The Florida Senate

SB 438: Consumer Finance Charges

GENERAL BILL by Bennett

Consumer Finance Charges; Increasing the proportionate loan amounts that are subject to descending maximum rates of interest; increasing the maximum delinquency charge that may be imposed for each loan payment in default for not less than a specified time; revising the maximum amount that a lender may impose as a service charge on a borrower who gives the lender a bad check in full or partial payment of a loan, etc.

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• Bill History

  Date	Chamber	Action
  10/5/2011	Senate	• Filed
  11/2/2011	Senate	• Referred to Banking and Insurance; Commerce and Tourism; Budget -SJ 40
  12/21/2011	Senate	• On Committee agenda-- Banking and Insurance, 01/09/12, 3:15 pm, 412 Knott Building
  1/9/2012	Senate	• Favorable by Banking and Insurance; YEAS 8 NAYS 0 -SJ 110 • Now in Commerce and Tourism -SJ 110
  1/10/2012	Senate	• Introduced -SJ 40
  2/2/2012	Senate	• On Committee agenda-- Commerce and Tourism, 02/07/12, 1:30 pm, 401 Senate Office Building
  2/7/2012	Senate	• Favorable by Commerce and Tourism; YEAS 4 NAYS 0 -SJ 325 • Now in Budget -SJ 325
  2/8/2012	Senate	• Subreferred to Budget Subcommittee on General Government Appropriations -SJ 349 • Now in Budget Subcommittee on General Government Appropriations
  2/23/2012	Senate	• On Committee agenda-- Budget Subcommittee on General Government Appropriations, 02/28/12, 10:45 am, 401 Senate Office Building
  2/28/2012	Senate	• Favorable by Budget Subcommittee on General Government Appropriations; YEAS 5 NAYS 1 -SJ 721
  2/29/2012	Senate	• Now in Budget -SJ 721
  3/9/2012	Senate	• Died in Budget

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• SB 438, Original Filed Version (Current Bill Version) Posted 10/5/2011 at 8:55 AM

  Bill Text:	Web Page | PDF

  Analyses:	Banking and Insurance (Pre-Meeting) 1/6/2012 (pdf) Banking and Insurance (Post-Meeting) 1/9/2012 (pdf) Commerce and Tourism (Pre-Meeting) 2/6/2012 (pdf) Commerce and Tourism (Post-Meeting) 2/7/2012 (pdf) Budget Subcommittee on General Government Appropriations (Pre-Meeting) 2/27/2012 (pdf) Budget Subcommittee on General Government Appropriations (Post-Meeting) 2/29/2012 (pdf)

  Related Bills (1)

  Bill Number	Subject	Filed By	Relationship	Last Action and Location	Track Bills
  H 275 (c1)	Consumer Finance Charges	Burgin	Similar	Last Action: 3/9/2012 H Died in Economic Affairs Committee Location: In committee/council (EAC)

  Committee Votes (3)

  Date	Committee	Result
  1/9/2012 3:15 PM	Banking and Insurance	8 Yeas - 0 Nays
  2/7/2012 1:30 PM	Commerce and Tourism	4 Yeas - 0 Nays
  2/28/2012 10:45 AM	Budget Subcommittee on General Government Appropriations	5 Yeas - 1 Nays

  Citations - Statutes (2)

  Citation	Catchline	Location in Bill Location In Bill Help
  516.031	Finance charge; maximum rates.	Page 1 (pdf)
  516.19	Penalties.	Page 4 (pdf)

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