Legislature(2023 - 2024)BARNES 124

05/05/2023 03:15 PM House LABOR & COMMERCE

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* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+ Bills Previously Heard/Scheduled TELECONFERENCED
+ SB 123 LICENSE REQUIREMENTS: COMM. DRIVERS TELECONFERENCED
<Bill Hearing Rescheduled to 05/08/23>
<Pending Referral>
+= HB 166 PFAS: USE FOR FIREFIGHTING, DISPOSAL TELECONFERENCED
Moved HB 166 Out of Committee
-- Public Testimony <2 Minute Time Limit> --
+= HB 137 PHYSICAL THERAPY LICENSURE COMPACT TELECONFERENCED
Heard & Held
-- Public Testimony <2 Minute Time Limit> --
+= HB 138 AUD. & SPEECH-LANG INTERSTATE COMPACT TELECONFERENCED
Heard & Held
-- Public Testimony <2 Minute Time Limit> --
+= HB 145 LOANS UNDER $25,000; PAYDAY LOANS TELECONFERENCED
Heard & Held
<Bill Hearing Rescheduled from 05/03/23>
                    ALASKA STATE LEGISLATURE                                                                                  
          HOUSE LABOR AND COMMERCE STANDING COMMITTEE                                                                         
                          May 5, 2023                                                                                           
                           2:57 p.m.                                                                                            
                                                                                                                                
MEMBERS PRESENT                                                                                                               
                                                                                                                                
Representative Justin Ruffridge, Vice Chair                                                                                     
Representative Mike Prax                                                                                                        
Representative Dan Saddler                                                                                                      
Representative Ashley Carrick                                                                                                   
Representative Zack Fields                                                                                                      
                                                                                                                                
MEMBERS ABSENT                                                                                                                
                                                                                                                                
Representative Stanley Wright                                                                                                   
Representative Jesse Sumner, Chair                                                                                              
                                                                                                                                
OTHER LEGISLATORS PRESENT                                                                                                     
                                                                                                                                
Representative Will Stapp                                                                                                       
                                                                                                                                
COMMITTEE CALENDAR                                                                                                            
                                                                                                                                
HOUSE BILL NO. 166                                                                                                              
"An Act  relating to  firefighting substances;  and providing  for                                                              
an effective date."                                                                                                             
                                                                                                                                
     - MOVED HB 166 OUT OF COMMITTEE                                                                                            
                                                                                                                                
HOUSE BILL NO. 137                                                                                                              
"An  Act relating  to  an  interstate physical  therapy  licensure                                                              
compact;  relating  to  the  licensure   of  physical  therapists,                                                              
physical  therapist   assistants,  occupational   therapists,  and                                                              
occupational therapy  assistants; and  providing for  an effective                                                              
date."                                                                                                                          
                                                                                                                                
     - HEARD & HELD                                                                                                             
                                                                                                                                
HOUSE BILL NO. 138                                                                                                              
"An Act  relating to an  audiology and speech-language  interstate                                                              
compact; relating  to the practice  of audiology and  the practice                                                              
of  speech-language  pathology;  and providing  for  an  effective                                                              
date."                                                                                                                          
                                                                                                                                
     - HEARD & HELD                                                                                                             
                                                                                                                                
HOUSE BILL NO. 145                                                                                                              
"An Act relating to loans in an amount of $25,000 or less;                                                                      
relating to deferred deposit advances; and providing for an                                                                     
effective date."                                                                                                                
                                                                                                                                
     - HEARD & HELD                                                                                                             
                                                                                                                                
PREVIOUS COMMITTEE ACTION                                                                                                     
                                                                                                                                
BILL: HB 166                                                                                                                  
SHORT TITLE: PFAS: USE FOR FIREFIGHTING,  DISPOSAL                                                                              
SPONSOR(s): REPRESENTATIVE(s) STAPP                                                                                             
                                                                                                                                
04/19/23       (H)       READ THE FIRST TIME - REFERRALS                                                                        
04/19/23       (H)       L&C, FIN                                                                                               
04/28/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
04/28/23       (H)       Heard & Held                                                                                           
04/28/23       (H)       MINUTE(L&C)                                                                                            
05/05/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
                                                                                                                                
