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From YouTube: 3/29/2021 - Senate Committee on Commerce and Labor
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A
C
C
B
B
A
And
please
mark
senators
hardy
and
sotomayor
president
once
they
arrive,
they
may
or
may
not
get
finished
before
we
in
this
meeting,
but
as
soon
as
they
get
here,
please
mark
them
present
and
if
they
don't
make
it
they're
excused.
Okay.
A
A
I'd
like
to
take
a
moment
to
go
over
some
basic
housekeeping
items.
As
you
know,
we
are
closed
for
safety,
for
public
safety
and
our
safety
as
well
during
this
covet
19
environment,
so
committee,
members
and
staff,
and
everyone
else
will
be
participating
either
through
zoom
neoconference
or
by
telephone.
A
However,
there
are
some
ways
that
you
can
still
participate
and
engage
with
us.
These
include
registering
to
participate
through
nellis,
where
you
have
the
opportunity
to
testify
on
a
bill
or
provide
public
comment.
During
the
meeting
you
may
submit
written
comment
to
the
committee,
email
address
or
fax
number
listed
on
the
agenda.
You
might
share
your
opinion
via
the
legislators,
legislature's
opinion
application
on
nellis
or
by
viewing
committee
meetings
online
nellis
on
nellis
or
on
the
I
can
speak
this
morning.
A
It
will
be
helpful
if
any
person
has
already
heard
what
you
were
going
to
say.
Remember
that
ditto
is
a
good
response.
This
allows
us
to
get
more
more
participants
in
and
we
won't
hear
the
same
thing
over
and
over
again.
So
if
you
you've
already
heard
what
you
want
to
say,
you
can
come
to
the
mic
spell
and
spell
your
name
and
announce
your
name
slowly
and
then
just
say
ditto,
and
that
is
a
good
response.
A
When
you're
on
the
phone
line,
please
pay
attention
to
which
bill
is
being
considered
and
follow.
The
verbal
prompts
provided
by
the
bps
staff
so
that
you
know
which
keys
to
press
and
where
to
raise
your
hand
to
unmute
yourself
staff
will
call
on
you
to
speak
by
the
last
three
digits
of
your
phone
number.
A
All
exhibits
from
the
committee
must
be
submitted
in
electronic
format
no
later
than
eight
o'clock
a.m.
The
day
before
to
our
committee
staff
and
that
contact
information
may
be
found
on
the
committee
page
in
nellis.
In
addition,
any
person
proposing
an
amendment
to
a
bill
being
heard
by
this
committee
must
first
talk
to
the
sponsor,
because
I
will
not
entertain
any
amendments
if
the
sponsor
has
not
been
notified
of
your
intention,
the
proposed
amendment
must
be
submitted
in
writing
24
hours
prior
to
the
meeting.
A
So
please
include
the
bill
number
statement
of
intent
and
your
contact
information
when
you're
testifying.
Please
remember
to
unmute
your
microphone
speak
clearly
and
project
your
voice.
We
have
so
many
people
who
are
listening
via
computer
and
when
you
whisper,
they
cannot
hear
you
so
speak
clearly
and
project
your
voice,
and
this
will
ensure
that
those
watching
remotely
can
hear
your
testimony.
A
Please
remember
to
turn
your
microphone
off
when
you
finish
speaking
reminder
to
all
those
who
testify
pursuant
to
nevada,
revised
statutes,
one
485.
It
is
unlawful
for
a
person
to
knowingly
misrepresent
facts
when
testifying
before
a
legislative,
a
person
who
normally
does
so
is
guilty
of
a
mystery
or
any
member
of
the
committee
may
require
a
testifier
to
submit
documentation
supporting
their
claims.
A
A
A
Finally,
all
exhibits
prior
to
the
meeting
will
be
available
on
nellis
on
line,
and
so
we
will
have.
We
will
introduce
br
54-709,
which
revises
provisions
relating
to
professions.
A
Remember
if
you
vote
in
favor
of
introducing
a
bdr,
it
does
not
imply
a
commitment
to
support
the
measure
later.
All
this
action
does
is.
It
allows
us
to
introduce
and
for
the
bar
to
become
a
bill
or
resolution
and
be
referred
to
a
committee
for
possible
hearings,
and
so
now
I
will
accept
a
motion
to
introduce
bdr
54-709.
F
G
A
H
B
Senator
chair
spearman.
A
A
Okay,
so
the
motion
passes
and
would
just
like
to
remind
the
the
members
and
the
public
this
particular
bill
is
going
to
be
over
300
pages,
and
the
contents
of
the
bill
were
a
response
to
what
we
heard
from
military
families,
from
veterans
and
from
others
during
our
hearings
on
the
military,
senior
citizens,
military
and
adults
with
special
needs
committee,
so
it
will
be
quite
healthy
and
just
as
soon
as
you
can,
you
may
want
to
start
looking
at
it.
Okay,
thank
you.
So
much.
A
B
Thank
you
so
much
chair,
spearman
and
members
of
the
committee
and
it's
a
pleasure
to
meet
with
you
this
morning.
For
the
record
I
am
marilyn
dondero
loop,
representing
senate
district
8,
and
today
I
would
like
to
thank
you
for
the
opportunity
to
present
senate
bill
247,
which
relates
to
apprentices
and
the
apprenticeship
program
in
nevada.
B
The
dol
has
carried
out
these
provisions
by
developing
a
system
in
which
the
dol
or
a
dol
recognized
state
apprenticeship
agency
registers,
individual
programs
as
meeting
federal
and
or
state
standards
in
nevada.
The
apprenticeship
program
is
administered
by
the
state
apprenticeship
director,
under
the
direction
of
the
governor's
office
of
workforce
innovation
and
with
the
advice
and
guidance
of
the
state
apprenticeship
council.
The
council
has
the
authority
to
approve
and
register
or
reject,
proposed
programs
of
apprenticeship
registered
apprenticeships.
B
B
Section
two
of
the
bill
also
prohibits
the
state
apprenticeship
council
from
approving
a
program
that
is
based
in
a
skilled
trade
when
there
is
an
already
program
that
has
been
approved
and
registered
by
the
council
unless
the
program
requires
the
completion
of
at
least
as
many
hours
of
on-the-job
learning
or
at
least
the
same
number
and
quality
of
skills
as
all
existing
programs.
The
bill
also
prescribes
the
elements
the
council
is
required
to
consider
in
order
to
determine
whether
to
approve
or
reject
such
a
program.
B
I
am
now
going
to
turn
the
time
over
to
mr
bill
stanley
and
he
has
an
amendment
and
additional
remarks,
madam
chair,
so
with
that,
mr
stanley,
when
you're
ready
please
thank
you.
I
I
I
I
have
with
me
today
to
introduce
this
bill
to
other
individuals.
Mr
archie
walden,
apprenticeship,
coordinator
of
the
southern
nevada,
labors,
training
trust
he
is
also
the
chairman
of
the
state
apprenticeship
council,
with
with
me,
also
is
randy
canale,
mr
canales
apprenticeship,
coordinator
for
local
350,
the
pike
trades
apprenticeship,
and
he
is
also
a
member
of
the
state
apprenticeship
council.
They
will
deliver
their
remarks
and
answer
any
questions
later.
I
I
The
bill
is
that
simple
and
straightforward.
The
current
statutory
scheme
in
nrs
610
was,
from
its
inception,
created
to
regulate
building
trades
apprenticeship
programs.
No
other
programs
existed
or
were
contemplated,
as
non-traditional
programs
have
been
introduced,
their
approval
by
the
state
apprenticeship
council
has
been
difficult.
I
I
A
pro
apprenticeship
program
by
recognizing
other
apprenticeship
delivery
methods,
section
point
section
2.2
of
the
bill.
Well,
we
I'm
sorry
section
2.2
of
the
bill
we
are
clarifying
when
and
how
parallel
programs
are
approved.
We
have
two
amendments
to
this
bill.
Both
posted
to
nellis,
the
first
amendment's
intent,
is
to
clarify
that
state
apprenticeship
council
shall
determine
the
minimum
wage
for
all
registered
apprenticeship
programs.
Currently,
the
statute
only
contemplates
a
a
minimum
wage
rate
for
apprentices
in
the
construction
industry,
so
this
will
clarify
that
the
state
apprenticeship
council
has
the
ability
to
establish
the.
J
I
Wage
for
all
registered
apprenticeship
programs
in
the
state
of
nevada.
The
second
amendment
is,
is
to
clarify
language
that
the
compensation
to
apprentices
in
a
skilled
trade
is
equal
to
or
greater
than,
the
parallel
program
and
the
language
that
was
there
talked
about
wages
and
benefits
in
conversations
with
the
association
building
and
contractor
apprenticeship
programs,
both
warren
hardy
and
mack
bybee.
