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From YouTube: 2/17/2021 - Assembly Committee on Commerce and Labor
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A
D
A
Here,
madam
secretary,
please
that
all
members
are
present
and
we
have
a
quorum
welcome
to
our
audience
tuning
in
over
the
internet
before
we
get
started,
I'd
like
to
go
over
some
housekeeping,
please
remember
all
exhibits,
written
testimony
and
amendments
are
required
to
be
turned
into
the
committee
secretary
by
noon.
The
day
before
the
committee
meeting,
persons
who
wish
to
provide
testimony
must
register
online
at.
A
Asmcl.Asm.State.Nv.Us,
I
will
remind
everyone
that
the
zoom
chat
is
strictly
reserved
for
business.
Only
members,
please
remember
to
keep
your
camera
on
at
all
times.
This
will
help
ensure
that
we
have
a
quorum
members
and
presenters.
Please
remember
to
be
muted
at
all
times,
unmute
yourself
prior
to
speaking,
and
then
immediately
mute
yourself
when
you
are
done.
Thank
you
to
everyone
for
being
here
and
let's
get
started
with
our
agenda.
A
We
have
three
items
on
our
agenda
today,
three
bill
hearings
and
we
will
be
taking
them
out
of
order.
We
will
be
starting
with
assembly
bill
73
and
I
believe
we
have
miss
leticia
methyl
with
the
division
of
public
and
behavioral
health
here
to
present
the
bill.
I
will
now
open
the
hearing
on
assembly
bill
73.
D
D
D
This
bill
and
the
accompanying
amendment
is
intended
to
clean
up
discrepancies
and
statues
and
make
other
changes
to
reflect
updates
in
the
name
of
the
organizations
eliminate
some
unnecessary
fees.
Revise
provisional
licensing
requirements
remove
a
provision
that
would
penalize
registered
dietitians,
who
were
previously
licensed
in
nevada
and
want
to
return
to
practice
here
and
repeal
sections
of
nrs
that
are
no
longer
needed.
D
If
an
individual
allows
their
registered
dietitian
status
to
expire,
they
would
have
to
meet
the
graduate
degree
requirement
in
order
to
become
a
registered
dietitian.
In
addition,
the
individual
would
not
be
able
to
renew
their
dietitian
license
until
they
met
their
graduate
degree
requirement
in
order
to
become
a
registered
dietitian
again.
D
It
also
noted
that
graduate
degree
requirements
do
not
deter
students
that
are
interested
in
the
health
health,
professional
career.
The
nutrition
programs
at
the
universities
of
reno
in
las
vegas
were
also
consulted,
and
they
felt
that
the
universities
could
meet
the
graduate
level
demands
as
a
result
of
this
change.
D
This
means
effective
january
1st
2024.
The
statutes
would
end
up
requiring
two
different
degrees.
If
this
bill
was
not
passed
a
bachelor's
degree
in
one
section
of
the
nrs
and
a
graduate
degree
in
the
other
section
of
the
nrs
since
the
applicant
who
has
not
already
taken
the
registration
exam
would
be
required
to
have
a
graduate
degree
in
order
to
take
the
exam
section.
One
replaces
the
current
initial
dietitian
licensure
qualification
criteria
with
the
criteria.
D
The
cdr
is
the
nationally
recognized
expert
when
it
comes
to
ministering
credentialing
standards
for
dietitians
to
protect
the
public
section.
2
revises
nrs640.170
to
no
longer
refer
to
the
education
and
experience
required
by
nrs648.150
that
instead
allow
a
person
eligible
to
take
the
registration
exam
that
has
not
successfully
completed
exam
to
engage
in
the
practice
of
dietetics.
Under
the
direct
supervision
of
a
diet
licensed
dietitian,
an
amendment
is
being
presented
to
change
section,
3
and
640e
180.
D
The
current
statute
penalizes
registered
dietitians,
who
were
licensed
in
nevada
that
left
the
state
to
practice
as
a
registered
dietitian
in
another
state
and
who
want
to
return
to
practice
in
nevada
after
two
years.
But
at
the
same
time
it
would
allow
a
registered
dietitian
who
was
never
licensed
as
a
dietitian
in
nevada,
to
apply
for
a
licensure
without
re.
Taking
the
registration
exam
as
the
bill
requires
an
individual
to
be
a
registered
dietitian
in
order
to
become
licensed
in
nevada.
D
The
fact
that
an
individual
is
a
registered
dietitian
should
be
enough
to
allow
them
to
apply
for
licensure
without
having
to
retake
the
exam
section.
5
eliminates
three
unnecessary
fees
with
ab-73
requiring
an
applicant
for
initial
dietitian
licensure
to
be
a
registered
dietitian
in
good
standing.
The
examination
applicant
for
a
license
would
no
longer
be
required.
D
This
does
end
up
penalizing
a
licensed
dietitian
by
requiring
they
submit
a
new
initial
application
which
results
in
additional
costs
and
inconvenience
of
getting
another
background
check
done.
The
division's
online
licensing
system
allows
dietitians
to
log
into
their
account
and
print
a
duplicate
fee.
Therefore,
the
fee
for
issuing
a
duplicate
license
is
not
needed.
D
The
fee
for
processing
a
change
of
name
application
is
still
needed,
so
the
amendment
does
request
that
that
remain
in
place.