BILL: HB 137                                                                                                                  
SHORT TITLE: PHYSICAL THERAPY LICENSURE COMPACT                                                                                 
SPONSOR(s): REPRESENTATIVE(s) WRIGHT                                                                                            
                                                                                                                                
03/27/23       (H)       READ THE FIRST TIME - REFERRALS                                                                        
03/27/23       (H)       L&C, FIN                                                                                               
04/21/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
04/21/23       (H)       <Bill Hearing Canceled>                                                                                
04/24/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
04/24/23       (H)       Heard & Held                                                                                           
04/24/23       (H)       MINUTE(L&C)                                                                                            
05/05/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
                                                                                                                                
BILL: HB 138                                                                                                                  
SHORT TITLE: AUD. & SPEECH-LANG  INTERSTATE COMPACT                                                                             
SPONSOR(s): REPRESENTATIVE(s) WRIGHT                                                                                            
                                                                                                                                
03/27/23       (H)       READ THE FIRST TIME - REFERRALS                                                                        
03/27/23       (H)       L&C, FIN                                                                                               
04/21/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
04/21/23       (H)       <Bill Hearing Canceled>                                                                                
04/24/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
04/24/23       (H)       Heard & Held                                                                                           
04/24/23       (H)       MINUTE(L&C)                                                                                            
05/05/23       (H)       L&C AT  3:15 PM BARNES 124                                                                             
                                                                                                                                
BILL: HB 145                                                                                                                  
SHORT TITLE: LOANS UNDER $25,000; PAYDAY LOANS                                                                                  
SPONSOR(s): REPRESENTATIVE(s) WRIGHT                                                                                            
                                                                                                                                
03/29/23       (H)       READ THE FIRST TIME - REFERRALS                                                                        
03/29/23       (H)       L&C                                                                                                    
04/14/23       (H)       FIN REFERRAL ADDED AFTER L&C                                                                           
04/14/23       (H)       BILL REPRINTED                                                                                         
04/14/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
04/14/23       (H)       Heard & Held                                                                                           
04/14/23       (H)       MINUTE(L&C)                                                                                            
04/19/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
04/19/23       (H)       -- MEETING CANCELED --                                                                                 
04/21/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
04/21/23       (H)       Heard & Held                                                                                           
04/21/23       (H)       MINUTE(L&C)                                                                                            
05/03/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
05/03/23       (H)       <Bill Hearing Rescheduled to 05/05/23>                                                                 
05/05/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
                                                                                                                                
WITNESS REGISTER                                                                                                              
                                                                                                                                
CLIFTON COGHILL, Staff                                                                                                          
Representative Will Stapp                                                                                                       
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  On behalf of the prime sponsor,                                                                          
Representative Stapp, gave a brief overview of HB 166.                                                                          
                                                                                                                                
DAVID PRUHS, Mayor                                                                                                              
City of Fairbanks                                                                                                               
Fairbanks, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 166.                                                              
                                                                                                                                
PATRICE LEE                                                                                                                     
Representing self                                                                                                               
Fairbanks, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 166.                                                              
                                                                                                                                
SCOTT RAYGOR, Chief                                                                                                             
Fairbanks Fire Department                                                                                                       
Fairbanks, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 166.                                                              
                                                                                                                                
RACHAEL GUNN, Staff                                                                                                             
Representative Stanley Wright                                                                                                   
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  On behalf of the prime sponsor,                                                                          
Representative Wright, gave a brief recap of HB 137 and HB 138.                                                                 
                                                                                                                                
ERICK CORDERO GIORGANA, Vice President                                                                                          
Operations                                                                                                                      
Alaska Policy Forum                                                                                                             
Wasilla, Alaska                                                                                                                 
POSITION STATEMENT:  Gave public testimony in support of HB 137.                                                              
                                                                                                                                
ALEC KAY, President                                                                                                             
Alaska Chapter of the American Physical Therapy Association                                                                     
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 137.                                                              
                                                                                                                                
MARGE STONEKING, Advocacy Director                                                                                              
AARP Alaska                                                                                                                     
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 137.                                                              
                                                                                                                                
