Legislature(2015 - 2016)BELTZ 105 (TSBldg)

01/28/2016 01:30 PM LABOR & COMMERCE

Note: the audio and video recordings are distinct records and are obtained from different sources. As such there may be key differences between the two. The audio recordings are captured by our records offices as the official record of the meeting and will have more accurate timestamps. Use the icons to switch between them.

Download Mp3. <- Right click and save file as
Download Video part 1. <- Right click and save file as

* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+ HB 155 FEES; WAIVERS; CREDITS; DEDUCTIONS;TAXES TELECONFERENCED
Heard & Held
+= HB 12 MORTGAGE LENDING AND LOAN ORIGINATORS TELECONFERENCED
Heard & Held
*+ SB 111 LIMIT FLAME RETARDANT ITEMS/FURNITURE TELECONFERENCED
Heard & Held
+ Bills Previously Heard/Scheduled: TELECONFERENCED
+= SB 121 SECURITY FREEZE ON MINOR'S CREDIT REPORT TELECONFERENCED
Moved SB 121 Out of Committee
-- Public Testimony --
                    ALASKA STATE LEGISLATURE                                                                                  
          SENATE LABOR AND COMMERCE STANDING COMMITTEE                                                                        
                        January 28, 2016                                                                                        
                           1:32 p.m.                                                                                            
                                                                                                                                
                                                                                                                                
MEMBERS PRESENT                                                                                                               
                                                                                                                                
Senator Mia Costello, Chair                                                                                                     
Senator Cathy Giessel, Vice Chair                                                                                               
Senator Kevin Meyer                                                                                                             
Senator Johnny Ellis                                                                                                            
                                                                                                                                
MEMBERS ABSENT                                                                                                                
                                                                                                                                
Senator Gary Stevens                                                                                                            
                                                                                                                                
COMMITTEE CALENDAR                                                                                                            
                                                                                                                                
SENATE BILL NO. 121                                                                                                             
"An  Act relating  to a  security freeze  on the  consumer credit                                                               
report of a minor."                                                                                                             
                                                                                                                                
     - MOVED SB 121 OUT OF COMMITTEE                                                                                            
                                                                                                                                
COMMITTEE SUBSTITUTE FOR HOUSE BILL NO. 12(L&C)                                                                                 
"An Act relating to mortgage  lending, mortgage loan originators,                                                               
and  depository  institutions;  and providing  for  an  effective                                                               
date."                                                                                                                          
                                                                                                                                
     - HEARD AND HELD                                                                                                           
                                                                                                                                
COMMITTEE SUBSTITUTE FOR HOUSE BILL NO. 155(FIN)                                                                                
"An Act  repealing an exploration incentive  credit; amending the                                                               
calculation of adjusted  gross income for purposes of  the tax on                                                               
gambling  activities aboard  large  passenger vessels;  repealing                                                               
the amount that may be deducted  from the motor fuel tax to cover                                                               
the expense of accounting and  filing for the monthly tax return;                                                               
repealing  a provision  allowing an  investigation expense  under                                                               
the  Alaska Small  Loans Act  to be  in place  of a  fee required                                                               
under the Alaska Business License  Act; repealing the amount that                                                               
may be deducted from the tobacco  excise tax to cover the expense                                                               
of accounting  and filing for  the monthly tax  return; repealing                                                               
the  discount on  cigarette tax  stamps provided  as compensation                                                               
for  affixing  the  stamps  to packages;  and  providing  for  an                                                               
effective date."                                                                                                                
                                                                                                                                
     - HEARD AND HELD                                                                                                           
                                                                                                                                
SENATE BILL NO. 111                                                                                                             
"An Act relating to flame retardants and to the manufacture,                                                                    
distribution, and sale of products containing flame retardants;                                                                 
and providing for an effective date."                                                                                           
                                                                                                                                
     - HEARD AND HELD                                                                                                           
                                                                                                                                
                                                                                                                                
PREVIOUS COMMITTEE ACTION                                                                                                     
                                                                                                                                
BILL: SB 121                                                                                                                  
SHORT TITLE: SECURITY FREEZE ON MINOR'S CREDIT REPORT                                                                           
SPONSOR(s): SENATOR(s) MEYER                                                                                                    
                                                                                                                                
01/19/16       (S)       PREFILE RELEASED 1/8/16                                                                                
01/19/16       (S)       READ THE FIRST TIME - REFERRALS                                                                        
01/19/16       (S)       L&C, JUD                                                                                               
01/26/16       (S)       L&C AT 1:30 PM BELTZ 105 (TSBldg)                                                                      
01/26/16       (S)       Heard & Held                                                                                           
01/26/16       (S)       MINUTE (L&C)                                                                                           
01/28/16       (S)       L&C AT 1:30 PM BELTZ 105 (TSBldg)                                                                      
                                                                                                                                
BILL: HB 12                                                                                                                   
SHORT TITLE: MORTGAGE LENDING AND LOAN ORIGINATORS                                                                              
SPONSOR(s): REPRESENTATIVE(s) HUGHES                                                                                            
                                                                                                                                
01/21/15       (H)       PREFILE RELEASED 1/9/15                                                                                
01/21/15       (H)       READ THE FIRST TIME - REFERRALS                                                                        
01/21/15       (H)       L&C                                                                                                    
04/13/15       (H)       L&C AT 3:15 PM BARNES 124                                                                              
04/13/15       (H)       Heard & Held                                                                                           
04/13/15       (H)       MINUTE (L&C)                                                                                           
04/15/15       (H)       L&C AT 3:15 PM BARNES 124                                                                              
04/15/15       (H)       Moved CSHB 12(L&C) Out of Committee                                                                    
04/15/15       (H)       MINUTE (L&C)                                                                                           
04/16/15       (H)       L&C RPT CS (L&C) NT 3DP 3NR                                                                            
04/16/15       (H)       DP: TILTON, HUGHES, OLSON                                                                              
04/16/15       (H)       NR: LEDOUX, KITO, JOSEPHSON                                                                            
04/16/15       (H)       TRANSMITTED TO (S)                                                                                     
04/16/15       (H)       VERSION: CSHB 12(L&C)                                                                                  
04/16/15       (S)       L&C AT 1:30 PM BELTZ 105 (TSBldg)                                                                      
04/16/15       (S)       Scheduled but Not Heard                                                                                
04/17/15       (S)       READ THE FIRST TIME - REFERRALS                                                                        
04/17/15       (S)       L&C                                                                                                    
01/28/16       (S)       L&C AT 1:30 PM BELTZ 105 (TSBldg)                                                                      
                                                                                                                                
BILL: HB 155                                                                                                                  
SHORT TITLE: FEES; WAIVERS; CREDITS; DEDUCTIONS; TAXES                                                                          
SPONSOR(s): REPRESENTATIVE(s) THOMPSON                                                                                          
                                                                                                                                
03/20/15       (H)       READ THE FIRST TIME - REFERRALS                                                                        
03/20/15       (H)       FIN                                                                                                    
04/02/15       (H)       FIN AT 1:30 PM HOUSE FINANCE 519                                                                       
04/02/15       (H)       -- MEETING CANCELED --                                                                                 
04/03/15       (H)       FIN AT 1:30 PM HOUSE FINANCE 519                                                                       
04/03/15       (H)       <Bill Hearing Canceled>                                                                                
04/06/15       (H)       FIN AT 1:30 PM HOUSE FINANCE 519                                                                       
04/06/15       (H)       Heard & Held                                                                                           
04/06/15       (H)       MINUTE (FIN)                                                                                           
04/09/15       (H)       FIN AT 1:30 PM HOUSE FINANCE 519                                                                       
04/09/15       (H)       Scheduled but Not Heard                                                                                
04/13/15       (H)       FIN RPT CS (FIN) NT 6DP 2NR                                                                            
04/13/15       (H)       DP: EDGMON, GATTIS, WILSON, PRUITT,                                                                    
                         SADDLER, THOMPSON                                                                                      
04/13/15       (H)       NR: MUNOZ, GUTTENBERG                                                                                  
04/13/15       (H)       FIN AT 9:00 AM HOUSE FINANCE 519                                                                       
04/13/15       (H)       Moved CSHB 155(FIN) Out of Committee                                                                   
04/13/15       (H)       MINUTE (FIN)                                                                                           
04/16/15       (H)       TRANSMITTED TO (S)                                                                                     
04/16/15       (H)       VERSION: CSHB 155(FIN)                                                                                 
04/17/15       (S)       READ THE FIRST TIME - REFERRALS                                                                        
04/17/15       (S)       L&C, FIN                                                                                               
01/28/16       (S)       L&C AT 1:30 PM BELTZ 105 (TSBldg)                                                                      
                                                                                                                                
BILL: SB 111                                                                                                                  
SHORT TITLE: LIMIT FLAME RETARDANT ITEMS/FURNITURE                                                                              
SPONSOR(s): SENATOR(s) WIELECHOWSKI                                                                                             
                                                                                                                                
