SB 540 Florida 2026 session

Office of Financial Regulation

Office of Financial Regulation; Requiring the Department of Children and Families to cooperate with and seek cooperation from the Office of Financial Regulation concerning certain protective investigations of suspected financial exploitation of specified adults; requiring loan originators, mortgage brokers, and mortgage lenders to develop, implement, and maintain comprehensive written information security programs for the protection of information systems and nonpublic personal information; providing additional acts that constitute a ground for specified disciplinary actions against loan originators and mortgage brokers; authorizing the office to make investigations and examinations to aid the Department of Children and Families with certain protective investigations; requiring money services businesses to develop, implement, and maintain comprehensive written information security programs for the protection of information systems and nonpublic personal information, etc.

Status

  1. Introduced
  2. Committee
  3. Floor vote
  4. Passed
  5. Enacted

Passed one chamber — last recorded action March 13, 2026

Died in Messages; Companion bill(s) passed, see CS/CS/CS/SB 1452 (Ch. 2026-174)

Recorded votes

Third Reading

36 yes · 0 no · pass February 25, 2026

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Favorable with Committee Substitute

22 yes · 0 no · pass February 24, 2026

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Favorable with Committee Substitute

10 yes · 0 no · pass February 12, 2026

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Favorable with Committee Substitute

10 yes · 0 no · pass January 13, 2026

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Passage likelihood

95% Higher than most 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 Passed one chamber.
  • Cosponsors 3 cosponsors.

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

  1. Died in Messages; Companion bill(s) passed, see CS/CS/CS/SB 1452 (Ch. 2026-174)
  2. In Messages
  3. Immediately certified
  4. CS passed; YEAS 36 NAYS 0
  5. Read 3rd time
  6. Read 2nd time
  7. CS/CS/CS by Rules read 1st time
  8. Placed on Special Order Calendar, 02/25/26
  9. Placed on Calendar, on 2nd reading
  10. Pending reference review -under Rule 4.7(2) - (Committee Substitute)
  11. CS/CS/CS by- Rules; YEAS 22 NAYS 0
  12. On Committee agenda-- Rules, 02/24/26, 12:00 pm, 412 Knott Building
  13. CS/CS by Appropriations Committee on Agriculture, Environment, and General Government read 1st time
  14. Now in Rules
  15. Pending reference review under Rule 4.7(2) - (Committee Substitute)
  16. CS/CS by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 10 NAYS 0
  17. On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/12/26, 4:30 pm, 412 Knott Building
  18. CS by Banking and Insurance read 1st time
  19. Now in Appropriations Committee on Agriculture, Environment, and General Government
  20. Pending reference review under Rule 4.7(2) - (Committee Substitute)
  21. Introduced
  22. CS by Banking and Insurance; YEAS 10 NAYS 0
  23. On Committee agenda-- Banking and Insurance, 01/13/26, 4:00 pm, 412 Knott Building
  24. Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
  25. Filed
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