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From YouTube: 4/23/2021 - Assembly Committee on Commerce and Labor
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C
A
A
A
The
the
public
is
strongly
encouraged
to
submit
written
testimony
in
advance
of
the
meeting
by
emailing
the
assembly
committee
on
commerce
and
labor
members
and
people
who
are
present.
Please
remember
to
silence
your
electronics
members
who
are
watching
and
hear
present.
Please
note
that
committee
members
are
using
electronics
to
view
exhibits
and
to
view
bills.
It
is
not
a
sign
of
disrespect
or
in
attention
presenters
on
zoom.
A
Please
remember
to
be
muted
at
all
times,
unmute
yourself
to
speak
and
then
promptly
mute
yourself
when
you
are
done
and
if
you
could
please
keep
your
cameras
on.
That
is
the
only
way
we
can
see
you
on
zoom.
Thank
you,
everyone
and,
let's
begin
with
our
agenda.
We
have
a
short
agenda
today,
two
items
that
we
will
be
taking
out
of
order.
I
see
our
first
presenter
is
already
here
and
so
welcome
senator.
A
C
Thank
you
so
much
madam
chair,
and
it
is
always
a
pleasure
to
come
back
and
visit
the
assembly,
and
I
see
some
really
wonderful,
familiar
faces
that
I
haven't
seen
in
the
building.
Yet
thank
you,
chair
hatagi,
for
the
record,
I'm
maryland
on
daryl
loop,
representing
senate
district
8
in
clark
county
and
I'm
pleased
to
present
senate
bill
248,
which
seeks
to
assist
consumers
during
the
collection
of
medical
debt.
C
C
Studies
estimate
that
as
many
as
7.7
million
workers
lost
their
jobs
with
employer-sponsored
insurance
because
of
the
pandemic-induced
recession,
the
employer
sponsored
insurance
of
these
workers
covered
6.9
million
dependents
for
a
total
of
14.6
million
affected
individuals.
However,
even
pre
pandemic,
almost
42
percent
of
nevada
households
were
not
covered
by
an
employer-sponsored
insurance
plan.
According
to
the
urban
institute,
21
of
nevada's
population
have
some
form
of
medical
debt
in
collections
for
communities
of
color.
It
is
26
for
these
reasons
and
others.
It
is
necessary
that
we
implement
protections
for
consumers
with
medical
debt
in
nevada.
C
Soon
time
will
tell
how
many
job
losses
are
ultimately
permanent,
resulting
in
the
loss
of
employer-sponsored
insurance
for
workers
and
their
dependents
character.
Before
we
discuss
the
provisions
of
the
bill,
I
would
like
to
turn
the
presentation
over
to
ms
romero
and,
I
believe,
miss
bortland's.
He
is
in
the
audience
with
us,
but
miss
romero
is
going
to
do
this
part,
and
I
would
like
her
to
discuss
with
you
the
need
for
senate
bill
248.
A
A
A
D
A
E
Thank
you
good
morning,
chair
vice
chair
and
members
of
the
committee
for
the
record
and
as
senator
dendera
loop
stated,
my
name
is
sophia
romero
and
I'm
a
staff
attorney
in
the
consumer
rights
project
at
legal
aid
center
of
southern
nevada.
Thank
you
for
the
opportunity
to
help
present
here
today.
Before
I
walk
through
the
bill,
I
would
like
to
thank
senator
dandara
luke
for
bringing
this
very
important
piece
of
legislation.
E
This
bill
will
be
a
much
needed
addition
to
nevada
law
and
not
only
will
help
people
who
are
currently
facing
medical
debt
collection,
but
will
help
countless
others
going
forward.
As
we
see
the
results
of
the
pandemic
unfold
in
my
role
helping
low
income,
the
low
income
population
of
clark,
county
debt
collection
is
an
everyday
occurrence.
E
There
are
times
when
the
client
has
an
insur
has
insurance,
but
is
still
being
sued
by
a
debt
collector
on
the
debt
due
to
billing
errors,
for
which
the
client's
not
responsible
other
times
the
client
is
being
sued
by
a
debt
collector
well
past.
The
statute
of
limitations
for
services
that
occurred
years
ago.
Finally,
and
perhaps
most
egregiously
is
when
the
client
has
medicaid
and
is
still
being
sued
in
a
practice
known
as
balance
billing,
which
is
strictly
prohibited,
but
these
clients
are
the
lucky
ones.
E
These
are
the
clients
that
I
get
to
help
because
the
debt
collector
is
clearly
doing
something
wrong
that
is
prohibited
by
statute.
These
are
the
people
that
I
get
to
tell
don't
worry.
I
can
help
you,
but
there
are
so
many
others,
so
many
who
don't
know
that
legal
aid
exists,
who
maybe
don't
have
a
defense,
but
nonetheless
just
can't
afford
to
pay.
This
is
where
sb
248
comes
in.
E
One
practice
that
sp248
seeks
to
eliminate
is
debt
collectors,
taking
note
taking
what
is
known
as
a
confession
of
judgment
against
someone
with
an
outstanding
medical
debt.
Oftentimes
consumers
will
go
to
the
debt
collection
office
to
set
up
a
payment
plan.
The
collection
agency
will
say
that
they
have
to
sign
the
document
which
contains
the
payment
schedule.
People
sign
this
thinking
they
are
entering
into
a
payment
arrangement
and
having
no
idea
what
they
actually
just
signed.
E
Then
if
they
are
even
one
day
late
and
in
some
instances
when
they
have
never
been
late,
but
a
clerical
error
has
occurred,
the
confession
of
judgment
is
filed
with
the
court.
This
confession
of
judgment
has
the
same
effect
as
if
a
court
had
found
in
favor
of
the
debt
collector
and
means
that
the
debt
collector
can
now
begin
glitching
wages
and
taking
other
collection
actions
against
that
debtor.
With
a
judge
having
you
have
never
even
seen
the
case.
E
E
All
based
on
collection
fees
and
costs,
even
when
the
consumer
enters
into
a
confession
of
judgment
once
that
judgment
is
entered,
fees
are
charged.
Turning,
for
example,
a
2800
debt
into
a
7
000
debt.
Now
these
are
cases
where
not
even
a
complaint
was
drafted
literally
just
the
piece
of
paper
that
they
signed
in
the
debt
collector's
office
was
filed
with
the
court
and
that
debt
turned
from
2800
into
seven
thousand
dollars.
E
These
abusive
debt
collection
practices
are
the
practices
that
sb
248
intends
to
regulate.
This
bill
only
applies
to
debt
collectors
and
does
not
change
the
practices
or
rights
of
hospitals
and
other
medical
providers.
It
does
not
conflict
or
change
anything
in
nrs,
chapter
449,
449a
or
621,
as
those
statutes
only
apply
to
providers
and
not
debt
collectors.
E
Furthermore,
the
protections
that
sb
248
would
put
in
place
are,
in
addition,
in
addition
to
the
federal,
fair
debt
collection
practices,
act
which
focuses
on
behavior
and
transparency
and
does
not
regulate
the
amounts
of
the
debt
that
debt
collectors
can
charge.
With
that,
I
will
walk
through
the
bill.
E
Sb
248
is
a
fairly
simple
and
straightforward
bill
sections
one
through
six
contains
contain
the
definitions.
Section
seven
talks
about
notice.