Section
six
of
the
bill
removes
the
requirement
existing
law
that
a
licensed
dietitian
fails
to
an
application
for
the
renewal
of
the
license
within
two
years
after
the
date
of
the
expiration.
Let
must
take
the
registration
examination.
I
already
explained
that
one
section
seven
repeals.
D
Nrs439.537
for
nrs640e
and
nr640.210
nrs4
39.537,
the
unlawful
use
of
words
and
letters
designated
person
as
a
licensed
or
registered
dietitian
is
being
repealed,
as
nrs640e.360
currently
has
language
that
would
prohibit
an
individual
to
repent
that
represent
themselves
as
a
licensed,
dietitian
or
qualified
to
gauge
in
the
practice
of
dietitian
dietetics.
So
it's
pretty
well
covered
in
current
statutes
and
the
same
chapter
where
everybody
can
find
it.
D
D
In
addition,
this
would
no
longer
be
needed
with
passage
of
ab-73.
As
all
initial
applicants
would
be
required
to
be
a
registered
dietitian
in
order
to
become
a
licensed
dietitian,
so
it
would
eliminate
all
those
individual
qualifications
in
the
statutes,
as
that
would
be
covered
as
part
of
the
registered
dietitian
process.
D
The
proposed
amendment
revises
nrs
640
e.080
090
1.290,
in
order
to
update
the
name
of
the
commission
on
dietetic
registration
in
the
name
of
the
accreditation
council
for
education
and
nutrition
dietetics.
So
it's
just
cleaning
up
some
names.
It
also
amends
640e
180,
so
an
applicant
for
a
provisional
license
must
meet
the
three
eligibility
requirements
to
take
the
registration
exam
and
keeps
the
ability
to
assess
the
fee
for
the
change
of
name.
D
Making
the
requirements
for
is
clear,
providing
time
for
the
provisional
licensees
to
meet
their
requirements
to
become
a
licensed
dietitian,
not
penalizing
registered
dietitians
becomes
licensed
in
nevada
and
wanted
to
return
and
removing
unnecessary
fees.
This
concludes
my
testimony.
May
I
answer
any
questions.
A
E
D
Yes,
I'd
like
to
like
to
clarify
that
the
effect
would
basically
be
the
same,
but
it
would
be
if
you
missed
your
registered
dietitian,
because
the
bill
required
would
require
you
to
be
a
registered
dietitian.
So
you
are
correct
if
they
lost
a
registered
dietitian
and
let
it
lapse
by
a
day
two
days.
The
cdr
would
require
them
to
become
a
registered
dietitian
to
obtain
their
graduate
degree,
which
then,
in
effect,
would
mean
that
they
would
not
be
able
to
renew
their
license.
So,
yes,
the
the
end
effect
is
correct.
E
E
I
get
penalized
if
I
renew
late
on
something,
but
if
someone
renews
late
and
has
to
go
back
and
the
difference
between
a
bachelor
and
a
graduate
is
kind
of
an
expensive
fine
for
possibly
missing
your
renewal
date,
I
think
there
needs
to
be
some
type
of
grace
period.
We
have
grace
periods
in
other
ways,
so
I
would
have
some
concerns
about
that.
It's
people
could
end
up
losing
their
jobs,
so
we
just
have
some
concerns
about
that.
Thank
you,
madam
chair.
A
Thank
you
vice
chair
and
that
actually
I'm
glad
you
brought
that
question
up.
I
had
read
it
differently
and
so
that
I
have
the
same
concerns
so
miss
mithril,
I'm
just
going
to
jump
in
and
ask
a
question
because
it's
in
the
same
area
that
reister
carlton
asked
so
they
so
dieticians
have
to
renew
their
registration
and
renew
their
license.
A
D
A
And
if,
if
you're
available,
that
would
be
great.
If
you
could
confirm
how
often
the
the
registration
has
to
be
renewed.
And
if
the
cdr
offers
a
grace
period
for
the
registration.
D
The
grace
period-
I
there's
no
grace
period
that
I
am
aware
of
the
two
years.
I
think
it's
two
years
but
I'd
like
to
confirm
that
and
get
that
back
to
you
to
be
positive.
I
want
to
make
sure
you
have
correct
information.
Thank.
A
D
C
I
was
curious
about
the
repealed
section
439.537
and
taking
out
unlawful
use
of
words
or
letters
as
a
meeting
person
as
licensed
or
registered
dietitian,
and
I
believe
when
you
were
referencing
640e
0.160,
that
section
you
said
that
that
section
was
found
elsewhere,
I'm
just
wondering
where
it's
covered
elsewhere,
that
if
I
were
you,
know
somebody
who
was
not
a
licensed
and
registered
dietitian,
but
I
was
promoting
myself
by
fraudulently
misusing
those
those
initials
and
that
those
titles
where
would
I
find
that
restriction
and
that
penalty
in
statute.
D
B
Is
if
you
go
to
nrs,
let's
see
I
have
it
here.
B
C
Okay,
if
you
need
to
get
back
to
us,
I
I
and
just
share
that
I
just
wanted
to
make
sure
that
we're
not
losing
that
restriction
so
that
we
have
some
way
of
restricting
people
from
fraudulently
presenting
themselves
as
licensed
when
they're
not.
