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From YouTube: 5/3/2023 - Assembly Committee on Commerce and Labor
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A
And
I'm
here
please
mark
Mr,
Speaker,
Epson
excused
and
Mark
members
present
once
they
arrive,
welcome
everyone
here
in
Carson
City,
anyone
in
Las
Vegas
and
everyone
listening
over
the
phone
lines.
Today
we
will
hear
four
bills:
Senate
built
40,
Senate,
Bill,
57,
Senate,
Bill,
355
and
Senate
bill
386..
Before
we
get
started,
I
would
like
to
make
a
few
housekeeping
announcements.
Please
turn
off
or
silent
all
your
electronic
devices.
If
you
wish
to
testify,
please
sign
in
by
the
door.
If
you
have
a
business
card,
please
provide
one
to
the
secretary.
A
If
you
have
handouts
for
the
committee,
please
provide
20
copies
to
the
committee
secretary
prior
to
your
testimony
for
those
testifying
online,
please
be
sure
to
mute
your
microphone
when
testifying.
Please
turn
on
your
microphone
and
clearly
State
and
spell
your
name
for
the
record.
I
expect
courtesy
and
respect
in
all
our
interactions,
and
with
that
we
will
go
to
our
first
agenda
item.
C
C
D
Thank
you,
chair
marzola
members
of
the
committee
for
the
record,
Stevia
kroth
administrator
of
the
Nevada
housing
division,
proud
to
introduce
and
present
SB
40,
which
is
what
we're
referring
to
as
the
manufactured
housing,
modernization
Bill.
D
Ultimately,
it
will
streamline
our
operations
and
expand
our
lot
run.
Subsidy
eligibility
requirements,
the
division
and
specifically
Mr
Tim
wittright,
who
is
my
co-presenter
down
in
Las
Vegas,
has
worked
a
number
of
years
in
the
creation
of
this
bill,
engaging
many
of
our
manufactured
housing
ecosystem
Partners
to
ensure
that
we
are
capturing
their
needs.
So
I
will
now
turn
it
over
to
Mr
wittright
in
Las
Vegas.
To
present
the
bill.
E
Take
me
straight
acroth
and
good
afternoon
to
our
committee,
chair
assembly,
woman,
marzola
and
members
of
the
committee.
Again,
my
name
is
Tim
wittright
Deputy,
Administrator
housing,
division
out
of
the
Las
Vegas
office,
as
Mr
akroth
mentioned
I
I
am
pleased
to
outline
the
key
points
and
benefits
of
Senate
Bill
40.
How
we're
going
before
going
through
that
just
want
to
briefly
mention
that
17
of
the
26
amendments
involved,
primarily
just
one
Amendment,
and
that
is
to
establish
a
consistent
reference
to
a
certificate
of
title.
E
E
Again,
as
noted
in
our
overview,
housing
division
has
worked
over
the
past.
It's
been
four
years
actually
maybe
four
years
plus
to
develop
a
culture
of
partnership
in
our
role
in
regulating
manufactured
housing
for
the
state
of
Nevada.
We
have
listened
to
our
partners
and
customers
and
have
collectively
developed
the
framework
for
what
is
now
represented
in
Sp
40..
E
Our
goals
include
enhancing
communication
and
coordination
with
our
partners
and
customers,
increasing
efficiency
and
Effectiveness.
Creating
and
supporting
customer
friendly
processes,
reducing
consumer
costs
and
removing
barriers,
I
said
again
removing
barriers
to
the
use
of
existing
and
future
technology
to
help
us
achieve
these
desired
improvements,
so
improve
service
sb40
will
improve
and
support
service
to
the
public
by
allowing
electronic
distribution,
submittal
and
processing
of
applications.
The
supporting
documents,
as
well
as
the
delivery
of
those
products.
Now
this
will
positively
impact
licensing,
titling
permits
and
inspections,
plans,
review,
reporting
and
other
related
manufactured
housing
functions.
E
It's
just
the
use
of
email,
for
example,
for
sending
accepting
and
processing
will
enhance
communication
and
coordination
and
provide
greater
access
to
our
services.
Customers
will
be
able
to
complete
applications,
make
payments
online
and
submit
via
email
applications
and
documents
can
also
be
sent
to
multiple
parties
to
ensure
that
there
is
coordination.
E
Now
the
use
of
this
current
technology
will
eliminate
or
reduce
travel
fees,
mailing
and
Postage,
and
limiting
incidence
of
lost
mail
intercourse.
The
documents
within
that
mail,
while
saving
time
so
in
supporting
Partnerships
sb40,
will
positively
impact
our
industry
professionals,
including
dealers,
manufacturers,
lenders,
title
companies,
lien
holders
and
our
government
Partners,
such
as
our
assessors
building
and
planning
departments.
E
Now
I've
talked
about
customer
service
and
I
say
it
is
it's
about
customer
service.
Let's
talk
about
that
for
a
moment,
that
is
to
say,
sb40
is
a
step
on
the
path
toward
next
level
customer
service.
It's
about
improving
the
experience
for
everyone
through
communication
coordination,
efficiency,
accuracy,
convenience
and
cost
reductions
to
our
consumers.
E
Now
technology
plays
a
big
role
in
our
customer
service
vision.
So
this
is
why
technology
is
key.
As
noted
in
our
next
slide,
to
allow
for
an
online
titling
Services.
We
must
remove
existing
barriers
that
prevent
us
from
using
technology
as
an
example,
section
26
repeals
current
language
that
requires
the
use
of
pen
ink
on
paper
in
order
to
complete
a
titling
process.
E
E
So
today,
every
title
transfer
requires
the
endorsement
of
the
county,
assessor
in
which
the
home
is
located.
The
endorsement
provides
proof
that
taxes
are
paid
and
allows
the
assessor
to
update
their
responsible
taxpayer
records.
Currently,
the
applicant
must
travel
to
the
assessor
office
present
their
paperwork
for
pen
ink
signature.
E
If
taxes
Row,
the
applicant
must
pay
before
the
paperwork
will
be
signed
once
the
paperwork
is
endorsed
or
signed.
The
applicant
must
either
travel
to
the
housing
division
office.
To
present
the
completed,
signed
and
notarized
application
and
pay
the
60
housing
division,
title
transfer
fee
or
mail.