DAVID JAMISON, representing self                                                                                                
Fairbanks, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 138.                                                              
                                                                                                                                
ANDREA TOTH, President                                                                                                          
Alaska Speech and Hearing Association                                                                                           
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Gave public testimony in support of HB 138.                                                              
                                                                                                                                
PI RIORDAN-RANDALL, Staff                                                                                                       
Representative Stanley Wright                                                                                                   
Alaska State Legislature                                                                                                        
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:  On behalf of the prime sponsor,                                                                          
Representative Wright, gave a summary of changes for the                                                                        
proposed committee substitute for HB 145.                                                                                       
                                                                                                                                
ROBERT SCHMIDT, Director                                                                                                        
Alaska Division of Banking and Securities                                                                                       
Department of Commerce, Community and Economic Development                                                                      
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:  Answered questions during the hearing on HB
145.                                                                                                                            
                                                                                                                                
TRACY RENO, Chief of Examinations                                                                                               
Alaska Division of Banking and Securities                                                                                       
Department of Commerce, Community and Economic Development                                                                      
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:   Answered questions during the  hearing on HB
145.                                                                                                                            
                                                                                                                                
ACTION NARRATIVE                                                                                                              
                                                                                                                                
3:15:21 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  JUSTIN RUFFRIDGE called  the House Labor  and Commerce                                                            
Standing    Committee   meeting    to   order    at   3:15    p.m.                                                              
Representatives  Saddler,  Prax,  Carrick, Fields,  and  Ruffridge                                                              
were present at the call to order.                                                                                              
                                                                                                                                
          HB 166-PFAS: USE FOR FIREFIGHTING, DISPOSAL                                                                       
                                                                                                                                
3:16:20 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  RUFFRIDGE announced that  the first order  of business                                                              
would  be HOUSE BILL  NO. 166,  "An Act  relating to  firefighting                                                              
substances; and providing for an effective date."                                                                               
                                                                                                                                
3:16:38 PM                                                                                                                    
                                                                                                                                
CLIFTON COGHILL,  Staff, Representative  Will Stapp,  Alaska State                                                              
Legislature,  on  behalf  of  the  prime  sponsor,  Representative                                                              
Stapp,  gave  a   brief  overview  of  HB  166.     He  said  that                                                              
perfluoroalkyl  and polyfluoroalkyl  substances  (PFAS) have  been                                                              
found to  be hazardous  materials, and HB  166 would  restrict the                                                              
usage of PFAS, except  to the oil and gas industry.   The proposed                                                              
bill  would  also   require  the  state  to  retrieve   some  PFAS                                                              
containing foam for disposal.                                                                                                   
                                                                                                                                
3:17:41 PM                                                                                                                    
                                                                                                                                
VICE CHAIR RUFFRIDGE opened public testimony on HB 166.                                                                         
                                                                                                                                
3:18:06 PM                                                                                                                    
                                                                                                                                
DAVID PRUHS,  Mayor, City  of Fairbanks,  stated that  he supports                                                              
the  bill, as  it would  provide  a stopgap  measure for  fighting                                                              
certain  types  of  fires  while moving  away  from  harmful  PFAS                                                              
containing  foams.    He  said  that  the  stopgap  would  prevent                                                              
Fairbanks  from   having  to  spend   more  on  new   firefighting                                                              
equipment amidst a tight budget.                                                                                                
                                                                                                                                
3:19:41 PM                                                                                                                    
                                                                                                                                
PATRICE LEE,  representing  self, expressed  support for  the bill                                                              
because it would address future contamination from PFAS.                                                                        
                                                                                                                                
3:21:00 PM                                                                                                                    
                                                                                                                                
SCOTT  RAYGOR,   Chief,  Fairbanks   Fire  Department,   expressed                                                              
support for  HB 166.   He said that  Fairbanks has  spent millions                                                              
of dollars  connecting residences  to city  water because  of PFAS                                                              
contamination.   He  suggested that  this  would be  a good  first                                                              
step  in  eliminating  "forever  chemicals."   He  expressed  some                                                              
concern  in  the  section  of  the  bill  which  addresses  forest                                                              
firefighting materials.                                                                                                         
                                                                                                                                
