# Florida HB 515: Uniform Commercial Code Florida HB 515, Uniform Commercial Code, is a 2025 House bill sponsored by Richard Gentry (Republican); status signed, last action 2025-05-23 (Chapter No. 2025-92); PRIA reads it as touching household money (as of 2026-10-19). - Canonical: https://policyrisk.com/state-bill/FL-HB515-2025 - As of: 2026-10-19 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Florida HB 515 - State: Florida - Session: 2025 - Title: Uniform Commercial Code - Status: signed - Chamber: House - Introduced: 2025-02-10 - Last action: 2025-05-23, Chapter No. 2025-92 - Sponsor: Richard Gentry (Republican) - Cosponsors: 2 - Subjects: Appropriation, Civil Justice & Claims Subcommittee, Commerce Committee, Judiciary Committee, House Calendar, Rules - Touches household money: yes - Roll calls: 2 (153 yes, 0 no in all) - Economic provisions PRIA read: 17 ## Summary No summary available. ## Bill overview: provisions PRIA read - Consumer protections for seized goods: benefit, medium. When a lender sells consumer goods after default, you can request an explanation of any surplus or debt still owed. The lender generally has 14 days to respond when that deadline applies, or may waive a consumer obligor’s deficiency within 14 days. You can waive certain rights only in an agreement… - Buyers get clearer digital asset rules: benefit, low. The law explains who controls certain digital records and when a buyer is protected from another person’s property claim. A qualifying buyer must pay value, act in good faith, and have no notice of the claim; filing a financing statement alone does not count as notice. The law defines related digit… - Debtors can reclaim digital control: benefit, low. After receiving a debtor’s signed demand, a secured party must transfer control of specified electronic collateral within 10 days. This duty covers authoritative electronic copies of chattel paper, electronic documents of title, electronic money, and certain digital records. It does not cover a rec… - More flexible letters of credit: benefit, low. Letters of credit and related actions can use any form that is a signed record. The parties can choose which law governs certain liabilities, even when the chosen place is not connected to the transaction. For certain legal issues involving letters of credit between branches, each branch counts as… - Businesses can agree to cure first: mixed, low. In a non-consumer transaction, a debtor and secured party can sign an agreement requiring notice and a chance to fix a violation before a legal case begins. This process does not apply to consumer transactions. - Clearer notices for collateral sales: mixed, low. For non-consumer collateral sales, secured parties use a notice form that explains whether the sale is public or private and how to request an accounting. A lienholder must send a signed demand before proceeds are fully distributed to qualify for its share. A secured party proposing to keep collate… - Clearer rules for mixed deals: mixed, low. When a deal combines goods with services or other property, the law says which goods-sale rules apply based on which part predominates. For a deal combining leased goods with services or other property, the same kind of test applies to lease rules, with special rules for some finance leases. Certai… - Debtors get loan records; lenders claim proceeds: mixed, low. A secured party must send a release within 10 days after a debtor’s signed demand when the account debtor received the specified assignment notice. Secured parties generally have 14 days to respond to signed requests for account details or collateral lists; extra responses may be charged, subject t… - Earlier UCC deals remain protected: mixed, low. Valid transactions made before July 1, 2025, and the rights and duties tied to them generally remain valid. Certain earlier steps can also continue to perfect security interests during the