CS/CS/HB 1137: Consumer Protection
GENERAL BILL by Commerce Committee ; Insurance and Banking Subcommittee ; Clemons
Consumer Protection; Revises electronic signature provisions for salvage certificates of title; prohibits certain charges for removal of security freeze; prohibits unlicensed activity by adjusting firms & bail bond agents; provides administrative & criminal penalties; revises status, notice, & payment requirements for claims; revises classes of insurance subject to disclosure requirement before eligible for export under Surplus Lines Law; prohibits certain writing of industrial life insurance policies; revises Homeowner Claims Bill of Rights; extends expiration date for authorization of surplus lines agents to export flood coverage contracts or endorsements; removes certain deductible obligation of Florida Insurance Guaranty Association; revises unclaimed property recovery & purchase agreements; requires DFS to adopt rules.
Effective Date: upon becoming a law
Last Action: 3/14/2020 House - Died on Calendar, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63)
Bill Text: PDF
Last Action: 3/14/2020 House - Died on Calendar, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63)
Bill Text: PDF
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Bill History
Date Chamber Action 1/7/2020 House • Filed
1/13/2020 House • Referred to Insurance and Banking Subcommittee; Government Operations and Technology Appropriations Subcommittee; Commerce Committee -HJ 99
1/14/2020 House • Introduced -HJ 99
1/24/2020 House • On Committee agenda-- Insurance and Banking Subcommittee, 01/28/20, 3:30 pm, Sumner Hall
1/28/2020 House • CS by Insurance and Banking Subcommittee; YEAS 12 NAYS 0 -HJ 471
1/29/2020 House • Pending review of CS under Rule 7.18(c)
1/30/2020 House • Now in Government Operations and Technology Appropriations Subcommittee -HJ 470
• CS by Insurance and Banking Subcommittee read 1st time -HJ 469
1/31/2020 House • On Committee agenda-- Government Operations and Technology Appropriations Subcommittee, 02/04/20, 12:00 pm, Morris Hall
2/4/2020 House • Favorable by Government Operations and Technology Appropriations Subcommittee; YEAS 13 NAYS 0 -HJ 505
• Now in Commerce Committee -HJ 505
2/11/2020 House • On Committee agenda-- Commerce Committee, 02/13/20, 9:00 am, Webster Hall
2/13/2020 House • CS/CS by- Commerce Committee; YEAS 23 NAYS 0 -HJ 585
2/18/2020 House • Pending review of CS -under Rule 7.18(c)
• CS/CS by Commerce Committee read 1st time -HJ 584
2/19/2020 House • Placed on Calendar -HJ 627
3/14/2020 House • Indefinitely postponed and withdrawn from consideration
• Died on Calendar, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63)
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CS/CS/HB 1137, Committee Substitute 2 (Current Bill Version) Posted 2/18/2020 at 8:33 AM
Bill Text: PDF Analyses: None Related Bills (6)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1492 (c1) Consumer Protection Wright Similar Last Action: 3/14/2020 S Died on Calendar 
H 359 (c2) Insurance Santiago Compare Last Action: 3/10/2020 H Laid on Table, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63) -HJ 1070
H 707 (c1) Legislative Review of Occupational Regulations Renner Compare Last Action: 3/14/2020 S Died in Governmental Oversight and Accountability, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160)
S 1124 (c1) Occupational Regulatory Programs Diaz Compare Last Action: 3/14/2020 S Died in Appropriations, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160)
S 1334 Financial Services Brandes Compare Last Action: 3/14/2020 S Died in Banking and Insurance, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63)
S 1606 (er) Insurance Administration Perry Compare Last Action: 6/22/2020 Chapter No. 2020-63
Floor Amendments (1)
Amendment Sponsor Filed Last Floor Action Format 685251 - Amendment
