Legislature(2013 - 2014)BARNES 124
01/23/2013 03:15 PM House LABOR & COMMERCE
| Audio | Topic |
|---|---|
| Start | |
| Overview: Department of Commerce, Community, & Economic Development (dcced) | |
| Adjourn |
* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+ teleconferenced
= bill was previously heard/scheduled
ALASKA STATE LEGISLATURE
HOUSE LABOR AND COMMERCE STANDING COMMITTEE
January 23, 2013
3:20 p.m.
MEMBERS PRESENT
Representative Kurt Olson, Chair
Representative Lora Reinbold, Vice Chair
Representative Bob Herron
Representative Charisse Millett
Representative Dan Saddler
Representative Andrew Josephson
MEMBERS ABSENT
Representative Mike Chenault
COMMITTEE CALENDAR
OVERVIEW: DEPARTMENT OF COMMERCE~ COMMUNITY~ & ECONOMIC
DEVELOPMENT (DCCED)
- HEARD
PREVIOUS COMMITTEE ACTION
No previous action to record
WITNESS REGISTER
SUSAN BELL, Commissioner
Department of Commerce, Community & Economic Development (DCCED)
Juneau, Alaska
POSITION STATEMENT: Testified during the overview of the
Department of Commerce, Community & Economic Development
(DCCED).
DON HABEGER, Director
Division of Corporations, Business and Professional Licensing
Department of Commerce, Community & Economic Development (DCCED)
Juneau, Alaska
POSITION STATEMENT: Testified during the DCCED's overview of
the Division of Corporations, Business, & Professional Licensing
(CBPL).
BRET KOLB, Director
Division of Insurance
Department of Commerce, Community & Economic Development (DCCED)
Juneau, Alaska
POSITION STATEMENT: Testified during the DCCED's overview of
the Division of Insurance (DOI).
LORIE HOVANEC, Director
Anchorage Office
Division of Banking and Securities
Department of Commerce, Community & Economic Development (DCCED)
Anchorage, Alaska
POSITION STATEMENT: Testified during the DCCED's overview of
the Division of Banking and Securities (DBS).
ACTION NARRATIVE
3:20:55 PM
CHAIR KURT OLSON called the House Labor and Commerce Standing
Committee meeting to order at 3:20 p.m. Representatives Herron,
Millett, Reinbold, Saddler, Josephson and Olson were present at
the call to order.
3:21:12 PM
CHAIR OLSON named Representative Reinbold as Vice Chair of the
Labor & Commerce Standing Committee.
^Overview: Department of Commerce, Community, & Economic
Development (DCCED)
Overview: Department of Commerce, Community, & Economic
Development (DCCED)
3:21:38 PM
CHAIR OLSON announced that the only order of business would be
an overview by the Department of Commerce, Community, & Economic
Development (DCCED).
3:21:57 PM
SUSAN BELL, Commissioner, Department of Commerce, Community &
Economic Development (DCCED), introduced herself. She also
introduced her directors and Crystal Koeneman, Special
Assistant. She began her presentation by outlining the
department's mission, which is to ensure that competent,
professional and regulated commercial services are available to
Alaska consumers.
COMMISSIONER BELL mentioned the DCCED is comprised of five
consumer protection agencies: the Division of Corporations,
Business & Professional Licensing (CBPL); the Division of
Insurance (DOI); Division of Banking & Securities (DBS), [an
independent agency], the Regulatory Commission of Alaska (RCA);
and the Alcoholic Beverage Control Board (ABC Board) - which
transferred to the DCCED in July 2012. She indicated the
department has 13 agencies that work to achieve the department's
mission and serve Alaskans. These agencies have been working to
address the high cost of energy, strategic development of
infrastructure, and marketing goods and services. She said it's
important to consider the role of the agencies - which provides
a strong foundation and helps foster an attractive business
climate and environment - that can provide stability, reasonable
regulation, low taxes and fees, and consumer protection to
ensure the public receives the services they believe they are
purchasing or engaging in. She characterized the agencies as
often providing an "unsung role." She noted members typically
hear from constituents when something goes wrong, but the day-
to-day work the DCCED does provides the fabric and foundation
for businesses and the public.
3:25:27 PM
REPRESENTATIVE HERRON asked the commissioner to list a
disappointment and a success for the DCCED.