Over
the
weekend,
we
were
able
to
come
to
an
agreement
and
subplant
that
language
with
compensation
versus
wages
and
benefits.
I
The
concern
was
that
benefits
may
be
construed
to
mean
a
defined
benefit
pension
plan,
for
instance,
versus
a
401k.
That
was
not
the
intent
of
the
bill,
and
so
we've
come
to
an
agreement
on
that,
and
so
we
submitted
the
amendment
as
you
see
it
today.
So
with
that
senator
spearman,
chairman
spearman
and
others.
I
want
to
thank
you
for
your
time
this
morning
and
at
this
time
I
would
like
to
turn
the
presentation
over
to
mr
archie
walden
for
a
couple
of
brief
comments.
Archie.
D
Good
morning
my
name
is
arch
walden,
I'm
the
training
director
and
apprentice
coordinator
of
labor's,
local
872
or
southern
nevada,
laborers
training,
trust
chairman
of
the
state
apprenticeship,
council,
president
of
the
western
apprentice
coordinators
association,
and
also
a
member
of
snap
which
the
southern
nevada
union,
apprenticeship
programs.
D
D
We
have
to
understand
about
apprenticeship
program.
Is
that
we're
here
to
provide
a
career
path,
transferable
skills
and
a
competitive
livable
wage
for
our
apprentices,
and
what
this
bill
is
providing
is
giving
us
an
opportunity
to
do
that,
make
it
a
fair
thing
across
the
board
for
everybody
and
allow
our
programs
to
continue
in
the
gold
standard
model
that
building
trades
and
the
construction
scanners
have
set
forth.
So
thank
you
for
your
time.
I
appreciate
it.
D
D
I
am
also
the
president
of
the
northern
nevada
apprenticeship
coordinators
association,
that
represents
the
10
northern
nevada,
building
construction,
trades
programs-
and
I
am
currently
a
member
of
the
state
apprenticeship
council,
to
keep
my
comments
as
brief
as
possible.
I
would
just
like
to
say
everything
that
I
would
have
to
state
has
been
stated
already.
D
B
I
I
do
not
chair
spearman.
I
think
that,
with
that
we'll
stand
for
questions,
thank
you.
A
Great,
thank
you
see
vice
chair
neil
and
then
senator
pickard.
Thank.
E
You,
madam
chair,
thank
you
don
darrell
luke
for
your
presentation.
I
have
questions
so
I
was
reading
your
bill
and
then
I
was
reading
the
amendment
and
then
I
was
reading
29
cfr,
part
29.
E
Why
are
we
striking
out
the
on
the
job
training,
which
is
the
the
on-the-job
learning,
which
is
what
your
bill
says
and
then
putting
in
the
wage
experience,
because
the
exact
language
in
the
fed
statute,
which
I
thought
we
were
trying
to
be
in
compliance
with,
is
what
is
in
your
bill?
E
B
Mr
stanley,
would
you
like
to
address
that?
Please.
I
Yes,
but
thank
you
senator
vice
chair
neal,
could
you
I
I'm
I'm
not
following
quite.
Can
you
tell
me
what
line.
E
I
Oh,
do
you
chairman
spearman
to
vice
chair
neil?
What
we're
trying
to
do
here
is
create
a
alternative
pathway
that,
for
many
of
these
pathways,
quite
honestly,
are
not
contemplated
in
2929
cfr,
for
instance,
competency-based
programs,
other
types
of
hybrid
program,
and
so
what
we're
trying
to
do
here
is
give
leeway
to
other
non-traditional
apprenticeship
programs
in
the
state
of
nevada
that
can
come
forward
with
their
own
delivery
method.
That
works
for
the
industry.
That
they're
trying
to
create
the
apprenticeship
program
in.
I
It
was
that
was
the
language
that
they
had
requested
and
we
had
met
them
there
and
so
that
they
can
be
more
flexible
in
what
they're
trying
to
do
and
we'll,
but
yet
be
directive
about
what
we
consider
to
be
an
apprenticeship
program,
which
is
some
time
that's
required
to
be
on
the
job,
training,
and
so
those
were.
These
were
all
compromises
that
were
made
along
the
way,
senator
neil
and
to
get
everybody.
E
E
So
did
something
in
the
federal
language
change,
where
the
department
of
labor
said
that
we
had
the
ability
to
go
and
not
do
direct
language.
That's
in
the
statute
in
the
federal
statute.
That's
what
I'm
looking
for.
It
doesn't
matter
if
and
she
wants
something.
The
question
is:
did
the
fed
say
that
we
could
do.
I
It
do
you
chairman,
spearman,
to
to
the
vice
chair
neil.
It
is
my
understanding
that
we
are
in
total
compliance
with
with
both
federal
and
state
law.
With
this
language,
we
have
had
conversations
with
the
state
apprenticeship
council.
I
think
I'm
sorry
with
the
director
of
the
nevada
state
apprenticeship
and
we
believe
we
are
in
100
compliance
with
both
state
and
federal
law.
E
Okay,
so
I
I
definitely
want
senators
chair
spearman.
If
a
will
king
can
check
on
the
cfr
language
for
me,
because
when
I
was
reading
don
darrell
luke's
bill,
it
seemed
to
read
verbatim
what
the
cfr
said.
So
I
just
want
to
make
sure
that
she
doesn't
get
caught
in
any
crosshairs
with
how
our
bill
was
originally
written.
A
Yeah
sure-
and
I
have
have
will
checking
on
that
now.
What
we'll
do
is
we'll
go
to
senator
pickard
and
as
soon
as
he
finishes
I'll
come
back
to
mr
keene,
our
legal
legal
counsel
and
to
those
who
are
responding
just
go
directly
to
the
committee
member.
You
have
to
go
through
me,
senator
pickard
good
morning.
H
Good
morning,
thank
you,
madam
chair.
That
was
my
first
question.
Senator
neil
thank
you,
and
my
next
question
is
you've
discussed
mr
stanley.
You've
discussed
that
this
is
to
go
beyond
the
building
trades
and,
quite
frankly,
I
think
the
building
trades
have
done
a
fantastic
union.
I
think
they're
second,
to
none
with
respect
to
their
training
programs,
and
I
do
believe
that
they
are
the
gold
standard.
H
My
question,
though,
is
that
it
seems
that
this
by
the
language
of
the
bill
itself,
it
seems
to
only
apply
to
the
skilled
trades
and
it
kind
of
bypasses,
particularly
as
I'm
looking
at
it's
section,
two
sub
two.
We
talk
about
the
apprenticeships
and
skilled
trade
is
proposed.
If
a
program
of
apprenticeships
in
a
skilled
trade
is
proposed,
and
then
it
goes
on
with
language
and
and
it
continues
to
focus
on
skilled
trains
and
trades.
H
But
if
we
are,
as
my
bill
proposed
to
do,
expanding
beyond
the
skilled
trades,
this
seems
not
to
apply
so.
Can
you
clarify
what
the
intent
of
the
bill
is?
Is
this?
Are
we
looking
at
non-traditional,
non-skilled
trades,
apprenticeships
in
this
or
just
non-traditional
methods
of
delivery
of
skilled
trade,
apprenticeships.
I
I
All
other
programs
can
either
contemplate
whether
they
want
to
be
a
time-based,
a
competency-based
or
a
hybrid
of
those
of
those
two
delivery
methods,
and
that,
for
the
first
time
in
statute
of
nevada,
we
will
have
created
a
clear
pathway
for
non-traditional
programs
to
deliver
their
programs
through
a
delivery
method
that
was
not
previously
contemplated
in
statute.
That's
that
that's
what
we're
that
was
the
genesis
of
this
bill.
That's
why
I
brought
the
bill
forward
and
asked
don
darrell
luke
senator
luke
to
bring
the
bill
for
us
is.
I
I
have
had
numerous
conversations
with
other
non-traditional
programs
trying
to
assist
them
through
this
through
the
process
of
registering
an
apprenticeship
program
and
too
many
times
we
ran
into
roadblocks
where
the
traditional
methods
that
were
contemplated
and
were
codified
in
statute
only
contemplated
a
time-based
program,
and
so
what
we're
doing
here
is
allowing
others
that
have
non-traditional
programs
to
follow
their
delivery
method,
while
leaving
the
traditional
building
trades
apprenticeship
programs,
as
they
are
a
time-based
program.
H
Right
and-
and
I
understand
that
piece
of
it-
I
just-
I
guess-
I'm
just
concerned-
that
in
in
addressing
in
section
two
sub
two-
that
we're
talking
about
skilled
trade,
apprenticeship
programs
that
already
exist
now
we
have
to
make
sure
they
meet
the
same
criteria
of
the
the
new
one
has
to
meet
the
same
criteria
of
the
existing
one.
H
I'm
a
little
concerned
about
that
from
a
competition
level.
I
don't
understand
why
we
would
have
to
have
the
same
number
and
quality
of
skills,
but
that's
within
a
skilled
trade
program.
