Senate Bill 1598 (2021) - The Florida Senate

Home > Session > 2021 > Senate Bill 1598

CS/CS/SB 1598: Consumer Protection

GENERAL BILL by Appropriations ; Banking and Insurance ; Gruters

Consumer Protection; Deleting authorization for consumer reporting agencies to charge a fee for reissuing or providing a new unique personal identifier to a consumer; revising a requirement for persons licensed or authorized by the Department of Financial Services or the Office of Insurance Regulation to respond to the department’s Division of Consumer Services regarding consumer complaints; deleting a fee for adjusting firm licenses; authorizing the department to disapprove the use of insurance agency names containing the word “Medicare” or “Medicaid”; revising the timeframes in which an insured or a claimant may cancel a public adjuster’s contract to adjust a claim without penalty or obligation; revising disclosure requirements for certain classes of insurance before being eligible for export under the Surplus Lines Law, etc.

Effective Date: except as otherwise provided
Last Action: 6/17/2021 - Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77)
Bill Text: Web Page | PDF

Senate Committee References:

Banking and Insurance (BI)
Appropriations Subcommittee on Agriculture, Environment, and General Government (AEG)
Appropriations (AP)

View By Bill Version View By Category

Expand All Collapse All

Bill History

Date	Chamber	Action
2/24/2021	Senate	• Filed
3/2/2021	Senate	• Referred to Banking and Insurance; Appropriations Subcommittee on Agriculture, Environment, and General Government; Appropriations -SJ 153 • Introduced -SJ 152
3/11/2021	Senate	• On Committee agenda-- Banking and Insurance, 03/16/21, 9:30 am, 412 Knott Building
3/16/2021	Senate	• CS by Banking and Insurance; YEAS 12 NAYS 0 -SJ 271
3/17/2021	Senate	• Pending reference review under Rule 4.7(2) - (Committee Substitute)
3/18/2021	Senate	• Now in Appropriations Subcommittee on Agriculture, Environment, and General Government • CS by Banking and Insurance read 1st time -SJ 278
3/19/2021	Senate	• On Committee agenda-- Appropriations Subcommittee on Agriculture, Environment, and General Government, 03/24/21, 4:30 pm, 110 Senate Building
3/24/2021	Senate	• Subcommittee Recommendation: CS/CS by Appropriations Subcommittee on Agriculture, Environment, and General Government; YEAS 11 NAYS 0 -SJ 325
3/26/2021	Senate	• Now in Appropriations
4/12/2021	Senate	• On Committee agenda-- Appropriations, 04/15/21, 9:00 am, 412 Knott Building
4/14/2021	Senate	• On Committee agenda-- Appropriations, 04/19/21, 10:00 am, 412 Knott Building
4/15/2021	Senate	• CS/CS by- Appropriations; YEAS 11 NAYS 9 -SJ 472
4/18/2021	Senate	• Pending reference review -under Rule 4.7(2) - (Committee Substitute)
4/19/2021	Senate	• Placed on Calendar, on 2nd reading • Placed on Special Order Calendar, 04/21/21 -SJ 559
4/20/2021	Senate	• CS/CS by Appropriations read 1st time -SJ 484
4/21/2021	Senate	• Read 2nd time -SJ 515 • Amendment(s) failed (332786) -SJ 558 • Placed on 3rd reading
4/22/2021	Senate	• Read 3rd time -SJ 576 • CS passed; YEAS 34 NAYS 3 -SJ 577
4/22/2021	House	• In Messages
4/26/2021	House	• Bill referred to House Calendar • Bill added to Special Order Calendar (4/27/2021) • 1st Reading (Committee Substitute 2)
4/27/2021	House	• Read 2nd time • Placed on 3rd reading • Added to Third Reading Calendar
4/28/2021	House	• Read 3rd time • CS passed; YEAS 114, NAYS 1 • Message sent to senate
4/28/2021	Senate	• Ordered enrolled -SJ 846
6/14/2021		• Signed by Officers and presented to Governor
6/16/2021		• Approved by Governor
6/17/2021		• Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77)

