THE BILL ITSELF
SB 906
Homeowners’ Associations
Florida Senate - 2026 SB 906 By Senator Garcia 36-01002-26 2026906__
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A bill to be entitled
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An act relating to homeowners’ associations; creating
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s. 720.3024, F.S.; creating the Office of the
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Homeowners’ Association Ombudsman within the Division
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of Florida Condominiums, Timeshares, and Mobile Homes
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of the Department of Business and Professional
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Regulation; providing for funding of the office;
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directing the Governor to appoint the ombudsman;
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requiring that the ombudsman be an attorney admitted
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to practice before the Florida Supreme Court;
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prohibiting the ombudsman, officers, or full-time
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employees of the office from holding certain
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positions, engaging in certain activities, or
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receiving certain remuneration; providing for the
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principal location of the ombudsman’s office;
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authorizing the ombudsman to establish branch offices
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upon the concurrence of the Governor; specifying the
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powers and duties of the ombudsman; providing a
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process for monitoring homeowners’ association
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elections; providing for the appointment of an
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election monitor to attend an annual meeting of parcel
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owners and to conduct the election of directors;
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requiring that an association subject to election
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monitoring pay all costs associated with the process;
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requiring the division to adopt rules; creating s.
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720.3025, F.S.; providing the duties of the division
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relating to the development, construction, sale,
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lease, ownership, operation, and management of
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residential parcels and complaints; providing that the
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division has complete jurisdiction to investigate
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complaints and enforce compliance over associations
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still under developer control; specifying the
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jurisdiction of the division to review records and
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investigate complaints after turnover; authorizing the
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division to conduct necessary investigations within or
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outside this state with specified analysts to make
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certain determinations or to aid in the enforcement of
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rules or forms; authorizing the division to require or
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authorize any person to file a statement in writing
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under oath for such investigations; authorizing
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specified employees of the division to take certain
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actions reasonably calculated to lead to the discovery
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of material evidence; authorizing the division to
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apply to the circuit court for an order compelling
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compliance of such actions; authorizing the division
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to institute enforcement proceeding in its own name
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against certain persons; specifying the actions the
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division may take and penalties the division may
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impose in such proceedings; defining the term
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“willfully and knowingly”; requiring the division to
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provide officers or board members an opportunity to
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voluntarily comply within a specified timeframe before
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being subject to civil penalties; specifying the
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manner in which penalties may be imposed; prohibiting
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such penalties from exceeding a specified sum;
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requiring the division to adopt rules regarding
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penalty guidelines; specifying the criteria for such
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guidelines; requiring that all amounts recovered be
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deposited with the Chief Financial Officer to the
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credit of the Division of Florida Condominiums,
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Timeshares, and Mobile Homes Trust Fund; requiring the
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division to order a developer who fails to pay the
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civil penalties to cease and desist from further
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operation until the civil penalties are paid or to
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pursue enforcement of the penalties in court;
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requiring the division to pursue enforcement in a
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court of competent jurisdiction if an association
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fails to pay its civil penalties; specifying when the
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cease and desist order or the order from the court
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imposing such penalties becomes effective; specifying
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where such action must be brought; requiring the
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division to issue a subpoena to require production of
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certain records if a parcel owner presents the
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division with proof that the parcel owner has not
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received a copy of the official records after the
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parcel owner requested access to official records in
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writing by certified mail within a specified
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timeframe; requiring the division to provide the
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parcel owner access to such records without charge;
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authorizing the division to seek additional civil
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penalties; specifying the monetary range of such
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penalties; authorizing the court to award certain
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costs and fees to the prevailing party; authorizing
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the division to issue citations and adopt rules;
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requiring the division to provide training and
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educational programs for homeowners’ association board
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members and parcel owners; authorizing that such
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training and education may be web-based electronic
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media or live training and seminars in various
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locations; authorizing the division to review and
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approve the education and training programs and
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maintain a current list available to board members and
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parcel owners of approved programs and providers;
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requiring the division to provide the division
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approved provider with the template certificate for
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issuance directly to the association’s board of
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directors who have satisfactorily completed certain
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required education and training; requiring the
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division to adopt rules; requiring the division to
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maintain a toll-free telephone number accessible to
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parcel owners; requiring the division to conduct an
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inquiry if a complaint is made, with due regard for
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the interests of the affected party; requiring the
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division to acknowledge the complaint and include in
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such acknowledgment certain information within a
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specified timeframe; requiring the division to conduct
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its investigation within a specified timeframe;