I
don't
see
language
that
even
addresses
what
happens
if
they're
bringing
an
apprenticeship
program
that
isn't
provided
by
any
skilled
trade,
whether
or
not
it's
in
a
time
base
or
any
of
the
other
two,
the
the
hybrid
or
the
competency
based,
and
so
I
want
to
make
sure
that
we're
clear
on
the
record.
H
This
is
intended
to
somehow
apply
to
all
of
them,
even
though
sub
two
and
the
guidance
that
this
kid
and-
and
I
think
it's
great-
that
we're
giving
guidance
as
to
what
criteria
the
commission
or
the
council
needs
to
use
in
order
to
approve.
I
think
that's
a
good
idea
that
the
legislature
often
falls
short
on,
but
they
the
language
seems
to
limit
it
to
a
a
skilled
trade
skilled.
I'm
sorry,
a
skilled
trade
apprenticeship
program
and
not
the
others.
So
I
I'm.
H
A
H
D
The
state
or
federal
law
as
far
as
minimum
wage,
the
only
reason
I
asked
as
we
have
allowed
that
in
other
instances,
I'm
sure
mr
stanley
in
no
way
would
want
to
do
that.
I
just
want
to
make
sure
that's
on
the
record,
or
maybe
we
just
clarify
the
wordsmithing
a
little
bit
to
make
sure
that.
Thank
you.
A
Thank
you,
mr
stanley.
You
want
to
respond,
and
then
mr
king
I'll
ask
you
to
weigh
in
too
please.
I
Do
you
chairman
to
senator
thank
you
for
thank
you
for
the
question
you're
right
and
so
in
statute?
Currently,
the
state
apprenticeship
council
sets
a
minimum
wage
rate
for
apprentices
each
year
in
the
construction
industry,
and
so
we
just
wanted
to
give
them
the
ability
to
do
that
for
all
apprenticeship
programs
and
so
not
just
the
construction
industry.
As
I
said
earlier,
these
statutes
were
originally
codified.
I
Only
contemplating
that
there
was
building
trades
apprenticeship
programs
with
the
with,
with
others
and
other
industries
contemplating
and
forming
non-traditional
programs.
We
want
to
make
sure
that
they
have
the
state
apprentice
council
has
the
ability
to
regulate
them
in
the
same
manner
that
construction,
apprenticeships
are
regulated,
but
in
no
way.
H
A
Thank
you,
I'm
going
to
ask
mr
keane
to
weigh
in
because
I
too
have
had
a
similar
question
to
vice
chair.
Neil
just
want
to
make
sure
that
moving
forward,
we
have
the
exact
language
that
we
want
and
there's
no
conflict
between
original
and
amendment.
So,
mr
king,
can
you
weigh
in.
D
Please
certainly
thank
you,
chair
experiment,
for
the
record
will
keen
committee
council
in
answer
to
the
question
about
the
minimum
wage.
I
the
min
the
the
the
payment
of
the
apprentices,
has
to
at
least
be
the
minimum
wage
for
the
state
and
the
federal
government.
These
all
appear
to
be
floors,
but
certainly
we
could
revise
the
language
if
it's
not
clear
that
the
apprentice
needs
to
be
making
at
least
the
federal
and
state
minimum
wage
and
at
least
what
their
collective
bargaining
agreement
would
provide.
E
A
H
A
H
H
No
sorry,
I
meant
if
it's
going
to
pass
muster.
If
it's
going
to
be
okay,
then
it's
going
to
be
okay
and
I
trust
mr
keane
on
that.
A
Okay,
thank
you
so
much
committee
members
additional
questions.
A
I
just
have
a
couple-
and
this
is
probably
more
for
senator
dondero
loop
and
mr
stanley.
It
may
be
for
you
as
well
when
I
look
here
at
section
2
and
coming
down
to
wc
must
contain
the
pledge
of
equal
opportunity
prescribed
in
29
cfr
and
when
applicable,
a
plan
of
affirmative
action
in
accordance
with
29
cfr.
A
So
it
speaks
to
me
a
little
bit
about
what
what
outreach
looks
like
so
that
at
the
very
beginning,
we
can
comply
with
this
standard
because
many
times
what
happens
is
we're
well
into
a
program
and
we
look
around
and
the
equal
option.
Opportunity
has
not
been
met.
I
Thank
you,
senator
don
darrell
loop
to
you,
chairman
spearman,
the
the
requirements
of
29
29
cfr.
2929
are
inclusive
and
I
can
ask
either
archie
mr
walden
or
mr
canale
to
weigh
in
here.
Our
outreach
is
required
through
the
department
of
labor
bureau
of
apprenticeship
training,
and
so
I'm
sorry,
I'm
dating
myself.
The
office
of
apprenticeship
and
those
outreaches.
I
Those
programs
of
outreach
into
our
underserved
communities
and
others
are
well
established
and
are
required,
and
they
have
to
be
tracked,
which
is
pretty
much
the
function
of
the
southerland
apprenticeship
program
and
the
program
of
the
northern
nevada
apprenticeship
programs,
which
is
outreach
into
our
community,
including
job
fairs
in
the
high
schools
at
the
community
colleges
and
throughout
our
community.
I
We
do
we
do
job
fairs
on
a
regular
basis,
trying
to
promote
apprenticeship,
pro
registered
apprenticeship
programs
everywhere
and
anywhere
that
we
can.
As
you're
aware
chairman
spearman
in
southern
nevada.
We
even
have
a
outreach
program
and
an
apprenticeship
readiness
program
at
high
desert
correctional
institution.
That's
one
of
the
few
programs
in
the
nation
where
the
building
trades
are
embedded
in
a
prison.
I
We
have
enormous
success
out
of
that
program
where
we're
bringing
people
on
the
re-entry
back
into
our
society
and
placing
them
in
career
pathways
that
lead
them
in
a
much
different
direction.
I
I
hope
you
guys
each
have
an
opportunity
to
talk
to
some
of
those
individuals
and
listen
to
their
testimony
who
have
come
from
those
programs.
I
I
tell
people
all
the
time
I
I
have
accomplished
a
few
things
while
I've
been
in
the
building
trades,
but
none
makes
me
more
happy
than
as
I
sit
down
with
those
individuals
who
have
come
out
of
high
desert
and
talk
about
buying
homes
and
cars
and
marriage
and
children
and
things
that
have
truly
changed
their
projection
in
life,
and
so
I
am
so
proud
of
the
outreach
that
these
guys
do
and
into
underserved
communities
to
provide
these
opportunities
that
have
not
always
been
generationally
true,
and
so
I
think
that
we
do
such
a
much
better
job
today,
and
so
I
hope
that
answers
your
question.
I
I
know
I
I
ramble
on,
but
you
know
some
of
these
things
are
really
passionate
to
me,
and
that
is
one
of
them
us
chairman
spearman.
Thank
you.
A
Thank
you
and
thank
you
for
in-depth
response.
Yeah
and
my
my
my
concern
and
then
I'm
gonna
move
on
my
concern
is
that
what
the
pandemic
has
done?
It
has
disproportionately
affected
bipart
communities
and
I'm
just
trying
to
make
sure
in
everything
that
we
do.
A
There
is
a
specific
outreach
to
to
those
communities
using
you
know,
community
organizations
or
whoever
you
can
find
that
that
might
be
able
to
have
access
to
that
population
and
let
them
know
what's
going
on,
because
if
we
don't
all
don't
come
back
together,
then
none
of
us
will
come
back
together.
By
that
I
mean
recover,
we
all
have
to
recover
at
the
same
time.
So
thank
you,
mr
stanley.
I
don't
see
any
other
questions
so
broadcast.
Let's
go
to.
A
C
K
K
This
is
an
important
bill
because
it
helps
ensure
that
men
and
women
receive
proper
training
in
any
new
and
expanded
apprenticeship,
programs,
apprenticeships
and
apprenticeship
programs
train.
We
believe
for
careers,
not
a
job
elect.
To
give
you
some
perspective,
while
it's
building
trades
and
skilled
trades
electrical
apprenticeship
programs
require
a
minimum
of
eight
thousand
hours.
Not
two
thousand
electricians
do
a
lot
more
than
four
wires.
These
days,
electrical
apprentices
are
trained
in
low
voltage
and
high
voltage,
solar,
wind
storage
battery
insulation
and
use
to
mention
a
few.
K
K
C
K
Today,
I'm
representing
the
international
brotherhood
of
electrical
workers,
both
local
1245
and
local
396..
We
stand
in
full
support
of
this
bill
and
its
amendment.
We
think
it's
critical
to
maintain
the
quality
of
programs
that
we
have
in
nevada
and
and
today
and
in
the
future.
So
we
stand
in
support
of
this
building.
Thank
you.
