---
type: "Bill"
title: "Financial Institutions"
description: "Financial Institutions; Providing that the failure of foreign nationals to participate through video conference in certain hearings is grounds for denial of certain applications; revising the circumstances under which the Office of Financial Regulation is required to conduct certain examinations; revising the entities that may acquire liabilities and assets, and the liabilities and assets that may be acquired, according to certain procedures, conditions, and limitations; requiring the office, upon receiving applications for authority to organize a bank or trust company, to investigate the need for a target market and the ability of the primary service area or target market to support proposed and existing bank or trust facilities, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2022"
identifier: "SB 1680"
citation: "Florida SB 1680 (2022)"
classification: ["bill"]
subjects: ["banks and banking", "estates and trusts", "public officers", "employees", "and records", "regulation of professions and occupations", "solicitations"]
status: "enacted"
chapter_law: "2022-178"
primary_sponsors: ["Gruters", "Rules"]
version_count: 3
action_count: 33
vote_count: 5
first_action: "2022-01-06"
last_action: "2022-06-09"
source: "openstates"
source_identifier: "ocd-bill/abd6429b-cece-4783-b3aa-dac06dee8f10"
source_url: "https://flsenate.gov/Session/Bill/2022/1680/ByCategory"
source_hash: "2e74035ef717548c908ee3ef359b5f49fb79bfa8d8fe4d0dc7d640f503170401"
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 1680 (2022) — Financial Institutions

Financial Institutions; Providing that the failure of foreign nationals to participate through video conference in certain hearings is grounds for denial of certain applications; revising the circumstances under which the Office of Financial Regulation is required to conduct certain examinations; revising the entities that may acquire liabilities and assets, and the liabilities and assets that may be acquired, according to certain procedures, conditions, and limitations; requiring the office, upon receiving applications for authority to organize a bank or trust company, to investigate the need for a target market and the ability of the primary service area or target market to support proposed and existing bank or trust facilities, etc.

**Enacted** — Laws of Florida, Chapter 2022-178.

## Version chain

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

1. **S 1680 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2022/1680/BillText/Filed/HTML)
2. **S 1680 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2022/1680/BillText/c1/HTML)
3. **S 1680 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2022/1680/BillText/er/HTML)

## Votes

- Passage, Third Reading — **112–0** (pass) · lower
- Favorable — **18–0** (pass) · upper
- Favorable with Committee Substitute — **17–0** (pass) · upper
- Favorable — **9–0** (pass) · upper
- Third Reading — **38–0** (pass) · upper

## Sponsors

- Gruters — primary (person)
- Rules — primary (person)

## Timeline

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

- **2022-01-06** Filed `filing`
- **2022-01-12** Referred to Banking and Insurance; Appropriations; Rules `referral-committee`
- **2022-01-13** On Committee agenda-- Banking and Insurance, 01/18/22, 3:30 pm, 412 Knott Building
- **2022-01-18** Introduced `introduction`
- **2022-01-18** Favorable by Banking and Insurance; YEAS 9 NAYS 0 `committee-passage-favorable`
- **2022-01-19** Now in Appropriations
- **2022-01-24** On Committee agenda-- Appropriations, 01/27/22, 11:30 am, 412 Knott Building
- **2022-01-27** Favorable by Appropriations; YEAS 18 NAYS 0 `committee-passage-favorable`
- **2022-01-28** Now in Rules
- **2022-02-07** On Committee agenda-- Rules, 02/10/22, 11:00 am, 412 Knott Building
- **2022-02-10** CS by- Rules; YEAS 17 NAYS 0
- **2022-02-14** Pending reference review -under Rule 4.7(2) - (Committee Substitute)
- **2022-02-14** Placed on Calendar, on 2nd reading
- **2022-02-14** Placed on Special Order Calendar, 02/17/22
- **2022-02-16** CS by Rules read 1st time
- **2022-02-17** Read 2nd time `reading-2`
- **2022-02-17** Read 3rd time `reading-3`
- **2022-02-17** CS passed; YEAS 38 NAYS 0 `passage`
- **2022-02-17** Immediately certified
- **2022-02-17** In Messages
- **2022-02-28** Bill referred to House Calendar
- **2022-02-28** Bill added to Special Order Calendar (3/3/2022)
- **2022-02-28** 1st Reading (Committee Substitute 1)
- **2022-03-03** Substituted for CS/CS/HB 431
- **2022-03-03** Read 2nd time `reading-2`
- **2022-03-03** Placed on 3rd reading
- **2022-03-03** Added to Third Reading Calendar
- **2022-03-04** Read 3rd time `reading-3`
- **2022-03-04** CS passed; YEAS 112, NAYS 0 `passage`
- **2022-03-04** Ordered enrolled
- **2022-06-03** Signed by Officers and presented to Governor
- **2022-06-08** Approved by Governor `executive-signature`
- **2022-06-09** Chapter No. 2022-178

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/abd6429b-cece-4783-b3aa-dac06dee8f10`. Confidence: reported (aggregated from official Florida legislature records).