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providing that failure to complete its investigation
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within the specified timeframe does not prevent the
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division from continuing its investigation if
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reasonable cause exists to believe that a violation
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has occurred; requiring the division to notify the
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complainant on a monthly basis and report certain
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information; authorizing the division to adopt rules;
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providing that certain persons of homeowners’
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associations and community association firms have an
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ongoing duty to reasonably cooperate with the division
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in such investigations; requiring the division to
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refer to local law enforcement authorities any person
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who it has reason to believe is impeding its
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investigation or is engaging in certain criminal
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activity; authorizing certain division employees or
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employees of the Office of the Homeowners’ Association
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Ombudsman to attend and observe any meeting of the
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board of administration or any parcel owner meeting if
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such meetings are open to members of the association
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for a specified purpose; authorizing the division to
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contract with agencies in this state or other
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jurisdictions to perform its investigative functions;
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authorizing the division to accept grants-in-aid from
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any source; requiring the division to cooperate with
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similar agencies in other jurisdictions for a
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specified purpose; providing the criteria that the
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division considers notice to a developer to be
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complete; authorizing the division to issue a notice
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to show cause; requiring that a notice to show cause
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provide for a hearing upon written request;
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authorizing the division to request access to an
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association’s website or application to investigate
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complaints regarding access to the association’s
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official records; authorizing the division to adopt
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rules; requiring the directors of an association to
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certify that each director has completed the written
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certification and educational certificate
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requirements; providing applicability; requiring all
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homeowners’ associations to create and maintain an
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online account with the division; requiring all
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homeowners’ associations to provide specified
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information to the division by a specified date;
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requiring that such information be updated within a
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specified timeframe; authorizing the division to
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require homeowners’ associations to provide certain
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information to the division; specifying the
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information to be provided to the division; providing
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an effective date.
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Be It Enacted by the Legislature of the State of Florida:
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Section 1. Section 720.3024, Florida Statutes, is created
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to read:
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720.3024 Office of the Homeowners’ Association Ombudsman.—
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(1) ADMINISTRATION; APPOINTMENT; LOCATION.—
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(a) There is created the Office of the Homeowners’
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Association Ombudsman to be located, for administrative
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purposes, within the Division of Florida Condominiums,
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Timeshares, and Mobile Homes of the Department of Business and
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Professional Regulation. The functions of the office shall be
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funded by the General Appropriations Act.
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(b) The Governor shall appoint the ombudsman. The ombudsman
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must be an attorney admitted to practice before the Florida
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Supreme Court and shall serve at the pleasure of the Governor.
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The ombudsman, or an officer or a full-time employee of the
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ombudsman’s office, may not actively engage in any other
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business or profession that directly or indirectly relates to or
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conflicts with his or her work in the ombudsman’s office; serve
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as the representative or an executive, officer, or employee of
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any political party, executive committee, or other governing
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body of a political party; receive remuneration for activities
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on behalf of any candidate for public office; or engage in
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soliciting votes or other activities on behalf of a candidate
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for public office. The ombudsman, an officer, or a full-time
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employee of the ombudsman’s office may not become a candidate
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for election to public office unless he or she first resigns
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from his or her office or employment.
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(c) The ombudsman shall maintain his or her principal
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office at a location convenient to the department, which will
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enable the ombudsman to carry out expeditiously the duties and
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functions of his or her office. The ombudsman may establish
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branch offices elsewhere in this state upon the concurrence of
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the Governor.
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(2) POWERS AND DUTIES.—The ombudsman has the powers
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necessary to carry out the duties of his or her office,
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including, but not limited to:
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(a) Having access to and use of all files and records of
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the division.
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(b) Employing professional and clerical staff as necessary
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for the efficient operation of the office.
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(c) Preparing and issuing reports and recommendations to
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the Governor, the department, the President of the Senate, and
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the Speaker of the House of Representatives on any matter or
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subject within the jurisdiction of this chapter.
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(d) Acting as a liaison between the department, parcel
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owners, boards of directors, board members, community
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association managers, and other affected parties. The ombudsman
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shall develop policies and procedures to assist parcel owners,
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boards of directors, board members, community association
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managers, and other affected parties in understanding their
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rights and responsibilities as set forth in this chapter and in
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the governing documents of their respective associations. The
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ombudsman shall coordinate and assist in the preparation and
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adoption of educational and reference materials and shall
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endeavor to coordinate with private or volunteer providers of
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such services so that the availability of such resources is made
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known to the largest possible audience.
