Legislature(2013 - 2014)SENATE FINANCE 532

04/16/2014 09:00 AM FINANCE


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* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+= HB 297 HOME ENERGY RATING SYSTEMS TELECONFERENCED
Moved SCS CSHB 297(FIN) Out of Committee
+= HB 293 LICENSE PLATES TELECONFERENCED
Moved CSHB 293(STA) Out of Committee
+= HB 263 EXTEND SENIOR BENEFITS PAYMENT PROGRAM TELECONFERENCED
Moved SCS CSHB 263(FIN) Out of Committee
+= HCR 15 TASK FORCE ON UNMANNED AIRCRAFT SYSTEMS TELECONFERENCED
Moved CSHCR 15(FIN) Out of Committee
+= HB 268 BIG BULL MOOSE DERBIES; SNOW TOWN ICE CL. TELECONFERENCED
Moved CSHB 268(FIN) Out of Committee
+ HB 121 COMMERCIAL FISHING & AGRICULTURE BANK TELECONFERENCED
Heard & Held
+ HB 204 SALMON & HERRING PRODUCT DEV'T TAX CREDIT TELECONFERENCED
Heard & Held
+ HB 379 OIL & GAS PROPERTY TAX TELECONFERENCED
Heard & Held
+ HB 308 ALASKA SECURITIES ACT EXEMPTIONS TELECONFERENCED
Scheduled But Not Heard
+ HB 361 LICENSING OF BEHAVIOR ANALYSTS TELECONFERENCED
Scheduled But Not Heard
+ HB 160 LICENSING OF ATHLETIC TRAINERS TELECONFERENCED
Scheduled But Not Heard
+ HB 116 PERS CREDIT FOR MILITARY SERVICE TELECONFERENCED
Scheduled But Not Heard
+= SB 48 PERS CONTRIBUTIONS BY MUNICIPALITIES TELECONFERENCED
Scheduled But Not Heard
+ Bills Previously Heard/Scheduled TELECONFERENCED
CS FOR HOUSE BILL NO. 121(FIN)                                                                                                
                                                                                                                                
     "An  Act relating  to the  examinations, board,  loans,                                                                    
     and  records  of  the  Alaska  Commercial  Fishing  and                                                                    
     Agriculture  Bank;  and   providing  for  an  effective                                                                    
     date."                                                                                                                     
                                                                                                                                
9:45:02 AM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  ERIC  FEIGE,   stated  that  the  Commercial                                                                    
Fishing and Agriculture  Bank (CFAB) was a  great example of                                                                    
the  government starting  a project  and then  stepping back                                                                    
and allowing it  to succeed in the private  sector. The bank                                                                    
was created 34  years prior by an initial  investment of $32                                                                    
million  from  the  state;  as   required  by  the  creating                                                                    
statutes,  the bank  had repaid  the state's  investment and                                                                    
was  currently a  private entity  owned by  its members.  He                                                                    
explained  that  because  CFAB was  created  under  specific                                                                    
statutes, it was regulated differently  than other banks and                                                                    
credit  unions operating  in Alaska.  The specific  statutes                                                                    
that created CFAB  assured that it continued  to fulfill its                                                                    
original  purpose of  assisting the  commercial fishing  and                                                                    
agriculture industry. The bank's  board of directors desired                                                                    
to improve the  operating ability of the  bank by requesting                                                                    
several changes  in the operating  statues. HB  121 expanded                                                                    
the  types  of loans  the  banks  could give  to  commercial                                                                    
tourism  and natural  resources industries  and removed  the                                                                    
maximum  loan amounts  provided  to borrowers.  HB 121  also                                                                    
expanded the  category of borrowers to  include non-resident                                                                    
owned  businesses   that  were  physically   located  within                                                                    
Alaska,  expanded the  eligibility of  the banks  small loan                                                                    
program,  and gave  the board  the  ability to  set its  own                                                                    
compensation   level.   Finally,   to  provide   CFAB   with                                                                    
additional resources  to capitalize  its ability  to provide                                                                    
loans  to its  members, the  CFAB Board  requested that  the                                                                    
Alaska   Banking  Commission   begin  auditing   the  bank's                                                                    
operations, as was  done with other banks in  the state. The                                                                    
cost of the audits were born by the bank, not the state.                                                                        
                                                                                                                                