C
K
K
Apprenticeship
programs
are
important
career
pathways
for
many
nevada
students,
combining
structured
on-the-job
learning
with
related
instruction
and
real
real
career
pathways
with
living
wages.
We
appreciate
the
work
of
the
building
trades
on
this
and
are
in
support
of
the
bill.
Thank
you.
C
L
L
C
C
D
C
F
F
C
K
C
A
Thank
you
so
we'll
go
now
to
those
in
opposition.
Same
requirements,
15
minutes
three
minutes
per
individual.
Thank
you.
C
K
Hi,
my
name
is
mack
bybee
m-a-c-b-y-b-e-e.
I
am
the
president
and
ceo
of
the
associated
builders
and
contractors.
Thank
you,
madam
chair
members
of
the
committee.
While
I
am
in
opposition
or
filed
in
opposition,
I
do
believe
the
amendments
that
bill
stanley
discussed
likely
addresses
our
concerns
with
the
legislation.
K
So
we
I
just
because
we're
working
on
them
sunday
need
a
little
bit
more
time
to
fully
evaluate
it,
but
I
do
appreciate
senator
dondero
loop
and
bill
stanley's
efforts
to
accommodate
our
concerns
and
we
look
forward
to
moving
from
opposition
to
support
once
we
fully
evaluate
the
changes.
Thank
you.
C
K
Good
morning,
my
name
is
craig
medol
c
r,
a
I
g
m,
a
d
o
l
e,
I'm
with
the
nevada
chapter
associated
general
contractors,
very
similar
to
what
mr
bibi
just
stated.
I
think
that
the
amendment
addresses
our
concerns.
However,
I
just
got
the
my
eyes
on
it
this
morning,
so
I
just
want
to
be
able
to
to
go
through
that,
but
it's
very
likely
that
this
addresses
our
concerns
as
well.
C
D
Thank
you
chair
and
committee
members,
brian
reader
v-r-I-a-n-r-e-e-d-e-r,
on
behalf
of
the
nevada
contractors
association.
Just
like
mr
bibi.
We
believe
that
the
amendment
may
address
our
concerns
opposed
to
the
bill
as
written,
but
looking
forward
to
working
with
mr
stanley
and
thank
him
for
working
with
the
industry
on
this
bill.
C
A
Thank
you
committee
members.
Any
additional
questions.
A
I
I
They
are
one
of
those
unrepresented
communities
that
I
discussed
earlier
and
we
are
we
look
forward
to
to
their
input
every
time
we
do
an
outreach
or,
I
should
say,
not
an
outreach.
Every
time
we
do
a
new
recruitment
for
a
new
cohort
in
each
one
of
our
apprenticeship
programs.
B
I
just
want
to
thank
you,
madam
chair,
for
your
time
this
morning
and
listening
and
thanking
all
the
committee
members
for
allowing
us
to
present
this
bill,
so
thank
you
very
much.
Thank
you.
Thank.
A
You
and
with
that
we
will
close
the
hearing
on
senate
bill
2
47
and
we
will
open
up
the
hearing
on
senate
bill
248
and
senator
don
darrell
lou
you've
paid
for
your
seat,
so
you
can
sit
there
again.
B
Thank
you
very
much,
madam
chair.
Once
again
and
for
the
record
I
am
marilyn
dondero
loop
and
I'm
representing
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.
B
I'm
pleased
today
to
be
joined
by
sophia
romero,
consumer
protection
attorney
at
the
legal
aid
center
of
southern
nevada
and
bailey
bartlein
statewide
advocacy,
outreach
and
policy
director
of
the
nevada
coalition
of
legal
service
providers
who
will
provide
additional
context
and
details
for
this
bill.
During
the
unprecedent
covet
19
pandemic,
most
states
were
issued.
Lockdown
orders
that
closed
many
workplaces,
the
ensuing
job
losses
have
left
millions
of
workers
without
employer-sponsored
health
coverage.
B
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,
employer-sponsored
insurance
of
these
workers
covered
6.9
million
dependents.
For
a
total
of
14.6
million
affected
individuals,
there
was
also
lots
of
confusion
surrounding
healthcare
with
regards
to
the
covet-19
pandemic.
During
the
course
of
the
pandemic,
thousands
of
nevadans
were
hospitalized
as
a
result
of
coronavirus
and
countless
others
sought
medical
care
for
their
from
their
providers.
B
While
testing
was
provided
free
of
charge,
the
medically
necessary
and
potentially
life-saving
treatment
for
those
with
the
virus
was
not.
Many
people
were
confused
by
this
and
thought
all
medical
expenses
related
to
the
virus
would
somehow
be
covered.
Those
who
have
recovered
from
the
virus
now
face
a
new
set
of
economic
challenges.
B
This
is
especially
true
for
those
who
were
uninsured
at
the
time
of
treatment.
Even
pre-pandemic,
almost
42
percent
of
nevada
households
were
not
covered
by
an
employer,
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
percent,
so
you
can
imagine
getting
the
medical
bill
not
being
able
to
pay
for
it.
B
Having
your
account
going
to
collections,
receiving
harassing
phone
calls
and,
finally
being
sued
by
that
debt
collector,
then,
on
top
of
the
medical
data
debt
that
you
were
already
able
to
pay,
you
now
face
collection
costs
and
fees.
These
fees
are
often
twice
the
amount
of
underlying
debt
itself
and
at
least
one
instance
10
times
the
amount
of
the
original
debt.
B
These
predatory
debt
collection
practices
can
force
people
into
prioritizing
between
paying
the
creditor
or
putting
food
on
the
table
and
many
being
able
to
many
being
able
to
do
unable
to
do
both,
but
that
would
then
forced
in
to
file
bankruptcy.
B
Also,
let
me
be
clear
that
the
people
this
bill
seeks
to
help
are
not
people
who
have
spent
frivolously
or
trying
to
find
a
way
to
out
of
paying
their
debts.
These
are
the
people
who
really
had
no
choice
but
to
seek
un,
seek
necessary
and
sometimes
life-saving
medical
care.
This
bill
does
not
change
the
practices
of
hospitals
or
medical
providers.
B
B
Soon
time
will
tell
how
many
job
losses
are
ultimately
permanent,
resulting
in
the
loss
of
employer-sponsored
insurance
for
workers
and
their
dependents.
Chair
spearman,
before
we
discuss
the
provisions
of
the
bill,
I
would
like
to
turn
over
the
presentation
to
mrs
romero
and
ms
bartolin
to
further
discuss
the
need
for
senate
bill
248.
Thank
you.
A
Sure
and
senator
whoever
you
have
to
present
you
can
just
move
right
to
them.
No
need
to
stop
and
ask
permissions
just
want
to
move
right
to.
We
have
as
a
presenter.
J
Good
morning,
chair
spearman
vice
chair,
neil
and
members
of
the
committee
for
the
record
and
as
senator
dunder
luke
stated,
my
name
is
sophia
romero
and
I'm
a
staff
attorney
in
the
consumer
rights
project
at
legal
aid
center
of
central
nevada.
Thank
you
for
the
opportunity
to
help
present
here
today.
J
Before
I
walk
through
the
bill,
I
would
like
to
thank
senator
dondero
luke
for
bringing
this
very
important
piece
of
legislation.
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
trust
with
others
going
forward
and
see
the
results
of
the
pandemic
unfold.
J
J
J
Finally,
and
perhaps
most
egregiously,
clients
come
to
me
often
when
they
were
covered
by
medicaid
at
the
time
of
their
services,
but
the
debt
collector
is
still
suing
them
in
a
practice
known
as
balance
building
billing,
which
is
strictly
prohibited,
but
these
clients
are
the
lucky
ones.
These
are
the
clients
I
get
to
help,
because
the
debt
collector
is
clearly
doing
something
wrong
that
is
prohibited
by
statute.
J
These
are
the
people
I
get
to
tell
don't
worry,
I
can
help
you,
but
there
are
so
many
others,
so
many
others
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.
It
helps
regulate
the
behavior
of
and
limits
the
fees
charged
by
debt
collectors,
so
that
people
with
no
other
defense
can
at
least
have
a
chance
to
pay
back
their
debt
without
being
forced
into
bankruptcy.
J
One
practice
that
sp248
seeks
to
eliminate
is
debt
collectors,
taking
what
is
known
as
a
confession
of
judgment.
Against
someone
with
an
outstanding
medical
debt,
often
times
consumers
will
go
to
the
debt
collection
office
to
set
up
a
payment
plan.
The
collection
agency
will
say
that
they
have
to
sign
a
document
which
contains
a
payment
schedule.
People
sign
this
thinking.
They
are
entered
into
entering
into
a
payment
arrangement
and
having
no
idea
what
they've
actually
just
signed.
J
Then,
if
they're
even
one
day,
late
and
immediate
instances
when
they
aren't
evenly,
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,
it
means
that
the
debt
collector
can
bring
begin
garnishing
wages,
attaching
bank
accounts
and
and
other
collection
efforts
without
a
judge
ever
having
seen
the
case.
