Florida Senate - 2026                          SENATOR AMENDMENT
       Bill No. CS for CS for CS for SB 1452
       
       
       
       
       
       
                                Ì942860*Î942860                         
       
                              LEGISLATIVE ACTION                        
                    Senate             .             House              
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                  Floor: WD            .                                
             03/09/2026 12:44 PM       .                                
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       Senator Gruters moved the following:
       
    1         Senate Amendment (with title amendment)
    2  
    3         Delete lines 1390 - 1852
    4  and insert:
    5         Section 18. Subsection (4) is added to section 560.104,
    6  Florida Statutes, to read:
    7         560.104 Exemptions.—The following entities are exempt from
    8  the provisions of this chapter:
    9         (4)A person appointed as an agent of a payee to collect
   10  and process a payment from a payor to the payee for goods or
   11  services, other than a money services business itself, provided
   12  to the payor by the payee, if all of the following apply:
   13         (a)There exists a written agreement between the payee and
   14  the agent directing the agent to collect and process payments
   15  from payors on the payee’s behalf.
   16         (b)The payee holds the agent out to the public as
   17  accepting payments for goods or services on the payee’s behalf.
   18         (c)Payment for the goods or services is treated as
   19  received by the payee upon receipt by the agent so that the
   20  payor’s obligation is extinguished and there is no risk of loss
   21  to the payor if the agent fails to remit the funds to the payee.
   22         Section 19. Subsection (10) of section 560.309, Florida
   23  Statutes, is amended to read:
   24         560.309 Conduct of business.—
   25         (10) If a check is returned to a licensee from a payor
   26  financial institution due to lack of funds, a closed account, or
   27  a stop-payment order, the licensee may seek collection pursuant
   28  to s. 68.065. In seeking collection, the licensee must comply
   29  with the prohibitions against harassment or abuse, false or
   30  misleading representations, and unfair practices in the Florida
   31  Consumer Collection Practices Act under part VI of chapter 559,
   32  including s. 559.77. The licensee must also comply with the Fair
   33  Debt Collections Practices Act, 15 U.S.C. ss. 1692d, 1692e, and
   34  1692f if the licensee uses a third-party debt collector or any
   35  name other than its own to collect such debts. A violation of
   36  this subsection is a deceptive and unfair trade practice and
   37  constitutes a violation of the Deceptive and Unfair Trade
   38  Practices Act under part II of chapter 501. In addition, a
   39  licensee must comply with the applicable provisions of the
   40  Consumer Collection Practices Act under part VI of chapter 559,
   41  including s. 559.77.
   42         Section 20. Subsection (3) of section 560.405, Florida
   43  Statutes, is amended to read:
   44         560.405 Deposit; redemption.—
   45         (3) Notwithstanding subsection (1), in lieu of presentment,
   46  a deferred presentment provider may allow the check to be
   47  redeemed at any time upon payment of the outstanding transaction
   48  balance and earned fees. Redemption in cash or through a debit
   49  card transaction must be treated the same. However, payment may
   50  not be made in the form of a personal check or through a credit
   51  card transaction. Upon redemption, the deferred presentment
   52  provider must return the drawer’s check and provide a signed,
   53  dated receipt showing that the drawer’s check has been redeemed.
   54         Section 21. Subsection (2) of section 560.406, Florida
   55  Statutes, is amended to read:
   56         560.406 Worthless checks.—
   57         (2) If a check is returned to a deferred presentment
   58  provider from a payor financial institution due to insufficient
   59  funds, a closed account, or a stop-payment order, the deferred
   60  presentment provider may pursue all legally available civil
   61  remedies to collect the check, including, but not limited to,
   62  the imposition of all charges imposed on the deferred
   63  presentment provider by the financial institution. In its
   64  collection practices, a deferred presentment provider must
   65  comply with the prohibitions against harassment or abuse, false
   66  or misleading representations, and unfair practices that are
   67  contained in the Florida Consumer Collection Practices Act under
   68  part VI of chapter 559, including s. 559.77. A deferred
   69  presentment provider must also comply with the Fair Debt
   70  Collections Practices Act, 15 U.S.C. ss. 1692d, 1692e, and 1692f
   71  if the deferred presentment provider uses a third-party debt
   72  collector or any name other than its own to collect such debts.
