Legislature(2023 - 2024)BARNES 124

03/08/2023 03:15 PM House LABOR & COMMERCE

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* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
*+ HB 86 MONEY TRANSMISSION; VIRTUAL CURRENCY TELECONFERENCED
Heard & Held
*+ HB 85 PROFESSIONAL LICENSING; TEMP PERMITS TELECONFERENCED
Heard & Held
+ Bills Previously Heard/Scheduled TELECONFERENCED
                    ALASKA STATE LEGISLATURE                                                                                  
          HOUSE LABOR AND COMMERCE STANDING COMMITTEE                                                                         
                         March 8, 2023                                                                                          
                           3:15 p.m.                                                                                            
                                                                                                                                
MEMBERS PRESENT                                                                                                               
                                                                                                                                
Representative Jesse Sumner, Chair                                                                                              
Representative Justin Ruffridge, Vice Chair                                                                                     
Representative Mike Prax                                                                                                        
Representative Dan Saddler                                                                                                      
Representative Stanley Wright                                                                                                   
Representative Ashley Carrick                                                                                                   
Representative Zack Fields                                                                                                      
                                                                                                                                
MEMBERS ABSENT                                                                                                                
                                                                                                                                
All members present                                                                                                             
                                                                                                                                
COMMITTEE CALENDAR                                                                                                            
                                                                                                                                
HOUSE BILL NO. 86                                                                                                               
"An Act relating to the  business of money transmission; relating                                                               
to  money  transmission  licenses,  licensure  requirements,  and                                                               
registration through  the Nationwide Multistate  Licensing System                                                               
and Registry; relating  to the use of virtual  currency for money                                                               
transmission;  relating to  authorized delegates  of a  licensee;                                                               
relating  to acquisition  of control  of a  license; relating  to                                                               
record  retention  and  reporting requirements;  authorizing  the                                                               
Department of  Commerce, Community,  and Economic  Development to                                                               
cooperate  with   other  states   in  the  regulation   of  money                                                               
transmission;  relating to  permissible investments;  relating to                                                               
violations and  enforcement of money transmission  laws; relating                                                               
to  money transmission  license exemptions;  relating to  payroll                                                               
processing  services; repealing  currency exchange  licenses; and                                                               
providing for an effective date."                                                                                               
                                                                                                                                
     - HEARD & HELD                                                                                                             
                                                                                                                                
HOUSE BILL NO. 85                                                                                                               
"An  Act   relating  to   professional  licensing;   relating  to                                                               
temporary  licenses for  some professions;  and providing  for an                                                               
effective date."                                                                                                                
                                                                                                                                
     - HEARD & HELD                                                                                                             
                                                                                                                                
PREVIOUS COMMITTEE ACTION                                                                                                     
                                                                                                                                
BILL: HB  86                                                                                                                  
SHORT TITLE: MONEY TRANSMISSION; VIRTUAL CURRENCY                                                                               
SPONSOR(s): RULES BY REQUEST OF THE GOVERNOR                                                                                    
                                                                                                                                
02/27/23       (H)       READ THE FIRST TIME - REFERRALS                                                                        
02/27/23       (H)       L&C, FIN                                                                                               
03/08/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
                                                                                                                                
BILL: HB  85                                                                                                                  
SHORT TITLE: PROFESSIONAL LICENSING; TEMP PERMITS                                                                               
SPONSOR(s): RULES BY REQUEST OF THE GOVERNOR                                                                                    
                                                                                                                                
02/27/23       (H)       READ THE FIRST TIME - REFERRALS                                                                        
02/27/23       (H)       L&C, FIN                                                                                               
03/08/23       (H)       L&C AT 3:15 PM BARNES 124                                                                              
                                                                                                                                
WITNESS REGISTER                                                                                                              
                                                                                                                                
ROBERT SCHMIDT, Director                                                                                                        
Division of Banking and Securities                                                                                              
Department of Commerce, Community, and Economic Development                                                                     
Anchorage, Alaska                                                                                                               
POSITION STATEMENT:   On  behalf of the  sponsor, House  Rules by                                                             
request of the  governor, introduced HB 86 and  gave a PowerPoint                                                               
presentation,   titled   "Alaska   Uniform   Money   Transmission                                                               
Modernization Act House Bill 86."                                                                                               
                                                                                                                                
