---
type: "Bill"
title: "Consumer Finance"
description: "Consumer Finance"
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2018"
identifier: "SB 386"
citation: "Florida SB 386 (2018)"
classification: ["bill"]
subjects: ["consumer loans"]
status: "enacted"
chapter_law: "2018-17"
primary_sponsors: ["Garcia"]
version_count: 3
action_count: 32
vote_count: 5
first_action: "2017-10-02"
last_action: "2018-03-21"
source: "openstates"
source_identifier: "ocd-bill/794ee430-d1a7-4781-b13d-ced552d17b21"
source_url: "http://flsenate.gov/Session/Bill/2018/00386/ByCategory"
source_hash: "3b6385cf9b67997a856f4b8cbf06ef18b4c0aa0d028401f9d53af2e16b54bc45"
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 SB 386 (2018) — Consumer Finance

**Enacted** — Laws of Florida, Chapter 2018-17.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **S 386 Filed** (filed) — [source](http://flsenate.gov/Session/Bill/2018/386/BillText/Filed/HTML)
2. **S 386 c1** (committee substitute) — [source](http://flsenate.gov/Session/Bill/2018/386/BillText/c1/HTML)
3. **S 386 er** (enrolled) — [source](http://flsenate.gov/Session/Bill/2018/386/BillText/er/HTML)

## Votes

- Favorable — **8–0** (pass) · upper
- Favorable — **11–0** (pass) · upper
- Third Reading — **35–0** (pass) · upper
- Favorable with Committee Substitute — **9–0** (pass) · upper
- Passage, Third Reading — **117–0** (pass) · lower

## Sponsors

- Garcia — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2017-10-02** Filed `filing`
- **2017-10-25** Referred to Banking and Insurance; Commerce and Tourism; Rules `referral-committee`
- **2017-11-27** On Committee agenda-- Banking and Insurance, 12/05/17, 10:00 am, 110 Senate Office Building
- **2017-12-05** CS by Banking and Insurance; YEAS 9 NAYS 0
- **2017-12-05** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2017-12-13** Now in Commerce and Tourism
- **2018-01-09** Introduced `introduction`
- **2018-01-09** CS by Banking and Insurance read 1st time
- **2018-01-11** On Committee agenda-- Commerce and Tourism, 01/16/18, 1:30 pm, 110 Senate Office Building
- **2018-01-16** Favorable by Commerce and Tourism; YEAS 8 NAYS 0 `committee-passage-favorable`
- **2018-01-17** Now in Rules
- **2018-02-02** On Committee agenda-- Rules, 02/07/18, 4:00 pm, 110 Senate Office Building
- **2018-02-07** Favorable by- Rules; YEAS 11 NAYS 0 `committee-passage-favorable`
- **2018-02-07** Placed on Calendar, on 2nd reading
- **2018-02-19** Placed on Special Order Calendar, 02/21/18
- **2018-02-21** Read 2nd time `reading-2`
- **2018-02-21** Placed on 3rd reading
- **2018-02-27** Read 3rd time `reading-3`
- **2018-02-27** CS passed; YEAS 35 NAYS 0 `passage`
- **2018-02-27** In Messages
- **2018-03-05** Referred to Calendar `referral-committee`
- **2018-03-05** Placed on Special Order Calendar, 03/06/18
- **2018-03-05** Received
- **2018-03-06** Read 2nd time `reading-2`
- **2018-03-06** Substituted for CS/HB 239
- **2018-03-06** Placed on 3rd reading
- **2018-03-07** Read 3rd time `reading-3`
- **2018-03-07** CS passed; YEAS 117 NAYS 0 `passage`
- **2018-03-07** Ordered enrolled
- **2018-03-12** Signed by Officers and presented to Governor
- **2018-03-19** Approved by Governor `executive-signature`
- **2018-03-21** Chapter No. 2018-17

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/794ee430-d1a7-4781-b13d-ced552d17b21`. Confidence: reported (aggregated from official Florida legislature records).