J
J
Nonetheless,
even
in
the
case
of
a
default
judgment,
when
again,
no
litigation
has
happened.
An
underlying
debt
of
six
thousand
turned
into
a
nearly
thirteen
thousand
dollar
debt.
A
688
debt
became
a
2600
debt
and
a
431
debt
became
a
1400
debt
all
based
upon
collection
fees
and
costs,
and
this
was
all
within
the
last
year.
J
These
are
actual
examples
of
cases
brought
by
a
medical
debt
collector
in
the
year
2000,
even
when
the
consumer
interiors
into
a
payment
plan
or
confession
of
judgment,
once
the
judgment
is
entered,
fees
or
excuse
me
are
filed
with
the
court
fees
are
charged.
Turning,
for
example,
a
twenty
eight
hundred
dollar
debt
into
a
seven
thousand
dollar
debt.
J
These
abusive
debt
collection
practices
are
the
practices
that
sb
248
intends
to
regulate.
So
with
that,
I
will
go
through
the
sections
of
the
bill.
Sb
248
is
a
fairly
simple
and
straightforward
bill
sections
one
through
six
contain
the
definitions.
J
Section
seven
talks
about
notice,
so
this
section
requires
a
collection
agency
at
least
60
days
before
taking
any
action
to
collect
on
a
medical
debt
to
provide
a
written
notice
to
the
person
who
owes
a
medical
debt.
This
notice
has
to
include
the
name
of
the
health
care
provider,
medical
facility
or
provider
of
emergency
medical
services
for
which
the
debts
owed,
so
in
other
words,
where,
where
did
they
get
treatment?
Where
did
they
get
services?
J
They
are
prohibited
from
commencing
civil
action
to
collect
the
medical
debt
if
the
medic,
if
the
amount
of
the
medical
debt,
excluding
attorney's
fees,
collection,
cost
insurance
or
any
other
fees
and
costs.
So
just
the
underlying
amount
of
the
medical
debt
is
less
than
ten
thousand,
which
is
the
maximum
jurisdictional
amount
of
the
justice.
Excuse
me
for
the
small
claims
court.
J
Our
charging
collection
fee
or
collecting
a
fee
more
than
five
percent
of
the
amount
of
medical
debt.
So
with
that,
thank
you
so
much
chair
spear
vice
chair,
neil
and
members
of
the
committee.
Thank
you
for
your
time
today
and
being
allowed
to
speak
here
and
I
am
available
for
any.
G
Please
hailey
portalin
for
the
record
representing
the
nevada
coalition
of
legal
service
providers.
I
am
just
here
to
help
answer
questions
as
well.
I
would
note
that
this
proposal
does
not
affect
hospitals
or
medical
providers,
because
those
are
covered
elsewhere
in
the
statute,
so
we're
specifically
dealing
with
when
debt
is
turned
over
to
a
debt
collector.
A
Thank
you.
I
see
senator
pickard
and
leicester,
neal
and
senator
sotomayor,
so
senator
pickard.
H
Thank
you,
madam
chair.
I
am
interested
well.
I
was
surprised
actually
that
you
referenced
the
pandemic
as
the
basis
for
this,
because
this
obviously
isn't
a
temporary
measure.
H
So
I'd
I'd
like
some
clarity
on
why
it
was
that
just
because
the
pandemic
kind
of
brought
this
to
a
head
or
is
there
some
connection
there?
But
my
my
main
question
comes
in
section
eight.
Well,
actually
before
that
we've
got
section
seven.
Why
are
we
preventing?
Because
presumably
the
collections
action
typically
most
of
the
collections?
Don't
start
until
they're
30
60
90
days
behind
anyway,
because
in
my
experience
and
and
that's
recently,
I
had
a
pacemaker
installed.
H
But
before
that
I
went
into
cardiac
arrest
in
louisiana
and
had
a
13
000
bill
because
it
was
misdiagnosed.
H
But
I
would
work
that
out
with
the
the
providers,
the
the
ambulance
providers,
the
the
paramedics
that
showed
up
they
weren't
covered
because
it
was
not
properly
diagnosed,
and
so
I
had
to
work
that
out
with
them
and
it
never
went
to
collections
so
we're
adding
60
days
to
the
start
where
before
they
can
actually
start
the
process.
So
that's
probably
putting
out
four
five.
Six
months,
what's
the
rationale
for
adding
60
days
to
the
to
the
time
that
these
providers
would
get
paid.
G
Bailey
bordelin
for
the
record,
I
will
start
and
then
I
will
ask
miss
romero
to
jump
in
first
senator,
I'm
glad
you
seem
to
be
doing
better.
I
hope
you're,
okay,
I'm
breathing
good.
I
I
want
to
address
the
first
part
of
your
question
about.
Why
did
we
mention
the
pandemic?
So
you
are
correct.
G
I
think
what
the
pandemic
has
done
is
highlighted
the
need
for
these
consumer
protections
and
that
on
a
larger
scale
in
our
community,
more
people
are
facing
this,
and
so
when
we
at
legal
aid,
look
at
our
clients
and
what
we're
facing
and
what
people
are
in
today's
day
and
age,
calling
looking
for
help
on
we've
seen
a
drastic
increase
in
people
calling
for
medical
debt,
it
started
early
in
the
pandemic.
I
think
there
was
some
confusion
when
the
government
announced
that
testing
would
be
free.
G
There
was
some
mistranslations
of
that
that
we've
experienced
where
people
thought
well:
okay,
because
I've
been
affected
by
the
pandemic.
The
government's
going
to
take
care
of
this,
I'm
okay
to
seek
medical
care,
and
they
were
wholly
unaware
that
this
was
accompanied
by
medical
debt
once
they
were
released
from
the
hospital
and
that
that
testing
piece
that
was
free
at
the
very
beginning
did
not
carry
through
to
the
end
of
their
care.
G
So
we
have
already
seen
a
drastic
increase
in
people
needing
to
file
for
bankruptcy
and
needing
help
with
how
to
condense
their
debt,
how
to
figure
out
what
the
path
forward
is
here,
and
we
only
expect
that
to
increase
as
we
continue
to
weed
our
way
through
it.
So
as
to
the
notice
requirement
I'll
ask
mr
romero
to
jump
in.
J
J
So
the
reason
for
the
notice
requirement
is
because
there's
currently
nothing
requiring
a
debt
collector
to
provide
any
type
of
notice
to
a
consumer
once
they've
obtained
that
debt,
so
let's
say,
for
instance,
under
surgery,
you
have
an
anesthesiologist,
but
you
don't
know
who
your
anesthesiologist
is
prior
to
the
surgery,
the
day
of
surgery
right
you
meet
them
there
when
you're
getting
ready
to
be
operated
upon.
J
You
don't
know
if
that
anesthesiologist
is
covered
under
your
insurance
or
or
what
maybe,
that
type
of
billing
issues
may
arise
after
that.
Additionally,
you
may
not
even
remember
the
name
of
your
anesthesiologist,
because
you're
nervous
about
your
surgery,
so
just
for
this
example,
let's
say
that
anesthesiologist
bills
or
something
happens,
you
don't
get
it
whatever
and
then
all
of
a
sudden
or
you're
unable
to
pay
and
all
of
a
sudden,
your
debt
is
turned
over
to
a
debt
collector.
J
They
have
no
requirement
to
say
hi
we're
the
debt
collector
for
so-and-so,
and
so
so
you
can
just
receive
a
summons
and
complaint
and
begin
being
sued
and
have
no
idea
who
is
suing
you
or
for
why
and
or
why,
and
so
that
is
part
of
the
rationale
for
having
to
put
the
notice
requirement
in
there
and
give
people
a
chance
to
say
to
call
our
insurance
and
say
hey.
This
was
supposed
to
be
taken
care
of.
Why
am
I
in
collections?
Give
people
a
chance
to
see?
Does
my?
J
Does
the
hospital
offer
some
type
of
financial
assistance
program,
for
example,
here
in
las
vegas,
the
st
rose
hospitals
because
they're
non-profits
they
offer
financial
assistance
so
that
people
have
a
chance
to
get
proactive
and
and
really
say
hey.
This
is
in
collections.
I
need
to
do
something
about
this,
or
you
know,
at
least
at
that
point:
try
to
start
seeking
what
their
options
can
be.
H
Right,
I
appreciate
that.
I
I
think,
though,
that
that's
a
little
surprising
that
you
would
suggest
that
this
person
is
suddenly
surprised
by
the
bill,
because,
before
anything
is
sent
to
collections,
the
provider
through
their
billing
operation
is
trying
to
work
with
them.
Typically
for
several,
you
know
two
three
months
before
it
sets
to
collection.
