THE BILL ITSELF
HB 1493
Housing
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A bill to be entitled
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An act relating to housing; providing a short title;
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amending ss. 125.0103 and 166.043, F.S.; removing
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provisions prohibiting municipalities, counties, or
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other entities of local government from adopting or
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maintaining certain laws relating to rent control;
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creating s. 166.0452, F.S.; providing definitions;
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authorizing municipalities and counties to create
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community land bank programs for a certain purpose;
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requiring certain municipalities and counties to
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develop and annually adopt a community land bank plan;
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providing requirements for such plan; requiring a
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public hearing on the proposed plan before its
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adoption; requiring notice to certain entities;
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requiring the proposed plan to be made public within a
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certain timeframe before the public hearing; providing
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requirements for the sale of certain property to land
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banks; providing that such sale is for a public
19
purpose; prohibiting certain persons from challenging
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the market value of a property under certain
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circumstances; requiring written notice of a sale of
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such property to be provided to certain persons in a
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certain manner within a specified timeframe;
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authorizing the owner of certain property to contest
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the sale of such property and requiring such property
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to be sold in a different manner; specifying that the
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owner of certain property is not entitled to proceeds
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from the sale and is not liable for certain
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deficiencies; authorizing land banks to buy certain
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property for less than market value under certain
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circumstances; conveying the right, title, and
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interest in certain property to land banks; requiring
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land banks to offer qualified organizations a right of
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first refusal to purchase certain property; providing
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requirements for the right of first refusal; providing
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conditions for the subsequent resale of property
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acquired by land banks; requiring certain deed
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restrictions on certain property; providing
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requirements for such deed restrictions; authorizing
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the modification of or addition to deed restrictions;
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requiring land banks to maintain certain records;
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requiring land banks to file annual audited financial
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statements within a certain timeframe; requiring land
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banks to submit an annual performance report to the
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municipality or county, as applicable, by a certain
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date; providing requirements for such report;
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requiring copies of such report to be provided to
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certain entities and made available for public review;
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authorizing land banks to acquire real property in
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specified manners and to hold, manage, and dispose of
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such real property in accordance with the community
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land bank plan; requiring a specified percentage of
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certain taxes collected to be remitted to a land bank
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for a specified duration; requiring such funds to be
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remitted to a land bank in accordance with certain
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procedures; providing applicability; creating s.
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215.55866, F.S.; requiring the Department of Financial
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Services to adopt a home resiliency grading scale for
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a specified purpose; providing requirements for the
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grading scale; requiring the department to create a
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program that uses the grading scale for a specified
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purpose; providing requirements for the program;
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requiring the department to adopt rules; creating s.
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215.55867, F.S.; establishing the Innovative
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Mitigation Solutions Pilot Program within the
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Department of Financial Services for a specified
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purpose; allowing mortgage lenders and property
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insurers to submit proposals to the department that
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include certain information; authorizing the
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department to waive or develop certain rules in order
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to implement the proposal; requiring the department to
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adopt rules; creating s. 220.1851, F.S.; providing
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definitions; authorizing a tax credit for certain
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projects; providing the maximum value of such credit;
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authorizing the Florida Housing Finance Corporation to
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allocate the tax credit among certain projects;
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authorizing the tax credit to be transferred by the
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recipient; requiring the Department of Revenue to
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adopt rules; authorizing a tax credit allocation to be
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used for certain eligible costs; authorizing a tax
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credit allocation to be carried forward for a
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specified timeframe; amending ss. 420.0005 and
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420.9079, F.S.; requiring certain agencies to provide
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a report to the Legislature relating to the use of
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specified transferred funds; requiring the repayment
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of certain funds; creating s. 420.50931, F.S.;
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creating the Retail-to-residence Tax Credit Program
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for a certain purpose; requiring the Florida Housing
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Finance Corporation to determine which projects are
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eligible for the tax credit; requiring the corporation
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to establish and adopt certain procedures and to
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prepare a specified annual plan; requiring such plan
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to be approved by the Governor; authorizing the
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corporation to exercise certain powers; requiring the
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board of directors of the corporation to administer
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certain procedures and determine allocations on behalf
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of the corporation; providing requirements for certain
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procedures; requiring taxpayers to submit an
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application with certain information to the
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corporation; authorizing the corporation to request
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additional information; providing requirements for the
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approval of an application for a project; creating s.
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420.5312, F.S.; creating the Affordable Housing
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Construction Loan Program for a certain purpose;
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providing the Florida Housing Finance Corporation with
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certain powers and responsibilities relating to the
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program; providing requirements for the program;
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providing rulemaking authority; creating s. 542.37,
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F.S.; providing definitions; providing that certain
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actions are a violation of the Florida Antitrust Act
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of 1980; providing applicability; requiring the Office
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of the Attorney General to develop a public education
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program and post certain information on the Attorney
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General's website; authorizing the Office of the
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Attorney General to adopt rules; amending s. 627.0613,
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F.S.; revising the powers of the consumer advocate
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appointed by the Chief Financial Officer; specifying
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that failure to obey certain court orders may be
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punished as contempt; authorizing a circuit court to
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order a person to pay certain expenses; amending s.
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627.062, F.S.; prohibiting the Office of Insurance
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Regulation from approving certain rate filings;
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authorizing the consumer advocate to request a
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specified administrative hearing and an expedited
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appellate review; creating s. 692.041, F.S.; providing
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definitions; prohibiting certain business entities
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from purchasing, acquiring, or otherwise obtaining
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certain property and subsequently leasing or renting
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such property; specifying that certain sellers are not
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liable for certain violations; beginning on a date
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certain, prohibiting certain business entities from
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purchasing, acquiring, or offering to purchase or
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acquire certain property unless such property has been
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listed for sale to the general public for a specified
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timeframe; requiring certain business entities to
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complete and retain for inspection by the Department
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of Legal Affairs a specified notice; requiring all
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ownership interests held by certain business entities
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to be aggregated; authorizing the Attorney General to
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bring a civil action; providing remedies; providing
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construction; amending s. 83.67, F.S.; conforming a
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provision to changes made by the act; amending ss.
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542.21, 542.22, 542.25, and 542.32, F.S.; conforming
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cross-references; providing an effective date.
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Be It Enacted by the Legislature of the State of Florida:
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Section 1. This act may be cited as the "Real Affordable
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Housing Relief Act."