The
documents
with
a
check
to
the
division
office
once
we're
received
by
the
division.
The
paperwork
is
scanned
and
the
hard
copy
is
sent
to
our
Carson
City
office,
where
it
is
assigned
for
processing.
E
Now.
Sb40
would
allow
that
same
applicant
to
use
technology
to
accomplish
the
same
tasks
with
minimal
travel
and
cost.
The
application
can
be
filled
out
online
then
email
to
the
assessor
for
endorsement.
If
taxes
owed
Counties
have
online
payment
options
once
endorsed
the
assessor
will
email
it
back
to
the
applicant.
E
The
applicant
can
access
the
division
online
payment
portal
to
pay
the
housing
division's
title
transfer
fee
that
completed,
signed,
notarized
and
endorsed
paperwork
along
with
the
receipt,
can
all
be
scanned
and
emailed
to
the
housing
division,
and
it
can
be
easily
tracked
in
many
cases.
A
delivery
and
read
receipt
can
also
be
included,
pedal
transfer
applications.
Middle
process
is
accomplished
with
just
one
travel
trip,
and
that
was
the
notary
saving
time
and
money
and
avoiding
any
incidents
of
lost
mail
and,
of
course,
any
of
the
original
documents
that
would
have
been
contained
therein.
E
So
benefits
to
customers.
Sp40
will
reduce
or
eliminate
the
hardships
to
applicants,
including
those
from
out
of
state
or
even
outside
the
country,
and
to
our
rural
communities
and
to
our
applicants
with
low-income
and
or
physical
disabilities.
So
real
world
examples.
Those
include
applicants
who
have
to
take
time
off
from
work
and
in
many
cases
resulting
in
a
loss
of
income.
E
Now
I
mentioned
earlier,
a
lot
rent
subsidy,
so
I'm
going
to
talk
about
that
just
a
little
bit
more
as
well.
The
housing
division
offers
affordable
housing
assistance
to
persons
with
low
income
that
helps
reduce
the
cost
burden
of
space
rent
within
manufactured
on
Parks
applicants
are
currently
required
to
income
qualify
using
only
the
federal
poverty
guidelines.
Now
those
guidelines
apply
to
All
48
contiguous
states.
E
Sb40
creates
a
more
Equitable
income
criteria
that
recognizes
Regional,
Housing
costs
and
availability
differences
specific
to
Nevada.
In
addition
to
that
federal
poverty
guideline
now,
this
will
expand
eligibility
while
still
focusing
on
our
most
underserved
populations.
Real
world
example
here
is
that
federal
poverty
guidelines
will
oftentimes
favor
the
larger
households,
whereas
the
home
income
limits,
which
are
specific
in
this
case
to
the
state
of
Nevada
and
Regions
they're
in,
would
favor
the
smaller
household.
So
again,
this
does
expand
the
eligibility
for
our
lot
rent
subsidy
applicants.
E
Now
technology
in
action
been
talking
about
technology.
Well,
finally,
we
can
offer
you
a
glimpse
of
what
is
possible
in
our
Endeavor
to
provide
more
efficient
customer
service.
The
division
is
developing
instructional
videos
to
be
accessible
online,
24
7,
wherever
internet
is
available,
videos
can
be
played
and
paused
as
the
viewer
completes
the
form
section
by
section,
with
very
detailed
instructions.
E
Now,
in
fact,
those
who
want
to
catch
a
glimpse
of
an
actual
Next
Level
exceptional
customer
service
can
contact
our
division
and
we're
happy
to
share
with
you
a
sample.
The
title
transfer
instruction,
video
I
believe
on
the
slide.
You
have
my
direct
line
phone
line
as
well
as
email
and
would
be
happy
to
provide
that
to
anyone
who's
interested
well.
Thank
you
for
listening
to
the
presentation
and
again
I
am
certainly
happy
to
answer
any
questions
of
the
committee.
A
C
Madam
chair,
just
a
quick
question
in
regards
to
section
18,
which
is
the
subsidies
for
the
monthly
rent.
The
space
rent
I
know
that
some
of
the
changes
we're
making
it's
going
to
allow
the
administrator
to
change
the
monthly
income
that
qualifications
and
you're
going
to
do
it
through
regulations,
and
so
I
was
just
hoping.
C
You
could
walk
us
through
what
kind
of
criteria
you're
going
to
use
I'm
not
too
worried
because
we're
going
to
see
the
regulations
come
before
the
ledge
commission,
so
I
know
we'll
get
to
participate
there
as
well,
but
I
was
hoping
you
could
kind
of
walk
us
through
the
criteria
that
you're
going
to
use
when
establishing
the
monthly
household
income.
Thank
you.
D
Thank
you,
assemblywoman
harigi,
for
the
question,
Steve
akroth
for
the
record
effectively
what
we
will
be
using
will
be
HUD
home
guidelines,
and
so
those
are
published
annually
and
as
director
or
administrator
Deputy
Administrator.
Just
trying
to
give
you
two
promotions.
There
Tim
went
right
discussed.
D
They
are
actually
more
significant,
particularly
in
those
one
and
two
person,
households,
so
they're
a
little
bit
higher.
So
we're
going
to
be
able
to
accompany
more
folks,
that's
in
there
to
be
eligible
for
the
subsidy.
Currently
I
think
there
are
93
folks
households
on
the
lot
rent
subsidy
program.
It
has
decreased
over
time,
and
so
we
will
be
looking
at
expanding
this
to
allow
for
those
home
incomes.
D
To
give
you
an
idea,
the
federal
poverty
level
for
an
individual
right
now
sits
at
or
from
2022
13
590.
So
you
would
have
to
be
below
that
to
receive
funding
in
in
2022
in
Las
Vegas
that
in
2022
would
bump
up
to
17
200..
So
we
hope
to
get
a
few
more
people
qualified
to
take
advantage
of
this
program.
C
D
Steve,
a
cross
administrator
of
the
Nevada
housing
division.
Certainly
that
would
be
some
of
the
items
that
we
could
take
care
of
via
regulation,
and
so
one
step
at
a
time
to
get
to
this
point
is
that
in
statute:
okay,
one
step
at
a
time,
so
I
I,
think
probably
the
first
step
here
is
to
increase
the
eligibility
and
because
we
don't
want
to
stress
the
program
so
much
that
we
cannot
provide
the
maximum
benefit
to
these
folks
and
then
yeah
I
would
have
to
say
that
in
2020
.
