The bill establishes the Office of the Homeowners Association Ombudsman within the Division of Florida Condominiums, Timeshares, and Mobile Homes, which will be funded by the General Appropriations Act. The Governor will appoint a licensed attorney as the ombudsman, who, along with their staff, is prohibited from engaging in certain political activities or holding conflicting positions. The office will monitor homeowners association elections, appoint election monitors, and assist in resolving disputes between parcel owners and associations. Additionally, the bill outlines the responsibilities of the Division, granting it jurisdiction to investigate complaints, enforce compliance, conduct investigations, issue subpoenas, and impose civil penalties for non-compliance, while also providing educational resources for board members and parcel owners.

The bill introduces amendments to existing laws governing homeowners associations, including provisions for the removal of board members, the requirement for associations to maintain insurance policies or fidelity bonding, and the establishment of education requirements for board members. It mandates the division to acknowledge complaints within 30 days and take action within 90 days, emphasizing cooperation from association directors during investigations. The bill also requires associations to create and maintain an online account with the division by October 1, 2027, and mandates annual updates to contact information. Furthermore, it empowers the division to refer suspected cases of fraud to law enforcement and attend board meetings to ensure compliance, with the act set to take effect on July 1, 2026.