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Section 2. Subsection (2) of section 125.0103, Florida
151
Statutes, is amended to read:
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125.0103 Ordinances and rules imposing price controls.—
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(2) A municipality, county, or other entity of local
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government may not adopt or maintain in effect any law,
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ordinance, rule, or other measure that would have the effect of
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imposing controls on rents.
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Section 3. Subsection (2) of section 166.043, Florida
158
Statutes, is amended to read:
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166.043 Ordinances and rules imposing price controls.—
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(2) A municipality, county, or other entity of local
161
government may not adopt or maintain in effect any law,
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ordinance, rule, or other measure that would have the effect of
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imposing controls on rents.
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Section 4. Section 166.0452, Florida Statutes, is created to read:
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166.0452 Community Land Bank Program.—
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(1) As used in this section, the term:
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(a) "Affordable" has the same meaning as in s. 420.0004.
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(b) "Community housing development organization" has the
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same meaning as in s. 420.503.
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(c) "Community land bank plan" or "plan" means a plan
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adopted by the governing body of a municipality or county to
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implement a community land bank program.
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(d) "Community land bank program" or "program" means the
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program created by a governing body of a municipality or county
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under this section.
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(e) "Land bank" means an entity established or approved by
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the governing body of a municipality or county for the purpose
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of acquiring, holding, and transferring unimproved real property
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under this section.
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(f) "Low-income household" has the same meaning as in s.
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420.9071.
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(g) "Qualified organization" means a community housing
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development organization that meets all of the following
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criteria:
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1. Contains within its designated geographical boundaries
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of operation, as set forth in its application for certification
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filed with and approved by the municipality or county, a portion
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of the property that a land bank is offering for sale.
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2. Has built at least three single-family homes or
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duplexes or one multifamily residential dwelling of four or more
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housing units in compliance with all applicable building codes
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within the preceding 2-year period and within the organization's
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designated geographical boundaries of operation.
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3. Has developed or rehabilitated housing units within the
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preceding 3-year period which are within a 2-mile radius of the
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property that a land bank is offering for sale.
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(h) "Qualified participating developer" means a developer
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that meets all of the following criteria:
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1. Has developed three or more housing units within the 3-
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year period preceding its submission of a proposal to the land
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bank seeking to acquire real property from a land bank.
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2. Has a development plan approved by the governing body
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of the municipality or county for the property acquired from a
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land bank.
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3. Any other requirements adopted by the governing body of
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the municipality or county in its community land bank plan.
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The term includes a qualified organization.
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(i) "Very-low-income household" has the same meaning as in
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s. 420.9071.
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(2) The governing body of a municipality or county may
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create a community land bank program in which the person charged
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with selling real property pursuant to a foreclosure judgment
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may sell certain eligible real property by private sale for
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purposes of affordable housing developments. The governing body
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of a municipality or county that adopts a community land bank
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program shall establish or approve a land bank for the purpose
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of acquiring, holding, and transferring unimproved real property
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under this section.
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(3)(a) The governing body of a municipality or county that
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creates a community land bank program shall operate the program
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in conformance with a community land bank plan that the
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municipality or county adopts annually. The plan may be amended
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as needed.
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(b) In developing the plan, the governing body of a
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municipality or county shall consider other housing plans
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adopted by the governing body, including the comprehensive plan
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submitted to the United States Department of Housing and Urban
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Development and all fair housing plans and policies adopted or
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agreed to by the governing body.
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(c) The plan must include, at a minimum, all of the
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following:
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1. A list of community housing development organizations
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eligible to participate in the right of first refusal under
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subsection (6). The plan must also include the time period
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during which the right of first refusal may be exercised, which
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time period must be at least 9 months but not more than 26
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months after the date of the deed of conveyance of the property
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to the land bank.
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2. A right of first refusal for any other nonprofit
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corporation exempted from federal income tax under s. 501(c)(3)
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of the United States Internal Revenue Code, provided that the
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preeminent right of first refusal is provided to qualified
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organizations as provided in subsection (6).
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3. A list of the parcels of real property that may be
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eligible for sale to the land bank during the next year.
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4. The municipality's or county's plan for the development
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of affordable housing on those parcels of real property.
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5. The sources and amounts of money the municipality or
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county anticipates to be available for subsidies for the
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development of affordable housing in the municipality or county,
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including any money specifically available for housing developed
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under the program, as approved by the governing body of the
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municipality or county at the time the plan is adopted.
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6. The amount of additional time, if any, that a property
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may be held in the land bank once an offer has been received
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from a qualified participating developer and accepted by the
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land bank.
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(4)(a) Before the adoption of a plan, the governing body
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of a municipality or county must hold a public hearing on the
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proposed plan.
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(b) The city or county manager, or his or her designee,
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must provide notice of the public hearing to all community
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housing development organizations and to the neighborhood
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associations identified by the governing body of the
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municipality or county as serving the neighborhoods in which
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properties anticipated to be available for sale to the land bank
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under this section are located.
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(c) The city or county manager, or his or her designee,
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must make copies of the proposed plan available to the public at
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least 60 days before the date of the public hearing.
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(5)(a) Except as provided in paragraph (f), property that
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is ordered sold pursuant to a foreclosure judgment may be sold
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in a private sale to a land bank by the person charged with the
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sale of the property without first offering the property for
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sale as otherwise provided in chapter 45 if all of the following
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apply:
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1. The market value of the property as specified in the
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judgment of foreclosure is less than the total amount due under
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the judgment, including all taxes, penalties, and interest, plus
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the value of nontax liens held by a taxing unit and awarded by
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the judgment, court costs, and the cost of the sale.
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2. The property is not improved with a building or
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buildings.
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3. There are delinquent taxes on the property for a total
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of at least 5 years.
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4. The governing body of the municipality or county has
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executed an interlocal agreement with the other taxing units
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that are parties to the foreclosure proceeding which enables
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those taxing units to agree to participate in the program while
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retaining the right to withhold consent to the sale of the
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specific properties to the land bank.
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(b) A sale of property for use in connection with the
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program is a sale for a public purpose.
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(c) If the person being sued in a foreclosure proceeding
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does not contest the market value of the property in the
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proceeding, the person waives the right to challenge the amount
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of the market value determined by the court for purposes of the
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sale of the property under s. 45.031.