   73  A violation of this act is a deceptive and unfair trade practice
   74  and constitutes a violation of the Deceptive and Unfair Trade
   75  Practices Act under part II of chapter 501. In addition, a
   76  deferred presentment provider must comply with the applicable
   77  provisions of the Consumer Collection Practices Act under part
   78  VI of chapter 559, including s. 559.77.
   79         Section 22. Subsection (3) of section 626.0428, Florida
   80  Statutes, is amended to read:
   81         626.0428 Agency personnel powers, duties, and limitations.—
   82         (3) An employee or an authorized representative located at
   83  a designated branch of an agent or agency may not initiate
   84  contact with any person for the purpose of soliciting insurance
   85  unless licensed and appointed as an agent or customer
   86  representative. As to title insurance, an employee of an agent
   87  or agency may not initiate contact with any individual proposed
   88  insured for the purpose of soliciting title insurance unless
   89  licensed as a title insurance agent or exempt from such
   90  licensure pursuant to s. 626.8417(4) and (5).
   91         Section 23. Section 626.171, Florida Statutes, is amended
   92  to read:
   93         626.171 Application for license as an agent, customer
   94  representative, adjuster, or service representative, or
   95  reinsurance intermediary.—
   96         (1) The department may not issue a license as agent,
   97  customer representative, adjuster, or service representative, or
   98  reinsurance intermediary to any person except upon written
   99  application filed with the department, meeting the
  100  qualifications for the license applied for as determined by the
  101  department, and payment in advance of all applicable fees. The
  102  application must be made under the oath of the applicant and be
  103  signed by the applicant. An applicant may permit a third party
  104  to complete, submit, and sign an application on the applicant’s
  105  behalf, but is responsible for ensuring that the information on
  106  the application is true and correct and is accountable for any
  107  misstatements or misrepresentations. The department shall accept
  108  the uniform application for resident and nonresident agent and
  109  adjuster licensing. The department may adopt revised versions of
  110  the uniform application by rule.
  111         (2) In the application, the applicant must include all of
  112  the following shall set forth:
  113         (a) The applicant’s His or her full name, age, social
  114  security number, residence address, business address, mailing
  115  address, contact telephone numbers, including a business
  116  telephone number, and e-mail address.
  117         (b) A statement indicating the method the applicant used or
  118  is using to meet any required prelicensing education, knowledge,
  119  experience, or instructional requirements for the type of
  120  license applied for.
  121         (c) Whether the applicant he or she has been refused or has
  122  voluntarily surrendered or has had suspended or revoked a
  123  license to solicit insurance by the department or by the
  124  supervising officials of any state.
  125         (d) Whether any insurer or any managing general agent
  126  claims the applicant is indebted under any agency contract or
  127  otherwise and, if so, the name of the claimant, the nature of
  128  the claim, and the applicant’s defense thereto, if any.
  129         (e) Proof that the applicant meets the requirements for the
  130  type of license for which he or she is applying.
  131         (f) The applicant’s gender (male or female).
  132         (g) The applicant’s native language.
  133         (h) The highest level of education achieved by the
  134  applicant.
  135         (i) The applicant’s race or ethnicity (African American,
  136  white, American Indian, Asian, Hispanic, or other).
  137         (j) Such other or additional information as the department
  138  may deem proper to enable it to determine the character,
  139  experience, ability, and other qualifications of the applicant
  140  to hold himself or herself out to the public as an insurance
  141  representative.
  142  
  143  However, the application must contain a statement that an
  144  applicant is not required to disclose his or her race or
  145  ethnicity, gender, or native language, that he or she will not
  146  be penalized for not doing so, and that the department will use
  147  this information exclusively for research and statistical
  148  purposes and to improve the quality and fairness of the
  149  examinations. The department may shall make provisions for
  150  applicants to voluntarily submit their cellular telephone
  151  numbers as part of the application process solely on a voluntary
  152  basis only for the purpose of two-factor authentication of
  153  secure login credentials only.