SYLVAN ROBB, Director                                                                                                           
Division of Corporations, Business, and Professional Licensing                                                                  
Department of Commerce, Community and Economic Development                                                                      
Juneau, Alaska                                                                                                                  
POSITION STATEMENT:   On  behalf of the  sponsor, House  Rules by                                                             
request of the  governor, introduced HB 85 and  gave a PowerPoint                                                               
presentation, titled "Universal Temporary Licensure."                                                                           
                                                                                                                                
ACTION NARRATIVE                                                                                                              
                                                                                                                                
3:15:54 PM                                                                                                                    
                                                                                                                                
CHAIR JESSE SUMNER  called the House Labor  and Commerce Standing                                                             
Committee  meeting  to  order  at   3:15  p.m.    Representatives                                                               
Carrick,  Fields, Wright,  Saddler,  Ruffridge,  and Sumner  were                                                               
present at  the call  to order.   Representative Prax  arrived as                                                               
the meeting was in progress.                                                                                                    
                                                                                                                                
          HB  86-MONEY TRANSMISSION; VIRTUAL CURRENCY                                                                       
                                                                                                                                
3:16:45 PM                                                                                                                    
                                                                                                                                
CHAIR SUMNER announced that the  first order of business would be                                                               
HOUSE BILL  NO. 86,  "An Act  relating to  the business  of money                                                               
transmission; relating to  money transmission licenses, licensure                                                               
requirements, and registration  through the Nationwide Multistate                                                               
Licensing System  and Registry;  relating to  the use  of virtual                                                               
currency   for  money   transmission;   relating  to   authorized                                                               
delegates of a licensee; relating  to acquisition of control of a                                                               
license;   relating    to   record   retention    and   reporting                                                               
requirements; authorizing the  Department of Commerce, Community,                                                               
and Economic  Development to cooperate  with other states  in the                                                               
regulation  of   money  transmission;  relating   to  permissible                                                               
investments;  relating to  violations  and  enforcement of  money                                                               
transmission  laws;   relating  to  money   transmission  license                                                               
exemptions;  relating to  payroll processing  services; repealing                                                               
currency  exchange  licenses;  and  providing  for  an  effective                                                               
date."                                                                                                                          
                                                                                                                                
3:17:00 PM                                                                                                                    
                                                                                                                                
ROBERT  SCHMIDT, Director,  Division of  Banking and  Securities,                                                               
Department of  Commerce, Community, and Economic  Development, on                                                               
behalf of  the sponsor, House  Rules by request of  the governor,                                                               
introduced  HB  86 and  gave  a  PowerPoint presentation,  titled                                                               
"Alaska Uniform  Money Transmission Modernization Act  House Bill                                                               
86" [hard  copy included in  committee packet].   On slide  2, he                                                               
stated  that  HB 86  would  modernize  the Alaska  Uniform  Money                                                               
Services  Act.   He  gave  a  summary  of  the history  of  money                                                               
transfers.  He  continued to slide 3 and slide  4 and stated that                                                               
the  2008 act  included money  transmitters, currency  exchanges,                                                               
stored  value cards,  traveler's checks,  and money  orders.   He                                                               
gave  the   definition  of  virtual   currency,  also   known  as                                                               
cryptocurrency, and  explained how it  has changed the  way money                                                               
is transferred.                                                                                                                 
                                                                                                                                
3:19:53 PM                                                                                                                    
                                                                                                                                
CHAIR SUMNER  asked why  cryptocurrency is  not considered  to be                                                               
money, as it can be exchanged for goods and services.                                                                           
                                                                                                                                
MR. SCHMIDT  answered that  cryptocurrency is  not backed  by any                                                               
government; a trait commonly used  to determine the definition of                                                               
money.                                                                                                                          
                                                                                                                                