This
section
requires
a
collection
agency
to
give
notice
at
least
60
days
before
to
the
to
the
debtor
at
least
60
days
before
taking
any
action
to
collect
the
medical
debt.
The
60-day
period
allows
time
for
the
patient
to
go
back
to
the
provider
or
insurance
to
to
investigate
and
determine
if
they
actually
are
able,
if
they
actually
owe
this
amount
of
money.
E
The
written
notice
provided
by
a
debt
collector
to
a
person
who
owes
a
medical
debt
must
include
the
name
of
the
health
care
provider,
medical
facility
or
provider
of
emergency
services
that
provided
the
goods
or
services
for
which
the
medical
debt
is
owed
and
the
date
when
the
goods
or
services
were
provided
again.
This
is
all
information
so
that
the
debtors
can
go
back
and
make
sure
that
this
debt
is
actually
valid
and
that
they
actually
do
owe
it.
E
The
proposed
amendment,
which
has,
I
believe,
been
uploaded
to
nellis,
has
removed
paragraphs
c
and
d
of
section
seven
and
has
removed
subsection
two
of
that
section.
As
subsection
two
was
just
a
definition
for
a
term
that
was
used
in
paragraph
d,
I
believe
either
c
or
d,
and
we
remove
those
paragraphs
as
it
might
cause
confusion
to
some
consumers.
E
Section
8
prohibits
a
collection
agency
or
its
manager,
agents
or
employees
from
engaging
in
certain
practices
relating
to
the
collection
of
medical
debt,
including
taking
any
confession
of
judgment
or
any
power.
Turning
running
to
the
collection
agency
or
to
a
third
party,
to
confess
judgment
or
to
appear
for
the
debtor,
in
a
judicial,
proceeding,
commencing
a
civil
action
to
collect
the
medical
debt.
E
Here
we
did
actually
introduce
another
sentence
into
the
amendment,
just
to
clarify
that
nothing
in
this
bill
prevents
a
debt
collector
that
is
suing
for
less
than
ten
thousand
dollars
from
filing
a
small
claims
action.
So
we
are
not
taking
away
any
right
to
file
and
small
claims
here.
E
We
are
just
making
sure
that
if
the
matter
qualifies
for
small
claims,
it's
filed
in
small
claims,
and
it
also
prevents
the
debt
collector
from
charging
or
collecting
a
fee
of
more
than
five
percent
of
the
amount
of
the
medical
debt,
excluding
attorneys
abuse
collection
costs,
interest,
late
fees
and
any
other
fees
or
costs
as
a
collection
fee
or
as
an
attorney
fee
for
the
collection
of
the
medical
debt.
A
Thank
you,
mr
romero.
Senator
I
believe
was.
C
A
F
Chair,
if
I
could
very
quickly,
I
do
want
to
just
start
by
emphasizing
that
the
amendment
that
you
have
in
nellis
on
section
8,
miss
romero,
did
cover
this.
But
there
was
just
some
confusion.
The
intent
of
that
section
and
the
way
that
it
is
drafted
legally
and
technically
does
require
that
an
amount
of
debt
less
than
10
thousand
dollars,
go
to
the
appropriate
jurisdiction,
which
is
small
claims
court,
because
that
people's
court
is
set
up
so
that
excessive
fines
and
fees
and
attorneys
costs
and
those
things
don't
get
added
to
cases.
F
The
confusion
that
some
of
the
stakeholders
had,
which
is
very
valid
if
you
don't
live
and
breathe
in
this
world,
is
that
a
civil
action
is
separate
and
distinct
from
a
small
claims
action.
So
there
were
people
who
read
that
to
mean
that
we
were
saying
you
couldn't
collect
any
debt
less
than
ten
thousand
dollars,
but
that
was
just
a
small
legal
technicality
that
a
civil
action
and
a
small
claims
action
are
two
different
types
of
actions
so
that
access
to
a
small
claims
action
was
never
restricted.
F
G
Thank
you,
madam
chair.
I
just
have
a
couple
of
clarifying
questions.
Wrapping
my
head
around
the
amendment
so
essentially
what's
left
is:
we've
got
a
60
days
notice
and
then,
in
section
8
we
have
that
the
collection
agency
shall
not
take
any
confession
of
judgment,
commence
a
civil
action.
G
However,
they
can
still
commence
the
take
a
an
action
to
the
small
claims
court
for
less
than
ten
thousand,
and
so
really
what
we
have
left
is
again
sixty
day
notification
and
that
they
shall
not
charge
or
collect
a
fee
of
more
than
five
percent.
That's
really
the
meat.
That's
left,
as
I
read
it,
and
how
much
do
we
know
if
we
had
had
any
kind
of
cap
on
the
amount
that
they
could
collect
before?
G
F
Bailey
bortlen
for
the
record
I'll
ask
sophia
romero
to
speak
to
that.
I
think
we
believe
that
these
are
best
practices
and
we
are
seeing
these
put
in
place
in
other
legislatures
as
well,
particularly
because
of
the
pandemic,
but
we
do
also
have
a
very
long
list
of
egregious
cases
that
we
see
right
where
this
would
be
a
drastic
change
from
some
of
the
more
predatory
practices
that
we
do
see
so
I'll.
Have
mr
merrill
speak
to
that.
E
Thank
you,
sophia
romero,
for
the
record
through
the
chair
to
assemblywoman
tools.
So
there
is
no
current
cap
in
place
on
the
amount
of
collection
fees
or
attorneys
fees
that
can
be
charged
in
these
type
of
cases.
E
Again,
with
some
of
the
examples
we've
seen,
a
200
debt
do
turning
to
a
1400
debt,
and
that
is
I
I
haven't
done
the
math
specifically,
but
that's
well
over
a
few
hundred
percent
of
the
amount
of
the
debt
contracts.
E
Debt
collectors
can
typically
anywhere
charge
from
fifty
percent
to
a
hundred
percent
of
the
amount
of
the
debt,
and
what
we're
really
trying
to
do
is
really
bring
that
down,
so
that
people
actually
have
a
chance
to
be
able
to
pay.
These
dollar
amounts
back.
E
If
your
debt
is,
you
know,
200,
then,
and
now,
all
of
a
sudden,
you
owe
1400
it's
much
more
likely
that
you'd
be
able
to
pay
the
200
and
actually
get
out
of
that
debt
than
you
would
when
it's
1400,
and
now
you
are
burdened
by
that
those
extra
fees
and
and
that's
all
they
are-
is
fees
they're,
not
actual
principal.
G
If
you
do
have
any
data
on
that,
that
would
be
very
helpful
to
see
just
where
we
stand
versus
other
states
in
regards
to
cap
no
cap
and
what
the
amount
is,
if
that's
possible,
and
a
second
question,
if
I
made
just
clarifying
so
we've
taken
out
of
section
seven,
the
references
to
the
third
party,
but
we
still
kept
in
section
eight
subsection,
one
that
a
collection
agency
shall
not
take
any
confession
of
judgment
or
any
power
of
attorney,
running
or
sorry
power
of
attorney
running
to
the
collection
agency
or
to
any
third
party,
to
confess
judgment.
E
Sophia
romero,
if
I
may
so
this
actually
is
so
this
is.
This
is
not
a
third
party.
This
is
a
third
person.
So
what
this
is
saying
is
that
they're
saying
that
you
cannot
have
as
the
debt
collection
agency,
you
cannot
have
a
debtor
sign
over
a
confession.