Between lines 173 and 174, insert:Rommel 3/4/2020
6:01 PMPDF Citations - Statutes (31)
Citation Catchline Location in Bill Location In Bill Help 319.30 Definitions; dismantling, destruction, change of identity of motor vehicle or mobile home; salvage. Page 6 (pdf) 501.0051 Protected consumer report security freeze. Page 6 (pdf) 624.307 General powers; duties. Page 7 (pdf) 626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 8 (pdf) 626.602 Insurance agency names; disapproval. Page 9 (pdf) 626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 10 (pdf) 626.782 “Industrial class insurer” defined. Page 11 (pdf) 626.783 “Ordinary-combination class insurer” defined. Page 11 (pdf) 626.796 Representing another insurer in same industrial debit territory. Page 11 (pdf) 626.8443 Duration of suspension or revocation. Page 11 (pdf) 626.854 “Public adjuster” defined; prohibitions. Page 12 (pdf) 626.856 “Company employee adjuster” defined. Page 14 (pdf) 626.916 Eligibility for export. Page 14 (pdf) 626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 16 (pdf) 626.9741 Use of credit reports and credit scores by insurers. Page 17 (pdf) 626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 19 (pdf) 627.062 Rate standards. Page 19 (pdf) 627.421 Delivery of policy. Page 19 (pdf) 627.502 “Industrial life insurance” defined; reporting. Page 20 (pdf) 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 18 (pdf) 627.7031 Page 25 (pdf) 627.7142 Homeowner Claims Bill of Rights. Page 25 (pdf) 627.715 Flood insurance. Page 30 (pdf) 631.57 Powers and duties of the association. Page 31 (pdf) 648.30 Licensure and appointment required. Page 33 (pdf) 717.124 Unclaimed property claims. Page 34 (pdf) 717.12404 Claims on behalf of a business entity or trust. Page 39 (pdf) 717.1315 Retention of records by claimant’s representatives and buyers of unclaimed property. Page 40 (pdf) 717.1322 Administrative and civil enforcement. Page 41 (pdf) 717.135 Power of attorney to recover reported property in the custody of the department. Page 42 (pdf) 717.1351 Acquisition of unclaimed property. Page 47 (pdf) -
CS/HB 1137, Committee Substitute 1 Posted 1/29/2020 at 7:03 PM
Bill Text: PDF Analyses: Government Operations and Technology Appropriations Subcommittee (Post-Meeting) 2/4/2020 (pdf)
Commerce Committee (Post-Meeting) 2/17/2020 (pdf)
Related Bills (3)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1492 Consumer Protection Wright Similar Last Action: 3/14/2020 S Died on Calendar
H 707 (c1) Legislative Review of Occupational Regulations Renner Compare Last Action: 3/14/2020 S Died in Governmental Oversight and Accountability, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160)
S 1124 Legislative Review of Occupational Regulations Diaz Compare Last Action: 3/14/2020 S Died in Appropriations, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160)
Committee Amendments (2)
Amendment Sponsor Filed Last Committee Action Format 738959 - Strike All Amendment
Remove everything after the enacting clause and insert:Clemons 2/12/2020
6:52 PMAdopted without Objection
2/13/2020PDF 
220563 - Amendment to Amendment (738959)
Remove lines 167-215 of the amendment and insert:Jenne 2/12/2020
8:31 PMWithdrawn
2/13/2020PDF Citations - Statutes (28)
Citation Catchline Location in Bill Location In Bill Help 501.0051 Protected consumer report security freeze. Page 5 (pdf) 624.307 General powers; duties. Page 5 (pdf) 626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 6 (pdf) 626.602 Insurance agency names; disapproval. Page 8 (pdf) 626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 8 (pdf) 626.782 “Industrial class insurer” defined. Page 9 (pdf) 626.783 “Ordinary-combination class insurer” defined. Page 10 (pdf) 626.796 Representing another insurer in same industrial debit territory. Page 10 (pdf) 626.8443 Duration of suspension or revocation. Page 10 (pdf) 626.854 “Public