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A
Small
business
information
technology
there's
our
second
meeting
welcome
everybody
to
the
committee
meeting
on
for
the
2020
session
house
staying
committee
on
technology
special
welcome
team.
Do
we
have
any
guests
anybody
like
to
recognize
in
the
crowd
out
there
all
right
before
we
get
started?
Let
go
of
a
few
reminders.
Please
silence
all
cell
phones
at
this
time,
members
attending
remotely.
Please
indicate
your
location
when
the
clerk
calls
you
roll.
A
Your
vote
can
only
count
toward
the
quorum
if
you
are
one
remote
from
your
office
or
in
your
car,
on
capitol
on
capitol
campus
for
a
reason,
related
covert
19..
If
any
member
has
a
question
or
comment,
please
signal
to
audrey
or
jennifer
members
attending
remotely
that
you
have
a
question
or
comment.
Please
send
a
message
and
zoom
using
that
chat
function.
Clerk.
Would
you
please
call
the
roll.
F
A
President
room,
we
have
a
quorum
where
duly
designate
to
do
business.
Today
we
have
the
following
bills:
for
consideration
house
bill:
33
333.
Excuse
me
act
relating
to
the
establishment
of
tax
credit,
promote
in
investments.
Kentucky
business
sponsor
is
representative
lawrence.
Will
you
you
and
your
guest
approach
the
table
while
you're
going
there?
We
have
a
committee
sub
here's
a
motion
adopt
committee
sub
for
house
bill,
333
motion
all
right,
so
we've
got
a
fir
motion.
Second,
all
in
favor,
sigma
for
saying,
aye
all
opposed,
nay,
committee
self
adopted.
A
G
H
I
I'm
bob
babbage
babbage
co-founder
for
cumberland,
as
well
as
for
shakertown,
which
is
covered
in
a
measure
in
this
bill.
G
Please
proceed
so
I'm
going
to
be
try
to
be
very
brief.
G
G
This
is
going
to
be
an
investment
for
our
state
and
investment
for
our
communities
house
bill
333
is
important,
is
important
to
kentucky,
since
we
all
share
in
the
success
of
rural
development
as
well
as
urban
advancement,
studying
the
tennessee
law
known
as
the
community
investment
tax
tax
credit
gave
me
the
great
example,
as
you
will
hear
from
our
guests
here
today.
Mr
jim
darder
from
the
cumberland
capital
of
tennessee,
highly
positive
rule
and
urban
development
has
in
fact
resulted
from
their
very
from
a
very
similar
law
in
tennessee.
The
return
on
investment
is
impressive.
G
In
jobs,
payroll
construction
and
new
taxes
paid
the
important
landmarks
created
from
long-standing
vacant
buildings.
The
community
investment
tax
credit
has
an
average
of
14
to
one
on
investment.
Additionally
house
bill.
333
now
has
an
addition,
which
is
included
in
the
committee
sub,
to
correct
a
statute
from
the
last
session
concerning
historical
tax
credits.
Restoring
this
to
law
will
once
again
spark
construction
and
improvements
to
keep
historic
sites,
valuable
and
productive.
This
is
also
urgently
needed
for
the
public
structures
that
were
damaged
in
the
devastating
tornadoes
in
western
kentucky.
H
H
The
community
investment
tax
credit
offers
a
five
percent
franchise
and
excise
tax
credit
to
banks
for
making
loans
to
a
certified
community
development,
financial
institution
or
cdfi
at
a
below
market
interest
rate,
in
this
case,
not
more
than
prime
minus
four
percent,
which,
in
today's
rate,
environment,
is
zero
percent.
H
A
quick
background
on
cdfis
for
those
of
you
that
may
not
be
familiar
they're
certified
by
the
united
states
treasury
and
are
affiliated
with
its
cdfi
fund,
which
stands
to
promote
economic
development
or
economic
revitalization
in
distressed
communities
throughout
the
united
states.
By
offering
financial
products
and
services
not
otherwise
available
in
the
open
market,
cdfis,
then
loan
money
to
developers
and
businesses
in
qualified
cdfi
zones,
which
are
census
tracts
that
qualify
by
the
treasury,
based
on
which
are
qualified
by
the
treasury
based
on
low
median
income,
high
unemployment
or
high
poverty
rate.
H
Those
maps
are
updated
every
time
the
census
is
updated.
