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good afternoon everyone welcome to the assembly committee on commerce and labor madam secretary please call the roll assemblywoman carlton here assemblywoman considine present assemblywoman dickman here assemblywoman duran assemblyman flores present assemblyman fryerson here assemblywoman hardy assemblywoman kasama here assemblywoman martinez present assemblywoman marzola here assemblyman o'neill assembly woman tolls here chair howdigy here thank you madam secretary please indicate all committee members are present welcome everyone tuning in over the internet i would like to get started with just our normal housekeeping items please remember all exhibits written testimony and amendments must be submitted by noon on the business day prior to the committee meeting people who wish to provide testimony or attend the meeting virtually must pre-register online at the legislature's website the public is strongly encouraged to submit written testimony in advance of the meeting by emailing the assembly email asmcl asm.state.nv.us zoom chat is reserved for committee business only members please remember to keep your camera on at all times this will ensure that we have a quorum unless you are stepping away for non-committee related business members and presenters please remember to be muted at all times and simply unmute yourself prior to speaking and then promptly mute yourself when you are done thank you everyone and let's begin with our first agenda item our first item on the agenda is an introduction of a committee bill draft bdr 53379 originated with the legislative committee on senior citizens veterans and adults with special needs and was assigned to the assembly committee on commerce and labor for committee introduction the measure addresses that and certifies or provides that certain employees with the right to use sick leave to assist certain family members with medical needs remember that a vote in favor of introducing a bill draft does not imply a commitment to support the measure later pursuant to assembly standing rule 57 sub 7. all this action does is allow the bdr to become a bill and then be referred to a committee for possible hearings i will entertain a motion to introduce bdr 53-379 so moved madam chair i have a first by vice chair carlton do i have a second assemblyman floor a second i have a second by assemblyman floors any discussion on the motion okay seeing none madam secretary will you please call the role assemblywoman carlton yes assemblywoman considine yes assemblywoman dickman yes assemblywoman duran yes assemblyman flores yes assemblyman fryerson assemblywoman hardy yes assemblywoman kazama yes assemblywoman martinez yes assemblywoman marzola yes assemblyman o'neill yes assemblywoman tolls yes chair hadiki yes motion carries thank you madam secretary okay committee members we can now move on to the next item on our agenda which is bill hearings today we will be hearing assembly bill 152 and senate concurrent resolution number one i will be taking them out of order and i will start with opening the bill hearing on scr1 which urges employers in this state to provide personal protective equipment to employees to prevent the spread of kobe bid 19. i believe i have senator harvey here with us welcome to the committee senator hardy when you are ready please you can begin thank you madam chair appreciate your indulgence uh i am grateful for the opportunity to talk to the assembly and particularly commerce and labor committee so thank you for allowing us to do that i had the opportunity to present this in the uh senate and when the testimony was done the entire committee requested to be co-sponsors and that's why we have the co-sponsors all included there this was passed by voice vote because it's a senate concurrent resolution number one as it were uh unanimously off the floor of the senate so it comes to you in that way i appreciate vice chair carlton and all of the members of the committee appreciate being able to talk to you the resolution itself addresses the need for businesses who have want to protect their most valuable asset that is their employees and even though there are debates going on who's supposed to wear a mask for instance who's supposed to do when are they supposed to wear a mask do they really have to the reality is we still have covid19 it still is infectious it still has the ability to make people very sick in fact make people die and so this bill will urge and and hopefully inspire people to continue to be vigilant and to protect their employees and so the the masks have become almost the new socks or the ties and you see people doing different kinds of statements with them you go to the gift shop downstairs and you see the battleborn mask you see the one that i like the best with the state seal and it fits me better than anything else and i've got a lanyard now so it's never far from me and i can put it on and and take it off and not lose it so when you get as old as i am it's good to have something tied to you the face shields are interesting because they're technically speaking their personal protective equipment but you can get them in all shapes and sizes this one i got in truckee during the last special session and they they all make a statement my son-in-law makes one that is cute and i got a son that's made over a thousand that he gives out we have become a culture of face masks and personal protective equipment obviously we're familiar with the hand washing stations at every store that we go into now and uh the construction industry has started off with the n95s and now it's become commonplace to see a good n95 mask wherever you go i will point out also the uh interesting fact that people talk about knotting their face mask and that will allow them to have a tighter fit on the face mask so those are all things that we see and employers will have an opportunity to protect their employees now texas just recently said you don't really need to wear face masks and so what happened when you take off a mandate as it were their people become more comfortable and they say well i don't need to but bottom line