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Glossary of Legislative Terms

CS/CS/SB 1398: Consumer Protection

GENERAL BILL by Appropriations Committee on Agriculture, Environment, and General Government ; Banking and Insurance ; DiCeglie

Consumer Protection; Defining the term “remote location”; authorizing a licensee under ch. 494, F.S., to allow loan originators to work from remote locations if specified conditions are met; providing requirements for crowd-funding platforms and organizers of crowd-funding campaigns related to and arising out of declared disasters; specifying restrictions on public adjusters contracting their adjuster services after a specified date; revising the definition of the term “hurricane,” and defining the term “hurricane deductible,” as used in policies providing residential coverage; deleting a debt obligation rating requirement for certain service warranty associations or parent corporations, etc.

Effective Date: Except as otherwise expressly provided in this act, this act shall take effect July 1, 2023
 Last Action: 5/1/2023 Senate - 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
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Appropriations Committee on Agriculture, Environment, and General Government (AEG)
  3. Fiscal Policy (FP)

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  • Bill History

    Date Chamber Action
    3/1/2023 Senate • Filed
    3/9/2023 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
    3/14/2023 Senate • Introduced
    3/17/2023 Senate • On Committee agenda-- Banking and Insurance, 03/22/23, 11:00 am, 412 Knott Building
    3/22/2023 Senate • CS by Banking and Insurance; YEAS 10 NAYS 1
    3/24/2023 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Appropriations Committee on Agriculture, Environment, and General Government
    3/28/2023 Senate • CS by Banking and Insurance read 1st time
    4/13/2023 Senate • On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 04/18/23, 12:00 pm, 110 Senate Building
    4/18/2023 Senate • CS/CS by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 14 NAYS 0
    4/20/2023 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Fiscal Policy
    • On Committee agenda-- Fiscal Policy, 04/25/23, 10:00 am, 412 Knott Building
    4/25/2023 Senate • Favorable by- Fiscal Policy; YEAS 20 NAYS 0
    • CS/CS by Appropriations Committee on Agriculture, Environment, and General Government read 1st time
    4/26/2023 Senate • Placed on Calendar, on 2nd reading
    • Placed on Special Order Calendar, 04/28/23
    4/28/2023 Senate • Retained on Special Order Calendar
    5/1/2023 Senate • Read 2nd time -SJ 661
    • Substituted CS/CS/HB 1185 -SJ 661
    • 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

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  • CS/CS/SB 1398, Committee Substitute 2 (Current Bill Version) Posted 4/20/2023 at 5:06 PM

    Bill Text:   Web Page | PDF
    Analyses:   Fiscal Policy (Pre-Meeting) 4/24/2023 (pdf)
    Fiscal Policy (Post-Meeting) 4/26/2023 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1185 (er) Consumer Protection Insurance & Banking Subcommittee Similar Last Action: 5/25/2023 Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) 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

    Floor Amendments (1)

    Amendment Sponsor Filed Last Floor Action Format
    112766 - Amendment
    Delete lines 802 - 811.     		Grall 4/27/2023
    1:34 PM     		Senate: Withdrawn
    5/1/2023     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    4/25/2023 10:00 AM Fiscal Policy 20 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 5 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 7 (pdf)
    560.111 Prohibited acts. Page 13 (pdf)
    560.309 Conduct of business. Page 14 (pdf)
    626.602 Insurance agency names; disapproval. Page 14 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 15 (pdf)
    626.860 Attorneys at law; exemption. Page 28 (pdf)
    626.875 Office and records. Page 29 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 30 (pdf)
    626.8797 Proof of loss; fraud statement. Page 34 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 35 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 36 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 37 (pdf)
    627.4554 Annuity investments. Page 42 (pdf)
    627.70132 Notice of property insurance claim. Page 66 (pdf)
    634.041 Qualifications for license. Page 67 (pdf)
    634.401 Definitions. Page 69 (pdf)
    634.406 Financial requirements. Page 69 (pdf)

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  • CS/SB 1398, Committee Substitute 1 Posted 3/24/2023 at 12:07 PM

    Bill Text:   Web Page | PDF
    Analyses:   Appropriations Committee on Agriculture, Environment, and General Government (Pre-Meeting) 4/20/2023 (pdf)
    Appropriations Committee on Agriculture, Environment, and General Government (Post-Meeting) 4/20/2023 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1185 (c1) Consumer Protection Insurance & Banking Subcommittee Similar Last Action: 5/25/2023 Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) 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
    932278 - Amendment (Delete All)
    Delete everything after the enacting clause and insert:     		Appropriations Committee on Agriculture, Environment, and General Government
    (DiCeglie)     		4/17/2023
    1:28 PM     		Replaced by Committee Substitute
    4/19/2023     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    4/18/2023 12:00 PM Appropriations Committee on Agriculture, Environment, and General Government 14 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 5 (pdf)
    501.2042 Page 6 (pdf)
    520.23 Disclosures required. Page 7 (pdf)
    560.111 Prohibited acts. Page 13 (pdf)
    560.309 Conduct of business. Page 13 (pdf)
    626.551 Notice of change of address, name. Page 14 (pdf)
    626.602 Insurance agency names; disapproval. Page 14 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 15 (pdf)
    626.860 Attorneys at law; exemption. Page 28 (pdf)
    626.875 Office and records. Page 28 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 30 (pdf)
    626.8797 Proof of loss; fraud statement. Page 34 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 34 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 36 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 36 (pdf)
    627.4554 Annuity investments. Page 41 (pdf)
    634.041 Qualifications for license. Page 66 (pdf)
    634.401 Definitions. Page 68 (pdf)
    634.406 Financial requirements. Page 68 (pdf)

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  • SB 1398, Original Filed Version Posted 3/1/2023 at 4:23 PM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 3/21/2023 (pdf)
    Banking and Insurance (Post-Meeting) 3/24/2023 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1185 Consumer Protection Insurance & Banking Subcommittee Similar Last Action: 5/25/2023 Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    533280 - Amendment (Delete All)
    Delete everything after the enacting clause and insert:     		Banking and Insurance
    (DiCeglie)     		3/21/2023
    10:18 AM     		Replaced by Committee Substitute
    3/24/2023     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    3/22/2023 11:00 AM Banking and Insurance 10 Yeas - 1 Nays

    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 5 (pdf)
    520.23 Disclosures required. Page 6 (pdf)
    626.551 Notice of change of address, name. Page 13 (pdf)
    626.602 Insurance agency names; disapproval. Page 13 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 15 (pdf)
    626.860 Attorneys at law; exemption. Page 27 (pdf)
    626.865 Public adjuster’s qualifications, bond. Page 28 (pdf)
    626.875 Office and records. Page 30 (pdf)
    626.8751 Page 32 (pdf)
    626.8796 Public adjuster contracts; fraud statement. Page 32 (pdf)
    626.8797 Proof of loss; fraud statement. Page 36 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 36 (pdf)
    627.4025 Residential coverage and hurricane coverage defined. Page 38 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 38 (pdf)
    627.4554 Annuity investments. Page 43 (pdf)
    634.041 Qualifications for license. Page 68 (pdf)

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