Excuse
me
sign
a
power
of
attorney,
giving
the
debt
collector
or
a
third
person,
so
somebody
you
know.
Let's,
for
example,
say
the
debt
collector
or
the
debt
collector's
attorney.
You
can't
get.
E
G
E
Again,
sophia
romero
for
the
record,
madam
chair,
for
you
to
the
assembly
woman.
This
only
affects
the
essentially
bars
a
debt
collection
agency
from
requiring
a
person
to
sign
a
power
of
attorney
and
giving
the
debt
collection
agency
or,
for
instance,
for
example,
their
attorney
a
third
person
right
to
a
powerful
attorney
over
the
debtor.
H
Thank
you
very
much,
madam
chair,
so
in
looking
at
this
gosh
I
wish
I
would
have
had
that.
60
days
a
number
of
years
ago
my
daughter
was
ill
and
we
had
to
take
care
of
a
lot
of
her
medical
bills
and
ran
up
against
a
number
of
barriers.
H
They
ended
up
going
to
collection
because
they
had
because
the
deductible
had
not
been
paid
in
the
in
the
sequential
order
that
it
needed
to
be
paid
in.
So
it
was
a
a
bureaucratic
mess
that
took
us
a
while
to
straighten
out,
but
because
we
were
straightening
it
out.
She
ended
up
in
the
the
the
collection
position.
H
So
I
and
one
of
the
things
I
found
out
in
that,
is
that
the
the
the
providers
hospital
ambulance
company,
whoever
it
is,
will
actually
sell
that
debt
to
someone
else
for
possibly
pennies
on
the
dollar.
H
H
I'm
just
wondering
is:
was
that
a
one-off
as
or
is
that
the
typical
way
that
they
do
business
and
I've
also
been
told
that
some
hospitals
will
actually
have
their
own
collection
companies
so
that
they
can
turn
the
debt
over
to
the
collection
company?
Take
the
right
off
but
still
get
the
dollars
from
the
patient
on
the
other
side?
H
E
Run
sofia
romero
for
the
record
through
you,
madam
chair
to
assemblywoman
carlton,
you
are
100,
absolutely
correct.
This
debt
is
sold
for
pennies
on
the
dollar
and
each
time
it's
sold,
there's
a
phenomena
called
zombie
debt,
and
so
the
original
provider
of
services
will
sell
it
to
debt
collector
a
who
will
sell
it
to
debt
collector
b,
who
will
sell
it
to
debt,
collector
c
and
so
on
and
so
forth,
and
each
time
that
it's
sold
the
purchase
price
is
lower
and
lower.
E
E
This
was
a
concern
brought
up
on
the
senate
side
as
well.
Senator
neil
also
brought
up
the
fact
that
these
debts
are
sold
for
pennies
on
the
dollar
and
then
the
debtor
is
still
on
the
hook
for
the
entire
amount
of
the
debt
and
so
again
as
they're
sold
on
continuously
the
amount
that
they're
purchased
for
goes
down
and
down,
but
the
amount
of
the
debt
gets
higher
because
you
have
now
either.
E
First
of
all,
there
was
the
principal
balance,
which
is
you
have
to
pay
that
in
full.
But
now
there
are,
you
know:
multiple
debt,
collection
fees,
late
fees,
any
type
of
interest
any
of
those
type
of
things,
and
so
the
debt
keeps
going
up
when
the
amount
that
the
debt,
the
debt
buyers
or
debt
collectors
are
purchasing
it
for
is
actually
going
down,
so
the
margin
if
they
are
actually
able
to
collect
in
the
end
the
margin
of
profit
is
much
greater
than
it
would
have
been.
E
As
far
as
your
second
example
with
the
in-house
collection.
Yes,
once
these
go
to
debt
collectors
and
debt
buyers,
they
are
written
off
the
books
and
they
do
get
a
tax
credit
for
that,
and
I
have
heard
of
certain
providers
or
hospitals.
E
Essentially,
having
their
own
kind
of
captive
debt
collector,
and
I
believe
that
those
two
examples
that
you
gave
were
were
spot
on
and
that
does
occur.
H
E
The
problem
is,
if
you
don't
know
that
the
medical
debt
statute
limitations
is
four
years
because
in
nevada
we
think
of
all
contracts
as
being
a
six-year
statute
limitations.
That's
our
that's
our
big
statute
limitations.
Everybody
knows
contracts
are
six
years,
and
so,
if
you
don't
know
that
medical
debt
is
a
four-year
statute
of
limitation,
then
and
and
you
get
a
debt
collection
letter,
if
you
go
ahead
and
make
a
payment
on
that,
you
have
just
restarted
your
statute
of
limitations.
E
So
if
you
try,
if
you
all
of
a
sudden,
let's
say
you
moved
and
didn't
get
the
initial
letter,
and
you
know
all
of
a
sudden.
Finally,
four
and
a
half
years
later,
they
they
find
you
and
you
you
call
them
up,
and
you
say,
oh
I
didn't
know.
I
owe
this
debt.
Can
I
make
a
payment?
You
know
because
they
they
will
harass.
You
pay
me
a
hundred
dollars.
I
can't
afford
that
pay
me
fifty
dollars.
B
Cheer,
I
was
just
wondering:
is
it
possible
that
there's
a
conflict
here
with
the
60
days
because
in
nrs
449.757
it
says
hospitals
can
begin
collecting
in
30
days.
E
Sophia,
remember
for
the
record,
through
you,
madam
chair,
to
the
assemblywoman
that
statue
no
longer
is
it
exists
and
hasn't
existed
for
some
time.
I
noticed
that
myself
that
it
was
included
in
that
letter,
but
it's
not
in
the
current
nrs
that
I
could
find
a
couple
of
attorneys
from
our
office
we're
looking
for
that.
That
doesn't
exist.
E
What
I
believe
they
were
trying
to
get
to
and
what
I
believe
there
was
some
renumbering
done
with
the
statutes
going
all
the
way
back
to
2007
and,
I
think,
maybe
again
in
2011.,
but
I
think
what
that
is
getting
to
is
hospitals.
Hospitals
are
not
allowed
to
charge
interest
on
a
debt
until
30
days
after
they
have
billed
the
insurance
because
they
want
the
insurance.
The
the
statute.
E
The
point
of
the
statute
was
to
give
the
insurance
30
days
to
pay,
and
if
somebody
is
waiting
for
their
insurance
to
make
a
payment,
they
shouldn't
be
being
charged
interest.
This
has
absolutely
zero
effect
on
that.
This
is
once
the
debt
has
left
the
hospital
right,
so
the
hospital
can
start
charging
interest
after
30
days
once
the
debt
has
left
the
hospital
and
now
has
been
sold
to
a
debt
collector
or
a
debt
buyer.
E
When
that
debt
buyer
reaches
out
to
that
debtor,
they
have
to
give
them
now
60
days
notice
before
they
take
any
type
of
collection
action.
So
that's
saying:
hey
we
own
your
debt.
Now
you
need
to
you
have
60
days
from
the
date
of
this
letter
to
figure
out
what's
going
on
here,
so
that
you
can
take
either
the
appropriate
steps
to
make
a
payment
or
to
figure
out
a
payment
plan
or
to
dispute
this
debt.
Saying
that
it's
not
it's!
No,
it's
not
valid
that
you
don't
actually
owe
it.