is you still have to avoid getting sick you still have to avoid getting other people sick so in texas even though they took off the protocols the mandated protocols general motors toyota target and macy's all said we want to continue to protect our employees so this senate concurrent resolution one is designed to continue and to urge our employers to protect our employees i'd be happy to answer any questions you have and i know we have osha people uh victoria carrion i know is here and uh don't know if you would like to have her speak but shannon um is here with us uh from uh the osha or the the state labor commission uh shannon chambers is here if you would like to hear from her thank you madam chair thank you senator hardy and i did see that they have registered um were they part of the presentation are they just here to answer any questions that committee members may have i think shannon was registered and uh but they are able to answer any questions and they they serve at your pleasure as do i okay thank you and i think we can we can go to the committee committee members um do you have any questions for our presenter or commissioner chambers and we also have the division of industrial relations on the line to answer questions as well okay i don't see anyone with questions senator hardy so we are going to go ahead and move into testimony and support and i do see that i have commissioner chambers signed up to give testimony and support commissioner are you with us hi good afternoon this is shannon chambers nevada labor commissioner um for the record uh madam chair madam vice chair members of the assembly commerce and labor committee shannon chambers testifying in support of senate concurrent resolution number one we will make every effort to communicate this to nevada employers and thank senator hardy for bringing it to the committee thank you commissioner chambers i'm broadcasting can we check the telephone line to see if there's anyone wishing to testify and support to testify in support of scr1 please press star 9 now to take your place in the queue chair there are no callers in support at this time thank you and i don't have anyone signed up to testify in opposition virtually so can we move to the telephone line to see if there's anyone wishing to testify in the opposition yes chair to testify in opposition of scr1 please press star 9 now to take your place in the queue chair there are no callers in opposition at this time thank you broadcasting i do have victoria carrion and just lankford with the division of industrial relations on to testify in neutral we're moving to testimonial neutral miss carrion are you with us yes i am thank you madam chair victoria carrion for the record i'm the administrator of the division of industrial relations and thank you senator hardy for bringing this bill and just to clarify that for the committee our office includes nevada osha as well as the safety consultation and training section and so personal protective equipment is actually already required to be provided by employers under 29 cfr 1910.132a some of the face coverings that senator hardy was showing you don't technically qualify as personal protective equipment however as face coverings our osha guidance that we have distributed as part of the governor's directives does require employers to provide face coverings so our safety consultation and training section does provide information out to employers about safety requirements and we are happy to complement the efforts of this bill by providing information over our email list we have 2500 members of our scats email list that goes out to employers and employees who are interested in safety we also have access to the silver flume database which has over 32 000 businesses on it we also have a monthly class that we do on personal protective equipment that class is totally free it goes for three hours and we're happy to advertise all of those things and all the requirements as a compliment to this bill thank you thank you miss carrion broadcasting can we check the telephone line to see if there's anyone wishing to testify in neutral yes chair to testify in neutral on scr1 please press star 9 now to take your place in the queue chair there are no collars in neutral at this time thank you senator hardy would you like to give any closing remarks thank you madam chair i just appreciate the process that we go through and i recognize that if there's any doubt about protecting your employee or how it is mandated or not mandated i always want the employer to protect the employee and i think that's the critical part of this that we just need to not fail to encourage protection for our employees thank you madam chair thank you senator hardin thank you for joining us i will now close the hearing on scr1 our next bill is ab152 i will open the bill hearing on assembly bill 152 which revises provisions relating to the collection of certain debts i believe we have assembly member krasner here with us welcome to the committee assembly member krasner and i believe you have a presenter jamie cogburn with you as well yes yes that's correct yes thank you madam chair and members of the committee for giving me the opportunity to be here today to introduce ab152 for the record i am assemblywoman lisa krasner representing nevada state assembly district 26. i am here to introduce assembly bill 152 for your consideration assembly bill 152 imposes certain requirements and restrictions that currently apply to collection agencies or persons who engage in certain activities related to the collection of debts on their own behalf here to present the bill is attorney jamie cogburn i do want to say on the record that i have received phone calls from stakeholders and i am willing to work together with all stakeholders after the presentation of the bill to make this the best legislation possible so here to present the bill is attorney jamie cogburg thank you thank you assemblywoman krasner um chair heidegge can i move forward with just presenting yeah sister cogburn when you're ready thank you the the bill the goal of the bill is to level the playing field for consumers not only with debt