SESSION WATCH
Superseded — its companion passed SENATE · SESSION 2026

No. CS/SB 684

Electronic Signatures Associated with Total Loss Vehicles and Vessels
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SPONSOR
Rules; McClain
FILED BY
Stan McClain — District 9, Republican [search donations]
EFFECTIVE
7/1/2026
COMPANION
CS/HB 961 — CS/SB 684 was set aside and its companion carried the policy

Filed under Transportation.

PROVIDED SUMMARY

Electronic Signatures Associated with Total Loss Vehicles and Vessels; Requiring insurance companies or their authorized agents to implement certain control processes and procedures for certain electronic signatures; deleting a requirement that electronic signatures on odometer disclosures submitted through insurance companies be executed in a specified manner, etc.

Full bill text →

Plain English Summary

AI-GENERATED
Requires insurers to adopt approved controls for electronic signatures.

Insurance companies and their authorized agents must now put in place identity-verification and security control processes for electronic signatures, subject to approval by the department.

This replaces a narrower rule that only governed odometer disclosures submitted through insurance companies, which had to meet a named federal technical standard for identity, authentication, and federation assurance.

The new control-process duty is not limited to odometer disclosures. As written, it applies whenever insurance companies or their agents handle any electronic signature required under this subsection.

Florida law elsewhere still lets any signature consistent with chapter 668's electronic-signature standards satisfy this subsection's requirements, so the baseline for most signers is unchanged.

KEY PROVISIONS
§ 1 Odometer e-signatures no longer need NIST Level 2 verification majors. 319.30(3)(d)

AIElectronic signatures on odometer disclosures submitted through an insurance company no longer have to meet the named federal identity-assurance standard for a certificate of destruction or salvage title; a signature that merely satisfies chapter 668 is now enough.

“which are equivalent to or greater than Level 2, for each level, for a certificate of destruction or for a salvage certificate of title” bill text, line 32 →
§ 2 New duty to implement department-approved signature controls majors. 319.30(3)(d)

AIInsurance companies and their authorized agents must maintain control processes and procedures the department accepts, covering identity verification, security, confidentiality, and auditability, for electronic signatures they handle under this subsection generally -- not only odometer disclosures.

“insurance companies or their authorized agents must implement control processes and procedures acceptable to the department” bill text, line 21 →
TIMELINE
3/4/2026
Laid on Table, companion bill(s) passed, see CS/HB 961 (Ch....
3/4/2026
Substituted CS/HB 961 -SJ 527
3/4/2026
Read 2nd time -SJ 527
3/2/2026
Placed on Special Order Calendar, 03/04/26
2/18/2026
CS by Rules read 1st time
2/18/2026
Placed on Calendar, on 2nd reading
2/18/2026
Pending reference review -under Rule 4.7(2) - (Committee Substitute)
2/17/2026
CS by- Rules; YEAS 23 NAYS 0
2/12/2026
On Committee agenda-- Rules, 02/17/26, 12:00 pm, 412 Knott Building
2/4/2026
Now in Rules
2/4/2026
Favorable by Banking and Insurance; YEAS 10 NAYS 0
1/30/2026
On Committee agenda-- Banking and Insurance, 02/04/26, 10:30 am,...
1/21/2026
Now in Banking and Insurance
1/20/2026
Favorable by Transportation; YEAS 8 NAYS 0
1/15/2026
On Committee agenda-- Transportation, 01/20/26, 9:30 am, 37 Senate Building
1/13/2026
Introduced
12/16/2025
Referred to Transportation; Banking and Insurance; Rules
12/1/2025
Filed
12 EARLIER →
STATUTES IT CHANGES
s. 319.30
+34 / −85
STAFF ANALYSES
2 MORE →