3:21:17 PM                                                                                                                    
                                                                                                                                
MR. SCHMIDT  continued with slide 4  through slide 6.   He stated                                                               
that to have  a medium of exchange outside of  the global banking                                                               
system, cryptocurrencies  were adopted  in 2008 after  the global                                                               
financial crisis.   He  explained that only  a limited  number of                                                               
Bitcoins can  be "mined."   He  stated that there  has been  a 51                                                               
percent increase  in licensed money transmitters  since 2008, and                                                               
the number of money transmission  transactions has increased from                                                               
approximately 10.5 million in 2019 to 31 million in 2022.                                                                       
                                                                                                                                
3:24:04 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER   asked  for   a  definition   of  "money                                                               
transmission transaction."                                                                                                      
                                                                                                                                
MR. SCHMIDT  answered that an  example would be  buying something                                                               
from  someone  and using  Venmo.    In  response to  a  follow-up                                                               
question, he  said that the  same transaction using  cash instead                                                               
of   Venmo  would   not  be   considered  a   money  transmission                                                               
transaction.                                                                                                                    
                                                                                                                                
3:25:34 PM                                                                                                                    
                                                                                                                                
MR. SCHMIDT, in response to  Representative Wright, answered that                                                               
if  someone were  to  travel out  of state  and  use Venmo,  this                                                               
transaction  would be  tracked  by both  states,  as it  involves                                                               
people from both states.                                                                                                        
                                                                                                                                
3:26:25 PM                                                                                                                    
                                                                                                                                
MR.  SCHMIDT, in  response  to  Representative Carrick,  answered                                                               
that  the definition  of "money  transmitter" is  an organization                                                               
that sends money  outside of the banking system.   In response to                                                               
a follow-up question,  he stated that a service such  as Zelle is                                                               
not a  money transmission service  because it  transfers directly                                                               
from bank to bank.                                                                                                              
                                                                                                                                
3:29:13 PM                                                                                                                    
                                                                                                                                
MR. SCHMIDT  continued to slide 7  and stated that the  number of                                                               
cryptocurrency    transactions   in    Alaska   increased    from                                                               
approximately 84,000  in 2019 to  a peak  of over 3.2  million in                                                               
2021.  In 2022, the number was over 1.9 million.                                                                                
                                                                                                                                
3:29:53 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER asked  what a  cryptocurrency transaction                                                               
would look like.                                                                                                                
                                                                                                                                
MR. SCHMIDT  answered that if  two people  agree to buy  and sell                                                               
something using  Bitcoin instead  of cash or  a service,  such as                                                               
Venmo,  this would  be a  cryptocurrency transaction.   He  added                                                               
that  some countries  have weaker  currencies than  the U.S.  and                                                               
sending  and   receiving  money  outside  this   country  may  be                                                               
preferable   using  cryptocurrencies   rather   than  the   local                                                               
currency.                                                                                                                       
                                                                                                                                
3:31:18 PM                                                                                                                    
                                                                                                                                
MR. SCHMIDT  continued slide  7 and stated  that some  people buy                                                               
cryptocurrencies not to  buy goods or services but treat  it as a                                                               
security where  its value may  increase over time.   He continued                                                               
to  slide  8   and  slide  9  and  gave  an   overview  of  money                                                               
transmission volume,  including cryptocurrency.   He  stated that                                                               
in 2021, money  transmission to, from, and  within Alaska reached                                                               
a  high of  over  7.1  billion dollars.    Just  under 2  billion                                                               
dollars  of these  transactions were  made using  cryptocurrency.                                                               
He  stated  that the  amount  of  money transferred  using  these                                                               
services,  not  including  the  cryptocurrency  transactions,  is                                                               
roughly  equal to  the amount  of money  being held  in chartered                                                               
banks within the state.                                                                                                         
                                                                                                                                
3:34:23 PM                                                                                                                    
                                                                                                                                
MR.  SCHMIDT,  in  response  to   Chair  Sumner,  stated  that  a                                                               
breakdown   of  the   specific  cryptocurrencies   used  is   not                                                               
available.                                                                                                                      
                                                                                                                                