F
Thank
you,
chair
and
I
I
think
this
is
a
great
Bill
to
expand
eligibility
so
that
we
can
help
more
people,
I
think
that's
a
wonderful
thing.
I
did
notice
under
Section
18e,
it
does
say
which
assets
are
excluded
and
it
currently
says
when,
when
Motor
Vehicles
so
and
a
few
other
things
so
whether
we
address
more
in
the
future,
that
might
be
good
too.
F
The
one
question
I
had
when
I'm
looking
at
the
the
on
the
slides,
the
SOP
the
software
program
just
curious
is
that
a
software
program
that
has
already
been
used
in
other
states
or
jurisdictions
that
has
been
shown
to
work
well
because
it
sounds
like
that's
going
to
be
the
whole
new
program.
That's
adopted.
D
Steve
Akron,
thank
you
for
the
question.
I
will
defer
to
Mr
wittright
because
he's
in
that
every
single
Bingle
day.
E
Very
good,
thank
you
very
much
again:
Tim
Wright,
Deputy
Administrator
Las
Vegas
office
for
the
record.
The
software
program
currently
used
for
manufacturer
housing
operations
actually
does
exist
in
other
states.
However,
with
respect
particularly
to
titling
I
believe
we
are
the
only
user
in
the
in
the
United
States
that
I'm
aware
of
there
are
other
licensing
uses
and
I
believe
it's
also
used
by
some
other
agencies
here
in
or
at
least
one
other
agencies
here
in
Nevada,
also
just
to
make
sure
that
I'm
answering
the
question.
E
The
the
bill
looks
to,
as
I
had
mentioned
earlier,
remove
any
barriers
to
existing
and
future
Technologies.
So
our
interest
is
that,
if
other
technologies
that
may
not
exist
now
come
into
being
or
other
software,
for
example
as
well,
that
we
make
sure
we
don't
have
any
barriers
to
using
those
again
seeking
efficiency
and
customer
service.
G
D
Steve
akroth
for
the
record
effectively.
What
we're
trying
to
do
is
to
ensure
that
we
can
accompany
more
product
into
this
I
think
you
will
hear
testimony
and
support
shortly
to
explain
better
exactly
what
that
number
generates,
but
effectively.
What
we're
trying
to
do
is
make
sure
we
we
in
capture
and
clarify
and
basically
match
it
up
with
existing
product.
That's
out
on
the
market.
A
H
Thank
you,
madam
chair,
for
the
record
Susan
Fisher
s-u-s-a-n-f-I-s-h-e-r,
with
McDonnell
Carano
speaking
today
on
behalf
of
Nevada
housing
Alliance,
which
is
the
Coalition
Statewide
Coalition
made
up
of
manufactured
home
dealers
and
related
vendors
and
first
off
I,
would
like
to
thank
Mr
a
Croft
and
Whit
Wright,
and
also
director
Reynolds,
for
allowing
us
to
use
section
19
to
do
an
amendment
to
the
bill.
We
are
very
supportive
of
the
bill
as
a
whole.
H
There's
there
are
some
very
important,
streamlining
and
changes
that
they've
made
that
will
make
it
easier
for
dealers
they've
eliminated
some
multiple
steps
and
also
in
in
making
it
easier
to
submit
records
electronically.
That's
really
important
for
our
dealers
as
well
helps
us
hold
down
costs,
which
we
can
hopefully
pass
on
to
our
our
purchasers,
but
what
we
did
with
section
19
of
the
bill.
H
You
can't
tell
the
difference
between
the
two:
they
look
exactly
the
same
and
they're
built
almost
exactly
the
same
and
actually
they're
both
the
same
as
site,
Built
Homes
as
well.
It's
just
that
we
get
to
bring
ours
in
and
set
it
on
there,
so
this
just
creates
parity
and
it
removes
the
discrimination
against
manufactured
homes.
Thank
you,
I'd
be
happy
to
answer
any
questions.
I
Good
afternoon
Madam,
chair
and
members
of
the
committee
for
the
record
Mindy
Elliott
with
Flynn
judici
government
Affairs
here
on
behalf
of
the
Nevada
Housing
Coalition
and
on
behalf
of
Christine
Hess,
the
executive
director
for
the
Nevada
Housing
Coalition,
which
is
a
Statewide
non-profit
to
promote
and
Advance
affordable
housing
solution.
We
are
here
to
express
our
support
for
Senate
Bill
40,
as
amended,
that
will
streamline
processes
for
Nevada
Nevada's,
lead
housing
agency,
the
Nevada
housing
division
and
also
expand
housing,
affordability
and
stability
for
more
extremely
low-income
nevadans.
I
As
importantly,
The
increased
efficiency
in
the
process
will
also
be
felt
by
the
nevadans
interested
in
applying
for
this
program,
saving
them
time
and
money
in
travel.
According
to
the
National,
low-income
housing
Coalition,
81
percent
of
our
extremely
low-income
nevadan
renter
households
pay
more
than
half
of
their
income
on
their
housing
costs.
That
represents
nearly
80
000
households
in
Nevada,
while
the
changes
proposed
by
Senate
Bill
40
cannot
solve
this
crisis.
Every
nevadan
and
family
that
can
move
from
housing
and
security
to
a
place
of
housing.
I
A
A
A
D
Steve
Akron
administrator
of
the
Nevada
housing
division
just
want
to
thank
you
for
your
time
and
and
consideration
of
the
Bill.
Thank
you.
A
K
As
we
know,
Nevada
relies
heavily
on
financial
institutions
to
keep
its
economy
running.
The
institutions
provide
vital
services
to
businesses
and
individuals
alike,
including
loans,
savings
accounts
and
investment
opportunities.
However,
the
licensing
process
for
these
institutions
is
sometimes
seen
as
overly
burdensome
and
time-consuming
which
can
discourage
potential
new
entrants
into
the
market.
This
is
particularly
concerning,
given
the
changing
nature
of
the
financial
sector
and
the
many
new
fintech
firms
and
online
lenders
entering
this
space.
If
Nevada
wants
to
remain
competitive
in
the
changing
landscape,
we
must
ensure
that
our
licensing
process
is
streamlined
and
efficient.