9:47:16 AM                                                                                                                    
                                                                                                                                
MICHAEL   PASCHALL,   STAFF,  REPRESENTATIVE   ERIC   FEIGE,                                                                    
reviewed  the  sectional analysis  of  the  bill. Section  1                                                                    
restricted board member requirements  to state residency and                                                                    
to  those   under  Alaska   Statue  39.05.11   which  placed                                                                    
restrictions  on appointments  to board  and commissions  (a                                                                    
provision  added   in  the  House  Finance   Committee).  He                                                                    
continued with  Section 2 which  adjusted the  lending power                                                                    
of the bank  by eliminating the borrowing  limits on certain                                                                    
types of  loans. It also  removed the  residency requirement                                                                    
for  certain types  of capital  loans. If  the facility  was                                                                    
located in  the state  it expanded the  loans. It  also made                                                                    
loans   available  for   certain   tourist  operations   and                                                                    
operations dedicated  to the  development of  or exploration                                                                    
of natural  resources. He reported  that Section  3 required                                                                    
the bank to consider  whether the principles of conservation                                                                    
and sustained yield would limit  the ability to repay a loan                                                                    
when  collateral  would  primarily   be  used  in  a  salmon                                                                    
fishery, a  provision added by the  House Finance Committee.                                                                    
Section  4  added  commercial  agriculture  to  the  current                                                                    
provisions allowing loans to non-members.                                                                                       
                                                                                                                                
Mr. Paschall  continued that Sections  5 and 6  pertained to                                                                    
loans to  non-members changing the dollar  limitation on the                                                                    
loans to non-members from $25  thousand to $50 thousand, and                                                                    
increasing the  debt capital ratio  of loans  to non-members                                                                    
to 25 percent  of the total bank assets.  Section 7 inserted                                                                    
conforming  language  pertaining  to the  bank  examinations                                                                    
added  in Section  9  and  also corrected  a  change in  the                                                                    
language  by Legislative  Legal Services.  He reported  that                                                                    
Section  8 allowed  the  bank  to make  a  list of  eligible                                                                    
members  that could  serve  on the  board  available to  the                                                                    
membership  for election  purposes. Section  9 required  the                                                                    
Department  of Commerce  Community and  Economic Development                                                                    
to examine the bank at least  once every 36 months as it did                                                                    
with  other  banks  in  the state.  Section  10  repealed  a                                                                    
limitation  on the  compensation of  directors currently  in                                                                    
statute,  and  allowed the  board  to  set compensation  for                                                                    
board  members.  Previously  there   was  a  prohibition  on                                                                    
lobbying by  the bank. The  bank requested the  provision be                                                                    
removed in  statute but the  change that would have  done so                                                                    
was  removed from  the bill.  He furthered  that Section  11                                                                    
simply delayed examinations to one  year after the effective                                                                    
date  of the  act  so that  the  bank could  be  sure to  be                                                                    
compliant with  the requirements of the  banking commission.                                                                    
Section 10 made the act effective immediately.                                                                                  
                                                                                                                                
9:50:22 AM                                                                                                                    
                                                                                                                                
Senator Olson inquired what CFAB's  current default rate was                                                                    
compared  to  what  it  was   5,  10,  or  15  years  prior.                                                                    
Representative  Feige was  unsure of  the exact  number, but                                                                    
understood  that it  was relatively  low. He  concluded that                                                                    
the president of CFAB would be able to answer the question.                                                                     
                                                                                                                                
Senator Olson noted  that commercial fishing was  a big part                                                                    
of his  district and stated  that most of the  villages that                                                                    
he  represented  were  along   the  coast.  He  inquired  if                                                                    
different organizations  and fishermen were in  favor of the                                                                    
bill  and  if  anyone  had  voiced a  position  on  it.  Mr.                                                                    
Paschall replied that there had  not been any outside groups                                                                    
that  had expressed  any  direct position  on  the bill.  He                                                                    
explained that the bill only  affected the operation of CFAB                                                                    
and did  not change  any of the  policies that  pertained to                                                                    
loaning  to the  fishing industry,  rather, it  pertained to                                                                    
other industries.                                                                                                               
                                                                                                                                