04/16/15       (S)       READ THE FIRST TIME - REFERRALS                                                                        
04/16/15       (S)       L&C, JUD                                                                                               
01/28/16       (S)       L&C AT 1:30 PM BELTZ 105 (TSBldg)                                                                      
                                                                                                                                
WITNESS REGISTER                                                                                                              
                                                                                                                                
EDRA MORLEDGE, Staff                                                                                                            
Senator Kevin Meyer                                                                                                             
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  Answered questions related to SB 121 on                                                                  
behalf of the sponsor.                                                                                                          
                                                                                                                                
REPRESENTATIVE SHELLEY HUGHES                                                                                                   
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  Sponsor of HB 12.                                                                                        
                                                                                                                                
GINGER BLAISDELL, Staff                                                                                                         
Representative Shelley Hughes                                                                                                   
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                
POSITION STATEMENT:  Delivered a sectional analysis for HB 12 on                                                              
behalf of the sponsor.                                                                                                          
                                                                                                                                
KEVIN ANSELM, Director                                                                                                          
Division of Banking and Securities                                                                                              
Department of Commerce, Community and Economic Development                                                                      
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Answered fiscal questions related to HB 12.                                                              
                                                                                                                                
TRACY RENO, Financial Institutions Examiner                                                                                     
Division of Banking and Securities                                                                                              
Department of Commerce, Community and Economic Development                                                                      
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Answered fiscal questions related to HB 12.                                                              
                                                                                                                                
KRISTIE BABCOCK                                                                                                                 
Independent State Farm Agent                                                                                                    
Kenai, Alaska                                                                                                                   
POSITION STATEMENT:  Testified in support of HB 12.                                                                           
                                                                                                                                
ROGER BAINBRIDGE, In House Counsel                                                                                              
State Farm Bank (FSB)                                                                                                           
Bloomington, Illinois                                                                                                           
POSITION STATEMENT:  Spoke in support of HB 12.                                                                               
                                                                                                                                
STEVE P. ASHMAN, Division Manager                                                                                               
Public Health Initiatives and Partnerships (PHIP)                                                                               
Health and Human Services Department                                                                                            
Municipality of Anchorage                                                                                                       
POSITION STATEMENT:  Testified on HB 12 in support of the                                                                     
exemption for government agencies.                                                                                              
                                                                                                                                
REPRESENTATIVE STEVE THOMPSON                                                                                                   
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:   Sponsor of HB 155                                                                                       
                                                                                                                                
BRODIE ANDERSON, Staff                                                                                                          
Representative Steve Thompson                                                                                                   
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  Introduced HB 155 on behalf of the sponsor.                                                              
                                                                                                                                
BRANDON SPANOS, Deputy Director                                                                                                 
Tax Division, Department of Revenue (DOR)                                                                                       
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Discussed the fiscal note for HB 155.                                                                    
                                                                                                                                
DANIEL STICKEL, Assistant Chief Economist                                                                                       
Tax Division                                                                                                                    
Department of Revenue (DOR)                                                                                                     
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  Discussed the fiscal note for HB 155.                                                                    
                                                                                                                                
SENATOR BILL WIELECHOWSKI                                                                                                       
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  Sponsor of SB 111.                                                                                       
                                                                                                                                
THOMAS "TJ" PRESLEY, Staff                                                                                                      
Senator Bill Wielechowski                                                                                                       
POSITION STATEMENT:  Provided an overview of SB 111 on behalf of                                                              
the sponsor.                                                                                                                    
                                                                                                                                
MAUREEN SWANSON, Director                                                                                                       
Learning Disabilities Association of America (LDA)                                                                              
Pittsburg, Pennsylvania                                                                                                         
POSITION STATEMENT:  Testified in strong support of SB 111.                                                                   
                                                                                                                                
JENNIFER GIBBONS, Senior Director                                                                                               
State Government Affairs                                                                                                        
Toy Industry Association Inc.                                                                                                   
POSITION STATEMENT:  Expressed concerns with the SB 111.                                                                      
                                                                                                                                
DAVID LEVINE, Co-founder and CEO                                                                                                
American Sustainable Business Council                                                                                           
Washington, D.C.                                                                                                                
POSITION STATEMENT:  Testified in support of SB 111.                                                                          
                                                                                                                                
CURTIS THAYER, President and CEO                                                                                                
Alaska State Chamber of Commerce                                                                                                
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Testified in opposition to SB 111.                                                                       
                                                                                                                                
TIM SHESTEK                                                                                                                     
American Chemistry Council                                                                                                      
POSITION STATEMENT:  Testified in opposition to SB 111.                                                                       
                                                                                                                                
                                                                                                                                
ACTION NARRATIVE                                                                                                              
                                                                                                                                
1:32:39 PM                                                                                                                    
CHAIR MIA COSTELLO called the Senate Labor and Commerce Standing                                                              
Committee meeting to order at 1:32 p.m. Present at the call to                                                                  
order were Senators Ellis, Giessel, Meyer, and Chair Costello.                                                                  
                                                                                                                                
        SB 121-SECURITY FREEZE ON MINOR'S CREDIT REPORT                                                                     
                                                                                                                                
1:34:21 PM                                                                                                                    
CHAIR COSTELLO announced the consideration of SB 121. [This is                                                                  
the second hearing and public testimony is closed.]                                                                             
                                                                                                                                
1:34:45 PM                                                                                                                    
EDRA MORLEDGE, staff  to Senator Kevin Meyer, sponsor  of SB 121,                                                               
stated  that she  provided  a supplemental  packet  based on  the                                                               
questions  that  were  asked during  the  previous  meeting.  She                                                               
recapped the following questions and answers:                                                                                   
                                                                                                                                
     Q. Senator Stevens  inquired as to the  meaning of "has                                                                    
     not  had the  disabilities of  a minor  removed...: and                                                                    
     asked if there might be a better way to state that.                                                                        
     A.  The specific  wording  on lines  9-10  of the  bill                                                                    
     directly  references  Alaska   Statute  09.55.590,  and                                                                    
     refers  to minors  that have  been emancipated.  As the                                                                    
     bill sponsor, I do  not object to different terminology                                                                    
     if it  allows for  a clearer reading  and understanding                                                                    
     of the legislation,  if the drafters are able  to do so                                                                    
     within their drafting guidelines.                                                                                          
                                                                                                                                
     Q. Senator Ellis inquired as  to where the idea for the                                                                    
     legislation came from.                                                                                                     
     A. A  constituent of Senate  District M,  Laura Hughes,                                                                    
     brought the idea for the  legislation to my office last                                                                    
     summer. Since  that time, we've discovered  a number of                                                                    
     states  with  similar  laws  on the  books  or  in  the                                                                    
     process  of  passing  similar legislation.  SB  121  is                                                                    
     modeled  after legislation  as  researched through  the                                                                    
     National Council of State Government.                                                                                      
                                                                                                                                
     Q. Senator  Ellis asked  if Alaska  would be  the fifth                                                                    
     state to adopt this legislation.                                                                                           
     A.  The  most  current  data available  from  the  NCSL                                                                    
     website lists:                                                                                                             
        · 27  states  allow  "any  consumer"  to  request  a                                                                    
          security freeze on their credit report,                                                                               
        · 4 states  use the  terminology "any  consumer that                                                                    
          is a resident,"                                                                                                       
        · 4 states  allow a  parent or  guardian of  a minor                                                                    
          under 18 to request a freeze,                                                                                         
        · 20 states specifically allow  a parent or guardian                                                                    
          of a minor under age 16 to request a freeze,                                                                          
        · 19 states specifically allow  a parent or guardian                                                                    
          of a "protected" or an "incapacitated" person to                                                                      
          request a freeze,                                                                                                     
        · 5  states  specify  the individual  for  whom  the                                                                    
          freeze is requested has been a victim of identity                                                                     
          theft, and                                                                                                            
        · 2 states  allow for  a credit  freeze only  in the                                                                  
          case of identity theft (Mississippi and South                                                                         
          Dakota).                                                                                                              
     Aside from  the states that only  specify "a consumer,"                                                                    
     or  "a  victim  of  identity theft,"  the  rest  are  a                                                                    
     mixture of the remaining criteria listed above.                                                                            
                                                                                                                                
     Q.  Senator  Stevens inquired  as  to  the process  for                                                                    
     lifting a credit freeze.                                                                                                   
     A.   The   specific   section  of   Alaska's   Personal                                                                    
     Information  Protection  Act  that governs  removal  of                                                                    
     security freeze  is AS  45.48.140. This  section states                                                                    
     that  the  consumer  can request  the  removal  of  the                                                                    
     freeze  by   contacting  the  agency  by   mail  or  in                                                                    
     accordance    with    other   established    procedures                                                                    
     (electronic  means), and  provide information  required                                                                    
     to  establish identity.  At  that  point, the  consumer                                                                    
     credit reporting  agency has 3 business  days to remove                                                                    
     the freeze.                                                                                                                
                                                                                                                                