K
Another
area
that
requires
attention
is
the
regulation
of
protections
for
senior
citizens
and
vulnerable
persons
in
Nevada,
while
regulations
are
already
in
place
to
protect
these
consumers
and
ensure
that
financial
institutions
are
operating
in
a
safe
and
sound
manner.
These
regulations
must
be
updated
to
reflect
the
changing
nature
of
the
industry.
With
the
rise
of
digital
technology.
Many
lenders
are
now
able
to
provide
loans
to
borrowers
without
ever
meeting
them
in
person.
While
this
can
be
a
convenient
option
for
borrowers,
it
also
raises
concerns
for
fraud
and
identity
theft.
K
As
such,
there's
a
need
for
Clear
regulations
to
ensure
that
remote
lending
is
conducted
in
a
safe
and
secure
manner
by
streamlining
the
licensing
process,
updating
regulations
ensuring
that
safe
and
secure
remote
lending
Nevada
can
continue
to
track
new
entrants
into
the
financial
sector
and
support
the
growth
of
the
economy
and
with
that
I'll
turn
it
over
to
Senator.
Hammond
he'll
go
through
the
sections
of
the
bill.
L
Both
harji,
how
are
you
doing
this
afternoon?
Scott
Hammond
senator
from
district
18
for
the
record
I'm
going
to
go
over
the
sections
of
the
bill,
starting
in
section
1.61,
removes
the
requirement
for
applicants
to
provide
a
physical
address
for
the
main
office
of
the
proposed
depository
institution
during
the
licensing
process.
Instead,
the
commission
of
financial
institutions
can
require
the
applicant
to
provide
a
general
location
and
submit
the
physical
address
before
commencing
business
operations.
This
change
acknowledges
the
growing
trend
of
digital
and
remote
banking
services
and
streams
on
streamlines
the
application
process.
L
Section
16.5
provides
that
a
person
is
not
required
to
accept
a
power
of
attorney
if
another
person
reports
or
knows
about
suspected
exploitation
or
delays
transactions.
Due
to
such
suspicion
in
Section
5,
the
legislation
permits
employees
of
licensed
lending
businesses
to
work
remotely,
provided
they
adhere
to
certain
requirements.
This
measure
adapts
to
the
changing
landscape
of
work,
allowing
businesses
to
adapt
and
innovate
their
operation.
L
One
other
point
of
business
we
want
to
to
bring
is
that
we
recently
we've.
We've
talked
several
times.
We've
made
a
couple
of
amendments.
There's
a
another
proposed
amendment
coming
from
Clark
County
we're
gonna,
probably
have
Ashley
Kennedy
come
up
during
testimony
afterwards
and
she'll
present
that
amendment
to
you
all
and
we
considered
a
friend
friendly
Amendment
to
the
process
and
that's
all
I
have
right
now.
K
And
I
would
say
before
we
open
it
up
for
questions
Madam
chair
is,
we
have
worked
over
the
interim
we've
had
several
meetings
with
stakeholders
for
the
past
two
years,
pulling
together
the
information
to
be
able
to
do
this
bill
and
a
senior
financial
literacy
and
making
sure
seniors
money
was
protected
in
institutions
was
a
Paramount
importance
to
us,
and
so
you'll
see
a
big
focus
on
that
in
the
bill,
and
with
that
we're
happy
to
answer
questions
thank.
A
You
and
thank
you
for
bringing
this
presentation
forward.
I
do
have
a
question,
but
I
will
give
my
committee
members
a
chance
first
committee
members,
any
questions
I,
don't
see
any
so
I'll
get
to
mine,
Section,
3,
subsection,
5B,
page
five
I
believe
line
25,
whereas
States
to
where
the
financial
institution
would
be
immune
from
civil,
criminal
and
administrative
liability
on
that
sub,
B
delaying
which
I
completely
understand
a
request
of
disbursement.
So
they
would
be
immune,
but
then
it
says
or
not
delaying.
L
L
L
She
has
it
right
here,
men's
section,
5B
of
Section
3
to
provide
immunity
if
a
financial
institution
does
delay
the
disbursement
of
assessment
assets
upon
receiving
a
report
or
known
or
suspected
exploitation.
She
wants
to
talk
a
little
bit
about
that,
because
she
wants
to
make
sure
that
we're
still
taking
care
of
those
folks
in
case
there
is
a
delay,
yeah,
yeah
or
yeah
I
guess
well,
I
I'm
hesitating
because
I
really
wanted
her
to
explain
it.
When
she
comes
up
and.
M
Thank
you,
Ashley
Ashley
Kennedy,
representing
Clark
County,
and
thank
you
Senators
for
kind
of
the
late
hour.
Amendment
is
not
on
Nellis,
but
we
have
we
have
it
here.
So
what
I
am
testifying
on
behalf
of
Clark
County's
Public
Guardian,
who
is
tasked
with
protecting
the
social
well-being
and
economic
welfare
of
individuals
who
are
legally
incapable
of
managing
their
Affairs?
So
what
our
Amendment
seeks
to
do
is
to
amend
subsection
5B
of
section
Section
3,
which
is
chair.
M
What
you
were
mentioning
and
what
we
want
to
do
is
Strike
were
not
delaying.
What
this
would
do
was
just
ensure
that
an
institution
is
immune
from
liability
for
delaying
the
disbursement
of
assets.
If
there
is
known
or
suspected
exploitation
of
a
senior,
we
support
that
immunity.
We
want
to
make
sure
that
if
somebody
potentially
is
being
exploited
where
we
know
that
they
are
being
exploited,
that
we
are
protecting
their
assets
from
being
dispersed.
A
N
Chair
marzola
members
of
the
committee
Connor
Kane
c-o-n-n-o-r-c-a-I-n,
on
behalf
of
the
Nevada
Bankers
Association.
We
are
in
support
of
Senate
bill
355.,
as
you've
heard.
This
bill
covers
many
different
topics:
I'd
like
to
focus
my
testimony
on
one
of
the
topics
that
we
spend
a
considerable
amount
of
time
discussing
this
interim,
how
to
enhance
the
tools
that
financial
institutions
have
have
to
protect
Nevada
seniors
against
Financial
exploitation.
N
N
As
a
result,
adult
65
and
older
lost
more
of
their
savings
to
fraudsters
than
any
other
age
group.
