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