Generally
speaking,
it'll
go
to
collections
only
after
they've
made
the
attempt
and
the
patient
hasn't
paid,
whether
or
not
they
could
or
not.
H
H
H
H
That's
not
how
this
works,
so
all
this
really
does
is
delay
by
60
days,
but
I
don't
want
to
belabor
that
because
my
main
question
is
on
section
8,
where
under
section
1
a
confession
judgment
and
unless
you're
dealing
with
judgments
and
litigation,
people
generally
don't
know
what
a
confession
of
judgment
is,
and
the
state
bar
requires
us
to
outline
in
in
some
great
detail
to
the
recipient.
H
What
that
confession
to
judgment
is-
and
all
that
is,
is
the
the
confession
on
the
part
of
the
the
obligor
that
they
owe
the
they
owe
the
bill.
So
if
this
thing
does
have
to
go
to
litigation,
they
don't
have
to
the
the
the
provider,
doesn't
have
to
prove
that
you
were
the
person
that
got
the
bill
or
got
the
service.
H
But
what
this
then
does
is
it
forces
them
to
go
straight
to
litigation,
because
you've
taken
away
the
ability
to
to
do
a
confession
of
judgment
and
then
merely
try
to
work
out
how
it's
gonna
get
paid,
because
if
this
goes
to
litigation
it's
because
they
haven't
voluntarily
entered
into
a
payment
plan,
so
they're
trying
to
kind
of
force
some
payment.
G
Bailey
bordelin
for
the
record.
I
do
want
to
address
the
first
part,
and
then
I
will
have
mr
romero
address
the
confession
of
judgments
piece.
G
G
There's
a
lot
of
moving
pieces
to
the
financial
crisis
that
someone
is
experiencing
that
can
make
them
hard
to
get
in
touch
with,
and
so,
especially
that
address
piece.
We
often
see
that
the
mail
was
not
going
to
the
place
that
they
have
moved
because
they
were
evicted
or
because
they
were
no
longer
able
to
sustain
that
housing
piece,
and
so
I
think
that's
why,
in
our
experience,
people
do
feel
surprised,
there's
a
lot
of
layers
to
that
surprise,
but
I
think
you're
correct
that
for
a
lot
of
us
in
our
lives.
J
For
the
record,
sophia
romero
threw
you
chair
spirit
to
senator
senator
pickard,
with
the
confession
of
judgment.
J
The
abuses
from
the
confession
of
judgment
are
almost
unreal.
People
sign
a
confession:
judgment
thinking,
they're
signing
a
payment
plan,
they're
not
doing
so
in
front
of
a
lawyer,
they're
not
normally
doing
so
at
the
collection
office.
They
think
they're
signing
a
payment
plan.
They
don't
realize
they're
signing
a
piece
of
paper
that
can
then
just
go
and
be
filed
with
the
court,
and
now
they
have
a
judgment
insert
against
them,
and
now
they
are
open
to
debt
collection,
to
wage
garnishment
to
bank
account
attachment
to
other
debt
collection
methods.
J
People
do
not
realize
people
are
going
in
trying
to
enter
into
a
payment
plan
so
by
forcing
by
by
removing
the
confession
of
judgment,
you're
not
taking
away
a
piece
of
non
non-litigation
kind
of
you're,
not
taking
away
like
a
tool
for
people
to
avoid
litigation.
J
You
know
the
costs
and
people
have
a
chance
to
enter
into
a
defense
and
objective
costs
and
fees
and
you're
skipping
right
to
the
judgment
where
people
are
not
going
to
get
garnish
and
going
to
get
their
bank
accounts
attached,
and
this
does
not
prevent
nothing
in
this
bill
prevents
a
debt
collection
agency
from
entering
into
a
normal
payment
claim
of
somebody
who's
trying
to
pay
their
bills.
There's
no.
Nothing
in
here
prevents
that,
but
that
does
prevent
is
the
abuses
that
we
see
with
the
confessions
of
judgments.
J
We
even
see
confessions
of
judgments
when
people
that
have
been
filed
when
people
are
paying
their
bills,
and
you
know,
of
course
somebody
comes
in.
We
are
like
okay
now
we
have
to
call
xyz
debt
collection
attorney
and
try
to
get
that
debt
collection
attorney
to
withdraw
the
confession
of
judgment,
and
that
is
its
own
nightmare
in
and
of
itself,
because
debt
collection
attorneys
have
huge
caseloads
and
this
to
try
to
get
a
debt
coaching
attorney
to
go
back
and
look
through
their
records
and
say:
okay,
this
person
wasn't
really
late.
J
Now
we
filed
this
confession
of
judgment
against
them
and
then
get
them
to
file
something
in
court.
To
remove
that
that
confession
to
judgment
is
extremely
difficult
and
again
these
people
are
now
subject
to
wage
garnishment
and
other
issues
that
they
would
have
been
subject
to
had
they
not
signed
a
confession
of
judgment
nine
times
out
of
ten.
They
had
no
idea
what
they're
signing
they
thought.
They're
signing
a
payment.
H
Plan
sure
and-
and
I
appreciate
that-
and
I
don't
want
to
suggest
that
the
legal
system
isn't
abused,
I
mean
we've
all
seen:
litigation
used
as
a
weapon
as
a
spear
instead
of
a
shield.
I
I
just
I
I
don't
want
to
suggest
that
abusive
litigation
tactics
should
be
tolerated.
I
I
don't,
but
let's
not
forget
that
a
confession
of
judgment
is
merely
the
obligors
confession
or
admission
that
they
are
responsible
for
the
debt.
H
That's
as
far
as
it
goes,
so
that
in
litigation,
if
it
does
have
to
go
there,
the
the
provider
doesn't
have
to
prove
that
this
person
actually
received
the
benefit.
My
last
question
and
thank
you
for
your
indulgence,
madam
chair.
It
has
to
do
with
section
8,
sub,
2
and
3,
where
in
sub
2
we're
saying
you
can't
collect
costs.
If
it's
below
a
10,
000
claim
and
ins
three,
you
can't
collect
more
than
five
percent
of
the
debt.
H
If
it
does
exceed
that,
this
will
significantly
limit,
because
attorneys
aren't
going
to
private
attorneys,
aren't
going
to
take
these
cases
if
they
can't
get
paid
so
you're
going
to
essentially
make
these
providers
do
it
on
their
own
or
do
without
which
is
going
to
raise
the
cost
of
everyone
else,
because
they've
got
to
recoup
their
costs
they
they
have
to,
and
so
how
is
it
that
these
help
the
people
that
you're
trying
to
to
help,
unless
it's
just
to
open
a
door
to
prevent
bankruptcy,
but
at
the
same
time
provide
an
avenue
for
non-payment
which
just
raises
the
cost
for
the
rest
of
us?
J
Sophia
romero,
for
the
record,
through
you,
chair,
spiegel
to
senator
pickard
just
for
clarification
purposes,
you
keep
saying
that
the
provider
will
have
to
fight
will
have
to
sue
or
the
provider
this.
This
has
nothing
to
do
with
the
actual
medical
provider.
H
A
debt
collector
right,
but
what
you're
going
to
do
is
you're
going
to
make
the
debt
collector
say
hey
if
this
bill
is
only
6
000,
I'm
not
taking
it
because
I'm
not
getting
paid.
So
it
means
the
provider
then
has
to
sue
under
in
small
claims
court,
because
you
don't
get
your
claims
or
your
attorney's
fees
paid
or
it
forces
them
to
charge
the
provider
for
those
costs
that
they
don't
get
recoup
either
way
the
providers
getting
the
bill.
J
So
senator
once
these
are
sold
to
a
debt
collection
agency
or
debt
buyer,
the
provider
has
already
written
them
off
their
books.
The
provider
is
not
going
to
go
back
and
and
sue,
and,
and
so
the
this
this
change
this
bill
changes
nothing
on
the
provider's
end
of
things.
This
is
strictly
focused
on
the
debt
collection
side
of
things
and
again
with
the
confession
of
judgment.
They
do
not
induce
litigation,
they
are
the
end
of
litigation.
J
It
is
an
official
judgment
that
has
been
injured
so
so
a
litigation
process
would
not
start
once
a
confession
of
judgment
was
entered,
that
that
judgment
would
then
just
be
acted
upon
a
garnishment
or
attachment
issue.
So
just
two
points
of
clarification:
there.
G
J
As
far
as
limiting
the
confession
of
judgment
limiting,
so
debt
collectors
now
represent
themselves
in
small
claims.
These
are
debt
collection
agencies.
It
would
be
the
debt
collector.
This
is
not
a
provider
going
to
small
claims.
Court
debt
collectors
now
can
represent
themselves
in
small
claims
court
and
so
and
I'm
sorry,
I
I
forgot
the
second
part
of
your
question.
H
Oh,
it's
the
just
the
limitation
of
the
five
percent.