  154         (3) Each application must be accompanied by payment of any
  155  applicable fee.
  156         (4) An applicant for a license issued by the department
  157  under this chapter must submit a set of the individual
  158  applicant’s fingerprints, or, if the applicant is not an
  159  individual, a set of the fingerprints of the sole proprietor,
  160  majority owner, partners, officers, and directors, to the
  161  department and must pay the fingerprint processing fee set forth
  162  in s. 624.501. Fingerprints must be processed in accordance with
  163  s. 624.34 and used to investigate the applicant’s qualifications
  164  pursuant to s. 626.201. The fingerprints must be taken by a law
  165  enforcement agency or other department-approved entity. The
  166  department may not approve an application for licensure as an
  167  agent, customer service representative, adjuster, or service
  168  representative, or reinsurance intermediary if fingerprints have
  169  not been submitted.
  170         (5) The application for license filing fee prescribed in s.
  171  624.501 is not subject to refund.
  172         (6) Members of the United States Armed Forces and their
  173  spouses, and veterans of the United States Armed Forces who have
  174  separated from service within 24 months before application for
  175  licensure, are exempt from the application filing fee prescribed
  176  in s. 624.501. Qualified individuals must provide a copy of a
  177  military identification card, military dependent identification
  178  card, military service record, military personnel file, veteran
  179  record, discharge paper or separation document that indicates
  180  such members are currently in good standing or such veterans
  181  were honorably discharged.
  182         (7) Pursuant to the federal Personal Responsibility and
  183  Work Opportunity Reconciliation Act of 1996, each party is
  184  required to provide his or her social security number in
  185  accordance with this section. Disclosure of social security
  186  numbers obtained through this requirement must be limited to the
  187  purpose of administration of the Title IV-D program for child
  188  support enforcement.
  189         Section 24. Paragraph (c) of subsection (2) of section
  190  626.292, Florida Statutes, is amended to read:
  191         626.292 Transfer of license from another state.—
  192         (2) To qualify for a license transfer, an individual
  193  applicant must meet the following requirements:
  194         (c) The individual must submit a completed application for
  195  this state which is received by the department within 90 days
  196  after the date the individual became a resident of this state,
  197  along with payment of the applicable fees set forth in s.
  198  624.501 and submission of the following documents:
  199         1. A certification issued by the appropriate official of
  200  the applicant’s home state identifying the type of license and
  201  lines of authority under the license and stating that, at the
  202  time the license from the home state was canceled, the applicant
  203  was in good standing in that state or that the state’s Producer
  204  Database records, maintained by the National Association of
  205  Insurance Commissioners, its affiliates, or subsidiaries,
  206  indicate that the agent or all-lines adjuster is or was licensed
  207  in good standing for the line of authority requested. An
  208  applicant may hold a resident license in another state for 30
  209  days after the Florida resident license has been issued to
  210  facilitate the transfer of licensure between states.
  211         2. A set of the applicant’s fingerprints in accordance with
  212  s. 626.171(4).
  213         Section 25. Subsection (1) of section 626.611, Florida
  214  Statutes, is amended to read:
  215         626.611 Grounds for compulsory refusal, suspension, or
  216  revocation of agent’s, title agency’s, adjuster’s, customer
  217  representative’s, service representative’s, or managing general
  218  agent’s license or appointment.—
  219         (1) The department shall require license reexamination,
  220  deny an application for, suspend, revoke, or refuse to renew or
  221  continue the license or appointment of any applicant, agent,
  222  title agency, adjuster, customer representative, service
  223  representative, or managing general agent, and it shall suspend
  224  or revoke the eligibility to hold a license or appointment of
  225  any such person, if it finds that as to the applicant, licensee,
  226  or appointee any one or more of the following applicable grounds
  227  exist:
  228         (a) Lack of one or more of the qualifications for the
  229  license or appointment as specified in this code.
