HB 147 Florida House · 2025 Regular Session

Prohibited Practices in Consumer Debt Collection

HB 147 addresses prohibited practices in consumer debt collection. The bill focuses on clarifying the applicability of certain actions that are not allowed when collecting debts from consumers. This legislation directly affects individuals who owe consumer debts and the entities responsible for collecting those debts.

Bill status in committee 3 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Apr 2025

House Passage

Apr 2025

Senate Passage

Governor

Introduced Jan 14, 2025 Last action Apr 29, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

H 147 c1 → H 147 c2 · 3 edits

MINOR

The bill was amended to add a 'Whereas' clause explaining that the Legislature intends to clarify prohibited debt collection practices regarding email communication, noting that existing laws were written before email was commonly used. The amendment also corrects a grammatical error in the statute by changing 'a no person may not shall' to 'In collecting consumer debts, a no person may not shall' and updates the bill title to reflect it is a committee substitute version.

Scope change

The bill's substantive scope regarding prohibited practices remains unchanged; the amendment adds explanatory context about email communications and corrects a grammatical error in the statute text.

DEFINITION

Added a 'Whereas' clause acknowledging that s. 559.72(17) was adopted before email communication became common and clarifying that email is excluded from prohibited contact between 9:00 p.m. and 8:00 a.m. because it is less invasive than telephone calls.

TECHNICAL

Corrected a grammatical error in the statute by removing the redundant phrase 'a no person may not shall' and replacing it with 'In collecting consumer debts, a no person may not shall'.

Changed the bill title from 'CS/HB 147' to 'CS/CS/HB 147' to indicate this is a committee substitute version.

Floor votes · House Apr 15, 2025

How they voted

24–0

Passed · 2 other

Total votes 26

Apr 15, 2025

D Democratic8

8 Yea

100% Yea

R Republican18

16 Yea 2

88% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Apr 18, 2025

Committee

Bill referred to House Calendar

lower

Apr 16, 2025

Lower · Passed

Reported out of Commerce Committee

lower

Apr 15, 2025

House · Passed

House Vote: pass (24-0-2)

house

Apr 15, 2025

Lower · Passed

Favorable with CS by Commerce Committee

lower

Apr 11, 2025

Lower · Passed

Added to Commerce Committee agenda

lower

Mar 20, 2025

Lower · Passed

Now in Commerce Committee

lower

Mar 20, 2025

Lower · Passed

Reported out of Civil Justice & Claims Subcommittee

lower

Mar 20, 2025

Lower · Passed

Favorable by Civil Justice & Claims Subcommittee

lower

Mar 18, 2025

Lower · Passed

Added to Civil Justice & Claims Subcommittee agenda

lower

Mar 10, 2025

Lower · Passed

Now in Civil Justice & Claims Subcommittee

lower

Mar 10, 2025

Committee

Referred to Commerce Committee

lower

Mar 10, 2025

Committee

Referred to Civil Justice & Claims Subcommittee

lower

Mar 7, 2025

Lower · Passed

Reported out of Insurance & Banking Subcommittee

lower

Mar 5, 2025

Lower · Passed

Favorable with CS by Insurance & Banking Subcommittee

lower

Mar 3, 2025

Lower · Passed

PCS added to Insurance & Banking Subcommittee agenda

lower

Jan 22, 2025

Lower · Passed

Now in Insurance & Banking Subcommittee

lower

Jan 22, 2025

Committee

Referred to Commerce Committee

lower

Jan 22, 2025

Committee

Referred to Civil Justice & Claims Subcommittee

lower

Jan 22, 2025

Committee

Referred to Insurance & Banking Subcommittee

lower

1 primary · 1 co-sponsor