E
So
that
is
a
completely
separate
set
of
statutes
that
has
this
has
no
bearing
on
chapter
449
at
all.
This
only
applies
to
debt
collectors,
and
this
only
applies
after
the
hospital
has
either
written
off
the
debt
or
sold.
It
well
actually
same
thing,
but
it's
after
the
hospital
has
already
gotten
rid
of
the
debt,
and
it's
now
in
the
hands
of
a
debt
collector
that
this
would
apply.
It
has
nothing
to
do
with
the
30-day
waiting
period
for
hospitals
to
begin
charging
interest
on
a
bill.
A
Think-
and
I
just
I
want
to
jump
in
really
quick
because
ms
romero,
when
you
say
debt
collectors,
you
specifically
mean
like
collection
agencies,
correct,
like
thank
you.
Yes,
assemblymember
dickman
did
you
have
a
follow
up.
B
E
Sophia
romero
for
the
record
through
you,
madam
chair
to
the
assembly
woman,
if
you
owe
more
than
ten
thousand
dollars
and
the
case
can
be
filed
in
justice,
court
of
the
appropriate
jurisdiction,
so,
for
instance,
north
las
vegas,
justice
court,
las
vegas
justice
corps,
reno
justice
court,
any
any
type
of
justice
court,
they
would
have
jurisdiction.
Okay,
thank
you.
B
B
E
Sophia
romero
for
the
record,
threw
you,
madam
chair
to
the
assembly
woman.
The
reason
that
was
taken
out
was
it
was
a
concern
raised
that
by
the
stakeholders
that
they
that
consumers
might
be
confused,
because
by
the
time
a
bill
has
gotten
to
a
debt
collector,
usually
the
time
frame
for
billing
insurance
or
for
resubmitting
a
complaint.
A
claim
may
have
closed
and
I
believe
I
I
tried
to
get
clarification
from
this
from
the
stakeholder
and
I
didn't
get
an
exact
answer.
E
I
believe
the
same
would
be
true
with
subsection
d,
where,
if
for
hospitals
that
have
like
nonprofit
hospitals,
for
instance,
that
have
financial
assistance
programs,
I
believe
that
that
once
it's
been
turned
over
to
a
debt
collector
that
window
for
any
assistance
or
any
additional
insurance
bill.
Billing
might
have
been
closed.
I
again
did
not
get
a
specific
answer
on
that,
but
this
these
changes
were
made
in
direct
response
to
concerns
raised
by
stakeholders.
F
Bailey
bordelin,
if
I
could
add
to
that,
we
worked
with
the
hospitals
on
that
piece,
and
so
some
of
there's
there's
multiple
hospital
associations.
But
mr
wadams
worked
with
us
on
this,
and
I
think
some
of
the
concern
was
that
this.
This
does
not
change
when
the
hospital
is
giving
you
that
information
on
the
front
end.
So,
of
course,
that's
still
very
important
in
that
initial
collection
process.
F
It's
just
when
we're
in
chapter
649,
so
once
it's
been
bought
and
sold,
and
what
the
debt
collector
has
to
provide
currently
is
not
a
whole
lot
of
information.
So
we
have
debt
collectors
who
will
not
be
upfront
about
where
they
got
this
debt
or
what
this
debt
is
or
where
it
came
from,
and
so
just
providing
people
with
more
notice
that
this
is
from
this
hospital
when
this
happened,
so
they
at
least
know
why
you're
coming
after
them
will
bring
some
of
that
clarity,
but
the
hospitals
were
concerned
and
I'll.
F
B
Okay,
so
if
you
have
an
end
follow-up,
thank
you
chair.
If
you
have
an
instance
of
insurance
was
billed
you
have
co-pay
left
over
right,
even
if
it's
a
few
hundred
dollars
that
you're
not
aware
of
it,
gets
sent
to
collections
they're
trying
to
collect
six
months
a
year
later,
the
patient
no
longer
has
that
insurance
doesn't
have
that
information.
B
F
Yeah
bailey
borderlin
for
the
record.
I
do
believe
that
will
all
happen
when
the
hospital
is
negotiating
with
the
patient,
because
the
hospital
will
make
efforts
to
collect
and
will
try
to
set
up
payment
plans,
and
so
there's
there's
still
that
transparency
in
that
process
happening
there
and
it's
only
at
a
later
date
when
they're
selling
it
to
the
debt
collector.
So
the
hospital
is
removed
from
the
situation
and
no
longer
a
party
to
the
debt.
Essentially.
B
F
Bailey
bortle
in
for
the
record,
so
small
claims
court
is
a
bit
more
informal,
but
the
jurisdictional
amount
currently
for
anyone
to
be
able
to
access
small
claims
court
is
ten
thousand
dollars,
so
it
could
be
five
dollars.
It
could
be
nine
thousand
dollars
anything
under
ten
thousand
dollars.
People
can
go
use
small
claims
court,
some
of
the
protections
are
built
into
that
is
that
attorneys
fees
can't
be
tacked
on
to
it.
F
B
Okay
and-
and
that
was
my
other
going
through
my
thought
process
is,
since
you
can't
add,
attorneys
fees
a
lot
of
times
attorneys
don't
want
to
do
small
claims,
so
then,
at
that
point
the
provider,
whoever
it
is
they
would
have
to
pursue
this
them
themselves,
then,
for
anything
under
ten
thousand
correct.
F
Bailey
borderland
for
the
record.
Thank
you
for
the
question.
It
doesn't
necessarily
have
to
be
you,
so
we
often
see
in
small
claims,
court
property
managers
appearing
on
behalf
of
landlords
right,
so
you
can
appear
on
behalf
of
someone
else.
You
can
have
someone
in-house
in
your
company
in
your
agency.
You
could
hire
someone
to
go,
but
attorneys
fees
couldn't
be
charged
for
that
person's
services.
J
J
How
did
why
does
60
days
still
I
mean
I
know
when
I
owe
money
to
somebody
so
you're
going
to
send
me
a
letter
and
which
is
the
second
part
of
the
question
is
just
one
letter:
how
do
where's
the
verification
that
I
received
the
letter?
Could
that
be
an
argument
proposed
by
the
debtor
to
protect
themselves
that
I
never
got
it?
I
never
saw
it
or
whatever
I
moved
type
of
thing,
so
it's
a
two-part
there.
F
F
F
It
allows
you
the
breathing
space,
to
figure
out
what
happened
and
to
try
to
go
back
and
make
a
plan
and
connect
the
dots,
because
this
has
been
sold
to
a
new
agency.
That
agency
doesn't
answer
your
questions
about
what
happened.
What
went
wrong
here
was
my
insurance
billed
right,
and
so
it's
giving
you
the
space
to
be
able
to
have
a
path
forward,
but
I
think
mr
romero
could
speak
to
some
examples
of
where
we
would
see
that
be
helpful
as
well.
E
Sophia
romero
for
the
record
through
you,
madam
chair
to
the
assemblyman,
I
actually
really
like
the
idea
of
having
debt
collectors
send
the
notice
via
certified
mail.
We
did
not
consider
that
option
because
we
did
not
want
to
have
them
incur
any
additional
costs
because
of
this
mailing
on
the
on
the
bill.
But
actually
that
is
a
very
good
point.
