, sex designations, civil penalties, legal rights, public facilities, law enforcement, employee records, confidentiality, misconduct, agency oversight, election law, attorney general, criminal prosecution, law enforcement
Summary:
During this meeting of the committee, significant attention was directed towards several bills, particularly surrounding property tax legislation and its implications for local governments. Senator Bettencourt highlighted the reduction of the voter approval tax rate from 3.5% to 2.5%, emphasizing its potential impact on local budgeting and the necessity for local elections to generate funding for essential services. The committee engaged in a heated debate regarding SB8, which concerns the designation of public facilities based on biological sex. Several members expressed concerns about the bill's implications on civil rights and potential conflicts with federal discrimination laws, leading to a division of opinions among committee members. Ultimately, multiple bills were moved to the floor for final passage, reflecting the urgency to address pressing matters swiftly.
TX
Transcript Highlights:
- been raised that surplus lines policies do not have the same protections extended to consumers as standard
- I'm here this morning representing a company named Velocity Risk Underwriters based in...
- Those are typically the kinds of large commercial risks that we underwrite, and they can't find their
- I mean, the Renewable Portfolio Standard was an amazing success because we set a megawatt goal and we
- We're not going to underwrite it for that reason." They don't go through and have any reason...
Keywords:
dispatchable generation, electricity, natural gas, ERCOT, energy credits, utilities regulation, renewable energy, arbitration, insurance contracts, surplus lines, Texas law, insurance policy, collective bargaining, public work contracts, labor unions, state funding, government contracts, insurance, declination, cancellation
Summary:
The meeting of the Senate Committee on Business included significant deliberations on multiple bills, specifically SB765, SB929, and SB455. Notably, Senator King advanced SB765 amid discussions on its committee substitute, clarifying issues related to confidentiality protections for law enforcement. The committee unanimously adopted the substitute, indicating broad support. Moving on, SB929 was similarly discussed, with minor amendments clarified before being favorably reported without objections. This reflects a positive atmosphere aimed at smoothing the legislative process for these initiatives.
Senator Melton presented SB455, which addresses Texas law and arbitration for surplus lines of insurance that faced a veto in the previous session. This bill aims to establish arbitration processes that are more favorable to Texas policyholders by mandating that disputes be governed by Texas law and conducted within Texas. Stakeholders voiced strong support for this bill, emphasizing the importance of upholding Texas jurisdiction over such disputes.
TX
Transcript Highlights:
- Those are things that we would send back to underwriting to let them know that.
- Instead of our underwriting guidelines, right?
- That standard admitted market could not insure.
- The standard is manifest disregard of the law.
- standards.
Keywords:
advanced practice registered nurse, health maintenance organization, preferred provider, insurance, healthcare access, healthcare, insurance, provider ranking, cost-sharing, fiduciary duty, patient choice, insurance, annuities, health coverage, trade practices, rebates, inducements, health promotion, wellness programs, insurance
Summary:
The committee meeting revolved around key discussions on several proposed bills, particularly focusing on HB3211, which aims to improve patient access to optometrists. Multiple stakeholders participated, expressing their views and concerns regarding the impact of the bill on vision care networks. The discussions highlighted the need for a clearer application process for optometrists to be included in vision plan networks, reflecting a powerful sentiment from both healthcare professionals and patients about access to care. The meeting also encapsulated varying perspectives on the legal aspects surrounding HB2275, addressing arbitration provisions for surplus policies, illustrating the committee's diligence in scrutinizing regulatory frameworks for consumers.