Top of Section Top of Page

CS/CS/SB 1598, Enrolled (Current Bill Version) Posted 4/28/2021 at 6:53 PM

Bill Text:	Web Page \| PDF

Analyses:	None

Related Bills (5)

Bill Number	Subject	Filed By	Relationship	Last Action and Location
H 717 (c2)	Consumer Protection	Clemons, Sr.	Similar	Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
H 305 (c2)	Insurance	Commerce Committee	Compare	Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77), CS/CS/SB 1598 (Ch. 2021-104)
H 471	Legislative Review of Occupational Regulations	Rizo	Compare	Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
S 76 (er)	Insurance	Boyd	Compare	Last Action: 6/14/2021 Chapter No. 2021-77, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
S 344 (c1)	Legislative Review of Occupational Regulations	Diaz	Compare	Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

Citations - Statutes (21)

Citation	Catchline	Location in Bill Location In Bill Help
501.0051	Protected consumer report security freeze.	Page 4 (pdf)
624.307	General powers; duties.	Page 4 (pdf)
624.501	Filing, license, appointment, and miscellaneous fees.	Page 5 (pdf)
626.112	License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents.	Page 5 (pdf)
626.602	Insurance agency names; disapproval.	Page 7 (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 7 (pdf)
626.782	“Industrial class insurer” defined.	Page 8 (pdf)
626.783	“Ordinary-combination class insurer” defined.	Page 8 (pdf)
626.796	Representing another insurer in same industrial debit territory.	Page 8 (pdf)
626.854	“Public adjuster” defined; prohibitions.	Page 8 (pdf)
626.916	Eligibility for export.	Page 11 (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)
626.9953	Qualifications for registration; application required.	Page 15 (pdf)
626.9957	Conduct prohibited; denial, revocation, or suspension of registration.	Page 15 (pdf)
627.062	Rate standards.	Page 16 (pdf)
627.502	“Industrial life insurance” defined; reporting.	Page 16 (pdf)
627.70131	Insurer’s duty to acknowledge communications regarding claims; investigation.	Page 17 (pdf)
627.7142	Homeowner Claims Bill of Rights.	Page 20 (pdf)
631.57	Powers and duties of the association.	Page 24 (pdf)
631.904	Definitions.	Page 26 (pdf)

Top of Section Top of Page

CS/CS/SB 1598, Committee Substitute 2 Posted 4/18/2021 at 2:15 PM

Bill Text:	Web Page \| PDF

Analyses:	Appropriations (Post-Meeting) 4/18/2021 (pdf)

Related Bills (4)

Bill Number	Subject	Filed By	Relationship	Last Action and Location
H 717 (c2)	Consumer Protection	Clemons, Sr.	Similar	Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
H 305 (c2)	Insurance	Commerce Committee	Compare	Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77), CS/CS/SB 1598 (Ch. 2021-104)
H 471	Legislative Review of Occupational Regulations	Rizo	Compare	Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
S 344 (c1)	Legislative Review of Occupational Regulations	Diaz	Compare	Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

Floor Amendments (1)

Amendment	Sponsor	Filed	Last Floor Action	Format
332786 - Amendment Between lines 568 and 569 insert:	Farmer	4/19/2021 7:42 PM	Senate: Failed 4/21/2021	Web Page PDF

Floor Votes (2)

Date	Chamber	Result
4/22/2021 10:12 AM	Senate	34 Yeas - 3 Nays
4/28/2021 1:44 PM	House	114 Yeas - 1 Nays

Citations - Statutes (21)