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(d) For any sale of property under this section, the
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person charged with the sale of the property must provide each
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person who was a defendant to the judgment, or that person's
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attorney, written notice at least 90 days before the date of the
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sale of the proposed method of sale of the property. Such notice
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must be given in accordance with the Florida Rules of Civil
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Procedure.
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(e) After receipt of the notice required under paragraph
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(d) and before the date of the proposed sale, the owner of the
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property subject to the sale may file with the person charged
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with the sale a written request that the property not be sold in
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the manner provided under this section.
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(f) If the person charged with the sale receives a written
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request as provided in paragraph (e), the person must sell the
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property as otherwise provided in chapter 45.
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(g) The owner of the property subject to the sale may not
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receive any proceeds of a sale under this section and does not
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have any personal liability for a deficiency of the judgment as
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a result of a sale under this section.
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(h) If consent is given by the taxing units that are a
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party to the judgment, property may be sold to a land bank for
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less than the market value of the property as specified in the
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judgment or less than the total of all taxes, penalties, and
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interest, plus the value of nontax liens held by a taxing unit
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and awarded by the judgment, court costs, and the cost of the
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sale.
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(i) The deed of conveyance of the property sold to a land
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bank under this section conveys to the land bank the right,
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title, and interest in the property acquired or held by each
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taxing unit that was a party to the judgment, subject to the
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right of redemption.
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(6) After receiving the deed of conveyance of the
333
property, a land bank must first offer the property for sale to
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qualified organizations.
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(a) A land bank must provide notice to qualified
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organizations by certified mail, return receipt requested, at
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least 60 days before the beginning of the time period in which a
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right of first refusal may be exercised according to a
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municipality's or county's community land bank plan.
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(b) If a land bank conveys the property to a qualified
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organization before the expiration of the time period specified
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by the community land bank plan, the interlocal agreement
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executed under subparagraph (5)(a)4. must provide tax abatement
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for the property until the expiration of the time period.
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(c) During the right of first refusal time period, a land
346
bank may not sell the property to a qualified participating
347
developer other than a qualified organization. If all qualified
348
organizations notify the land bank that they are declining to
349
exercise their right of first refusal during the applicable time
350
period, the land bank may sell the property to any other
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qualified participating developer at the same price that the
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land bank offered the property to the qualified organizations.
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(d) If more than one qualified organization expresses an
354
interest in exercising its right of first refusal, the
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organization that has the most geographically compact area
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encompassing a portion of the property as designated it its
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application for certification is given priority.
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(e) A land bank is not required to provide a right of
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first refusal to qualified organizations under this section if
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the land bank is selling property that reverted to the land bank
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as provided under subsection (7).
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(7) Each subsequent resale of property acquired by a land
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bank under this section must comply with the conditions of this
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subsection.
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(a) A land bank must sell a property to a qualified
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participating developer within 3 years after receiving the deed
367
of conveyance of the property for the purpose of construction of
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affordable housing for sale or rent to low-income households or
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very-low-income households. If the land bank has not sold the
370
property within those 3 years, the property must be transferred
371
from the land bank back to the taxing units that were parties to
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the foreclosure judgment for disposition as otherwise allowed
373
under law.
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(b) The number of properties acquired by a qualified
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participating developer under this section on which development
376
has not been completed may not at any time exceed three times
377
the annual average residential production completed by the
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qualified participating developer during the preceding 2-year
379
period, as determined by the governing body of the municipality
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or county. In its community land bank plan, the governing body
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of the municipality or county may increase the number of
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properties a qualified participating developer may acquire.
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(c) The deed conveying a property sold by a land bank must
384
include a right of reverter so that, if the qualified
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participating developer does not apply for a construction permit
386
and close on any construction financing within 2 years after the
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date of the conveyance of the property from the land bank to the
388
qualified participating developer, the property reverts to the
389
land bank for subsequent resale to another qualified
390
participating developer or conveyance to the taxing units as
391
required under paragraph (a).
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(d) The proceeds from sales under this section must be
393
reinvested back into the community land bank program.
394
(8)(a) A land bank must impose deed restrictions on
395
property sold to qualified participating developers requiring
396
the development and sale or rental of the property to low-income
397
households and very-low-income households.
398
(b) At least 25 percent of a land bank's properties sold
399
during any given fiscal year to be developed for sale must be
400
deed restricted for sale to households whose total annual
401
household income does not exceed 60 percent of the area median
402
income, adjusted for household size, for the metropolitan
403
statistical area, or if not within a metropolitan statistical
404
area, within the county in which the household is located, as
405
determined annually by the United States Department of Housing
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and Urban Development.
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(c)1. If the property sold is to be developed for rental
408
units, the deed restrictions must last for at least 20 years and
409
prohibit the exclusion of a person or family from admission to
410
the development based solely on the participation of the person
411
or family in the Housing Choice Voucher Program under s. 8 of
412
the United States Housing Act of 1937, as amended. Additionally,
413
the deed restrictions must require:
414
a. That 100 percent of the rental units be occupied by and
415
affordable to households whose total annual household income
416
does not exceed 60 percent of the area median income, adjusted
417
for household size, for the metropolitan statistical area, or if
418
not within a metropolitan statistical area, within the county in
419
which the household is located, as determined annually by the
420
United States Department of Housing and Urban Development;
421
b. That 40 percent of the rental units be occupied by and
422
affordable to households whose total annual household income
423
does not exceed 50 percent of the area median income, adjusted
424
for household size, for the metropolitan statistical area, or if
425
not within a metropolitan statistical area, within the county in
426
which the household is located, as determined annually by the
427
United States Department of Housing and Urban Development; or
428
c. That 20 percent of the rental units be occupied by and
429
affordable to households whose total annual household income
430
does not exceed 30 percent of the area median income, adjusted
431
for household size, for the metropolitan statistical area, or if
432
not within a metropolitan statistical area, within the county in
433
which the household is located, as determined annually by the
434
United States Department of Housing and Urban Development.
435
2. The owner of a development with deed restrictions
436
required under this paragraph must file an annual occupancy
437
report with the municipality or county, as applicable, on a form
438
adopted by the governing body of the municipality or county.
439
(d) Except as otherwise provided in this section, if the
440
deed restrictions imposed under this subsection are for a number
441
of years, the deed restrictions must renew automatically.
442
(e) A land bank or the governing body of a municipality or
443
county may modify or add to the deed restrictions imposed under
444
this subsection. Any modifications or additions made by the
445
governing body of the municipality or county must be adopted by
446
the governing body as part of its community land bank plan and
447
must comply with the restrictions in this subsection.