TX
Texas 2025 - 89th Regular
Agriculture & Livestock Mar 18th, 2025 at 02:00 pm
House Agriculture & Livestock Committee
Transcript Highlights:
- Standardized lab testing requirements, including mandatory
Keywords:
hemp, agriculture, research permit, cannabis regulation, criminal offense, administrative penalty, hemp regulation, Texas agriculture, hemp research permit, administrative penalties, cannabis standards, hemp regulation, agriculture, research permit, criminal offense, administrative penalty, hemp, agriculture, research, regulation
Summary:
The Committee on Agriculture and Livestock convened to address several pressing bills concerning agriculture, food systems, and hemp regulation in Texas. Notable discussions revolved around HB1113, which focuses on the production and regulation of hemp, ensuring alignment with federal regulations. Testimonies from various stakeholders, including representatives from the Texas Hemp Coalition, indicated broad support for the bill, citing its potential to enhance agricultural practices and promote research. Additionally, members expressed concerns regarding the implications of food insecurity, advocating for HB1203, aimed at establishing an Office of Food Systems Security and Resiliency to address access to nutritious foods across Texas.
TX
Texas 2025 - 89th Regular
S/C on Family & Fiduciary Relationships Apr 7th, 2025 at 02:00 pm
House S/C on Family & Fiduciary Relationships
Transcript Highlights:
- That's clear and convincing, or some standard.
- Than that standard.
Bills:
HB168, HB1044, HB1534, HB1914, HB2240, HB2530, HB3284, HB3395, HB3515, HB3783, HB4034, HB4213
Keywords:
marriage age, minors, family law, void marriage, rights of minors, Texas marriage law, marriage ceremony, authorized officiants, family code, judges, religious leaders, parent-child relationship, family law, Department of Family and Protective Services, legal rights, notice requirements, public health, safety regulations, community health, state standards
Summary:
The committee meeting covered various legislative issues and allowed members to discuss key topics affecting their constituents. Noteworthy discussions included the implications of recent legislative changes, and several members vocalized their positions on proposed bills. The atmosphere was collaborative, with members sharing insights and engaging in debates about the best course of action for the upcoming legislative session. Various stakeholders, including experts and citizens, were invited to testify, contributing to the richness of the dialogue. Overall, the meeting represented a comprehensive effort to address pressing matters within the legislative framework, reflecting a commitment to transparency and public involvement.
TX
Texas 2025 - 89th Regular
S/C on County & Regional Government Apr 28th, 2025 at 11:04 am
House S/C on County & Regional Government
Transcript Highlights:
Under current law, the Texas Commission on Jail Standards
- The Commission should meet similar standards regarding investigation.
- Standards here to serve as a resource witness.
- This means that the Texas Commission on Jail Standards...
- Director, Texas Commission on Jail Standards, testifying neutral on the bill. Is that correct?
Bills:
HB2814, HB4477, HB5084, HB5108, HB5127, HB5383, HB5611, HB5663, HB5664, SB1563, HB2668, HB3841, HB4114
Keywords:
juvenile justice, release documents, children, identification, Texas Juvenile Justice Department, civil service, staffing requirements, local government, positions exemption, Texas legislation, fireworks, Lunar New Year, retail permits, local government, public safety, Texas law, holiday sales, county purchasing, government authority, local government
Summary:
The meeting focused on significant legislative proposals primarily centered around public health and criminal justice reforms. Notably, discussions centered on HB3841 and HB5108, which aim to enhance transparency and accountability in death investigations within county jails. Representatives shared compelling testimonies involving the necessity for improved oversight following recent incidents of in-custody deaths, highlighting the emotional impact on affected families. Witnesses from advocacy groups passionately urged the committee to approve the bills to foster trust in the system and uphold public safety standards. Additionally, various members addressed HB5611, which would empower emergency services districts to provide preventative healthcare services, contributing to the prevention of unnecessary 911 calls.
TX
Keywords:
public school funding, education, budget allocation, financial transparency, state law, local control, fiduciary responsibility, public retirement systems, investment management, proxy voting, financial factors, public retirement systems, fiduciary responsibility, investment management, proxy voting, financial factors, insurance, political shareholder proposals, fossil fuels, greenhouse gas emissions
Summary:
The Committee on State Affairs convened to address significant issues surrounding the state's public pension investments and the involvement of major financial services firms. Notably, Senator Bettencourt proposed a motion to issue subpoenas to compel testimony from BlackRock and State Street Corporation regarding their investment practices that impact Texas's public pension funds. This motion sparked discussions about accountability and transparency in investment practices, leading to a unanimous vote in favor of the motion. The committee emphasized the importance of testimony from these companies, recognizing that the subpoena power is a rare but necessary tool in legislative oversight.