collection companies but also with original creditors so under federal law and certain state law debt collection companies must follow certain guidelines when they're collecting debts this would expand that law and make where original creditors have to follow the same guidelines for example you can't call somebody's employer and harass them to collect a debt whether you're a debt collector or the original creditor currently uh we're helping a client pro bono that he was laid off during covid he has now got a job back and he's laid on some bills uh throughout that period and he's getting called at his new employer and they're calling him daily and saying hey we need to speak to you about this dad we need to speak to you about this debt and obviously that's causing issues with his employer and he doesn't want to lose his job since he just got a new job after the coven or during this period the other thing it will do is it will require debt buyers to verify information so the best example i can give you a personal one i have a business line of credit that i was renewing a couple of years ago and they run your credit to make sure that everything's still fine and they said hey this thing's coming up on your credit that says you owe a pest control company 120 um i didn't know what they were talking about i finally got a hold of the debt collection company after uh multiple calls and letters and they said oh we have the wrong person um so what the bill will do is require debt buyers to verify the information before they start calling people sending letters and definitely before they start suing or reporting on their credit um the bill also has some built-in protections uh for businesses whether it's original creditors or debt collectors one is if if the claim is brought not in good faith then they can recover attorneys fees and costs the other thing is um it requires consumers if you're gonna if you're applying for credit and something material changes such as your employment or your address then you need to update that creditor um during that application process and with that i would leave it open to any questions or concerns anyone has okay there we go sorry i was still muted thank you mr cockburn and assembly member krasner i am going to open it up to questions from the committee committee members um i'm going to start with assembly member considine thank you madam chair and uh thank you assemblywoman krasner for bringing this bill um i see that there are uh some suggested amendments but my question right now is the the changes to this to this bill will this help protect seniors who are often victims of original creditors debt collect debt collectors fraudulent callers who are continuously harassed for debts they may not even owe madam chair i'm going to allow presenter attorney jamie cogburn to address all questions concerns or comments please thank you thank you simply one consonant to answer your question short for the most part it does um you listed a lot of different things the the one thing that it will do is whether it's a senior or anybody but especially for a senior seniors are have certain exemptions under the law so if their only income is social security and other things like that they're exempt from creditors meaning a creditor can't get a judgment and collect on them because basically those are essentially they came from government funds so those funds are exempt and they can't garnish their wages or not wages but their bank account and things like that um the one thing this bill does not do is stop the the calls that we all get that we don't know where they come from um i i don't know if there's a way to do that on a state level i know the ftc is looking at things but i get a call nearly every day to sign up for solar and i already have solar so i don't know why they keep calling me but and i know have no idea who's calling every time i answer the phone they hang out but if i don't answer i get a message but it does the bill does protect the elderly people that are vulnerable and it also clarifies the law that we already have uh in nevada it basically explicitly states all the things that are not allowed um rather than just referencing the federal statute um so the federal statute originally came out in 1977 and went into effect in 1978 so we're looking at 43 years ago this bill um clarifies all the different techniques and things that have happened over the years that um have created some loopholes thank you very much thank you madam chair you're welcome assemblymember considine and mr cogburn and miss krasner i have had a few requests from the committee so i'm going to ask them is it possible because i know there was the um bill that was introduced and then also an amendment that was provided making changes can you walk us through the amendment yes um sure how do you i can the and i'll i'll just back up one one bit the original bill went into chapter 649 which governs only debt collection companies and the the proposal is to create a whole new chapter because it's very hard to modify that chapter that only applies to debt collection companies because most of that chapter other than two provisions of it are for licensing of debt collection companies um and it would make it would make it very difficult it was unclear and it would make it very onerous for original creditors such as banks or credit card companies and things like that to have to comply with a statute that's really meant for debt collection companies so the amendment was to create its own chapter make it very crystal clear what is allowed what is not debt collection companies will still have their licensing requirements as required under nrs 649 and banking institutions and other financial institutions would still have their same requirements as they always have um it would just create a new chapter that says hey you have to follow certain guidelines when you're collecting a debt which are basically what's in the fair debt collection practice act and could you could you explain to me the difference between a a collection agency and a debt collector yes uh sure how to get that they're kind of in interchangeable debt a debt