516.31 – Consumer Protection; Certain Negotiable Instruments Restricted; Assigns Subject to Defenses; Limitation on Deficiency Claims; Cross Collateral.
516.31 Consumer protection; certain negotiable instruments restricted; assigns subject to defenses; limitation on deficiency claims; cross collateral.— (1) SCOPE.—This section applies to every consumer finance loan or other contract authorized by this chapter in which any form of credit is extended to an individual to purchase or obtain goods or services for use primarily for personal, family, […]
516.035 – Rate of Interest Upon Default.
516.035 Rate of interest upon default.—In the event that any balance remains unpaid at the expiration of the scheduled maturity date of a loan, licensees may continue to charge interest on the unpaid balance at the rate provided for in s. 516.031(1) for a period not to exceed 12 months. Thereafter, the interest shall not exceed […]
516.32 – Consumer Credit Counseling.
516.32 Consumer credit counseling.—The office shall be responsible for promoting a consumer credit counseling service for the purpose of promoting and helping establish consumer credit counseling services for individuals in areas where a need has been established. The purposes of the consumer credit counseling service shall be to: (1) Assist and educate individual consumers as to money […]
516.05 – License.
516.05 License.— (1) Upon the filing of an application for a license and payment of all applicable fees, the office shall, unless the application is to renew or reactivate an existing license, make an investigation of the facts concerning the applicant’s background. If the office determines that a license should be granted, it shall issue the license […]
516.33 – Public Disclosures.
516.33 Public disclosures.—All findings of facts and orders filed with the commission or office shall be a public record. History.—s. 12, ch. 73-192; s. 2, ch. 81-318; ss. 16, 17, ch. 88-342; s. 4, ch. 91-429; s. 581, ch. 2003-261.
516.07 – Grounds for Denial of License or for Disciplinary Action.
516.07 Grounds for denial of license or for disciplinary action.— (1) The following acts are violations of this chapter and constitute grounds for denial of an application for a license to make consumer finance loans and grounds for any of the disciplinary actions specified in subsection (2): (a) A material misstatement of fact in an application for a […]
516.11 – Investigations and Complaints.
516.11 Investigations and complaints.— (1) The office shall, at intermittent periods, make such investigations and examinations of any licensee or other person as it deems necessary to determine compliance with this chapter. For such purposes, the office may examine the books, accounts, records, and other documents or matters of any licensee or other person and compel the […]
516.12 – Records to Be Kept by Licensee.
516.12 Records to be kept by licensee.— (1) The licensee shall keep and use in her or his business such books, accounts, and records in accordance with sound and accepted accounting practices to enable the office to determine whether such licensee is complying with the provisions of this chapter and with the rules lawfully made by the […]
516.15 – Duties of Licensee.
516.15 Duties of licensee.—Every licensee shall: (1) Deliver to the borrower at the time a loan is made a statement in the English language showing in clear and distinct terms the amount and date of the loan and the date of its maturity; the nature of the security, if any, for the loan; the name and address […]
515.29 – Residential Swimming Pool Barrier Requirements.
515.29 Residential swimming pool barrier requirements.— (1) A residential swimming pool barrier must have all of the following characteristics: (a) The barrier must be at least 4 feet high on the outside. (b) The barrier may not have any gaps, openings, indentations, protrusions, or structural components that could allow a young child to crawl under, squeeze through, or climb […]