Bill > H0147

This bill updates Florida's laws on consumer debt collection practices, specifically addressing communication methods in the digital age. The primary change focuses on email communication, which is now explicitly exempted from the existing restrictions on contacting debtors between 9:00 p.m. and 8:00 a.m. The Legislature recognizes that email is less invasive and disruptive compared to telephone calls, and therefore proposes to allow email communications during those previously restricted hours. The bill makes a technical amendment to section 559.72 of the Florida Statutes, which outlines prohibited practices in consumer debt collection. Additionally, the bill reenacts several related statutes to incorporate this amendment, ensuring consistency across different sections of law. These related statutes cover areas such as enforcement actions against out-of-state debt collectors, consumer complaints, administrative duties, civil remedies, and various definitions. The changes aim to modernize debt collection regulations to reflect contemporary communication technologies while maintaining protections for consumers. The bill will take effect immediately upon becoming law, providing debt collectors with clear guidance on email communication practices.

Business and Industry, Justice

Commerce Committee (H), Insurance & Banking Subcommittee (H)

https://www.flsenate.gov/Session/Bill/2025/147