The short answer

Florida requires commercial financing disclosures on transactions of $500,000 or less and separately runs one of the harshest telephone solicitation statutes in the country.

Checked 30 August 2026. This is a summary of what the rules are, not legal advice on what to do about them — and secondary sources disagree on several of these effective dates, usually because a statute’s own effective date and the date compliance is actually required are different. Confirm against the statute.

The disclosure requirement

Statute

Florida Commercial Financing Disclosure Law

In force

Signed June 2023, applying to transactions from 1 January 2024. Some summaries cite the statute’s own 2023 effective date instead.

Reaches

Transactions of $500,000 or less

Must contain

Total amount financed, disbursement amount, total repayment, total dollar cost, payment amounts and frequency, and prepayment terms.

Annualised rate

Built around total dollar cost rather than an annualised rate. Not an APR regime in the California or New York sense.

Calling into Florida

The Florida Telephone Solicitation Act is the sharp edge. It covers automated marketing calls and texts to Florida numbers, defines the triggering equipment more broadly than the post-Duguid federal TCPA does, and carries statutory damages of $500 to $1,500 per violation with a private right of action. A business-to-business exemption exists but the definition of telemarketing is wide enough that relying on it without advice is a bet rather than a position.

What changes for a broker

• The FTSA is the reason to care about how your dialler is configured before you care about how your disclosure is worded. Statutory damages per violation on a list of a thousand numbers is not a rounding error.
• The broad equipment definition means tooling that is safely outside the federal TCPA can still be inside the FTSA.
• If you buy leads, the consent record for a Florida number is the document that matters. Ask for the form as the merchant saw it, the timestamp, the IP and the URL — not an assurance.
• Filtering a lead feed by state is a legitimate risk control here, and a vendor who cannot do it is telling you something about how the feed is built.

What Florida files look like

Extraordinary small-business density and very high formation rates. Restaurants, hospitality, home services and construction dominate; marine and powersports are a genuine Florida-specific niche, and seasonality runs the opposite way to most of the country with the strongest months falling in winter.

Questions