---
type: "Bill"
title: "Consumer Finance Loans"
description: "Consumer Finance Loans; Prohibits person from operating branch of business making consumer finance loans before obtaining license; revises maximum interest rates on consumer finance loans; revises minimum amount of time before delinquency charge may be imposed; requires licensees offering assistance program to borrowers after federally declared major disaster to send notice to office; requires licensees to offer to borrowers credit education programs or seminars; provides requirements for licensee claiming submitted information contains trade secret; requires licensees to suspend actions for certain timeframe after federally declared disaster."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2024"
identifier: "HB 1347"
citation: "Florida HB 1347 (2024)"
classification: ["bill"]
subjects: ["and solicitations"]
status: "enacted"
chapter_law: "2024-276"
primary_sponsors: ["Brackett"]
version_count: 3
action_count: 42
vote_count: 2
first_action: "2024-01-05"
last_action: "2024-07-01"
source: "openstates"
source_identifier: "ocd-bill/0b3fde77-9c9e-4e77-b176-1654377c7415"
source_url: "https://flsenate.gov/Session/Bill/2024/1347/ByCategory"
source_hash: "415006e616e542738fc7f330ce25636c8a8b33d8c6198cfc84a69010370ca8a3"
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 1347 (2024) — Consumer Finance Loans

Consumer Finance Loans; Prohibits person from operating branch of business making consumer finance loans before obtaining license; revises maximum interest rates on consumer finance loans; revises minimum amount of time before delinquency charge may be imposed; requires licensees offering assistance program to borrowers after federally declared major disaster to send notice to office; requires licensees to offer to borrowers credit education programs or seminars; provides requirements for licensee claiming submitted information contains trade secret; requires licensees to suspend actions for certain timeframe after federally declared disaster.

**Enacted** — Laws of Florida, Chapter 2024-276.

## Version chain

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

1. **H 1347 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2024/1347/BillText/Filed/PDF)
2. **H 1347 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2024/1347/BillText/c1/PDF)
3. **H 1347 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2024/1347/BillText/er/PDF)

## Votes

- Passage, Third Reading — **104–10** (pass) · lower
- Third Reading — **21–18** (pass) · upper

## Sponsors

- Brackett — primary (person)
- Commerce Committee — primary (organization)
- López, J. — cosponsor (person)

## Timeline

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

- **2024-01-05** Filed `filing`
- **2024-01-09** 1st Reading (Original Filed Version) `filing, reading-1`
- **2024-01-13** Referred to Insurance & Banking Subcommittee `referral-committee`
- **2024-01-13** Referred to State Administration & Technology Appropriations Subcommittee `referral-committee`
- **2024-01-13** Referred to Commerce Committee `referral-committee`
- **2024-01-13** Now in Insurance & Banking Subcommittee
- **2024-01-23** Added to Insurance & Banking Subcommittee agenda
- **2024-01-25** Favorable by Insurance & Banking Subcommittee `committee-passage-favorable`
- **2024-01-26** Reported out of Insurance & Banking Subcommittee
- **2024-01-26** Now in State Administration & Technology Appropriations Subcommittee
- **2024-02-02** Added to State Administration & Technology Appropriations Subcommittee agenda
- **2024-02-06** Favorable by State Administration & Technology Appropriations Subcommittee `committee-passage-favorable`
- **2024-02-06** Reported out of State Administration & Technology Appropriations Subcommittee
- **2024-02-06** Now in Commerce Committee
- **2024-02-13** Added to Commerce Committee agenda
- **2024-02-15** Favorable with CS by Commerce Committee `committee-passage-favorable`
- **2024-02-16** Reported out of Commerce Committee
- **2024-02-16** Laid on Table under Rule 7.18(a) `deferral`
- **2024-02-16** CS Filed `filing`
- **2024-02-19** Bill referred to House Calendar
- **2024-02-19** 1st Reading (Committee Substitute 1) `reading-1`
- **2024-02-19** Added to Second Reading Calendar
- **2024-02-27** Bill added to Special Order Calendar (3/1/2024)
- **2024-03-01** Read 2nd time `reading-2`
- **2024-03-01** Placed on 3rd reading `reading-3`
- **2024-03-01** Added to Third Reading Calendar
- **2024-03-04** Read 3rd time `reading-3`
- **2024-03-04** CS passed; YEAS 104, NAYS 10 `passage`
- **2024-03-04** In Messages
- **2024-03-04** Referred to Fiscal Policy `referral-committee`
- **2024-03-04** Withdrawn from Fiscal Policy `withdrawal`
- **2024-03-04** Placed on Calendar, on 2nd reading
- **2024-03-04** Substituted for CS/SB 1436
- **2024-03-04** Received `enrolled`
- **2024-03-04** Read 2nd time -SJ 647, 652 `reading-2`
- **2024-03-04** Read 3rd time `reading-3`
- **2024-03-04** CS passed; YEAS 21 NAYS 18 `passage`
- **2024-03-04** In Messages
- **2024-03-04** Ordered enrolled `enrolled`
- **2024-06-17** Signed by Officers and presented to Governor `executive-receipt`
- **2024-06-28** Approved by Governor `executive-signature`
- **2024-07-01** Chapter No. 2024-276

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/0b3fde77-9c9e-4e77-b176-1654377c7415`. Confidence: reported (aggregated from official Florida legislature records).