  230         (b) Material misstatement, misrepresentation, or fraud in
  231  obtaining the license or appointment or in attempting to obtain
  232  the license or appointment.
  233         (c) Failure to pass to the satisfaction of the department
  234  any examination required under this code, including cheating on
  235  an examination required for licensure or violating test center
  236  or examination procedures delivered orally, in writing, or
  237  electronically at the test site by authorized representatives of
  238  the examination program administrator.
  239         (d) If the license or appointment is willfully used, or to
  240  be used, to circumvent any of the requirements or prohibitions
  241  of this code.
  242         (e) Willful misrepresentation of any insurance policy or
  243  annuity contract or willful deception with regard to any such
  244  policy or contract, done either in person or by any form of
  245  dissemination of information or advertising.
  246         (f) If, as an adjuster, or agent licensed and appointed to
  247  adjust claims under this code, he or she has materially
  248  misrepresented to an insured or other interested party the terms
  249  and coverage of an insurance contract with intent and for the
  250  purpose of effecting settlement of claim for loss or damage or
  251  benefit under such contract on less favorable terms than those
  252  provided in and contemplated by the contract.
  253         (g) Demonstrated lack of fitness or trustworthiness to
  254  engage in the business of insurance.
  255         (h) Demonstrated lack of reasonably adequate knowledge and
  256  technical competence to engage in the transactions authorized by
  257  the license or appointment.
  258         (i) Fraudulent or dishonest practices in the conduct of
  259  business under the license or appointment.
  260         (j) Misappropriation, conversion, or unlawful withholding
  261  of moneys belonging to insurers or insureds or beneficiaries or
  262  to others and received in conduct of business under the license
  263  or appointment.
  264         (k) Unlawfully rebating, attempting to unlawfully rebate,
  265  or unlawfully dividing or offering to divide his or her
  266  commission with another.
  267         (l) Having obtained or attempted to obtain, or having used
  268  or using, a license or appointment as agent or customer
  269  representative for the purpose of soliciting or handling
  270  “controlled business” as defined in s. 626.730 with respect to
  271  general lines agents, s. 626.784 with respect to life agents,
  272  and s. 626.830 with respect to health agents.
  273         (m) Willful failure to comply with, or willful violation
  274  of, any proper order or rule of the department or willful
  275  violation of any provision of this code.
  276         (n) Having been found guilty of or having pleaded guilty or
  277  nolo contendere to a misdemeanor directly related to the
  278  financial services business, any felony, or any crime punishable
  279  by imprisonment of 1 year or more under the law of the United
  280  States of America or of any state thereof or under the law of
  281  any other country, without regard to whether a judgment of
  282  conviction has been entered by the court having jurisdiction of
  283  such cases.
  284         (o) Fraudulent or dishonest practice in submitting or
  285  aiding or abetting any person in the submission of an
  286  application for workers’ compensation coverage under chapter 440
  287  containing false or misleading information as to employee
  288  payroll or classification for the purpose of avoiding or
  289  reducing the amount of premium due for such coverage.
  290         (p) Sale of an unregistered security that was required to
  291  be registered, pursuant to chapter 517.
  292         (q) In transactions related to viatical settlement
  293  contracts as defined in s. 626.9911:
  294         1. Commission of a fraudulent or dishonest act.
  295         2. No longer meeting the requirements for initial
  296  licensure.
  297         3. Having received a fee, commission, or other valuable
  298  consideration for his or her services with respect to viatical
  299  settlements that involved unlicensed viatical settlement
  300  providers or persons who offered or attempted to negotiate on
  301  behalf of another person a viatical settlement contract as
  302  defined in s. 626.9911 and who were not licensed life agents.
  303         4. Dealing in bad faith with viators.
