Legislation: Florida — 2,186 enacted records (OpenStates 2026-07-01)
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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Fabio
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type: "Bill"
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title: "Consumer Protection"
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description: "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."
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jurisdiction: "us/states/fl"
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legislature: "Florida Legislature"
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session: "2023"
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identifier: "HB 1185"
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citation: "Florida HB 1185 (2023)"
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classification: ["bill"]
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subjects: ["and solicitations", "insurance"]
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status: "enacted"
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chapter_law: "2023-130"
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primary_sponsors: ["Giallombardo"]
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version_count: 6
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action_count: 47
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vote_count: 5
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first_action: "2023-02-27"
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last_action: "2023-05-25"
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source: "openstates"
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source_identifier: "ocd-bill/d853e111-77dd-4ee2-8461-7bd87354b3a9"
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source_url: "https://flsenate.gov/Session/Bill/2023/1185/ByCategory"
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source_hash: "1e9219a3394a58d934d80d002ea83c32e6bab7fee44d295c5358bbd8c84be789"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-fl"]
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---
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# Florida HB 1185 (2023) — Consumer Protection
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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.
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**Enacted** — Laws of Florida, Chapter 2023-130.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **H 1185 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2023/1185/BillText/Filed/PDF)
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2. **H 1185 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2023/1185/BillText/c1/PDF)
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3. **H 1185 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2023/1185/BillText/c2/PDF)
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4. **H 1185 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2023/1185/BillText/e1/PDF)
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5. **H 1185 e2** (engrossed) — [source](https://flsenate.gov/Session/Bill/2023/1185/BillText/e2/PDF)
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6. **H 1185 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2023/1185/BillText/er/PDF)
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## Votes
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- Third Reading — **38–0** (pass) · upper
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- Passage — **113–0** (pass) · lower
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- Favorable With Committee Substitute (Commerce Committee) — **19–0** (pass) · lower
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- Passage, Third Reading — **109–0** (pass) · lower
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- Favorable With Committee Substitute (Insurance & Banking Subcommittee) — **18–0** (pass) · lower
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## Sponsors
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- Commerce Committee — primary (organization)
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- Giallombardo — primary (person)
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- Insurance & Banking Subcommittee — primary (organization)
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- Benjamin — cosponsor (person)
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- McClain — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2023-02-27** Filed `filing`
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- **2023-03-06** Referred to Insurance & Banking Subcommittee `referral-committee`
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- **2023-03-06** Referred to State Administration & Technology Appropriations Subcommittee `referral-committee`
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- **2023-03-06** Referred to Commerce Committee `referral-committee`
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- **2023-03-06** Now in Insurance & Banking Subcommittee
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- **2023-03-07** 1st Reading (Original Filed Version) `filing, reading-1`
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- **2023-03-17** Added to Insurance & Banking Subcommittee agenda
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- **2023-03-21** Favorable with CS by Insurance & Banking Subcommittee `committee-passage-favorable`
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- **2023-03-25** Reported out of Insurance & Banking Subcommittee
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- **2023-03-27** Laid on Table under Rule 7.18(a) `deferral`
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- **2023-03-27** CS Filed `filing`
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- **2023-03-27** 1st Reading (Committee Substitute 1) `reading-1`
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- **2023-03-28** Original reference removed: State Administration & Technology Appropriations Subcommittee
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- **2023-03-28** Referred to Commerce Committee `referral-committee`
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- **2023-03-28** Now in Commerce Committee
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- **2023-04-13** Added to Commerce Committee agenda
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- **2023-04-18** Favorable with CS by Commerce Committee `committee-passage-favorable`
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- **2023-04-22** Reported out of Commerce Committee
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- **2023-04-22** Laid on Table under Rule 7.18(a) `deferral`
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- **2023-04-22** CS Filed `filing`
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- **2023-04-24** 1st Reading (Committee Substitute 2) `reading-1`
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- **2023-04-25** Bill referred to House Calendar
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- **2023-04-25** Added to Second Reading Calendar
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- **2023-04-25** Bill added to Special Order Calendar (4/28/2023)
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- **2023-04-28** Read 2nd time `reading-2`
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- **2023-04-28** Amendment 916441 adopted
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- **2023-04-28** Added to Third Reading Calendar
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- **2023-04-28** Read 3rd time `reading-3`
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- **2023-04-28** CS passed as amended; YEAS 109, NAYS 0 `passage`
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- **2023-04-28** In Messages
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- **2023-04-28** Referred to Fiscal Policy `referral-committee`
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- **2023-04-28** Received `enrolled`
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- **2023-05-01** Withdrawn from Fiscal Policy `withdrawal`
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- **2023-05-01** Placed on Calendar, on 2nd reading
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- **2023-05-01** Substituted for CS/CS/SB 1398
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- **2023-05-01** Read 2nd time `reading-2`
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- **2023-05-01** Amendment(s) adopted (868114)
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- **2023-05-01** Read 3rd time `reading-3`
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- **2023-05-01** CS passed as amended; YEAS 38 NAYS 0 `passage`
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- **2023-05-01** In Messages
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- **2023-05-04** Added to Senate Message List
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- **2023-05-04** Amendment 868114 Concur
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- **2023-05-04** CS passed as amended; YEAS 113, NAYS 0 `passage`
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- **2023-05-04** Ordered engrossed, then enrolled `enrolled`
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- **2023-05-16** Signed by Officers and presented to Governor `executive-receipt`
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- **2023-05-24** Approved by Governor `executive-signature`
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- **2023-05-25** Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217)
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d853e111-77dd-4ee2-8461-7bd87354b3a9`. Confidence: reported (aggregated from official Florida legislature records).
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