COMMISSIONER BELL answered she considered his question a
thought-provoking one. She said she struggled to answer the
disappointment, but suggested that the DCCED operates with
substantial uncertainty. She remarked it was only weeks ago the
country was facing a "fiscal cliff," which will need to be faced
at the federal level in the future. Additionally, uncertainty
exists internationally with Alaska's partners in Asia and
Europe, in terms of seafood exports, minerals exports, and
tourism relationships. She said despite the uncertainty, Alaska
has so much to offer in terms of resources and financial
stability. She said she thinks it's important to focus on what
can be controlled that makes a difference and "calms that
uncertainty." She expressed excitement about the continuing
visibility of the Arctic. She recalled a recent announcement
about the communication structure between Europe, Asia and the
Arctic. She said the department is providing infrastructure
that connects Alaska to Asia and Europe. She reported the
department will be working with private sector businesses in the
United Kingdom, in Reykjavík, and in other European markets.
She related the department is currently working on the
groundwork necessary for air travel between Iceland and Alaska,
which will begin in May. She pointed out that the Pacific
NorthWest Economic Region (PNWER) has also focused on the
Arctic. She characterized Alaska as making the U.S. an "Arctic
nation." She concluded by noting a tremendous amount of
opportunity exists and work needs to be done, as well.
3:29:38 PM
DON HABEGER, Director, Division of Corporations, Business and
Professional Licensing (CBPL), Department of Commerce, Community
& Economic Development (DCCED), began a PowerPoint presentation,
noting while the CBPL falls under the regulatory branch and the
agency contributes a role in economic development and in
creating strong communities. He characterized his comments
today as providing a "20,000 foot" broad overview. He said he
thinks of his division as analogous to a three-legged stool,
providing three functions, including professional licensing,
business licensing and tobacco endorsements, and corporate
registration. The professional licensing is provided under AS
08. The division oversees approximately 40 professions,
including 20 boards. The boards actually provide the licensing
for the specific professions and set specific licensing
criteria. The division provides administrative functions,
including providing examination services to the boards. Some
professions, such as naturopaths do not have boards. He held up
a pamphlet that describes the professions the agency supports
and promised to provide copies to members at a later date. He
reported the second leg of the stool in his division is the
business licensing and tobacco endorsements section.
3:34:10 PM
CHAIR OLSON interjected a question. He referred to the
naturopath profession and asked for the number of licensees who
operate in Alaska. He recalled the legislature previously has
considered creating a board for naturopaths.
MR. HABEGER estimated about 50 naturopaths are licensed in
Alaska. He offered to provide the committee with the exact
number, but recalled the number is similar to the size of the
Board of [Certified Direct-Entry] Midwives.
CHAIR OLSON acknowledged the licensed naturopaths were
comparable-sized board [to the Board of Certified Direct-Entry]
Midwives]. He suggested perhaps the committee will consider a
naturopathic board again this year.
3:35:17 PM
MR. HABEGER continued. He said businesses that wish to sell
tobacco products at the retail level must have an endorsement.
He said the third leg of the stool is corporation registration
under AS 10, which provides guidance for all the corporations in
the state. These corporations have an obligation to the state
to register. Additionally, corporations must identify the
specific activities the corporation will engage in, along with a
requirement to submit biennial reporting requirements to
identify any changes, including changes to corporate officers.
This information becomes public and anyone can go to the
division's website and access and review the corporate
documents.
3:36:13 PM
REPRESENTATIVE SADDLER asked whether the division's corporation
section follows the same federal nomenclature for occupations.
MR. HABEGER agreed the initial corporate application requests
the specific North American Industry Classification System
(NAICS) code. The business licensing section has adopted a less
robust list than the federal NAICS, but the CBPL tracks the
specific occupation, he said.
3:37:07 PM
MR. HABEGER read the mission statements related to the "three-
legged stool" functions the division provides. He recalled the
legislature challenged the division last year to formulate
efficiency measures as well as effectiveness measures. He
suggested this is a good direction for the division to take. He
has challenged his executive staff to consider these measures.
He read mission statements [slide 3], as follows:
Professional licensing: Provide effective and
efficient licensure of Alaska's professionals.
Corporations & Business Licensing: Promote commerce
by processing business and entity filings, ensure
statutory and regulatory compliance, and provide the
public access to documents filed for record.
Investigations: Protect Alaskan consumers by
providing investigative and enforcement support.