collector the new definition of the debt collector in in this proposed amendment would be anybody that's collecting the debt that's in default so any if you're late on a credit card statement whether you're the original creditor or a collection company and then but the in practice a debt collector is a company that purely all they do is collect debts so if i have a an account with t-mobile i shut down my phone i don't pay my bill they may ultimately send that to a collection company that will try to collect that debt within that arena there are also what's called debt buyers that um are usually larger companies that buy what they call tranches of debt millions and millions of dollars of bad debt and they try to go collect that so they buy it for pennies on the dollar and try to collect whether it's 10 cents 50 cents whatever it may be on that and that's their business model and that's where the verification process that i spoke about earlier comes into play that debt collectors would now have to verify when they are assigned a collection hey this is the right person we're calling this is the right uh person we're suing and things like that before they report it on their credit or sue them okay so a debt collector would be the the original person who issued the loan as well as anyone who they sold the collection of the debt to that is correct and and under this statute it would be and then uh yeah the original creditor which which grants credit so i apply with bank of america they give me a loan they're the original creditor but if my loan went into default they could be considered a debt collector under this statute if they're trying to collect that debt when it's in default committee members any other questions assembly member tolls thank you chair and by following along with the same lines of of the chair um i appreciated that that clarification um so if i understand you correctly you know we it made the most sense because uh in this case a debt collector could be a bank or um as opposed to a collection agency and so we needed to create its own separate chapter to apply these um regulations around conduct you know to make sure that they were um approaching the individual like the example you said verifying information before contacting them and not harassing them or recording or any of those activities that would be otherwise prohibited for collection agencies um so just want to make sure i understood you correctly what impact does this have to put it under the um you know the deceptive trade practices um versus putting it under let's say a banking chapter or some other um original um debtor chapter assembly woman told us i appreciate that question it's a very good question the the original idea was hey to just original creditors are going to have to follow the same rules when collecting the debt as a debt collector the problem with putting it under the debt collection or collection agency statute is all the all the licensing regulations which the majority of that statute covers there's essentially two provisions under that statute that cover what you can and cannot do and they really just reference the federal law for debt collectors which is the federal debt collection practice act you could put it under a banking statute i assume but then i think you might run into the same issues for debt collection companies they would they would then have to follow certain banking licensing regulations the thought for the deceptive trade practice is under chapter 598 um and i do not have an authority so i apologize the first one is the deceptive trait but then there's 598 a b c and d and i want to say c and d are ones that unfair trade one is a a consumer reporting statute and so they kind of fall in that category of consumer protection statutes and that was my only rationale for putting it there thank you follow-up chair yes assembly member go ahead thank you and i know looking at the amendments that you provided and i printed out a copy of the fair debt collection practices act um and so i know in nrs 649.370 for collection agencies it just refers to the fair debt collection practices act um and i presume that that that makes it easy it's just because if for some reason that gets updated then we automatically presume that gets updated we don't have to keep going back to nrs statute are you hoping to put all of this language which is quite lengthy into a new chapter or will you also just refer [Music] um under the deceptive trade practices the definitions around a debt collector and then just reference that um it will you know meet the the fair debt collection practices act to mirror the language i guess is what i'm looking for yes the answer is both so there is a provision that and i apologize i did not have it directly in front of me that does say hey we're referencing the federal debt federal fair debt collection practice act um but the fair the fair debt collection practice act was drafted back in 1977 so there has not been a lot of changes or amendments i think the last amendment was in 2009 if i remember correctly in 2010 2010 and so what i did was i took a lot of the provisions from the fair debt collection practice act and then ultimately took some provisions from other states that have have passed a similar law that just clear and make it a little bit clearer um to be updated with technology and other things where for example the fair debt collection practice act because it's a federal statute in if you're in the second circuit court they may say hey we interpret it this way because stuff is unclear if you're in the ninth circuit we may interpret this way so this would clarify that make it clear this is what the the rules are for nevada and um these are the protections allowed in nevada the the other thing that the fair debt collection practice act does not have that this one does have is the the debt buyer provision where they have to verify the debt so that is that is actually not from uh the fair debt collection practice act much of those provisions are from uh case law that has come out of the fair debt collection practice act and from other states that have passed similar laws and then i