TX
Texas 2025 - 89th Regular
S/C on Family & Fiduciary Relationships Apr 7th, 2025 at 08:00 am
House S/C on Family & Fiduciary Relationships
Transcript Highlights:
- A family law case to circumvent the legal standards for termination
- marker="1798" data-time="10782">This tool, parental reunification therapy, has no requirements, no standards
- Under the constitutional framework and guardrails, one alternate would be to raise the standard of findings
- What standard would you use to make that determination? Clear and convincing.
- Absent a pretty high standard for the courts or for anybody
Bills:
HB168, HB1044, HB1534, HB1914, HB2240, HB2530, HB3284, HB3395, HB3515, HB3783, HB4034, HB4213
Keywords:
marriage age, minors, family law, void marriage, rights of minors, Texas marriage law, marriage ceremony, authorized officiants, family code, judges, religious leaders, parent-child relationship, family law, Department of Family and Protective Services, legal rights, notice requirements, public health, safety regulations, community health, state standards
Summary:
The committee meeting centered around discussions on HB3284, which focuses on promoting family stability and the commissioning of a task force to evaluate existing regulations affecting marriage and family formation. Chairman Dutton initiated the conversation by emphasizing the need for governmental support in fostering a robust societal framework based on stable family units. Testimonies from various stakeholders highlighted the declining marriage rates in Texas, prompting discussions on effective strategies to reverse this trend. Public testimony was heard from representatives of Texas Values Action and the Texas Family Law Foundation, both advocating for stronger legislative measures to foster lifelong marriages and family stability.
TX
Keywords:
disaster relief, emergency preparedness, flood management, local government grants, meteorological forecasting, state appropriations, school assessment, public education, accountability, transparency, education standards, abortion, civil liability, abortion-inducing drugs, qui tam actions, Texas Citizens Participation Act, Religious Freedom Restoration Act, healthcare regulations, judicial branch, court security
Summary:
The meeting of the Senate involved significant discussions revolving around various bills, including HB17, HB23, SB19, SB53, SB54, HB16, HB1, HB3, and HB27. Notably, Senator Hughes initiated motions to suspend the rules, allowing the Senate Committee on State Affairs to take up Senate Bill 19, alongside other bills. The atmosphere was collaborative as members worked together to move the legislative process forward, reflecting a commitment to addressing pressing community needs. The invocation led by Senator King highlighted the challenges faced by legislators away from home, emphasizing the importance of peace and focus during their deliberations. The meeting concluded with motions adopted unanimously, showcasing unity among members.
TX
Texas 2025 - 89th 2nd C.S.
Senate Session (Part I)Receipt of House messages; reading and referral of bills. Aug 26th, 2025
Texas Senate Floor Meeting
Keywords:
disaster relief, emergency preparedness, flood management, local government grants, meteorological forecasting, state appropriations, school assessment, public education, accountability, transparency, education standards, abortion, civil liability, abortion-inducing drugs, qui tam actions, Texas Citizens Participation Act, Religious Freedom Restoration Act, healthcare regulations, judicial branch, court security
Summary:
The meeting primarily focused on the discussion of several key bills, including HB17 which addresses the notification requirements regarding property tax by taxing units to local governments, and HB23 which seeks an exemption from ad valorem taxation for property owned by non-profit corporations. Senate Bill 19 was also a highlight, prohibiting political contributions during special legislative sessions. Significant attention was given to SB53, which relates to election procedures regarding voter registration issues, emphasizing the need for clarity in the election process. Discussions were lively, with members raising differing viewpoints and implications of the proposed changes.