adjuster” defined; prohibitions. Page 11 (pdf) 626.916 Eligibility for export. Page 12 (pdf) 626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 13 (pdf) 626.9741 Use of credit reports and credit scores by insurers. Page 14 (pdf) 626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 16 (pdf) 627.062 Rate standards. Page 16 (pdf) 627.421 Delivery of policy. Page 17 (pdf) 627.502 “Industrial life insurance” defined; reporting. Page 17 (pdf) 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 18 (pdf) 627.7031 Page 22 (pdf) 627.7142 Homeowner Claims Bill of Rights. Page 23 (pdf) 631.57 Powers and duties of the association. Page 27 (pdf) 648.30 Licensure and appointment required. Page 29 (pdf) 717.124 Unclaimed property claims. Page 30 (pdf) 717.12404 Claims on behalf of a business entity or trust. Page 36 (pdf) 717.1315 Retention of records by claimant’s representatives and buyers of unclaimed property. Page 37 (pdf) 717.1322 Administrative and civil enforcement. Page 37 (pdf) 717.135 Power of attorney to recover reported property in the custody of the department. Page 39 (pdf) 717.1351 Acquisition of unclaimed property. Page 41 (pdf) -
HB 1137, Original Filed Version Posted 1/7/2020 at 3:21 PM
Bill Text: PDF Analyses: Insurance and Banking Subcommittee (Post-Meeting) 1/29/2020 (pdf)
Related Bills (3)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1492 Consumer Protection Wright Identical Last Action: 3/14/2020 S Died on Calendar
H 707 Legislative Review of Occupational Regulations Renner Compare Last Action: 3/14/2020 S Died in Governmental Oversight and Accountability, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160)
S 1124 Legislative Review of Occupational Regulations Diaz Compare Last Action: 3/14/2020 S Died in Appropriations, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160)
Committee Amendments (1)
Amendment Sponsor Filed Last Committee Action Format 678807 - Strike All Amendment
Remove everything after the enacting clause and insert:Clemons 1/27/2020
7:12 PMAdopted without Objection
1/28/2020PDF Citations - Statutes (28)
Citation Catchline Location in Bill Location In Bill Help 501.0051 Protected consumer report security freeze. Page 5 (pdf) 624.307 General powers; duties. Page 5 (pdf) 626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 6 (pdf) 626.602 Insurance agency names; disapproval. Page 8 (pdf) 626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 8 (pdf) 626.782 “Industrial class insurer” defined. Page 9 (pdf) 626.783 “Ordinary-combination class insurer” defined. Page 10 (pdf) 626.796 Representing another insurer in same industrial debit territory. Page 10 (pdf) 626.8443 Duration of suspension or revocation. Page 10 (pdf) 626.854 “Public adjuster” defined; prohibitions. Page 11 (pdf) 626.916 Eligibility for export. Page 12 (pdf) 626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 13 (pdf) 626.9741 Use of credit reports and credit scores by insurers. Page 14 (pdf) 626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 16 (pdf) 627.062 Rate standards. Page 16 (pdf) 627.421 Delivery of policy. Page 17 (pdf) 627.502 “Industrial life insurance” defined; reporting. Page 17 (pdf) 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 18 (pdf) 627.7031 Page 22 (pdf) 627.7142 Homeowner Claims Bill of Rights. Page 23 (pdf) 631.57 Powers and duties of the association. Page 27 (pdf) 648.30 Licensure and appointment required. Page 29 (pdf) 717.124 Unclaimed property claims. Page 30 (pdf) 717.12404 Claims on behalf of a business entity or trust. Page 35 (pdf) 717.1315 Retention of records by claimant’s representatives and buyers of unclaimed property. Page 36 (pdf) 717.1322 Administrative and civil enforcement. Page 37 (pdf) 717.135 Power of attorney to recover reported property in the custody of the department. Page 38 (pdf) 717.1351 Acquisition of unclaimed property. Page 44 (pdf)