     Q. Senator Costello asked what  the national average is                                                                    
     for child identity theft.                                                                                                  
     A. The national figure  for child identity theft varies                                                                    
     depending on  the source, but generally  it is reported                                                                    
     at between 10-11 %.                                                                                                        
                                                                                                                                
MS. MORLEDGE noted that the packets also contain communications                                                                 
from the Department of Law (DOL) indicating that they do not                                                                    
have an issue with the current wording of the bill.                                                                             
                                                                                                                                
CHAIR COSTELLO asked the sponsor if he had any comments.                                                                        
                                                                                                                                
1:37:52 PM                                                                                                                    
SENATOR MEYER  said he  is pleased  that the  constituent brought                                                               
the issue forward and his staff summarized the bill nicely.                                                                     
                                                                                                                                
1:38:09 PM                                                                                                                    
SENATOR GIESSEL  motioned to report SB  121, labeled 29-LS1129\A,                                                               
from  committee  with  individual  recommendations  and  attached                                                               
fiscal note(s).                                                                                                                 
                                                                                                                                
CHAIR  COSTELLO  announced  that  without objection,  SB  121  is                                                               
reported from the Senate Labor and Commerce Standing Committee.                                                                 
                                                                                                                                
1:38:27 PM                                                                                                                    
At ease                                                                                                                         
                                                                                                                                
          HB 12-MORTGAGE LENDING AND LOAN ORIGINATORS                                                                       
                                                                                                                                
1:39:50 PM                                                                                                                    
CHAIR  COSTELLO   reconvened  the   meeting  and   announced  the                                                               
consideration  of HB  12. [This  is  the first  hearing and  CSHB                                                               
12(L&C) is before the committee.]                                                                                               
                                                                                                                                
1:40:03 PM                                                                                                                    
REPRESENTATIVE SHELLEY HUGHES,  Alaska State Legislature, Juneau,                                                               
Alaska, sponsor of HB 12,  introduced the legislation speaking to                                                               
the following sponsor statement:                                                                                                
                                                                                                                                
     House Bill  12 improves  the mortgage  lending industry                                                                    
     by equalizing  the licensing requirements  for mortgage                                                                    
     loan  originators and  mortgage loan  brokers according                                                                    
     to the  kind of work  conducted rather than  a business                                                                    
     structure or anomaly in  current statute. Licensing the                                                                    
     level  of   professional  duties   and  the   level  of                                                                    
     liability in  the lending process  helps create  a more                                                                    
     equitable  and   friendly  statutory   environment  for                                                                    
     business in Alaska.                                                                                                        
                                                                                                                                
     The  bill  would  also exempt  Alaska  Housing  Finance                                                                    
     Corporation and any  government agency participating in                                                                    
     the  Federal   HUD  (Housing  and   Urban  Development)                                                                    
     program   from   the   State   mortgage   lender/broker                                                                    
     licensure  requirement. The  government agencies  would                                                                    
     be  responsible  to  ensure that  their  mortgage  loan                                                                    
     originators  meet standards  equivalent to  the federal                                                                    
     SAFE Act requirements.                                                                                                     
                                                                                                                                
     HB 12  helps create a  more level playing field  in the                                                                    
     mortgage  lending industry  by eliminating  unnecessary                                                                    
     layers  of  licensure  and reduces  the  administrative                                                                    
     burden and costs to these businesses.                                                                                      
                                                                                                                                
1:43:38 PM                                                                                                                    
SENATOR COSTELLO asked Ms. Blaisdell to walk through the                                                                        
sectional for the bill.                                                                                                         
                                                                                                                                
1:43:56 PM                                                                                                                    
GINGER BLAISDELL, Staff to Representative Shelley Hughes,                                                                       
sponsor of HB 12, provided the following sectional analysis for                                                                 
HB 12:                                                                                                                          
                                                                                                                                
     Section 1: Allows  for an individual to  be licensed as                                                                    
     a mortgage  loan originator if  he/she works  under "an                                                                    
     exclusive   contract   for  a   registered   depository                                                                    
     institution"   or  "be   sponsored   by  a   registered                                                                    
     depository institution  under AS  06.60.014." Sponsored                                                                    
     means to  conduct business under  the supervision  of a                                                                    
     mortgage licensee or registered depository.                                                                                
                                                                                                                                
     This section  creates a supervisor to  employee-type of                                                                    
     relationship with contractors.                                                                                             
                                                                                                                                
     Section  2:  Adds  a  new  section  that  outlines  the                                                                    
     requirements  for   a  depository  institution   to  be                                                                    
     eligible to sponsor a mortgage loan originator.                                                                            
                                                                                                                                
     Section 3:  Adds exemptions for  "a federal,  state, or                                                                    
     local  government  agency,  including  an  agency  that                                                                    
     arranges or provides financing  for mortgage loans." In                                                                    
     doing  this  the  state   of  Alaska  recognizes  these                                                                    
     agencies  under  the  final rulings  of  the  SAFE  Act                                                                    
     effective  8/30/2011. Agencies  that  will be  affected                                                                    
     are AHFC  that offers HUD  loans and the  Anchorage HUD                                                                    
     Program.                                                                                                                   
                                                                                                                                
MS. BLAISDELL stated that the  section exempting non-profits from                                                               
certain  licensing requirements,  but  that  section was  removed                                                               
because some non-profits are venturing  into a competitive market                                                               
place so oversight is warranted.                                                                                                
                                                                                                                                
1:46:46 PM                                                                                                                    
SENATOR COSTELLO pointed out that the fiscal note needed to be                                                                  
updated because it mentions an exemption for non-profits.                                                                       
                                                                                                                                
MS. BLAISDELL continued the sectional analysis.                                                                                 
                                                                                                                                
     Section  4 adds  registered depository  institutions to                                                                    
     the banks that must have a surety bond.                                                                                    
                                                                                                                                
     Section 5 adds  registered depository institutions that                                                                    
     cover more than  one location are not  required to file                                                                    
     more than one bond.                                                                                                        
                                                                                                                                
     Section  6 adds  registered depository  institutions to                                                                    
     the banks that must bond for three years.                                                                                  
                                                                                                                                
     Section  7 adds  registered depository  institutions to                                                                    
     the banks  for which the department  can determine that                                                                    
     the bond is unsatisfactory.                                                                                                
                                                                                                                                
     Section 8 requires  a registered depository institution                                                                    
     to  follow   the  same  reporting  requirements   as  a                                                                    
     mortgage licensee and be subject  to the same penalties                                                                    
     if the report is not filed as required.                                                                                    
                                                                                                                                
     Sections  9-13 add  registered depository  institutions                                                                    
     in the requirements for managing mortgage records.                                                                         
                                                                                                                                
     Section 14 references  the availability of out-of-state                                                                    
     records  for registered  depository institutions.  If a                                                                    
     bank  is  located  outside   Alaska,  the  Division  of                                                                    
     Banking and  Securities can go  to that other  state to                                                                    
     conduct an audit or review.                                                                                                
                                                                                                                                
     Section  15  allows  the department  investigation  and                                                                    
     examination   authority   for   registered   depository                                                                    
     institutions.                                                                                                              
                                                                                                                                
     Section  16  adds  a  new  subsection  that  defines  a                                                                    
     "person"  as  a  contractor  who  is  working  for  the                                                                    
     registered depository institution.                                                                                         
                                                                                                                                
     Section 17  allows the department the  authorization to                                                                    
     censure,  suspend or  bar a  depository institution  in                                                                    
     the same manner as a mortgage licensee.                                                                                    
                                                                                                                                
     Section  18 adds  the  applicability of  administrative                                                                    
     procedures  to hold  administrative hearings  and issue                                                                    
     disciplinary orders on RDIs for registered depository                                                                      
     institutions.                                                                                                              
                                                                                                                                
     Section  19  adds  a new  definition  of  a  registered                                                                    
     depository institution. That is  a bank located outside                                                                    
     the state  of Alaska  registering as the  supervisor of                                                                    
     these independent contractors.                                                                                             
                                                                                                                                
MS.  BLAISDELL  said the  effective  date  will be  corrected  to                                                               
reflect January 1, 2017.                                                                                                        
                                                                                                                                
1:50:29 PM                                                                                                                    
SENATOR  GIESSEL asked  if  the bill  would  affect any  business                                                               
other than State Farm Bank.                                                                                                     
                                                                                                                                
MS. BLAISDELL  replied State  Farm Bank  and its  contractors are                                                               
the primary businesses  that would be affected, but  there may be                                                               
others with a similar business model.                                                                                           
                                                                                                                                
SENATOR  GIESSEL asked  if conducting  fewer audits  will have  a                                                               
positive fiscal impact on the division.                                                                                         
                                                                                                                                