9:51:49 AM                                                                                                                    
                                                                                                                                
Senator Olson asked  about the inability to  lobby on behalf                                                                    
of the  bank. Mr.  Paschall replied that  when the  bank was                                                                    
created state funds were involved  in its operation. Through                                                                    
the statute that  created the bank, one  of the requirements                                                                    
outlined was  that the bank reimburse  the state. Currently,                                                                    
the state  did not have  an ownership interest in  the bank.                                                                    
The  governor  currently  appointed two  members  to  CFAB's                                                                    
board of directors. The other  members were elected to their                                                                    
seats. All members  had to be members of the  bank. The bank                                                                    
operated  as a  private  for-profit corporation  and had  an                                                                    
interest in  having someone in Juneau  to track legislation.                                                                    
However, she stressed that with  only 10 employees, the bank                                                                    
preferred   to  hire   a  representative,   a  lobbyist   by                                                                    
definition.                                                                                                                     
Senator  Olson  assumed  that other  banks  had  a  lobbyist                                                                    
acting   on    their   behalf.   Mr.    Paschall   responded                                                                    
affirmatively.                                                                                                                  
                                                                                                                                
9:53:18 AM                                                                                                                    
                                                                                                                                
Vice-Chair Fairclough directed  the committee's attention to                                                                    
page  4  of the  bill  and  expressed  a concern  about  the                                                                    
familiarity  of  those  receiving  loans  and  those  making                                                                    
loans. In Section 2, number 15C  at least one of the primary                                                                    
obligors of the loan needed to  be a member of the bank. She                                                                    
asked  for clarification  about membership  requirements and                                                                    
account status in order to borrow.                                                                                              
                                                                                                                                
Mr. Paschall  responded that  the provisions  being expanded                                                                    
in  one  section  of  the  bill  pertaining  to  non-members                                                                    
allowed a  non-member to  receive a limited  loan up  to $50                                                                    
thousand.  All other  loans provided  by  the bank  required                                                                    
that the person obtaining the loan  be a member of the bank.                                                                    
A person  was required  to purchase one  share of  class "A"                                                                    
stock and  pay a fee  equal to  2 percent of  a pre-approved                                                                    
loan amount  ($2500 maximum)  to establish  membership. Once                                                                    
an obligee paid off their loan their membership expired.                                                                        
                                                                                                                                
9:55:05 AM                                                                                                                    
                                                                                                                                
Vice-Chair  Fairclough inquired  what the  catalyst was  for                                                                    
the bill's changes. Representative  Feige responded that the                                                                    
provisions the bill attempted to  change simply expanded the                                                                    
ability to loan  larger amounts of money to  the tourism and                                                                    
natural resources  industries. It  also allowed the  bank to                                                                    
expand  its  ability  to  loan   to  non-residents.  It  was                                                                    
required  that they  have operations  and facilities  within                                                                    
the state, and were members  of the bank. The bill broadened                                                                    
the market  in which CFAB  could lend. He reported  that the                                                                    
"married couple" reference was  part of the original statute                                                                    
language.                                                                                                                       
                                                                                                                                
9:56:45 AM                                                                                                                    
                                                                                                                                
Vice-Chair  Fairclough noted  the new  amended language  and                                                                    
commented  that it  could also  be  referring to  additional                                                                    
statute.  She pointed  to page  6 of  the bill  and recalled                                                                    
that  there had  been  an increased  funding  ratio for  the                                                                    
debt. She wanted  clarification on the ability  to extend to                                                                    
25 percent  of an asset base.  She asked if it  was standard                                                                    
business  practice  because  she   thought  debt  ratio  was                                                                    
supposed to be significantly lower.                                                                                             
                                                                                                                                
Representative  Feige  pointed to  page  5  of the  bill  in                                                                    
Section  4 and  stated that  the section  of law  dealt with                                                                    
loans made to non-members of the bank. The loans to non-                                                                        
members  were originally  restricted to  commercial fishing.                                                                    
The bill  would expand  to commercial agriculture  in remote                                                                    
areas. Section 5 expanded the  maximum loan amount made to a                                                                    
non-member. In  Section 6 the  bank's overall  percentage of                                                                    
capital that  could be loaned  out increased from  8 percent                                                                    
to 25 percent.                                                                                                                  
                                                                                                                                
