---
type: "Bill"
title: "Debt Collection"
description: "Debt Collection; Revising prohibited practices for a person attempting to collect consumer debt, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2025"
identifier: "SB 232"
citation: "Florida SB 232 (2025)"
classification: ["bill"]
subjects: ["crimes", "insurance"]
status: "enacted"
chapter_law: "2025-23"
primary_sponsors: ["Rodriguez"]
version_count: 4
action_count: 36
vote_count: 5
first_action: "2025-01-14"
last_action: "2025-05-20"
source: "openstates"
source_identifier: "ocd-bill/cd90b570-a57f-478a-8c9d-0b78082a6ec9"
source_url: "https://flsenate.gov/Session/Bill/2025/232/ByCategory"
source_hash: "68fd5dea4915245c374a0f6e78075d9640cbfe38f716b448257b1e23dc830276"
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 232 (2025) — Debt Collection

Debt Collection; Revising prohibited practices for a person attempting to collect consumer debt, etc.

**Enacted** — Laws of Florida, Chapter 2025-23.

## Version chain

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

1. **S 232 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2025/232/BillText/Filed/HTML)
2. **S 232 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2025/232/BillText/c1/HTML)
3. **S 232 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2025/232/BillText/c2/HTML)
4. **S 232 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2025/232/BillText/er/HTML)

## Votes

- Favorable with Committee Substitute — **8–0** (pass) · upper
- Favorable with Committee Substitute — **10–0** (pass) · upper
- Favorable — **24–0** (pass) · upper
- Passage, Third Reading — **116–0** (pass) · lower
- Third Reading — **36–0** (pass) · upper

## Sponsors

- Banking and Insurance — primary (organization)
- Commerce and Tourism — primary (organization)
- Rodriguez — primary (person)

## Timeline

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

- **2025-01-14** Filed `filing`
- **2025-01-29** Referred to Commerce and Tourism; Banking and Insurance; Rules `referral-committee`
- **2025-02-03** On Committee agenda-- Commerce and Tourism, 02/11/25, 8:30 am, 110 Senate Building --Temporarily Postponed
- **2025-02-24** On Committee agenda-- Commerce and Tourism, 03/03/25, 1:00 pm, 110 Senate Building
- **2025-03-03** CS by Commerce and Tourism; YEAS 8 NAYS 0
- **2025-03-04** Introduced `introduction`
- **2025-03-05** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2025-03-05** Now in Banking and Insurance
- **2025-03-10** CS by Commerce and Tourism read 1st time
- **2025-03-20** On Committee agenda-- Banking and Insurance, 03/25/25, 8:30 am, 412 Knott Building --Temporarily Postponed
- **2025-03-26** On Committee agenda-- Banking and Insurance, 03/31/25, 1:30 pm, 412 Knott Building
- **2025-03-31** CS/CS by Banking and Insurance; YEAS 10 NAYS 0
- **2025-04-02** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2025-04-02** Now in Rules
- **2025-04-02** CS/CS by Banking and Insurance read 1st time
- **2025-04-03** On Committee agenda-- Rules, 04/08/25, 9:00 am, 412 Knott Building
- **2025-04-08** Favorable by- Rules; YEAS 24 NAYS 0 `committee-passage-favorable`
- **2025-04-08** Placed on Calendar, on 2nd reading
- **2025-04-10** Placed on Special Order Calendar, 04/16/25
- **2025-04-16** Read 2nd time `reading-2`
- **2025-04-16** Read 3rd time `reading-3`
- **2025-04-16** CS passed; YEAS 36 NAYS 0 `passage`
- **2025-04-16** Immediately certified
- **2025-04-16** In Messages
- **2025-04-28** Bill referred to House Calendar
- **2025-04-28** Bill added to Special Order Calendar (4/29/2025)
- **2025-04-28** 1st Reading (Committee Substitute 2) `reading-1`
- **2025-04-29** Read 2nd time `reading-2`
- **2025-04-29** Placed on 3rd reading `reading-3`
- **2025-04-29** Added to Third Reading Calendar
- **2025-04-29** Read 3rd time `reading-3`
- **2025-04-29** CS passed; YEAS 116, NAYS 0 `passage`
- **2025-04-29** Ordered enrolled `enrolled`
- **2025-05-16** Signed by Officers and presented to Governor `executive-receipt`
- **2025-05-16** Approved by Governor `executive-signature`
- **2025-05-20** Chapter No. 2025-23

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/cd90b570-a57f-478a-8c9d-0b78082a6ec9`. Confidence: reported (aggregated from official Florida legislature records).