In
fact,
one
out
of
every
five
adults
over
65
have
been
victimized
with
women
nearly
twice
as
likely
as
men
to
be
victims
under
existing
law.
When
a
financial
institution
and
more
specifically
its
officers
or
employees,
knows
or
expects
exploitation
of
an
older
or
vulnerable
person,
it
must
report
that
exploitation
to
aging
and
disability
services
and
local
law
enforcement.
N
N
O
Good
afternoon,
chair
marzola
members
of
the
committee
for
the
record
Dylan
Keith
d-y-l-a-n-kei
th
with
the
Vegas
chamber.
We
would
like
to
thank
the
sponsors,
as
well
as
the
stakeholders
for
their
work
on
this
bill.
We
are
specifically
in
favor
of
this
bill
for
the
protections
that
Mr
Kane
was
going
over,
and
we
currently
asked
for
your
support.
Thank
you
for
your.
P
Time
good
afternoon,
good
afternoon,
Chairman's
old
company
members,
Brian
reader
speaking
on
behalf
of
the
Nevada
Credit
Union
League,
similar
testimony
ncol,
would
like
to
encourage
your
support
and
thank
the
bill
sponsors,
particularly
for
the
collaborative
efforts
to
protect
seniors
from
Fraud
and
Abuse.
Thanks.
A
A
A
A
A
Q
A
A
A
R
Good
afternoon,
chair,
marzola,
Vice
chairman
how
to
get
members
of
the
committee
for
the
record.
My
name
is
Scott
Kipper,
k-I-p-p-e-r
I'm,
the
insurance
commissioner,
here
at
the
state
of
Nevada.
It
is
my
honor
to
be
here
today
representing
the
division
of
insurance
and
to
present
Senate
bill.
57.
I
am
joined
today
by
Justin
Worthington,
the
divisions,
legislative
liaison.
Very
briefly,
the
a
little
bit
of
background.
R
R
The
division
of
insurance
regulates
approximately
1
700
insurers
that
are
admitted
to
do
business
in
our
state,
along
with
an
additional
150
captive
insurers
who
are
domiciled
in
Nevada.
A
number
of
licensed
producers
or
insurance
agents
in
Nevada
has
increased
by
over
a
hundred
thousand
over
a
two-year
period
growing
from
approximately
a
hundred
and
fifty
thousand
licensed
producers
in
2020.
It's
now
over
250
000
producers.
The
insurance
industry
employs
over
40
000
nevadans
and
those
jobs
generate
well
over
two
billion
dollars
in
annual
wages.
R
I
I
will
now
provide
you
a
brief
review
of
the
changes
proposed
in
this
bill,
because
the
bill
addresses
numerous
chapters
in
title
57
you
we
have
provided
you
an
explanation
table
for
Senate
Bill
57,
which
is
a
summary
of
each
of
the
changes
in
the
sections
of
those
Bill,
along
with
the
corresponding
rationale
for
each
change.
Section.
R
One
changes
the
current
requirement
for
health
carriers,
submitting
a
copy
of
every
provider;
denial
letter
to
the
commissioner
to
now
submitting
a
report
that
summarizes
those
provider
Network
denials
and
to
make
a
copy
of
every
denial
letter
available
to
the
commissioner
upon
request.
We
believe
this
will
create
greater
efficiencies
in
the
in
the
in
the
marketplace
both
for
carriers
and
for
the
division.
R
R
This
section
also
moves
the
deadline
to
hold
a
hearing
from
30
to
60
days
to
accommodate
anticipated
workload,
and
it
also
provides
a
commissioner
shall
issue
a
final
order
in
a
contested
case
within
45
days.
After
the
close
of
the
hearing
of
that
contested
case,
these
changes
are
necessary
to
simplify
important
deadlines,
which
will
ensure
the
division
can
effectively
manage
cases.
R
Section
4,
which
the
division
worked
closely
with
the
Attorney
General's
office
makes
confidential,
with
certain
exceptions,
additional
records
and
information
relating
to
an
investigation
for
the
prosecution
of
insurance
fraud
requires
such
records
and
information
to
remain
confidential.
During
and
after
the
conclusion
of
the
investigation
and
places
the
responsibility
of
release
on
such
records
on
processing
Prosecuting
attorneys,
not
just
the
Attorney
General.
The
new
requirements
are
necessary
because
criminal
investigations
are
sensitive
and
disclosing
investigative
information
could
potentially
undermine
case
prosecution.
R
Section
4.2
as
a
matter
of
practicality
in
this
modern
environment
authorizes
a
paperless
option
regarding
electronic
delivery
of
Health
Plans.
According
accordingly
covered
persons
of
a
health
plan,
as
defined
in
the
section,
must
opt
out
of
electronic
delivery
of
notices
for
notices
to
do
to
be
delivered
by
the
U.S
mail,
but
before
consenting
on
behalf
of
a
covered
person.
A
planned
sponsor
must
also
confirm
by
reasonable
means
that
the
covered
person
routinely
uses
electronic
communications
during
the
normal
course
of
employment.
R
R
Section
5
revises
the
terminology
used
to
describe
fees
in
NRS,
680b
0.010
to
match
the
language
used
in
statute.
The
amount
of
such
fees
remains
unchanged,
and
the
section
also
removes
duplicative
fees.
The
change
will
allow
regulated
entities
to
better
understand
and
interpret
requirements
for
these
license
types.
R
Section
7
provides
that
the
commissioner
has
discretion
to
require
a
managing
General
agent
to
file
and
maintain
a
statutory
Bond
or
excuse
me
a
surety
bond
with
the
commissioner.
The
commissioner
will
also
have
discretion
to
require
a
surety
bond
of
of
managing
General
agents
because
it
because
of
the
direct
contractual
relationship
between
an
insurer
and
a
managing
General
agent.
R
Section
8
requires
a
third
party
administrator
to
notify
the
commissioner
within
30
days
of
changes
to
the
administrator's
members,
owners,
directors
or
officers,
along
with
changes
to
their
physical
location,
mailing
address
or
electronic
mail
address,
or
legal
or
fictitious
name.
Section.
9
revises
NRS
683a
0.025
to
provide
Clarity
that
any
person
who
administers
a
program
of
Pharmacy
benefits
for
an
employer,
insurer,
internal
service
fund
or
trust
must
be
licensed.