3:23:14 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  RUFFRIDGE, after  ascertaining there  was no  one else                                                              
who wished to testify, closed public testimony on Hb 166.                                                                       
                                                                                                                                
3:23:27 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER moved to  report HB  166 out of  committee                                                              
with  individual  recommendations   and  the  accompanying  fiscal                                                              
notes.  There being  no objection, HB 166 was reported  out of the                                                              
House Labor and Commerce Standing Committee.                                                                                    
                                                                                                                                
3:23:51 PM                                                                                                                    
                                                                                                                                
The committee took an at-ease from 3:23 p.m. to 3:25 p.m.                                                                       
                                                                                                                                
            HB 137-PHYSICAL THERAPY LICENSURE COMPACT                                                                       
                                                                                                                                
3:25:40 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  RUFFRIDGE announced  that the  next order  of business                                                              
would be  HOUSE BILL NO.  137, "An Act  relating to  an interstate                                                              
physical therapy  licensure compact; relating to  the licensure of                                                              
physical therapists,  physical therapist assistants,  occupational                                                              
therapists,  and occupational  therapy  assistants; and  providing                                                              
for an effective date."                                                                                                         
                                                                                                                                
3:26:00 PM                                                                                                                    
                                                                                                                                
RACHAEL GUNN, Staff,  Representative Stanley Wright,  Alaska State                                                              
Legislature, on  behalf of  Representative Wright, prime  sponsor,                                                              
stated that  HB 137 would bring  Alaska in the  Physical Therapist                                                              
Licensure Compact.   She addressed HB 138 [which  was heard during                                                              
the  meeting  at 3:35  p.m.],  on  behalf  of the  prime  sponsor,                                                              
Representative  Wright.  She  stated that HB  138 would  bring the                                                              
state  into   the  Audiologist   and  Speech  Language   Therapist                                                              
Compact.                                                                                                                        
                                                                                                                                
3:26:37 PM                                                                                                                    
                                                                                                                                
VICE  CHAIR   RUFFRIDGE  opened   public  testimony  on   HB  137.                                                              
[Testifiers  also offered  public  testimony on  HB  138.   Public                                                              
testimony on HB 138 was opened during the meeting at 3:35 p.m.]                                                                 
                                                                                                                                
3:26:56 PM                                                                                                                    
                                                                                                                                
ERICK  CORDERO   GIORGANA,  Vice  President,   Operations,  Alaska                                                              
Policy Forum  (APF), stated that APF  supports both HB  137 and HB
138   because   these   proposed    bills   would   increase   the                                                              
opportunities  for professionals  in these  fields.  He  explained                                                              
that   licensure   compacts   reduce  barriers   caused   by   the                                                              
differences in requirements  from state to state.   He argued that                                                              
these  compacts would  ultimately  attract  more professionals  to                                                              
Alaska.                                                                                                                         
                                                                                                                                
3:29:22 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  FIELDS expressed concern  about APF's  support for                                                              
the  proposed  legislation;  however,  he  stated  that  he  would                                                              
continue his support.                                                                                                           
                                                                                                                                
3:29:33 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE SADDLER  asked whether  APF has a  blanket position                                                              
on licensure compacting.                                                                                                        
                                                                                                                                
MR.  GIORGANA   answered  that  it  supports   licensure  compacts                                                              
regardless of the [medical profession] addressed in a bill.                                                                     
                                                                                                                                
3:30:43 PM                                                                                                                    
                                                                                                                                
ALEC  KAY, President,  Alaska  Chapter  of the  American  Physical                                                              
Therapy  Association, stated  that the  American Physical  Therapy                                                              
Association  supports  HB  137,  as it  will  improve  safety  and                                                              
access  to care.   He  said that  Alaska faces  delays in  gaining                                                              
licensure,  leading professionals  to choose  other states,  which                                                              
has a negative economic and healthcare impact on the state.                                                                     
                                                                                                                                
3:33:44 PM                                                                                                                    
                                                                                                                                
MARGE  STONEKING,  Advocacy  Director, AARP  Alaska,  stated  that                                                              
AARP  Alaska supports  HB 137  and HB  138, as  these bills  would                                                              
increase  access  to care  for  Alaska's  aging population.    She                                                              
expressed  the   opinion  that  the  compacts  would   reduce  the                                                              
barriers when recruiting professionals from other states.                                                                       
                                                                                                                                
