Florida House revises consumer debt collection practices with new bill

On March 7, 2025, the Florida House of Representatives introduced House Bill 147, aimed at revising regulations surrounding consumer debt collection practices. The bill seeks to amend Section 559.72 of the Florida Statutes, which outlines prohibited practices for individuals attempting to collect consumer debts.

The primary purpose of House Bill 147 is to enhance consumer protections by clarifying and expanding the list of prohibited actions that debt collectors may engage in. Key provisions include a ban on simulating law enforcement authority, using or threatening violence, and misleading debtors regarding their rights. The bill also incorporates technical changes to ensure consistency across related statutes, reinforcing enforcement actions against out-of-state debt collectors and addressing consumer complaints.

Debate surrounding the bill has highlighted concerns from both consumer advocacy groups and industry representatives. Proponents argue that the bill strengthens protections for vulnerable consumers who may be subjected to aggressive and deceptive collection tactics. Critics, however, express concerns that overly stringent regulations could hinder legitimate debt collection efforts and impact the financial recovery of businesses.

The implications of House Bill 147 are significant, as it addresses ongoing issues related to consumer debt collection practices that have drawn scrutiny in recent years. Experts suggest that the bill could lead to a decrease in abusive practices, potentially fostering a more equitable environment for consumers. However, they also caution that the balance between consumer protection and the operational needs of debt collectors must be carefully managed to avoid unintended consequences.

As the legislative process unfolds, stakeholders will be closely monitoring amendments and discussions surrounding House Bill 147. The bill's progression will likely influence future consumer protection policies in Florida, shaping the landscape of debt collection practices in the state.