As
a
third
party
administrator,
many
Pharmacy
benefit,
managers
or
pbms
have
already
obtained
a
Nevada
administrator's
license.
R
So
this
clarification
will
be
helpful
to
proper,
properly
enforce
relevant
statutes
for
all
pbms
section.
10
simply
makes
a
conforming
change
to
reference.
Section
8
of
this
bill,
section
10.5,
makes
a
conforming
change
to
reference.
The
exception
found
in
NRS
683.086,
which
corresponds
with
Section
13
of
this
bill,
sections
11
and
12
revise
requirements
for
an
out-of-state
applicant
for
an
administrator's
certificate
of
registration
to
include
in
their
application
the
authorization
document
issued
by
their
home
state
and
requiring
the
applicant
to
comply
with
all
applicable
provisions
of
title
57
and
related
regulations
to
renew
their
authorization.
R
These
revisions
will
enable
the
division
to
verify
out-of-state
licenses
and
ensure
compliance
with
Nevada
law.
Section
13
clarifies
the
subcontracting
of
administrator
duties
is
not
permitted
between
a
third
party
administrator
and
an
unlicensed
third
party
administrator.
The
proposed
changes
generally
will
ensure
that
tpas
meet
their
obligations
and
that
if
an
issue
arises,
the
division
can
adequately
address
the
issue.
R
Section
14
adds
language
allowing
the
commissioner
to
require
an
applicant
for
a
license,
as
managing
General
agent,
to
submit
a
copy
of
any
contract
between
the
applicant
and
each
insurer
that
the
applicant
will
represent
as
a
managing
General
agent.
In
addition
to
meeting
the
bond
requirements
set
forth
and
or
contained
in
section
7.
R
section,
15,
19
and
36
authorized
the
commissioner
to
renew
a
temporary
license
as
a
producer
of
insurance.
Independent
adjuster
and
exchange
enrollment
facilitator
for
an
additional
period
of
180
days
under
circumstances
like
concluding
certain
estate
manners
or
completing
tours
of
Duty
in
the
military
sections
16
through
1820
and
40-42,
revised
Provisions
concerning
the
licensure
of
insurance,
Consultants
business
entities,
adjusters
insurance
agents
and
firms
or
corporations
to
clarify
standard
and
standardize.
R
The
term
appointment
is
also
removed
from
the
statutes
in
favor
of
the
term
sponsorships,
because
the
division
views
these
terms
as
unique
and
distinct,
which
will
also
allow
regulated
entities
to
better
understand
and
interpret
the
requirements
of
each
license.
Type
section
21
was
deleted
by
Amendment
section.
22
prohibits
individual
and
small
group.
R
Health
plan
benefit
insurers
who
have
removed
a
prescription
drug
from
a
formulary
from
adding
that
prescription
drug
back
into
the
formulary
in
a
higher
cost
here
in
the
same
plan
year
in
which
it
was
removed,
except
at
the
times
and
under
the
circumstances
provided
for
under
existing
law.
Current
statutory
language
provides
a
loophole
that
enables
the
carrier
to
remove
a
drug
from
the
from
this
formulary
and
then
add
it
back
this.
This
section
would
then
effectively
close
that
loophole.
R
R
Section
26
requires
a
person
to
have
a
good
business
and
personal
reputation
to
qualify
for
an
agent's
license
to
sell
prepaid
contracts
for
few
burial
services
on
behalf
of
a
seller.
Most
licensees
under
title
57,
including
a
funeral
agent,
are
required
to
have
good
business
and
personal
reputation.
So
this
language
standardizes
the
requirement
for
sellers
of
burial
contracts,
section
28,
defines
the
term
health
benefit.
R
Section
29
clarifies
that
the
provisions
regarding
confidentiality
and
disclosure
of
certain
records
and
information
that
apply
to
tradition,
tradition,
traditional
insurers
also
applies
to
captive
insurers
domiciled
in
Nevada
sections.
32
30
30
through
32
moves
the
annual
filing
deadline
of
the
statement
for
financial
conditions
for
various
types
of
captive
insurers
from
March
1
to
June
30..
This
will
change.
This
change
will
allow
captive
insurers
to
provide
annual
report
filings
using
audited
financial
information.
R
Section
38
eliminates
duplicative
statutory
language
regarding
the
powers
of
the
commissioner
as
a
receiver,
rehabilitator
or
Liquidator
of
an
insurer.
The
intent
is
to
remove
potential
confusion
regarding
language
of
authority
and
compensation
of
those
hired
in
receiverships
and
to
ensure
NRS.
The
the
NRS
are
consistent
with
uniform
insurers,
liquidation
act
and
ensure
a
receivership
model.
R
Act
section
39
adds
language
to
clarify
that
when
a
receiver
is
to
be
appointed
in
delinquency,
proceedings
for
an
insurer,
certain
persons
that
may
be
appointed
or
and
certain
staff
that
may
be
employed
in
relation
to
delinquency
proceedings
serve
at
the
pleasure
of
the
commissioner,
section
43
and
46
established
that
only
a
Bail
Enforcement
agent
is
authorized
to
take
certain
actions
with
respect
to
the
apprehension
and
surrender
of
a
defendant.
Section.
43
also
removes
the
term
dwelling
in
favor
of
the
term
structure.
R
The
changes
are
necessary
because
Bail,
Enforcement
agents
and
bail
agents
continue
to
use
unlicensed
persons
to
locate
and
apprehend
defendants.
Bail
Enforcement
agents
must
be
meet
very
specific
qualifications
to
engage
in,
locating
apprehending
and
surrendering
defendants
who
have
failed
to
appear
in
court.
These
qualifications,
which
include
rigorous
training,
distinguishes
the
Bail
Enforcement
agent
from
the
bail
agent.
R
Section
44
provides
that
a
bail
agent
who
improperly
causes
the
surrender
of
a
defendant
to
custody
is
not
entitled
to
collect
any
fees
related
to
the
surrender
section.
45
prohibits
a
bail
agent,
General
agent,
Bail,
Enforcement
agent
or
bail
solicitor
from
allowing
any
person
other
than
a
licensed
Bail
Enforcement
agent
to
participate
in
the
functions
of
a
Bail
Enforcement
agent.
R
R
A
S
Thank
you
and
thank
you
for
the
pr,
the
the
presentation
taking
the
opportunity
to
meet
with
me
last
week
ahead
of
this
presentation.