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(e) Monitoring and reviewing procedures and disputes
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concerning association elections or meetings, including, but not
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limited to, recommending that the division pursue enforcement
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action in any manner if there is reasonable cause to believe
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that election misconduct has occurred and reviewing secret
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ballots cast at a vote of the association.
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(f) Making recommendations to the division for changes in
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rules and procedures for the filing, investigation, and
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resolution of complaints filed by parcel owners, associations,
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or managers.
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(g) Providing resources to assist members of boards of
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directors and officers of associations to carry out their powers
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and duties consistent with this chapter and the governing
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documents of their respective associations.
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(h) Encouraging and facilitating voluntary meetings between
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parcel owners, boards of directors, board members, community
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association managers, and other affected parties when the
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meetings may assist in resolving a dispute within a homeowners’
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association before a person submits a dispute for a formal or
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administrative remedy. The ombudsman shall act as a neutral
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resource for the rights and responsibilities of parcel owners,
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associations, and board members.
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(i) Assisting with the resolution of disputes between
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parcel owners and their association, or between parcel owners,
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if applicable.
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(j) Appointing an election monitor.
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(3) ELECTION MONITORING.—
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(a) Fifteen percent of the total voting interests in a
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homeowners’ association, or six parcel owners, whichever is
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greater, may petition the ombudsman to appoint an election
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monitor to attend the annual meeting of the parcel owners and
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conduct the election of directors.
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(b) The ombudsman shall appoint a division employee, a
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person who specializes in homeowners’ association election
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monitoring, or an attorney licensed to practice in this state as
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the election monitor.
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(c) The association shall pay all costs associated with the
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election monitoring process.
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(d) The division shall adopt rules establishing procedures
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for the appointment of election monitors and the scope of the
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monitor’s role in the election process, and essential duties
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therein.
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Section 2. Section 720.3025, Florida Statutes, is created
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to read:
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720.3025 Authority, responsibility, and duties of Division
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of Florida Condominiums, Timeshares, and Mobile Homes.—
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(1) The division may enforce and ensure compliance with
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this chapter and rules relating to the development,
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construction, sale, lease, ownership, operation, and management
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of residential parcels and complaints. In performing its duties,
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the division has complete jurisdiction to investigate complaints
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and enforce compliance with respect to associations that are
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still under developer control involving improper turnover or
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failure to turn over under s. 720.307. However, after turnover
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has occurred, the division has jurisdiction to review records
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and investigate complaints related only to:
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(a)1. Procedural aspects and records relating to financial
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issues, including annual financial reporting under ss.
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720.303(7) and 720.3086; assessments for common expenses, fines,
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and commingling of reserve and operating funds under s.
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720.303(8); use of debit cards for unintended purposes under s.
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720.303(13); the annual operating budget and the allocation of
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reserve funds under s. 720.303(6); financial records under s.
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720.303(4)(a)10.; and any other record necessary to determine
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the revenues and expenses of the association.
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2. Elections, including election and voting requirements
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under ss. 720.303(2) and 720.306, recall of board members under
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s. 720.303(10), electronic voting under s. 720.317, and
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elections that occur during an emergency under s. 720.316(1)(a).
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3. The maintenance of and parcel owner access to
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association records under s. 720.303(4).
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4. The procedural aspects of meetings, including parcel
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owner meetings, quorums, voting requirements, proxies, board of
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administration meetings, budget meetings, and the right to speak
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at such meetings under s. 720.303(2) and s. 720.306.
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5. The disclosure of conflicts of interest under s.
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720.3033(6).
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6. The removal of a board member or officer under ss.
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720.3033(3) and (4).
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7. Any written inquiry by parcel owners to the association
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relating to such matters, including written inquiries.
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8. The requirement under s. 720.3033(5) for associations to
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maintain an insurance policy or fidelity bonding for all persons
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who control or disperse funds of the association.
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9. Board member education requirements under s.
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720.3033(1).
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(b)1. The division may conduct necessary public or private
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investigations within or outside this state to determine whether
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any person has violated this chapter or any rule or order
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hereunder, to aid in the enforcement of this chapter, or to aid
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in the adoption of rules or forms.