A
G
Thank
you,
madam
chair
sam
cross
committee
council.
Yes,
that
is
in
64e
360.
G
and
it
prohibits
a
person
from
using
in
connection
with
his
or
her
name
the
words
ld
licensed
dietitian
or
other
letters
indicating
that
they're,
a
dietitian.
A
A
A
B
D
Yes,
for
the
record,
this
is
latisha
mataro,
yes,
right
now,
the
cdr
is
going
to
be
changing
it
from
a
voucher's
degree
to
a
graduate
degree
and
they
did
a
number
of
research.
I
have
the
journal
article,
I'm
happy
to
give
to
the
committee
where
they
felt
that
that
was
the
minimum
requirements
in
modern
age.
To
have
these
individuals
at
the
entry
level
have
the
skills
they
need
in
order
to
protect
the
public
and
consumers,
and
so
that's
the
reason.
D
D
D
They
would
require
the
the
master's
degree,
and
you
know
I
would
assume
those
master's
degree
take
two
to
three
years,
so
I
would
say
an
additional
two
to
three
years,
since
all
of
the
other
requirements
are
remaining
the
same,
that
it
would
be
an
another
two
or
three
years
until
they
you
know
somebody
was
able
to
obtain
the
the
the
master's
degree
at
a
minimum.
A
Thank
you
assemblymember
and
miss
mitharel.
I
just
want
to
clarify
so
we're
not
changing
the
requirements,
the
education
requirements,
the
cdr
is
changing
the
requirements,
correct,
that's
a
national
organization,
that's
correct,
okay,
perfect,
and
then
I
just
I
just
need
to
clarify
this
again
just
for
the
record.
So
we
don't.
We
don't
register
dietitians.
A
We
just
license
dietitians,
but
in
order
to
get
a
license
in
the
state,
you
have
to
be
a
registered.
Dietitian
dietitians
become
registered
with
the
national
organization.
The
cdr,
and
you
mentioned
that
the
cd
the
cdr
does
not
have
a
grace
period
on
renewals,
so
they
would
not
be
able
to
renew
their
license
with
us
if,
if
they
indeed
were
late
on
their
registration
renewal,
correct
and
then
if
they
were
late
on
their
registration
renewal,
then
the
cdr
would
not
allow
them
to
register
until
they
then
provided
a
master's
degree.
That's.
A
A
A
B
H
Madam
chairwoman,
this
is
dylan
martin,
with
the
nevada
academy
of
nutrition
dietetics.
Can
you
hear
me.
H
Okay,
great
great,
thank
you.
I
I
did
not
get
the
video
link,
so
I
was
only
on
the
audio
only
link.
So
thank
you.
I
appreciate
your
time
and
appreciate
the
members
of
the
committee.
Like
I
said,
my
name
is
dylan
martin,
I'm
currently
serving
as
president
of
the
nevada
academy
of
nutrition
dietetics.
H
I'm
speaking
you
today
to
go
on
record
in
thanking
the
nevada
board
of
health
for
utilizing
one
of
their
bdrs
to
improve
our
licensure.
I
also
want
to
mention
that
dr
laura
kruskal,
who
I
believe
is
on
the
line
as
a
as
an
expert
has
been
instrumental
in
helping
to
communicate
with
the
nevada
board
of
health,
and
we
owe
her
our
thanks
at
this
point
in
time.
The
nevada
academy
of
nutrition
dietetics
has
been
reading
the
language
in
ab73
and
we
do
support
the
intended
purpose
of
ab-73.
H
I
don't
want
to
waste
the
committee's
time
with
recapping.
All
of
the
points
of
the
bill,
because
I
think
miss
methoral
did
a
good
job
of
that,
but
it's
our
understanding
that
the
original
language
submitted
in
the
first
draft
to
ab-73
needed
some
amendments,
and
we
appreciate
ms
miteral's
time
in
presenting
those
amendments
today
and
we
very
much
look
forward
to
seeing
the
final
version
of
ab73.
H
In
addition,
our
organization
will
support
the
board
of
health
and
the
assembly
committee
on
commerce
and
labor
to
ensure
that
the
language
of
ab-73
meets
the
needs
of
nutrition
professionals
practicing
in
our
state
I'll
also
just
quickly
add.
If
I
have
time
because
of
discussion,
there
were
some
questions
that
we
renew
our
registration
with
cdr
every
five
years.
I
am
not
sure
either.
If
there
is
a
grace
period
with
cdr,
there
may
be
a
60-day
grace
period
with
cdr
to
get
that
completed.
H
So
thank
you
and
there
may
be
someone
else
on
the
call
that
can
clarify
what
I
just
said.
B
B
Yes,
we
can
thank
you.
My
name
is
laura
kruskal
and
I
apologize
I'm
sitting
in
a
zoom
waiting
room
and
nobody
let
me
in
so
I
apologize.
I
had
to
be
available
by
phone.
I
was
miss
mezrel's
expert,
witness,
I'm
the
director
of
nutrition
at
the
university
of
nevada,
las
vegas.
I've
been
there
since
1999
and
was
responsible
for
developing
all
of
our
nutrition
programs
at
unlv.
B
So
just
to
clarify
two
points,
number
one.
The
point
about
the
whole
master's
degree
requirement.