  304         Section 26. Section 626.621, Florida Statutes, is amended
  305  to read:
  306         626.621 Grounds for discretionary refusal, suspension, or
  307  revocation of agent’s, adjuster’s, customer representative’s,
  308  service representative’s, or managing general agent’s license or
  309  appointment.—The department may, in its discretion, require a
  310  license reexamination, deny an application for, suspend, revoke,
  311  or refuse to renew or continue the license or appointment of any
  312  applicant, agent, adjuster, customer representative, service
  313  representative, or managing general agent, and it may suspend or
  314  revoke the eligibility to hold a license or appointment of any
  315  such person, if it finds that as to the applicant, licensee, or
  316  appointee any one or more of the following applicable grounds
  317  exist under circumstances for which such denial, suspension,
  318  revocation, or refusal is not mandatory under s. 626.611:
  319         (1) Any cause for which issuance of the license or
  320  appointment could have been refused had it then existed and been
  321  known to the department.
  322         (2) Violation of any provision of this code or of any other
  323  law applicable to the business of insurance in the course of
  324  dealing under the license or appointment.
  325         (3) Violation of any lawful order or rule of the
  326  department, commission, or office.
  327         (4) Failure or refusal, upon demand, to pay over to any
  328  insurer he or she represents or has represented any money coming
  329  into his or her hands belonging to the insurer.
  330         (5) Violation of the provision against twisting, as defined
  331  in s. 626.9541(1)(l).
  332         (6) In the conduct of business under the license or
  333  appointment, engaging in unfair methods of competition or in
  334  unfair or deceptive acts or practices, as prohibited under part
  335  IX of this chapter, or having otherwise shown himself or herself
  336  to be a source of injury or loss to the public.
  337         (7) Willful overinsurance of any property or health
  338  insurance risk.
  339         (8) If a life agent, violation of the code of ethics.
  340         (9) Cheating on an examination required for licensure or
  341  violating test center or examination procedures published
  342  orally, in writing, or electronically at the test site by
  343  authorized representatives of the examination program
  344  administrator. Communication of test center and examination
  345  procedures must be clearly established and documented.
  346         (10) Failure to inform the department in writing within 30
  347  days after pleading guilty or nolo contendere to, or being
  348  convicted or found guilty of, any felony or a crime punishable
  349  by imprisonment of 1 year or more under the law of the United
  350  States or of any state thereof, or under the law of any other
  351  country without regard to whether a judgment of conviction has
  352  been entered by the court having jurisdiction of the case.
  353         (11) Knowingly aiding, assisting, procuring, advising, or
  354  abetting any person in the violation of or to violate a
  355  provision of the insurance code or any order or rule of the
  356  department, commission, or office.
  357         (12) Has been the subject of or has had a license, permit,
  358  appointment, registration, or other authority to conduct
  359  business subject to any decision, finding, injunction,
  360  suspension, prohibition, revocation, denial, judgment, final
  361  agency action, or administrative order by any court of competent
  362  jurisdiction, administrative law proceeding, state agency,
  363  federal agency, national securities, commodities, or option
  364  exchange, or national securities, commodities, or option
  365  association involving a violation of any federal or state
  366  securities or commodities law or any rule or regulation adopted
  367  thereunder, or a violation of any rule or regulation of any
  368  national securities, commodities, or options exchange or
  369  national securities, commodities, or options association.
  370         (13) Failure to comply with any civil, criminal, or
  371  administrative action taken by the child support enforcement
  372  program under Title IV-D of the Social Security Act, 42 U.S.C.
  373  ss. 651 et seq., to determine paternity or to establish, modify,
  374  enforce, or collect support.
  375         (14) Directly or indirectly accepting any compensation,
  376  inducement, or reward from an inspector for the referral of the
  377  owner of the inspected property to the inspector or inspection
  378  company. This prohibition applies to an inspection intended for
  379  submission to an insurer in order to obtain property insurance
  380  coverage or establish the applicable property insurance premium.
  381         (15) Denial, suspension, or revocation of, or any other
  382  adverse administrative action against, a license to practice or
  383  conduct any regulated profession, business, or vocation by this
  384  state, any other state, any nation, any possession or district
  385  of the United States, any court, or any lawful agency thereof.
