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CS/CS/HB 1185: Consumer Protection

GENERAL BILL by Commerce Committee ; Insurance & Banking Subcommittee ; Giallombardo ; (CO-INTRODUCERS) Benjamin ; McClain

Consumer Protection; Authorizes mortgage lenders to transact business from branch offices & remote locations; provides requirement for operating remote locations; provides requirements for organizers of crowd-funding campaigns relating to disasters & crowd-funding platforms; prohibits money services business from cashing corporate checks for payee in excess of workers' compensation policy coverage amounts.

Effective Date: 7/1/2023
 Last Action: 5/25/2023 - Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217)
Bill Text: PDF
Senate Committee References:
  1. Fiscal Policy (FP)

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  • Bill History

    Date Chamber Action
    2/27/2023 House • Filed
    3/6/2023 House • Referred to Insurance & Banking Subcommittee
    • Referred to State Administration & Technology Appropriations Subcommittee
    • Referred to Commerce Committee
    • Now in Insurance & Banking Subcommittee
    3/7/2023 House • 1st Reading (Original Filed Version)
    3/17/2023 House • Added to Insurance & Banking Subcommittee agenda
    3/21/2023 House • Favorable with CS by Insurance & Banking Subcommittee
    3/25/2023 House • Reported out of Insurance & Banking Subcommittee
    3/27/2023 House • Laid on Table under Rule 7.18(a)
    • CS Filed
    • 1st Reading (Committee Substitute 1)
    3/28/2023 House • Original reference removed: State Administration & Technology Appropriations Subcommittee
    • Referred to Commerce Committee
    • Now in Commerce Committee
    4/13/2023 House • Added to Commerce Committee agenda
    4/18/2023 House • Favorable with CS by Commerce Committee
    4/22/2023 House • Reported out of Commerce Committee
    • Laid on Table under Rule 7.18(a)
    • CS Filed
    4/24/2023 House • 1st Reading (Committee Substitute 2)
    4/25/2023 House • Bill referred to House Calendar
    • Added to Second Reading Calendar
    • Bill added to Special Order Calendar (4/28/2023)
    4/28/2023 House • Read 2nd time
    • Amendment 916441 adopted
    • Added to Third Reading Calendar
    • Read 3rd time
    • CS passed as amended; YEAS 109, NAYS 0
    4/28/2023 Senate • In Messages
    • Referred to Fiscal Policy
    • Received
    5/1/2023 Senate • Withdrawn from Fiscal Policy -SJ 662
    • Placed on Calendar, on 2nd reading
    • Substituted for CS/CS/SB 1398 -SJ 662
    • Read 2nd time -SJ 662
    • Amendment(s) adopted (868114) -SJ 662
    • Read 3rd time -SJ 662
    • CS passed as amended; YEAS 38 NAYS 0 -SJ 662
    5/1/2023 House • In Messages
    5/4/2023 House • Added to Senate Message List
    • Amendment 868114 Concur
    • CS passed as amended; YEAS 113, NAYS 0
    • Ordered engrossed, then enrolled
    5/16/2023 • Signed by Officers and presented to Governor
    5/24/2023 • Approved by Governor
    5/25/2023 • Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217)

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  • CS/CS/HB 1185, Enrolled (Current Bill Version) Posted 5/4/2023 at 2:25 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1398 (c2) Consumer Protection DiCeglie Similar Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill
    S 418 (er) Insurance Perry Compare Last Action: 6/16/2023 Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130) Track This Bill

    Citations - Statutes (18)

    Citation Catchline Location in Bill Location In Bill Help
    494.001 Definitions. Page 4 (pdf)
    494.0067 Requirements of mortgage lenders. Page 6 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 8 (pdf)
    560.111 Prohibited acts. Page 15 (pdf)
    560.309 Conduct of business. Page 16 (pdf)
    626.602 Insurance agency names; disapproval. Page 16 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 17 (pdf)
    626.875 Office and records. Page 33 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 34 (pdf)
    626.8797 Proof of loss; fraud statement. Page 39 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 40 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 41 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 42 (pdf)
    627.4554 Annuity investments. Page 48 (pdf)
    634.041 Qualifications for license. Page 77 (pdf)
    634.401 Definitions. Page 80 (pdf)
    634.406 Financial requirements. Page 80 (pdf)