E
It
probably
should
be
certified,
because
then
they
have
proof
that
the
that
the
debtor
received
it
and
because
you
know
on
the
flip
coin
of
it,
they
can
always
say
they
sent
it
and
you
know
and
print
off
a
piece
of
paper
and
keep
that
in
the
file
and
never
actually
put
it
in
the
mail.
So
so,
yes,
some
type
of
proof
would
be
nice,
but
then
for
to
to
kind
of
give
your
example
again
with
assembly,
woman,
carlton's
example.
E
For
instance,
let's
say
this:
this
has
even
happened
to
me.
Personally,
you
know
I,
with
my
first
child,
I
you
know,
went
to
the
hospital.
Had
the
baby
came
home
and
paid
my,
I
paid
my
co-pays
and
everything
up
front.
You
know
because
they
know
how
much
year
20
is
or
whatever
so
I
paid
all
my
hospital
bills
up
front
and
then
two
years
later
I
think
my
son
was
two
or
three.
E
I
got
a
collection
call
saying
that
I
owe
the
hospital
money
and
I
didn't
understand
why
and
apparently
they
had
been
trying
to
bill
me
under
the
incorrect
last
name.
They
had
my
maiden
name
and
not
my
married
name
and
I
had
moved.
We
had
moved
a
couple
times
and
all
of
a
sudden
I
was
in
collections
and
because
I
am
extremely
ocd
about
my
credit
report.
I
immediately
you
know
called
up
and
and
paid
it,
but
you
know
I
had
to.
E
I
had
to
call
and
check
with
the
hospital
and
say
what
happened.
You
know
I
paid
up
front,
why?
Why
did
this
all
go
through
so
I
mean
it
happens?
It
happens
to
people
and
it
can
happen
to
any
of
us,
and
that
is
just
kind
of
one
example
of
why
that
60-day
window
is
is
really
nice,
because
then
you
can
have
time
to
contact
your
insurance
and
did
I
really
owe
this
money
or
you
know,
contact
the
hospital
and
say
hey
what
happened?
I
paid
you
up
front.
Why
did
this?
J
I,
like
the
response
you
help
me
out,
so
the
discussion
I
would
have
during
that
60
days
is
back
with
my
insurance
or
the
hospital
itself
and
if
I
clarified
it,
as
you
said,
miss
romero
they
had
billed
you
incorrectly
under
the.
I
forget,
if
you
said
your
maid
name
or
your
married
name,
which
you
were
going
by,
does
the
debt
is
the
fees
by
the
debt
collector
then
forgiven
and
it's
as
we
used
to
say
all
good.
J
E
Sophia
romero
for
the
record
through
you,
madam
chair
to
the
assemblyman,
that's
that's.
I
have
to
give
a
lawyer
answer
here
and
really
that
is
it
depends.
It
depends
on
the
collection
agency.
It
depends
on
their
internal
practices,
it
depends
on
who
you
get
on
the
phone
and
if
they
want
to
work
with
you
or
they
don't
want
to
work
with
you
doing
what
I
do
for
a
living
as
a
consumer
rights
attorney,
I
did
not
have
to
pay
any
fees.
I
cannot
say
that
that's
true
for
everyone.
E
I
I
wish
that
that
were
true
for
everyone,
but
you
know
we
wouldn't
have
to
bring
legislation
like
this
and
and
be
here
today
if
it
were
true
for
everyone.
So,
in
my
personal
example,
no,
I
did
not
have
to
pay
any
fees.
Do
other
people
have
to
pay
fees
extremely
likely.
A
A
I
I
J
Good
morning,
chair
and
remember:
well,
I
guess
this
afternoon
now
so
good
afternoon.
Members
of
the
committee,
my
name,
is
tess
opfurman.
Speaking
on
behalf
of
the
nevada
women's
lobby,
that's
called
o
o-p-f-e-r-m-a-n.
We
want
to
thank
the
senator
and
legal
aid
for
bringing
forward
such
an
important
bill.
Medical
expenses
are
incredibly
high
in
the
united
states,
even
with
insurance
coverage.
Roughly
20
percent
of
nevadans
have
some
form
of
medical
debt.
That
is
one
in
five
people.
J
Low-Income
individuals
may
struggle
to
pay
their
medical
expenses,
so
they
don't
pay
them,
and
then
these
bills
become
increasingly
more
expensive,
creating
a
dangerous
downward
cycle,
so
medical
debt
needs
to
be
paid.
There
also
needs
to
be
some
protections
to
ensure
we
are
not
costing
low-income
families
extraordinarily
high
amounts
on
top
of
their
original
medical
expenses.
This
is
a
critical
consumer
protection
bill.
We
urge
your
support
and.
I
L
Thank
you.
This
is
michael
kind,
m-I-c-h-a-e-l
last
name
kind,
k-I-n-d,
I'm
an
attorney
a
consumer
attorney
here
in
las
vegas,
and
I
echo
everything
that
ms
romero
said
as
things
that
we
see
routinely
in
our
firm
every
day
and
particularly
when
it
comes
to
the
abuses
in
connection
with
small
dollar
amount
loans
of
medical
debts,
where
we
see
the
collection
fees,
50,
100
or
more
than
that,
and
the
the
only
thing
I
would
add.
L
On
top
of
that
is
that
the
countless
times
I
see
or
I
hear
from
potential
clients
where
they
reach
out
and
the
first
notice
that
they
received
to
inform
them
that
they
had
these
medical
bills
that
were
unpaid,
would
be
to
summons
and
complain,
and
at
that
point
they
have
a
very
short
deadline
to
appear
in
court.
So
this
is
a
big
problem
and
I
really
support
this.
Thank
you
very
much.
I
K
K
So
you
know,
I'm
sure
covid
and
its
economic
consequences
have
most
likely
made
this
worse.
So
this
bill
is
coming
at
the
perfect
time
and
we
highly
encourage
you
to
support
it.
Thank
you
for
your
time.
A
A
A
Thank
you,
mr
lewis,
can
we
go
to
the
telephone
line
for
those
wishing
to
testify
in
opposition.
I
M
M
This
bill
just
recently
came
to
our
attention,
and
so
we
took
a
look
at
it
because
we
have
many
business
members
in
this
chamber
who
are
medical
providers.
Unfortunately,
it
appears
this
bill
still
needs
some
work.
This
bill
would
hurt
those
members
who
fall
into
the
definitions
of
medical
facilities
and
providers
of
emergency
medical
services.
M
These
medical
businesses
rely
on
collecting
their
accounts,
receivable
it's
how
they
pay
their
employees,
it's
how
they
pay
their
rent,
it's
how
they
make
a
living
and
support
our
community.
These
medical
providers
take
care
of
us
when
we
need
them
and
if
they
can't
collect
on
their
valid
debt,
valid
debts,
guess
what
happens.
M
They
lay
off
employees
and
eventually
go
out
of
business.
We
need
more
medical
providers
in
our
community,
not
less
this
bill
as
written
is
a
slap
in
the
face
to
these
medical
businesses,
legitimate
medical
businesses,
and
it's
just
bad
policy.
They
shouldn't
be
punished
for
trying
to
charge
and
collect
for
their
medical
services.
M
My
fear
is
that
this
bill
and
bills
like
this
will
cause
significant
harm.
In
many
ways
it
will
drive
up
the
cost
of
medical
care.
It
will
place
a
financial
burden
on
medical
providers
and
eventually
drive
medical
professionals
out
of
our
community.
Sometimes
well-intended
bills,
just
don't
work.