Yes,
the
cdr
is
changing
that
requirement,
but
going
back
to
our
original
provision
or
the
original
eligibility
requirement
for
getting
a
license,
is
you
have
to
just
be
an
rdn?
B
So
if
somebody
is
an
rdn
and
they
let
their
so-called,
you
know
if
they
let
their
rdn
expire
just
because
of
a
fee
and
they're
reinstated,
they
would
not
have
to
go
back
and
get
a
master's
degree
because
they
are
an
rdn
in
good
standing
with
cdr
and
mr
martin
is
correct.
There
is
a
grace
period
and
there's
two
there's
two
processes
of
becoming
an
rdn
there's
a
five
year.
B
You
have
to
renew
every
five
years
with
continuing
education,
so
that's
one
process,
but
then
there
is
an
annual
fee
just
to
maintain
that
credential
as
well,
and
there
is
a
grace
period
if
you
miss
that
annual
fee.
So
yes,
there
are
grace
periods
as
far
as
as
your
credential
goes,
so
it's
very
difficult
to
lose
that
credential.
A
Okay,
perfect.
Thank
you.
We
appreciate
you
being
on
here
to
offer
your
testimony
and
support.
If
you
would
please
would
you
spell
your
name
for
our
committee
secretary
and
we
apologize
for
not
seeing
you
in
the
waiting
room
or
it's
a
virtual
setting
and
we're
all
still
getting
used
to
it.
So,
thank
you
for
your
patience.
I
appreciate
it.
B
E
Yes,
ma'am
sheriff,
mr
martin
is
still
available
or
the
previous
testifier.
I
had
a
question
about
the
students
if
anyone's
available.
E
That's
wonderful,
mr
martin.
Thank
you.
This
is
assemblywoman
carlton.
I
guess
my
question
is
with.
As
far
as
the
students
are
concerned,
we
have
folks
in
the
queue
right
now
studying
for
this
and
if
they
were
not
to
graduate
before
2024
not
be
able
to
become
registered
before
2024,
this
will
apply
to
them
after
january
1st
of
that
year,
are
they
aware
of
this,
and
do
they
realize
that
they're
going
to
have
to
spend
another
couple
of
years
to
get
that
that
master's
degree
level
right.
H
So
let
me
let
me
provide
the
best
answer
I
can
and
then
I
may
have
to
also
defer
to
dr
kruskal,
who
deals
with
students
more
directly.
I
could.
I
can
consider
myself
to
fall
into
this
category.
I
was
aware
when
I
graduated
that
the
master's
degree
was
pending,
but
the
academy
has
grandfathered
in
anyone
who
starts
in
a
nutrition
science.
H
Didactic
program
prior
to
the
year
2024
would
be
grandfathered
in
under
the
require
the
old,
it's
called
the
old
requirements,
so
the
academy
also
has
different
pathways,
so
even
though
the
master's
degree
will
be
required
after
2024,
there
are
still
some
other
pathways
available
for
becoming
a
registered
dietitian.
H
E
Well,
we're
all
very
aware
of
what
student
debt
is,
and
the
last
thing
I
want
to
see
is
someone
end
up
with
more
debt
and
just
because
they're
trying
to
get
like,
I
said
to
that
goal
post.
So,
thank
you
very
much
for
answering
my
questions.
A
Great
question
nice
chair.
Thank
you
for
that
question.
Okay,
I
don't
have
anyone
signed
up
in
opposition
to
testify
in
on
video
for
ab-73
broadcasting?
Can
we
check
the
phone
line.
A
A
Thank
you
and
thank
you,
miss
methurell
for
presenting
assembly
bill
73.
I
would
like
to
ask
if
you
would
please
submit
your
remarks.
I
noticed
you
were
reading
your
script
for
the
presentation.
If
you
could,
please
submit
those
to
our
committee
manager,
so
she
can
upload
them
as
an
exhibit
and
it
would
help
her
with
her
minutes
and
miss
mithril.
Would
you
like
to
give
any
final
remarks.
D
A
A
A
I
certainly
am
welcome
to
the
committee.
You
can
start
when
you're
ready
and
is
there
anyone
presenting
with
you,
commissioner,
not
today,
no
okay,
perfect,
please
eating
when
you're
ready,
certainly.
F
So
good
afternoon,
chair
howdy
and
vice
chair,
carlton
members
of
the
committee,
my
name
is
barbara
richardson,
I'm
the
insurance
commissioner
for
the
state
of
nevada
and
I'm
here
to
present
assembly
built
18..
So
this
bill
focuses
on
two
areas.
The
first
is
to
provide
nevada's
automobile
insurance.
Additional
excuse
me
automobile
insurance,
commission,
consumers,
additional
choices
regarding
their
limits
of
uninsured
and
underinsured
motorist
coverage.
The
second
is
to
help
ensure
that
nevada's
renewable
altered
terms.
Statutory
language
cannot
limit
potential
policy
improvements
for
insurance.
Commissioner,
I
mean
consumers.
F
I
will
provide
you
with
a
brief
overview
of
the
changes
being
proposed
in
the
bill
and
then
I'll
be
happy
to
answer
any
questions
that
you
have
so
sections.
One
and
three
of
this
proposed
bill
provide
additional
options
to
nevada
insurance,
consumers
regarding
uninsured
and
unders
motorist
coverage
limits
in
a
policy
of
automobile
insurance.