Based
on
that
data,
so
the
the
process
is
pretty
simple:
cdfis
apply
for
a
tax
credit
with
the
department
of
revenue
and
receive
an
approval
typically
within
a
week,
and
then
loans
are
made
in
the
same
time
frame
as
a
typical
commercial
bank.
H
First,
the
tax
credit
was
recently
used
in
tennessee
to
aid
in
redeveloping
a
mostly
vacant
former
k-mart
shopping
center
in
east
tennessee.
After
purchasing
the
center,
the
developer
invested
more
than
two
million
dollars
in
construction
and
tenant
improvements
and
replaced.
The
former
kmart,
with
a
new
retailer,
bringing
55
new
jobs
to
the
community
and
creating
significant
impact
through
construction
and
the
ongoing
operations
of
that
business.
H
Second,
another
example:
in
a
rural
community
in
the
upper
cumberland
region
of
tennessee,
a
doctor
used
the
tax
credit
to
develop
a
new
clinic.
The
savings
created
by
the
tax
credit
allowed
her
to
increase
the
size
of
the
development
development
by
more
than
30
percent,
adding
an
additional
floor
to
the
building
and
allowing
her
to
create
more
than
20
new
jobs
in
the
community.
H
J
J
Banks
have
typically
bought
these
credits
and
when
they
buy
these
credits
typically
pushes
that
interest
rate
to
near
actually
to
near
zero,
and
it
makes
projects
work
that
otherwise
would
not
work
and
we've
rehabbed
a
lot
of
projects
in
kentucky
all
over
the
state.
I
think
we
have
three
in
jefferson
county
that
we've
actually
done.
A
Well,
there
is
one
question:
raptor
bozonowski.
C
Yes,
so
I
thought
of
this
one
after
we
talked
a
few
minutes
ago.
Does
this
bill
have
a
sunset
on
the
tax
credit.
I
The
reference
is
to
15
years
in
the
in
the
bill.
Yes,
ma'am.
I
C
All
right,
so
I
did
read
the
bill
and
rep
lawrence
gratefully
answered
some
of
my
questions,
but
I
have
a
grave
concern
about
the
fact
that
these
organizations
are
allowed
to
charge
up
to
24.
C
Interest
rate
with
prime
rate
at
three
and
a
quarter,
I
will
not
support
this
bill
with
that
high
of
an
interest
rate
allowed,
even
though,
if
it's
not
being
charged
at
this
point,
you
know
I'm
afraid
that
some
of
our
low-income
business
owners
would
be
taken
advantage
of
with
the
possibility
of
that
high
of
an
interest
rate.
I
If
I
might
comment
mr
chair
and
yes
representative,
that
is
a
number
that
is
already
established
for
that
band
of
loans.
No
one
is
charging
24
in
tennessee.
I
In
this
example,
in
fact,
the
whole
point
is
to
get
the
lower
rate
by
giving
the
credit
and
then
getting
the
cdfi
to
pass
that
through
that's
how
it
works
that
could
be
charged
to
somebody
sometime
by
one
of
those,
but
it
would
not
work
at
all
and
what
we're
shooting
for
here
the
object
is
to
get
a
a
well-established
lower
rate
to
attract
tenants
and
investment
and
improvements,
particularly
in
rural
kentucky,
as
has
been
the
case
in
tennessee.
I
certainly
understand
your
concern,
but
it
won't
be
applicable
to
this
section
of
work.
Well,.
H
If
I,
if
I
may
as
well,
so
I
think
that
language
is
really
more
intended
to
be
a
user
similar
to
a
user
recap,
but
for
context-
and
I
think
this
is
important
note
to
your
point
about
prime
being
three
and
a
quarter
today.
If
I,
if
a
cdfi
is
out
trying
to
make
a
loan
on
one
of
these
projects,
you
know
the
numbers
won't
work.
If
the
numbers
don't
work
at
a
market
rate,
the
borrower
is
not
going
to
move
forward
with
a
deal
with
the
cdfi
at
above
market
rate.
H
So,
while
that
cap
is
intended
to
be
usery
and
kind
of
just
legally
cap
language,
I
think
at
the
end
of
the
day,
practically
speaking,
if
you
were
out
doing
one
of
these
projects,
you
wouldn't
choose
to
borrow
from
a
cdfi
at
that
above
market
rate,
the
the
whole
the
whole
incentive
for
a
borrower
to
use
us
is
when
we
can
drive
savings
and
your
your
kentucky.
Banks
are
loaning
money,
far
far
below
that
rate,
for
any
project
that
would
be
financed
by
this.