This
appears
to
be
one
of
them.
Thank
you,
chair
and
committee
members
for
allowing
me
the
time
to
speak.
H
Thank
you
very
much,
madam
chair,
and,
and
thank
you,
mr
guzman,
for
being
here.
I
guess
I'm
just
a
little
bit
confused,
because
the
providers
will
still
be
able
to
sell
their
debt
to
the
collection
agencies.
H
So
I
I'm
not
sure
if
there's
a
misunderstanding
as
what
the
definition
of
medical
providers
is.
H
M
Well,
from
what
I
heard
from
the
provider
this
bill,
this
bill
would
just
make
it
more
difficult
for
them
to
do
to
rely
on
the
collecting
of
their
accounts
receivable.
So
I
think
there
is
some
confusion
that
maybe
maybe
that
needs
to
be
cleared
up,
but
I
can
tell
you
this:
I
have
not
out
of
all
the
members
in
all
the
years
that
this
chamber
has
existed.
M
We
we
don't
get
complaints
from
people
saying
that
they're
getting
mistreated
by
debt
collectors
or
or
or
things
that
they
legitimately
feel
that
they
owe
including
medical.
You
know,
charges
for
medical
services.
H
And
madam
chair,
thank
you
very
much
and
mr
guzman
were
you
able
to
air
your
concerns
on
the
senate
side,
or
did
this
come
to
you
aft?
After
the
senate,
work
had
been
done.
H
M
A
Thank
you,
mr
guzman,
and
for
the
secretary
that
was
mr
peter
guzman
from
the
latin
chamber
of
commerce.
Answering
questions.
Okay
broadcasting!
Can
we
go
to
our
next
caller
in
opposition.
I
I
N
N
Our
members
represent
creditors
before
all
courts
of
the
state
of
nevada
from
main
street
to
wall
street
small
claims
as
well
to
this
nevada
supreme
court
on
the
ninth
circuit
and
even
beyond.
We
would
like
to
thank
the
sponsor
for
the
amendment.
We
do
think
it
addresses
some
issues
that
we
had
concerns
with,
but
we
don't
think
that
it
goes
far
enough.
N
First
of
all,
I
would
like
to
be
very
clear
that
we
do
represent
a
regular
course
of
our
business,
both
original
creditors
as
well
as
assignees,
so
that
includes
both
original
medical
providers,
hospitals,
doctors,
physicians,
ambulance
care,
as
well
as
medical
debt
that
has
been
sold
as
written
and
as
amended.
This
bill
would
impact
both
directly.
N
So
we
disagree
highly
and
I'm
aware-
and
I'm
and
I'm
available
for
questions
that
this
would
simply
that
saying
that
this
allows
hospitals
to
sell
the
debt
addresses
the
central
issue,
which
is
that
medical.
This
covers
all
medical
debt,
including
those
that
we
are
attempting
to
collect
that
is
still
owned
by
the
original
creditor,
in
other
words,
the
provider.
N
N
Many
attorneys
accept
a
confession
of
judgment
and
dismiss
the
case
unless
there
is
a
default,
but
we
don't
find
that
to
be
a
bad
thing.
We
find
that
to
be
actually
quite
helpful
for
a
person
who
owes
a
debt
to
be
able
to
enter
into
the
agreement
and
then
to
be
able
to
have
that
case
dismissed
unless
there's
a
default.
N
I
also
can't
tell
if
this
is
a
pro.
I
I'm
an
attorney
and
not
a
collection
agency
and
I'm
not
licensed
as
a
collection
agency,
I'm
licensed
as
a
law
firm
and
most
of
my
members
are,
although
not
all
some
are
actually
licensed
as
collection
agencies
that
depends
on
the
individual
agency
and
the
way
they're
set
up.
N
This
reaches
me
under
the
under
the
by
attempting
to
legislate
collections
and
that
that's
quite
confusing
to
me.
For
example,
under
section
8.3,
only
an
attorney
can
have
an
award
of
attorney's
fees,
and
only
judges
can
award
attorney
fees,
collection
agencies
don't
file
suit,
and
I
am
not
a
collection
agency.
It
is
illegal
under
the
rules
of
practice
for
an
attorney
to
split
fees
with
a
non-attorney
such
as
a
collection
agency.
A
Mr
johnson,
thank
you
so
much
for
your
testimony.
If
you
have
any
further
testimony
in
writing,
please
feel
free
to
email
it
to
our
committee
manager
or
secretary,
and
we
will
distribute
it
to
the
members
and
put
it
on
the
record
at
this
time.
We
do
have
to
move
on
to
our
next
caller
broadcasting.
Next,
caller
in
opposition.
I
L
Madam
chair
vice
chair
and
committee
members,
this
is
scott
purcell,
s-c-o-t-t
s-c-o-t-t-p-u-r-c-e-l-l,
I'm
the
president
of
aca
international,
the
trade
association
of
debt
collectors.
Can
everyone
hear
me?
Okay,.
L
Thank
you
so
much
I
I
would
like
to
say
there's
a
bit
of
baby
in
the
bathwater
going
on
here.
I
hear
some
of
the
examples
in
earlier
testimony
of
agencies
violating
the
law,
including
suing
on
out
of
statute.
I
can
tell
you,
aca
members
subscribe
to
a
code
of
ethics
that
prevents
them
from
suing
on
out
of
statute
debt
and
we
represent
over
2
000
collection
agencies
nationwide.
I
also
like
to
bring
the
committee's
attention
to
a
joint
article
between
hsma
healthcare,
financial
managers,
association
and
aca,
the
best
practices
and
medical
debt
collection.
L
It
was
from
september
2020.
I
can
provide
a
copy
if
needed,
that
prevents
extraordinary
collection
practices
under
a
particular
law
I'll
address
in
a
minute,
as
well
as
credit
reporting
and
legal
activity
and
sales
to
buyers.
So
there's
a
ton
of
work
that
has
gone
on
to
help
treat
consumers
professionally
as
a
society
with
obamacare
we
through
treasury
regulation
501r,
that's
the
the
providers,
the
societal
contract
to
provide
free
or
reduced
care
to
the
materially
poor.
L
A
I
L
L
I've
submitted
testimony
online
in
opposition.
I
won't
read
through
it
all,
but
I
would
do
like
to
do
is
ask
a
couple
questions
or
and
put
in
a
little
bit
of
input
here.
Not
all
collection
agencies
are
debt
buyers.
We
are
contingency-based
companies,
so
basically
we
work
on
a
contingency
base
and
we
only
get
paid
if
we
collect.
L
L
This
one-size-fits-all
is
not
a
good
draft
of
a
bill,
we're
all
about
helping
our
consumers,
our
neighbors.
We
just
need
a
little
more
help
on
this
and
with
the
new
amendment,
a
little
more
time
would
be
appreciated
too,
to
see
what
we
can
do
with
that
as
well.
With
that
I'm
done.
I
appreciate
the
opportunity.
A
I
O
O
So
that's
a
concern
we'd
like
to
see
that
I'd
like
to
see
that
rework
it's.
It's
also
a
concern
again
that
you're
going
to
have
medical
providers
not
being
able
to
contract
with
us
all
of
our
work
is
on
contingency
fee,
we're
not
a
debt
buyer
either,
and
it
may
cause
collection
agencies
to
not
service
those
providers
again
causing
those
providers
to
reduce
access
to
medical
services
to
those
that
can
afford
to
pay
upfront
because
they're
unwilling
to
take
the
risk
of
extending
credit
to
them
when
they
believe
that
that
credit
won't
be
repaid.