3:35:26 PM                                                                                                                    
                                                                                                                                
VICE  CHAIR RUFFRIDGE  after ascertaining  that there  was no  one                                                              
else who wished to testify, closed public testimony on HB 137.                                                                  
                                                                                                                                
[HB 137 was held over.]                                                                                                         
                                                                                                                                
          HB 138-AUD. & SPEECH-LANG INTERSTATE COMPACT                                                                      
                                                                                                                                
3:35:39 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  announced  that the  next order of  business would  be                                                              
HOUSE BILL NO. 138,  "An Act relating to an audiology  and speech-                                                              
language  interstate   compact;  relating   to  the   practice  of                                                              
audiology  and  the practice  of  speech-language  pathology;  and                                                              
providing for an effective date."                                                                                               
                                                                                                                                
3:35:52 PM                                                                                                                    
                                                                                                                                
VICE CHAIR RUFFRIDGE opened public testimony on HB 138.                                                                         
                                                                                                                                
3:36:18 PM                                                                                                                    
                                                                                                                                
DAVID  JAMISON, representing  self,  stated that  he  is a  speech                                                              
therapist and offered  support for HB 138.  He said  that there is                                                              
a severe  shortage of  speech therapists  in Alaska and  expressed                                                              
the  opinion that  joining the  compact would  reduce barriers  in                                                              
recruitment.                                                                                                                    
                                                                                                                                
3:37:45 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER  questioned  the  current length  of  time                                                              
before licensure would be granted.                                                                                              
                                                                                                                                
MR.  JAMISON answered  that, before  licensure  is granted,  there                                                              
are  other  required certifications.    He  said that  the  entire                                                              
process can  take up to  six months.   In response to  a follow-up                                                              
question, he  said that the  bill would  reduce the time  frame by                                                              
at least  six weeks.   He  answered that  the proposed  bill would                                                              
not reduce the  amount of time required to gain  certification for                                                              
the various insurance companies.                                                                                                
                                                                                                                                
3:42:58 PM                                                                                                                    
                                                                                                                                
ANDREA  TOTH, President,  Alaska  Speech and  Hearing  Association                                                              
(ASHA), shared  that she  has worked as  a speech therapist  since                                                              
1993 and  expressed support for HB  138.  She argued  that joining                                                              
the compact  would improve  care for  military families  and allow                                                              
military spouses  to begin work  more quickly in  their associated                                                              
medical  fields.  She  stated that  ASHA supports  the bill,  and,                                                              
because  Alaska does  not have  an audiology  and speech  language                                                              
therapist board, ASHA could provide oversight.                                                                                  
                                                                                                                                
3:44:31 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER  questioned  the  licensure  certification                                                              
process for audiologists and speech language therapists.                                                                        
                                                                                                                                
MS.  TOTH answered  that  national  certification  is required  to                                                              
receive  a license  in Alaska  and  offered that  ASHA is  already                                                              
involved in this process.                                                                                                       
                                                                                                                                
3:45:48 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  RUFFRIDGE, after  ascertaining that  there was  no one                                                              
else who wished to testify, closed public testimony on HB 138.                                                                  
                                                                                                                                
[HB 138 was held over.]                                                                                                         
                                                                                                                                
            HB 145-LOANS UNDER $25,000; PAYDAY LOANS                                                                        
                                                                                                                                
3:46:01 PM                                                                                                                    
                                                                                                                                
VICE CHAIR  RUFFRIDGE announced that  the final order  of business                                                              
would  be HOUSE  BILL NO. 145,  "An Act  relating  to loans  in an                                                              
amount  of   $25,000  or  less;   relating  to  deferred   deposit                                                              
advances; and providing for an effective date."                                                                                 
                                                                                                                                
3:46:38 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER  moved  to adopt  the  proposed  committee                                                              
substitute  (CS)  for  HB  145,   labeled,  33-LS0508\U,  Dunmire,                                                              
3/28/23, ("Version  U"), as  a working document.   There  being no                                                              
objection, Version U was before the committee.                                                                                  
                                                                                                                                