F
So
under
current
nevada
law,
insurers
are
only
allowed
to
offer
consumers
uninsured
and
underinsured
limits
in
amounts
not
less
than
the
state's
minimum
limits
for
liability
insurance
for
bodily
injury
and
not
more
than
the
amount
of
coverage
for
bodily
injury
liability
purchased
by
the
consumer.
So
nevada's
current
minimum
limits
for
bodily
injury
liability
coverage
is
25,
000
per
person
or
fifty
thousand
per
occurrence,
so
languages
in
sections.
One
and
three
provides
insurers.
F
The
option
to
offer
limits
of
uim
but
different
from
bodily
injury
liability
limits
in
a
policy
for
policies
of
insurers
that
choose
to
make
this
option
available.
This
change
provides
nevada
consumers,
the
ability
to
tailor
their
coverages
to
their
actual
needs
for
protection.
F
Underinsured
and
uninsured
motors
coverage
pays
for
the
medical
bills
lost
wages.
If
you
can't
work
because
of
the
car
accident,
so
pain
and
suffering
compensation
and
potential
funeral
expenses,
when
you're
injured
by
a
vehicle
caused
by
a
driver
who
either
didn't
carry
liability,
car
insurance
or
doesn't
have
enough
liability
insurance
to
cover
the
value
of
your
injuries.
F
So
when
insurance
considered
the
amounts
of
uninsured
motorists
or
underinsured
motors
coverage,
they
should
carry,
they
should
consider
what
might
be
given
to
the
amount
of,
or
they
can
should
consider
what
amount
of
their
available
liquid
assets
they
might
be,
putting
out
at
risk.
For
example,
do
they
carry
robust
medical
insurance
that
may
cover
their
medical
bills?
Do
they
have
like
disability
insurance
that
would
replace
their
income
in
the
event
of
an
accident,
and
there
also
could
be
the
possible
vaccine
could
make
them
partially
or
permanently
disabled?
F
F
F
So
now
what
we
want
to
do
is
include
a
list
of
exceptions
to
this
notice
requirement
where
the
changes
are
more
clearly
consumer
friendly.
The
proposed
changes
also
replace
different
terms
and
rates
with
change
in
policy
or
coverage
to
be
less
ambiguous.
Some
of
the
changes
were
30
days.
Notice
for
a
change
of
policy
or
coverage
would
not
apply
consist
of,
for
example,
one
a
decrease
in
the
amount
of
total
premium
charge,
or
a
change
in
the
effective
date
or
expiration
dates
of
the
policy.
F
Under
the
statute
of
the
current
statutory
language,
insurers
could
be
prohibited
from
making
these
types
of
policy
improvements
or
providing
rate
decrease
if
they
did
not
provide
consumers.
30
news
notes
prior
to
their
policy
renewals.
The
idea
is
to
actually
be
able
to
provide
that
information,
but
not
miss
out
an
opportunity
if
the
insurance
company
misses
the
exact
30-day
mark.
F
So
there
is
one
issue
that
I
did
want
to
bring
forward.
So
there's
an
item
that
I'd
like
to
discuss
regarding
ab18.
F
So
after
long
discussions
with
them
and
in
order
to
avoid
confusion
or
concern,
the
division
is
proposing
deleting
section
1,
2b
and
we've
been
in
communication
with
the
nevada
justice
association
regarding
this
proposal.
So
this
concludes
my
introduction
of
ab18
and
I'm
available
for
questions.
If
you
have
any.
E
And
and
thank
you
so
we
went
through
an
explanation
of
a
section
that
I
believe
is
going
to
be
deleted.
So
I
just
want
to
make
sure
that,
out
of
all
this,
we
know
what's
being
proposed
to
be
deleted.
F
For
the
record,
this
is
barbara
richardson,
it's
section,
1
2b
and
it's
the
languages
may
offer
uninsured
and
underinsured
vehicle
coverage
in
an
amount
that
is
greater
or
less
than
the
limits
of
coverage
for
bodily
injuries
sold
to
an
insured
under
the
policy
of
insurance
covering
the
use
of
a
passenger
car.
F
E
B
E
A
You're
welcome,
madam
vice
chair
committee
members.
Any
other
questions.
C
Yes,
thank
you,
and,
and
once
again
vice
chair
beats
me
to
it.
That
was
my
same
section
of
question
as
well,
but
in
that
last
clarification
I
just
wanted
to
add
to
that
it's
greater
or
less
than
the
both
of
those
parameters,
we're
just
removing
that
entire
section
completely
because
of
the
concerns
around
it.
F
F
You
are
required
to
actually
sign
some
kind
of
stipulation
with
the
insurance
carrier
to
make
sure
that
you
understand
what
the
limits
of
coverage
are
as
part
of
that,
so
this
tended
to
just
confuse
the
situation.
This
section
did.
C
A
Okay
and
then
miss
richardson.
I
just
have
one
question
on
that
section:
that's
being
deleted
as
well.
So
then
the
only
option
the
only
option
would
be
if
they
do
decide
to
do
uninsured
under
insured
mortgage,
they
have
to
buy
it
in
the
amount
equivalent
to
the
insurance
amount.
They
have
for
bodily
injury.
There's
no
other
option
so.
F
This
is
barbara
richardson
for
the
record.