  386         (16) Taking an action that allows the personal financial or
  387  medical information of a consumer or customer to be made
  388  available or accessible to the general public, regardless of the
  389  format in which the record is stored.
  390         (17) Initiating in-person or telephone solicitation after 9
  391  p.m. or before 8 a.m. local time of the prospective customer
  392  unless requested by the prospective customer.
  393         (18) Cancellation of the applicant’s, licensee’s, or
  394  appointee’s resident license in a state other than Florida.
  395         Section 27. Subsection (1) of section 626.731, Florida
  396  Statutes, is amended to read:
  397         626.731 Qualifications for general lines agent’s license.—
  398         (1) The department may shall not grant or issue a license
  399  as general lines agent to any individual found by it to be
  400  untrustworthy or incompetent or who does not meet each all of
  401  the following qualifications:
  402         (a) The applicant is a natural person at least 18 years of
  403  age.
  404         (b) The applicant is a United States citizen or legal alien
  405  who possesses work authorization from the United States Bureau
  406  of Citizenship and Immigration Services and is a bona fide
  407  resident of this state. An individual who is a bona fide
  408  resident of this state shall be deemed to meet the residence
  409  requirement of this paragraph, notwithstanding the existence at
  410  the time of application for license of a license in his or her
  411  name on the records of another state as a resident licensee of
  412  such other state, if the applicant furnishes a letter of
  413  clearance satisfactory to the department that the resident
  414  licenses have been canceled or changed to a nonresident basis
  415  and that he or she is in good standing.
  416         (c) The applicant’s place of business will be located in
  417  this state and he or she will be actively engaged in the
  418  business of insurance and will maintain a place of business, the
  419  location of which is identifiable by and accessible to the
  420  public.
  421         (d) The license is not being sought for the purpose of
  422  writing or handling controlled business, in violation of s.
  423  626.730.
  424         (e) The applicant is qualified as to knowledge, experience,
  425  or instruction in the business of insurance and meets the
  426  requirements provided in s. 626.732.
  427         (f) The applicant has passed any required examination for
  428  license required under s. 626.221.
  429         Section 28. Subsection (2) of section 626.785, Florida
  430  Statutes, is amended to read:
  431         626.785 Qualifications for license.—
  432         (2) An individual who is a bona fide resident of this state
  433  shall be deemed to meet the residence requirement of paragraph
  434  (1)(b), notwithstanding the existence at the time of application
  435  for license of a license in his or her name on the records of
  436  another state as a resident licensee of such other state, if the
  437  applicant furnishes a letter of clearance satisfactory to the
  438  department that the resident licenses have been canceled or
  439  changed to a nonresident basis and that he or she is in good
  440  standing.
  441         Section 29. Section 626.831, Florida Statutes, is amended
  442  to read:
  443         626.831 Qualifications for license.—
  444         (1) The department may shall not grant or issue a license
  445  as health agent as to any individual found by it to be
  446  untrustworthy or incompetent, or who does not meet all of the
  447  following qualifications:
  448         (1)(a)Is Must be a natural person of at least 18 years of
  449  age.
  450         (2)(b)Is Must be a United States citizen or legal alien
  451  who possesses work authorization from the United States Bureau
  452  of Citizenship and Immigration Services and is a bona fide
  453  resident of this state.
  454         (3)(c)Is Must not be an employee of the United States
  455  Department of Veterans Affairs or state service office, as
  456  referred to in s. 626.833.
  457         (4)(d)Has taken Must take and passed pass any examination
  458  for license required under s. 626.221.
  459         (5)(e)Is Must be qualified as to knowledge, experience, or
  460  instruction in the business of insurance and meets meet the
  461  requirements relative thereto provided in s. 626.8311.
  462         (2) An individual who is a bona fide resident of this state
  463  shall be deemed to meet the residence requirement of paragraph
  464  (1)(b), notwithstanding the existence at the time of application
  465  for license of a license in his or her name on the records of
  466  another state as a resident licensee of such other state, if the
  467  applicant furnishes a letter of clearance satisfactory to the
  468  department that the resident licenses have been canceled or
  469  changed to a nonresident basis and that he or she is in good
  470  standing.