9:58:46 AM                                                                                                                    
                                                                                                                                
Vice-Chair  Fairclough noted  that  raising  the asset  base                                                                    
from  8 to  25 percent  was  financially risky  and was  not                                                                    
standard business practice. The State  of Alaska looked at 8                                                                    
to 10 percent with its  "AAA" rating. She inquired about why                                                                    
the  large jump  was  being  proposed. Representative  Feige                                                                    
replied that they were referring  to the capital of the bank                                                                    
and  that the  purpose  of  the bank  was  to  loan out  its                                                                    
capital.  The legislation  limited the  amount of  the total                                                                    
capital  that could  be  loaned  to non-members.  Vice-Chair                                                                    
Fairclough iterated her awareness.                                                                                              
                                                                                                                                
9:59:44 AM                                                                                                                    
                                                                                                                                
Senator  Bishop wanted  to know  the definition  of a  state                                                                    
resident.  Mr. Paschall  responded  that  the definition  in                                                                    
statute applied. Senator Bishop  requested that Mr. Paschall                                                                    
provide the statute definition to his office.                                                                                   
                                                                                                                                
Representative  Feige  responded   to  Senator  Fairclough's                                                                    
question regarding  married couples. He referred  to page 1,                                                                    
line 14,  Section 2  of the bill  stating that  the language                                                                    
was part  of the  original statute  and the  amendments were                                                                    
aligned with existing statute.                                                                                                  
                                                                                                                                
Co-Chair  Meyer  inquired  if  the  bill  had  gone  through                                                                    
significant  changes as  it  progressed  through the  house.                                                                    
Representative Feige confirmed that  there had been a number                                                                    
of  amendments adopted  during  the  committee process.  Co-                                                                    
Chair Meyer  asked if  the amendments  were amenable  to the                                                                    
sponsor.   Representative  Feige   signified  that   he  had                                                                    
accepted them as part of the committee process.                                                                                 
                                                                                                                                
10:01:57 AM                                                                                                                   
                                                                                                                                
LELA   KLINGERT,    PRESIDENT,   COMMERCIAL    FISHING   AND                                                                    
AGRICULTURE BANK,  JUNEAU, spoke in  support of HB  121. She                                                                    
relayed  that  CFAB  was  a  privately  owned  and  operated                                                                    
financing  cooperative  that  provided  loans  to  residents                                                                    
involved  in the  commercial fishing,  agricultural tourism,                                                                    
and  resource-based industries  of  Alaska. The  bank was  a                                                                    
product  of legislation  introduced  in the  late 1970s.  At                                                                    
present, it operated as the  sole subject of AS.44.81, which                                                                    
was the  focus of HB 21  before the committee. The  bank was                                                                    
committed and  structured to serve resident  individuals and                                                                    
smaller  companies  in  a  highly  focused  and  specialized                                                                    
manner.  Many  of  its  members   and  borrowers  would  not                                                                    
otherwise  have  access  to loan  funds  in  reasonable  and                                                                    
constructive terms.                                                                                                             
                                                                                                                                
Ms. Klingert  continued to address the  changes requested in                                                                    
HB 21. She pointed out that  the changes sought to provide a                                                                    
level playing field  in CFAB's lending authority  for all of                                                                    
the  industries and  markets that  it served  as well  as to                                                                    
allow CFAB  the same  discretion as other  small businesses.                                                                    
She reported that CFAB did  not oppose any of the amendments                                                                    
made to  HB 121  with the exception  of the  lobbyist issue.                                                                    
She  elaborated  that CFAB  was  100  percent owned  by  its                                                                    
membership allowing CFAB to engage  a lobbyist to assist in,                                                                    
monitor, and deal with issues  that would potentially impact                                                                    
CFAB  without  using  any  state  funds  or  resources.  She                                                                    
reported that  it was the  most cost-effective way  in which                                                                    
to handle  such matters.  She reiterated  that CFAB  and its                                                                    
board of directors supported HB 121.                                                                                            
                                                                                                                                