Citation	Catchline	Location in Bill Location In Bill Help
501.0051	Protected consumer report security freeze.	Page 4 (pdf)
624.307	General powers; duties.	Page 4 (pdf)
624.501	Filing, license, appointment, and miscellaneous fees.	Page 5 (pdf)
626.112	License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents.	Page 5 (pdf)
626.602	Insurance agency names; disapproval.	Page 7 (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 7 (pdf)
626.782	“Industrial class insurer” defined.	Page 8 (pdf)
626.783	“Ordinary-combination class insurer” defined.	Page 8 (pdf)
626.796	Representing another insurer in same industrial debit territory.	Page 8 (pdf)
626.854	“Public adjuster” defined; prohibitions.	Page 8 (pdf)
626.916	Eligibility for export.	Page 11 (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)
626.9953	Qualifications for registration; application required.	Page 15 (pdf)
626.9957	Conduct prohibited; denial, revocation, or suspension of registration.	Page 15 (pdf)
627.062	Rate standards.	Page 16 (pdf)
627.502	“Industrial life insurance” defined; reporting.	Page 16 (pdf)
627.70131	Insurer’s duty to acknowledge communications regarding claims; investigation.	Page 17 (pdf)
627.7142	Homeowner Claims Bill of Rights.	Page 20 (pdf)
631.57	Powers and duties of the association.	Page 24 (pdf)
631.904	Definitions.	Page 26 (pdf)

Top of Section Top of Page

CS/SB 1598, Committee Substitute 1 Posted 3/17/2021 at 3:49 PM

Bill Text:	Web Page \| PDF

Analyses:	Appropriations Subcommittee on Agriculture, Environment, and General Government (Pre-Meeting) 3/23/2021 (pdf) Appropriations Subcommittee on Agriculture, Environment, and General Government (Post-Meeting) 3/26/2021 (pdf) Appropriations (Pre-Meeting) 4/13/2021 (pdf) Appropriations PCS 146092 (Pre-Meeting) 4/13/2021 (pdf)

Related Bills (3)

Bill Number	Subject	Filed By	Relationship	Last Action and Location
H 717 (c1)	Consumer Protection	Clemons, Sr.	Similar	Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
H 471	Legislative Review of Occupational Regulations	Rizo	Compare	Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
S 344 (c1)	Legislative Review of Occupational Regulations	Diaz	Compare	Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

Proposed Committee Substitutes (1)

PCS and Amendments	Sponsor	Filed	Last Committee Action	Format
146092 - Proposed Committee Substitute	Appropriations	3/26/2021 2:23 PM	Replaced by Committee Substitute 4/17/2021	Web Page PDF
205350 - Amendment (146092) Delete lines 303 - 691 and insert:	Appropriations (Gruters)	4/14/2021 9:22 AM	Replaced by Committee Substitute 4/17/2021	Web Page PDF

Committee Amendments (1)

Amendment	Sponsor	Filed	Last Committee Action	Format
917526 - Amendment Delete lines 98 - 799 and insert:	Appropriations Subcommittee on Agriculture, Environment, and General Government (Gruters)	3/23/2021 4:29 PM	Replaced by Committee Substitute 3/24/2021	Web Page PDF

Committee Votes (2)

Date	Committee	Result
3/24/2021 4:30 PM	Appropriations Subcommittee on Agriculture, Environment, and General Government	11 Yeas - 0 Nays
4/15/2021 9:00 AM	Appropriations	View Vote Record

Citations - Statutes (26)

Citation	Catchline	Location in Bill Location In Bill Help
501.0051	Protected consumer report security freeze.	Page 4 (pdf)
624.307	General powers; duties.	Page 4 (pdf)
624.501	Filing, license, appointment, and miscellaneous fees.	Page 5 (pdf)
626.015	Definitions.	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)
626.7315	Prohibition against the unlicensed transaction of general lines insurance.	Page 9 (pdf)
626.782	“Industrial class insurer” defined.	Page 11 (pdf)
626.783	“Ordinary-combination class insurer” defined.	Page 11 (pdf)
626.7845	Prohibition against unlicensed transaction of life insurance.	Page 11 (pdf)
626.796	Representing another insurer in same industrial debit territory.	Page 12 (pdf)
626.8305	Prohibition against the unlicensed transaction of health insurance.	Page 12 (pdf)
626.854	“Public adjuster” defined; prohibitions.	Page 13 (pdf)
626.916	Eligibility for export.	Page 15 (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)
626.9953	Qualifications for registration; application required.	Page 19 (pdf)
626.9957	Conduct prohibited; denial, revocation, or suspension of registration.	Page 19 (pdf)
627.062	Rate standards.	Page 20 (pdf)
627.502	“Industrial life insurance” defined; reporting.	Page 20 (pdf)
627.70131	Insurer’s duty to acknowledge communications regarding claims; investigation.	Page 20 (pdf)
627.7031		Page 24 (pdf)
627.7142	Homeowner Claims Bill of Rights.	Page 24 (pdf)
631.57	Powers and duties of the association.	Page 28 (pdf)
631.904	Definitions.	Page 30 (pdf)