MR. HABEGER related the majority of the division's efforts fall
under professional licensing and in registering corporations.
He related the activities comprise approximately 120,000 or more
annual actions. He stated the investigations section is much
smaller and investigative staff spends the majority of time
investigating professional licensees based on complaints.
3:39:27 PM
MR. HABEGER related the division's business and customer
activity [slide 4]. In FY 12, the division licensed over 63,000
professional licenses, he said. He stated that 1.2 percent
represented new applicants. In FY 12, over 66,000 business
licenses were issued with 23 percent representing new
businesses; however, this does not necessarily represent new
businesses, but may relate to an existing business that has
added a new activity. He pointed out that businesses also have
an option to renew annually or biennially. He further reported
in FY 12, 50,000 corporations registered, with 1.2 percent
representing new registrants. He reported that the division
recently instituted a new database that will help the division
identify the corporations not in compliance, and allow the
division to proactively contact licensees to ensure compliance,
or dissolve any corporation if it is obsolete. In FY 12, 1,200
investigations were conducted, with 55 percent of investigations
closed during the fiscal year, he said. He clarified that an
investigative action could be as simple as someone phoning the
agency to complain about substandard service experiences with a
professional, but some actions lead to formal licensing actions
by the board or the division.
3:42:47 PM
MR. HABEGER pointed out the organization chart [slide 5]. He
explained this slide demonstrates the number of people it takes
to manage the activities in the division. He pointed out the
color coding used to differentiate staff for licensing,
investigations, administrative, corporate, and business
licensing.
3:43:44 PM
CHAIR OLSON noted new members serving on the committee. He
pointed out that Representative Saddler has substantial
experience with boards and commissions.
3:44:26 PM
BRET KOLB, Director, Division of Insurance (DOI), Department of
Commerce, Community & Economic Development (DCCED), remarked
that he joined the division in May 2012 when Linda Hall retired.
He related he has 20 years of experience in the insurance
industry, primarily in life and health insurance.
3:45:56 PM
MR. KOLB referred to the Division of Insurance's mission, which
is to regulate the insurance industry to protect Alaskan
consumers, while promoting a healthy, competitive marketplace
[slide 2]. He reiterated the two core components are protecting
Alaska's consumer and regulating the insurance marketplace. He
referred to the division's mission as providing a "level playing
field," which must be kept in balance to allow the industry to
work in Alaska's market while protecting Alaskans.
3:46:46 PM
MR. KOLB turned to the industry overview [slide 3]. He pointed
out Alaska's industry is different than most states in that
Alaska has a large geographic area with smaller population, as
well as complex pricing and service delivery challenges. He
said despite these challenges, Alaska's market is active and
functioning. He reported $3.1 billion of total premium was
written in calendar year 2011; 1,085 insurance companies were
admitted to do business in Alaska, and 42,753 licensees
currently operate in Alaska. He indicated this is almost a ten
percent increase over FY 2011. He clarified that some licensees
reside in the Lower 48, but serve Alaska through surplus lines.
3:48:14 PM
REPRESENTATIVE HERRON asked him to describe the market given the
three bullets he just described on slide 3.
MR. KOLB responded that the insurance industry is broad and
includes property, casual, life, and health components. He
offered his belief the industry in Alaska faces many challenges
due to the geographic diversity. He recognized that serving
urban needs might be different than serving the needs of rural
residents. In terms of a soft or hard market, Mr. Kolb
responded that the $3.1 billion previously mentioned
demonstrates an active industry in Alaska. He said companies
continue to express ongoing interest in providing services in
Alaska and he hoped the division could help move that activity
forward. In further response, he agreed the market could be
summarized as a soft market still moving in that direction. In
response to a question by Chair Olson, he agreed this would not
apply to major medical insurance. He related insurance is a
topic that is very broad.
CHAIR OLSON predicted the division will face some difficulties
enforcing some requirements related to major medical insurance
since insurance will be driven by the [federal] Obama
administration's changes. He said the division will not have
much leeway with respect to the current rate structure.
MR. KOLB said one of the keys to maintain and grow the
marketplace is through effective statutes and regulations. He
offered his belief that the division can help the industry
through its regulatory function.