MS.  BLAISDELL  said the  fiscal  note  is  zero and  she  didn't                                                               
believe that  the Division of Banking  and Securities anticipated                                                               
additional  costs. The  state will  see efficiencies  if it  only                                                               
audits State  Farm Bank as opposed  to the 19 audits  it conducts                                                               
now.                                                                                                                            
                                                                                                                                
1:53:29 PM                                                                                                                    
KEVIN  ANSELM,  Director,  Division of  Banking  and  Securities,                                                               
Department  of  Commerce,   Community  and  Economic  Development                                                               
(DCCED), Anchorage, Alaska, introduced herself.                                                                                 
                                                                                                                                
CHAIR COSTELLO asked  if the administration has a  positon on the                                                               
bill.                                                                                                                           
                                                                                                                                
MS. ANSELM reported that the administration is neutral on HB 12.                                                                
                                                                                                                                
CHAIR COSTELLO  asked if she  wanted to comment on  the potential                                                               
efficiencies or any of Senator Giessel's questions.                                                                             
                                                                                                                                
MS. ANSELM offered that the bill  would have a zero fiscal impact                                                               
to the division because they  will conduct one larger examination                                                               
of the employing depository as opposed to individual agents.                                                                    
                                                                                                                                
CHAIR COSTELLO asked if there  are any consumer protection issues                                                               
related to the bill.                                                                                                            
                                                                                                                                
1:54:52 PM                                                                                                                    
TRACY RENO, Financial Institutions  Examiner, Division of Banking                                                               
and Securities,  Department of  Commerce, Community  and Economic                                                               
Development (DCCED),  Anchorage, Alaska,  said the  division will                                                               
be able to  discuss enforcement or supervisory  issues with State                                                               
Farm Bank  directly. The division  does not have access  to those                                                               
reports right now because they deal with the individual agents.                                                                 
                                                                                                                                
1:55:28 PM                                                                                                                    
CHAIR COSTELLO opened public testimony for HB 12.                                                                               
                                                                                                                                
1:55:44 PM                                                                                                                    
KRISTIE  BABCOCK, Independent  State Farm  Agent, Kenai,  Alaska,                                                               
stated that  she is an  independent contractor State  Farm agent.                                                               
She has been  an agent and small business owner  in Kenai for the                                                               
past 16 years and has  eight employees. She markets insurance and                                                               
bank products  to Alaskans  exclusively on  behalf of  State Farm                                                               
Insurance companies and State Farm Bank.                                                                                        
                                                                                                                                
She  stated   that  as  an  originator,   she  processes  initial                                                               
applications and  is required to  be licensed and follow  all the                                                               
regulations for  mortgage loan originators  (MLO). HB  12 doesn't                                                               
change  or  reduce  that  requirement, but  it  will  change  the                                                               
requirement for her to carry  a mortgage broker license and serve                                                               
as her own sponsor and  supervisor. Instead, State Farm Bank will                                                               
be able to step  in and register with the State  of Alaska as her                                                               
sponsor  and supervisor.  The bank  assumes all  the liabilities,                                                               
responsibilities and  oversight of a mortgage  broker. This makes                                                               
sense because  the bank is the  lender and she is  an originator.                                                               
It  also avoids  the circumstance  of sponsoring  and supervising                                                               
herself.                                                                                                                        
                                                                                                                                
MS.   BABCOCK  reported   that  26   other  states   have  passed                                                               
legislation  similar  to  HB  12 and  several  other  states  are                                                               
considering  it.  She closed  emphasizing  that  HB 12  does  not                                                               
result in any less regulation for MLOs.                                                                                         
                                                                                                                                
2:00:01 PM                                                                                                                    
SENATOR MEYER  commented that  is sounds  as though  other states                                                               
have  had this  problem and  passed similar  laws to  address the                                                               
problem.                                                                                                                        
                                                                                                                                
MS. BABCOCK agreed.                                                                                                             
                                                                                                                                
2:01:11 PM                                                                                                                    
ROGER  BAINBRIDGE,  In  House Counsel,  State  Farm  Bank  (FSB),                                                               
Bloomington, Illinois,  spoke in  support of HB  12. He  said Ms.                                                               
Babcock summarized the issues nicely  and anything he added would                                                               
be redundant.  Addressing the question of  whether this pertained                                                               
only to  State Farm  Bank, he clarified  that the  bill addresses                                                               
independent   contractors  who   work  exclusively   in  mortgage                                                               
origination on  behalf of  a federally  chartered bank.  Thus, it                                                               
would apply to anybody that has  the same business model as State                                                               
Farm Bank and meets the definitions  that have been added to this                                                               
legislation.                                                                                                                    
                                                                                                                                
2:02:20 PM                                                                                                                    
STEVE P. ASHMAN, Division Manager,  Public Health Initiatives and                                                               
Partnerships  (PHIP),  Health   and  Human  Services  Department,                                                               
Municipality of Anchorage, stated  that PHIP manages pass-through                                                               
programs from  the federal government  such as Housing  and Urban                                                               
Development  (HUD) and  falls under  both the  federal and  state                                                               
SAFE  acts. Due  to  2011  clarifications of  the  SAFE Act,  HUD                                                               
determined that state employees are  not required to obtain state                                                               
licenses  and  registration  for  any loan  origination  under  a                                                               
government housing  assistant program.  As currently  written, HB                                                               
12 will mirror  the federal law and the department  is in support                                                               
of the exemption for government agencies, he said.                                                                              
                                                                                                                                
2:05:18 PM                                                                                                                    
CHAIR  COSTELLO  closed  public  testimony  and  held  HB  12  in                                                               
committee  awaiting  updates to  the  fiscal  note and  effective                                                               
date.                                                                                                                           
                                                                                                                                
        HB 155-FEES; WAIVERS; CREDITS; DEDUCTIONS; TAXES                                                                    
                                                                                                                                
2:05:51 PM                                                                                                                    
CHAIR COSTELLO  announced the consideration  of HB 155.  [This is                                                               
the first hearing and CSHB 155(FIN) is before the committee.]                                                                   
                                                                                                                                
2:06:05 PM                                                                                                                    
REPRESENTATIVE STEVE THOMPSON,  Alaska State Legislature, Juneau,                                                               
Alaska,  sponsor of  HB 155,  introduced the  legislation stating                                                               
the following:                                                                                                                  
                                                                                                                                
     In the  28th Legislature,  legislation was  passed that                                                                    
     defined indirect expenditures  as foregone revenue. The                                                                    
     legislation also  set forth a requirement  that certain                                                                    
     reports identify potential loss  of foregone revenue by                                                                    
     the  department.   The  Legislative   Finance  Indirect                                                                    
     Expenditure   Report   reviewed  the   departments   of                                                                    
     Commerce, Community and  Economic Development, Fish and                                                                    
     Game,  Health  and  Social Services  and  Revenue.  The                                                                    
     report  identified  certain credits,  fees,  discounts,                                                                    
     and deductions  that should  be terminated.  House Bill                                                                    
     155  repealed  some  of   these  expenditures  with  an                                                                    
     estimated   increase   of  revenue   of   approximately                                                                    
     $450,000.                                                                                                                  
                                                                                                                                
He requested that his staff walk through the bill.                                                                              
                                                                                                                                
2:07:02 PM                                                                                                                    
BRODIE  ANDERSON, Staff,  Representative  Steve Thompson,  Alaska                                                               
State Legislature,  sponsor of  HB 155, stated  that the  bill is                                                               
the next  step in  addressing the foregone  revenue to  the state                                                               
identified in the  2015 Indirect Expenditure Report.  HB 155 will                                                               
repeal the following indirect expenditures:                                                                                     
                                                                                                                                
   · Small Loan Company Business License Exemption                                                                              
   · The Exploration Incentive Credit                                                                                           
   · Tobacco Product Tax Deduction for Timely Filing                                                                            
   · Cigarette Tax Stamp Discount                                                                                               
   · Motor Fuel Tax Timely Filing                                                                                               
   · Large Passenger Vessel Gambling Tax Deduction                                                                              
                                                                                                                                
MR.  ANDERSON explained  that the  bill  repeals the  exemptions,                                                               
credits, deductions  and discounts  in Section 10.  The remainder                                                               
of  the sections  provide  cleanup language  to  the portions  of                                                               
statute that  reference those statutory repeals.  He provided the                                                               
following sectional analysis:                                                                                                   
                                                                                                                                
     Sections  1-2  repeal  references  to  the  Exploration                                                                    
     Incentive Credit from AS 41.09.010(a) and (b).                                                                             
                                                                                                                                
     Section  3  removes  references  from  the  Exploration                                                                    
     Incentive Credit from AS 43.20.043(g).                                                                                     
                                                                                                                                
     Section  4   amends  AS   43.55.210  to   disallow  the                                                                    
     deduction  for  federal  taxes   for  the  purposes  of                                                                    
     calculating  the state  tax on  large passenger  cruise                                                                    
     ship gambling activity.                                                                                                    
                                                                                                                                