448
(9)(a) A land bank must keep accurate minutes of its
449
meetings and accurate records and books of account that conform
450
with generally accepted principles of accounting and that
451
clearly reflect the income and expenses of the land bank and all
452
transactions in relation to its property.
453
(b) A land bank must maintain in its records for
454
inspection a copy of the sale settlement statement for each
455
property sold by a qualified participating developer and a copy
456
of the first page of the mortgage note with the interest rate
457
and indicating the volume and page number of the instrument as
458
filed with the county clerk.
459
(c) Within 90 days after the close of its fiscal year, a
460
land bank must file with the municipality or county, as
461
applicable, an annual audited financial statement prepared by a
462
certified public accountant. The financial transactions of the
463
land bank are subject to audit by the municipality or county.
464
(d) For purposes of evaluating the effectiveness of the
465
program, a land bank must submit an annual performance report to
466
the municipality or county, as applicable, by November 1 of each
467
year in which the land bank acquires or sells property under
468
this section. The performance report must include all of the
469
following:
470
1. A complete and detailed written accounting of all money
471
and properties received and disbursed by the land bank during
472
the preceding fiscal year.
473
2. For each property acquired by the land bank during the
474
preceding fiscal year:
475
a. The street address of the property.
476
b. The legal description of the property.
477
c. The date on which the land bank took title to the
478
property.
479
d. The full name and street address of the property owner
480
of record at the time of the foreclosure proceeding.
481
3. For each property sold by the land bank to a qualified
482
participating developer during the preceding fiscal year:
483
a. The street address of the property.
484
b. The legal description of the property.
485
c. The full name and mailing address of the developer.
486
d. The purchase price paid by the developer.
487
e. The maximum incomes allowed for the households by the
488
terms of the sale.
489
f. The source and amount of any public subsidy provided by
490
the municipality or county to facilitate the sale or rental of
491
the property to a household within the targeted income range.
492
4. For each property sold by a qualified participating
493
developer during the preceding fiscal year, the buyer's
494
household income and a description of all use and sale
495
restrictions.
496
5. For each property developed for rental units with an
497
active deed restriction, a copy of the most recent annual report
498
filed by the owner of the land bank.
499
(e) A land bank must provide copies of the performance
500
report to the taxing units that were parties to the judgment of
501
foreclosure and provide notice of the availability of the
502
performance report for review to the organizations and
503
neighborhood associations identified by the governing body of
504
the municipality or county as serving the neighborhoods in which
505
properties sold to the land bank under this section are located.
506
(f) The land bank and municipality or county, as
507
applicable, must maintain copies of all performance reports and
508
make such reports available for public review.
509
(10) A land bank may acquire real property by donation,
510
devise, purchase, or transfer from a municipality, county, or
511
other governmental entity. Real property acquired under this
512
subsection may be held, managed, and disposed of in accordance
513
with this section and the community land bank plan developed
514
under subsection (3).
515
(11) Exclusive of any state or school district ad valorem
516
tax, up to 75 percent of the taxes collected pursuant to state
517
law on real property conveyed by a land bank must be remitted to
518
the land bank. The allocation of property tax revenues begins in
519
the first taxable year after the date of the conveyance of real
520
property and continues for 5 years. The funds from such property
521
tax revenues must be remitted to the land bank in accordance
522
with the administrative procedures established by the tax
523
commissioner or tax collector of the county or counties in which
524
the land bank is located.
525
(12) This section does not apply to property acquired
526
through an eminent domain action.
527
Section 5. Section 215.55866, Florida Statutes, is created
528
to read:
529
215.55866 Uniform home resiliency grading scale and
530
database.—
531
(1) The department shall:
532
(a) Adopt a uniform home resiliency grading scale to
533
measure the ability of a home to withstand the wind load from a
534
sustained severe tropical storm or hurricane. The rating system
535
must:
536
1. Be easy to understand by property owners.
537
2. Use objective standards and proven mitigation
538
techniques.
539
(b) Create a program that facilitates the sharing of
540
information on the resiliency of housing stock using the grading
541
scale created in paragraph (a) through a database maintained by
542
the commission. The program must allow insurance companies,
543
mortgage lenders, and others involved in risk financing to
544
access the information.
545
(2) The department shall adopt rules to implement this
546
section.
547
Section 6. Section 215.55867, Florida Statutes, is created
548
to read:
549
215.55867 Innovative Mitigation Solutions Pilot Program—
550
(1) There is established within the department the
551
Innovative Mitigation Solutions Pilot Program to allow mortgage
552
lenders and property insurers to develop new financial products
553
to promote and finance mitigation of residential property.
554
(2) Mortgage lenders and property insurers may submit
555
proposals for new financial products to the commission. The
556
proposal must include information on any regulatory changes
557
needed for implementation.
558
(3) The department may offer a waiver from existing
559
regulations, or develop new regulations, in order to implement
560
the proposal.
561
(4) The department shall adopt rules to implement this
562
section.
563
Section 7. Section 220.1851, Florida Statutes, is created
564
to read:
565
220.1851 Retail-to-residence tax credit.—
566
(1) As used in this section, the term:
567
(a) "Credit period" means the period of 5 years beginning
568
with the year a project is completed.
569
(b) "Designated project" means a qualified project
570
designated pursuant to s. 420.50931 to receive the tax credit
571
under this section.
572
(c) "Qualified project" means a project to redevelop a
573
structure that was originally developed as a shopping center to
574
provide appropriate and affordable workforce housing.
575
(d) "Shopping center" means an area designed to provide
576
space for multiple storefronts within a single building or
577
sharing a common parking lot.
578
(2)(a) There shall be allowed a tax credit of up to 9
579
percent, but no more than necessary to make the project
580
feasible, of the total cost of a designated project for each
581
year of the credit period against any tax due for a taxable year
582
under this chapter.
583
(b) The tax credit shall be allocated among designated
584
projects by the Florida Housing Finance Corporation as provided
585
in s. 420.50931.
586
(c) A tax credit allocated to a designated project may be
587
subject to transfer by the recipient. Such transferred credits
588
may not be transferred again. The department shall adopt rules
589
necessary to administer this paragraph.
590
(d) A tax credit allocation may be used for eligible
591
costs, including, but not limited to, structural modifications,
592
Florida Building Code compliance, utility upgrades, interior
593
reconfigurations, and accessibility improvements, necessary to
594
convert a shopping center into appropriate and affordable
595
workforce housing.