3:34:49 PM                                                                                                                    
                                                                                                                                
MR.  SCHMIDT,  in  response  to  a  request  from  Representative                                                               
Saddler for definitions,  explained that "peer to  peer" would be                                                               
buying something  from a  place such  as Facebook  Marketplace; a                                                               
"money  transfer  instrument"  would   be  something  such  as  a                                                               
traveler's cheque; and a "stored  value card" is another name for                                                               
a gift card for a place such as a restaurant.                                                                                   
                                                                                                                                
3:35:57 PM                                                                                                                    
                                                                                                                                
MR.  SCHMIDT,  in  response to  a  question  from  Representative                                                               
Fields concerning the biggest money  transmitters, stated that he                                                               
has been asked not to name these providers.                                                                                     
                                                                                                                                
3:37:09 PM                                                                                                                    
                                                                                                                                
MR.  SCHMIDT continued  to slide  10 and  stated that  there were                                                               
three  major cryptocurrency  bankruptcies  in 2022.   Over  2,000                                                               
accounts  owned by  Alaskans,  worth  approximately $19  million,                                                               
were affected  by the Voyager and  Celsius bankruptcies, although                                                               
no  complaints  were received  by  the  Division of  Banking  and                                                               
Securities.                                                                                                                     
                                                                                                                                
3:38:22 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER asked  if  using  cryptocurrencies as  an                                                               
investment is similar to other forms of currency speculation.                                                                   
                                                                                                                                
MR. SCHMIDT answered that cryptocurrencies  work in much the same                                                               
way,  although  the  volatility of  cryptocurrency  is  generally                                                               
greater than normal currency.                                                                                                   
                                                                                                                                
3:39:53 PM                                                                                                                    
                                                                                                                                
MR. SCHMIDT  continued to  slide 11 through  slide 13  and stated                                                               
that there  is not  yet reliable  data available  on how  the FTX                                                               
bankruptcy affected  Alaskans.  He  stated that HB 86  contains a                                                               
fiscal  note which  would add  five additional  staff members  to                                                               
keep  pace  with  the increasing  number  of  money  transmission                                                               
transactions.   He  stated that  the revenue  generated from  the                                                               
bill will  likely cover the cost  of the fiscal note.   He stated                                                               
that at the  time of the original bill's  passing, services, such                                                               
as PayPal,  were very new and  cryptocurrency did not exist.   He                                                               
highlighted the  need to update  certain aspects of  the original                                                               
bill.                                                                                                                           
                                                                                                                                
MR. SCHMIDT  continued to slide  14 and  stated that HB  86 would                                                               
harmonize Alaska's laws with those  of other states, allowing for                                                               
better coordination  on money transaction  licensing, regulation,                                                               
and  supervision.    In response  to  the  recent  cryptocurrency                                                               
bankruptcies,  he pointed  out the  provision in  the bill  which                                                               
would  provide  that a  buyer  of  a  cryptocurrency, and  not  a                                                               
holding service, owns the cryptocurrency.                                                                                       
                                                                                                                                
3:46:08 PM                                                                                                                    
                                                                                                                                
MR.  SCHMIDT  continued  that  the   proposed  bill  would  bring                                                               
regulations  in   line  with  the  FBI's   requirements  to  have                                                               
automated background  checks.  He  suggested that the  bill would                                                               
strengthen  the  regulations  regarding  those  delegated  to  do                                                               
business on behalf  of a money transmitting  service.  Guidelines                                                               
would be  set for permissible investments  for money transmitters                                                               
and would  allow the  Division of Banking  and Securities  to set                                                               
fees  by regulation,  rather than  statute.   He called  HB 86  a                                                               
model law created with input from the industry and other states.                                                                
                                                                                                                                
3:51:26 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  FIELDS  asked  if   there  were  any  differences                                                               
between  the proposed  legislation and  what has  been passed  in                                                               
other states.                                                                                                                   
                                                                                                                                