US
Us Congress 2025-2026 Regular Session
Hearings to examine insurance markets and the role of mitigation policies. May 1st, 2025 at 09:00 am
Senate Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
Actuarial and underwriting principles, not artificial
- , including wildfire-prepared standards and fortified building standards.
- Homes built to 2008 standards have a much higher survival rate.
- It's been a negative return on net worth and a significant negative underwriting loss.
- Wildfire preparedness standards, fortified building standards
Keywords:
homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions
Summary:
The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.
TX
Transcript Highlights:
- Higher Education Coordinating Board, in consultation with the Texas institutions, to adopt minimum standards
- Then fine, if you're going to have your standard that's going
- need for a statutory framework to protect students from discrimination while preserving academic standards
- We need legislation that protects students of faith, but one that also upholds constitutional standards
- In April 2017, we knew architectural plans couldn't meet the budget and the standards.
Bills:
SB2972, SB1909, SB2815, SB735, SB2233, SB800, SB1069, SB2683, SB2986, SB2058, SB2310, SB2055, SB1032
Keywords:
expressive activities, freedom of speech, public forum, higher education, protests, student rights, antisemitism, higher education, public institutions, disciplinary policy, student organizations, antisemitism, higher education, public institutions, disciplinary policy, compliance, antisemitism, higher education, public institutions, institutional policy
Summary:
During this meeting of the Senate Education Committee, multiple bills were discussed, focusing on educational policies and procedures. Notably, Senate Bill 1241 was introduced by Senator Middleton, which proposed a committee substitute for establishing standardized college entrance exams accepted by Texas public universities. The committee engaged in significant dialogue about the necessity of addressing concerns surrounding exam equivalency standards, and the need for a data-driven approach to admissions decisions. Various committee members voiced their support for the enhancements proposed in the substitute, leading to its unanimous adoption and favorable recommendation to the full Senate.
TX
Texas 2025 - 89th Regular
Business and Commerce (Part II) May 1st, 2025
Senate Business & Commerce Committee
Bills:
HB12, HB149, SB229, SB1361, SB1749, SB1897, SB2113, SB2566, SB2677, SB1652, SB2327, SB2344, SB2696
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, consumer protection, finance, retail seller, motor vehicle purchase, motor vehicle sales, consumer protection, pricing restrictions, retail seller, third-party financing, education, funding, student assessment, accountability
Summary:
The committee meeting focused heavily on the discussion surrounding HB149, an act aimed at establishing a comprehensive framework for the regulation of artificial intelligence (AI) in Texas. The bill seeks to ensure that AI technologies are developed and deployed in a manner that is both innovative and responsible, addressing potential harms while protecting individual rights and privacy. Chairman Schwartner led the conversations, emphasizing the importance of balancing regulatory measures with the need for technological advancement. Several stakeholders, including legal experts and industry representatives, provided testimony in support of the bill, praising its potential to position Texas as a leader in AI governance. Public testimony reflected a mixture of support and caution, with some witnesses advocating for greater accountability and regulatory oversight to mitigate risks associated with AI systems.
TX
Texas 2025 - 89th 2nd C.S.
Senate Session (Part III)Note: due to technical difficulties with the microphone system, there is no audio from 2h:15m:17s to 2h:16m:26s. Aug 26th, 2025
Texas Senate Floor Meeting
Transcript Highlights:
So normally, the standard practice we believe is letting
Keywords:
disaster relief, emergency preparedness, flood management, local government grants, meteorological forecasting, state appropriations, school assessment, public education, accountability, transparency, education standards, abortion, civil liability, abortion-inducing drugs, qui tam actions, Texas Citizens Participation Act, Religious Freedom Restoration Act, healthcare regulations, judicial branch, court security
Summary:
The committee meeting led by Senator Perry addressed various legislative measures including discussions around House Bill 23, which clarifies tax exemption for charitable organizations serving agricultural youth in populous counties. The bill was successfully passed with unanimous support after being brought up for expedited consideration. Notably, the discussion around Senate Bill 10 became contentious as Senator Bettencourt moved to not concur with House amendments citing potential tax increases, initiating a discussion about the implications and future direction of the bill. Furthermore, the importance of tax rate transparency was highlighted in the presentation of House Bill 17, aimed at improving communication regarding property tax rates to taxpayers, ensuring broader public engagement in tax matters and hearings as feedback and participation in the past had been low.