  471         Section 30. Subsections (4) and (5) of section 626.8417,
  472  Florida Statutes, are amended to read:
  473         626.8417 Title insurance agent licensure; exemptions.—
  474         (4) Title insurers, acting through designated corporate
  475  officers, or attorneys duly admitted to practice law in this
  476  state and in good standing with The Florida Bar are exempt from
  477  the provisions of this chapter relating to title insurance
  478  licensing and appointment requirements.
  479         (5) An insurer may designate a corporate officer of the
  480  insurer to occasionally issue and countersign binders,
  481  commitments, and policies of title insurance. The designated
  482  officer is exempt from the provisions of this chapter relating
  483  to title insurance licensing and appointment requirements while
  484  the officer is acting within the scope of the designation.
  485         Section 31. Subsection (9) is added to section 626.8473,
  486  Florida Statutes, to read:
  487         626.8473 Escrow; trust fund.—
  488         (9) Notwithstanding any other law, a person or entity
  489  licensed under this chapter to transact real property settlement
  490  business may perform closing services in connection with a
  491  residential real estate transaction, including receiving,
  492  holding, and disbursing closing funds, conducting the closing,
  493  and preparing and presenting documents necessary to close the
  494  transaction, regardless of whether an insurance binder,
  495  commitment, or policy is issued, provided that any deed,
  496  mortgage, or other instrument affecting an interest in real
  497  property used in the transaction is prepared or reviewed by an
  498  attorney licensed to practice law in this state. The performance
  499  of such services under this subsection does not constitute the
  500  unauthorized practice of law if the licensee does not provide
  501  legal advice or counsel.
  502  
  503  ================= T I T L E  A M E N D M E N T ================
  504  And the title is amended as follows:
  505         Delete lines 119 - 155
  506  and insert:
  507         under certain circumstances; amending s. 560.104,
  508         F.S.; revising the entities that are exempt from ch.
  509         560, F.S.; amending s. 560.309, F.S.; revising the
  510         provisions that a licensee must comply with in seeking
  511         collection of worthless payment instruments; amending
  512         s. 560.405, F.S.; providing that redemption in cash or
  513         through a debit card transaction shall be treated the
  514         same; prohibiting payment through a credit card
  515         transaction; amending s. 560.406, F.S.; requiring
  516         deferred presentment providers to comply with the Fair
  517         Debt Collections Practices Act only if such deferred
  518         presentment providers meet certain criteria; amending
  519         s. 626.0428, F.S.; conforming a provision to changes
  520         made by the act; amending s. 626.171, F.S.; deleting
  521         reinsurance intermediaries from certain application
  522         requirements; revising the list of persons from whom
  523         the department is required to accept uniform
  524         applications; making clarifying changes regarding the
  525         voluntary submission of cellular telephone numbers;
  526         revising the exemption from the application filing fee
  527         for members of the United States Armed Forces;
  528         amending s. 626.292, F.S.; revising applicant
  529         requirements for a license transfer; amending s.
  530         626.611, F.S.; requiring the department to require
  531         license reexamination of certain persons and to
  532         suspend or revoke the eligibility of such persons to
  533         hold a license or appointment under certain
  534         circumstances; amending the grounds for suspension or
  535         revocation; amending s. 626.621, F.S.; authorizing the
  536         department to require a license reexamination for
  537         certain persons; amending s. 626.731, F.S.; revising
  538         the qualifications for a general lines agent’s
  539         license; amending s. 626.785, F.S.; revising the
  540         qualifications for a life agent’s license; amending s.
  541         626.831, F.S.; revising the qualifications for a
  542         health agent’s license; amending s. 626.8417, F.S.;
  543         revising the list of persons who are exempt from
  544         certain provisions relating to title insurance
  545         licensing and appointment requirements; amending s.
  546         626.8473, F.S.; authorizing certain persons or
  547         entities to perform closing services under certain
  548         circumstances; providing construction;