# Florida SB 838: Electronic Payments of Retail Installment Contracts

Florida SB 838, Electronic Payments of Retail Installment Contracts, is a 2026 Senate bill sponsored by Clay Yarborough (Republican); status failed, last action 2026-03-13 (Died in Messages); PRIA reads it as touching household money (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/FL-SB838-2026
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Florida SB 838
- State: Florida
- Session: 2026
- Title: Electronic Payments of Retail Installment Contracts
- Status: failed
- Chamber: Senate
- Introduced: 2025-12-09
- Last action: 2026-03-13, Died in Messages
- Sponsor: Clay Yarborough (Republican)
- Cosponsors: 1
- Subjects: Appropriation, Commerce and Tourism, Banking and Insurance, Rules
- Touches household money: yes
- Roll calls: 4 (82 yes, 0 no in all)
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Clay Yarborough (Republican), Senate
- Cosponsor: Commerce and Tourism

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-02-19 | Senate | Senate Floor Vote | pass | 38 | 0 |   |
| 2026-02-17 | Senate | Rules Vote | pass | 24 | 0 |   |
| 2026-02-04 | Senate | Banking and Insurance Vote | pass | 10 | 0 |   |
| 2026-01-13 | Senate | Commerce and Tourism Vote | pass | 10 | 0 |   |

## Actions (22)

- 2026-03-13: Died in Messages (House)
- 2026-02-19: In Messages (House)
- 2026-02-19: Immediately certified -SJ 356 (Senate)
- 2026-02-19: CS passed as amended; YEAS 38 NAYS 0 -SJ 352 (Senate)
- 2026-02-19: Read 3rd time -SJ 352 (Senate)
- 2026-02-19: Amendment(s) adopted (794450) -SJ 352 (Senate)
- 2026-02-19: Read 2nd time -SJ 351 (Senate)
- 2026-02-18: Placed on Special Order Calendar, 02/19/26 (Senate)
- 2026-02-18: Placed on Calendar, on 2nd reading (Senate)
- 2026-02-17: Favorable by- Rules; YEAS 24 NAYS 0 (Senate)
- 2026-02-12: On Committee agenda-- Rules, 02/17/26, 12:00 pm, 412 Knott Building (Senate)
- 2026-02-04: Now in Rules (Senate)
- 2026-02-04: Favorable by Banking and Insurance; YEAS 10 NAYS 0 (Senate)
- 2026-01-30: On Committee agenda-- Banking and Insurance, 02/04/26, 10:30 am, 412 Knott Building (Senate)
- 2026-01-14: CS by Commerce and Tourism read 1st time (Senate)
- 2026-01-14: Now in Banking and Insurance (Senate)
- 2026-01-14: Pending reference review under Rule 4.7(2) - (Committee Substitute) (Senate)
- 2026-01-13: Introduced (Senate)
- 2026-01-13: CS by Commerce and Tourism; YEAS 10 NAYS 0 (Senate)
- 2026-01-08: On Committee agenda-- Commerce and Tourism, 01/13/26, 4:00 pm, 110 Senate Building (Senate)
- 2025-12-16: Referred to Commerce and Tourism; Banking and Insurance; Rules (Senate)
- 2025-12-09: Filed (Senate)

## Bill text

- e1, 2026-07-01: [HTML](https://www.flsenate.gov/Session/Bill/2026/838/BillText/e1/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/838/BillText/e1/PDF)
- c1, 2026-01-14: [HTML](https://www.flsenate.gov/Session/Bill/2026/838/BillText/c1/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/838/BillText/c1/PDF)
- Filed, 2025-12-09: [HTML](https://www.flsenate.gov/Session/Bill/2026/838/BillText/Filed/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/838/BillText/Filed/PDF)

## Related bills

- SB 688: Naturopathic Medicine (vetoed)
- HB 325: Education and Workforce Development for Inmates (vetoed)
- HB 145: Claims Against the Government (vetoed)
- SB 14: Relief of Jose Correa by Miami-Dade County (signed)
- HB 6507: Relief/L.E./Department of Children and Families (signed)
- HB 6515: Relief/Lourdes Latour and Edward Latour/Miami-Dade County (signed)

## Sources
- [e1 (HTML)](https://www.flsenate.gov/Session/Bill/2026/838/BillText/e1/HTML)
- [e1 (PDF)](https://www.flsenate.gov/Session/Bill/2026/838/BillText/e1/PDF)
- [c1 (HTML)](https://www.flsenate.gov/Session/Bill/2026/838/BillText/c1/HTML)
- [c1 (PDF)](https://www.flsenate.gov/Session/Bill/2026/838/BillText/c1/PDF)
- [Filed (HTML)](https://www.flsenate.gov/Session/Bill/2026/838/BillText/Filed/HTML)
- [Filed (PDF)](https://www.flsenate.gov/Session/Bill/2026/838/BillText/Filed/PDF)

## Related
- [SB 688: Naturopathic Medicine](https://policyrisk.com/state-bill/FL-SB688-2026)
- [HB 325: Education and Workforce Development for Inmates](https://policyrisk.com/state-bill/FL-HB325-2026)
- [HB 145: Claims Against the Government](https://policyrisk.com/state-bill/FL-HB145-2026)
- [SB 14: Relief of Jose Correa by Miami-Dade County](https://policyrisk.com/state-bill/FL-SB14-2026)
- [HB 6507: Relief/L.E./Department of Children and Families](https://policyrisk.com/state-bill/FL-HB6507-2026)
- [HB 6515: Relief/Lourdes Latour and Edward Latour/Miami-Dade County](https://policyrisk.com/state-bill/FL-HB6515-2026)
- [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-SB838-2026 (as of 2026-10-19).