believe assembly member duran had a question he just answered my question it was concerning uh verifying the person if it was um who that person may be there may be five b durans in there so they kind of have to go after the the right one but can i have a follow-up question though with that so if they have the wrong person how do they how does that person clear her name or get off that election or their credit it ruins their credit score how would they how would that happen how would that be best with this thank you assemblywoman duran they would go through the process of they would dispute the debt with the collection company and they can dispute the debt with the credit bureaus that it's reporting on so if they have proof that um it's not theirs the example i gave earlier was i had a collection from a pest control company that i i haven't used i sent them proof um little did i know there was another jamie cogburn out there that they were reporting this on but i guess they were and they removed it sometimes that can be harder than other times there's no doubt about that but the the hope is of the bill is that up front the original creditor if they assign it to a debt collection company has to provide the verification paperwork um and things like that so all that stuff can be verified and you hope that you won't have very many of these problems so you're trying to eliminate the problem before it actually occurs is really the hope of it thank you and assembly vice chair carlton thank you madam chair so i just want to make sure that i understand um one of the terms that's actually included in the amendment it's uh under the definition of consumer debt and consumer credit um a consumer credit transaction so what is that transaction and i'll just let you know what i'm getting at is does this apply to landlords wow you stumped me vice chair carlton get one thank you madam chair i'm out um the the definition as it stand it that is a good question and it probably needs some clarification a consumer credit transaction would be for anything that is consumer related including mortgage debt um i i honestly did not think about landlord tenant in that aspect but the way the bill is written i think it would um so it could be defined meaning obviously in a landlord-tenant situation many times there's an eviction process but if they were to try to collect the remaining debt outside of the eviction they would still have to abide by these laws but it's meant to cover any consumer transaction so it would not cover i work at a law firm it would not cover if my law firm defaulted on a copy or purchase but it would if if it was a personal computer that i bought for myself and i didn't pay the bill and ultimately went into collections i hope that answers the question and thank thank you mr cogburn when i saw a mortgage it peaked my curiosity so um and we've all heard stories of what's going on so i'm just curious if this would apply thank you very much thank you vice chair carlton and i i just had a quick question just just for my knowledge mr cogburn if we go to sex believe it is section 34 where it's referencing um the statue of limitations expiring what is the statue of limitations how long is that period chair heidegger it is one year from the date of the violation so that mirrors the federal law um other states have expanded that to three years um but as it stands under federal law it's one year from the violation committee members any other questions okay assemblymember tolls thank you for the the final follow-up i just think um perhaps it would be helpful in distinguishing which parts of the amendment come from the um fair debt collection practices act and which ones come from court cases and which ones come from other states could you perhaps put together put that into a table or a chart for us so that we can distinguish what are we adding from federal law versus what are we adding from other you know model language and um and then the last piece that i didn't really get to is what are we excluding you mentioned licensing as one of the reasons why we're putting this over in um deceptive trade practices versus under the debt um debt collection chapter are there anything is there anything else that we're excluding so like the licensing requirements and other regulations that we don't want to apply to this category and you don't have to answer that here i just think perhaps some follow-up that um all of us could benefit from that analysis would help us break down this this lengthy amendment thank you thank you and mr cogberg if you put um that together if you could please just provide it to our committee manager so that she can make sure that everyone on the committee gets it yes chair committee members last call any further questions okay i'm going to move into testimony and support i believe i have peter aldis signed up to provide testimony and support doesn't look like he's on broadcasting can we move to the telephone line yes chair to testify in support of av 152 please press star nine now to take your place in the queue caller with the last three digits of one 193 please slowly state and spell your name for the record you'll have two minutes and may begin again color with the last three digits of one nine three please slowly state and spell your name for the record you'll have to two minutes it may begin you can press star six to unmute can you hear me yes we can hello oh wonderful thank you uh good afternoon my name is peter alves b-e-t-e-r-a-l-d-o-u-s thank you madam chair and members of the committee for this opportunity i'm a staff attorney at legal aid center of southern nevada and i specialize in bankruptcy and debt collection i support ab152 both as originally introduced and with the proposed amendments and i am grateful for the opportunity to testify on this legislation debt and debt collection are frequently discussed in moral terms the thinking is that those who borrow money but later cannot repay it are dishonest or fraudulent my experience has been the opposite clients come to me ashamed and stressed out because they've done everything in their power to repay their debt i'm their last resort not their