3:51:07 PM
MR. KOLB reviewed the Division of Insurance's organization
[slide 4]. He said the division is split into six sections with
specific roles. The licensing section oversees and administers
the licensure of agents, brokers, and insurance entities. In
response to Representative Saddler, Mr. Kolb answered he was
unsure which parts of the industry contributed to the ten
percent growth in the licensing activity.
3:52:16 PM
MR. KOLB continued with the Division of Insurance's organization
[slide 4]. He said the division functions include licensing,
consumer services, investigations, filings and market conduct,
financial examination, and administrative functions. Besides
interactions on licensing and consumer services, the division
works to educate consumers on insurance. He related that
insurance complex for some people and the agency continues to
strive to broaden its consumer assistance. The division's
investigation section provides the first line of defense against
fraud committed against consumers and the industry. The
division has touch points with insurance industry in filings and
market conduct. The industry files rates and forms, which the
division reviews to ensure compliance with Alaska statutes. In
terms of financial examination, it is critical for the division
to review the solvency of an insurance company to ensure
companies can carry out future promises. The administrative
section oversees and manages many state activities, including
human resources, finance, and budget development areas. He
reported the division has two locations, with 21 staff in
Anchorage and 30 located in Juneau. He said he resides in
Anchorage, but the division's deputy director, Martin Hester,
resides in Juneau and brings a property and casualty background
to the division, which helps broaden the knowledge to regulate
the industry as a whole. He advised members that the division
is fully funded by annual receipts and is able to provide the
state with approximately $58 million after receipts, fees, and
premium taxes. The division provides consumer protection and
creates an environment in which business can operate
effectively.
3:55:32 PM
MR. KOLB turned to the benefits and challenges the Division of
Insurance faces [slide 5]. He indicated despite the division's
best efforts, white collar crime has been on the increase and
the complexity of how crimes occur is also expanding. The
division is working to control and limit crime. The complexity
of insurance filings also continues to increase, which creates
challenges for consumers, as well as for regulators. He related
one division section reviews filings for compliance. In recent
months considerable discussion has surrounded the cost of health
care in Alaska, and while the insurance division doesn't
regulate the cost of health care, these costs do affect premium
rates. The state faces many unknowns related to federal health
care reform and as January 2014 approaches the division will
view how the federal will be regulated in Alaska and further
identify division's role in protecting consumers.
3:57:32 PM
REPRESENTATIVE HERRON noted 19 new insurance companies have been
admitted to do business in Alaska. He asked if these were
general insurance companies or represented a suite of insurance
companies.
MR. KOLB was unsure, but offered to provide the details to the
committee.
REPRESENTATIVE HERRON referred to limited workers' compensation
insurance. He asked whether the two pools, the Alaska Municipal
League Joint Insurance Association (AMLJIA) and Alaska Public
Entity Insurance (APEI) have asked to collectively work with the
division to solve issues.
MR. KOLB answered no, not specifically, although he has held
brief discussions which he characterized as being introductory.
3:58:57 PM
REPRESENTATIVE JOSEPHSON asked if questions about the Patient
Protection and Affordable Care Act (PPACA) are best directed to
him or the Department of Health and Social Services (DHSS). He
referred to the uncertainties previously mentioned and as
related to the exchange.
MR. KOLB pointed out a commitment and connection exists between
the Division of Insurance and the DHSS on health care, but he
understood the lead agency would be the DHSS. In further
response, Mr. Kolb deferred to HSS in terms of questions on
revenues the state would surrender by not accepting the maximum
MEDICAID funds under the PPACA.
REPRESENTATIVE JOSEPHSON noted his question is probably one best
answered by the commissioner. He stated the department
registers foreign corporations and he is interested in the types
of actions the DCCED is taking to protect consumers since this
activity is often litigated.
MR. KOLB agreed [it did not pertain to his division]. He
concluded that the division has its work cut out for it in the
years ahead.
4:01:56 PM
REPRESENTATIVE REINBOLD asked whether the Division of Insurance
plays a role similar to one of an insurance commissioner in
another state.
MR. KOLB related the director is comparable to directors or
commissioners in other states.
REPRESENTATIVE REINBOLD asked him to broadly explain his
authority.
MR. KOLB said the division has very broad authority in AS 21.
The Division of Insurance oversees licensing, rate-making, and
form filing for products offered in the state. The director
oversees and is responsible for these functions.