MR.  SCHMIDT answered  there would  be  some natural  differences                                                               
because of  the variations in drafting  standards between states.                                                               
He  added  that  he  is  unsure  about  any  changes  being  made                                                               
comprehensively,  although for  example some  minor changes  were                                                               
made in Arizona.                                                                                                                
                                                                                                                                
3:52:51 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE   SADDLER   asked   for  clarification   on   what                                                               
transactions would be covered by the bill.                                                                                      
                                                                                                                                
MR.  SCHMIDT  answered that  transactions  within,  to, and  from                                                               
Alaska would  be covered.   In response to a  follow-up question,                                                               
he  stated that  fees  are collected  from  licenses from  banks,                                                               
payday  lenders,   mortgage  brokers,  money   transmitters,  and                                                               
others.                                                                                                                         
                                                                                                                                
CHAIR SUMNER announced that HB 86 was held over.                                                                                
                                                                                                                                
          HB  85-PROFESSIONAL LICENSING; TEMP PERMITS                                                                       
                                                                                                                                
3:55:51 PM                                                                                                                    
                                                                                                                                
CHAIR SUMNER announced that the  final order of business would be                                                               
HOUSE BILL  NO. 85, "An  Act relating to  professional licensing;                                                               
relating  to   temporary  licenses  for  some   professions;  and                                                               
providing for an effective date."                                                                                               
                                                                                                                                
3:56:31 PM                                                                                                                    
                                                                                                                                
SYLVAN ROBB, Director, Division of Corporations, Business, and                                                                  
Professional  Licensing, Department  of Commerce,  Community, and                                                               
Economic Development,  on behalf of  the sponsor, House  Rules by                                                               
request of the  governor, introduced HB 85 and  gave a PowerPoint                                                               
presentation, titled  "Universal Temporary Licensure"  [hard copy                                                               
included in the  committee packet].  On slide 2  and slide 3, she                                                               
gave a brief overview of  universal temporary licensure (UTL) and                                                               
what  is needed  to  qualify  for it.    She  explained that  the                                                               
proposed  legislation   would  allow  the  department   to  issue                                                               
temporary licenses with similar  requirements to those in Alaska,                                                               
and  this would  be to  individuals with  a license  from another                                                               
jurisdiction  in   the  U.S.  or   Canada.    If  there   are  no                                                               
requirements  for a  license  in a  jurisdiction  and the  person                                                               
demonstrates   the    ability   to   meet    Alaska's   licensure                                                               
requirements, or if  the person has military  service or training                                                               
in the area  of expertise, HB 85 would also  allow the department                                                               
to issue a  temporary license.  This individual  still would need                                                               
any relevant  background checks and  could not have  received any                                                               
disciplinary action related to the license.                                                                                     
                                                                                                                                
4:00:35 PM                                                                                                                    
                                                                                                                                
MS. ROBB continued to slide  4 and stated that temporary licenses                                                               
would be  valid for 180  days, with a possible  180-day extension                                                               
at the  discretion of the  department.  Temporary  licenses would                                                               
not  be  available   for  professions  requiring  Alaska-specific                                                               
knowledge,  such   as  marine  pilots,   big  game   guides,  and                                                               
occupations relating to engineering and architecture.                                                                           
                                                                                                                                
MS.  ROBB  continued  to  slide   5  and  stated  that  temporary                                                               
licensure would help people in  the state to begin working faster                                                               
and help  reduce the  workforce shortage.   She advised  that the                                                               
number of professional  licenses needed in the last  10 years has                                                               
increased 64  percent.  She  said that  the division has  faced a                                                               
workforce shortage  which has increased the  challenges regarding                                                               
issuing  licenses in  a  timely manner,  although  the number  of                                                               
vacancies  in  the division  is  decreasing.   Per  the  proposed                                                               
legislation, for  professionals looking for  permanent licensure,                                                               
the  division would  issue a  temporary license  automatically to                                                               
those  who   meet  the  basic  qualifications,   and  instead  of                                                               
receiving  two applications  for  this  person seeking  permanent                                                               
licensure, the  division would process  only one  application for                                                               
this.  She added that this would help the division's workload.                                                                  
                                                                                                                                