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  • CS/CS/HB 1185, Engrossed 2 Posted 5/4/2023 at 1:49 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1398 (c2) Consumer Protection DiCeglie Similar Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill
    S 418 (e1) Insurance Perry Compare Last Action: 6/16/2023 Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130) Track This Bill

    Citations - Statutes (18)

    Citation Catchline Location in Bill Location In Bill Help
    494.001 Definitions. Page 4 (pdf)
    494.0067 Requirements of mortgage lenders. Page 6 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 8 (pdf)
    560.111 Prohibited acts. Page 15 (pdf)
    560.309 Conduct of business. Page 16 (pdf)
    626.602 Insurance agency names; disapproval. Page 16 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 17 (pdf)
    626.875 Office and records. Page 33 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 35 (pdf)
    626.8797 Proof of loss; fraud statement. Page 40 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 40 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 42 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 43 (pdf)
    627.4554 Annuity investments. Page 49 (pdf)
    634.041 Qualifications for license. Page 78 (pdf)
    634.401 Definitions. Page 80 (pdf)
    634.406 Financial requirements. Page 81 (pdf)

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  • CS/CS/HB 1185, Engrossed 1 Posted 4/28/2023 at 8:57 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1398 (c2) Consumer Protection DiCeglie Similar Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill
    S 418 (e1) Insurance Perry Compare Last Action: 6/16/2023 Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130) Track This Bill

    Floor Amendments (1)

    Amendment Sponsor Filed Last Floor Action Format
    868114 - Amendment
    Delete lines 803 - 812.     		Grall 4/29/2023
    9:07 AM     		House: Concur
    5/4/2023     		Web Page
    PDF

    Floor Votes (2)

    Date Chamber Result
    5/1/2023 3:28 PM Senate 38 Yeas - 0 Nays
    5/4/2023 10:33 AM House 113 Yeas - 0 Nays

    Citations - Statutes (19)

    Citation Catchline Location in Bill Location In Bill Help
    494.001 Definitions. Page 4 (pdf)
    494.0067 Requirements of mortgage lenders. Page 6 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 8 (pdf)
    560.111 Prohibited acts. Page 15 (pdf)
    560.309 Conduct of business. Page 16 (pdf)
    626.602 Insurance agency names; disapproval. Page 16 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 17 (pdf)
    626.860 Attorneys at law; exemption. Page 33 (pdf)
    626.875 Office and records. Page 33 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 35 (pdf)
    626.8797 Proof of loss; fraud statement. Page 40 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 40 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 42 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 43 (pdf)
    627.4554 Annuity investments. Page 49 (pdf)
    634.041 Qualifications for license. Page 78 (pdf)
    634.401 Definitions. Page 80 (pdf)
    634.406 Financial requirements. Page 81 (pdf)

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  • CS/CS/HB 1185, Committee Substitute 2 Posted 4/22/2023 at 9:30 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1398 (c2) Consumer Protection DiCeglie Similar Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill
    S 418 (e1) Insurance Perry Compare Last Action: 6/16/2023 Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130) Track This Bill

    Floor Amendments (2)

    Amendment Sponsor Filed Last Floor Action Format
    916441 - Amendment
    Remove lines 1203-1926 and insert:     		Giallombardo 4/25/2023
    5:55 PM     		House: Adopted
    4/28/2023     		PDF
    hierarchy 858271 - Amendment to Amendment (916441)
    Between lines 12 and 13 of the amendment, insert:     		Koster 4/26/2023
    6:41 PM     		House: Withdrawn
    4/27/2023     		PDF