10:04:11 AM                                                                                                                   
                                                                                                                                
Vice-Chair  Fairclough referred  to page  6, Section  6. She                                                                    
asked  about the  board's reasoning  to  increase the  total                                                                    
ratio of  assets to debt from  8 percent to 25  percent. She                                                                    
further  commented that  the increase  could prove  to be  a                                                                    
higher risk. Ms. Klingert responded  that her concerns would                                                                    
be  raised in  a  traditional banking  model  in which  most                                                                    
banks dealt  with depositors'  money. In  the case  of CFAB,                                                                    
all  of  its capital  was  lent  out. Beyond  capital,  CFAB                                                                    
borrowed  money and  in turn  lent it  out. She  agreed with                                                                    
Senator Fairclough  that the percentage increase  was risky.                                                                    
She  also   reported  that  CFAB  was   created  to  provide                                                                    
financing for industries that were  unable to access funding                                                                    
due to their volatile  business nature, adding another layer                                                                    
of lending  risk. Section  6 allowed CFAB  to make  loans to                                                                    
non-members.  A  requirement of  membership  was  to make  a                                                                    
financial  investment in  the cooperative.  Some individuals                                                                    
in rural  areas could not  afford the mandatory  outlay. The                                                                    
original part of  the statute was included to  allow CFAB to                                                                    
loan up  to $25 thousand  for fishing to  assist individuals                                                                    
who could  not afford  a membership investment.  She pointed                                                                    
out that part of CFAB's mission  was to serve rural parts of                                                                    
Alaska. She  affirmed that CFAB's efforts  to mitigate risks                                                                    
showed in its lending record.                                                                                                   
                                                                                                                                
10:06:39 AM                                                                                                                   
                                                                                                                                
Vice-Chair Fairclough  noted that  CFAB was  almost tripling                                                                    
its risk. She stated that  the change reflected a 17 percent                                                                    
increase.  She furthered  that the  increase  was not  being                                                                    
implemented  with  incremental   steps.  Klingert  responded                                                                    
affirmatively. She indicated  that it would be  a maximum of                                                                    
$5  million   based  on  CFAB's  capital,   currently  which                                                                    
represented  less   than  10  percent  of   its  total  loan                                                                    
portfolio.  She  was  uncertain   of  the  loan  demand  and                                                                    
informed the  committee that although the  legislation would                                                                    
allow for the  increased debt ratio, it  was undetermined if                                                                    
management would lend to the full extent.                                                                                       
                                                                                                                                
Vice-Chair Fairclough  inquired if there had  been unanimous                                                                    
support of the board of  directors in making the proposal to                                                                    
come forward. Ms. Klingert replied in the affirmative.                                                                          
                                                                                                                                
Senator Olson  inquired about Ms. Klingert's  background and                                                                    
expertise  in banking.  Ms. Klingert  relayed  that she  had                                                                    
been in  banking her entire  career. She started out  in the                                                                    
operational side  of banking and  spent a few  years working                                                                    
in lending for the government.  She also worked for a couple                                                                    
of  private institutions.  She informed  the committee  that                                                                    
she had been with CFAB for 26 years.                                                                                            
                                                                                                                                
10:08:28 AM                                                                                                                   
                                                                                                                                
Senator Olson  expressed his concern  about the  increase in                                                                    
risk. He  recounted the  Bank of the  North going  under and                                                                    
how he  was affected personally.  He viewed CFAB's  money as                                                                    
depositors'  money  belonging  to fishing  and  agricultural                                                                    
people  who had  a vested  interest  in the  actions of  the                                                                    
bank.  He asked  whether CFAB  was concerned  about tripling                                                                    
the current  number. Ms. Klingert responded  that there were                                                                    
always concerns and  CFAB was managing a  balance of staying                                                                    
true  to its  mission  of serving  rural  folks and  staying                                                                    
financially  sound. She  reported  that  CFAB's early  years                                                                    
were sketchy, particularly  in the 1980s when  the bank came                                                                    
close  to  failing.  She   expressed  confidence  in  CFAB's                                                                    
mission and its staff in  order to remain financially sound.                                                                    
The bank's history demonstrated  its responsibility which it                                                                    
took very seriously. She agreed  that the proposal was risky                                                                    
and also  presumed that because  of the types  of industries                                                                    
it served  it was  also at  a higher  risk. She  assured the                                                                    
committee  that  the  bank  followed  a  very  sound  credit                                                                    
practice.                                                                                                                       
                                                                                                                                