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2. The division may submit any official written report,
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worksheet, or other related paper, or a duly certified copy
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thereof, compiled, prepared, drafted, or otherwise made and duly
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authenticated by a financial examiner or analyst to be admitted
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as competent evidence in any hearing in which the financial
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examiner or analyst is available for cross-examination and
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attests under oath that such documents were prepared as a result
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of an examination or inspection conducted pursuant to this
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chapter.
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(c) The division may require or authorize any person to
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file a statement in writing, under oath or otherwise, as the
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division determines, as to the facts and circumstances
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concerning a matter being investigated.
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(d) For the purpose of any investigation under this
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chapter, the division director or any officer or employee
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designated by the division director may administer oaths or
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affirmations, subpoena witnesses and compel their attendance,
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take evidence, and require the production of any matter which is
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relevant to the investigation, including the existence,
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description, nature, custody, condition, and location of any
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book, document, or other tangible thing and the identity and
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location of persons having knowledge of relevant facts or any
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other matter reasonably calculated to lead to the discovery of
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material evidence. Upon the failure by a person to obey a
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subpoena or to answer questions propounded by the investigating
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officer and upon reasonable notice to all affected persons, the
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division may apply to the circuit court for an order compelling
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compliance.
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(e) Notwithstanding any remedy available to parcel owners
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and associations, if the division has reasonable cause to
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believe that a violation of any provision of this chapter or
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related rule has occurred, the division may institute
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enforcement proceedings in its own name against any developer,
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association, officer, or member of the board of administration,
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or its assignees or agents, as follows:
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1. The division may permit a person whose conduct or
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actions may be under investigation to waive formal proceedings
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and enter into a consent proceeding whereby orders, rules, or
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letters of censure or warning, whether formal or informal, may
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be entered against the person.
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2. The division may issue an order requiring the developer,
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association, developer-designated officer, or developer
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designated member of the board of administration, developer
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designated assignees or agents, community association manager,
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or community association management firm to cease and desist
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from the unlawful practice and take such affirmative action as
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in the judgment of the division will carry out the purposes of
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this chapter. If the division finds that a developer, an
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association, an officer, or a member of the board of
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administration, or its assignees or agents, is violating or is
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about to violate any provision of this chapter, any rule adopted
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or order issued by the division, or any written agreement
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entered into with the division, and presents an immediate danger
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to the public requiring an immediate final order, it may issue
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an emergency cease and desist order reciting with particularity
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the facts underlying such findings. The emergency cease and
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desist order is effective for 90 days. If the division begins
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nonemergency cease and desist proceedings, the emergency cease
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and desist order remains effective until the conclusion of the
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proceedings under ss. 120.569 and 120.57.
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3. If a developer fails to pay any restitution determined
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by the division to be owed, plus any accrued interest at the
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highest rate permitted by law, within 30 days after expiration
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of any appellate time period of a final order requiring payment
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of restitution or the conclusion of any appeal thereof,
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whichever is later, the division must bring an action in circuit
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or county court on behalf of any association, class of parcel
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owners, lessees, or purchasers for restitution, declaratory
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relief, injunctive relief, or any other available remedy.
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4. The division may petition the court for appointment of a
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receiver or conservator. If appointed, the receiver or
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conservator may take action to implement the court order to
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ensure the performance of the order and to remedy any breach
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thereof. In addition to all other means provided by law for the
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enforcement of an injunction or a temporary restraining order,
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the circuit court may impound or sequester the property of a
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party defendant, including books, papers, documents, and related
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records, and allow the examination and use of the property by
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the division and a court-appointed receiver or conservator.
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5. The division may apply to the circuit court for an order
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of restitution whereby the defendant in an action brought under
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subparagraph 3. is ordered to make restitution of those sums
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shown by the division to have been obtained by the defendant in
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violation of this chapter. At the option of the court, such
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restitution is payable to the conservator or receiver appointed
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under subparagraph 4. or directly to the persons whose funds or
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assets were obtained in violation of this chapter.