H
So
from
a
just
from
strictly
a
competitive
and
market
factors,
standpoint,
no
one
would
choose
our
product
at
that
rate,
which
is
why
those
average
rates
are
well
below
market
in
tennessee
and
why
they
would
be
here
in
kentucky
as
well,
based
on
the
way
the
credit's
structured
just
strictly,
because
those
those
borrowers
are
not
going
to
choose
our
product.
If
we
charge
for
them,
then
a
bank
would
charge.
May.
C
I
briefly
respond
yes,
ma'am,
okay,
so
I
still
don't
understand
why
we
as
a
state
could
not
mandate
that
there
were
lower
tax,
lower
interest
rates
through
funds
that
go
through
this
process,
so
I
will
certainly
look
into
it,
but
I
can't
support
it.
Even
if
it's
what
the
industry
does
as
a
cap,
I
can't
support
it
if
that's
an
option
as
the
interest
rate
for
this
program.
J
Representative
bochnowski,
I
just
checked
with,
and
just
after
you
and
I
had
a
little
quick
discussion.
I
checked
with
their
general
counsel.
That
is
a
statutory
imposed
max
these
these.
These
programs
wouldn't
survive
and
couldn't
exist
if
they
were
anywhere
close
to
that.
In
fact,
most
of
these,
with
the
credits
are
below
prime
they're
they're
all
below
primer.
These
deals
wouldn't
work
because
they're
in
depressed
areas
or
the
rehabilitation
it
just
wouldn't
it
would
make
any
would
make
any
sense
excuse.
A
Me,
I
think
what
you
guys
are
saying:
if,
if
the
prime,
let's
say
it
goes
to
five
percent,
you
get
below
whatever
prime,
is
you
offer
that
off
of
prime?
Don't
get
me
wrong
if
y'all,
if
they're
charging
24,
I
can
go,
get
prime
at
five
percent,
I'm
gonna
get
prime
without
a
doubt.
It's
basically
you
all
use
prime
and
then
use
this
to
drive
it
down
even
more
correct.
That's
correct
and.
H
For
example,
which
fluctuates
unfortunately
absolutely
but
so,
for
example,
back
when
prime
was
five
and
a
half
percent
in
the
not
so
distant
past,
our
average
rates
were
still
below
two
and
a
quarter
so
that
that
gives
you
some
reference
point.
K
Thank
you.
In
my
mind,
banks
are
incentivized
to
make
these
investments
already.
So
I
understand
that
there's
a
five
percent
tax
credit
being
offered
to
banks
for
loaning
to
a
cdfi.
Can
you
explain
to
me
why
that's
not
upside
down
and
why
the
tax
credit
credits
shouldn't
be
offered
to
the
cdfi
or
the
recipients?
If
anyone.
H
So
the
tax
credit
can't
so
there
are
a
couple
factors
there.
So
I'll
address
your
question
about
the
tax
credit
being
received
by
cdfi.
Cdfi
can't
use
the
credit,
so
that's
the
primary
issue
and
most
cdfis
need
a
source
of
capital.
So
cdfis
don't
have
the
money
to
lend
the
banks
do
so
for
this
program
to
work.
Cdfis,
don't
have
a
balance
sheet
to
go
out
and
make
these
loans,
so
they
need
community
bank
partners
with
a
balance
sheet
and
funds
to
lend
to
be
able
to
deploy
that
capital.
H
So
that's
the
first
thing
so
in
that
way,
cdfis
there
are
cdfi's
in
kentucky
today,
but
they
don't
have
the
access
to
this
capital
at
a
cost
that
they
can
redeploy
it
in
a
way.
That's
sustainable
or
works
to
do
these
projects.
So
that's
why
cdfis
that
already
exist
in
kentucky
aren't
able
to
make
these
loans
today,
without
this
credit
for
on
the
bank
side,
that
tax
credit
affords
the
bank
the
opportunity
to
loan
the
money
at
that
below
market
rate.
H
A
All
right
next,
we
have
representative
johnson.
D
H
Sure
go
ahead,
yeah
I'll
I'll,
throw
something
out
and
then
let
him
follow.
So
with
regard
to
the
zones.
So
I
mentioned
this
in
my
comments.
The
the
department
of
the
treasury
has
a
has
a
department
called
the
cdfi
fund,
which
is
division
of
the
treasury.