transition. But an attached interest becomes unperfected on the July 1, 2026, adjustment date unless it meets… - Existing deals get transition protection: mixed, low. Beginning July 1, 2025, the updated rules apply to covered deals and property interests, including some that began earlier. Certain existing perfected interests stay perfected under the new rules; others keep that status only until the earlier of their prior-law end date or July 1, 2026. Some previ… - New rules for digital collateral: mixed, low. The law sets which jurisdiction’s rules govern security interests in digital records and chattel paper. Secured parties can perfect certain interests by controlling electronic copies, but must meet the required control or possession steps. The debtor’s location governs some filing and automatic-per… - New rules for electronic checks: mixed, low. A qualifying payment instrument can name the law or forum for disputes and remain negotiable. With the payee’s agreement, a check can be issued using an image and related information that a bank can use to collect it. Destroying a check during the described image-based process does not, by itself,… - New rules for electronic records and contracts: mixed, low. Electronic symbols, sounds, or processes can sign covered records when the signer intends to approve them. The law also explains when electronic documents are delivered, who counts as their holder, and when a notice counts as sent. Courts assess whether a contract term was clear enough to notice ba… - New rules for goods sales contracts: mixed, low. A goods sale of $500 or more generally needs a signed record to be enforced, and a merchant has 10 days to object to a confirming record. A final written sales agreement cannot be contradicted by earlier or same-time spoken terms, though certain business practices and consistent added terms can hel… - New rules for transferred payment debts: mixed, low. A notice of transfer must identify the account and new controller and provide a reasonable way to pay. A debtor can ask for proof and may pay the former controller if proof does not arrive in time. Debtors can reject demands for split payments or multiple payment methods. Some usual assignment and… - New safeguards for bank payment orders: mixed, low. Senders can give payment orders orally or in a record. Banks and customers can agree on security checks, but a bank must act in good faith and follow the agreed rules to bind a customer. Rejection and cancellation notices can be oral or recorded, with security checks applying to cancellations. Extr… - New ways to secure digital assets: mixed, low. The law lets lenders use control, as well as filing where allowed, to protect interests in certain digital assets. For electronic money, control is the required method; tangible money must be possessed. The law also sets rules for which state’s law governs certain accounts, securities, and digital… ## Sponsors and cosponsors - Sponsor: Richard Gentry (Republican), House - Cosponsor: Civil Justice & Claims Subcommittee - Cosponsor: Judiciary Committee ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-23 | Senate | Senate Floor Vote | pass | 38 | 0 | | | 2025-04-16 | House | House Floor Vote | pass | 115 | 0 | | ## Actions (50) - 2025-05-23: Chapter No. 2025-92 - 2025-05-23: Approved by Governor - 2025-05-21: Signed by Officers and presented to Governor - 2025-04-23: Ordered enrolled (House) - 2025-04-23: In Messages (House) - 2025-04-23: In Messages (House) - 2025-04-23: CS passed; YEAS 38 NAYS 0 -SJ 495 (Senate) - 2025-04-23: Read 3rd time -SJ 495 (Senate) - 2025-04-23: Read 2nd time -SJ 494 (Senate) - 2025-04-23: Substituted for CS/CS/SB 1666 -SJ 495 (Senate) - 2025-04-23: Placed on Calendar, on 2nd reading (Senate) - 2025-04-23: Withdrawn from Rules -SJ 494 (Senate) - 2025-04-22: Received (Senate) - 2025-04-16: Referred to Rules (Senate) - 2025-04-16: In Messages (Senate) - 