They
can
actually
have
more
than
that
on
on
the
form
itself,
but
you
have
to
sign
something
that
actually
acknowledges
that
so
this
particular
section
we're
deleting
wouldn't
have
required
any
kind
of
agreed
or
tested
agreement
from
the
consumer
itself.
So
that's
why
we
were
removing.
A
It
okay,
perfect,
thank
you
and
it
looks
like
I
don't
have
any
other
questions
from
the
committee
members.
Oh
assembly,
member
tolls
that
that
just
okay,
I
think
that
just
came
in
late.
Okay,
thank
you
so
much,
commissioner.
We
are
going
to
go
ahead
and
move
into
the
testimonies.
A
part
of
our
bill.
Bill
hearing
looks
like
I
don't:
have
anyone
signed
up
to
testify
and
support
on
video?
B
I
G-R-A-H-A-M-G-A-L-L-O-W-A-Y
initially
I
signed
in
this
morning
or
registered
this
morning
for
this
hearing
in
opposition,
but
after
discussion
with
the
division
of
insurance
and
commissioner
richardson's
staff,
they
have
graciously
agreed
to
an
amendment
and
that
was
discussed
which
transforms
us
into
a
full-fledged
for
the
record
supporter
of
the
bill,
in
fact,
section
two
that
the
commissioner
discussed
is
very
good
consumer
legislation.
So
again,
once
again
for
the
record,
the
nevada
justices
association
is
in
favor
in
support
of
this
bill,
and
we
extend
our
gratitude
to
the
commissioner
and
her
staff
for
making
the
amendment.
A
A
A
F
So
for
the
record,
this
is
barbara
richardson.
No,
I
don't
have
any
closing
marks,
except
thank
you
and
the
the
justice
association
for
working
so
diligently
with
us.
We
appreciate
it.
A
Thank
you.
I
will
now
close
the
hearing
on
assembly
bill,
18
and
open
the
hearing
on
our
last
bill
for
the
afternoon
assembly
bill
4..
We
have
commissioner
richardson
here
with
us
to
present
assembly
bill
for
commissioner
when
you're
ready.
A
A
F
Problem
on
this
good
afternoon,
chair
howdy
and
vice
chair
calton,
the
members
of
the
committee.
So
for
the
record,
my
name
is
barb
richardson,
I'm
the
insurance
commissioner
for
the
state
and
I'm
here
to
present
the
summit
bill
4..
F
This
bill
addresses
changes
to
the
nevada
insurance
guarantee
association,
which
is
contained
in
nevada,
revised
statutes,
chapter
687a,
so
I'm
also
joined
here
today
by
bob
lottermill
who's,
the
executive
director
of
the
nevada,
insurance
guarantee
association
and
imagine
if
you
will
you're
sitting
in
the
assembly
chambers
right
now,
bob
would
be
sitting
next
to
me.
F
Nevada's
insurance
premium
tax
provides
the
state's
fourth
largest
source
of
general
fund
revenue
gendering
over
440
million
in
taxes
collected
during
the
past
fiscal
year.
Insurance
is
currently
the
largest
financial
sector
in
the
united
states
and
is
the
only
financial
sector
that
is
primarily
regulated
by
the
states
rather
than
the
federal
government.
F
Most
insurance
carriers
doing
business
in
nevada,
also
transact
insurance
in
multiple
states
or
are
considered
national
companies.
So
nevada
is
a
fully
credited
member
of
the
national
association
of
insurance
commissioners,
which
is
governed
by
the
insurance
commissioners
from
the
50
states,
the
district
of
columbia
and
the
five
u.s
territories
through
the
neic.
The
commissioners
work
together
to
create
a
regulatory
framework
that
provides
increased
uniformity
for
insurers,
information
sharing
and
support
to
help
create
more
efficient
markets
and
better
consumer
advocacy.
F
One
of
the
important
activities
of
the
neic
is
the
drafting
and
adoption
of
model
laws
and
regulations
which
are
created
by
and
voted
on
by,
the
insurance
commissioners
through
a
transaction
or
transparent
collaborative
process.
This
also
includes
members
of
the
industry
and
consumer
advocates
throughout
the
entire
process.
These
particular
model
laws
can
take
years
to
draft
by
making
sure
that
they're,
open
and
trans
you
know
transparent
during
the
entire
process
period.
F
These
approved
models
are
drafted
to
provide
each
state
with
a
base
of
consistent
language
to
use
when
proposing
act
or
enactment
through
their
state
legislators.
Model
legislation
helps
create
efficiencies
for
multi-state
carriers
through
an
improved
uniformity
of
regulation,
which,
in
turn
helps
reduce
rates
for
consumers.
F
The
reason
I
bring
this
up
are
that
the
revisions
of
this
bill,
which
are
intended
to
update
nrs
687a,
are
based
upon
model
language
created
by
the
national
conference
of
insurance,
legislators
or
encoil.
The
national
conference
of
insurance
guarantee
funds
and
the
naic,
so
the
nevada,
insurance
guarantee
association
or
guaranty
association
is
a
non-profit
association
created
by
the
nevada
legislature
to
pay
certain
claims
of
nevada
insurance
consumers
in
the
event
of
property
casualty.
Insurer,
insolvency.
F
The
maximum
payout
under
the
guarantee
association
is
seven.