4:03:29 PM
CHAIR OLSON related the National Association of Insurance
Commissioner (NAIC) also provides the director with valuable
tools. These agents meet quarterly and spend 10 hours a week
networking to avoid "reinventing the wheel." They collectively
work to solve insurance issues, he said. He noted the group is
not always in agreement, such as for "Obamacare." He said he
has a list of members and access to the organization's database.
He characterized this as a non-political organization. He
offered to assist members if they have questions and the
director is not available.
4:05:00 PM
LORIE HOVANEC, Director, Anchorage Office, Division of Banking
and Securities, Department of Commerce, Community & Economic
Development (DCCED), introduced herself. She began her
PowerPoint by reading the Division of Banking and Securities'
mission; "to protect consumers of financial services and promote
safe and sound financial systems" [slide 2].
4:07:02 PM
MS. HOVANEC said the department provides financial services and
charters, licenses, register, accept filings, and examines state
financial institutions, as well as regulating the firms and
people who offer and sell securities, home mortgages, and money
services [slide 3]. She emphasized that every Alaskan is
affected by the programs the division administers involving
banks, credit unions, payday lenders, securities registered for
sale in Alaska, and the investment advisors, sales agents, and
brokers who sell these securities. She noted Alaskans who wire
funds, use travelers checks or money orders or exchange currency
are affected by banking and securities. She reported the
division has 25 staff positions, which are evenly split between
three sections: banking, consumer finance, and securities.
4:07:39 PM
MS. HOVANEC listed the division's programs [slide 3]. She
detailed activities for these three sections: banking, consumer
finance, and securities. The banking section charters,
licenses, and examines 70 state financial institutions,
including four state banks, three bank holding companies, one
credit union, two trust companies, the Business and Industrial
Development Corporation (BIDCO), a small loan company, 24
premium finance company offices, and 34 payday loan offices, she
said. She pointed out these financial institutions are examined
at least once each 18 months by statute. She reported that 52
examinations were conducted in FY 12. She advised examination
results are confidential; however, the banks and credit unions
are profitable and well capitalized in Alaska. She stated the
division provides financial outreach education and while
outreach is somewhat limited by resources, bank examiners often
give presentations at schools. For example, an examiner
recently led a number of classes in a Juneau school. The
division has also been working to make more financial materials
and consumer education materials available on its website, she
said.
MS. HOVANEC said the consumer finance section has successfully
implemented the examination components for the regulation of
mortgage lending and money service businesses. This section
licenses over 500 mortgage loan originators, 200 mortgage broker
lenders, and 56 money service businesses, which include money
transmitters, wire transfers, such as Western Union - the
issuers of travelers checks and money orders - and currency
exchangers. She said these examiners investigate unlicensed
activity and handle consumer complaints. Most consumer
complaints deal with money service providers demonstrating poor
customer service, mortgage lender advertising that may be deemed
deceptive, or mortgage loan originators who fail to disclose
fees or other relevant information to the borrower. Finally,
the securities section registers about 1,200 broker dealers and
700 investment advisors, of which 20 are located within Alaska,
and over 81,000 securities firm agents. Almost 1,800 sales
agents are located in Alaska, she noted. She reported the
majority of the division's $13 million in revenue is generated
by securities registration and filing fees.
MS. HOVANEC stated that the securities section also receives
notice filings for mutual fund and unit investment trusts being
sold in Alaska, which totaled 5,900 in FY 12. This section also
reviewed and approved 411 securities registrations - the actual
securities being offered or sold - and processed 169 exemptions
from securities registration in FY 12. The securities examiners
conducted six investment advisor examinations and one
broker/dealer examination last year. She noted staff
investigates investor complaints and reports of securities
fraud, including operations allegedly operating in Alaska but
having only "shell" corporations in the state. Most complaints
involve those businesses selling stocks or property investments
"in a warm place" that do not exist. She related other areas of
concern to investigators, including gold or mineral extraction
scams. Some investigations involve legitimate investment
companies that have simply "made a mistake," such as mishandling
a transaction or failing process it in a timely manner.
4:13:39 PM
MS. HOVANEC related the securities section also receives Alaska
Native Claims Settlement Act (ANCSA) corporate and shareholder
proxy filings from approximately 42 of the 200 ANCSA regional
and village corporations required to file with the division by
statute. She said misleading filings are prohibited.