US
Us Congress 2025-2026 Regular Session
Hearings to examine risk management, credit, and rural business views on the agricultural economy, focusing on views from the field. Mar 11th, 2025 at 01:30 pm
Senate Agriculture, Nutrition, and Forestry Committee
Transcript Highlights:
- standards and Tier 1 interest rates along with personal and business education programs.
- And within that program, we have different underwriting standards
- , somebody that's starting out and getting into the ag industry is not expected to meet the same standards
- standards.
- And so we have different loan underwriting standards specifically
Keywords:
farm bill, rural economy, crop insurance, access to credit, young farmers, USDA funding freeze, agricultural policy, risk management
Summary:
The meeting of the agricultural committee focused on significant concerns regarding the current state of America's rural economy, highlighting the need for a strong five-year farm bill to address the challenges faced by farmers, particularly young and beginning farmers. Key testimony was given by multiple stakeholders including agricultural leaders and young farmers, emphasizing issues related to crop insurance, access to credit, and the adverse impact of recent USDA funding freezes. Various members discussed the necessity of risk management tools that farmers rely on to secure financing, which is crucial for sustaining agricultural operations and supporting rural communities. The importance of timely legislative action was underscored, as many farmers reported struggles in the current economic climate, raising urgency for reforms within the Farm Bill framework.
TX
Texas 2025 - 89th Regular
Pensions, Investments & Financial Services Apr 23rd, 2025 at 10:04 am
House Pensions, Investments & Financial Services Committee
Transcript Highlights:
- span marker="328" data-time="1962"> Where all students are welcome, we teach the same curriculum standards
- Each loan is subject to both state and federal laws with strict underwriting requirements, including
- underwriting standards.
- We're creating a new ceiling where we can underwrite individuals underneath there.
- And your underwriting cost associated...
Bills:
HB886, HB1514, HB2434, HB2688, HB2802, HB3161, HB3221, HB4029, HB4339, HB4774, HB4802, HB4853, HB5627, SB1737, HB4591
Keywords:
retirement, supplemental payment, benefits, Employees Retirement System, eligible annuitants, legislation, annuity, retirement, service credit, Employees Retirement System of Texas, employee benefits, pension reform, public retirement systems, municipality pensions, firefighters, police officers, retirement age, DROP program, actuarial studies, pension benefits
Summary:
During the meeting, the committee discussed several important bills focused on state employee pensions, the education sector, and consumer credit resources. One of the main topics was HB886, which proposes a 13th check for state retirees to help alleviate financial challenges faced by those who have not seen any pension adjustments for over a decade. The bill received support from various stakeholders who emphasized its necessity given the rising costs of living and inflation. Additionally, HB3221 was examined, addressing unequal pension contributions between traditional school districts and charter schools, which has placed undue financial burdens on charter schools since 2019. The bill aims to unify the contribution rates to ensure fairness and retain essential funding for education.
TX
Texas 2025 - 89th Regular
Intergovernmental Affairs Apr 1st, 2025 at 08:00 am
House Intergovernmental Affairs Committee
Transcript Highlights:
- Is it the same as, you know, buying a standard home?
- But just what the standards are as far as 2x4 construction
Keywords:
municipality, local government, Type A, Type B, Type C, change authority, emergency medical services, civil service status, municipal government, public safety, local government code, school funding, education, state budget, local control, equity, tenant legal services, eviction, low-income tenants, disability rights
Summary:
HB2464, presented by Representative Heffner, seeks to reduce unnecessary local regulations on home-based businesses, supporting Texans' abilities to operate no-impact businesses from their residences. The discussions highlighted the balance between enabling entrepreneurship and ensuring community standards are upheld, along with concerns regarding potential impacts on existing zoning laws. The meeting concluded with a call for more clarification and a focus on ensuring the bill protects local interests while promoting small business growth.