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6. The division may impose a civil penalty against a
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developer, or an association or its assignee or agent, for any
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violation of this chapter or related rule. The division may
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impose a civil penalty individually against an officer or a
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board member who willfully and knowingly violates this chapter,
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an adopted rule, or a final order of the division; may order the
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removal of such individual as an officer or a member of the
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board of administration or as an officer of the association; and
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may prohibit such individual from serving as an officer or a
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member of the board of a community association for a period of
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time. The term “willfully and knowingly” means that the division
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informed the officer or board member that his or her action or
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intended action violates this chapter, a rule adopted under this
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chapter, or a final order of the division and that the officer
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or board member refused to comply with the requirements of this
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chapter, a rule adopted under this chapter, or a final order of
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the division. The division, before initiating formal agency
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action under chapter 120, must provide the officer or board
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member an opportunity to voluntarily comply, and an officer or
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board member who complies within 10 days after notification is
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not subject to a civil penalty. A penalty may be imposed on the
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basis of each day of continuing violation, but the penalty for
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any offense may not exceed $5,000. The division shall adopt by
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rule penalty guidelines applicable to possible violations or to
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categories of violations of this chapter or rules adopted by the
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division. The guidelines must specify a meaningful range of
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civil penalties for each such violation of the law and rules and
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must be based upon the harm caused by the violation, upon the
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repetition of the violation, and upon such other factors deemed
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relevant by the division, including, but not limited to, whether
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the violations were committed by a developer or an owner
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controlled association, the size of the association, and the
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duration of the violations. The guidelines must designate the
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possible mitigating or aggravating circumstances that justify a
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departure from the range of penalties provided by the rules. It
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is the legislative intent that minor violations be distinguished
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from those which endanger the health, safety, or welfare of the
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homeowners’ association residents or other persons and that such
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guidelines provide reasonable and meaningful notice to the
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public of likely penalties that may be imposed for proscribed
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conduct. This subsection does not limit the ability of the
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division to informally dispose of administrative actions or
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complaints by stipulation, agreed settlement, or consent order.
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All amounts collected must be deposited with the Chief Financial
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Officer to the credit of the Division of Florida Condominiums,
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Timeshares, and Mobile Homes Trust Fund. If a developer fails to
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pay the civil penalty and the amount deemed to be owed to the
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association, the division must issue an order directing that
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such developer cease and desist from further operation until
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such time as the civil penalty is paid, or the division may
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pursue enforcement of the penalty in a court of competent
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jurisdiction. If an association fails to pay the civil penalty,
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the division must pursue enforcement in a court of competent
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jurisdiction, and the order imposing the civil penalty or the
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cease and desist order is not effective until 20 days after the
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date of such order. Any action commenced by the division must be
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brought in the county in which the division has its executive
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offices or in the county in which the violation occurred.
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7. If a parcel owner presents the division with proof that
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the parcel owner has requested access to official records in
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writing by certified mail, and that after 10 days the parcel
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owner has again made the same request for access to official
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records in writing by certified mail, and that more than 10 days
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have elapsed since the second request and the association has
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still failed or refused to provide access to official records as
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required by this chapter, the division must issue a subpoena
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requiring production of the requested records at the location in
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which the records are kept pursuant to s. 720.303. Upon receipt
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of the records, the division must provide to the parcel owner
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who was denied access to such records the produced official
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records without charge.
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8. In addition to subparagraph 6., the division may seek
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the imposition of a civil penalty through the circuit court for
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any violation for which the division may issue a notice to show
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cause under paragraph (o). The civil penalty must be at least
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$500 but no more than $5,000 for each violation. The court may
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also award to the prevailing party court costs and reasonable
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attorney fees and, if the division prevails, may also award
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reasonable costs of investigation.
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9. The division may issue citations and adopt rules to
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provide for citation bases and citation procedures in accordance
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with this paragraph.
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(f) The division may adopt rules to administer and enforce
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this chapter.
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(g) The division shall provide training and educational
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programs for homeowners’ association board members and parcel
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owners. The training and education may, in the division’s
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discretion, include web-based electronic media and live training
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and seminars in various locations throughout this state. The
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division may review and approve education and training programs
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for board members and parcel owners offered by providers and
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shall maintain a current list of approved programs and providers
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and make such list available to board members and parcel owners
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in a reasonable and cost-effective manner. The division shall
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provide the division-approved provider with the template
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certificate for issuance directly to an association’s board
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members who have satisfactorily completed the requirements under
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s. 720.306. The division shall adopt rules to implement this
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paragraph.
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(h) The division shall maintain a toll-free telephone
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number accessible to parcel owners.