S
I
I
did
have
one
specific
question
regarding
it
looks
like
it's
section
43
of
the
bill
page
also
page
43.,
as
it
turns
out
and
I
noticed
that
we
have
some
language
in
there
regarding
Bail
Enforcement
agents
and
and
as
I.
Look
at
that
I
see
that
we're
striking
the
language
that
notes
that
you
know
if
an
individual
violates
a
provisions
of
this
section
is
guilty
of
a
misdemeanor.
They
would
be
guilty
of
a
misdemeanor.
So
what
what?
T
C
Thank
you,
madam
chair,
and
thank
you,
commissioner,
for
also
meeting
with
me
before
the
the
hearing
today.
To
get
most
of
my
questions
answered.
I
just
do
want
to
take
the
opportunity
to
go
over
something
to
go
over
some
of
the
questions
that
we
had
in
our
meeting,
just
to
put
them
on
the
record
and
I'm
sure.
C
My
concern
in
that
area,
as
I
shared
with
you,
is
that
someone
might
be
out
of
work
for
more
than
three
months
and
people
out
of
working
to
still
pay
bills,
and
so
that
again,
that
they
would
still
be
allowed
to
practice
because
we
are
taking
it
from
30
days
to
60
days
and
then
giving
an
additional
45
days
for
the
commissioner
to
come
out
with
a
final
order.
So
I
just
wanted
to
put
on
the
record
that
they
would
again
still
be
awarded
a
full
due
process
and
allowed
to
continue
to
perform
their
work.
R
You
so
much
you're
you're,
quite
right
in
your
interpretation
that,
as
in
in
although
I'm
not
a
lawyer,
it
is
you
know
you
are
innocent
until
otherwise
proven
guilty
that
an
agent
or
anybody
who
would
be
subject
to
such
hearing
would
be
able
to
continue
to
perform
their
functions
under
their
license,
as
as
we
as
we
license
them
during
the
the
interim
period.
During
the
hearing,
and
until
the
commissioner
does
provide
a
resolution
to
that
case,.
A
U
Good
afternoon
Madam
chair
members
of
the
committee,
Liz
mcmenamin
retail
association
in
Nevada,
representing
the
chain
drug
stores
and
other
retailers
in
in
Nevada
and
I'm
I'm,
come
to
this
table
to
in
in
support
of
the
the
insurance
Commissioners
legislation.
Sb
57,
specifically
section
9
and
section
22
dealing
with
prescription
benefit
manipulators
I,
you
know,
Nevada
is
woefully
behind
in
regulating
and
doing
anything
with
these.
U
These
entities
that
are
being
held
accountable
in
other
states
and
I,
look
forward
to
them
being
held
accountable
and
and
bringing
down
possibly
bringing
down
prescription
drugs
for
your
constituents
and
for
the
patients
in
Nevada,
because
they
are
the
players
that
are
creating
some
of
the
problems
that
we
see
today,
so
I
think
the
insurance
commissioner.
For
this.
This
is
a
tiny
step.
Let's
see
what
we
can
do
to
Nevada
to
help
them
bring
in
these
these
entities.
Thank
you
very
much.
V
V
They
make
sure
that
companies
that
serve
customers
in
a
variety
of
states
have
some
consistent
rules,
but
even
more
importantly,
make
sure
that
you
retain
your
sovereignty
over
state
laws,
and
the
commissioner
maintains
their
powers
over
their
regulated
entities
again
happy
to
be
here
to
support
the
work
the
division
does
on
this
Bill.
Thank
you.
A
A
W
W
It
is
a
housekeeping
item
that
allows
non-residents
to
apply
to
be
bail,
agents,
not
Bail,
Enforcement
agents,
bail
agents,
they
have
to
be
licensed
in
their
own
State
and
the
language
is
very
similar
to
what
the
commissioner
actually,
this
commissioner
himself
adopted
in
the
2011
session
for
non-resident
adjusters.
This
is
a
housekeeping.
It
clear
clarifies
the
reciprocity
with
other
states
and
I
would
appreciate
the
committee's
consideration
of
this
and
happy
to
work
continue
to
work
with
the
commissioner.
A
A
R
A
X
Thank
you.
So
last
last
year
I
had
someone
to
come
to
me
and
tell
me
about
a
a
glitch
in
terms
of
Licensing
for
Barbers
and
wanted
to
get
a
bill.
That
would
clarify
that.
Unfortunately,
what
we
did
in
the
bill
that
you
have
before
you,
some
of
the
language,
is
still
confusing
and
so
in
an
effort
to
make
sure
that
everyone
understands
there
are
two.
There
are
two
tests
to
be
taken.
X
The
first
one
is
when
you
graduate
and
when
you
graduate
and
you
pass
that
test,
then
it's
my
understanding
that
you
become
an
apprentice
and
after
18
months,
then
you
take
a
test
to
become
a
registered
Barber,
and
so
what
you
see
when
it
says
when
it
says
Apprentice,
we
need
to
strike
that
and
so
I'd
like
to
go
down
south
to
Mr
Marcus
Allen.
If
that's,
okay
with
you
again
absolutely.
Y
Yes,
Madam
chair
and
members
of
the
committee,
Marcus
Allen
m-a-r-c-u-s
last
name,
Allen
a-l-l-e-n.
We
have
what
is
the
Barber
Board
doing
more
so
explain
the
terminology
that
we
would
need
to
use
for
this
and
I
would
tap
it.
I
would
connect
back
in
later.
Z
We
had
heard
the
cries
of
our
schools
and
of
our
of
our
licensees
that-
and
there
was
probably
some
unfair
practice
here
with
this
law,
so
we
wanted
to
get
it
changed.
I
understand,
text
test
anxiety.
So
if
you
go
to
school
for
1500
hours,
you
graduate
you
take
your
first
exam
as
an
apprentice
Barber.
If
you
failed
it
the
way
the
law
was
written,
you
had
to
go
back
to
school
for
250
hours.
Z
So
what
we've
done
with
the
help
of
Senator
Spearman
is?
They
would
actually
get
four
times
to
take
the
exam
within
a
six-month
period
before
they
would
have
to
go
back
to
school.
The
only
amendment
I
would
like
to
see
done
on
this
is
in
section
one
subsection.
Two.