     Section 5  amends AS 43.40.010(c) by  removing language                                                                    
     that allowed motor fuel dealers  to retain a portion of                                                                    
     the motor  fuel tax  due to  cover expenses  for filing                                                                    
     motor fuel tax return.                                                                                                     
                                                                                                                                
     Section  6  removes  references to  the  Cigarette  Tax                                                                    
     Stamps from AS 43.50.590(a).                                                                                               
                                                                                                                                
     Sections  7,  8  and  9   remove  references  from  the                                                                    
     Exploration  Incentive  Credit  from  AS  43.55.011(m),                                                                    
     43.55.020(a) and 43.55.023(l).                                                                                             
                                                                                                                                
     Section  10  repeals  AS 06.20.030(c)  The  Small  Loan                                                                    
     Company  License;   AS  38.05.180(i)   The  Exploration                                                                    
     Incentive   Credit;   AS  41.09.030   The   Exploration                                                                    
     Incentive  Credit; AS  43.50.330(b) The  Excise Tax  on                                                                    
     Tobacco  Products;,  43.50.540(c)   The  Cigarette  Tax                                                                    
     Stamps; and 43.50.540(h) the discount for the stamps.                                                                      
                                                                                                                                
     Section  11 provides  transition  language relating  to                                                                    
     the Exploration Incentive Credit.                                                                                          
                                                                                                                                
     Section 12  contains the effective  date of  January 1,                                                                    
     2016 for the gambling tax activities.                                                                                      
                                                                                                                                
     Section 13 provides  an effective date of  July 1, 2015                                                                    
     for  the other  sections in  order to  comply with  the                                                                    
     State  of Alaska  fiscal calendar  year  and all  other                                                                    
     related  fees,   discounts  and  deductions   that  are                                                                    
     calculated monthly.                                                                                                        
                                                                                                                                
2:10:47 PM                                                                                                                    
CHAIR  COSTELLO  questioned  the  reason  for  the  indeterminate                                                               
fiscal   note  when   the  anticipated   additional  revenue   is                                                               
approximately $450,000.                                                                                                         
                                                                                                                                
MR. ANDERSON deferred the question to Brandon Spanos.                                                                           
                                                                                                                                
2:11:29 PM                                                                                                                    
BRANDON  SPANOS, Deputy  Director,  Tax  Division, Department  of                                                               
Revenue  (DOR), Anchorage,  Alaska,  explained  that DOR  doesn't                                                               
collect  information needed  to estimate  the impact  of all  the                                                               
provisions  of  the  bill. The  estimated  increased  revenue  of                                                               
approximately  $450,000  is  based   on  the  money  forgone  for                                                               
affixing stamps  to cigarette packs  and other  tobacco products,                                                               
the  motor fuel  credit and  large passenger  gaming. "Those  are                                                               
numbers  we can  quantify and  that's where  that $450,000  comes                                                               
from," he said.                                                                                                                 
                                                                                                                                
2:12:59 PM                                                                                                                    
DANIEL   STICKEL,  Assistant   Chief  Economist,   Tax  Division,                                                               
Department  of  Revenue (DOR),  Juneau,  Alaska,  added that  DOR                                                               
currently does  not collect information  about the  deduction for                                                               
federal taxes so there may be  some revenue impact from the Large                                                               
Passenger  Vessel  Gambling Tax  but  the  amount of  benefit  is                                                               
unclear. "The $450,000 is probably  the floor. The actual revenue                                                               
benefit  might  be  higher  than  that but  it  is  the  lack  of                                                               
information  on  the gambling  taxes  is  the  reason we  put  an                                                               
indeterminate on the revenue."                                                                                                  
                                                                                                                                
CHAIR  COSTELLO asked  if this  money would  go into  the general                                                               
fund.                                                                                                                           
                                                                                                                                
MR. SPANOS indicated that was correct.                                                                                          
                                                                                                                                
CHAIR COSTELLO  noted that  the sponsor was  nodding his  head in                                                               
the affirmative.                                                                                                                
                                                                                                                                
REPRESENTATIVE  THOMPSON offered  that  these  credits are  taken                                                               
against corporate  taxes so  the business would  pay more  tax to                                                               
the state, which he assumes would go to the general fund.                                                                       
                                                                                                                                
CHAIR COSTELLO  noted that the  fiscal note says  the regulations                                                               
would go  into effect  the last  day of 2016.  She asked  if that                                                               
will cause a problem.                                                                                                           
                                                                                                                                
MR. ANDERSON  said he spoke with  her staff about the  need for a                                                               
committee substitute to  reflect new dates. "The  2016 date would                                                               
be 2017 and the 2015 dates would turn into 16."                                                                                 
                                                                                                                                
CHAIR  COSTELLO   asked  if  there  has   been  discussion  about                                                               
emergency regulations to maintain the current timeline.                                                                         
                                                                                                                                
MR. ANDERSON  answered no, but  it is a conversation  the sponsor                                                               
could have with the department.                                                                                                 
                                                                                                                                
2:16:21 PM                                                                                                                    
SENATOR MEYER expressed appreciation for the legislation.                                                                       
                                                                                                                                
2:16:33 PM                                                                                                                    
CHAIR COSTELLO opened public testimony.  Finding none, she closed                                                               
public testimony and held HB 155 in committee.                                                                                  
                                                                                                                                
2:17:47 PM                                                                                                                    
At ease                                                                                                                         
                                                                                                                                
          SB 111-LIMIT FLAME RETARDANT ITEMS/FURNITURE                                                                      
                                                                                                                                
2:19:39 PM                                                                                                                    
CHAIR COSTELLO reconvened the meeting and announced the                                                                         
consideration of SB 111. [This is the first hearing.]                                                                           
                                                                                                                                
2:19:48 PM                                                                                                                    
SENATOR BILL WIELECHOWSKI, Alaska State Legislature, Juneau,                                                                    
Alaska, sponsor of SB 111, said he has been working on this                                                                     
issue for eight years for these reasons:                                                                                        
                                                                                                                                
     Imagine  that the  cribs that  your baby  slept in  are                                                                    
     full of toxic chemicals. They are.                                                                                         
                                                                                                                                
     Imagine if  the high chairs  your kids sat in  are full                                                                    
     of toxic chemicals. They are.                                                                                              
                                                                                                                                
     Imagine  if the  furniture  in your  home  was full  of                                                                    
     toxic chemicals. It is.                                                                                                    
                                                                                                                                
     The seats,  toys, kids  clothing is  all full  of toxic                                                                    
     chemicals. A toxic cocktail that  is in our mattresses,                                                                    
     that is  in our furniture,  not measured by  ounces but                                                                    
     by  pounds   in  many  cases.  These   chemicals  cause                                                                    
     neurological      deficits,       prenatal      damage,                                                                    
     hypothyroidism,   [and]  breast   cancer.  [They   are]                                                                    
     chemicals that  bio accumulate in animals  and fish and                                                                    
     are poisoning  Alaskans, especially  those that  live a                                                                    
     subsistence  lifestyle. [They  are] chemicals  that are                                                                    
     poisoning firefighters  who fight  fires and  breath in                                                                    
     these toxic substances.                                                                                                    
                                                                                                                                
     Do you  believe we should  take some sort of  action to                                                                    
     protect Alaskans from these chemicals?                                                                                     
                                                                                                                                
     Now  imagine  if we  had  safer  alternatives that  are                                                                    
     already being widely used.                                                                                                 
                                                                                                                                
     Imagine  that some  states in  the  United States  have                                                                    
     already  banned or  enacted restrictions  against these                                                                    
     toxic chemicals. They have.                                                                                                
                                                                                                                                
     Imagine  if   the  European  Union  has   banned  these                                                                    
     chemicals. They have.                                                                                                      
                                                                                                                                
     Should we  continue to sit  back and do nothing?  Do we                                                                    
     not have an  obligation to our constituents  and to the                                                                    
     people of Alaska to do something? I believe we do.                                                                         
                                                                                                                                
     The Alaska  Constitution tells  us what  our obligation                                                                    
     is.  Article VII,  Section 4  says  very clearly,  "The                                                                    
     legislature  shall   provide  for  the   promotion  and                                                                    
     protection of public welfare." That  is exactly what we                                                                    
     are  doing  with  this   bill,  protecting  the  public                                                                    
     health.                                                                                                                    
                                                                                                                                
     I've  heard all  the  industry  arguments against  this                                                                    
     bill  over  the  years.  They come  from  the  chemical                                                                    
     industry and the  phony Astroturf organizations they've                                                                    
     set up over  the years to defeat bills  just like this,                                                                    
     and  bills  like this  all  over  the country.  They've                                                                    
     spent hundreds  of thousands of dollars  just in Alaska                                                                    
     and millions  of dollars  across the  country defeating                                                                    
     bills like this. Those are  some harsh statements but I                                                                    
     believe they're 100 percent warranted.                                                                                     
                                                                                                                                