596
(e) Any unused tax credit allocation may be carried
597
forward for up to 1 fiscal year.
598
Section 8. Section 420.0005, Florida Statutes, is amended
599
to read:
600
420.0005 State Housing Trust Fund; State Housing Fund.—
601
(1) There is established in the State Treasury a separate
602
trust fund to be named the "State Housing Trust Fund." There
603
shall be deposited in the fund all moneys appropriated by the
604
Legislature, or moneys received from any other source, for the
605
purpose of this chapter, and all proceeds derived from the use
606
of such moneys. The fund shall be administered by the Florida
607
Housing Finance Corporation on behalf of the department, as
608
specified in this chapter. Money deposited to the fund and
609
appropriated by the Legislature must, notwithstanding the
610
provisions of chapter 216 or s. 420.504(3), be transferred
611
quarterly in advance, to the extent available, or, if not so
612
available, as soon as received into the State Housing Trust
613
Fund, and subject to the provisions of s. 420.5092(6)(a) and (b)
614
by the Chief Financial Officer to the corporation upon
615
certification by the Secretary of Commerce that the corporation
616
is in compliance with the requirements of s. 420.0006. The
617
certification made by the secretary shall also include the split
618
of funds among programs administered by the corporation and the
619
department as specified in chapter 92-317, Laws of Florida, as
620
amended. Moneys advanced by the Chief Financial Officer must be
621
deposited by the corporation into a separate fund established
622
with a qualified public depository meeting the requirements of
623
chapter 280 to be named the "State Housing Fund" and used for
624
the purposes of this chapter. Administrative and personnel costs
625
incurred in implementing this chapter may be paid from the State
626
Housing Fund, but such costs may not exceed 5 percent of the
627
moneys deposited into such fund. To the State Housing Fund shall
628
be credited all loan repayments, penalties, and other fees and
629
charges accruing to such fund under this chapter. It is the
630
intent of this chapter that all loan repayments, penalties, and
631
other fees and charges collected be credited in full to the
632
program account from which the loan originated. Moneys in the
633
State Housing Fund which are not currently needed for the
634
purposes of this chapter shall be invested in such manner as is
635
provided for by statute. The interest received on any such
636
investment shall be credited to the State Housing Fund.
637
(2) For any funds transferred from the State Housing Trust
638
Fund in accordance with s. 215.32:
639
(a) An agency receiving funds that originated from the
640
State Housing Trust Fund must provide a report to the
641
Legislature identifying with specificity the manner in which the
642
funds were spent. The report must be submitted within 30 days
643
after the close of the fiscal year in which the funds are
644
expended.
645
(b) Any funds appropriated from the State Housing Trust
646
Funds for uses other than those specified in this chapter must
647
be repaid within 5 years after the date on which the funds were
648
appropriated.
649
Section 9. Section 420.50931, Florida Statutes, is created
650
to read:
651
420.50931 Retail-to-residence Tax Credit Program.—
652
(1) There is created the Retail-to-residence Tax Credit
653
Program for the purpose of redeveloping shopping centers into
654
appropriate and affordable workforce housing.
655
(2) The corporation shall determine those qualified
656
projects, as defined in s. 220.1851(1), which shall be
657
considered designated projects under s. 220.1851 and eligible
658
for the corporate tax credit under that section. The corporation
659
shall establish procedures necessary for the proper allocation
660
and distribution of tax credits, including the establishment of
661
criteria for ensuring that the housing is appropriate and
662
affordable for the workers of this state, and may exercise all
663
powers necessary to administer the allocation of such credits.
664
The board of directors of the corporation shall administer the
665
allocation procedures and determine allocations on behalf of the
666
corporation. The corporation shall prepare an annual plan, which
667
must be approved by the Governor, containing general guidelines
668
for the allocation of tax credits to designated projects.
669
(3) The corporation shall adopt allocation procedures to
670
ensure that tax credits are used in a fair manner, taking into
671
consideration the timeliness of the application, the location of
672
the proposed project, the relative need in the area for
673
appropriate and affordable workforce housing and the
674
availability of such housing, the economic feasibility of the
675
proposed project, and the ability of the applicant to complete
676
the proposed project in the calendar year for which the tax
677
credit is sought.
678
(4)(a) A taxpayer who wishes to participate in the Retail-
679
to-residence Tax Credit Program must submit an application for
680
tax credit to the corporation. The application must identify the
681
proposed project and the location of the proposed project and
682
include evidence that the proposed project is a qualified
683
project as defined in s. 220.1851(1). The corporation may
684
request any information from an applicant necessary to enable
685
the corporation to make tax credit allocations according to the
686
procedures adopted under subsection (3).
687
(b) The corporation's approval of an application for a
688
project must be in writing and include a statement of the
689
maximum tax credit allowable to the applicant. Section 10. Section 420.5312, Florida Statutes, is created
691
to read:
692
420.5312 Affordable Housing Construction Loan Program.—
693
(1) The Affordable Housing Construction Loan Program is
694
created to encourage the new construction of affordable homes
695
for purchase by low to moderate income homebuyers by providing a
696
revolving line of construction funding.
697
(2) The corporation is authorized to provide loans under
698
the program to applicants for the construction of affordable
699
housing. Applicants may draw from the loan up to five times per
700
home. All homes must meet the requirements of the Florida
701
Building Code or, if more stringent, local amendments to the
702
Florida Building Code.
703
(3) Qualified homebuyers of homes built under this program
704
must be first-time homebuyers whose total annual household
705
income does not exceed 120 percent of the area median income,
706
adjusted for household size, for the metropolitan statistical
707
area, or if not within a metropolitan statistical area, within
708
the county in which the home is located, as determined annually
709
by the United States Department of Housing and Urban
710
Development.
711
(4) The corporation shall develop a loan application
712
process for the program.
713
(5) The corporation may adopt rules pursuant to ss.
