Fabio
102 lines
5.2 KiB
Markdown
102 lines
5.2 KiB
Markdown
---
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type: "Bill"
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title: "Consumer Finance Loans"
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description: "Consumer Finance Loans; Authorizing an applicant for a license to make and collect loans under the Florida Consumer Finance Act to provide certain documents in lieu of evidence of liquid assets; prohibiting a person licensed to make and collect consumer finance loans from charging prepayment penalties for loans; authorizing a licensee or an applicant for a license to make and collect consumer finance loans to provide a surety bond, certificate of deposit, or letter of credit in lieu of evidence of liquid assets; modifying grounds for denial of license or disciplinary action for certain violations of the Florida Consumer Finance Act, etc."
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jurisdiction: "us/states/fl"
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legislature: "Florida Legislature"
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session: "2022"
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identifier: "SB 546"
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citation: "Florida SB 546 (2022)"
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classification: ["bill"]
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subjects: ["solicitations"]
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status: "enacted"
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chapter_law: "2022-130"
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primary_sponsors: ["Gruters"]
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version_count: 3
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action_count: 35
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vote_count: 6
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first_action: "2021-10-19"
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last_action: "2022-05-23"
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source: "openstates"
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source_identifier: "ocd-bill/c4f2ac63-7fea-49da-a710-d74855429ebe"
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source_url: "https://flsenate.gov/Session/Bill/2022/546/ByCategory"
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source_hash: "54024ca2dcef7eddb69d5110a761517bcafcd9498dfee9b3037f6d12afa8e437"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-fl"]
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---
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# Florida SB 546 (2022) — Consumer Finance Loans
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Consumer Finance Loans; Authorizing an applicant for a license to make and collect loans under the Florida Consumer Finance Act to provide certain documents in lieu of evidence of liquid assets; prohibiting a person licensed to make and collect consumer finance loans from charging prepayment penalties for loans; authorizing a licensee or an applicant for a license to make and collect consumer finance loans to provide a surety bond, certificate of deposit, or letter of credit in lieu of evidence of liquid assets; modifying grounds for denial of license or disciplinary action for certain violations of the Florida Consumer Finance Act, etc.
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**Enacted** — Laws of Florida, Chapter 2022-130.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **S 546 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2022/546/BillText/Filed/HTML)
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2. **S 546 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2022/546/BillText/e1/HTML)
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3. **S 546 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2022/546/BillText/er/HTML)
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## Votes
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- Third Reading — **36–0** (pass) · upper
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- Favorable — **16–0** (pass) · upper
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- Passage, Third Reading — **113–0** (pass) · lower
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- Favorable — **10–0** (pass) · upper
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- Returning Messages — **39–0** (pass) · upper
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- Favorable — **11–0** (pass) · upper
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## Sponsors
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- Gruters — primary (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2021-10-19** Filed `filing`
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- **2021-11-03** Referred to Banking and Insurance; Commerce and Tourism; Rules `referral-committee`
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- **2021-11-22** On Committee agenda-- Banking and Insurance, 12/01/21, 8:30 am, 412 Knott Building
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- **2021-12-01** Favorable by Banking and Insurance; YEAS 11 NAYS 0 `committee-passage-favorable`
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- **2021-12-01** Now in Commerce and Tourism
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- **2022-01-03** On Committee agenda-- Commerce and Tourism, 01/10/22, 4:00 pm, 110 Senate Building
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- **2022-01-10** Favorable by Commerce and Tourism; YEAS 10 NAYS 0 `committee-passage-favorable`
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- **2022-01-11** Now in Rules
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- **2022-01-11** Introduced `introduction`
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- **2022-01-14** On Committee agenda-- Rules, 01/20/22, 9:30 am, 412 Knott Building
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- **2022-01-20** Favorable by- Rules; YEAS 16 NAYS 0 `committee-passage-favorable`
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- **2022-01-20** Placed on Calendar, on 2nd reading
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- **2022-01-24** Placed on Special Order Calendar, 01/27/22
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- **2022-01-27** Read 2nd time `reading-2`
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- **2022-01-27** Read 3rd time `reading-3`
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- **2022-01-27** Passed; YEAS 36 NAYS 0 -SJ 228, 229 `passage`
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- **2022-01-27** Immediately certified
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- **2022-01-27** In Messages
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- **2022-02-28** Bill referred to House Calendar
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- **2022-02-28** Bill added to Special Order Calendar (3/3/2022)
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- **2022-02-28** 1st Reading (Original Filed Version)
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- **2022-03-03** Substituted for CS/HB 123
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- **2022-03-03** Read 2nd time `reading-2`
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- **2022-03-03** Amendment 856305 adopted
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- **2022-03-03** Placed on 3rd reading
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- **2022-03-03** Added to Third Reading Calendar
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- **2022-03-04** Read 3rd time `reading-3`
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- **2022-03-04** Passed as amended; YEAS 113, NAYS 0 `passage`
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- **2022-03-04** In returning messages
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- **2022-03-08** Concurred in 1 amendment(s) (856305)
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- **2022-03-08** Passed as amended; YEAS 39 NAYS 0 `passage`
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- **2022-03-08** Ordered engrossed, then enrolled
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- **2022-05-20** Signed by Officers and presented to Governor
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- **2022-05-20** Approved by Governor `executive-signature`
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- **2022-05-23** Chapter No. 2022-130
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c4f2ac63-7fea-49da-a710-d74855429ebe`. Confidence: reported (aggregated from official Florida legislature records).
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