HB 381 Florida 2026 session
Office of Financial Regulation
Office of Financial Regulation; Requires loan originators, mortgage brokers, & mortgage lenders & money services businesses to develop, implement, & maintain comprehensive written information security programs for protection of information systems & nonpublic personal information & to establish written incident response plans; provides requirements for notices of security breaches; revises list of actions by money services businesses which constitute grounds for disciplinary actions & penalties; provides requirements for emergency orders that suspend money services business licenses; provides that debit card transaction shall be treated same as cash transactions & prohibits redemption through credit card transaction; requires financial institutions to take measures to protect & secure certain data that contain personal information; provides requirements for notices of security breaches to office, DLA, certain individuals, & certain credit reporting agencies; revises timeline for mailing of payment for salary & travel expenses of certain field staff; revises requirements for permission to organize credit unions; removes provisions that impose limitations on investments in real estate & equipment for credit unions; revises requirements & factors for approving applications for organizing banks & trust companies; revises requirements for directors of certain banks & trust companies.
Status
- Introduced
- Committee
- Floor vote
- Passed
- Enacted
In committee — last recorded action March 13, 2026
Died in Commerce Committee; Companion bill(s) passed, see CS/CS/CS/SB 1452 (Ch. 2026-174)
Recorded votes
Favorable (Information Technology Budget & Policy Subcommittee)
12 yes · 0 no · pass February 16, 2026
Favorable With Committee Substitute (Insurance & Banking Subcommittee)
16 yes · 0 no · pass January 21, 2026
Passage likelihood
34% Comparable to other bills at this stage
This is an estimate, not a guarantee. It is computed from the signals listed below and nothing else. It does not account for leadership priorities, floor scheduling, or negotiations that are not in the public record.
What the estimate is based on
- Historical base rate About 20% of introduced state bills are enacted.
- Current stage Referred to committee.
- Cosponsors 1 cosponsor.
State-level impact
State-level impact data is not available for this bill. The source text does not contain a per-state funding formula or scored breakdown, so no figures are shown.
Official actions
- Died in Commerce Committee; Companion bill(s) passed, see CS/CS/CS/SB 1452 (Ch. 2026-174)
- Now in Commerce Committee
- Reported out of Information Technology Budget & Policy Subcommittee
- Favorable by Information Technology Budget & Policy Subcommittee
- Added to Information Technology Budget & Policy Subcommittee agenda
- Now in Information Technology Budget & Policy Subcommittee
- Referred to Commerce Committee
- Referred to Information Technology Budget & Policy Subcommittee
- 1st Reading (Committee Substitute 1)
- CS Filed
- Laid on Table under Rule 7.18(a)
- Reported out of Insurance & Banking Subcommittee
- Favorable with CS by Insurance & Banking Subcommittee
- Added to Insurance & Banking Subcommittee agenda
- 1st Reading (Original Filed Version)
- Now in Insurance & Banking Subcommittee
- Referred to Commerce Committee
- Referred to Information Technology Budget & Policy Subcommittee
- Referred to Insurance & Banking Subcommittee
- Filed