first stop debt collectors whether third-party or working directly for the creditor have made my clients lives unbearable because they use a broad range of manipulative tactics to extract what little my clients have left ab152 does not outlaw debt collection it merely imposes uniform guidelines on debt collectors to ensure they maintain a minimum level of respect for the debtor they're trying to collect from it also standardizes the requirement that all debt collectors be accountable for the accuracy of the information they use when collecting debt a seemingly minor error in the identity of a debtor or the amount of a debt can cause extreme stress in the person the debt collector is attempting to collect the debt from and it's vital that there be a straightforward way for disputes to be resolved quickly the events of the past year thrust thousands of nevadans into financial uncertainty through no fault of their own with businesses closed or restricted and unemployment surging incomes have dropped precipitously despite the best efforts of dieter unemployment assistance came too late or not at all for many nevadans and basic necessities like food and housing have been unaffordable for many were previously financially secure it will take years for the after effects of the covid19 pandemic to shake out and a complete recovery will take even longer the incredible stress so many nevadans have been living with will continue as they try to rebuild their financial lives and the stress of abusive debt collection will slow that recovery and compound the emotional toll no one chose to lose their job or reduce their income due to covid and its related shutdowns and no one should suffer abuse at the han s of debt collectors because their finances were destroyed by forces outside their control the copa 19 pandemic isn't the only source of involuntary crippling debt the vast majority of medical debts are not incurred by choice when a client comes to me because they can't afford their medical debts they haven't been irresponsible they've had bad luck their treatments frequently come at astronomical costs with no regard for their ability to repay the debt the added stress that comes with medical debt makes recovery harder both physically and emotionally without fundamental changes to the economics of health care medical debt will continue to harm nevadans and this bill will help protect those who are suffering the most we appreciate you calling to testify and support it sounds like you had you have um remarks that you have written down if you would provide those to our committee manager that way she can make sure to share them with the committee i will do that thank you broadcasting do we have anyone else on the telephone signed up to testify in support care there are no more callers in support at this time thank you can we check the telephone line for those who are wishing to testify in opposition yes chair to testify in opposition of ab152 please press star nine now to take your place in the queue again to testify in opposition of ab152 please press star 9 now to take your place in the queue chair there are no callers in opposition at this time okay thank you i don't see anyone signed up to testify in neutral virtually can we check the telephone line see if there's anyone wishing to testify in the neutral position yesterday to testify in neutral of ab152 please press star nine now to take your place in the queue again if you wish to testify in neutral of ab152 press star 9 now to take your place in the queue caller with the last three digits of 626 please slowly state and spell your name for the record you'll have two minutes and they begin good afternoon chairs and member for the record my name is rob wilson r-o-b w-i-l-s-o-n for the nevada credit union league just wanted brucey thank the author for willingness to meet with all stakeholders and sponsors of the nevada credit union league uh slightly concerned there may be some unintended consequences with the proposed language how it may impact our current federal and state statutes regulations that our credit unions must follow we very much look forward to reviewing the language with our members and sharing that feedback with the author and the committee uh just by way of uh mentioning nevada credit unions have gone out of their way to help their members through this pandemic by offering forbearances on mortgages working with members on credit card and auto loans and we really appreciate the opportunity to testify on this bill today thank you thank you mr wilson broadcasting do we have any other callers on the line wishing to testify in neutral yes sure caller with the last three digits of eight zero two please slowly state and spell your name for the record you'll have two minutes and they begin good afternoon tim myers with the nevada collectors association it's t-i-m-m-y-e-r-s can you hear me yes we can mr myers thank you good afternoon chair members of the committee i consider this an honor as it is the first time in my 55 years of life that i've got to participate in legislation i'm speaking today in the capacity of president of the nevada collectors association nevada cultures association is comprised of about 30 licensed collection agencies all located within the state of nevada we are not debt buyers we are completely different than a debt buyer but rather professionally licensed brick-and-mortar agencies who employ nevadans who are consumers who are voters and work on behalf of nevada businesses i want to thank assemblyman assembly woman krasner for the sponsor and for the sponsors for agreeing to work with our industry on this bill this month this morning we received 11 pages of new language so we're reviewing the giraffe language and determine how it might impact our industry we feel there also is some concern with the language and how it's written because of this we are currently neutral on the bill and have pledged to work closely with assembly women krasner to address any concerns we may have we would like some time to do so again i want to thank the chair the community to speak today i would like to also express we too were personally hit by