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(i) If a complaint is made, the division must conduct its
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inquiry with due regard for the interests of the affected
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parties. Within 30 days after receipt of a complaint, the
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division shall acknowledge the complaint in writing and notify
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the complainant whether the complaint is within the jurisdiction
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of the division and whether the division needs additional
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information from the complainant. The division shall conduct its
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investigation and, within 90 days after receipt of the original
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complaint or requested additional information, take action upon
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the complaint. However, the failure to complete the
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investigation within 90 days does not prevent the division from
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continuing its investigation, accepting or considering evidence
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obtained or received after 90 days, or taking administrative
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action if reasonable cause exists to believe that a violation of
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this chapter or a rule has occurred. If an investigation is not
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completed within the time limits established in this paragraph,
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the division must, on a monthly basis, notify the complainant in
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writing of the status of the investigation. When reporting its
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action to the complainant, the division shall inform the
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complainant of any right to a hearing under ss. 120.569 and
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120.57. The division may adopt rules regarding the submission of
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a complaint against an association.
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(j) Homeowners’ association directors, officers, and
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employees; developers; community association managers; and
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community association management firms have an ongoing duty to
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reasonably cooperate with the division in any investigation
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under this section. The division shall refer to local law
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enforcement authorities any person who the division believes has
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altered, destroyed, concealed, or removed any record, document,
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or thing required to be kept or maintained by this chapter with
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the purpose to impair its veracity or availability in the
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division’s investigation. The division shall refer to local law
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enforcement authorities any person who the division believes has
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engaged in fraud, theft, embezzlement, or other criminal
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activity or when the division has cause to believe that fraud,
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theft, embezzlement, or other criminal activity has occurred.
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(k) The division director or any officer or employee of the
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division and the homeowners association ombudsman or any
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employee of the Office of the Homeowners’ Association Ombudsman
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may attend and observe any meeting of the board of
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administration or any parcel owner meeting, including any
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meeting of a subcommittee or special committee, which is open to
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members of the association for the purpose of performing the
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duties of the division or the Office of the Homeowners’
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Association Ombudsman under this chapter.
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(l) The division may:
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1. Contract with agencies in this state or other
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jurisdictions to perform investigative functions; or
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2. Accept grants-in-aid from any source.
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(m) The division shall cooperate with similar agencies in
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other jurisdictions to establish uniform filing procedures and
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forms, public offering statements, advertising standards, and
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rules and common administrative practices.
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(n) The division shall consider notice to a developer to be
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complete when it is delivered to the address of the developer
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currently on file with the division.
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(o) In addition to its enforcement authority, the division
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may issue a notice to show cause, which must provide for a
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hearing, upon written request, in accordance with chapter 120.
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(p) If the division receives a complaint regarding access
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to official records on the association’s website or through an
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application that can be downloaded on a mobile device under s.
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720.303(2)(c)1., the division may request access to the
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association’s website or application and investigate. The
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division may adopt rules to carry out this paragraph.
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(2) On the certification form provided by the division, the
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directors of the association shall certify that each director of
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the association has completed the written certification and
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educational certificate requirements in s. 720.3033(1). This
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certification requirement does not apply to the directors of an
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association governing a timeshare property. Each homeowners’
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association shall create and maintain an online account with the
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division, as required in subsection (3).
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(3) On or before October 1, 2027, all homeowners’
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associations shall create and maintain an online account with
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the division and provide information requested by the division
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in an electronic format determined by the division. The division
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shall adopt rules to implement this subsection. The division may
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require homeowners’ associations to provide such information no
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more than once per year, except that the division may require
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homeowners’ associations to update the contact information in
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paragraph (a) within 30 days after any change. The division
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shall provide a homeowners’ association at least a 45-day notice
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of any requirement to provide any information after the
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homeowners’ association initially creates an online account. The
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information that the division may require from homeowners’
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associations is limited to:
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(a) Contact information for the association which includes:
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1. The name of the association.
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2. The physical address of the homeowners’ association
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property.
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3. The mailing address and county of the association.
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4. The e-mail address and telephone number for the
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association.
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5. The name and board title for each member of the
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association’s board.
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6. The name and contact information of the association’s
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community association manager or community association
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management firm, if applicable.
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7. The hyperlink or website address of the association’s
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website, if applicable.
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(b) The total number of buildings, and for each building in
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the association:
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1. The total number of stories, including both habitable
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and uninhabitable stories.
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2. The total number of parcels.
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3. The age of each building, based on the certificate of
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occupancy.
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4. Any construction commenced within the common elements
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during the most recent calendar year.
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(c) The association’s assessments, including:
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1. The amount of assessment or special assessment by parcel
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type, including reserves.
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2. The purpose of the assessment or special assessment.
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3. The name of the financial institution or institutions
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with which the association maintains accounts.
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Section 3. This act shall take effect July 1, 2026.