     Let me  tell you  just how  far these  organizations in                                                                    
     the  chemical  industry  has gone  over  the  years  to                                                                    
     defeat bills like  this. To defeat this  bill, in fact.                                                                    
     Many members  will remember hearings on  this bill back                                                                    
     in 2010  and 2012. We  heard from a Dr.  David Heimbach                                                                    
     who testified three times in  front of the legislature.                                                                    
     He presented himself as  an eminently qualified doctor.                                                                    
     In  fact, he  was  the former  head  of the  Harborview                                                                    
     Medical Center burn unit in Seattle.                                                                                       
                                                                                                                                
     He told  the tragic story  of a six-week old  baby girl                                                                    
     whose life  would have been saved  had flame retardants                                                                    
     been  used in  her  crib. He  shared  pictures of  burn                                                                    
     victims.  Legislators were  concerned. The  bill passed                                                                    
     the Senate but it was defeated in the House.                                                                               
                                                                                                                                
     Several months later  it turned out that  nearly all of                                                                    
     Dr. Heimbach's testimony was a  lie. In a six-day front                                                                    
     page spread,  the Chicago Tribune dug  into the stories                                                                    
     and claims  of Dr.  Heimbach and  found the  claims and                                                                    
     patients  he had  testified  about  across the  country                                                                    
     were, in fact, non-existent.  The Alaska Dispatch News,                                                                    
     which was  then the  Anchorage Daily News,  did stories                                                                    
     on  the  fraud  Dr. Heimbach  and  these  organizations                                                                    
     committed  against  the  legislature.  This  one  dated                                                                    
     March  19,  2014,   "Washington  Physician  Accused  of                                                                    
     Deception Testified Three Times  on Alaska Bills." This                                                                    
     one,  "Seattle Burn  Doctor  Accused  of Dishonesty  in                                                                    
     Legislative Testimony Surrenders License."                                                                                 
                                                                                                                                
     The opponents of  this bill will bring up  the same old                                                                    
     tired complaints and arguments  against this bill. That                                                                    
     the  EPA should  regulate  it. Since  when does  Alaska                                                                    
     want  to turn  over authority  to the  EPA to  regulate                                                                    
     this?  The EPA  has had  25  years to  do something  on                                                                    
     this.  They've  done  nothing.  That  the  presence  of                                                                    
     chemicals  in  furniture  in  and   of  itself  is  not                                                                    
     dangerous. Hundreds of  academic and scientific studies                                                                    
     say  otherwise.  We've  provided  you  with  copies  of                                                                    
     numerous studies; we're happy to get you more.                                                                             
                                                                                                                                
     The  chemical  industry  will argue  that  Congress  is                                                                    
     working on some legislation  dealing with this. They've                                                                    
     had  decades  to  do this.  Nothing.  Further,  in  the                                                                    
     legislation  that is  currently being  proposed, states                                                                    
     retain   the   right   under  that   proposed   federal                                                                    
     legislation to continue  to regulate harmful substances                                                                    
     in their  own states.  Please don't  buy it  this time.                                                                    
     They have  a vested financial interest  in killing this                                                                    
     bill. These are dangerous  chemicals that have no place                                                                    
     in  our homes.  There are  safer alternatives  that are                                                                    
     just as inexpensive that are available.                                                                                    
                                                                                                                                
CHAIR COSTELLO asked if this is  the same bill that he introduced                                                               
previously.                                                                                                                     
                                                                                                                                
MR. WIELECHOWSKI replied it is virtually the same.                                                                              
                                                                                                                                
2:25:24 PM                                                                                                                    
THOMAS "TJ"  PRESLEY, Staff,  Senator Bill  Wielechowski, sponsor                                                               
of SB 111,  informed the committee that he would  provide a brief                                                               
overview  of the  bill, its  history, and  the growing  amount of                                                               
literature  on  the  danger  of  polybrominated  diphenyl  ethers                                                               
(PBDEs) to human and animal  health. Finally, he would review the                                                               
substantive contents of the packet.                                                                                             
                                                                                                                                
He stated that SB 111 does  two things. First, the bill prohibits                                                               
the manufacture,  sale, or distribution of  upholstered furniture                                                               
and  children's  items  that  contain more  than  100  parts  per                                                               
million of certain harmful flame  retardants. Second, it requires                                                               
manufacturers  to  alert  consumers  to  the  presence  of  these                                                               
chemical  flame retardants  by labeling  the  products. The  bill                                                               
provides civil penalties for violating  this law that start small                                                               
and are  capped for  each company  in one  calendar year.  SB 111                                                               
also contains a definition section  and exemptions for people who                                                               
may sell  these products from one  person to another, such  as on                                                               
Craigslist.                                                                                                                     
                                                                                                                                
MR. PRESLEY reported  that the sponsor has  requested a committee                                                               
substitute (CS),  based on  advice from  the Department  of Labor                                                               
and  Workforce   Development  (DOLWD),  to  move   the  penalties                                                               
provision  from Chapter  18 to  the Consumer  Protection Division                                                               
within the  Department of Law.  Chapter 18 only directs  DOLWD to                                                               
inspect schools that have evidence of asbestos.                                                                                 
                                                                                                                                
MR. PRESLEY  reminded the  members that  in 2012,  Dr. Heinbach's                                                               
tragic  story and  pictures he  shared with  members stopped  the                                                               
bill in its  tracks. A few months later evidence  proved that his                                                               
stories  were  untrue and  Washington  State  prosecuted him  for                                                               
fraud.  As  a  result,  he   willingly  surrendered  his  medical                                                               
license.   Subsequent  investigative   reporting  established   a                                                               
connection between  Citizens for Fire Safety  that spent $230,000                                                               
to  defeat  the bill  in  2012,  Dr.  Heinbach and  the  American                                                               
Chemical  Council  that  opposes  this  bill  today.  The  former                                                               
executive director for  the now defunct Citizens  for Fire Safety                                                               
and a  former employee for  the American Chemical  Council, Grant                                                               
David Gillam,  made headlines for  breaking ranks  after learning                                                               
about payments  to Dr. Heinbach. Mr.  Gillam eventually testified                                                               
in  support of  a full  flame  retardant ban  in California  that                                                               
passed in 2014.                                                                                                                 
                                                                                                                                
MR.  PRESLEY stated  that Dr.  Vytenis Babrauskas  was the  first                                                               
person in  the world  to be  awarded a  Ph.D. in  fire protection                                                               
engineering.  When he  learned that  his work  was being  used to                                                               
defend  the use  of flame  retardants,  he wrote  a paper  titled                                                               
"Flame  Retardants in  Furniture Foam:  Benefits and  Risks." The                                                               
conclusion is summarized as follows:                                                                                            
                                                                                                                                
     Since  1975,  hundreds  of  millions  of  kilograms  of                                                                    
     pentaBDE and  its replacements have  been used  to meet                                                                    
     California TB117.  A fire safety  benefit has  not been                                                                    
     established.  Research  suggests   that  this  standard                                                                    
     should be reevaluated in light  of the fire science and                                                                    
     health   information   discussed    above.   Prior   to                                                                    
     implementing   new  flammability   standards,  decision                                                                    
     makers  should  evaluate   the  potential  fire  safety                                                                    
     benefit  as  well  as   the  health  and  environmental                                                                    
     impacts  of the  chemicals, materials,  or technologies                                                                    
     likely to be used. Special  scrutiny should be given to                                                                    
     small open-flame  standards that  are likely to  be met                                                                    
     by  adding organohalogen  flame retardants  to foam  or                                                                    
     plastic in consumer products.                                                                                              
                                                                                                                                
MR. PRESLEY directed  attention to the packets  that contain more                                                               
literature on  the effects  of PBDEs on  human and  animal health                                                               
and offered to provide more  if any members desired. "But suffice                                                               
to  say, the  dangers  to  human health  include  risks of  neuro                                                               
developmental  processes  in  young   children  being  slowed  or                                                               
changed, passage of the dangerous  chemical through the umbilical                                                               
cord  from  mother  to   child,  cancer,  infertility,  attention                                                               
deficit disorders among others," he said.                                                                                       
                                                                                                                                
He said SB 111 is the start of  a process to purge PBDEs from the                                                               
food  supply   because  studies   have  established   that  these                                                               
chemicals are  in the blood of  many fish stocks. High  levels of                                                               
these chemicals are  beginning to show in the  autopsies of birds                                                               
and  animals that  feed on  these stocks.  The entrance  of PBDEs                                                               
into the  food supply is  a great concern for  Alaskans generally                                                               
and   those  living   a  subsistence   lifestyle  and   in  rural                                                               
communities in particular.                                                                                                      
                                                                                                                                
2:32:20 PM                                                                                                                    
CHAIR COSTELLO asked  if he wanted to comment on  the short title                                                               
being broader than what is in the bill.                                                                                         
                                                                                                                                
MR. PRESLEY  replied the sponsor's intent  is for the bill  to be                                                               
limited to  upholstered furniture and children's  items. He added                                                               
that he  could speak to the  drafter to ensure that  is reflected                                                               
in the short title.                                                                                                             
                                                                                                                                