3:47:17 PM                                                                                                                    
                                                                                                                                
PI RIORDAN-RANDALL,  Staff, Representative Stanley  Wright, Alaska                                                              
State  Legislature,  on  behalf of  Representative  Wright,  prime                                                              
sponsor,  gave  the  summary  of   changes  for  Version  U  [copy                                                              
included  in  the   committee  packet],  which  read   as  follows                                                              
[original punctuation provided]:                                                                                                
                                                                                                                                
     The  committee  substitute  for HB145  version  U  would                                                                   
     make the following changes:                                                                                                
                                                                                                                                
        Amend Section  3,  adding new  subsection  (d) to  AS                                                                 
     06.20.025  to clarify  that lenders  who issue loans  to                                                                   
     Alaskan residents  where the borrower completes  the in-                                                                   
     person   or    electronic   transaction    while   being                                                                   
     physically  present  must   register  as  a  small  loan                                                                   
     licensee.                                                                                                                  
          o This  change would  protect Alaskan consumers  by                                                                   
     regulating  lenders   who  say  they  do  not   have  to                                                                   
     register  in  Alaska  because   their  server  or  other                                                                   
     infrastructure is located out of state.                                                                                    
          o It would  also provide clarity to  businesses who                                                                   
     may be unclear if they need to register.                                                                                   
                                                                                                                                
     Add the following new sections:                                                                                            
     • Section 4,  adding new section AS  06.20.025 "National                                                                 
     Registry"   allowing   the   Department   of   Commerce,                                                                   
     Community,  and Economic Development  to participate  in                                                                   
     the   Nationwide   Multistate   Licensing   System   and                                                                   
     Registry  (NMLS) and  utilize the  registry to  register                                                                   
     licensees   and   have   licensees   apply,   renew   an                                                                   
     application, submit  reports, pay fees,  submit reports,                                                                   
     upload  surety  bonds, challenge  information  input  by                                                                   
     the  department  into  the  registry,  and  input  other                                                                   
     information and forms into the registry.                                                                                   
          o  This  change should  reduce  the  administrative                                                                   
     burden   on   licensees.   Currently,   licensees   must                                                                   
     complete a  pdf application,  email it to the  division,                                                                   
     and mail a  check or fax a credit card  authorization to                                                                   
     pay  application   fees.  These   processes  should   be                                                                   
     streamlined  if licensees apply  through NMLS,  which is                                                                   
     used in over 50 U.S. states and territories.                                                                               
               ? Renewal  applications would simply  note any                                                                   
     changes (versus  having to  fill out a full  application                                                                   
     each  year),  surety  bonds  could be  uploaded  by  the                                                                   
     insurance company,  fees could be paid by  ACH or credit                                                                   
     card  directly, and  no more  emails or  PDFs to  submit                                                                   
     the application.                                                                                                           
          o Additionally,  this change  will reduce  the work                                                                   
     required by the division to process applications.                                                                          
     •  Section  5, amending  AS  06.20.030(a)  allowing  the                                                                 
     department  to  collect application  investigation  fees                                                                   
     through the NMLS registry.                                                                                                 
        Section  6, amending  AS  06.20.030(b)  allowing  the                                                                 
     department  to  collect  application  fees  through  the                                                                   
     NMLS  registry   as  well  as  bringing   the  licensing                                                                   
     structure for small loan licenses to the modern era.                                                                       
          o The  proposed licensing  structure is similar  to                                                                   
     the  licensing  structure currently  found  in  deferred                                                                   
     deposit advance (DDA or "payday") licensing.                                                                               
          o  This   change  is   not  expected  to   increase                                                                   
     application  fees on  current small  loan licensees  and                                                                   
     will  keep  fees  constant  for  any  DDA  licensee  who                                                                   
     migrates to a small loan license.                                                                                          
        Section  7, repealing  and  reenacting  AS  06.20.090                                                                 
     "Places of  Business" to update the licensing  structure                                                                   
     of small loan licenses.                                                                                                    
         Section   8,   amending   AS   06.20.170   "Periodic                                                                 
     Examinations"  to   change  the  requirement   that  the                                                                   
     department  examine small loan  licensees at least  once                                                                   
     every 18 months  to "as often as necessary  to carry out                                                                   
     the purposes of this chapter."                                                                                             
          o This  change would  reduce the regulatory  burden                                                                   
     and  costs on  licensees  by  allowing the  division  to                                                                   
     examine  based  on  risk  rather   than  being  calendar                                                                   
     driven.                                                                                                                    
          o This  "as needed" examination structure  is found                                                                   
     in mortgage  (AS 06.60), money services (AS  06.55), and                                                                   
     DDA  lending  (AS  06.50);   this  change  would  create                                                                   
     consistency and fairness among programs.                                                                                   
         Section  11,   adding  new   section  AS   06.20.325                                                                 
     "Criminal  Threats"  to prohibit  small  loan  licensees                                                                   
     from threatening  a borrower  with criminal  prosecution                                                                   
     as a result of the borrower's default.                                                                                     
          o This  change would increase consumer  protections                                                                   
     by implementing  language similar  to what is  currently                                                                   
     found in AS 06.50 (DDA or "payday" lending).                                                                               
        Section 12,  adding  new  paragraph to  AS  06.20.900                                                                 
     "Definitions"  defining  "registry"  as  the  Nationwide                                                                   
     Multistate Licensing System (NMLS) and registry.                                                                           
                                                                                                                                