Excuse
me,
three
hundred
thousand
dollars
per
claimant.
All
insurance
companies
that
are
licensed
to
sell
property
and
casualty
insurance
in
nevada
are
required
to
be
members
of
this
association
and
all
contribute
to
this
fund.
Insurance
carriers
are
allowed
to
offset
their
insolvency
assessments
to
the
guarantee
association,
with
credits
on
their
premium
tax
returns
at
20
percent
each
year
for
five
successive
years,
so
in
certain
insurance,
solvencies
can
ultimately
create
reduced
general
fund
tax
collections.
F
So
I'm
going
to
go
through
a
brief
overview
of
the
changes
being
proposed
in
ab4
and
then
we're
going
to
have
bob
available.
Should
you
have
any
specific
questions
about
how
it
might
be
used
or
embraced
by
the
guarantee
association
themselves?
F
So
section
1
through
18,
removes
references
to
nrs
687
a110,
as
these
are
in
relation
to
the
provisions
that
are
being
limited
in
section
15
of
the
proposed
bill
and
I'll
get
to
that
soon.
Sections
two
three
and
four
add
definitions
for
the
terms
person
and
self-insured
section:
five
limits
the
claims
which
may
be
asserted
against
a
consumer
insured
by
a
policy
that
is
issued
by
an
insolvent
insurer.
F
F
It
also
adds
additional
powers
to
the
guarantee
association
and
amends
provisions
regarding
lawsuits
involving
the
guarantee
association.
We
had
some
requests
for
cleric
clarification
on
this
section
by
the
nevada,
justice
association
and
after
discussion
with
their
members.
We
thought
it
would
be
helpful
to
clarify
that
settlements
referred
to
under
section
1f,
do
not
apply
to
close
settlements
where
payments
was
already
tendered
by
the
insolvent
insurance
company.
We
will
be
working
with
the
association
to
develop
language
to
provide
that
clarification.
F
Section
10
removes
outdated
reference
language
and
some
existing
language
is
rephrased
by
clear
clarification
of
what
the
guarantee
association
requirements
are
in
providing
a
plan
of
operations.
Section
11
requires
the
commissioner
to
provide
the
association
a
copy
of
any
judicial
complaint
which
seeks
an
order
of
liquidation
against
a
member
insurer.
F
Section
12
extends
the
subrogation
rights
of
the
guarantee
association
of
our
cause
of
action,
which
the
insurance
install
insurer
would
have.
If
such
sums
have
been
paid
by
the
insolvent
insurer,
it
also
changes
the
guarantee
association's
rights
of
recovering
to
or
on
behalf
of
uninsured
of
an
insolvence
of
an
insolvent
insurer
to
only
those
insurance
whose
aggregate
net
worth
is
more
than
10
million
and
to
any
person
who
is
an
affiliate
of
an
insolvent
insurer.
F
This
section
also
and
adds
language
to
confirm
that
the
guarantee
association
is
recognized
as
a
claimant.
In
the
liquidation
estate
of
the
insolvent
insurer,
section
13
extends
the
type
of
payers
that
cannot
assert
an
action
against
an
insurer
and
are
required
to
file
their
barred
claims
directly
with
the
receiver
of
the
insolvent
insurer.
F
These
changes
are
being
requested
because
the
association
doesn't
currently
investigate
nor
receive
financial
mem
information
on
member
insurers
that
they
would
need
to
perform
these
functions.
It
also
allows
the
division
to
make
decisions,
for
example,
of
not
performing
an
examination
which
would
then
cost
an
insolvent
sure
even
more
money
before
we
take
them
to
the
to
the
court.
F
If
we've
already
done
an
examination
in
the
past
three
years,
section
16
expands
the
immunity
of
the
board
of
directors,
the
commissioner
or
the
representatives
of
the
commissioner
to
include
a
liability
for
failure
to
act.
Section
17
changes
the
time
frame.
An
action
will
be
stayed
to
allow
the
court
hearing
an
action
itself
against
an
insolvent
insurer
or
insolvent
policy
to
have
more
leeway
in
the
time
given
to
the
defendant
to
prepare
proper
defense.
F
This
section
also
mends
language
regarding
access
to
insolvent
insurers
records
to
ensure
that
the
association
has
access
to
insurance
or
the
insolvent
insurers
records
to
be
able
to
act
in
their
stead.
So,
lastly,
I
want
to
talk
about
an
amendment.
The
division
will
be
proposing
one
amendment
to
ab4.
We
were
contacted
by
the
nevada
justice
association
who
had
concerns
with
section
9f,
which
allowed
the
guaranty
association
to
review
settlements
between
the
insolvent
insurer
and
a
claimant
entered
into
within
12
months
before
the
order
of
liquidation
that
have
already
been
funded
and
paid.
F
Our
amendment,
proposed
by
the
nevada
justice
association
will
be
to
add
the
word
unfunded
to
the
first
sentence,
so
read,
it
is
not
bound.
It
is
not
bound
by
an
unfunded
settlement
release
compromise.
This
amendment
will
then
clarify
that
the
guarantee
association
cannot
change
or
claw
back
any
funds
or
settlements
that
have
already
been
paid
out
by
the
insurer.
A
Thank
you
so
much,
commissioner.