It
talks
about
a
cosmetologist.
That
is
a
crossover
that
is
somebody
that's
already
licensed.
As
a
cosmetologist.
They
go
to
barber
school
for
400
hours.
They
take
their
exam
as
a
registered
Barber.
Z
By
definition,
when
you
see
the
word
Barber,
that's
registered
barber
apprentice
is
Apprentice
Barber,
a
crossover.
Is
they
test
as
a
registered
Barber?
So
we
would
like
to
see
the
same
wording
that
is
in
subsection
3
for
The
Apprentice
Barber
to
be
in
the
crossover
that
they
could
take
it
the
first
time
and
then
three
times
again
within
a
six-month
period,
subsection
one
when
they
talk
again
about
Barber,
that
is
a
registered
Barber
after
you
go
to
school.
You
take
your
exam,
you
pass
it!
Z
You
go
to
work
in
a
barber
shop
for
18
months.
You
work
with
a
registered
Barber.
After
that
you
come
back
and
take
your
registered
exam.
If
you
listen
to
the
people
on
the
streets
because
they
could
call
it
Masters,
but
it's
technically
registered
Barber,
so
they
never
have
to
go
back
to
school
for
that
they
just
continue
working
in
a
shop
for
three
months
and
take
it
again.
Z
Y
Marcus
Allen
m-a-r-c-u-s
last
name,
Allen,
a-l-l-e-n,
I'm,
the
owner
and
operator,
and
also
Nevada
instructor
for
Masterpiece
Barber
School.
We
did
run
into
a
problem
when
we
became
a
school
in
the
state
of
about
eight
years
ago,
with
some
of
the
students
actually
getting
test
anxiety,
taking
a
test
and
filling
the
test
and
had
to
do
a
refresher
course
refresh,
of
course,
takes
up
to
250
hours,
and
it's
also
three
thousand
dollars
at
this
present
time.
Y
I
ain't
speaking
on
the
behalf
of
not
only
my
school
but
the
other
schools
here
in
the
state
of
Nevada
that
we
reached
out
and
would
like
to
have
this
change
in
them.
For
this,
and
also
that,
with
the
six
months
period,
we
would
need
that
for
our
financial
aid.
All
the
barber
schools
together
in
Nevada,
is
reaching
out
for
to
get
financial
aid
for
more
students
will
be
able
to
go
to
school
than
the
ones
who
couldn't
afford
it
within
the
six
month
period.
Y
F
Thank
you
for
for
the
bill,
I'm,
actually
surprised
that
you
didn't
have
the
opportunity
to
retake
tests.
I
know
with
the
real
estate
license:
they're
allowed
to
go
and
retake
the
test,
so
it
we're
allowing
that
in
industry
and
I.
This
certainly
I
support
being
able
to
do
it
in
this
industry
as
well.
So
thanks
for
bringing
the
bill.
A
Committee
members,
any
additional
questions:
I,
don't
see
any
questions
but
Senator.
Just
so,
I
can
visualize
it
correctly.
So
I
go
to
school,
I,
take
a
test
to
graduate
and
then
I
start.
My
apprenticeship
I
maybe
do
not
pass
that
test
and
instead
of
retaking
it
I
would
have
to
go
back
to
school.
At
this
point,.
X
Without
this
bill,
correct
and
I
will
defer
to
Mr
Allen
and
Miss
Myers
ministers.
If,
if
I
got
that
wrong,
so
what
the
bill
would
do,
it
would
allow
for
the
retaking
of
the
exam
within
a
certain
time
period
And.
So
when
they
graduate
and
take
the
exam,
they
are
simply
a
graduated
applicant
once
if
they
pass
that,
then
they
move
into
the
apprenticeship
portion.
If
they
don't,
they
have
six
months
to
take
it
three
more
times.
A
And
I
guess
I'm
just
in
shock
that
someone
would
have
to
go
back
to
school
in
order
to
retake
the
test.
So
thank
you
for
bringing
this
bill
forward.
I.
Don't
think
there
are
any
other
spaces
that
this
happens
right,
whether
accounting
legal,
like
assembly,
woman,
kasama,
said
real
estate.
So
I
appreciate
this
assembly,
woman,
Taurus.
S
K
S
Our
last
committee
meeting
together,
but
you
know,
based
off
of
the
conversation
I-
was
kind
of
thinking.
The
same
thing
like
it
doesn't
make
sense
that
we
have
it
in
practice
that,
like
you,
have
to
go
back
to
school
and
I,
see
that
there's
still
language
that
requires
it
is
there
any
reason
why
we
would
still
like
require
individuals
to
get
like
the
250
hours,
if
it's
more
than
six
months
after
that
initial
examination,
if
you
could
walk
through,
maybe
some
of
the
reasoning
on
that.
Y
Yes,
we
will
sound
saying
at
first
that
we
actually
had
an
old
Marcus
Island
Masterpiece
Barber
School
in
Las
Vegas.
First,
we
had
it
where
it
was.
A
law
stated
that
if
you
failed
that
you
take
the
test
one
time
and
you
actually
failed
the
test
and
you
have
to
come
back
and
do
refresh,
of
course,
after
taking
it
one
time
we
opened
the
window
because
in
case
you
have
a
testing's
idea
or
you
was
just
nervous
or
you
wasn't
comfortable
that
day.
I
didn't
study
enough
that
you
would
not
have
to
do
that.
Y
We
think
it's
very
important
if
you
failed
at
least
after
four
times
it's
very
important
that
you
come
back
to
school
because
there's
something
you
might
have
to
miss
and
it's
very
important
that
you
get
it
back
in
school
because
us
as
Barbers
we
deal
with
razors
and
we're
dealing
with
clients.
So
we
don't
want
someone
to
be
filling
the
test
and
then
go
out
into
the
field
and
actually
put
a
razor
on
someone
that
can
cut
them
or
hurt
them
real
bad.
Y
A
A
A
A
A
Thank
you
Senator.
Would
you
like
to
give
any
final
remarks?
I
will
now
close
the
hearing
on
Senate
bill
386.
I
will
now
open
up
for
public
comment.
Please
address
your
remarks
to
issues
that
fall
within
the
jurisdiction
of
this
committee.
Public
comment
is
limited
to
two
minutes
per
person.
Is
there
anyone
here
in
Carson
City
wishing
to
give
public
comment?