3:52:51 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE SADDLER questioned what Section 4 would cover.                                                                   
                                                                                                                                
3:53:36 PM                                                                                                                    
                                                                                                                                
ROBERT  SCHMIDT,   Director,  Alaska   Division  of   Banking  and                                                              
Securities,  Department   of  Commerce,  Community   and  Economic                                                              
Development, answered  that the division would use  the Nationwide                                                              
Multistate Licensing  System and Registry  (NMLS), and it  is used                                                              
for many  types of  financial and  lending regulations,  including                                                              
mortgages.                                                                                                                      
                                                                                                                                
3:55:22 PM                                                                                                                    
                                                                                                                                
TRACY  RENO, Chief  of Examinations,  Alaska  Division of  Banking                                                              
and   Securities,    Department   of   Commerce,    and   Economic                                                              
Development,  stated  that NMLS  is  already  used in  Alaska  for                                                              
mortgage  lending, and  for small,  short-term loans  in 33  other                                                              
states.                                                                                                                         
                                                                                                                                
3:56:10 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER  expressed concern  about  using NMLS  for                                                              
the purposes outlined in the proposed legislation.                                                                              
                                                                                                                                
3:56:43 PM                                                                                                                    
                                                                                                                                
The committee took an at-ease from 3:56 p.m. to 3:58 p.m.                                                                       
                                                                                                                                
3:58:11 PM                                                                                                                    
                                                                                                                                
VICE CHAIR RUFFRIDGE announced that HB 145 was held over.                                                                       
                                                                                                                                
3:58:43 PM                                                                                                                    
                                                                                                                                
ADJOURNMENT                                                                                                                   
                                                                                                                                
There being  no further business  before the committee,  the House                                                              
Labor and  Commerce Standing  Committee meeting  was adjourned  at                                                              
3:58 p.m.                                                                                                                       
                                                                                                                                

Document Name Date/Time Subjects
SB 123 Sectional Analysis Version B 5.1.23.pdf HL&C 5/5/2023 3:15:00 PM
SB 123
SB 123 Version B.PDF HL&C 5/5/2023 3:15:00 PM
SB 123
SB 123 Support Document CDL Classes & Endorsements 4.12.23.pdf HL&C 5/5/2023 3:15:00 PM
SB 123
SB 123 Support Letters Received as of 5.1.23.pdf HL&C 5/5/2023 3:15:00 PM
SB 123
SB 123 Support Document ELDT Curriculum Summary 03.2021.pdf HL&C 5/5/2023 3:15:00 PM
SB 123
SB 123 Explanation of Changes Version A to B 5.1.23.pdf HL&C 5/5/2023 3:15:00 PM
SB 123
SB 123 Sponsor Statement 4.10.23.pdf HL&C 5/5/2023 3:15:00 PM
SB 123