I
just
my
point
is
this
that,
as
what
you're
describing
you
know,
litigation
does
continue.
The
garnishment
effort
is
a
is
the
second
part
of
litigation
it
continues,
and
so
what
we're
gonna
do
is
we're
gonna,
make
it
hard
for
collection
agencies
who
come
at
the
very
end
of
the
debt
collection
process
right.
H
The
providers
are
trying
to
collect
all
the
way
up
to
the
point
that
it
goes
to
the
collection
agency,
because
you're
right,
they
will
write
it
off
their
books,
but
they
do
hope
to
get
usually
50
of
that
claim
back,
but
by
eliminating
the
ability
or
or
severely
hampering
the
ability
of
the
debt
collection
agency
to
collect
anything
on
this
bill.
You're
going
to
end
up
forcing
the
the
the
providers
to
write
it
off,
give
it
up
and
raise
the
cost
for
everyone.
I
just
I
I
think
you're
anyway,
I
I'm
done
madam
chair.
A
Thank
you
so
we'll
go
now
to
vice
chair
neil
and
those
of
you
responding
to
questions
just
go
straight
to
the
committee
member.
You
don't
have
to
go
through
me.
Okay,.
G
Senator
spearman,
if
I
could
give
a
really
important
clarification,
bailey
bortland
for
the
record,
I
just
want
to
be
clear:
it
does
not
prevent
them
from
collecting
it
just
prevents
them
from
collecting
in
that
manner,
so
they
still
have
access
to
collect
on
that
debt
through
the
small
claims
court,
just
as
they
already
do,
it's
just
specifically
directing
them
through
the
small
claims
part.
A
Thank
you
thank
you
for
that.
We
have
now
vice
chairman.
E
Thank
you,
chair
spearman,
so
I
had
a
question
and
it
kind
of
gets
into
some
of
the
conversation
you
were
having
with
senator
pickard.
So
when
I
was
looking
at
section
seven,
what
I
didn't
see-
and
I
think
that
you
have
a
provision
in
here-
that's
speaking-
to
the
charge
off
when
it
goes
to
a
third
party.
E
But
you
don't
put
any
parameters
around
the
charge
off
because
it
could
go
to
a
third
party
at
maybe
30
percent
of
the
debt
or
40
percent
of
the
debt.
And
then
the
collection
agency
could
be
charging
70
right,
but
it
could
have
been
charged
off
for
pennies
on
a
dollar.
E
Are
you
at
all
trying
to
engage,
or
at
least
get
the
information
on
how
much
the
charge
off
actually
was.
J
So
vice
chair,
neil
sophia
romero,
for
the
record.
Thank
you
for
the
question.
So
the
third
party
insurance
is
it's
essentially
talking
about.
We
have
billed
your
insurance
or
we
have
built
some
other
type
of
third
party.
You
know
medicaid
medicare,
whatever
it
is,
and
and
this
is
either
the
balance
or
the
or
they're
they're
just
required
to
say
hey.
You
know
we're
we're
waiting
to
to
get
the
we're
waiting
to
hear
back
from
your
insurance
company,
whether
they're
going
to
cover
this
or
not.
E
Yeah
I
understand
that,
but
what
I've,
what
I'm
asking
about
is
when
it's
been
charged
off
to
another,
so
there
could
be
four
people
in
line
of
a
debt
right,
the
original
provider
who
charged
it
the
second
collector
who
picks
it
up,
and
then
there
could
be
a
third
party
collector,
who
picks
it
up
and
they
purchase
the
debt
for
pennies
on
the
dollar.
So
by
the
time
you
see
it,
it
says
recovery
associates
or
whatever
right,
and
then
you
don't
know
how
much
recovery
associates
paid
for
the
debt
from
the
second
party.
J
Thank
you
for
the
clarification
of
vice
chair,
neil
sophia.
Remember
for
the
record.
No,
this
bill
does
not
address
that
issue
at
all.
This
would
only
be
the
balance
of
what
what
the
provider
says
that
they're
on
the
hook
for
it
it
wouldn't
matter
if
debt
collector
a
b
c
d
subsequently
purchase
the
debt
for
less
and
less
pennies
on
the
dollar
each
time,
so
that
that's
not
addressed
here.
E
So
I
brought
that
up
because
you
guys
keep
bringing
up.
You
know
people
of
color,
low-income
people
and
that's
typically
how
they
get
caught
right,
because
the
second
collector
or
the
third
collector
is
actually
trying
to
get
the
full
debt
amount
from
them
versus
the
amount
that
they
paid
for
the
debt,
and
so,
if
you're
really
trying
to
help
communities
of
color
and
low-income
people
to
me,
that
is
the
segway
right,
because
they
don't
know,
maybe
it
got
lost
in
the
mail,
and
maybe
you
know
the
debt
was
900.
E
J
Sophia
romero
for
the
record
vice
chair
nail,
I
absolutely
understand
what
you're
getting
at,
and
I
wish
that
we
could
do
that.
I
wish
that
that
there
would
be
legislation
brought
forth
to
try
to
figure
out
what
debt
collectors
are
paying
on
these
and
try
to
limit
the
recovery
into
into
what
they
were.
Actually
you
know
what
they've
actually
paid
this
piece
of
legislation
does
not
do
that.
J
I
I
agree
with
you
wholeheartedly
that
that
would
be
amazing,
but
just
for
another
example
of
you
know
recently,
I
believe
it
was
earlier.
This
year
there
was
somebody
who
had
a
thousand
dollar
medical
debt
and
the
court
awarded
ten
thousand
dollars.
J
An
attorney
speaks
on
medical
debt,
they
had
to
be
re-taxed
and
it
was
so
so
the
attorney's
fees
were
reduced,
but
that
is
ten
to
one
on
the
amount
of
the
debt
and
versus
the
attorney's
fees
being
charged
and
these
types
of
practices
it
doesn't
even
give
people
a
fighting
chance.
You
can
try
to
pay
back
a
thousand
dollars.
E
So,
madam
chair,
I
have
a
quick
second
question,
so
for
the
so
in
section
8,
sub,
1,
the
power
of
attorney
language,
I
needed
to
understand
the
real
interplay
of
when
the
power
of
attorney
kicks
in.
That
goes
to
a
third
party,
because
what
I'm
trying
to
understand
are:
is
this
bill
going
to
then
amend
language
or
standard
language?
That's
in
a
provider
contract
for
services
that
now
they
have
to
eliminate
the
debt
language
which
says
that
you
know
if
you
fail
to
pay
the
debt
and
you're
you're
responsible
for
this
debt.
J
Vice
chair,
neil
sophia
romero,
for
the
record.
No,
we
don't
perceive
that
this
would
change
the
contract
language
at
all,
because
typically
people
do
not
sign
a
confession
of
judgment
or
power
of
attorney
until
the
the
debt
has
already
been
turned
over
to
a
collection
agency
and
they
are
trying
to
work
out
a
payment
plan
or
something
of
the
like.
So
so,
no
it
will
it
will
not.
J
I
don't
believe,
affect
the
contractual
language
in
the
providers,
documentation,
saying
hey
if
your
insurance
isn't
paid-
or
you
know
you
are
financially
underlying
responsible
for
this
debt,
because
that
is
still
true
right,
they're
still
responsible
for
the
debt
and
we're
just
trying
to
give
them
a
chance
to
be
able
to
pay
the
underlying
medical
debt
without
being
bogged
down
in
all
the
fees
and
costs
attached.
D
H
D
J
Sophia
romero
for
the
record.
Thank
you
senator
for
the
question.
Currently,
it
does
not
define
any
parameters,
it
just
requires
that
notice
be
sent.
It
does
not
require
that
bits
be
sent
certified,
but
that
is
certainly
something
we
can
look.
A
Done
so
I
don't.
I
don't
know
that
this
is
necessarily
a
question,
but
I
wanted
to
read
read
something
that
was
in
the
washington
post
february
17th
and
it's
a
long
article
talking
about
what's
going
on
in
the
pandemic,
and
I
think
what
senator
dunder
loop
alluded
to
in
her
opening
statement
was
that
there
are
people
who
have
been
disproportionately
affected
by
the
virus
and
many
of
them
are
going
to
have
a
hard
time
coming
back.
A
So
this
is
what
research
that
washington
post
has
one
problem
for
many
unemployed
people
is,
they
lack.
The
money
to
train
crisis
is
getting
out
of
work
for
nearly
a
year.
The
financial
support
from
unemployment
and
steps
is
often
not
closed.
I
don't
know
if
that
captures
the
essence
of
of
this
bill
or
not,
but
there
there
will
probably
be
a
lot
of
other
instances
where,
where
people
may
have,
they
have
trials
and
tribulations
and
they
will
need
additional
help.
