Legislation: Florida — 2,186 enacted records (OpenStates 2026-07-01)

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/fl/2024/hb-1347.md

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+---
+type: "Bill"
+title: "Consumer Finance Loans"
+description: "Consumer Finance Loans; Prohibits person from operating branch of business making consumer finance loans before obtaining license; revises maximum interest rates on consumer finance loans; revises minimum amount of time before delinquency charge may be imposed; requires licensees offering assistance program to borrowers after federally declared major disaster to send notice to office; requires licensees to offer to borrowers credit education programs or seminars; provides requirements for licensee claiming submitted information contains trade secret; requires licensees to suspend actions for certain timeframe after federally declared disaster."
+jurisdiction: "us/states/fl"
+legislature: "Florida Legislature"
+session: "2024"
+identifier: "HB 1347"
+citation: "Florida HB 1347 (2024)"
+classification: ["bill"]
+subjects: ["and solicitations"]
+status: "enacted"
+chapter_law: "2024-276"
+primary_sponsors: ["Brackett"]
+version_count: 3
+action_count: 42
+vote_count: 2
+first_action: "2024-01-05"
+last_action: "2024-07-01"
+source: "openstates"
+source_identifier: "ocd-bill/0b3fde77-9c9e-4e77-b176-1654377c7415"
+source_url: "https://flsenate.gov/Session/Bill/2024/1347/ByCategory"
+source_hash: "415006e616e542738fc7f330ce25636c8a8b33d8c6198cfc84a69010370ca8a3"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-fl"]
+---
+
+# Florida HB 1347 (2024) — Consumer Finance Loans
+
+Consumer Finance Loans; Prohibits person from operating branch of business making consumer finance loans before obtaining license; revises maximum interest rates on consumer finance loans; revises minimum amount of time before delinquency charge may be imposed; requires licensees offering assistance program to borrowers after federally declared major disaster to send notice to office; requires licensees to offer to borrowers credit education programs or seminars; provides requirements for licensee claiming submitted information contains trade secret; requires licensees to suspend actions for certain timeframe after federally declared disaster.
+
+**Enacted** — Laws of Florida, Chapter 2024-276.
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **H 1347 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2024/1347/BillText/Filed/PDF)
+2. **H 1347 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2024/1347/BillText/c1/PDF)
+3. **H 1347 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2024/1347/BillText/er/PDF)
+
+## Votes
+
+- Passage, Third Reading — **104–10** (pass) · lower
+- Third Reading — **21–18** (pass) · upper
+
+## Sponsors
+
+- Brackett — primary (person)
+- Commerce Committee — primary (organization)
+- López, J. — cosponsor (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2024-01-05** Filed `filing`
+- **2024-01-09** 1st Reading (Original Filed Version) `filing, reading-1`
+- **2024-01-13** Referred to Insurance & Banking Subcommittee `referral-committee`
+- **2024-01-13** Referred to State Administration & Technology Appropriations Subcommittee `referral-committee`
+- **2024-01-13** Referred to Commerce Committee `referral-committee`
+- **2024-01-13** Now in Insurance & Banking Subcommittee
+- **2024-01-23** Added to Insurance & Banking Subcommittee agenda
+- **2024-01-25** Favorable by Insurance & Banking Subcommittee `committee-passage-favorable`
+- **2024-01-26** Reported out of Insurance & Banking Subcommittee
+- **2024-01-26** Now in State Administration & Technology Appropriations Subcommittee
+- **2024-02-02** Added to State Administration & Technology Appropriations Subcommittee agenda
+- **2024-02-06** Favorable by State Administration & Technology Appropriations Subcommittee `committee-passage-favorable`
+- **2024-02-06** Reported out of State Administration & Technology Appropriations Subcommittee
+- **2024-02-06** Now in Commerce Committee
+- **2024-02-13** Added to Commerce Committee agenda
+- **2024-02-15** Favorable with CS by Commerce Committee `committee-passage-favorable`
+- **2024-02-16** Reported out of Commerce Committee
+- **2024-02-16** Laid on Table under Rule 7.18(a) `deferral`
+- **2024-02-16** CS Filed `filing`
+- **2024-02-19** Bill referred to House Calendar
+- **2024-02-19** 1st Reading (Committee Substitute 1) `reading-1`
+- **2024-02-19** Added to Second Reading Calendar
+- **2024-02-27** Bill added to Special Order Calendar (3/1/2024)
+- **2024-03-01** Read 2nd time `reading-2`
+- **2024-03-01** Placed on 3rd reading `reading-3`
+- **2024-03-01** Added to Third Reading Calendar
+- **2024-03-04** Read 3rd time `reading-3`
+- **2024-03-04** CS passed; YEAS 104, NAYS 10 `passage`
+- **2024-03-04** In Messages
+- **2024-03-04** Referred to Fiscal Policy `referral-committee`
+- **2024-03-04** Withdrawn from Fiscal Policy `withdrawal`
+- **2024-03-04** Placed on Calendar, on 2nd reading
+- **2024-03-04** Substituted for CS/SB 1436
+- **2024-03-04** Received `enrolled`
+- **2024-03-04** Read 2nd time -SJ 647, 652 `reading-2`
+- **2024-03-04** Read 3rd time `reading-3`
+- **2024-03-04** CS passed; YEAS 21 NAYS 18 `passage`
+- **2024-03-04** In Messages
+- **2024-03-04** Ordered enrolled `enrolled`
+- **2024-06-17** Signed by Officers and presented to Governor `executive-receipt`
+- **2024-06-28** Approved by Governor `executive-signature`
+- **2024-07-01** Chapter No. 2024-276
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/0b3fde77-9c9e-4e77-b176-1654377c7415`. Confidence: reported (aggregated from official Florida legislature records).
+