2025-04-16: CS passed as amended; YEAS 115, NAYS 0 (House) - 2025-04-16: Read 3rd time (House) - 2025-04-16: Added to Third Reading Calendar (House) - 2025-04-16: Placed on 3rd reading (House) - 2025-04-16: Amendment 653171 adopted (House) - 2025-04-16: Amendment 338069 adopted (House) - 2025-04-16: Read 2nd time (House) - 2025-04-10: Bill added to Special Order Calendar (4/16/2025) (House) - 2025-04-03: Added to Second Reading Calendar (House) - 2025-04-03: 1st Reading (Committee Substitute 2) (House) - 2025-04-03: Bill referred to House Calendar (House) - 2025-04-02: CS Filed (House) - 2025-04-02: Laid on Table under Rule 7.18(a) (House) - 2025-04-02: Reported out of Judiciary Committee (House) - 2025-04-02: Favorable with CS by Judiciary Committee (House) - 2025-03-31: Added to Judiciary Committee agenda (House) - 2025-03-25: Now in Judiciary Committee (House) - 2025-03-25: Reported out of Commerce Committee (House) - 2025-03-24: Favorable by Commerce Committee (House) - 2025-03-20: Added to Commerce Committee agenda (House) - 2025-03-14: 1st Reading (Committee Substitute 1) (House) - 2025-03-14: Now in Commerce Committee (House) - 2025-03-14: Referred to Judiciary Committee (House) - 2025-03-14: Referred to Commerce Committee (House) - 2025-03-13: CS Filed (House) - 2025-03-13: Laid on Table under Rule 7.18(a) (House) - 2025-03-13: Reported out of Civil Justice & Claims Subcommittee (House) - 2025-03-13: Favorable with CS by Civil Justice & Claims Subcommittee (House) - 2025-03-11: Added to Civil Justice & Claims Subcommittee agenda (House) - 2025-03-04: 1st Reading (Original Filed Version) (House) - 2025-02-19: Now in Civil Justice & Claims Subcommittee (House) - 2025-02-19: Referred to Judiciary Committee (House) - 2025-02-19: Referred to Commerce Committee (House) - 2025-02-19: Referred to Civil Justice & Claims Subcommittee (House) - 2025-02-10: Filed (House) ## Bill text - er, 2025-07-01: [PDF](https://www.flsenate.gov/Session/Bill/2025/515/BillText/er/PDF) - e1, 2025-04-16: [PDF](https://www.flsenate.gov/Session/Bill/2025/515/BillText/e1/PDF) - c2, 2025-04-02: [PDF](https://www.flsenate.gov/Session/Bill/2025/515/BillText/c2/PDF) - c1, 2025-03-13: [PDF](https://www.flsenate.gov/Session/Bill/2025/515/BillText/c1/PDF) - Filed, 2025-02-10: [PDF](https://www.flsenate.gov/Session/Bill/2025/515/BillText/Filed/PDF) ## Related bills - HB 1427: Nursing Education Programs (vetoed) - HB 1095: Criminal Offender Substance Abuse Program (vetoed) - HB 6017: Recovery of Damages for Medical Negligence Resulting in Death (vetoed) - HB 1445: Public Officers and Employees (vetoed) - HB 11: Municipal Water and Sewer Utility Rates (vetoed) - HB 5015: State Group Insurance (vetoed) ## Sources - [er (PDF)](https://www.flsenate.gov/Session/Bill/2025/515/BillText/er/PDF) - [e1 (PDF)](https://www.flsenate.gov/Session/Bill/2025/515/BillText/e1/PDF) - [c2 (PDF)](https://www.flsenate.gov/Session/Bill/2025/515/BillText/c2/PDF) - [c1 (PDF)](https://www.flsenate.gov/Session/Bill/2025/515/BillText/c1/PDF) - [Filed (PDF)](https://www.flsenate.gov/Session/Bill/2025/515/BillText/Filed/PDF) ## Related - [HB 1427: Nursing Education Programs](https://policyrisk.com/state-bill/FL-HB1427-2025) - [HB 1095: Criminal Offender Substance Abuse Program](https://policyrisk.com/state-bill/FL-HB1095-2025) - [HB 6017: Recovery of Damages for Medical Negligence Resulting in Death](https://policyrisk.com/state-bill/FL-HB6017-2025) - [HB 1445: Public Officers and Employees](https://policyrisk.com/state-bill/FL-HB1445-2025) - [HB 11: Municipal Water and Sewer Utility Rates](https://policyrisk.com/state-bill/FL-HB11-2025) - [HB 5015: State Group Insurance](https://policyrisk.com/state-bill/FL-HB5015-2025) - [Florida bills](https://policyrisk.com/states/florida/bills) - [Florida state hub](https://policyrisk.com/states/florida) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/FL-HB515-2025 (as of 2026-10-19).