I
D
Good
afternoon,
madam
chair
and
committee
members,
my
name
is
ann
silver
a-n-n-s-I-l-v-e-r.
I
serve
as
ceo
of
the
reno
sparks
chamber
of
commerce.
We
just
became
aware
of
this
bill
this
morning
and
want
to
make
sure
that
the
bill
does
not
harm
our
members,
who
are
medical
providers,
particularly
smaller
medical
providers.
That
have
been
mentioned
in
previous
comments.
D
We
understand
there
is
a
proposed
amendment
which
address
which
addresses
some
of
the
issues
raised,
and
so
we're
happy
to
work
with
the
sponsor
and
proponents
to
make
sure
both
consumers
and
medical
providers
are
protected,
but
as
currently
written,
the
reno
sparks
chamber
of
record
is
opposed
to
senate
bill
248.
A
I
L
L
C
C
Thank
you
very
much,
madam
chair,
and
I
would
thank
all
of
you
for
listening
to
the
bill
today.
I
would
also
like
to
say
that
I
have
not
heard
from
any
of
the
opposition
testifiers
to
this
date,
accepting
on
the
phone
line.
Today
we
have
worked
with
medical
providers
and
they
are
fine
with
this.
C
E
Sofia
romero
for
the
record.
In
closing,
I
just
want
to
clarify
a
couple
points
that
it
seems
there
has
been
some
confusion
on.
This
does
not
prevent
a
provider
from
collecting
on
a
medical
debt
that
is
owed
to
them.
This
does
not
even
prevent
a
provider
from
hiring
an
attorney
to
collect
on
a
medical
debt
that
was
owed
to
them.
They
are
the
first.
They
are
the
first
party.
They
are
not
a
third
party
collector,
the
medical
debt
is
owed
to
them.
Nothing
in
this
bill
applies
to
them.
E
E
This
debt
only
limits
the
amount
of
collection
fees
that
the
collection
agency
can
charge
and
that
the
collection
agency's
attorney
can
any
amount
of
attorneys
fees
by
the
collection
agency's
attorney.
This
has
nothing
to
do
with
a
provider
in
any
in
any
form,
and
so
this
will
not
again,
as
you
heard,
the
hospital
association
isn't
neutral
to
this.
This
does
not
affect
the
provider's
bottom
line
again
it
doesn't.
This
only
applies
once
a
debt
collector
is
involved,
and
with
that
I
will
close
unless
anybody
has
any
questions
for
me.
A
Thank
you,
miss
romero,
with
that
we
will
close
the
hearing
on
senate
bill
248.
Thank
you
senator
and
thank
you
miss
romero.
Thank
you,
miss
borderland
for
being
here,
okay
members.
Our
last
bill
on
the
agenda
is
senate
bill
145.
I
believe
we
have
a
senator
spearman
on
zoom
with
her
co-presenter,
dr
tiffany
tyler,
garner.
A
P
Thank
you
thank
you
and
I
apologize.
I
was
going
to
sign
a
little
bit
earlier.
I
was
in
another
meeting,
but
thank
you
anyway.
Thank
you,
chair
haragi
and
members
of
the
committee
for
the
record.
I
am
past
pyramid
and
I
represent
senate
district
one
in
clark
county
and
I'm
pleased
today
to
introduce
to
you
senate
bill
145,
and
I
hope
that
you,
it
will
receive
positive
consideration.
P
P
P
There
are
four
federal
bank
supervisory
agencies,
the
office
of
the
comptroller
of
currency,
the
board
of
governors
of
the
federal
reserve
system
or
the
office
of
thrift
supervision
and
the
federal
deposit
deposit
insurance
corporation.
Most
of
us
know
that
as
the
fdic
and
they
periodically
evaluate
a
financial
institution's
records
and
identify
whether
the
institution
is
meeting
the
credit
needs
of
its
entire
community.
P
P
Ultimately,
the
cra
is
an
important
tool
to
hold
banks
publicly
accountable
and
expand
financial
opportunities
and
equity
to
black
indigenous
and
people
of
color
communities.
Therefore,
sb
145
will
be
a
vehicle
to
educate
nevadans
of
the
activities
and
investments
of
their
local
banks.
I
believe
that
making
the
bank's
cra
rating
publicly
available
will
provide
social
pressure,
that
they
must
avoid
discrimination
in
their
lending
programs
and
take
steps
to
reduce
historic
patterns
of
discrimination
in
the
past.
P
There
are
some
who
estimate
that
we
will
not
fully
recover
covered
financially
until
the
next
decade.
It
is
my
hope
that
making
this
information
public
will
allow
those
community
organizations
to
understand
what
the
community
reinvestment
act
is
what
it
can
do
and
make
sure
that
we
are
doing
everything
that
we
can
in
our
community
to
leverage
this
resource,
and
so
that's
the
end
of
my
my
testimony.
P
What
I'd
like
to
do
now
is
I'd
like
to
turn
it
over
to
dr
tiffany
tyler
garner,
and
she
can
speak
to
how
this
will
help
community
organizations
in
our
neighborhood.
That's
okay
with
you,
madam
chair.
A
Yes,
thank
you
senator
dr
tyler
gardner.
Thank
you
so
much
for
being
here
when
you're
ready.
Q
As
someone
who
has
lived
and
worked
in
the
community,
and
particularly
in
non-profit
administration
for
a
number
of
years
now,
I
can
tell
you
that
we
have
a
number
of
great
financial
institutions
as
partners
who
routinely
engage
in
investments
and
support,
and
those
supports
include
things
like
free
financial
literacy
training,
where
they
will
actually
dedicate
members
of
their
institutions
to
go
out
and
freely
share
that
in
the
community.
Q
I
was
ecstatic,
particularly
as
I
consider
the
efforts
to
go
into
raising
resources
as
a
non-profit
having
an
awareness
of
understanding
around
how
this
policy
would
work
routine
reporting,
particularly
on
the
investments
they're
making
as
a
part
of
a
larger
ecosystem
around
addressing
social
issues,
could
be
instantly
impactful
from
that
standpoint
and
then
beyond
that,
as
we
hope
to
increase
investments,
including
federal
investments
or
braid
resources
across
systems
or
entities.
Q
Beyond
that,
having
an
understanding
of
the
ways
in
which
they
are
investing
the
where
even
if
it's
just
by
zip
code
or
issue
area
will
help
us
to
refine
how
we
work
across
systems
and
coordination
and
mitigate
these
issues,
particularly
hopefully,
mitigating
some
duplication
that
might
be
happening
or
optimizing.
How
we
double
down
in
particular
areas,
because
we
know
more
about
how
folks
are
investing
where
they're
investing.
Q
And
why
is
a
part
of
the
process?
And
then,
beyond
that,
the
notation
around
there
being
an
actual
ranking
or
status
or
statute
of
given
to
any
particular
entity
can
be
helpful,
particularly
in
raising
the
bar
on
practice.
So
the
ability
to
be
known
as
someone
who
routinely
invested
a
certain
level.