4:05:53 PM                                                                                                                    
                                                                                                                                
MS.  ROBB continued  to  slide  6 through  slide  8  and gave  an                                                               
overview of how UTL would  help, and she explained the difference                                                               
between UTL and  interstate licensure compacts.   She stated that                                                               
the Alaska State  Medical Board and Alaska Board  of Nursing have                                                               
already made temporary licensure a  part of the licensure process                                                               
in Alaska.  She said that  the primary difference between UTL and                                                               
compacts  is UTL  would require  an individual  to meet  Alaska's                                                               
current  requirements, while  compacts would  streamline Alaska's                                                               
requirements with  all other states  in the compact.   She stated                                                               
that there  are currently 18  states that have  enacted temporary                                                               
licensure legislation.                                                                                                          
                                                                                                                                
4:10:16 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  SADDLER  asked  why   there  are  many  different                                                               
licensing  boards  instead of  having  the  division process  all                                                               
licenses.                                                                                                                       
                                                                                                                                
MS.  ROBB  answered  that  the   licensing  boards  help  provide                                                               
expertise to  the division  for each  profession.   The temporary                                                               
licenses  allow  an  individual to  continue  working  while  the                                                               
permanent  license is  reviewed  by  the respective  professional                                                               
board.   In response to a  follow-up question, she said  that the                                                               
biggest time-saving  element in the proposed  legislation is that                                                               
the division  would no longer receive  two different applications                                                               
from every person.                                                                                                              
                                                                                                                                
4:15:17 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE FIELDS commented that  he prefers UTL to licensure                                                               
compacts.   He  expressed the  belief that  this would  encourage                                                               
people to come to Alaska and not leave.                                                                                         
                                                                                                                                
[HB 85 was held over.]                                                                                                          
                                                                                                                                
4:16:17 PM                                                                                                                    
                                                                                                                                
ADJOURNMENT                                                                                                                   
                                                                                                                                
There being no  further business before the  committee, the House                                                               
Labor and  Commerce Standing Committee  meeting was  adjourned at                                                               
4:16 p.m.                                                                                                                       

Document Name Date/Time Subjects
HB086 Transmittal Letter 02.27.23.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
HB086 Sectional Analysis Ver A 02.24.2023.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
HB086 version A.PDF HL&C 3/8/2023 3:15:00 PM
HB 86
HB085 Transmittal Letter 02.23.23.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
HB085 Sectional Analysis 02.27.2023.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
HB085 version A.PDF HL&C 3/8/2023 3:15:00 PM
HB 85
HB086 DCCED-DBS MTMA White Paper 03.08.23.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
HB085 DCCED-CBPL Universal Temporary Licensure Presentation H L&C 03.08.23.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
HB086 DCCED-DBS MTMA Bill Presentation H L&C 03.08.23.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
SB 83HB85 Fresenius Universal Temp License Letter of Support.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
SB 83
HB085 DCCED-CBPL Universal Temporary Licensure White Paper 03.08.23.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
Letter of Support of Universal Temporary Licensure HB 85.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
2023 Letter of Support of Universal Temporary Licensure SB83 HB 85.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
SB 83
AHHA Letter Support HB 85 Temp Licensure.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
TMSRT - Letter on Alaska HB86.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
TMSRT - Letter on Alaska HB86.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
03-08-23 FYI Heather Willis, DDS.pdf HL&C 3/8/2023 3:15:00 PM
Letter of Support HB85 Heather Willis, DDS.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
HB85- Professional Licensing-Temp Permits- Letter of Support from AK Board of Pharmacy.pdf HL&C 3/8/2023 3:15:00 PM
HB 85
MSBA HB86 Support Letter.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
HB86 AKBA UMTM Letter of Support 3.23.2023.pdf HL&C 3/8/2023 3:15:00 PM
HB 86
HB086 CSBS MT Support.pdf HL&C 3/8/2023 3:15:00 PM
HB 86