SESSION WATCH
Superseded — its companion passed HOUSE · SESSION 2026

No. CS/CS/CS/HB 1221

Department of Financial Services
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SPONSOR
Commerce Committee; State Administration Budget Subcommittee; Insurance & Banking Subcommittee; LaMarca
FILED BY
Chip LaMarca — District 100, Republican [search donations]
EFFECTIVE
upon becoming a law
COMPANION
CS/CS/CS/SB 1452 — CS/CS/CS/HB 1221 was set aside and its companion carried the policy

Filed under Insurance.

PROVIDED SUMMARY

Department of Financial Services; Revises provisions related to DFS including financial subsystems, warrants, firefighter employment, , My Safe Florida Home & Condominium Programs, payments, coordinating council, licensing & examination, fire safety, fire codes, licensee requirements, deferred payment processors, public adjusters, bail bonds, abandoned & unclaimed property, & legal tender.

Full bill text →

Plain English Summary

AI-GENERATED
Caps discounts on buyouts of unclaimed property at 30 percent.

Buyers who purchase a Floridian's claim to state-held unclaimed property must now pay at least 70 percent of its value. The agreement must be notarized, and the seller gets 15 business days to cancel it.

A new disqualification law permanently bars anyone convicted of a first-degree felony, sexual battery, child abuse, elder abuse, or another felony involving moral turpitude from a funeral, cemetery, or preneed sales license. Lesser felonies carry a 10-year bar.

Condominium associations can only get My Safe Florida hurricane-mitigation grants if at least 80 percent of occupied units are held by households at or below 80 percent of the area median income, on top of the existing three-story rule.

Public officials may now hire, promote, or advance a relative into a firefighter job if a competitive process set out in a union contract governs the hire, a new exception to Florida's anti-nepotism law.

KEY PROVISIONS
§ 1 Caps discounts on purchases of unclaimed-property claims majors. 717.1356

AIA new statute regulating cash buyouts of a Floridian's unclaimed property requires the purchase price to equal at least 70 percent of the property's value, a notarized written agreement in at least 12-point type, and a 15-business-day right for the seller to cancel without penalty.

“purchase price does not discount the total value of all abandoned property subject to the sale by more than 30 percent” bill text, line 4294 →
§ 2 Requires a second, certified-mail notice before high-value property is seized majors. 717.117

AIBefore Florida can take custody of unclaimed property worth more than $1,000, the holder must send a second notice by certified mail with return receipt requested, on top of the standard first-class mail notice, at least 60 days before filing the report.

“the holder shall send a second written notice by certified United States mail, return receipt requested, to the apparent owner's last known address” bill text, line 2873 →
§ 3 Permanently bars certain felons from funeral and cemetery licenses majors. 497.1411

AIA new statute permanently bars anyone convicted of a first-degree felony, a felony involving moral turpitude, or a felony under the chapters covering sexual battery, prostitution, lewdness, or abuse of children or the elderly from ever being licensed under chapter 497, which covers funeral directing, embalming, and cemetery operations.

“regardless of adjudication, is permanently barred from licensure under this chapter” bill text, line 1242 →
§ 4 Adds an income test to the condominium hurricane-mitigation grants majors. 215.55871

AICondominium associations can now join the My Safe Florida Condominium pilot program only if at least 80 percent of occupied units are owned or rented by people or families at or below 80 percent of the area median income, on top of the existing rule that the building be 3 or more stories.

“at least 80 percent of the occupied units within the condominium are owned or occupied by a person” bill text, line 769 →
§ 5 Lets fire departments hire a relative through a union hiring process majors. 112.3135

AIThe anti-nepotism law now lets a public official appoint, employ, promote, or advance a relative as a firefighter, so long as the hire happens through a competitive process spelled out in a collective bargaining agreement.

“a public official may appoint, employ, promote, or advance, or advocate for the appointment, employment, promotion, or advancement of a relative as a firefighter” bill text, line 408 →
§ 6 Extends how long stock and business debt can sit dormant moderates. 717.1101

AIThe presumption that stock, dividends, and business debt are abandoned now takes 5 years of no contact instead of 3, and equity or brokerage accounts are not presumed abandoned at all if the holder can show it still knows how to reach the owner.

“are not presumed abandoned solely due to inactivity if the holder knows the location of the apparent owner” bill text, line 2714 →
§ 7 Requires claimant representatives to work 10 claims a year to stay registered moderates. 717.1400

AIAttorneys, CPAs, and investigators registered to file unclaimed-property claims for a fee must file and get paid on at least 10 claims per calendar year or lose their registration for a year, and new applicants must disclose past felony convictions involving dishonesty or breach of fiduciary duty.

“a claimant representative must file and obtain payment on at least 10 claims per calendar year following the date of initial registration” bill text, line 4634 →
§ 8 Exempts small group homes and farmworker housing from code reclassification moderates. 553.80

AIA single-family or two-family dwelling used as a small group home for people with mental health disorders, run by a 501(c)(3) charity, or as permitted migrant farmworker housing is no longer reclassified into a different occupancy category under the building or fire code solely because of that use.

“occupied by a group or family of no more than six ambulatory adults living with a mental health disorder” bill text, line 1865 →
TIMELINE
3/11/2026
Laid on Table; Companion bill(s) passed, see CS/CS/CS/SB 1452 (Ch....
3/2/2026
Added to Second Reading Calendar
3/2/2026
1st Reading (Committee Substitute 3)
3/2/2026
Bill referred to House Calendar
3/2/2026
CS Filed
3/2/2026
Laid on Table under Rule 7.18(a)
3/2/2026
Reported out of Commerce Committee
2/26/2026
Favorable with CS by Commerce Committee
2/24/2026
Added to Commerce Committee agenda
2/16/2026
Now in Commerce Committee
2/16/2026
Referred to Commerce Committee
2/13/2026
1st Reading (Committee Substitute 2)
2/13/2026
CS Filed
2/13/2026
Laid on Table under Rule 7.18(a)
2/12/2026
Reported out of State Administration Budget Subcommittee
2/12/2026
Favorable with CS by State Administration Budget Subcommittee
2/10/2026
Added to State Administration Budget Subcommittee agenda
2/6/2026
Now in State Administration Budget Subcommittee
2/6/2026
Referred to Commerce Committee
2/6/2026
Referred to State Administration Budget Subcommittee
2/4/2026
1st Reading (Committee Substitute 1)
2/4/2026
CS Filed
2/4/2026
Laid on Table under Rule 7.18(a)
2/4/2026
Reported out of Insurance & Banking Subcommittee
2/3/2026
Favorable with CS by Insurance & Banking Subcommittee
1/30/2026
Added to Insurance & Banking Subcommittee agenda
1/15/2026
Now in Insurance & Banking Subcommittee
1/15/2026
Referred to Commerce Committee
1/15/2026
Referred to State Administration Budget Subcommittee
1/15/2026
Referred to Insurance & Banking Subcommittee
1/13/2026
1st Reading (Original Filed Version)
1/8/2026
Filed
26 EARLIER →
STATUTES IT CHANGES
s. 17.11
+4 / −8
s. 17.13
+6 / −6
s. 110.113
+0 / −12
s. 112.3135
+62 / −0
s. 215.422
+31 / −4
s. 215.5586
+379 / −167
STAFF ANALYSES