H
The
cdfi
fund
runs
a
lot
of
different
tax
credit
programs,
but
cdfis
get
certified
by
the
cdfi
fund
to
do
business
when
a
cdfi
gets
certified,
they
establish
a
target
market
or
investment
area
where
they're
going
to
do
business
and
that's
actually
cdfi
submits
a
list
of
census,
tracts
in
which
they're
going
to
do
business.
So
cdfis
in
kentucky
already
have
said
we're
serving
these
census
tracts
in
kentucky
and
then
beyond
that.
So
that's.
The
first
thing
is
that
cdfis
are
working
in
census,
tracts
they've
been
approved
to
serve
by
the
treasury.
H
In
addition,
the
cdfi
fund,
every
time
the
census
is
revised.
Since
the
state
is
revised,
they
revise
their
map
and
qualify
census,
tracts
based
on
low
median
income,
high
unemployment
or
high
poverty
rate,
or
some
combination
of
those
three
things
so
large
swaths
of
kentucky
census
tracts
are
are
in
those
cdfi
zones
and
that's
where
cdfis
are
charged
with
making
these
loans
is
in
those
in
those
tracks.
H
A
cdfi
has
to
make
at
least
60
of
its
loans
by
dollars
and
by
volume
in
those
census
tracks,
and
then
the
rest
have
to
be
made
in
their
investment
area.
So
if
they
served
eastern
kentucky,
for
example,
at
least
60
of
their
loans
would
have
to
be
made
in
qualified
tracks
and
all
of
their
loans
would
have
to
be
made
in
their
investment
area.
In
kentucky.
J
And
mr
can
I
to
further
answer
his
question.
Our
program
concentrates
on
affordable
housing
and
senior
housing,
particularly
low-income,
affordable
housing
and
those
area.
Those
are
two
areas
in
the
state
where
we
have
the
most
housing
need
right,
and
so
we
we
we
concentrate
in
those
areas,
and
you
do
that
below
market
rate
to
make
those
make
those
projects
work,
sure
and
that's
what
the
what
the
credits
are
for
right.
D
Quick
follow
up
real
quickly.
I,
like
the
example
you
used
about
renovating
the
kmart
building.
I
think
you
said
so
for
someone
who's
looking
to
come
in
and
say
I
see
a
great
project.
Do
they
have
to
have
a
you
know
a
background
in
development
business
when
they
come
into
you
do
they
have
to
have
a
proven
track
record
already,
just
kind
of
seeing
what
those
qualifications
look
like
for
the
average
joe
as
compared
to
somebody
who's?
Maybe
you
know
been
in
the
real
estate
game
for
a
while.
H
In
in
general,
the
standards
are
such
that
the
bank
is
still
participating
and
underwriting
the
credit
just
like
the
cdfi
would,
and
so
in
many
ways
the
underwriting
process
is
similar
to
what
it
would
be
with
the
bank
they're
going
to
be
evaluating
that
the
credit,
the
underlying
credit
on
that
deal,
which
is
going
to
include
evaluating
the
developer,
and
so
in
most
cases
what's
what's
happening
here
and
the
reason
this
credit
is
is
great.
H
J
H
L
Thank
you
a
couple
questions
here.
First
of
all,
can
we
talk
about
the
15-year
sunset
again,
I'm
trying
to
scan
through
the
sub
as
fast
as
possible.
Here
I
saw
where
any
leftover
credits
can't
carry
forward
more
than
15
years.
Is
that
what
you're
referring
to?
Is
there
a
clear
sunset
that
I'm
missing.
J
You
can't
you
can't
do
you
can't
use
the
carry
for
credit
more
than
15
years,
okay
and-
and
I
actually
think,
there's
also
a
window
on
this.
That
window
moves,
but
I
think
there's
a
window
on
this
as
well.
Okay,
I
have
to
go
back
and
check
the
bill
real,
quick.
I
could
do
that,
but.
L
Okay,
thank
you.
I
appreciate
that
and
then,
if.
J
L
Out
of
practice
back
to
the
24,
I
guess
I
guess
my
question
there
is.
Why
is
that
language
necessary
and
is
there
a
possibility
that
it
could
be
struck
from
the
bill
before
it
gets
to
the
house
floor.
F
J
I'm
gonna,
I'm
gonna
say
that
that
language
statutorily
is
already
there.
I
it
wouldn't
work
in
these
deals,
one
of
the
things
I
will
go
back
and
and
do
and
when
we're
done
with
this,
this
process
is
go
back
and
see.