    Floor Votes (1)

    Date Chamber Result
    4/28/2023 3:49 PM House 109 Yeas - 0 Nays

    Citations - Statutes (20)

    Citation Catchline Location in Bill Location In Bill Help
    494.001 Definitions. Page 4 (pdf)
    494.0067 Requirements of mortgage lenders. Page 6 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 8 (pdf)
    560.111 Prohibited acts. Page 15 (pdf)
    560.309 Conduct of business. Page 16 (pdf)
    626.602 Insurance agency names; disapproval. Page 16 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 17 (pdf)
    626.860 Attorneys at law; exemption. Page 33 (pdf)
    626.875 Office and records. Page 33 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 35 (pdf)
    626.8797 Proof of loss; fraud statement. Page 40 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 40 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 42 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 43 (pdf)
    627.4554 Annuity investments. Page 49 (pdf)
    627.70132 Notice of property insurance claim. Page 77 (pdf)
    634.041 Qualifications for license. Page 78 (pdf)
    634.401 Definitions. Page 80 (pdf)
    634.406 Financial requirements. Page 81 (pdf)

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  • CS/HB 1185, Committee Substitute 1 Posted 3/27/2023 at 8:36 AM

    Bill Text:   PDF
    Analyses:   Commerce Committee (Post-Meeting) 4/22/2023 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1398 (c2) Consumer Protection DiCeglie Similar Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill
    S 418 (e1) Insurance Perry Compare Last Action: 6/16/2023 Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130) Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    923275 - Strike All Amendment
    Remove everything after the enacting clause and insert:     		Giallombardo 4/15/2023
    4:21 PM     		Adopted without Objection
    4/18/2023     		PDF

    Citations - Statutes (19)

    Citation Catchline Location in Bill Location In Bill Help
    494.001 Definitions. Page 4 (pdf)
    494.0067 Requirements of mortgage lenders. Page 6 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 8 (pdf)
    560.111 Prohibited acts. Page 15 (pdf)
    560.309 Conduct of business. Page 15 (pdf)
    626.551 Notice of change of address, name. Page 16 (pdf)
    626.602 Insurance agency names; disapproval. Page 16 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 18 (pdf)
    626.860 Attorneys at law; exemption. Page 32 (pdf)
    626.875 Office and records. Page 33 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 35 (pdf)
    626.8797 Proof of loss; fraud statement. Page 39 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 39 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 41 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 44 (pdf)
    627.4554 Annuity investments. Page 47 (pdf)
    634.041 Qualifications for license. Page 76 (pdf)
    634.401 Definitions. Page 78 (pdf)

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  • HB 1185, Original Filed Version Posted 2/27/2023 at 12:42 PM

    Bill Text:   PDF
    Analyses:   Insurance & Banking Subcommittee (Post-Meeting) 5/25/2023 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1398 (c1) Consumer Protection DiCeglie Similar Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    247623 - Strike All Amendment
    Remove everything after the enacting clause and insert:     		Giallombardo 3/20/2023
    9:21 PM     		Adopted without Objection
    3/21/2023     		PDF

    Citations - Statutes (18)

    Citation Catchline Location in Bill Location In Bill Help
    494.001 Definitions. Page 3 (pdf)
    494.0067 Requirements of mortgage lenders. Page 5 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 7 (pdf)
    626.551 Notice of change of address, name. Page 14 (pdf)
    626.602 Insurance agency names; disapproval. Page 15 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 16 (pdf)
    626.860 Attorneys at law; exemption. Page 31 (pdf)
    626.865 Public adjuster’s qualifications, bond. Page 31 (pdf)
    626.875 Office and records. Page 34 (pdf)
    626.8751 Page 36 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 37 (pdf)
    626.8797 Proof of loss; fraud statement. Page 41 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 41 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 43 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 44 (pdf)
    627.4554 Annuity investments. Page 50 (pdf)
    634.041 Qualifications for license. Page 78 (pdf)

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