CHAIR  COSTELLO said  she had  two questions  about the  labeling                                                               
statement  on page  2, line  24. First,  is the  label itself  an                                                               
admission that the manufacturer is  breaking the law? Second, how                                                               
do you differentiate  between a flame retardant  that's listed in                                                               
the bill and one that is not harmful?                                                                                           
                                                                                                                                
2:34:10 PM                                                                                                                    
MR.  PRESLEY clarified  that  the  bill does  not  ban PBDEs;  it                                                               
limits their  use in upholstered  furniture and  children's items                                                               
to  less than  100 parts  per million.  Responding to  the second                                                               
question,   he  said   evidence  shows   that  there   are  safer                                                               
alternatives for  flame retardants  that are  not related  to the                                                               
chemical compound addressed  in the bill. He added  that a number                                                               
of  large  Fortune  500  companies  including  Ashley  Furniture,                                                               
Walmart, Macys, Pier I Imports, and  Ikea have pledged not to buy                                                               
office furniture  with these flame  retardants and have  begun to                                                               
produce  flame retardant  fabrics that  do not  have the  harmful                                                               
chemicals listed in  the bill. He provided  information about the                                                               
chemicals they  are using,  which are  widely available  in other                                                               
states.                                                                                                                         
                                                                                                                                
CHAIR COSTELLO  asked if that is  why the effective date  is July                                                               
2017.                                                                                                                           
                                                                                                                                
MR.  PRESLEY explained  that  the delayed  effective  date is  an                                                               
attempt to  give industry  time to understand  the bill  and take                                                               
action accordingly.                                                                                                             
                                                                                                                                
CHAIR COSTELLO asked  how the bill will  affect Alaska businesses                                                               
that may have affected inventory.                                                                                               
                                                                                                                                
MR.  PRESLEY said  he did  not have  that information,  but would                                                               
work to find out.                                                                                                               
                                                                                                                                
CHAIR COSTELLO  asked where  the list of  chemicals in  Section 1                                                               
came from.                                                                                                                      
                                                                                                                                
MR.  PRESLEY  replied it  was  compiled  in consultation  with  a                                                               
number  of scientific  groups like  Alaska  Community Actions  on                                                               
Toxics.                                                                                                                         
                                                                                                                                
SENATOR  MEYER  asked if  limiting  the  use of  these  chemicals                                                               
through federal law had been pursued.                                                                                           
                                                                                                                                
MR.  PRESLEY replied  the inaction  by  the EPA  and the  federal                                                               
government  over the  past 25  years is  what prompted  states to                                                               
take action. He  added that the U.S. Senate  currently is working                                                               
on the Toxic  Substances Act, which allows states to  apply for a                                                               
waiver  to  enact more  restrictive  standards  than the  federal                                                               
minimum. The proposed  Act also allows a state to  take action on                                                               
a chemical while it is under study by the EPA.                                                                                  
                                                                                                                                
SENATOR  MEYER asked  if  there have  been  lawsuits against  the                                                               
manufacturers of PBDEs.                                                                                                         
                                                                                                                                
MR. PRESLEY offered to follow up with an answer.                                                                                
                                                                                                                                
SENATOR  MEYER asked  if Washington  State has  passed a  similar                                                               
law.                                                                                                                            
                                                                                                                                
MR. PRESLEY  replied a  bill was introduced  this session  but he                                                               
didn't know if it had passed.                                                                                                   
                                                                                                                                
2:39:15 PM                                                                                                                    
CHAIR COSTELLO opened public testimony on SB 111.                                                                               
                                                                                                                                
2:39:43 PM                                                                                                                    
MAUREEN SWANSON,  Director, Healthy Children's  Project, Learning                                                               
Disabilities   Association    of   America    (LDA),   Pittsburg,                                                               
Pennsylvania,  testified  in  support  of  SB  111  reading  from                                                               
prepared testimony.                                                                                                             
                                                                                                                                
     LDA  is  the  oldest  and  largest  national  volunteer                                                                    
     organization  advocating for  children and  adults with                                                                    
     learning  disabilities. We  have  chapters and  members                                                                    
     throughout  the country,  including in  Alaska. We  are                                                                    
     witnessing an alarming  increase in neuro developmental                                                                    
     disorders that cannot be fully  explained by changes in                                                                    
     awareness  or diagnosis.  One in  six  children in  the                                                                    
     United States  has a reported  developmental disability                                                                    
     including   autism,  attention   deficit  hyperactivity                                                                    
     disorder and other learning and developmental delays.                                                                      
                                                                                                                                
     The  National  Academy  of  Sciences  has  stated  that                                                                    
     environmental  factors,  including  exposure  to  toxic                                                                    
     chemicals, in  combination with genetics  contribute to                                                                    
     at  least   one-quarter  of  all   neuro  developmental                                                                    
     disabilities  in   the  United  States.   During  fetal                                                                    
     development   and   early   childhood  the   brain   is                                                                    
     especially  at  risk  from  toxic  chemicals,  even  at                                                                    
     extremely  low  exposure  levels.  Scientific  evidence                                                                    
     clearly  demonstrates that  babies  and young  children                                                                    
     are  regularly exposed  to halogenated  flame retardant                                                                    
     chemicals including  the flame  retardants named  in SB                                                                    
     111. These  exposures pose an elevated  risk of serious                                                                    
     and  lasting  problems   with  learning  and  behavior,                                                                    
     including ADHD and autism.                                                                                                 
                                                                                                                                
     These flame retardants cross the  placenta to the fetus                                                                    
     and are detected in umbilical  cord blood and in breast                                                                    
     mild. Because of  their size and weight,  rapid rate of                                                                    
     growth  and  development,   metabolism  and  behaviors,                                                                    
     babies  and children  are likely  to experience  higher                                                                    
     chronic exposures to flame retardants than adults.                                                                         
                                                                                                                                
     These chemicals  migrate from furniture  and children's                                                                    
     products  into  dust and  then  are  ingested by  young                                                                    
     children. A 2011  study of baby products  found that 80                                                                    
     percent of  the items tested contained  flame retardant                                                                    
     chemicals  while  a  2014  study  of  40  daycares  and                                                                    
     preschools found toxic flame  retardants in 100 percent                                                                    
     of  dust  samples  at the  facilities.  What  do  these                                                                    
     constant exposures  to toxic flame  retardant chemicals                                                                    
     mean to the fetus and  young children? In the last five                                                                    
     years,  three public  studies of  hundreds of  pregnant                                                                    
     women and children have  resulted in strikingly similar                                                                    
     findings. Children  more highly  exposed to  PBDE flame                                                                    
     retardants prenatally, have  lower IQ scores, cognitive                                                                    
     delays, and  attention problems.  The decrements  in IQ                                                                    
     persist throughout the children's school years.                                                                            
                                                                                                                                
     The  flame  retardant chemicals  named  in  SB 111  are                                                                    
     structurally  similar to  thyroid  hormones, which  are                                                                    
     essential  for  healthy  brain  development.  In  2015,                                                                    
     scientists  with the  Endocrine Society  concluded that                                                                    
     PBDE exposures  interfere with thyroid.  Recent studies                                                                    
     of  flame  retardants  that have  replaced  PBDEs  show                                                                    
     these chemicals  can also disrupt thyroid  hormones and                                                                    
     pose serious risks to brain development.                                                                                   
                                                                                                                                
     In plain English,  the chemicals named in  SB 11 change                                                                    
     babies brains.  I'd like  to highlight  briefly several                                                                    
     specific   examples.   The   chlorinated   tris   flame                                                                    
     retardant chemicals  are notorious. In the  late 1970s,                                                                    
     TDCPP was  one of several tris  flame retardants banned                                                                    
     from use  in children's pajamas because  of grave risks                                                                    
     to  children's health.  Instead  of halting  production                                                                    
     and  use of  TDCPP,  manufacturers  instead added  this                                                                    
     toxic  chemical to  other  children's  products and  to                                                                    
     furniture.  A recent  study found  that  TDCPP was  the                                                                    
     most   commonly  detected   flame  retardant   in  baby                                                                    
     products   containing  polyurethane   foam.  In   2011,                                                                    
     scientists  found  that TDCPP  as  well  as other  tris                                                                    
     flame  retardants  may  affect brain  development  with                                                                    
     similar or even greater  potency than chemicals already                                                                    
     known to be  neurotoxic. Fire Master 550  is the second                                                                    
     most commonly detected  flame retardant in polyurethane                                                                    
     foam.  It's   used  in  furniture  and   baby  products                                                                    
     including  nursing pillows  and changing  pads. Two  of                                                                    
     Fire  Master 550's  main components,  TBD and  TBPH are                                                                    
     brominated  compounds that  migrate from  products into                                                                    
     dust. In  2012, research implicated Fire  Master 550 as                                                                    
     an endocrine  disrupting chemical with  adverse effects                                                                    
     at  levels much  lower than  the no  observable adverse                                                                    
     effect level  reported by  the manufacturer.  The study                                                                    
     suggests   that  Fire   Master  550   disrupts  thyroid                                                                    
     hormones and harms the developing brain.                                                                                   
                                                                                                                                