714
120.536(1) and 120.54 to implement this section. Section 11. Section 420.9079, Florida Statutes, is amended
716
to read:
717
420.9079 Local Government Housing Trust Fund.—
718
(1) There is created in the State Treasury the Local
719
Government Housing Trust Fund, which shall be administered by
720
the corporation on behalf of the department according to the
721
provisions of ss. 420.907-420.9076 and this section. There shall
722
be deposited into the fund a portion of the documentary stamp
723
tax revenues as provided in s. 201.15, moneys received from any
724
other source for the purposes of ss. 420.907-420.9076 and this
725
section, and all proceeds derived from the investment of such
726
moneys. Moneys in the fund that are not currently needed for the
727
purposes of the programs administered pursuant to ss. 420.907-
728
420.9076 and this section shall be deposited to the credit of
729
the fund and may be invested as provided by law. The interest
730
received on any such investment shall be credited to the fund.
731
(2) The corporation shall administer the fund exclusively
732
for the purpose of implementing the programs described in ss.
733
420.907-420.9076 and this section. With the exception of
734
monitoring the activities of counties and eligible
735
municipalities to determine local compliance with program
736
requirements, the corporation shall not receive appropriations
737
from the fund for administrative or personnel costs. For the
738
purpose of implementing the compliance monitoring provisions of
739
s. 420.9075(9), the corporation may request a maximum of one-
740
quarter of 1 percent of the annual appropriation per state
741
fiscal year. When such funding is appropriated, the corporation
742
shall deduct the amount appropriated before prior to calculating
743
the local housing distribution pursuant to ss. 420.9072 and
744
420.9073.
745
(3) For any funds transferred from the Local Government
746
Housing Trust Fund in accordance with s. 215.32:
747
(a) An agency receiving funds that originated from the
748
Local Government Housing Trust Fund must provide a report to the
749
Legislature identifying with specificity the manner in which the
750
funds were spent. The report must be submitted within 30 days
751
after the close of the fiscal year in which the funds are
752
expended.
753
(b) Any funds appropriated from the Local Government
754
Housing Trust Fund for uses other than those specified in this
755
chapter must be repaid within 5 years after the date on which
756
the funds were appropriated.
757
Section 12. Section 542.37, Florida Statutes, is created
758
to read:
759
542.37 Unlawful restriction of competition with respect to
760
residential dwelling units.—
761
(1) As used in this section, the term:
762
(a) "Consciously parallel pricing coordination" means a
763
tacit agreement between two or more landlords to raise, lower,
764
change, maintain, or manipulate pricing for the rental of a
765
residential dwelling unit.
766
(b) "Coordinating function" means all of the following:
767
1. Collecting historical or contemporaneous prices, supply
768
levels, or rental agreement termination and renewal dates of
769
residential dwelling units from two or more landlords.
770
2. Analyzing or processing the information described in
771
subparagraph 1. through the use of a system or process or
772
through software that uses computation, including by using the
773
information to train an algorithm.
774
3. Recommending rental prices, rental agreement renewal
775
terms, or ideal occupancy levels to a landlord.
776
(c) "Coordinator" means a person who operates a software
777
or data analytics service that performs a coordinating function
778
for a landlord. The term includes a landlord if such person is
779
performing a coordinating function for his or her own benefit.
780
(d) "Landlord" means a residential property owner or
781
lessor of a residential dwelling unit.
782
(e) "Residential dwelling unit" means a house, an
783
apartment, an accessory unit, or any other unit intended to be
784
used as a primary residence in this state. The term does not
785
include inpatient medical care, licensed long-term care, or
786
detention or correctional facilities.
787
(2) It is unlawful and a violation of the Florida
788
Antitrust Act of 1980 for:
789
(a) A landlord, or the agent, representative, or
790
subcontractor of the landlord, to subscribe to, contract with,
791
or otherwise exchange any form of consideration in return for
792
the use of the services of a coordinator;
793
(b) A coordinator to facilitate an agreement among
794
landlords which restricts competition with respect to
795
residential dwelling units, including by performing a
796
coordinating function; or
797
(c) Two or more landlords to engage in consciously
798
parallel pricing coordination.
799
(3) Sections 542.21, 542.22, 542.23, 542.24-542.32, and
800
542.35 apply to this section.
801
(4) The Office of the Attorney General shall develop a
802
public education program designed to inform residents of this
803
state of the prohibitions in this section. Information developed
804
for the public education program must be posted on the Attorney
805
General's website, along with information on the steps a
806
consumer may take if the consumer suspects a violation of this
807
section.
808
(5) The Office of the Attorney General may adopt rules to
809
implement this section.
810
Section 13. Subsections (5) and (6) are added to section
811
627.0613, Florida Statutes, to read:
812
627.0613 Consumer advocate.—The Chief Financial Officer
813
must appoint a consumer advocate who must represent the general
814
public of the state before the department and the office. The
815
consumer advocate must report directly to the Chief Financial
816
Officer, but is not otherwise under the authority of the
817
department or of any employee of the department. The consumer
818
advocate has such powers as are necessary to carry out the
819
duties of the office of consumer advocate, including, but not
820
limited to, the powers to:
821
(5) Request an administrative hearing pursuant to s.
822
120.57 to challenge a notice of intent to approve or a notice of
823
intent to disapprove a rate filing.
824
(6) Administer oaths or affirmations to compel the
825
attendance and testimony of witnesses, or to issue subpoenas for
826
and compel the production of books, papers, records, documents,
827
and other evidence, pertaining to any investigation or hearing
828
convened under this section.
829
(a) In conducting an investigation, the consumer advocate
830
and its investigators must have access at all reasonable times
831
to premises, records, documents, and other evidence or possible
832
sources of evidence and may examine, record, and copy such
833
materials and take and record the testimony or statements of
834
such persons as deemed reasonably necessary for the furtherance
835
of the investigation.
836
(b) In the case of a refusal to obey a subpoena issued to
837
any person, the consumer advocate may apply to any circuit court
838
of this state, which court shall have jurisdiction to order the
839
witness to appear before the consumer advocate to give testimony
840
and to produce evidence concerning the matter in question.
841
Failure to obey the court's order may be punished by the court
842
as contempt. If the court enters an order holding a person in
843
contempt or compelling the person to comply with the subpoena,
844
the court may order the person to pay the consumer advocate
845
reasonable expenses, including reasonable attorney fees, accrued
846
by the consumer advocate in obtaining the order from the court.
