The bill amends section 559.72 of the Florida Statutes, which outlines prohibited practices in consumer debt collection. A significant change is the clarification regarding communication methods, specifically allowing e-mail communication outside the previously restricted hours of 9:00 p.m. to 8:00 a.m. This amendment recognizes the less invasive nature of e-mail compared to telephone calls, which were the only form of communication explicitly mentioned in the original statute. The new language states that e-mail communication that complies with the section is exempt from the time restrictions.

Additionally, the bill reenacts several related statutes to ensure they incorporate the amendments made to section 559.72. These include provisions related to enforcement actions against out-of-state debt collectors, consumer complaints, civil remedies, and definitions relevant to the debt collection process. The bill aims to modernize and clarify the regulations surrounding consumer debt collection practices, reflecting changes in communication technology and ensuring that consumers are protected from harassment while allowing for more flexible communication methods. The act will take effect upon becoming law.

Statutes affected:
H 147 Filed: 559.72
H 147 c1: 559.72
H 147 c2: 559.72