---
type: "Bill"
title: "Consumer Finance Loans"
description: "Consumer Finance Loans; Authorizing an applicant for a license to make and collect loans under the Florida Consumer Finance Act to provide certain documents in lieu of evidence of liquid assets; prohibiting a person licensed to make and collect consumer finance loans from charging prepayment penalties for loans; authorizing a licensee or an applicant for a license to make and collect consumer finance loans to provide a surety bond, certificate of deposit, or letter of credit in lieu of evidence of liquid assets; modifying grounds for denial of license or disciplinary action for certain violations of the Florida Consumer Finance Act, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2022"
identifier: "SB 546"
citation: "Florida SB 546 (2022)"
classification: ["bill"]
subjects: ["solicitations"]
status: "enacted"
chapter_law: "2022-130"
primary_sponsors: ["Gruters"]
version_count: 3
action_count: 35
vote_count: 6
first_action: "2021-10-19"
last_action: "2022-05-23"
source: "openstates"
source_identifier: "ocd-bill/c4f2ac63-7fea-49da-a710-d74855429ebe"
source_url: "https://flsenate.gov/Session/Bill/2022/546/ByCategory"
source_hash: "54024ca2dcef7eddb69d5110a761517bcafcd9498dfee9b3037f6d12afa8e437"
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 546 (2022) — Consumer Finance Loans

Consumer Finance Loans; Authorizing an applicant for a license to make and collect loans under the Florida Consumer Finance Act to provide certain documents in lieu of evidence of liquid assets; prohibiting a person licensed to make and collect consumer finance loans from charging prepayment penalties for loans; authorizing a licensee or an applicant for a license to make and collect consumer finance loans to provide a surety bond, certificate of deposit, or letter of credit in lieu of evidence of liquid assets; modifying grounds for denial of license or disciplinary action for certain violations of the Florida Consumer Finance Act, etc.

**Enacted** — Laws of Florida, Chapter 2022-130.

## Version chain

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

1. **S 546 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2022/546/BillText/Filed/HTML)
2. **S 546 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2022/546/BillText/e1/HTML)
3. **S 546 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2022/546/BillText/er/HTML)

## Votes

- Third Reading — **36–0** (pass) · upper
- Favorable — **16–0** (pass) · upper
- Passage, Third Reading — **113–0** (pass) · lower
- Favorable — **10–0** (pass) · upper
- Returning Messages — **39–0** (pass) · upper
- Favorable — **11–0** (pass) · upper

## Sponsors

- Gruters — primary (person)

## Timeline

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

- **2021-10-19** Filed `filing`
- **2021-11-03** Referred to Banking and Insurance; Commerce and Tourism; Rules `referral-committee`
- **2021-11-22** On Committee agenda-- Banking and Insurance, 12/01/21, 8:30 am, 412 Knott Building
- **2021-12-01** Favorable by Banking and Insurance; YEAS 11 NAYS 0 `committee-passage-favorable`
- **2021-12-01** Now in Commerce and Tourism
- **2022-01-03** On Committee agenda-- Commerce and Tourism, 01/10/22, 4:00 pm, 110 Senate Building
- **2022-01-10** Favorable by Commerce and Tourism; YEAS 10 NAYS 0 `committee-passage-favorable`
- **2022-01-11** Now in Rules
- **2022-01-11** Introduced `introduction`
- **2022-01-14** On Committee agenda-- Rules, 01/20/22, 9:30 am, 412 Knott Building
- **2022-01-20** Favorable by- Rules; YEAS 16 NAYS 0 `committee-passage-favorable`
- **2022-01-20** Placed on Calendar, on 2nd reading
- **2022-01-24** Placed on Special Order Calendar, 01/27/22
- **2022-01-27** Read 2nd time `reading-2`
- **2022-01-27** Read 3rd time `reading-3`
- **2022-01-27** Passed; YEAS 36 NAYS 0 -SJ 228, 229 `passage`
- **2022-01-27** Immediately certified
- **2022-01-27** 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 (Original Filed Version)
- **2022-03-03** Substituted for CS/HB 123
- **2022-03-03** Read 2nd time `reading-2`
- **2022-03-03** Amendment 856305 adopted
- **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** Passed as amended; YEAS 113, NAYS 0 `passage`
- **2022-03-04** In returning messages
- **2022-03-08** Concurred in 1 amendment(s) (856305)
- **2022-03-08** Passed as amended; YEAS 39 NAYS 0 `passage`
- **2022-03-08** Ordered engrossed, then enrolled
- **2022-05-20** Signed by Officers and presented to Governor
- **2022-05-20** Approved by Governor `executive-signature`
- **2022-05-23** Chapter No. 2022-130

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c4f2ac63-7fea-49da-a710-d74855429ebe`. Confidence: reported (aggregated from official Florida legislature records).