---
type: "Bill"
title: "Collateral Protection Insurance"
description: "Collateral Protection Insurance; Providing a restriction on insurance charges made to mortgagors; providing for the calculation of collateral protection insurance coverages and premiums, providing construction relating to noncircumvention, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2023"
identifier: "HB 793"
citation: "Florida HB 793 (2023)"
classification: ["bill"]
subjects: ["insurance"]
status: "enacted"
chapter_law: "2023-210"
primary_sponsors: ["Fernandez-Barquin"]
version_count: 3
action_count: 39
vote_count: 5
first_action: "2023-02-14"
last_action: "2023-06-12"
source: "openstates"
source_identifier: "ocd-bill/e133f6b7-2be3-4fc4-8179-c0f470c1d9fa"
source_url: "https://flsenate.gov/Session/Bill/2023/793/ByCategory"
source_hash: "200cc3e93dfe9ac127bee272085d5fdfa3a69c7f1d7cd211256929da9f9a4151"
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 793 (2023) — Collateral Protection Insurance

Collateral Protection Insurance; Providing a restriction on insurance charges made to mortgagors; providing for the calculation of collateral protection insurance coverages and premiums, providing construction relating to noncircumvention, etc.

**Enacted** — Laws of Florida, Chapter 2023-210.

## Version chain

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

1. **H 793 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2023/793/BillText/Filed/PDF)
2. **H 793 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2023/793/BillText/e1/PDF)
3. **H 793 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2023/793/BillText/er/PDF)

## Votes

- Favorable (Commerce Committee) — **20–0** (pass) · lower
- Third Reading — **35–0** (pass) · upper
- Passage, Third Reading — **105–0** (pass) · lower
- Favorable (State Administration & Technology Appropriations Subcommittee) — **12–0** (pass) · lower
- Favorable (Insurance & Banking Subcommittee) — **17–0** (pass) · lower

## Sponsors

- Fernandez-Barquin — primary (person)
- Benjamin — cosponsor (person)

## Timeline

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

- **2023-02-14** Filed `filing`
- **2023-02-21** Referred to Insurance & Banking Subcommittee `referral-committee`
- **2023-02-21** Referred to State Administration & Technology Appropriations Subcommittee `referral-committee`
- **2023-02-21** Referred to Commerce Committee `referral-committee`
- **2023-02-21** Now in Insurance & Banking Subcommittee
- **2023-03-07** 1st Reading (Original Filed Version) `filing, reading-1`
- **2023-03-10** Added to Insurance & Banking Subcommittee agenda
- **2023-03-14** Favorable by Insurance & Banking Subcommittee `committee-passage-favorable`
- **2023-03-15** Reported out of Insurance & Banking Subcommittee
- **2023-03-15** Now in State Administration & Technology Appropriations Subcommittee
- **2023-03-27** Added to State Administration & Technology Appropriations Subcommittee agenda
- **2023-03-29** Favorable by State Administration & Technology Appropriations Subcommittee `committee-passage-favorable`
- **2023-03-29** Reported out of State Administration & Technology Appropriations Subcommittee
- **2023-03-29** Now in Commerce Committee
- **2023-04-06** Added to Commerce Committee agenda
- **2023-04-11** Favorable by Commerce Committee (Amended) `committee-passage-favorable`
- **2023-04-12** Reported out of Commerce Committee
- **2023-04-12** Bill released to House Calendar
- **2023-04-12** 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 069983 adopted
- **2023-04-28** Added to Third Reading Calendar
- **2023-04-28** Read 3rd time `reading-3`
- **2023-04-28** Passed as amended; YEAS 105, 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 SB 410
- **2023-05-01** Read 2nd time `reading-2`
- **2023-05-01** Read 3rd time `reading-3`
- **2023-05-01** Passed; YEAS 35 NAYS 0 `passage`
- **2023-05-01** In Messages
- **2023-05-01** Ordered enrolled `enrolled`
- **2023-06-05** Signed by Officers and presented to Governor `executive-receipt`
- **2023-06-09** Approved by Governor `executive-signature`
- **2023-06-12** Chapter No. 2023-210

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e133f6b7-2be3-4fc4-8179-c0f470c1d9fa`. Confidence: reported (aggregated from official Florida legislature records).