If
there
is
anything
that
can
be
done,
I
I
don't
know
statutory.
I
believe
that's
the
cap
that
you
can
have
on
a
community
development
bank,
so
I
mean
there's
also
caps
on
commercial
banks
on
what
they
can
do.
I
With
john's
research,
it
would
be
possible
to
to
consider
taking
that
out,
but
it
would
still
be
in
law,
so
it
might
make
this
bill
prettier,
but
it's
still
a
fact.
Yeah,
all
those
financial
institutions
have
a
cap
they're,
just
not
anywhere
near
there
now,
and
none
of
these
deals
would
work
in
tennessee
or
in
kentucky
without
the
much
lower
rate.
That's
the
enticement,
particularly
in
rural
communities,
where
we're
trying
so
desperately
to
make
progress.
I
L
Can
we
just
talk
about
the
practicality
of
it
and
how
it
would
work,
I'm
again
still
reading
through
the
sub
pretty
quickly
here,
but
it's
capped
at
20
million
a
year
correct.
So
can
you
talk
to
me
about
what
the
approval
process
the
application
process
would
look
like
and
how
a
bank
would
know
even
how
much
of
this
credit
is
left
or
what
the
total
pool
would
be.
H
So
I
can
talk
about
how
the
process
works
in
tennessee,
so
the
department
of
revenue
in
tennessee
manages
the
process
and
the
way
it
works
is
when
banks
and
community
development
financial
institutions
together
find
a
project
they're
going
to
pursue
they.
The
cdfi
applies
for
the
tax
credit,
on
behalf
of
the
bank,
to
the
department
of
revenue
and
the
department
of
revenue,
issues,
issues
and
approval.
H
The
the
approval
process
includes
information
on
the
financial
institution
that
the
cdfi
is
partnering
with,
which
is
most
typically
a
community
bank,
as
well
as
information
on
the
project,
and
then
the
the
state
turns
around
and
approves
that
the
tax
credit
is
not
capped
in
tennessee,
so
I,
but
I
would
think
that
the
department
of
revenue
would
need
to
be
the
ones
tracking
how
much
how
many
tax
credits
have
been
issued.
J
And
with
hope
of
kentucky,
what
they
do
is
the
hope
of
kentucky,
which
is
the
subsidiary
of
kva,
will
pool
together
banks
which
will
buy
those
credits.
It
does
two
things
number
one.
It
allows
you
to
have
enough
capital
to
do
a
large
project,
but
it
also
has
an
attractive
rate
on
it.
For
for
for
for
the
bank,
then
you
have
the
credit
back
to
the
non-profit,
which
is
is
way
below,
prime.
Otherwise,
you
couldn't
get
the
money
to
do
these
kind
of
things.
A
Thank
you
all
right,
representative
brown.
E
H
So
they're
they're,
never
single
family,
residential,
so
never
single,
family
or
or
anything
like
that.
They
this
prop.
This
credit
in
tennessee,
is
used
for
for
multi-family
housing.
Yes,
yeah.
E
I'm
concerned,
I
just
want
to
make
this
point
that
that
I'm
concerned
about
gentrification
in
in
the
area,
I'm
in
in
the
urban
area
that
that
gentrification
happens
and
if
their
loans
to
gentrify
neighborhoods,
I'm
concerned
about
that.
So
you're
saying
that
that's
not
going
to
or
that's
not
something
that
these
projects
are
looking
at.
E
H
E
Residential
housing
that
you
said,
residential
housing,
which
would
be
for
for
large
or
group
housing
developments,
is
that
correct.
I.
J
I
can
definitely
answer
your
question
that
that
this
is
this
is,
for
I
mean
we
do
this
for
affordable
housing
and
we
do
it
for
senior
housing.
Okay,
it's
not
commercial.
What
we!
What
we've
done
is
not
commercial
it,
but
it's
been
done
to
to
satisfy
a
need
that
exists
in
kentucky.
Okay,.
E
A
You're,
welcome
and
representative
raymond
has
a
follow-up.
K
Thanks
for
coming
back
to
me,
I'm
just
trying
to
understand
why
this
is
needed.
If
it's
needed,
don't
banks
already
need
to
invest
in
cdfis
to
meet
the
requirements
of
the
community
reinvestment
act,
and
I
I
want
to
understand
how
this
is
necessary
to
make
it
work
for
banks
which
are
doing
very
well
so
that
I
know
we're
not
just
giving
free
money
to
banks.
J
I
I
I
will
I'll
answer
that
question.