     In  conclusion, the  toxic  flame  retardants that  are                                                                    
     named  in  the Toxic  Free  Children  Act migrate  from                                                                    
     furniture  and children's  products into  dust and  are                                                                    
     ingested by  young children.  They cross  the placenta,                                                                    
     build up in  the body, and in breast  milk. These flame                                                                    
     retardants are structurally similar  to PCB and also to                                                                    
     thyroid   hormones.   These  chemicals   put   Alaska's                                                                    
     children at  greater risk  of learning  and development                                                                    
     disorders  including  ADHD  and  autism.  The  Learning                                                                    
     Disabilities  Association  of  America urges  that  the                                                                    
     Senate pass  the Toxic Free  Children's Act  to protect                                                                    
     children's  minds and  bodies  from  these toxic  flame                                                                    
     retardants.                                                                                                                
                                                                                                                                
2:45:47 PM                                                                                                                    
JENNIFER GIBBONS,  Senior Director  of State  Government Affairs,                                                               
Toy Industry Association  Inc., stated that while  TIA shares the                                                               
sponsor's desire to  ensure the safety of children,  they do have                                                               
concerns with  the bill as  drafted. TIA's preference is  to have                                                               
regulation at the federal level  because unique state regulations                                                               
are challenging  for manufacturers that sell  in multiple states.                                                               
She  said  the  network  of existing  federal  regulations  could                                                               
address  these  issues.  In fact,  the  Consumer  Product  Safety                                                               
Commission  is   evaluating  the  use  of   flame  retardants  in                                                               
children's products and whether new restrictions are warranted.                                                                 
                                                                                                                                
She  stated that  toy manufacturers  typically do  not add  flame                                                               
retardants to toys, but their  internal components and electronic                                                               
circuit  boards may  contain trace  amounts of  flame retardants.                                                               
While  these components  would be  inaccessible to  a child,  she                                                               
said they are critical to the safety of the product.                                                                            
                                                                                                                                
2:48:32 PM                                                                                                                    
DAVID LEVINE,  Co-founder and CEO, American  Sustainable Business                                                               
Council (ASBC), Washington, D.C. testified  in support of SB 111.                                                               
This  is   a  growing  network  of   business  organizations  and                                                               
companies that work to grow  businesses, create new jobs, provide                                                               
benefits  to  communities,  and protect  their  health.  He  also                                                               
represents  companies  that  are  committed  to  advancing  safer                                                               
chemicals  in products.  He said  we believe  it is  important to                                                               
pass the  Toxic Free Children's  Act because  scientific research                                                               
continues  to  find  connections   between  toxic  chemicals  and                                                               
childhood  diseases.  This  is eroding  consumer  confidence  and                                                               
motivating  companies to  identify  safer  alternatives to  these                                                               
toxic chemicals. He continued:                                                                                                  
                                                                                                                                
     We  believe  it  is  time   to  take  action  on  these                                                                    
     products,"  he said.  ASBC  commissioned  a study  that                                                                    
     found  that  safer chemicals  are  proving  to be  more                                                                    
     important  to  growing  the  economy  than  traditional                                                                    
     chemicals.  Polling  shows  that 73  percent  of  small                                                                    
     business  owners  overwhelmingly   support  reform  and                                                                    
     strengthening chemical legislation. Now  is the time to                                                                    
     have a predictable, consistent  set of regulations that                                                                    
     will enable  business to innovate and  drive growth and                                                                    
     job creation. "As business leaders  we're saying we can                                                                    
     work together  with public  and private  sector, create                                                                    
     the economy  of tomorrow  today...in which  all parents                                                                    
     can  rest assured  that the  only choice  is a  healthy                                                                    
     one.                                                                                                                       
                                                                                                                                
2:52:28 PM                                                                                                                    
CURTIS  THAYER,  President  and  CEO,  Alaska  State  Chamber  of                                                               
Commerce,  Anchorage, Alaska,  stated opposition  to SB  111, but                                                               
support for  protecting public health and  the environment. Given                                                               
the  interdependence   of  commerce   in  the   U.S.,  regulatory                                                               
certainty  across the  states is  necessary, he  said. While  the                                                               
bill is  well-intended, it needlessly threatens  the availability                                                               
of goods and  the viability of business. He pointed  out that the                                                               
EPA currently  is assessing several flame  retardants included in                                                               
the  bill. "At  a minimum,  Alaska  should be  informed of  those                                                               
scientific assessments before they pass [this] bill."                                                                           
                                                                                                                                
2:53:57 PM                                                                                                                    
TIM  SHESTEK,  American  Chemistry Council  (ACC),  testified  in                                                               
opposition to SB 111. He stated  that ACC supports the attempt to                                                               
develop  a  uniform  regulatory system.  The  EPA  is  conducting                                                               
assessments of  all the flame  retardants included in SB  111, as                                                               
well  as others,  and  he  would encourage  the  committee to  be                                                               
informed  by  that  information before  moving  to  restrict  any                                                               
chemical  compound under  this legislation.  He pointed  out that                                                               
this debate is not about  whether there are organizations that do                                                               
or  do  not  support  safe   chemicals.  "Our  companies  have  a                                                               
responsibility to produce safe  products. We certainly understand                                                               
that and we're  a part of the effort to  ensure that the products                                                               
we make and  their intended use are safe for  consumers." He said                                                               
ACC is  providing as much information  as possible to the  EPA to                                                               
help  with  their  assessments.   He  noted  that  ACC  submitted                                                               
detailed testimony  that touches  on some  of the  science issues                                                               
identified in the bill.                                                                                                         
                                                                                                                                
CHAIR COSTELLO  held SB  111 in  committee with  public testimony                                                               
open.                                                                                                                           
                                                                                                                                
2:56:29 PM                                                                                                                    
There being no further business to come before the committee,                                                                   
Chair Costello adjourned the Senate Labor and Commerce Standing                                                                 
Committee meeting at 2:56 p.m.                                                                                                  

Document Name Date/Time Subjects
HB 12 - Sponsor Statement.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Sectional Analysis.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12- Fiscal Note DCCED-DBS.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Flow Chart and Explanation.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents - SAFE Act.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Allie Hewitt.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Curtis Green.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Doug McCann.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Jim Kelly.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Justin Goodman.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Kris Yoder.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Kristie Babcock.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Nancy Field.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Rueben Willis.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Randy Rhodes.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Shannon Fortune.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter State Farm Agents.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter State Farm Corporation.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Todd Jackson.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Troy Sayer.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 12 - Supporting Documents-Letter Tyler Randolph.pdf SL&C 1/28/2016 1:30:00 PM
HB 12
HB 155 - Sponsor Statement.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Version Changes H-N.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Fiscal Note DOR.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Support Document Indirect Expenditure Report - Cigarette Tax Stamp Discount.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Support Document Indirect Expenditure Report - Commercial Passenger Vessel Gambling Tax Deduction.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Support Document Indirect Expenditure Report - Exploration Incentive Credit.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Support Document Indirect Expenditure Report - Motor Fuel Tax Timely Filing Discount.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Support Document Indirect Expenditure Report - Small Loan Company Exemption.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
HB 155 - Support Document Indirect Expenditure Report - Tobacco Product Tax Timely Filing Deduction.pdf SL&C 1/28/2016 1:30:00 PM
HB 155
SB 111 - Sponsor statement.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Fiscal Note DEC.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Fiscal Note DPS.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - AFN Resolution.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - AK Professional Fire Fighters Assoc.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Alaska Nurses Association Letter.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Arc of Anchorage Letter.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - ASBC Letter.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Breast Cancer Fund Letter.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 -Tony Stefani and Firefighters Cancer Prevention Foundation 1-27-16.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - American Chemistry Council Opposition Letter.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Motorcycle Industry Council Letter.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Federal Statutes Regulating Chemicals.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
State Chamber SB111.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Journal Article - Prenatal exposure to polybrominated diphenyl ethers and child attention.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Journal Article - Flame Retardants in Furniture Foam Benefits and Risks.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - San Francisco Chronicle - Chemical industry hoodwinked California Legislature.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - European Food Safety Authority Brominated Flame Retardants.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Are PBDE's Making Bald Eagles Go Extinct.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Article - Flame Retardants Are They Extinguishing Brain Development.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - CDC Statement on PBDEs.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Chicago Tribune - Fear fans flames for chemical makers.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Chicago Tribune Article - Distorting Science.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - EndoWeb - Hypothyroidism Linked to Flame Retardants.pdf SL&C 1/28/2016 1:30:00 PM
SB 111
SB 111 - Misc. Support E-mails.pdf SL&C 1/28/2016 1:30:00 PM
SB 111