I
just
had
to
check
to
make
sure
I
wasn't
muted.
Let's
I
am
going
to
go
ahead
and
go
to
the
members
first
and
see.
If
any
members
have
questions,
I
will
start
with
assemblymember
kasama.
B
Thank
you,
chair
heartagey.
Thank
you.
So
much
for
the
presentation.
My
question
would
be:
let's
see
if
I
can
find
the
section
page
eight,
which
would
be
section
nine,
a
two
and,
and
you
I'm
sure
you
you
mentioned
or
or
touch
on
this,
my
my
question
is:
it
just
seems
like
such
a
large
amount
to
go
from
300
thousand
to
ten
thousand.
Could
you
just
comment
on
that
change?.
G
Sure
bob
watermark
executive,
director,
nevada
insurance
guarantee
association.
Thank
you
for
allowing
me
to
participate,
and
hopefully
I
can
provide
assistance
and
information
that
provision
works.
Similarly,
as
the
statute
contains
net
worth
exclusions,
which
basically
preclude
coverage
from
businesses,
primarily
that
may
not
need
to
fully
benefit
or
receive
funds,
and
this
provision,
which
would
reduce
the
the
unearned
premium
from
300
000
to
10
thousand,
is,
is
intended
to
act.
G
Similarly,
just
based
on
the
amount
of
the
premium,
a
business
that
has
a
premium
recovery
in
excess
of
ten
thousand
would
seem
to
be
equipped
to
handle
the
insolvency
similarly
to
the
to
the
exclusion
or
the
basis
for
including
net
worth
exclusions
and
they're.
Most
of
the
other
guarantee
associations
again
we're
trying
to
tailor
everything
to
the
model
languages.
Most
of
the
other
guarantee
associations
have
already
reduced
the
amount
of
that
provision
from
300
to
10
000.
C
Thank
you
chair
and
just
a
just
a
couple
of
quick
questions,
so
in
section
six
subsection
five,
I
just
see
that
we
are,
you
know
listing
out
what
insurance,
warranties
and
social
service
contracts
are,
and
I
know
you
briefly
went
through
this
in
your
overview,
but
if
you
could
just
help
me
understand
a
little
better.
How
we
came
to
this
list
is
that
simply
that
model
language.
G
Bob
luttermilk
again,
primarily
that
provision
is
o2o,
is
the
applicability
section
of
the
act
and
it
it's
basically
an
attempt.
The
provision
to
only
cover
direct
types
of
insurance,
so
items
that
are
within
the
credit
insurance
statute,
which
is
nrs,
690.015,
are
generally
excluded
or
the
act
shouldn't
apply
to
them
and
the
basis
would
be
there's
no
transfer
of
risk
or
they
involve
guarantees.
G
And
again
it's
not
a
direct
form
of
insurance,
and
the
item
that
you
mentioned
basically
relates
to
service
contracts
which
are
mentioned
or
referenced
in
nrs
690,
point
c.
C
Great
thank
you
for
that.
I
appreciate
it.
I
I
have
to
ask
just
out
of
pure
curiosity,
and
I
know
this
is
not
a
change.
That's
being
made,
it's
already
an
nrs
statute,
but
we
offer
ocean
marine
insurance
is
that
for
cruise
ships,
or
I
don't
think
we
have
a
whole
lot
of
marine
activity
in
the
state
of
nevada.
G
Yeah,
well
that
right
that
that's
one
that
would
be
that
excluded
as
applicable,
okay
got
it,
so
the
statute
wouldn't
apply
to
there.
C
C
A
Okay,
I
don't
see
any
other
questions.
An
assembly
member
told
answer
actually
answered
what
asked
one
of
my
questions,
which
is
great,
but
I
I
have
a
question
in
that
section
as
well
still
because
I
know
we're
adding
these
we're
adding
to
the
list.
Has
there
ever
been
any
claims
paid
out
through
the
guarantee
association
for
any
of
these
types
of
insurance
policies
that
are
now
newly
being
added
for
any
companies
that
want
insolvent.
A
A
B
I
Madam
chair
members
of
the
committee,
graham
galloway,
on
behalf
of
the
nevada
justice
association
once
again,
and
once
again,
I
initially
registered
for
the
hearing
as
an
opposition,
but
after
further
discussions
with
the
division
of
insurance,
as
well
as
the
guarantee
association,
the
amendment
came
to
fruition
that
we
asked
for
and
therefore
we
are
in
support
of
this
bill
and
again
we
extend
our
gratitude
to
the
division
of
insurance,
as
well
as
the
guarantee
association.
Thank
you,
madam
chair.
A
A
A
F
No
thank
you
very
much
for
hearing
our
testimony
today
appreciate
it.
A
Thank
you,
commissioner.
I
will
now
close
the
hearing
on
assembly
bill
4
and
move
to
our
next
agenda
item,
which
is
public
comment
before
we
go
to
this
agenda
item.
I
would
like
to
remind
those
president
that
the
period
for
public
comment
is
an
opportunity
to
discuss
general
matters
that
fall
within
the
purview
of
this
committee.
The
public
has
already
been
given
time
to
support
or
oppose
a
specific
legislation.
A
A
Thank
you
broadcasting.
If
we
could
just
wait
one
minute
to
give
anyone
who's
listening
over
the
internet
time
to
log
on
or
call
in.