Securities examiners received 12 requests and opened 6 ANCSA
related investigations. She pointed out that these complaints
often pertain to proxy solicitation information that the
shareholder does not understand or about election processes
allegedly mishandled [slide 5]. She reported staff fielded over
230 substantive inquiries on ANCSA corporations or statutes and
regulations related to proxy solicitation filings. Most
inquiries were answered on the first day. In 2011, the
regulations governing investigations and complaints were
revised. The requests must now contain specific information and
the division must respond in writing within ten days as to
whether the division will open or decline an investigation.
MS. HOVANEC related the division has changed how it currently
handles investigations and complaints, which is a vast
improvement over how they were previously conducted. In 2012,
the section chief helped produce two more investigative
televised programs that aired on Alaska's public affairs
channel, 360 NORTH, and four investigative articles were
published in the Senior Voice." She said, "The division
protects consumers by responding to inquiries and complaints and
by examining and investigating to ensure compliance with the
law." She related that enforcement includes issuance of
administrative orders, negotiated settlements, restitution to
Alaskans, and collection of investigative costs and civil
penalties. She reported the division often works with other
states on global settlements, which resulted in FY 11 to about
$1.6 million to the general fund and in FY 12 to over $300,000.
She detailed that Alaska's investors also received restitution
in the amount of $69,000.
4:17:30 PM
MS. HOVANEC turned to efficiencies and streamlining for
licensing, registrations, and filings [slide 5]. She said the
state has expanded the use of multi-state and joint examinations
of licensees and registrants and also has shared staffing, which
helps ease the burden on businesses. The division accepts
registration and license applications through national database
filings, thereby allowing "one stop" access to all regulators
with fewer entries. She said this process also allows the
public to better track licensed individuals and firms. Finally,
she reported the division allows electronic filing for ANCSA
corporate and shareholder filings, which also reduces the
corporate costs.
4:19:20 PM
MS. HOVANEC identified some of the Division of Banking and
Securities' challenges [slide 6]. She pointed out the effects
of changing technology, which allows business to be conducted
nationally and internationally via the Internet. She said on
the one hand the improved access assists Alaskans, but it also
makes it more difficult for the agency to conduct investigations
on licensees located in the Lower 48 and to detect unlicensed
activity. She highlighted that approximately 55 of 56 money
service businesses licensed to conduct business in Alaska are
located in the Lower 48. These businesses use delegates to
conduct business in Alaska; however, their primary business
records are located in another state, she said. Mortgage
companies present a similar scenario, with 65 companies located
in Alaska and 180 companies who maintain primary offices and
business records outside Alaska.
MS. HOVANEC said the division must find ways to maximize its
resources to conduct investigations, she advised. The division
primarily focuses on Alaska businesses located in the state, but
partners with other agencies in the Lower 48 to conduct
examinations and investigations outside Alaska. She reported
that Alaskans have been targeted for scams. She also reported
the FBI and the National White Collar Crime Center indicate
Alaska has the highest per capita number of complaints involving
online criminal activity. She estimated losses at $1.2 million
in 2011, although she suspected losses were higher. She
concluded this validates the vulnerability of Alaskans who are
using the Internet to invest and obtain goods and financial
services. She related that Alaskans are targeted since they
have the second highest median household income in the nation
and fraudsters "follow the money." She also said that Alaska's
distance from the Lower 48 hampers investigations. For example,
while the state has a few licensed Internet payday lenders, most
of the payday lender complaints point to either non-existent
businesses or lenders who do not believe they are subject to
Alaska's statutes. She emphasized the importance for state
regulators to increase outreach to Alaskans to educate
individuals on scams and fraud, which can help prevent people
from being "taken in" and to prevent losses.
4:23:22 PM
MS. HOVANEC pointed out the elderly are often targeted for
fraud. She hoped the division will be able to improve its
outreach to all Alaskans to provide tools for consumers, such as
financial education to reduce the impact of scams. She reported
that the division is working to improve its website to provide
links and access to tools for Alaskans. She acknowledged the
Internet is beneficial since it allows many Alaskans access to
information, particularly in rural Alaska, where face-to-face
contact is limited.
4:24:47 PM
ADJOURNMENT
There being no further business before the committee, House
Labor and Commerce Standing Committee meeting was adjourned at
4:24 p.m.
| Document Name | Date/Time | Subjects |
|---|---|---|
| DCCED Regulatory Agency Overview.pdf |
HL&C 1/23/2013 3:15:00 PM |
DCCED Overview |