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---
type: "Bill"
title: "Consumer Protection"
description: "Consumer Protection; Deleting authorization for consumer reporting agencies to charge a fee for reissuing or providing a new unique personal identifier to a consumer; revising a requirement for persons licensed or authorized by the Department of Financial Services or the Office of Insurance Regulation to respond to the departments Division of Consumer Services regarding consumer complaints; deleting a fee for adjusting firm licenses; authorizing the department to disapprove the use of insurance agency names containing the word “Medicare” or “Medicaid”; revising the timeframes in which an insured or a claimant may cancel a public adjusters contract to adjust a claim without penalty or obligation; revising disclosure requirements for certain classes of insurance before being eligible for export under the Surplus Lines Law, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2021"
identifier: "SB 1598"
citation: "Florida SB 1598 (2021)"
classification: ["bill"]
subjects: ["and solicitations", "insurance"]
status: "enacted"
chapter_law: "2021-104"
primary_sponsors: ["Gruters"]
version_count: 4
action_count: 37
vote_count: 5
first_action: "2021-02-24"
last_action: "2021-06-17"
source: "openstates"
source_identifier: "ocd-bill/f1ea2f88-7b19-4f9c-9b89-fa630b197fe8"
source_url: "https://flsenate.gov/Session/Bill/2021/1598/ByCategory"
source_hash: "fe21420065a049e08db24898668f4c3bfd2d87c53157365b8f713b5024e532aa"
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 1598 (2021) — Consumer Protection
Consumer Protection; Deleting authorization for consumer reporting agencies to charge a fee for reissuing or providing a new unique personal identifier to a consumer; revising a requirement for persons licensed or authorized by the Department of Financial Services or the Office of Insurance Regulation to respond to the departments Division of Consumer Services regarding consumer complaints; deleting a fee for adjusting firm licenses; authorizing the department to disapprove the use of insurance agency names containing the word “Medicare” or “Medicaid”; revising the timeframes in which an insured or a claimant may cancel a public adjusters contract to adjust a claim without penalty or obligation; revising disclosure requirements for certain classes of insurance before being eligible for export under the Surplus Lines Law, etc.
**Enacted** — Laws of Florida, Chapter 2021-104.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **S 1598 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2021/1598/BillText/Filed/HTML)
2. **S 1598 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2021/1598/BillText/c1/HTML)
3. **S 1598 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2021/1598/BillText/c2/HTML)
4. **S 1598 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2021/1598/BillText/er/HTML)
## Votes
- Favorable with Committee Substitute — **110** (pass) · upper
- Passage, Third Reading — **1141** (pass) · lower
- Favorable with Committee Substitute — **119** (pass) · upper
- Favorable with Committee Substitute — **120** (pass) · upper
- Third Reading — **343** (pass) · upper
## Sponsors
- Gruters — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2021-02-24** Filed `filing`
- **2021-03-02** Referred to Banking and Insurance; Appropriations Subcommittee on Agriculture, Environment, and General Government; Appropriations `referral-committee`
- **2021-03-02** Introduced `introduction`
- **2021-03-11** On Committee agenda-- Banking and Insurance, 03/16/21, 9:30 am, 412 Knott Building
- **2021-03-16** CS by Banking and Insurance; YEAS 12 NAYS 0
- **2021-03-17** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2021-03-18** Now in Appropriations Subcommittee on Agriculture, Environment, and General Government
- **2021-03-18** CS by Banking and Insurance read 1st time
- **2021-03-19** On Committee agenda-- Appropriations Subcommittee on Agriculture, Environment, and General Government, 03/24/21, 4:30 pm, 110 Senate Building
- **2021-03-24** Subcommittee Recommendation: CS/CS by Appropriations Subcommittee on Agriculture, Environment, and General Government; YEAS 11 NAYS 0
- **2021-03-26** Now in Appropriations
- **2021-04-12** On Committee agenda-- Appropriations, 04/15/21, 9:00 am, 412 Knott Building
- **2021-04-14** On Committee agenda-- Appropriations, 04/19/21, 10:00 am, 412 Knott Building
- **2021-04-15** CS/CS by- Appropriations; YEAS 11 NAYS 9
- **2021-04-18** Pending reference review -under Rule 4.7(2) - (Committee Substitute)
- **2021-04-19** Placed on Calendar, on 2nd reading
- **2021-04-19** Placed on Special Order Calendar, 04/21/21
- **2021-04-20** CS/CS by Appropriations read 1st time
- **2021-04-21** Read 2nd time `reading-2`
- **2021-04-21** Amendment(s) failed (332786)
- **2021-04-21** Placed on 3rd reading
- **2021-04-22** Read 3rd time `reading-3`
- **2021-04-22** CS passed; YEAS 34 NAYS 3 `passage`
- **2021-04-22** In Messages
- **2021-04-26** Bill referred to House Calendar
- **2021-04-26** Bill added to Special Order Calendar (4/27/2021)
- **2021-04-26** 1st Reading (Committee Substitute 2)
- **2021-04-27** Read 2nd time `reading-2`
- **2021-04-27** Placed on 3rd reading
- **2021-04-27** Added to Third Reading Calendar
- **2021-04-28** Read 3rd time `reading-3`
- **2021-04-28** CS passed; YEAS 114, NAYS 1 `passage`
- **2021-04-28** Message sent to senate
- **2021-04-28** Ordered enrolled
- **2021-06-14** Signed by Officers and presented to Governor
- **2021-06-16** Approved by Governor `executive-signature`
- **2021-06-17** Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77)
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f1ea2f88-7b19-4f9c-9b89-fa630b197fe8`. Confidence: reported (aggregated from official Florida legislature records).