TX
Texas 2025 - 89th Regular
Higher Education Apr 29th, 2025 at 08:04 am
House Higher Education Committee
Transcript Highlights:
- We meet the same high standards as other Texas law schools, and we explicitly allow partnerships and
- standard that would trickle down to higher education.
- Because I think that's just a basic blueprint on how we wanted to do this thing as a standard operating
- You're not running up to code standard.
- Chairman, members, House Bill 5294 aims to address the consequences of erosion of merit-based standards
Bills:
HB1784, HB2088, HB3062, HB3475, HB3741, HB4279, HB4763, HB5154, HB5294, HB5508, SB1401, HB232
Keywords:
students, homeless, foster care, higher education, liaison officer, housing assistance, transition support, law school, higher education, Rio Grande Valley, legal education, public university, accreditation, fentanyl prevention, drug poisoning awareness, higher education, mental health resources, substance abuse education, law school, higher education
Summary:
The committee meeting led by Chair Wilson focused on higher education legislation, notably addressing bills related to tuition fee exemptions, financial assistance for students, and combating fentanyl abuse on campuses. Significant discussions revolved around HB1527, which proposes fee exemptions for peace officers at public institutions, and HB3062, aimed at implementing educational initiatives to raise awareness of fentanyl dangers among students. Several representatives expressed support for these measures, citing the crucial need for educational programs to combat substance abuse and provide equitable access to education.
TX
Transcript Highlights:
- So, in addition to this, this would be an option, so in addition to the standard application <
- However, it does not clearly distinguish between standard driver licenses and limited term licenses issued
- Senate companion, Senate Bill 511, by the good and honorable Senator Betancourt, establishes a clear standard
- What standard is he going to use? And what is the remedy going to be?
Keywords:
voter ID, citizenship proof, provisional ballot, election security, Texas, voting rights, deep fakes, misleading videos, election integrity, criminal offense, digital misinformation, deep fakes, misleading videos, election integrity, criminal offense, digital misinformation, Texas, misleading videos, deep fake, election integrity
Summary:
The committee meeting focused on several key legislative bills relating to election integrity and voter registration. Notable discussions were held around HB817, HB1478, and HB1661, which addressed issues such as the termination of majority votes, compliance with voter registration laws, and penalties related to election supplies. Throughout the meeting, various representatives vocalized their opinions, alongside public testimonies that provided diverse perspectives on the bills being considered. The chair led the proceedings efficiently, allowing for a balance of viewpoints while ensuring that legislative business was conducted promptly. Overall, the atmosphere was characterized by active engagement from members of the committee, with many bills being reported favorably to the full House for consideration.
TX
Texas 2025 - 89th Regular
Intergovernmental Affairs Mar 18th, 2025 at 10:30 am
House Intergovernmental Affairs Committee
Transcript Highlights:
- So I don't know if that answers the question, but that's part of our underwriting process in terms of
- To underwrite, explain what that concern is.
- ...You know, so what is the standard?
And if you're underwriting to a standard of your market
- The state housing agency's own staff does underwriting reports.
Keywords:
housing finance, multifamily residential, low income, tax exemption, audit requirements, affordable housing, local government, development bonds, housing assistance, financial assistance, low income housing, community support, affordability, veterans housing, housing assistance, financial assistance, low income housing, community involvement, air conditioning, tenant support
Summary:
The meeting highlighted significant issues regarding housing funding mechanisms, particularly surrounding the complexities of Housing Finance Corporations (HFCs). Members voiced their concerns about the financial impacts these HFCs have on local government revenues, given that many property tax exemptions are given while maintaining market-rate rents. This discussion was sparked by alarming statistics indicating a rapid increase in tax dollars removed from local jurisdictions due to HFC activities, stressing the need for regulatory reforms to preserve affordable housing without financially jeopardizing municipalities.