A
But
I
think
back
to
tim
o'callaghan
with
his
hoa
then
trying
to
spar
with
them,
and
he
said
I
know
I
have
the
means
and
a
lot
of
people
in
the
community
know
me-
and
I
know
me,
and
so
I
was
able
to
resolve
it,
but
there
are
a
lot
of
people
who
don't
so.
I
guess
the
question.
The
question
really
would
be
how
how
will
people
know
that
this
service
exists?
A
G
Bailey
portland
for
the
record.
Thank
you,
chair
spearman.
I
think
that's
exactly
right
and
why
we
came
from
a
consumer
protection
angle.
G
We
can't
forgive
the
debt
and
there
is
a
lot
happening
at
the
federal
level,
but
what
a
lot
of
state
legislatures
across
the
country
are
doing
is
looking
at
what
consumer
protections
can
be
enacted
to
ensure
that
recovery
is
fair
and
balanced
and
allows
people
the
opportunity
to
recover
that
time
is
really
essential
and
important
that
this
isn't
a
further
crisis
in
someone's
life
that
prevents
them
from
being
able
to
continue
forward.
G
So
it
is
that
we
are
on
a
recurring
basis,
seeing
situations
where
someone
couldn't
pay
the
one
thousand
dollars
they
simply
couldn't.
It
goes
to
collections
and
by
the
time
it's
being
collected,
it's
ten
thousand
dollars
and
so
reigning
in
those
additional
ways
that
the
amounts
are
multiplied
had
they
been
able
to
pay
initially
they
would
have
had
they
been
able
to
negotiate
that
originally
they
would
have.
G
But
it's
be
it.
The
crisis
that
they're
experiencing
that's
causing
them
to
not
be
able
to
answer
their
phone
or
to
be
moving
or
just
the
simple
inability
to
pay
all
of
that
at
once.
That
is
leading
this
to
become
a
greater
barrier
that
they
may
not
be
able
to
financially
recover
from,
and
that's
why
we
are
seeing
an
increased
amount
of
bankruptcy.
That's
why
we're
seeing
an
increased
amount
of
financial
crisis,
and
we
believe
that,
without
forgiving,
the
debt,
which
is
a
power,
I
don't
have
the
ability
to
do.
G
A
C
F
Good
morning,
chair
and
members
of
the
committee,
my
name
is
tess
opferman,
that's
spelled
o-p-f-e-r-m-a-n
speaking
on
behalf
of
the
nevada
women's
lobby.
We
want
to
thank
senator
dondero.
We
loop
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
sort
of
medical
debt.
F
That's
one
in
five
people,
low
income
individuals
may
struggle
to
pay
for
their
medical
expenses,
so
they
don't
pay
them
at
all,
and
then
these
bills
become
increasingly
more
expensive,
creating
a
dangerous
downward
cycle.
No
medical
debt
needs
to
be
paid.
There
also
need
to
be
some
protections
to
ensure
we
are
not
costing
low-income
families
extraordinary
amounts
on
top
of
their
original
medical
expenses.
This
is
a
critical
consumer
protection
bill.
We
urge
your
support
and
thank
you
for
your
time.
This.
C
L
Good
morning,
chair
members
of
the
committee,
my
name
is
maria
teresa
lieberman,
that
m
a
r
I
a
hyphen
t
e
r
e
s,
a
l,
I
e
b
e
r
m,
a
n
hyphen
p-a-r-r-a-g-a,
and
I'm
here
with
battleborn
progress
in
support
of
sb
248
and
thank
senator
dondera
loop
for
bringing
this
forward
before
having
great
insurance.
Many
years
ago
I
was
one
of
those
these
nevadans
that
would
be
would
have
benefited
by
this
type
of
legislation.
L
There
was
a
moment
in
my
life
where
I
had
to
crawl
my
way
out
of
significant
medical
debt
because
of
an
emergency
that
was
not
covered
by
my
insurance.
At
the
time
I
had
no
idea
no
education,
no
knowledge
on
or
ability
to
navigate
this
problem,
and
that's
the
case
with
many
nevadans
today
and
the
process
is
difficult
and
we
should
always
help
those
that
need
this
type
of
help.
L
C
C
L
Good
morning,
cher
good
morning,
good
morning,
members
of
the
committee-
this
is
attorney
roberta
ollinger,
johnson,
o
h,
l
n
johnson
standard
spelling.
I
wanted
to
I'm
calling
in
this
morning.
I
am
an
attorney
debt
collector
and
I'm
also
the
legislative
chair
of
cran,
which
is
the
creditors
rights
attorney
association
nevada.
L
L
That
includes
the
30-day
dunning
and
the
verification
requirement.
It
appears
that
that
really
wasn't
brought
forward
in
the
testimony.
So
we
are,
we
will
be
supplementing
with
a
full
opposition,
but
I
did
want
to
make
sure
that
the
record
was
clear
on
that
and
I
thank
you
all.
We
would
we're
happy
to
answer
questions
as
well
as
to
offer
our
assistance
on
federal
regulations
of
the
debt
collection,
industry
and
thank
you
bye-bye.
A
Thank
you
committee
members.
Any
additional
questions.
A
Let's
see
here
and
I'm
not
sure
who
will
answer
this
sophie
or
bailey
I'm
trying
to
understand
this
is
this:
is
an
extra
consumer
protection
layer
of
due
process
for
the
individual
who
who
owes
the
money?
I
hope
I
hope
I'm
stating
that.
J
Clearly,
madam
chair
sophia,
romero
for
the
record.
Yes,
this
is
a
an
extra
layer
of
protections
for
consumers.
This
is
in
addition
to
that,
the
fair
debt
collection
practices
act,
which
does
not
contain
any
of
the
provisions,
as
you
would
see
in
this
bill.
These
are
additional
provisions
applying
to
debt
collectors,
specifically
here
in
nevada,
on
on
specific
medical
debt,
not
just
any
type
of
general
debt
collection.
So
hopefully
that's
clarifying
your
question,
but,
yes,
it
is
just
an
extra
layer
of
production.
A
Okay,
senator
dondero
loop,
any
closing
remarks.
B
Thank
you,
madam
chair,
and
I
appreciate
your
time
this
morning.
You
know
I
just
wanted
to
give
one
little
personal
story.
B
Several
years
ago
I
received
a
call
for
from
a
debt
collector
for
somebody
named
valerie,
and
I
have
to
tell
you
the
more
I
told
them
that
I
wasn't
valerie
the
matter
they
got
and
I
started.
I
got
letters
in
the
mail
to
valerie
and
I
tried
to
contact
them
and
they
were
sure
I
was
valerie
and
to
this
day,
once
in
a
while,
I
get
a
text
message
to
somebody
for
valerie
from
it
could
be
from
home
depot.
B
It
doesn't
matter
so
somebody
has
put
a
number
in
there
incorrectly
for
some
reason,
and
I
just
have
to
tell
you
it
would,
and
I
had
the
means
to
correct
it
and
knew
it
wasn't
me,
but
I
just
think
it's
important
that
we
move
forward
in
this
most
unusual
time
that
we're
in
with
the
medical
issues
that
people
have
had
so.
That
concludes
my
presentation.
B
Thank
you
for
the
opportunity
to
present
senate
bill
248,
and
I
urge
your
support
and
thank
you
very
much
to
mrs
bortland
and
ms
romero.
A
Thank
you
thank
you
and
with
that
we
will
close
the
hearing
on
senate
bill
248
and
we'll
open
it
up
now
for
a
public
comment.
Podcast
will
take
a
couple
minutes
of
a
comment
now.
C
C
A
Okay,
so
we
will
close
out
public
comment
and
I
just
want
to
say
to
all
the
committee
members
thanks
for
for
being
so
in
depth
this
morning.
You
want
to
remind
everyone,
who's
listening
if
you
have
a
if
you
have
a
bill
and
it
needed
an
amendment
or
there
were
some
questions
on
it
and
it's
in
this
committee
matter
of
fact,
any
committee
make
sure
that
you
take
care
of
that
because
april
the
9th
is
the
last
day
that
bills
can
come
out
of
committees
for
those
on
the
committee.
A
We
will
be
meeting
monday,
tuesday,
wednesday,
thursday
and
friday
of
this
week,
because
we
have
so
many
bills
and
we
want
to
try
to
get
as
many
covered
as
we
can
already
had
to
look
at
some
bills
and
and
if
they
were
similar
in
nature
to
others,
had
to
kind
of
put
them
on
the
back
burner.
A
If
we
get
a
chance,
if
we
get
through
the
bills
that
we
have
right
now-
and
there
is
time,
then
we
will
try
to
hear
some
more
bills,
but
we're
meeting
every
day
this
week
and
maybe
every
day
next
week,
but
want
to
make
sure
that
we're
doing
our
due
diligence
and
getting
the
the
bills
heard
and
out
of
our
committee.
So
with
that
we're
going
to
adjourn
and
see
you
back
here
at
eight
o'clock
tomorrow,
we're.