H 1355

F   L      O   R     I   D   A   H   O   U   S   E      O   F      R   E   P    R   E   S   E   N   T   A   T    I   V   E   S
    HB 1355  2026
1A bill to be entitled
2An act relating to rent reporting to credit reporting
3agencies; creating s. 83.684, F.S.; defining the terms
4"credit reporting agency" and "rent reporting
5service"; authorizing a landlord to report a tenant's
6rent payment history to credit reporting agencies
7under certain circumstances; requiring a tenant to
8provide written consent to participate in rent
9reporting; providing requirements for such consent
10form; authorizing a tenant to opt out of rent
11reporting at any time without penalty; providing
12notice requirements; authorizing a landlord to charge
13a specified fee for providing rent reporting services;
14prohibiting a landlord from taking certain actions;
15authorizing a landlord to stop reporting a tenant's
16rental payments under certain circumstances;
17prohibiting a tenant from participating in rent
18reporting for a specified amount of time under certain
19circumstances; prohibiting a landlord from taking
20retaliatory actions if a tenant refuses, declines, or
21opts out of rent reporting; providing applicability;
22providing an effective date.
23
24Be It Enacted by the Legislature of the State of Florida:
25
                                                  Page 1 of 4
 CODING: Words stricken are deletions; words underlined are additions.
                                                                                                         hb1355-00
F   L   O   R     I   D   A   H   O   U   S   E      O   F      R   E   P    R   E   S   E   N   T   A   T    I   V   E   S
 HB 1355  2026
26Section 1.       Section 83.684, Florida Statutes, is created to
27    read:
2883.684      Rent reporting.—
29(1)     As used in this section, the term:
30(a)     "Credit reporting agency" means an agency that, for
31    monetary fees, dues, or on a cooperative nonprofit basis,
32    regularly engages in whole or in part in the practice of
33    assembling or evaluating consumer credit information or other
34    information on consumers for the purpose of furnishing consumer
35    reports to third parties, and that uses any means or facility of
36    interstate commerce for the purpose of preparing or furnishing
37    consumer reports. The term includes agencies such as Equifax,
38    Experian, and TransUnion.
39(b)     "Rent reporting service" means a third-party service
40    that collects, verifies, and reports rent payment information to
41    a credit reporting agency.
42(2)     A landlord may report a tenant's rent payment history
43    to one or more credit reporting agencies. Rent reporting must be
44    conducted through a rent reporting service or the landlord may
45    report directly to one or more credit reporting agencies if the
46    landlord complies with all applicable state and federal
47    regulations.
48(3)(a)      A landlord must obtain written consent to report
49    rent payments from a tenant when a rental agreement is executed
50    or renewed.
                                               Page 2 of 4
     CODING: Words stricken are deletions; words underlined are additions.
                                                                                                      hb1355-00
F   L   O   R     I   D   A   H   O   U   S   E      O   F      R   E   P    R   E   S   E   N   T   A   T    I   V   E   S
 HB 1355  2026
51(b)      The written consent must clearly outline the potential
52    benefits and risks associated with rent reporting, including the
53    possibility of negative reporting if rent payments are not made
54    on time.
55(c)      A tenant must be informed that his or her consent for
56    rent reporting is voluntary and that the tenant may opt out of
57    rent reporting at any time without penalty by mailing or
58    delivering to the landlord a true copy of a written notice to
59    opt out.
60(d)      A landlord must, in accordance with s. 83.56(4),
61    provide a tenant with at least 30 days' written notice if the
62    landlord decides to start or stop reporting rent payments.
63(4)(a)      If a landlord elects to engage in rent reporting,
64    the landlord may require the tenant to pay to the landlord a fee
65    for such service. The fee may not exceed the lesser of the
66    actual cost to the landlord to provide rent reporting services
67    or $10 per month. If the landlord does not incur actual expenses
68    relating to rent reporting, the landlord may not charge the
69    tenant a fee under this subsection.
70(b)      A landlord may not do any of the following:
711.      Report the payment or nonpayment of the fee to a credit
72    reporting agency.
732.      Terminate a tenant's rental agreement because the
74    tenant did not pay the fee.
753.      Deduct the amount of the fee from the tenant's deposit
                                               Page 3 of 4
     CODING: Words stricken are deletions; words underlined are additions.
                                                                                                      hb1355-00
F   L    O   R     I   D   A   H   O   U   S   E      O   F      R   E   P    R   E   S   E   N   T   A   T    I   V   E   S
  HB 1355  2026
76     money or rent.
77(c)      If the fee is unpaid for 30 days or more, the landlord
78     may stop reporting the tenant's rental payments to the credit
79     reporting agency or rent reporting service.
80(5)      If a tenant opts out of rent reporting or the tenant
81     fails to pay a fee for rent reporting services under subsection
82     (4), the tenant may not elect to again participate in rent
83     reporting for at least 6 months after the date on which the
84     landlord received the written request to opt out or the date on
85     which the fee under subsection (4) first becomses due.
86(6)      A landlord may not terminate a tenant's rental
87     agreement, increase a tenant's rent, or engage in any other form
88     of retaliation solely because a tenant refuses, declines, or
89     opts out of participating in rent reporting.
90(7)      This section does not apply to a landlord of a
91     residential building that contains 15 or fewer dwelling units
92     unless both of the following apply:
93(a)      The landlord owns more than one residential building,
94     regardless of the number of dwelling units in each building.
95(b)      The landlord is:
961.      A real estate investment trust;
972.      A corporation; or
983.      A limited liability company in which at least one
99     member is a corporation.
100Section 2.       This act shall take effect July 1, 2026.
                                                Page 4 of 4
      CODING: Words stricken are deletions; words underlined are additions.
                                                                                                       hb1355-00