847
Section 14. Paragraph (a) of subsection (2) and subsection
848
(6) of section 627.062, Florida Statutes, are amended to read:
849
627.062 Rate standards.—
850
(2) As to all such classes of insurance:
851
(a) Insurers or rating organizations shall establish and
852
use rates, rating schedules, or rating manuals that allow the
853
insurer a reasonable rate of return on the classes of insurance
854
written in this state. A copy of rates, rating schedules, rating
855
manuals, premium credits or discount schedules, and surcharge
856
schedules, and changes thereto, must be filed with the office
857
under one of the following procedures:
858
1. If the filing is made at least 90 days before the
859
proposed effective date and is not implemented during the
860
office's review of the filing and any proceeding and judicial
861
review, such filing is considered a "file and use" filing. In
862
such case, the office shall finalize its review by issuance of a
863
notice of intent to approve or a notice of intent to disapprove
864
within 90 days after receipt of the filing. If the 90-day period
865
ends on a weekend or a holiday under s. 110.117(1)(a)-(i), it
866
must be extended until the conclusion of the next business day.
867
The notice of intent to approve and the notice of intent to
868
disapprove constitute agency action for purposes of the
869
Administrative Procedure Act. Requests for supporting
870
information, requests for mathematical or mechanical
871
corrections, or notification to the insurer by the office of its
872
preliminary findings does not toll the 90-day period during any
873
such proceedings and subsequent judicial review. The rate shall
874
be deemed approved if the office does not issue a notice of
875
intent to approve or a notice of intent to disapprove within 90
876
days after receipt of the filing.
877
2. If the filing is not made in accordance with
878
subparagraph 1., such filing must be made as soon as
879
practicable, but within 30 days after the effective date, and is
880
considered a "use and file" filing. An insurer making a "use and
881
file" filing is potentially subject to an order by the office to
882
return to policyholders those portions of rates found to be
883
excessive, as provided in paragraph (h).
884
3. For all property insurance filings made or submitted
885
after January 25, 2007, but before May 1, 2012, an insurer
886
seeking a rate that is greater than the rate most recently
887
approved by the office shall make a "file and use" filing. For
888
purposes of this subparagraph, motor vehicle collision and
889
comprehensive coverages are not considered property coverages.
890
4. The office may not approve any property insurance
891
filings made or submitted on or after July 1, 2026, if the
892
proposed rate is more than 10 percent above the highest rate
893
approved by the office within the past 12 months. If multiple
894
rate filings occur within a 12-month period, the office may not
895
approve a total cumulative increase that is more than 15 percent
896
above the highest approved rate within the past 12 months.
898
The provisions of this subsection do not apply to workers'
899
compensation, employer's liability insurance, and motor vehicle
900
insurance.
901
(6)(a) If an insurer or the consumer advocate under s.
902
627.0613 requests an administrative hearing pursuant to s.
903
120.57 related to a rate filing under this section, the director
904
of the Division of Administrative Hearings must shall expedite
905
the hearing and assign an administrative law judge who shall
906
commence the hearing within 30 days after the receipt of the
907
formal request and enter a recommended order within 30 days
908
after the hearing or within 30 days after receipt of the hearing
909
transcript by the administrative law judge, whichever is later.
910
Each party shall have 10 days in which to submit written
911
exceptions to the recommended order. The office shall enter a
912
final order within 30 days after the entry of the recommended
913
order. The provisions of this paragraph may be waived upon
914
stipulation of all parties.
915
(b) Upon entry of a final order, the insurer or the
916
consumer advocate under s. 627.0613 may request an expedited
917
appellate review pursuant to the Florida Rules of Appellate
918
Procedure. It is the intent of the Legislature that the First
919
District Court of Appeal grant an insurer's or a consumer
920
advocate's request for an expedited appellate review.
921
Section 15. Section 692.041, Florida Statutes, is created
922
to read:
923
692.041 Single-family residential property.—
924
(1) As used in this section, the term:
925
(a) "Affiliate" means:
926
1. A person or business entity that directly or indirectly
927
controls, is controlled by, or is under common control with
928
another person or business entity, including, but not limited
929
to, any heirs, assigns, related trusts, or persons who are in
930
privity of contract at law or in equity.
931
2. A person or business entity that receives a financial
932
benefit from possession of the land as an asset, including, but
933
not limited to, income, leverage, capital securitization,
934
inclusion in a financial portfolio, or for purposes related to
935
debt or taxes.
937
As used in this paragraph, the term "control" means the direct
938
or indirect power to direct or cause the direction of the
939
management or policies of a business entity, whether through
940
ownership, common management, contractual arrangements, or
941
otherwise.
942
(b) "Business entity" means an association, a company, a
943
firm, a partnership, a corporation, a limited liability company,
944
a limited liability partnership, a real estate investment trust,
945
or any other legal entity, and such entity's successors,
946
assignees, or affiliates. The term does not include:
947
1. A nonprofit corporation or other nonprofit legal
948
entity.
949
2. A person or entity primarily engaged in the
950
acquisition, rehabilitation, or construction of new or existing
951
market rate or affordable residential housing. As used in this
952
subparagraph, the term "affordable" has the same meaning as in
953
s. 420.0004.
954
(c) "Single-family residential property" means a single
955
parcel of real property improved with only one detached dwelling
956
unit on it for which a certificate of occupancy has been issued.
957
(2)(a) A business entity that has an interest in more than
958
100 single-family residential properties in this state may not
959
purchase, acquire, or otherwise obtain an ownership interest in
960
another single-family residential property and subsequently
961
lease or rent such property.
962
(b) The seller of single-family residential property to a
963
business entity is not liable for any violation of this section
964
by the business entity.
965
(3)(a) Beginning July 1, 2026, a business entity that has
966
an interest in 10 or more single-family residential properties
967
may not purchase, acquire, or offer to purchase or acquire any
968
interest in another single-family residential property unless
969
such property has been listed for sale to the general public for
970
at least 90 days. The 90-day waiting period restarts if the
971
seller of the single-family residential property changes the
972
asking price of such property.
973
(b) If a business entity described in paragraph (a)
974
purchases or acquires an interest in a single-family residential
975
property, the business entity, or its authorized agent, must
976
complete and retain the following notice at the time a contract
977
for purchase is executed:
979
COMPLIANCE WITH FLORIDA LAW
980
Under s. 692.041, Florida Statutes, a business entity
981
that has an interest in 10 or more single-family
982
residential properties may not purchase, acquire, or
983
offer to purchase or acquire any interest in another
984
single-family residential property unless such
985
property has been listed for sale to the general
986
public for at least 90 days. The undersigned certifies
987
compliance with this requirement.
989
(c) A business entity must retain the signed notice under
990
paragraph (b) for inspection, upon request, by the Department of
991
Legal Affairs.