Q
It's
almost
like
setting
the
bar
for
your
for
your
peers
in
some
respects,
and
so
from
that
perspective,
I
strongly
encourage
you
to
consider
some
of
the
benefits
that
may
come
out
of
it,
whether
it's
helping
us
better
understand
as
community
members
like
how
cr
cra
is
an
investment
in
our
communities,
how
to
partner
with
financial
institutions
or
helping
us
to
understand
where
it's
happening
in
our
state,
as
we
seek
to
draw
down
more
resources
or
bring
more
partners
to
the
table
around
some
critical
social
issues,
and
I
would
say
particularly
for
children
and
families.
Q
A
A
B
Thank
you
chair
and
thank
you
senator
and
for
this
for
this
bill
and
being
here
today.
So
I
just
had
a
couple
of
questions
about
the
training
sessions
that
you
reference
so
and
then
it
says
a
couple
of
times
the
number
of
training
sessions
required.
Is
there
a
set
amount
that
the
financial
institutions
would
have
to
do
each
year
I
was
trying
to
read
through
and
see.
If
you
know,
was
it
one
two
three:
do
you
have
a
set
amount
in
the
bill.
P
So
through
you,
madam
chair
to
assemblywoman
hardy,
no
there's
not
a
set
amount.
This
is
what
I
have
asked
of
some
of
the
community
members
in
anticipation
that,
indeed
this
this
legislation
will
pass
to
work
with
banks
in
their
area
who
are
subject
to
the
cra
and
to
set
up
the
training
sessions
for
them
and
sessions.
Let
me
be
clear
about
that.
The
training
sessions
aren't
something
that
that
will
take
a
day
two
days
or
whatever.
What
we're
talking
about
is
training
sessions
so
that
people
understand
number
one.
P
What
the
cra
with
the
community
reinvestment
act
is
really
all
about
number
two:
the
areas
that
the
bank
is
interested
in
or
could
become
interested
in
and
number
three:
let's
identify
the
issues
within
the
communities,
especially
those
that
have
been
hardest
hit
in
bypoc.
I
mentioned
earlier
about
about
lending
race.
P
If
you're
going
to
purchase
a
house
you're
going
to
purchase
a
car
or
whatever,
it's
also
an
opportunity
for
for
banks
to
understand,
we've
got
several
organizations
now
who
are
addressing
the
homeless
issue
and
that's
homeless
issue,
not
just
in
the
south,
but
also
in
the
north,
and
so
it
is
an
opportunity
for
people
to
come
together
and
to
learn
about
what
cra
is
not
just
on
the
banks,
the
bank's
perspective,
but
also
within
the
community.
B
Thank
you
senator,
and
just
because
I
I
don't
know
what
this
that
means.
But
what
is
bipark.
A
I
I
J
J
This
bill
promotes
accountability
by
ensuring
that
the
fid,
the
legislature
and
the
public
are
aware
of
the
progress
that
each
financial
institution
subject
to
the
reporting
requirement
has
made
in
expanding
access
to
low-income
nevadans.
Historic
inequities
have
limited
these
nevadans
access
to
lending
and
banking
services.
J
Many
institutions
have
made
progress,
expanding
access
to
less
represented
groups,
and
this
bill
will
help
give
them
the
credit
that
they
deserve.
Other
institutions
will
get
some
much
needed
encouragement
to
think
more
inclusively
and
increase
their
efforts
to
reach
out
to
historically
excluded
nevadans.
J
A
A
I
J
This
bill
requires
financial
institutions
subject
to
cra,
to
provide
training
to
communities
to
assist
nevadan
in
understanding
cra
requirement
and
the
cra
ratings
for
those
institutions
to
easily
access
access
on
the
division
website
for
nevadans.
The
division
looks
forward
to
working
with
senator
if
any
additional
amendment
should
be
necessary.
A
A
Thank
you,
senator
spearman.
Would
you
like
to
give
any
closing
remarks.
P
Yes,
ma'am.
The
bill
is
really
straightforward.
It's
an
opportunity,
as
I
said
before,
to
bring
those
the
banks
the
subject
to
the
credit,
the
community
reinvestment
act
as
well
as
community
organizations,
nonprofit
organizations
together
so
that
each
can
understand
this
is
a
resource,
and
this
is
what
we're
trying
to
do
just
a
real,
real,
quick
testimony
about
how
this
can
work.
While
I
was
stationed
in
texas,
we
partnered
with
one
of
the
banks
there
there
was
a
an
area
of
the
city
that
was
really
blighted.
P
There
were
homes
that
were
abandoned,
there
were
weedy
lots,
etc,
etc,
and
you
also
had
a
number
of
people
who
were
really
wanting
to
become
homeowners,
and
so
what
the
bank
did
was
the
bank
sponsored
excuse
me
for
six
weeks
weekend,
classes
that
people
could
sign
up
for
and
we
held
classes
at
my
church,
and
there
was
usually
about
25
or
30
people
that
could
sign
up
for
the
classes
each
week.
Out
of
that
out
of
that
partnership,
we
were
able
to
get
20
more
people
in
as
homeowners
because
they
understood
number
one.
P
What
the
credit
qualifications
were.
They
also
understood
going
through
the
whole
process
of
home
buying.
They
also
understood
this
is
what
it
means
to
take
care
of
the
property.
These
are.
These
are
the
things
you
have
to
do,
for
maintenance,
etc,
and
everybody
that
went
through
that
program,
the
the
bank
offered
them
a
half
a
point
discount
on
their
loan
if
they
use
them.
P
So
this
is
something
that
can
work,
and
it's
something
that
I
hope
we
will
be
able
to
institute,
because
we're
going
to
need
a
lot
of
help
coming
out
of
the
covet
environment.
So
with
that,
thank
you,
madam
chair
and
committee
members
for
listening
and
thank
you,
dr
tiffany
allen,
garner
for
coming
and
want
to
thank
fid
for
showing
up,
and
I
worked
diligently
with
them
to
try
to
help
us
get
through
this
bill
and
several
others.
So
with
that,
that's
all
I
have
unless.
A
A
I
would
like
to
remind
those
listening
that
the
period
for
public
comment
is
an
opportunity
to
discuss
general
matters
that
fall
within
the
purview
of
this
committee.
Please
address
your
remarks
to
issues
that
fall
within
the
jurisdiction
of
commerce
and
labor.
If
you
direct
your
remarks
to
issues
over
which
this
committee
has
no
oversight,
I
will
ask
you
to
redirect
or
terminate
them.
The
public
has
already
been
given
time
to
support
or
oppose
specific
legislation.
We
open
and
close
hearings
on
all
bills
so
that
we
establish
a
record
of
the
public
testimony
on
a
bill.
A
We
do
limit
public
comment
to
two
minutes.
I
would
also
like
to
remind
those
listening
that
you
may
always
submit
written
remarks
for
inclusion
in
the
meeting
record.
Be
respectful
of
committee
members
and
other
witnesses
do
not
comment
on
testimony
provided
by
other
speakers
and
do
not
make
personal
attacks
with
that.
Seeing
no
one
here
in
carson
city
to
give
public
comment
broadcasting.
Can
we
please
check
the
telephone
line.
I
A
Thank
you
so
much.
Thank
you
committee
members
for
friday's
version
of
commerce
and
labor.
I
appreciate
all
the
questions
that
you
all
had.
I
was
able
to
get
all
of
my
questions
answered
through
you
with
that.
Our
next
meeting
will
be
on
monday
at
1
30
and
we
are
adjourned
enjoy
your
weekend.