covid we were completely shut down march 17th and told not to collect by our governor which hurt all of our employees we laid off 47 employees who all have debt and have to pay their bills and went on unemployment so it does directly affect us as well so when you come after 649 and you go debt collections and credit debt or debtors and you're going after the consumers one major concern would be would as licensed collection agencies were regulated by the fid and we've paid for license to have to do the same in order to be regulated under this law that's one of the concerns and and then just there's others that we would just like i said we'd like to have friends thank you so much thank you for calling in for being a part of the process and i'd just like to remind everyone on the line that neutral means you're not taking a position on the the bill you're not neither opposing it or supporting it um as well thank you for calling in though mr myers and we appreciate you being a part of the process and if you do have written remarks please feel free to share them with our committee manager thank you very much broadcasting can we check the telephone line to see if there's anyone else signed up pestify in neutral yes sure well the caller with the last three digits of seven two five please slowly state and spell your name for the record you'll have two minutes and they begin good afternoon madam chair members of the committee for the record this is andrew mckay i'm the executive director of the nevada franchise auto dealers association um briefly uh the reason why we are speaking to you in a neutral position uh with respect to ab152 as drafted uh we were perfectly fine with and then it was brought to my attention and in full transparency haven't had the the complete time to digest all of the language in the proposed amendment uh but it is our understanding that there could be um uh some consequences where we may be caught up in that i don't know if that's the case or not but i would be remiss assemblywoman krasner did reach out to me and we're going to work on it and make sure if there's any unattended consequences with respect to our member dealers that we will we will address those so appreciate the committee's time and indulgence and again thank you to the assembly woman for reaching out to me thank you mr mckay broadcasting can we check the telephone line yes sharon call her with the last three digits of one three one please slowly state and spell your name for the record you'll have two minutes and we begin madam chair members of the committee my name is connor kane c-o-n-n-o-r-c-a-i-n and i'm testifying in neutral today on behalf of the nevada bankers association um i'll try try not to be repetitive but but i do want to echo uh robert with uh the credit unions and just say that during the pandemic i think the banks are really proud of the work they've done to assist their customers and communities uh they've also been waiving fees and penalties deferring loan payments offering mortgage forbearances um participating in in the federal ppp program where they have been lending their own money uh to help keep keep business and businesses in nevada afloat i i also would like to say that uh and thank the bill sponsor we've had a number of conversations with about av-152 and she's been willing to work through some of the technical questions that we have on our end banks are highly regulated subject to federal state oversight that is specific to depository institutions for example multiple multiple regulatory agencies including the occ fdic and cfpb monitor the performance of banks with respect to all aspects of their operations including debt collection and their collection activities are subject to similar prohibitions on unfair deceptive and abusive acts and practices under the federal udap law our technical questions are centered around ensuring ab-152 doesn't create any conflicts or confusion for banks between state and federal law similar to what what robert mentioned and we're hopeful that the sponsor again based on some of our recent conversations will help us uh achieve that critical clarity um i i do want to say all that being said you know we have not been contacted to this point by the proponents um and we're only alerted to the lengthy amendment um last night which really didn't give us much time to to review what we were going to discuss today and given that these changes are highly technical we would really really really appreciate improved communication moving forward thank thank you mr carter broadcasting can we check the telephone line chair there are no more callers for neutral at this time thank you broadcast assembly member krasner would you like to give any closing remarks and mr cogburn no thank you madam chair okay thank you i will now close the hearing on assembly bill 152. members the last item on our agenda is public comment while i give those listening over the internet time to call into voice public comment i'm just gonna do some quick public comment housekeeping i would like to remind those present and listening that the period for public comment is an opportunity to discuss general matters that fall within the purview of this committee the public has already been given time to support or oppose specific legislation we open and close hearings on bills so that we establish a record of the public testimony on that bill therefore public comment is not intended to be a continuation of a bill hearing let me i'd like to remind everyone that we may limit public comment to two minutes and please remember to please be respectful of committee members and other witnesses do not comment on testimony provided by other speakers and do not make personal attacks and you may always submit written remarks or inclusion in the meeting record broadcasting do we have anyone on the line for public comments to take your place in public comment please press star nine now to join the queue chair the public line is open and working however there are no callers at this time thank you thank you committee members our next meeting will be on monday at 1 30 and that concludes our meeting for today we are adjourned