---
type: "Bill"
title: "Consumer Protection"
description: "Consumer Protection; defining terms; revising requirements for payment settlement entities, or their electronic payment facilitators or contracted third parties, in submitting information returns to the Department of Revenue; authorizing a residential property owner to cancel contracts to replace or repair a roof without penalty or obligation within a specified timeframe under certain circumstances; providing requirements for certain notice of change in insurance renewal policy terms; providing that certain actions or certain failure of financial institutions to cooperate in specified investigations constitute violations of the Florida Deceptive and Unfair Trade Practices Act; etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2024"
identifier: "HB 939"
citation: "Florida HB 939 (2024)"
classification: ["bill"]
subjects: ["and solicitations", "banks and banking", "civil practice and procedure", "crimes", "insurance", "public business", "regulation of professions and occupations", "social welfare", "taxation and finance"]
status: "enacted"
chapter_law: "2024-139"
primary_sponsors: ["Griffitts"]
version_count: 6
action_count: 57
vote_count: 3
first_action: "2023-12-19"
last_action: "2024-05-03"
source: "openstates"
source_identifier: "ocd-bill/83e817d4-7bb1-4c78-a79d-a50bb6fb47f6"
source_url: "https://flsenate.gov/Session/Bill/2024/939/ByCategory"
source_hash: "a2055256dda78518388ab1ed758edbdd375ac64dde94e1e8558b23ff1ad91eb9"
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 939 (2024) — Consumer Protection

Consumer Protection; defining terms; revising requirements for payment settlement entities, or their electronic payment facilitators or contracted third parties, in submitting information returns to the Department of Revenue; authorizing a residential property owner to cancel contracts to replace or repair a roof without penalty or obligation within a specified timeframe under certain circumstances; providing requirements for certain notice of change in insurance renewal policy terms; providing that certain actions or certain failure of financial institutions to cooperate in specified investigations constitute violations of the Florida Deceptive and Unfair Trade Practices Act; etc.

**Enacted** — Laws of Florida, Chapter 2024-139.

## Version chain

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

1. **H 939 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2024/939/BillText/Filed/PDF)
2. **H 939 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2024/939/BillText/c1/PDF)
3. **H 939 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2024/939/BillText/c2/PDF)
4. **H 939 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2024/939/BillText/e1/PDF)
5. **H 939 e2** (engrossed) — [source](https://flsenate.gov/Session/Bill/2024/939/BillText/e2/PDF)
6. **H 939 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2024/939/BillText/er/PDF)

## Votes

- Third Reading — **39–0** (pass) · upper
- Passage, Third Reading — **91–21** (pass) · lower
- Passage — **111–0** (pass) · lower

## Sponsors

- Commerce Committee — primary (organization)
- Griffitts — primary (person)
- Insurance & Banking Subcommittee — primary (organization)
- Abbott — cosponsor (person)
- Barnaby — cosponsor (person)
- Garcia — cosponsor (person)
- Mooney — cosponsor (person)
- Salzman — cosponsor (person)
- Steele — cosponsor (person)

## Timeline

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

- **2023-12-19** Filed `filing`
- **2024-01-05** Referred to Insurance & Banking Subcommittee `referral-committee`
- **2024-01-05** Referred to Appropriations Committee `referral-committee`
- **2024-01-05** Referred to Judiciary Committee `referral-committee`
- **2024-01-05** Now in Insurance & Banking Subcommittee
- **2024-01-09** 1st Reading (Original Filed Version) `filing, reading-1`
- **2024-01-16** PCS added to Insurance & Banking Subcommittee agenda
- **2024-01-18** Favorable with CS by Insurance & Banking Subcommittee `committee-passage-favorable`
- **2024-01-19** Reported out of Insurance & Banking Subcommittee
- **2024-01-22** Laid on Table under Rule 7.18(a) `deferral`
- **2024-01-22** CS Filed `filing`
- **2024-01-22** 1st Reading (Committee Substitute 1) `reading-1`
- **2024-01-23** Original reference removed: Appropriations Committee
- **2024-01-23** Original reference removed: Judiciary Committee
- **2024-01-23** Referred to State Affairs Committee `referral-committee`
- **2024-01-23** Referred to Commerce Committee `referral-committee`
- **2024-01-23** Now in State Affairs Committee
- **2024-02-12** Added to State Affairs Committee agenda
- **2024-02-14** Favorable by State Affairs Committee `committee-passage-favorable`
- **2024-02-14** Reported out of State Affairs Committee
- **2024-02-14** Now in Commerce Committee
- **2024-02-20** PCS added to Commerce Committee agenda
- **2024-02-22** Favorable with CS by Commerce Committee `committee-passage-favorable`
- **2024-02-26** Reported out of Commerce Committee
- **2024-02-26** Laid on Table under Rule 7.18(a) `deferral`
- **2024-02-26** CS Filed `filing`
- **2024-02-26** 1st Reading (Committee Substitute 2) `reading-1`
- **2024-02-27** Bill referred to House Calendar
- **2024-02-27** 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** Amendment 449195 adopted
- **2024-03-01** Amendment 573053 adopted as amended
- **2024-03-01** Amendment 824789 adopted
- **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 as amended; YEAS 91, NAYS 21 `passage`
- **2024-03-04** In Messages
- **2024-03-04** Referred to Rules `referral-committee`
- **2024-03-04** Received `enrolled`
- **2024-03-05** Withdrawn from Rules `withdrawal`
- **2024-03-05** Placed on Calendar, on 2nd reading
- **2024-03-05** Substituted for CS/CS/CS/SB 1066
- **2024-03-05** Read 2nd time `reading-2`
- **2024-03-05** Amendment(s) adopted (346116, 411388)
- **2024-03-05** Read 3rd time `reading-3`
- **2024-03-05** CS passed as amended; YEAS 39 NAYS 0 `passage`
- **2024-03-05** In Messages
- **2024-03-08** Added to Senate Message List
- **2024-03-08** Amendment 346116 Concur
- **2024-03-08** Amendment 411388 Concur
- **2024-03-08** CS passed as amended; YEAS 111, NAYS 0 `passage`
- **2024-03-08** Ordered engrossed, then enrolled `enrolled`
- **2024-04-25** Signed by Officers and presented to Governor `executive-receipt`
- **2024-05-02** Approved by Governor `executive-signature`
- **2024-05-03** Chapter No. 2024-139; companion bill(s) passed, see CS/CS/CS/HB 989 (Ch. 2024-140)

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/83e817d4-7bb1-4c78-a79d-a50bb6fb47f6`. Confidence: reported (aggregated from official Florida legislature records).