Top of Section Top of Page

SB 1598, Original Filed Version Posted 2/24/2021 at 10:38 AM

Bill Text:	Web Page \| PDF

Analyses:	Banking and Insurance (Pre-Meeting) 3/15/2021 (pdf) Banking and Insurance (Post-Meeting) 3/17/2021 (pdf)

Related Bills (4)

Bill Number	Subject	Filed By	Relationship	Last Action and Location
H 717 (c1)	Consumer Protection	Clemons, Sr.	Similar	Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
H 471	Legislative Review of Occupational Regulations	Rizo	Compare	Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
S 76 (c2)	Property Insurance	Boyd	Compare	Last Action: 6/14/2021 Chapter No. 2021-77, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
S 344	Legislative Review of Occupational Regulations	Diaz	Compare	Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

Committee Amendments (1)

Amendment	Sponsor	Filed	Last Committee Action	Format
621180 - Amendment Between lines 395 and 396 insert:	Banking and Insurance (Brandes)	3/15/2021 9:48 AM	Replaced by Committee Substitute 3/16/2021	Web Page PDF

Committee Votes (1)

Date	Committee	Result
3/16/2021 9:30 AM	Banking and Insurance	12 Yeas - 0 Nays

Citations - Statutes (26)

Citation	Catchline	Location in Bill Location In Bill Help
501.0051	Protected consumer report security freeze.	Page 4 (pdf)
624.307	General powers; duties.	Page 4 (pdf)
624.501	Filing, license, appointment, and miscellaneous fees.	Page 5 (pdf)
626.015	Definitions.	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)
626.7315	Prohibition against the unlicensed transaction of general lines insurance.	Page 9 (pdf)
626.782	“Industrial class insurer” defined.	Page 10 (pdf)
626.783	“Ordinary-combination class insurer” defined.	Page 11 (pdf)
626.7845	Prohibition against unlicensed transaction of life insurance.	Page 11 (pdf)
626.796	Representing another insurer in same industrial debit territory.	Page 12 (pdf)
626.8305	Prohibition against the unlicensed transaction of health insurance.	Page 12 (pdf)
626.854	“Public adjuster” defined; prohibitions.	Page 12 (pdf)
626.916	Eligibility for export.	Page 14 (pdf)
626.9541	Unfair methods of competition and unfair or deceptive acts or practices defined.	Page 15 (pdf)
626.9741	Use of credit reports and credit scores by insurers.	Page 17 (pdf)
626.9953	Qualifications for registration; application required.	Page 18 (pdf)
626.9957	Conduct prohibited; denial, revocation, or suspension of registration.	Page 18 (pdf)
627.062	Rate standards.	Page 19 (pdf)
627.502	“Industrial life insurance” defined; reporting.	Page 19 (pdf)
627.70131	Insurer’s duty to acknowledge communications regarding claims; investigation.	Page 20 (pdf)
627.7031		Page 23 (pdf)
627.7142	Homeowner Claims Bill of Rights.	Page 23 (pdf)
631.57	Powers and duties of the association.	Page 27 (pdf)
631.904	Definitions.	Page 29 (pdf)

Top of Section Top of Page