992
(4)(a) For purposes of determining compliance with this
993
section, all ownership interests held by a business entity,
994
together with those held by any affiliates of the business
995
entity, must be aggregated and treated as if such ownership
996
interests are held by a single business entity.
997
(b) A business entity may not use affiliated entities or
998
other similar arrangements to avoid the application of this
999
section.
1000
(5) The Attorney General may bring a civil action for a
1001
violation of this section. If the Attorney General prevails in a
1002
civil action brought under this section, the court must order
1003
all of the following:
1004
(a)1. A civil penalty of $100,000 against the business
1005
entity for each violation of paragraph (2)(a); or
1006
2. A civil penalty up to $10,000 against the business
1007
entity for each violation of subsection (3).
1008
(b) Require the business entity to sell the single-family
1009
residential property to a natural person or an independent third
1010
party within 1 year after the date the court enters the
1011
judgment.
1012
(c) Reasonable attorney fees and costs.
1013
(6) Subsection (5) is the exclusive remedy for a violation
1014
of this section. Section 16. Subsections (6), (7), and (8) of section
1016
83.67, Florida Statutes, are renumbered as subsections (7), (8),
1017
and (9), respectively, and a new subsection (6) is added to that
1018
section, to read:
1019
83.67 Prohibited practices.—
1020
(6) A landlord of any dwelling unit governed by this part
1021
may not use the services of a coordinator or engage in
1022
consciously parallel pricing coordination, as those terms are
1023
defined in s. 542.37(1).
1024
Section 17. Section 542.21, Florida Statutes, is amended
1025
to read:
1026
542.21 Penalties for violation.—
1027
(1) Any natural person who violates any of the provisions
1028
of s. 542.18, or s. 542.19, or s. 542.37 is shall be subject to
1029
a civil penalty of not more than $100,000. Any other person who
1030
violates any of the provisions of s. 542.18, or s. 542.19, or s.
1031
542.37 is shall be subject to a civil penalty of not more than
1032
$1 million.
1033
(2) Any person who knowingly violates any of the
1034
provisions of s. 542.18, or s. 542.19, or s. 542.37, or who
1035
knowingly aids in or advises such violation, is guilty of a
1036
felony, punishable by a fine not exceeding $1 million if a
1037
corporation, or, if any other person, $100,000 or imprisonment
1038
not exceeding 3 years, or by both said punishments.
1039
(3) The commencement of trial seeking civil penalties in
1040
any action under this section bars shall bar any subsequent
1041
criminal prosecution against the same person for violation of s.
1042
542.18, or s. 542.19, or s. 542.37, based upon the same acts.
1043
The commencement of trial in a criminal prosecution for a
1044
violation of s. 542.18, or s. 542.19, or s. 542.37 bars shall
1045
bar any subsequent action against the same person for recovery
1046
of civil penalties under this section based upon the same acts,
1047
but may shall not bar a subsequent suit for damages or
1048
injunctive relief under ss. 542.22 and 542.23.
1049
(4) The Attorney General may not commence an No action
1050
under this section or s. 542.23 shall be commenced by the
1051
Attorney General against any person who, at the time, is a
1052
defendant in a suit filed by the United States for violation or
1053
alleged violation of the federal antitrust laws involving
1054
substantially the same subject matter and seeking substantially
1055
the same relief.
1056
Section 18. Subsections (1) and (2) of section 542.22,
1057
Florida Statutes, are amended to read:
1058
542.22 Suits for damages.—
1059
(1) Any person who is shall be injured in her or his
1060
business or property by reason of any violation of s. 542.18, or
1061
s. 542.19, or s. 542.37 may sue therefor in the circuit courts
1062
of this state and shall recover threefold the damages by her or
1063
him sustained, and the cost of suit, including a reasonable
1064
attorney fee. The court shall award a reasonable attorney fee to
1065
a defendant prevailing in any action under this part for damages
1066
or equitable relief in which the court finds there was a
1067
complete absence of a justiciable issue of either law or fact
1068
raised by the plaintiff.
1069
(2) The Attorney General, or a state attorney after
1070
receiving written permission from the Attorney General, may
1071
bring a civil action in the name of this the state, as parens
1072
patriae on behalf of natural persons residing in this state, to
1073
recover on behalf of those persons threefold the actual damages
1074
sustained by reason of any violation of s. 542.18, or s. 542.19,
1075
or s. 542.37, and the cost of such suit, including a reasonable
1076
attorney attorney's fee. The court shall exclude from the amount
1077
of monetary relief awarded in such action any amount of monetary
1078
relief which:
1079
(a) Duplicates amounts which have been awarded for the
1080
same injury;
1081
(b) Is properly allocable to natural persons who have
1082
excluded their claims pursuant to paragraph (3)(b); or
1083
(c) Is properly allocable to any business entity.
1084
Section 19. Section 542.25, Florida Statutes, is amended
1085
to read:
1086
542.25 Judgment in favor of state as prima facie
1087
evidence.—A final judgment or decree entered in any civil or
1088
criminal proceeding brought by the Attorney General or a state
1089
attorney under s. 542.21 or s. 542.23 to the effect that a
1090
defendant has violated s. 542.18, or s. 542.19, or s. 542.37, or
1091
entered in any civil or criminal proceeding brought by the
1092
United States Department of Justice under comparable federal
1093
laws, shall be prima facie evidence against such defendant in
1094
any civil action or proceeding under this part brought by any
1095
other person against such defendant as to all matters with
1096
respect to which such judgment or decree would be an estoppel as
1097
between the parties thereto; however, this section does not
1098
apply to a consent judgment or decree entered before any
1099
testimony has been taken. Nothing contained in This section may
1100
not shall be construed to impose any limitation on the
1101
application of collateral estoppel.
1102
Section 20. Section 542.32, Florida Statutes, is amended
1103
to read:
1104
542.32 Rule of construction and coverage.—It is the intent
1105
of the Legislature that, in construing this part, due
1106
consideration and great weight be given to the interpretations
1107
of the federal courts relating to comparable federal antitrust
1108
statutes. In particular, the failure to include in this part the
1109
substantive provisions of s. 3 of the Clayton Act, 15 U.S.C. s.
1110
14, may shall not be deemed in any way to limit the scope of s.
1111
542.18, or s. 542.19, or s. 542.37.
1112
Section 21. This act shall take effect July 1, 2026.