Consumer credit law reference
Florida Credit Dispute Laws
Florida requires all credit-services organizations to register with FDACS, prohibits advance fees, and gives consumers a 5-day contract cancellation right.
Primary state statute
Florida Credit Service Organizations Act
Fla. Stat. § 817.7001 et seq.
Regulator: Florida Department of Agriculture and Consumer Services
What Florida adds on top of the federal FCRA
- •Mandatory FDACS registration
- •$10,000 surety bond
- •No advance fees
- •5-day cancellation right
- •Private right of action + FDUTPA damages
Dispute inaccurate items on your Florida credit report
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Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Florida.