10:10:22 AM                                                                                                                   
                                                                                                                                
Senator Olson noted that CFAB  had voiced reservations about                                                                    
the lobbying  aspect of the  bill. He asked Ms.  Klingert to                                                                    
elaborate  and  indicated  it was  a  sensitive  issue.  She                                                                    
agreed  that lobbying  was a  delicate issue  but emphasized                                                                    
that  CFAB was  presently  a private  entity. She  continued                                                                    
that the  bank paid  taxes. She  furthered that  even though                                                                    
the bank operated  under state statute the  bank was private                                                                    
and small in numbers. She indicated  that she had a staff of                                                                    
less than  10 people. The  commitment of time  and financial                                                                    
resources made  it very difficult to  sponsor legislation in                                                                    
order  to change  the bank's  business  plan. She  continued                                                                    
that Senator Coghill and Representative  Feige had been very                                                                    
generous  to take  up  the legislation.  The  other item  of                                                                    
concern was  having to travel  with her director  to Juneau,                                                                    
which took him  away from his post for two  or three days at                                                                    
a time. She  wanted to better understand why  there would be                                                                    
objection  for a  private company  to have  the same  rights                                                                    
that  every other  private company  had. She  reiterated the                                                                    
time and  resources that  were dedicated  to the  process of                                                                    
changing the banks' business plan and its inconvenience.                                                                        
                                                                                                                                
Senator Olson liked  the concept of a  lending facility that                                                                    
dealt with  less than conventional people  doing business in                                                                    
volatile markets.  He inquired how many  rural residents the                                                                    
bank dealt with that were  not connected to the road system.                                                                    
Ms. Klingert  provided an approximation of  about 50 percent                                                                    
of  CFAB's membership.  Rural members  included people  from                                                                    
Kenai.                                                                                                                          
                                                                                                                                
Vice-Chair  Fairclough inquired  about the  number of  loans                                                                    
typically  issued in  a year  and CFAB's  default rate.  Ms.                                                                    
Klingert  responded that  CFAB  received an  average of  120                                                                    
applications annually  and made  approximately 60  loans per                                                                    
year.  The  default   rate  fluctuated  from  month-to-month                                                                    
between 2 to 4 percent.                                                                                                         
                                                                                                                                
10:14:25 AM                                                                                                                   
                                                                                                                                
Co-Chair Meyer noted  that CFAB was still  under the state's                                                                    
statutes and  inquired about  the kind  of state  support it                                                                    
received. Ms. Klingert replied  that through the legislative                                                                    
process   it  received   support.  She   mentioned  that   a                                                                    
department  of   the  state  was   one  of   CFAB's  largest                                                                    
competitors   making   things   difficult  at   times.   She                                                                    
appreciated  the help  of banking  and the  examiner to  put                                                                    
forward legislation to reinstate  the examination of CFAB, a                                                                    
provision removed  from statute  in 2003. She  reported that                                                                    
CFAB  worked  very  closely   in  cooperation  with  various                                                                    
agencies such as the  Commercial Fisheries Entry Commission.                                                                    
She acknowledge the state's overall support.                                                                                    
                                                                                                                                
Vice-Chair Fairclough inquired what  kind of assets CFAB was                                                                    
invested in. Ms. Klingert replied  that of its assets CFAB's                                                                    
loans represented  approximately 98  percent of  its assets.                                                                    
She added that CFAB owned its office building in Anchorage.                                                                     
                                                                                                                                
Co-Chair Meyer CLOSED public testimony.                                                                                         
                                                                                                                                
HB  121  was  HEARD  and   HELD  in  committee  for  further                                                                    
consideration.                                                                                                                  
                                                                                                                                