You
know.
Yes,
we
we're
involved
in
the
community
reinvestment
act.
We
have
been
for
over
20
years
well
over
20
years
or
30
years,
actually,
but
above
and
beyond
that,
just
because
you
have
the
community
reinvestment,
you've
got.
These
deals
have
to
work
in
order
to
make
them
work
for
affordable
housing
and
for
senior
housing.
You
know
we
have
to
use
a
very
discounted
rate
off
prime
or
they
just
don't.
J
H
I
would
just
also
add
that
banks
do
not
have
to
invest
in
cdfis
to
get
cra
credit
and
as
a
cdfi
I
can
tell
you.
Banks
are
not
not
jumping
off
their
off
out
of
their
seat,
trying
to
give
us
funding
to
do
these
things.
We've
never
received
an
investment
or
a
dollar
from
from
a
bank
as
a
cdfi
in
tennessee.
H
So
if
you
look
at
the
average
cdfi
in
tennessee
or
kentucky,
most
of
them
are
not
extremely
well
funded
and
don't
have
a
big
balance
sheet.
They
can
use
to
go
borrow
against,
which
is
why
there
needs
to
be
some
incentive
for
a
bank
to
get
motivated
to
to
loan
the
money,
because
most
cdfis
are
not
great
underwritten
credit.
If
that
makes
sense,
you
know
they're,
not
a
prime
credit
borrower.
H
That's
that's
worthy
of
loaning,
the
money
to
in
a
market
environment
if
that
capital
were
accessible.
Otherwise,
the
credit
I
agree
wouldn't
be
necessary,
but
they're
not
motivated
to
make
those
loans
without
some
incentive.
A
Okay
again,
a
recap
again,
I
think
lochman
said
about
the
interest
rate
from
zero
to
24.
A
A
We
haven't
seen
24
well
ever,
but
there
has
to
be
a
cap
on
it
somewhere
and
but
as
basis
interest
rate
goes
up,
then
you
all
can
offer
something
less
than
that
to
actually
get
people
in
involved
in
these
projects,
which
are
lower
risk
that
people
normally
wouldn't
want
to
get
in
to
help
build
these
structures
that,
I
think
that's
what
is
important
in
this.
We
are
actually
helping
basically
blighted
at
risk
properties
that
people
would
not
normally
get
into.
So
if.
G
I
may
yes,
sir,
when
I,
when
I
was
approached
with
the
bill,
I
had
a
lot
of
the
same
questions
that
have
been
brought
up
here
today
and
I
want
to
say
thank
you
for
everybody
that
has
brought
up
the
questions
and
for
your
concerns
over
it.
When
I
first
sit
down
with
these
guys
and
this
team
that
I
have
sitting
here
with
me
today,
my
biggest
concern
was:
is
this
going
to
spark
investment
in
rural
kentucky
and
the
answer
to
that
question
is
yes,
and
that
is
so
important
for
us
now
as
a
state.
G
We
are
struggling
in
our
rural
areas.
I've
heard
debate
on
the
floor
for
hours
about
how
rural
kentucky
is
really
taking
a
beat
in
the
last
few
years,
and
I
hope
that
through
this
tax
credit,
it's
not
a
solved
ball.
It's
not
the
answer
to
all
the
questions
by
any
means,
but
I
think
it's
a
step
in
the
right
direction.
I
thank
you
guys
for
hearing
us
out
today
and
thank
you
thank.
A
You
thank
you.
No
more
questions.
We
are
ready
to
vote
on
house
bill
33
as
submitted
by
committee
sub
clerk.
Would
you
please
call
the
roll.
F
C
E
I'm
going
to
pass
it
this
time.
I've
got
more
questions,
I'd
like
to
ask
so
I'll
pass
it
this
time.
Thank
you.
C
F
F
F
F
L
Representative
roberts
explain
my
vote,
I'm
a
no
on
this.
I
fear
that
this
bill
supports
banks
more
than
rural
kentucky.
So
I'm
a
no
at
this
time.
Representative.
F
Comment
briefly,
great
piece
of
legislation:
common
sense,
incentivizing
folks
to
go
in
and
build
up
lower
income.
Lower
underserved
developed
areas
in
kentucky
could
pass
ten
of
these
a
wood,
great
great
piece
of
legislation,
good
job.
Thank
you.
Yes,.
F
A
A
Thank
you.
We
are
we're
now
adjourned
promotional
adjournment,
we're
joined.