Document Name Date/Time Subjects
CSHB 297(FIN) AHFC Fact Sheet.pdf SFIN 4/16/2014 9:00:00 AM
HB 297
HB 293 - Explanation of Changes.pdf SFIN 4/16/2014 9:00:00 AM
HB 293
HB 293 - List of specialty plates 5 yrs.pdf SFIN 4/16/2014 9:00:00 AM
HB 293
HB 293 - Sectional Analysis.pdf SFIN 4/16/2014 9:00:00 AM
HB 293
HB 293 - Statutes affected by bill.pdf SFIN 4/16/2014 9:00:00 AM
HB 293
HB 293 - Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 293
HB 293 - Sample Photo.pdf SFIN 4/16/2014 9:00:00 AM
HB 293
Changes to HB 263 HHSS.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB 263 Foodbank letter of support.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB 263 SBP Demographics.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB 263 letter of support CC.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB 263 SBP Fact Sheet (01-31-14).pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB 263 Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB220 Response Rep. Higgins to HFIN.pdf SFIN 4/16/2014 9:00:00 AM
HB 220
HB263 AARP Support.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB263 Agenet Letter.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB263(2014) letter of support.pdf SFIN 4/16/2014 9:00:00 AM
HB 263
HB 204 - Alaskan-Seafood-Processing-Effluent-Guidelines-Notice-of-Data-Availability-Factsheet.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB 204 - DCCED Presentation.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB 204 - DOR Qualified Equipment.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB 204 - Letters of Support.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB 204 - Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB204 - DOR 2013 Annual Report Page 19.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB204 - DOR Data on Fishery Business Tax Credits.pdf SFIN 4/16/2014 9:00:00 AM
HB 204
HB379 Sectional Analysis.pdf SFIN 4/16/2014 9:00:00 AM
HB 379
HB379 Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 379
HB379 Summary of Changes ver A to ver U.pdf SFIN 4/16/2014 9:00:00 AM
HB 379
HB379 Supporting Documents - Letter NSB.pdf SFIN 4/16/2014 9:00:00 AM
HB 379
HB 308 Letter of Support 1.pdf SFIN 4/16/2014 9:00:00 AM
HB 308
HB 308 Letter of Support 2.pdf SFIN 4/16/2014 9:00:00 AM
HB 308
HB 308 Letter of Support.pdf SFIN 4/16/2014 9:00:00 AM
HB 308
HB 308 Presentation by the Division of Banking and Securities.pdf SFIN 4/16/2014 9:00:00 AM
HB 308
HB 308 Sponsor Statement v 1.pdf SFIN 4/16/2014 9:00:00 AM
HB 308
HB 361 - CCEIBISEChildrenAutism4 - provided by Suzanne Letso.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 - Connecticut cost comparison - Suzanne Letso.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 - Jacobson and Mulick Behavioral Interventions Cost Benefit for early behavioral intervention abstract.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 - Letter of Support AKABA Position Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 - Letter of Support AKABA Position Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 - Letters of Support - combined.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
HB 361 Sectional Analysis.pdf SFIN 4/16/2014 9:00:00 AM
HB 361
CSHB 116-Explanation of Changes.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document- James Baisden March 15th 2013.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter Eric Spitzer.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter James Sears.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter John Brown.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter Kenneth Acton.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter Marc Clowder.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter Mathew Dobson.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter Vance Peronto.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document Letter Vance Peronto.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document-APOA Letter of Support for February 2014.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document-David Denslow March 15th 2013.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document-PSEA Position Paper Feb 18 2013.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
HB 116 Supporting Document-PSEA Position Paper Feb 18 2013.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
House Bill 116-Updated Sectional Summary.pdf SFIN 4/16/2014 9:00:00 AM
HB 116
SB 48 - effected employers.PDF SFIN 4/16/2014 9:00:00 AM
SB 48
SB 48 - Employers impacted by salary floor.PDF SFIN 4/16/2014 9:00:00 AM
SB 48
SB 48 - muni bankruptcy.PDF SFIN 4/16/2014 9:00:00 AM
SB 48
SB 48 - Sponsor Statement.docx SFIN 4/16/2014 9:00:00 AM
SB 48
HB 121 Sectional Analysis 28-LS0491Y.pdf SFIN 4/16/2014 9:00:00 AM
HB 121
HB 121 Support Letters.pdf SFIN 4/16/2014 9:00:00 AM
HB 121
Email Repsonse from Div. Corp,Busi, & Prof Licensing.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB 160 Legal Opinion.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Sectional Analysis - Legal.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Sectional Analysis.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Sponsor Statement.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Athletic Trainer Profession Sheet.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Athletic Trainers Fact Sheet.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter ASAA 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter Daniel Esparza 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter Dennis Sorenson 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter John Jessen 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter John Snead 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter Kathleen Navarre 2-20-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter Michael Vincent 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter of Support NATA.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents- Letter Ryan Theuer 2-21-14.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents-AATA Letter.pdf SFIN 4/16/2014 9:00:00 AM
HB 160
HB160 Supporting Documents-Letter of support NWATA.pdf SFIN 4/16/2014 9:00:00 AM
HB 160